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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 /> (PRE-AUTHORIZED (OPEN END) CREDIT - FUTURE ADVANCES ARE SECURED
<br /> BY THIS DEED OF TRUST)
<br /> THIS DEED OF TRUST ("Security Instrument") is made on September 5, 2013. The grantors are TROY A
<br /> DENOYER and CARMIN M DENOYER, husband and wife, whose address is 615 LINDEN AVE,
<br /> GRAND ISLAND,Nebraska 68801 ("Borrower"). Borrower is not necessarily the same as the Person or Persons
<br /> who sign the Home Equity Line of Credit Agreement,dated September 5,2013 ("Contract"). The obligations
<br /> of Borrowers who did not sign the Contract are explained further in the section titled Successors and Assigns
<br /> Bound;Joint and Several Liability;Accommodation Signers.The trustee is Arend R.Baack,Attorney whose
<br /> address is P.O. Box 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal
<br /> Savings & Loan Association of Grand Island, which is organized and existing under the laws of the United
<br /> States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801 ("Lender").
<br /> TROY A DENOYER and CARMIN M DENOYER have entered into a Contract with Lender as of
<br /> September 5,2013,under the terms of which Borrower may, from time to time, obtain advances not to exceed, at
<br /> any time, a ***MAXIMUM PRINCIPAL AMOUNT (EXCLUDING PROTECTIVE ADVANCES)*** of
<br /> Fifteen Thousand and 00/100 Dollars (U.S. $15,000.00) ("Credit Limit"). Any party interested in the details
<br /> related to Lender's continuing obligation to make advances to Borrower is advised to consult directly with Lender.
<br /> If not paid earlier, the sums owing under Borrower's Contract with Lender will be due on September 15, 2018.
<br /> This Security Instrument secures to Lender: (a) the repayment of the debt under the Contract, with interest,
<br /> including future advances, and all renewals, extensions and modifications of the Contract; (b) the payment of all
<br /> other sums, with interest, advanced to protect the security of this Security Instrument under the provisions of the
<br /> section titled Protection of Lender's Rights in the Property; and (c) the performance of Borrower's covenants
<br /> and agreements under this Security Instrument and the Contract. For this purpose, Borrower, in consideration of
<br /> the debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the
<br /> following described property located in the COUNTY of HALL, State of Nebraska:
<br /> Address: 615 LINDEN AVE,GRAND ISLAND,Nebraska 68801
<br /> Legal Description: LOT THIRTEEN (13), WASHINGTON TOWNSHIP, EAGLE SUBDIVISION,
<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; Other Charges.Borrower shall promptly pay when due the principal of and
<br /> interest on the debt owed under the Contract and late charges or any other fees and charges due under the Contract.
<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 /> 2004-2012 Compliance Systems,Inc.CECA-F831-2011L2.10.600
<br /> Consumer Real Estate-Security Instrument DL2036 Page 1 of 5 www.compliancesystems.com
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