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(C) "Lender" is FLAGS TAR BANK, FSB <br />Lender is a FEDERALLY CHARTERED SAVINGS BANK <br />and existing under the laws of UNITED STATES <br />Lender's address is 5151 CORPORATE DR, TROY, MICHIGAN 48098-2639 <br />(D) "Trustee" is FIRST TITLE & ESCROW INC <br />202000176 <br />organized <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting <br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security <br />Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number <br />of P.O. Box 2026, Flint, Ml 48501-2026, tel. (888) 679-MERS. <br />(F) "Note" means the promissory note signed by Borrower and dated OCTOBER 19, 2019 <br />The Note states that Borrower owes Lender EIGHTY-SEVEN THOUSAND AND 00/100 <br />Dollars (U. S. $ 87, 000.00 <br />plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not <br />later than NOVEMBER 1, 2049 <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." <br />(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under <br />the Note, and all sums due under this Security Instrument, plus interest. <br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are <br />to be executed by Borrower [check box as applicable]: <br />El Adjustable Rate Rider <br />El Balloon Rider <br />1-4 Family Rider <br />Condominium Rider <br />0 Planned Unit Development Rider <br />Biweekly Payment Rider <br />El Second Home Rider <br />Other(s) [specify] <br />(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and <br />administrative rules and orders (that have the effect of law) as well as all applicable final, non -appealable judicial <br />opinions. <br />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges <br />that are imposed on Borrower or the Property by a condominium association, homeowners association or similar <br />organization. <br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, <br />or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or <br />magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term <br />includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by <br />telephone, wire transfers, and automated clearinghouse transfers. <br />(M) "Escrow Items" means those items that are described in Section 3. <br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any <br />third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or <br />destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in <br />lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. <br />NEBRASKA - Single Family - UNIFORM INSTRUMENT <br />MODIFIED FOR DEPARTMENT OF VETERANS AFFAIRS - MERS <br />(Rev. 1/01) Page 2 of 15 <br />DocMagic <br />www. docmagic. corn <br />