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� . � 201201896 V2 WBCD LoAN # 503398012 sale,the following described property located in the COUNTY �Type ot Recording Jurisdiction]of HALL [Name of Recording Jurisdiction]: FRACTIONAL LOT 6, IN FRACTIONAL SLOCK 18, IN H.G. CLARK'S ADDITION, AND IT'S COMPLSMENT� TO PIIT: FRACTIONAL LOT 6 IA FRACTIONAL BLOCK 12, IH THE ORIGINAL TONN, NOW CITY OF GRAND ISLAND, HALL CO[JNTY� NEBRASKA APN #: 400031191 IIIIIIIIIIIIlIlIIIIIII EMDE 44736152 NE FIRST AMERICAN ELS DEED OF TRUST ��I�� which currently has the address of 616 w 6mx sT, GRaxn isx.a�o, [streei][C�Y] Nebraska 68801-4542 ("Property Address"): [Zip Code� TOGEfHER WITH all the improvements now or hereafter erected on the properry,and all easements, appurtenances,and fixtures now or hereafter a part of the property.All replacements and additions shall also be covered by this Security 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 interests granted by Borrower in this Security 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 ihose 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 Property and that the Property is unencumbered, except for encumbrances of record.Borrower warrants and will defend generally the title to the Property against all claims and demands,subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real properry. 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 charges 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 require that any or all subsequent payments due underthe 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 are 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 partial payments are 'rnsufficient to bring the Loan current. 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 are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time,Lender shall either apply such funds 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 Borrower might have now or in the future against Lender shall relieve Borrowerfrom making payments due underthe Note and this Security Instrument or pertorming the covenants and agreements secured by this Security Instrument. � Initials: L� � � NEBRASKA-Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Fwm 30281/01 Online DacumeMs,Inc. PagE 3 O} 11 NEEDEED 1108. 02-22-2012 15t18