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.�� � � � � 0 = N B — � — � � � � � � � �� ; ,� : x:. ; ,. i. � � �� S� ,, ,s � � -�n � ° �no � � N � � When Recorded Return To: CharterWest National Bank 714 N Diers Avenue Grand Island, NE 68803 ry �- _.� � � �-=t c� cn o --� g;� 'T ; 5' _ �' C D N -i � °�' � . C _� . - ., - �Tl O � r �' 1 ° r � p n `_` . C � rs o t� n.7 �� i� ' r� � � �- r � � y �_ri � c � � "n �— : 7 CJl -- i � 1-- T. r ' ' Cn C!7 �, p � � � C. � .�y -�7 c; r... ' �.,J � � � f �1 � W � � (f7 u� [Space Above This Line For Recording Data] DEED OF TRUST MIN:1004167000Z0353679 � ��` DEFINITIONS Words used in multiple sections of this document aze defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated July 16th , 2012 , together with all Riders to this document. (B) "Borrower" is Corey L Ludwig and Heather R Ludwig, husband and wife Borrower is the trustor under this Security Instru�nt. (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 Box 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 Instrumen� 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 July 16th , 2012 . The Note states that Borrower owes Lender One Hundred Thirty Two Thousand and 00/100 Dollars (U. S. $132,000.00 ) plus interest. Bonower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than August 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 chazges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (n "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify] ❑ 1-4 Family Rider ❑ Biweekly Payment Rider (� "Applicable Law" means all controlling applicable federal, state and local sta.tutes, 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 INSTRUMENT (MERS) Form 30281/Ol (page 1 of 9 pages) 12439.CV (9/11) 907976 CreaHve Tltinking, Inc. GOTO(0020789e)