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201�OOG1� <br />(C) "Lender" is Home Federal Savi ngs and �oan Assn of Grand I sl and <br />Lender is a Savi ngs and Loan <br />organized and existing under the laws of T h e S t a t e o f N e b r a s k a <br />Lender's address is 221 South Locust St Grand I sl and NE 68801 - <br />Lender is the bene�ciary under this Security Instrument. <br />(D) "Trustee" is Arend R Saack, Attorney <br />(E) "Note" means the promissory note signed by Borrower and dated J a n u a r y 2 4, 2 O 11 . <br />The Note states that Borrower owes Lender F017R HUNDRED SEVEN THOUSAND THREE <br />HUNDRED TEN AND 00/100 Dollars <br />(U.S. $ 407 , 310 . 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic <br />Payments and to pay the debt in full not later than F e b r u a r y 1, 2 0 41 . <br />(� "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property. " <br />(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges <br />due under the Note, and all sums due under this Security Instrument, plus interest. <br />(I� "Riders" means a11 Riders to this Security Instrument that are executed by Borrower. The following <br />Riders 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 � 1-4 Family Rider <br />� VA Rider � Biweekly Payment Rider 0 Other(s) [specify] <br />(I) "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 �na1, <br />non-appealable judicial opinions. <br />(J) "Community Association Dues, Fees, and Assessments" means a11 dues, fees, assessments and other <br />charges that are imposed on Borrower or the Property by a condominium association, homeowners <br />association or similar organization. <br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by <br />check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic <br />instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit <br />or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller <br />machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse <br />transfers. <br />(L) "Escrow Items" means those items that are described in Section 3. <br />(1Vn "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid <br />by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) <br />damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the <br />Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the <br />value and/or condition of the Property. <br />(1� "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, <br />the Loan. <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />�-G�NE) (0811) Page 2 of 15 i��t�eis: � Form 3028 1/01 <br />J <br />