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��14��13� Bt)RR�'V�ER��VENANT�tha� Borrovver�s�awful�y s��sed of the es�ate hereb�c�nveyed and has the r�ght�o gran�and canv�y the Property and that the Proper�y �s uzaencumbered, except f�r encumbrances of recflrd. Barra�ver warrar�ts a�d will defend g��ra��y the titie to the Property a�ainst all cla�ms and demands, subject to any en�umbrances of record. T�IS SE�URITY INSTRtTMENT combines uniform cavenants far nat��na� use and nonWuniform covenants wi�h �imi�ed�aria�ions b�jurisd�ction to consti�ute a un�form s�curit� ins�ru�ment�o�ering rea�property. Unifvrm CvWenants. Borrower and L�nder Go�enant and agr�e as foll�ws: �. Paym�nt of Principal, �nte�est, Escrow Items� Prepayment Charges, and Late �harges. Borrovv�r sha�l pay wh�n due th�principal of, and �nterest�n, the deb�e�r�denced by the �Note and any pr�paym�n� charges ax�d �ate charg�s due und�r�he Note. Borr�wer sha�� a�so pay funds for Es�r�w Items pursuant�� Sectian 3. Payn�ents due under the N�te and this Secur�ty �ns�rurnent sha�l be made in t�.S. curren�y. Howe�er, if any check or o�her ins�rumen�recei�ved by Lender as payment under the No�e or�h�s Security Instrument is returned to Lender unpaid, Lender may require tha�any�r a�� subsequent payments due under th� Note and this Securit��nstrument be made in one or more af the fo��owing forms, as se�ected by Lender: �a} cash; �b} maney order; �c} certified check, bank ch�ck, tr�asurer=s check or cash�er`s check, provided any such ch�c�is drawn upon an�ns��tu�ion whose deposi�s are insured by a federal agency, ins�rumentality, or entity; or�d} Eiectroni�Funds Transf�r. Payments are d�emed reC�iWed by Lender when re�eived at the�acati�n designated in th� Note ar at such other�ocati�n as may�e designated by Lender in acc�rdance with th�notice pro�isions in Sect�on 15. L�nd�r may re�urn any payment ar par��al payment if the paymen�or par�ia�pa�ments are �nsufficient ta bring�he Loan current. L�nder may aCcep�any payment or par�ial paym�nt insuff�Cient t�br�ng�he Loan �urrent, with�u��vai��r of any righ�s h�reunder ar pre�udice to �ts righ�s t� refuse such pa�ment�r partial paymen�s in the future, bu� Lender is nat flb��ga�ed ta apply such payments a��he t��me such pa�men�s ar� accep�ed. �f ea�h Per�od�c Pa�ment is appli�d as�f its schedul��due dat�, then Lender n��d nat pay interest �n unapplied funds. Lender may h��d such unapp��ed funds until Borr�w�r ma�es payments to bring the L�an current. �f Barro�ver doe�not do s�w�th�� a reasonab�e per��d�f time, L�nder sha�� eith�r app�y su�h funds ar return them to Borrower. �f no�app�x�d�ar�ier, su�h funds wx�� be applxed ta�he au�stand�ng principal balance und�r the Na�e immed�atel�r prior ta foreclasure. No offset or c�aim wh�ch Bflrro�ver rnight have now ar in the future against Lender sha�I relieve Borrower from making paymen�s due under the Note and�h�s�ecur��y �nstrumen�or perf�rming th��o�enants and agre�ments secured by this S�curity �nstrumen�. 2. App�ication �f Payments or Pra�eeds. �xcept as atherwise descr��ed in this �ect�on�, a�l payrnen�s accepted and app�ied by Lender sha1�be appl�ed in the fol�o�ving order of pr�ar�ty: ta} in�eres�due under the Nntea tb}principal due und�r�he Note; �c}amoun�s due under Section 3. Such payments sha�I be app�ied ta �ach Perxodic Payment�n the arder in which it became due. Any remaining amaunts shall be app�ied first to late�harges, second ta any flther am�un�s due under th�s 5ecurity Instrumen�, and then ta reduce the prir�cipa� ba�anc�af�h�I�Iote. �f Lender receives a paym�nt fram Borrower for a delinqu�nt Periadic Payxnen�which �ncludes a suff�cient am�unt�o pay an��a�e charge due, th�pa�ment may be applied to�he del�nquent paymen�and�he Iate charg�. �f more than one Per��d�c Payment is outstand�ng, Lender may apply any payment rece��ed fram B�rraw�r to�he r�payrr�ent of the Per�odic Payments �f, and to the ex�ent that, each payment can�e pa�d in fu��. T� the exten�that any exc�ss ex�sts af�er the paym�nt is app��ed�o the fu�l paymen�af on�or m�re Per��d��Payments, such ex��s may b�applied to any late charg�s due. Vo�untary prepayments shall be appl��d fzrst�o an�r prepaym�nt charges and�hen as described in th�No�e, NEBRA5KA-5ingle Family-Fannie MaelFr�ddie Ma�UNIFQRM iNSTRUMENT Fvrrn 3D28 11D1 VMP� VMP6�NEf 413�2� WvlEers Kluwer Finar�cia!Ser�ice$ Pag�4 vf 7 7