HomeMy WebLinkAbout20080348NUM PGS
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DEFINITIONS
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DEED OF TRUST
ADAMS COUNTY, NE
FILED
INST. No ~ 4 8
Date,1~B Og Time ~: 3
~~~~'
REGISTER OF DEEDS
Words used iu multiple sections of this docuuieut are defined below and other words are defined iu Sections 3, 11, 13, 18, 20
and 21. Certain rules regarding the usage of words used iu this docuuteut are also provided iu Section 16.
(A) "Security Instrument" means this document, which is dated ........................ 0): ~8; ~OOQ, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , together
with ali Riders to this docwneut.
(B) "Borrower" is .R4R~RT.L•.TN.4N(AS,ASING4~.?~RS4N ..............................................................................................
......................................................................................................................................................... .
Borrower is the trustor under this Security Instrument.
(C) "Lender" is BANK OFpONIPIiAN ................................................................................................................. .
Leader is a .GOR?QRATIQN ........................................................................................... er
organized and existing and
Ute laws of .THIS.TAT.~AFI~~QRASKA,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,Leader's address is .P.P.RRX.2?4rA4N1?HAN,.N~.68.932:427.4......
......................................................................................................................................................... .
Leader is the beneficiary under this Security Iustrutnent.
(D) "Trustee" is BANK OF DONIPHAN, 800 NORTH,BURLINGTON, HASTINGS, NE, 68901
.................................................................... .
(E) "Note" ttteatts the promissory cote signed by Borrower and dated R1:2.8.2.44Q .....................................................The
Note states that Borrower owes Leader SI;-(~N.T.YNINE.TNOUSANp.AN4.NA11A.4 .....................................................................
• • • • ...... • .. • .................................... Dollars (U . S . $ .7.9x000;00, , , , , , , , , , , , , , , , , , , , , , plus interest. Borrower has promised to
..)
pay this debt iu regular Periodic Paytneuts and to pay the debt in full not later than ..................... AA-2:e.-2AQ9.....................
........................................................................................................................................................ .
(F) "Property" means the property that is described below under the heading "Transfer of Rights iu 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 scans due under this Security Instrutneut, plus interest.
(H) "Riders" means all Riders to this Security Instrutneut that are executed by Borrower. The following Riders are to be
executed by Borrower [check box as applicable]:
^ Adjustable Rate Rider ^ Coudomiuiwn Rider ^ Second Honte Rider
^ Balloon Rider ^ Planned Unit Development Rider ^ Other(s) [specify] .......................
^ 1-4 Family Rider ^ Biweekly Payment Rider
(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordittauces and
adtttittistrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions.
(~ "Community Association Dues, Fees, and Assessments" tneaus all dues, fees, assesstneuts and other charges that are
imposed on Borrower or the Property by a coudotnittimtt association, honteowuers association or snnilar organization.
(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar
paper instrument, which is initiated through an electronic terminal, telephonic iustrutneut, computer, or magnetic tape so as to
order, instruct, or authorize a financial ittstitutiou to debit or credit au account. Such tern includes, but is not 1uttited 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 iu Section 3.
(M) "Miscellaneous Proceeds" means any compensation, settlement, award of datmages, or proceeds paid by any third party
(other tltau insurance proceeds paid under the coverages described iu 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 ontissious as to, the value and/or condition of the Property.
(N) "Mortgage Insurance" nteaus insurance protecting Lender against the nonpayment of, or default on, the Loau.
(O) "Periodic Payment" ttteatts the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any
atnouttts 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 unplemeutiug regulation,
Regulation X (24 C.F.R. Part 3500), as they might be amended from tune to tune, or any additional or successor legislation or
regulation that governs the same subject matter. As used iu this Security Instrument, "RESPA" refers to all requirements and
restrictions that are imposed itt regard to a "federally related mortgage 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
assumed Borrower's obligations under the Note and/or this Security Instrument.
NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
Bankers Systems, Inc., St. Cloud, MN Form MD-1-NE 8!17/2000
ret: t /zoo t (pnge 1 of 7 pzges)
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20080348
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instruient secures to Lender: (i) the repaymient of the Loan, and all renewals, extensions and modifications of
the Note; aiid (ii) the performiauce of Borrower's covenants and agreements under this Security Iustruineut and the Note. For
this purpose, Borrower irrevocably grants and conveys to Trustee, iu trust, with power of sale, the following described
property located in the ......................................................ADAMS &AUNTY....................................................... of
[Type of Recording Jurisdiction]
. f~~GIST~R P.F P.~~4S ......................................................................... .
