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<br /> THIS INSTRUMENT PREPARED BY: AFTER RECORDING RETURN TO:
<br /> Home Federal Savings&Loan Association of Home Federal Savings&Loan Association of
<br /> Grand Island Grand Island
<br /> 221 South Locust Street 221 South Locust Street
<br /> GRAND ISLAND,NE 68801 GRAND ISLAND,NE 68801
<br /> (Space Above This Line For Recording Data)
<br /> NMLS COMPANY IDENTIFIER:446443
<br /> DEED OF TRUST
<br /> THIS DEED OF TRUST ("Security Instrument") is made on August 16, 2013. The grantors are JACK J
<br /> PETSKA and VALORIE S BENDIXEN,HUSBAND AND WIFE,whose address is 1309 N SHERIDAN PL,
<br /> GRAND ISLAND,Nebraska 68803-2523 ("BoiTower").Borrower is not necessarily the same as the Person or
<br /> 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").JACK J PETSKA and VALORIE S BENDIXEN owe Lender the
<br /> principal sum of Fifty-five Thousand Six Hundred Forty-five and 38/100 Dollars(U.S.$55,645.38),which is
<br /> evidenced by the note,consumer loan agreement,or similar writing dated the same date as this Security Instrument
<br /> (the"Note"),which provides for monthly payments("Periodic Payments"),with the full debt,if not paid earlier,
<br /> due on August 16,2017.This Security Instrument secures to Lender:(a)the repayment of the debt evidenced by
<br /> the Note,with interest, and all renewals,extensions and modifications of the Note;(b)the payment of all other
<br /> sums,with interest,advanced to protect the security of this Security Instrument under the provisions of the section
<br /> titled Protection of Lender's Rights in the Property; and (c)the performance of Borrower's covenants and
<br /> agreements under this Security Instrument and the Note.For this purpose,Borrower,in consideration of the debt
<br /> and the trust herein created,irrevocably grants and conveys to Trustee,in trust,with power of sale,the following
<br /> described property located in the COUNTY of H ALL,State of Nebraska:
<br /> Address:1309 N SHERIDAN PL,GRAND ISLAND,Nebraska 68803-2523
<br /> Legal Description: LOT SEVENTEEN (17),IMPERIAL VILLAGE THIRD 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 /> 02004-2012 Compliance Srstcros,Inc CECA-2419-2011L2 10 000
<br /> Consumer Real Estate-Security Instrument DL2036 Page I of 5 rvlvw__ompliancesysrenu com
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