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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 September 19, 2013. The grantors are CRAIG R
<br /> VINCENT, TRUSTEE OF THE CRAIG R. VINCENT LIVING REVOCABLE TRUST DATED MAY 4,
<br /> 2009, and DENISE M VINCENT, TRUSTEE OF THE DENISE M. VINCENT LIVING REVOCABLE
<br /> TRUST DATED MAY 4, 2009, whose address is 136 PONDEROSA DR, GRAND ISLAND, Nebraska
<br /> 68803-9646 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the Note. The
<br /> obligations of Borrowers who did not sign the Note are explained further in the section titled Successors and
<br /> Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend R. Baack,
<br /> Attorney whose address is P.O. Box 790, Grand Island,Nebraska 68802 ("Trustee"). The beneficiary is Home
<br /> Federal Savings & Loan Association of Grand Island, which is organized and existing under the laws of the
<br /> United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801
<br /> ("Lender"). CRAIG R VINCENT and DENISE M VINCENT owe Lender the principal sum of Eleven
<br /> Thousand One Hundred Five and 00/100 Dollars (U.S. $11,105.00), which is evidenced by the note, consumer
<br /> loan 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 September 25,2016. 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: 136 PONDEROSA DR,GRAND ISLAND,Nebraska 68803-9646
<br /> Legal Description: LOT FOUR (4), BLOCK ONE (1), ON PONDEROSA LAKE ESTATES THIRD
<br /> SUBDIVISION, IN THE 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 /> ©2004-2012 Compliance Systems,Inc CECA-2B45-201 1 L2.10 600
<br /> Consumer Real Estate-Security Instrument DL2036 Page 1 of 5 www.compliancesystems cons
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