[Name of Recording Jurisdiction]
LOT SIX (6), BLOCK THREE 13-, EASTRIDGE ADDITION TO THE CITY OF HASTINGS, ADAMS COUNTY, NEBRASKA, ACCORDING TO THE RECORDED PLAT THEREOF
which currently has the address of ..............................................303,N,ORTIi3RDAVE,, ,,,,,,,,,,,,,,,,,,,......,,.,,,.....,.,,..,.
[street]
,,,,,,,,,,,,,,,,,,,,,,,,,,,,HASTINGS,,,,,,,,,, .,, Nebraska 6 8Gl (P p y Address")
............ ..... ............. ...8. .......,............. ro art
[City] • . ~ . [Zip Code] "
TOGETHER WITH all the hnprovements 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
Instruient. All of the foregoing is referred to iu 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 uuenctunbered, except for eucuuibrauces of record. Borrower warrants and
will defend generally the title to the Property against all clahms and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and uou-uniform covenants with limited
variations by jurisdiction to constitute a uuiforti security instrument covering real property.
UNIFORM COVENANTS. Borrower and Leader 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 Iustrtunent shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment
under the 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, back check, treasurer's check or cashier's check, provided any sucH
check is drawn upon au iiistitutiou whose deposits are insured by a federal agency, instrtumeutality, or entity; or (d) Electronic
Funds Transfer.
Payments are deemed received by Leader when received at the location designated iu the Note or at sucH other location
as may be designated by Lender in accordance with the notice provisiois in Section 15. Lender may return any payment or
partial payment if the payment or partial payments are insufficient to bring the Loau current. Lauder may accept any payment
or partial payment itisufficieut to bring the Loau current, without waiver of any rights Hereunder or prejudice to its rights to
refuse such payment or partial payments iu the future, but Leader is not obligated to apply sucH payments at the three sucH
payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lauder aced not pay interest on
uuapplied funds. Leader may Hold sucH utiapplied funds until Borrower makes payment to bring the Loan current. If Borrower
does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not
applied earlier, sucH funds will be applied to the outstanding principal balance under the Note nninediatety prior to foreclosure.
No offset or claim which Borrower miglu have now or iu the future against Leader shall relieve Borrower from making
payments due under the Note and this Security Instrutment or performing the covenants and agreements secured by this Security
Ltstrmnent.
2. Application of Payments or Proceeds. Except as otherwise described iu this Section 2, all payments accepted. and
applied by Lender shall be applied lit 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 iu the order iu whicH it
became due. Any remaining auiouuts shall be applied first to late charges, second to any other auiouuts due under this Security
Instrument, and then to reduce the principal balance of the Note.
If Lender receives a payment from Borrower for a deliuqueut Periodic Payment which includes a sufficient amount to
pay any late charge due, the payment may be applied to the deliuqueut 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 eau be paid in full To the extent that any excess exists after the payiuent 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. Funds for Escrow Items. Borrower shall pay to Lender oil 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 atnounts due for: (a) taxes and assessments and other
items which can attain priority over this Security Instrument as a lieu or eucmmbrauce on the Property; (b) leasehold payments
or ground rents on the Property, if any; (c) premiums for any and all iusuranr~e required by Lender under Section 5; and (d)
Mortgage Insurance premiums, if any, or any sutns payable by Borrower to Leader iu lieu of the payment of Mortgage
Insurance premiums in accordance wi[H the provisions of Section 10. THese items are called "Escrow Items." At origination or
at any time during the tern of the Loau, Lender may require that Cottununity Association Dues, Fees, and Assessments, if any,
be escrowed by Borrower, and sucH dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to
Leader all notices of amounts to be paid under this Section. Borrower shall pay Lauder the Funds for Escrow Items unless
Leader waives Borrower's obligation to pay the Funds for any or all Escrow Items. Leader may waive Borrower's obligation
to day to Lender Funds for auY or all Escrow Items at any time. Any sucH waiver may only be iu writing. Iu,the. event of sucH
waiver, Borrower shall pay directly, when and where payable, the atnounts due for any Escrow Items for which ~ payment of
Funds Has been waived by Lender and, if Lender requires, shall furuisH to Lender receipts evidencing sucH payment .within.
such tune period as Lender may require. Borrower's obligation to make such payments and ap -provide receipts sliall for all's
purposes be deemed to be a covenant and a~reentent contained in'this Security' Iustrwmeut, as tie phrase "covenant and
agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, purst~agt to~°a•waiver; ~~p~.-Ba~rcrwer
* a.
NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01
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Bankers Systems, Inc„ St. Cloud, MN Form MD-1-NE 8/17/2000 (pizge 2 of`7pages)" '
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fails to pay the autount due for au Escrow Item, Louder may exercise its rights under Section 9 and pay such atnouut and
Borrower shall then be obligated under Section 9 to repay to Leader arty such amount. Lender may revoke the waiver as to any
or all Escrow Items at any time by a notice given iu accordance with Section 15 and, upon such revocation, Borrower shall pay
to Leader all Funds; and iu such amounts, that are then required under this Section 3.
Lender mtay, at any tune, collect and hold Funds in au autouut (a) sufficient to permit Lender to apply the Funds at the
tune specified under RESPA, and (b) ~uot to exceed the maxumutn amount a leader eau require under RESPA. Lender shall
estiinate the amount of Funds due ou the basis of current data and reasonable estiiuates of expenditures of future Escrow Itetms
or otherwise in accordance with Applicable Law.
The Funds shall be held in an institution whose deposits are insured by a federal agency, iustrmnentality, or entity
(including Louder, if Lender is au institution whose deposits are so insured) or iu any Federal Home Loau Bank. Leader shall
apply the Funds to pay the Escrow Iteuts uo later than the tune specified under RESPA. Lender shall not charge Borrower for
holding and applying the Funds, annually attalyziug the escrow account, or verifying the Escrow Items, unless Louder pays
Borrower interest ou the Funds and Applicable Law permits Louder to make such a charge. Unless au agreement is made in
writing or Applicable Law requires interest to be paid ou the Funds, Lender shall not be required to pay Borrower any interest
or earuiugs ott the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid ou the Funds. Leader
shall give to Borrower, without charge, alt attuual accounting of the Funds as required by 12ESPA.
If there is a surplus of Funds held itt escrow, as defined under RESPA, Lender shall account to Borrower for the excess
funds iu accordance with 12ESPA. If there is a shortage of Funds held iu escrow, as defined under RESPA, Leader shall notify
Borrower as required by RESPA, and Borrower shall pay to Louder the amount necessary to make up the shortage in
accordance with RESPA, but iu uo more than 12 tmouthly payments. If there is a deficiency of Funds held iu escrow, as
defined under RESPA, Leader shall notify Borrower as required by ItESPA, and Borrower shall pay to Leader the amount
necessary to make up the deficiency iu accordance with RESPA, but in uo more than 12 ntouthly payments.
Upon payment iu full of all sums secured by this Security Instrument, Leader 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 Iustruutent, leasehold payments or ground rents ou the Property, if any,
and Couunuuity Association Dues, Fees, and Assesstmeuts, if any. To the extent that these items are Escrow Items, Borrower
shall pay them in the miatttter provided in Section 3.
Borrower shall promptly discharge arty lien which Itas priority over this Security Iustrwneut unless Borrower; (a) agrees
iu writing to the payment of the obligation secured by the lien iu a mauuer acceptable to Louder, but Duly so long as Borrower
is perforniug such agreement; (b) contests the lien iu good faith by, or defends against enforcement of the lieu in, legal
proceedings which in Lender's opinion operate to prevent the ettforcentent of the lieu while those proceedings are pending, but
only until such proceedings are concluded; or (c) secures from the holder of the lieu au agreenteut satisfactory to Leader
subordinating the lien to this Security Instrument. If Lender deterniues that any part of the Property is subject to a lieu which
eau attain priority over this Security Instrmnent, Lender 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 itt this
Section 4.
Lender may require Borrower to pay a Due-tune charge for a real estate tax verification and/or reporting service used by
Leader iu connection with this Loan.
5. Property Insurance. Borrower shall keep the itttprovemeuts now existing or hereafter erected ou the Property
insured against loss by fire, hazards included within the tern "extended coverage," and any other hazards including, but not
lumited to, earthquakes and floods, for which Louder requires iusurauce. This msurauce shall be maintained in the amounts
(iitcludittg deductible levels) attd for the periods that Leader requires. What Lender requires pursuant to the preceding
sentences eau change during the tern of the Loau. The insurance carrier providing the iusurauce shall be chosen by Borrower
subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Leader may
require Borrower to pay, in couuectton with this Loau, either, (a) a Due-tune charge for flood zone determination, certification
and tracking services; or (b) a Due-tune charge for flood zone deternittatiou and certification services and subsequent charges
each tune rentappiugs or similar changes occur which reasonably Wright affect such determination or certification. Borrower
shall also be responsible for the payment of any fees unposed by the Federal Emergency Management Agency iu connection
with the review of any flood zone deternittatiou resulting from an objection by Borrower.
