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<br />(5pace Above Tbis Line For Recording Data)
<br />DEED OF TRUST
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<br />THIS DEED OF TRUST ("Security Instrument") is made on Apri18, 2011. The grantor is CHRISTOPHER M
<br />WALZ, A SINGLE PERSON, whose address is 1103 W LOUISE ST, GRAND ISLAND, Nebraska 68801-6424
<br />("Bonower"). Borrower is not necessarily the same as the Person or Persons who sign the Note. The obligations of
<br />Borrowers who did not sign the Note are explained further in the section tifled 5uccessore and Assigns Bou�td;
<br />Joint and Several Lisbility; Accommodation Signers. The trustee is Arend R Baack, Attorney whose address
<br />is P.O. Boa 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings &
<br />Loan Association of Grand Island, which is organized and existing under the laws of the United States of
<br />America axid whose address is 221 South Locust 5treet, Grand Island, Nebraska 68801 ("Lender").
<br />CHRI5TOPHER M WALZ owes Lender the principal sum of Ten Thousand Two Hundred Thirty-five and
<br />00/100 Dollars (U.S. $10,235.00), which is evidenced by the note, consumer loan agreement, or similar writing
<br />dated the same date as this Security Instivment (the "Note"), which provides for periodic payments ("Periodic
<br />Payments"), with the full debt, if not paid eazlier, due and payable on April 7, 2018. This Security Instrument
<br />sacures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and alI renewals, extensions
<br />and modifications of the Note; (b) the paynnent of a11 other sums, with interest, advanced to protect the security of
<br />this Security Instrument under the provisions of the section titled Protection of Lender's Righta in the Property;
<br />and (c) the perFormance of Borrower's covenants and agreements under this Security Insl�vment and the Note. For
<br />this purpose, Borrower, in consideration of the debt and the trust herein created, irrevocably grants and conveys to
<br />Trustee, in trust, with power of sale, the following described property located in the COUNTY of HALL, State of
<br />Nebraska:
<br />Address: 1103 W LOUISE ST, GRAND ISLAND, Nebraska 68801-6424
<br />Legal Description: THE NORTIIERLY SIXTY-SIX (6� FEET OF LOT ONE (1), IN BLOCK FIVE
<br />(�, IN WINDOLPH'S ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY,
<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 sha11 also be
<br />covered by this Security Instrument. All of the foregoing is referted to in this Security Instcvment 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 Properry 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 Inshvment is
<br />subject to the provisions of 12 CFR 226.32. Bonower aclrnowledges 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 />Instnunent, or as othervvise required by 12 CFR 226.31. Bonower and Lender further acl�owledge arid agree that
<br />this Security Instrument will secure additional 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 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 />pnincipal of 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 Instcument, 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 alI applicable final, non-appeala.ble judicial opinions.
<br />Funds for Tazes 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 ground rents on the Property, if any; (c) yearly hazard or property insurance
<br />premiwns; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (fj
<br />any sums payable by Borrower to Lender, in accordance with the provisions of the paragraph tided Mortgage
<br />� 2004-2010 Compliance Syateme, Inc. EEOB-DBDA - 2010.03.378
<br />Conaumec Real Estate - Security Tnatrument bL2036 Page 1 of 6 wwa•.00mp�iaaceyyyTe�.com
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