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RD. COMP ,2L
COMPARE
CADAS ~ AO '~
ADAMS COUNTY, NE
INST. N0._~~ ~ 5 2 s
Date/1.3-0~ Time~~'7
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TER OF DEEDS
[Space Above This Line For Recording'Data]
DEED OF TRUST
DEFINITIONS
Words used iu multiple sections of this docwnent are defined below and other words are defined iu Sectious,3, 11, 13, 18, 20
and 21. Certain rules regarding the usage of words used iu this document are also provided iu Section 16.
(A) "Security Ltstrument" means this docwueut, which is dated ........................11:P9:2A4?............................., together
with all Riders to this document.
(B) "Borrower" is 1HIRE;$A.C.RE~A,.A.$lNG!-R PRA$UN ................................................................................................
......................................................................................................................................................... .
Borrower is the trustor under this Security Iustrwneut.
(C) "Leader" is BANK ~F ~ONIP.hAN ...............................'.
Lender is a .GOR?OPATl4N ........................................................................................... organized and existing under
the laws of .TH.E S.7A:r,E P.F NE9PASKA ...............:.........................Leader's address is . P.9.9AX.2?4. RQNJI'HAN,.NE. sB.H42:427.4......
......................................................................................................................................................... ..
Lender is the beneficiary under this Security Iustnuneut.
(D) "Trustee" is BANK OF OONIPHAN, P 0 BOX 270, oONIPHAN,.NE. 6882,
............................................................................. .
(E) "Note", means the promissory note signed by Borrower and dated 7.1: D,9:244? .....................:...............................The
Note states that Borrower owes Lender SIX.T.`(f1YA7H4U;xANAT.4URH.UNP.flED.AN4.NO11P.4 .:.......................................................
...:.............................................. Dollars (U.S. $ 86A44~44........................) plus interest. Borrower has protuised [o
pay this debt iu regular Periodic Payments and to pay the debt iu full not later than ..................... D.1; 05:2A48.....................
(F) "Property" meatus the property that is described below under the heading "Transfer of Rights in the Property."
(G) "Loan" means the.debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note,
and all sutus due wider this Security Instrument, plus interest.
(H) "Riders" means all Riders to this Security Listnuueut that are executed by Borrower. The following Riders are to be
executed by Borrower [check box as applicable]:
^ Adjustable Kate Rider ^ Coudomiuiwn Rider ^ Second Home Rider
^ Balloon Rider ^ Planned Uuit Development Rider O Other(s) [specify] .......................
^ 1-4 Fuuily Rider ^ Biweekly Payment Rider
(n "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
administrative rules and orders (that have the effect of law) as well as all applicable final, uou-appealable judicial opinions.
(.I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are
imposed ou Borrower or the Property by a coudontiuium association, homeowners association or shnilar organization.
(K) "Electronic Funds Transfer" meatus any transfer of funds, other than a transaction originated by check, draft, or similar
paper iustruuteut, which is initiated through au electronic temtittal, telephonic iustrwnent, computer, or magnetic tape so as fo
order, instruct, or authorize a financial institution to debit or credit au account. Such teen includes, but is not lunited to,
point-of-sale transfers, automated teller. macliiue trausacfious, transfers initiated by telephone, wire transfers, and automated
clearinghouse transfers.
(L) "Escrow Items" means [(rose items that are described iu Section 3.
(M) "Miscellaneous Proceeds" means any compensation, settlement, award of dunages, or proceeds paid by any third party
(other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the
Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance iu lieu of condemnation; or (iv)
misrepresentations of, or omissions as to, the value and/or condition of the Property.
(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loau.
(O) "Periodic Payment" means the regularly scheduled atnouut due for (i) principal and interest under the Note, plus (ii) any
amounts under Section 3 of this Security Iustrwneut.
(P) "RESPA" nteaus the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation,
Regulation X (24 C.F.R. Part 3500), as they might be amended from time to tune, or any additional or successor legislation or
regulation that governs the sane subject matter. As used in this Security Iustrwneut, "RESPA" refers [o all requirements and
restrictions that are imposed iu regard to a "federally related uortgage loan" even if the Loan does not qualify as a "federally
related mortgage loan" under RESPA.
(Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has
asswned Borrower's obligations under the Note and/or this Security Iustrwneut.
NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
Bankers Systems, Inc., St. Cloud, MN Form MD-1-NE 9/17/2000'
ref: 1 /2001 (page I of 7 pages)
~~7
Form 3028 7/01
~~ ~II~ I~ I~ ~~
~'! 1:, S ::'tfi ~ ~ '~~~ '~~
~.
,c.
200'75268
TRANSFEK OF RIGHTS IN THE PROPERTY
This Security Iustrwneut secures to Lender; (i) the repayment of the Loan, and all renewals, extensions and modifications of
the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For
this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described
property located iu the ...................................................R6GIST.EP.OF.46EAS......:.............................................. of
' ~ ~ IType of Recording Jurisdictionl
A49MS.GD.UNrY ............................................................................:
INeme of Recording Jurisdictionl
LOT 6, WALLACE ADDITION TO THE CITY OF HASTINGS, ADAMS COUNTY, NEBRASKA
which currently has the address of ................................................ 409 WEST F ST..................................................
