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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 Reconding Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on October 18, 2011. The grantors are THOMAS P
<br />KRUGER, A/KIA/ TOM KRUGER AND RONDA K. KItUGER, AS HUSBAND AND WIFE, whose address
<br />is 39Z3 DOVER CT, GRAND ISLAND, Nebraska 68803-6008 , and KENT B MANN, AND CYNTHIA 5.
<br />MANN, AS HUSBAND AND WIFE, whose address is 1603 ZOLA CT, 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 further in the section titled Successors and Assigns Bound;
<br />Joint and Several Liability; Accommodation 5igners. The trustee is Arend R. Baack, Attorney whose address
<br />is P.O. Boz 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 Street, Grand Island, Nebraska 68801 ("I.ender"). THOMAS P
<br />KRUGER and KENT B MANN owe Lender the principal sum of Twenty Thousand Ninety-three and 50/100
<br />Dollars (U.S. $20,093.50), 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 16, 2016. 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, Borrower, in consideration 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: 818 WEST ST, Wood River, Nebraska 68883
<br />Legal Description: LOT ONE (1), BLOCK TWENT'Y SEVEN (2�, ORIGINAL TOWN OF WOOD
<br />RIVER, HALL COUNTY, NEBRASKA
<br />TOGETHER WITH all the improvements now or hereafter erected on the properly, 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 refened 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 Properiy is unencumberecl, except for encumbrances of record.
<br />Borrower warrants and will defend generally the title to the Properiy against all claims and demands, subject to
<br />any enctunbrances of record.
<br />Borrower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Bonower 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 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 a71 applicable final, non-appealable judicial opinions.
<br />Funds for Tazes 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 taJCes 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 properly insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (fl
<br />� 2004-20I 1 Compliance Systems, Inc. ADCD-.F3E9 - 2010L1.15.461
<br />Consumer Rwl Estate - Security Instrument DL2036 Page 1 of 6 www.compliancesystems.com
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