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m ■ m"' o OcD m n � 73 w -I N m � � p �O OD w o ■ Di m pm W cDn c, p D m p W 2m O z N rri mnp > rccoo Nc ■ w0 (f) K ca z O THIS INSTRUMENT PREPARED BY: AFTER RECORDING RETURN TO: Home Federal Savings& Loan Association of Home Federal Savings& Loan Association of Grand Island Grand Island 221 South Locust Street 221 South Locust Street GRAND ISLAND, NE 68801 GRAND ISLAND, NE 68801 (Space Above This Line For Recording Data) NMLS COMPANY IDENTIFIER: 446443 DEED OF TRUST THIS DEED OF TRUST ("Security Instrument") is made on November 26, 2013. The grantor is DOUGLAS P FENSTER, A SINGLE PERSON, whose address is 1418 W 5TH ST, GRAND ISLAND, Nebraska 68801- 4422 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the Note. The obligations of Borrowers who did not sign the Note are explained further in the section titled Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend R. Baack, Attorney whose address is P.O. Box 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan Association of Grand Island, which is organized and existing under the laws of the United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801 ("Lender"). DOUGLAS P FENSTER owes Lender the principal sum of Eleven Thousand Six Hundred Nine and 00/100 Dollars (U.S. $11,609.00), which is evidenced by the note, consumer loan agreement, or similar writing dated the same date as this Security Instrument (the "Note"), which provides for periodic payments ("Periodic Payments"),with the full debt,if not paid earlier, due on September 10,2017. This Security Instrument secures to Lender: (a)the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b)the payment of all other sums, with interest, advanced to protect the security of this Security Instrument under the provisions of the section titled Protection of Lender's Rights in the Property; and (c)the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower, in consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust,with power of sale,the following described property located in the COUNTY of HALL, State of Nebraska: Address: 1418 W 5TH ST, GRAND ISLAND,Nebraska 68801-4422 Legal Description: LOT SEVEN (7), BLOCK THREE (3), BONNIE BRAE ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. Borrower and Lender covenant and agree as follows: Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note.