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201206722 PdrCel ID Number. 400090536 wlrich cmrently has the address of 724 1P&ST 14TH STREET (Street) G'�2AtiD ISLANn (City), Nebraska 68801 (Zip Code) ("Property Address"): TOGETHER WITH all the improvements now or hereafter eracted on the property, and all easementa, appurteuances, and fixtures now or hereafter a part of the property. All replacements md additions sha11 also be covered by flus Securit7 Instrument. All of the foregoing is referred to in ttris Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interest granted by Borrower in tlris Security Instrument, but, if necessazy to comply with law or custom, MERS(as nomince for Lwd�md 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 ac[ion required of Lender including, but not limited to, releasing and canceling flris Securit7 Instrument. HORROWER COVENANTS that Boirower is lawfully aeised of the estate hereby conveyed and has the right to grant and convey the Property and that the Property is imencumbered, eaccept for encumbrances of racord Horrower warrants and will defend genaally the title to the Property against all claims and demands, subject to any encim�brances of record. THIS SECURITY INSTRUMENT combinea uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform securiTy instrument covering real property. UniFam Covenarrts. Bonower and Lender covenant and agree as follows: 1. PaymerM of Principal, Ir�terest, Escrow Items, PrepaymeM Charges, and Late Charges. Horrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment cUarges and laYe charges due uoder the Note. Honower shall also pay funds for Escrow Items pursuant 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 inshvment received by Lender as payment under tt�e Note or ttris Security Inst�wnent is returned to Lender�mpaid, Lender may require that any or all subsequent payments due under the Note and tlris Security In.wrument be made in one or�re of the following forms, as selected by Lender: (a)cssh; (b)money order; (c)cer[ified check, bank check, h��surer's check or cashier's check, provided any such check is drawn upon an instiUfion whose deposits are insured by a federal agcmcy, instrumentality, or enrity; or(d)Electronic Funds Transfer. Payments aze dcemed received 6y Lender when received at the location desigoated in the Note or at such other localion as may be designated by Lender in accordance with the notice provisions in Section 15. I,ender may retmn any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept sny payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to iu rights w refuse such payment or partial payments in the future, but I.enda is not obligabed 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 uoapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower dces not do so within a reasonable period of time, Lender shall either apply auch funds or rehsn them to Borrower. If not applied earlier, such funde will be applied to the outstanding principal balance wder the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Leader shall relieve Borrower from making paymenis due under the Note and tlus Security Insmunent or perfornring the covenants and agrcements secured by tlus Security Instrmnent. 2300250433 D VBANE NEBMSKA-SInpN Fanlly-Fannia MriFraddN Mac UNIFOHM INSTRUMENT WRH MENS Form 3026 1/01 VMP;n7 VMP9AINE�(17051 WoNers KWwx Finandal Servicee Pepe 4 at 17