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��12os2�� ♦ . Return recorded mortgage to: FHI,Banl� Topeka P.O. Bog 176 Topeka, KS 66601 Subordinate Mo�tgage THIS SUBORDINATE MORTGAGE (Mortgage) is made on July 30, 2012 by Samantha J Minne, A Single Person (Borrower). This Mortgage is given to the Federal Home Loan Bank of Topeka, a corporarion or�anize�l and existing under the laws of the United States of America, and whose address is One Security Benefit Pl. Ste. 100, Topeka, KS 66606, its successors and assigns (Lender). Borrower owes Lender the principal sum of Four Thousa.nd & 00/100ths Dollazs (U.S. $4,WO.QO). Tlvs debt is evidenced by Borrower's note dated the same date as this Mortgage (Note). The Note provides for no payments if the Bonower complies with the terms of the Note. The loan evidenced by the Note and secured by this Mortga�e (Loan) is being made pursuant to the Affordable Housing Program (AHP) as implemented by Lender (12 U.S.C. 1430(j); 12 CFR Part 1291). In addition to the Loan, Bonower obta.ined a mortgage loan (First Mortgage Loan) from Home Federal Savings and Loan Assn of Grand Island (Senior Lien Holder), which loan is secured by a first mortgage lien on the Properiy (First Mortgage). The documents evidencing or securing the First Mortgage Loan are collectively referred to herein as the First Mortgage Loan Documents. Tlus Mort�age secures to Lender the repaymem of the debt evidenced by the Note. For this purpose, Bonower irrevocably mortgages, gra�s and conveys to Lender and Lender's successors and assi�ns, with power of sa1e, subject to the rights of Senior Lien Holder under the First Mortgage, the following property, to-wit: The Easterly Twetriy-Seven (27) F�t of Lot Three (3), Block One Hundred Thirty-Suc (136) of Union Pacific Railway Co's Second Addition to the City of Grand Island, Hall County, Nebraska. (wluch has the address of: 109 E 9'� St, Grand Island NE 68801), to have and w hold this property unto Lender and Lender's successors and assigns, forever, all the improvemeuts now or hereafter erexted on the property, and all easements, appurtenances and fixtures now or hereafter a part of the property. All replacements and additions sha11 also be covered by this Mortgage. All of the fore�oing is referred to in tlus Mortgage as the Property. Borrower covenants that Borrower is lawfully seizetl of the estate hereby conveyed and has the right to mortgage, �rant and convey the Properiy and, except for the First Mortgage and other encumbrances of record acceptable to Senior Lien Holder, the Properiy is unencumbered. Borrower wanants and will defend generally the title to the Property against all claims and demands, subject to such encumbrances of record. 1. PAYMENTS. In the case of a sale or refinancing of the Properiy within five years of the date of the ATote (the Retention Period), an amount equal to a pro rata, share of the principal, reduced for every year Borrower owned the Property, shall be repaid to the Lender from any net gain realized upon the sale or refinancing, unless: (1) the Property was assisted with a petmane� mortgage loan funded by an AI� subsidized advance; (2) the Properiy is sold to a very low-, or low- or moderate-income household; or (3) following a refinancing, the Property corninues to be subject to a deed restriction or other legally enforceable retention agreement or mechanism. The Lender will have ultimate cornrol over any funds repaid by the Borrower pwsuant to tlris s�tion. Lender sha11 be given notice of any sale or refinancing of the Pro}rerty occurring prior to the end of the Retention Period. Provided that Borrower complies with the terms of the Note, the amourns due and payable under the Note shall not become due and payable, but shall Revised February 2011