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N O 0 v, rn N Co WHEN RECORDED MAIL TO: Equitable Bank North Locust Branch 113 -115 N Locust St PO Box 160 Grand Island, NE 68802 -0160 FOR RECORDER'S USE ONLY DEED OF TRUST THIS DEED OF TRUST is dated July 29, 2011, among TARA GRAVES AKA TARA J. GRAVES, whose address is 2422 W 18TH ST, GRAND ISLAND, NE 68803; A SINGLE PERSON ( "Trustor "); Equitable Bank, whose address is North Locust Branch, 113 -115 N Locust St, PO Box 160, Grand Island, NE 68802 -0160 (referred to below sometimes as "Lender" and sometimes as "Beneficiary "); and Equitable Bank (Grand Island Region), whose address is 113 -115 N Locust St; PO Box 160, Grand Island, NE 68802 -0160 (referred to below as "Trustee "). CONVEYANCE AND GRANT. For valuable consideration, Trustor conveys to Trustee in trust, WITH POWER OF SALE, for the benefit of Lender as Beneficiary, all of Trustor's right, title, and interest in and to the following described real property, together with all existing or subsequently erected or affixed buildings, improvements and fixtures; all easements, rights of way, and appurtenances; all water, water rights and ditch rights (including stock in utilities with ditch or irrigation rights), and all other rights, royalties, and profits relating to the real property, including without limitation all minerals, oil, gas, geothermal and similar matters, (the "Real Property ") located in HALL County, State of Nebraska: LOT FOUR (4), BLOCK TWENTY -SIX (26), IN RUSSEL WHEELER'S ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA. AND LOT SIX (6), BLOCK THIRTEEN (13), GILBERT'S ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA. The Real Property or its address is commonly known as 217 W 11TH STREET & 924 W 12TH STREET, GRAND ISLAND, NE 68801. The Real Property tax identification number is 400121298 & 400134039. CROSS- COLLATERALIZATION. In addition to the Note, this Deed of Trust secures all obligations, debts and liabilities, plus interest thereon, of either Trustor or Borrower to Lender, or any one or more of them, as well as all claims by Lender against Borrower and Trustor or any one or more of them, whether now existing or hereafter arising, whether related or unrelated to the purpose of the Note, whether voluntary or otherwise, whether due or not due, direct or indirect, determined or undetermined, absolute or contingent, liquidated or unliquidated, whether Borrower or Trustor may be liable individually or jointly with others, whether obligated as guarantor, surety, accommodation party or otherwise, and whether recovery upon such amounts may be or hereafter may become barred by any statute of limitations, and whether the obligation to repay such amounts may be or hereafter may become otherwise unenforceable. FUTURE ADVANCES. In addition to the Note, this Deed of Trust secures all future advances made by Lender to Borrower or Trustor whether or not the advances are made pursuant to a commitment. Specifically, without limitation, this Deed of Trust secures, in addition to the amounts specified in the Note, all future amounts Lender in its discretion may loan to Borrower or Trustor, together with all interest thereon. Trustor presently assigns to Lender (also known as Beneficiary in this Deed of Trust) all of Trustor's right, title, and interest in and to all present and future leases of the Property and all Rents from the Property. In addition, Trustor grants to Lender a Uniform Commercial Code security interest in the Personal Property and Rents. THIS DEED OF TRUST, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY, IS GIVEN TO SECURE (A) PAYMENT OF THE INDEBTEDNESS AND (B) PERFORMANCE OF ANY AND ALL OBLIGATIONS UNDER THE NOTE, THE RELATED DOCUMENTS, AND THIS DEED OF TRUST. THIS DEED OF TRUST IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS: TRUSTOR'S REPRESENTATIONS AND WARRANTIES. Trustor warrants that: (a) this Deed of Trust is executed at Borrower's request and not at the request of Lender; (b) Trustor has the full power, right, and authority to enter into this Deed of Trust and to hypothecate the Property; (c) the provisions of this Deed of Trust do not conflict with, or result in a default under any agreement or other instrument binding upon Trustor and do not result in a violation of any law, regulation, court decree or order applicable to Trustor, (d) Trustor has established adequate means of obtaining from Borrower on a continuing basis information about Borrower's financial condition; and (e) Lender has made no representation to Trustor about Borrower (including without limitation the creditworthiness of Borrower). TRUSTOR'S WAIVERS. Trustor waives all rights or defenses arising by reason of arry "one action" or "anti- deficiency" law, or any other law which may prevent Lender from bringing any action against Trustor, including a claim for deficiency to the extent Lender is otherwise entitled to a claim for deficiency, before or after Lender's commencement or completion of any foreclosure action., either judicially or by exercise of a power of sale. m �m N Q --1 --1 _ o_ y m m nA �o D