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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
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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
<br />(Space Above This Line For R�ording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Insirument") is made on September 22, 2011. The grantor is ARDITH C
<br />MAY, A Single Person, whose address is 2530 N WEBB ROAD, GRAND ISLAND, Nebraska 68803
<br />("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the Note. The obligations of
<br />Borrowers who did not sign the Note are explained fiuther in the section titled Successors and Assigns Bound;
<br />Joint and Several Liability; Accommodation Signers. The irustee is Arend R. Baack, Attorney whose address
<br />is P.O. Bos 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal 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 South Locust 5treet, Grand Island, Nebraska 68801 ("I,ender"). ARDITH C
<br />MAY owes Lender the principal sum of Fifteen Thousand Ninety-three and 50/100 pollars (LT.S. $15,093.50),
<br />which is evidenced by the note, consumer loan agreement, or similar writing dated the satue date as this Security
<br />Instrument (the "Note"), which provides for Single payments ("Periodic Paymettts"), with the full debt, if not paid
<br />earlier, due and payable on December 21, 2011. This Security Instrument secures to Lauder: (a) the repayment of
<br />the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the
<br />payment of all other sums, with interest, advanced to protect the security of this Secutity Instnunent under the
<br />provisions of the section titled Protection of Lender's Rights in the Property; and (c) the performance of
<br />Borrower's covenants and agreements under this 5ecurity 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 properiy located in the County of Hall, State of Nebraska:
<br />Address: 2530 N WEBB ROAD, GRAND ISLAND, Nebraska 68803
<br />Legal Description: Part of the South East Quarter of Section 1 Township 11 Range 10 West of the 6th
<br />Prime Meridian in Hall County, Nebraska.
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
<br />appurtena.nces, and fixtures now or hereafter a part of the property. All replacements and additions shall also be
<br />covered by this Security Insirument. 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 Properiy and that the Property is unencumbered, except for eucutnbrances of record.
<br />Borrower warrants attd will defend generally the title to the Property against all claims �d demands, subject to
<br />any encumbrances of record.
<br />Secured Indebtedness. Tbe debt evidenced by the Note and which is secured by this Security Instrument is
<br />subject to the provisions of 12 CFR 226.32. Bonower acknowledges that Borrower Y1as recelved the disclosures
<br />prescribed by 12 CFR 226.32 at least three business days prior to the executiott of tbe Note and this Security
<br />Instrument, or as otherwise required by 12 CFR 226.31. Borrower and Lender furkhar acknowledge and agree that
<br />this Security Instrwnent will secure additional debt subject to 12 CFR 22632 only 1f I.ander satisfies the necessary
<br />requirements imposed on such debt imposed by 12 CFR 226.32 and Applicable Law.
<br />Borrower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Borrowar sh�ll prouiptly 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.
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<br />0 2004-2011 Compliaacc Systems, lac. ADCD-B7FD - 2010L1.15.461
<br />Coasumcr Real Estate - Sec�ttity Insuume¢t pL2036 Page 1 of 6 www.compGaacesyatema.com
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