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20250208E
<br />(F) "Riders" means all Riders to this Security Instrument that are signed by Borrower. All such
<br />Riders are incorporated into and deemed to be a part of this Security Instrument. The following
<br />Riders are to be signed by Borrower [check box as applicable]:
<br />❑ Adjustable Rate Rider
<br />❑ 1-4 Family Rider
<br />❑ Second Home Rider
<br />❑ Condominium Rider
<br />❑ Planned Unit Development Rider
<br />❑ VA Rider
<br />❑ Other(s) [specify]
<br />(G) "Security Instrument" means this document, which is dated April 21, 2025, together with all
<br />Riders to this document.
<br />Additional Definitions
<br />(H) `Applicable Law" means all controlling applicable federal, state, and local statutes,
<br />regulations, ordinances, and administrative rules and orders (that have the effect of law) as well as
<br />all applicable 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,
<br />homeowners association, or similar organization.
<br />(J) "Default" means: (i) the failure to pay any Periodic Payment or any other amount secured
<br />by this Security Instrument on the date it is due; (ii) a breach of any representation, warranty,
<br />covenant, obligation, or agreement in this Security Instrument; (iii) any materially false,
<br />misleading, or inaccurate information or statement to Lender provided by Borrower or any persons
<br />or entities acting at Borrower's direction or with Borrower's knowledge or consent, or failure to
<br />provide Lender with material information in connection with the Loan, as described in Section 8; or
<br />(iv) any action or proceeding described in Section 12(e).
<br />(K) "Electronic Fund Transfer" means any transfer of funds, other than a transaction originated
<br />by check, draft, or similar paper instrument, which is initiated through an electronic terminal,
<br />telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial
<br />institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale
<br />transfers, automated teller machine transactions, transfers initiated by telephone or other electronic
<br />device capable of communicating with such financial institution, wire transfers, and automated
<br />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.
<br />§ 7001 et seq.), as it may be amended from time to time, or any applicable additional or successor
<br />legislation that governs the same subject matter.
<br />(N) "Escrow Items" means: (i) taxes and assessments and other items that can attain priority over
<br />this Security Instrument as a lien or encumbrance on the Property; (ii) leasehold payments or
<br />ground rents on the Property, if any; (iii) premiums for any and all insurance required by Lender
<br />under Section 5; (iv) Mortgage Insurance premiums, if any, or any sums payable by Borrower to
<br />Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions
<br />of Section 11; and (v) Community Association Dues, Fees, and Assessments if Lender requires that
<br />they be escrowed beginning at Loan closing or at any time during the Loan term.
<br />(0) "Loan" means the debt obligation evidenced by the Note, plus interest, any prepayment
<br />charges, costs, expenses, and late charges due under the Note, and all sums due under this Security
<br />Instrument, plus interest.
<br />(P) "Loan Servicer" means the entity that has the contractual right to receive Borrower's Periodic
<br />Payments and any other payments made by Borrower, and administers the Loan on behalf of
<br />Lender. Loan Servicer does not include a sub-servicer, which is an entity that may service the Loan
<br />on behalf of the Loan Servicer.
<br />(Q) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or
<br />proceeds paid by any third party (other than insurance proceeds paid under the coverages described
<br />in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of
<br />all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations
<br />of, or omissions as to, the value and/or condition of the Property.
<br />(R) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or
<br />Default on, the Loan.
<br />(S) "Partial Payment" means any payment by Borrower, other than a voluntary prepayment
<br />permitted under the Note, which is less than a full outstanding Periodic Payment.
<br />VO1.1.1.31656
<br />NEBRASKA-Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3028 07/2021
<br />Wolters Kluwer Financial Services, Inc. 02/2025
<br />25.2.0.6137-J20250303N Page 2 of 15
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