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<br />p <br />:- <br />~ <br />I <br /> <br /> '" ~2V> .'.:> m <br /> ER <::::> o (J1 ~ <br /> <=> <br /> ,>" ClQ 0-1 <=I <br /> C n ::J: ::3 C J> <br /> Z 2-1 N :0 <br />~~ C '" ~,~' =0 -lrt1 m <br />en -<:: -<0 0 0 <br />.. ~ o " <=I ):- <br />ncn en <br />:l";::I: ~ CD -"'z <br /> r co z <br /> 0 :x: Pl <br /> rT1 -n p 0:) 0 ~ <br /> /"1 ::3 r :::0 <br /> 0 .1> ....t: <br /> Ii/> Vl C <br /> C0 ;:>I: N s: <br /> l> m <br /> N ..........,.,'~ -..:J Z <br /> CJ1 C/') --f <br /> c..u Z <br /> en 0 <br /> <br />N <br />($I <br />S <br />(Xl <br />S <br />.po. <br />N <br />-.J <br />W <br /> <br />(Space Above This Line For Recording Data) <br /> <br />DEED OF TRUST <br /> <br />~IN: 100416700005022885 <br /> <br />~ <br />c <br />C-O <br /> <br />DEFINITIONS <br /> <br />Words used in multiple sections ofthis document are defined below and other words are defined in Sections 3, 11,13, 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 ~egan J Barnard, a single person <br /> <br />~ay 15th <br /> <br />, 2008 , 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 Company, National Association 111 SW Fifth Avenue Portland, OR 97204 <br /> <br />(E) "~ERS" 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 ~ay 15th ,2008 . The Note <br />states that Borrower owes Lender Seventy Seven Thousand Three Hundred and 00/100 <br />Dollars (U .S. $77,300.00 ) plus interest. Borrower has promised <br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than June 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 />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 />!XI Other(s) [specifY] Mortgage <br />Addendum <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 char~es 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) "~isceIIaneous 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 of the Property. <br />(0) "~ortgage 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 Mae/}'reddie Mae UNU'ORM INSTRUMENT <br />12439,CV (I 1/07) 901773 <br /> <br />(MERS) <br /> <br />Form 3028 1I0 I (page I of 8 pages) <br />Creative Thinking, Inc. <br /> <br />GOTO(00080cf2) <br /> <br />Return To: <br />CharterWest National Bank <br />710 N Diers Avenue Suite M <br />Grand Island, NE 68803 <br /> <br />~~ <br />