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20��0�044 <br />(C) "Lender"isHome Federal Savings and Loan Assn of Grand Island <br />Lender is a Savi ngs and Loan <br />organized and existing under the laws of Th e S t at e o f N e b r a 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) "Trustee" is Arend R Baack. Attorney <br />(E) " Note" means the promissory note signed by Bonower and dated S e p t e m b e t^ 2 Z. Z 011 . The Note <br />statesthatBorrowerowesLender ONE HUNDRED FIFTY SIX THOUSAND AND 00/100 <br />Dollars (U. S. $15 6, 0 0 0. 0 0 ) plus interest. Bonower has promised to pay this debt in regulaz <br />Periodic Payments and to pay the debt in full not later than 0 c t o b e r 1, 2 0 41 . <br />(F) "Property" means the property that is described below under the heading "Trausfer of Rights in the <br />Property." <br />(Ga "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due <br />under the Note, and a11 sums due under this Securiry Instrurnent, plus interest. <br />(H) "Riders" means aiT; Ri;ders to this Security Instnxment that are executed by Bonower. The following Riders <br />are to � ex�� by Bor�wer Echeck box as agplicablej: <br />Q�4cfij�t�I� Ra�e �id� Q eo�omsnium Riaer Q second I�ome Ria�r <br />Q�Ila�g Ri� Q PF.�naeck �Jnit Developrn�ent Rider 0 I-4 Famit,y Rider <br />Q �L�. �E�' Q �Y{�+P��� �`d�11�TIt RIf�CT � 0[jI�3} �S�ECI�/� <br />�i) "Qp�atFca6re L�w" mean.s aII coIItra�iing applicable federal, state and local statut�, regulations, ordinances <br />au� a�is6ratcve �tes and oFders (that fiave the effect of law) as well as alI applicable final, non-appeatable <br />juciicial opiaic�ns. <br />�J} "6:otrEmunit�r Assoceaticsn �u�, �ees, and Assessments° means all dues, fees, assessments and other <br />charges that arr� imPclsect on Borrower or the Property by a condominium association, homeowners <br />association or simiiar organiza.tion. <br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transacrion originated by check, <br />draft, or similar paper iustrument, which is initiated through an ele,ctronic terminal, telephonic instrument, <br />computer, or magneric tape so as to order, instruct, or authorize a financial institution to debit or credit an <br />account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine <br />transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. <br />(L) "Escrow Items" means those items that are described in Section 3. <br />(M? "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) <br />damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the <br />Property; (iii) conveyance in lieu of condemna.tion; or (iv) misrepresentations of, or omissions as to, the <br />value and/or condirion of the Property. <br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT • Form 3028 1/01 <br />VMP 0 VMP6(NE) (1105) <br />Wolters ICluwer Financial Services Page 2 of 17 <br />