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201�09455 Bo�owEx cov8v�vrs rn� �o� ��uy �a of r�� the right to grant and convey the Properiy and that the Property is unencumbered, of recard. Bonowe� warrants and will defend generally the title to the Prop demands, subject to any encu�brances of record n��y �� a n� except for encumbrances ert�' against all claims and THI3 SECLTRITY INSTRUMINT combines uniform cowenants for national use aad nox�uniform covenants with limited variations by jurisdiction to c�nstitute a uniform s�nrity inslrument covering reat PrOPertY• UNIFORM COVENANTS. Boaower and Lender covenant and agrce as follows: 1. Payment of Prindpal, Interest, Escrow Items, Prepayment Charges, �nd Late Charges. Boaower sball pay when due the principal o� and interest on, the debt evidenced by the Note and any �repayment charges and late charg� due under the Nota. Bonower ahall also pay fimds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instnnmeat shall ba mada in U. S. currency. However, if any check or other insh�ument recaivad by Lender as payment under tha Note or this Sec�mty Instrument is returned to Lender unpaid, Lender may require that any or all subsequent PaY� due under the Note and this Se�urity Instrument be made in one or more of tha following forms, as selectai by I,ender. (a) c�sh; (b) money order; (c) certified checl� bank chacl� treasurer' s check or cashier' s cherl� provided any such check is drawn upon an instihrtion whosa degosits ara insure� by a federal agency, instrumentality, ar entity; or (d) Ele�tronic Funds Transfer. Payments are deemeri received by Lender when received at the location designated in the Note or at such other lacation as may be designaYed by Lender in accordance with the notice prov�ons in Se�tion 15. Lmder may rehirn any payment or paitial payment if the payment or partial payments are insufficie,at to bring the Loan current. Lender maY �Pt �Y Payment or partial payment insufficient to bring the Loan cuQent, without vvaiver of aay rights hereunder or prejudice to its rights to refuse such Papmffit or Pa�al payments in the firtura, but Lender is not obligated to apply such payments at the time such gayments are accepted. If each Periodic Payment is applied as of i�c scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such imappliad funds imril Bonower makes payment to bring the Loan cunent If Borrower does not do so within a reasonable period of tisne, Lender shall either apply such fuads or rehirn them to Borrower. If not applied eazlier, such fixnds will be applied to tha outst�.ding gmncipal balanca under the Note immediately prior to foreclosure. No offset or claim which Boaower might hava now or in the firture against I.ender shall relieve Borrower from maldng payments due under the Note and this Security Instrument or performing the covenants and agreements seeured by this Security Tn, m+en 2. Applicadon of Pa�ments or Proce�s. Except as otherwise d�scn'beri in this Se�ion 2, all payments accepted and apphed by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) PrinciPal duue under tha Nota; (c) amounts due under Sec:tion 3. S�ch PaYm"ents shall be applied to each Periodic Payment in the order in wluch it b�ame due. Any remaining amflunts sha11 be applied first to lats charges, s�ond to any other aznounts due under t1�is S�urity Instrum�t, and thm to reduce the principal balance of the Note. If Lender r�eives a payment from Bonower for a delinquent Periodic Payment whiclq includes a sufficient amount to pay any late chazge due, the payment may be applied to the delinquent paymeat and the late charge. If mara than one Periodic Payment is outstanding, Lender may apply any payment re�eive�i from Borrower to the repayment of the Periodic Payments i� and to the extent that, each payme�t c�n be paid in full. To the extent that any exc�s axists after the payment is appliefl to the full payment of ona or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as descn'bed in the Note. Any applic�tion of payments, insurance groceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, ar change the amount, of the Peri�ic Payments. 3. Fands for Eaerow Items. Bonower shall pay to Lender on the day Peri�ic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for. (a) taxes and assessments and other items which can attain priority over this Se�urity Instrument as a lien or encumbrance on the Properiy; (b) leasehold payments or ground rents on the Properiy, if any; (c) pxemiums for any and all insurance requirai by Lender under Secrion 5; and (d) Mortgage Insuranca 2200200425 NESRASKA - Single Family - Fannle Mae/Freddle Mac UNIFORM INSTRUM�IT WITH NIOtS �-6a(Nq�oa,o� �aBa�t,S i�w�: m � n v� Form 3028 1/01