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20120684� <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 address 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 Borrower and dated August 14. 2012 . The Note <br />states that Borrower owes Lender SEIIENTY THREE THOUSAND SIX HUNDRED AND 00/100 <br />Dollars (U.S. $ 73 , 600 . 00 ) plus interest. Bonower has promised to pay this debt in regula.r <br />Periodic Pa}+ments and to pay the debt in full not later than September 1. 2032 . <br />(F) "Property" mean� the property that is desc7ibec� below under the headiug "Tr�sfer of Rights in the <br />Property " <br />(G) "Loan" means the debt evidenced by the Note, plus interest, any grepayment charges and Iate chazges due <br />under the Note, and alI sums due under this Security Instrument, pins interest. <br />(H� "Ri�ees" means all Riders to tliis Security Instnrment that are executed by Borrower. 'F'he followiag Ric�ers <br />are to tre executed by Borrow�r [ct�eck bax as agplieablej: <br />Q Adjustable Rate Rider ��ndo�ium Itic�es 0 Second Home Rider <br />Q Balloon Rider 0 Plazmed Unit Development Rider 0 1-4 Family Rider <br />Q VA Rider 0 Biweekty Payment Rider 0 f}ther(s) [specify� <br />(1) "Applicable Law" means all controlling applicable federr�ll, state and local statutes, regulations, ordinances <br />and administrarive rules and orders (that have the effect of law) as well as all applicable final, non-appealable <br />ju�icial opiniaas. <br />tJ) "Caenmunrty Assoc'tation Dues, Fe�, ar�d �►ssessments" means alI dues, fees, assessments and other <br />charge.s that are imposed on Borrower or the Property by a condominium association, homeowners <br />association or similar organization. <br />(K) "EFectronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, <br />draft, or similar paper instivment, which is initiated through an electronic terminal, telephonic instnunent, <br />computer, or magnetic tape so as to order, instruct, or authorize a financial insritution to debit or credit an <br />account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine <br />transacrions, transfers iniriated by telephone, wire transfers, and automated clearinghouse transfers. <br />(L) "Escrow Items" means those items that are described in Section 3. <br />(M) "Misceilaneous Proceeds" means any compensation, settlement, award of damages, or proceeds 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 condemnarion; or (iv) misrepresentations of, or omissions as to, the <br />value and/or condition of the Property. <br />NEBRASKA-Sfngle Family-Fannte Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />VMP � VMP6(NE) (1105) <br />Woltars Kluwer Financial Services Page 2 of 17 <br />