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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 /> LOAN ORIGINATOR NAME: Chris Kaskie
<br /> NMLS COMPANY IDENTIFIER: 446443
<br /> NMLS ORIGINATOR IDENTIFIER: 494668
<br /> DEED OF TRUST
<br /> (PREAUTHORIZED (OPEN END) CREDIT - FUTURE ADVANCES ARE SECURED
<br /> SY THIS DEED OF TRUST)
<br /> THIS DEED OF TRUST ("Security Instrument") is made on February 20, 2014. The grantor is MICHELLE L
<br /> CARTER, A SINGLE PERSON, whose address is 1612 S ARTHUR ST, GRAND ISLAND, Nebraska
<br /> 68803-6317 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the Home
<br /> Equity Line of Credit Agreement, dated February 20, 2014 (°Contract"). The obligations of Borrowers who
<br /> did not sign the Contract are explained further in the section titled Successors and Assigns Bound; Joint and
<br /> Several Liability; Accommodation Signers. The trustee is Arend R. Baack, Attorney whose address is P.O.
<br /> Sox 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan
<br /> Association of Grand Island,which is organized and existing under the laws of the United States of America and
<br /> whose address is 221 South Locust Street, Grand Island, Nebraska 68801 ("Lender"). MICHELLE L
<br /> CARTER has entered into a Contract with Lender as of February 20, 2014, under the terms of which Borrower
<br /> may, from time to time, obtain advances not to exceed, at any time, a "xrMAXIMUM PRINCIPAL AMOU1vT
<br /> (EXCLUDING PROTECTIVE ADVANCES)"** of Seven Thousand and 00/100 Dollars (U.S. $7,000.00)
<br /> ("Credit Limit"). Any party interested in the details related to Lender's continuing obligation to make advances to
<br /> Borrower is advised to consult directly with Lender. If not paid earlier,the sums owing under Borrower's Contract
<br /> with Lender will be due on March 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 foliowing described property located in the COUNTY of HALL, State of
<br /> Nebraska:
<br /> Address: 1612 S ARTHUR ST,GRAND ISLAND,Nebraska 68803-6317
<br /> Legal Description: LOT SEVENTEEN (17), BLOCK ONE (1), IN BEL AIR ADDITION TO THE
<br /> CITY OF GRAND 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 Properiy is unencmnbered, 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 /> �2004-20I3 Compliance Systems,Inc.SE63-DA8F-2013L2.O.E 1 J 12
<br /> Consumer Real Estate-Security Instrument DL20;G Page I of 5 www,compliaocesystems.com
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