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201103866
<br />Lender' s address is 2 017 5 N. 6 7 TH AVENUE , GLENDALE , ARI Z ONA 8 5 3 0 8
<br />(D) 'Trustee" is Gary D Byrne, a member of the Nebraska State Bar Association
<br />503 W KOENIG ST, GR.AND ISLAND, NEBRASKA 68801
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporarion that is acting
<br />solely as a nominee for Lender and Lender' s successors and assigns. MERS is the beneficiary under this Security
<br />Instrument MERS is organized and existing under the laws of Delawate, and has an address and telephone number
<br />of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />(F� 'TTote" means the promissory note signed by Bonower and dated MAY 2 0, 2 O 11 .
<br />The Note sta.tes that Bonower owes Lender ONE HCTNDRED NINE THOUSAND THREE
<br />HLTNDRED AND 0 0/ 10 0 Dollars (U. S. $ 10 9, 3 0 0. 0 0 )
<br />plus interest. Bonower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not
<br />later than JUNE 1, 2 0 41 .
<br />(G) 'Troperty" means the property that is descn'bed below under the heading "Transfer of Rights in the Property."
<br />(� 'Z.oan" 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 Instrument, plus interest
<br />(n "Riders" means all Riders to this Security Instrument that are executed by Bonower. 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 />(� "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 final, non-appealable judicial
<br />opinions.
<br />(I� "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) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft,
<br />or similaz paper instrument, which is initiated through 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 accoun� Such term
<br />includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by
<br />telephone, wire transfers, and automated clearinghouse transfers.
<br />(1Vn '�scrow Items" means those items that are described in Section 3.
<br />(1� "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any
<br />third party (other than insurance proceeds paid under the coverages descrbed in Section 5) for: (i) damage to, or
<br />destruction o� the Property; (ii) condemnation or other taking of all 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) 'Teriodic 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 Instrument.
<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 />Bo rrower Initia �
<br />N�RASKA-SingleFamily-UNIFORM INSTRUMENT pocMeg/c�
<br />MODIFlm FOR DEPARTMENT OF VEfERANS AFFAIRS - MB�S www.docmegJc.com
<br />(Rev. 1l01) Page 2 of 14
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