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2�1�os49� (C� "Lender" is Uni or� Bank and Trust C�mpany Lenderisa CommeC`Cia� B�t7k organized and existing under the laws of N e f� t' � 5!c d Lender's address is 4243 Pi oneer 1dc�ods [�ri ve Li�col n NE 68506- (D) 'Trustee"is Ut�iOl3 Ba�k & Trust C�mpany (E) '�RS" 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 organi2ed and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (� "1�Tote" means the promissory note signed by Borrower and dated Nt�vembeC 10 , 2011 . The Note states that Barrower owes Lender TWQ HUNDRED TWENTY F{lUR THC3USA�VD AI�[} 0�17:{}0 Dollars (U.S. $ 224, t7p(}.0(� ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than QeC�i�b�t' l, 2t141 . (G) '�'roperty" means the property that is described below under the heading "Transfer of Rights in the Property." (I� 'Z,oan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and a11 sums due under this Security Instrument, plus interest. (� '�tiders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: C] Adjustable Rate Rider C] Condominium Rider � Second Home Rider 0 Balloon Rider � Planned Unit Development Rider � 1-4 Family Rider C] VA Rider 0 Biweekly Payment Rider � Other(s) [specify] (.n "Applicable Law" means all controlling applicable federal, state and Iocal statutes, reguiations, ordinances and administrative rules and arders (that ha�e the effect of law) as well as a11 applicabie final, non-appealable judicial opinions. (I� "Community Association Dues, Fees, and Assessments" means all dues, fees, assesstnents and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (L) '�lectronic 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 institixtion to debit or credit an 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. (1Vn "Eserow Items" means those items that are described in Section 3. (1� "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of a11 or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. 11-1�-{}�(}106 NEBRASKA - Single Family - Fartnie MaelFreddie Mac UNIFORM INSTRUMENT WITH�IqERS �-6A�NE) (0810j Page 2 of 15 in�tiais: �7� Form 3028 7/07 �w ��