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201211193 (C) "Lender" is EQUITABLE BANK Lenderisa Savings Bank organized and existing under the laws of T H E S TAT E 0 F N E B RAS KA . I,ender'saddressis 113 N LOCUST ST PO BOX 160 GRAND ISLAND NE 68802-0160 Lender is the Ueneficiary under this Security Instrument. (D) "Trustee" is EQUITAB�E BANK (� "Note" meansthepromissorynotesi�nedbyBarrow�anddatedDeCember 26, 2012 . TheNote statesthatBorrowerowesLender SIXTY THOUSAND EIGHT HUNDRED AN� 00/100 � Dpllars(U.S. $60>800.00 )plus interesL Borrower has pxomised tQ pay this debf in regular Periodic Paymetrts and to pay the debt in full not later than J a n ua ry 1 , 2028 . (F) "Property" meuis the property that is described below under the heading"Transfer of Rights in the Property." (G) "Loan" means the debt evidenced Uy the Note, plus interest, aury prepayment charges and late ctiarges due under the Note, and a11 sums dne under this SecuriYy Instrumerlt, plus imezest. (H) "Riders" means all Riders to this Security Instnunent that aze�ecuted by Borrower. The follow�ng Riders aze to be executed by Borrower [check box as applicable]: 0 AdjuStable Rate Rider � COndonunium Rider 0 Second Nome Rider 0 Balloon Rider 0 Planned Unit Development Rider 0 1-4 Family Rider �VA Rider � Biweekly Payinent Rider � Other(s) [specify] (1) "Applicable Law" means all cantrolling ayplicable federal, state and local statutes, regularions, ordinances and admuiistrative rulea and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all ducs, fees, assessments and other chazges that are imposed on Borrower or flie Property by a condoinuuum association, homeowners association or similaz orgazuzation_ (K) "Electronic Funds Transfer" means anv transfer of funds, olher than a transaction originated by check, draft, or similaz paper instrumen[, which is initiated through an electronic termiaal, telephonic instnnnent; computer, or magnetic tage so as to ordex, instruct, or auThorize a financial insritufian to debit or ctediT an accotmt Snch term includes, but is not lunited to, po3nt-of-sale tranaPers, automated feller machine hansactions, transfers uutiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" ineans those items that are described in Section 3. (M) "M isceflaneous Proceeds" means any compensation, settlement, awazd of damages, or proceeds paid by any thud yar[y(othei thau insurance proceeds paid undex the coverages described in Section 5) £or: (i) damage[o, or destruction of, the Yroperty; (ii) condemnation or other taking of all or any parc of the Property; (iii) conveyance in lieu of conde�nnation; or(iv)v�isrepresentations of, or omissions as to, the value and/or condition of the Properiy. zaooazz� NFBRASKA-Single Family-Fannie M11aelFreddieblac UMFORPA IN�Rl1h1ENT Porm 3�28 1fOt VA7P� VMP5(NEJ(11p5) W olters Kluw er Fnanpa:Services Page 2 of i]