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<br />When Recorded Return To:
<br />CharterWest National Bank
<br />714 N Diers Avenue
<br />Grand Island, NE 68803
<br />State of Nebraska
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<br />[Space Above This Line for Recording Data]
<br />DEED OF TRUST
<br />FHA Case No.
<br />321-3057739 703
<br />MIN:100416700014366935
<br />THIS DEED OF TRUST ("Security Instrument") is made on November lst , 2011
<br />The trustor is Katherine A Wichman, a single person
<br />("Borrower").
<br />'The trustee is U S Bank Trust Company, National Association
<br />("Trustee"). The beneficiary is Mortgage Electronic
<br />Registration Systems, Inc. ("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 ,
<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 Ninety Five Thousand Eight Hundred Ninety Nine and
<br />00/100 Dollars (U.S. $ 95,899.00 ). This debt is
<br />evidenced by Boirower'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 November O1, 2041
<br />This Security Instrument secures to Lender: (a) the repayment 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 Security 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 tnxst, with power of sale, the following
<br />described property located in Hall County, Nebraska:
<br />All of Lot Thirteen (13) and part of Lot Fourteen (14) in the Re-Subdivision of Block Four (4),
<br />Second Addition to Holcomb's Highway Homes Subdivision, in the City of Grand Island, Hall
<br />County, Nebraska, that part of said Lot 14, being more particularly described as follows: Beginning
<br />at the iron stake which marks the common corner of Cochin Street of Lots 13 and 14, thence in a
<br />Southwesterly direction along the common line between said lots to a stake which marks the common
<br />corner of Lots 13,14,16,2, and 3; thence in a Northeasterly direction to a point which would be 95.0
<br />feet Southwesterly along the common line between said Lots 13, 14, and 20 feet Northwesterly at
<br />right angles to said lot line; thence Northeasterly a distance of 95.0 feet on a line parallel with said
<br />common line between said Lots 13 and 14 to a point where said line intersects with Cochin Street;
<br />thence Southeasterly along the curved line separating said Lot 14 and Cochin Street, a distance of
<br />20.0 feet to the Place of Beginning.
<br />which has the address of 2226 Cochin St
<br />[ Slreet]
<br />Grand Island , Nebraska 68801 ("Property Address");
<br />[City] [Zip Code]
<br />16256.CV (9/11) 905481 Page 1 of 5
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