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which currently has the address of 409 E 12th St, Wood River, Nebraska TOGE appurtena also be co as the "Pr' BORR has the ri encumbra all claims • 68883 ( "Property Address "): [Zip Code] HER WITH all the improvements now or hereafter erected on the property, and all easements, ces, and fixtures now or hereafter a part of the property. All replacements and additions shall ered by this Security Instrument. All of the foregoing is referred to in this Security Instrument perty." WER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and ht to grant and convey the Property and that the Property is unencumbered, except for ces of record. Borrower warrants and will defend generally the title to the Property against nd demands, subject to any encumbrances of record. THIS ECURITY INSTRUMENT combines uniform covenants for national use and non - uniform covenants ith limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Pa, ment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower s all pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayme t charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items purs ant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. curre cy. However, if any check or other instrument received by Lender as payment under the Note or this Sec rity Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments • ue under the Note and this Security Instrument be made in one or more of the following forms, as selectee by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's c eck, provided any such check is drawn upon an institution whose deposits are insured by a federal a ency, instrumentality, or entity; or (d) Electronic Funds Transfer. Paym =nts are deemed received by Lender when received at the location designated in the Note or at such ether location as may be designated by Lender in accordance with the notice provisions in Section 15 Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Lean current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment o partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender ne =d not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes pa ment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lend ° r shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or cl aim which Borrower might have now or in the future against Lender shall relieve Borrower from maki g payments due under the Note and this Security Instrument or performing the covenants and agree ents secured by this Security Instrument. 2. A • plication of Payments or Proceeds. Except as otherwise described in this Section 2, all payments : ccepted and applied by Lender shall be applied in the following order of priority: (a) interest due under he Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then t• reduce the principal balance of the Note. If Lend r receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient a ount to pay any late charge due, the payment may be applied to the delinquent payment and the late cha ge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borro er to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. o the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be ap • lied first to any prepayment charges and then as described in the Note. Any ap • lication of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note s all not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Fu ds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the ote, until the Note is paid in full, a sum (the "Funds ") to provide for payment of amounts due for: (a) tax =s and assessments and other items which can attain priority over this Security Instrument as a lien or en umbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiu s for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, fany, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination •r at any time during the term of the Loan, Lender may require that Community Association Dues, Fee , and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an scrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Sectio . Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation t• pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligat'�o to pr Initials: NEBRASKA- Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 Ellie Mae, Inc Page 3 of 10 NEUDEED 0415 NEUDEED (CLS) 06/22/2017 09:17 AM PST 201704337 LOAN #: 8736750 [Street] [City]