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<br />(I1) "Riders" means all Riders to this Security Instrument that are executed by Borrower.'fhe following Riders are
<br />to be executed by Borrower [check box as applicable]:
<br />❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider
<br />❑ Balloon Rider E] Planned Unit Development Rider El Biweekly Payment Rider
<br />❑ 1 -4 Family Rider ❑ Other(s) [specify]
<br />(1) "Applicable Eaw" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect of law) as well as all applicable final, non- appealable judicial
<br />opinions.
<br />(d) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges
<br />that we imposed on Borrower or the Property by a condominium association, homeowners association or similar
<br />organization.
<br />(IC) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft,
<br />or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or
<br />magnetic tape so as to order, instinct, or authorize a fmancial institution to debit mr credit an account. Such term
<br />includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by
<br />telephone, wire transfers, and automated clearinghouse transfers.
<br />(L) "Escrow Items" means those items that to described in Section 3.
<br />(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any
<br />third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or
<br />destruction of, the Property; (ti) condemnation or other taking of all or any part of the Property; (iii) conveyance in
<br />lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property.
<br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
<br />(0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note,
<br />plus (ii) any amounts under Section 3 of this Security Instrument.
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing
<br />regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or
<br />successor legislation or regulation that governs the same subject matter. As used in this Security Instrument,
<br />"RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage
<br />loan" even if the Loan does not qualify as a "Federally related mortgage loan" under RESPA.
<br />(ty `Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that
<br />party has assumed Borrower's obligations under the Note and /or this Security Instrument.
<br />TRANSFER OF RIGHTS IN TILE PROPERTY
<br />This Security Instrument secures to i.cmder (i) the repayment of the Loan, and all renewals, extensions and
<br />modifications of the Note; and (it) the performance of Borrower's covenants and agreements under this Security
<br />Instrument and the Note. For this purpose, Borr ower irrevocably grants and conveys to Trustee, in must, with power
<br />of sale, the following described property located in the County (Type ofxaording Jurisdiction)
<br />of Hall (Noncofitmoiding Jurisdiction).
<br />Lots Three (3) and Four (4), in Block Three (3), First Addition to Wood
<br />River, Hall Comaty, Nebraska, according to the recorded Plat thereof.
<br />which currently has the address of 207 E. 13th St.
<br />[Street]
<br />Wood River ,Nebraska 68883 ( "Property Address ").
<br />[city] 17i,"c]
<br />NEBRASKA — Single Family-- Fannic Mae/Freddie Mac UNIFORM INSTRUMENT Form 30281/01
<br />.1n,' (Page 2 f l3 pages)
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