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When Recorded Return To: <br />CharterWest National Bank <br />714 N Diers Avenue <br />Grand Island, NE 68803 <br />State of Nebraska <br />which has the address of 3010 Gladstone Circle <br />Grand Island , Nebraska 68803 <br />[City] [Zip Code] <br />16256.CV (9/11) 909325 Page 1 of 5 <br />t <br />[Space Above This Line for Recording Data] <br />DEED OF TRUST <br />CI THIS DEED OF TRUST ( "Security Instrument ") is made on February 22nd , 2013 <br />338 <br />� The trustor is Robert M Krolikowski and Sheila M Krolikowski, husband and wife <br />( "Borrower "). <br />r*7 The trustee is CharterWest National Bank <br />( "Trustee "). The beneficiary is Mortgage Electronic <br />M Registration Systems, Inc. ( "MERS ") (solely as nominee for Lender, as hereinafter defined, and Lender's <br />successors and assigns). MERS is organized and existing under the laws of Delaware, and has an address and <br />telephone number of PO Box 2026, Flint, MI 45801 -2026, tel. (888) 679 -MERS. <br />CharterWest National Bank <br />alc <br />which is organized and existing under the laws of the State of Nebraska <br />and whose address is <br />i 714 N Diers Avenue Grand Island, NE 68803 ( "Lender "). <br />Borrower owes Lender the principal sum of One Hundred Sixty Eight Thousand Eight Hundred Eighty <br />Four and 00 /100 Dollars (U.S. $ 168,884.00 ). This debt is <br />evidenced by Borrower's note dated the same date as this Security Instrument ( "Note "), which provides for <br />monthly payments, with the full debt, if not paid earlier, due and payable on March 01, 2043 <br />This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with <br />interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with <br />interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the <br />performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this <br />purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following <br />described property located in Hall County, Nebraska: <br />Lot Seventeen (17), Kentish Hills Subdivision, in the City of Grand island, Hall County, Nebraska <br />[Street] <br />( "Property Address "); <br />—rl <br />rri <br />O <br />0) <br />0) <br />FHA Case No. <br />321- 3212372 703 <br />MIN: 100416700023805840 <br />GOTO(00260068) <br />( R S - 1 1 - . <br />3 I .00 <br />