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<br />(G� "Lender" is U. S. Bax�►k N. A.
<br />Lende�r is a Natiox�a►1 Aaeociation
<br />organiz�ed and existing under the laws of
<br />Lender's address is 4901 Frederica
<br />The United Ststes Qf America
<br />Street, Q�rensboro, RY 4230X
<br />(D) 'Trrtatee" is �r . Thamas I,ocher
<br />2002 Douglas Street, 200 Tha Omaha Club, Omaha, NE 68102
<br />(E) '�RS" is Mortgage Electronic Registrarion Systems, Inc. MERS is a separate corporation that is
<br />acting solely as a nominee for Lender and Lender's successors arid assigns. MERS is the benefidary
<br />under thia Security Inetrunaent. MERS is arganized and existing under the laws of Delaware, and hav an
<br />address and telephone number af P.O. Bax 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />(� 'Note" means the promissory note signed by Borrower ancl dated 10/27/2010 .
<br />The Note states that Borrower owes Lender Saventy-Four Thoueand Nine Hundred
<br />Ninety-Three and 00/1QOths Dollara
<br />(iJ. S. $ 74 , 993 . 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic
<br />Payments and to pay the debt in full not later tban Novamber O1, 2040 .
<br />(G) 'Troperty" rneaus the property that is described below under the heading "Transfer of Rights in the
<br />Property. ��
<br />(Fn '�,oan" means the debt evidenced by the Nate, plus interest, any prepayment charges and late charges
<br />due under the Note, and all sums due under this Security Instrument, plus interest.
<br />(n '�tiders" means all Riders ta this Security 7nstrument that are executed by Borrower. The following
<br />R.iders 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 0 1-�4 Family Ridcr
<br />0 VA Rider [] Biweekly Payment Rider 0 Other(s) [specify]
<br />(� "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 />(I� "Community Associatlon Due�s, Fees, and As�e��ments" means all dues, fees, assessrnents and other
<br />chazges that are irnposerl on Bonower or the Property by a condominium association, homeowners
<br />association or sirnilar organization.
<br />(L) "Electronic �nds Tranafer" means any transfer of funds, other than a transaction originated by
<br />check, draft, ar sirnilar paper instrument, which is initiated tbrough an electronic terminal, telephonic
<br />instrument, cornputer, ar magnetic tape so as to order, instruct, or authorize a financial institution W debit
<br />or credit an accouut. Such term includes, but is not limited to, point-af-sale transfers, autamated teller
<br />machine transactions, transfers init�atad by telephone, wire transfers, and autoznated clearinghouse
<br />transfers.
<br />(Nn "Escrow Itema" rneans those items that are described in Section 3.
<br />(1� "Miscellaneou� Proceeds" rneans any compcnsation, settlement, award of diunages, or proceerls paid
<br />by any third Party (ather thar� insurance proceeds paid under the caverages describerl in 5ection 5) far: (i)
<br />damage to, or destruction of, the Property; (ii) candemnation or other taking of all or any part of the
<br />Pruperty; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omisaions as to, the
<br />value and/or condition of the Property.
<br />(U) "Mortgage Insurance" means insurance prote�ting Lender against the nonpayme�nt of, ar default on,
<br />the Loan.
<br />2200079023 D v6ANE
<br />NEHRA5KA - 5ingle Family - Fannle Mae/Freddle Mac UNIFORM INSTRUMENT WITH M
<br />�'- -BA(Nq �ve�o� Pepe 2 af 15 i,,;��i �� Form 3028 1/01
<br />�
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