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When Recorded Return To: <br />Charter West National Bank <br />714 N Diers Avenue <br />Grand Island, NE 68803 <br />m <br />-n <br />c <br />= Z <br />n ® <br />rnT+ <br />DEED OF TRUST <br />• n <br />m • to <br />[Space Above This Line For Recording Data] <br />MIN: 100416700029878452 <br />rte, <br />C> C!) <br />C:: J _, Q <br />N) "r <br />rn'1 C7 <br />_3 c c1t <br />cn <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 August 26th , 2014 , <br />am together with all Riders to this document. <br />▪ (B) "Borrower" is Joel E Brown, a single person, Danielle N Sterling, a single person and Lisa K <br />Z Sterling, a single person <br />1'l Borrower is the trustor under this Security Instrument. <br />=' (C) "Lender" is Charter West National Bank <br />- .4 ▪ Lender is a Corporation organized and existing under the laws of <br />s/3 the State of Nebraska . Lender's address is 714 N Diers Avenue Grand Island, NE 68803 <br />• (D) "Trustee" is U.S. Bank Trust Company, National Association 111 SW Fifth Avenue Portland, OR <br />55 97204 <br />y (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 26th , 2014 . The <br />Note states that Borrower owes Lender One Hundred Ten Thousand Eight Hundred Seventy Eight and <br />00 /100 Dollars (U.S. $ 110,878.00 ) plus interest. Borrower has <br />( promised to pay this debt in regular Periodic Payments and to pay the debt in full not later ,than <br />September 1, 2044 <br />(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 -4 Family Rider ❑ Biweekly Payment Rider NIFA Addendum <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 3028 1 /01 (page I of 9 pages) <br />12439.CV (6/13) 911681 Creative Thinking, Inc. <br />GOTO(00315790) <br />bb <br />