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202504851 <br />(B) "Lender" is Four Points Federal Credit Union <br />Lender is a organized and existing under the laws of <br />NEBRASKA . Lender's address is 2545 S 180TH ST, OMAHA, <br />NEBRASKA 68130 <br />The term "Lender" includes any successors and assigns of Lender. <br />(C) "Trustee" is FOUR POINTS FEDERAL CREDIT UNION <br />Trustee's address is 2545 S 180TH ST, OMAHA, NEBRASKA 68130 <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 acting solely <br />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, MI 48501-2026, tel. (888) 679-MERS. <br />Documents <br />(E) "Note" means the promissory note dated August 28, 2025 , 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 Borrower' s <br />written pen and ink signature, or (ii) electronic form, using Borrower' s adopted Electronic Signature in accordance <br />with the UETA or E-SIGN, as applicable. The Note evidences the legal obligation of each Borrower who signed the <br />Note to pay Lender TWO HUNDRED FIFTY THOUSAND AND 00/100 <br />Dollars (U.S. $ 250,000.00 ) plus interest. <br />Each Borrower who signed the Note has promised to pay this debt in regular monthly payments and to pay the debt <br />in full not later than September 1, 2040 <br />(F) "Riders" means all Riders to this Security Instrument that are signed by Borrower. All such Riders are <br />incorporated into and deemed to be a part of this Security Instrument. The following Riders are to be signed by <br />Borrower [check box as applicable]: <br />Adjustable Rate Rider <br />• 1-4 Family Rider <br />• Second Home Rider <br />O Condominium Rider <br />O Planned Unit Development Rider <br />Other(s) [specify]: <br />(G) "Security Instrument" means this document, which is dated August 28, 2025 , together <br />with all Riders to this document. <br />Additional Definitions <br />(H) "Applicable Law" means all controlling applicable federal, state, and local statutes, regulations, ordinances, <br />and administrative rules and orders (that have the effect of law) as well as all applicable final, non -appealable judicial <br />opinions. <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) <br />Form 3028 07/2021 <br />I <br />Page 2 of 19 <br />INEM <br />i <br />✓DocMagic <br />