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201206703 (C) "Lender"isHome Federal Savings and Loan Assn of Grand Island Lender is a Savi ngs and Loan organized and existing uncter the laws of Th e St ate o f N e b r a s k a Lender's address is 221 South Locust St Grand Isl and NE 68801- I.en�er is the beneficiary under this Security Instrument. (D) "Trustee" is Arend R Baack. Attorney (Ey " Note" means the promissory note signed by Borrower and dated A u g u s t 0 8, 2 012 . The Note statesthatB�rrowerowesLender THIRTY TWO TFfOUSAND THREE HUNDRED FIFTY AND aoirao I3oilars (U.S. $ 32 . 350 _ 0 0 ) plus irnerest. Borrower has promis�d to pay this debt in reguiar Periodic Payments a� to pay the cFebt in full not later than September 1, 2022 . lFl "E'r'operiY" means the pmperty that is described below urn�er the fieading "'Fransfer of Rights in the Ty,,..� w riv (G) "Loan" me�as the d�t e�idenc�d by the l�ote, ple�s interest, anY P�PaYment �haTges and late charg� c�ue under the Note, and alt sums due vnder this Security Instrument, plus urter�t. tH) "Ri�fers" me�ns a1t Riders to tiiis Security Instrument thai ate executed by Borrower. The following Riders are to � e�e,cuted by Bonower [check box as applicablej: � Adjustable Rate Ric�er � Condominium Rider 0 Secornl H�me Rider � Ball,00a Rider 0 Pia�ed Unit Development Ri�er 0 1-4 Fa�mly Ricter � VA Rider 0�iweekly Payment Rider Q Other(s) [specifYj t!) "�4pRlicable taw" means all controlling apPlicable federat, state and la�l statutes, regulations, ordinances attci administ��ative rules aad orders (that have the effect of law) as well as alt applicable finai, non-appeaiable judicia.l opiaivns. (J1 "Cammu�ity Assaciati�e �ues, �, end assessm$r�ts" meaus alI du�, fees, assessments ancfi other chazges that are imposed oa Borrower or the Property by a condomimum association, hom�wners associarion or simitar arganizarion. (K► "Electronic Funds Transfer" means any transfer of funds, other than a transacrion originated by check, draft, or similar paper instrument, which is iniriated through an el�tronic terminai, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an acxount. Such terni iucludes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers iniriated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscelianeous Proceeds" means any compensation, settlement, awazd of daznages, or proceeds paid by any third party (other than insurance proc,eeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all 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 Form 3028 1/01 VMP Q VMP6�NE) 11105) Wolters Kluwer Financial Services Page 2 of 17