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2o1�o3s�� 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 imenYCUmbered, except for encumbrances of re�ord. Borrower warraats and will defend gene�ally the title to the Property against all claims and demands, subje,ct to any encumbrances of r�ord. THIS SECLTRITY INSTRUMIIVT combines uniform covenants for national use and non uniform covenants with limiteci variations by jurisdiction to constitute a uniform security instcvment covering re,al property. UNIFORM COVENANTS. Boaower and Lender covenant and agree as follows: 1. Payment of Prindpal, Interest, Escrow Items, Prepayment Charges, and Late Charg�. Bonower shall pay when due the principal o� and interest on, the debt evidenced by the Note and any prepayment charg� and late charges due unde� the Note. Bonower shall alsa pay fimds for Rscrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U. S. currency. However, if any che�k or other insh�ment received by Lender as payment under the Note or this Security Instru.ment is r�urneri to Lender unpaid, Lender may reguire that any or all subseiNent PaYments due under the Note and this Security Instrument be made in one or more of the following famos, as selected by Lender: (a) c�sh; (b) money order; (c) certified check, bank checl� treasurer' s cl�eck or cashier' s checl� provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrinmentality, or entity; or (d) Ele�trontc Funds Transfer. Payments are deemed re�eived by Lender when r�eived at the location designated in the Note or at such otheT loc�tion as may be designate� by Lender in accordance with the notice prov�ons in S�tion 15. Lender may rehun anY PaYment or Partial PaYment if the payment or partial payments aze insufficient to bring the Loan current. I,ender maY ��Y PaYm�t � P� PaY�t u�sufficient to bnng the Loan current, without waiver of any rights hereunder or prejudica to its rights to refuse such payment or paztial paymmts in the future, but Lender is not obligated to apply such payments at the time such payments are accept�. If each Periodic Payment is applie� as of its schedulefl due date, th� Le,nder need nat pay interest on unapplied fimds. Lender may hold such unapplied fuads w�til Barrower makes paymmt to bring the Loan cune�t. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds ar rehun them to Bonower. If not applied e�rlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to far�losure. No offset or claim which Boaower might have now or in the future against Lender shall relieve Borrower from making paymmts due under the Note �d this Security Inslrument ar performing the covenants and agreennents secured by this Security Tn�, �n,et,t. 2. Application of Pa�ments or Proceeda. Except as otherwise described in this Section 2, all payments accepted and appherl by Lender sha11 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 PaYme°ts shall be applied to each Periodic Payment in the order in which it berame due. Any remaining amounts sUalt be applied first to late charges, second to any other amounts due under this Security Instmm��rt, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late chazge due, the payment may be applied to the delinquent payment and the late chazge. If more than one Periodic Payment is outstanding, Lender may apply any payment receivefl from Borrower to the repayment of the Periodic Payments i� and to the extent that, each payment cmn be paid in full. To the extent that any excess exi�ts after the payment is applied to the full payment of one or more Periodic Payments, such axcess may be applied to any late cherges due. Voluntary prepayments shall be applied first to any prepayment charges and then as descnbed in the Note. Any application of payments, insurance proceeds, ar Miscellan�us Proceeds to principal due und�' the Note sha11 not extard or postpone the due date, or change the amount, of the Periodic Paymeats. 3. Fnnds 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 "Fuads") to provide for payment of amounts due for: (a) taxes and assessments and other items wluch can attain priority over this Se�urity �nstrument as a lien or encumbrance on the Properly; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance 2200132068 D V6AN� NEBRASKA - Single Family - Fannle MaeJFreddle Mac UNIFORM INSTRUMENT WITH ERS �-6A(NE)roeiol PaBe4of76 ir,w�: �Form3028 1/01 