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201207093 Parcel ID Number: 400132370 which corrently has the address of 564 E 20th St ��zYePt� Grand Isldnd (Ctty), Nebraska68801 (ZipCode) ("Proper[y Address"): TOGLTHER WITH all tLe irziprovements now or liereafter erected on the pmperly, and all easemeuW, appurtenanccs,and fixtures uow or hereafter a part of the propeity.All replaccments and additions shall also be covcrcd by this Sccurity Instrumcnt. All of thc forcgoing is rcfcrrcd to in this Sccurity Instrumcnt as thc "Property."Borrower understands and agrees that MLRS holds only legal title to the interest ganted by Borro�ver in this Security InstmmenY,but, if neoessary to comply with law or custom, MBRS(as nominee for Lender and Lende�'s successors aud assigns)has thc right to excrcise any or all of those interes[s,including,but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender inclttding,but not limi[ed to,releasing and canceling this Security Inshvment. BORROWER COVENANTS that Aotto�ver is lawfully seised of the estate hereby conceyed aud has the right to grant and convey the Properry and that the Property is unencumbered,except fox eacumbrances of record. Boriowez warrauls and will defeud geuerally the tiNe to the&operty against xll claiu�s aud demauds,subject to any encumbrances of record. THIS SECLTRITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. Uniform Covenants.Borrower and Lender covenant and agrec as Yollows: 1. Paymentof Principal,lnterest, Escrowltems, PrepaymentCharges,andLateCharges.Borrowcr shall pay when due the principal of,and interest on,the debt evidenced by the Note and any prepaymcnt charges xnJ late chargea duc under the Note. Borrower shall alsc�pay funds fur bacrow Items pursuant to Section 3. Paymeuts due uuder[he Note aud tliis Security [nstrumeut shall be made in U.S.cuaency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrumcnt is returned to Lendcr unpaid, Lender may require that any or all subsequent payments duc under the Note aud this Sewrity Instrument be made in one or more of the following forms,as selectzd by Lender: (a)cash; (b)money order, (c)certified check,bank check, treasurer's check or cashier's eheek,provided any sttch check is drawn upon an instihttion whose deposiYs are insured by a federal agency, instmmentality, or entiry;or(d) Clectronic 1'ands Transfer. Payments are dccmed ieceived by Lcnder�vhen received at thc location designxtcd in the Note or at such other location as may be designated by Lendcr in accordance with the notice provisions in Section I5. Lender may return any paymeut or partial pxyment if the pxyment or pxnixl payments are insufficieut to bring the Loan current. Lender may accept an}'payment or parfial paymeut insufficient to bring[he Loa� cuircnt,without waivcr oY any righu hcrcundcr or prcjudicc to its rights to rcfusc such paymcnt or partial payments in the future,buY Lcnder is not obligated to apply such payments at the time such paymcnts aie accepted.if each Periodic Payment is applied as of its scheduled due date,then Lender need not pay interest ou unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan cutrent. If$orrower does not do so�cithin a reasonable period of time, Lendcr shall either apply such fimds or retum them to Borrnwcr. ff not applied carlier,such funds will hc xpplied to the outstanding principal balance under the Notc immediately prior to foreclosure.No offset or claim wbich Boirowcr migh[have now or in thc future against Lendcr shall relicve Borro�ver from making payments due under the Note and this Security Instrument ur performing the covenauts and xgreements secu�ed by thib Secucity Instrument. NEBRASKASingle Family-Fannie MaelFre,ticlie Mac UNIPORM INSTRIIMENT WITH MERS Form 30281/D1 VMP9 VMPBA�NE (1f05).00 Wdh:rs Kl�wer Flnencial Services age 4 n(R II I I II IIII I I IN III II II I I II I NIII I I II I I I I I IIIII III q03309249118 0233 313 0417