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20180019' <br />Parcel ID Number: 400493256 which currently has the address of <br />3951 Norseman Ave (Street) <br />Grand Isl and (city), Nebraska68803 - 1578 (Zip Code) <br />( "Property Address "): <br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, <br />appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be <br />covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the <br />"Property." Borrower understands and agrees that MERS holds only legal title to the interest granted by Borrower <br />in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and <br />Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited <br />to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not <br />limited to, releasing and canceling this Security Instrument. <br />BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to <br />grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. <br />Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to <br />any encumbrances of record. <br />THIS SECURITY INSTRUMENT combines uniform covenants for national use and non - uniform <br />covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real <br />property. <br />Uniform Covenants. Borrower and Lender covenant and agree as follows: <br />1. Payment of Principal,Interest, Escrow Items, PrepaymentCharges, and Late Charges.Borrower <br />shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment <br />charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to <br />Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. <br />However, if any check or other instrument received by Lender as payment under the Note or this Security <br />Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under <br />the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: <br />(a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any <br />such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or <br />entity; or (d) Electronic Funds Transfer. <br />Payments are deemed received by Lender when received at the location designated in the Note or at such <br />other location as may be designated by Lender in accordance with the notice provisions in Section 15. <br />Lender may return any payment or partial payment if the payment or partial payments are insufficient to <br />bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan <br />current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial <br />payments in the future, but Lender is not obligated to apply such payments at the time such payments are <br />accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest <br />on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan <br />current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds <br />or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal <br />balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have <br />now or in the future against Lender shall relieve Borrower from making payments due under the Note and <br />this Security Instrument or performing the covenants and agreements secured by this Security Instrument. <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS <br />VMP O <br />Wolters Kluwer Financial Services <br />III IIIIII 1 IIIIII111111IIIII 111 in 1111 <br />803392892000 0233 426 0417 <br />Form 3028 1/01 <br />VMP6A(NE) (1302).00 <br />Page 4 of 17 <br />