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20��o�3s; (C) "Lender"isHome FederaT 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 Security Instrument. (D) "Trustee" is Arend R Baack. Attorney (Ej "111ote" mean� the promissory note signed by Borrower and dated August 31, 2012 . The Note states that Borrower owes Lender FIFTY NINE THOUSAND THREE HUNDRED T�iENTY FIVE AND 00/100 Dollars (U.S. $ 53 . 3 Z 5. 0 0 ) plus interest. Borrower has promised to pay this debt in regular Periodic Pagments and to pay the debt in full not later than September 1, 2022 . EF�) "�roperty" mean.s the progerly that is d�cribed betow under the heading "Transfer of Rights in the Propert}t." (G} "�oan" means the debt evidenced by the Note, plus interest, any prepayment charges and Iate charges due under tbe Note, and all sums due under this Security Instrument, plus interest. �H� "Eiiders" means all Ric3ers to this Security Instruntent that are exe.c�ated by Borrower. The following Riders aae t� be executed by Borrower [check box as appticablej: � Adjustable Rate Idicter ��ond�rrniniuin ltider 0 Second Home Rider Q B�Ioon Rider Q PianECe,a€ Unit Developmeat Iaici�r Q I-4 Family Rider � VA Rider Q Biweekly Pay�tent Rider 0 �ther(s) [specifyj (1} "AppFicable Law" means all controllittg applicahle fe,cleral, state and local statutes, regulations, ordinances azcd administrative rules and orders (that ha.ve the effect of law) as welt as all applicable fiaal, non-appealable ,�ZCiicial opinions. 6.�) "�or»munity Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that aze imposed on Borrower or the Property by a condominium associativn, homeowners assoeiation or similar organization. (i(} "Etectronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or ma.gnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an acxount. Such term includes, but is not limited to, point-of-sale transfers, automated teller maclune transactions, transfers iniriated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that aze described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destructio�t 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 condition of the Property. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 7/01 VMP � VMP6(NE) (1105) Wolters Kluwer Financial Services Page 2 of 17