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2� 1 ��7892 Parcel I D N u m ber.4�� which currently has the address of ��8 Mer�or7 al Dr �►St�eet� �rand Isl ar�d �C'ity�, Nebraska 68501-78�5 ��i�Cod�} ("Prv�er�A.ddre�s"}: T��'rETHER WITH a11 the improvements now or hereafter erected on the property,and a11 easemen�s, appurtenances,and fixtures now or hereaf�er a part of the property.All replacements a�d addition�sha11 a1�o be co�ered by this Security Instrument, A�l af the foregoing is referred to in this Security�nstrument as the "Property." B�rrovver understa.nds and agrees that MERS holds only legal tit�e i�o the in�erests granted by Borrower ir�this Securi�r instrument,but, if necessary to comply with 1aw or custom,MERS�as nominee for Lender and Lender's�uccessors and assigns}has the right: �o exercise any or a11�f those interests, including, but not limited to,the right to foreclose and se11 the Property;and to take any action required of Lender including,but not limited to,releasin.g and canc��ing�his Security Instrument. B�RRQ�VER C�VENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and con�re�the Property and that the Froperty is unencumbered, except f�r encumbrances of record. Borrower�uarran�s and wil�defend generally the title to the Property against all claims and demands, sub�ect to any encumbrances of record. THIS SECURITY INSTRUMENT combines un�form covenants for national use and non-uniform co�venants with limited variations by jurisdict�on ta constitute a uniform security instrument covering real property. UNlF�l�M ��VENANTS.�orrower and Lender covenant and agree as follows: 1. Payment of Princ�pal,lnterest, Escrow Items, and Late�harg�s.Borro�er shal�pay when due th�prin�ipal of,and interest an,the d�bt e�idenced b�the Note and late charges due under the No�e. Borrower sha11 also pay funds for Escrow It�rns pursuant to Section 3. Pa�ments due under the N�te and this Security Instrument shall be made in�.S,currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender xnay require that any or all subsequent payments due under the Nate and this Security Instrument be made in one or mare of the following forms,as selected by Lender: (a}cash;�b}money arder; (c) cert�fied cheek,bank check,treasurer's check or cashier's check,pravided any such check is drawn upon an institution�vhose deposits are insured by a federal agency, instrumenta�ity,or entity;or(d}Eiectronic Funds Transfer. Payments are deemed received by Lender when received at the Zocatian aesYgnated Yn th�I�ate or at such other location as may be designat�d by Lender in accordaace with the notice pro�isions in�ection 14. Lender may return any payment�r partial payment if the payment or partial payment�are insufficient to bring the Loan current. Lender may accept any payment or part�a�paymen�insufficient to bring�he Loan curr�nt,without waiver of any rights hereunder or prejudice to its righ�s to refuse such paymen.t or partial payments in the future,but Lender is not obligated to apply such payrnents at the time such payments are accepted. If each�'eriodic Payment is applied as of rts scheduxed due da�eA then Lender need n�t pay interest on unapplied funds. Lender may hold such unapplred funds until Borrower makes payrnetat to bring t�ae Loan current. If Borrower does not do so within a reasonable period af time, Lender shall ei�her app�y such funds or return them to Borrower. If not applied ear�ier, such funds wi11 be applied�o the outstanding principal balance under the Note immediately priar to foreclosure,No �ffset or c�a�m which Barrower might have now or in the future against Lender shall relie�e Borrower fram mal�ing payments due under the Note and this Security Instrument or performing the co�enants and . agreements secured by this Security Instrument, � FHA❑eed of Trust With MERS-NE 9/34/2014 6ankers 5ystemsTN+ VMP� VMP4N(NE){154fi}.44 Wolters Kluwer Financial Setvices Page 4 of 17 q�3361�94865 4233 443 0417