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- - � � � e � W — �� - - � r,� �� � � � � � � � o f�1w� � � When Recorded Return To: CharterWest National Bank 714 N Diers Avenue Grand Island, NE 68803 ��P � � � dd!. 1� n � � S " C D ZV v� ' c-7 z -+ O r , ,-� � rn � � r j �_' . _ n -� � `�° N U � � s �� ._ . (�,� - r'' �'- � q�, ;,� �.,,. _� ',' CC ` ��% �_� � t :: �`' � r�- :x7 O� i J � !:1 '� wA _�') � 1 W _,:3 (`_� N ' ; � `d� \� � �J S v � �/ '�l � � [ 4 ' r � �'"�� y J � � � �} V [Space Above This Line For Recording Data] MIN:100416700017336752 DEED OF TRUST NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS OR ITS AUTHORIZED AGENT. DEFINITIONS Words used in multiple sections of this document are defined below and other words aze defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document aze also provided in Section 16. (A) "Security Instrument" means this document, which is dated December 23rd , 2011 , together with all Riders to this document. (B) `Borrower" is Michael M Baca and Tammy J Borrego-Baca, husband and wife Borrower is the trustor under this Security Instrument. (C) °°Lender" is CharterWest National Bank Lender is a Corporation organized and existing under the laws of the State of Nebraska . Lender's address is 714 N Diers Avenue Grand Island, NE 68803 (D) "Trustee" is CharterWest National Bank 201 South Main Street PO Bog 288 West Point, NE 68788 (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (� "Note" means the promissory note signed by Borrower and dated December 23rd , 2011 . The Note states that Borrower owes Lender Ninety Eight Thousand Five Hundred Forty Nine and 00/100 Dollars (U.S. $98,549.00 ) plus interest. Bonowerhas promised to pay this debt in regulaz Periodic Payments and to pay the debt in full not later than January 1, 2042 (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (� "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all suxns due under this Security Instrument, plus interest. (n "Riders" means all Riders to this Security Instrument that aze executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ 5econd Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider � Other(s) [specify] ❑ 1-4 Family Rider ❑ Biweekly Payment Rider VA Rider (.n �Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. NEBRASKA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENI' (MERS) Form 30281/Ol (page I of 9 pages) 12439.CV (9/I1) 906714 Creative Thinldng, Inc. � � �9 ♦`� �� GOTO(OO1b2795) � �