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<br />THIS INSTRLTMENT PREPARED BY:
<br />'� Home Federal Savings & Loan Association of
<br />Grand Island
<br />�, 221 South Locust Street
<br />Grand Island, NE 68801
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<br />AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust Street
<br />Grand Island, NE 68801
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<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on September 17, 2011. The grantors aze THOMAS
<br />W DAVIS and HELEN M DAVIS, HU5BAND AND WITE, whose address is 203 E 22ND ST, GRAND
<br />ISLAND, Nebraska 68801-2457 ("Bonower"). Borrower is not necessarily the same as the Person or Persons who
<br />sign the Note. The obligations of Bonowers who did not sign the Note are explained fiu�ther in the section titled
<br />Successors and Assigns Bound; Joint and Several Liability; Accommodation 5igners. 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"). THOMAS W DAVIS and HELEN M DAVIS owe Lender the principal sum of Eight Thousand
<br />Ninety-four and 00/100 Dollars (U.S. $8,094.00), wluch is evidenced by the note, consumer loan agreement, or
<br />similar writing dated the same date as this Security Instrument (the "Note"), which provides for periodic payments
<br />("Periodic Payments"), with the full debt, if not paid earlier, due and payable on September 16, 2014. This
<br />Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all
<br />renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced to
<br />protect the security of this Security Instrument under the provisions of the section titled Protection of Lender's
<br />Rights in the Property; and (c) the performance of Bonower's covenants and agreements under this 5ecurity
<br />Instrument and the Note. For this purpose, Bor-�ower, 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 of Nebraska:
<br />Address: 203 E 22ND ST, GRAND ISLAND, Nebraska 68801-2457
<br />Legal Description: THE WEST 10.5 FEET OF LOT TEN (10) AND ALL OF LOT NINE (9),
<br />BLOCK ONE (1), I�IICKREHM SIXTH ADDITION TO THE CITY OF GRAND ISLAND, HALL
<br />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 Instcvment. All of the foregoing is referred to in this Security Insirument as the
<br />"Property."
<br />BORROWER COVENANTS that �orrower 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 wazrants 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. 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 this 5ecurity 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 Taxes 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 sum ("Funds") for: (a)
<br />yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Properly; (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 paragraph titled Mortgage
<br />� 2004-2011 Compliance Syatema, Inc. ADCD-AB13 - 2010L1.15.461
<br />Covsumer Real Estate - Security Instrument DL2036 Page t of 6 www.compliancesystems.com
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