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201209793 Instrumeut MERS is organized and existing underthe laws of Delaware,and has an address and telephone number of P.O.Bo%2026,Flint,MI 48501-2026,tel.(SS8)679-MERS. (F)"Note" means the promissory note signed by Borrower and dated Navember I5, 2012. The Note states that Borrower owes Lender TiIREE HUNDRED FORTY-EIGIiT THOUSAND FIVE HCINDRED AND NO/100 Dollazs (U.S.$348,500.00)plus interest.Borrower has promised to pay tlus debt in regular Periodic Payments and to pay the debt in full not lafer than Decem6er 1,2027. . (G)"Property"means the property that is described below under the heading"Transfer of Rights in the Property." (I�"Load'means the debt evidenced by the Note,plus interest,any prepayment charroes and late charges due under the Note,and all sums due under this Security Instrument,plus interest. (I)"Riders"means a➢Riders to this Security Inshvment that aze executed by Borrower.The following Riders are to be executed by Borrower[eheck 6ox as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ UA Rider ❑ 1-4 Fanvly Rider ❑ Biweekly Payment Rider ❑ Other[Specify] - (.n"Applieable Law" means all controlling applicabte federaL state and locat statuYes,regulations,ordinances and administrarive rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (K)"CommunityAssociation Dues,Fees,and Assessments"means all dues,fees,assessments and other chazges that aze imposed on Borrower orthe Property by a condominium association,homeowners associarion or similar organization. (L)"Electronic Funds Transfer"means any transfer of funds,other than a transaction originated by check,draft,or sunilaz paperinstrument,whieh is initiated through an electronic Yerminal,teleplionic instrument,computer,ormagnetic tape so as to order,instruct,or authorize a financial insriturion to debit or credit an account.Such term includes;but is not limited to,point-of-sale transfers,automated teller machine transactions,transfers uutiated by telephone,wire transfers, and automated clearinghouse transfers. (NI)"Escrow Items"means Uiose items that are described in Section 3. (1�"Miscellaneous Proceeds"means any compensation,settlement;awazd of damages,or proceeds paid by any third party(other than insurance proceeds paid under the covera�es described in Section 5)for:(i)dama�e tq or destruction of, the Properly; (ii}condemnation or other taking of all or any part of the Properiy; (iii}comeyance in lieu of condemnatio�;or(iv}misrepresentations o£or omissions as to,the value and/or condition of the Property. (0)"Mortgage Insurance"means insurance protecting Lender against the nonpayment of,or default on,the Loan. (P)"Periadic PaymenP'means the regutazly scheduled amount due for(i)principal and inferest under tl�e Note,plus (ii)any amounts under Section 3 of this Security Insirument. (Q)"RE5PA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its implementing re�ulation, Regulation X (12 C.F.R.PaR 1024), as they might be amended from time to time, or any additional or successor legislaYion or regulation that governs the same subject matter.As used in fhis Security Instrument,"RESPA" refers to all requirements and restrictions that are imposed in reeazd to a"federally relafed mortgage loan"even if the Loan does not qualify as a"federally related mortgage loan"under RESPA. (R)"Successor in Interest of Borron�er"means any party that has taken title to the Properiy,whether or not that party has assumed Borrower's obligations under the Note and/or this Security Inshwnent. NEBRASKA Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENTwith MERSForm 3028 1/01 Page 2 of 13 ios,i��. Borrower(s)Initials