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20��03��3 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 tnist, with power of sale, the following described property located in SALL County, Nebraska: SEE TITLE SEE EXEIIBIT "A" HERETO ATT�46HED THIS IS A PURCHASE MONEY SECURITY INSTRUMENT. TAX STATEMENTS SHOULD BE SENT T0: WELLS FARGO HOME MORTGAGE, P.O. BOX 11701, NEWARK, NJ 071014701 which has the address of 312 S WALNUT ST, GRAND ISLAND [Street, City] Nebraska 68801 [Zip Code] (��property Address"); TOGETHER WTTH all the improvements now or hereafter erected on the property, and all easements, appurtenances and filctures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instnunent. All of the foregoing is referred to in this Security Instnunent as the "Properly." BORROWER COVENANI'S 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 wamants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines wuform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security insMament covering real property. Borrower and Lender covenant and agee as follows: LJNIFORM COVENANI'S_ 1. Payment of Principal, Interest and Late Charge. Bonower shall pay when due the principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. 2. Monthly Payment of Tazes, Insurance and Other Charges. Borrower shall include in each monthly payment, together with the principal and interest as set forth in the Note and any late charges, a sum for (a) taxes and special assessments levied or to be levied against the 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 the Security Instrument, each monthly payment shall also include either: (i) a sum for the annual mortgage insttrance premium to be paid by Lender to the Secretary, or (u) a monthly charge instead of a mortgage insivance premiwn if this Security Instrument is held by the Secretary, in a reasonable amount to be determined by the Secretary. Except for the monthly charge by the Secretary, these items are called "Escrow Items" and the swns paid to Lender are called "Escrow Funds." Lender may, at any time, collect and hold amounts for Escrow Items in an aggregate amount not to exceed the maximum amount that may be required for Bonower's escrow account under the Real Estate Settlement Procedures Act of 1974, 12 U.S.C. Section 2601 et seq_ and implementing regulations, 24 CFR Part 3500, as they may be amended from time to time ("RESPA"), except that the cushion or reserve permitted by RESPA for unanticipated disbursements or disbursements before the Bortower's payments are available in the account may not be based on amounts due for the mortgage insurance premium. �-4R(NE) �sso� � Page 2 of 8 Initials:,