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��15�145� �C3 "��nder" is Home Federal Sa�i pgs and Laan Assp �f Grand I s�and Lend�r is a Sa�i ngs and Loan �rganized and�x�s��ng under the Ia�vs of Th� St at e o f Nebr a s ka . L�nder's address �s 2�1 Sout h Lo�ust St �rand I s�and NE �88�1 L�nder�s th�bene�ciarsr under this 5ecuri�y�nstrument. 4D� "Trustee" zs Arend R Baack, Att�rney �E3 "N�te" means the prnmissory no�e s�gned by Borrower and dat�d Feb r u a ry �6, �4 l5 . The Note sta�es that Borrawer ow�s Lender T�n1� HL�N D RE D TH I RTE E N THO USAN D AN D 0�I 1 D 4 Do��ars �U.S. $�l3,0��.�4 }plus �nterest. B�rrower has pr�mised�o pay this debt�n regu�ar Perzod�c Payments and to pa�the debt in fui� not later than Ap r i 1 l, �D4� . 4F� "Prvperty" m�ans th�proper�y tha��s described belovv under�he heading "Transfer of Rights in the Proper�y," �G� "Lvan" means�he debt evidenced b�the N�te, p�us inter�st, ar�y pr�paymen�charges ar�d late charges due under the No�e, and a��sums due under�his Security�ns�rumen�, plus int�r�s�. �H� "Riders" means a�� Rider�t� �h�s Securi�y Instrument that are executed hy Borrower. The fo��ow�ng Ride�s are t�be execu�ed by Borrower �che�k b�x as app�icable�: [�.]Adjus�a�Ie Rate Rid�r 0 Condom�nium Rider C.] Second H�m�Rider [�Balloon Rider � P�anned Un�t De�elopment Rider [� 1-4�ami�y Rider 0 VA Rider �Biw�ek�� Paym��n�Rzder 0�ther�s} ��pecify� ��} "App�icab�e Law" nzeans all �ontr�lling app��cab�e federa�, s�at�and�acal statutes, regu�at��ns, ord�nances and administra�i�e rules and orders �that ha�e the�ffect of�aw} as we1� as a.�� app��cable t�na�, nonWappealable �udicial op�n�ans. �J} "Cvmmunity Assvciativn Dues, Fee�, and Assessments" means a11 dues, fees, assessmen�s and o�her charges that are imposed on Barr�wer or th�Proper�y by a candominium associa�ion, homeowners assoc�a�xon or simi�ar organizati�n, �K� "Electroni� Funds Transfer" means any�ransfer of funds, other�han a transactian originated by check, draf�, or similar paper�nstrument, which is �n��ated thraugh an electranic�erminal, telephonic instrumen�, computer, �r magnet��tape�a as to order, �nstruc�, or authorize a�nancial inst�tuti�n�o deb��or�red�t an account. Sueh�erm�nc�udes, but xs n�t limited to, poxn�-of-sale transfers, automated teX�er machxne transactians, transfers�nitiated by teleph�ne, wire�ransfers, and au��mated c�ear�nghouse transfers. 4 L� "Escrow �tems" means�hase it�ms tha�are described in Section 3. €M} "Misce��aneous P�oceeds" means any c�mp�nsati�n, s�ttl�m�nt, a�vard of damages, ar praC�eds paid by any third par�y �other�han�nsuranc�proc��ds paid under the caverage�de�cribed in�ecti�n 5} for: �i} damage t�, �r des�ructi�n nf, the Praper�y; ��}condemnat�on or other�ak�ng of a�I ar any par��f�he Proper�y; �iii} canveyance in��u of c�ndemna�zon; or�iv}misr�pres�nta�ions �f, or�missions as to, �he value a�adlor condi�ion of the Pr� ert . NEBRASKA-Singl�Family-Fannie Mael�r�ddi�Mac tJNI��RM INSTRUM�NT Forrn 3028 11a7 VMP� VMPS[NEf�13�2� Wa�ters Kluwer�inancial Ser�ices Page 2 of 17