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200504014 EXHIBIT Truth-in-Lending Disclosure Date: December 30, 2004 Creditor: WELLS FARGO BANK, N.A. successor by merger to Wells Fargo Home Mortgage, Inc. 3476 Stateview Boulevard Fort Mill, SC 29715 Loan No.: 2394580 Borrowers: DENNIS NELSON Property: 404 W 7TH ST 710 -712 N. WALNUT ST GRAND ISLAND, NE 68801 ANNUAL FINANCE AMOUNT TOTAL OF PERCENTAGE CHARGE FINANCED PAYMENTS RATE The cost of your credit as a The dollar amount the credit will The amount of credit provided The amount you will have paid yearly rate. cost you. to you or on your behalf after you have made all payments as scheduled. 9.5% $11,936.37 $ 60,717.95 $72,654.32 Your payment schedule will be: (E) means estimate Number of Payments Amount of Payments When Payments are due Monthly, Beginning 24 $530.13 2/01/2005 1 $59,931.20 2/01/2007 Insurance: Property insurance is required- Property insurance may be obtained through any person of your choice. If you choose to obtain property insurance through the creditor, the term of the policy will be N/A and the premium for that term will be $ N /A. Flood insurance ❑ is ® is not required. If required, flood insurance may be obtained through any person of your choice. If you choose to obtain flood insurance through the creditor, the term of the policy will be N/A and the premium for that teen will be $ N /A. Security: You are giving a security interest in property at: 404 W 7TH ST & 710 -712 N. WALNUT ST, GRAND ISLAND, NF. 68801 Late Charges: If a payment is late, you will be charged 5% of the payment. In Massachusetts, the late charge is 3% of the principal and interest portion of the payment that is overdue. Prepayment: If you pay off early, you ❑ If you prepay your loan other than on the regular installment date ❑ may ® will not have to pay a penalty. you may be assessed interest charges until the end of the month. ❑ may ® will not be entitled to a refund of part of the finance charge. Assumption: Someone buying your home: ❑ may, subject to conditions, be allowed to assume the remainder of the mortgage on the original teens. ® cannot assume the remainder of the mortgage on the original terms. Demand Feature: This obligation ❑ has ® does not have a demand feature. Variable Rate: Your loan ❑ does ® does not contain a variable -rate feature. Disclosures about the variable -rate feature have been provided to you earlier. Sec your contract documents for any additional information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment refunds and penalties. Included with this disclosure and made a part of it is the Good Faith Estimate of Settlement Services. BY S1GN G!�B,E_LO_W — 1 ACKNOWLEDGE RECEIPT OF A COPY F HiS DISCLOSURE ON THE DATE INDICATED ABOVE. UENN . NELSON (Borrower) (Date) (Borrower) (Date) (Borrower) (Date) NOTE: Payments shown above do not include reserve deposits for taxes, proLetty or flood insurance. Page I of 1