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201200826 Parcel ID Number:400170692 which currently has the address of 308 E SYRIA (Street� Cairo (City), Nebraska 68824 (Zzp Code) ("Property Address"): TOGETHER R'ITH all the improvemeuts now or hereafter erected on thc property,and alt easements; appurtznances,and fixtures now or hereafter a part of the property. All replacemenCS and additions shall also bc covered by this Security Iustruinent.All of the foregoing is referred to in this Security Instrument as the "Property."Borrower understands and agrees thaC MERS holds only legal title to the interest granted by Borrower in this Security vistrument, but,if necessary to comply with la«�or custom,VfERS(as nominee for Leuder aud Lender's successors and assigns)has the right:to exercise any or all of those interests,including,but not limited to,the righY to foreclose and sell the Property;and to take any action required of Lender including,but not limited to,releasing and canceling this Security Inshument. BORROWER COVENANTS that Borrower is lawfu(ly seised of the estate hereby conveyed and has the rielit to grant and convey the Property and that the Properry is uuencumbered, except for encumbrances of ruord. Borrower warrants and will defend generally the tifle to the Property aaainst all claims and demands, subjwt to any encumbrances of record. THIS SECURITI INSTRUMENT combines tmiform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitu[e a uniform szcurity instrument covering real property. Uniform Covenants.Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.Borrower shall pay when due the principal of,and interest on,the debt evidenced by the Note and any prepayment chaz�ges and late charges due under the Note.Borrower shall also pay funds for Escrow Items pursuant to Section 3.Payments due under the Note and this Security Instrument shall be made in U.S. currency. However,if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid,Lender may reqture that any or all subsequent pa}rznents due imder the Note and this Security Instrument be made in one or more of the following forms,as selected by Lender: (a)cash;(b)money order;(c)certified check,bank chcck,trcasurcr's chcck ar cashier's check,provided any such check is drawn upon an instimtion whose deposits aze insured by a federal agency,inshvmentaliry,or entity;or(d)Electronic Funds Transfer. Paymcnts aze deemed received by Lender when received ai the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial paymenC if tl�e paymenC or parYial payments are insufficient to bring the L,oan eurrent. Lender may accept any payment or partial payment insufficient to bring the Loan current,without waiver of any righcs hereunder ar prejudice to its rights to refuse such payment or partial paymeirts in the future,but Lender is not obligated to apply such payments at the time such paytnents are accepted.If each Periodic Payment is applied as of its scheduled due date,then Lender need not pay interesc on unapplied funds Lender may hold such unapplicd funds until Borrower makes payment to bring the Loan cLUrenC If Borrower does not do so within a reasonable period of iime,Lender shall either apply such funds or return ihem to Bonower. If not applied earlier; such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure.No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Securiry Instrument. 8801142747 880114214/ NEBRASKA-Singis Family-Fannie MaeiFredCie M1lzc UtiiFORM INSTRUIJ�ENT WITH MERS Form 3028 1i�1 VNP Q VMPEA(NE)(�105) N/oiters Kluwer Flnanclal Servlces Page 4 of 17