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<br />DEED OF TRUST MIN: 100416700010688712
<br />DEFINlTIONS
<br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, I 1,13,18, 20
<br />and 21. Certain rules regarding the usage of words used in tMs document are also provided in Section 1d.
<br />(A) "Security Instrument" rneans this document, which is dated December 17th 2010 , together with
<br />all Riders to this document.
<br />(B) "Borrower" is Du$ue E. Spale and Janet R. Spale, as husband and wife
<br />Borrower is the trustor under this 5ecuriry Instniment.
<br />(C) "Lender" is CharterWest National Bank . �n��
<br />is aCarporation organized and existing under the laws of the State of Nebraska
<br />Lender's address is 5955 S. Sbth Street Suite 7 Lincoln, NE 68516
<br />(D) "Trustee" is CharterWest Nadonal Bank 201 South Main Street P� Sox Z88 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 Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument.
<br />M�RS is organized and existing under the laws of Delaware, and has an address and telephonc number of P.O. Box 2026,
<br />Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />(� "Note" means the promissory note signed by Borrower and dated December 17th � 2010 ,'T'he Note
<br />states that Borrower owes Lender One Hundred $ix Four Thausand and 00/100
<br />Dollars (U.S. $ 164,000.00 ) plus interes� Hvrrawer has promised
<br />to pay this debt in regular Periodic Payments and to pay thc d�bt in full not later than January 1, 20Z6
<br />(G) "Property" means the property that is described below under the heading `"Transfer of Rights in the Prnperty."
<br />(I� �°Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the
<br />Note, and a11 sums due under this Security Instrument, plus interest.
<br />(I) ��Riders" means all Riders to this Security Instrument that are executed by Borrower. `1'he following Riders are to be
<br />executed by Borrawer [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 Farnily Rider ❑ Biweekly Payment Rider
<br />(.n "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrat�ve rules and orders (that have the effect af law) as well as all applicable $nal, non-appealable�udicial apinions.
<br />(K) "Community Aasociation Dues, Fees, and Assessments" means all dues, fees, assessments and other char�es that are
<br />imposed on Borrower or the Property by a condominium association, homeawners association or similar orgamzation.
<br />(L) "Electronic Funds Tranafer" means any transfer af funds, pther than a transaction originated by check, draft, or similar
<br />paper instrument, which is initiated throu�h an electronic ternrinal, telephonic instrument, computer, or magnetic tape so as
<br />ta order, instruct, or authorize a fxnancial mstitution to debit qr credit an account. Such term includes, but is not lim�ted to,
<br />point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated
<br />clearinghause transfers.
<br />(M) "Escrow Items" means those items that are described in Section 3.
<br />(N) "MiscellaneousPraceeds"meansanycnmpensation,settlement,awardofdamages,orprpceedspaidbyanythu'dparty
<br />(nther than insuranae prnceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction o� the
<br />Property; (ii) condemnation or other taking af all or any part of the Properiy,(iii) conveyance �n lieu of condemnation; or
<br />(iv) misrepresentations o� ar amissions as to, the value ancUar condition ofthe Property.
<br />(0) °�Mortgage Insurance" means insurance protecting L,ender against the nonpayment of, or default on, the I.oan.
<br />(P) "Periodic Payment" means the regularly scheduled ampunt due for (i) principal and interest under the Note, plus (ii)
<br />any amounts under Section 3 af this Security Instrument.
<br />NEBRASKA—Single Family--�'annie Mae/Freddie Mac iJNIFORM INS7'RUMENT
<br />12439.CV (1/08) 9D4043
<br />(MERS) Form 3028 U01 (page 1 of 8 pages)
<br />Creative Thinking, Ine.
<br />GOTO(00142529)
<br />Return To:
<br />CharterWest National Bank
<br />5955 S. Sbth Street Suite 7
<br />Lincoln, NE 68516
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