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<br />LOAN NUMBER: 01OP609422
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ( "Security Instrument ") is made on May 20, 2009, The grantor is CARLOS G
<br />GUERRERO and DIANA J GUERRERO, f /k/a DIANA JOYCE CASAREZ, HUSBAND & WIFE, whose
<br />address is 1024 N ELM ST, Grand Island, Nebraska 68801 -4060 ("Borrower"), Borrower is not necessarily the
<br />same asi,tlie Person or 1ersons who sign the Note. The obligations of Borrowers who did not sign the Note are
<br />explain ; further in a 1 section titled Successors and Assigns Bound; Joint and Several Liability;
<br />Accom oIdation Signqlrs. The trustee is Arend R. Baack, Attorney whose address is P.O. Box 790, Grand
<br />Island, Nebraska 68802 ( "Trustee "). The beneficiary is Home Federal Savings & Loan Association of Grand
<br />Island, Which is organized and existing under the laws of the United States of America and whose address is 221
<br />South Lo ust Street, Grand Island, Nebraska 68801 ( "Lender "). CARLOS G GUERRERO and DIANA J
<br />GUERRERO owe Lender the principal sum ';of Fourteen Thousand Four Hundred Twenty -five and 71/100
<br />Dollars (U.S. $14,425.71), which is evidenced by the note, consumer loan agreement, or similar writing dated the
<br />same date las this Security Instrument (the "Note "), which provides for periodic payments ( "Periodic Payments "),
<br />with the f 11 debt, if nyt paid earlier, due and payable on May 28, 2014. This Security Instrument secures to
<br />Lender: ';O the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and
<br />modific &tions of the Note; (b) the payment of all other sums, with interest, advanced to protect the security of this
<br />Security! Instrument upd6r the provisions of the section titled Protection of Lender's Rights in the Property; and
<br />(c) the p'e ormance of orlower's covenants and agreements under this Security Instrument and the Note. For this
<br />purpose, Borrower, in on4ideration of the debt and the trust herein created, irrevocably grants and conveys to
<br />j Trusteewith' ,11 � trust, ;p wer of sale, the following described property located in the COUNTY of HALL, state of
<br />Nebraska::
<br />Aqd> ess: 1024 N ELM ST, Grand Island, Nebraska 68801 -4060
<br />Legal Description: THE NORTHERLY SIXTY -SIX (66) FEET OF LOT ONE (1) IN
<br />FRACTIONAL BLOCK TWENTY -TWO (22) IN RUSSEL WHEELER'S ADDITION TO THE
<br />CTX OF GRAN ISLAND, HALL COUNTY, NEBRASKA.
<br />TOGET ER WITH all the improvements now or hereafter erected on the property, and all easements,
<br />appurtei :ices, and fi}ctures, now or hereafter a part of the property. All replacements and additions shall also be
<br />covered this Secur t}l Instrument. All of the foregoing is referred to in this Security Instrument as the
<br />"Propert .1'
<br />BORROWER COVEN�,WS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
<br />grant atd; convey theroperty and that the Property is unencumbered, except for encumbrances of record.
<br />Borrower Warrants and 'wi1I defend generally the title to the Property against all claims and demands, subject to
<br />any encumbrances of record.
<br />Secure.c debtedness The debt evidenced by the Note and which is secured by this Security Instrument is
<br />subject':, Q' a provisio of 12 CFR 226.32, Borrower acknowledges that Borrower has received the disclosures
<br />prescri` 1Sl by 12 CFR 226.32 at least three business days prior to the execution of the Note and this Security
<br />Instrumen or as ot4e se 'required by 12 CFR 226.31. Borrower and Lender further acknowledge and agree that
<br />this Secµl rity Instrument;` will secure additional debt subject to 12 CFR 226.32 only if Lender satisfies the necessary
<br />requireme' is imposed o' s>}ch debt imposed by 12 CFR 226.32 and Applicable Law.
<br />Borrower d Lender c ven�aut and agree as follows:
<br />Payment of Principal 'nd'Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the
<br />principal of and interes� on the debt evidenced by the Note and any prepayment and late charges due under the
<br />Note. f
<br />Applicable Law, As used in this Security Instrument, the term "Applicable Law" shall mean all controlling
<br />applicable federal, stated, and local statutes, regulations, ordinances and administrative rules and orders (that have
<br />the effect gflaw) as!wel� as',all applicable final, non - appealable judicial opinions.
