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<br />[Space Above Thrs Line for Recording Data]
<br />DEED OF TRUST
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<br />PHA Case No.
<br />321-2963900 703
<br />MIN:10041b700012552833
<br />THIS DEED OF TRUST ("Security Instrument") is made on November 2ath , 2010
<br />The trustor is Fredy A Arauz_and RuthN. Arqueta De Arauz, husband and wife
<br />("Borrower").
<br />The trustee is CharterWest National Bank
<br />("Trustee"). The beneficiary is Mortgage Blectronic
<br />Registration Systems, Inc. ("MERS") (solely as nominee for Lender, as hereinafter defined, and Lender's
<br />successors and assigns). MERS is organized and existing under the laws of Delaware, and has an address and
<br />telephone number of PQ Box 2026, Flint, MI 45801-2026, tel. (888) 679-MERS.
<br />CharterWest National Bank
<br />which is organized and existing under the laws of the State of Nebr�ska , and whose address is
<br />714 N Diers Avenue Grand Isl�nd, NE 68803 ("Lender").
<br />Sorrower owes Lender the principal sum of Ninety Seven Thousand Four Hundred Sixty Five and 00/100
<br />Dollars (U.S. $ 97,465.00 ). This debt is
<br />cvidenced by Bocrower's note dated the same date as this Security Instrument ("Note"), which provides for
<br />monthly payments, with the full debt, if not paid earlier, due and payable on December O1, 2040
<br />This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with
<br />interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with
<br />interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the
<br />performance of Borrower's covenants and agreements under this Security Instxument and the Note. For this
<br />purpose, Borrower irrevocably grants and conveys ta Trustee, in trust, with power of sale, the following
<br />described property located in Hall County, Nebraska:
<br />Lot Eleven (11), Block Two (2) ot Island Acres Number 2, being a replat of Lots One (1), Two (2),
<br />Three (3), Five (5), Six (6) and Seven (7) in Island Acres, a Subdivision in the City af Grand Island,
<br />Hall County, Nebraska.
<br />which has the address of 3024 W 13th St
<br />[street]
<br />Grand Island , Nebraska 68803 ("Property Address");
<br />[City]
<br />[Zip Code]
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<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all
<br />easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and
<br />additions shall also be covered by this Security Instrument. A11 of the foregoing is referred to in this Security
<br />Instrument as the "Property". Borrower understands and agrees that MERS holds only legal title tp the
<br />interests granted by Borrower in this Security Instrument; but, if necessary to comply with law or custom,
<br />MERS (as nominee for Lender and Lender's successors and assigns) has the right: ta exercise any or all of
<br />those interests, including, but not limited to, the right to foraclose and sell the Praperty; and to take any
<br />action required of Lender including, but not limited to, releasing or canceling this Security Instrument.
<br />16256.CV (11/07) gpq77g Page 1 of 5
<br />Return To:
<br />CharterWest National Sank
<br />71a N Diers Avenue
<br />Grand Island, NE b8803
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<br />GOTO(0013d973)
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