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<br />
<br />DEED OF TRUST
<br />
<br />MIN: 100416700003564052
<br />
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<br />
<br />DEFINITIONS
<br />
<br />Words used in multiple sections ofthis document are defined below and other words are defined in Sections 3, II, 13, 18,20
<br />and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
<br />
<br />(A) "Security Instrument" means this document, which is dated June 28th
<br />all Riders to this document.
<br />(B) "Borrower" is Heather Rene Siemers and Richard L Siemers, husband and wife
<br />
<br />, 2007 ,together with
<br />
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is CharterWest National Bank .~__' Lender
<br />is a Corporation organized and existing under the laws of the State of Nebraska
<br />Lender's address is 710 N Diers Avenue Suite M Grand Island, NE 68803
<br />(D) "Trustee" is U.S. Bank Trust Come.any, National Association 111 S'Y Fifth_Avenue Portland, OR 97204
<br />
<br />-~
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc, MERS is a separate corporation that is acting solely as a
<br />nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument.
<br />MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026,
<br />Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated June 28th , 2007"_~,. The Note
<br />states that Borrower owes Lender One Hundred Eleven Thousand Seven Hundred F..~!y and 00/100
<br />Dollars (U.S. $111,750.00 ) plus interest. Borrower has promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in filII not later than July 1, 2037
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the
<br />Note, and all sums due under this Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be
<br />executed by Borrower [check box as applicable]:
<br />
<br />o Adjustable Rate Rider
<br />o Balloon Rider
<br />o 1-4 Family Rider
<br />
<br />o Condominium Rider
<br />o Planned Unit Development Rider
<br />o Biweekly Payment Rider
<br />
<br />o Second Home Rider
<br />IXI Other(s) [specifY] ~~rtgage
<br />,A~"dendum
<br />
<br />(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect oflaw) as well as all applicable final, non.appealable judicial opinions.
<br />(K) "Commu nity Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are
<br />imposed on Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(L) "Electronic Funds Transfer" means any transfer offunds, other than a transaction originated by check, draft, or similar
<br />paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as
<br />to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to,
<br />point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated
<br />clearinghouse transfers.
<br />(M) "Escrow Items" means those items that are described in Section 3.
<br />(N) "M iscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party
<br />(other than insurance proceeds paid under the coverages described in ,Section 5) for: (i) damage to, or destruction of, the
<br />Property; (ii) condemnation or other taking of all or any part ofthe Property; (iii) conveyance in lieu of condemnation; or
<br />(iv) misrepresentations of; or omissions as to, the value and/or condition of the Property.
<br />(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(P) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii)
<br />any amounts under Section 3 of this Security Instrument.
<br />
<br />NE8RASKA--Singlc Family--Fannie MaelFrcddie Mac UNIFORM INSTRUMENT
<br />12439,CV (1105) 901215
<br />
<br />(MERS)
<br />
<br />Form 3028 1101 (page I 0{8 pages)
<br />Creative Thinking, Inc.
<br />
<br />GOTO(0005dlc4)
<br />
<br />Return To:
<br />CharterWest National Bank
<br />710 N Diers Avenue Suite M
<br />Grand Island, NE 68803
<br />
<br />~~
<br />
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