" IStreetl
............................HASTINGS............................., Nebraska ...................6.9801..................... („Property Address"):
ICity1 ~ [Zip Code[ "
TOGETHER WITH all the nuprovements now or hereafter erected ou 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
Iustrwneut. All of the foregoing is referred to iu this Security Iustrwneut as the "Property. "
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 uueucwnbered, except for eucuntbrances of record. Borrower warrants and
will defend generally the title to the Property against all clahus and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT ~combiues uniform covenants for uatioval use and uou-uniform covenants with limited
variations by jurisdiction to coitsti[ute a uuifonu security iustrwneut coveting 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 ou, the debt evidenced by the Note and any prepayment charges and late charges due
under the Note. Borrower shall also pay funds for Escrow Iteuts pursuant [o Section 3. Payments due under the Note and this
Security Iustrwneut shall be made in U.S. currency. However, if any check or outer instrument received by Lender as payment
under' the Note or this Security Instrument is returned to Lender unpaid, Lender way require that any or all subsequent
payments due under the Note and this Security Iustrwneut be made iu one or more of the following fonus, as selected by
Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such
check is drawn upon an institution whose deposits ate insured by a federal agency, iustrmueutality, or entity; or (d) Electronic
Funds Transfer.
Payments are deemed received by Lender when received at We location designated iu the No[e or a[ such other location
as may be• designated by Leudet iu accordance with the notice provisions in Section 15. Lender may return any payment or
partial payment if the payment of partial payments are insufficient to bring the Loau current. Lender may accept any payment
or partial payment insufficient to bring the Loau current, without waiver of any rights hereunder or prejudice [o its rights [o
refuse such payment or partial payments iit [he future, but Leudet is not obligated to apply such payments at the Bute such
payments ,are accepted. If each Periodic Payment is applied as of its scheduled due date, [hen Lender need uof pay interest on
uuapplied funds. Lender Wray hold such uuapplied funds until Borrower makes payuteut to bring the Loan current. If Borrower
does not do so within a reasonable period of [rote, Leader shall either apply such foods or return them to Borrower. If not
applied earlier, such funds will be applied to the outstanding principal balance under the Note iuuuediately prior to foreclosure.
No offset or claim which Borrower might -have now or iii the future against Lender shall relieve Borrower from making
payments due under dte Note and this Security Iustrwneut or perfonuiug the covenants and agreements secured by this Security
Iustrwneut.
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, ali 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) atuouuts due under Section 3. Such payments shall be applied to each Periodic Payment iu the order in which it
becuue due. Any remaining amounts shall be applied first to late charges, second to any other azuoun[s due under this Security
Iustrwneut, and thou to reduce the principal balance of the Note.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient aznount to
pay any late charge due; the payment may be applied [o the delinquent payment and the late charge. If more than one Periodic
Payment is outstanding, Lcuder may apply any payment received from Borrower to the repayment of the Periodic Payments if,
and [o the extent that, each payment eau be paid iu full. To the extent that any excess exists after the ,paynieut is applied to the
full payutent of ouc 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 iu the Note.
Auy application of paynteuts, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not
extend or postpone the due date, or change the amount, of the Periodic Payments.
3. Funds for Escrow Items. Borrower shall pay to Lender ou the day Periodic Payments are due under the Note, until
the Note is paid in full, a swn (the "Funds") to provide for payment of aznouuts due for: (a) taxes and assessments and other
items which eau attain priority over this Security Iustrwneut as a lien or eucwnbrance ou the Property; (b) leasehold payments
or ground teats ou the Property, if any; (c) premiums for any and all insurance required by Leader under Section 5; and (d)
Mortgage Insurance prcutiwus, if any, or any sums payable by Borrower to Leader iu lieu of the payment of Mortgage
Insurance premiwus in accordance with tltc provisions of Section 10. These items are called "Escrow Iteuts." At origination or
at any thuc during the term of the Loan, Leader may..require t11at.Coumtuui[y, Association Dues, Fecs, and Assessments, if any,
be escrowed by Borrower, and such dues, fces:and assessmeuts:'shall" be au Escrow Item. Borrower shall promptly furnish to
Lender all notices of amounts to be paid under, this Section,.,, , Borrower,. sl>aq• pay Lender the Funds for Escrow Items unless
Lender-waives Borrower's obligation to pay:.the Funds for any or all Escrow Iteuts. Lender may waive Borrower's obligation
to Qay to Lender, Funds for any or all Escrow Iteuts at any time,," Auy" such" waiver may Duly be in writing. In the event of such
waiver, Borrower"shall .pay directly, when and where payable, tlie'ainounts due for any Escrow rIfeins:for';which,;payii>,ent of
Funds-has been°waived by"'Lcuder and, if Lender.requires,,~,sltall,furnislt_,to,Leuder receipts eviilenciug such payment within
such time period',as Lender..ntay..require. Borrower's obligation to iiiake such payments and, to. provide; receipts.. shall' fotiall,
purposes be 'deeuted to be a covenant and apreemeut contained in this Security Iustrwneut; as the phrase •"covenant and'
a$4eentent'(=.is„used in;Sectiou'9~ If Borrower is obligated to pay Escrow Iteuts directly, pursuaut.•to•a-waiver aud,_Bnrrov[ot.
.. >,
NEBRASKA Sln le Famll ~ ~ Form 3028 t/01~
g y-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
'~ '" Bankers S atame Inc., St Cloutl'MN~ Farm MD 1~-NE 0/17/2000 "f ~pdg ) ~ _µp ~ ~ •1
v (page 7'o T es
..
il'.ii~.)i, ..... .. .~
,,,,
200'75268
fails to pay the unotiut due for an Escrow Item, Lender may exercise its rights uuder Section 9 and pay such atuouut and
Borrower shall [Iron be obligated under Section 9 to repay to Louder any such aznouitt. Louder vtay revoke the waiver as to any
or all Escrow Items at any time by a notice given is accordance with Secvou 15 and, upon such revocation, Borrower shall pay
to Lender all Funds, and is such amounts, that are [lieu required uuder this Section 3.
