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HomeMy WebLinkAbout20081384~~. SQ' NUM PGS DOC TAX CK# FEES_~o5o pp O.Sp CK# ~7/7.~ CHG ACCT # RET FEES; CASH R.O.D. CK# RECD •SU ZGin _ ~-~u~~ 1 A~r.~a~- RETURN_ ~ ~1t.1 ~~~ Q ~I~l _~p T C levela~ct, H 4ulz~- 5"qa~ I~VI~MV~~~~1~~~P~BN NUM---~ ~~d RD. COMP ~_ GIG/ 9=a~ ~~7h~ COMPARE CADAS AO ~ Record & Return To: Mortgage Information Services, -Inc. 4877 Galaxy Parkway, Suite I Cleveland, OH 44128 1'tr~latrd By: CihMortgage, Inc. 1011 Galleria Officenlre Ste: 3(10 ,; , , i:~i L. ~~~~~~~ State of Nebraska DEED OF TRUST AQAMS CAUNTY, NE FI ED INST. NO. ~va ~~~ Date y~Time~/~ V~' dJ REGfSTER OF DEEDS FHA Cie No. 321-2514748 703 MIN 100011520052128164 TFIIS DF,F,D OF TRLIST ("Security Irnlrument") is made on Nlarch 21, 2008 The '1'tutt~ir is ANTJE R. ANDERSON A/K1A ANTJE S. ANDERSON, UNMARRIED ("ITon-ower"). The Trustee is First American Title Company ("'1'><vstee"). The beneficiary is Mortgage Electronic Registration Systems, Inc. (''MERS"), (solely as nominee for Lender, as hereinafter defined, and Lender's successors and assigns). VIERS is organized and existing under We laws of lldaware, and has an address and telephone number of Y.O. Box 2026, Flint, MI 48501-2026, tel. (888} 679-ME&S. CitiMortgagc, Inc. ("Lender") is organized and existing under the laws of New York ~ tuxl htlS an address of 1000'fcehnology llrivc, O' Fallon, MO 63368-2240 . Borrower owes Lender the principal sum of Seventy Eight Thousand Three Hundred Seventy Ninc 110211115 2 1 2 8 1 6 ' FIIA Nebraska Deed of Trust with MFRS - 4/9G Wolters Kluwer Financial Services VMPU-4N(NE~loao~~.oi Amendped~7y/04 / \n[/~~ Page 1 of 8 Initials ,l', !`(~.-~ ~~ ~C(~. "~"~°~ `~" llollars (U.S. $ 78,379.00 ). ~uniu~~~ui~ ~~ 2008138 'Phis debt is evidenced by Bormwer's note dated the same date as this Security Instrument ("Note"), which provides for monUily payments, with the full debt, if not paid earlier, due and payable on April 1, 2038 . This Secwrity Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other surm, with interest, advanced under paragraph 7 to protect the security of this Security Instnunent; and (c) the perfornlance of Borrower's covenants and agreements under this Security histnunent and the. Note. For this purpose, Bornower irrevocably grants and conveys to the Trnstee, in trust, with power of sale, the following described property located in Adams County, Nebraska: THE NORTH 100 FEET OF LOT ONE (1), BLOCK SEVEN (7), COLLEGE ADDITION TO THE CITY OF HASTINGS, ADAMS COUNTY, NEBRASKA, ACCORDING TO THE RECORDED PLAT THEREOF. Parcel ill Number. 284-11986 wlich has the address of 418 LINIVERSITY ST [street] 1iASTiNGS [C~ty7, Nebraska 68901- [Zip Code] ("propec{y Address"); 7'OGF;TFiER Wf7'R all the improvements now or hereafter erected on the property, and all easements, appurtenances and fixtures now or hereafter a part of the property. All replacements and additions shall also be wvered by ibis Security histrtrment All of the t'oregoing is ret'erred [o in this Security Instrument a5 the "Properly. " Bornower understarxls and agrees that MFRS holds only legal title to the interests granted by Borrower in this Security Instrument; but, if necessary to comply with law or custom, MERS, (as nominee for Lender and Lender's successors and assigns), has the right: to exercise any or all of those interests, including, but not limited to, the right itr foreclose and sell the Property; and to take any action required of Lerxler including, but not limited to, releasing or canceling this Security hiStnmlenL BORROW[~.R COVENANTS that Bomwer is lawfully seized of the estate hereby conveyed and has the right fo grant aril convey the Property and That the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend gerxrally the title Icr the Prrrperiy against all claims and demands, subject to any encumbrances of record. '1'IllS SECUI2IT'Y INSTRUMENT combines urrifornr covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. Bornrwer and Lender covenant and agree as follows: LINIF ORM COVENANTS. 1. Payment of Principal, Interest and Late Charge. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. 