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<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on December 9, 2010. The grantors are ROBERT C
<br />STICKELS and MARILYN D STICKELS, HUSBAND AND WIF�, whose address is 426 CAMPBELL AVE,
<br />Doniphan, Nebraska 6$832-9718 ("Borrower"). Borrower is not necessarily the same as the Person or Persans
<br />who sign the Note. The obligations of Borrowers wha did not sign the Note are explained fiu�her in the section
<br />titled Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is
<br />Arend R Baack, Attorney whose address is P.O. Box 790, Grand Island, N�braska 68802 ("Trustee"). 'The
<br />beneficiary is Home Federal $avings & Loan Associadon of Grand Island, which is organized and existing
<br />under the laws of the United States of America and whose address is 221 South Locust Street, Grand Island,
<br />Nebraska 68801 ("Lender"). ROBERT C STICKELS and MARILYN D STICKELS owe Lender the principal
<br />sum of Twenty-three Thousand Five Hundred Seventy-nine and 50/100 Dollars (U.S. $23,579.50), wluch is
<br />evidenced by the note, consumer loan agreement, or similar writang dated the same date as this Security Instrument
<br />(the "Note"), which provides for monthly payments ("Periodic Payments"), with the full debt, if not paid earlier,
<br />due and payable an February 15, 2011. This Security Instrument secures to Lender: (a) the repayment of the debt
<br />evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment
<br />of all other sums, with interest, advanced to protect the security of th'rs Security Instrument under the provisions af
<br />the section atled Protection of Lender's Rights in the Property; and (c) the perfornnance of Borrower's
<br />covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower, in
<br />consideration of the debt and thc trust herein created, irravocably grants and conveys to Trustee, in trust, with
<br />power of sale, thc fallowing described property located in the COLTNTY of HALL, State of Nebraska:
<br />Address: 426 CAMPBELL AVE, Doniphan, Nebraska 68832-9718
<br />Legal Description: LOT SIX (b), AMICK ACRES SECOND SUBDIVISION, HALL COi7NTY,
<br />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 />covered by this Security Instrument. All of the foregoi.ng is referred to in this Securiry 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 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 />Secured Indebtedness. The debt evidenced by the Note and which is secured by this Security Insttwnent is
<br />subject to the provisions of 12 CFR 226.32. Borrower acknowledges 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 />Instrurnent, or as otherwise required by 12 CFR 226.31. Borrower and L,ender further acknowledge and agree that
<br />this 5ecurity Instrument will secure addidonal debt subject to 12 CFR 226.32 only if Lender satisfies the necessary
<br />requirements imposed on such debt imposed by 12 CFR 226.32 and Applicable I,aw.
<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 af 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 Instrument, the term "Applicable Law" shall mean all controlling
<br />applicable federal, state and local statutes, regulations, ordinances and adrninistrative 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 requast 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 ta�ces 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 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 Lender, in accordance with the provisions of the paragraph titled Mortgage
<br />Insurance, in lieu of the payment of mortgage insurance premiurns. These items are called "Escrow Items."
<br />� 2004-2009 Compliance Systems, Inc. 002D-3459 - 2009.12368
<br />Consumer Real Estate - Security Instrumeut DL2036 Page 1 aF6 www.eompliapceaystema.com
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