Leader may, at any thee, collect and hold Funds iu au amount (a) sufficient to penult Louder to apply the Funds at the
time specified' under RESPA, aad (b) not to exceed the maxhnutn uuouut a leader eau require under RESPA. Louder shall
esthnate the atnouut of Pmtds due ou the basis of current data and reasonable estiutates of expenditures of future Escrow Rents
or otherwise iu accordance with Applicable Law.
The Funds shall be held iu au institution whose deposits are insured by a federal agency, iustruutentality, or entity
(including Leader, if Louder is an iustitutiou whose deposits are so insured) or iu any Federal Home Loau Bank. Louder shall
apply the Funds to pay the Escrow Iteuts no later thou the thue specified uuder 'RESPA. Louder shall not charge Borrower for
holding and applying the Funds, annually analyzing [he escrow account, or verifying the Escrow Items, unless Louder pays
Borrower interest ou the Funds and Applicable Law permits Lender [o stake such a charge. Unless au agreement is made w
writing or Applicable Law requires interest to be paid on the Funds, Louder shall not be required to pay Borrower any interest
or earnings on [he Funds. Borrower and Lender eau agree iu writing, however, that interest shall be paid ou the Funds. Lender
shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA.
If there is a sur)tlus of Funds held. iu escrow, as defined under RESPA, Leader shall account to Borrower for the excess
foods iu accordance with RESPA. If [here is a shortage of Funds held iu escrow, as defined uuder RESPA, Lender shall notify
Borrower as required by RESPA, and Borrower shall pay to Louder the unouut necessary to make up the shortage iu
accordance with RESPA, but in uo more than 12 monthly payments. If there is a deficiency of Funds held iu escrow, as
defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the atnouut
accessary. to make up the deficiency iu accordance with RESPA, but iu ao more thou 12 monthly payments.
Upon payment in full of all sums secured by this Security Iustrmneut, Louder shall promptly refund' to Borrower any
Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and uvpositious attributable to the
Property which eau attain priority over this Security Iustrumeut, leasehold paynteuts of ground rents ou the Property, if any,
and Couuuuuity Association Dues, Fees, and Assessweuts, if any. To the extent that these items are Escrow Items, Borrower
shall pay them iu the manner provided iu Section 3.
Borrower shall promptly discharge any lieu which has priority over this Security Instrument utiless Borrower: (a) agrees
iu writing to the payment of [he obligation secured by the lieu iu a manner acceptable to Lender, but otily so long as Borrower
is perforuiing such agreement; (b) contests Ute lieu in good faith by, or defends against enforcement of the lien in, legal
proceedings which in Lender's opinion operate to prevent the enforcenteut of the lieu while those proceedings are peudittg, but
only .until such proceedings are concluded; or (c) secures front the holder of the lieu an agreement satisfactory to Lender
subordinating the lien to this Security Ittstrmuent. If Louder detenniues that any part of the Property is subject to a lieu which
eau .attain priority over this Security Iastrutueut, Louder may. give Borrower a notice identifying the lieu. Within 10 days of
the date ou which that notice is given, Borrower shall satisfy the lieu or take one or more of the actions set forth above iu this
Section 4. .
Leader may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by
Lender in cmmectioa with [Iris Loan.
5. Property Insurance. Borrower shall keep 41te intprovemeats now existing or hereafter erected on the Property
insured against loss by fire, ,hazards included within the tent "extended coverage," and any other hazards including, but not
limited to, earthquakes and floods, for which Leader requires iusurauce. This iusurauce shall be main[aiued iu the amounts
(including deductible levels) and for the periods that Louder requires. What Leuder•requires pursuant to the preceding
sentences eau change during the tens of the Loau. The insurance carrier providing the iusurauce shall be chosen by Borrower
subject to Leudcr's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Leader may
requae Borrower to pay, in connection with this Loau, either. (a) a one-[tote charge for flood zone detenviaatiou, certification
and tracking services; or (b) a one-time charge for flood zone detenninatiou and certification services and subsequent charges
each time remappings or suuilar changes occur which reasonably Wright affect such detenviuatiou or certification. Borrower
shall also be responsible for the payment of any fees unposed by the Federal Entergeucy Management Agency iu couuectiou
with the review of any flood zone detenninatiou resulting front au objection by Borrower.
If Borrower fails to tttaiutaiu any of the coverages described above, Leader may obtain iusurauce coverage, at Lender's
option and Borrower's expense. Louder is uuder uo obligation to purchase any particular type or amount of coverage.
Therefore, such coverage shall cover Leader, but might or might not protect Borrower, Borrower's equity in the Property, or
the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was
previously iu effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the
cost of insurance that Borrower could have obtained. Any amounts disbursed by Leader under this Section 5 shall become
additional debt of Borrower secured by this Security Instrinucut. These amounts shall bear interest at the Note rate from the
date of disbursement aud'shall be payable, with such interest, upon notice from Louder to Borrower requesting payment.
All iusurauce policies. required by Lender and renewals of such policies shall be subject to Lender's right to disapprove
such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as au additional loss payee.
