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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 /> (PREAUTHORIZED (OPEN END) CREDIT - FUTURE ADVANCES ARE SECURED
<br /> BY THIS DEED OF TRUST)
<br /> THIS DEED OF TRUST ("Security Instrument") is made on December 23, 2013. The grantor is BEVERLY J
<br /> CHAMBERS, A SINGLE PERSON, whose address is 1025 SHERIDAN AVE, GRAND ISLAND, Nebraska
<br /> 68803 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the Home Equity
<br /> Line of Credit Agreement, dated December 23, 2013 ("Contract"). The obligations of Borrowers who did not
<br /> sign the Contract are explained further in the section titled Successors and Assigns Bound; Joint and Several
<br /> Liability; Accommodation Signers. The trustee is Arend R. Baack,Attorney whose address is P.O. Box 790,
<br /> Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan Association of
<br /> Grand Island,which is organized and existing under the laws of the United States of America and whose address
<br /> is 221 South Locust Street,Grand Island,Nebraska 68801 ("Lender"). BEVERLY J CHAMBERS has entered
<br /> into a Contract with Lender as of December 23,2013, under the terms of which Borrower may, from time to time,
<br /> obtain advances not to exceed, at any time, a ***MAXIMUM PRINCIPAL AMOUNT (EXCLUDING
<br /> PROTECTIVE ADVANCES)*** of Twenty Thousand and 00/100 Dollars (U.S. $20,000.00) ("Credit
<br /> Limit"). Any party interested in the details related to Lender's continuing obligation to make advances to Borrower
<br /> is advised to consult directly with Lender. If not paid earlier, the sums owing under Borrower's Contract with
<br /> Lender will be due on January 15, 2019. This Security Instrument secures to Lender: (a) the repayment of the
<br /> debt under the Contract,with interest, including future advances,and all renewals, extensions and modifications of
<br /> the Contract; (b) the payment of all other sums, with interest, advanced to protect the security of this Security
<br /> Instrument under the provisions of the section titled Protection of Lender's Rights in the Property; and (c) the
<br /> performance of Borrower's covenants and agreements under this Security Instrument and the Contract. 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: 1025 SHERIDAN AVE, GRAND ISLAND,Nebraska 68803
<br /> Legal Description: THE SOUTHERLY THIRTEEN AND FOUR TENTHS FEET (s13.4') OF LOT
<br /> NINE (9) AND THE NORTHERLY FIFTY-TWO AND EIGHT TENTHS FEET (N 52.8') OF LOT
<br /> TEN (10), IN BLOCK ELEVEN (11), IN WEST PARK ADDITION TO 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 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; Other Charges. Borrower shall promptly pay when due the principal of and
<br /> interest on the debt owed under the Contract and late charges or any other fees and charges due under the Contract.
<br /> ©2004-2012 Compliance Systems,Inc.CECA-3 tEE-201 I L2 10 600
<br /> Consumer Real Estate-Security Instrument DL2036 Page 1 of 5 www.compliancesystems.com
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