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�0120�14� (D) "Trustee" is CENTRIS FEDERAL CREDIT UNION,343 N 114TH STREET OMAHA, NE 68154 (E) "Note" means the promissory note signed by Borrower and dated September 24th 2012 . The Note states that Borrower owes Lender ONE HUNDRED TWENTY TWO THOUSAND FOUR HUNDRED AND NOh00 Dollars (U.S. $ 122,400.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than October 1 st, 2042 . (F) "Prope�ty" means We property that is described below under the heading "Transfer of Rights in the Properly." (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) "Riders" means all Riders to this Security Inshvment that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: 0 Ad,justable Rate Rider 0 Condominium Rider � Second Home Rider 0 Balloon Rider 0 Biweekly Payment Rider 0 1-4 Family Rider 0 Other(s) [specify] � Planned Unit Development Rider (I) "AppHcable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and adminish�ative rules and orders (Wat have We effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Du�, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium associaflon, homeowners associaHon or similar organizallon. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper inshvment, which is initiated through an electronic ternulnal, telephonic inshvment, computer or magnetic tape so as to order, instruct, or authorize a finandal insfltuflon to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transacttons, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means Wose items that are described in Sectton 3. (M) "Miscellaneous Proc�ds" means any compensation, settlement, awazd of damages, or proceeds paid by any third party (oWer than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destrucHon of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnaflon; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. �BRIe1S� — Single Fam11Y -- Fmnie Mae/Fraddie Mae UI�+ORM IN�PRUMENT Fotm 3028 GCC - G3028-02 (09/Ol) (Page 2 of 19) Initials:� � �