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<br />D E E D O F TRU ST MIN:100416700011853802
<br />DEFINITIONS
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<br />Words used in multiple sections oi'this document are defined below and other words are defined in Section5 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 Januar 7th 2011 , togeCher with
<br />all Riders to this document.
<br />(B) "Barrower" is Valentin Perez-Ocana, a single person
<br />L.ender
<br />(D) "Trustee" is CharterWest National Sank 201 South Main Street PO Sox 28�3 West Point, NE 68788
<br />Borrower is the trustor under this Security Tnstrument.
<br />(C) "Lender" is CharterWest National Bank
<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, NE 68803
<br />(�) "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. M�RS is the beneficiary 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 2026,
<br />Flint, MI 48501-2026, tel. ($SS) 679-MEKS.
<br />(F) "Note" means the promissory note signed by Borrower and dated January 7th 2011 , The Note
<br />states that Borrower owes Lender Twenty Ei�ht Thausand Five Hundred and 00/100
<br />Dollars (U.S. $ 28,500.00 ) plus interest. Bort'ower h�s promised
<br />to pay this debt in regular Periodic Payments and to pay the debt in full not later than February 1, 2026
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the I'roperty."
<br />(H) �cLaan" 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" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be
<br />execut�d 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 />(d) "Applieable 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) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other char�es fhat are
<br />�mposed on Borrower or the Property by a condominium association, homeowners association or similar orgamzation.
<br />(L) "Electronic Fnnds Transfer" means any transfer of funds, other than a transaction originated bycheck, draf�, or similar
<br />paper instrurnent, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as
<br />to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to,
<br />point-of-sale transfers, autornated teller rnachine 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) "Miscellaneaus Proceeds" means any compensation, settlement, award of damages, orproceeds paid byany third party
<br />(other than insurance proceeds paid under the coverages described in Section 5) for: (i) dama�e to, or destruction of, the
<br />Properiy; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance m heu of condemnation; or
<br />(iv) misrepresentations of, or omissions as ta, the value and/or condition of the Property.
<br />(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(P) ��Periodic Payment" means the regularly scheduled arnount due for (i) principal and interest under the Note, plus (ii)
<br />any amounts under Section 3 of this Security Instrument.
<br />NEBRASKA--Single l�amily--Fannie Mae/I'reddie Mac UNIGORM INS'1'RUMEN'C
<br />12439.CV (1/08) 904501
<br />(MEIi5) 1�'orm3028 1/Ol (page / ofSpages)
<br />Creative Thinking, Ine.
<br />GO'I'O(U0145203)
<br />Return To:
<br />CharterWest National Bank
<br />714 N Diers Avenue
<br />Grand Island, NE 68803
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