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<br />� THIS INSTRUMENT PREPARED BY:
<br />.� Home Federal Savings & Loan Association of
<br />� Grand Island
<br />221 South Locust Street
<br />Grand Island, NE 68801
<br />AFTER RECORDING RETURN TO:
<br />Home Federal5avings & Loan Association of
<br />Grand Island
<br />221 South Locust Street
<br />Grand Island, NE 68801
<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
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<br />THIS DEED OF TRUST ("Security Instrument") is made on September 21, 2011. The grantors are KEVIN W
<br />FRIES and DANA K FRIES, HUSBAND AND WIFE, whose address is 950 S KIMBALL, GRAND ISLAND,
<br />Nebraska 68801 ("Bonower"). Borrower is not necessarily the same as the Person or Persons who sign the Note.
<br />The 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. Box 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"). KEVIN W FRIES and DANA K FRIES owe Lender the principal sum of Seventeen Thousand
<br />Four Hundred and 50/100 Dollars (U.S. $17,400.50), which is evidenced by the note, consumer loan agreement,
<br />or similar writing dated the same date as this Security Instrument (the "Note"), which provides for periodic
<br />payments ("Periodic Payments"), with the full debt, if not paid earlier, due and payable on September 15, 2014.
<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 all other sums, with interest, advanced
<br />to 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 Borrower's covenants and agreements under this Security
<br />Instrument and the Note. For this purpose, Borrower, 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 properiy located in
<br />the COUNTY of HALL, State of Nebraska:
<br />Address: 950 S KIMBALL, GRAND I5LAND, Nebraska 68801
<br />Legal Description: LC1T FORTI'-TWO (42) HAWTHORNE PLACE IN THE CITY OF GRAND
<br />ISLAND, HALL COLTNTY, 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 Borrower is lawfully seised of the estate hereby conveyed and has the right to
<br />grant and convey the Properiy 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 />P�yment 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 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 Taxes 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 />yearly talces and assessments which may attain priority over this Security Insttument 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 insurance premiums. These items, are called "Escrow Items."
<br />� 2004-201 t Compliance Systems, Inc. ADCD-A65A - 2010LL I5.461
<br />Consumer Real Estate - Security InsUUment DL2036 Page ] of 6 www.compGancesystems.com
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