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<br />DEED OF TRUST
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<br />THIS DEED OF TRUST ("Security Instrument") is made on August 24, 2011. The grantors are LOREN L
<br />DENNHARDT and DENISE K DENNHARDT, HUSBAND AND WIF'E, whose address is 2309 E US HWY 30,
<br />GRAND ISLAND, Nebraska 68801-8323 ("Borrower"). Bonower is not necessarily the same as the Person or
<br />Persons who sign the Note. The obligations of Borrowers who did not sign the Note are explained further in the �`�
<br />section titled Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The �S
<br />irustee is Arend R Baack, Attorney whose address is P.O. Bog 790, Grand Island, Nebraska 68802 ("Trustee").
<br />The beneficiai`y is Home Federal Savings & Loan Association of Grand Island, which is organized and existing
<br />under the laws of the United States of America and whose address is 221 South Locust Street, Grand Island,
<br />Nebraska 68801 ("Lender"). LOREN L DENNHARDT and DENISE K DENNHARDT owe Lender the
<br />principal sum of Four Thonsand Five Hundred Eighty-four and 50/100 Dollars (LT.S. $4,584.50), which is
<br />evidenced by the note, consumer loan, agreement, or similaz writing dated the same date as this Security Instrument
<br />(the "Note"), which provides for periodic payments ("Periodic Payments"), with the fu11 debt, if not paid eazlier,
<br />due and payable on September 1, 2012. This Security Instrument secures to Lender: (a) the repayment of the debt
<br />evidenced by the Note, with interest, and a11 renewals, extensions and modifications of the Note; (b) the payment
<br />of all other sums, with interest, advanced to protect the security of this Security Instrument under the provisions of
<br />the section titled Protection of Lender's Rights in the Property; and (c) the performance of Bonower's
<br />covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower, in
<br />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: 2309 E US HWY 30, GRANll ISLAND, Nebraska 68801-8323
<br />Legal Description: SEE LEGAL DESCRIPTION EXHIBIT "A" HERETO ATTACHED
<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 />Bonower warrants and will defend generally the title to the Property against all claims and demands, subject to
<br />any encumbrances of record.
<br />Bonower 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 a.nd 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 5ecurity Insirument, the term "Applicable Law" sha11 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 Law, Bonower shall pay to
<br />Lender on the day periodic payments aze due under the Note, until the Note is paid in full, a sum ("Funds") for: (a)
<br />yeazly 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 Borrower to Lender, in accordance with the provisions of the paragraph titled Mortgage
<br />Insurance, in lieu of the payment of mortgage insutance 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 I.aw that applies to the Funds sets a lesser amoun� If so, Lender may, at any time,
<br />collect and hold Funds in an amount not to exceed the lesser amount. Lender may esrimate the amount of Funds
<br />due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in
<br />accordance with Applicable Law. •
<br />� 20042010 Compliance Systema, Inc. EEO&58B6 - 2010.03378
<br />Consumer Real Eatate - Security Iffihvment DL2036 Pege I of 6 www.compliencesystems.com
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