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201103ti�9 (C) "Lender" is Home Federal Savings and Loan Assn of Grand Isl and Lender is a Savi ngs and Loan 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 Lender's address is 221 South Locust St Grand Isl and NE 68801- Lender is the beneficiary under this Security Instrument. (D) "Trustee" is Arend R Baack, Attorney (E) "Note" means the promissory note signed by Borrower and dated A p r i 1 2 2, 2 O 11 . The Note states that Borrower owes Lender ON E H U N DR E D 0 N E THO USAN D F I V E H U N DRE D AND 00/100 Dollars (U. S. $ 101. 5 0 0. 0 0 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than May 1, 2026 . (Fy "Property" means the property that is descrihed below under the heading "Transfer of Rights in the Property " (G) "Loan" means the debt evidenceci by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus iuterest. (� "Riders" means all Riders to this 5ecv.rity Instn�ment that aze exe,cuted by Borrower. The following Riders are to be executed by �orrower [clseck box as applicable]: Q AcE�ustabte Rat� Rider 0 C:oncPu�i� Rider Q�ecand �Iome Ridea 0�Fooa Ridea Q LJar�t �velQpment Ttider Q�-4 �au�y Ric� Q VA Riaer � Biwee�y P�t Ricler Q C1�ea(S) �s�i€Yl (n "AEpplieable Lav�� s � e��g agp�ie�le feder�, �e �md �vca� �, regutations, orc�i� �1 � ev�e �es a�d �adess (tT� �ve the effeet o£ �aw) as �lI ��3 agplicab2e fiaal, IIorn-�ggea�a6S.e y�,ciat c�gginio�,s. �� "C�mmu�it� As�iation D►x�.s, Fces, �l A�sments" m�s a� dn�s, fe�s, �ss�:e�s �ad ot3�er charges t�t a�re i� omm Bo�o�er c�r �Fse �'rop�rt�r by a�do�rsc� assoesatiom, hom�wners associ�Eie� os si� rnrg�ni.zation. (� "Electronic F�►nds Transfer" means �try transfer of fuuds, other than a transaction originated by check, draft, or sinnilar paper uastrument, which is initiated througYc an electtrclnic terminal, telephonic instrument, computer, or magneric tape so as to order, instruct, or authozize a financial insritution to debit or credit an account. 5uch term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiatec� by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (iVn "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third pazty (other than insurance proceeds paid under the coverages described in Section 5) for: (i) da.mage to, or destrucrion of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the vatue and/or candition of the Property. (1� "Mortgage Insurance" means insurance proteeting L,ender against the nonpayment of, or default on, the Loan. NEBRASKA - Single Family - Fannie Mae/Freddie {Vlac UNIFORM INSTRUMENT �-6(NE) losi �� Page 2 of 15 t�tcia�s: Form 3028 1/01 O �