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20�10569ti <br />(C) "Lender" is Home Federal Savi ngs and Loan Assn of Grand Isl 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 8 s k a <br />Lender's address is 221 South Locust St Grand Isl and NE 68801- <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trastee" is Arend R Baack, Attorney <br />(E) "Note" means the promissory note signed by Bonower and dated J u 1 y 2 9, 2 O 11 . <br />The Note states that Bonower owes Lender ONE HUNDRED TWENTY TWO THOUSAND FOUR <br />HUNDRED AND 00/100 Dollazs <br />(U.S. $ 122 , 400 . 00 ) plus interest. Bortower has promised to pay this debt in regutar Periadic <br />Payments and to pay the debt in full not later than Au g u s t 1, 2 Q 2 6 . <br />(� "Property" means the praperty that is described below under the heading "Transfer of Rights in the <br />Property." <br />(G) "Loan" means the debt evidenced 6y the Note, plus interest, any prepayment charg� and late charges <br />due under the Note, an� all sums due under this Security fnsmunent, plus interest. <br />(� "Riders" means �lI Riders to this Security Instrument that are execu.ted by Borrower. The following <br />Riders are to be exeeuted hy Borrower [�heck box as applicable]: <br />[� Adjustable Rate Rider 0 Condominimn Rirler 0 Second Home Rider <br />� Balioon Ric�er Q Planned Unit I?evelogment Rider Q I-4 Family Rider <br />0 VA Rider 0 Biweekly Payment Ricter C� Other(s? [�ifY1 <br />(n "Appl'iicabte Lrave" means all controlling applicable federal, state and local statutes, regulations, <br />ordinances and administrative rules and orders (that have the effect af law} as well as all applicable final, <br />non-appealable judicial opinions. <br />(Jj "Comr�unity Association Dues, Fees, and A�ssessments° means all dues, fees, assessments and other <br />charges that are impc�sed on Borrower or tlte Property by a condomiaium association, homeowners <br />association or similar organizarion. <br />�"Electronic Funds Transfer" means any transfer of funds, other than a transacrion originated by <br />check, draft, or similar paper insttvment, whicti 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 au 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 />trausfers. <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 />datnage to, or destrucrion of, the Property; (ii) condemnarion or other taking of a11 or any part of the <br />Property; (iii) conveyance in lieu of condexnnation; 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 nonpaytnent of, or default on, <br />the Loan. <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />�-6(NE) (osi �) Page 2 of 15 Initials: Form 3028 1/01 <br />� <br />� <br />�� <br />