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T <br />CORNERSTONE BANK �/� k �� <br />Grand Island Main Facil'rty <br />840 North Diers Avenue <br />Grand Island, NE 68803 FOR RECORDER'S USE ONLY <br />DEED OF TRUST <br />THIS DEED OF TRUST is dated September 29, 2011, among Charles R Winkler and Doris L <br />Winkier; Husband and Wife ("Trustor"); CORNERSTONE BANK, whose address is Grand Island <br />Main Facility, 840 North Diers Avenue, Grand Island, NE 68803 (referred to below sometimes <br />as "Lender" and sometimes as "Beneficiary"); and CORNERSTONE BANK, whose address is <br />529 LINCOLN AVENUE, YORK, NE 68467 (referred to below as "Trustee"). <br />CONVEYANCE AND GRANT. For valuable consideration, Trustor conveys to Trustee in trust, WITH POWER OF SALE, � <br />for the benefit of Lender as Beneficiary, all of Trustor's right, title, and interest in and to the following described real <br />properiy, together with all existing or subsequently erected or effixed buildings, improvements and fixtures; all � <br />easements, rights of way, end appurtenances; all weter, water rights and ditch rights (including stock in utilities with �o <br />ditch or irrigation rights); and all other rights, royalties, and profits relating to the real property, including without <br />limitation all minerals, oil, gas, geothermal and aimilar matters, (the "Real Property") located in Hall County <br />State of Nebraska: <br />Lot One (1), Block Nine (9). Schimmer's Addition to the City of Grand Island, Hall County, <br />Nebraska. <br />The Real Property or its address is commonly known as 1324 N Walnut Street, Grand Island, <br />NE 68801. <br />CROSS-COLLATERALIZATION. In addition to the Note, this Daed of Trust secures all obligations, debts and liabilities, <br />plus interest therean, of Trustor to Lender, or any one or more of them, as well as all claims by Lender against Trustor <br />or any one or more of them, whether now existing or hereafter arising, whether related or unrelated to the purpose of <br />the Note, whether voluntary or otherwise, whether due or not due, direct or indirect, determined or undetermined, <br />absolute or cantingent, liquidated or uniiquidated, whether Trustor may be liable individually or jointly with others, <br />whether obligated as guarantor, surety, accommodation party or otherwise, and whether recovery upon such amounts <br />may be or hereafter may become bar�ed by eny statute of limitations, and whether the obligation to repay such amounts <br />may be or hereafter may become otherwise unenforceable. <br />FUTURE ADVANCES. In addition to the Note, this Deed of Trust secures all future edvances made by Lender to Trustor <br />whether or not` the advances ere made pursuant to a commitment. Specifically, without limitation, this Deed of Trust <br />secures, in addition td the amounts specified in the Note, ell future amounts Lender in its discretion may loan to <br />Trustor, together with all interest theraon. <br />Trustor presentiy assigns to Lender (also known as Beneficiary in this Deed of Trust) all of Trustor's right, title, and <br />interest in and to all present and future leases of the Property and all Rents from the Property. In eddition, Trustor <br />grents to Lender a Uniform Commerciai Code security interest in the Personal Property and Rents. <br />THIS DEED OF TRUST, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND <br />PERSONAL PROPERTY, IS GIVEN TO SECURE IA) PAYMENT OF THE INDEBTEDNESS AND (B) PERFORMANCE OF <br />ANY AND ALL OBLIGATIONS UNDER THE NOTE, THE RELATED DOCUMENTS, AND THIS DEED OF TRUST. THIS <br />DEED OF TRUST IS GIVEN AND ACCEPTED ON THE FOLLOWINQ TERMS: <br />PAYMENT AND PERFORMANCE. Except as otherwise provided in this Deed of Trust, Trustor shall pay to Lender all <br />amounts secured by this Deed of Trust as they become due, and shall strictly and in a timely manner perform all of <br />Trustar's obligations under the Note, this Deed of Trust, and the Related Documents. <br />POSSESSION AND MAINTENANCE OF THE PROPERTY. Trustor agrees that Trustor's possession and use of the <br />Property shall be governed by the following provisions: <br />Possession and Use. Untfl the occurrence of an Event of Default, Trustor may (1) remain in possessfon and <br />control of the Property; (2) use, operate or manage the Property; and (3) collect the Rents from the Property. <br />Duty to Maintain. Trustor shall maintain the Property in tenantable condition and promptly perform all repairs, <br />replacements, and maintenance necessary to preserve its value. <br />Compliance Wfth Emrironmental Laws. Trustor represents and warrants to Lender that: (1) During the period of <br />Trustor's ownership of the Property, there has been no use, generation, manufacture, storage, treatment, disposal, <br />release or threatened release of any Hazardous Substance by any person on, under, about or from the Property; <br />(2) Trustor has no knowledge of, or reason to believe that there has been, except as previously disclosed to and <br />ecknowledged by Lender in writing, (a) any breach or violation of any Environmental Laws, (b) any use, <br />generation, manufacture, storage, treatment, disposal, release or threatened release of any Hezardous Substance <br />on,' under, about or from the Property by any prior owners or occupants of the Property, or (c) any actuel or <br />� threatened litigation or claims of any kind by any person relating to such matters; and (3) Except as previously <br />disclosed to and acknowledged by Lender in writing, (a) neither Trustor nor any tenant, contractor, agent or other <br />authorized user of the Property shall use, generete, manufacture, store, treat, dispose of or release any Hazardous <br />C./f � <br />N� � <br />