|
z
<br />~~ ~ T ~ ~ a n v~ cs m
<br />rrlr~ m C rn _~ ~ ~ ~ rv
<br />N ~ ~ ~ ~ ~ ~ ~~ ~ ~ ~ CJ A
<br />~ ~ l'-1 rn ~ ~ ~ ~ © CA
<br /> rV ~
<br />~ m v~
<br />~ ~ ,.,.,
<br />
<br />s
<br />~ ~-
<br />--,]
<br />~~ ~ Q f n, ~
<br />
<br />
<br />~ ~ ~~- F..~- Z
<br />O
<br /> EY9i
<br />(Space Above This Line For ~tecording Data)
<br />LOAN NUMBER: 0100610994
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made an August 12, 2009. The grantor is CLARK S
<br />FINECY, HUSBAND AND WIFE, and KIMBERLY A FINECY, HUSBAND AND WIFE, whose address is
<br />11430 S BUFFALO, Donlphan, Nebraska 68832-9722 ("Borrower"). Borrower is not necessarily the same as the
<br />Person or Persons who sign the Note. The obligations of Borrowers who did not sign the Note are explained
<br />iurlher in the section titled Successors and Assigns Bound; Joint and Several Liability; Accommodation
<br />Signers. The trustee is Arend R Baack, Attorney whose address is P.O. Box 790, Grand Island, Nebraska
<br />68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan Association of Grand Island, which is
<br />organized and existing under the laws of the United States of America and whose address is 221 South Locust
<br />Street, Grand Island, Nebraska 68801 ("Lender"). CLARK S FINECY and KIMBERLY A FINECY owe
<br />Lender the principal sum of Eighteen Thousand Three Hundred Seventy-four and 02/100 Dollars (U.S.
<br />$18,374.02), which is evidenced by the note, consumer loan agreement, or similar writing dated the same date as
<br />this Security Instrument (the "Note"), which provides for monthly payments ("Periodic Payments"), with the full
<br />debt, if not paid earlier, due and payable on July 30, 2014. This Security Instrument secures to Lender: (a) the
<br />repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the
<br />Nate; (b) the payment of all other sums, with interest, advanced to protect the security of this Security Instrument
<br />under the provisions of the section titled Protection of Lender's Rights in the Property; and (c) the performance
<br />of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower,
<br />in consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with
<br />power of sale, the following described property located in the COUNTY of HALL, State of Nebraska:
<br />Address: 11430 S BUFFALO, Doniphan, Nebraska 68832-9722
<br />Legal Description: LOT ONE (1) KAELIN 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 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 />Secured Indebtedness. The debt evidenced by the Note and which is secured by this Security Instrument is
<br />subject to the provisions of 12 CFR 225.32. Borrower acknowledges that Borrower has received the disclosures
<br />prescribed by 12 CFR 225.32 at least three business days prior to the execution of the Note and this Security
<br />Instrument, or as otherwise required by 12 CFR 225.31. Borrower and Lender further acknowledge and agree that
<br />this Security Instrument will secure additional debt subject to 12 CFR 225.32 only if Lender satisfies the necessary
<br />requirements imposed on such debt imposed by 12 CFR 225.32 and Applicable Law.
<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 />Note.
<br />Applicable 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 />Funds for Taxes and Insurance. At Lender's request and subject to Applicable Law, Borrower shall pay to
<br />Lender on the day periodic payments are due under the Note, until the Note is paid in full, a sum ("Funds") for: (a)
<br />yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b)
<br />yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (fj
<br />any sums payable by Borrower to Lender, in accordance with the provisions of the paragraph titled Mortgage
<br />Insurance, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items."
<br />chi 2004-2009 Compliance Systems, Inc. 3578.7C5D - 2009.04.57
<br />Consumer Real Estate -Security Ingttyment D42036 Page 1 of 6 www.campliancesystems.cam
<br />~Q o ~o
<br />
|