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<br />THI5 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 Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust Street
<br />Grand Island, NE 68801
<br />(Space Above This Line For Re�ording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on September 22, 2011. The grantors are JERAI.D
<br />HIRSCHMAN and PATRICIA A HIRSCHMAN, F/K/A PATRICIA A. R07.MiARr.I{, Husband and Wife,
<br />whose address is 2315 GATEWAY AVE, GRAND ISLAND, Nebraska 68803 ("Borrower"). Borrower is not
<br />necessarily the same as the Person or Persons who sign the Note. The obligations of Borrowers who did not sign
<br />the Note are explained fiuther in the section titled Successors and Assigns Bound; Joint and Several Liability;
<br />Accommodation Signers. The trustee is Arend R. Baack, Attorney whose address is P.O. Box 790, Grand
<br />Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan Association of Grand
<br />Island, which is organized and existing under the laws of the United States of America and whose address is 221
<br />South Locust Street, Grand Island, Nebraska 68801 ("Lender"). JERALD HIRSCHMAN and PATRICIA A
<br />HII2SCHMAN owe Lender the principal sum of Eight Thousand One Hundred Ninety-nine and 00/100
<br />Dollars (LT.S. $8,199.00), which is evidenced by the note, consumer loan agreement, or similar writing dated the
<br />same date as this Security Instrument (the "Note"), which provides for periodic payments ("Periodic Payments"),
<br />with the full debt, if not paid earlier, due and payable on October 15, 2014. This Security Instrument secures to
<br />Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and
<br />modifications of the Note; (b) the payment of all other sums, with interest, advanced to protect the security of this
<br />Security Instrument under the provisions of the section titled Protection of Lender's Rights in the Property; and
<br />(c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this
<br />purpose, Bonower, in considerarion of the debt and the trust herein created, irrevocably grants and conveys to
<br />Trustee, in trust, with power of sale, the following described property located in the County of Hall, State of
<br />Nebraska:
<br />Address: 2315 GATEWAY AVE, GRAND ISLAND, Nebraska 68803
<br />Legal Description: LOT THIRTEEN (13), IN BLOCK THREE (3) IN LE HEIGHTS SECOND
<br />SUBDIVISION IN THE CITY OF GRAND ISLAND, HALL 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 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 Property and that the Property 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 />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 />Appflcable Law. As used in this Security Instrument, the term "Applicable Law" shall mean all controlling
<br />applicable federal, state and local statutes, regularions, 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 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 taaces 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 properiy 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 Systems, Inc. ADCD-SSF7 - 2010L1.15.461
<br />Consumer Real Estate • Security Iqstrument AL2036 Page 1 of 6 www.complimcesyatems.com
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