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� 201108715 (C) "Lender" is EQUITABLE BANK Lender is a Sav1 ngs Bank organized and existing under the laws of TH E STATE 0 F N E B RAS I<A , Lender's address is 113-115 N LOCUST ST PO BOX 160 GRAND I SLAND NE 68802-0160 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is EQUITABLE BANK (E) "Note" means the promissory note signed by Borrower and dated NoVember 16, 2011 . The Note statesthatBorrowerowesLender FORTY ONE THQUSAND FIVE HUNDRED AND 00/100 Dollars (U.S. $41,5 0 0 .0 0 )plus it�terest, Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than D e c e m b e r 1, 2 0 2 6 . (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property,° (6) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (�i) "Riders" 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]: 0 Adjustable Rate Rider 0 Condominium Rider 0 Second Home Rider 0 Balloon Rider � Planned Unit Development Rider 0 1-4 Fainily Rider � VA Rider � Biweekly Payment Rider 0 Other(s) [specify] (1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law)as well as a11 applicaUle final, non-appealaUle judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are iinposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (I<) "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, teleplronic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institutioli 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 transfets, (L) "Escrow Items" meaiis those items that are described in Section 3. (M) "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 all 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. 231217 NEBRASKA-Singla Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP QQ VMP6INE�(1105� Woltars Kluwar Flnanclal Servlces Page 2 of 17