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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 />(Space Above This Line For Recording Data)
<br />W
<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 21, 2012. The grantors are JAMES W
<br />CYBORON and SANDRA L CYBORON, HUSBAND AND WIFE, whose address is 2303 N ENGLEMAN
<br />RD, GRAND ISLAND, Nebraska 68803 - 1432 ( "Borrower "). Borrower is not necessarily the same as the Person
<br />or Persons who sign the Note. The obligations of Borrowers who did not sign the Note are explained further in the
<br />section titled Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The
<br />trustee is Arend R. Baack, Attorney whose address is P.O. Box 790, Grand Island, Nebraska 68802
<br />( "Trustee "). The beneficiary is Home Federal Savings & Loan Association of Grand Island, which is organized
<br />and existing under the laws of the United States of America and whose address is 221 South Locust Street,
<br />Grand Island, Nebraska 68801 ( "Lender "). JAMES W CYBORON and SANDRA L CYBORON owe Lender
<br />the principal sum of Ten Thousand Eighty -four and 50/100 Dollars (U.S. $10,084.50), which is evidenced by
<br />the note, consumer loan agreement, or similar writing dated the same date as this Security Instrument (the "Note "),
<br />which provides for periodic payments ( "Periodic Payments "), with the full debt, if not paid earlier, due on
<br />December 22, 2017. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the
<br />Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums,
<br />with interest, advanced to protect the security of this Security Instrument under the provisions of the section titled
<br />Protection of Lender's Rights in the Property; and (c) the performance of Borrower's covenants and agreements
<br />under this Security Instrument and the Note. For this purpose, Borrower, in consideration of the debt and the trust
<br />herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described
<br />property located in the COUNTY of HALL, State of Nebraska:
<br />Address: 2303 N ENGLEMAN RD, GRAND ISLAND, Nebraska 68803 -1432
<br />Legal Description: LOT THREE (3), IN BLOCK ONE (1), IN LE HEIGHTS SUBDIVISION, IN
<br />THE NORTHWEST QUARTER OF THE NORTHEAST QUARTER (NW1 /4NE1 /4) OF SECTION
<br />ELEVEN (11), TOWNSHIP ELEVEN (11) NORTH, RANGE TEN (10) WEST OF THE 6TH P.M.,
<br />HALL COUNTY, NEBRASKA.
<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 />Borrower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Borrower 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.
<br />Applicable Law. As used in this Security Instrument, the term "Applicable Law" shall mean all controlling
<br />applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have
<br />the effect of law) as well as all applicable fmal, non - appealable judicial opinions.
<br />® 2004-2012 Compliance Systems, Inc. EECO -562B - 2011L2.6.544
<br />Consumer Real Estate - Security Instrument DL2036 Page 1 of 5 www.compliancesystems.com
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