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(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (12 C.F.R. Part 1024), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, " RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in the COUNTY [Type of Recording Jurisdiction] of HALL [Name of Recording Jurisdiction] BEGINNING AT A POINT 379 FEET EAST OF THE SOUTHWEST CORNER OF THE SOUTHEAST QUARTER (SE 1/4) OF SECTION FIVE (5), IN TOWNSHIP NINE (9) NORTH, RANGE NINE (9) WEST OF THE 6TH P.M., IN HALL COUNTY, NEBRASKA, (SAID POINT BEING ALSO THE SOUTHEAST CORNER OF LOT THREE (3) OF THE COUNTY SUBDIVISION OF PART OF THE SOUTH HALF OF SECTION FIVE (5), IN TOWNSHIP NINE (9) NORTH, RANGE NINE (9) WEST OF THE 6TH P.M., IN HALL COUNTY, NEBRASKA) RUNNIGN THENCE NORTH 192 FEET ALONG THE EAST LINE OF SAID LOT THREE (3) UP TO THE SOUTH LINE OF THE MADELIN FRY ADDITION TO DONIPHAN, THENCE EAST 75 FEE ALONG SAID SOUTH LINE, THENCE SOUTH 192 FEET TO THE SECTION LINE, AND THENCE WEST 75 FEET, ALONG SAID SECTION LINE, TO THE PLACE OF BEGINNING IN HALL COUNTY, NEBRASKA. which currently has the address of 110 E PINE ST DONIPHAN [Street] , Nebraska 68832 [City] [Zip Code] L ( "Property Address "): TOGETHER WITH all the improvements 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 "Property." NEBRASKA — Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Fo 3028 GCC - G3028 -03 (11/02) (Page 3 of 19) nitials: