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<br />DEED OF TRUST
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<br />THIS DEED OF TRU5T ("Security Instrument") is made on July 27, 2011. The grantor is MTCHAEL R PIPES,
<br />A SINGLE PERSON, whose address is 309 S. PLUM STREET, GRAND ISLAND, Nebraska 68801
<br />("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the Note. The obligations of
<br />Bonowers who did not sign the Note are explained further in the section titled 5uccessors and Assigns Bound;
<br />Joint and Several Liability; Accommodation Signers. The trustee is Arend R. Baack, Attorney whose address
<br />is P.O. Box 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Ho�e �ederal Savings &
<br />Loan Association of Grand Island, which is organized and existing under the laws of the United States of
<br />America and whose address is 221 5outh Locust Street, Grand Island, Nebraska 68801 ("Le�der"). MICHAEL
<br />R PIPE5 owes Lender the principal sum of Eight Thousand Two Hundred Twenty-seven and 68/100 Dollars
<br />(LJ.S. $8,227.68), 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 periodic payments ("Periodic Payments"), with the full
<br />debt, if not paid earlier, due and payable an July 26, 2015. This Security Instrument secures to Lender: (a) the
<br />repaytnent of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the
<br />Note; (b) the payment of all other sums, with interest, advanced to protect the security of this Security Instrument
<br />under the provisions of the section titled Protection of Lender's Rights in the Property; and (c) the performance
<br />of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower,
<br />in consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with
<br />power of sale, the following described property located in the COUNTY of HALL, State of Nebraska:
<br />Address: 309 S. PLUM STRGET, GRAND ISLAND, Nebraska 68801
<br />Legal Description: LOT THIItTEEN (13), IN BLOCK ONE (1), OF KOEHLER PLACE, AN
<br />ADDITION OT THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA.
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and a11 easements,
<br />appurtenances, and fixhues 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 ha.s the right to
<br />grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.
<br />Borrower wanants and will defend generally the title to the Property against all clauns 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 t1�is Security Instrument, the term "Applicable Law" shall mean all conCrolling
<br />applicable federal, state and local sta,tutes, 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 Iusurance. 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 />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 Properly, if any; (c) yearly hazard or properly instuance
<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 rime, collect and hold Funds in an amount not to exceed the maacimutn 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 Ttems or otherwise in
<br />accordance with Applicable Law.
<br />� 2004-ZO10 Compliance Systems, Inc. EEOB-FBBC - 2010.03.378
<br />Cousumer Real Estate - Securiry Instrument DI.2036 Page 1 of 6
<br />www.compGaacwgYetems.com
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