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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 June 12, 2015. The grantors are DEBORAH J
<br /> JOHNSON, A SINGLE PERSON, whose address is 1315 W DIVISION ST, GRAND ISLAND, Nebraska
<br /> 68801-5739 , and DANA K KECK, A SINGLE PERSON, whose address is 1315 W DIVISION ST, GRAND
<br /> ISLAND,Nebraska 68801 ("Borrower").Borrower is not necessarily the same as the Person or Persons who sign
<br /> the Home Equity Line of Credit Agreement, dated June 12, 2015 ("Contract"). The obligations of Borrowers
<br /> who did not sign the Contract are explained further in the section titled Successors and Assigns Bound; Joint
<br /> and Several Liability; Accommodation Signers. The trustee is Arend R. Baack, Attorney whose address is
<br /> P.O. Box 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"). DEBORAIi J
<br /> JOHNSON has entered into a Contract with Lender as of June 12,2015,under the terms of which Borrower may,
<br /> from time to time, obtain advances not to exceed, at any time, a ***MAXIMUM PRINCIPAL AMOUNT
<br /> (EXCLUDING PROTECTIVE ADVANCES)*** of Twenty-one Thousand Five Hundred and 00/100
<br /> Dollars (U.S. $21,500.00) ("Credit Limit"). Any party interested in the details related to Lender's continuing
<br /> obligation to make advances to Borrower is advised to consult directly with Lender. If not paid earlier, the sums
<br /> owing under Borrower's Contract with Lender will be due on June 15,2020. This Security Instrument secures to
<br /> Lender: (a) the repayment of the debt under the Contract, with interest, including future advances, and all
<br /> renewals, extensions and modifications of the Contract; (b)the payment of all other sums,with interest, advanced
<br /> to protect the security of this Security Instrument under the provisions of the section titled Protection of Lender's
<br /> Rights in the Property; and (c) the performance of Borrower's covenants and agreements under this Security
<br /> Instrument and the Contract. For this purpose,Borrower, in consideration of the debt and the trust herein created,
<br /> irrevocably grants and conveys to Trustee, in trust,with power of sale,the following described property located in
<br /> the COUNTY of HALL, State of Nebraska:
<br /> Address: 1315 W DIVISION ST,GRAND ISLAND,Nebraska 68801-5739
<br /> Legal Description: LOT THREE (3), BLOCK THREE (3), ELM PLACE ADDITION TO THE CITY
<br /> 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 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 /> �2004-2014 Compliance Systems,Inc.FD60-482B-2013L2.10.1.895
<br /> Consumer Real Estate-Security Instrument DL2036 Page]of 5 www.compliancesystems.com
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