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201f06441 (C� uLender" is iFREEDOM DIRECT CORPORATION Lender is a A CORPORATION the laws of STATE OF UTAH 2363 SOUTH FOOTHILL DRIVE, SALT LAKE CITY, UT (D) "Trustee" is CHICAGO TITLE INSURANCE COMPANY organized and eacisting under . Lender's address is (E) uMERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument MERS is organized and existing under the laws of Delawaze, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (F') uNote" means the promissory note signed by Bonower and dated August 26, 2011 . The Note states that Borrower owes Lender One Hundred Eleven Thousand Three Hundred Forty Three and no/100 Dollars (U.S. $111,343.00 ) plus interest. Bonower has promised to pay this debt in regulaz Periodic Payments and to pay the debt in full not later than September 01, 2041 . (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (I� KLoan" means the debt evidenced by the Note, plus interest, any prepayment chazges and late chazges due under the Note, and all sums due under this Security Instrument, plus interest. (n "Riders" means all Riders to this Security Instrument that are executed by Bonower. The following Riders are to be executed by Borrower [check box as applicable]: ❑ Condominium Rider ❑ Planned Unit Development Rider ❑ Graduated Payment Rider 0 Other(s) [specifyJ VA ASSUMPTION RIDER (,n "Applicable Law" means all controlling applicable federal, state and local stahrtes, regulations, ordinances and administrarive rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. Ifthe indebtedness secwed hereby is guaranteed or inswed under Title 38, United States Code, such Title and Regulations issued thereunder and in effect on the date hereof shall govern the rights, duties and liabiliries of the parties hereto, and any provisions of this or other instruments executed in connection with said indebtedness wtuch are inconsistent with said Title or Regulations are hereby amended to conform thereto. (I� uCommunity Association Dues, Fees, and Assessments" means a11 dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an NEBRASKA—Single Family�JNIFORM INSTRUMENT NEBRASKA-MERS r'�� ITEM 269712 (072711) � (P ege 20173) RETZLAFF,E�00434918 00004349�5