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20080804
~~ ~S 7 DOC TAX CK~.,_..,_._ FEES S~So P~ ~'SSo CK;I~.~.a2Sc~+ CHG ACCTS __,_..~ RET FEE,SqS: ~'~~ CASH~R.0.0. CK#F /j'1 ` RECD d~.Q~LZ~~1~•f9`ldY~ RETURN ~ ~ ~ ~ ,tZ ~~~;~ dE' GfJ 9oZ Illll~llllll!~IIIYlllldkl~ll~ t~~CM Jf ~ast~j4•.~a~ olLfs'S,~G ~D. COMP ~ io ~~~ COMPARE ~ ~ ~;ADAS AO '~ ADAMS COUNTY, NE FILED INST. NO.~ 8 O ~ Date ~•3-b8_Time ~'i~.1~ ~~~~ ~~~ REGISTER OF DEEDS [Space Above This Line For Recording Data] DEED OF TRUST DEFINITIONS Words used iu multiple sections of this docwttettt 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 document are also provided iu Section 16. (A) "Security Instrument" means this docwneut, which is dated ........................ Q2: ~3; ~DO$, , , , , , , , , , , .. , , . , , , , , . , , , .... , together with all Riders to this docwneut. (B) "Borrower" is :!QRA~S•.MARTIN.~~ANP.CUZ~~E.N?.CAMP.QSrHIl~AANAANP.WlF.1 ................................................................... Borrower is the trustor under this Security Instrwneut. (C) "Lender" is BAjVK OFpONIPHAN ...............:.............. ......... .................................................................. . Leader is a .GPR?QRATlON...... • .................................................................................... orgattved and existing under the laws of .THE SJ,AT,~ p.F, N~$RASKA .........................................Leader's address is . P. P.RAX.2?4. AQNIPHAN, NC. B8$32:4~1.4...... .......................................................................................................................................................... . Lender is the beneficiary under this Security Instrument. (D) "Trustee" is BANK OFDONIPHAN,800,NORTH,BURLINGTON,HASTINGS,NE,68901,,,,,,,•,.•,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, , (E) "Note" means the promissory note signed by Borrower and dated A.2-z3.2,OQ~, , , ; , , , , , , , ,, , , , , , , , , , , , , , , , , , , , ,,,,,,,, , , , , ,,,,,,,,,The Note states that Borrower owes Lender S1XTY.QNE.THQUSANANINEHUKQREA;xIXT.Y.THf1~~ANP.491JAp ............................................. .................................................. Dollars (U . S . $ 81,963;48,., ; , , , , , , , , , , , , , , , • • , , , ,) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than ..................... PR-2~: 2A13..................... ........................................................................................................................................................ . (F) "Property" nteaus the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" nteaus the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all suuts due under this Security Instrument, plus interest. (H) "Riders" nteaus all Riders to this Security Instrwneut that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: ^ Adjustable Rate Rider ^ Coudominiuui Rider ^ Second Home Rider ^ Balloon Rider ^ Plauued Unit Developtneut Rider ^ Other(s) [specify] ....................... ^ 1-4 Fautily Rider ^ Biweekly Payment Rider (n "Applicable Law" nteaus 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) "Community Association Dues, Fees, and Assessments" nteaus all dues, fees, assessments and other charges that are iutposed on Borrower or the Property by a condominium association, homeowners association or shuilar organization. (K) "Electronic Funds Transfer" means any transfer of foods, other than a transaction originated by check, draft, or similar paper instrwneut, which is initiated through an electronic tenttiual, telephonic iustrutneut, computer, or utaguetic tape so as to order, instruct, or authorize a fiuattcial institution to debit or credit au account. Such tenu includes, but is not Invited 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) dautage to, or destruction of, the Property; (ii) coudenntatiou or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) ntisrepreseutations of, or omissions as to, the value and/or condition of the Property,. (N) "Mortgage Insurance" means insurance protecting Leader against the nonpayment of, or default. on, the Loau. (O) "Periodic Payment" means the regularly scheduled amowit due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrwneut. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its hnplemeutiug regulation, Regulation X (24 C.F.R. Part 3500), as they Wright be amended from time to Bute, 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 imposed in regard to a "federally related mortgage loan" even if the Loau does not qualify as a "federally related mortgage loan" under RESPA. (Q) "Successor in Interest of Borrower" nteaus any party that has taken title to the Property, whether or not that party has aSswned Borrower's obligations under the Note and/or this Security Instrument. NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT Bankers Systems, Inc., St, Gloud, MN Form MD-1-NE 8/17/2000 ref: 112001 (page 1 of 7 pages) iiriiin ~~ 7 TRANSFER OF RIGHTS IN THE PROPERTY ~ ~ ~ ~ ®~ ~ ~~ This Security Instrument secures to Lender: (i) the repaymeut of the Loau, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located iu tire .....................................................ADAMS COUNTY ...................................................... of [Type of Recording Jurisdiction] RI,GIST~R P.F. P.~~9S ......................................... . ............................... . [Neme of Recording Jurisdiction] LOT SIX A (6A) IN THE REPEAT OF LOTS FIVE (5- AND SIX (6-, BLOCK THIRTY•TWO (32), ST. JOSEPH ADDITION TO THE CITY OF HASTINGS, ADAMS COUNTY, NEB- RASKA,A000RDING TOTHE RECORDED PLAT THEREOF which currently itas the address of ..................................................206.WEST.P.................................................... ]Street! ............................HASTINGS............................., Nebraska ...................6a80J..................... („Property Address") [City] [Zip Coda] TOGETHER WITH all. the improvements now or hereafter erected ou the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Iitstrwnent. 