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
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<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 April 3, 2013. The grantors are CHERYL L
<br />KOSMICKI, whose address is 4223 MANCHESTER RD, GRAND ISLAND, Nebraska 68803 -2214 , and
<br />RANDALL P KOSMICKI, WIFE AND HUSBAND, whose address is 4223 MANCHESTER RD, GRAND
<br />ISLAND, Nebraska 68803 -2214 ( "Borrower "). Borrower 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
<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 "). CHERYL L KOSMICKI owes Lender the principal sum of
<br />Twenty Thousand Forty and 00 /100 Dollars (U.S. $20,040.00), which is evidenced by the note, consumer loan
<br />agreement, or similar 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 earlier, due on April 6, 2018. This
<br />Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all
<br />renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced to
<br />protect the security of this Security Instrument under the provisions of the section titled Protection of Lender's
<br />Rights in the Property; and (c) the performance of Borrower's covenants and agreements under this Security
<br />Instrument and the Note. For this purpose, Borrower, in consideration of the debt and the trust herein created,
<br />irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in
<br />the COUNTY of HALL, State of Nebraska:
<br />Address: 4223 MANCHESTER RD, GRAND ISLAND, Nebraska 68803 -2214
<br />Legal Description: LOT SEVENTY THREE (73), LE HEIGHTS FOURTH SUBDIVISION, IN THE
<br />CITY OF GRAND ISLAND, 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 final, non - appealable judicial opinions.
<br />Application of Payments. Unless Applicable Law provides otherwise, all payments received by Lender shall be
<br />applied: first, to any prepayment charges due under the Note; second, to interest due; third, to principal due; and
<br />last, to any late charges due under the Note.
<br />® 2004 -2012 Compliance Systems, Inc. EECO -I C5A - 201 I L2.6.544
<br />Consumer Real Estate - Security Instrument DL2036 Page 1 of 5 www.compliancesystems.com
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