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. , 201209340 Parcel ID Number: which currently has the address of 1721 DOREEN ST GRAND ISLAND (Street) ("Property Address"): (City), Nebraska 68803-6122 (Zip Code) TOGETHER WITH all the improvemenls now or hereafter erected on the property, and all easements, appurtenances, and fixWres now or hereafter a part of Ihe property. All replacements and additions shall also be covered by Ihis Security Instrument. All of the foregoing is referred ro in this Security Instrument as the "Property." Borcower underslands and agrees that MERS holds only legal litle [o the inleres[gran[ed by Boreower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has Ihe righL to exercise any or all of Ihose interests, including, but not limited [o, the right ro foreclose anA sell the Properly; and to take any action required of Lender including, bul nol limiled to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seised of(he estate hereby conveyed and has Ihe right to grant and convey [he Property and that Ihe Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the tifle to �he Property against all claims and demands, subjec[ lo any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction m constitute a uniform security instrument covering real property. Uniform Covenants. Borcower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due fhe principal of, and inleresl on, the debt evidenced by [he Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds For Escrow Items pursuan[ lo Section 3. Paymen[s due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrumen[ received by Lender as payment under the Note or Ihis Security Instrument is returned lo Lender unpaid, Lender may require that any or a0 subsequent payments 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) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institulion whose deposils are insured by a federal agency, instrumentality, or enti[y; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at (he location designaled in the No[e or at such other location as may he designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the paymenl or partlal payments are insufficient lo bring the Loan currenL Lender may accept any payment or parlial paymen! insufficient ro bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or par[ial payments in the future, but Lender is not obligated to apply such payments at Ihe time such paymenls are accepted. If each Periodic Payment is applied as of its scheduled due date, Ihen Lender need nol pay interesl on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment lo bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or retum them to Borrower. If not applied earlier, such funds wi(1 be applied to the ou[standing principal balance under lhe Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instn�menl or performing the covenants and agreements secured by this Security Instrumenl. 001'123233'151 NE9RASKA�Single Famly-Fannle Mae/Fretltlic Mac UNIFORM INSTRUMEN I WITH MERS Citibank 32.63.13 V3 VMP� Woltrrs Nluwer financial Services Form 302B 1/pl VMP6A(NE)(1105).00 Vage 9 0(1]