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m m z i oi° w 2 —1 N 3 O �o� W o a cm m 200305265 N c N n z N O N In r.11 Ispace Above This Line for Recording Dral N FHA C sNn Stare of Nebraska DEED OF TRUST 321- 2268976 'I 'I I IS DEED OF TRUST ( "Security Insnvnient ") Is made on April 29th 2003 The tin stor is Harold B Anderson and Jill A Anderson husband and wife ("Borrower"), the trustee is United Nebraska Bank ("Tmstec "), The beneficiary is United Nebraska Bank which is organized and existing under the laws of the State of Nebraska and whose address is 700 North Webb Road Grand Island NE 68803 ( "Lender'). Borrower owes Lender the principal sum of Ninety Four Thousand Two Hundred and 00/100 Dollars (U.S. $ 94,200.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ( "Note "), which provides for monthly payments with the NII debt, if not paid cadicr, due and payable on May 01, 2033 . This Security instrument secures to Lender. (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with interest, advanced under paragraph 6 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage grant and convey to Trustee with power of sale, the following described property located in Hell County: Lot Eight (8), Jamson Subdivision in the City of Grand Island, Hall County, Nebraska. which has the address of 414 East Delaware Grand Island [ovin] ICinl NE _ 68801 ( "Properly Address "); 'IOUETHER WITH all lire improvements now or hereafter erected on the Property, and all casements, rights, appurtenances, rents, ruyuhies, minerah oil and gas rights and profits, water rights and stock and all fixtures now or hereafter a pal of the Property. All replacements and additions shall also he covered by this Security Instrument. All ofthe foregoing is referred m in this Security Instrument as the "Property " - BORROWER COVENANTS that Borrower is lawfully seized Lithe estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the property is mencumbcred, except for enwmbrances of record. But rower warrants and will defend generally the tide to the Property againstall claims end demands, subject to any encumbrances of record. I HIS SECURITY INSTRUMENT combines uniform covenants for national use and nun - uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. Borrower and tender covenant and agree us follows: UNIYORM COVENANTS. 1. Payment of Principal, Interest and Late Charge. borrower shall pay when due lire principal of, and interest on, the debt evidenced by the Note and late charges due under the Nate. 2. Monthly payment of Taxes, Insurance, and Other Charges. Borrower shall include in each monthly Puylllenl, together' with the principal and interest as set forth iu the Nom and any late charges, a sum for (a) Taxes and special assessments levied or to be levied against the Property, (b) leasehold payments or ground rents on the Properly, mrd (c) premiums for insurance required under Paragraph 4- In any year in which the Lender must pay a Tom(glige insurance premium to the Secretary of I lousing and Urban Development ( "Secretary "), or in ary year in which such premium would have been required if lender still held the Security Instrument, each monthly payment shall also include either (i) a sum for the annual mortgage insurance premium to be paid by Lender to the Secretary, or (ii) a monthly charge instead of a mortgage insurance premium if this Security Instrument is held by the Secretary, in a reasonable amount to be determined by the Secretary. Except for the monthly charge by the Secretary, these items are called "Ever.,, Items' and the sums paid to Lender are called "FSCrow Funds:' I Ira I.Cv WWI) 169¢]9 Paenlof5 aolnfoomrlas)