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HomeMy WebLinkAbout20081088NUM P6S OOC TA1( CKtR.~,.._. FEES 3~•v~o Pa..~:,~c~u..~rP.2 REr ~ ~sH ~ ~.c ~. auk `REC'D ' RETURN ~ r1 ~~O~QKa?7D ~Dr~:p~ll~i~v` (0883.2 -a~ 1d DEFINITIONS 11111911111111~NIIIIIII~~IP~NIIIIf~' ~~ ~->!r NUM ~~~ k %h s Sa RD. COMP _ k ~~/ /07,'0 8 COMPARE / caoas - ao ~ [Space Above This Line For Recording Date] DEED OF TRUST ADAMS COUNTY, N~ FILED INST, N0.` S Date ~ -f 908 rme.1Q,1„8~di1 ~~~~ REGISTER OF DEEDS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated ....... . .... . .... . ... . . . P3: J7: 2A,4@............................. , together with all Riders to this document. (B) "Borrower" is .A4ANI-.!NIEEIAMSA-4P.P~QQP.AH.S,WII,UAMS,.HUSQ?N4.?NA!NIE@ .................................................................. Borrower is the trustor under this Security Instrument. (C) "Lender" is .t)A~(I(OFDONIP.HAN ................................................................................................................ . Lender is a .GURPORATIUN ............... . .......... . ........... . .. . .... . . ................. . .... . .............. . . .... organized and existing under the laws of .THE STA:1:E RF NEQBASKA .......... . ....................... . ......Lender's address is , P P, ~AX.2?Qr AQN.IPH?N,.NE. 6.@@32:42?.Q...... Lender is the beneficiary under this Security Instrument. (ll) "Trustee" is BANK Ofp01VIPHAN,PO,BOX270,pONIPHAIV,IVE,68832,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, , (E) "Note" means the promissory note signed by Borrower and dated A3-> >•z499 ............................. . . . . ... . .. . . . . . . .... . . . .The Note states that Borrower owes Lender F1VF.iiU.NDAEO.EIF.T,EEN.THQUSANA:1:tNAHUNA9EAAND.NAI,1.qq,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, ............. . .................................... Dollars (U. S. $ 51 ~r~Po: PA............. , ..... , ...) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than ..................... P.a•J 1: 2.g49............ , , , ... , , . (P') "Property" means 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 sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ^ Adjustable Rate Rider ^ Condominium Rider ® Second Home Rider ^ Balloon Rider ^ Planned Unit Development Rider ^ Other(s) [specify] ....... . .. . . . . . . . . .... . ^ 1-4 Fancily Rider ^ Biweekly Payment Rider (I) "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, non-appealable judicial opinions. (J) "Cotntnunity Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are unposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or sunilar paper instrument, which is initiated through an electronic terntinal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such terns includes, but is not linuted to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers, (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, 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 in 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 Loan. (O) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means 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 tune to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are unposed in regard to a "federally related mortgage loan" even if Ute 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 assuutcd Borrower's obligations under the Note and/or this Security Instrument. NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT Bankers Systems, Inc., St. Cloud, MN Form MD-1-NE 8/17/2000 ref: 1/2001 (gage 1 of 7page Illlllldllllldl~llll ~~ ~oo8ioss TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument 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 in the . . ..... . ...... . .. . .............................................................. . ......................................... of (Type of Recording Jurisdiction) INeme of Recording Jurisdiction) LOT ONE (1-, JENKINS SUBDIVISION OF TAX LOT SEVEN 171 IN THE 50UTHEAST QUARTER (SE114) OF SECTION THIRTY•ONE (31-, TOWNSHIP EIGHT (81 NORTH, RANGE TEN 11 D) WEST OF THE 6TH P.M., ADAMS COUNTY, NEBRASKA, ACCORDING TD THE RECORDED PLAT THEREOF. THE SOUTH HALF IS112- OF THE NORTHWEST QUARTER INW114) DF SECTION ONE 11 ),TOWNSHIP EIGHT 18) NDRTH, RANGE ELEVEN -11- WEST OF THE 8TH P.M., ADAMS COUNTY, NEBRASKA. which currently has the address of ...........................883 N OSAG,~PQJ4NJATAN~,QQ955;,J008Q,1~ LIBE,f}TY,AUE,,,,,,,,,,,,,,,,,,,,,,,,,,,, [Street] .............................N.AIVSQIV...........................,. ,Nebraska ...........,.... .6,>1~OJ,..,,,,.,..,.,,,..,., ("Property Address") [City] [Zip Code] TOGETHER WITH all the umprovements 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 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 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-uniforn covenants with )united variations by jurisdiction to constitute a unifornt security instruuent 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 prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under Qte Note or this Security Instrument is returned 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 the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, ban}: check, treasurer's check or cashier'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 location as may be designated by Lender in accordance with the notice 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 tune 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 unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of tune, 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 inunediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower froth