Louder shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to
Lender all receipts of paid prentiwus and renewal notices. If Borrower obtains any foss of iusurauce coverage, not otherwise
required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and
.shall haute Lcuder as mortgagee and/or as au additional loss payee.
In the event. of loss, Borrower shall give prompt notice to the iusurauce carrier and Lender. Lender may make proof of
loss if not made promptly by Borrower. Utiless Lender and Borrower otherwise agree in writing, any iusurauce proceeds,
whether or not the underlying insurance was required by Leader, shall be applied to restoration or repair of the Property, if the
restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period,
Lender shall have the right [o hold such iusurauce proceeds until Lender has had au opportunity to 'inspect such Property to
ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly.
Lender may disburse proceeds for the repairs and restoration in a single payment or iu a series of progress payments as the
work is completed. Utiless an agreement is made in writing or Applicable, Law requires interest to be paid on such iusurauce
proceeds, Lender shall not be required to pay Borrower any interest or earnings ou such proceeds. Fees for public adjusters, or
other third parties, retained by Borrower shall not be paid out of the iusurauce proceeds and shall be t(te sole obligation of
Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the iusurauce
proceeds shall be applied to the sums secured by this Security Iustrmueut, whether or not then due, with the excess, if any,
paid to Borrower. Such iusurauce proceeds shall be applied in the order provided for iu Section 2.
If Borrower abandons [he Property, Lender may file, negotiate and settle any available iusurauce claivt and related
matters. If Borrower does not respond within 30 days to a notice from Lender that the iusurauce carrier has offered to settle a
claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event,
or if Leader acquires the Property uuder Section 22 or otherwise, Borrower hereby assigns to Louder (a) Borrower's rights to
any insurance proceeds is au amount not to exceed the amounts unpaid uuder the Note or this Security Iustrmneut, and (b) any
other of Borrower's rights (other than the right to any refund of uaearaed premiums paid by Borrower) uuder all insurance
~tolicies covering the Property, insofar as such rights are applicable to the coverage of the Property. Louder may use the
insurance proceeds either to repair.or restore the Property or to pay autouuts unpaid uuder the Note or this Security Iustrumeut,
whether or not then due.
6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days
after the execution of this Security Ltstrument and shall coutiuue to occupy the Property as Borrower's principal residence for
at least one year after the date of occupancy, utiless Lender otherwise agrees iu writing, which consent shall not be
unreasonably withheld, or unless extenuating circtunstances exist which are beyond Borrower's control.
NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1107
Bankare Systems, Inc., St. Cloud, MN Form MD-1-NE 8/17/2000 (page 3 of 7 pages)
200'75268
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, daznage or
hmpair the Property, allow the Property to deteriorate orconuuit waste ou the Property. Whether or not Borrower is residing in
the Property, Borrower shall maintain the Property iu order to prevent the Property from-deteriorating or decreasing iu value
due to its condition. Unless it is detenniued pursuant to Section 5 that repair or restoration is not economically feasible,
Borrower shall promptly repair the Property if daznaged to avoid further deterioration or .damage. If insurance or
coudeuutatiou proceeds are paid iu connection with daznage to, or the taking of, the Property, Borrower shall be responsible for
repairing or restoring the Property only if Louder has released proceeds for such purposes. Lender may disburse Qroceeds for
the repairs and restoration iu a single payment or in a series of progress paynteuts as the work is completed. 'If the insurance or
condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation
for the completion of such repair or restoration.
Louder or its agent may stake reasonable entries upon and inspections of [he .Property. If it has reasonable cause,
Lender may inspect the interior of the nnprovemeuts ou the Property. Louder shall give Borrower notice at the tune of oi• prior
to such au interior inspection specifying such reasonable cause.
8. Borrower's Loan Application. Borrower shall be iu default if, during the Loau application process, Borrower or
any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave nta[erially false,
utisleadiug, or inaccurate ittfonuation or stateuteuts to Lender (or failed to provide Louder with material information) iu
connection with the Loau:' Material represeutatious include, but are not luuited to, represeutatious concerning Borrower's
occupancy of the Property as Borrower's principal residence.
9. Protectiat of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails
to perfomt the covenants and agreements contained iu this Security Instrument, (b) there is a legal proceeding that Wright
signtficautly affect Lender's interest iu the Property and/or rights under this Security Instrument (such as a proceeding iu
bankruptcy, probate, for condemnation or forfeiture, for euforcenteut of a lien which Wray attain priority. over this Security
Iustrmuent or [o enforce laws or regulations), or (c) Borrower has abandoned the Property, thou Leader Wray do and pay for
whatever is reasonable or appropriate to protect Lender's interest iu the Property and rights under this Security Instrutneu[,
including protecting and/or assessing the value of the Property, and securing audlor repairing the Property. Leader's actions
eau include, but are not limited to: (a) paying any sums secured by a lieu which has priority over this Security htstrumeut; (b)
appearing iu court; and (c) paying reasonable attorneys' fees to protect its interest iu the Property and/or rights under this
Security Iustnuneut, including its secured position iu a bankruptcy proceeding. Securing the Pro~ter[y includes, but is not
limited to, .entering tfle Property to make repairs, change locks, replace or board up doors and windows, drain water from
pipes, eliminate budding or other code violations or dangerous conditions, and have utilities turned ou or off. Although Leader
may take actio^ under this Section 9, Lender does not have [o do so and is not under any duty or obligation to do so. It is
agreed that Louder incurs no liability for not taking any or all actions authorized under this Section 9.
