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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 /> N M LS COMPANY IDENTIFIER: 446443
<br /> DEED OF TRUST
<br /> THIS DEED OF TRUST ("Security Instrument") is made on December 20, 2013. The grantors are DALE G
<br /> CLARK and JOAN J CLARK, HUSBAND AND WIFE, whose address is 3931 DOVER CT, GRAND
<br /> ISLAND,Nebraska 68803-6008("Borrower'). Borrower is not necessarily the same as the Person or Persons who
<br /> sign the Note. The obligations of Borrowers who did not sign the Note are explained further in the section titled
<br /> Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend
<br /> R. Baack,Attorney whose address is P.O. Box 790, Grand Island,Nebraska 68802("Trustee"). The beneficiary
<br /> is Home Federal Savings& Loan Association of Grand Island, which is organized and
<br /> organized existing under the laws
<br /> of the United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801
<br /> ("Lender"). DALE G CLARK and JOAN J CLARK owe Lender the principal sum of One Hundred Forty-
<br /> six
<br /> Thousand One Hundred Nineteen and 00/100 Dollars (U.S. S146,119.00),
<br /> �, which is evidenced by the note,
<br /> consumer loan agreement, or similar writing dated the same date as this Security Instrument (the "Note"), which
<br /> provides for periodic payments ("Periodic Payments"),
<br /> y ( with the full debt, if not paid earlier, due on December
<br /> 25, 2014. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with
<br /> interest, and all renewals, extensions and modifications of the Note; (b) the y
<br /> ( � payment of all other sums, with
<br /> interest, advanced to protect the security of this Security Instrument under the provisions of the section titled
<br /> Protection of Lender's Rights in the Property;and(c)the performance of Borrower's covenants and agreements
<br /> under this Security Instrument and the Note. For this purpose, Borrower, in consideration g
<br /> p � � anon of the debt and the trust
<br /> herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described
<br /> property located in the COUNTY of HALL, State of Nebraska: g
<br /> Address:3931 DOVER CT, GRAND ISLAND,Nebraska 68803-6008
<br /> Legal Description: LOT FOUR (4), KENTISH HILLS SUBDIVISION IN THE CITY OF GRAND
<br /> 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 Property g
<br /> g y p rty and that the Pro e 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 Securit y 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 time 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 /> 0 2004-2012 Compliance Systems,Inc.CECA-174A-2011L2.10.600
<br /> Consumer Real Estate-Security Instrument DL203G Page 1 of G www.compliancesystems.con,
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