making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all 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) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, 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 charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one 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 in the Note. Any application of payments, 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. Tunds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any;. (c) premiums for any and all utsurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items. " At origination or at any tune during the tern of the Loan, Lender may require that Conununity Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be ~n E'~fow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lend n to pay the Funds for°any' or all"ESErow"Itcitts. Lender may waive Borrower's .obligation to pay to Lender Funds for any or all Escrow Items at any tune. Any such waiver may only be in writing, In the event of .''such ~,i;,yr~ ,when and where payable; the°~tiiouiTts °aue for any Escrow Items for which payment° of ~., 'stiC~r~ yaz.h^^~ •„';°^~' ''~t.i.c~lai. and, if Lender requires, shall furnish to Lender receipts evidencing such^payment within i bt. h tune period as Lender may require, Borrower's obligation to'iiiake sucli payments and to provide receipts shall for all _, ~~St?S"'b~;~tilif6'i]SaCgN-~nant and agreement contained in this Security Instrument, as.;the phrx~"" "covenant and agrect ::..,;~.: ~_.,:~~' a~..~.-,I~' Borrower is obligated to pay. Escrow Items directly, pursuant to a waiver, and Borrower ~~~ ~C~~ _ !flpi~BRASKA~ingle Fam1l~Fannie MaelFreddie Mac UNIFORM INSTRUMENT ~ . ~ [j jj~{~J~•Srystems, Inc."' s"` t. coo d,(~t`~Forw"~' o~i"-NE 8/17/2000 (pC,g¢ 2 of 7pC,g¢ ` f 1 JW 4]t era u~i~,......,,..~~....,........w ~ .. ,' ~ `, .., ab ~oosioss fails to pay ilia amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such aniount and Borrower sltall then be obligated under Section 9 to repay to Lender any such anmount. Lender may revoke the waiver as to any or all Escrow Items at any three by a notice given itm accordance with Section 15 and, upon suclm revocation, Borrower sltall pay to Lender all Funds, and in such aniotmts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the tone specified under RESPA, and (b) not to exceed the maximum amount a lender can require under 12ESPA. Lender shall estnnate ilia ammount of Funds due on tlme basis of current data and reasonable esthnates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds sltall be lmeld in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Punds to pay the Escrow Items no later than the tune specified under ]ZESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying Ume Escrow Items, unless Lender pays Borrower interest on tlme Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds, Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender sltall give to Borrower, without charge, an annual accounting of the Funds as required by ItESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender sltall account to Borrower for the excess funds in accordance with 12I:SPA. If Umere is a shortage of Funds held in escrow, as defined under -RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount "necessary to make up the shortage in accordance with 12ESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under 12ESPA, Lender shall notify Borrower as required by }2ESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with 12ESPA, but in no more Ulan 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrutmment, leasehold payments or ground rents on the Property, if any, and Conummunity Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long. as Borrower is performing such agreement; (b) contests tlme lien in good faith by, or defends against enforcement of the lien in, legal proceedings wlmiclm in Lender's opinion operate to prevent tlme enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender nmay give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender nmay require Borrower to pay cone-thee charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Immsurance. Borrower shall keep the hnprovenments now existing or hereafter erected on the Property insured against loss by fire, hazards included within tlme temm "extended coverage," and any other hazards including, but not lnnited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during ilia term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services;. or (b) a one-tune charge for flood zone determination and certification services and subsequent charges each tune remappings or sunilar changes occur which reasonably might affect such determination or certification. Borrower sltall also be responsible for the paynment of any fees hnposed by tlme Federal Emergency Management Agency in connection with tlme review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to tmmaintain any of the coverages described above, Lender nmay obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, suclm coverage sltall cover Lender, but tmmigltt or might not protect Borrower, Borrower's equity in the Property, or tlme contents of tlme Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect, Borrower acknowledges that the cost of the insurance coverage so obtained nmiglmt significantly exceed tlme cost of insurance that Borrower could have obtained. Any anmounts disbursed by Lender tinder this Section 5 shall beconme additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender attd renewals of such policies sltall be subject to Lender's right to disapprove