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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 18, 2013. The grantors are TRAVIS J
<br /> KEENE and JESSICA KEENE, HUSBAND AND WIFE, whose address is 4307 MICHIGAN AVE,
<br /> GRAND ISLAND, Nebraska 68803-1015 ("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"). TRAVIS J KEENE and JESSICA KEENE owe Lender the
<br /> principal sum of Twenty Thousand One Hundred Twenty-nine and 00/100 Dollars (U.S. $20,129.00), 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 periodic payments ("Periodic Payments"), with the full debt, if not
<br /> paid earlier, due on October 22, 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: 4307 MICHIGAN AVE,GRAND ISLAND,Nebraska 68803-1015
<br /> Legal Description: LOT NINE (9), BLOCK ONE (1), JACK VOSS SECOND SUBDIVISION, 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 /> 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 /> ©2004-2012 Compliance Systems,Inc CECA-0E3F-20111.2 10 600
<br /> Consumer Real Estate-Security Instrument DL2036 Page 1 of 5 www.compliancesystems com
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