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202602758 <br />(C) "Trustee" is Stewart Title Guaranty Company, PO Box 2029, Houston, TX 77252-2029. The <br />term "Trustee" includes any substitute/successor Trustee. <br />Documents <br />(D) "Note " means the promissory note dated April 30, 2026, and signed by each Borrower <br />who is legally obligated for the debt under that promissory note, that is in either (i) paper form, <br />using 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 twenty four <br />thousand and 00/100 Dollars (U.S. $224,000.00) 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 />E Adjustable Rate Rider <br />L. 1-4 Family Rider <br />I ' Second Home Rider <br />ID Condominium Rider <br />L I Planned Unit Development Rider <br />11 VA Rider <br />O Other(s) [specify] <br />(F) "Security Instrument " means this document, which is dated April 30, 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 />(1) "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 I2(e). <br />(J) "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 />NEBRASKA-Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />Wolters Kluwer Financial Services. Inc. <br />2026042825.4.0.6329-N20250922Y <br />XXXX214657 <br />Form 3028 07/2021 <br />09/2025 <br />Page 20f21 <br />