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 unenctuubered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all clanns and demands, subject to any eucmmbrauces of record. THI5 SECURITY INSTRUMENT combines uniforn covenants for national use and uou-uniforn covenants with limited variations by jurisdiction to constitute a uniforn security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest ou, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrutneut shall be made in U.S. currency. However, if any check or other iustruntent received by Lender as payment under the Note or this Security Instrutneut is returned to Leader unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Iitstrutnent be made in one or more of the following forns, as selected by Leader: (a) cash; (bj money order; (c) certified check, back check; treasurer's check or cashier's check, provided any such check is drawn upon au institution whose deposits are insured by a federal agency, instrumentality, 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 provisions in Section 15. Leader may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loau 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 paynteuts in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on uuapplied 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 iuuuediately prior to foreclosure. No offset or claim which Borrower might have now or iu the future against. Leader shall relieve Borrower from. making payments due under the Note and this Security Iustrwneut or perforuiug the covenants and agreements secured by this Security Iustrmneut. 2. Application of Payments ot• Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied iu 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. Auy remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Iitstrwneut, and thou to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient 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, Leader may apply any payment received from Borrower to the repaymeut 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 paynteut 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. iu 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 ou the day Periodic Paynneuts are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of atnouuts due for: (a) taxes and assessments and other items which can attain priority over this Security Iustrutnent as a lieu or eucutnbrance ou the Property; (b) leasehold paynteuts or ground rents on the Property, if any; (c) premiums for any and all insurance required by Leader under Section 5; and (d) Mortgage Insurance prentiurns, if any, or any sums payable by Borrower to Leader iu lieu of the payment of Mortgage Insurance prentiuins iu accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the tern of the Loan, Lender may require that Conunuuity 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 Lender all notices of amounts to be paid under this Section. Borrower shall pay Leader the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender Wray waive Borrower's obligation to pay..S~2_,L~ttde~..i~u~ltcis_fcirauy..».all Escrow Items at any time. Any such waiver Wray only be in writiug.,Iu the eveut,of such waiver, Borrower shall pay directly, when and where payable, the atiiouuts due for any Escrow Items for ~which'paymeut of :.'Filtitl~"ti'~"13~Ii'~aiVe~~;elid'e'P and, if Lender requires, shall furnish to Lender receipts evidencing such` payuteut..,wit~iu ... such. +it~.. ~ :.~n..s:!..as..Lendc>~..ulay..xequire. Borrower's obligation to make such payments and to provide, receipts, shall for all ` `'"purposes be deemed to be a cove~taut and agreement contained in this Security Instrument, as the phrase "covenant and G sa'~r~uii~'"r; is"used~ii`!"fie~~ti~~"9:"7f Borrower is obligated to pay Escrow Items directly, pursuanC'tv`x'wxt'er©>;y;ta,borer t"1 ii ,- . _..........,. N , t.k ~.,...»..,...... 028 1101 NEBRASKA Single Family-Fanni,,,~~„Mae/Freddie Mac UNIFORM INSTRUMENT ~ ~r• t;+~•~•^~• ] ..i~..................] it i.?'i4, - ~ .... r, t,. 4 ` ~ ; Bankers Systems, Inc., St Cloud, MN Form MD-1-NE 8/17/2000 (page 2 of 7pizgesf ~ -~r+~~ ~'- a~ 7 ~oososo~ fails to pay the amount due for au Escrow Item, Lender may exercise its riglrts under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender arty such amount. Lender Wray revoke the waiver as to any or all Escrow Items at any tone by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Leader to apply the Funds at the tune specified under 12I:SPA, and (b) not to exceed the ntaximtutn amouut a leader eau require under I2ESPA. Lender shall estimate the. amount of Funds due ou the basis of current data and reasonable esthnates of expenditures of future Escrow Items or otherwise in accordance with A~tplicable Law. The Funds shall be held m an institution whose deposits are insured by a federal agency, instrumentality, or entity (ittcludittg Lender, if Leader is au ittstitutiou whose deposits are so insured) or iu any Federal Home Loau Bank.. Lender shall apply the Funds to pay the Escrow Items no later than the tune specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, utiless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreenteut is made to 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 Leader can agree iu writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an amoral accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under l2ESPA, Lender shall account to"Borrower for the excess funds in accordance wtth 12ESPA. If there is a shortage of Funds held iu escrow, as defined- under 12ESPA, Leader shall notify Borrower as required by 12ESPA, and Borrower shall pay, to Leader the amount .necessary to make up the shortage in accordance with ItESPA, but in uo 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 1ZESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordauce•with 