If Borrower fails to maintain any of the coverages described above, Louder may obtain iusurauce coverage, at Lender's
option attd Borrower's expense. Lender is under tto obligation to purchase any particular type or uttouttt of coverage.
Therefore, such coverage shall cover Lender, but might or tiiight 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 itt effect. Borrower acknowledges that the cost of the iusurauce coverage so obtained might sigttificautly exceed the
cost of insurance that Borrower could have obtained. Auy atnouuts disbursed by Leader under this Section 5 shall become
additional debt of Borrower secured by this Security Instrument. These atnouuts shall bear interest at the Note rate front the
date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment.
Ali insurance 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 uatme Leader as mortgagee and/or as an additional loss payee.
Leader shall have the right to hold the policies and renewal certificates. If Louder requires, Borrower shall promptly give to
Louder all receipts of paid premiums and renewal notices. If Borrower obtains any forn 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 name Leader 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. Louder Wray make proof of
loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree iu writing, any insurance proceeds,
whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the
restoration or repair is ecouoittically feasible attd Lender's security is not lessened. During such repair and restoration period,
Louder shall have the 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 may disburse proceeds for the repairs and restoration iu a single payment or iu a series of progress payments as the
work is completed. Unless an agreement is made iu writing or Applicable Law ,requires interest to be paid ou such insurance
proceeds, Lender shall itot be required to pay Borrower any interest or earuiugs ou such proceeds. Fees for public adjusters, or
other third parties, retained by Borrower shall trot be paid out of the iusurauce proceeds and shall be the sole obligation of
Borrower. If the restoration or repair is trot ecouotttically feasible or Lender's security would be lessened, the iusurauce
proceeds shall be applied to the Bunts secured by this Security Iustrutnent, whether or not then due, with the excess, if any,
paid to Borrower. Suclt insurance proceeds shall be applied itt the order provided for iu Section 2.
If Borrower abandons the Property, Leader Wray file, negotiate and settle any available iusurauce claun and related
matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a
claum, thou Lender Wray negotiate and settle the claim. The 30-day period will begin when the notice is given. Iu either event,
or if Lender acquires the 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 amounts unpaid under the Note or this Security Instrument, and (b) any
other of Borrower's rights (other than the right to any refund of unearned premiumis paid by Borrower) under all iusurauce
policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Louder utay use the
utsurauce proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Iustrmneut,
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 Instrument and shall continue to occupy the Property as Borrower's principal residence for
at least Due year after the date of occupancy, utiless Leader otherwise agrees iu writing, which consent shall not be
uureasottably withheld, or unless extenuating circumstances exist which are beyond Borrower's control.
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 3 of 7peiges)
1 i
I Y t _ ~
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20080348
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or
nttpair the Property, allow the Property to deteriorate or cortmnit waste ou the Property. Whether or not Borrower is residing in
the Property, Borrower shall ntaiutaiu the Property iu 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 tiie Property if damaged to avoid further deterioration or damage. If insurance or
coudentnatiou proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for
repairing or restoring the Property only if Leader has released proceeds for such purposes. Leader may disburse proceeds for
the repairs and restoration iu a single payment or iu a series of progress payments 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.
Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause,
Lender may inspect the interior of the unprovemeuts ou the Property. Lender shall give Borrower notice at the tune of or prior
to such au interior inspection specifying such reasonable cause.
8. Borrower's Loan Application. Borrower shall be in 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 materially false,
umsleadiug, or inaccurate information or statements to Lender (or failed to provide Leader with material iufornatiou) iu
connection with the Loau. Material representations include, but are not limited to, representations concerning Borrower's
occupancy of the 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 perforu the covenants and agreements contained ru this Security Iustrumeut, (b) there is a legal proceeding that might
significantly affect Lender's interest iu the Property and/or rights under this Security Iustrumeut (such as a proceeding iu
bankruptcy, probate, for condeuutation or forfeiture, for euforceuieut of a lien which tnay attain priority over this Security
Iustrumeut or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for
whatever is reasonable or appropriate to protect Lender's interest iu the Property and rights under this Security Instrument,
iucludittg protecting artd/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions
can include, but are not 1umited to: (a) paying any sutras secured by a lieu which has priority over this Security Iustruuient; (b)
appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this
Security Instrument, including its secured position iu a bankruptcy proceeding. Securing the Property includes, but is not
lnnited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from
pipes, elirmiuate building or other code violations or dangerous conditions, and have utilities turned ou or off. Although Lender
tray 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 uo liability for not taking any or all actions authorized under this Section 9.
