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20140734 and has an address of 1000 Technology Drive O'Fallon , MO 63368 -2240 . Borrower owes Lender the principal sum of One Hundred Thirty Five Thousand Six Hundred Thirteen Dollars (U.S. $ 135,613.00 ). 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 December 1, 2044 . 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 protect the security of this Security Instrument; and (c) 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 Hall County, Nebraska: The Assessor's Parcel Number (Property Tax ID#) for the Real Property is 400324628. SEE ATTACHED SCHEDULE A ON PAGE 11 Parcel ID Number. 400324628 which has the address of 4188 MANCHESTER RD [Street] GRAND ISLAND [City], Nebraska 68803 -1507 [Zip Code] ( "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." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument; but, if necessary to comply with law or custom, MERS, (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 Property 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. 001123990901 FHA Mortgage WITH MERS -NE VMP Wolters Kluwer Financial Services Citibank 3.2.86.13 V3 Revised 4/96 VMP4N(NE) (1302).00 Page 2 of 10