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�o�soso�7 BORROWER COVENANTS that Botrower is lawfully seised of the estate hereby conveye� and has the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against a11 claims and demands, subject to any encumbrances of record THIS SECiJRITY 1NSTRUMENT combines uniform covenants for national use and non �miform covenants with limitai variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Pt3n�cipal, Interest, Escrnw Items, Prepayment Charges, and Late Charga. Boirower shall pay when due the principal o� and interest on, the debt evidenced by the Note and any prepayment charges and late chazges due under the Note. Borrower shall also pay funds far Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instmm�ent shall be made in U.S. currency. However, if any che�k ar other instrument rer.eived by Lender as payment under the Note or this Security Instrument is returned to Lendsr 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 select� by Lender: (a) cash; (b} money order; (c) certified check, bank cheelc, treasurer' s che�k or cashier' s checl� provided any such chei;k is drawn upon an institution whose deposits are insure,d by a federal agency, instrumentality, or entity; or (� Electtonic Funds Transfer. Payments are deemed received by Lender when received at the la�tion designated in the Note or at such other location as may be de4ignate� by Lender in accordance with the notice provisions in Section 15. Lender may rehirn any payme,nt or partial payment if the payment or parlial payments are insuffici�t to bring the Loan current Lender maY accePt anY Payment or pa�rtial payment insufficient to bring the Lean current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or paztial payments in the firture, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Peri�ic Payment is applied as of its scheduled due date, thea� Lender ne,ed not gay interest on unapplie� funds. Lender may hold such unappliefl fimds imril Bonower makes payment to bring the Loan current. If Bonower does not do so within a reasonable period of time, Lender shall elther apply such funds or rehun them to Borrower. If not applied earlier, such fimds will be applied to the ou�tanding principal balance under the Note immediately prior to foreclosure. No affset or claim wluch Borrower might have now or in the firture against Lender sha11 relieve Borrower from making payments due under the Note and this Security Instr�nment ar performing the covenants and agreements se�ure� by this Security Instrument. 2. Applical3on of Pa�►ments or Procceds. Except as otherwisa descn'bad in this 5ection 2, all payments accepted and apphed by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) Principal due under the Note; (c) amoimts due under Section 3. Such P$3'�� sha11 be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to lata charges, se�ond to any other amo�mts due under this Security Insrivment, and then to reduce the grincipal balance of the Note. If I.ender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any lata charge due, the payment may be applied to tha delinquent paym�t and the late charge. If more than one Periodic Payment is outstanding, Lender maY ePPIY �Y FaY�t �� from Boirower to the repayment of the Periodic Payments i� and to the extent that, each payment c�n be paid in full. To the axtent that any excess exists after the payment is applied to the full payment of one ar more Periodic Payments, such exc�s may be applied to any late chazges due. Voluntary prepayments shall be applied first to any prepayment chazges and then as descnbed in the Note. Any applic�tion of payments, insurarnce proceeds, or Miscellaneaus Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Fands for Eacrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sam (the "Funds") to provide for payment of amowrta due for: (a) tax� and asse.ssments and other items which c�n attain priority over this Seeuriiy Instnnment as a lien ar encumbrance on the Properi} ,(b) leasehold payments or ground rents on the Property, if an} ,(c) premiums for any and all insuraace required by Lender under Section 5; and (� Mortgage Insivance 2200155211 D D6ANE NEBRII3KA - Singls Family - FanNe Ma�(Freddle Mac UNIFORM INSTRUMENT WRH MERS �-6A(NE�ros�ol Paee4o��s wet�: �i1,�� Form3028 1/01 