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� Parcel ID Number: TAX ID�#400166445 4245 BRANDING IRON CT GRAND ISLAND ("Property Address"): which currenfly has the address of (Street) (City), Nebraska 68803-2919 (Zip Code) TOGETHER WITH all We improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and addiflons shall also be covered by this Security Inshvment. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal tifle to the interest granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. 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 encumbrances of record. Borrower warrants and will defend generally the tifle to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY IlVSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variaflons by jurisdiction to consfltute a uniform security instrument covering real property. Uniform Covenants. Bonower and Lender covenant and agree as follows: Payment of Princlpal, Inter�t, Escrow Items, Rrepayment Charge.�, 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. Payments due under We Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment nnder the Note or this Sec�rity Instrument is retutned 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 We following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or caslrier'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 locarion as may be designated by Lender in accordance with We noflce 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 accepted. 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 nnapplied funds until Bonower makes payment 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, 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 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. 001122675509 ClUbank 3.2.51.31 V6 IdEBRASKA-Single Family-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT WITH MERS Form 3026 1/07 }/�y�p � VMP6A(N� (1105).00 Wolters Kluwer Financia� Services Page 4 of 17