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.... 200806364 of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to the Trustee, in trust, with power of sale, the following described property located in HALL County, Nebraska: LOTS 7 AND 8, BLOCK 15, ORIGINAL TOWN TO THE VILLAGE OF WOOD RIVER, HALL COUNTY, NEBRASKA THIS IS A PURCHASE MONEY SECURITY INSTRUMENT. TAX STATEMENTS SHOULD BE SENT TO: WELLS FARGO HOME MORTGAGE, P.O. BOX 11701, NEWARK, NJ 071014701 which has the address of 202 E 10TH ST, WOOD RIVER Nebraska 68883 [Zip Code] ("Property Address"); TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." [Street, City], BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encu1llbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a unifoml security instru1llent covering real property. Borrower and Lender covenant and agree as follows: UNIFORM COVENANTS. 1. Payment of Principal, Interest and Late Charge. Borrower shall pay when due tlle principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. 2. Monthly Payment of Taxes, Insurance and Other Charges. Borrower shall include in each monthly payment, together with the principal and interest as set fortll in tlle Note and any late charges, a SU1ll for (a) taxes and special assessments levied or to be levied against fue Property, (b) leasehold payments or ground rents on the Property, and (c) premiums for insurance required under paragraph 4. In any year in which the Lender must pay a mortgage insurance premium to the Secretary of Housing and Urban Development ("Secretary"), or in any year in which such premium would have been required if Lender still held tlle Security Instrument, each montllly payment shall also include either: (i) a sum for the annual1llortgage insurance premium to be paid by Lender to the Secretary, or (ii) a montllly charge instead of a mortgage insurance premium if this Security In.<;trument is held by the Secretary, in a reasonable amount to be determined by tlle Secretary. Except for tlle monthly charge by the Secretary, these items are called "Escrow Items" and tlle sums paid to Lender are called "Escrow Funds." Lender may, at any time, collect and hold amounts for Escrow Ite1lls in an aggregate amount not to exceed the maximum amount fuat may be required for Borrower's escrow account under the Real Estate Settlement Procedures Act of 1974, 12 U.S.c. Section 2601 et seq. and implementing regulations, 24 CFR Part 3500, as tlley may be amended from time to time ("RESPA"), except fuat the cushion or reserve permitted by RESPA for unanticipated disbursements or disbursements before tlle Borrower's paY1llents are available in fue account may not be based on amounts due for the mortgage insurance premium. G-4RINE) 196011 @ Pase 2 of 8 '"""'-{fr