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201207796 Parcel ID Number: 400215373 wl�ich cun�cnLly has �,e addrens of 4028 SCHFEL DR (5treerj Grand Island (Cit�), Nebraska 68801 (ZipCodeJ ("Properry Address"): TOGETHER WITH all d�e improvements now or hereafter erected on Ghe piaperly, and nl] cascmcnts, appurtenanccs, and fixtures now on c�rcaflcr n F�nrC uf ihe property. All replacements and additions sl�all also bc covcred by this Securiry Instrument. All of the foregoing is refereed 1'o iu d�is Security L�strument as the "Property." Borrower understauds aud agrees that MF,RS liolds only legal title U� Lhc interest gran�cd by Borrower in this Sceurity instrument, but, if ncu;sszvy [o comply with law or custom, M�RS (as nominef;for Lender and Lender's successors and assigns) has die right: to exercise auy or a11 of t��ose intarests, including, but not limiLcd to, fhe eight to foreclose and sell the Property; and to talce any action rcquircd of Lender inclndi��g, but not limited to, rcicesing �nd canceling this Seciu�iry Instrument RORROWER COVLNAN'P9 that Borrower is lawfiilly seised of the estate hereby com�eyed and lias the rigl�t to grant and convey the Property and that tlie ProperCy is une�emnbered, except for encumbranccs of recnrd. Borrower warrants and will defend �enerally tl�e title to Ll�o Property agninnt all claims and demands, subject Co any cncumbrnnccn oCrccord. THIS S�CURI"l�Y 1N57RUMLNT combines uniform cove¢ants for nafional use and non-uniforni covenants with tinited va��iations by,jurisdiction to constitute a uniform sccuriLy instcun��e�t covering real property. Uniform Covenants. Borrower and Leuder covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Rorrowcr sl�alJ pay when due Phe principal of, and interest on, the dcbt evidcnccd by thc NuLc and�my prepayment cl�argas and lafc oherges due undce thc Note. Borrower shaLL nlso pay funds for Esa�ow ICeuis pursuant to SeeCion 3. PaymenCs due uc�der tlie Note and tl�is Securiry InsCrument shall be made in U.S. currency. Howaver, if any checlz or ot7ier inst�uincnt rccaivcd by Lcndcr as paymcnt undcr the Note or this Sccuriry Insi��ument is returned to Lender impaid, Lender may require that aoy or all subsec�uenC paymeuts due�nder tl�e Note vid tl�is Secw�ity Inst��imenY be m�de in one or more of clie f'olLowu�g ta ms, as sclectcd by Lcnder: (a) cash; (b) money ordcr; (c) certificd cl�ecl4 ba�il< checi<, treasurcr's chcck or cashicr's check, provided any such eheel< ia drawn upon an insLi�uLion whosc deposiLs xre insured by a federal age��ey, instrumentality, or entity; or (d) ElecYianic Funds Transfer. Yayinents v�e deemed received by Lender when received at tl�e loc�tion designated in the Noke or at s�cli other focation as may be desiguated by Lender iu accordance with tlie��oticc provisions in Scction ]5. L,ender may return any payment or partial payment if the payinent or partial payments are insufficient Co hring the Loan current Lender may acceF�t any �ayme��t ur pareial payment insufficienC Co briag the Loan current, wiYhout waiver of any rights hereunder or prejudice to iCs right's to retuse such payment or pxrtial payments in r1�e{uture, but Leudec is not obligated to apply suclz paymen�,s at tl�c Limc sucli payments are acu;pl;ed. If each Periodic PaymcnL is applicd as of its schediiled duc da[e, then Lender need noC pay interest on unapplied fuuds. Leuder may hold such un�pplied fimds until Borrower mal<es payment to hring Ll�c Loxn current. If Borrower does not do so within a reasonable period of timc, Lcndcr nl�all eilher apply such funds or return tl�em to I3ocrower. If not applied earlier, such fimds will be applied to tlie outstauding principal balance under the Note immcdiately prior to forecloeure. No offsek or claim wl�ial� Borruwcr migh[ have now or i�� Lhc futurc againsl Lendcr shall rclievc Burrower from malcing paymen[s dne under the Nute and tlus SecuriCy InsCtumenC or performing die covenants 2nd agreements secured by this Securiry Instruuient. 880130D462 8801300A62 NEBHASKASIngIe Famlty-FennieMeelFradtlieN�acUNIFORM IN5T12UMENT WITH MEFS �'�• A.n✓��'. Form 30281l01 VMP� VMPfiA(NE)�1105) Wollors Kluwor Ftnancial Scrviccs Paye 4 of 1]