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.._ <br />__ <br />��� <br />� <br />� <br />�� <br />0 � <br />� ��. <br />�, .��■ <br />0 �_ <br />W ..�� <br />� _� <br />�� <br />.�� <br />�� <br />..�� <br />..�� <br />�� <br />i <br />�-� <br />�k� ;, <br />�;i <br />� ,; <br />i i <br />� <br />� <br />o � � <br />� � n� � c � � <br />� � � � � � <br />� p 1 t" '� -�G o C.� <br />� � t,� Q � ,N+ <br />� � � z <br />� = rn F--• <br />� -� A tn p <br />� � . 3 r- �o <br />� t" Z+ -v <br />�\ ° C� � ; c„� <br />c� ° � �.:n F-+ <br />�.' ��� ..•� '� <br />� <br />[Space Above This Line For Recording Data] <br />MIN:100416700016218910 <br />�, <br />s�� <br />�. <br />When Recorded Return To: <br />CharterWest National Bank <br />714 N Diers Avenue <br />Grand Island, NE 68803 <br />DEED OF TRU5T <br />NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE <br />APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS OR <br />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, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated September 30th , 2011 , <br />together with all Riders to this document. <br />(B) uBorrower" is Johnny P Heredia and Blanca L Heredia, husband and wife <br />Borrower is the trustor under this Security Instrument. <br />(G� "Lender" is CharterWest National Bank <br />Lender is a Corporation organized and ea�isting under the laws of <br />the State of Nebraska . Lender's address is 714 N Diers Avenue Grand Island, NE 68803 <br />(D) "Trustee" is U.S. Bank Trust Companv, National Association 111 SW Fifth Avenue Portland, OR <br />97204 <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting <br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under tlus <br />Security Instrumen� MERS is organized and existing under the laws of Delaware, and has an address and <br />telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. <br />(F� "Note" means the promissory note signed by Bonower and dated September 30th , 2011 . The <br />Note states that Borrower owes Lender One Hundred Thirteen Thousand Two Hundred Twenty Five and <br />00/100 Dollars (LJ.S. $113,225.00 ) plus interest. Borrower has <br />promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than <br />October 1, 2041 <br />(G) uProperty" means the property that is described below under the heading "Transfer of Rights in the <br />Property. <br />(� "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and lafe charges due <br />under the Note, and all sums due under this Security Instrument, plus interest. <br />(n "Riders" means all Riders to ttus Security Instrument that are executed by Borrower. The following Riders <br />are to be executed 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 VA Rider & NIFA <br />Mortgage Addendum <br />(� uApplicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances <br />and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable <br />judicial opinions. <br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 30281/Ol (page 1 of 9 pages) <br />12439.CV (9/11) 906272 CresUve Thinldng, Inc. <br />vJ � � <br />� <br />• •��' � � <br />` ` � � •�' <br />\ �.r / <br />, <br />