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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 November 19, 2013. The grantors are LARRY J
<br /> DESAIRE, TRUSTEE OF THE LARRY J. AND BETTY A. DESAIRE REVOCABLE LIVING TRUST
<br /> DATED FEBRUARY 21, 2012, and BETTY A DESAIRE, TRUSTEE OF THE LARRY J. AND BETTY
<br /> A. DESAIRE REVOCABLE LIVING TRUST DATED FEBRUARY 21, 2012, whose address is 411
<br /> ROSEWOOD CIR, GRAND ISLAND, Nebraska 68803-3928 ("Borrower"). Borrower is not necessarily the
<br /> same as the Person or Persons who sign the Note. The obligations of Borrowers who did not sign the Note are
<br /> explained further in the section titled Successors and Assigns Bound; Joint and Several Liability;
<br /> Accommodation Signers. The trustee is Arend R. Baack, Attorney whose address is P.O. Box 790, Grand
<br /> Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan Association of Grand
<br /> Island, which is organized and existing under the laws of the United States of America and whose address is 221
<br /> South Locust Street, Grand Island, Nebraska 68801 ("Lender"). LARRY J DESAIRE and BETTY A
<br /> DESAIRE owe Lender the principal sum of Two Hundred Three Thousand One Hundred Nineteen and
<br /> 00/100 Dollars (U.S. $203,119.00), 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 periodic payments ("Periodic
<br /> Payments"), with the full debt, if not paid earlier, due on November 19,2014. 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: 411 ROSEWOOD CIR, GRAND ISLAND,Nebraska 68803-3928
<br /> Legal Description: UNIT FOUR (4), OF WESTWOOD PARK I CONDOMINIUMS, A
<br /> CONDOMINIUM ACCORDING TO THE DECLARATION AND BY-LAWS RECORDED
<br /> FEBRUARY 24, 2004 AS INSTRUMENT #2004-01622, RECORDS OF HALL COUNTY,
<br /> NEBRASKA, MORE COMMONLY KNOWN AS 411 ROSEWOOD CIRCLE, GRAND ISLAND,
<br /> 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 /> CO 2004-2012 Compliance Systems,Inc CECA-D220-2011L2 10.600
<br /> Consumer Real Estate-Security Instrument DL2036 Page I of 6 www compliancesystems.con,
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