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[Space Above This Line for Recording Data] State of Nebraska DEED OF TRUST FHA Case No. 321.2594014-703703 ~IN: 100416700006191424 October 30th 2008 THIS DEED OF TRUST ("Security Instrument") is made on The trustor is Ryan SMarr and Charity M Marr, husband and wife ("Borrower"). The trustee is CharterWest National Bank ("Trustee"). The beneficiary is Mortgage Electronic Registration Systems, Inc. ("MERS") (solely as nominee for Lender, as hereinafter defined, and Lender's successors and assigns). MERS is organized and existing under the laws of Delaware, and has an address and telephone number of PO Box 2026, Flint, MI 45801-2026, tel. (888) 679-MERS. CharterWest National Bank which is organized and existing under the laws ofthe State of Nebraska , and whose address is 710 N Diers Avenue Suite M Grand Island, NE 68803 ("Lender"). Borrower owes Lender the principal sum of Ninety Two Thousand Three Hundred Twenty Three and 00/100 Dollars (U.S. $ 92,323.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for monthly payments, with the full debt, ifnot paid earlier, due and payable on November 01, 2038 This Security Instrument secures to Lender; (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in Hall County, Nebraska: Lot One (1), Weber Subdivision, Cairo, Hall County, Nebraska which has the address of612 Oasis Place ----' Cario [Street] ("Property Address"); , Nebraska 68824 ~~ ~~~ TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property". Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument; but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing or canceling this Security Instrument. 16256.CV (11/07) 902240 Page I of 5 o N o o CO C) CD I-" en o m ~ :c m CJ ~ en m -I :D C :s:: rn ~ :z o ~ ~IJ"-- ~o ~~f/\- Return To: CharterWest National Bank 710 N Diers Avenue Suite M Grand Island, NE 68803 GOTO(00099884 )