2. Monthly Payment of Taxes, Insurance and Other Charges. Borrower shall include in each monthly paynxnt, together with the principal and interest as set forth in the Note and any late charges, a sum for (a) taxes and special assessments levied or Irr be levied against the 1'ropcriy, (b) leasehold payments or ground rents on the Property, anct (c) premiums 1'or inswarrce required under paragraph 4. In any year in which the Lender must pay a mortgage insurance premium to the Secretary of FIousing and Urban Development ("Secretary"), or in any year in which such preniunr would have been required if Lender still held the Security htstrvmenl, each monthly payment shall also include either: (i) a surer for the annual mortgage insurance premium to be paid by Lender to the Secretary, or (ii) a monthly charge instead of a mortgage insurance prenum if this Security Instrument is held by the Secretary, in a reasorwble amount to be deternrined by the Secretary. Except for the nxrnthly charge by the Secretary, these items are called "Escrow Items" and the sunn paid to bender are called "Escrow Funds. " 002005212816 %,9~~~3 ~~~ ~S~~, ~~ Iriiials: VMP~"~-4N(N~ ~oao~~.or Faye z or s [002005212816] O ~a 2U0~138~ Lender play, at any lime, collect and hold amounts for Escrow Itenn in an aggregate amount not to exceed the maximum anrurmt that nuy be required for Borrower's escrow account under the Real Estate Settlement Procedures Act of 1974, 12 U.S.C. Section 2601 et seq. and implementing regulations, 24 CFR Part 3500, as they may be amended from time to time ("RFSPA"), except that the cushion or reserve permitted by RF.SPA for unanticipated disbursements or disbrusements before the Borrower's payments are available in the account may nut kx based on anrounis due for the mortgage insurance prenriunl. If the aruounts held by bender for F,scrow Items exceed the anrounfs permitted to be held by RFSPA, I.erxler shall account W Borrower for the excess funds as required by RESPA. If the amounts of funds held by Lender at any time are not sufficient to pay the Escrow Items when due, Lender may notify the Borrower and require Borrower to make up the shortage as pernritled by RFSPA. The Escrow Furxls are pledged as additional security for all sums secured by this Security Irtshtmrent II' Borrower tenders to Lender the full payment of all such surm, Borrower's account shall be credited with the balance remaining for all installment items (a), (b), and (c) and any mortgage insurance premium installment that Lender has not become obligated to pay to the Secretary, and Lender shall promptly ret'und any excess funds to Burrower. Imnledialely prior t0 a foreclosure sale of the Property or its acquisition by Lender, Bornower's account shall be credited with any balance remaining for all installments for items (a), (b), and (c). 3. Application of Payments. All payments under paragraphs 1 and 2 shall be applied by Lender as follows: First, to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly-charge by the Secretary instead of the monthly mortgage insurance premium; Second, to any taxes, special assessments, leasehold payments or ground rents, and fire, flood and other hazard insmance premiums, as required; Third, to interest due under the Nole; 1' ourih, to amortization oi' the principal of the Note; and Fifth, to late charges due under the Note. 4. FiFire, Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property, whettrer now in existence or subsequently erected, against any hazards, casualties, and contingencies, including fire, for which Lender requires insurance. This imurance shall be maintained in the amounts and for the periods that Lender reyuires. Borrower shall also insure all improvements on the Property, whether now in existence or subsequently erected, against loss by floods to the extent required by the Secretary. All insurance shall be carried with companies apprnved by Lender. The insurance policies and any renewals shall be held by Lender and shall include loss payable clarrscs in favor of, and in a form acceptable lo, Lcndcr. In the event of loss, Borrower shall give Lender immediate notice by mail. Lender may make proof of loss if not nude promplly by Borrower. Each insurance company concerned is hereby authorized and directed to make payment for such loss directly to Lender; instead of to Borrower and to Lender jointly. All or any pars of the insurance proceeds may be applied by Lender, at its option, either (a) to the reduction of the indebtedness under the Note and this Security Inshvnlent, first to any delinquent amounts applied in the order in paragraph 3, and then to prepayment of prirrcipirl, or (b) to the restoration or repair of the damaged Properly. