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<br />DEED OF TRUST
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<br />THIS DEED OF TRUST ("Security Instrument") is made on April 13, 2011. The grautors aze JEFFREY T
<br />MORRICK, whose address is 1004 SAGEWOOD AVE, GRAND �SLAND, Nebraska 6$803-3126 , and
<br />CHASIDY L MORRICK, HUSBAND AND WIFE, whose address is 1004 SAGEWOOD AVE, GRAND
<br />ISLAND, Nebraska 6$803-3126 ("Bonower"). Borrower is not necessarily the same as the Person or Persons who
<br />sign the Note. The obligations of Borrowers who did not sign the Note are explained further in the section titled
<br />5uccessors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend
<br />R Baack, Attorney whose address is P.O. Bog'790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary
<br />is Home Federal Savings & Loan Association of Grand Island, which is organized and existing under the laws
<br />of the United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801
<br />("Lender"). JEFFREY T MORRICK owes Lender the principal sum of Farty-nine Thousand Nine Hundred
<br />Fifty-five and 00/100 Dollare (U.S. $49,955.00), which is evidenced by the note, consumer loan agreement, or
<br />similar writing dated the same date as this Security Instrument (the "Note"), which provides for periodic payments
<br />("Periodic Payments"), with the full debt, if not paid earlier, due and payable on April 10, 2016. This Security
<br />Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals,
<br />extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced to protect the
<br />security of this Security Instrument under the pro�isions 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 tr�st herein created, irrevocably grants and
<br />conveys to Trustee, in t►ust, with power of sale, the following described property located in the COiTNTY of
<br />HALL, State of Nebraska:
<br />Address:1004 SAGEWOOD AVE, GRAND ISLAND, Nebraska 68803-3126
<br />Lega1 Description: LOT ONE HUrTDRED TWENTY NINE (129), LARUE SUBDIVISION, IN THE
<br />CITY OF GRAND ISLAND, HALL COUNTY, NEBRA5KA ,
<br />TOGETI�R WITH all the improvements now or hereafter erected on the property, and all easements,
<br />appurtenances, and fixtures now or hereafter a part of fhe property. All replacements and additions shall also be
<br />covered by this Security Insttumen� All of the foregoing is referred to in this Security Instrument as the
<br />„ Property."
<br />BORROWER COVENANTS that Bonower is lawfully seised of the estate hereby conveyed and has the right to
<br />grant and convey the Property and tbat the Property is unencumbered, except for encumbrances of record.
<br />Borrower wanants 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 Instru�ent is
<br />subject to the provisions of 12 CFR 226.32. Borrower acknowledges that Borrower has received the disclosures
<br />prescribed by 12 CFR 22632 at least three business days prior to the execution of the Note and this 5ecurity
<br />Instrument, or as otherwise required by 12 CFR 226.31. Bonower and Lender further acknowledge and agree that
<br />this Security Instrument will secure additional debt subject to 12 CFR 226.32 only if Lender satisfes the necessary
<br />requirements imposed on such debt imposed by 12 CFR 226.32 and Applicable Law.
<br />Bonower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Chargea Borrower shall promptly 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 />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 administrative rules and orders (that have
<br />the effect of law) as well as all applicable final, non-appealable judicial opinions.
<br />Funds for Tazes and Insurance. At I.ender'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 Instruinent as a lien on the Property; (b)
<br />yearly leasehold paynnents or grouud 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 (fj
<br />any sums payable by Borrower to Lender, in accordance with the provisions of the paragraph titled Mortgage
<br />m 2004-2010 Complimce Syetems, Inc. EEOB-C479 - 2010.03.378
<br />Caasumer Real Estate - Security Iastrument DL2036 Pege 1 of 6 www.compliancavyatema.com
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