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2�1204�03
<br />(G� "Lender" is USAA Federal Savings Bank
<br />Lender is a FEDER.ALLY CHARTERED SAVINGS BANK organized
<br />and existing under the laws of 'I'FIE tIl�IITED S°IA7.�'.S OF AMERICA •
<br />Lender'saddressis 10750 McDermott Freeway, San Antonio, Texas 78288
<br />(D) 'Trustee" is First American Title Insurance Company
<br />181 East 5600 South #330, Murray, Utah 84107
<br />(E) "MERS" is Mortgage Electronic Regisiration 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 Security
<br />Instrumen� MERS is organized and existing under the laws of Delaware, and has an address and telephone number
<br />of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />(� "Note" means the promissory note signed by Bonower and dated JUNE 11, 2 012 .
<br />The Note states that Bonower owes Lender ONE HLTNDRED FOUR THOUSAND ONE HLTNDRED
<br />NINETY-THREE AND 00/100 Dollars (U.S. $ 104, 193 . 00 )
<br />plus interest. Bonower has promised to pay this debt in regulaz Periodic Payments and to pay the debt in full not
<br />later than JULY 1, 2 0 4 2 .
<br />(G) 'Troperty" means the property that is descnbed below under the heading "Transfer of Rights in the Properly."
<br />(I� "Loan" means the debt evidenced by the Note, plus interest, any prepayment chazges and late chazges due under
<br />the Note, and all sums due under this Security Instrument, plus interest.
<br />(n 'Ztiders" means all Riders to this Security Instrument that are executed by Bonower. The following Riders are
<br />to be executed by Bonower [check box as applicable]:
<br />� Adjustable Rate Rider
<br />� Balloon Rider
<br />� 1-4 Family Rider
<br />� Condominium Rider
<br />� Planned Unit Development Rider
<br />� Biweekly Payment Rider
<br />� Second Home Rider
<br />� Other(s) [specify]
<br />VA Guaranteed Loan
<br />Policy Rider
<br />and Assumption
<br />(� "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial
<br />opinions.
<br />(I� "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges
<br />that are imposed on Bonower or the Property by a condominium association, homeowners association or similar
<br />organization.
<br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft,
<br />or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or
<br />magnetic tape so as to order, instruct, or authorize a financial institurion to debit or credit an account. Such term
<br />includes, but is not limited to, point-of-sale transfers, automated teller mactune transactions, transfers initiated by
<br />telephone, wire transfers, and automated clearinghouse transfers.
<br />(1Vn "Escrow Items" means those items that are described in Section 3.
<br />(1� "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any
<br />third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or
<br />destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in
<br />lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Properiy.
<br />NEBRASKA-Single Famfly-UNIFORM INSTRUMENT � Doeifaglc�
<br />MODIFIm FOR DEPARTMENT OF VETERANS AFFAIRS - MERS www.doanag/c.com
<br />(Rev. 1/01) Page2 of 14
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