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments which are referred to in paragraph 2, or change the anrounl of such payments. Any excess insurance proceeds over an amount required to pay all outstarxling indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. Irr the event of foreclosure of this Security Institrment or other transfer of title to the Property that extinguishes the imlebtedness, all right, title acrd interest of Borrower in and Ur insurance policies in force shall pass to the pruchascr. 5. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall occupy, establish, and use the Prroperty as Borower's principal residence within sixty days al'ler the execution of Uric Security Imlrunlent (or within sixty days of a later sale or 1raansfer of the Property) aril shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless bender determines That requirement will cause urxlue hardship for Borrower, or unless extenuating cireunrsiances exist which are beyond Borrower's control. Borrower shall notify Lender oi' any extenuating cimunrstances. Borrower shall not commit waste or deshroy, danrage or substantially change the Property or allow the I'rolreriy lu deteriorate, reasonable wear and tear- excepted. bender nuy inspect the Property if the Property is vacant or abarxloned or the loan is in del'au1L Lender may take reasonable action to protect and preserve such vacant or 002005212816 ~~~ r,~Q ~~'~~ Iri+ials: VMP~~-4N(Nt7 {oao~~.o+ Page 3 m s [002005212816] ~~~~ 200d138~ abandoned I'mperiy. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate infornration or statements to Lender (or failed to provide Lender with any material in('ornration) in connection with the loan evidenced by the Note, including, but not limited to, representations concenung Borrower's occupancy of the Property as a principal residence. U this Security Intnunent is on a leasehold, Borrower shall comply with the provision of the lease. If Borrower acquires fee title to the Property, the leasehold and t'ee title shall not be merged unless Lender agrees to the merger in writing. 6. Condemnation. The proceeds of any award or claim for damages, direct or conequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in place of condemnation, are hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness that remains unpaid under the Note and this Security Instrument. Lender shall apply such proceeds to the reduction of the indebtedness under the Note and this Security Intrument, first to any delinquent amounts. applied in the order provided in paragraph 3, and then to prepayment of principal. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments, which are referred fo in paragraph 2, or change the amount of such payments. Any excess proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid io the entity legally entitled thereto. 7. Charges to Borrower and Protection of Lender's Rights in the Property. Borrower'shall pay all govenmrenlal or municipal chart es, tines and impositions that arc: not included in paragraph 2. Bornlwer shall pay these obligations on time directly trr the entity which is owed the payment. If failure to pay would adversely affect Lender's interest in the Property, upon Lender's request Borrower shall promptly faunish to Lender receipfs cvidcrnirrg these payments. Il' Bonvwcr fails to make these payments or the paynrcnls required by paragraph 2, or fails to pcrfonn any other covenants aril agreements contained in Uris Security Instrument, or there is a legal proceeding that may significantly al'fect Lender's rights in the Property (such as a proceeding in banknapicy, for condemnation or to enforce laws or regulations), then bender may do and pay whatever is necessary to protect the value of the Property and Lender's rights in We Property, including lrayment of taxes, hazarYl insurance and other items mentioned in paragraph 2. Any amounts. disbursed by i.encler under U;is paragraph shall become an additional debt of Bornower and be secured by this Security Intnrment. These amounts shall bear interest from the date of disbursement, at the Note rate, aril at the option of Lender, shall be inmaediately due and payable. Bom~rwer shall promptly discharge any lien which has priority over this Security hastnunent unless Borrower: (a) agates in writing to the payment of the obligation secured by the lien in a naarurer acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in .the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security hashument. If Lender determines that any part of the I'rvperiy is subject to a lien which may attain priority over this Security hishument, Lender may give Borrower a notice identifying the Lien. Borrower shall satisfy the lien or take one or more of the action set forth above within 10 days of the giving of notice. 