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<br /> (B) "Borrower" is Earl Tibbs AND Marlene Tib6s, HUSBAND AND WIFE, AS JOINT TENANTS.
<br /> Borrower is the trustor under this Sewriry Instrumen[.
<br /> (C) "Lender" is ACCESS NATIONAL MORTCACE. Lender is a corporation organized and existing
<br /> under the laws of the State of VIRCINIA. Lender's address is 1800 ROBERT FULTON DRIVE, SUITE 350,
<br /> RGSTON,VIRGINIA 20191.
<br /> (�) "Trustee" is ROBERT W. KRAFT.
<br /> (E) "MERS" is Mortgage Electronic Registratio� 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 lostrument. 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 /> (F) "Note" means the promissory note signed by Borrower and dated February 21, 2012. The Note states
<br /> [hat Borrower owes Lender One Hundred Thirteen Thousand Six Hundred Three And 00/100 Dollars (U.S.
<br /> $113,603.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the
<br /> debt in full not later than March 1,2042.
<br /> (G) "Property" means the property that is described below under the heading "Transfer of Rights in the
<br /> Property:'
<br /> (H) "Loan" means the debt evidenced by the Note,pWs interest, any prepayment charges and late charges due
<br /> under the Note,and all sums due under this Sewrity Instrument,plus interest.
<br /> (1) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following
<br /> Riders are to be executed by Borrower[check box as applicable]:
<br /> [ J Adjustahle Rate Rider [ ] Condominium Rider [ ] Second Home Rider
<br /> [ ] Balloon Rider [ ] Planned Unit Development Rider [ ] I-4 Family Rider
<br /> [X] VA Rider [ ] Biweekly Payment Rider [ ] Other(s)[specify]
<br /> (J) "Applicable Law"means all controlling applicable federal,state and local stawtes,regulations,ordinances
<br /> and administrative rules and orders (that have the effect of law) as well as all applica6le final, non-appealable
<br /> judicial opinions.
<br /> (K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other
<br /> charges that are imposed on Borrower or the Property by a condominium association, homeowners association or
<br /> similar organization.
<br /> (L) "Electronic Fuods Transfer" means any transfer of funds, other than a transaction originated by check,
<br /> draft,or similar paper instrument,which is initiated through an electronic terminal,telephonic instrument,computer,
<br /> or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such[erm
<br /> includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by
<br /> telephone,wire transfers,and automated clearinghouse transfers.
<br /> (M) "Escrow Items"means those items Ihat are described in Section 3.
<br /> (N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by
<br /> any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to,
<br /> or destruction of,the Property; (ii) condemnation or other taking of all or any part of the Property;(iii)conveyance
<br /> in lieu of condemnation;or(iv)misrepresentations of,or omissions as to,the value and/or condition of the I'roperty.
<br /> (0) "Mortgage losuraoce° means insurance protecting Lender against the nonpayment of, or default on, the
<br /> Loan.
<br /> NEBRASKA-Single Family-Fannie Mae/Freddic Mac UNIFORM INSTRI!31�NT WITH MERS Form 3028 1/01
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