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<br />Loan No: 101214657 <br /> <br />DEED OF TRUST <br />(Continued) <br /> <br />200709602 <br /> <br />Page 8 <br /> <br />substances, materials or waste as defined by or listed under the Environmental Laws. The term "Hazardous Substances" also <br />includes, without limitation, petroleum and petroleum by-products or any fraction thereof and asbestos. <br /> <br />Improvements. The word "Improvements" means all existing and future improvements, buildings, structures, mobile homes affixed on <br />the Real Property, facilities, additions, replacements and other construction on the Real Property. <br /> <br />Indebtedness. The word "Indebtedness" means all principal, interest, and other amounts, costs and expenses payable under the Note <br />or Related Documents, together with all renewals of, extensions of, modifications of, consolidations of and substitutions for the Note <br />or Related Documents and any amounts expended or advanced by Lender to discharge Trustor's obligations or expenses incurred by <br />Trustee or Lender to enforce Trustor's obligations under this Deed of Trust, together with interest on such amounts as provided in this <br />Deed of Trust. <br /> <br />Lender. The word "Lender" means Five Points Bank, its successors and assigns. The words "successors or assigns" mean any <br />person or company that acquires any interest in the Note. <br /> <br />Note. The word "Note" means the promissory note dated November 5, 2007, in the original principal amount of <br />$217.900.00 from Trustor to Lender, together with all renewals of, extensions of, modifications of, refinancings of, consolidations <br />of, and substitutions for the promissory note or agreement. The maturity date of this Deed of Trust is August 7, 2008. <br /> <br />Personal Property. The words "Personal Property" mean all equipment, fixtures, and other articles of personal property now or <br />hereafter owned by Trustor, and now or hereafter attached or affixed to the Real Property; together with all accessions, parts, and <br />additions to, all replacements of, and all substitutions for, any of such property; and together with all proceeds (including without <br />limitation all insurance proceeds and refunds of premiums) from any sale or other disposition of the Property. <br /> <br />Property. The word "Property" means collectively the Real Property and the Personal Property. <br /> <br />Real Property. The words" Real Property" mean the real property, interests and rights, as further described in this Deed of Trust. <br /> <br />Related Documents. The words "Related Documents" mean all promissory notes, credit agreements, loan agreements, environmental <br />agreements, guaranties, security agreements, mortgages, deeds of trust, security deeds, collateral mortgages, and all other <br />instruments, agreements and documents, whether now or hereafter existing, executed in connection with the Indebtedness. <br /> <br />Rents. The word" Rents" means all present and future rents, revenues, income, issues, royalties, profits, and other benefits derived <br />from the Property. <br /> <br />Trustor. The word "Trustor" means MICHAEL J SCHNEIDER and CYNTHIA J SCHNEIDER. <br /> <br />EACH TRUSTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS DEED OF TRUST, AND EACH TRUSTOR AGREES TO <br />ITS TERMS. <br /> <br />TRUSTOR: <br /> <br />x~_~ <br /> <br />MICHAEL J.. HNEIDER <br /> <br />~ <br /> <br />X~Jk-:::f !Uz. C-~ r';~ J}U1 of 1[~ (>{ ./ <br />CYN, IA J SCHNEIDE~ <br /> <br />INDIVIDUAL ACKNOWLEDGMENT <br /> <br />STATE OF <br /> <br />lie hf,;l S t~ <br />/IJtI<,( <br /> <br />) <br />) SS <br /> <br />COUNTY OF <br /> <br />On this day before me, the undersigned Notary Public, personally appeared MICHAEL J SCHNEIDER and CYNTHIA J SCHNEIDER. Husband <br />and Wife. to me known to be the individuals described in and who executed the Deed of Trust, and acknowledged that they signed the <br />Deed of Trust as their free and voluntary act and deed, for the uses and purposes therein mentioned, <br /> <br />G;w. ~d" my h..d .od offi,;.1 ".1 tho IS n. ::rQ: -/ ' 20 0' <br /> <br /> <br />61:__....._, No_P,bl.;.". O,th~.oI /!k6/Qd.'< <br />Residing at C; v[-L-o r/ 7]4.", ,/ <br />=m! My ,omm;.... ..p;m. <br />