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Date of Instrument
<br />05 -31 -2013
<br />Annual Rate
<br />Principal Amount Maturity Date of Interest
<br />$89,000.00 05 -31 -2046 3.125%
<br />This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals,
<br />extensions and modifications of the Note, (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the
<br />property covered by this Security Instrument; (c) the performance of Borrower's covenants and agreements under this Security Instrument
<br />and the Note; and (d) the recapture of any payment assistance and subsidy which may be granted to the Borrower by the Lender pursuant
<br />to 42 U.S.C. §§ 1472(g) or 1490a. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust,
<br />with power of sale. the following described property located in the County of Ha 11 , State of Nebraska:
<br />The Westerly Fifty Five (55) Feet of the Northerly Ninety Two (92) Feet and the
<br />Southerly Fifty (50) Feet of the Westerly Thirty Five (35) Feet of Lot Two (2) and
<br />the Easterly Fifteen (15) Feet of Lot Three (3), Block Six (6), in the Original Town
<br />of Doniphan, Hall County, Nebraska
<br />which has the address of 103 West Cedar Street , Doniphan, NE
<br />201304311
<br />[ Street ] [City ]
<br />Nebraska 6 8 8 32 ( "Property Address ");
<br />[Zip Code]
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all casements, appurtenances, and
<br />fixtures which now or hereafter are a part of the property. All replacements and additions shall also be covered by this Secunty
<br />Instrument. All of the foregoing is referred to in this Security Instrument as the 'Property".
<br />BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and
<br />convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend
<br />generally the title to the Property against all claims and demands, subject to any encumbrances of record.
<br />THIS SECURITY INSTRUMENT combines uniform covenants for national use and non - unifonn covenants with limited
<br />variations by jurisdiction to a uniform security instrument covering real property.
<br />UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
<br />1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due
<br />the principal of and interest on the debt evidenced by the Note any prepayment and late charges due under the Note.
<br />2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall
<br />pay to Lender on the day monthly payments are due under the Note, until the Note is paid in fill, a sum ( "Funds ") for: (a) yearly taxes
<br />and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or
<br />ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; and (d) yearly flood insurance premiums, if any.
<br />These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum
<br />amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate
<br />Settlement Procedures Act of 1974 as amended from time to time. 12 U.S.C, § 2601, et seq. ( "RESPA "), unless another law or federal
<br />regulation that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to
<br />exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of
<br />expenditures of future Escrow Items or otherwise in accordance with applicable law.
<br />The Funds shall he held by a federal agency (including Lender) or in an institution whose deposits are insured by a federal
<br />agency, instrumentality, or entity. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for
<br />holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower
<br />interest on the Funds and applicable law permits Lender to make such a charge. However, Lender may require Borrower to pay a
<br />one -time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable
<br />law provides otherwise. Unless all agreement is made or applicable law requires interest to be paid, Lender shall not be required to
<br />pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid
<br />on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the
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