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This document was prepared by: GERALYN AYALA Wells Fargo Home Mortgage 201402250 210 Wildwood Parkway -5th Floor —MAC# W0151 -053 Birmingham, AL 35209 DEED OF TRUST This Deed of Trust ( "Security Instrument ") is effective March 19, 2014, among the Grantor, BRENT M. PHILBECK AND CLAUDIA V PHILBECK, HUSBAND AND WIFE, AS JOINT TENANTS AND NOT AS TENANTS IN COMMON (herein "borrower "), (herein "Trustee "), and the Beneficiary, The Secretary of Housing and Urban Development, whose address is 451 Seventh Street Southwest, Washington D.C., 20410 -8000 (herein "Lender "). Borrower, in consideration of the indebtedness herein recited and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in Hall County, NE: Which has the legal description of: See Attached Exhibit A Which has the Property Address of: 1829 W 11TH AVE GRAND ISLAND, NE 68803 Tax ID 400020742 TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances and rents (subject however to the rights and authorities given herein to Lender to collect and apply such rents), all of which shall be deemed to be and remain a part of the property covered by this Security Instrument; and all of the foregoing, together with said property (or the leasehold estate if this Security Instrument is on a leasehold) are hereinafter referred to as the "Property". To Secure to Lender the repayment of the indebtedness evidenced by Borrower's note dated March 19, 2014, and extensions and renewals thereof (herein "Note "), in the principal sum of Thirteen Thousand Two Hundred Ninety-Nine And 66/100 dollars ($13,29 .06), with the balance of the indebtedness, if not sooner paid, due and payable on 4/1/2044; the payment c all other sums advanced in accordance herewith to protect the security of this Security Instrument and the performance of the covenants and agreements of Borrower herein contained. Page 1 of 7 Initia . , P 111111111111 IIIIII 111111111111