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THIS INSTRUMENT 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 />C 2004 -2012 Compliance Systems, Inc. EECO -2067 - 2011 L2.6.544
<br />Consumer Real Estate - Security Instrument DL2036
<br />(Space Above This Line For Recording Data)
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<br />AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust Street
<br />GRAND ISLAND, NE 68801
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ( "Security Instrument ") is made on December 7, 2012. The grantor is PAUL T
<br />BRIGGS, A SINGLE PERSON, whose address is 908 S LOCUST ST, GRAND ISLAND, Nebraska 68801
<br />( "Borrower "). Borrower is not necessarily the same as the Person or Persons who sign the Note. The obligations of
<br />Borrowers who did not sign the Note are explained further in the section titled Successors and Assigns Bound;
<br />Joint and Several Liability; Accommodation Signers. The trustee is Arend R. Baack, Attorney whose address
<br />is P.O. Box 790, Grand Island, Nebraska 68802 ( "Trustee "). The beneficiary is Home Federal Savings &
<br />Loan Association of Grand Island, which is organized and existing under the laws of the United States of
<br />America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801 ( "Lender "). PAUL T
<br />BRIGGS owes Lender the principal sum of Thirty -seven Thousand Eighty -six and 00 /100 Dollars (U.S.
<br />$37,086.00), which is evidenced by the note, consumer loan agreement, or similar writing dated the same date as
<br />this Security Instrument (the "Note "), which provides for periodic payments ( "Periodic Payments "), with the full
<br />debt, if not paid earlier, due on June 28, 2018. This Security Instrument secures to Lender: (a) the repayment of
<br />the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the
<br />payment of all other sums, with interest, advanced to protect the security of this Security Instrument under the
<br />provisions of the section titled Protection of Lender's Rights in the Property; and (c) the performance of
<br />Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower, in
<br />consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with
<br />power of sale, the following described property located in the COUNTY of HALL, State of Nebraska:
<br />Address: 908 S LOCUST ST, GRAND ISLAND, Nebraska 68801
<br />Legal Description: LOTS ONE (1) AND TWO (2), BLOCK TWO (2), FIRST ARTISTIC HOMES
<br />ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA, EXCEPTING A
<br />CERTAIN TRACT DEEDED TO THE CITY OF GRAND ISLAND, NEBRASKA AS SHOWN IN
<br />THE QUITCLAIM DEED RECORDED IN BOOK 61, PAGE 488; EXCEPTING A CERTAIN
<br />TRACT DEEDED TO THE CITY OF GRAND ISLAND, NEBRASKA AS SHOWN IN WARRANTY
<br />DEED RECORDED IN BOOK 164, PAGE 667; EXCEPTING A CERTAIN TRACT DEEDED TO
<br />THE CITY OF GRAND ISLAND, NEBRASKA, AS SHOWN IN WARRANTY DEED RECORDED
<br />IN BOOK 165, PAGE 149,
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
<br />appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be
<br />covered by this Security Instrument. All of the foregoing is referred 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 warrants and will defend generally the title to the Property against all 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. Borrower acknowledges 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 226.32 only if Lender satisfies the necessary
<br />requirements imposed on such debt imposed by 12 CFR 226.32 and Applicable Law.
<br />Borrower and Lender covenant and agree as follows:
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