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200206144 D. Trustor shall immediately notify Beneficiary in writing as soon as Trustor has reason to believe there is any pending or threatened investigation, claim, or Rrocco ingg relating to the release or threatened release of any Hazardous Substance or the violation of any Envu'mmrental Law. 12. ESCROW FOR TAXES AND INSURANCE. Unless otherwise provided in a separate agreement, Trustor will not be required to pay to Beneficiary funds for taxes and insurance in escrow. 13. JOINT AND INDIVIDUAL LIABILITY; CO- SIGNERS; SUCCESSORS AND ASSIGNS BOUND. All duties under this Security Instrument are joint and individual. If Trustor signs this Security Instrument but does not sign an evidence of debt, Trustor does so only to mortgage Trusna's interest in the Property to secure payment of the Secured Debt and Trustor does not agree to be personally liable on the Secured Debt. If this Security Instrument secures a guaranty between Beneficiary and Trustor, Trustor agrees to waive silly rights that may prevent Beneficiary from bringing any action or claim against Trustor or arty party indebted under the obligation. These rights may include, but are not limited to, any anti- deficiency or one- action laws. The duties and benefits of this Security histru lent shall bind and benefit the successors and assigns of Trustor and Beneficiary. 14. SEVF,RABILITY; INTERPRETATION. This Security Instrument is complete and fully integrated. This Security Instrument may not be aniended 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 he 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 iris 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 15. SUCCESSOR TRUSTEE. Beneficiary, at Beneficiary' a option, may from time to time remove Trustee and appoint a successor trustee without any other Centrality than the designation in writing. The successor trustee, without conveyance of die Property, shall succeed to all the title, power and duties conferred upon Trustee by this Security Instrument and applicable law. 16. 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 lrustors. 17. WAIVERS. Except to the extent prohibited by law, Trustor waives all appraisement and homestead exemption rights relating to the Property. 18. LINE OF CREDIT. The Secured Debt includes a revolving line of credit. Although the Secured Debt may be reduced to a zero balance, this Security Instrument will remain in effect until released. 19. APPLICABLE LAW. 'this Security Instrument is governed by the laws as agreed to in the Secured Debt, except to the extent required by the laws of the jurisdiction where the Property is located, and applicable federal laws and regulations. 20. 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] Assignment of Leases and Rents = Other 21. 0 CONSTRUCTION LOAN. This Security Instrument is a construction security interest which secures an obligation incurred for the construction of an improvement on the Property. 22. ADDITIONAL TERNS. SIGNATURES: By signing below, Trustor agrees to the terms and covenants contained in this Security Instrument and in any attachments. Trustor also acknowledg receipt of a copy of this Security Instrument on the date stated on page 1. i�i* I 3�a L �c _ C3Z s. namrelRODN KOSKI (Debey (slsaDAWN �2UL OSKI (Duty) ACKNOWLEDGMENT STATE OF NEBRASKA ,COUNTY OF HALL ass. This instrument was acknowledged before me this 3RD day of JUNE, 2002 by RODNEY H ZULKOSKI and DAWN M ZULK KI, HUSBAND AND WIFE My commission expires: J GENERAL NOTARY-State of Nebraska KATHLEEN A. SCMLACHTER My Gomm. Eq. May 21, 2004 01994 Famp: 9y,luut irc. It Gaud mry toim OUP IEUT NE 111009 ®-C4551NE1 (9902)0; vim (Notary Public) (page 4 of 4)