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2� 1 ��42 Par►cel ID Number: which�urrently has the address of 411 SUNSET DR �Street) D�NIPHAN (�ity�, Nebraska 68832-9792 {Zip Cade� ("Property Address"}: T�GETHER �VITH all the improvements now or hereaf�er ere�ted on the property, and ali easements, appurtenan�es, and fixtures now or hereafter a part of the property. Al� replac�ments and additions shail a�so be co�ered by this Se�uri�y Instrument. All of the foregaxng is referred to lI7 this Security Instrument as the "Property." Borrower understands and agrees�hat MERS holds only lega�title to the interest granted by Barrower in this Security Instcument, but, if necessary ta comply with law or custam, MERS [as nominee for Lender and Lender's successors and assigns} has the right: to e�ercise any or all of those interests, inctuding, but not limited to, �he right ta fare�tose and sell the Property; and ta take any act�an required of Lender including, but not lirnited to, releasing and�an�eling this 5�curity Instrument. B�RR�WER C�VENANTS that Barrvwer is lawfuliy seised of the esfiate hereby con�eyed and has the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Barrower warrants and will defend generaily the t�tie to �he Property against al� claims and demands, subject to � any encumbran�es of record. THIS SECURITY INSTRUMENT combines unif�rm �o�enants for national use and nan-uniform �o�enants with Iimited�ariatians by jurisdiction to constitute a uniform security instrument co�ering real property. Unifarm Co�enants. Borrower and Lender co�enant and agree as follows: 'I. Payment of Princip�a�, lnterest, Escraw Items, Pnepayment Charrges, ar�d Late Char�ges. Borrower shall pay when due the principal of, and interest on, the debt e�idenced by the Note and any prepayment charges and late �harges due under the Nate. Borrow�r shall also pay funds for Escrow Items pursuant ta Sec��on 3. Payments due under the Note and this 5ecurity Instrument shall b� made in U.S. currency. However, if any check or other instrument recei�ed by Lender as payment under the Note or this Security Instrument is returned tv Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one ar more of the following forms, as selected by Lender: (a}cash; (h} money order; (c}certified check, bank check, fireasurer's�heck or cashier's check, pro�ided any such check rs drawn upon an institution whose deposits are insured by a federal agen�y, instrumentality, or ent�ty; or(d}E�ecfironic Funds Transfer. Payments are deemed recei�ed by Lender when recei�ed at the la�ation designated in the Nate or at such other location as may be designated by Lender in accordance with the notice pravisions in Section 15. Lender may return any payment or par�ial paymen� if the payment or partial paymen�s are insufficient to bring the Loan current. Lender may accept any payment or partia� payment insuff cient to bring the Loan current, withvut wai�er of any rights hereunder or prejudice to its rights to refuse su�h payment or partial payments tn the future, but Lender is not ob�igated to app ly such payments at the tune such payments are accep�ed. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either app�y such funds or return them to Borrower. If not applied earltier, such funds wi�l be applied to �he vutstanding principal balance under �he Note immediately prior to fore�losure. Na affset ar �laim whi�h Borrower might have now ar in the future against Lender shall reiie�e Borrower from making payments due under the Nate and this 5ecurity Instrument or performing the�o�enants and agreemen�s secured by�his Security Instrumen�. OD112435405fi C�tibank 3.2.14T.12 V2 NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIF4RM iNSTRUMENT WITH MERS Fo�m 3D28 71D1 VMP� VMPfiA{NE][13�2).DU Watters Kluw er�nan�ial 5ervices Page 4 af 17