Auy azuounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this
Security lustrutneut. These amounts shall bear interest at rue Note rate fran the date of disbursement and shall be payable, with
such interest, upon notice front Louder to Borrower requesting payment.
If this Security Instrtuneut is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower
acquires fee title to the Property, the leasehold and the fee title shall not merge unless Louder agrees to the merger iu writing.
10. Mortgage Ltsurance. If Lender required Mortgage Insurance. as a condition of making the Loan, Borrower shall
pay the premiums required to maintain the Mortgage Iusurauce iu effect. If,.forany reason, the Mortgage Insurance coverage
required by Lender.ccases [o be available from the mortgage insurer that previously provided such insurance and Borrower was
required to make separately designated payments toward the premiuus for Mortgage Iusurauce, Borrower shall pay the
premitnus required to obtain coverage substantially equivalent to rue Mortgage Iusurauce previously in effect, at a cost
substantially equivalent to the cost to Borrower 'of the Mortgage Iusurauce previously iu effect, from au alternate mortgage
insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to
pay [o Louder the aznount of the separately designated payments [ha[ were due wlteu the Iusurauce coverage ceased to be iu
effect. Lender will accept, use and retain these payments as anon-refundable loss reserve iu lieu of 'Mortgage Insurance. Such
loss reserve shall be non-refundable, uotwithstandiug the fact that the Loau is ultimately paid iu full, and Louder shall not be
required to pay Borrower any interest or earnings mt such loss reserve. Louder can no longer require loss reserve payments. if
Mortgage Insurance coverage (in the azuoun[ and for the period that Leader requires) provided by an insurer selected by Louder
again becomes available, is obtained, and Lender requires separately designated payments toward the premiuus for Mortgage
Iusurauce. If Louder required Mortgage Insurance as a condition of making the Loau and Borrower was required to make
separately designated payments toward the premiusms for Mortgage lusurance, Borrower shall pay the premiums required to
maintain Mortgage Insurance in effect, or to provide anon-refundable loss reserve, unfit Lender's requirement for Mortgage
Iusurauce cods in accordance with any written agreement between Borrower and Lender providing for such temtittation or until
terntiltatiou is required by Applicable Law. Nothing in [his Section 10 affects Borrower's obligation to pay iuteres[ a[ the rate
provided iu flte Note.
Mortgage Iusurauce reitttburses Lender (or any entity that purchases the Note) for certain losses it may incur if
Borrower dots not repay the Loan as agreed. Borrower is not a party [o the Mortgage Iusurauce.
Mortgage insurers evaluate their total risk ou all such insurance iu force from Bute to Bute, and may eater into
agreements with outer parties that share or modify their risk, or reduce losses. These agrecmeuts are ou temts and conditions
that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require
the mortgage insurer to make payments using any source of funds [hat the mortgage insurer may have available (which Wray
include foods obtained from Mortgage Insurance premiums).
As a result.of these agreeuteuts, Lender, any purchaser of the Note, another insurer, any coinsurer, any other entity, or
any affiliate of any of the foregoing, Wray receive (directly or indirectly) azuouuts [ha[ derive from (or might be characterized
as) a portion of Borrower's payments for Mortgage Iusurauce, iu exchange for sharing or modifying the mortgage insurer's
risk, or reducing losses. If such agreement provides that an affiliate of Louder takes a share of insurer's risk to exchange for a
share of the premiums paid to the insurer, Ute arrangement is often termed "captive reinsurance. " Further.
(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or
arty other terms of the Loau. Such agrecmeuts will not increase the amount Borrower will owe for Mortgage Insurance,
attd they will not entitle Borrower to any refund.
(b) Any such agreements will not affect the rights Borrower Itas--if any--with respect to the Mortgage Insurance
under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain
disclosures, to request attd obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated
automatically, and/or to receive a refund of arty Mortgage Insurance premiums that were unearned at the time of such
cancellation or termination.
11. Assignment of Miscellaneous -Proceeds; Forfeitut•e. All Miscellaneous Proceeds are hereby assigned to aitd shall
be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the
restoration of repair is economically feasible and Lender's security is not lessened. During such repair and restoration period,
Louder shall have the right to ]told such Miscellaneous Proceeds until Lender has had au opportunity to inspect such Property
to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly.
Lender may pay for the repairs and restoration iu a single disbursement or in a series of progress payments as [he work is
completed. Unless an agreement is made iu writing or Applicable Law requires iuteres[ to be paid ou such Miscellaneous
Proceeds, Leader shall not be required to pay Borrower any interest or earnings ou such Miscellaneous Proceeds. If the
restoration or repair is not ecatontically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be
applied to the sums secured by this Security Ins[rutneut, whether of not Iheu due, with the excess, if any, paid to Borrower.
Suclt Miscellaucous Proceeds shall be applied in the order provided for iu Section 2.
In the event of a total taking, destruction, or loss in value of the Property, the Miscellaucous Proceeds shall be applied
to the sums secured by this Security Instrument, whether or not thou due, with the excess, if any, paid to Borrower.
NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT ~ ry/ Form 3028 1101
Bankers Syatema, Inc.,.St. Cloud, MN Form MD-1-NE 8/17/2000 (page 4of 7pnges) 1 I .
