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4672679192 200403138 Instrument. This means that, by signing this Security Instrument, I am giving the Trustee and the Lender those rights that are stated in this Security Instrument and also those rights that the law gives to Lenders who hold Deeds of Trust on real property. I am giving Trustee and Lender these rights to protect Lender from possible losses that might result if I fail to: (A) Pay all the amounts that I owe Lender as stated in the Note; (B) Pay, with interest, any amounts that Lender spends under Paragraph 6 of this Security Instrument to protect the value of the Property and Lender's rights in the Property; or (C) Keep all of my other promises and agreements under this Security Instrument. DESCRIPTION OF THE PROPERTY: I give Trustee rights in the Property described in (A) through (1) below: (A) The Property which is located at 304 W 12th Street, Grand Island, NE 68801 This Property is in Hal 1 County. It has the following legal description: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF. SUBJECT TO COVENANTS OF RECORD. (B) All buildings and other improvements that are located on the Property described in Subparagraph (A) of this Paragraph; (C) All easements, rights and appurtenances attached to the Property that I have as owner of the Property described in Subparagraph (A) of this Paragraph; (D) All rents or royalties from the Property described in Subparagraph (A) of this Paragraph; (E) All mineral, oil and gas rights and profits, water rights and stock that are part of the Property described in Subparagraph (A) of this Paragraph; (F) All rights that I have in the land which lies in the streets or roads in front of, or next to, the Property described in Subparagraph (A) of this Paragraph; (G) All fixtures that are now or in the future will be on the Property described in Subparagraphs (A) and (B) of this Paragraph; (H) All of the rights and Property described in Subparagraphs (B) through (G) of this Paragraph that I acquire in the future; and (1) All replacements of or additions to the Property described in Subparagraphs (B) through (H) of this Paragraph. BORROWER'S RIGHT TO CONVEY THE PROPERTY AND BORROWER'S OBLIGATION TO DEFEND OWNERSHIP OF THE PROPERTY: promise that: (A) I lawfully own the Property; (B) 1 have the right to grant and convey the Property to Trustee; and (C) there are no outstanding claims or charges against the Property, except for those which are of public record. I give a general warranty of title. This means that I will be fully responsible for any losses which Lender suffers because someone other than myself has some of the rights in the Property which I promise that I have. I promise that I will defend my ownership of the Property against any claims of such rights. HELOC Deed of Trust - Nebraska Page 2 of 8 2002/07 hene- . I