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��14�5757 CASE #: NE32133355�3703 DaC ID #: ********3522�8014 TDGETHER WITH a11 the impro�ements na�v or hereafter er�cted on the property, and aIi easements, appurtenances and fixtures now ar hereafter a part af the praperty. All replacemen�s and additions shall also b� ��ered by this Se�urity Instrument. Al� of the foregving is referred #o in this Security Instrument as the "Property." Barrvwer understands and agrees that MERS holds vnly legal title tv the interests granted �y Bvrrower in this Se�urity Instrum�n#; but, if necessary to cornply with law❑r cust�m, MERS, �as nominee far Lender and Lender's successors and assigns},has the right:to exer�ise any or all of thase interests,inCluding,�ut nat limited to,the r�ght to fnre�lose and se�l the Property; and t�take any action required of Lender�n�luding, hut not limited to,re�easing�r caneeling this Security Instrument. B�RR�VL�ER��VENANTS that Barrower is�awful�y seized of the estate her�by�onveyed and ha5�he right to grant and con�e� the Prvperty and that the Prvperty is unencumbered, except fvr en�umbran�es vf record. Barrawer warrants and vv�ill defend generally the titl�to the Property against all claim5 and demands, subject to any encumbrances of r�cord. THIS SE�URITY INSTRUMENT c�mbines uniform co�enants fvr natinnal use and nvn-uniform c�venants vvith lYmi�ed variat�ans by jur�sdiction to canstitute a uniform security instrument Covering real pr�perty. UNIF�RM C�VENANTS.B�rrower and Lender��enant and agree as follovvs: 1. Paymen# af Principal, Interest and Lat� Charge. Borrower shall p�y when due the principal of, and interest on,the debt evidencQd by the Nvte and Iate�harges du�under th�Note. Z. Monthly Payment of Taxes, Insuran�e and Uther Charges. B�rrower sha�l include in �ach month�y payment,together with the principal and interest as set forth in the Note and any late charges,a sum fnr �a} tax�s and special assessm�nts IQv�ied or to be 1��ied against th�Property, �b} leasehold payments ar ground rents on�he Property,and (c} premiums f�r insurance required under paragraph 4.In any year in which the Lender must pay a mor#gage insurance premium to the 5e�r�tar� of Housing and Urban De�elopmen� �"Secretary"�, or in an�year in vWhich su�h pr�mium vr�ouid ha�e been required if Lender st�ll held the 5ecurity Instrument, each monthly payment sha11 also in�lude either: �i} a sum for the annual mortgage insuran�e prernium�❑he paid by Lend�r to the Secretary, �r {ii) a monthly charge instead vf a mortgage insurance premium if this S�curity Instrument is held by the Secretary, in a r�asonable amount tv he determinEd by the Secretary. Except fvr the mvnthly charg� by the 5ecretary, these items are �a11ed "Es�row Items"and the sums paid to Lender are called"Escrow Funds." Lender may,at any time,collect and hvld amounts for Escrovv Items in an aggregate amount not ta exceed the maximum amaunt that may b�requYred for Borrower's escr�w account under the Real Estate Settlement ProcQdures Act of 1974, 12 U.S.C.5ec�ion 2fiUZ et seq.and implementing regulativns, 12 C.F.R.Part 1�24, as they may he amended from tirne to time �"RESPA"), exc�pt that the cushi�n �r resert�e permitted by RESPA for unanticipated disbursements or disbursements before the Borrower's payments are available in th�ac��unt may not be based on amvunts due for the mortgage insurance premium. If the amaunts held hy Lender for Escrvw Iterns �xceed the amuunts pernutted to �Q held by RESPA, Lender shall accaunt to Barrflwer for the excess funds as required by RESPA.If the amvunts of funds he�d by Lender at any time ar� nat sufficient to pay the Escrow Items when due, Lender may notify the Borrawer and require Bvrrower t�make up the shortage as permitted h�RESPA. The Escrow Funds are pledged as additional secur�ty for all sums secured by this Securit��nstrument. If Borr�wer tenders to Lender the full paym�nt�f a11 such sums,Borrawer's a�count sha11 be�r�dited with the �alance remaining for all installment items �a}, �b}, and t�} and any m�rtgage insurance premium installment that L�nder has not become obligat�d to pa�to the Secretary,and L�nd�r shall promptly refund any excess funds to Borrower. Imrned�ate�y prior to a foreclosure sale vf the Property vr its acquisitian by MERS FHA Deed af Trust-NE '10�4M-N E��8113} Page 3 of 1