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<br />DEED OF TRUST MIN: 100416700012454253
<br />NOTICE: THIS LOAN IS NUT ASSUMABLE WITHOUT THE
<br />APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS
<br />OR ITS AUTHORIZED AGENT.
<br />DEFINTTIONS
<br />Words used in multiple sections of this 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 Noveamber 24th , 2010 , togetherwith
<br />all Riders to this dacument.
<br />(B) "Borrower" is Brandon L Bennett and Kelsi A Sennett, husband and wife
<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, N E 68803
<br />(D) "Trustee" is CharterWest National B�nk 201 South Main Street PO Sox 28$ West Point, NE 687$$
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a
<br />nominee for L,ender and Lender's successors and assigns. MERS is the beneficiary under this 5ecurity Instrument.
<br />MERS is organized and existing under the laws ofDelaware, and has an address and telephone number ofP.O. Box 202fi,
<br />Flittt, MI48S01-2026, tel. (888) 679-MERS.
<br />(F) ��Note" means the promissory note signed by Borrower and dated November 24th , 2010 . The IVote
<br />states that Borrower owes Lender One Hundred Fifty Six 'I`housand Seven Hundred Twenty Nine and 00/100
<br />Dollars (U.S. $156,729.00 ) plus interest Borrower has promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than December 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 chargas 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 ❑ 5econd Home Rider
<br />❑ Balloon Rider ❑ Planned Unit Development Rider � Other(s) [specify] VA Rider
<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) "Cammunity Association Dues, Fees, and Assessments" means all dues, fees, assessments and other chaz that are
<br />impased on Borrower or the Property by a condominium association, horneowners association or similar orgamzation.
<br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, ar similar
<br />paper instrument, which is initiated throu�h an electronic ternunal, telephonic instrument, computer, ar magnetic tape so as
<br />to order, instruct, or authorize a financial mstitution to debit or credit an account. Such term includes, but ►s not l�mited to,
<br />point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfeis, and automated.
<br />c1earinghouse transfers.
<br />(M) "Escrow Items" means those items that are described in Section 3.
<br />(N) "Miscellaneous Proeeeds" means any compensation, settlement, award of damages, orproceeds paid by anythird party
<br />(other than insurance proceeds paid under the coverages described in Section 5) for: (i) dama�e to, or destruction of, the
<br />Property; (ri) condemnation or nther taking of all or any part of the Property;(iii) cnnveyance m lieu of condemnation; or
<br />(iv) misrepresentations of, or omissions as to, the value and/or condition ofthe Property.
<br />(0) "Mortgage Insurance" means insurance protecting T.,ender against the nonpayment of, or default on, the Loan.
<br />(P) "Periodic Payment" means the regularly schedu1ed 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
<br />i2a3acv �vns) soa���
<br />(MERS) Form3028 1/Ol (page 1 of8 pages)
<br />Creative Thinking, Ine.
<br />GOTO(0013d989)
<br />Return To:
<br />CharterWest National Sank
<br />714 N Diers Avenue
<br />Grand Island, NE b8803
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