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lOYSIS9 y TO <br />When Recorded Return To: <br />Charter West Bank <br />20041 Manderson St., Suite B <br />Elkhorn, NE 68022 <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />c <br />CD <br />Loan No: 949517 <br />MIN: 1004167-0004012171-8 <br />Parcel ID: 400429357 <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 November 23, 2021 <br />together with all Riders to this document. <br />(B) "Borrower" is <br />Stacia L Ritter A Single Person <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 <br />Grand Island, NE 68803 <br />(D) "Trustee" is Charter West Bank <br />201 South Main Street, P.O. Box 288, West Point, NE 68788 <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 />r^' <br />NEBRASKA - Single Family - Fannie Mae/Freddi <br />INSTRUMENT <br />FORM 3028 1/01 Initials: <br />Laser Forms Inc. #FNMA3028-MERS 5/05 <br />ac UNIFORM <br />Page 1 of 13 <br />viii <br />IlJ <br />II 0 I <br />