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201200885 Parcel ID Number 400154617 4233 IITAH AVS Grand Islaad ("Property Address"): which currently has the address of (Street) (City), Nebraska 6 8 8 0 3 (Zip Code) TOGETI�R WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the properly. All replacements and additions shall also be covered by this 5ecurity Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interest granted by Bonower in this �curity Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Properly and that the Property is unencumbered, except for encumbrances of record Borrower warrants and will defend generally the title to the Property against a11 claims and demands, subject to any encumbrances of record. THIS SECURIT'Y INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform secwity 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. Bonower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pwsuant to Section 3. Payments due under the Note and tlus 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 require that any or all subsequent payments due under 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 check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits aze insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at 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 payment if the payment or paztial payments are insufficient to bring the Loan cunent. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments aze accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied fiznds. Lender may hold such unapplied funds until Bonower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such fiunds or return them to Borrower. 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 Bonower might have now or in the future against Lender shall relieve Bonower from making payments due under the Note and this Security Instrument or perfomung the covenants and agreements secured by this Security Instrument. 8801145731 N�R4SKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT WITH MERS VMP � Wolters Kluwer Flnancial Servic� 8801145731 Form 3028 1/01 VMP6A(NE� (11051 Pege 4 oi 17 � � �r � i !