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When Recorded Return To: CharterWest National Bank 714 N Diers Avenue Grand Island, NE 68803 [Space Above This Line For Recording Data] MIN: 100416700023309330 DEED OF TRUST iNc NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS OR ITS AUTHORIZED AGENT. rn DEFINITIONS --1 rn Words used in multiple sections of this document are 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 rn Section 16. C (A) "Security Instrument" means this document, which is dated December 11th , 2012 , H together with all Riders to this document. (B) "Borrower" is Kecia Kay Spofford and Scott C Spofford, wife and husband 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 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 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. (F) "Note" means the promissory note signed by Borrower and dated December 11th , 2012 . The Note states that Borrower owes Lender One Hundred Twenty Four Thousand Five Hundred Fifty and 00/100 Dollars (U.S. $ 124,550.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than January 1, 2043 (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (I) "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 VA Rider (J) "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 INSTRUMENT (MERS) Form 30281/01 (page I of 9 pages) 12439.CV (9/11) 909133 Creative Thinking, Inc.