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�01�Q94 <br />(C) "Lender"isHome Federal Savings and Loan Assn of Grand Island <br />Lender is a Savi ngs and Loan <br />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 <br />Lender's address is 221 South Locust St Grand I sl and NE 68801 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is Arend R Baack. Attorney <br />(E) "Note" means the promissory note signed by Borrower and dated N o v e m b e r 0 7, 2 012 . The Note <br />statesthatBorrowerowesLender NINETY TWO THOUSAND TWO HUNDRED FIFTY AND <br />00/100 <br />Dollazs (LJ.S. $92 , 250 . 00 ) plus interest. Bonower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in fu11 not later than D e c e m b e r 1, 2 0 2 7 . <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property " <br />(C? "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due <br />under the Note, and all sums due under this Security Instrument, plus interest. <br />(H) "Riders" means all Riders to tlus Security Instrument that are executed by Borrower. The following Riders <br />are to be ex�uted by Bonower [check box as applicable]: <br />� Adjustable Rate Rider 0 Conclominium Rider � Se,cond Home Rider <br />0 Balloon Rider 0 Planned Unit Development Rider 0 1-4 Family Rider <br />� VA Rider 0 Biweekly Payment Rider 0 Other(s) [spe,cify] <br />(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regularions, ordinances <br />and administrarive rules and orders (that have the eff�t of law) as well as all applicable final, non-appealable <br />judicial opinions. <br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other <br />charges that aze unposed on Borrower or the Property by a condominium association, homeowners <br />association or similaz organization. <br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, <br />draft, or similaz paper instrument, which is initiated through an electronic ternrinal, telephonic instrument, <br />computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an <br />account. Such term includes, but is not limited to, goint-of-sale transfers, automated teller machine <br />transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. <br />(L) "Escrow Items" means those items that aze described in Section 3. <br />(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or procceds paid by <br />any third party (other than insurance proc,eeds paid under the coverages described in Section 5) for: (i) <br />damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the <br />Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the <br />value andlor condition of the Property. <br />NEBHASKA-Single Femily-Fannle Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />VMP � VMP6(NE) (1105) <br />Wohers Kluwer Financial Services Page 2 af 17 <br />