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2oioo9o�s THIS SECURITY INSTRUM�NT combines uniform covenants for national use and non-uniform covenants with limited variatians by jurisdiction to constitute a uniform security instrument cavering real property. UNIFORM CQVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payrnents due under the Note and this Security Instrument shall be rnade in U.S. ennency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, I.ender 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 depasits 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 1S. Lender may return any payment or partial payment if the payrnent or partial payments aze insufficient to bring the Loan cunrent. X.,ender may accept any payment or partial payment insufficient to bring the Laan current, without waivcr of any rights hereunder or prejudice to its rights to refuse such payment ar partial payments in the future, but Lender is not obligated ta apply such payments at the time such payraents are accepted. If each Periodic Fayment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender rnay hold such unapplied funds until Borrawer makes payrnents 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. If not applied earlier, snch funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure, No affset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments nr Proceeds. Except as otherwise described in this Section 2, all payments accepced and applied by Lender shall be applied in the following order of priarity: (a) interest due under the Note; (b) principal due undcr the Nate; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in che order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instnunent, and tb.en to reduce the principal balance of the Note. If Lender receives a payrnent from Borrower for a delinquent Periodic Payment which includes a suffxcient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Fayment is outstanding, Lender rnay apply any payment received from Borrower to the repayment of the Periodic Payments if, and ta the extent that, each payment can be paid in full. To the extent that any excess exists aftear the payment is applied to the full payment of one or more Periodic Payrnents, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayrnent charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellax�.eons Proceeds to principal due under the Note sha11 not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Bonower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Secnrity Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) prerniums for any and all insurance required by L.ender under Section 5; and (d) Mortgage Insurance NE6RASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-BINE11oa�t1 Paaeaoft5 inn�ais: Form3028 1/09 :��'f � t: �1 t�+�:��a