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<br />200608003
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<br />This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and
<br />all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced
<br />under paragraph 7 to protect the security of this Security I nstrument; and (c) the performance of Borrower's
<br />covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants
<br />and conveys to the Trustee, in trust, with power of sale, the following described property located
<br />in HAll. County, Nebraska:
<br />
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<br />.2l..\ \:::Jo....q.{. 4 gq \ V\. ~ \~; s+-er of \).e..,ed s ,,4('c.-e. \ t\a...\l~ ColAf\. 'H...t
<br />06 bra...'SlCa......
<br />Parcel 10 Number: PARCB. NO.: 400060558
<br />which has the address of
<br />GRAND ISLAND
<br />
<br />722 E13TH ST
<br />[City], Nebraska 68801
<br />
<br />[Street]
<br />[Zip Code] ("Property Address");
<br />
<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 "Property."
<br />Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this
<br />Security Instrument; but, if necessary to comply with law or custom, MERS, (as nominee for Lender and Lender's
<br />successors and assigns), has the right: to exercise any or all of those interests, including, but not limited to, the right
<br />to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing or
<br />canceling this Security Instrument.
<br />BORROWER COVENANTS that Borrower is lawfully seized 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 />warrants and will defend generally the title to the Property against all claims and demands, subject to any
<br />encumbrances of record.
<br />THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants
<br />with limited variations by jurisdiction to constitute a uniform security instrument covering real property.
<br />Borrower and Lender covenant and agree as follows:
<br />UNIFORM COVENANTS.
<br />1. Payment of Principal, Interest and Late Charge. Borrower shall pay when due the principal of, and
<br />interest on, the debt evidenced by the Note and late charges due under the Note.
<br />2. Monthly Payment of Taxes, Insurance and Other Charges. Borrower shall include in each monthly
<br />payment, together with the principal and interest as set forth in the Note and any late charges, a sum for (a) taxes and
<br />special assessments levied or to be levied against the Property, (b) leasehold payments or ground rents on the
<br />Property, and (c) premiums for insurance required under paragraph 4. In any year in which the Lender must pay a
<br />mortgage insurance premium to the Secretary of Housing and Urban Development ("Secretary"), or in any year in
<br />which such premium would have been required if Lender still held the Security Instrument, each monthly payment
<br />shall also include either: (i) a sum for the annual mortgage insurance premium to be paid by Lender to the Secretary,
<br />or (ii) a monthly charge instead of a mortgage insurance premium if this Security Instrument is held by the Secretary,
<br />in a reasonable amount to be determined by the Secretary. Except for the monthly charge by the Secretary, these
<br />items are called "Escrow Items" and the sums paid to Lender are called "Escrow Funds. "
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<br />VMP-4N(NE) (0407)
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