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<br />DEFINITIONS
<br />DEED OF TRUST
<br />MIN: 100416700010042423
<br />Gf p . So
<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 28th ~~, 2010 ,together with
<br />all Riders to this document.
<br />(B) "Borrower" is Adam L Schmaderer, a single person and Catherine A Manser, 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 />Fender'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 for Fender 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, MI 4$501-2026, tel. ($88) 679-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated May 28th 2010 .The Note
<br />states that Borrower awes Lender One Hundred Sevent Six Thousand and 00/100
<br />Dollars (U.S. $176 000.00 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) "Caen" 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 ^
<br />^ Balloon Rider ^
<br />^ 1-4 Family Rider ^
<br />Condominium Rider
<br />Planned Unit Development Rider
<br />Biweekly Payment Rider
<br />^ Second Hame Rider
<br />^ Other(s) [specify]
<br />(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administratwe 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 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 so as
<br />to order, instruct, or authorize a financial institution 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 />(M) "Escrow Items" means those items that are described in Section 3.
<br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, ar proceeds paid byanythird party
<br />(other than insurance proceeds paid under the coverages described in Section S) for: (i) damage to, or destruction of, the
<br />Property; (ii) condemnation or other taking afall 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 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 />NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3028 1/01 (page 1 of8pages)
<br />12439.CV (11107) 903795 Creative'I'hinking, Inc.
<br />GOTO(00 ] O l 884)
<br />Return Ta:
<br />CharterWest National Bank
<br />714 N Diers Avenue
<br />Grand Island, NE 68803
<br />Space Above This Line For Recording Data
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