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<br />II
<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on Aprii 28, 2011. The grantors are THOMAS P
<br />METTENBRINK and KAREN A METTENBRINK, HUSBAND AND WIFE, whose address is 1324 W
<br />NORTH FRONT ST, GRAND ISLAND, Nebraska 68801 ("Borrower"). Borrower is not necessarily the same as
<br />the Person or Persons who sign the Note. The obligations of Borrowers who did not sign the Note are explained
<br />further in the section tifled Successors and Assigns Bound; Joint and Several Liability; Accommodation
<br />Signers. The hustee is Arend R Baack, Attorney whose address is P.O. Bog 790, Grand Island, Nebraska
<br />68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan Associaflon of Grand Island, which is
<br />organized and existing under the laws of the United States of America and whose address is 221 South Locnst
<br />5treet, Grand Island, Nebraska 68801 ("Lender"). THOMAS P METTENBRINK and KAREN A
<br />METTENBRINK owe Lender the principal sum of Four Thousand Two Hundred Four and 14/100 Dollars
<br />(U.S. $4,204.14), 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 monthly payments ("Periodic Payments"), vVith the full
<br />debt, if not paid eazlier, due and payable on April 20, 2013. This Security Instrument secures to Len�er: (a) the
<br />repayment of tha debt evidenced by the Note, with interest, and all renewals, extensions and modifica�ions of the
<br />Note; (b) the payment of a1I other sums, with interest, adva�nced to protect the security of this Security��nstrument
<br />under the provisions of the section tifled Protection of Lender's Itights in the Property; and (c) the p�rformance
<br />of Bonower's covenants and agreements under this Security Instrurnent and the Note. For this purpose�' Borrower,
<br />in consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, inj' trust, with
<br />power of sale, the following described properly located in the COUNTY of HALL, State of Nebraska: !
<br />Address:1324 W NORTH FRONT ST, GRAND ISLAND, Nebraska 68801 I
<br />Lega1 Description: LOT SIX (� IN BLOCK THIRTEEN (13) IN THE BONNIE BRAE EIDDITION
<br />TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRA5KA
<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 replaceinents and additions shall also be
<br />covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the
<br />"Properiy."
<br />BORROWER COVENANTS that Bonower is lawfully seised of the estate hereby conveyed and has the right to
<br />grant and convey the Properly and that the Property is unencumbered, except for encumbrances of record.
<br />Borrower wazrants and will defend generally the title ta the Property against all claims and demands, subject to
<br />any encumbrances of record.
<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 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 �� ntrolling
<br />applicable federal, state and local statutes, regulations, ordinauces and administrative rules and order�', (that have
<br />the effect of law} as well as all applicable final, non,-appealable judici.al opinions.
<br />Funds for Ta$es and Insurance. At Lender's request and subject to Applicable Law, Bonower shall pay to
<br />Lender on the day periodic paym�nts are due under the Note, until the Note is paid in full, a sum ("Fun� ") for: (a)
<br />yeazly taxes and assessments which may attain priority over this Security Instrument as a lien on the P�'Operty; (b)
<br />yeazly leasehold payments or ground rents on the Property, if any; (c) yearly �a�rd or properi� 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 tifled Mortgage
<br />Insurance, in Iieu of the payment of, inswrance premiums. These items are called "Escrow Items."
<br />Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amou.nt a lender for a
<br />federally related mortgage loan may require for Bonower's escrow account under the federal Real Estate
<br />Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ("RESPA"),
<br />ualess another Applicable La�v that applies to the Funds sets a lesser amount. If sq Lender may, at any time,
<br />collect and hold Funds in an anaount not to exceed the lesser amoun� Lender may estimate the amount of Funds
<br />due on the basis of current data and, reasanable estimates of expenditures of future Escrow Items or otherwise in
<br />accordance with Applicable Law.
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<br />Coagumer Rwl Eafata - Security Iretrommt DL2036 Page 1 of 6 a'�'.�p���.CO°'
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