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201204354 (C) "Lender"isHome Federal Savings and Loan Assn of Grand Island Lender is a Savi ngs and Loan 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 Lender's address is 221 South Locust St Grand Isl and NE 68801- Lender is the beneficiary under this Se,curity Instrument. (D} "Trustee" is Arend R Baack, Attorney (E) "Note" means the promissory note signed by Borrower and dated May 30 . 2012 . The Note states that Borrower owes Lender NINETY FIVE THOUSAND TWO HUNDRED AND 00/100 Dollazs (U.S. $95 , 200 . 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than June 1, 2042 . (� "Property" means the groperty that is described below under the heading "Transfer of Rights in the Property." CG) "�oan" 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 inter�t. (H� "Riders" means all Riders to t�is �cvrity Instrument that are e�aecuted by Borrower. T'tie following Riders are ta be exe�cuted by Bonower [cfieck box as applic�bleJ: Q t�djustable Rate Ricter Q Condominium Rider � Second Hvme Rider Q Ba1I�n Rider � PlaIIned Unit DeveIopment Rider � 1-4 Family Rider 0 VA Rider Q�iweekly Payment Rider � Other(s) [specifyJ (p "Applicable Law" means all controiling applicable federal, state and local statutes, regulations, ordinances anct administrative ruIes and orders (that have the effect of law) as well as all applicable final, non-appealable jtulicial opinions. (J1 "Community Association Dues, Fees, and AssessrrFBnts" means alI dues, fe,es, assessments and other chazges that aze imposed on Borrower or the Property by a condominium associarion, homeowners association or similar organization. (K) "Electror�ic Funds Transfer" means any transfer of funds, other than a transacrion originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, co�uter, or magnetic tape so as to order, instruct, or authorize a financial insritution 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 clearinghouse transfers. (L) "Escrow Items" means those items that are described in Secrion 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proc,eeds paid by any third party (other than insurance proceeds paid under the coverages described in S�tion 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of a11 or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condirion of the Property. NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financlal Services Form 3028 1 /01 VMP61NE1 (1105) Page 2 of 17 M:�C