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201202520 (C) "Lender" isU.s. Baak N.A. Lender is a National Association organized and existing under the laws of The United states of America Lender's address is 4801 Frederica 3treet, Owensboro, KY 42301 (D) "Trustee" is Mr. Thomas Locher 2002 Douglas Street, 200 The Omaha Club, Omaha, NE 68102 (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is t6e beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delawaze, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (F) "Note" means the promissory note signed by Borrower and dated 03/26/2012 . The Note states that Borrower owes Lender Two Hundred Fifty—Four Thousand and 00/100ths Dollars (U.S. $254, 000. 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than April 01, 2027 . (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " (H) "Loan" 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. (l) "Riders" means a11 Riders to this Security Instrument that aze executed by Borrower. The following Riders aze to be executed by Borrower [check box as applicable]: 0 Adjustable Rate Rider � Condominium Rider 0 Second Home Rider � Balloon Rider 0 Planned Unit Development Rider 0 1-4 Family Rider � VA Rider � Biweekly Payment Rider 0 Other(s) [specify] (J) "Applicable Law" means a11 controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (K) "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. (L) "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 ttansfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated cleazinghouse transfers. (M) "Escrow Items" means those items that aze described in Section 3. 2200229406 NEBRASKA•Single Family-Fannle Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS VMP � Wolters Kluwer Financial Servicea D VBANE Form 30�8 1l01 VMP6AINE) (1105) Page 2 of 17 � '