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�■ <br />� <br />N � <br />B � <br />� � <br />� � <br />e <br />CO �� <br />� �� <br />� <br />� <br />�� <br />� <br />I� <br />iRa <br />. <br />� <br />� <br />� <br />� <br />When Recorded Return To: <br />CharterWest National Bank <br />714 N Diers Avenue <br />Grand Island, NE 68803 <br />°� I <br />� <br />� <br />e �� <br />m �� I� <br />�m <br />� � <br />� �, � <br />a.R <br />�.,: <br />�� z� <br />�� <br />� <br />r <br />� <br />� <br />� <br />�� <br />D <br />r � <br />r "' r.' <br />c': r'. <br />o �. <br />z � <br />m <br />� <br />� � <br />-� <br />m <br />� <br />° �_,� <br />v ` <br />e� � <br />o s <br />� <br />[Space Above This Line For Recording Data] <br />DEED OF TRUST <br />DEFINITIONS <br />� <br />� cs in <br />'"' p —1 <br />� C D <br />�,.� Z —� <br />� � m <br />� o <br />N <br />- o <br />� <br />� <br />0 <br />� <br />O �1 <br />� z <br />= rn <br />n� m <br />r� <br />r D. <br />� <br />� <br />n <br />: c» <br />cn <br />MIN:100416700015277487 <br />Words used in mulriple sections of ttus document aze defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regazding the usage of words used in this document aze also provided in <br />Section 16. <br />(A) "Security Instrument" means this document, which is dated December Znd , Z011 , <br />together with a11 Riders to this document. <br />(B) uBorrower" is Debra S Larson Starkey, a single person <br />Borrower is the 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 Nebraska . Lender's address is 714 N Diers Avenue Grand Island, NE 68803 <br />(D) "Trustee" is CharterWest National Bank ZOl 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 beneficiary under this <br />Security Instrument 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 />(� "Note" means the promissory note signed by Borrower and dated December 2nd , 2011 . The <br />Note states that Borrower owes Lender One Hundred Sizteen Thousand Four Hundred and 00/100 <br />Dollars (LT.S. $116,400.00 ) plus interest. Borrower has <br />promised to pay this debt in regular Periodic Payments and to pay the debt in full not later thau <br />January 1, 2042 <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />(� uLoan" means the debt evidenced by the Note, plus interest, any prepayment charges 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 aze 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 <br />(� "Applicable 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—FannYe Mae/Freddie Mac iJNIFORM INSTRUMENT (MERS) Form 30281/01 (page 1 of 9 pages) <br />12439.CV (9/11) 905872 Creative Thinking, Inc. <br />G OOlabfl3) <br />O <br />f1J <br />O <br />F--► <br />F—+ <br />0 <br />C� <br />0 <br />� <br />� <br />u <br />, 1�1 <br />� <br />,, <br />_ �: <br />w <br />�� .� � <br />� <br />