such policies, shall include a standard nmortgage clause, and shall name Lender as nmortgagee and/or as an additional loss payee. Lender sltall have the right to hold the policies and renewal certificates. If Lender requires, Borrower sltall promptly give to Lender all receipts of paid pretniutmms and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall namme Lender as mortgagee and/or as an additional loss payee. In tlme event of loss, Borrower sltall give prompt notice to the insurance carrier and Lender, Lender nmay tmmake proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, wlmetlter or not tlme underlying insurance was required by Lender, sltall be applied to restoration or repair of ilia Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender sltall have tlme right to hold such insurance proceeds until Lender has had an 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 nmay disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is remade in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower sltall not be paid out of the insurance proceeds and sltall be the sole obligation of Borrower. If ilia restoration or repair is not econonmically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the summs secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds sltall be applied in tlme order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice frotmm Lender that the insurance carrier lmas offered to settle a claum, then Lender may negotiate and settle the clans. The 30-day period will begin when the notice is given. In either event, or if Lender acquires time Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the anmounts unpaid under tlme Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiunms paid by Borrower) under all insurance politics covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay anmounts unpaid under the Note or this Security Instrument, whether or not then due. G. Occupancy. Borrower shall occupy, establish, and use tlme Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and sltall continue to occupy the Property as Borrower's principal residence for at least otme year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circuumstances exist whiclm are beyond Borrower's control. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT F rm 30~2q Bankers Systems, Inc., St. Cioud, MN Form MD-1-NE 8/17/2000 (gage 3 of 7pages 3a~ ~ 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain time Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair tlme Property if damaged to avoid furtlmer deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or time taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender lmas released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single paynment or in a series of progress paynments as the work is cotmmpleted. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for time completion of such repair or restoration. Lender or its agent clay nmake reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender nmay inspect time interior of the unprovements on tlme Property. Lender shall give Borrower notice at time time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at time direction of Borrower or with Borrower's knowledge or consent gave nmaterially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material inforniation) in connection with tlme Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of tlme Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property. and Rights Under this. Security Instrument. If (a) Borrower fails to perforn the covenants and agreements contained in tlmis Security Instrument, (b) there is a legal proceeding tlmat miglmt significantly affect Lender's interest in the Property and/or rights under this Security Instrument (suclm as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over tlmis Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned tlme Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under tlmis Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing time Property. Lender's actions can include, but arc not lumited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in time Property and/or rights under this Security Instrutmment, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not lituited to, entering the Property to make repairs, clmange locks, replace or board up doors and windows, drain water fronm pipes, elumminate building or oftener code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under tlmis Section 9. Any amounts disbursed by Lender under tlmis Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate fromm the date of disbursement and shall be payable, with such interest, upon notice frotmm Lender to Borrower requesting paynment. If this Security Instrument is on a leasehold, Borrower shall comply witlm all the provisions of the lease. If Borrower acquires fee title to tlme Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing, 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain time Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available frotmm the nmortgage insurer tlmat previously provided such insurance and Borrower was required to make separately designated payments toward the pretniunms for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent t.o the Mortgage Insurance previously in effect, at a cost substantially equivalent to time cost to Borrower of the Mortgage Insurance previously in effect, fromm an alternate nmortgage insurer selected by Lender, If substantially equivalent Mortgage Insurance coverage is not available, Borrower slmall continue to pay to Lender time amount of tlme separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain tlmese payments as anon-refundable loss reserve in lieu of Mortgage Insurance. Suclm loss reserve shall be non-refundable, notwitlmstanding the fact that time Loan is ultimately -paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the anmount and for time period that Lender requires) provided by an insurer selected by Lender again becotmmes available, is obtained, and Lender requires separately designated paymments toward the premiumms for Mortgage Insuratmce. