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When Recorded Return To: <br />Charter West Bank <br />714 N Diers Ave <br />Grand Island, NE 68803 <br />m <br />Z <br />Rt <br />n r1 <br />(Space Above This Line For Recording Data] <br />DEED OF TRUST <br />THIS DEED OF TRUST ( "Security Instrument ") is made on January 22, 2016 <br />is Zane M Brown A Single Person AND Chelsea L Stueben A Single Person <br />whose address is 1320 N Huston <br />Grand Island, NE 68803 <br />The trustee is <br />U.S. Bank Trust Company, National Association 111 SW Fifth Ave. Portland, OR 97204 <br />NEBRASKA- Single Family - FHA Security Instrument <br />Form 94128 1/96 <br />Laser Forms Inc. (800) 448 -3555 ZM `� n l <br />LFI #FHA94128 -MERS 9/11 Page 1 of 7 Initials: l <br />1N) <br />MIN: 1004167- 0004001260 -2 <br />FHA Case No. <br />321 - 3446411 -703 <br />Loan No: 923211 <br />Parcel ID: 400091976 <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 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 FiftyFive Thousand Six Hundred TwentyEight DOLLARS and Zero CENTS <br />Dollars (U.S. $ 155,628.00 ). 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 February 1, 2046 . 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 />Lot Five (5), Block Eleven (11), Sheridan Place, an Addition to the City of Grand Island, Hall County, <br />Nebraska <br />