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20110329C THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. Uniform Covenants. Borrower and Lender covenant and agree as follows: 1. Payrr�ent 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 a.nd any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument sha11 be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Securiiy Iusirument is retumed to Lender uxipaid, 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, a.s selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or ca.sluer's check, provided azry such check is drawn upon an institufion wkose deposiLs are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the Iocation designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender 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 a,ccepted. If 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 ma.kes payments to bring the Loan current. If Bonower 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, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the fulure against Lender shatl relieve Borrower from malcing paymentis due under the Note and this Security Instrument orperforming the covena,nts and agreements secured by this Security Instrument. 2. Apptication of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts sha11 be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Bortower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late chatge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periadic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the fiull payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note sha11 not e�ctend or postpone the due date, or change the amount, of the Periodic Payment�. 3. Funds for Escrow Items. Bortower 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 wluch can attain priority over this Security Insfrument as a lien or encumbrattce on the Properly; (b) leasehold payments or ground rents on the Property, if auy; (c) premiums for a.ny and all insurance required by Lender under Section 5; and (d) Mortgage Insurance gremiums, if any, or any sums payable by Bortower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments sha11 be an Escrow Item. Borrower sha.11 promptly furnish to Lender all notices of announts to be paid under this Section. Borrower shall pay Lender the HCFG-OIXi59 NEBRASKASingle Femily-Fannie MaelFreddie Mac UNIFORM INSTRUMENT Form 302B 1/01 VMP� Woltera Kluwer Financial Servicea 20110A2S4.0.0.0.4002J20100902Y Pege 3 oi 13 9