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rrnn n r m > B N Return To: Myers Law Office P.O. Box 505 Cairo, NE 68824 TRUST DEED THIS DEED OF TRUST is made on January,2 , 2021. The Trustors are Brad Ryser and Jennifer Ryser, husband and wife, (hereinafter collectively "Borrower"). The Trustee is Denise D. Myers, of Myers Law Office, P.O. Box 505, Cairo, NE, Nebraska 68824, ("Trustee"). The beneficiaries are Richard E. Dubbs and Joann Dubbs, husband and wife, (Hereinafter collectively, "Lender"). Borrower owes Lender the principal sum of Sixty Four Thousand and 00/100 Dollars ($64,000.00). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for payment of principal, plus accrued interest in monthly payments. The Deed of Trust (sometimes referred to herein as "security instrument") secures to Lender: (a) the repayment of the debt evidenced by the Note, and all renewals, extensions and modifications; (b) the payment of all other sums advanced under paragraph 4 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in Hall County, Nebraska: The West Thirty (30) feet of the North One-half (N1/2) of Lot Five (5), and the North One-half of Lot Six (6), Block Sixteen (16) in the Original Town, now City, of Wood River, Hall County, Nebraska. TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances, rents, royalties, mineral, oil and gas rights and profits, water rights and stock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property". BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property and that the Property is unencumbered. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal; Prepayment and Late Charges. Borrower shall promptly pay when due the principal on the debt evidenced by the Note and any prepayment and late charges due under the Note. Prepayment of principal or any part thereof, shall not be allowed without the prior written consent of Lender. 2. Charges; Liens. Borrower shall pay all real estate taxes and assessments attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien or forfeiture of any part of the Property; or (c) secures from the holder of 1 Itrri M vp