20. This Trust Deed shall be construed according to the laws of the State of Utah. 21. The important feature is that the mortgage secures frequent and routine future advances to be added to the loan balance.1.7 Cross-Collateral and Future Advances. Advance clause is a part of a contract that allows for additional loans to be made in the future, even if the lender is not obligated to do so. A deed of trust is essentially an agreement between a lender and a borrower to give the property to a neutral third party who will serve as a trustee. The trust deed gives the trustee the power to sell the trust property to satisfy the obligation.