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<br />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 />(Space Above This Line For Recording Data)
<br />NMLS COMPANY IDENTIFIER: 446443
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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 July 16, 2013. The grantors are KIRK D
<br />YOACHIM and WANDA FAY YOACHIM, formerly known as WANDA FAY REHER, HUSBAND AND
<br />WIFE, whose address is 202 N 2ND ST, Doniphan, Nebraska 68832 -0246 ( "Borrower "). Borrower is not
<br />necessarily the same as the Person or Persons who sign the Note. The obligations of Borrowers who did not sign
<br />the Note are explained further in the section titled Successors and Assigns Bound; Joint and Several Liability;
<br />Accommodation Signers. The trustee is Arend R. Baack, Attorney whose address is P.O. Box 790, Grand
<br />Island, Nebraska 68802 ( "Trustee "). The beneficiary is Home Federal Savings & Loan Association of Grand
<br />Island, which is organized and existing under the laws of the United States of America and whose address is 221
<br />South Locust Street, Grand Island, Nebraska 68801 ( "Lender "). KIRK D YOACHIM and WANDA FAY
<br />YOACHIM owe Lender the principal sum of Forty -three Thousand Two Hundred Fourteen and 00 /100
<br />Dollars (U.S. $43,214.00), which is evidenced by the note, consumer loan agreement, or similar writing dated the
<br />same date as this Security Instrument (the "Note "), which provides for periodic payments ( "Periodic Payments "),
<br />with the full debt, if not paid earlier, due on July 15, 2018. This Security Instrument secures to Lender: (a) the
<br />repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the
<br />Note; (b) the payment of all other sums, with interest, advanced to protect the security of this Security Instrument
<br />under the provisions of the section titled Protection of Lender's Rights in the Property; and (c) the performance
<br />of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower,
<br />in consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with
<br />power of sale, the folio's%ing described property located in the COUNTY of HALL, State of Nebraska:
<br />Address: 202 N 2ND ST, Doniphan, Nebraska 68832 -0246
<br />Legal Description: LOT EIGHT (8), BLOCK EIGHT (8), ORIGINAL TOWN OF DONIPHAN,
<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 />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:
<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 />® 2004 -2012 Compliance Systems, Inc. CECA -A21A - 2011L2.10.600
<br />Consumer Real Estate - Security Instrument DL2036 Page 1 of 6
<br />www.compliancesystems.com
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