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201109169 Parcel ID Number: 400390892 which currently has the address of 714 N 110TH RD (Street) wood River (City), Nebraska 68883 (Zip Code) ("Property Address"): TOGETHER WITH all the 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 additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interest granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS(as nomiuee for Lender aud 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 wiil defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. 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. 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 prepayrnent charges and late charges due uuder the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and fhis Security Insb�ument shall be made in U.S. currency. IIowever, if any check or other instrument received by Lender as payment under the Note or this Security Instiument is rehzrned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Inst�ument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money arder; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institutiou 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 location as may be designated by Lender in accordalice with the notice provisions in Section 15. Lender may return any payment or partial payment if the paytnent or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring tlie Loan ctu•rent, without waiver of any rights hcreunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lendei•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, theu Lender need not pay iuterest on unapplied funds. Lender may hold such unapplied fitnds until Barrowcr 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 outstandin�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 n�aking paytnents due under the Note and this Security Tnstrument or performing the covenants and agreernents secured by this Security Instrument. 8801103443 8601103443 NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS form 3028 1/01 VMP(a) VMP6A(NE)(1105) Wolters Kluwer Financial Services Page 4 of 17 � �'�i