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202009639 After Recording Return To: Bank of America, N.A. 6860 Argonne St Unit A Denver, CO 80249 This document was prepared by BANK OF AMERICA, N.A. FHA Case No. 3212934267703 Doc ID 0652241489997105B DP NEBRASKA SUBORDINATE DEED OF TRUST THIS SUBORDINATE DEED OF TRUST ("Security Instrument") is given on November 18, 2020. The Trustor(s) is/are Brian G Ruzicka and Teresa Lynn Ruzicka Whose address 816 E SOUTH ST, GRAND ISLAND, NE 68801 ("Borrower"). This Security Instrument is given to the Secretary of Housing and Urban Development, and whose address is Department of Housing and Urban Development, Attention: C&L Service Corp./Morris-Griffin Corp., 2488 E 81st Street, Suite 700, Tulsa, OK 74137 ("Lender"). Borrower owes Lender the principal sum of $7,234.26. This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for the full debt, if not paid earlier, due and payable on October 1, 2040. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, and all renewals, extensions and modifications of the Note: (b) the payment of all other sums, with interest, advanced under Paragraph 2 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, warrant, grant and convey to the Lender, with the power of sale, the following described property located in HALL County, State of Nebraska: which has the address 816 E SOUTH ST, GRAND ISLAND, NE 68801 (See Exhibit A for Legal Description if applicable) ("Property Address") more particularly described as follows: FHA COVID-19 Partial Claim NEBRASKA - SUBORDINATE DEED OF TRUST HUD INSTRUMENT 1111111 IIIII IIIII INTI IIIII IIIII IIIA III 111I111111II 1 II 111111111111III II 1111111111 VIII II11I III VIII VIII 11111 VIII 1111111111IIII I III Order0D-37 )1804 Page 1 C3_2'5267_698255