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<br />DEED OF TRUST
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<br />THIS DEED OF TRUST ("Security Instrument") is made on October 25, 2010. The grantors are WILLIAM F
<br />dAMES and KATHERINE B dAMES, H[TSBAND AND WIFE, whose address is 207 N ARAPAHOE,
<br />GRAND ISLAND, Nebraska 68803-3819 ("Borrower"). Borrower is not necessarily the sarne as the Person or
<br />Persons who sign tha Nate. The obligations af Sarrowers who did not sign the Note are explained further in the
<br />section titled Successors and Assigns Bound; doint and Several Liability; Accommodation Signers. The
<br />trustee is Arend R. Baack, Attorney whose address is P.O. Box 790, Grand Islaand, Nebraska 68802 ("Trustee").
<br />The bene�ciary is Home Federal Savings & Loan Association of Grand Island, which is organized and existing
<br />under the laws of the LTnited States of America and whose address is 221 South Locust Street, Grand Island,
<br />Nebraska 68801 ("L.ender"). WTLLIAM F JAMES and KATHERINE S JAMES owe L.ender tha principal sum
<br />of Twelve Thausand Nine Hundred Th'trty-three and 41/100 Dollars (U.S. $12,933.41), which is evidenced by
<br />the note, consumer loan agreement, or similar writing dated the same date as this Security Instiument (the "Nate"),
<br />which provides for periodic payments ("Periodic Payments"), with the full debt, if not paid earlier, due and
<br />payable on December 15, 2013. This Security Instrument secures to T,ender: (a) the repayment of ttxe debt
<br />evidenced by the Note, with interest, and all renewals, extensions and modi�cations of the Note; (b) the payment
<br />of all other sums, with interest, advanced to protect the security of this Security Insmunent under the pravisions of
<br />the section titled Protection of Lender's Rights in the Property; and (c) the performance of Bon'ower's
<br />covenants and agreements under this Security Instniment and the Note. For this purpose, Borrower, in
<br />consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with
<br />povver of sale, the following described property located in the COUNTY of HALL, State of Nebraska:
<br />Address: 131 ARAPAHUE AV�, GRAND ISLAND, Nebraslca 68803
<br />Legal Description: LOT EIGHT (8), BLOCK TWO (2), IN DALE ROUSH SUBDIVISION, HALL
<br />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 />coverad by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the
<br />"Property."
<br />BQRROWER 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 Froperty is unencumbered, except for encumbrances of record.
<br />Borrower warrants and will defend generally the title to the Property against all claims and dernands, subject to
<br />any encumbrances of record.
<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 />Applieable Law. As used in this Security Instrument, the term "Applicabl� 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 �nal, 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 graund rents on the 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 (�
<br />any sums payable by Borrower to I.ender, in accordance with tha provisions of the paragraph titled Mortgage
<br />Insuranee, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Ttems."
<br />Lender may, at any time, collect and hold Punds in an amount not to exceed the maximum amount a lender for a
<br />federally related mortgage loan may require for Horrower's escrow account 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 lesser amount. If so, L.ender rnay, at any time,
<br />collect and hold Funds in an amount not ta exceed the lesser amount. Lender may estunate the amount of Funds
<br />due on the basis o£ current data and reasonable estimates af expenditures of future Escrow Ttems or otherwise in
<br />accordancs with Applicable Law.
<br />n� 2004-2009 Compliance Systems, Inc. 002P-9490 - 2009.12368
<br />Cvnsumer Real Estate - Secwity Inatrument DL2036 Page 1 of 6 www.campliancesystems.com
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