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20�200i5f (C) "Lender"isHome Federal Savings and Loan Assn of Grand Island Lender is a Savi ngs and Loan organized and existing under the laws of T h e S t a t e 0 f N e b r a s k a Lender's address is 221 South Locust St Grand I sl and NE 68801- Lender is the beneficiary under this Security Insmiment. (D) "Trustee" is Arend R Baack. Attorney (E) " N ote" means the promissory note signed by Borrower and dated D e c e m b e r 3 0, 2 O 11 . The Note statesthatBorrowerowesLender NINETY TWO THOUSAND AND 00/100 Dollars (U. S. $ 92 , 0 0 0. 0 0 ) plus interest. Bonower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than F e b r u a r y 1, 2 0 2 7 . (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property " (G) "Loan" means the debt evidenced by the Note, plus interest, any prepaymeat charges and late charges due under the Note, and all sums due unc�er this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Tnstrument that aze executea by Bonower. The following Riders are to be executed by Borrower [check bax as applicable]: 0 Adjustable Rate Rider 0 Conclo�xrinium Rider 0 Second I�ome Rider 0 Batloon Rider 0 Pla�me.ct Unit Development Rider O 1-4 Faanily Rider Q VA Rider 0 Biwcekly Payment Rider 0 Other(s) [specify] (p "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances azcd administrarive rules and orciers (that have the effect of law) as well as all applicable final, non-appeatable judiciai opimons. (J� "Commun'rty Association Dues, Fees, and Assessments" means ail dues, fees, assessments a� other charges that are imposed on Borrower or the Property by a condominium associarion, homeowners association or similar organizarion. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is iniriated through an electronic terminal, telephonic instrument, computer, or magneric tape so as to order, instruct, or authorize a financial insritution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that aze described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third patty (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnarion; or (iv) misrepresentations of, or omissions as to, the '°`' value andlor condition of the Property. � NEBRASKA-Single Famlly-Fannle Mee/Freddie Mac UNIFORM INSTRUMENT • ' Form 3028 1/01 VMP � VMP6(NE) (1105) Wolters Kluwer Financial Services Page 2 af 17