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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 Recordin�Data)
<br /> LOAN ORIGINATOR NAME: Chris Kaskie
<br /> NMLS COMPANY IDENTIFIER: 446443
<br /> NMLS ORIGINATOR 1DENTIFIER: 494668
<br /> DEED OF TRUST
<br /> (PREAUTHORIZED (OPEN END) CREDIT - FUTURE ADVANCES ARE SECURED
<br /> BY THIS DEED OF TRUST)
<br /> TH[S DEED OF TRUST ("Security Instrument") is made on April 4, 2014. The grantors are TERRY J ENCK
<br /> and JANET K ENCK, HUSBAND AND WIFE,whose address is 2021 N HOWARD AVE,GRAND ISLAND,
<br /> Nebraska 68803-1948 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who si�n the
<br /> Home Equity Line of Credit Agreement, dated April 4, 2014 ("Contract"). The obligations of Borrowers who
<br /> did not si�n 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 Is(and, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan
<br /> Association of Grand Island, which is or�anized 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"). TERRY J ENCK and
<br /> JANET K ENCK have entered into a Contract with Lender as of April 4, 2014, under the terms of which
<br /> Borrower may, from time to time, obtain advances not to exceed, at any time, a ***MAXIMUM PRINCIPAL
<br /> AMOUNT (EXCLUDING PROTECTIVE ADVANCES)x*x of Sixty Thousand and 00/100 Dollars (U.S.
<br /> $60,000.00) ("Credit Limit"). Any party interested in the details related to Lender's continuing obligation to mal<e
<br /> advances to Borrower is advised to consult directly with Lender. If not paid eariier, the sums owin� under
<br /> Borrower's Contract with Lender will be due on April I5, 2019. This Security Instrument secures to Lender: (a)
<br /> the repayment of the debt under the Contract, with interest, including future advances, and all renewals, extensions
<br /> and modifications of the Contract;(b)the payment of all other sums,with interest,advanced to protect the security
<br /> of this Security Instrument under the provisions of the section titled Protection of Lender's Rights in the
<br /> Pro�erty; and(c)the performance of Borrower's covenants and agreements under this Security Instrument and the
<br /> Contract. For this purpose, Borrower, in consideration of the debt and the trust herein created, irrevocably grants
<br /> and conveys to Trustee, in trust, with power of sale,the following described property located in the COUNTY of
<br /> HALL, State of Nebraska:
<br /> Address: 2021 N HOWARD AVE, GRAND ISLAND,Nebraska 68803-1948
<br /> Legal Description: LOTS SIX (6) AND EIGHT (8), BLOCK SEVENTEEN (17), UNIVERSITY
<br /> PLACE,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 IawfWly seised of the estate hereby conveyed and has the ri;ht 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 /> �O 2004-2013 Compliance Systems,Inc.3EB3-F434-2013L2.O.El.712
<br /> Consumer Real Estate-Security Instrument Dl,?036 � Page I of 5 www.compliancesystems.com
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