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<br />200404159
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<br />TO SECURE to Lender the repayment of the indebtedness evidenced by Borrower's note dated April 15,
<br />2004 and extensions and renewals thereof (herein "Note "), in the principal sum of U.S. $ 33,500.00, with interest
<br />thereon, providing for monthly installments of principal and interest, with the balance of the indebtedness, if not
<br />sooner paid, due and payable on April 21, 2029; the payment of all other sums, with interest thereon, advanced in
<br />accordance herewith to protect the security of this Deed of Trust; and the performance of the covenants and
<br />agreements of Borrower herein contained.
<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. Borrower
<br />covenants that Borrower warrants and will defend generally the title to the Property against all claims and demands,
<br />subject to encumbrances of record.
<br />UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
<br />1. Payment of Principal and Interest. Borrower shall promptly pay when due the principal and interest
<br />indebtedness evidenced by the Note and late charges as provided in the Note.
<br />2. Funds for Taxes and Insurance. Subject to applicable law or a written waiver by Lender, Borrower
<br />shall pay to Lender on the day monthly payments of principal and interest are payable under the Note, until the Note
<br />is paid in full, a sum (herein "Funds ") equal to one - twelfth of the yearly taxes and assessments (including
<br />condominium and planned unit development assessments, if any) which may attain priority over this Deed of Trust,
<br />and ground rents on the Property, if any, plus one - twelfth of yearly premium installments for hazard insurance, plus
<br />one - twelfth of yearly premium installments for mortgage insurance, if any, all as reasonably estimated initially and
<br />from time to time by Lender on the basis of assessments and bills and reasonable estimates thereof. Borrower shall
<br />not be obligated to make such payments of Funds to Lender to the extent that Borrower makes such payments to the
<br />holder of a prior mortgage or deed of trust if such holder is an institutional Lender.
<br />If Borrower pays Funds to Lender, the Funds shall be held in an institution the deposits or accounts of
<br />which are insured or guaranteed by a Federal or state agency (including Lender if Lender is such an institution).
<br />Lender shall apply the Funds to pay said taxes, assessments, insurance premiums and ground rents. Lender may not
<br />charge for so holding and applying the Funds, analyzing said account or verifying and compiling said assessments
<br />and bills, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a
<br />charge. Borrower and Lender may agree in writing at the time of execution of this Deed of Trust that interest on the
<br />Funds shall be paid to Borrower, and unless such agreement is made or applicable law requires such interest to be
<br />paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Lender shall give to
<br />Borrower, without charge, an annual accounting of the Funds showing credits and debits to the Funds and the
<br />purpose for which each debit to the Funds was made. The Funds are pledged as additional security for the sums
<br />secured by this Deed of Trust.
<br />If the amount of the Funds held by Lender, together with the future monthly installments of Funds payable
<br />prior to the due dates of taxes, assessments, insurance premiums and ground rents, shall exceed the amount required
<br />to pay said taxes, assessments, insurance premiums and ground rents as they fall due, such excess shall be, at
<br />Borrower's option, either promptly repaid to Borrower or credited to Borrower on monthly installments of Funds. If
<br />the amount of the Funds held by Lender shall not be sufficient to pay taxes, assessments, insurance premiums and
<br />ground rents as they fall due, Borrower shall pay to Lender any amount necessary to make up the deficiency in one
<br />or more payments as Lender may require.
<br />Upon payment in full of all sums secured by this Deed of Trust, Lender shall promptly refund to Borrower
<br />any Funds held by Lender. If under paragraph 17 hereof the Property is sold or the Property is otherwise acquired
<br />by Lender, Lender shall apply, no later than immediately prior to the sale of the Property or its acquisition by
<br />Lender, any Funds held by Lender at the time of application as a credit against the sums secured by this Deed of
<br />Trust. I
<br />Initials:
<br />EBRASKA — Second Mortgage — 1/80 — FNMA/FHLMC UNIFORM INSTRUMEN Form 3828
<br />Delphi Discovery ® SI2NE.0301 IM of 7
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