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, ' 200710396 The property is located in ..................... HAl-J....................... at ........................................ (County) ............. .:?~J.Q.~J;l.~.I:IM~ .$J:.............., ..... .~.J;lf..N!? !9.~~N~......., Nebraska ..... .~.~.~9.1.,....... (Address) (City) (ZIP Code) Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, all water and riparian rights, ditches, and water stock and all existing and future improvements, structures, fixtures, and replacements that may now, or at any time in the future, be part of the real estate described above (all referred to as "Property"). 3. MAXIMUM OBLIGATION LIMIT. The total principal amount secured by this Security Instrument . h 11 d $ 25 502 00 Th' I' .. f at anyone hme s a not excee .. .. '.. .. . .... .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . .. .... 1S 1m1tat1on 0 amount does not include interest and other fees and charges validly made pursuant to this Security Instrument. Also, this limitation does not apply to advances made under the terms of this Security Instrument to protect Beneficiary's security and to perform any of the covenants contained in this Security Instrument. 4. SECURED DEBT AND FUTURE ADVANCES. The term "Secured Debt" is defined as follows: A. Debt incurred under the terms of all promissory note(s), contract(s), guaranty(ies) or other evidence of debt described below and all their extensions, renewals, modifications or substitutions. (You must specifically identify the debt(s) secured and you should include the final maturity date of such debt(s).) That Line of Credit Agreement dated 11/13/2007 having a Credit Limit of $25,502.00 executed by [Borrower(s):] JOAN A, KUZMA to USAA FSB as Lender and having a Maturity Date of 11/13/2027, B. All future advances from Beneficiary to Trustor. If more than one person signs this Security Instrument, each Trustor agrees that this Security Instrument will secure all future advances that are given to or incurred by anyone or more Trustor, or anyone or more Trustor and others. All future advances are secured by this Security Instrument even though all or part may not yet be advanced. All future advances are secured as if made on the date of this Security Instrument. Nothing in this Security Instrument shall constitute a commitment to make additional or future loans or advances in any amount. Any such commitment must be agreed to in a separate writing. C. All additional sums advanced and expenses incurred by Beneficiary for insuring, preserving or otherwise protecting the Property and its value and any other sums advanced and expenses incurred by Beneficiary under the terms of this Security Instrument. 5. DEED OF TRUST COVENANTS. Trustor agrees that the covenants in this section are material obligations under the Secured Debt and this Security Instrument. If Trustor breaches any covenant in this section, Beneficiary may refuse to make additional extensions of credit and reduce the credit limit. By not exercising either remedy on Trustor's breach, Beneficiary does not waive Beneficiary's right to later consider the event a breach if it happens again. Payments. Trustor agrees that all payments under the Secured Debt will be paid when due and in accordance with the terms of the Secured Debt and this Security Instrument. Prior Security Interests. With regard to any other mortgage, deed of trust, security agreement or other lien document that created a prior security interest or encumbrance on the Property, Trustor agrees to make all payments when due and to perform or comply with all covenants, Trustor also agrees not to allow any modification or extension of, nor to request any future advances under any note or agreement secured by the lien document without Beneficiary's prior written approval. (page 2 of 9) @1994 Wolters Kluwer Fin.ncial Services. Bankers SystemsM Form USAAHEOT.NE 6/15/2007