20075268
In the event of a partial taking, destruction, or loss iu value of the Property iu which the fair market value of the
Property inmtediately before the partial taking, destruction, or loss iu value is equal to or greater Utau the amount of the sums
secured by this Security Iustrwueut immnediately before the partial taking, destruction, or loss iu value, utiless Borrower and
Lender oUterwise agree iu writing, the scans secured by this Security Iustrwueut shall be reduced by the azuouut of the
Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the swiss secured hmnediately before the
partial taking, destruction, or loss iu value divided by (b) the fair market value of the Property hmuediately before the partial
taking, destruction, or.loss in value. Auy balance shall be paid to Borrower.
Iu the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of.the
Property immediately before the partial taking, destruction, or loss iu value is less than the amtouut of the swiss secured
ivuuediately before the partial taking, destruction, or loss iu value, utiless Borrower and Lender otherwise agree in writing, the
Miscellaneous Proceeds shall be applied to the soots secured by this Security Iustruneut whether or not the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined
iu the next sentence) offers to make an award to settle a claim for dazuages, Borrower fails to respond to Lender within 30 days
after Ute date the notice is given, Lender is authorized to collect and apply the -Miscellaneous Proceeds either to restoration or
repair of the Property or to the swus secured by this Security Instrwnent, whether or-not then due. "Opposing Party" means
the third parry ffiat owes Borrower Miscellaneous Proceeds or the party againsC whom Borrower has a right of action iu regard
to Miscellaneous Proceeds.
Borrower shall be iu default if any action or proceeding, whether civil or crhuiual; is begun that, iu Lender's judgment,
could result iu forfeiture of the Property or other material hitpainncut of Lender's interest in the Property or rights under this
Security Iustrwneut. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided iu Section 19, by
causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property
or other material iutpairncut of Lender's interest iu the Property or rights under this Securiry Iustrumeut. The proceeds of any
award or claim for datuages that are attributable to the iuipainneut of Lender's interest iu the Property are hereby assigned and
shall be paid to Leader. ,
All Miscellattcous Ptocceds.that are not applied to restoration or repair of the Property shall be applied in the oidet
provided for iu Section 2.
12. Borrower Not Released; Forbearance By Leader Not a Waiver. Extension of the time for payment or
modification of azuortizatiou of the swus secured by this Securiry Ltstrwueut granted by Lender to Borroweror any Successor
in Interest of Borrower shall not operate to release the liability of Borrower or any Successors iu Interest of Borrower. Lender
shall not be required to couuucuce proceedings against any Successor in Interest of Borrower. or to refuse to extend time for
payment or otherwise modify amortization of the swus secured by this Security Iustrumeut by reason of any demand made by
the original Borrower or any Successors iu Interest of Borrower. Auy forbearance by Lender iu exercising any right or remedy
including, without lunitatiou, Lender's acceptance of payments from third. persons, entities or Successors iu Interest of
Borrower or in atuounts less than the atuouut then due, shall not be a waiver of or preclude the exercise of any right or remedy.
13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that
Borrower's. obligations and liability shall be joint and several. However, any Borrower who co-signs this Securiry Iustrumeut
but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrwnent Duly to mortgage, gran[ and convey the
co-signer's interest iu the Property under the teniis of this Security Iustrumeut; (b) is not personally obligated to pay the swus
secured by this Security Iustrwueut; and (c). agrees that Leader and any other Borrower eau agree to extend, modify, forbear or
make any accouuuodatious with regard to the ternts of this Security Iustnuneut or the Note without the co-signer's consent.
Subject to the provisions of Section 18, any Successor iu Ltterest of Borrower who asswues Borrower's obligations
wider this Security htstrwuent in writing, and is approved by Leader, shall obtain all of Borrower's rights and benefits under
this Security Ltstrwnent. Borrower shall not be released from Borrower's obligations and liability under this Security
Instrwnent utiless Lender agrees to such release in writing. The covenants and agreements of this Security Iustrumeut shall bind
(except as provided in Section 20) and benefit the successors and assigns of.Leuder.
14. Loatt Charges. Leader Wray charge Borrower fees for services performed iu connection with Borrower's default,
for the purpose of protecting Lender's interest iu the Property and rights under this Security Iustrwneut, including, but not
limited to, attorneys' fees, property inspection and valuation fees. Iu regard ro any other fees, [he absence of express authority
in [his Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition ou the charging of such
fee. Lender tray not charge fees that are expressly prohibited by this Security. Instrwnent or by Applicable Law.
If the Loau is subject to a law which sets maxhuwn loan charges, and that law is finally interpreted so that the interest
or other loan charges collected or to be collected in connection with Ute Loau exceed the permitted limits, then: (a) any such
loan charge shall be reduced by the atnount accessary to reduce t-te charge to the permitted ('unit; attd (b) any sums already
collected from Borrower which exceeded peruitted limits will be refunded to Borrower. Lender may choose to make this
refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces
principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment
charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower wilt
constitute a waiver of any right of action Borrower Wright have arising out of such overcharge.
15. Notices. All notices given by Borrower or Leader iu connection with this Security Iustrwneut must be iu writing.
Any notice to Borrower in connection with this Security Iustrumeut shall be deemed to have been given to Borrower when
utailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any Due
Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shalt
be the Property Address utiless Borrower has designated a substitute notice address by notice to Lender. Borrower shall
promptly notify Lender of Borrower's change of address. If Leader specifies a procedure for reporting Borrower's change of
address, then Borrower shall Drily report a change of address through that specified procedure. There may be Drily Due
designated notice address under this Security Iustrwneut at any one tiute. Auy notice to Lender shall be given by delivering it
or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to
Borrower. Any notice iu comtcc[ion with [iris Securiry Instrwnent shall not be deemed [o have been given to Lender uutit
actually received by Lender. If any notice required by this Security Instrwnent is also required uudec Applicable Law, the
Applicable Law requirement will satisfy the correspoudiug requirenteut under this Security Ius[ruuient.
