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<br />Recording Requested ]3y & Return To:
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<br /> Chicago Title ServiceLink Division ~" ~'
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<br /> 4000 Industrial Blvd ~ "
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<br /> Aliquippa, PA 15001
<br /> e~~oove This Line For Recording Data
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<br /> DEED OF TRUST MIN: looa167oooo91s2ss2
<br /> NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE ~ N
<br /> APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS ~'
<br /> OR ITS AUTHORIZED AGENT.
<br /> DEFINITIONS
<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 />(A) "Security Instrument" means this document, which is dated January 15th ~~, ~ 2010 ,together with
<br />all Riders to this document.
<br />(l3) "Borrower" is Kecia Kay Spofford and Scott C Spofford, wife and husband
<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 714 N Diers Avenue Grand Island NE 68803
<br />(D) "Trustee" isCharterWest National Bank 201 South Main Street West Point, NE 68788
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MFRS 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, ML 48501-2026, tel. (888) 679-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated Januar 15th 2010 .The Note
<br />states that Borrower owes Lender One Hundred Twent Seven Thousand Five Hundred Fift and 00/100
<br />Dollars (U,S. $127,550.00 _) plus interest. Borrower has promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than Februar 1, 2040
<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 />^ Adjustable Rate Rider ^ Condominium Rider ^ Second Home Rider
<br />^ Balloon Rider ^ Planned Unit Development Rider ^X Other(s) [specify] VA Rider
<br />^ 1-4 Family Rider ^ Biweekly Payment Rider
<br />(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulatiohs, ordinances and
<br />administrative rules and orders (that have the effect of law) 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 thatare
<br />imposed on Borrower or the Property by a condominium association, homeowners association or similar organization.
<br />(L) "Electronic Funds Transfer" means anytransfer offends, other than a transaction originated bycheck, 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 -nstitution 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 />(i~l) "Escrow Items" means those items that are described in Section. ~.
<br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award ofdamages, or proceeds paid byanythird party
<br />(other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the
<br />Froperty; (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 />(O) "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 />NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFQRM INSTRUMENT (MERS) Form 3028 t/Ol (page / ~f8 pages)
<br />12439.CV (I1/a7) 903430 Creative Thinking, Inc.
<br />GOTO(OOOc60b7)
<br />Return To:
<br />CharterWest National Bank
<br />714 N Diers Avenue
<br />Grand Island, NE 68803
<br />
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