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N <br />W <br />G <br />co <br />0) <br />When Recorded Return To: <br />CharterWest National Bank <br />714 N Diers Avenue <br />Grand Island, NE 68803 <br />12439.CV (9/11) 910729 <br />CZ <br />[11 <br />n Cr) <br />-1 <br />r <br />- .:,-) <br />r <br />Cr) <br />[Space Above This Line For Recording Data] " <br />MIN: 10041670002733 <br />7956 <br />DEED OF TRUST <br />NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE <br />APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS OR <br />ITS AUTHORIZED AGENT. <br />DEFINITIONS <br />Words used in multiple sections of this document are 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 are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated November 13th , 2013 , <br />together with all Riders to this document. <br />(B) "Borrower" is Troy L Ruhl and Patricia A Ruhl, 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 />S <br />(D) "Trustee" is CharterWest National Bank 201 South Main Street PO Box 288 West Point, NE <br />Ma 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 />�` -� rn 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 November 13th , 2013 . The <br />Note states that Borrower owes Lender One Hundred Twenty Two Thousand Five Hundred Eighty and <br />en 00 /100 Dollars (U.S. $122,580.00 ) plus interest. Borrower has <br />C promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than <br />December 1, 2043 <br />H (G) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due <br />under the Note, and all sums due under this Security Instrument, plus interest. <br />(I) "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 - Family Rider ❑ Biweekly Payment Rider VA Rider <br />(J) "Applicable Law" means all 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 30281/01 (page 1 of 9 pages) <br />Creative Thinking, Inc. <br />GOTO(002c3828) <br />7 i <br />1 <br />a <br />