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<br />DEED OF TRUST
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<br />THIS DEED OF TRUST ("Security Instrument") is made on October ��, 2U10. The graneors are RICHARU E
<br />MILLER and MA.KII�Y.NN J MILLER, HUS.I3AND AND WIFE, whose address is 4305 QUAIL LN,
<br />GRAND iSLAND, Nebraska 68801-8S11 ("Borrower"). Borrower is ��ot necessarily the same as the Person or
<br />Persons who sign th� Note. '1'he obligations af' $c�rrowers who did not sign the Noce are e�tplained further in the
<br />sectiott titled Successors and Assigns Bound; Joint and Several i,iability; Accommodation Signers. 'T'he
<br />trustee is Arend R. Baack, Attor��ey whose address is P.O. Box 79U, Grand Island, Nebraska GS$02 ("Truscee").
<br />The beneficiary is Home Federal Savin�s & Loan Association of Grand �sland, which is organized and existing
<br />under the laws of the United States of America and whose address is 221 South Locust Street, C:rand Island,
<br />Nebraska 68801 ("Lender"). RICHARD E MILLER and MARILYNN J MII.LEIt owe Lender the principal
<br />sum of Three �Iundred Thousand Seventy-nine and 50/l0U Dollars (U.S. $3UO,U79.50), whic;h is evide��ced by
<br />the note, consumer loan agreement, or sirz�ilar writing dated the same date as this Security Instrument (the "Note"),
<br />which provides for monthly payments ("Periodic Pay�nents"), with the full debt, if not paid earlier, due and
<br />payable on Apri120, 2011. This Security Instrument secures ta Lender: (a) the repayinent of the debt evidenced by
<br />the Note, with interest, and all renewals, extensions and modi�catio�as of the Note; (b) tlie payment nf all other
<br />sums, with interest, advanced to protect the security of this Sect�rity Instrument under the provi5ions of the section
<br />titled Proteetion of Lender's Rights in the Property; az�d (c) fhe performance of Borrower's cavenants and
<br />agreements under this Security [nstrutnezat and the Note. For this purpase, Borrower, in consideration of the debl
<br />azid the trust herein created, irrevocably grants and conveys to Trustee, in trust, with power o£ sale, the fol.lowixag
<br />described property located in the CUUNTY of HALL, State of Nebraska:
<br />Address: 4305 QUAIL I,N, CRAND 1SLAND, Nebraska 68801-8511
<br />Legal Description: LOT SFVENTEEN (17) 1N EAGL� LAKE ESTATES SUBDIVISION, NAI.,I.
<br />COUN'i'Y, NEBRASKA
<br />TOGETHER WITH all the iznprovements now or hereai�er erecCed on the proper�y, and �ll easements,
<br />appurtenances, and fixtures now or hereafter a part of th� property. All replacements and additions shall also be
<br />covered by this Security lnstrument. All of tk�e foregoing is referred to in tliis Security Instrument as thc
<br />"Property."
<br />BORROWER COV�NA.N".['S that Borrower is lawfully seised of the estate hereby conveyed and has the right ta
<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 />5ecnred Indebtedness. The debt evidenced by the Note and which is secured by this Security Iristrument is
<br />subject to the provisions of 12 CFR 226.32. F3orrower acknowledges that Borrower has received the disclosuxes
<br />prescribed by 12 CFR 226.32 at least three business days prior to th� execution of the Note and this Security
<br />Instrumettt, or as otherwi�e required by 12 CFR 226.31. Borrower and Lender further acknowledge and agree thaC
<br />this Security Instrument will secure addiCional debt suUject to 12 CFR 226.32 only if Lender satisfies the raecessary
<br />requirements ianposed on such debt imposed by 12 CFR 226.32 a�ad Applicable Law.
<br />Borrower and Lender cove��ant and agree as follows:
<br />Fayment of Principal a�id Interest; Prepay�nent and 1,ate Charges. Borrower shall promptly pay when due the
<br />principal of and interest on the debt evidenced by the Note and any prepayn�ea�t and late charges due under the
<br />Note.
<br />Applicable Law. As used in fhis Security Instrument, the term "Applicable Law" shall n�ean all controllin�
<br />applicable federal, staCe and local statutes, regulations, ordi��ances and adminislrative rules and orders (tt�at laave
<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, ]3orrower shall pay to
<br />Lender on the day periodic payments are due under the N�te, until the Note is paid in full, a sum ("Fu►ids") for: (a)
<br />yearly taxes and assessments which may attain priority over tl�is Security Instrument as a lien on t1�e Property; (b)
<br />yearly leasehold payments or ground rents c7n the Property, if any; (c) yearly hazard or property instuance
<br />premiums; (d) yearly flovd insurance premiums, if any; (e) yearly mort�age insu�ance premiums, if any; and (�
<br />any su��s payable by Borrower to Lendec, in accordance with the provisions of the paragraph titled Mortgage
<br />Insurance, in lieu of the payment of mortgage insurance premiums. These iterns are called "Escrow Items."
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<br />C<'> 2004-20U9 Compliance Systems, Inc. 002U•8CA9 - 2009.12368 �� �
<br />Consumer Resl 8state - Security Instmmcnt DL2036 Pagc I of 6 www.eompliancesyslenu.com
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