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201008858 LOT FIFTY-NINE (.59), LE HEICHTS FOiJRTH SLIBDIVISION,IN '1'fl�, GRAND ISLAND, HALL COUNTY,NEBRASKA Parcel iD Number: 400158582 which currently has the address of 4218 MANCHESTER ROAD �ScrcctJ GRAND ISLAND �City], Nebraska b8$03 [Zip Code� ("Property Address"): TQGETHF.,R WiTH all the improvements now or hereafter �rected on the property, and all easements, appurtenances, and �xtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property and that the Property is unencumbered, except for encumbranccs of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTTtUM�,NT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniforn� securiry instrument covering real property. UNIFORM COVENANTS. E3orrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow ltems, Prepayment Charges, and Late Charges. F3orrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment char�es and late charges du� under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Securiry Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. I�ender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. [f each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payments to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. lf not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or NEBRASKA-Single Family-F�nnie MNe/F'reddic Mac UNIFURM INSTRUMENT Form 3028 I/Ol 6(NE) (0811) Page 3 of I 5 Initial5: __