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<br />(Spaca Above This Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on November 1, 2010. The grantor is SUSAN LEE
<br />JENSEN, A SINGLE PERSON, whose address is 1908 W WAUGH ST, GRAND ISLAND, Nebraska 68803
<br />("Borrower"). Borrower is not necessarily the same as the Persan or Persons who sign the Note. The obligations of
<br />Borrowers who did not sign the Note are explained further in the section titled Successors and Assigns Bound;
<br />JoInt and Several Liability; Accommodatian Signers. The trustee is Arend R. Saack, Attorney t�hose address
<br />is P.O. Box 790, Grand Island, Nebraska 68802 ("Trustce"). The beneficiary is Home Federal Savings &
<br />Loan Association af Grand Island, which is organized and existing under the laws of the United States of
<br />America and whose address is 221 South Lacust Street, Grand Island, Nebraska 68801 ("I,ender"). SUSAN
<br />LEE JENSEN owes I.ender the principal sum of Six Thousand Three Hundred Eighty and 00/100 Dollars
<br />(U.S. $6,380.00), which is evidenced by the note, consumer loan agreement, or similar writing dated the same date
<br />as this Security Instrument (the "Note"), which provides for periodic payments ("Periodic Payrnents"), with the full
<br />debt, if not paid earlier, due and payable on October 25, 2013. This Security Instrument secures to Lender: (a) the
<br />repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the
<br />Note; (b) the payment of all other suzns, with interest, advanced ta protect the security of this Security Instniment
<br />under the provisions of the section titlsd Protection of Lender's Rights in the Property; and (c) the performance
<br />of Borrower's cavenants and agreements under this Security Instrument and the Note. For this purpose, Borrower,
<br />in consideration of the debt and the trust hcrein created, irrevocably grants and conveys to Trustee, in trust, with
<br />power of sale, the following described property located in the COiJNTY of HALL, State of Nebraska:
<br />Address: 1908 W WAUGH ST, GRAND ISLAND, Nebraska 68803
<br />Legal Description: THE WEST SIX�'Y-T"WO AND SIX TENTHS (62.6) FEET OF LOTS ELEVEN
<br />(11) AND THTRTEEN (13), BLQCK TWENTY-SEVEN (27), IN GILBERT'S THIRD ADDITION
<br />TO THE CITY OF GRAND ISLAND, HAI.L COLTNTY, NEBRASKA.
<br />TOGETHER WITH all the improvements naw 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 />covered by this Security Instrument. All of the foregoing is referred to in this Security Instiument as the
<br />"Praperty."
<br />BORROWER COVENANTS that Barrower is law.fully seised of the sstate hereby conveyed and has the right to
<br />grant and convey the Property and that the Properiy is unencumbered, except far encumbrances of record.
<br />Borrower warrants and will defend generally the title ta the Property against all claims and demands, subject to
<br />any encumbrances of record.
<br />Secured Indebtedness, T'he debt evidenced by the Note and wlasch is secured by this Security Instrument is
<br />subject to the provisions of 12 CFR 226:32. Borrower acknowledges that Borrower has received the disclosures
<br />prescribed by 12 CFR 22b,32 at least tliree business days prior to the execution of the Note and this Security
<br />Instrurnent, or as otherwise required by 12 CFR 226.31. Borrower and Lender further acknowledge and agree that
<br />tlus Security Instrument will secure additional debt subject to 12 CFR 226.32 only if Lender satis�es the necessary
<br />requirements imposed on such debt imposed by 12 CFR 226.32 and Applicable Law.
<br />Borrawer and L.ender covenant and agree as fallows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall pro.mptly 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 />Applic�ble Law. As used in this Security Insttument, the term "Applicable 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 final, non-appealable judicial opinions.
<br />Funds for Taxes and Insurance. At Lender's request and subject to Applicable Law, Borrawer 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") far: (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 ground rents on the Property, if any; (c) yearly hazaxd 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 L,ender, 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."
<br />6� 200A-2009 Compliance Systems, Inc. OD2b-2796 - 2009.12.368
<br />Consumer Real Eetate- Security Ins[IUmmt DL2036 Page 1 of8 www.complianeeaysteens.com
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