12ESPA, but in no more than 12 monthly payments. Upott .payment iu 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 eau attain priority over this Security Iustrutneut, leasehold payments or ground rents ou the Property, if any, and Coumnunity 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 arty lien which ltas priority over this Security Ittstrwtteut unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lieu in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien to good faith by, or defends against enforcement of the lieu in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lieu while those proceedings are pending, but otily until such proceedings are concluded; or (c) secures front the holder of the lien an agreement satisfactory to Lender subordinating the lieu to this Security Instrumment. If Leader deternines that any part of the Property is subject to a lieu which eau attain prtority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date ou which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above itt this Section 4. Lender tttay require Borrower to pay aone-tiute charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the nnprovements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the tern "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires- insurance. This insurance shall be maintained iu the atnouuts (including deductible levels) and for the periods that Lender requires. What, Lender requires pursuant to the preceding sentences can change during the term of the Loau. 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, iu connection with this Loau, either: (a) a one-tune charge for flood zone deterniitatiou, certification and tracking services; or (b) a one-time charge for flood zone deterniitation and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall. also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency iu connection with the review of any flood zone deterniitatiou resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may 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, such coverage shall cover Lender, but uiigltt or Wright not protect Borrower, Borrower's equity iu the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously iu effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Iustrutneut. These atnouuts 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. All insurance policies required by Lender aitd renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall itatne Leader as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums 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 name Leader as mortgagee and/or as au additional loss payee. Iu the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in 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 economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such ittsurauce proceeds until Lender has had au opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Uiiless an agreemment is made in writing or Applicable Law ,requires interest to be paid ou such insurance proceeds, Leader 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 shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the utsurance proceeds shall be applied to the sutras secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied iu the 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 front Leader that the insurance carrier has offered to settle a claim, then Leader may 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 Louder (a) Borrower's rights to any insurance proceeds in an amouut not to exceed the atnouuts 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 prentiuins paid by Borrower) under all insurance ~tolicies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the utsurance proceeds either to repair or restore the Property or to pay ainouuts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupauey. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Iustrutuent and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, utiless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT Form 3028 1101 Bankers Systems, Inc., St. Cloud, MN Form MD-1-NE 8/17/2000 (page 3Of 7pages) J~~ 20080804 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or nmpair the Property, allow the Property to deteriorate or couvnit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall tnaiutain the Property in order to prevent the Property from deteriorating or decreasing itt value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not ecouontically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condentuation 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 Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or cottdetvttation 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. Leader 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 intprovemeuts ou the Property. Lender shall give Borrower notice at the 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 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, misleading, or inaccurate infornatiou or statements to Lender (or failed to provide Lender with, material iafornatiou) iu connection with the Loan. Material representations include, but are not invited 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 perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the- Property and/or rights under this Security Instrurneut (such as a proceeding iu bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Iastrwneat 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- SecurRy Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions eau include, but are not limited to: (a) paying any stuns secured by a lieu which has priority over this Security Instrtunent; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest m the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, elhvittate building or other code violations or dangerous conditions, and have uttlrttes turned ou 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 