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PROMISSORY NOTE
<br />Loan No: 772450 200205692 (continued) Page 2
<br />due, and then Borrower will pay that amount
<br />ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else to help collect this Note if Borrower does not pay. Borrower will pav Lender
<br />that amount This includes, subject W any limits under applicable law, Lender's attorneys' teas and Lender's legal expenses, whether or not there is a
<br />lawsuit, including attorneys' fees, expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or Injunction), and
<br />appeal, It,not prphibilegbyspplicable law, Borrower also will pay any court costs, in addition to all other sums provided bylaw.
<br />GOVERNING LAW, This Note will be governed by, construed and enforced In accordance with federal law and the laws of the State of
<br />Nebraska. This Note has been accepted by Lender In the State of Nebraska.
<br />CHOICE OF VENUE. If there Is a lawsuit, Borrower agrees upon Lender's request to submit to the jurisdiction of the counts of Hall County, State Of
<br />Nebraska.
<br />DISHONORED ITEM FEE. Borrower will pay a fee to Lender of $15.00 it Borrower makes a payment on Borrower's lean and the check or
<br />preauthorized charge with which Borrower pays is later dishonored.
<br />RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a right of setoff in all Borrower's accounts with Lander (whether
<br />checking, savings, or some other account). This induces all accounts Borrower holds jointly with someone else and all accounts Borrower may open in
<br />the future. However, this does not include any IRA or Keogh accounts, or any trust accounts for which .setoff would be prohibited by law. Borrower
<br />authorizes Lender, to the extant permitted by applicable law, to charge or setoff all sums owing on the debt against any and all such accounts, and, at
<br />Landers option, to administratively Ireeze all such accounts to allow Lender to protect Lender's charge and setoff rights provided in this paragraph.
<br />COLLATERAL. Borrower acknowledges this Note is secured by ALL EXISTING AND HEREAFTER EXECUTED DEEDS OF TRUST AND SECURITY
<br />AGREEMENTS INCLUDING BUT NOT LIMITED TO THE FOLLOWING DEEDS OF TRUST AND SECURITY AGREEMENTS: DEED OF TRUST DATED
<br />11 -03-2000 AND SECURITY AGREEMENT DATED 11 -03-2000.
<br />PURPOSE. PAY REAL ESTATE TAXES.
<br />SUCCESSOR INTERESTS. The terms of this Note shall be binding upon Borrower, and upon Borrower's heirs, personal representatives, successors
<br />and assigns, and shall Inure to the benefit of Lender and its successors and assigns.
<br />NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES. Please notify us If we report any inaccurate
<br />information about your accounts) to a consumer reporting agency. Your written notice describing the specific maccuracy(ies) should be sent to us at
<br />the following address: Five Points Bank 2015 N Broedwell Ave Grand Island, NE 68802 -1507
<br />GENERAL PROVISIONS. This Nate is payable on demand. The inclusion of specific default provisions or rights of Lender shall not preclude Lender's
<br />right to declare payment of this Note on its demand. Lander may delay or forgo enforcing any of its rights or remedies under this Note without losing
<br />them. Each Borrower understands and agrees that, with or without notice to Borrower, Lender may with respect to any other Borrower (a) make one
<br />or more additional secured or unsecured loans or otherwise extend additional credit; (b) elteq compromise, renew, extend, accelerate, or Otherwise
<br />change one or more times the time for payment or other terms any indebtedness. including increases and decreases Of the rate Of interest on the
<br />indebtedness; (c) exchange, enforce, waive, subordinate, fail or decide not to perfect, and release any security, with or without the substitution of new
<br />collateral; (d) apply such security and direct the order or manner of sale thereof, including without limitation, any non - judicial sale permitted by the
<br />terms of the controlling secunty, agreements, as Lender in its discretion may determine; (e) release, substitute, agree not to sue, or deal with any one or
<br />more of Borrower's sureties, endorsers, or other guarantors on any terms Or in any manner Lender may choose; and (0 determine how, when and
<br />what application of payments and credits shall be made on any other Indebtedness owing by such Other Borrower. Borrower and any other person
<br />who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, demand for payment, and notice Of dishonor. Upon any
<br />change in the terms of this Note, and unless otherwise expressly slated in writing, no party who signs this Note, whether as maker, guarantor,
<br />accommodation maker or encores , shall be released from liability. All such parties agree that Lender may renew or extend (repeatedly and for any
<br />length of time) this loan or release any party or guarantor or collateral; or Impair. fail to realize upon or perfect Lanni security interest In the collateral;
<br />and take any other action deemed necessary by Lander without the consent Of or notice to anyone. All such parties also some that Lander may modify
<br />this loan without the consent Of or notice to anyone other than the party with whom the modification Is made. The obligations under this Note are joint
<br />and several.
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