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When Recorded Return To: <br />Charter West National Bank <br />714 N Diers Avenue <br />Grand Island, NE 68803 <br />DEFINITIONS <br />rn <br />z <br />Zote <br />rviek <br />(A) "Security Instrument" means this document, which is dated <br />together with all Riders to this document. <br />(B) "Borrower" is Eric K Phillips, a single person <br />_ti <br />n — c Z <br />�- rte- C`7 C: 2> --I <br />z -+ N <br />c7 r �-. C --1 rr7 i <br />cp C:3 Et9 <br />, 77.\,, rn "n :a. co F;.1) <br />r b <br />ca C.f ; j <br />rn rV A <br />{ 7 <br />cn co s <br />[Space Above This Line For Recording Data] <br />MIN: 100416700031155626 <br />DEED OF TRUST 34 -34 -6- 0201735 <br />NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE <br />APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS OR <br />ITS AUTHORIZED AGENT. <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 />December 1st , 2014 , <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is Charter West 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 />(D) "Trustee" is U.S. Bank Trust Company, National Association 111 SW Fifth Avenue Portland, OR <br />97204 <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 />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 December 1st , 2014 . The <br />Note states that Borrower owes Lender One Hundred Ten Thousand Four Hundred and 00 /100 <br />Dollars (U.S. $110,400.00 ) 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 />December 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 VA Rider NIFA <br />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 1 of 9 pages) <br />I2439.CV (6/13) 912165 Creative Thinking, Inc. <br />GOTO(00325c08) <br />O <br />