this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Iustrmneat. These amounts shall bear interest at the Note rate from the date of disbursenteut and shall be payable, with such interest, upon notice from Leader to Borrower requesting payment. If this Security Iustrunteut 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 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 premiwns required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously iu effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Iusurauce previously is effect, froth 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. Lender will accept, use and retain these payments as a uou-refundable loss reserve iu lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loau is ultimately paid in full, and Louder shall not be required to pay Borrower any interest or earnings on such loss reserve. Louder eau no longer require loss reserve payments if Mortgage Insurance coverage (iu the amount and for the period that Lender requires) provided by an 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 Insurance as a condition of making the Loau and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premituns required to maintain Mortgage Insurance in effect, or to provide anon-refundable loss reserve, until Lender's requirement for Mortgage Insurance cads in accordance with any written agreement between Borrower and Leader providing for such termination or until ternination 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 reimburses Louder (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Iusurauce. Mortgage insurers evaluate their total risk on all such insurance iu force from three to tune, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements 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 tnQrtgage insurer may have available (which Wray include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reiasurer, any other entity. or any affiliate of any of the foregoing, Wray receive (directly or indirectly) arnouuts that derive from (or aright be characterized as) a portion of Borrower's payments for Mortgage Insurance, iu exchange fir sharing or ntodifyiug the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Leader takes a share of insurer's risk iu exchange for a share of the premiuttts paid to the insurer, the arrangement is often terned "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower Itas agreed to pay for Mortgage Insurance, or any other terms of the Loan. Suclr agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such. agreements will not affect the rights Borrower has--if any--with respect to the Mortgage Insurance under the I~omeowners 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, artd/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 Leader. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right 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. Leader may pay for the repairs and restoration iu a single disbursement or is a series of progress payments as the work is completed. Uiiless an agreement is made in writing or Applicable Law requires interest to be paid ou such Miscellaneous Proceeds, Leader shall not be required to pay Borrower any interest or earnings ou such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if nay, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for iu Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Iustruntent, 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 4of 7pngeSf ~ i` t . • ~ ~, 'T" ~ 7 20080804 In the event of a partial taking, destruction, or loss in value of the Property iu which the fair market value of the Property hmmediately before the partial taking, destructiou, or loss iu value is equal to or greater than the atnouut of the sutras secured by this Security Iustrutnent imm~ediately before the partial taking, destructiou, or loss in value, unless Borrower and Lender otherwise agree in writing, the sutras secured by this Security Iustrumeut shall be reduced by the unount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amtouut of the sutras secured umnediately before the partial taking, destructiou, or loss in value divided by (b) the fair market value of the Property mm~ediately before the partial taking, destructiou, or loss iu value. Any balance shall be paid to Borrower. Iu tlte. event of a partial taking, destructiou, or loss itt value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss iu value is less than the auiouut of the sutras secured immediately before the partial taking, destructiou, or loss in value, unless Borrower and Leader otherwise agree iu writing, the Miscellaneous Proceeds shall be applied to the sutras secured by this Security Instrument whether or not the sums are then due. If the Property. is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined iu the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Leader 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 Iustrumeut, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has aright of action iu regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or crnmiual, is begun that, iu Lender's judgnteut, could result iu forfeiture of the Property or other material impairment of Lender's interest iu the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration. has occurred, reinstate as provided iu Section 19, by causing the action or proceeding to be dismissed with a ruling that; in Lender's- judgment, .precludes forfeiture ~f-the Property or other material impairment of Lender's iuterest.iu the Property or rights under this Security Instrutneut. The proceeds of any award or claim for damages that are attributable to the nnpairneut of Lender's interest in 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 iu the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the tune for payment or modification of atnortizatiou of the stuns secured by this Security Iustrumeut granted by Leader to Borrower or any Successor in