zm JO Iv o 0 C OZ 200 � -n G7 r 0 G7 O = m ca o Cr Z < mA m D r-� mOCI D rW CCoc o m o o o �� m --1 0) z O WHEN RECORDED MAIL TO: Equitable Bank North Locust Branch 113 -115 N Locust St PO Box 160 Grand Island, NE 68802 -0160 FOR RECORDER'S USE ONLY DEED OF TRUST THIS DEED OF TRUST is dated July 29, 2011, among TARA GRAVES AKA TARA J. GRAVES, whose address is 2422 W 18TH ST, GRAND ISLAND, NE 68803; A SINGLE PERSON ( "Trustor "); Equitable Bank, whose address is North Locust Branch, 113 -115 N Locust St, PO Box 160, Grand Island, NE 68802 -0160 (referred to below sometimes as "Lender" and sometimes as "Beneficiary "); and Equitable Bank (Grand Island Region), whose address is 113 -115 N Locust St; PO Box 160, Grand Island, NE 68802 -0160 (referred to below as "Trustee "). CONVEYANCE AND GRANT. For valuable consideration, Trustor conveys to Trustee in trust, WITH POWER OF SALE, for the benefit of Lender as Beneficiary, all of Trustor's right, title, and interest in and to the following described real property, together with all existing or subsequently erected or affixed buildings, improvements and fixtures; all easements, rights of way, and appurtenances; all water, water rights and ditch rights (including stock in utilities with ditch or irrigation rights), and all other rights, royalties, and profits relating to the real property, including without limitation all minerals, oil, gas, geothermal and similar matters, (the "Real Property ") located in HALL County, State of Nebraska: LOT FOUR (4), BLOCK TWENTY -SIX (26), IN RUSSEL WHEELER'S ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA. AND LOT SIX (6), BLOCK THIRTEEN (13), GILBERT'S ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA. The Real Property or its address is commonly known as 217 W 11TH STREET & 924 W 12TH STREET, GRAND ISLAND, NE 68801. The Real Property tax identification number is 400121298 & 400134039. CROSS- COLLATERALIZATION. In addition to the Note, this Deed of Trust secures all obligations, debts and liabilities, plus interest thereon, of either Trustor or Borrower to Lender, or any one or more of them, as well as all claims by Lender against Borrower and Trustor or any one or more of them, whether now existing or hereafter arising, whether related or unrelated to the purpose of the Note, whether voluntary or otherwise, whether due or not due, direct or indirect, determined or undetermined, absolute or contingent, liquidated or unliquidated, whether Borrower or Trustor may be liable individually or jointly with others, whether obligated as guarantor, surety, accommodation party or otherwise, and whether recovery upon such amounts may be or hereafter may become barred by any statute of limitations, and whether the obligation to repay such amounts may be or hereafter may become otherwise unenforceable. FUTURE ADVANCES. In addition to the Note, this Deed of Trust secures all future advances made by Lender to Borrower or Trustor whether or not the advances are made pursuant to a commitment. Specifically, without limitation, this Deed of Trust secures, in addition to the amounts specified in the Note, all future amounts Lender in its discretion may loan to Borrower or Trustor, together with all interest thereon. Trustor presently assigns to Lender (also known as Beneficiary in this Deed of Trust) all of Trustor's right, title, and interest in and to all present and future leases of the Property and all Rents from the Property. In addition, Trustor grants to Lender a Uniform Commercial Code security interest in the Personal Property and Rents. THIS DEED OF TRUST, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY, IS GIVEN TO SECURE (A) PAYMENT OF THE INDEBTEDNESS AND (B) PERFORMANCE OF ANY AND ALL OBLIGATIONS UNDER THE NOTE, THE RELATED DOCUMENTS, AND THIS DEED OF TRUST. THIS DEED OF TRUST IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS: TRUSTOR'S REPRESENTATIONS AND WARRANTIES. Trustor warrants that: (a) this Deed of Trust is executed at Borrower's request and not at the request of Lender; (b) Trustor has the full power, right, and authority to enter into this Deed of Trust and to hypothecate the Property; (c) the provisions of this Deed of Trust do not conflict with, or result in a default under any agreement or other instrument binding upon Trustor and do not result in a violation of any law, regulation, court decree or order applicable to Trustor, (d) Trustor has established adequate means of obtaining from Borrower on a continuing basis information about Borrower's financial condition; and (e) Lender has made no representation to Trustor about Borrower (including without limitation the creditworthiness of Borrower). TRUSTOR'S WAIVERS. Trustor waives all rights or defenses arising by reason of arry "one action" or "anti- deficiency" law, or any other law which may prevent Lender from bringing any action against Trustor, including a claim for deficiency to the extent Lender is otherwise entitled to a claim for deficiency, before or after Lender's commencement or completion of any foreclosure action., either judicially or by exercise of a power of sale.