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201201011 (F) "Property"means the properry that is described below under the heading"Transfer of Rights in the Property." (G) 'Zoan"means the debt evidenced by the Note,plus interest,any prepayment charges and late charges due under the Note,and all sums due under this Security Instrument,plus interest. (H) "Riclers°means all Riders to this Secarity Tnstrument that are executed by Borrower.The following Riders are to be executed by Borrower[check box as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ 1-4 Family Rider ❑ VA Rider ❑ Biweekly Payment Rider ❑ Other(s)[specify] (I) Applicable Luw"means all controlling applicable federal,state and local statutes,regulations, ordinances and administrative rules and orders(that have the effect of law)as well as all appticable final,non-appealable judicial opinions. (J) "Comrraunity Association Dues,Fees,and Assessments"means all dues,fees,assessments and other charges that are imposed on Borrower or the Property by a condominium association,homeowners association or similar organization. (K) "Electronic Funds Transfer"means any transfer of funds,other than a transaction originated by check,draft,or similar paper instrument,which is initiated through an electronic terminal,telephonic instrument,computer,or magnetic tape so as to order,instruct,or authorize a financial institution to debit or credit an account.Such term includes,but is not limited to,point-of-sale transfers,automated tel ler machine transactions,transfers initiated by telephone,wire transfers,and automated clearinghouse transfers. (L) "Escrow Items"means those items that are described in Section 3. (M) "Miscelluneous Proceeds"means any compensation,settlement,award of damages,or proceeds paid by any third party(other than insurance proceeds paid under the coverages described in 5ection 5)for:(i)damage to,or destruction of,the Properiy;(ii)condemnation or other taking of all or any part of the Property;(iii)conveyance in lieu of condemnation;or(iv)misrepresentations of,or omissioi�s as to,the value and/or conditiou of the Property. (N) "Mortgage Insurance"means insurance protecting Lender against the nonpayment of,or default on,the Loan. (0) "Periodic Payment°means the regularly scheduled amotmt due for(i)principa]and interest under the Note,plus(ii)any amounts under Section 3 of this Security Instrument. (P) "RESPA"means the Rea1 Estate Settlement Procedares Act(12 U.S.C.Section 2601 et seq.)and its implementing regulation,Regulation X(24 C.F.R.Part 3500),as tbey might be amended from time to time,or any additional or successor legislation or regulation that governs the same subject matter.As used in this Security Instrument,RESPA refers to al I requirements and restrictions that are imposed in regard to a"federally related mortgage loan"even if the Loan does not qualify as a "federally related mortgage loan"under RESPA. 1165950510 NEBRASKASingle Famity-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Fonn 3028 1l01 09/10 VMP� f 1 / Wollers Kluwer Financiel Services 201202014,0.0.0.4002-J20110209Y Initials v ` I Page 2 of 16 `HL017659 101123' IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII