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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 /> DEED OF TRUST
<br /> THIS DEED OF TRUST ("Security Instrument") is made on October 16, 2013. The grantors are JUSTIN T
<br /> KLUSKA, a single person, and KIMBERLY L PADILLA, a single person, whose address is 822 E
<br /> OKLAHOMA AVE, GRAND ISLAND,Nebraska 68801 ("Borrower"). Borrower is not necessarily the same as
<br /> the Person or Persons who sign the Note. The obligations of Borrowers who did not sign the Note are explained
<br /> further in the section titled Successors and Assigns Bound; Joint and Several Liability; Accommodation
<br /> Signers. The trustee is Arend R. Baack, Attorney whose address is P.O. Box 790, Grand Island, Nebraska
<br /> 68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan Association of Grand Island, which is
<br /> organized and existing under the laws of the United States of America and whose address is 221 South Locust
<br /> Street, Grand Island, Nebraska 68801 ("Lender"). JUSTIN T KLUSKA and KIMBERLY L PADILLA owe
<br /> Lender the principal sum of Sixteen Thousand Six Hundred Ten and 94/100 Dollars (U.S. $16,610.94), which
<br /> 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 monthly payments ("Periodic Payments"), with the full debt, if not
<br /> paid earlier, due on November 5,2020. 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: 822 E OKLAHOMA AVE,GRAND ISLAND,Nebraska 68801
<br /> Legal Description: LOT ELEVEN (11) BLOCK TWO (2) IN PLEASANT VIEW ADDITION IN
<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.
<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-ICES-2011L2.10.600
<br /> Consumer Real Estate-Security Instrument DT 2030 Page 1 of 5 www compliancesystems.corn
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