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��15��531 ��3 "Lender" �s H�m� F�deral Sa�i ngs and Loan Assn �f Grand I s�and Lend�r is a S a�i n�s and Loan organ�z�d and exx�ting ur�der the�aws of The St�te of Nebrasl�a . Lender's address i� �21 South Lo�ust St �rand Is�an� NE 688�1 Lender�s�he�en�f�c�ary under th�s �ecurit� �ns�rument. �D� "Trustee" is Arend R Baa�k, Attarney �E� "N�te" means�he prom�.ssary n�te s igrz�d�y Borrower and dat�d J a n u a ry �2, 2�1� . The Nate �tates �hat Borrovv�r�wes Lender TIn1E NTY N I N E TH�U SAN D AN D �4 I 1 a D Dollars �U.S. $�9,o a a.�� }plus �nt�rest. Borrower has promised�o pay th�s debt in regular Peri�d�c Paymen�s and to pay the deb��n fuil n��ater�han Fe�r'u a ry 1, 2 fl 25 . �F� "Prvperty" m�ans th�property�ha�is described below under the headxng "Transf�r af Ri�h�s in�he Pr�per�y." tC� "Loan" means the debt e�idenced by the No�e, p�us�n�er�st, ax�.y prepayment charges and�a�e�harges du� under the N��e, and all sums due under this Security�ns�rumen�, plus in�erest. �H� "R�ders" means al� R�ders to this�e�uri�y Irzstrument that are exe�u�ed by B�rr�w�r. The fa��w�ng Rid�rs are to be executed by Borrov�er�ch�ck box a� app�i�ab�e�: 0 Ad�ustable Rate Rid�r �Condom�n�um Rider 0 Se�ond Hame Rid�r �Ba1��on R�der � P�anned Un�t De�e�opm�n�Rzder � z�4 Family Rider �VA Rider 0 Biweek�� Payment Rider 0��her�s} �sp��if�� tl� "Appl��ab�e Law" m�an�al� contro��ng app��cab�e f�derai, s�a�e and��ca� statutes, regu�atians, �rdznances and adn�n�strat�v�rules and�r�iers �that ha�e the effec�of�av�} as vve�l as al� app��cable fina�, nnn--appealab�e judicial opinions. �J� "C�mmunity As�ac;iatian Dues, Fees, and Assessments" means ai�dues, f��s, �s��ssments and other charges�hat are impos��i on Borrower or�h�Proper�y by a condnminium associatian, homeawners as��c�at�on ar sxmi.�ar organization. �K� "E�ectronic Funds Transf�r" means any transfer of funds, o�her than a transaction originated by ch�ck, draft, or simai�ar paper�ns�rument, whi�h is initia�ed thr�ugh an elec�r�nic termina�, teleph�n�c znstrument, camputer, or magn�tic�ape sa as to�rder, instruct, or authorize a�nancia� inst�tut�an to deb�t or cr��.i�an acC�unt. �uch�erm inc�udes, bu� xs not l�mited t�, p�in�-�f-sale transfers, autflmated�e�ler machine tran.sa�tions, tra.�sfers ini�ia��d by t��ephon�, vc��re transfers, and au�oma�ed cZearingh�us�transfer�. �L� "Escrvw Items" means those items that are described �n�ect�on 3. �i1l1� "N�is�ellaneflus Prviceeds" means any compensa��on, se��emen�, award of damages, or pr�ceeds pa�d b� any third par�y �other�han�nsurance prn�eeds pa�d un��r th�c��erag�s d�scr�bed�n Sect�an 5} for: �i} damage�o, or destruction Qf, ��.e Property; �ii} condemnation�r ather taking of a�l or any par��f the Praperty; �iii} conveyance in�ieu af condemnation; �r�iv} n�srepr�sentatians of, or omissions as to, �he �alue andlor candition of the Pro ert . NEBRASKA-Single Family-�anr�ie Mael�reddie Mac UNIFaRM INSTRUMENT Form 3�28 11�1 VMP� VMPfi�NE)t13Q2} Wolters ECluwer Financial Ser�ices Page 2 of 17