1G. Governing Law; Severability; Rules of Construction. This Security Iustrwneut shall be governed by federal law
and the law of the jurisdiction in which the Property is located. All rights and obligations contained iu this Security Iustruutent
are subject to any requirements and lhnitatious of Applicable Law. Applicable Law might explicitly or impiicitly allow the
parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by
contract. Lt the event that any provision or clause of this Securiry Iustrwneut or the Note conflicts with Applicable Law, such
conflict shall not affect other provisions of [his Security Iustrwneut or the Note which eau be given effect without the
conflicting provision.
As used in this Security Ltstrwuent: (a) words of the masculine gender shall uteau and include correspoudiug neuter
words or words of the feminine gender, (b) words iu the singular shall mean and. include the plural and vice versa; and (c) the
word "may" gives sole discretion without any obligation to take any action.
17. Borrower's Copy. Borrower shall be given one copy of rite Note and of this Security Instrument.
18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest iu [he
Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests
transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the
transfer of title by Borrower at a future date to a purchaser.
If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural
person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender Wray require
iuunediatc payment in full of all suuts secured by this Security Instrwnent. However, this option shall not be exercised by
Lender if such exercise is prohibited by Applicable Law.
NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3026 1101
Bankers Systems, Inc., St, Cloud, MN Form MD-1-NE e/17/2000 (page 5 of 7 pages) L~
• 200'75268
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of
not less than 30 days from the date the notice is given iu accordance with Section 15 within which Borrower must pay all swns
secured by this Security- Instrwuent. If Borrower fails to pay these swns prior to the expiration of this period, Leader may
invoke any remedies permitted by this Security Iustrwueut without further notice or demand ou Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the
right to have enforcement of this Security Iustrumeut discontinued at any [hue prior to the earliest of: (a) five days before sale
of the Property pursuant to any power of sale contained iu this Security Instrument; (b) such other period as Applicable Law
Wright specify for the terntinatiou of Borrower's right to reinstate; or (c) entry of a judgment euforciug.this Security Iustnuuent.
Those conditions are that Borrower: (a) pays Leader all swns which rhea would be due under this Security Iustrumeut and the
Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses
incurred iu enforcing this Security Iustrumeut, including, but not limited to, reasonable attorneys' fees, property inspection and
valuation fees, and other fees incurred for the purpose of protecting Lender's interest iu the Property and rights under this
Security Iustrwuent; and (d) takes such. action as Lender may reasonably require to assure that Lender's interest iu the Property
and rights under [Iris Security htstrwuent, and Borrower's obligation to pay the swns secured by this Security Iustrwnent, shall
continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses iu one or more of the
following fonits, as selected by Lender: (a) cash; (b) ntouey order; (c) certified check, bank check, treasurer's check or
cashier's check, provided any such check is drawn upon au institution whose deposits are insured by a federaC agency,
instrwuentality or entity; or (d) Electronic Funds Transfer. Upon, reinstatement by .Borrower, this Security Iustrwnent and
obligations secured hereby shall remain fully effective as if~no acceleration had occurred. However, this right to reinstate shall
not apply in the case of acceleration under Section 18.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together
with [Iris Security Iusttwueut) can be sold one or more tiutes witltou[ prior notice to Borrower. A sale might result in a change
iu the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this. Security Iustrumeut
and perfonus other mortgage loan scrviciug obligations under the Note, this Security Iustrwueut, and Applicable Law. There
also might be one or store changes of the Loau Servicer unrelated to a sale of the Note. If there is a change of the Loau
Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loau Servicer,
the address to which payments should be made and any other iufonnatiou RESPA requires iu connection with a notice of
transfer of scrviciug. If [he No[c is sold and thereafter the Loau is serviced by a Loau Servicer other than the purchaser of the
Note, the mortgage loan servicing obligations to Borrower wilt remain with the Loau Servicer or be transferred to a successor
Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser.
Neither Borrower nor Louder may conuueuce, join, or be joined to any judicial action (as either an individual litigant of
the member of a class) that arises from the other party's actions pursuant to this Security Iustrumeut or that alleges that the
other party has breached any provision of, or arty duty owed by reason of, this Security Iustrumeut, until such Borrower or
Lender has notified the other party (with such, notice given in compliance with the requirements of Section IS) of such alleged
breach and afforded the other party hereto a reasonable period after [he giving of such notice [o take corrective action. If
Applicable Law provides a time period which must elapse before certain action eau be taken, that time period will be deemed to
be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cute given to Borrower pursuant to
Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and
opportunity to take corrective action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as
toxic or hazardous substances, pollutants, or wastes by Enviromttental Law and the following substances: gasoline, kerosene,
other flatmuable or toxic petroleutu products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or
formaldehyde, attd radioactive materials; (b) "Envirowueutal Law" means federal. laws and laws of the jurisdiction where the
Property is located that relate to health, safety or envirowuental protection; (c) "Envirownental Cleanup" includes any response
action, remedial action, or removal action, as defined iu Euviromueutal Law; and (d) au "Euvirownental couditiou" means a
couditiou that eau cause, contribute to, or otherwise trigger au Euviromueutal Cleanup.
