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2o�oos33� (C) "Lender" is Home Federal Savi ngs and Laan Assn of Grand Isl and I.ender is a Savi ngs and Loan organized and existing under the laws of T h e S t d t F' Q 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 Inscrument. (D) "Trustee" is Arend R Baack. Attorney (E) "Note" means the prornissory note signed by Borrower and dated N o v e m b e r O 1. 2 � 1 Q . The Nate states that Bonower owes Lender 0 N� H U N D R E D T H I R T Y S E V E N T H 0 U S A N Q F I V E HUN�RED AND 00/100 Dollars (U.S. $137. 500 . 00 ) plus in.terest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full nat later than D e c e m b e r 1. 2 0 4 0 . (k� "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" rneans the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sw�us due under this Security Instrument, plus interest. (I� "Riders" rneans all Ridez's to this Security Instrument that are executed by Borrower. The following Riders are to be ezecuted by Borrower [check box as applicable]: � Adjustable Rate Rider [] Condominium Rider � 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" means 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 "Commuanity Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, harneowners association or sirnilar orgaziization. (K) "Electconic I+tinds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instnunent, which is initiated through an electa'onic ternunal, telephonic instrument, computer, or magnetic capa so as to order, instruct, or authoriae a�nancial institutian to debit or credit an account. Such term includes, but is not limited to, point-af-sale transfers, automated t�ller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" rneans those items that are described in Sectian 3. (Nn "Miscellaneous Proceeds" means any compen.sation, settlement, award af damages, or proccecls paid by any third party (other than insurance procceds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu af condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (1� "Mortgage Insurance" means insurance protecting Lender against the nanpayment of, or default on, the I.oan. i��t�sis: �-6G(NE) (00o51.oi Page 2 of i 5 Form 3028 1/01 � � �� J � �' ��