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��15��SSS �Gy "Lender" is Home Federal Sa�i ngs and Lflan Assn of Grar�d Isl ant� Lender�s a Sa�i ngs and L�an nrgan�zed and existing und�r the�aws of The St�te �f N e b r a s k a . Lender's address is 221 South �o�ust St Grand Is�and NE �88a1 Lender�s the benefi�iary under th�s Secur�t� �nstrument. , �D} "Trustee" �s Arer�d R �aack, Attorn�y €E� "Note" mean� the pramissory note s�gn�d b� Borr�w�r and da�ed Fek�ru a ry 12, 2 Q 15 . The Note sta��s tha�Borrower awes Lender F I FTY �I N E TH�U SAN D S E V E NTY AN D a 0 I 1�� Da��ar� �U.S. $59,D 7�.�4 }pius interest. Borr�wer has prom�sed�a pay�h�s debt �n regu�ar Periodz� Pa�rments and ta pay the de�t in full not 1 a�er than M�r�h 1, �04D . �F� "Prvperty't means�he proper�y�hat is describ��b�1aw und�r the heading "Transfer�f R.ights zn�he Prop�r�y." 4G� "Loan" means th�debt ev�denced b� the Note, p�us �nteres�, any prepa�ment charg�s and late charges due under the No�e, and all sums due und�r�his Se�ur�ty Ins�rum.�nt, p�us interest. �H3 "Riders" means all Riders �o th�s Secur�ty Instrumen��hat are execu�ed by Borr�wer. The foll�wing Riders are ta be ex�cut��by Borrower �check box as agp�icable�: 0 Adjus�ab�e Ra�e Rider 0 Condom�nium Rider � SeCond Hame Rider �Balloon R�der � Planne� Uni� Deve�opment Rzder 0 �-4 Fam��y Rzd�r �VA Rider 0 Biweekly Pa�ment Rider 0 �ther�s} �specify� �I� "App�icab�e Law" m�ans al� contralling app�icab�e federai, stat�and �oca� statut�s, regu�ations, ardinances and admin�stra��e ru�es and arders tthat ha�e the effect�f�a�v} as weli as a�� appl�cab��final, non-appealab�e judzciai apinions. �J� "Commur�ity Associat�on Dues, Fees, and Assessments=' means a�l dues, fees, assessments and o�her charges that ar�imp�sed on Borrawer or the Property by a cond�mir�ium�.assoc�ation, hameowners assoc�at�an�r s�milar�rganiza�ian. �� fT El�etron�� Funds Transfer" means any transfe�r of funds, a�her than a transact�on originated by check, draft, or sim�lar paper instrumen�, whi�h is in��ia�ed�hrough an elec�ronzc �ermina�, t��ephoni� instrument, cflmput�r, or magnetic �ape sa as to arder, instruc�, or authorize a�znanc�a� �ns�itutian�a debit or�red�t an accouxtt. Su�h term in�Iudes, but is nat��m�t��o, p�int-af-sale transfers, au�omated te�ler machzne transact��ns, �ransfers ini�iat�d b��elephon�, vW�re transfers, and automated ciear�nghouse transfers. 4L; "Escrow Items" means thas�items that ar�described �n Sec�ion 3. �M 3 "[Vl�sce�laneous Pr�ceeds" means any c�mpensa��on, se�tlement, award�f damages, or pro��eds pazd by an�third par�y �other than insuranc�proc�eds paid under the coverage�described in Section 5} far: �i} damage to, ar destruct�on of, the Property; ��} condemnat�on or flther taking�f al1 or any part�f the Proper�.y; �iii}conveyanc�in li�u af cflndem�nat�on; or�iv} misrepr�s�nta�ions of, Qr am�ss�ons as to, the �a�ue andlor cflndi�i�n of the Pr� ert . N�BRASKA-Single Family-�annie MaelFreddie Mac UNiF�RM�NSTRUMENT Fvrm 3��8 1!�1 VMP Q VMP64NEy t130�1 Woiters Kluwer Financia(5er�ices Page 2 of 17