<br />Funds 0�1 Taxes and Insurance. At Lender's request and subject to Applicable Law, Borrower shall pay to
<br />Lender n the day periodic 'payments are due under the Note, until the Note is paid in full, a sum ( "Funds ") for: (a)
<br />yearly tx s and assessments which may attain priority over this Security Instrument as a lien on the Property; (b)
<br />yearly 1 a ehold payments' or ground rents on the Property, if any; (c) yearly hazard or property insurance
<br />®2004 -2008 0' ynaht Compliance SYY��tema, inc. 74ED -F34C - 2008.10.289 www.complianceaystems.wm
<br />Consumer Re a Estate - security Instrudlent DL2036 Page 1 of 6 800- 968 -8522 - Fax 616- 956 -1868
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<br />(Space Above This Line For Recording Data)
<br />LOAN NUMBER: 01OP609422
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ( "Security Instrument ") is made on May 20, 2009, The grantor is CARLOS G
<br />GUERRERO and DIANA J GUERRERO, f /k/a DIANA JOYCE CASAREZ, HUSBAND & WIFE, whose
<br />address is 1024 N ELM ST, Grand Island, Nebraska 68801 -4060 ("Borrower"), Borrower is not necessarily the
<br />same asi,tlie Person or 1ersons who sign the Note. The obligations of Borrowers who did not sign the Note are
<br />explain ; further in a 1 section titled Successors and Assigns Bound; Joint and Several Liability;
<br />Accom oIdation Signqlrs. The trustee is Arend R. Baack, Attorney whose address is P.O. Box 790, Grand
<br />Island, Nebraska 68802 ( "Trustee "). The beneficiary is Home Federal Savings & Loan Association of Grand
<br />Island, Which is organized and existing under the laws of the United States of America and whose address is 221
<br />South Lo ust Street, Grand Island, Nebraska 68801 ( "Lender "). CARLOS G GUERRERO and DIANA J
<br />GUERRERO owe Lender the principal sum ';of Fourteen Thousand Four Hundred Twenty -five and 71/100
<br />Dollars (U.S. $14,425.71), which is evidenced by the note, consumer loan agreement, or similar writing dated the
<br />same date las this Security Instrument (the "Note "), which provides for periodic payments ( "Periodic Payments "),
<br />with the f 11 debt, if nyt paid earlier, due and payable on May 28, 2014. This Security Instrument secures to
<br />Lender: ';O the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and
<br />modific &tions of the Note; (b) the payment of all other sums, with interest, advanced to protect the security of this
<br />Security! Instrument upd6r the provisions of the section titled Protection of Lender's Rights in the Property; and
<br />(c) the p'e ormance of orlower's covenants and agreements under this Security Instrument and the Note. For this
<br />purpose, Borrower, in on4ideration of the debt and the trust herein created, irrevocably grants and conveys to
<br />j Trusteewith' ,11 � trust, ;p wer of sale, the following described property located in the COUNTY of HALL, state of
<br />Nebraska::
<br />Aqd> ess: 1024 N ELM ST, Grand Island, Nebraska 68801 -4060
<br />Legal Description: THE NORTHERLY SIXTY -SIX (66) FEET OF LOT ONE (1) IN
<br />FRACTIONAL BLOCK TWENTY -TWO (22) IN RUSSEL WHEELER'S ADDITION TO THE
<br />CTX OF GRAN ISLAND, HALL COUNTY, NEBRASKA.
<br />TOGET ER WITH all the improvements now or hereafter erected on the property, and all easements,
<br />appurtei :ices, and fi}ctures, now or hereafter a part of the property. All replacements and additions shall also be
<br />covered this Secur t}l Instrument. All of the foregoing is referred to in this Security Instrument as the
<br />"Propert .1'
<br />BORROWER COVEN�,WS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
<br />grant atd; convey theroperty and that the Property is unencumbered, except for encumbrances of record.
<br />Borrower Warrants and 'wi1I defend generally the title to the Property against all claims and demands, subject to
<br />any encumbrances of record.
<br />Secure.c debtedness The debt evidenced by the Note and which is secured by this Security Instrument is
<br />subject':, Q' a provisio of 12 CFR 226.32, Borrower acknowledges that Borrower has received the disclosures
<br />prescri` 1Sl by 12 CFR 226.32 at least three business days prior to the execution of the Note and this Security
<br />Instrumen or as ot4e se 'required by 12 CFR 226.31. Borrower and Lender further acknowledge and agree that
<br />this Secµl rity Instrument;` will secure additional debt subject to 12 CFR 226.32 only if Lender satisfies the necessary
<br />requireme' is imposed o' s>}ch debt imposed by 12 CFR 226.32 and Applicable Law.
<br />Borrower d Lender c ven�aut and agree as follows:
<br />Payment of Principal 'nd'Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the
<br />principal of and interes� on the debt evidenced by the Note and any prepayment and late charges due under the
<br />Note. f
<br />Applicable Law, As used in this Security Instrument, the term "Applicable Law" shall mean all controlling
<br />applicable federal, stated, and local statutes, regulations, ordinances and administrative rules and orders (that have
<br />the effect gflaw) as!wel� as',all applicable final, non - appealable judicial opinions.
<br />Funds 0�1 Taxes and Insurance. At Lender's request and subject to Applicable Law, Borrower shall pay to
<br />Lender n the day periodic 'payments are due under the Note, until the Note is paid in full, a sum ( "Funds ") for: (a)
<br />yearly tx s and assessments which may attain priority over this Security Instrument as a lien on the Property; (b)
<br />yearly 1 a ehold payments' or ground rents on the Property, if any; (c) yearly hazard or property insurance
<br />®2004 -2008 0' ynaht Compliance SYY��tema, inc. 74ED -F34C - 2008.10.289 www.complianceaystems.wm
<br />Consumer Re a Estate - security Instrudlent DL2036 Page 1 of 6 800- 968 -8522 - Fax 616- 956 -1868
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