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<br />DEED OF TRUST
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<br />THIS DEED OF TRLTST ("Security Instrument") is made on October 1, 2010. The grantors are DOUGLAS J
<br />SEAMAN and CINDY D BEAMAN, HUSBAND AND WIFE, whose address is 1727 DORE�N ST, GRAND
<br />ISLAND, Nebraska 4$803-6122 ("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 Assl�ns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend
<br />R. Baack, Attorney whose address is P.O. Box 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary
<br />is Home Federal Savings & Loan Association of Grand Island, which is arganized 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"). DOUGLAS J BEAMAN and CINDY D BEAMAN owe Lender the principal sum of Eight
<br />Thousand Seventy-nine and 50/100 Dollars (U.S. $$,079.50), which is evidenced by the note, consumer loan
<br />agreement, or similar writing dated the same date as this Security Instrument (the "Note"), which provides for
<br />periodic payments ("Periodic Payrnen.ts"), with the full debt, if not paid earlier, due and payable on October 15,
<br />2013. This Security Instrutttent sectu'es to Lender: (a) the repayment of the debt evidenced by the Note, with
<br />interest, and all renewals, extensions and modifications of the Note; (b) the payrnent o£ all other suzns, with
<br />interest, advanced to protect the security of this Security InsUrument under the provisions of the sectian titled
<br />Proteetion of Lender's Rights in the Praperty; and (c) the performance of Borrower's covenants and agreements
<br />under this 5ecuriry Instrument and the Note. For this purpose, Borrower, in consideratian af the debt and the trust
<br />herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described
<br />property located in thc COUN'I"Y of HALL, State of Nebraska:
<br />Address: 172'7 DOREEN ST, GRAND ISLAND, Nebraska 68803-6122
<br />Legal Description: LOT TWENTY-ONE (21), WEST BEL AIR FIFTH SUBDNISION, IN THE
<br />CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA,
<br />TOGETHER WITH all the improvements now or hereafter erected an 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 />SORROWER 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 unencunnbered, except for encumbrances of recard.
<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 />8orrower and Lender covenant and agree as follows:
<br />Paymeut af Principal and Interest; Prepayment and Late Charges. Barrower 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 />Applieable 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 adrninistrative nxles and orders (that have
<br />the effect of law) as well as all applicable final, non-appealable judicial opinions.
<br />Funds far Taxes and Insur�nce. At L.endcr's request and subject to Applicable L.aw, Borrower shall pay to
<br />Lender on the day periodic payments ara 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 Saourity Instrument as a lien on the Property; (b)
<br />yearly leasehold payments ar ground rents on tha Property, if any; (c) yearly hazard ar property insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and ( fl
<br />any surns payable by Borrawer to Lender, in accardance with the provisions of the paragraph. titled Martgage
<br />Insurance, in lieu of the payment of mortgage insurance pramiums. These items are called "Escrow Items."
<br />Lender may, at any time, collect and hold Punds in ari amount nat to exceed the maximum amount a lender for a
<br />federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate
<br />Settlement Procedures Act of 1974 as amended frotn time to time, 12 U.S.C. Section 2601 et seq. ("RESPA"),
<br />unless another Applicable Law that applies to the Funds sets a lesser amount. If so, Lender may, at any time,
<br />collect and hold Funds in an amount not to exceed the lesser amount. Lender rnay estimate the amount of Funds
<br />due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in
<br />accordance with Applicable Law.
<br />¢� 2004-2009 Compliancc Systcros, Inc. 002D-AAB6 - 2009.12.368
<br />Consumer Real Estate - Security Instrument PI.2036 Page 1 of 6 www.compGancesystcros.com
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