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202403521 <br />LOAN #: 255886 <br />Lender is an Arizona Corporation, organized and existing <br />under the laws of Arizona. Lender's address is 2055 E Centennial <br />Circle, Tempe, AZ 85284. <br />The term "Lender" includes any successors and assigns of Lender. <br />(C) "Trustee" is FIRST AMERICAN TITLE COMPANY. <br />Trustee's address is <br />The term "Trustee" includes any substitute/successor Trustee. <br />(D) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is <br />acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary <br />under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has <br />an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. <br />Documents <br />(E) "Note" means the promissory note dated July 26, 2024, and signed by each Borrower <br />who is legally obligated for the debt under that promissory note, that is in either (i) paper form, using <br />Borrower's written pen and ink signature, or (ii) electronic form, using Borrower's adopted Electronic <br />Signature in accordance with E -SIGN. The Note evidences the legal obligation of each Borrower who <br />signed the Note to pay Lender TWO HUNDRED FORTY FIVE THOUSAND FOUR HUNDRED <br />SEVENTY ONE AND NO/100**********************"************************ <br />Dollars (U.S. $245,471.00 ) plus interest. Each Borrower who signed the Note has promised to pay <br />this debt in regular monthly payments and to pay the debt in full not later than August 1, 2054. <br />(F) "Riders" means all Riders to this Security Instrument that are signed by Borrower. All such Riders <br />are incorporated into and deemed to be a part of this Security Instrument. The following Riders are to <br />be signed by Borrower [check box as applicable]: <br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Planned Unit Development Rider <br />Other(s) [specify] <br />tax exempt rider <br />(G) "Security Instrument" means this document, which is dated July 26, 2024, together with <br />all Riders to this document. <br />Additional Definitions <br />(H) "Applicable Law" means all controlling applicable federal, state, and local statutes, regulations, <br />ordinances, and administrative rules and orders (that have the effect of law) as well as all applicable <br />final, non -appealable judicial opinions. <br />(I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments, <br />and other charges that are imposed on Borrower or the Property by a condominium association, home- <br />owners association, or similar organization. <br />(J) "Default" means: (i) the failure to pay any Periodic Payment or any other amount secured by this <br />Security Instrument on the date it is due; (ii) a breach of any representation, warranty, covenant, obligation, <br />or agreement in this Security Instrument; (iii) any materially false, misleading, or inaccurate information <br />or statement to Lender provided by Borrower or any persons or entities acting at Borrower's direction or <br />with Borrower's knowledge or consent, or failure to provide Lender with material information in connection <br />with the Loan, as described in Section 8; or (iv) any action or proceeding described in Section 11(e). <br />(K) "Electronic Fund Transfer" means any transfer of funds, other than a transaction originated by check, <br />draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, <br />computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit <br />an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine <br />transactions, transfers initiated by telephone or other electronic device capable of communicating with <br />such financial institution, wire transfers, and automated clearinghouse transfers. <br />(L) "Electronic Signature" means an "Electronic Signature" as defined in E -SIGN. <br />(M) "E -SIGN" means the Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 <br />et seq.), as it may be amended from time to time, or any applicable additional or successor legislation <br />that governs the same subject matter. <br />(N) "Escrow Items" means: (a) taxes and assessments and other items which can attain priority over <br />this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground <br />NEBRASKA -Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3028 07/2021 (rev. 7/23) <br />Modified for FHA 1/2023 (HUD Handbook 4000.1) <br />ICE Mortgage Technology, Inc. Page 2 of 14 NEEFHA23DE 0823 <br />NEEDEED (CLS) <br />07/25/2024 05:00 PM PST <br />1111 " ' MR #EZIMP V,ir ' II 111 <br />