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<br />DEED OF TRUST
<br />
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<br />~IN: 100416700002752591
<br />
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<br />
<br />DEFINITIONS
<br />
<br />Words used in multiple sections of this 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
<br />all Riders to this document.
<br />(B) "Borrower" is Amber M Friesen, a single person
<br />
<br />December 7th
<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 1837 23rd ~treet Columbus, NE 68601
<br />(D) "Trustee" is U.S. Bank Trust Company, National Association III SW Fifth Avenue Portland, OR 97204
<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, MT 48501-2026, tel. (888) 679-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated December 7th 2007 . The Note
<br />states that Borrower owes Lender Seventy One Thousand Sl::ven Hundred Fifty and 00/100
<br />Dollars (U.S. $71,750.00 ) plus interest. Borrower has promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than January 1,2038
<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 />D Adjustable Rate Rider
<br />D Balloon Rider
<br />D I -4 Family Rider
<br />
<br />D Condominium Rider
<br />D Planned Unit Development Rider
<br />D Biweekly Payment Rider
<br />
<br />D Second Home Rider
<br />~ Other(s) [specifY]
<br />~-~~~
<br />Form E-1, MortZAZp Arlrlendum
<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) "Community 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) "Miscellaneous 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 of the Property; (iii) conveyance in lieu of condemnation; or
<br />(iv) misrepresentations of, or omissions as to, the value and/or condition ofthe 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 ofthis Security Instrument.
<br />
<br />NEBRASKA..Single Family--Fannie MacIFrcddic Mac UNIFORM INSTRUMENT
<br />12439.CV (i 1/07) 900908
<br />
<br />(MERS)
<br />
<br />Form 3028 1101 (page I 018 pages)
<br />Creative Thinking, Inc.
<br />
<br />GOTO(0006d98c)
<br />
<br />Return To:
<br />CharterWest National Bank
<br />1837 23rd Street
<br />Columbus, NE 68601
<br />
<br />4L-
<br />
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