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WHEN RECORDED MAIL TO:
<br />Cornerstone Bank
<br />Hildreth Facility
<br />P.O. Box 127
<br />133 Commercial Ave
<br />Hildreth, NE 68947
<br />202202997
<br />FOR RECORDER'S USE ONLY
<br />DEED OF TRUST
<br />THIS DEED OF TRUST is dated April 14, 2022, among Michael A Panowicz, whose address is
<br />10288 W White Cloud Rd. Cairo, NE 68824-9760 and Patricia M Panowicz, whose address is
<br />10288 W White Cloud Rd, Cairo, NE 68824-9760; Husband and Wife ("Trustor"); Cornerstone
<br />Bank, whose address is Hildreth Facility, P.O. Box 127, 133 Commercial Ave, Hildreth, NE
<br />68947 (referred to below sometimes as "Lender" and sometimes as "Beneficiary"); and
<br />CORNERSTONE BANK, whose address is 529 LINCOLN AVENUE, YORK, NE 68467 (referred
<br />to below as "Trustee").
<br />CONVEYANCE AND GRANT. For valuable consideration, Trustor conveys to Trustee in trust, WITH POWER OF SALE,
<br />for the benefit of Lender as Beneficiary, all of Trustor's right, title, and interest in and to the following described real
<br />property, together with all existing or subsequently erected or affixed buildings, improvements and fixtures; all
<br />easements, rights of way, and appurtenances; all water, water rights and ditch rights (including stock in utilities with
<br />ditch or irrigation rights); and all other rights, royalties, and profits relatingto the real property, includingwithout
<br />limitation all minerals, oil, gas, geothermal and similar matters, (the "Real roperty") located in Hall ounty,
<br />State of Nebraska:
<br />The Northeast Quarter of the Northwest Quarter (NEI/4NW1/4) and The South Half of the
<br />Northwest Quarter (S1/2NW1/4) and The West Half of the Northeast Quarter (W1/2NE1/4)
<br />in Section Twenty Seven (27), Township Twelve (12) North, Range Eleven (11) West of the
<br />6th P.M., Hall County, Nebraska, Lying South of the Highway Right of Way EXCEPT a tract
<br />more particularly described in Quitclaim Deed recorded in Book 166, Page 72; EXCEPT a
<br />tract more particularly described in Warranty Deed recorded as Document No. 78-000364;
<br />EXCEPT a tract more particularly described in Warranty Deed recorded as Document No.
<br />99-107602 and EXCEPT a tract more particularly described in Warranty Deed recorded as
<br />Document No. 200800020; EXCEPT a tract more particularly described in Warranty Deed
<br />recorded as Document No. 201103765; EXCEPT Lot One (1), Panowicz Acres Subdivision,
<br />Hall County, Nebraska
<br />The Real Property or its address is commonly known as NE1/4NW1/4 and S1/2NW1/4 and
<br />W1/2NE1/4 27-12-11 Hall County, NE. The Real Property tax identification number is
<br />400191660 and 400191652.
<br />CROSS -COLLATERALIZATION. In addition to the Note, this Deed of Trust secures all obligations, debts and liabilities,
<br />plus interest thereon, of Trustor to Lender, or any one or more of them, as well as all claims by Lender against Trustor
<br />or any one or more of them, whether now existing or hereafter arising, whether related or unrelated to the purpose of
<br />the Note, whether voluntary or otherwise, whether due or not due, direct or indirect, determined or undetermined,
<br />absolute or contingent, liquidated or unliquidated, whether Trustor may be liable individually or jointly with others,
<br />whether obligated as guarantor, surety, accommodation party or otherwise, and whether recovery upon such amounts
<br />may be or hereafter may become barred by any statute of limitations, and whether the obligation to repay such amounts
<br />may be or hereafter may become otherwise unenforceable.
<br />FUTURE ADVANCES. In addition to the Note, this Deed of Trust secures all future advances made by Lender to Trustor
<br />whether or not the advances are made pursuant to a commitment. Specifically, without limitation, this Deed of Trust
<br />secures, in addition to the amounts specified in the Note, all future amounts Lender in its discretion may loan to
<br />Trustor, together with all interest thereon.
<br />Trustor presently assigns to Lender (also known as Beneficiary in this Deed of Trust) all of Trustor's right, title, and
<br />interest in and to all present and future leases of the Property and all Rents from the Property. In addition, Trustor
<br />grants to Lender a Uniform Commercial Code security interest in the Personal Property and Rents.
<br />THIS DEED OF TRUST, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND
<br />PERSONAL PROPERTY, IS GIVEN TO SECURE (A) PAYMENT OF THE INDEBTEDNESS AND (B) PERFORMANCE OF
<br />ANY AND ALL OBLIGATIONS UNDER THE NOTE, THE RELATED DOCUMENTS, AND THIS DEED OF TRUST. THIS
<br />DEED OF TRUST IS GIVEN. AND ACCEPTED ON THE FOLLOWING TERMS:
<br />PAYMENT AND PERFORMANCE. Except as otherwise provided in this Deed of Trust, Trustor shall pay to Lender all
<br />amounts secured by this Deed of Trust as they become due, and shall strictly and in a timely manner perform all of
<br />Trustor's obligations under the Note, this Deed of Trust, and the Related Documents.
<br />POSSESSION AND MAINTENANCE OF THE PROPERTY. Trustor agrees that Trustor's possession and use of the
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