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<br />THIS INSTRUNIENT PREPARED BY:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust Street
<br />GRAND ISLAND, NE 68801
<br />AFTER RECORDING RETURN TO:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust Street
<br />GRAND I5LAND, NE 68801
<br />(Space Above This Line For Recording Data)
<br />NMLS COMPANY IDENTIFIER: 446443
<br />DEED OF TRUST
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<br />THIS DEED OF TRUST ("Security Instrument") is made on July 23, 2012. The gantor is RICHARD POTTER,
<br />A SINGLE PERSON, whose address is 402 THEBE ST, Cairo, Nebraska 68824-0307 ("Borrower"). Bonower
<br />is not necessarily the same as the Person or Persons who sign the Note. The obligations of Borrowers who did not
<br />sign the Note are explained further in the section titled Successors and Assigns Bound; Joint and Several
<br />Liability; Accommodation Signers. The trustee is Arend R Baack, Attorney whose address is P.O. Box 790,
<br />Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings & Loan Association of
<br />Grand Island, which is organized and existing under the laws of the United States of America and whose address
<br />is 221 5outh Locust Street, Grand Island, Nebraska 68801 ("Lender"). RICHARD POTTER owes Lender the
<br />principal sum of Eight Thousand Three Hundred Thirteen and 98/100 Dollars (U.S. $8,313.98), which is
<br />evidenced by the note, consumer loan agreement, or similar writing dated the same date as this Security Instrument
<br />(the "Note"), which provides for monthly payments ("Periodic Payments"), with the full debt, if not paid earlier,
<br />due on February 15, 2015. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by
<br />the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other
<br />sums, with interest, advanced to protect the security of this 5ecurity Instrument under the provisions of the section
<br />titled Protection of Lender's Rights in the Property; and (c) the performance of Borrower's covenants and
<br />agreements under this Security Instrument and the Note. For this purpose, Borrower, in consideration of the debt
<br />and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following
<br />described property located in the COIJNTY of HALL, State of Nebraska:
<br />Address: 402 THEBE ST, Cairo, Nebraska 68824-0307
<br />Legal Description: LOT ONE (1), IN BLOCK SEVENTEEN (1'n, IN THE ORIGINAL TOWN OF
<br />CAIItO, 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 5ecurity Instivment 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 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 />Borrower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall prompdy 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 I,aw" shall mean all controlling
<br />applicable federal, state and local statutes, regulations, ordinances and adminisirative rules and orders (that have
<br />the effect of law) as well as all applicable final, non-appealable judicial opinions.
<br />Funds for Taxes 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 payments or ground rents on the Property, if any; (c) yearly hazard or property insurance
<br />premiums; (d) yeazly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and ( fl
<br />any sums payable by Bonower to Lender, in accordance with the provisions of the pazagraph titled Mortgage
<br />� 2004-201 I Compliaece Systems. Inc. 9BAD-4622 - 2011 L2.0.485
<br />Consumer Real Estare • Suurity Instrument DL2036 Pege I of 6 www.compliancesystems.com
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