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<br />(Q) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §26� 1 et ssq.) and its implementing regulation,
<br />Regulation X(24 C.P.R. Part 3500), as they might be amended from time to time, or an� additional or successor le�islation
<br />or regulation that governs the same subject matter. As usad in this Security Instrument, `RESPA" refers to all requirements
<br />and restrictions that are imposed in regard to a"federally related martgage loan" even if the Loan does not qualifiy as a
<br />"federally related mortgage loan" under RESPA.
<br />(R) "Successor in interest of Barrower" means any party that has taken title to the Property, whether or not that party has
<br />assumed Borrower's obligations under the Note and/or this Security Instrument.
<br />TRANSFER OF RIGHTS IN THE PROPERTY
<br />The beneficiary ofthis Security lnstrument is MERS (solely as nominee for Lender and l,ender's succassors and assigns) and
<br />the successors and assigns of MERS. This Security Instrument secures to Lender: (i) the repayment ofthe Loan, and all
<br />renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements
<br />under this Security Instrument and the Note. For this purpose, Borrower irrevocably �rants and conveys to Trustee, in
<br />trust, with power of sale, the following described property located in the
<br />of Hall , �
<br />[Name of Recording Jurisdiction]
<br />Lot One (1), Hofrichter Subdivision, Hall County, Nebraska.
<br />[Type af Recording lurisdiction]
<br />which currently has the address of 12450 W US Highway 30
<br />[Street]
<br />Wood River , Nebraska 68883 ("Property Address"):
<br />[City]
<br />[Zip Code]
<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 ofthe property. All replacements and additions shall also be covered by
<br />this Security Instrument. All af the foregoing is referred to in this Security Instrument as the "Property." Sorrower
<br />understands and agrees that MERS holds only legal title to the interests granted by Barrower in this SecuriTy Instrument, but,
<br />if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right:
<br />to exercise any or all afthose interests, including, but not limited to, the right to foreclose and sell the Property; and to take
<br />any action required of Lender including, but ttot limited to, releasing and canceling this Security instrument.
<br />BORROWER COVENANTS that Borrower is lawfully seised ofthe 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 encumbrances of
<br />record.
<br />THIS SECURITY INSTRU MENT combines uniform covanants for national use and nan-uniform covenants with
<br />limited variations by jurisdiction to constitute a uniform security instrument covering real property.
<br />UNIPORM COVENANTS. Borrower and Lender covenant and a�ree as follows:
<br />l. Payment of Principal, lntcrest, Escrow items, Prepayment Charges, and Late Charges. Borrower shall
<br />pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late char�;es
<br />due under the Note. Borrower shall alsa pay funds for Escrow Items pursuant to Section 3. Payments due under the Note
<br />and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender
<br />as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all
<br />subsequent payments due under the Note and this Security Instrument be made in one or more ofthe following forms, as
<br />selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check ar cashier's check,
<br />provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, ar
<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 ather
<br />location as may be designated by L,ender in accordance with the notice prpvisions in Section I 5. l,ender may return any
<br />payment or parhal payment ifthe payment or partial payments are insufficient to bring the Loan current. L,ender mayaccept
<br />NEBIiA,SKA--Single Pamily--Fannie Mae/l�"reddie Mac LINIFORM INSTI2UNIEN'f (MERS)
<br />12439.CV (I/08) 904314
<br />Form 3028 1/O1 (page 2 of 8�ages)
<br />Creative Thinking, Inc.
<br />(iOTO(0012f'GG3)
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