8. 1?ees. Lender nray collect fees and charges authorized by the Secretary. 9. Grounds for Acceleration of Debt. (a) Default. bender may, except as limited by regulations issued by the Secretary, in the case of payment defaults, require inmrediaic payment in full of all sums secured by this Security hastrument if: (i) Bonvwer defaults by failing to pay in full any monthly payment required by this Security h~shtunent prior U) or on the due date of the next monthly payment, or (ii) Borrower defaults by failing, l'or a period oi' thirty days, to perform any other obligation contained in this Security Intrwrrent (b) Sale Without Credit Approval. Lender shall, it' permitted by applicable law (including Section 341(d) of the Garr-St. Cernrain llepository lntitutioru Act of 1982, 12 U.S.C. 1701j-3(d)) and with the prior appavval of the Secretary, regarire inunediate payment in full of all sums secured by this Security histrument if: r 002005212816 ~~~ imr~is: VMP~~-4N(N~ ~oao~~.oi Paye a o~ s [002005212816] ofY 2008138 (i) All or part of the I'mperty, or a beneficial interest in a trust owning all or part of the Property, is sold or otherwise tramferred (other than by devise or descent), and (ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the purchaser or grantee does so occupy the Properly but his or her credit has not been approved in accordance with the requirements of the Secretary. (c) No Waiver. If circumstances occur that would pernrit Lender to require immediate payment in full, but Lender does not require such payments, Lender does not waive its rights with respect to subsequent events. (d) Regulations of IIUI) Secretary. br many circumstances regulatiorn issued by the Secretary will limit Lender's rights, in the case of payment defaults, to require immediate payment in full and foreclose if not paid. This Security Inslnurlent does not authorize acceleration or foreclosure if not permitted by regulations of the Secretary. (e) Mortgage Not Insured. Borower agrees that if this Security histnunent and the. Note are not determined to be eligible for insurance under the National Housing Act within 60 days from the date hereof, Lender may, at its option, require immediate payment in full of all sums secured by this Security Imtnunent. A wrilien statement of any authorized agent of the Secretary dated subsequent io 60 days from the date hereof, declining icr insure this Security hzstnurrent and the Note, shall be deemed conclusive .proof of such irxligibility. Notwithstarxling the foregoing, this option may rwt be exenised by Lender when the ururvallability of insurance is solely due to Lender's failure to remit a mortgage insunurce premium to the Secretary. lU. Kcinstatemcnl. Borrower has a right to be reinstated if Lender has reyuired immediate payment in full because of Borrrower's failure to pay an amount due under the Note or this Security InslnunenL This right applies even after foreclosure proceedings are instituted. To reinstate the Security Instrument, Borrower shall tender in a lump sum all anrounls required to bring Borrower's account current including, to We extent they are obligations of 13onvwer under this Security Instrument, foreclosure costs and reasonable and customary attorneys' fees and expenses property associated with the foreclosure proceeding.. Upon reirrstateroent by Borrower, this Security Inshvment and the obligations that it secures shall remain in effect as if Lender had not required immediate payment in full. However, Lender is not required to pernrit reinstatement if: (i) Lender has accepted reinstatement after the commencement of foreclosure proceedings within two years inmrediately preceding the commencement of a current foreclosure proceeding, (ii) reinstatement will preclude foreclosure on different grourxLs in the future, or (iii) reinstatement will adversely affect the priority of the lien created by this Security Inslnrment 11. Borrower Not Released; Forbearance By Lender Not a Waiver. >;xtension of the time of payment or modification of amortization of the sun>.s secured by this Security hutnmrent granted by Lender to any successor