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<br />DEED OF TRUST
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<br />THIS D�ED OF TRUST ("Security Instrument") is made on December 6, 2010. The grantors are ROBERT V
<br />KRICHAU, whose address is 217 WETZEL ST, GRAND ISLAND, Nebraska 68801-8410 , and DEBORAH I
<br />KRICHALT, HUSSAND AND WIFE, whose address is 217 WETZEL STRE�T, GRAND �SLAND, Nebraska
<br />68801 ("Borrower"). Sorrower is not necessarily the same as the Person or Persons who sign the Note. The
<br />obligations of Borrowers who did not sign the Note are explained further in the section titled Successo►'s and
<br />Assigns Bound; Joint and Several Liability; Accommodation Slgners. 'I'he trustee is Arend R. Baack,
<br />Attorney whose address is P.O. Box 790, Grand Tsland, Nebraska 68802 ("Trustee"). The beneficiary is Home
<br />Federal Savings & Laan 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 6$801
<br />("Lender"). ROBERT V KRICHAU and DEBORAH I KRICHAU owe Lender the principal sum o� Nineteen
<br />Thousand Two Hundred Eighty-one and 40/100 Dollars (U.S. $19,281.40), which is evidenced by the note,
<br />consumer loan agreernent, or similar writing dated the same date as this Sccurity Instrument (the "Note"), which
<br />provides £or monthly payments ("Periodic Payments"), with tha full debt, if not paid earlier, due and payable on
<br />Deeember 28, 2015. This Security Instrument secures to Lender: (a) tl�e repayment of the debt evidenced by the
<br />Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums,
<br />with interest, advanced ta protect the security of this Security Instrument under the provisions af the section titled
<br />Protection of Lender's Rights in the Property; and (c) the performance af Borrower's covenants and agreements
<br />under this Security Instrument and the Note. For this purpose, Borrawer, in consideration of the debt and the trust
<br />herein cz'eated, irrevocably grants and conveys to 'I"rustee, in trust, with power af sale, the following described
<br />property located in the COUNTY of HALL, State of Nebraska;
<br />Address: 217 WETZEL ST, GRAND ISLAND, Nebraska 68801-8410
<br />Legal Description: LOT S�VEN (7) AND EIGHT (8) WETZEL'S SUBDIVISION, HALL C�LTNTY,
<br />NESRASKA.
<br />TOGETHER WITH all the ixnprovements now or hereafter erectcd on the property, and all easements,
<br />appurtenances, and fixtures now or hereafter a part of the praperty. 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 Borrqwer 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 />Borrowar warrants and will defend generally the title to the Properiy against ali claims and demands, subject to
<br />any encumbrances of record.
<br />Borrower and Lender covenant and agree as follaws:
<br />Fayment of Principai and Interest; Prepayment anc� 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 char$es due under the
<br />Note.
<br />Applicable Law. As used in this Security Instxument, 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 far Taxes and I1lsurance. At Lender's request and subject ta 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 surn ("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 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 (�
<br />any sums payabla by Borrower to Lender, 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 Ttems."
<br />Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a
<br />federally related mortgage loan may require for Borrovcrer's escrow account under the federal Real Estate
<br />Settlement Procedures Act of 1974 as amended from time to tirne, 12 U.S.C. Section 2601 et seq. ("RESPA"),
<br />unless another Applicable I.aw that applies to the Funds sets a lesser amount. If so, Lender may, at any time,
<br />collect and hold Funds in an amount not to exceed the lesser arnount. Lender may estimate the amount of Funds
<br />6� 2004-20D9 Compliance Systcros, Inc. 002p-pSCD - 2009.12.}68
<br />C.onsumer Reai Esta[e - Security Instcument pL2036 Pagc l of 6 www.eompliancesyretems.eom
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