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<br />THIS INSTRLTMENT PREPARED BY:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust Street
<br />GRAND ISLAND, NE 68801
<br />NMLS COMPANY IDENTIFIER: 446443
<br />AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of
<br />Gramd Island
<br />221 South Locust Street
<br />GRAND ISLAND, NE 68801
<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
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<br />THIS DEED OF TRUST ("Security Instrument") is made on October 26, 2012. The grantors are MARK A
<br />GARTNER and LORI E GARTNER, HUSBAND AND WIF'E, whose address is 210 W 13TH ST, Wood
<br />Itiver, Nebraska 68883-9148 ("Bonower"). Bonower is not necessarily the same as the Person or Persons who
<br />sign the Note. The obligations of Borrowers who did not sign the Note are explained further in the section titled
<br />Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend
<br />R Baack, Attorney whose address is P.O. Bog 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary
<br />is Home Federal Savings & Loan Association of Grand Island, which is organized a.nd existing under the laws
<br />of the United States of America and whose address is 221 South Locnst Street, Grand Island, Nebraska 68801
<br />("Lender"). MARK A GARTNER and LORI E GARTNER owe Lender the principal sum of Two Thousand
<br />Five Hundred Ninety-three and 50/100 Dollars (U.S. $2,593.50), which is evidenced by the note, consumer loan
<br />agreement, or similaz writing dated the same date as this Security Instrument (the "Note"), which provides for
<br />periodic payments ("Periodic Payments"), with the full debt, if not paid eazlier, due on May 3, 2014. This Security
<br />Instrument secures to Lender. (a) the repayment of the debt evidenced by the Note, with interest, and all renewals,
<br />extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced to protect the
<br />security of this Security Instrument under the provisions of the section tifled Protection of Lender's Rights in the
<br />Property; and (c) the performance of Bonower's covenants and agreements under this Security Instrument and the
<br />Note. For this purpose, Bonower, in consideration of the debt and the trust herein created, irrevocably grants and
<br />conveys to Trustee, in trust, with power of sa1e, the following described property located in the COUNTY of
<br />HALL, State of Nebraska:
<br />Address: 210 R' 13TH ST, Wood River, Nebraska 68883-9148
<br />Legal Description: LOT FOUR (4), EXCEPT THE NORTHERLY NINETY EIGHT (N98) FEET
<br />THEREOF IN BLOCK FIVE (S7, IN DODD AND MARSHALL'S ADDTTION TO THE VII.,LAGE
<br />OF WOOD RIVER, HALL COUNTY, NEBRASKA
<br />TOGETHER WITfI all the improvements now or hereafter erected on the property, and all easements,
<br />appurtenances, and fixtures now or hereafter a part of the properiy. All replacements and additions shall also be
<br />covered by this Security Instrument. All of the foregoing is refened to in this Security Instrument as the
<br />"Property."
<br />BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
<br />grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.
<br />Borrower wa.rrants and will defend generally the title to the Property against a11 claims and demands, subject to
<br />any encumbrances of record.
<br />Secured Indebtedness. The debt evidenced by' the Note and which is secured by this Security Instrument is
<br />subject to the provisions of 12 CFR 226.32. Boaower acl�owledges that Borrower has received the disclosures
<br />prescribed by 12 CFR 226.32 at least three business days prior to the execution of the Note and this Security
<br />Instrument, or as otherwise required by 12 CFR 226.31. Borrower and Lender further acknowledge and agree that
<br />this Security Instrument will secure additional debt subject to 12 CFR 22632 only if Lender satisfies the necessary
<br />requirements imposed on such debt imposed by 12 CFR 226.32 and Applicable Law.
<br />Bonower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Bonower shall promptly pay when due the
<br />principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the
<br />Note.
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<br />� 2004-201 I Compliance Systems, Ina 9BAD-04AE - 2011I,2.0.485
<br />Comumer Real Estete - Security Iffihvment DL2036 Page 1 of 6 W'R'a'•�P��Yg��•�m
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