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<br />CONIlVdLIZCIAL REAL ES�ATE DEED OF TRUST
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<br />This COMI��RCIAL REAL ESTATE DEED OF TRUST ("Security Instrument") is made on August 19, 2011 by
<br />the grantor(s) John E. Nowicld, and Jennifer L. Nowicld, husband and wife, whose address is 4127
<br />Norseman Avenue, Grand Island, Nebraska 68803 ("Grantor"). The trustee is Arend R Baack, Attorney whose
<br />address is P.O. Bog 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home Federal Savings
<br />& Loan Association of Grand Island whose address is 221 South Locust Street, Grand Island, Nebraska 68801
<br />("Lender"), which is organized and existing under the laws of the United States of America. Grantor in
<br />consideration of loans extended by Lender up to a maximum principal amount of One Hundred Thirty-eight
<br />Thousand Nine Hundred Thirty-four and 57/100 Dollars ($138,934.57) ("Maximum Principal Indebtedness"),
<br />and for other valuable considerarion, the receipt of which is acknowledged, irrevocably grants, conveys and
<br />assigns to Trustee, in trust, with power of sale, the following descn'bed properly located in the Hall of County,
<br />State of Nebraska:
<br />Address: 4127 Norseman Avenue, GRAND ISLAND, Nebraska 68801
<br />Legal Description: Lot Twenty-Three (23), Jeffrey Oaks Eighth Subdivision, in the City of Grand Island,
<br />�all County, Nebraska.
<br />Together with all easements, appurtenances abutting streets and alleys, improvements, buildings, fixtures,
<br />tenements, hereditaments, equipment, rents, income, profit� and royalties, personal goods of whatever description
<br />and all other rights and privileges including all minerals, oil, gas, water (whether groundwater, subterranean or
<br />otherwise), water rights (whether riparian, appropriate or otherwise, and whether or not appurtenant to the above-
<br />descn'bed real property), wells, well permits, ditches, ditch rights, reservoirs, reservoir rights, reservoir sites,
<br />storage rights, dams and water stock that may now, or at any time in the future, be located on and/or used in
<br />connection with the above-described real property, payment awatds, amounts received from eminent domain,
<br />amounts received from any and all insurance payments, and timber which may now or later be located, situated, or
<br />affixed on and used in connection therewith (hereinafter called the "Property").
<br />RELATED DOCUMENTS. The words "Related Documents" mean all promissory notes, security agreements,
<br />prior mortgages, prior deeds of trust, business loan agreements, conshuction loan agreements, resolutions,
<br />guaranties, environmental agreements, subordination agreements, assignments of leases and rents and any other
<br />documents or agreements executed in connection with this Security Instrument whether now or hereafter existing.
<br />The Related Documents aze hereby made a part of tlus Security Inslrument by reference thereto, with the same
<br />force and effect as if fully set forth herein.
<br />INDEBTEDI�FESS. This Security Instrument secures the principal amount shown above as may be evidenced by a
<br />promissory note or notes of even, prior or subsequent date hereto, including fuhue advances and every other
<br />indebtedness of any and every lcind now or hereafter owing from Grantor and Jennifer L. Nowicld to Lender,
<br />howsoever created ar arising, whether primary, secondary or contingent, together with any interest or charges
<br />provided in or arising out of such indebtedness, as well as the agreements and covena.nts of ttus Security
<br />Instrument and all Related Documents (hereinafter all referred to as the "Indebtedness").
<br />FUTURE ADVANCES. To the extent permitted by law, this 5ecurity Instrument will secure future advances as if
<br />such advances were made on the date of this Security Instrument regazdless of the fact that from time to time there
<br />may be no balance due under the note and regardless of whether Lender is obligated to make such future advances.
<br />CROSS COLLATERAI.IZATION. It is the expressed intent of Grantor to cross collateralize all of its
<br />Indebtedness and obligations to Lender, howsoever arising and whensoever incurred.
<br />WARRANTIES. Grantor, for itself, its heirs, personal representatives, successors, and assigns, represents,
<br />warrants, covenants and agrees with Lender, its successors and assigns, as follows:
<br />Performance of Obligations. Grantor promises to perform all terms, conditions, and covenants of this
<br />Security Instrument and Related Documents in accordance with the terms contained therein.
<br />Defense and Title to Property. At the time of execution and delivery of this instrument, Grantor is lawfully
<br />seised of the estate hereby conveyed and has the exclusive right to mortgage, grant, convey and assign the
<br />Property. Grantor covenants that the Property is unencumbered and free of all liens, except for encumbrances
<br />of record acceptable to Lender. Further, Grantor covenants that Grantor will warranf and defend generally
<br />the title to the Property against any and all claims and demands whatsoever, subject to the easements,
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