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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 October 2, 2013. The grantors are MICHAEL T
<br /> MUIRHEAD and SUNNI D MUIRHEAD, HUSBAND AND WIFE, whose address is 2440 LAMAR AVE,
<br /> GRAND ISLAND, Nebraska 68803-6231 ("Borrower"). 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"). MICHAEL T MUIRHEAD and SUNNI D MUIRHEAD owe
<br /> Lender the principal sum of Twenty-two Thousand One Hundred Five and 00/100 Dollars (U.S. $22,105.00),
<br /> which is evidenced by the note, consumer loan agreement, or similar writing dated the same date as this Security
<br /> Instrument (the "Note"), which provides for periodic payments ("Periodic Payments"), with the full debt, if not
<br /> paid earlier, due on October 20, 2018. This Security Instrument secures to Lender: (a)the repayment of the debt
<br /> evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b)the payment
<br /> of all other sums,with interest, advanced to protect the security of this Security Instrument under the provisions of
<br /> the section titled Protection of Lender's Rights in the Property; and (c) the performance of Borrower's
<br /> covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower, in
<br /> consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with
<br /> power of sale,the following described property located in the COUNTY of HALL, State of Nebraska:
<br /> Address: 2440 LAMAR AVE,GRAND ISLAND,Nebraska 68803-6231
<br /> Legal Description: THE WEST THREE FIFTH (W 3/5) OF LOT TWELVE (12) AND THE EAST
<br /> ONE HALF(E 1/2) OF LOT ELEVEN (11),ALL IN BLOCK ONE(1),IN BEL AIR ADDITION TO
<br /> 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 /> 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.
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<br /> Consumer Real Estate-Security Instrument DL2036 Page 1 of 6 newsy compliancesystems com
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