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0 - <br />0 <br />cn <br />When Recorded Return To: <br />Charter West Bank <br />714 N Diers Ave <br />Grand Island, NE 68803 <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />NEBRASKA - Single Family - FHA Security Instrument - MERS <br />FORM 3028 9/14 <br />Laser Forms Inc. #FHA3028MERS 6/15 Page 1 of 14 <br />Initials' _M <br />N <br />—3 <br />L.7 <br />Loan No: 926006 <br />MIN: 1004167- 0004002362 -5 <br />Case No: 321 - 3540222 -703 <br />Parcel ID: 400436724 <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in <br />Sections 3, 10, 12, 17, 19 and 21. Certain rules regarding the usage of words used in this <br />document are also provided in Section 15. <br />(A) "Security Instrument" means this document, which is dated February 24, 2017 <br />together with all Riders to this document. <br />(B) "Borrower" is Matthew Allen Zulkoski AND Andrea Jane Zulkoski Husband and Wife <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is Charter West Bank <br />Lender is a Corporation <br />organized and existing under the laws of The State of Nebraska <br />Lender's address is 714 N Diers Ave, Grand Island, NE 68803 <br />(D) "Trustee" is Charter West Bank 201 So Main St West Point NE 68788, 201 South Main <br />Street, P.Q. Box 288, West Point, NE 68788 <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation <br />that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the <br />beneficiary under this Security Instrument. MERS is organized and existing under the laws of <br />Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. <br />(888) 679 -MERS. <br />(F) "Note" means the promissory note signed by Borrower and dated February 24, 2017 <br />The Note states that Borrower owes Lender <br />One Hundred SixtyFour Thousand Nine Hundred Seven DOLLARS and Zero CENTS <br />Dollars (U.S. $ 164,907.00 ) plus interest. Borrower has promised to pay this debt in <br />regular Periodic Payments and to pay the debt in full not later than March 1, 2047 <br />