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2012108 <br />the Property and Grantor will pay for the insurance on Lender's demand. Lender may demand <br />that Grantor pay for the insurance all at once, or Lender may add the insurance premiums to the <br />balance of the Secured Debts and charge interest on it at the rate that applies to the Secured <br />Debts. This insurance may include coverages not originally required of Grantor, may be written <br />by a company other than one Grantor would choose, and may be written at a higher rate than <br />Grantor could obtain if Grantor purchased the insurance. Grantor acknowledges and agrees <br />that Lender or one of Lender's affiliates may receive commissions on the purchase of this <br />insurance. <br />20. ESCROW FOR TAXES AND INSURANCE. Grantor will not be required to pay to Lender <br />funds for taxes and insurance in escrow. <br />21. SUCCESSOR TRUSTEE. Lender, at Lender's option, may from time to time remove Trustee <br />and appoint a successor without any other formality than the designation in writing. The <br />successor trustee, without conveyance of the Property, will succeed to all the title, power and <br />duties conferred upon Trustee by this Security Instrument and applicable law, including, without <br />limitation, the right to appoint a successor or substitute trustee at any time and from time to <br />time. <br />22. FIXTURE FILING. Grantor gives to Lender a security interest in all goods that Grantor owns <br />now or in the future and that are or will become fixtures related to the Property. <br />23. PERSONAL PROPERTY. Grantor gives to Lender a security interest in all personal property <br />located on or connected with the Property, including all farm products, inventory, equipment, <br />accounts, documents, instruments, chattel paper, general intangibles, and all other items of <br />personal property Grantor owns now or in the future and that are used or useful in the <br />construction, ownership, operation, management, or maintenance of the Property (all of which <br />shall also be included in the term Property). The term "personal property" specifically excludes <br />that property described as "household goods" secured in connection with a "consumer" loan as <br />those terms are defined in applicable federal regulations governing unfair and deceptive credit <br />practices. <br />24. APPLICABLE LAW. This Security Instrument is governed by the laws of Nebraska, the <br />United States of America, and to the extent required, by the laws of the jurisdiction where the <br />Property is located, except to the extent such state laws are pr et tt fy tertg aFfe . <br />25. JOINT AND INDIVIDUAL LIABILITY AND SUCCESSOF S. a ckl ' r ` r' s,.obltgat ons under <br />this Security Instrument are independent of the obligations of""ther6rentor. Under may <br />sue each Grantor individually or together with any other Grantor. Lender may release any part <br />of the Property and Grantor will still be obligated under this Security Instrument for the <br />remaining Property. Grantor agrees that Lender and any party to this Security Instrument may <br />extend, modify or make any change in the terms of this Security Instrument or any evidence of <br />debt without Grantor's consent. Such a change will not release Grantor from the terms of this <br />Security Instrument. The duties and benefits of this Security Instrument will bind and benefit <br />the successors and assigns of Lender and Grantor. <br />26. AMENDMENT, INTEGRATION AND SEVERABILITY. This Security Instrument may not be <br />amended or modified by oral agreement. No amendment or modification of this Security <br />Instrument is effective unless made in writing and executed by Grantor and Lender. This <br />Security Instrument and any other documents relating to the Secured Debts are the complete <br />and final expression of the agreement. If any provision of this Security Instrument is <br />unenforceable, then the unenforceable provision will be severed and the remaining provisions <br />will still be enforceable. <br />27. INTERPRETATION. Whenever used, the singular includes the plural and the plural includes <br />the singular. The section headings are for convenience only and are not to be used to interpret <br />or define the terms of this Security Instrument. <br />28. NOTICE, ADDITIONAL DOCUMENTS AND RECO *se required <br />by law, any notice will be given by delivering it or mailingyl lAy, ss s mai to the appropriate <br />party's address listed in the DATE AND PARTIES sect okit stvto•bartirthvit addl!!"lesignated in <br />writing. jlotice to one Grantor will be deemed to be notice to all Grantors. Grantor will inform <br />Lender in writing of any change in Grantor's name, address or other application information. <br />Grantor will provide Lender any other, correct and complete information Lender requests to <br />effectively mortgage or convey the Property. Grantor agrees to pay all expenses, charges and <br />taxes in connection with the preparation and recording of this Security Instrument. Grantor <br />agrees to sign, deliver, and file any additional documents or certifications that Lender may <br />consider necessary to perfect, continue, and preserve Grantor's obligations under this Security <br />Instrument and to confirm Lender's lien status on any Property, and Grantor agrees to pay all <br />expenses, charges and taxes in connection with the preparation and recording thereof. Time is <br />of the essence. <br />MICHAEL) VOSS <br />Nebraska Deed Of Trust Initials <br />NE/ 4LRUDICHA00000000000648044121412N Wolters Kluwer Financial Services © 1996, 2012 Bankers age 7 <br />Systeme"' <br />M✓ <br />