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2 0130307 <br />(C) "Lender" is Home Federal Savings and Loan Assn of Grand Island <br />Lender is a Savings and Loan <br />organized and existing under the laws of The State o f Nebraska <br />Lender's address is 221 South Locust St Grand Isl and NE 68801 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is Arend R Baack, Attorney <br />(E) "Note" means the promissory note signed by Borrower and dated January 07, 2 013 <br />states that Borrower owes Lender ONE HUNDRED TWENTY THOUSAND AND 00/10 <br />(F) <br />(G) <br />(H) <br />{ <br />Adjustable Rate Rider <br />Balloon Rider <br />VA Rider <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />VMP <br />Wolters Kluwer Financial Services <br />Condominium Rider <br />Planned Unit Development Rider <br />Biweekly Payment Rider <br />Second Home Rider <br />1 -4 Family Rider <br />Other(s) [specify] <br />. The Note <br />Dollars (U.S. $12 0 , 000.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than February 1, 2043 . <br />"Property" means the property that is described below under the heading "Transfer of Right in the <br />Property." <br />"Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and lat! charges due <br />under the Note, and all sums due under this Security Instrument, plus interest. <br />"Riders" means all Riders to this Security Instrument that are executed by Borrower. The fo owing Riders <br />are to be executed by Borrower [check box as applicable]: <br />(I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulati , ordinances <br />and administrative rules and orders (that have the effect of law) as well as all applicable fmal, non - appealable <br />judicial opinions. <br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other <br />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 check, <br />draft, or similar paper instrument, which is initiated through an electronic terminal, nstrument, <br />computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debi4 or credit an <br />account. Such term includes, but is not limited to, point -of -sale transfers, automated teller ma hive <br />transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse tr fers. <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 paid by <br />any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) <br />damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any pall of the <br />Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the <br />value and /or condition of the Proper. <br />Form 3028 1/01 <br />VMP61NE) 11105) <br />Page 2 of 17 <br />