Borrower shall not cause or pcrnti[ the presence, use, disposal, storage, or release of any Hazardous Substances, or
threaten to release any Hazardous Substances, ou or in the Property. Borrower shall not do, nor allow anyone else to do,
anything affecting the Property (a) that is in violation of any Envirounteutal Law, (b) which creates au Euvirouutental
Condition, or (c} which, due to the presence, use, or release of a Hazardous Substance, creates a couditiou that adversely
affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage ou the Property
of small quantities of Hazardous Substances that are generally recognized to be appropriate to uonual residential uses and to
maintenance of the Property (including, but not lhnited to, hazardous substances iu consumer products).
Borrower shall promptly give Lender written notice of (a) any investigation, clahn, demand, lawsuit or other action by
any govermueutal or regulatory agency or private party involving the Property and any Hazardous Substance or Euvirouuteutal
Law' of which Borrower has actual knowledge, (b) any Euvirownental couditiou, including but not limited to, any spilling,
leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any couditiou caused by the presence, use
or release of a Hazardous Substance which adversely affects the value of the Property. [f Borrower learns, or is notified by any
govermuental or regulatory authority, or any private party, that any removal or other remediatiou of any Hazardous Substance
affecting the Property is accessary, Borrower shalt promptly take all necessary remedial actions iu accordance with
Euvirownental Law. Nothing herein shall create any obligation ou Louder for au Euvirownental Cleanup.
NON-UNIFORM COVENANTS. Borrower and Lender further covettaut and agree as follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's
breach of arty covettattt or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless
Applicable Law provides otherwise). The notice shall specify: (a) rite default; (b) rite action required to cure rite default;
(c) a date, trot less titan 30 days from the date the notice is given to Borrower, by which the default must be cured; attd
(d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums
secured by this Security Ittstrutnettt and sale of rite Property. The notice shall further inform Borrower of rite right to
reinstate after acceleration and the right toI bring a court action to assert the non-existence of a default or any other
defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice,
Louder at its option may require immediate payment in full of all sums secured by this Security lttstrmnent without
furtltet• demand attd may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be
entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited
to, reasonable attorneys' fees and costs of title evidence.
If the power of sale is invoked, Trustee shall recot•d a notice of default in eac-t county ltt which any part of rite
Property is located and shall mail copies of such notice iu the manner prescribed by Applicable Law to Borrower and to
the other persons prescribed by Applicable Law. After the time required by Applicable Law, Trustee shall give public
notice of sale to the persons and in the manner prescribed by Applicable Law. Trustee, without demand on Borrower,
shall sell the Property at public auction to the highest bidder at the time and place and under the terms designated In the
notice of sale in one or more parcels attd in airy order 'T'rustee determines. Trustee [nay postpone sale of all or any pat•cel
of the Property by public announcement at the time and place of any previously scheduled sale. Lender or its designee
may purchase the Property at any sale. I
Upon receipt of payment of the price bid, Trustee shall deliver to rite purchaser Trustee's deed conveying rite
Property. The recitals iu the Trustee's deed shall be prima facie evidence of the truth of the statements made therein.
Trustee shall apply the proceeds of the sale iu the following order: (a) to all costs and expenses of exercising the power of
sale, and the sale, including the payment of the Trustee's fees actually incurred and reasonable attorneys' fees as
permitted by Applicable Law; (b) to all sums secured by this Security Ltstrument; and (c) any excess to the person or
persons legally entitled to it.
NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01
Bankers Systems, Inc., St. Cloud, MN Form MD-1-NE 8/17/2000 (page 6 Of 7 pageSJ _1-~
- G 7
X00'75268
23. Recwrveyance. Upon payment of all sinus secured by this Security Instrument, Leader shall request Trustee to
recouvey the Property and shall surrender this Security Ius[rtiment and all notes evidencing debt secured by this Security
Iustrutueut to Trustee. Trustee shall recouvey the Property without warranty to the person or persons legally entitled to it.
Such person or persons shall pay any recordation costs. Leader may charge such person or persons a fee for recouveyiug the
Property, but roily if the fee is paid to a third party (such as We Trustee) for services rendered and the charging of the fee is
penuitted under Applicable Law.
24. Substitute Trustee. Lender, at its option, may from Buie to tune remove Trustee and appoint a successor trustee to
any Trustee appointed hereunder by au instrmneut recorded in the county in which this Security Instrument is recorded.
Without conveyance of the Property, the successor trustee-shall succeed to all the title, power and duties conferred upon
Trustee herein and by Applicable Law.
25. Request for Notices. Borrower requests that copies of the notice. of default and sale be seat to Borrower's address
which is the Property Address.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument
and iu any Rider executed by Borrower and recorded with it.
.....1;?.~-.. ........................ (Seal)
THERESA C. REID -Borrower
....................................................................... (Seal)
-Borrower
[Space Below This Line For Acknowledgment]
STATE OF NEBRASKA
County of ................... ADAMS
.....................
The foregoing iustrmueut was acknowledged before me this .11:09;2007,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
...................................(date) by?HPRESAC.REIA,.?.SIN&1.~P.E9SP.N..........................................................................
.............................................................. ................................(name of person acknowledged).
My Commission expires: 09.19.2010
GENERAL NOTARY- State of Nebraska .... ........ .......•.. ..... ..... ~-G .. ........................................ .
JUDY A.SOUKUP NotaryP lie
My Comm. 6y. Sept. 19,2610 JUD A.SOUKUP
NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT
Bankers Systems, Ine., St. Cloud, MN Form MD-1-NE emnooo ~ Form 3028 t/01 (page 7aj7page,rJ
7~ ~