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� <br />� <br />N � <br />0 � <br />� � <br />N � <br />B <br />Vl <br />C)7 <br />� <br />� <br />� <br />���' <br />L <br />C� �t <br />� <br />' �`+ <br />� <br />4� <br />� � <br />��b� <br />When Recorded Return To: <br />CharterWest National Bank <br />714 N Diers Avenue <br />Grand Island, NE 68803 <br />� D, 1 � `-��, G7 C!> <br />O --I <br />a �" C D' (V <br />r D, r, r� Z —1 <br />r � r r 1 —1 m O <br />_ U - � o <br />G ,- ' � � 7--' <br />, � <br />� ` _ � -i, z rv <br />' r� 'm . <br />: i 2 fn � <br />J� � �7 A � <br />� 1 „ —� r � -- .7 <br />��� �a� � r D <br />� �o �� Ul <br />_ �-,� W � <br />�"i • D C+J <br />,„ <br />c: a �, , r � � ,..� <br />ri �_ (� � � <br />a � � <br />cn <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />DEFIIVITIONS <br />MIN:100416700021137352 <br />Words used in multiple sections of this document aze defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document aze also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated August 31st , 2012 , <br />together with all Riders to this document. <br />(B) `Borrower" is Clarence G Smith and Brenda L Smith, husband and wife <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is CharterWest National Bank <br />Lender is a Corporation organized and existing under the laws of <br />the State of Nebraska . Lender's address is 714 N Diers Avenue Grand Island, NE 68803 <br />(D) �Trustee" is CharterWest National Bank 201 South Main Street PO Boz 288 West Point, NE <br />68788 <br />(E) ��MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting <br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this <br />Security Instrument MERS is organized and existing under the laws of Delaware, and has an address and <br />telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. <br />(F� "Note" means the promissory note signed by Borrower and dated August 31st , 2012 . The <br />Note states that Borrower owes Lender One Hundred Seventeen Thousand Three Hundred and 00/100 <br />Dollars (U.S. $117,300.00 ) plus interest. Boaowerhas <br />promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than <br />October 1, 2027 <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Properiy." <br />(� "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late chazges due <br />under the Note, and all sums due under tlus Security Instrument, plus interest. <br />(n "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders <br />are to be executed by Borrower [check box as applicable]: <br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider <br />❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify] <br />❑ 1-4 Family Rider ❑ Biweekly Payment Rider <br />(,n �Applicable Law" means a11 controlling applicable federal, state and local statutes, regulations, ordinances <br />and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable <br />judicial opinions. <br />NEBRASKA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 30281/Ol (page 1 of 9 pages) <br />12439.CV (9/11) 908278 Creative Tltink[ng, Inc. <br />C <br />'�� : +��� <br />GOTO(00 Ie760) <br />� ��J <br />