in interest of Bornrwer shall not operate to release the liability of the original Borrower or Bomower's successor in interest. Lender shall not be required to commence proceedings against any successor in interest or refr~se to extend time for payment or otherwise modify amortization of the sums secured by this Security Insinunent by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; .Ioint and Several Liability; Co-Signers. The covenants and agreements of this Security histnmrent shall bind and benefit the successors and assign of Lender and Bonnwer, subject to the provisions of paragraph 9(b). Bomower's coverranis and agreements shall be joint and several. Any Borrower who ar-signs this Security Instrturrent but does not execute the Note: (a) is co-signing this Security Ir>strwnent only to nrorigage, grant and convey chat Borrower's interest in the Property under the teens of this Security Instrurrrent; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other I3orn~wer Wray agree to extend, nrodil'y, forbear or make any acconunodatioru with regard 1o the teens of this Security Instrument or the Note without that 13onvwer's consent. 062005212816 ~~?~L~ «,~1:~ ~~~_ i~c~ai~- VMP~'-4NIN~ ~oao~~.oi waye s or e [002005212816] ~J Qf 2oo~i~8~ 13. Notices. Any notice trr I3vrmwer pmvided for in this Security Imtrtunent shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by Crst class mail to Lender's address stated herein or any address Lender designates by notice to Borrower. Any rx>•tice pmvided for in Uris Security Instrument shall be deemed to have been given to Borrower or Lender when given as pmvided in this paragraph. 14. Governing Law; Severability. This Security Irslnunent shall be governed by Federal law and the law of the ,jurisdiction in which the Property is located. In the event that any provision or clause of this Security Irslnnnent or the Notc conllicls with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Notc which can be given effect without the conflicting provision. To this end the provisions of this Security Inshvment and the Note are declared to be severable. 15. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security IrslrvnlenL lfi. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything all'ecting the Property that is in violation of any Environmental Law. The preceding two sentences shall- not apply to the presence, use, yr stvrage on the Property vf' small quantities of Hazardous Substances that are generally recugnized to lx: appropriate to normal residential uses and to maintenance of the Properly. Bvtrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or odner action by any govenmrenlal or regrdalory agency or private party involving the Property and any Hazanfous Substance or L+'nvimnmenW Law of which Bornvwer has actual knowledge. If Borrower leans, or is notified by any govemrrrental or regulatory authority, that any removal or other renrediation of any Hazardous Substances affecting the Property is necessary, Bomrwer shall promptly lake all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 16, "hazardous Substances" ar•e those substances defined as toxic or hazardous substances by Environmental i.aw and the following substances: gasoline, kerosene, other flammable or toxic petrolewn products, toxic pesticides and heri~icides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 16, "Environmental Law" means federal laws and laws of the jurisdiction where the I'mperty is located that relate to health, safety or environmental protection. NON-i1NII+01211 COVENANTS. Burrower and Lender further covenant and agree as follows: 17. Assignment of Rents. Borrower unconditionally assigns and transfers to Lender all the rents and revenues of the Properly. 1orrower authorizes Lender or Lender's agents (o collect the rents and revenues anal hereby directs each tenant of the I'ruperiy to pay the rents to Lender or Lender's agents. However, prior to Lender's notice to Bonnwer of Borrower's breach of any covenant or agreement in the Security Irstnnrrent, Borrower shall collect and receive all rents arrd revenues of the Property as trustee for the benefit of Lender and Borrower. This assignment of rents corsiitutes an absolute assignment aril not an assignment for additional security only. If Lender gives notice of breach to Bornower: (a) all rents received by Borrower shall be held by Borrower as trustee for benefit of Lender only, to be applied to the sums