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<br />DEED OF TRUST
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<br />THIS DBED OF TRUST ("Security Instrument") is made on Novernber 3, 2010. The grantor is TAMYRA
<br />PICKERING, A SINGLE PERSON, whose address is 4343 KAY AVE, GRAND ISLAND, Nebraska 68803-
<br />1426 ("Borrower"). Borrower is not necessarily the same as the Person or Persons wha sign the Note. The
<br />obligations of Borrowers who did not sign the Note are explained further in the section titled Successors and
<br />AssYgns Bonnd; Joint and Several Liability; Accommodation Signers. The trustee is Arend R. Baack,
<br />Attarney whose address is P.O. Box 790, Grand Island, Nebraska b8802 ("Trustee"). The beneficiary is Hame
<br />Federal Savings & Loan Association of Grand Island, which is organized and existing under the laws of the
<br />United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801
<br />("L.ender"). TA.MYRA PICKERING owes Lender the principal sum of Six Thousand Seventy-nine and
<br />50/100 Dollars (U.S. $6,079.50), which is evidenced by the note, cansumer loan agreement, or similar writing
<br />dated the same date as this Security Instrumsnt (the "Natc"), which pravides for periodic payments ("Periodic
<br />Payments"), with the full debt, if not paid earlier, due and payable on November lb, 2013. This Security
<br />Instrument secures to L,ender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals,
<br />extensions and modifications af the Nate; (b) the payment of all other sums, with interest, advanced to protect the
<br />security of this Security Instrument under the provisions of the section titled Protection of Lender's Rights in the
<br />Property; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the
<br />Note. For this purpose, Borrower, in consideration of the debt and the trust herein created, irrevocably grants and
<br />conveys to Trustee, in trust, with power of sale, the following described property located in the COUNTY of
<br />HALL, State of Nebraska:
<br />Address: 4343 KAY AVE, GRAND ISLAND, Nebraska 68803-1426
<br />Legal Description: LOT SEVEN (7), BLOCK ONE (1), IN LE HEIGHTS SECOND SUBDNISION,
<br />TN THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all eas�ments,
<br />appurtenances, and fixtures now or hereafter a part of the property. All replacements and additians 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 canvey 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 />Seeured Indebtedness. The debt evidenced by the Note and which is secured by this Security Inshtiun�nt is
<br />subject to the provisions of 12 CFR 226.32. Borrower acknawledges that Borrower has received the disclosures
<br />prescribed by 12 CFR 226.32 at least three business days prior to the execution of the Note and this Security
<br />Instrument, or as otherwise required by 12 CFR 226.31. Borrower and Lender further acknowledge and agree that
<br />this Security Instrument will secure additional debt subject to 12 CFR 226.32 anly if Lender satisfies the necessary
<br />requirements imposed on such debt imposed by 12 CFR 226.32 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 chaxges due under the
<br />Note.
<br />Appl3eable 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 arders (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 />I.ender 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 Sccurity Instrument as a lien on the Property; (b)
<br />yearly leasehold payrnents 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 ( fl
<br />any sums payable by Borrower to I,ender, 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 />� 2004-2009 Compliance Systans, Inc. 002D-C3EA - 2009.I2.368
<br />Conswna' Real Estate - Securiry Inspument bI.2036 Page 1 of 6 www.camplimccsystems.com
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