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<br />Lender's address is 2101 CFiAPEL PLAZA COURT, SUITE 107, COLUMBIA,
<br />MISSOURI 65203
<br />(D) '"1'rustee" is OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY
<br />(E) "MERS" is Mortgage Electronic Registration 5ystems, Inc. MEKS is a separate corporation that is acting
<br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the benefieiary under this Security
<br />Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number
<br />of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated JANUARY 2 7, 2 011 .
<br />The Note states that Borrower owes Lender ONE HUNDRED FOURTEEN THOUSAND FIVE
<br />HUNDRED AND 0 0/ 10 0 Dollars (U. S. $ 114 , 5 0 0. 0 0 )
<br />plus interest. Borrower has promisecl to pay this debt in regular Periodic Payments and to pay the debt in full not
<br />later than FEBRUARY 1, 2 0 41 .
<br />(G) "Property" means the property that is described below under the heading °Transfer of Rights in the Property."
<br />(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under
<br />the Note, and all sums due under this Security lnstrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are
<br />to be executed by Borrower [check box as applicable]:
<br />� Adjustable Rate Rider
<br />� Balloon Rider
<br />� 1-4 Family Rider
<br />� Condominium Rider
<br />� Planned Unit Development Rider
<br />� Biweekly Payment Rider
<br />� Second Home Rider
<br />� Other(s) [specify]
<br />VA ASSUMPTION POLICY RIDER
<br />(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect of law) as well as all applicable fmal, non-appealable judicial
<br />opinions.
<br />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges
<br />that are imposed on Borrower or the Property by a condominium association, homeowners association or similar
<br />organization.
<br />(L) "Etectronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft,
<br />ar similar paper instrument, which is initiated tlu�ough an electronic terminal, telephonic instrument, computer, or
<br />magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term
<br />includes, but is not limited tq point-of-sale transfers, automated telier machine transactions, transfers initiated by
<br />telephone, wire transfers, and automated clearinghouse transfers.
<br />(M) "Escrow ltems" means those items that are described in Section 3.
<br />(N) "Misceltaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any
<br />third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage tq or
<br />destruction of, the Property; (ii) condemnation or other taking of ali or any part of the Property; (iii) conveyance in
<br />lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property.
<br />(0) "Periodic Payment" means the regularly scheduled amount due for {i) principal and interest under the Note,
<br />plus (ii) any amounts under Section 3 of this Security lnstrument.
<br />(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing
<br />regulation, Regulation X(24 C. F. R. Part 3500), as they might be amended from time to time, or any additional or
<br />successor legislation or regulation that governs the same subject matter. As used in this Security Instrument,
<br />NESRASKA-Single Family-UNIFORM INSTRUMENT DocMagic � soo-s4e-�ss2
<br />MODIFIED FOR DEPARTMENT OF VETERANS AFFAIRS - MERS www.docmagic.com
<br />(Rev. 1/01) Page 2 of 14
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