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<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
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<br />THIS DEED OF TRUST ("Security Instcvment") is made on June 8, 2011. The grantors are BRADLEY C
<br />MENKE and MARII.YN J MENKE, HUSBAND AND WIFE, whose address is 2410 BRAHMA, GRAND
<br />ISLAND, Nebraska 68801-7612 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who Q
<br />sign the Note. The obligations of Boaowers who did not sign the Note are explained fiu�ther in the section titled ��
<br />Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend �
<br />R Baack, Attorney whose address is P.O. Boz 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"). BRADLEY C MENKE and MARILYN J MENKE owe Lender the principal sum of Fifteen
<br />Thousand Ninety-seven and 50/100 Dollars (LT.S. $15,097.50), which is evidenced by the note, consumer loan
<br />agreement, or similar writing dated the same date as this Security Instrument (the "Note"), which provides for
<br />periodic payments ("Periodic Payments"), with the full debt, if not paid earlier, due and payable on June 15, 2016.
<br />This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and
<br />all renewals, extensions and modifications of the Note; (b) the payment of a11 otUer sums, with interest, advanced
<br />to protect the security of this Security Instrument under the provisions of the section tifled Protection of Lender's
<br />Rights in the Property; and (c) the performance of Borrower's covenants and agreements under tUis Security
<br />Instrument and the Note. For this purpose, Bonower, in consideration of the debt and the trust herein created,
<br />irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in
<br />the COIJNTY of HALL, State ofNebraska:
<br />Address: 2410 BRAHMA, GRAND ISLAND, Nebraska 68801-7612
<br />Legal Description: LOT TWENTY-THREE (23), IN BLOCK TWO (Z), IN SOUTHERN ACRES, AN
<br />ADDITION TO THE CITY OF GRAND I5LAND, HALL COUNTY, NEBRASKA
<br />TOGETHER WIT'H 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 Instrument. All of the foregoing is refened 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 that the Properiy is unencumbered, except for encumbrances 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 />Borrower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Bonower 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 L,aw" 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 Lender's request and subject to Applicable Iaw, 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) yeazly 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 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 Items."
<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 Borrower'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 />unless another Applicable Law 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 amount. Lender may estimate the amount of Funds
<br />due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or othervvise in
<br />accordance with Applicable Law.
<br />� 2004-2010 Compliance Systems, Inc. EEO&SIEI - 2010.03378
<br />Conaumer Real Eatate - Security Instrument DL2036 Page 1 of 6 www.compliancesystems.com
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