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200301324 NEBRASKA SECOND DEED OF TRUST (HBA LOAN) This Second Deed of "1'mst (this "Second Deed of Trust "), is made as of January 31, 2003 by and among Felicia A Melgoza ( "Tmstor "), whose mailing address is 921 West 8th Street, Grand Island, NE 68801; Commercial Federal Bank, A Federal Savings Bank ( "Trustee'), whose mailing address is PO Box 1103 Omaha, NE 68101 -1105; and Nebraska Investment Finance Authority ( "Beneficiary"), whose mailing address is 200 Commerce Court, 1230 O Street, Lincoln, Nebraska 68508 -1402. FOR VALUABLE CONSIDERATION, Truster irrevocably transfers, conveys and assigns to Trustee, IN TRUST, WITH POWER OF SALE, for the benefit and security of Beneficiary, under and subject to the terms and conditions of this Second Deed of'Irust, the real property, legally described on Exhibit A attached hereto and incorporated herein by reference (the "Property "); and TOGETHER WITH, all rents, profits, royalties, income and other benefits derived from the Property (collectively, the "rents "), all leases or subleases covering the Property or any portion thereof now or hereafter existing or entered into, and all right, title and interest of Truster thereunder, all right, title and interest of Truster in and to any greater estate in the Property owned or hereafter acquired, all interests, estate or other claims, both in law and in equity, which Tmstor now has or may hereafter acquire in the Property, all easements, rights -of -way, tenements, hereditaments and appurtenances thereof and thereto, all water rights, all right, title and interest of Truster, now owned or hereafter acquired, in and to any land, lying within the right -of -way of any street or highway adjoining the Property, and any and all alleys and strips and gores of land adjacent to or used in connection with the Property, and any and all buildings, fixtures and improvements now or hereafter erected thereon (the "Improvements "), and all the estate, interest, right, title or any claim or demand which Toaster now has or may hereafter acquire in the Property, and any and all awards made for the taking by eminent domain, or by any proceeding or purchase in lieu thereof, of the whole or any part of the Trust Estate, including without limitation any awards resulting from a change or grade of streets and awards for severance damages. The Property and die entire estate and interest conveyed to the Trustee are referred to collectively as the "Trust Estate ". For the Purpose of Securing; A. Payment of indebtedness evidenced by any promissory note of Tmstor in favor of Beneficiary; and B. Payment of all sums advanced by Beneficiary to protect the Trust Estate, with interest thereon at the rate of sixteen percent (16 " %) per annum. The indebtedness described in paragraphs A and B above is referred to as the "Indebtedness." This Second Deed of'1'mst, any promissory note of Truster in favor of Beneficiary and any other instmment given to evidence or further secure the payment and performance of any obligation secured hereby are referred to collectively as the "Loan Instmments'. Truster covenants that (1) Truster holds title to the Trust Estate and has lawful authority to encumber the Trust Estate, (it) the Trust Estate is free and clear of all liens and encumbrances except for easements, restrictions and covenants of record and the Deed of Trust from Toaster encumbering the Property dated on or about the date hereof (the "First Deed of Trust "), and (iii) Truster will defend the Trust Estate against the lawful claims of any person. '1'o Protect the Security of this Second Deed of Trust Payment m(Indebtedness. Tmstor shall pay when due the principal of, turd the interest on, the Indebtedness and all other sinus as provided in the Loan Instruments. Taxes. Truster shall pay each installment of all taxes and special assessments of every kind, now or hereafter levied against the Trust Estate or any part thereof before delinquency, without notice or demand.