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When Recorded Return To: <br />Charter West Bank <br />714 N Diers Ave <br />Grand Island, NE 68803 <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is Charter West Bank <br />23 <br />m <br />z <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <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 January 20, 2016 <br />together with all Riders to this document. <br />(B) "Borrower" is <br />Brett J Dubbs AND Hayley S Dubbs Husband and Wife <br />Lender is a Corporation <br />organized and existing under the laws of <br />Lender's address is 714 N Diers Ave <br />Grand Island, NE 68803 <br />(D) "Trustee" is Charter West Bank 201 So Main St West Point NE 68788 <br />NEBRASKA- Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 3028 1/01 <br />Laser Forms Inc. (800) 448.3555 <br />LFI #FNMA3028 -MERS 9/11 Page 1 of 13 <br />The State of Nebraska <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 />Initial <br />.46) <br />N) <br />I <br />Loan No: 923363 <br />MIN: 1004167- 0004001244 -6 <br />Parcel ID: 400153149 <br />