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2� 1 ��429� {�} "Lender" is Home F�dera� Sa�i ngs and L�an Assr� of �rand I s�and Lender is a Savi nc�s and Loan arganiLed and existing under the iaws af The St�te af Ne�raska . Lender's address zs �2l Sauth L�cust St Grand Is�and NE 68801 Lend�r is th�bene�czary under�his Secur�ty Instrumen�. �D� "Trustee" �s Arend R Baack, Attorney �E� "N�te" means�he prom�ssory note signed b� Borrower and dated J u�y D a, �D 1� , Th� Na�� states�hat Borrawer owe� Lender �NE HUNDRED FORTY SEVEN TH�U�AND E IGF�T HUNORED FIFTEEN AND fl�IlO� Do��ars �U.S. $147,81�.00 }plus �nterest. B�rrow�r has prom�sed�o pay this debt in regu�ar Periodi� Payments and to pay the debt in full na�lat�r than Au gu St 1, ��3 l . �F} "Property" means the pr�perty that is described below under�he h�ading "Transfer af Rights �n the Prop�rty." �G� "Laan" means the d�b�e��den��d�y the Nflte, plus interes�, any prepaymen��harges and late�;harges due under t�ie Nat�, and all sums du�und�r this Secur�ty �nstrumen�, p�us interes�. �H� "R�ders" means all R�ders to th�s Se�urity �n�trun�en�that are�xecu��d b� Borrower. 'I`h�fo�lawing Riders are ta be exeGuted�� Borrower �cheCk bax as applicable]: � Adj ustabi�Rate Rider 0 �ondam�n�um Rid�r � Second Hom�Rider � Bai��on Rider � Planned Un�t Dev�l�pment R�der � �-4 Family R�der � VA R�d�r 0 Biweekly Payment R�der 0 �ther�s} �specify� {�} "Applicable Law" means ail �an�ro��n� appl�cab�e fed�rai, state and�ocai statutes, regulations, ord�nances and adm�nistrati�e rules and orders �that have the�ffeCt of la�v� as �vell as aIl applica�Ie�inal, nan-appea�ab�e judzcza� opin�ons. �J� "Cvmmunity Association Ques. Fee�, and Assessments" means al1 dues, fe�s, assessments and other �harges that are impos�d on Borrawer ar the Praper�y by a cond�m�nium association, homeowners assaciati�n�r similar�rgan�zati�n. 4 K� "E��ctrvnic Fun�is Transfer" means an�r transfer of funds, a�her than a transac�ion ar��nated by eh�ck, draf�, ar sim.i�ar paper instrument, which is initiat�d�hrough an elec�ronic termina�, te�ephon�c �n�trumen�, c�mpu�er, or magnet�c tape�o as to or��r, instruct, or authorize a�nancial �nstituti�n to d�bit or cr�d�t an acc�unt, Such term inc�udes, but �s nnt��mited to, p�int-af sa�e transfers, autamated teller machine transa�ti�ns, transfers in�tiat�d by �e�ephone, w�re transfers, and au�omated clearinghouse transfers. �L� "Escrow ftems" m�ans those items that are described in Se�tion 3. �IV�} "�tl�iscellanevus Proceeds" means any compensation, s�ttlemen�, awar�of damages, or praceeds paid by an�third party ��ther than insura�ce proce�ds pa�d under�h�co�erages described in Sec��on 5} far: �i} damage to, ar destruc�ion nf, the Proper�y; ��i} cand�mnat�Qn or ather taking of a�I or any par��f�he Property; �i�i} conveyance in�ieu af conden�nat�nn; ar��v} misrepresentat�ons of, ar omissions as to, the va�u�andl�r conditi�n of�he Pro er� . N�gRASKA-Singfe Family-�anr�i�MaelFreddie Mac UNIFQRM INSTRUM�NT Form 3Q28 11�1 VMP Q VMPfi4NE�f1342� Wvlters Kluw�r Finan�ial 5er�ices Page Z❑�17