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<br />[Space Above This Line For Recording Data[
<br />DEFINITIONS
<br />DEED OF TRUST MIN: 100416700010115625
<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 May 27th 2010 ,together with
<br />all Riders to this document.
<br />(B) "BarrOwer" is Jennifer S Stelk, a single person
<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. MERS is a separate corporation that is acting solely as a
<br />nominee far Lender and Lender's successors and assigns. MERS is the bene0ciary under this Security Instrument.
<br />M1rRS 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 May 27th 201.0 ,The Note
<br />states that Borrower owes Lender Sevent One Thousand Two Hundred and 00/100
<br />Dollars (U.S. $71,200.00,_,,,. )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 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 ® Flanned Unit Development Rider ^ Other(s) [specify]
<br />^ 1-4 Family Rider ^ Biweekly Payment Rider
<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 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 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 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 s0 as
<br />to order, instruct, or authorize a financial institution to debit ar 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) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, 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 />Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu afcondemnation; or
<br />(iv) misrepresentations of, or omissions as to, the value and/or condition of the 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 of this Security instrument.
<br />NEBRASICA--Single Family--Fannie Mae/Freddie Mac UNIFQRM INSTRUMEN"1" (MERS) Furm 3028 1/Ol (page 1 of8pages)
<br />12439.CV (11/07) 903826 Creative Thinking, Inc.
<br />GOTO(001013a 1)
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<br />Return To:
<br />CharterWest National Bank S
<br />714 N Diers Avenue
<br />Grand Island, NE 68803
<br />
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