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��15��5� Parcel ID Numher: 4�4157934 which currently has the address of 4Z 11 N�RI7I�RD �5'treet) GRAND ISLAND (Clty�, Ne�raska 68$�3-1428 �Zrp Code� �"Proper�y Address"}: T�GETHER WiTH a11 the impra�ements naw or hereafter erected on the praperty, and all easements, appurtenarices, and fixtures now or hereafter a part of the property. All replacements and additions shall also be ca�ered by this Security Instrument. All of the foregoing is referred to in this S�curity Instrument as �he "Property." B orrower understands and agrees that MERS ha�ds only legal title to the interest granted by B orrower in this Security Instrument, but, if necessary to comply with �a`u or custom, MERS �as nominee for Lender and Lender's succe�sors and assigns} has the right: to exerci�e any or a11 of those interests, including, but not limited to, the right to foreclose and s�11 the Property; and to tak� any action required of Lender including, but not limited to, releasing and canceling this 5ecurity�nstrum�nt. B�RR�WER C�VENANTS that Borrower is lawfu�ly seised of the estate hereby con�eyed and has the right ta grant and con�ey th� Property and that �h� Property is unencumbered, �xcept for encumbrarices �f record. B orrower warrants and will defend generally the title to the Property agains� all claims and demands, suhj ect t❑ any encumbrances of record. THIS SECURITY rNSTRUMENT combines uniform �o��nants for national use and non-unifarm cavenants wi�h Iimited variations by jurisdicti�n to constitute a uriifarm security instrum�nt covering real property. Uniform C�venants. Barrower and Lender co�enant and agree as follows: 1. Paymen# af Principal, �nterest, Es�r�w Items, Prepayment �harges, an� Late �harges. gorrQwer shall pay when due the principal of, and interest on, the debt e�idenced �y the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuault to 5ection 3. Payments due under �he Note and this Security Instrument sha11 b� made in U.S, currency. Howe�er, if any check or other ins�rument recei�ed by Lerider as payment under the Note ar this S�curi�y Instrument is returned to Lerider unpa�d, L�nder may require that any or al� subsequent paym�nts due under the Not� and this 5ecurity Instrument be made in one or m�re vf the fallowing forms, as selected by Lender: (a}cash; �b} money order; �c} certified check, bank check,treasurer's check or cashier's check,pro�ided any such check is drawn upon ari institu�ion whose depvsits are insured by a federal agen�y, instrumentality, or enti�y; or(d�Electronic Funds Transfer. Payments are deemed re�eived by Lender when recei�ed at the location designated in �he Note or at such other location as rnay be designated by Lender i� a�cordance with the notice pro�isions in Sectian 15. Lender may return any payment or partial payment if the payment or partial paymen�s are insufficient to bring the Loan current. Lender may accept any payment or partial payment irisufficient to bring the Loan curr�nt, withaut wai�er of any rights hereunder ar prejudice to its rights to r�fuse such payment or partial payments in the future, but Lend�r is nat obligated ta apply such payments at the time such payments are accepted. �f each Periodic Payment is applied as of its scheduled due date, th�n Lender need not pay interest on unappiied funds. Lender may hald such unapplied funds until Borrower makes payment to bring the Laan current. If Borrower does not do sa within a reasonahle period of time, L�nder shall either apply such funds or return them to Borrower. If not applied ear�i�r, such funds will be applied to the outstariding principa� ba�ance under the Note immediateiy prior to foreclosure. No offset or claim which Borrower might ha�e naw or in the future against Lender shall reiie�e Borrower from makin� payments due under the Note and this Security In�trument or performing the co�enants and agr�ements secured by this 5ecurity Instrum�nt. 0�1124Q8349� Citibar�k 3�.9�.18 V� NEBRASKA-S�ngle Family-Fannis Mael�redd�e Mac 11NIFORM INSTRIJMENT WITH MERS Form 3D2$i1D1 VMP(� VMP6A�I�E}�1342}.UQ Wolters Kluwer Financial Services Page 4 of 17