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<br />State of Nebraska
<br />
<br />[Space Above This Line for Recording Data]
<br />
<br />FHA Case No.
<br />321-2656160-703703
<br />
<br />~IN: 100416700007046825
<br />
<br />April 3rd 2009
<br />
<br />~tr."::
<br />'t
<br />
<br />DEED OF TRUST
<br />
<br />THIS DEED OF TRUST ("Security Instrument") is made on
<br />The trustor is Ryan C Gates and Ashley L Gates, husband and wife
<br />
<br />("Borrower").
<br />
<br />The trustee is CharterWest National Bank
<br />
<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 />714 N Diers Avenue Grand Island, NE 68803 ("Lender").
<br />Borrower owes Lender the principal sum of One Hundred Fifteen Thousand Eight Hundred Sixty Two
<br />and 00/100 Dollars (U.S. $ 115,862.00 ). 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 ~ay 01, 2039
<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 />Lot Fifteen (15), Block Twenty (20) in Scarffs Addition to West Lawn in Grand Island, Hall County,
<br />Nebraska
<br />
<br />which has the address 0[1702 N Taylor Ave
<br />
<br />[Street]
<br />Grand Island , Nebraska 68803 ("Property Address");
<br />ICity] [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) 902586 Page I 01'5
<br />
<br />Return To:
<br />CharterWest National Bank
<br />714 N Diers Avenue
<br />Grand Island, NE 68803
<br />
<br />(};J-L! Q
<br />
<br />GOTO(000b3894)
<br />
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