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<br />[Space Above This Line for Recording Data]
<br />DEED OF TRUST
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<br />FHA Case No.
<br />321-2991585 703
<br />MIN:100416700009615148
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<br />THIS DEED OF TRUST ("Security Instrument") is made on March 4th , 2011
<br />The trustor is Christopher M Koozer and Amy T Koozer, husband and wife
<br />("Borrower").
<br />The trustee is CharterWest National Bank
<br />("Trustee"). The beneficiary is Mortgage Electronic
<br />Registration Systems, Ina ("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 PO Box 2026, Flint, MI 45801-2026, tel. (888) 679-MERS.
<br />CharterWest National Bank
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<br />which is organized and existing under the laws of the State of Nebraska , and whose address is
<br />714 N Diers Avenue Grand Island, NE 68803 ("Lender").
<br />Borrower owes Lender the principal sum of One Hundred Sixty Six Thousand One Hundred Eighty Two
<br />and 00/100 Dollars (U.S. $166,182.00 ). This debt is
<br />evidenced by Borrower'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 Apri101, 2041
<br />This Security Instrument secures to Lender: (a) the repayrnent 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 Securiry Instrument; and (c) the
<br />performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this
<br />purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following
<br />described property located in �all County, Nebraska:
<br />Lot Two (2), LARUE Subdivision, in the City of Grand Island, Hall County, Nebraska
<br />which has the address of 1223 Sagewood Ave
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<br />[street]
<br />Grand Island , Nebraska 68803 ("Property Address");
<br />[City] [Zip Code]
<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. All of the foregoing is referred to in this Security
<br />Instrument as the "Property". Borrower understands and agrees that MERS holds only legal title to 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: to exercise any or all of
<br />those interests, including, but not limited to, the right to foreclose and sell the Property; 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) 903622 Page 1 of 5
<br />Return To:
<br />CharterWest National Bank
<br />714 N Diers Avenue
<br />Grand Island, NE 68803
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<br />GOTO(001520d4)
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