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2012Q��54 (C) "Lender" is EQUITABLE BANK Lender is a Savi ngs Bank organized and existing under the laws of T H E S TAT E 0 F N E B RAS KA Lender's address is 113 N LOCUST ST PO BOX 160 GRAND ISLAND NE 68802-0160 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is EQUITABLE BANK (� "N ote" means the promissory note signed by Bonower and dated 0 c t o b e►' 2 2. 2 012 . The Note states that Bonower owes Lender ONE HUNDRED SEVEN THOUSAND TWO HUNDRED AND 00/100 Dollars (U. S. $10 7. 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 November 1 , 2042 . (F) "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 a11 sums due under this Security Instrument, plus interest. (H) "Riders" means a11 Riders to this Security Instrument that are executed by Bonower. The following Riders are to be executed by Borrower [check box as applicable]: 0 Adjustable Rate Rider � Condominium Rider 0 Second Home Rider 0 Balloon Rider � Planned Unit Development Rider 0 1-4 Family Rider 0 VA Rider 0 Biweekly Payment Rider 0 Other(s) [specify] (I) "Applicable Law" means a11 controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the eff�t of law) as well as all applicable fina1, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means a11 dues, fees, assessments and other charges that aze imposed on Bonower or the Property by a condominium association, homeovcmers association or similar organization. (I� "Electronic 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 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 are described in Section 3. (M )"M iscellaneous 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 destruction of, the Properly; (ii) condemnation or other taking of a11 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. zaoozs�s NEBR4SKA-Single Femily-Fannie M ae/Freddie M ac UNIFORM INSTRUM ENT Form 3028 1/01 VMP p VMPB(NE) (11051 Wolters Kluwer Financlal Services Page 2 of 17