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<br />DEED OF TRUST Mi�v 100416700011356947
<br />DEFIN I7'ION S
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<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 1 b.
<br />(A) °�Security Instrument" means this document, which is dated October 13th , 2010 , together with
<br />all Riders to this document.
<br />(B) °`Borrower" is �ewel L Kleeb �/k/a dewel Louise Hofrichter Kleeb, a single person
<br />Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is CharterWest National Bank . l.ender
<br />is aCorporation _ organized and existing under the laws of the State ot Nebraska
<br />Lender's address is 714 N Diers Avenue Grand Island, NE 68803
<br />(D) "Trustee" is CharterWest National Bank 201 South Main Street West Point, NE 6$788
<br />(E) "M�RS" is Mortgage Electronic Registratian Systems, Inc. MERS is a separate carporation that is acting solely as a
<br />naminee for l..ender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument.
<br />MERS is organized and existin�; under the laws of Delaware, and has an address and telephone number of P.O. Box 2026,
<br />Flint, MI 4$501-2026, tel. (888) G79-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated October 13th � 2010 , The Note
<br />states that Borrower owes Lender One Hundred Twelve Thousand and 00/100
<br />Dollars (U.S. $ 112�000.00 ) plus interest. Borrower has promised
<br />to pay this debt in regular Periodic Payrr►ents and to pay the debt in full not later than November 1, 2040
<br />(G) "Property" means the property that is described below under the heading "Transfer af 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" ineans all Riders to this Security Instrument that are executed by Barrower. 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 ❑ 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 oflaw) as well as all applicable �inal, 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 Froperty by a condominium association, homeowners association or similar organization.
<br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, 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, ar 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 Prpceeds" means any compensation, settlement, award afdamages, or proceeds paid byanythird party
<br />(other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, ar destruction of, the
<br />Property; (ii) condemnation or other taking of all or any part ofthe Property; (iii) conveyance in lieu of condernnatian; or
<br />(iv) misrapresantations of, or omissions as to, the value and/or condition ofthe Property.
<br />(0) "Mortgage Insurance" means insurance protecting �,ender against the nanpayment of, or default on, the Loan.
<br />(P) "Periodic Payment" means the regularly scheduled amount dua for (i) principal and interest under the Nate, plus (ii)
<br />any amounts under Section 3 of this Security Instrument.
<br />NF,BRASKA--Singlc Family--Fannie Mae/Freddie Mac IJNIFORM INS"1'IiUMENT
<br />12439.CV (1/08) 904314
<br />(MERS) Form 3028 1/Ol (puge 1 of 8 pages)
<br />Creative Thinking, Inc.
<br />G01'U(0012f6G3)
<br />Return To:
<br />CharterWest National Bank
<br />714 N Diers Avenue
<br />Grand Island, NE 68803
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