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202208824 TOGETHER WITH, all rents, easements, appurtenances, hereditaments, interests in adjoining roads, streets and alleys, improvements and buildings of any kind situated thereon and all personal property that may be or hereafter become an integral part of such buildings and improvements, all crops raised thereon, and all water rights. The Property and the entire estate and interest conveyed to the Trustee are referred to collectively as the "Trust Estate". FOR THE PURPOSE OF SECURING: a. Payment of indebtedness in the total amount of ONE HUNDRED EIGHTY-ONE THOUSAND, SEVEN HUNDRED SIXTY-TWO DOLLARS ($181,762.00) together with interest from date hereof at the rate of FOUR AND ONE HALF PERCENT (4.5%) per annum in equal annual principal installments of $90,881.00. Added to such principal payments shall be 4.5% annual interest on such unpaid principal, and such payments shall commence on DECEMBER 21, 2023, and then a final payment on DECEMBER 21, 2024, at which point a final principal payment of $90,881.00 plus accumulated interest shall be due. b. Payment of all sums advanced by Beneficiary to protect the Trust Estate, with interest thereon at the rate of TWELVE PERCENT (12%) per annum. This Deed of Trust, the Note, and any other instrument given to evidence or further secure the payment and performance of any obligation secured hereby are referred to collectively as the "Loan Instruments". TO PROTECT THE SECURITY OF THIS DEED OF TRUST: 1. PAYMENT OF INDEBTEDNESS. Trustor shall pay when due the principal of, and the interest on, the indebtedness evidenced by the Note, charges, fees and all other sums as provided in the Loan. Instruments. 2. TAXES. Trustor shall pay each installment of all taxes and special assessments of every kind, now or hereafter levied against the Trust Estate or any part thereof, before delinquency, without notice or demand, and shall provide Beneficiary with evidence of the payment of same. Trustor shall pay all taxes and assessments which may be levied upon Beneficiary's interest herein or upon this Deed of Trust or the debt secured hereby, without regard to any law that may be enacted imposing payment of the whole or any part thereof upon the Beneficiary. 3. INSURANCE AND REPAIRS. Trustor shall maintain fire and extended coverage insurance insuring the improvements and buildings constituting part of the Trust Estate for an amount no less than the amount of the unpaid principal balance of the Note (co-insurance not exceeding 80% permitted). Such insurance policy shall contain a standard mortgage clause in favor of Beneficiary and shall not be cancelable, terminable or modifiable without Ten (10) days prior written notice to Beneficiary. Trustor shall promptly repair, maintain and replace the Trust Page 2 of 7