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201206855 Parcel ID Number: 4002 1 1 467 which currently has the address of 4723 GUNBARREL PL (5treet) Grand Island (Crty), Nebraska 68801 (L�p Cude) ("Property Address"): TOCETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the proper[y. All replaeemenfs and additions shall also Ue covered by this Securiry Instrument. All of the foregoing is referred to in this Security Instrument as the "ProperYy." Ba'rower understands and agrees that MERS holds only legal title fo the interest granted by Borrower in this Security LisU�ume�t, but, if oecessary to comply with ]aw or custom, MERS (as nomince for Lender and Lender's suceessors and assigns)hac the right fo exercise any or all of those interests, including but nof limited to, the right fo foreclose and sell the Property; and to [ake any action required of Lendcr including, but not limited to, releasing aod eanceling this Security Instrumen[. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveycd and has the right to grant and wnvey the Property and that tlie Property is unencumbered, except for encumUrances of record. Borrower wan�ants and will defend generally the title to the Properfy against alI claims and demands, subject to any encwnbrances of record. THIS SECURII'Y INSTRUMENT combines imiform covenants for national use and��on-unifm�m covenanGs with (imited variations by jurisdiction to constitute a uniform a�ecurity instrume�rt covering real property. � Uniform Cavenants. Borrower and Lender wvenant and agree as follows: 7. 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 Che NoYe and any prepayment charges and late charges due uuder the Note. Borrowcr shall also pay funds for Escrow Items pursuan[[o See[io� 3. Paymcnts due under tlie Note and fhis Security Instrument shall be made in U.S. currency. IIowever, if any check or other instrumeot received 6y Lender as payment under the Note or this Secw�iry InsU�ument is returoed to Lender unpaid, Lender may require that any or all subsequent payments due under d�e Note and this Security instrument be made in onc or more of the following forms, as seleeted by Lender: (a) cash; (6)mo�ey order; (e)eertified cheek, bank chcck, treasurer's check or cashier's eheek, provided a�iy such eheck is drawn upon an n�skitution wE�ose de�osits are insured by a federal agency, instrumentaliry, or entity; or(d)Electronic Fu�ds"1'ransfer. Payments are deemed received by Lender when received at d�e location designated in lhe Note or at such othcr ]ocation as may be designated by Lender in accm�dauce with the notice provisions in Section 15. Lender may reYurn auy payment or pa��tia1 payment if tlie payment or par[ial paymen[s are insufficient to bring the Loan current. Lender may accept any payment or paz�tial payment insu�cient to bring the Loan current, without waiver of aoy rights hercunder or prejudice to its rights[o refuse such payment or partial �aymcnts in the f'uture, but Lender is not obligated to apply sucli paymen[s at the [ime such payments are acccpted. If each Periodic Payment is applied ae of its sel�eduled due date, the�� Lender need not pay interest on unapplied funds. I.ender may hold such unapplied funds until Borrower makes payment to bxing the Lonn cw-rent If Borrower does not do so within a reasonaUle period of time, Lender shall either n}�ply such funds or reiurn them l0 13orrower. If not applied earlier, sueh funds will bc applicd to thc outstanding principal balance under Yhe Note immediately prim� to foreclosure. No offsel or claim whieh 13on�ower might have now or in the future against Lender sliall relieve Borrower 5�om making payments due under the NoYe and this Seci�rity lnstrument or perfonning the covenants and agrecmeots secured by this SecuriYy Tnst�vment. aeoiz�sn�e aeuiz�snia N EORASKA-Single Fam ity-Fannle M aelFredtlie M ac UN IFOPM INSTRII M ENT W ITH M ERS Form 302 tl 1101 VMP� VMP6Pe9e (1�06) W olte�s Kluw er financizl Services