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200206904 (C) "Lender "is Home Federal Savings and Loan Aeon of Grand Island Lender is a Savings and Loan organized and existing under the laws of The State of Nebraska Lender's address is 221 South Locust St Grand Island NH 68801 - Lender is the beneficiary under this Security Instrument. (D) snuhtek" is Arend R Baack, Attorney (E) "Note" means the promissory are signed by Borrower and ciatedaune 28th, 2002 The Note states Thal But nwel awes Lender ONE 111ma RD FIFTY SIX THOUSAND FOUR Ho ROD ANB 00 /100 Dollars (U.S_ $156,400.00 ) plus interest Borrower has promised to pay this debt in regular Periodic Payments and to pay the tlebl In NII nor later Nan February 1, 2003 (F) "Property" means the property dml is described below under the heading "Transfer of Rights in the Property -" (C) "Loan" mans the debt evidenced by the Note, plus interest, any prepayment charges amt late charges the under the Nate, and all sums due under Nis Security Instrument, plus interest. (H) "Riders" menus all Riders to this Security fi stmmcnt that are executed by Borrower. The following Riders are to be exciand by But [check box as applicable]: L] Adjustable Rate Rider C Condominium Rider Second Home Rider EJ Balloon Rider Phvmed Unit Development Rider 14 Family Rider F-1 VA Rider Biweekly Payment Rider Others) [specify] (1) "Applicable Law" mesas all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (Nat have the effect of law) as well as all applicable final, non appealable judicial opinions. (.I) "Community Association Duch, Gees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer' means any (toaster of funds, other than a transaction originated by check, drag, or similar paper instrument, which is initiated duough a electronic concert, telephonic instrument, computer, or magnetic tapes as to order, instruct, or authorize a financial institution to debit or credit an account. Such teen includes, but is not turned m, point of sale transfers, aotomamd teller nchinc transactions, uniefers initiated by telephone, wire transfers, and automated clearinghouse transfers. . (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" ocans any compensation, settlement, award of damages, or proceeds paid by any third parry (other than insurance proceeds paid under the coverages described in Section 5) for �) damage w, or destruction Of, the Property; (it) condenmation or other taking of all or any part of the Pleoperry; (iii) ionveyince in lieu of wndennnannl.. Or (iv) misrepresentations Of. Or omissions as m, the value and /or condition of the Property. (N) "Mortgage Insurance" means memories protecting Lender against the nonpayment of, or default on, the Loam. ® -01NEI 100051 Page 2C1 eoew.. FOrm3028 1101