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<br />
<br />State of Nebraska DEED OF TRUST FHA Case No.
<br />321-2586484-703 703
<br />
<br />MIN: 100416700005911202
<br />
<br />THIS DEED OF TRUST ("Security Instrument") is made on October 24th , 2008
<br />The trustor is Rebecca A Cummins, a single person and Denae A Mazankowski, a single person
<br />
<br />("Borrower").
<br />
<br />The trustee is U.S. Bank Trust Company. National Association
<br />("Trustee"). The beneficiary is Mortgage Electronic
<br />Registration Systems, Inc. ("MERS") (solely as nominee for Lender, as hereinafter defined, and Lender's
<br />successors and assigns). MERS is organized and existing under the laws of Delaware, and has an address and
<br />telephone number of PO Box 2026, Flint, MI45801-2026, tel. (888) 679-MERS.
<br />CharterWest National Bank ,
<br />which is organized and existing under the laws of the State of Nebraska , and whose address is
<br />710 N Diers Avenue Suite M Grand Island, NE 68803 ("Lender").
<br />Borrower owes Lender the principal sum of Seventy Seven Thousand Three Hundred Four and 00/100
<br />Dollars (U.S. $ 77,304;00 ). This debt is
<br />evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for
<br />monthly payments, with the full debt, ifnot paid earlier, due and payable on November 01,2038
<br />This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with
<br />interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with
<br />interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the
<br />performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this
<br />purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following
<br />described property located in Hall County, Nebraska:
<br />
<br />The South Thirty and Four Tenths Feet (30.4') of Lot Four (4) and the North Twenty One and Six
<br />Tenths Feet (21.6') of Lot Six (6) all in Block Twenty-Four (24) in College Addition to West Lawn and
<br />Addition to the City of Grand Island, Hall County, Nebraska
<br />
<br />which has the address 00131 N Grand Island Ave
<br />
<br />l Street]
<br />Grand Island , Nebraska 68803 ("Property Address");
<br />[City] [Zip Code]
<br />
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all
<br />easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and
<br />additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security
<br />Instrument as the "Property". Borrower understands and agrees that MERS holds only legal title to the
<br />interests granted by Borrower in this Security Instrument; but, if necessary to comply with law or custom,
<br />MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of
<br />those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any
<br />action required of Lender including, but not limited to, releasing or canceling this Security Instrument.
<br />
<br />16256.CV (11/07) 902]21 Page I of5
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<br />Return To:
<br />CharterWest National Bank
<br />710 N Diers Avenue Suite M
<br />Grand Island, NE 68803
<br />
<br />GOTO(00098d83 )
<br />
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