Auy atnouuts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this
Security Iustrumeut. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with
such interest, upon notice from Leader to Borrower requesting payment.
If this Security Iustrumeut is ou 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 Insurance. If Lender required Mortgage Iusurauce as a couditiou of making the Loan, Borrower shall
pay the prerniutns required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage
required by Lender ceases to be available front the mortgage insurer that previously provided such insurance and Borrower was
required to make separately designated payments toward the premiwns for Mortgage Iusurauce, Borrower shall pay the
prerttitntts required to obtain coverage substantially equivalent to the Mortgage Iusurauce previously iu effect, at a cost
substantially equivalent to the cost to Borrower of the Mortgage Insurance previously iu effect, front au alternate mortgage
insurer selected by Leader. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to
pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in
effect. Louder will accept, use artd retain these payttteuts as anon-refundable loss reserve iu lieu of Mortgage Insurance. Such
loss reserve shall be wort-refundable, notwitltstandiug the fact that the Loau is ulthnately paid iu full, and Lender shall not be
required to pay Borrower any interest or earuittgs ort such loss reserve. Lender eau tto longer require loss reserve payments if
Mortgage Iusurauce coverage (in the atttourtt and for the period that Louder requires) provided by au insurer selected by Lender
again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage
Iusurauce. If Lender required Mortgage Iusurauce as a couditiou of making the Loan and Borrower was required to make
separately designated payments toward the premiums for Mortgage Iusurauce, Borrower shall pay the premiums required to
maintain Mortgage Insurance in effect, or to provide a uou-refundable loss reserve, until Lender's requirement for Mortgage
Insurance ends iu accordance with any written agreement between Borrower and Lender providing for such ternirtatiou or until
terttittatiott is required by Applicable Law. Nothing iu this Section 10 affects Borrower's obligation to pay interest at the rate
provided in the Note.
Mortgage Insurance reuuburses Leader (or any entity that purchases the Note) for certain losses it may incur if
Borrower does not repay the Loatt as agreed. Borrower is riot a party to the Mortgage Insurance.
Mortgage insurers evaluate their total risk ou all such insurance iu force froth three to time, and may eater into
agreements with other parties that share or modify their risk, or reduce losses. These agreenteuts are ou terns 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 that the mortgage insurer Wray have available (which may
include funds obtained front Mortgage Insurance premiums).
As a result of these agreenteuts, Leader, any purchaser of the Note, another insurer, any reiusurer, any other entity, or
any affiliate of any of the foregoing, ntay receive (directly or indirectly) arnouuts that derive from (or might be characterized
as) a portion of Borrower's payments for Mortgage Iusurauce, in exchange for sharing or modifying the mortgage insurer's
risk, or reducing losses. If such agreetttettt provides that art affiliate of Lender takes a share of insurer's risk in exchange for a
share of the premiums paid to the insurer, the 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
any other terms of the Loart. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance,
and they will Trot entitle Borrower to arty refund.
(b) Any such agreements will not affect the rights Borrower has--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 and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated
automatically, acrd/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 Lender.
If the Property is daruaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the
restoration or repair is ecouortrically feasible attd Lender's security is not lessened. During such repair and restoration period,
Louder shall have the right to hold 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 the work is
completed. Unless au agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous
Proceeds, Louder shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If rite
restoration or repair is not econourrcally feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be
applied to the sums secured by this Security Instrutneut, whether or not then due, with the excess, if any, paid to Borrower.
Such Miscellaneous Proceeds shall be applied iu the order provided for iu Section 2.
Iu the event of a total taking, destruction, or loss iu value of the Property, the Miscellaneous Proceeds shall be applied
to the sums secured by this Security Ltstrumeut, whether or not then due, with the excess, if any, paid to Borrower.
