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THIS DEED OF TRUST ("Security Instrument") is made onMarch 02, 2007 JOHN R DUBBS, A SINGLE PERSON . The trustor is ("Borrower"). The trustee is TierOne Bank ("Trustee"). The beneficiary is TierOne Bank which is organized and existing under the laws of the Uni ted S ta tes of America , and whose address is 1235 'N' St / PO Box 83009 LINCOLN, NE 68501 ("Lender"). Borrower owes Lender the prim.:ipal sum of TWENTY ONE THOUSAND EIGHT HUNDRED EIGHTY FIVE AND 12/100 Dollars (U.S. $21,885.12 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on March 5, 2012 This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 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: LOT NINETEEN (19), WEST HEIGHTS SECOND ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA which has the address of 516 WEST AVE GRAND ISLAND [City], Nebraska 68803 NEBRASKA-Single Family-FNMA/FHLMC UNIFORM INSTRUMENT Form 3028 9/90 . -GR(NE) 192121.06 Amended 5/91 (Al VMP MORTGAGE FORMS - (800)521- 7291 ,~D Page 1 of 6 Initials:' ~ [Street] [Zip Code] ("Property Address");