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~e "" :-t\ ~..... ~- ~ ss... ~ ~ ~-l(\ ~.~ ~~~~ 'I' 'J ~~' ;)t- C: ~ ~ ~1 ~~r . ~ ~ ~1 ~...:..\,..; ~ S '-> ;',::,"' '.) 0 (f"; (';::"',,) '- C...;;I":' 0 ~~ ->l., ........ c: ::> '('\' ..L' Z -i :::J --8 -i rrl rn (\. ::=:0 -< C) (, '.~ ~:~' -~ 0 .......... <:) ""Tl O"\'- -C "1 ..." ~f.._ "'. 1'1 0 il"",. ~".... ~ n, ~, ',l :n ):,~ cn rrl ::3 r ;;<) 0 f: r ]:,;:.. (fl .......... (n 0 .......... ^ ::> ,......... .................. -..J (f' (f' ;0 nn e m :3:)-- -n m CiA c: n::l: ~~ z '" t:J ~ ncn ~:J: a N e e 0) (Sl W N CD ..... [Space above this line for recording data] DEED OF TRUST THIS DEED OF TRUST ("Security Instrument") is made on March Z 7 , 2006. The trustor is Kathryn Vandenberg, single person ("Borrower"). The trustee is First American Title Insurance Company ("Trustee"). The beneficiary is Nebraska Housing Developers Association, which is organized and existing under the laws of the statc of and whose address is 985 S. 27th Street; Suite 201; Lincoln, Nebraska 68510-3108 ('Lcnder"). Borrower owcs Lcndcr the principal sum of eighteen thousand, nine hundred and nine dollars and eighty one cents, ($18,909.81). This debt is evidenced by Borrower's note dated the same datc as this Sccurity Instrument ("Note"), that the full debt, if not paid earlier, is due and payable on sale, transfer or default. This Security Instrument secures to Lender: (a) thc repayment of the debt evidenced by the Note, with intcrest, and all rcnewal, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced undcr paragraph 7 to protect the sccurity 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: LOT 1, BLOCK 3, UNIVERSITY PLACE, CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA. which has the address of2705 West Capital Avenue, Grand Island, Nebraska 68803 ("Property Address"); TOGETHER WITH" all the improvements now or hereafter erected on the property, and all casements, appurtenances and fixtures now or hereafter a part of the property. All replacements and additions shall also bc covered by this Security Instrument. All of thc foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to grant and convey the Propcrty and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Propcrty against all claims and demands, subject to any encumbrances ofrccord. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. ~ ~ ~ -.?..0 ~-6