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 4 of 7 pizges)
s;
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2ooso34s
Itt the event of a partial taking, destruction, or loss iu value of the Property iu which the fair tttarket value of the
Property ittmnediately before the partial taking, destruction, or loss iu value is equal to or greater than the atnouut of the scans
secured by this Security Ittstrwtteut hnutediately before the partial taking, destruction, or loss iu value, unless Borrower attd
Leader otherwise agree is writing, the sutras secured by this Security Instruuteut shall be reduced by the amount of the
Miscellaneous Proceeds multiplied by the following fraction: (a) the total autouu[ of the suuts secured hmnediately before the
partial taking, destruction, or loss is value divided by (b) the fair market value of the Property ittnnediately before the partial
taking, destruction, or loss itt value. Auy balance shall be paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property iu which the fair market value of the
Property unntediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured
immtediately 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 Instrwiieut whether or not the sums are then due.
If the Property is abattdotted by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined
in the next sentence) offers to make au award to settle a claim 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 sutras secured by this Security Iustrwneut, whether or not then due. "Opposing Party" means
the third party that owes Borrower Miscellaneous Proceeds or the party against Thom Borrower has a right of action in regard
to Miscellaneous Proceeds.
Borrower shall 6e iu default if any action or proceeding, whether civil or crnninal, is begun that, is Lender's judgment,
could result iu forfeiture of the Property or other tttaterial itnpairneut of Lender's interest is the Property or rights under this
Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided is Section 19, by
causing the action or proceeding to be dismissed with a ruling that, iu Lender's judgment, precludes forfeiture of the Property
or other material umpairmeat of Lender's interest iu the Property or rights under this Security Iustrumeut. The proceeds of any
award or claim for damages that are attributable to the unpairnteut of Lender's interest iu the Property are hereby assigned and
shall be paid to Leader.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order
provided for iu Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the tune for payment or
modification of amortization of the sums secured by this Security Iustrumeut granted by Lender to Borrower or any Successor
itt Interest of Borrower shall trot operate to release the liability of Borrower or any Successors iu Interest of Borrower. Leader
shall not be required to cotttttteuce proceedings against arty Successor is Interest of Borrower or to refuse to extend tune for
payment or otherwise modify amortization of the sutras secured by this Security Iustrwneut by reason of any demand made by
tite original Borrower or any Successors iu Interest of Borrower. Arty forbearance by Lender iu exercising any right or remedy
iucludiug, without 1unilation, Lender's acceptance of payments from third persons, entities or Successors iu Interest of
Borrower or in amounts less than the amount 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 coveuattts attd agrees that
Borrower's obligations attd liability shall be joint attd several. However, any Borrower who co-signs this Security Iustrwneut
but does not execute the Note (a "co-signer"): (a) is co-signing this Security Iustrumeut only to mortgage, grant and convey the
co-signer's interest iu the Property under the teens of this Security Iustrumeut; (b) is not personally obligated to pay the scans
secured by this Security Iustrumeut; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or
make any accommmodatious with regard to the teens of this Security Iustrumeut or the Note without the co-signer's consent.
Subject to the provisions of Section 18, any Successor itt Interest of Borrower who assumes Borrower's obligations
under this Security Iustrwneut in writing, and is approved by Leader, shall obtain ali of Borrower's rights and benefits under
this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security
Iustrwment utiless Lender agrees to such release in writing. The covenants and agreetmeats of this Security Iustrumeut shall bind
(except as provided is Section 20) and benefit the successors attd assigns of Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed is connection with Borrower's default,
for the purpose of protecting Lender's interest is the Property and rights under this Security Iustrumeut, iucludiug, but not
limited to, attorneys' fees, property inspection and valuation fees. Iu regard to any other fees, the absence of express authority
itt this Security Ittstrwnettt to charge a specific fee to Borrower shall not be construed as a prohibition ou the charging of such
fee. Leader may not charge fees that are expressly prohibited by this Security Iustrwneut or by Applicable Law.
If the Loau is subject to a law which sets maxunwm loan charges, and that law is finally interpreted so that the interest
or other Loau charges collected or to be collected in connection with the Loau exceed the permitted !units, then: (a) any such
loan charge shall be reduced by the amount accessary to reduce the charge to the permitted limit; and (b) any sutras already
collected from Borrower which exceeded permitted 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 wider the Note). Borrower's acceptance of any such refund made by direct paynteut 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 Iustrwneut must be is writing.
