|
�_
<br />__
<br />���
<br />���
<br />� ��
<br />� �
<br />A ��
<br />W �
<br />�P
<br />�
<br />���
<br />—
<br />��
<br />�
<br />���
<br />�
<br />�
<br />�
<br />�
<br />�
<br />�
<br />�
<br />�
<br />@
<br />�
<br />� `
<br />e
<br />�
<br />�
<br />� o
<br />� �
<br />� ���
<br />\ �
<br />� �
<br />� �
<br />�
<br />5 tr
<br />�
<br />�
<br />C
<br />� �
<br />� � �
<br />� �
<br />.�
<br />1
<br />i i
<br />I!!
<br />� �
<br />i '�
<br />(Space Above This Line For R�ording Data)
<br />DEED OF TRUST
<br />s� �
<br />r
<br />� �,
<br />r
<br />o�
<br />� �� .
<br />�
<br />� �.—,
<br />--�
<br />m
<br />�
<br />� S ___�
<br />O r ...
<br />� �
<br />0
<br />�
<br />�
<br />�
<br />�
<br />�
<br />�
<br />�
<br />0
<br />�
<br />�
<br />�
<br />0
<br />�
<br />�
<br />� rr,
<br />O
<br />c n
<br />Z —f
<br />--f rn
<br />� o
<br />o�
<br />� `
<br />S n�
<br />�,m
<br />�'�
<br />r m
<br />�
<br />�
<br />C�
<br />i
<br />THIS DEED OF TRUST ("Security Insirument") is made on May 2, 2011. The graators aze JOHN M HAYES
<br />and DEBORAH J HAYES, HU5BAND AND WIFE, whose address is 1017 S PLEASANT VIEW DR,
<br />GRAND ISLAND, Nebraska 68801-8021 ("Bonower"). Bonower is not necessazily the same as the Person or
<br />Persons who sign the Note. The obligations of Borrowers who did not sign the Note are explained fuzther in the
<br />section titled Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The
<br />trustee is Arend R Baack, Attorney whose address is P.O. Boz 790, Grand Island, Nebraska 68�02 ("Trustee").
<br />The beneficiary is Home Federal Savings & Loan Association of Grand Island, wluch is organized'�and existing
<br />under the laws of the United States of America and whose address is 221 South Locust Street, Gr�nd Island,
<br />Nebraska 68801 ("Lender"). JOHN M HAYES and DEBORAH J HAYES owe Lender the principal sum of
<br />Ten Thousand Seventy-nine and 50/100 Dollars (U.S. $10,079.50), wluch is evidenced by the note, consumer
<br />loan agreement, or similar writing dated the same date as this Security Instivment (the "Note"), which provides for
<br />periodic payments ("Periodic Payments"), with the full debt, if not paid earlier, due and payable on M 17, 2016.
<br />This Security Insttvment secures to Lender: (a) the repayment of the debt evidenced by the Note, with ' terest, and
<br />all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interes advanced
<br />to protect the security of this Security Instrument under the provisions of the section tifled Protection Lender's
<br />Rights in the Property; and (c) the performance of Borrower's covenants and agreements under ' Security
<br />Instrument and the Note. For this purpose, Borrower, in consideration of the debt and the trust her'in created,
<br />irrevocably grants and conveys to Trustee, in trust, with power of sa1e, the following descnbed properi� located in
<br />the COUNTY of HALL, State of Nebraska:
<br />Address: 1017 S PLEASANT VIEW DR, GRAND ISLAND, Nebraska 68801-8021 ;
<br />Legal Description: LOT SIXTEEN (1�, BLOCK ONE (1), PLEASANT VIEW TWELFTH
<br />SUBDIVISION, TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA
<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 the property. All replacements and additions shall also be
<br />covered by this Security Instrumen� All of the foregoing is referred to in this Security Instrument as the
<br />"Property."
<br />BORROWER COVENANTS that Bonower is lawfiilly seised of the estate hereby conveyed and has the right to
<br />grant and convey the Properiy and that the Property is unencumbered, except for encwnbrances 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 Instrument is
<br />subject to the provisions of 12 CFR 226.32. Borrower aclaiowledges 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 tliis Security
<br />Instrument, or as otherwise required by 12 CFR 226.31. Borrower and Lender fiurther acknowledge an agree that
<br />this Security Instrument will secure additional debt subject to 12 CFR 226.32 only if Lender satisfies th' 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. Bonower shall promptly pay w en due the
<br />principal of and interest on the debt evidenced by the Note and any prepayment and late charges du� under the
<br />Note.
<br />Applicable Law. As used in this Security Instrument, the term "Applicable Law" shall mean all Icontrolling
<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 Lender's request and subject to Applicable Law, Bonower shall pay to
<br />Lender on the day periodic payments are due under the Note, until the Note is paid in full, a swn ("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 />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and ( fl
<br />any sums payable by Bonower 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 Items."
<br />� 2004-2010 Compllance Syatems, Inc. HSOB-158A - 2010.03.378
<br />Conaumer Real Hstate - Security Insavment DL2036 Pege 1 of 6
<br />O
<br />N
<br />O
<br />6�
<br />��
<br />O
<br />w
<br />C t�l
<br />.S
<br /><* "t�
<br />,�
<br />�
<br />US
<br />
|