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�o�2o�s�� (C) "Lender" is Home Federal Savi ngs and Loan Assn of Grand Isl and 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 eb r a s k a Lender's address is 221 South Locust St Grand I sl and NE 68801 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is Arend R Baack, Attorney (E) "Note" means the promissory note signed by Bonower and dated 0 c t o b e r 16 , 2 012 . The Note states that Bonower owes Lender 0 N E H U N D R E D S I XTY FO U R THO U SAN D 0 N E HUNDRED EIGHTY AND 00/100 Dollars (U.S. $164 ,180 . 00 ) plus interest. Bonower has promised to pay this debt in regulaz Periodic Payments and to pay the debt in full not later than No vembe r 1, 2 042 . (� "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment chazges and late charges due under the Note, and all sums due under this Security Insm�ment, plus interest. (I� "Riders" means all Riders to this Security Instrument that aze executed by Bonower. The following Riders aze to be executed by Borrower [check box as applicable]: � Adjustable Rate Rider � Condominium Rider 0 Second Home Rider � Balloon Rider � Planned Unit Development Rider � 1-4 Family Rider � VA Rider 0 Biweekly Payment Rider � Other(s) [specify] (n "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and adminisuative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (� "Community Association Dues, Fces, and Assessments" means all dues, fees, assessments and other chazges that aze imposed on Borrower or the Property by a condominium association, homeowners association or similaz organization. (I� "El�tronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is iniriated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that aze described in Section 3. (1Vn "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third pariy (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destrucrion of, the Property; (ii) condemnarion or other taking of all or any part of the Property; (iii) conveyance in lieu of condemuation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (1� "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. �-6GINE) l000el.oi � Inttials: Pege 2 af 15 Form 3028 1/01