Interest of Borrower shall trot operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to comm~ence proceedings against any Successor in Interest of Borrower or to refuse to extend tune for payntettt or otherwise modify atttortizatiott of the sutras secured by this Security Iustrumeut by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Auy forbearance by Leader iu exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors m 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 covettattts attd agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-sighs this Security Iustrumeut but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument Drily to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Iustrumeut; (b) is not personally obligated to pay the sutras secured by this Security Iustrumeut; and (c) agrees that Leader and any other Borrower eau agree to extend, modify, forbear or make any acconmttodations with regard to the teens of this Security Instruttteat or the Note without the co-signer's consent. Subject to tiro provisions of Section 18, any Successor iu Interest of Borrower who assumes Borrower's obligations under this Security Instrtuneut in writing, and is approved by Leader, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument utiless Leader agrees to such release in writing. The covettauts and agreements of this Security Iustruumeut shall bind (except as provided itt Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Louder may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Leader's interest iu the Property attd rights under this Security Iustrumeut, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority iu this Security Iustrumeut 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 Iustrwment or by Applicable Law. If the Loan is subject to a law which sets maxuntum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in counectiou with the Loau exceed the permitted limits, thou: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted lnnit; and (b) any sums 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 under the Note). Borrower's acceptance of any such refund made by direct payment 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 iu writing. Any notice to Borrower iu counectiou with this Security Instrtunent 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 sent by other means. Notice to any one Borrower shall constitute notice to al( Borrowers utiless Applicable Law expressly requires otherwise. The notice address shall be tiro Property Address utiless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Louder of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall Drily report a change of address through that specified procedure. There may be Drily Due designated notice address under this Security Instrument 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 unless Louder has designated another address by notice to Borrower. Any notice in counectiou with this Security Instrutneut shall not be deemed to have been given to Louder until actually received by Lender. If any notice required by this Security Instrwnent is also required under' Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrunteut. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of tiro jurisdiction id which the Property is located. All rights and obligations contained in this Security Iustrumeut are subject to any requiretmeuts and lunitations of Applicable Law. Applicable Law ntigltt explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition agatnst agreement by contract. Iu the event that any provision or clause of this Security Iustrummeut or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrutneut or the Note which can be given effect without the conflicting provision. As used in this Security Instrumeat: (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 "may" 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 Iustrumeut. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest iu the Property" means any legal or beneficial interest in the Property, including, but not lunited to, those beneficial interests transferred iu 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 arty part of tiro Property or any Interest iu tiro 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, Leader may require hmmediate payment in full of all sums secured by this Security Iustrumeut. 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 (jXtge 5 of 7pages) J~ 7 ~oososo~ 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 iu accordance with Section 15 within which Borrower must pay all sums secured by this Security Iustrumeut. If Borrower fails to pay these sutras prior to the 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 the right to have enforcement of this Security Instrwnent discontinued at any tune prior to the earliest of: (a) five days before sale of the Property pursuant to arty power of sale contained iu this Security Ittstrutmeut; (b) such other period as Applicable Law might specify for the terninatiou of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which thou would be due under this Security htstrutnent and the Note as if uo acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred iu enforcing this Security Instruument, including, but not lnnited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest iu the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to .assure that Lender's interest iu the Property and rights under this Security Instrument, and Borrower's obligation to pay the stuns secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reiustatenteut stuns and expenses 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 an institution whose deposits are insured by a federal agency, iustruuieutality 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 the case of acceleration under Section 18. 20. 