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<br />THIS INSTRiJMENT PREPARED BY:
<br />Home Federal5avings & Loan Association of
<br />Grand Island
<br />221 South Locust Street
<br />GRAND ISLAND, NE 6��01
<br />AFTER RECORDING RETUR.N TO:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust Street
<br />GRANID ISLAND, NE 68801
<br />(Space Above This Line For R�ording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on December 7, 2011. The grantors are DEBORAH
<br />POOL, WII�'E AND HUSBAND, and GARY L POOL, whose address is 3215 W. 16TH STREET, GRAND
<br />ISLAND, Nebraska 68803 ("Bonower"). Borrower is not necessarily the same as the Person or Persons who sign
<br />the Note. The obligations of Bonowers who did not sign the Note are explained further in the section titled
<br />Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend
<br />R Baack, Attorney whose address is P.O. Boz 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary
<br />is Home Federal Savings & Loan Association of Grand Island, which is organized aud existing under the laws
<br />of the United States of America and whose address is 221 South Locust Street, Grand Island, Nebraska 68801
<br />("Lender"). DEBORAH POOL and GARY L POOL owe Lender the principal sum of Fifty Thousand Ninety-
<br />three and 50/100 Dollars (U.S. $50,093.50), which is evidenced by the note, consumer loan agreement, or similar
<br />writing dated the same date as this Sectuity Instrument (the "Note"), which provides for Single payments
<br />("Periodic Payments"), with the full debt, if not paid earlier, due and payable on June 4, 2012. This Security
<br />Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewaLs,
<br />extensians and modifications of the Note; (b) the payment of all other sums, with interest, advanced to protect the
<br />security of this Security Instcvment 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 Seeurity Instrument and the
<br />Note. For this purpose, Borrower, in consideration of the debt and the trust herein created, iCrevocably grants and
<br />conveys to Trustee, in trust, with power of sale, the following described property located '1n the COUNTY of
<br />HALL, State of Nebraska:
<br />Address: 3215 W. 16TH STREET, GRAND ISLAND, Nebraska 68803
<br />Legal Description: LOT TWO (2), ISLAND ACRES NUMBER SIX (6), A REPLAT OF LOTS
<br />NINETEEN (19), AND TWENTY (20), ISLAND ACRES, CITY OF GRANp ISLAND, HALL
<br />COUNTY,NEBRASKA.
<br />TOGETHER WITH all the improvements now or hereafter erected on the properly, and a11 easements,
<br />appurtenances, and fixtures now or hereafter a part of the property. All replacements and additiona shall also be
<br />covered by this Security Instrument. All of the foregoing is referred to in this Securlty Instrument as the
<br />"Property."
<br />BORROWER COVEN.ANTS that Borrower is lawfully seised of the estate hereby couveyed and has the right to
<br />grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.
<br />Borrower warrants aud will defend generally the title to the Property against all claims aud dernands, subject to
<br />any encumbrances of record.
<br />Secured Indebtedness. The debt evidenced by the Note and which is secured by this Sacurity Iustrument is
<br />subject to the provisions of 12 CFR 226.32. Bonower aclmowledges that Borrower has received the disclosures
<br />prescribed by 12 CFR 22632 at least three business days prior to the execution of the Note and this Security
<br />Instrument, or as otherwise required by 12 CFR 226.31. 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 />Bonower 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.
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<br />Applicable Law. As used in this Security Instrument, the term "Applicable Law" shall mean all conlrolling
<br />applicable federal, state and local statutes, reguladons, ordinauces and administrative rules and orders (that have
<br />the effect of law) as well as all applicable final, non-appealable judicial opinions.
<br />� 2004-ZOl l Compliance Systema, Ipc. qDCD-75B4 - 2010L1.15.461
<br />Consumer Real Estate - Securiry Instrmuent DL2036 Page 1 of 6 �.�pp�jap�ye�.�
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