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�� <br />- <br />�� <br />0 <br />� � <br />� �� <br />� <br />� — <br />0 <br />� � <br />� <br />.�� <br />�� <br />.�� <br />� <br />('1 � <br />� � <br />�� <br />rv <br />� y� ~ Q --I O <br />� r � z � � <br />� `� —'� ,,�� � O <br />O � � � � � <br />r'�rm _. � � z F...a <br />�� � x m <br />cn � D m O � <br />� --i r � <br />� � r D -�7 � <br />� �� � � � � <br />0 �� v �`�. D � <br />� � � �� � <br />� � � � � � <br />[Space Above This Line For Recording Data] <br />MIN:100416700016281470 <br />P � <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 />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words aze 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 October 21st , 2011 , <br />together with a11 Riders to this document. <br />(B) "Borrower" is �Y D Gibson and Teresa A Gibson, husband and wife <br />Borrower is tUe trustor under this Security Instrument. <br />(C) "Lender" is CharterWest National Bank <br />Lender is a Corporation organized and existing under the laws of <br />the State of Nebras . Lender's address is 714 N Diers Avenue Grand Island, NE 68803 <br />(D) "Trustee" is CharterWest National Bank 201 South Main Street PO Boz 288 West Point, NE <br />68788 <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 benef ciary under this <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, NII 48501-2026, tel. (888) 679-MERS. <br />(F� "Note" means the promissory note signed by Borrower and dated October 21st , ZOl l. The <br />Note states that Borrower owes Lender One Hundred Seventy Two Thousand Five Hundred Eighty Two <br />and 00/100 Dollars (U.S. $172,582.00 ) plus interest. Bonower has <br />promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than <br />November 1, 2041 <br />(G) "Property" 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 chazges and late charges due <br />under the Note, and all sums due under this Security Instrument, plus interest. <br />(n "Riders" means all Riders to this 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 ❑ 5econd Home Rider <br />❑ Balloon Rider � Planned Unit Development Rider � Other(s) [specify] <br />❑ 1-4 Family Rider ❑ Biweekly Payment Rider VA Rider <br />(,n 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 iJNIFORM INSTRUMENT (MERS) Form 30281/Ol (page 1 of 9 pages) <br />12439.CV (9/11) 906293 CreatYve Tlunldng, Inc. <br />< <br />�, ' � <br />� � � �� <br />GO� 19e5 a) <br />� <br />