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0 2o�ous2si (C) "Lender" is First National Bank of Umaha Lendez is a p National Banking Association orgtinized and e�isting under the laws of Lender's address is 1620 Dod6e Street Stop Code 3165 pmaha, NE 68197-3165 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is First National Bank of Omaha, a National Banking Association NEBRASK.A (�) "Note" �a�eans the pro�nissory note signed lry Barrower and dated Novealiber l, 2010 • The Note states that Borrower owes Lendcr Qne Hundred Twenty-Eight Thousand Two Hundred Fifty and OD/1U0 Dollars (U.3. $ 128,250.U0 ) plus ir►terest. Borrower has promised to pay this debC in regular Periodic Payments and to pay the dcbt in full not later than Deceanber 1, 2040 . (F� "Property" means the property that is described below under the hcading "Transfer of Rights in thc Property." (G) "Loan" means the debt evidenced by the Note, plus interest, ariy prepayment char�es and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Ridcrs" means all Ridcrs to this Security Instrument tb.at are cxecuted by Borrower. The following Riders are to be esecuted by Borrower [check box as applicable]: � Adjustable Rate Rider � Balloon Rider � VA Rider ❑ Other(S) (SpeCify] ❑ Condominium Rider ❑ Planned Unit Development Rider � Hiweekly Payment Rider ❑ Second Home Rider ❑ 1-4Farai]yRider (n "Applicable Law" means all controlling applicable faderal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effe�t of law) as well as all applicable final, non-appealable judicial opinions. (.n "Community As�ociation Dues, Fees, and Assessments" n�eans all dues, fees, assessinents and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similarorganization. (l� "�lectronic Funds Tranxfer" means any transfer of funds, other than a transaction originated by check, draFt, or similar paper instiument, which is initiated through a.n clectronic terniinal, telephonic instnunent, computer, or magnetic tape so as to order, instruct, or authorize �► financial institution to debit or credit an account. Such term includes, but is not lunited to, point- of-sale lransfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse lransfers. (L) "Escrow Items" means those items that are described in Section 3. (1Vn "Miscellancaus Proceeds" means any compensaCion, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of a11 or uiy part of the Property; (iii)conveyance inlieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or conditaon of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default an, the Loan. (p) "Periodic Fayment" means the re�ularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any a.mounts under Section 3 oFthis Security Tnstniment.. l G.� NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFORM INSTRUMENT � � � ��-6�NE) (�11) Paga 2 of 74 Initlals: _J� [i 2 DDS-NB9 II�I� ��III ��IY ��III IIIIIII �III IIII IIIII IIIII IIIII II�II IIIII IIII� 11� �' OODDN E9637766 Form 30Z8 1/01