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201210843 (C) "Lender" i50.S. Hank N.A. Lender is a National Association organized and existing under the laws of The IInited States Of America . Lender's address is 4801 Frederica Street, O�aensboro, PCY 42301 (D) "Trustee" is ier. Thwaaa Locher 2002 Douglas Street,200 The Omaha Club,Omaha,NE 68702 � (� "MERS' is Mortgage Electronic Registration Systems, Inc. MERS is a sepazate corporation that is acting solely as a nomiaee for Lender and Lender's successors and assigns. MERS is the beneficiary under t6is Securily Instmment. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flink, MI 4R501-2026, tel. (888) 674-MERS. (� �Note" means the promissory note signed by L3orrower and dated 11/29/2012 . The Note ststes that 13orrower owes Lender Sixty-Five Thousand Tro Hundred and 00/100ths Dollazs(U.S. $65,200.00 )plus interest. Horrower has promised to pay this debt in regulaz Periodic Payments and to pay the debt in full not later than December Ol, 2027 . (G) "Property" means the property that is described below under the heading"Transfer of Rights in the Properly. �� (H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment chazges and late charges due under the No[e, and all sums due under tlris Security Inslrument, plus interest. (I) "Riders" means all Riders to this Secm-ity Inslrum�t that aze elcecuted by Borrower. The following Riders are to be evicecuted by Borrower [check box as applicable]: �Adjustable Rate Rider 0 Condominium Rider 0 Second Home Rider 0 Balloon Rider �Planned Unit Development Rider � l�Family Rider 0 VA Rida � Biweekly Payment Rider n Other(s) [specify] (J) "AppliCable Ldw" means all controlling applicable federa7, state and local statu[es, regulazions, ordinances and administrative rules and orders(that have the effed oF law)as well as al] applicable final, non-appeatable judicial opinions. (In "Community Association Dues, Fees, and Assessments" means aIi dues, fees, assessments and other charges that aze imposed on Borrower or the Property by a condominium association, homeowners association or similaz organization. (� "ElectroniC Funds Transfer' means any transfer of funds, other than a transaction originated by check, draft, or similaz paper insh-umeut, 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, hut is not limited to, poinUof-sale ffansfers, automated teller machine transactions, h�ansfers initiated by telephone, wrre transfers, and automated clearinghouse transfers. (M) "Escrow Items" means those items that are described in Section 3. 2300218954 D VBANE � NEBRASKA-Singq Famiy-Fannie Mx/Freddia Mac UNIFORM INSTFUMENT WITH MEFS Form 30'18 1 N1 VMP;n) VMPBA�NF)11105) Wal[ers Kbwer Finan�ial Services Page 2 of 1]