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20120367 <br />(C) "Lender"isHome Federal Savings and Loan Assn of Grand Island <br />Lender is a Savi ngs and Loan <br />organized and existing under the laws of T h e S t a t e o f N e b r a s k a <br />Lender's addr�s is 221 South Locust St Grand Isl and NE 68801- <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is Arend R Baack, Attorney <br />(E? "Note" means the promissory note signed by Bonower and dated May 03 , 2012 . The Note <br />statesthatBonowerowesLender ONE HUNDRED FORTY FIVE THOUSAND SIX HUNDRED <br />AND 00/100 <br />Dollars (LJ.S. $145 , 600 . 00 ) plus interest. Bonower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than J u n e 1. 2 0 42 . <br />(F1 "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property." <br />(G) "�oan" means the debt evidenced hy the Note, plus interest, any prepayment charges and late charges due <br />under the Note, anc� all sums due under this Security Instrument, plus interest. <br />(H) "Riders" means all Riders to this Security Instrument that are executed by Borcower. The foliowring Riders <br />are to � eRecut�d by Borrower [check box as applicablej: <br />� Adjvstable Rate Rider 0 Condominium Rider 0 Second Home Rider <br />0 Balloon Rider 0 F1aE►ned Unit Development Rider 0 I-4 Family Rider <br />0 YA Rider ��iweekly Payment Rider 0 Uther(s) [specifyj <br />(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances <br />and administrative rules and orders (that have the effect of law) as well as all applicable fuial., non-appealable <br />judicial opinions. <br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other <br />" charges that aze imposed on Borrower or the Property by a condominium association, homeowners <br />. _ association or similar organization. <br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, <br />draft, or simila.r paper instrument, which is initiated through an el�tronic terminal, telephonic instrument, <br />computer, or magneric tape so as to order, instruct, or authorize a financial institution to debit or credit an <br />account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine <br />transactions, transfers iniriated by telephone, wire transfers, and automated clearinghouse iransfers. <br />(L) "Escrow Items" means those items that are described in Section 3. <br />(M) "Miscellaneous Proceeds" means any compensation, settlement, awazd of damages, or proce�ds paid by <br />any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) <br />damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the <br />Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or or�issions as to, the <br />value and/or condirion of the Property. <br />NEBRASKA-Single Famlly-Farmie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP Q <br />Waiters Kluwer Financial Services <br />Form 3028 1/01 <br />VMP6(NEI (11051 <br />Page 2 of 17 <br />=�,i;�� <br />