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<br />(Space Above This Line For Recording Data) ��' , a
<br />DEED OF TRUST
<br />D
<br />THIS DEED OF TRUST ("Security Instrument") is made on Oetober 4, 2010. The grantors are ROME �
<br />PIEPER and DEBORAH K PIEPER, HUSBAND AND WIFE, whose address is 4171 INDIANHEAD RD,
<br />GRAND ISLAND, Nebraska 68803-6435 ("Borrower"). Borrower is not necessarily the same as the Person or
<br />Persons who sign the Note. The obligations of Bonrowers who did not sign the Note are explained further in tlte
<br />section titled Successors and Assigns Bound; Joint and Several LIabIIity; Accommodation Signers. The
<br />trustee is Arend R. Baack, Attorney whose address is P.O. Sox 'I90, Grand Island, Nebraska 68802 ("Trustee").
<br />The beneficiary is Home Federal Savings & Loan AssocYation of Grand Island, which is organized and existing
<br />under the laws of the United 5ta f� erica and whose address is 221 South Loeust Street, Grand Island,
<br />Nebraska 68801 ("Lender"). JE E'S�PIEPER and DEBORAH K PIEPER owe Lender the principal sum of
<br />Fourteen Thousand Eighty-five and 00/100 Dollars (U.S. $14,085.00), which is evidenced by the note, consumer
<br />loan agreement, or similar writing dated the same date as this Security Instrument (the "Note"), which provides for
<br />periodic payments ("Periodic Payments"), with the full debt, if not paid earlier, due and payable on October 25,
<br />2015. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with
<br />interest, and all renewals, extensions and rnodifications af the Note; (b) the payment of all other sums, with
<br />interest, advanced to protect the security of this Security Instirument under the provisions af the section titled
<br />Protection of Lender's Rights in the Property; and (c) the performance of Borrower's covenants and agreements
<br />under this Security Instrument and the Note. For this purpose, Borrower, in consideratian of the debt and the trust
<br />herein created, irrevocably grants and conveys to Trustee, in tnist, with power of sale, the following d�scribed
<br />property located in the COUNTY of HALL, State of Nebraska:
<br />Address: 4171 INDIANHEAD RD, GRAND ISLAND, Nebraska 68803-6435
<br />Legal Description: LUT FOUR (4), INDIANHEAD SECOND SUSDIVISIdN, IN THE CITY OF
<br />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 praperty. All replacements and additions shall alsa be
<br />covered by this Security Instrument. All of the foregoing is referred to in this Security Instsument as the
<br />„ Praperty."
<br />BORROWEK COVENANI'5 that Borrower is lawfully seised of tha estate hereby conveyed and has the right to
<br />grant and convey the Property and that the Property is unencumbered, except for encurabrances of record.
<br />Borrower warrants and will defend generally the title to ihe Property against all claims and demands, subject ta
<br />any encumbrances of record.
<br />Sorrower and Lender covenant and agree as follaws:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Borrowcr 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 Instnunent, the term "Applicable Law" shall mean all controlling
<br />applicable federal, state and local statutes, regulations, ardinances 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 I.ender's request and subject to Applicable Law, Borrower shall pay to
<br />Lender or. the day periadic payments are due under the Note, until the Note is paid in full, a suzrx ("Funds") for: (a)
<br />yearly taxes and assessments which may attain priority over this Security Instzument as a lien on the Pz'operty; (b)
<br />yearly leasehold payments or ground rents on the T'roperty, if any; (c) yearly hazard or property insurance
<br />premiums; (d) ysarly flood insurance prsmiums, if any; (e) yearly mortgage insurance prerniurns, if any; and (�
<br />any sums payable by Borrower to Lender, in accordance with the provisions of the paragraph titled Mortgage
<br />Insurance, in lieu af the payment of rnortgage insurance premiums. These items are called "Escrow Ttems."
<br />Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a
<br />federally related mortgage loan may require for Borrower's escrow accaunt under the federal Real Estate
<br />Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ("RESPA"),
<br />unless another Applicable Law that applies to the Funds sets a lassar amount. If so, Lender rnay, at any time,
<br />callect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds
<br />due on the basis of current data and reasanable estimates of expenditures of future Escrow Items or otherwise in
<br />accordance with Applicable Law.
<br />� 2004-2009 Compliancc Systcros, In¢. 002D-14EB - 2009.12368
<br />Consumd' Real Estate - Seeurity Instrvment PL2036 Page t af 6 www.campliancrsystems.cam
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