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to tmmake separately designated payments toward the premiunms for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide anon-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such ternmination or until ternitmation is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reunburses Lender (or any entity tlmat purchases the Note) for certain losses it may incur if Borrower does not repay Ilene Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate tlmeir total risk on all such insurance in force from tinme to tinme, and may enter into agreements with other parties tlmat share or modify their risk, or reduce losses. These agreements are on temms and conditions that arc satisfactory to the mortgage insurer and time other party (or parties) to these agreements. These agreements may require time mortgage insurer to make paymments using any source of funds tlmat time mortgage insurer tray have available (which may include funds obtained fromm Mortgage Insurance premmiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsures, any other entity, or any affiliate of any of the foregoing, nmay receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying time mortgage insurer's risk, or reducing losses. If suclm agreement provides that an affiliate of Lender takes a share of insurer's risk in exchange for a share of the prenmiunms paid to the insurer, the arrangement is often temmed "captive reinsurance. " Further: (a) Any such agreements will not affect the amounts that Borrower limas agreed to pay for Mortgage Lmsurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Auy such agreements tivill not affect the rights Borrower has--if any--with respect to the Mortgage Insurance under the IIomeowuers Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtatu cancellation of the Mortgage Insurance, to have the Mortgage Insurance tertrminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lctmdcr, If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of tlme 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 time right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure tlme work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as time work is conmpleled. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If tlme restoration or repair is not economically feasible or Lender's security would be lessened, time Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with tlme excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In tlme event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the summs secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrows . NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Fo 30 Bankers Systems, Inc., St, Cloud, MN Form MD-1-NE 8/17/2000 (page 4 of 7pageSf ~{e~ 't ~~©81oss In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property hmnnediately before the partial taking, destruction, or loss in value is equal to or greater titan the amount of the summs secured by this Security Instrument niunediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total aniount of the sums secured intnmediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property inummediately before tlme partial taking, destruction, or loss in value. Any balance shall be paid to Borrower, In the event of a partial taking, destruction, or loss in value of the Property in which t]re fair market value of the Property hmnnediately before the partial taking, destruction, or loss in value is less than tlme amount of the sums secured hiuuediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the Bunts are then due. If tlme Property is abandoned by Borrower, or if, after notice by Lender to Borrower drat time Opposing Party (as defined in the next sentence) offers to make an award to settle a clahu for damages, Borrower fails to respond to Lender within 30 days after the 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 sums secured by this Security Instruument, whether or not then due. "Opposing Party" means tlme third party that owes Borrower Miscellaneous Proceeds or tlme party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal; is begun drat, in Lender's judgment, could result in forfeiture of the Property or other material himpairtuent of Lender's interest in the Property or rights under this Security Instrument, Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing tlmc action or proceeding to be dismissed with a ruling drat, in Lender's judgment, precludes- forfeiture of the Property or other material hnpairtnent of Lender's interest in the Property or rights under this Security Instrument, The proceeds of any award or clahn for damages, that are attributable to tlme impairment of Lender's interest in tlme Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Keleased; Forbearance By Lender Not a Waiver. Extension of the three for payment or modification of anmortization of the sunms secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to conuuence proceedings against any Successor in Interest of Borrower or to refuse to extend tune for payment or otlmerwise modify aumortization of the sunms secured by this