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When Recorded Return To: <br />Charter West National Bank <br />714 N Diers Ave <br />Grand Island, NE 68803 <br />NEBRASKA Single Family - FHA Security Instrument <br />Form 94128 1/96 <br />Laser Forms Inc. (800) 446 -3555 <br />LFI #FHA94128 -MERS 9/11 <br />Page 1 of 7 <br />[Space Above This Line For Recording Data] <br />whose address is 1405 W 5th St <br />Grand Island, NE 68801 <br />The trustee is <br />Charter West National Bank 201 So Main St West Point NE 68788 <br />DEED OF TRUST <br />THIS DEED OF TRUST ( "Security Instrument ") is made on November 20, 2015 <br />is Tyler S Merchant AND Angelica R Merchant Husband and Wife <br />(I) <br />MIN: 1004167-0004001138-0 <br />FHA Case No. <br />321 - 3437839 -703 <br />Loan No: 923109 <br />Parcel ID: 400138697 <br />Initials J WI <br />. The grantor <br />( "Borrower "). <br />( "Trustee "). <br />The beneficiary is Mortgage Electronic Registration Systems, Inc. ( "MERS ") (solely as nominee for Lender, <br />as hereinafter defined, and Lender's successors and assigns). MERS is organized and existing under the laws <br />of Delaware, and has an address and telephone number of PO Box 2026, Flint, MI 48501 -2026, tel. <br />(888) 679 -MERS. Charter West National Bank, a Corporation <br />( "Lender ") <br />is organized and existing under the laws of The State of Nebraska <br />and has an address of 714 N Diers Ave <br />Grand Island, NE 68803 <br />Borrower owes Lender the principal sum of <br />One Hundred Twelve Thousand Eight Hundred Eighteen DOLLARS and Zero CENTS <br />Dollars (U.S. $ 112,818.00 ). This debt is evidenced by Borrower's note dated the same date as <br />this Security Instrument ( "Note "), which provides for monthly payments, with the full debt, if not paid <br />earlier, due and payable on December 1, 2045 . This Security Instrument secures to <br />Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and <br />modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to <br />protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and <br />agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants <br />and conveys to Trustee, in trust, with power of sale, the following described property located in <br />Hall County, Nebraska: <br />The South Half (S1 /2) of Lot Eight (8), Block Two (2), Wiebe's Addition to Grand Island, Hall County, <br />Nebraska <br />