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s <br />..� <br />� <br />� <br />N - <br />�� <br />e - <br />.� ��� <br />� - <br />W <br />� - <br />� <br />� <br />�� <br />� <br />.�� <br />� <br />�'1 � <br />v <br />� � UO <br />� � S <br />� <br />� � <br />� , <br />�� <br />� <br />C <br />�� <br />r �0 <br />c-; � ;-- <br />0 <br />� ° <br />m -� <br />c� <br />� <br />� <br />�, <br />� <br />° ��`-' <br />v � <br />� <br />� <br />0 <br />� <br />� • <br />� <br />�.-. , <br />0 <br />� <br />� <br />� <br />N <br />- �o <br />3 <br />� <br />rv•, <br />cn <br />t� <br />�� �� <br />e� —� <br />C D <br />z rn, <br />--� <br />� O <br />o � <br />� z <br />� r*3 <br />n� m <br />�� <br />r � <br />� <br />� <br />a <br />�� <br />� <br />� <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. <br />Q <br />�1J <br />� <br />t-� <br />F--� <br />0 <br />-.� <br />cr� <br />c� <br />..� <br />u <br />�� <br />�,a: <br />�... <br />. �; <br />� � <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 <br />