Security Instrument by reason of any demand made by tlme original Borrower or army Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or retmmedy including, without litmtitation, Lender's acceptance of paynments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude time 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 wlto co-signs tlmis Security Instrument but does not execute tlme Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest iu the Property under the tertus of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrunment; and (c) agrees drat Lender and any other Borrower can agree to extend, nmodify, forbear or make any acconuuodations with regard to the ternis of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrutmment in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrutmtent. Borrower shall not be released from Borrower's obligations and liability under tlmis Security Instrutmrettt unless Lender agrees to suclm release in writing. Tlme covenants and agreetmments of this Security Instrunment shall bind (except. as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan. Charges. Lender may charge Borrower fees for services perl'ornred in connection with Borrower's default, for the purpose of protecting Lender's interest in tlme Property and riglmts under this Security Instrument, including, but not 1ummited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on tlme charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If tlme Loan is subject to a law which sets maxhnum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the pemtitted linmits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to tlme pemritted limit; and (b) any summs already collected from Borrower which exceeded permitted lhnits will be refunded to Borrower. Lender may choose to make this refund by reducitmg the principal owed under the Note or by tmmaking a direct paynment 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 time Note). Borrower's acceptance of any such refund remade by direct paynment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when nmailed by first class tmmail or when actually delivered to Borrower's notice address if sent by otlmer mearms, Notice to any one Borrower slmall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. Tlme notice address shall be tlme Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall protmmptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by retailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 1G. Governing I,aw; Sevet•ability; Kules of Construction. This Security Instrument shall be governed by federal law and tlme law of tlme jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument arc subject to any requirements and lhnitations of Applicable Law. Applicable Law might explicitly or inmplicitly allow time parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) time word "nmay" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of tlmis Security Instrument. 18. Transfer of the Propetty or a Beneficial Interest hr Borrower. As used in this Section 18, "Interest in time Property" means any legal or beneficial interest in the Property, including, ,but not lhuited to, those beneficial interests transferred in a bond for decd, contract for decd, installnment 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 time Property or arty 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 tray require hmunediate paynteut in full of all summs secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT F rm 3~ Bankers Systems, Inc., St. Cloud, MN Form MD-7-NE 6/17/2000 (pnge S oj7Jx7ges ~~ ~aasioss 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 time notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to time expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have time right to have enforcement of this Security Instrument discontinued at any tame prior to flte earliest of: (a) five days before sale of time Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Tlmose conditions arc tlmat Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration lmad occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not linmited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure tlmat Lender's interest in the Property and riglmts under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender nmay require that Borrower pay such reinstatement sums and expenses. in one or more of time following forns, as selected by Lender (a) cash; (b) money order; (c) certified check, bank check, .treasurer's check or cashier's clmeck, provided any suclm check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by .Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in time 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 this Security Instrument) can be sold one or more tunes without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under time Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the clmange which will state time name and address of time new Loan Servicer, time address to which payments should be made and any otlmer information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, time tmmortgage loan servicing obligations to Borrower will retmmain with time Loan 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 Lender nmay couummence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the otlmer party's actions pursuant to this Security Instrument or that alleges that the outer party has breached any provision of, or any duty owed by reason of, finis Security Instrunment, until such Borrower or Lender has notified time outer party (with such notice given in compliance with the requirements of Section 