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<br />(B) "Borrower" is Earl Tibbs AND Marlene Tibbs, husband and wife as joint tenants. Borrower is
<br />the trustor under this Security Instrument.
<br />(C) "Lender" is ACCESS NATIONAL MORTGAGE CORPORATION. bender is a corporation
<br />organized and existing under the laws of the State of VIRGINIA. Lender's address is 1800 ROBERT
<br />FULTON DRIVE, SUITE 350, RESTON, VIRGINIA 20191.
<br />(D) "Trustee" is ROBERT W. KRAFT.
<br />(E) "HERS" is Mortgage Electronic Registration Systems, Inc. HERS is a separate corporation that is
<br />acting solely as a nominee for Lender and Lender's successors and assigns. HERS is the beneficiary
<br />under this Security Instrument. MFRS is organized and existing under the laws of Delaware, and has
<br />an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (88$) 679-MFRS.
<br />(F) "Note" means the promissory note signed by Borrower and dated May 19, 2009. The Note states
<br />that Borrower owes Lender One Hundred Twenty One Thousand Nine Hundred Fifty Two And
<br />00/100 Dollars (U.S. $ 121,952.00) plus interest. Borrower has promised to pay this debt in regular
<br />Periodic Aayments and to pay the debt in full not later than June 1, 2039.
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the
<br />Property."
<br />(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late
<br />charges due under the Note, and all sums due under this Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following
<br />Riders are to be executed by Borrower [check box as applicable]:
<br />[ ] Adjustable Rate Rider [ ] Condominium Rider [ ] Second Home Rider
<br />[ ] Balloon Rider [ ] Planned Unit Development Rider [ ] 1-4 Family Rider
<br />[X] VA Rider [ ] Biweekly Payment Rider [ ] Other(s) [specify]
<br />(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations,
<br />ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final,
<br />non-appealable judicial opinions.
<br />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and
<br />other charges that are imposed on Harrower or the Property by a condominium association, homeowners
<br />association or similar organization.
<br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by
<br />check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic
<br />instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit
<br />or credit an account. Such term includes, but is not limited to, point-of--sale transfers, automated teller
<br />machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse
<br />transfers.
<br />(M) "Escrow Items" means those items that are described in Section 3.
<br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds
<br />paid by any third party (other than insurance proceeds paid under the coverages described in Section 5)
<br />for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of
<br />the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to,
<br />the value and/or condition of the Property.
<br />(O) "Mortgage Insurance" means insurance protecting Lender against 'the nonpayment of, or default
<br />on, the Loan.
<br />NEBRASKA -Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH HERS Form 3028 1/Ol
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<br />Initials: Cl L t ~r
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