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� (C) "Lender"isHome Federal Savings and Loan Assn of Grand Island Lender is a Savi ngs and Loan oFganized 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 I sl and NE 68801 Lender is the beneficiary under tlus Security Instrument. (D) "Trustee" is Arend R Baack, Attorney ( E) " Note" means the promissory note signed by Bonower and dated S e p t e m b e r 0 7, 2 012 . The Note states that Borrower owes Lender EIGHTY THREE THOUSAND TWO HUNDRED AND 00/100 Dollazs (U. S. $ S 3. 2 0 0. 0 0 ) plus interest. Borrower has promised to pay this debt in regulaz Periodic Payments and to pay the debt in full not later than 0 c t o b e r 1, 2 0 2 7 . (F) "Property" means the property that is described betow under the heading "Transfer of Rights in the Property.» (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Ritfers" � all Riders to this �curity Instiument that are executed by Bonower. The following Riders are to be executed by Borrower [check box as applicablej: Q Adjustabie Rate Rider 0 Co$�ominium Rider 0 Second Home Rider 0 Baltoo� Rider 0 Ptanned Unit Development Rider � 1-4 Family Rider Q VA Rider 0�iweekly Payment Rider � Other(s) [specify] (q "Applicable Law" means all controlIing applicable federal, state and local statutes, regulations, ordinances and administrarive rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opiaions. (J) "Comrnunity Assoc6ation Dues, Fees, and Assessments" means all dues, fees, assessments and other chatges that are im�sed on Borrower or the Property by a condominium association, homeowners association or similar organizarion. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by ch�k, draft, or similar pager instrument, which is initiated through an electronic temunal, telephonic instnunent, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such terna includes, but is nat limited to, point-of-sale transfers, automated teller machine transacrions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are 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 S) for: (i) damage to, or destrucrion of, the Property; (ii) condemnation or other taldng 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 Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/07 VMP � VMP6(NE) (11051 Woiters Kluwer Financial Services Page 2 of 17