secured by the Security Instrument; (b) Lender shall be entitled to collect and receive all of the rents of the Property; and (c) each tenant of the Property shall pay all rents due and unpaid to Lerxler or Lender's agent on Lender's written demand to the tenant. Borrower has not executed any prior assignment of the rents and has not and will not perfornl any act that would prevent Lerxler fmm exercising its rights under this paragraph 17. Lender shall not be required to enter upon, take control o(' or maintain the Property before or alter giving notice of breach tv Bvnvwer. however, Lender or a judicially appointed receiver may do so at any time there is a breach. Any application of rentti shall not cure or waive any default or invalidate any other right or remedy of Lender. This assignment of rents of tlx: 1'ruperiy shall terminate when the debt secmtid by the Security h2stnunent is paid in full. 01)2005212816 Irrlials: VMP'~-4N(N~ ~oao~~.oi Page 6 er a [002005212816] (p of 2008138 18. Foreclosure Procedure. If Lender requires immediate payment in full under paragraph 9, Lender 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 under this paragraph 18, 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 manner prescribed by applicable law to Borrower and to the other persons prescribed by applicable law. After the time required by applicable law, 't'rustee 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. 't'rustee may postpone sale of all or any parcel 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. If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires immediate payment in full under Paragraph 9, the Secretary may invoke the nonjudicial power of sale provided in the Single Tamily Mortgage Foreclosure Act of 1994 ("Act") (12 U.S.C. 3751 et seq.) by requesting a foreclosure commissioner designated under the Act to commence foreclosure and to sell the Property as provided in the Act. Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise available to a Lender under this Paragraph 18 or applicable law. Upon receipt of payment of the price bid, Trustee shall deliver to the purchaser 't'rustee's deed conveying the Property. 't'he recitals in the 't'rustee's decd 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, not to exceed 5 ~/o of the principal amount of the note at the time of the declaration of default, and reasonable attorneys' fees as permitted by law; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 19. Reconveyance. Llpon payment of all sums secured by this Security Instrument, Lender shall request Trustee to reconvey the Properly and shall surrender this Security Instvment and all notes evidencing debt secured by this Security Instnm~ent to Tn~.stee. Tn~stee shall reconvey the Property without warranty and without charge to the person or persons legally entitled to it. Such person or persons shall pay any recoixla6on costs. 20. Substitute Trustee. Lender, at its option, may from time to time remove Trustee and appoint a successor trustee to any 't'rustee appointed hereunder by an instrument recorded in the county in which this Security Instnnnent 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. 21. Request for Notices. Borrower requests that copies of the notices of default and sale be sent to Borrower's address which is the Property Address. 22. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instunrent as if the rider(s) were a part of this Security Irrstvment (Check applicable box(es)). II~~ ~~~~~ Cundonriniunr Rider ~ Growing F,quity hider -r~vaser s fpj° 3rtreriale~_ Planned Unit Development Rider ~ Grrdrurted Payment Rider 0021105212816 ~~~~ C~~~ C~ ~~- iriuais: VMP~-4N(Nt7 ~oam~.oi Paye ~ at s [002005212816] ~ of~ 2008138 BY S.IGNINC~ BELOW, Borrower accepts and agrees to the terniS contained in this Security Imtnunent and in any rider(s) executed by Boxmwer and recorded with it Witnesses: ~ / ~l'~ ~ ~ l_.Ci'r~.Q/Z/1-~71 C~~~ ~~ .t~ JL~~~i.~G1.~``,{Seal) -Borrower AN'1'J>•. S. ANllERSON (Sign Original Only) STATE OT NL+'BRASKA, ) /7~1~/7~ ~ County ss: The foregoing ir>stnunent was acknowledged before me this ~ ! day of ~/(~~,I^C`~ , ~~~ ~ , by A-i~~'~ R . ~1->'~c,!er~o~l a~'et ~-n~ ~ S . q-~1d ~ f^~5o1 t ELAINE L. STEINBECK General Notary State of Nebraska My Commisslon Expires Aug 16, 2009 CX.CZ t~-~- ~ ~ ~c.r~~U1 ~'Cd~,,~ Nolaq~ Public 0020(15212816 VMP®-4N(N~ loao~l.oi My Conunission Expires: ~-~(o ~~ Page 8 of 8 [002005212816] ~0~~/