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20120209G (C� "Lender" is POINTS WEST COMMUNITY BANK•SIDNEY I 80 Lender is a CORPORATION organized and existing under the laws of THE STATE OF NEBRASKA Lender's address is 420 GLOVER RD, PO BOX 167, SIDNEY, NE 89182 Lender is the beneficiary under this Securiry Iastrument. �(D) "Trustee" is POINTS WEST COMMUNITY BANK (E) "Note" mea.r►s the promissory note signed by Borrower and dated o3�16 . The Note sta[es that Boirower owes Lender FORTY FOUR THOUSAND ONE HUNDRED NINETY AND N01100 Dollars (U.S. $ q�,tso.ao ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later tha.n 03•16•2097 , (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 ttte Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Securiry Instrument tha.t are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: 0 Adjustable Raxe Rider 0 Condominium Rider 0 Second Home Rider 0 Balloon Rider � Planned Unit Development Rider 0 1-4 Family Rider 0 VA Rider � Biweekly Payment Rider 0 Other(s) [specify] (1) "Applicable Law" meaas all controlling applicable federal, state and local statutes, regulations, ordina.nces and administrative rules and orders (that have the effect of law) as well as all applicable fival, non-appealable judicial opinions. (J) "Community 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, wluch is initiated through an electronic terminal, telephonic instrument, computer, or magaetic tape so as to order, instruct, or authorize a financial iastitution 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 clea.ringhouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" meaas any compensation, settlement, award of damages, or proceeds paid by any third parry (other than insurance proceeds paid under the coverages described in 5ection 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other ta.king of all or any part of the Propeny; (ui) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or coadition of the Property. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP O VMPB(NE) (1105),00 Wolters Kluwer Financial Services P88e Z a� 1