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<br />THIS INSTRUMENT PREPARED BY: AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of Home Federal Savings & Loan Association of
<br />Grand Island Grand Island
<br />221 South Locust 5treet 221 Soath Locust Str@et
<br />Grand Island, NE 68801 Grand Island, NE 68801
<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on September 15, 2011. The grantors are BRANDON
<br />L PACKER and ALYCIA F PACKER, Husband and Wife, whose address is 2110 INDEPENDENCE AVE,
<br />GRAND ISLAND, Nebraska 68803 ("Borrower"). Bonower is not necessarily the same as the Person or Persons
<br />who sign the Note. The obligations of Borrowers who did not sign the Note are explained further in the section
<br />titled Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is
<br />Arend R. Baack, Attorney whose address is P.O. Box 790, Grand Island, Nebraska 68802 ("Trustee"). The
<br />beneficiary 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"). BRANDON L PACKER and ALYCIA F PACKER owe Lender the principal sum
<br />of Forty-five Thousand Five Hundred Eighty-one and 07/100 Dollars (U.S. $45,581.07), which is evidenced by
<br />the note, consumer loan agreement, or similar writing dated the same date as this Security Instrument (the "Note"),
<br />which provides for periodic payments ("Periodic Payments"), with the full debt, if not paid earlier, due and
<br />payable on September 15, 2020. This Security Instrument secures to Lender: (a) the repayment of the debt
<br />evidenced by the Note, with interest, and all 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 Borrower'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: 2110 INDEPENDENCE AVE, GRAND ISLAND, Nebraska 68803
<br />Legal Description: LOT THIRTY-FNE (35), LE HEIGHTS FOURTH 5UBDIVISION, IN THE
<br />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 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 />Secured Indebtedness. The debt evidenced by the Note and which is secured by this Security Insmtment is
<br />subject to the provisions of 12 CFR 226.32. Borrower acknowledges that Borrower has received the disclosures
<br />prescribed by 12 CFR 226.32 at least three business days prior to the execution of the Note and this Security
<br />Instrument, or as otherwise required by 12 CFR 22631. Borrower and Lender further acknowledge and agree that
<br />this Security Instrument will secure additional debt subject to 12 CFR 226.32 only if Lender 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. 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 fmal, non-appealable judicial opinions.
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<br />� 2004-2011 CompGance Systems, Inc. ADCD-48D0 - 2010L 1.15.46I
<br />Consumer Real Estate - Security ivstrument DL2036 Page I of 6 w�vw.compliencesystems.com
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