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201207099 Parcel ID Number: 400090368 which currcnt(y has the address of 609 W 15th St (Strees) Grand Island �c�ry), Neb�a�68801 �zrE,code) ("Property Address"): TOGETHER WITH all the improvements uow or hereafter erected on the property,and all easements, appurtenances,and fixtures now ot hereafter a part of the property.All replacemen[s and additions shall also be covered by this Security Iastrumeut.All of the foregoing is referred[o in this Security I�strument as the 'Property."Sorrower understands and agees that MERS holds only legal ti[le to the interes[grauted by Bormwer in thu SecuriTy Iustrumcnt,but, if nceessary to wmpty with law or custom,MERS(as nominee for Lender and Lender's successors and assigns)has the right:to exercise any or all of those interests,including,but not limited W,the right to forecbse and sell the Property; and to take any xction 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 tight[o grant and convey[he Property and that the Property is unenwmbered,except for encumbrances of record. Borrower wanants and will defend general(y the title to the Proper[y against all claims aud demands,subjeet to any encumbrances of record. THIS SECURITY INSTRiTMENT combines uniform covenants for national use and non-uniform covennnts with limited variations by jurisdiction to constiWte a uuiform security instrument coveriug real property. Uniform CoVenants,Bonower and Lender covenant and agee as follows: 1. Paymentof Principal,lnterest,Escrowltems, PrepaymentCharges,and LateCharges.Boirower shall pay when due the principal of,and interest on,the debt evidenced by[he Note and any prepayment ckiargcs and latc chargcs due undcr thc Notc.Borrower shall also pay funds for Escrow Items pursuant W Section 3.Payments due under the Note and this Security Instrument shall be made in U.S. cursency. However, if any check or other instrument receivecl by Leuder as payment under tk�e Note or this Security Instrument is retumed to Lender unpaid,Lender may require that any or alI subsequent paymwts due under the 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)cer[ified check,bank check, treasurer's check or cashier's c6eck,provided any such check is drawn upon an institution whose deposits aze insured by a federal agency, instrumentality,or entiTy;or(d)Elecfronic Funds Trausfer. Payments aze deemed receivcd by Lcnder whcn received a[the location desiguated in the Note or at such other bcation as may be designated hy Lender in accordance with the notice provisions in Section 15. Lender may return any payment or par[ial payment if the payment or par[ial payments are inxufficient to bring the Loan current, Lender may accept any payment or partial payment insutficient W 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 ume such payments aze 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 I,oan currcnL If Borrower docs not do so within a reasonable period of timc,Lender shall either apply such fuuds or return them to Borrower. If not appiied eazlier,such funds will be applied to the outstanding principai balance under the Note immediately prior fo foreclosure. No offset or claim which Bo�rower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Securiry Instrumen[or perfonning the covenants and agreements secured by this Security Instrument. NEBR45KASIngle Famlly-Fannie MadFretltlle Mac UNIFOftM INSTRUMENT WITH MERS Foim 30281/Of VMP� VMPoA(NE)p105).W Wotters 1(lu.rerFinancial Servicea Page 4 of 1T III IIIIIIIII III'n il I'lllllll'll I IIIII II'IIIII'll q03309764280 0233 328 0417 � � �� �$