Auy notice to Borrower iu connection with this Security Iustrwneut shall be deemed to have been given to Borrower when
mailed by first class mail or when actually delivered to Borrower's notice address if seat by other means. Notice to any one
Borrower shall constitute notice to all Borrowers utiless Applicable Law expressly requires otherwise. The notice address shall
be the Property Address utiless Borrower has designated a substitute notice address by notice to Leader. Borrower shall
promptly notify Leader of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of
address, theft Borrower shall otily report a change of address through that specified procedure. There tttay be only one
designated notice address under this Security Iustrwneut at any one tune. Auy notice to Leader shall be given by delivering it
or by mailing it by first class mail to Lender's address stated herein utiless Lender has designated another address by notice to
Borrower. Any notice in connection with this Security Iustrwneut shall not be deemed to have been given to Leader until
actually received by Lender. If any notice required by this Security Iustrumeut is also required under Applicable Law, the
Applicable Law requirement will satisfy the corresponding requirement under this Security Iustrwneut.
16. Governing Law; Severability; Rules of Construction. This Security Iustrwneut shall be governed by federal law
and the law of the jurisdiction iu which the Property is located. All rights and obligations contained is this Security Instrument
are subject to any requirements and lintitatious of Applicable Law. Applicable Law Wright explicitly or hnplicitly allow the
parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreetmeut by
contract. Iu the event that any provision or clause of this Security Instrwueut or the Note conflicts with Applicable Law, such
conflict shall not affect other provisions of this Security Iustrwneut or the Note which eau be given effect without the
conflicting provision.
As used iu this Security Instruuteut: (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) the
word "tray" 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 this Security Instrument.
18. Transfer of the Property or a Beneficial Interest in Borrower. As used Ill this Section 18, "Interest iu the
Property" means any legal or beneficial interest in the Property, including, but not !united 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 iu the Property is sold pr 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 may require
immediate payment in full of all scans 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 Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01
Bankers Systems, Inc., St. Cloud, MN Form MD-1-NE 8/17!2000
(Page 5 of 7 pages)
,~bb r1
20080348
If Leader 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 in accordance with Section 15 within which Borrower tuust pay all stuns
secured by this Security Instrwneut. If Borrower fails to pay these sums prior to the expiration of this period, Leuder may
invoke any remedies permitted by this Security htstrutment without further notice or demand ou Borrower.
19. Borrower's Right to Rel<nstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the
right to have enforcement of this Security Iustrutnent discontinued at any tune prior to the earliest of: (a) five days before sale
of the Property pursuant to any power of sale contained itt this Security Iustrwtteut; (b) such other period as Applicable Law
might specify for the termittatiou of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument.
Those conditions are that Borrower: (a) pays Leader all sums which then would be due under this Security Iustrmteut and the
Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses
incurred in enforcing this Security Iustrumeut, iucludiug, but not lumited to, reasonable attorneys' fees, property inspection and
valuation fees, and other fees incurred for the purpose of protecting Leader's interest in the Property and rights under this
Security Iustrumeut; and (d) takes such action as Leader may reasonably require to assure that Lender's interest in the Property
and rights under this Security Iustruuiettt, attd Borrower's obligation to pay the sums secured by this Security Iustrwmeut, shall
continue unchanged. Leuder may require that Borrower pay such reinstatement sums and expenses in one or more of the
following forms, 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 are insured by a federal agency,
instrumentality or entity; or (d) Electronic Funds Transfer. Upon reiustatetneut by Borrower, this Security Iustrumeut and
obligations secured hereby shall remain fully effective as if uo acceleration had occurred. However, this right to reinstate shall
not apply iu the case of acceleration under Section 18.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest itt the Note (together
with this Security Instrumment) 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 the Note and this Security Iustrumeut
and performs other mortgage loan servicing obligations under the Note, this Security Iustrtunent, and Applicable Law. There
also might be one or more changes of the Loatt 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 ttume and address of the new Loau Servicer,
the address to which payments should be made and any other information RESPA requires iu connection with a notice of
transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loau Servicer other than the purchaser of the
Note, the mortgage loan servicing obligations to Borrower will remain with the Loau Servicer or be transferred to a successor
Loau Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser.
Neither Borrower nor Leuder may comuneuce, join, or be joined to any judicial action (as either au individual litigant or
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 any duty owed by reason of, this Security Instrumment, until such Borrower or
Lender has notified the other party (with such notice given iu compliance with the requirements of Section 15) of such alleged
breach attd afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If
Applicable Law provides a tune period which must elapse before certain action can be taken, that tune 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 attd the notice of acceleration given to Borrower pursuant to Section 18 shall be deemmed to satisfy the notice and
opportunity to take corrective action provisions of this Section 20.
