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201208122 and has an address of 1000 Technology Drive O'Fallon , MO 63368-2240 Borrower owes Lender the principal sum of One Hundred Twenty Five Thousand Four Hundred Six Dollars (U.S. $125,406.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instmment ("Note"), whlch provides for monthly payments, with[he full deb[, if not paid earlier, due and payable on October 1, 2042 . This Security Instrument secures to Lender: (a) the repayment of the debl evidenced by the Note, with interest, and all renewals, extensions and modifications of U�e Note; (b) the payment of all other sums, with in[eres[, advanced under paragraph 7 lo protec[ the security of this Security Instrument and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and wnveys to the Trustee, in trust, wilh power of sale, [he following descrlbed property located in Hall County, Nebraska: SEE ATTACFIED SCHEDULE A Parcel ID Number: which has the address of 4251 NEVADA AVE (.Strcc[J GRAND ISLAND (City], Ne6raska 68803-1004 [Lip Code] ("Property Address"); TOGETHER WITH all the improvements now or hereafter erected on [he property, and all easemenls, appurtenances and £ixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Securi[y TnstrumenL All of the foregoing is reFerred to in this Secueily Instrument as the "Property." Borrower understands and agrees tha[ MERS holds only legal title to the inleres[s gran[ed by Borrower in this Security Instrument bu[, if necessary to comply with law or cusloin, MERS, (as ttominee for Lender and Lender's successors and assigns), has the dght to exercise any oe all of those interests, including, but no[ limited [o, the right to foreclose and sell the Property; and to take any action required of Lender including, bat not limited to, releasing or canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seized of the eslale hereby co�veyed and has the right to grant and convey [he Property and that the Property is unencumbered, except for encunibrances of record. Borrower warrants and will deFend generally the tille to die Property against all claims and demands, subject ro any encumbrances of rewrd. THIS SECURiTY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limlted varlations by jurisdiction to consti[ate a aniform searrlty instrument covering real property. UnifOrm COvenantS. Rorrower and I.ender covenan[and agree as follows: 1. Fdyment of Principal, Interest and Late Charge. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. 001"123168426 Citibank 3.2.61.12 V4 � FHA Mortgage WITH MERS-NE Revisetl 4l96 VN1P OO VMPoN(NE)(1109).00 Wd[ers Nluwer Flnanclal Servlces Page 2 of t0