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2oiooso43 (C) "Lender" is Home Federal Savi ngs and Loan Assn of Grand I sl and Lender is a Savi ngs and Loan organized and existing under the laws pf T h e S t a t e o f N e b r a s k a Lender's address is 221 South Locust St Grand I sl and NE 68801- Lender is the beneficiary under this Security Instrument. (D) "Trustee" is Arend R Baack, Attorney (E) "Note" means the pramissary note signed by Borrower and dated 0 c t o b e r 2 5, 2 010 . The Note states that Borrower owes Lender 0 N E M U N p R E D E L E V E N T H 0 U 5A N D TWO H U N D R E D AND 00/100 Dollaxs (U. S. $ 111. 2 0 0. 0 D ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than N o v e m b e r 1, 2 0 2 5 . (� "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayrnent charges and late charges due under the Note, and a11 swms due under this Security Instrument, plus interest. (I� "Riders" means all Riders to this Security Instrum.ent that are executed by Borrower. The fallowing Riders are to be executed by Borrower [check box as applicable]: 0 Adjustable Rate Rider ❑ Condominiurn Rider 0 Second Home Rider � Balloon Rider � Planned Unit Development Rider � 1-4 Family Rider � VA Rider 0 Biweekly Payment Rider � Other(s) [specify] (I) "Applicable Law" rneans all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (,n "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and otkier charges that are impased on Borrower or the Property by a condominium association, horneowners association or similar orgaruzation. (K) "Electronic �nds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrurnent, computer, or magnetic tape so as to order, instruct, or authorize a�nancial institution to debit or credit an account. Such term includes, but is not limited to, point-of sale transfers, automated teller machine transaction.s, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, seCClement, award of darnages, or proceeds paid by any third party (other than insuraaice proceeds paid under the coverages described in Section 5) for; (i) damage ta, or destruction of, the Property; (ii) condernnation or other taking of all or any part of the Property; (iii) canveyance in lieu of condemnation; or (iv) misrepresentations of, or ornissions as to, the value and/or condition of the Property. (1� "Mortgage Insurance" rneans insurance protecting I.ender against the nonpayment of, or default on, the I,oan. NEBRASKA - Single Family - Fannie MaalFreddie Mac UNIFORM INSTRUMENT � �. �-B�NE) ios i i� Paqe z or i a m�t�sis: '��' -� Form 302$ 1/01