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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 Ahoy 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 25, 2013. The grantors are MARK R
<br /> CHRISTENSON, whose address is 5322 S 162ND ST, Omaha, Nebraska 68135 , and DEBRA J
<br /> CHRISTENSON, HUSBAND AND WIFE, whose address is 5322 S 162ND ST, Omaha, Nebraska 68127
<br /> ("Borrower").Borrower is not necessarily the same as the Person or Persons who sign the Note.The obligations of
<br /> Borrowers who did not sign the Note are explained further in the section titled Successors and Assigns Bound;
<br /> Joint and Several Liability;Accommodation Signers.The trustee is Arend R.Baack,Attorney whose address
<br /> is P.O. Box 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings &
<br /> Loan Association of Grand Island, which is organized and existing under the laws of the United States of
<br /> America and whose address is 221 South Locust Street,Grand Island,Nebraska 68801 ("Lender").MARK R
<br /> CHRISTENSON owes Lender the principal sum of Forty-nine Thousand Seven Hundred Twenty-five and
<br /> 00/100 Dollars(U.S. $49,725.00),which is evidenced by the note,consumer loan agreement,or similar writing
<br /> dated the same date as this Security Instrument (the "Note"), which provides for Single payments ("Periodic
<br /> Payments"),with the full debt,if not paid earlier,due on January 23,2014. This Security Instrument secures to
<br /> Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and
<br /> modifications of the Note;(b)the payment of all other sums,with interest,advanced to protect the security of this
<br /> Security Instrument under the provisions of the section titled Protection of Lender's Rights in the Property;and
<br /> (c)the performance of Borrower's covenants and agreements under this Security Instrument and the Note.For this
<br /> purpose, Borrower, in consideration of the debt and the trust herein created, irrevocably grants and conveys to
<br /> Trustee,in trust,with power of sale,the following described property located in the COUNTY of HALL,State of
<br /> Nebraska:
<br /> Address:#3 KUESTER LAKE,GRAND ISLAND,Nebraska 68801
<br /> Legal Description:see Exhibit"A"
<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 /> 0 2004-2012 Compliance Systems,lac CECA-5845-2011L2 10 600
<br /> Consumer Real Estate-Secunty Instrument DL2036 Pane I of 5 www compliancesystems corn
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