5aie of Note; Change of Loan Servicer; Notice of Grievance. The Nate or a partial interest in the Note (together with this Security Instrmment) eau be sold one or more times without prior notice to Borrower. A sale might result in a change iu the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Iustrumeut and performs other mortgage loan servicing obligations under the Note, this Security Iustrumeut, and Applicable Law. There also might be one or more changes of the Loau 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 cltauge which will state the name and address of the new Loau Servicer, the address to which payments should be made and any other iuforttatiou RESPA requires in couttectiou with a notice of transfer of servicing. If the Note is sold and thereafter the Loau is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the 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 Wray comm~euce, joie, or be joined to any judicial action (as either an 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 Instrument, until such Borrower or Lender has notified the other parry (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after t(te giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action eau 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 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used iu this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Enviromneutal Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or fornaldehyde, 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 environmental protection; (c) "Enviromneutal Cleanup" includes any response action, remedial action, or removal action, as defined in Envirotmtental Law; and (d) au "Envirottnteutal Condition" means a condition that can cause, contribute to, or otherwise trigger an Enviromneutal Cleanup. Borrower shall not cause or pernit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or iu 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. The preceding two seutettces shall trot apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to uornal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances iu consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any govermneutal or regulatory agency or private party involving the Property and any Hazardous Substance or Enviromneutal Law of which Borrower has actual knowledge, (b) any Enviromneutal Condition, including but not Invited to, any spilling, leaking, discharge, release or threat of release of airy Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance wlticlt adversely affects the value of the Property. If Borrower learns, or is notified by arty govermneutal 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 Enviromneutal Law. Nothing herein shall create any obligation on Leader for au Enviromneutal 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, trot less titan 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 t}te Property. The notice shall further inform Borrower of the right to reinstate after acceleration attd 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 ott 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 Instrutnettt without further demand attd may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If the power of sale is invoked, Trustee shall 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 outer persons prescribed by Applicable Law. After the time required by Applicable Law, Trustee shall give public notice of sale to the persons and itt 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 attd place and under the terms designated in the notice of sale in Otte or more parcels attd in any order Trustee determines. Trustee may postpone sale of all or arty parcel of the Property by public attttouncement at the time and place of arty 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, attd 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 Mae/Freddie Mac UNIFORM INSTRUMENT ! Form 3028 1/01 Bankers Systems, Inc., St. Cloud, MN Form MD-1-NE 8/17!2000 (page G of 7 pages) G~ ~ ~008080~ 23. Reconveyance. Upon payment of all sums secured by this Security Ii~strmneut, Lender shall request Trustee to recouvey the Property and shall surrender this Security Iustrwneut and all cotes evidencing debt secured by this Security Iustrumeut to Trustee. Trustee shall recouvey the Property without warranty to the person or persons legally entitled to it. Such person or persons shall pay any recordation costs. Leader may charge such person or persons a fee for reconveying the Property, but orily 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. Lender, at its option, may from time to tune remove Trustee and appoint a successor trustee to any Trustee appointed hereunder by au iustrtunent recorded • in the county in which this Security Iustrumeut 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 sent to Borrower's address which is the Property Address. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Iustrumeut and iu any Rider executed by Borrower and recorded with it. ~. ..... . ~~..,~~.... . • ........... (Seal) JO S. MA INEZ -Borrower ... .~'~.~~. J .......................... (Seal) Z ELEN CAMPOS U -Borrower [Space Below This Line For Acknowledgment] STATE OF NEBRAS County of ............~~~!7.1.x ....................... The foregoing itlstrutmeut was acknowledged before uie this .02;23;2008 . . . . . . . . . . . . . . . . . . . . . ... . . . . . . . . . .......... . . . ........ . . . ... . ...................................(date) by ~IOR.G~S•.MAP?~I~EZ:LUZEI.f,NA.CAMP.QS.HUS6.ANAA!yP.WIF.~................................'................ .............................................................................'.....................(name of person acknowledged). My Comnlissiou expires: „~~y// ................ /.~~~~G'~~.~.. ~` .. ...... ......................................... v Notary Public GENERAL NOTARY-State of Nebraska DEBRA J. BARTUNEK My Comm. Exp. Feb. 5, 2011 NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Bankers Systems, Inc„ St, Cloud, MN Form MD-1-NE 8/17!2000 Form 3028 1101 (Page 7 of 7 pages) /I~ `~