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<br />THIS INSTRUMENT PREPARED BY: AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of Home Federal5avings & Loan Association of
<br />Grand Island Grand Island
<br />221 South Locust Street 221 South Locust Street
<br />GRAND ISLAND, NE 68801 GRAND ISLAND, NE 68801 ��
<br />.
<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on November 16, 2011. The grantors are DONALD D
<br />BRUNZELL and CYNTHIA R BRUNZELL, HUSBAND AND WII� E, whose address is 1708 N GRAND
<br />ISLAND AVENUE, GRAND ISLAND, Nebraska 68803 ("Bonower"). Borrower is not necessarily the same as
<br />the Person or Persons who sign the Note. The obligations of Bonowers who did not sign the Note are explained
<br />further in the section ritled Successors and Assigns Bound; Joint and Several Liability; Accommodation
<br />Signers. The trustee is Arend R. Baack, Attorney whose address is P.O. Bog 790, Grand Island, Nebraska
<br />68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan Association oY Grand Island, which is
<br />organized and existing under the laws of the United States of America and whose address is 221 South Locust
<br />Street, Grand Island, Nebraska 68801 ("Lender"). DONALD D BRUNZELL and CYNTHIA R BRUNZELL
<br />owe Lender the principal sum of Ten Thousand Eight Hundred Ninety-four and 00/100 Dollars (U.S.
<br />$10,894.00), which is evidenced by the note, consumer loan agreement, or similar writi.ng dated the same date as
<br />this Security Instrument (the "Note"), which provides for periodic payments ("Periodic Payments"), with the full
<br />debt, if not paid earlier, due and payable on November 16, 2014. This Security Instrument secures to Lender: (a)
<br />the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of
<br />the Note; (b) the payment of all other sums, with interest, advanced to protect the security of this Security
<br />Instrument under the provisions of the section titled Protection of Lender's Rights in tbe Property; and (c) the
<br />performance of Bonower's covenants and agreements under this Security Instrument alid 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 properly located in the COUNTY of I3ALL, State of
<br />Nebraska:
<br />Address: 1708 N GRAND I5LAND AVENUE, GRAND ISLAND, Nebraska 68803
<br />Legal Descriptiott: LOT EIGHTY SIZ (86) AND THE NORTH SIZ (6) FEET OF LOT EIGHTY
<br />SEVEN (8� IN WEST LAWN, 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 ttus Security Instrument. All of the foregoing is referred to in this Security Instrumument 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 Property and that the Property is unencumbered, except for eucumbrattces of record.
<br />Borrower warrants and will defend generally the title to the Property against all claims and dema,uds, 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 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, 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 taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b)
<br />yearly leasehold paytnents or ground rents on the Property, if any; (c) yeazly hazard or property insurance
<br />premiums; (d) yeazly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (�
<br />any sums payable by Borrower to Lender, in accordance with the provisions of the patagraph titled Mortgage
<br />� 2004-2011 Compliance Systems, Inc. ADCD-41AA - 201OL1.15.461
<br />Conswaer Real Eatate - Securiry Iuswment DL2036 Page 1 of 6 www.compliancesya[ems.com
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