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201300804 and has an address of 1000 Technology Drive O'Fallon , MO 63368-2240 . Borrower owes Lender the principal sum of Sixty Five Thousand Two Hundred Fifty Four Dollars (U.S. $65,254.00 I. This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on February 1, 2043 . This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to pmtect the security of this Security Instrument; and lc) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to the Trustee, in trust, with power of sale, the following described property located in IIall County, Nebraska: See Attached Legal Parcel ID Number: which has the address of 1304 N PINE ST [Street] GRAND ISLAND [City], Nebraska 68801-3862 171p Coded ("Property Address"); TOGETHER WITH all the impmvenents now or hereafter erected on the property, and all easements, appurtenances and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument All of the foregoing is referred to in this Security Instrument as the "Properly." Bonuwer understands and agrees that N-IERS holds only legal title to the interests granted by Bonuwer in this Security Instrument; but, if necessary to comply with law or custom, NIERS, (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 to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing or canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to grant and convey the Property and that the Pmperty is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY 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 agree as follows: 1. Payment 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. 001123363626 Citibank 3 2 65 07 V2 FHA Mortgage WITH MERS-NE Revised 4/96 VMP m VMP4N(N6](1109).00 Welters Kluwer Hammel Services Page 2 of 10