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��15��9�5 <br /> B�RR��V�R C�VENANTS that B�rrower is la�vfully s�ised of the�s�ate her��� �anveyed and has the r��h�to <br /> grant and c�n��y the Praperty and that the Propert� is unencum�ber�d, �xcept for encumbrances of re�ord. <br /> Borrow�r v�arrants and w��� defend gen�rally the�it1e to the Property against a�� c�a�ms and demands, subjec�ta <br /> any�ncumbranc�s of re�ard. <br /> THIS SECURITY INSTRUMENT�ornb�nes un�f�rm��W�nants for nat�ona�us� and nfln-uniform covenants v�r�th <br /> limited variatians by jurisd��tion ta cflnst��ute a un�fornc�s�curi�y instrum��at coverzng rea� proper�y. <br /> Un�farm �v�enants. Borrou�er and Lender ca�enan�and agree as follo�vs: <br /> �. Paynnent af Principal, Interest. Escrvw It��s, Pr�paym�nt �nar�es, and Late �harges. Barrower <br /> shat� pay when�u�the princ�pa� af, and interest on, the debt e�idenced by the Note and an�r prepayment <br /> charges and�at�charges du�under the No�e. Barrower shal� also pay funds far Escrow Item�s pursuant ta <br /> Sect�on 3. Payments due under�he Nate and�his S�cur�t� �nstrumen�sha�i be mad�in L�.S. curren�y. <br /> However, if any ch��k�r n�her instrument rec�ived by Lender as payment under the Note�r th�s�ecurity <br /> In�trum�nt is returned to Lender unpa�d, Lender may require�hat any or a�� subs�quent payments due under <br /> th� Note ar�d this 5ecurity Instrument b�made in�ne�r more�f the following f�r�ms, as sel�cted by Lender: <br /> �a}cash; �b}rnoney order; �c} certif�ed check, bank ch��k, treasurer's ch��k or�ashier'�check, pr�vid�d any <br /> such check�s dra�n upon an institution whase deposits are insured by a f�deral agenc�, instrumentality, or <br /> entity; or�d} Eiec�ron�c Funds Transfer. <br /> Payments are deemed received by Lender when r�ceived at the lo�at�orz desi�na�ed in the Not�or at such <br /> other Ioca��an as may�e designa�ed by L�end�r in accordance w��h�he n�t��e pra�isians in Se�tion �5. <br /> Lender�nay re�urn any payment or part�a�payment if the payment flr par��a�payments are insuffi�ien�t� <br /> bring the Loan curr�n�. Lender may acc�p�any payment ar partia� payment �n�uff�G�ent�a br�ng the Laan <br /> current, without wai�er�f any r�gh�s hereunder ar pre�udice to its rights to refuse such payn�en�ar par�ial <br /> payments �n the fu�ure, bu� Lender is no�ob�xgated�o appl� such paymen�s at�he time such payments are <br /> a�c�p�ed. �f each Per�adic Paymen� is app�ied as o���s schedu�ed due date, then Lender need not pay in�erest <br /> an unapplied funds. Lender may hol�su�h unapplied funds unt�� Borro�ver makes pa�ments t�bring�he <br /> Loan curr�nt. If Borrower d�es nnt do so wi�hin a reasonabie period af time, Lender shall either apply such <br /> fund�or r�turn them�� Barro�ver. �f no� app��ed earlier, such funds v�ill b�app�i�d�o �he outstandzng <br /> principa� balance under the Na�e immediately pr��r t� forec��sure. Na�ff�et�r c�aim wh�ch Borrower migh� <br /> have ntiw Qr in the future against Lender shall r�lzeWe Borrower from making pa�ments due under the Note <br /> and this S�cur��y �ns�rument ar p�rfarming the covenants and agreements secured by�his Securi�y <br /> Instrum�nt. <br /> 2. App��catian of Payments vr Pr�c�eds. ���ep� as otherwise d�scribed in�his S�ct�on 2, ali pa�rments <br /> accepted and appl�ed by Lender shail be applied in �he fol�ow�ng�rder af pr��ri�y: �a} inter�st due under the <br /> Note; ��}princ�pai due under the Nat�; �c} amounts due under Se�t�an 3. �uch paym�nts shaii be appiied to <br /> ea�h Periodic Paym�n� �n the nrder in wh�ch it became due. Any remainin�anaounts sha�� be app�ied fir�t ta <br /> �a�e�harg�s, s��ond ta an�r ather amounts due under�his Security Ins�rument, and then ta reduce the <br /> pr�n��pa�balan�e�f�he Not�. <br /> �f Lender r�c����s a payment from Bnrrawer for a delinquent Per�ad�C Payment which in�lu�es a�uffi�ient <br /> amoun�to pay an� la�e charge due, th�pa�ment may be appl�ed to the delinquent payment and the lat� <br /> charge. If more than one P�r��d�c Pa�men�is outs�anding, Lender may apply any paynzent rece�ved fr�m <br /> Borrovver�� �he r�paym�nt of the Per�od�c Payments if, and to the extent that, �ach pa�ment can be paid in <br /> full. To the exten�that any excess�xis�s af�er�he paym.ent �s appli�d to the ful� paym�n�of ane or more <br /> Periodic Payment�, �uch exGess may be app�ied�� any Iate charges due. Vfl�untary prepa�ments shall be <br /> appi�ed firs�ta any prepayn��n�charges and�h�n as described in�he N�te. <br /> N�6FiA5KA-Single Family-Fannie Mael�reddie Mac UNIFQRM INSTRUM�NT �orm 3028 11�1 <br /> VMP� VMPS{NEf�13�2� <br /> Wofters Kic�wer Financiat Ser�ices , Pag�4 af 17 <br />