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<br />(B) "Borrower" is Scott T Laws AND Kathali>pe. M Laws, HUSBAND AND WIFE, AS JOINT
<br />TENANTS WITH RIGHT OF SURVIVORSHIP. Borrower is the trustor under this Security Instrument.
<br />(C) "Lender" is ACCESS NATIONAL MORTGAGE. Lender is a corporation organized and existing
<br />under the laws of the State of VIRGINIA. Lender's address is 1800 ROBERT FULTON DRIVE, SUITE 350,
<br />RESTON, VIRGINIA 20191.
<br />(D) "Trustee" is ACCESS NATIONAL MORTGAGE.
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting
<br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this
<br />Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and
<br />telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated August 25, 2011. The Note states that
<br />Borrower owes Lender One Hundred Sixty One Thousand Nine Hundred Twenty Nine And 00 /100 Dollars
<br />(U.S. $161,929.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay
<br />the debt in full not later than September 1, 2041.
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the
<br />Property."
<br />(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due
<br />under the Note, and all sums due under this Security Instrument, plus interest.
<br />(1) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following
<br />Riders are to be executed by Borrower [check box as applicable]:
<br />[ ] Adjustable Rate Rider [ ] Condominium Rider [ ] Second Home Rider
<br />[ ] Balloon Rider [ ] Planned Unit Development Rider [ ] 1 -4 Family Rider
<br />[X] VA Rider [ ] Biweekly Payment Rider [ ] Other(s) [specify]
<br />(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances
<br />and administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable
<br />judicial opinions.
<br />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other
<br />charges that are imposed on Borrower or the Property by a condominium association, homeowners association or
<br />similar organization.
<br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check,
<br />draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer,
<br />or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. 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 />(M) "Escrow Items" means those items that are described in Section 3.
<br />(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by
<br />any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to,
<br />or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance
<br />in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property.
<br />(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the
<br />Loan.
<br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3028 1 /01
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<br />Initials:/ I1i•IC,
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