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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 />® 2004 -2012 Compliance Systems, Inc. EECO -8265 - 2011L2.6.544
<br />Consumer Real Estate - Security Instrument DL2036
<br />(Space Above This Line For Recording Data)
<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 4, 2013. The grantors are CARLOS G
<br />GUERRERO and DIANA J GUERRERO, also known as DIANA JOYCE GUERRERO, and f/k/a DIANA
<br />JOYCE CASAREZ, HUSBAND AND WIFE, whose address is 1024 N ELM ST, GRAND ISLAND,
<br />Nebraska 68801 - 4060 ( "Borrower "). Borrower is not necessarily the same as the Person or Persons who sign the
<br />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. Box 790, Grand Island, Nebraska 68802 ( "Trustee "). The beneficiary
<br />is Home Federal Savings & Loan Association of Grand Island, which is organized and existing under the laws
<br />of the United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801
<br />( "Lender "). CARLOS G GUERRERO and DIANA J GUERRERO owe Lender the principal sum of Twelve
<br />Thousand Seven Hundred Three and 50 /100 Dollars (U.S. $12,703.50), which is evidenced by the note,
<br />consumer loan agreement, or similar writing dated the same date as this Security Instrument (the "Note "), which
<br />provides for monthly payments ( "Periodic Payments "), with the full debt, if not paid earlier, due on April 22, 2018.
<br />This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and
<br />all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced
<br />to 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: 1024 N ELM ST, GRAND ISLAND, Nebraska 68801 -4060
<br />Legal Description: THE NORTHERLY SIXTY -SIX (66) FEET OF LOT ONE (1), IN FRACTIONAL
<br />BLOCK TWENTY -TWO (22), RUSSEL WHEELER'S ADDITION TO THE CITY OF GRAND
<br />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 />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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