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<br />computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an
<br />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 such
<br />financial institution, wire transfers, and automated clearinghouse transfers.
<br />(L) "Electronic Signature" means an "Electronic Signature" as defined in the UETA or E -SIGN, as
<br />applicable.
<br />(M) "E -SIGN" means the Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et
<br />seq.), as it may be amended from time to time, or any applicable additional or successor legislation that
<br />governs the same subject matter.
<br />(N) "Escrow Items" means: (i) taxes and assessments and other items that can attain priority over this
<br />Security Instrument as a lien or encumbrance on the Property; (ii) leasehold payments or ground rents on the
<br />Property, if any; (iii) premiums for any and all insurance required by Lender under Section 5; (iv) Mortgage
<br />Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage
<br />Insurance premiums in accordance with the provisions of Section 11; and (v) Community Association Dues,
<br />Fees, and Assessments if Lender requires that they be escrowed beginning at Loan closing or at any time
<br />during the Loan term.
<br />(0) "Loan" means the debt obligation evidenced by the Note, plus interest, any prepayment charges, costs,
<br />expenses, and late charges due under the Note, and all sums due under this Security Instrument, plus interest.
<br />(P) "Loan Servicer" means the entity that has the contractual right to receive Borrower's Periodic Payments
<br />and any other payments made by Borrower, and administers the Loan on behalf of Lender. Loan Servicer
<br />does not include a sub -servicer, which is an entity that may service the Loan on behalf of the Loan Servicer.
<br />(Q) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid
<br />by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i)
<br />damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property;
<br />(iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or
<br />condition of the Property.
<br />(R) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or Default on,
<br />the Loan.
<br />(S) "Partial Payment" means any payment by Borrower, other than a voluntary prepayment permitted
<br />under the Note, which is less than a full outstanding Periodic Payment.
<br />(T) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the
<br />Note, plus (ii) any amounts under Section 3.
<br />(U) "Property" means the property described below under the heading "TRANSFER OF RIGHTS IN THE
<br />PROPERTY."
<br />(V) "Rents" means all amounts received by or due Borrower in connection with the lease, use, and/or
<br />occupancy of the Property by a party other than Borrower.
<br />(W) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its
<br />implementing regulation, Regulation X (12 C.F.R. Part 1024), as they may be amended from time to time, or
<br />any additional or successor federal legislation or regulation that governs the same subject matter. When used
<br />in this Security Instrument, "RESPA" refers to all requirements and restrictions that would apply to a
<br />"federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan"
<br />under RESPA.
<br />(X) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or
<br />Rocket Mortgage, LLC (NMLS #: 3030) I Rocket Mortgage, LLC (NMLS #: 3030) I Cody M Vincent (NMLS #:
<br />1409152)
<br />NEBRASKA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 07/2021
<br />ED 25306.5 Page 3 of20
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