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THIS DEED OF TRUST AA is Julio C lbarra Tapia AND r When Recorded Return To: Charter West National Bank 714 N Diers Ave Grand Island, NE 68803 [Space Above This Line For Recording Data] DEED OF TRUST ( "Security Instrument ") is made on October 30, 2015 Carla V Aleman Lopez Husband and Wife FHA Case No. 321 - 3434617 -703 whose address is 415 S Cherry Apt T3 Grand Island, NE 68801 The trustee is Charter West National Bank 201 So Main St West Point NE 68788 ( "Trustee "). The beneficiary is Mortgage Electronic Registration Systems, Inc. ( "MERS ") (solely as nominee for Lender, as hereinafter defined, and Lender's successors and assigns). MERS is organized and existing under the laws of Delaware, and has an address and telephone number of PO Box 2026, Flint, MI 48501 -2026, tel. (888) 679 - MERS. Charter West National Bank, a Corporation is organized and existing under the laws of The State of Nebraska and has an address of 714 N Diers Ave Grand Island, NE 68803 Borrower owes Lender the principal sum of One Hundred Seventeen Thousand Eight Hundred TwentySix DOLLARS and Zero CENTS Dollars (U.S. $ 117,826.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ( "Note "), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on November 1, 2045 . This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in Hall County, Nebraska: Lot Two (2), in Martin Subdivision, in the City of Grand Island, Hall County, Nebraska NEBRASKA Single Family - FHA Security Instrument Form 941281/96 Laser Forms Inc. (800) 446 -3555 LFI #FHA94128 -MERS 9/11 Page 1 of 7 Initials: . Sr 6M Cr) MIN: 1004167- 0004001105 -9 Loan No: 922994 Parcel ID: 400060841 . The grantor ( "Borrower "). ( "Lender ")