15) of such alleged breaclm and afforded time outer party hereto a reasonable period after time giving of such notice to take corrective action. If Applicable Law provides a fume period which umust elapse before certain action can be taken, that tinme period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and time notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy time 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 Enviromunental Law and the following substances; gasoline, kerosene, other flanmtmable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environnmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environnmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or pemtit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property, Borrower shall not do, nor allow anyone else to do, anything affecting time Property (a) tlmat is in violation of any Environnmental Law, (b) which creates an Environmmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects time value of time Property. Time preceding two sentences shall not apply to the presence, use, or storage on the Property of snmall quantities of Hazardous Substances that are generally recognized to be appropriate to nornial residential uses and to maintenance of the Property (including, but not lhmited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claumm, demmand, lawsuit or otlmer action by any governtmental or regulatory agency or private party involving time Property and any Hazardous Substance or Environmmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not Ihnited to, any spilling, leaking, discharge, release or tlmreat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance wlmiclm adversely affects time value of the Property. If Borrower learns, or is notified by any governmmemmtal or regulatory authority, or any private party, tlmat any remmoval or outer renmediation of any Hazardous Substance affecting time Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not, prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (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 Instrument and sale of the Property. The notice shall further inform Borrower of the riglrt to reinstate after acceleration and the right to 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, Lender at its option ir-ay require immediate payment in full of all sums secured by this Security Instrument without further demand and 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 record a notice of default in each county in which any part of the Property is located and shall mail copies of such notice in the mamter 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 and In any order Trustee determines. Trustee may postpone sale of ail or any parcel of the Property by public amtouncemeut at the time and place of any previously scheduled sale. Lender or its designee may purchase the Property at any sale. Upon receipt of payment of the price bid, Trustee shall deliver to the purchaser Trustee's deed conveying the Property. The recitals in 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 in 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 permmitted by Applicable I,aw; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT F m 3~ Bankers Systems, Inc., St. Cloud, MN Form MD-1-NE 8 /1 712 00 0 (page 6 of 7pageS ~~~ ~00~1088 23. Reconveyauce. Upon payment of all sums secured by this Security Instrument, Lender shall request Trustee to reconvey the Property and sltall surrender this Security Instrument and all notes evidencing debt secured by tltis Security Instrument to Trustee. Trustee shall reconvey the Property without- warranty to the person or persons legally entitled to it. Such person or persons shall pay any recordation costs. Lender may charge such person or persons a fee for reconveying the Property, but only if the fee is paid to a third party (such as tlrc Trustee) for services rendered and the charging of the fee is permitted under Applicable Law. 24. Substitute Trustee. Lender, at its option, may from time to time remove Trustee and appoint a successor trustee to any Trustee appointed hereunder by an instrument recorded in the county in which this Security Instrument is recorded. Without conveyance of tlte. Property, the successor trustee shall succeed to all the title, power and duties conferred upon Trustee lterein and by Applicable Law. 25. Request for Notices. Borrower requests that copies of the notice of default and sale be sent to Borrower's address which is t1te.Property Address. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. ..1~'..`.- ........ ................................ . ............. . (Seal) ALAN \L._WI^LLIA~MS / ~ ~ -Borrower ~u\yl~.~:..~./.....G~1'Y1~1 ............. (Seal) DEBORAH S. WILLIAMS -Borrower STATE OP NEBRASKA [Space Below This Line For Acknowledgment] County of ... ......... ,,,ADAMS,,, 'I7re foregoing instrument was acknowledged before me this .43;~~;~008,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, ................................... (date). by ALAN I~ W14LIAMS;. P1;~9PAH.S.1Nl~~lAMS,.HU~9AN4.9NA ~YIF.~................................................ .........:... . .......... . ......................................... ............. , ... , ... ute o p rson acknowle g ) . (na f e d ed . My Cormnission expires; 9/~9/o?O /O t~IEAA~ NOTARr•ltt~ ai Nilbhelte ........ .... .. . , ..... . . ..... ....... .......... , ...... , ... , .. . ~~~ gO~IKl1P otary Publ c NyComm. . Sept. ts, ~OIA NEBRASKA-Single Family-Fannie Mae(Freddie Mac UNIFORM INSTRUMENT Bankers Systems, Inc., St. Cloud, MN Form MD-1-NE 8/17/2000 Form 3028 101 (page 7oJ7/wgesJ 7~ 7