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<br />
<br />DEED OF TRUST
<br />
<br />THIS DEED OF TRUST is made on February 26, 2008
<br />
<br />The Trustors are Jacqueline D. Brown, also known as Borrowers.
<br />
<br />The Trustee is the Wesley D. Nespor, Grand Island City Attorney
<br />
<br />The Beneficiary is City of Grand Island, also known as Lender.
<br />
<br />Beneficiary's address is PO Box 1968, Grand Island, NE 68802~1968.
<br />
<br />Borrowers irrevocably convey to Trustee, in Trust, with power of sale, the following:
<br />
<br />Lot 5, Block 4, in Koehler Place, an addition to the City of Grand Island, Hall County, Nebraska
<br />
<br />together with all the rents and profits therefrom and subject to easements and restrictions of record, if any.
<br />
<br />Borrowers owe Lender up to $1,568.91, evidenced by Borrowers' Note of even date, payable according to
<br />the terms thereof.
<br />
<br />This Security Instrument secures to Lender the Debt evidenced by said Note, the payment of all other sums,
<br />with interest, advanced under the provisions hereafter to protect the security and the performancy of Borrowers'
<br />covenants and agreements.
<br />
<br />Borrowers covenant that Borrowers are lawfully seized of such real estate and have the legal power and
<br />lawful authority to convey the same and warrant and will defend title to the real estate against the lawful claims of all
<br />persons.
<br />
<br />BORROWERS AND LENDER AGREE AS FOLLOWS:
<br />
<br />1. Borrowers shall pay when due, the principal and interest as provided in said Note.
<br />
<br />2. All payments received by Lender shall be first applied to advances which may have been made by
<br />Lender and then to interest due and last to principal due.
<br />
<br />3. Borrowers shall pay all general real estate taxes and special assessments against the property before
<br />the same become delinquent.
<br />
<br />4. If Lender determines that any part of the property is subject to a lien, which is or may attain priority over
<br />this security instrument, Lender may give Borrowers a notice identifying the lien and Borrowers shall satisfy the lien
<br />within ten (10) days.
<br />
<br />5. Borrowers shall keep the improvements on said premises insured against loss by fire and hazards
<br />included within the term "extended coverage" for their insurable value and policies for the same shall include a
<br />standard mortgage clause showing Lender herein. In event of loss, Lender may make proof of loss if not promptly
<br />made by Borrowers. Insurance proceeds shall be applied to restoration or repair of the property damaged, unless
<br />both parties otherwise agree, except if restoration or repair is not economically feasible or Lender's security is not
<br />lessened, otherwise said proceeds shall be paid m the debt herein, whether or not then due. Lender shall be listed
<br />on such insurance policy as "Loss Payee".
<br />
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