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NEBRASKA — Single Family— UNIFORM INSTRUMENT 201210306 (C) "Lender" is iFREEDOM DIRECT CORPORATION Lender is a A CORPORATION the laws of STATE OF UTAH 2363 SOUTH FOOTHILL DRIVE, SALT LAKE CITY, UT 84109 (D) "TrusteeiscaRminaPPAEmenwriasatowistrnevo. FIRST AMERICAN TITLE INSURANCE COMPANY (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. (F) "Note" means the promissory note signed by Borrower and dated November 30, 2012 . The Note states that Borrower owes Lender One Hundred Thirty Two Thousand Seven Hundred Ninety Five and no /100 Dollars (U.S. $ 132,795.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than December 01, 2042 . (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (11) "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. (1) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: Condominium Rider 1 I Graduated Payment Rider organized and existing under . Lender's address is Planned Unit Development Rider X1 Other(s) [specify] VA ASSUMPTION RIDER (J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non- appealable judicial opinions. If the indebtedness secured hereby is guaranteed or insured under Title 38, United States Code, such Title and Regulations issued thereunder and in effect on the date hereof shall govern the rights, duties and liabilities of the parties hereto, and any provisions of this or other instruments executed in connection with said indebtedness which are inconsistent with said Title or Regulations are hereby amended to conform thereto. (K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (L) "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 NEBRASKA -MERS GreatDoos° ITEM 2697L2 (091911) (P 2 of 13) BRUNELLE,S00 0000454238