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<br />DEED OF TRUST
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<br />THIS DEED OF TRUST ("5ecurity Instrument") is made on June 16, 2011. The grantor is MICHELLE M
<br />KOHLHOF, A SINGLE PERSON, whose address is 2427 PIONEER BLVD, GRAND ISLAND, Nebraska
<br />68801-7341 ("Bonower"). Borrower is not necessarily the same as the Person or Persons who sign the Note. The
<br />obligations of Borrowers who did not sign the Note are explained further in the section titled Successors and
<br />Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend R Baack,
<br />Attorney whose address is P.O. Boz 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home
<br />Federal Savings & Loan Association of Grand Island, which is organized and existing under the laws of the
<br />United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801
<br />("Lender"). MICHELLE M KOHLHOF owes Lender the principal sum of Twenty Thousand Seventy-nute
<br />and 50/100 Dollars (U.S. $20,079.50), which is evidenced by the note, consumer loan agreement, or similar
<br />writing dated the same date as this Security Instrument (the "Note"), which provides for 5ingle payments
<br />("Periodic Payments"), with the full debt, if not paid earlier, due and payable on October 17, 2011. 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 provisions of the section titled Protection of Lender's Rights in the
<br />Property; and (c) the performance of Borrower's covena.nts and agreements under this Security Instrument and the
<br />Note. For this purpose, Borrower, in consideration of the debt and the trust herein created, irrevocably grants and
<br />conveys to Trustee, in trust, with power of sale, the following described property located in the COUNTY of
<br />HALL, State of Nebraska:
<br />Address: 2427 PIONEER BLVD, GRAND ISLAND, Nebraska 68801-7341
<br />Legal Description: LOT FIVE (5), IN BLOCK E, IN PARKVIEW SUBDIVISION, IN THE CITY OF
<br />GRAND ISLAND, HALL COUNTY, 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 shall also be
<br />covered by this Security Instrument. 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 that the Property is unencumbered, except for encumbrances of record.
<br />Borrower warrants and will defend generally the title to the Properiy 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 acknowledges 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 />Instrument, or as otherwise required by 12 CFR 226.31. Borrower and Lender further aclaiowledge and agree that
<br />this Security Instrument will secure additional debt subject to 12 CFR 22632 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 covena.nt and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall prompfly 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 Tages 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 />yea.rly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b)
<br />yeazly 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 Borrower to Lender, in accordance with the provisions of the pazagraph tided Mortgage
<br />Insurance, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items."
<br />O 2004-2010 Compliance Syatems, Inc. EEO&CD6F - 2010.03.378
<br />Consumer Real Eatate - Secwity lustrument DL.2036 Page 1 of 6 www.compliancesyatems.com
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