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�o��o�� of Borrower's covenants and agreements under this Security Instntment and the Note_ For this purpose, Bonower irtevocably grants and conveys to the Trustee, in trust, with power of sale, the following described property located in �L County, Nebraska: PLEASE SEE TITLE FOR LEGAL DESCRIPTION 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 224 E 17TH ST, GRAND ISLAND [Street, City], Nebraska 68801 [Zip Code] (��property Address"); TOGETHER WITH all the improvements now or hereafter erected on the property, and all e,asements, appurtenances and Sxtures 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 "ProperLy." BORROWER COVENANTS that Bortower is lawfully seized of the estate hereby conveyed and has the right to grant and convey the Ptoperty and that the Property is unencumbered, except for encumbrances of record. Boaower warrants and will defend generally the title to the Properly against all claims and demands, subject to any encumbrances of record. THIS SECURTI'Y INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instnunent covering real property_ Borrower and Lender covenant and agree as follows: UNIFORM COVENANTS. 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. Bonower shall include in each monthly payment, together with the principal and interest as set forth in the Note and any late charges, a swn 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 Securiiy Instru.ment, each monthly payment shall also include either: (i) a sum for the aunual mortgage ine�rance premium to be paid by Lender to the Secretary, or (ii) a monthly charge instead of a mortgage �ne�rance premium if this Security Instnunent 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 sums 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 unauticipated disbursements or disbursements before the Borrower's payments are available in the account may not be based on amounts due for the mortgage insnrance premium. �-4R(NE) �sso�) Page 2 of 6 Initials: /.