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<br />DEED OF TRUST m�N :100416700011838803
<br />NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE
<br />APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS
<br />OR ITS AUTHORIZED AGENT.
<br />DEFIN ITION S
<br />Words used in multiple sections ofthis document are defined below and pther words are defined in Sections 3, ] 1,13,18, 20
<br />attd 21. Certain rules regarding the usage of words used in this document are also provided in Section I G,
<br />(A) "Security Instrument" means this dacument, which is dated October 12th , 2010 , together with
<br />all Riders to this document.
<br />(B) �Borrawer" is Steven G Kostman, a single person
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is CharterWest National Bank
<br />is a Corporation organized and existing under the laws of the State of Nebraska
<br />L,ender's address is 714 N Diers Avenue Grand Island, NE 6$$03
<br />(D) "Trustee" is CharterWest National Bank 201 South Main Street West Point, N� 68788
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<br />L.ender
<br />(E) "M�RS" is Martgage Electronic Registration Systems, Inc. MERS is a separate corparation that is acting solely as a
<br />nominee for Lender and Lender's successors and assi�ns. MERS is the beneticiary 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 2Q26,
<br />Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />(F) "Note" means the prpmissory note signed by Borrower and dated October I2th � 2010 . The Note
<br />states that Borrower owes Lender Ei ht Ei ht Thousand Seven Hundred and 00/100
<br />Dollars (U.S. $ 88,700.00 ) plus interest. Borrower has promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than November 1, 2040
<br />(G) "Aroperty" means the property that is described below under the heading "�'ransfer of Rights in the Property."
<br />(H) "Loan" means the debt evidenced by th� Note, plus interest, any prepayment ahar�;es and late charges dua under the
<br />Note, and all sums due under this Security Instrument, plus interest.
<br />(1) "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 ❑ Cpndaminium Rider ❑ Second Home Rider
<br />❑ Balloon Rider ❑ Planned Unit Development Rider X❑ Other(s) [specify] VA Rider
<br />❑ 1-4 Family Rider ❑ Biweekly Fayment Rider
<br />(J) "Applicable Law" means al) controllin r applicable federal, state and local statutes, regulations, ordinances and
<br />administratrve rules and orders (that have the e�ect 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 nr the Praperty by a condominium association, homeowners association or similar organization.
<br />(L) "Electronic Funds Transfer" means any transfer offunds, other than a transaction originated by check, draft, or similar
<br />paper instrument, which is initiated throu�h an electronic tarminal, telephonic instrument, computer, or magnetic tape so as
<br />to order, instruct, or authnrize a finanaal mstitution to debit or credit an account. Such term includes, but is not limited to,
<br />point-of-sale transfers, automated tellcr 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, settlament, award of damages, or proceeds paid by anythird party
<br />(other than insurance proceeds paid uttder the coverages described in Section S) for: (i) damage to, or destruction of, the
<br />Property; (ii) candemnation or other taking of all or any part of the Property; (iii) conveyance in lieu af condemnation; or
<br />(iv) misrepresentations of, or omissions as to, the value and/ar condition ofthe Property,
<br />(0) "Mortgage Insurance" means insurance protecting L,ender against the nonpayment af, or default on, the Loan.
<br />(P) "Pcriodic 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 1NS'I'RUMFNT
<br />12439.CV (I/08) 904495
<br />(MERS) Form 3028 1/Ol (page 1 af8ppges)
<br />Creative Thinking, Inc.
<br />CiOTO(D012edf I )
<br />Return To:
<br />CharterWest National Bank
<br />714 N Diers Avenue
<br />Grand Island, NE 68803
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