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200905121 <br />1877121322 <br />BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has <br />the right to grant and convey the Property and that the Property is unencumbered, except for <br />encumbrances of record. Borrower warrants and will defend generally the title to the Property against all <br />claims and demands, subject to 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, Prepayment Charges, and Late Charges. <br />Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any <br />prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow <br />Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in <br />U. S. currency. However, if any check or other instrument received by Lender as payment under the Note <br />or this Security Instrument. is returned to Lender unpaid, Lender may require that. any or all subsequent <br />payments due under the Note and this Security Instrument be made in one or more of the following <br />forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check <br />or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a <br />federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. <br />Payments are deemed received by Lender when received at the location designated in the Note or at <br />such other location as may be designated by Lender in accordance with the notice provisions in Section <br />15. Lender may return any payment or partial payment if the payment or partial payments are <br />insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to <br />bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such <br />payment or partial payments in the future, but Lender is not obligated to apply such payments at the time <br />such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then <br />Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower <br />makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, <br />Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will <br />be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No <br />offset or claim which Borrower might have now or in the future against bender shall relieve Borrower <br />from making payments due under the Note and this Security Instrument or performing the covenants and <br />agreements secured by this Security Instrument. <br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 3028 1/01 <br />First American Loan Production Services (page 4 of] 6) <br />First American Real Estate Solutions LLC <br />FALPS# QJ23 : 06/08 <br />