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When Recorded Return To: Charter West National Bank 714 N Diers Avenue Grand Island, NE 68803 - m e Z n v rn 3, � n • _ Matthew J Koperski and Mandy M Koperski, husband and wife s cr Cam r N co 0 tv [Space Above This Line For Recording Data] MIN: 100416700031253967 DEED OF TRUST 702000987 DEFINITIONS 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 Section 16. (A) "Security Instrument" means this document, which is dated July 28th , 2014 together with all Riders to this document. (B) "Borrower" is Borrower is the trustor under this Security Instrument. (C) "Lender" is Charter West 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 Charter West 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 July 28th , 2014 . The Note states that Borrower owes Lender Sixty Nine Thousand Six Hundred Sixty Eight and 00 /100 Dollars (U.S. $69,668.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than August 1, 2044 (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 (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 3028 1/01 (page 1 of pages) 12439.CV (6/13) 912200 Creative Thinking, Inc. GOOTOO(000030�c28811)