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200705354 Loan #: 002004409132 Deed of Trust. continued WHEREAS, Borrower is indebted to Lender in the principal sum of Thirty Seven Thousand Seven Hundred (U.S. $ 37,700.00 ), which indebtedness is evidenced by Borrower's note dated JUNE 12, 2007 and extensions and renewals thereof (herein "Note"), providing for monthly installments of principal and interest, with the balance of indebtedness, if not sooner paid, due and payable on June 18, 2037 To secure to Lender the repayment of the indebtedness evidenced by the Note and the payment of all other sums, with interest thereon, advanced in accordance herewith to protect that security of this Deed of Trust; and the performance of the covenants and agreements of Borrower herein contained: Trustor covenants that Trustor is lawfully seized of the estate hereby conveyed and has the right to grant and convey the Property, and warrants title to the same, subject to general real estate taxes for the current year, easements of record or in existence, and recorded declarations, restrictions, reservations, encumbrances and covenants if any, as of this date and except N/A. Trustor covenants that Trustor warrants and will defend generally the title to the Property against all claims and demands, subject to the foregoing matters. UNIFORM COVENANTS. Trustor and Lender covenant and agree as follows: 1. PAYMENT OF PRINCIPAL AND INTEREST. Borrower shall promptly pay when due the principal and interest indebtedness evidenced by the Note and late charges as provided in the Note. 2. APPLICATION OF PAYMENTS. Unless applicahle law provides otherwise, all payments received by Lender shall be applied by Lender in any order it chooses. 3. PRIOR MORTGAGES AND DEEDS OF TRUST: CHARGES; LIENS. Trustor shall perform all of Trustor's obligations under any mortgage, deed of trust or other security agreement with a lien which has priority over this Deed of Trust, including Trustor's covenants to make payments when due. Trustor shall payor cause to be paid all taxes, assessments and other charges, fines and impositions attributable to the Property which may attain a priority over this Deed of Trust, and leasehold payments or ground rents, if any. 4. HAZARD INSURANCE. Trustor shall keep the improvement now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and such other hazard as Lender may require and in such amounts and for such periods as Lender may require. The insurance carrier providing the insurance shall be chosen by Trustor subject to approval by Lender; provided, that such approval shall not be unreasonably withheld. All insurance policies and renewals thereof shall be in a form acceptable to Lender and shall include a standard mortgagee clause in favor of and in a form acceptable to Lender. Lender shall have the right to hold the policies and renewals thereof, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Deed of Trust. In the event of loss, Trustor shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Trustor. If Property is abandoned by Trustor, or if Trustor fails to respond to Lender within 30 days from the date notice is mailed by Lender to Trustor that the insurance carrier offers to settle a claim for insurance benefits, Lender is authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property or to the sums secured by this Deed of Trust. MB"2590A_2 Fixed Rate Deed of Trust - Nebraska Rev. OB/2006 Page 2 of 7 CitiMortgage 3.2.8.13 V2