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<br />Lender's address is 2~I25 E. CAMELBACK RD, PHOZ;NIX, ARIZONA $5015
<br />(D) "Trustee" is GARY D BYRNE; A MEMBER OF THE NEBRASKA STATE BAR ASSOCIATION
<br />503 W KOENIG ST, GRAND TS7JAND, NEBRASKA 68801
<br />(E) "ME12S" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting
<br />solely as a nominee For Lender and Lender's successors and assigns. MERS is the beneficiary under this Security
<br />Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number
<br />of P.O. Box 2026, Flint, MI 4$501-2026, tel. (88$) 679-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated AUGUST 2 3 , 2 010 .
<br />The Note states that Borrower owes Lender NINETY-ONE THOUSAND EIGHT HUNDRED AND
<br />00/100 Dollars (U.S. $ 91, 800.00 )
<br />plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not
<br />latex than SEPTEMBER 1, 2 04 0
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
<br />~ "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under
<br />the Note, and all sums due under this Security Instrument, plus interest.
<br />(n 'Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are
<br />to be executed by Borrower [check box as applicable]:
<br />~ Adjustable Rate Rider ~ Planned Unit Development Rider
<br />[J Balloon Rider [] Biweekly Payment Rider
<br /> 1-4 Family Rider [] Second Home Rider
<br />[] Condominium Rider ~ Other(s) [specify]
<br /> VA ASSUMPTION POLICY RIDER
<br />(~ "Applicable Law" 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 fmal, non-appealable judicial
<br />opinions.
<br />(I~ "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges
<br />that are imposed on Borrower or the Property by a condominium association, homeowners association or similar
<br />organization.
<br />(L) "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 sa as to order, instruct, or authorize a financial institution to debit or 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 />(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 paid by any
<br />third parry (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or
<br />destruction of, the Froperty; (ii) condemnation or other talcing 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 />(O) "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 Rea] Estate Settlement Procedures Act (12 U.S.C. §260] 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 l.egislatian or regulation that governs the same subject matter. As used in this Security Instrument,
<br />NEBRASKA-Single Family-UNIFORM INSTRUMENT DacMagic~ soo-sae-r3sz
<br />MODIFIED FOR DEPARTMENT OF VETERANS AFFAIRS -MERS www.docmagfc.com
<br />(Rev. 1 /01) Page 2 of 14
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