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20120606� Par�cel ID Number. 400378696 1322 1�ADOTa ROAD Graad Island ("Properf.y Ad�ess"): which currently has the address of (street) (Ciry), Nebraska 68803 (Zip Cvde) TOGETHER WITH all the improvements now or her�fter eracted on the properiy, and a11 easements, appurtenances, and fixtures now or hereafter a part of the properiy. All replacements and additions shall also be covered by this Sec�mty Inshv�ent. All of the faregoing is referred to in tlus Security Tnshwnent as the "Progerty." Borrower understands and agrees that MERS holds only legal title to the interest granted by Borrower in this Security Instrument, but, if necessar3+ to comply with law or custom, MERS (as nominee for Lender and I,ender' s sucxessors and assigns) has the right: to ex�cise any or all of those interests, including, but not limited to, the right to foreclose and sell the Progerty; and to take any acrion requir� of Lendar including, but not limited to, releasing and canceling this Security Ins�t. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Properiy and that the Property is unencumbered, except for mcumbrances of record Borrower wazrants and will defend generally the title to the Properiy against all claims and demands, subject to any encumbrances of record � THIS SECURITY INSTRLJMENT combine.c uniform covenants for na.tional use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering r�1 property. Uniform Covenants. Borrower and Lendar covenant and agree as follows: Payment of Principal, Ir�terest, Escrow Items� Prepayment Charges, and late Charges. Boaower shall pay when due the principal o� and interest on, the debt evidenced by the Note and any prepayment charges and late chazges due under the Note. Borrower sl�all also pay fimds for Escrow Items pursuant to Section 3. Payments due under the Note and this Sacurity In.qtrument shall be made in U. S. currency. However, if any check or other inshvment received by I.ender as payment under the Note or ttris Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and tlua Security Instrument be made in one or �re of the following farms, as selected by Lender: (a) cash; (b) money order; (c) certified ch�k, bank ch�k, 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 mtity; or (� Electronic Funds Transfer. Payments are deemed received by Lender when received at the lacation designated in the Note or at such other lacation as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or pattial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring tha 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 fimds. Lender may hold such unapplied funds wrtil Borrower makes payment to bring tha Loan current. If Bonower does not do so within a reasonable periad of time, Lender shall either apply such funds or return them to Borrower. If not applied esrlier, such fimds will be applied w tha outstanding principal balance under the Note immediately prior to for�losure. No offset or claim which Borrower might have now or in the firture against Lender shall relieve Borrower from making payments due under the Note and tlus Security Instrument or performing the covenants and agr�ts secured by tlus Security Instrument. NEBRASKA-Sh�is FrnOy-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WRH�MERS 6 Fwm 3038 1 01 yMP (ql VMPBA�NE117706) Woltera Kluw� Fb� Servicea PaBe 4 of 17