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<br />FORM H
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<br />NEBRASKA
<br />SECOND DEED OF TRUST
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<br />This Second Deed of Trust (this "Second Deed of Trust"), is made as of March 24, 2006, by and among Dustin T.
<br />Ruzicka and Nicole R. Ruzicka, Husband and Wife ("Borrower", hereinafter referred to as "Trustor"), whose mailing address is
<br />2316 Park Ave., Grand Island, NE 68803 ; U.S. Bank Trust Company, National Association, ("Trustee"), whose mailing
<br />address is III S.W. Fifth Avenue, Portland, Oregon 97204, and Nebraska Investment Finance Authority ("Beneficiary"), whose
<br />mailing address is 200 Commerce Court, 12300 Street, Lincoln, Nebraska 68508-1402.
<br />
<br />FOR VALUABLE CONSIDERATION, Trustor irrevocably transfers, conveys and assigns to Trustee, IN TRUST,
<br />WITH POWER OF SALE, for the benefit and security of Beneficiary, under and subject to the terms and conditions of this
<br />Second Deed of Trust, the real property, legally described as follows (the "Property"):
<br />
<br />Lot Nine (9), in Block Eleven (II), in College Addition to West Lawn, City of Grand Island, Hall County, Nebraska.
<br />
<br />TOGETHER WITH, all rents, profits, royalties, income and other benefits derived from the Property (collectively, the
<br />"rents"), all leases or subleases covering the Property or any portion thereof now or hereafter existing or entered into, and all
<br />right, title and interest of Trustor thereunder, all right, title and interest of Trustor in and to any greater estate in the Property
<br />owned or hereafter acquired, all interests, estate or other claims, both in law and in equity, which Trustor now has or may
<br />hereafter acquire in the Property, all easements, rights-of.way, tenements, hereditaments and appurtenances thereof and thereto,
<br />all water rights, all right, title and interest of Trustor, now owned or hereafter acquired, in and to any land, lying within the
<br />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
<br />used in connection with the Property, and any and all buildings, fixtures and improvements now or hereafter erected thereon (the
<br />"Improvements"), and all the estate, interest, right, title or any claim or demand which Trustor now has or may hereafter acquire
<br />in the Property, and any and all awards made for the taking by eminent domain, or by any proceeding or purchase in lieu thereot~
<br />of the whole or any part of the Trust Estate, including without limitation any awards resulting from a change of grade of streets
<br />and awards tor severance damages.
<br />
<br />For the Purpose of Securing:
<br />
<br />The Property and the entire estate and interest conveyed to the Trustee are referred to collectively as the "Trust Estate".
<br />
<br />A. Payment of indebtedness evidenced by any promissory note of Trustor in favor of Beneficiary; and
<br />
<br />B. Payment of all sums advanced by Beneficiary to protect the Trust Estate, with interest thereon at the rate of
<br />sixteen percent (16%) per annum.
<br />
<br />The indebtedness described in paragraphs A and B above is referred to as the "Indebtedness."
<br />
<br />This Second Deed of Trust, any promissory note of Trustor in favor of Beneficiary and any other instrument given to
<br />evidence or further secure the payment and performance of any obligation secured hereby are referred to collectively as the
<br />"Loan Instruments".
<br />
<br />NII'A MRB/fiorm H
<br />(IO/OS)
<br />
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