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2 0 2 f fl2061 <br />(B) "Lender" is Navy Federal Credit Union, A Federally Chartered Credit Union. Lender is a <br />federally chartered credit union organized and existing under the laws of the United States of <br />America. Lender's address is 820 Follin Lane SE, Vienna, VA 22180. Lender is the beneficiary <br />under this Security Instrument. The term "Lender" includes any successors and assigns of Lender. <br />(C) "Trustee" is Navy Federal Credit Union. Trustee's address is 820 Follin Lane, Vienna, VA <br />22180. The term "Trustee" includes any substitute/successor Trustee. <br />Documents <br />(D) "Note" means the promissory note dated April 3, 2026, and signed by each Borrower who <br />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 <br />Electronic Signature in accordance with the UETA or E-SIGN, as applicable. The Note evidences <br />the legal obligation of each Borrower who signed the Note to pay Lender Two hundred sixty eight <br />thousand and 00/100 Dollars (U.S. $268,000.00) plus interest. Each Borrower who signed the Note <br />has promised to pay this debt in regular monthly payments and to pay the debt in full not later than <br />May 1, 2056. <br />(E) "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 />0 Other(s) [specify] <br />(F) "Security Instrument" means this document, which is dated April 3, 2026, together with all <br />Riders to this document. <br />Additional Definitions <br />(G) "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 />(H) "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 />(I) "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 />NEBRASKA-Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Wolters Kluwer Financial Services, Inc. <br />1111 <br />2026040326.1.0 6405- 20250326Y <br />DOT -CONY 8058473730-002-023' <br />III I 1111 I I II 1111 1111 <br />8058473730 <br />Form 3028 07/2021 <br />02/2025 <br />Page 2 of 23 <br />