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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 COMPANY NAME: Home Federal Savings&Loan Association of Grand Island
<br /> NMLS COMPANY IDENTIFIER: 446443
<br /> LOAN ORIGINATOR NAME: Chris Kaskie
<br /> NMLS ORIGINATOR IDENTIFIER: 494668
<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 April 2, 2015. The grantors are CHERYL L
<br /> KOSMICHI, whose address is 4223 MANCHESTER RD, GRAND ISLAND, Nebraska 68803-2214 , and
<br /> RANDALL P KOSMICKI, WIFE AND HUSBAND, whose address is 4223 MANCHESTER RD, GRAND
<br /> ISLAND,Nebraska 68803-2214("Borrower").Borrower is not necessarily the same as the Person or Persons who
<br /> sign the Home Equity Line of Credit Agreement, dated April 2, 2015 ("Contract"). The obligations of
<br /> Borrowers who did not sign the Contract are explained further in the section titled Successors and Assigns
<br /> Bound;Joint and Several Liability; Accommodation Signers. The trustee is Arend R.Baack,Attorney whose
<br /> address is P.O. Box 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal
<br /> Savings & Loan Association of Grand Island, which is organized and existing under the laws of the United
<br /> States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801 ("Lender").
<br /> CHERYL L KOSMICKI has entered into a Contract with Lender as of Apri12,2015, 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)*** of Eighteen Thousand Five Hundred and
<br /> 00/100 Dollars (U.S. $18,500.00) ("Credit Limit"). Any party interested in the details related to Lender's
<br /> continuin;obligation to make advances to Borrower is advised to consult directly with Lender. If not paid earlier,
<br /> the sums owing under Borrower's Contract with Lender will be due on April 15, 2020. This Security Instrument
<br /> secures to Lender: (a) the repayment of the debt under the Contract, with interest, including future advances, and
<br /> all renewals, extensions and modifications of the Contract; (b) the payment of all other sums, with interest,
<br /> advanced to protect the security of this Security Instrument under the provisions of the section titled Protection of
<br /> Lender's Rights in the Property; and (c) the performance of Borrower's covenants and agreements under this
<br /> Security Instrument and the Contract. For this purpose, Borrower, in consideration of the debt and the trust herein
<br /> created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property
<br /> located in the COUNTY of HALL, State of Nebraska:
<br /> Address: 4223 MANCHESTER RD,GRAND ISLAND,Nebraska 68803-2214
<br /> Legal Description: LOT SEVENTY THREE (73), LE HEIGHTS FOURTH SUBDIVISION, IN 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 /> BORROti'VER 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 /> Q 2004-2014 Compliance Systems,Inc.FD60-9E1B-2013L2.10.1.895
<br /> Consumer Real Estate-Security Instrument DL2036 Page 1 of 5 www.compliancesystems.com
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