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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 /> THIS DEED OF TRUST ("Security Instrument") is made on August 20, 2014. The grantors are STEPHEN A
<br /> REES and ROMA J REES, HUSBAND AND WIFE, whose address is 3061 ROSELAWN DR, GRAND
<br /> ISLAND,Nebraska 68801-8772("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�90, Grand Island,Nebraska 68802("Trustee").The beneficiary
<br /> is Home Federal Savings& Loan Association of Grand Island,which is organized and 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"). STEPHEN A REES and ROMA J REES owe Lender the principal sum of Nine Thousand Fifty-
<br /> eight and 00/100 Dollars (U.S. $9,058.00), which is evidenced by the note, consumer loan agreement, or similar
<br /> writing dated the same date as this Security Instrument (the "Note"), which provides for periodic payments
<br /> ("Periodic Payments"), with the full debt, if not paid earlier, due on August 20, 2019. This Security Instrument
<br /> secures to Lender: (a)the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions
<br /> and modifications of the Note; (b)the payment of all other sums,with interest, advanced to protect the security of
<br /> this Security Instrument under the provisions of the section titled Protection of Lender's Rights in the Property;
<br /> and(c)the performance of Borrower's covenants and agreements under this Security Instrument and the Note.For
<br /> this 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:3061 ROSELAWN DR,GRAND ISLAND,Nebraska 68801-8772
<br /> Legal Description: LOT SIX(6),MEADOW LANE SUBDIVISION,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 Properiy and that the Properiy 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; 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 /> App�iicable Law. As used in this Security Instrument, the term "Applicable Law" shall mean all controlling
<br /> applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have
<br /> the effect of law)as well as all applicable final,non-appealable judicial opinions.
<br /> Application of Payments. Unless Applicable Law provides otherwise, all payments received by Lender shall be
<br /> applied: first, to any prepayment charges due under the Note; second, to interest due; third, to principal due; and
<br /> last,to any late charges due under the Note.
<br /> �2004-2013 Compliance Systems,Inc.9F96-0440-2013L2.0.721
<br /> Consumer Real Estate-Security Instrument DL2036 Page 1 of 5 www.compliancesystems.com
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