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�o��os�4� account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (11� "Escrow Items" means those items that aze described in Section 3. (1� "Miscellaneous Proceeds" means any compensation, settlement, awazd of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Secrion 5) for: (i) damage to, or destruction of, the Property; (ri) condemnation or other taking of all or any part of the Properiy; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Properiy. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 ofthis Security Instrument. (P) "RESPA" means the Rea1 Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its implementing regulation, Regulation X(24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restricrions that are imposed in regazd to a"federally related mortgage loan" even if the Loan does not qualify as a"federally related mortgage loan" under RESPA. (Q) uSuccessor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN TF� PROPERTY The beneficiary of this Security Inshument is MERS (solely as nominee for Lender and Lender's successors and assigns) and the successors and assigns of MERS. This Security Instrument secures to Lender: (i) the repayment of the Loan, and a11 renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Bortower irrevocably grants and conveys to Trustee, in trust, with power of sa1e, the following described property located in the County of Hall . [1'ype of Recording JurisdictionJ [Name of Recording Jurisdiction] LOT EIGHTEEN {18), BLOCK THREE (3), UNIVERSITY PLACE, AN ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA. ASSESSOR'S PARCEL NO.: 400099438 which currently has the address of 2724 COTTAGE STREET [streetJ GRAND ISLAND , Nebraska 68803 (°`Property Address"): [City] [Zip Code] NEBRASKA—Single Family—UNIFORM INSTRUMENT NEBRASKA-MERS G �� m ITEM 2697L3 (072711 �43491 B RETZLAFF,E0�434918