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<br />THIS INSTRUMENT PREPARED BY: AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Associadon of Home Federal Savings & Loan Associatton of
<br />Grand Island Grand Island � D
<br />221 South Locust Street 221 South Locust Street
<br />GRAND ISLAND, NE 68801 GRAND ISLAND, NE 68801 3 ��
<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on November 1, 2011. The grantors are MARY
<br />JANE HINRICHSEN, whose address is 1831 N. KRUSE, GRAND ISLAND, Nebraska 68803 , and RAY L
<br />HINRICHSEN, R'IFE AND HUSBAND, whose address is 1831 N KRUSE, GRAND ISLAND, Nebraska
<br />68803-2645 ("Bonower"). Bonower is not necessarily the same as the Person or Persons who sign the Note. The
<br />obligations of Bonowers who did not sign the Note are explained fiuther in the section titled Successors and
<br />Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend R Baack,
<br />Attorney whose address is P.O. Box 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home
<br />Federal Savings & Loan Association of Grand Island, which is organized and existing under ths laws of the
<br />United States of America and whose address is 221 South Locust 5treet, Grand Island, Nebraska 68801
<br />("Lender"). MARY JANE HINRICHSEN owes Lender the principal sum of Sig Thousand Nine Hundred
<br />Sigty-five and 96/100 Dollars (U.S. $6,965.96), which is evidenced by the note, consumer loan agreement, or
<br />similar writing dated the same date as this Security Instrument (the "Note"), which provides for monthly payments
<br />("Periodic Payments"), with the full debt, if not paid eazlier, due and payable on October 31, 2015. Tlus Security
<br />Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals,
<br />extensions and modificatiotts of the Note; (b) the payment of all other sums, with interest, advanced to protect the
<br />security of this Security Instrument under the provisions of the section titled Protection of Lender's Rights in the
<br />Property; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the
<br />Note. For this purpose, Borrower, in consideration of the debt and the trust herein created, irtevocably grants and
<br />conveys to Trustee, in trust, with power of sale, the following described properly located in the COUNTY of
<br />HALL, State of Nebraska:
<br />Address: 1831 N. KRUSE, GRAND ISLAND, Nebraska 68803
<br />Legal Description: LOT FOUR (4), BLOCK FIFTEEN (1� IN 5CARFF'S ADDITION TO WEST
<br />LAWN IN 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 attd additions shall also be
<br />covered by this Security Instruznent. 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 Properiy is unencumbered, except for eucutubrances 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 />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 ordera (that have
<br />the effect of law) as weU as all applicable final, non-appealable judicial opinions.
<br />Funds for Tazes and Insurance. At Lender's request and subject to Applicable I.aw, Hortower 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 />yeazly taxes 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 property insurance
<br />premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance prenaiums, 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-8443 - 2010L1.15.461
<br />Consumer Real Eatate • Security Inshvmeut DL2036 Page 1 of 6 wavw.complieacesyatems.com
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