21. hazardous Substances. As used iu this Section 21: (a) "Hazardous Substances" are those substances defined as
toxic or hazardous substances, pollutants, or wastes by Euviromnental Law and the following substances: gasoline, kerosene,
other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or
formaldehyde, and radioactive materials; (b) "Enviromneutal Law" means federal laws and laws of the jurisdiction where the
Property is located that relate to health, safety or enviromnental protection; (c) "Euviromnental Cleanup" includes any response
action, remedial action, or removal action, as defined iu Euviromnental Law; and (d) au "Envirouuteutal Condition" means a
condition that eau cause, contribute to, or otherwise trigger au Enviromneutal Cleanup.
Borrower sltall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or
threaten to release any Hazardous Substances, ou or itt the Property. Borrower shall not do, nor allow anyone else to do,
anything affecting the Property (a) that is in violation of any Enviromneutal Law, (b) which creates au Enviromneutal
Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely
affects the value of the Property. 'I'lte preceding two sentences shall not apply to the presence, use, or storage on the Property
of smtall quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to
ntaiutettauce of the Property (iucludiug, but not limited to, hazardous substances iu consumer products).
Borrower shall promptly give Lender written notice of (a) any investigation, claun, demand, lawsuit or other action by
any govertumental or regulatory agency or private party involving the Property and any Hazardous Substance or Euviromnental
Law of which Borrower has actual knowledge, (b) any Environmental Condition, iucludiug but not lnnited to, any spilling,
leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use
or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by arty
governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance
affecting the Property is necessary, Borrower shall promptly take all accessary remedial actions iu accordance with
Envirommeutal Law. Nothing herein shall create any obligation ou Leuder for au Enviromneutal Cleanup.
NON-UNIFORM COVENANTS. Borrower acid Leader further covettaut 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 right 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 may 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 sltall 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, 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 itt otre or more parcels and in any order Trustee determines. Trustee may postpone sale of all or arty parcel
of the Property by public announcement at the time attd place of any previously scheduled sale. Lender or its designee
may purchase the Property at any sale.
Uporr 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 exetcisitrg 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 Instrument; and (c) any excess to the person or
persons legally entitled to it.
NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT Form 3028 1/01
Bankers Systems, Inc., St. Cloud, MN Form MD-1-NE 8/17/2000
(Rzge 6 of 7 pages)
d:
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20080348
23. Reconveyance. Upon payment of all scans secured by this Security Instrument, Lender shall request Trustee to
recouvey the Property and shall surrender this Security Instrument and all notes evidencing debt secured by this Security
Iustrutneat to Trustee. Trustee shall recouvey the Property without warranty to the person or persons legally entitled to it.
Such person or persorrs shall pay any recordation costs. Lender may charge such person or persons a fee for recouveyiug the
Property, but oily if the fee is paid to a third party (such as the Trustee) for services rendered and the charging of the fee is
permitted under Applicable Law.
24. Substitute Trustee.' Leader, at its option, may from time to tune remove Trustee and appoint a successor trustee to
any Trustee appointed hereunder by an iustrmnent recorded iu 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 teens and covenants contained iu this Security Instruuteut
and is any Rider executed by Borrower and recorded with it.
~~~~~.!:.. " ........................................................ (Seal)
ROBERT L. THOMAS -Borrower
...................................................................... (Seal)
-Borrower
[Space Below This Line For Acknowledgment]
STATE OF NEBRASKA ~~~~,~~
County of ....................................
..........
The foregoing instrmneut was acknowledged before me this .0 t; 28.2008 .. . .. . . ... . . . ............... . . . .. . ......... . .... . ... . ....... .
.(d te) by 9413E:HT ~.• THOMAS A S~NGG~ P~RSQN .
.................................. a .. .. , .. .. ......................... .. - .................. .
................................................................... ......:.................( ne of ersou ack 6w d).
My Conunissiou expires:
........... ........... .......... .. ....C~~ .~~..........
Notary Publ
GENERAL NOTARY Stato of Nebraska
MICHAEL L. BONIFAS
Mp Comm. Exp. Apri114, 2011
NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
Bankers Systems, Inc., St. Cloud, MN Form MD-1-NE B/17/2000 Form 3028 1/01 (Page 7of 7priges)
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