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$164,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and <br />to pay the debt in full not later than January 1, 2028. <br />(F) "Property" means the property that is described below under the heading "Transfer of Rights in <br />the Property." <br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late <br />charges due under the Note, and all sums due under this Security Instrument, plus interest. <br />(11) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following <br />Riders are to be executed by Borrower [check box as applicable]: <br />❑ Adjustable Rate Rider <br />❑ Balloon Rider <br />❑ VA Rider <br />❑ Condominium Rider <br />❑ Planned Unit Development Rider <br />❑ Biweekly Payment Rider <br />(1) `Applicable Law" means all controlling applicable federal, state and local statutes, regulations, <br />ordinances and administrative rules and orders (that have the effect of law) as well as all applicable <br />final, non - appealable judicial opinions. <br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and <br />other charges that are imposed on Borrower or the Property by a condominium association, homeowners <br />association or similar organization. <br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by <br />check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic <br />instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to <br />debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated <br />teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse <br />transfers. <br />(L) "Escrow Items" means those items that are described in Section 3. <br />(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds <br />paid by any third party (other than insurance proceeds paid under the coverages described in Section <br />5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any <br />part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or <br />omissions as to, the value and/or condition of the Property. <br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default <br />on, the Loan. <br />(0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest <br />under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. <br />(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and <br />its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from <br />time to time, or any additional or successor legislation or regulation that governs the same subject <br />HCFG -00359 <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 30281/01 <br />VMP® 05/12 <br />Wolters Kluwer Financial Services 201212124.1.1.2336J20120829Y Page 2 of 16 <br />1 <br />i <br />1 <br />11 <br />11 <br />201211134 <br />ESecond Home Rider <br />01 -4 Family Rider <br />❑Other(s) [specify] <br />1C1 <br />1 <br />1111 <br />i <br />wi <br />