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202206/90 the laws of the jurisdiction where the Property is located. This Security Instrument is complete and fully integrated. This Security Instrument may not be amended or modified by oral agreement. Any section in this Security Instrument, attachments, or any agreement related to the Secured Debt that conflicts with applicable law will not be effective, unless that law expressly or impliedly permits the variations by written agreement. If any section of this Security Instrument cannot be enforced according to its terms, that section will be severed and will not affect the enforceability of the remainder of this Security Instrument. Whenever used, the singular shall include the plural and the plural the singular. The captions and headings of the sections of this Security Instrument are for convenience only and are not to be used to interpret or define the terms of this Security Instrument. Time is of the essence in this Security Instrument. 24. SUCCESSOR TRUSTEE. Beneficiary, at Beneficiary's option, may from time to time remove Trustee and appoint a successor trustee without any other formality than the designation in writing. The successor trustee, without conveyance of the Property, shall succeed to all the title, power and duties conferred upon Trustee by this Security Instrument and applicable law. 25. NOTICE. Unless otherwise required by law, any notice shall be given by delivering it or by mailing it by first class mail to the appropriate party's address on page 1 of this Security Instrument, or to any other address designated in writing. Notice to one trustor will be deemed to be notice to all trustors. 26. WAIVERS. Except to the extent prohibited by law, Trustor waives all appraisement and homestead exemption rights relating to the Property. 27. OTHER TERMS. If checked, the following are applicable to this Security Instrument: 0 Line of Credit. The Secured Debt includes a revolving line of credit provision. Although the Secured Debt may be reduced to a zero balance, this Security Instrument will remain in effect until released. El Construction Loan. This Security Instrument secures an obligation incurred for the construction of an improvement on the Property. 1=1 Fixture Filing. Trustor grants to Beneficiary a security interest in all goods that Trustor owns now or in the future and that are or will become fixtures related to the Property. This Security Instrument suffices as a financing statement and any carbon, photographic or other reproduction may be filed of record for purposes of Article 9 of the Uniform Commercial Code. 0 Riders. The covenants and agreements of each of the riders checked below are incorporated into and supplement and amend the terms of this Security Instrument. [Check all applicable boxes] lI Condominium Rider Q Planned Unit Development Rider 0 Other Q Additional Terms. SIGNATURES: By signing below, Mortgagor agrees to the terms and covenants contained in this Security Instrument and in any attachments. Mortgagor also acknowledges receipt of a copy of this Security Instrument on the date stated on page 1. X F/o.2)/2 X (Signature) (Date) (Signature) (Date) Kevin M Callahan X r/ (Date) (Signature) (Date) han • n R Callahan ACKNOWLEDGMENT: STATE OF Nebraska COUNTY OF Hall } ss. (Individual) This instrument was acknowledged before me this 22 ndday of August, 2022 by Kevin M Callahan AND Shannon R Callahan, Husband and Wife My commission expires: September 27, 2025 X (No 5ry ublic) Adiy L Otto (Notary's County) Hall Loan Origination Company & NMLS Id: Charter West Bank - 466077 Loan Originator & NMLS Id.: Mark E Svec - 491151 NEBRASKA - DEED OF TRUST (NOT FOR FNMA, FHLMC, FHA OR VA USE) Laser Forms Inc. LFI #CHA100 1/15 Page 5 of 5 4,GENEI AL 11X1 NOTARY -State of NebraskaAMYLOTTO My Comm. Exp. September 27, 2023