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200802408 of Borrower's covenants and agreements under this Security Instrument and fue Note. For fuis purpose, Borrower irrevocably grants and conveys to the Trustee, in trust, with power of sale, the following described property located in HALL County, Nebraska: SEE ATTACHED TAX STATEMENTS SHOULD BE SENT TO: WELLS FARGO HOME MORTGAGE, P.O. BOX 11701, NEWARK, NJ 071014701 which has fue address of 1403 W DIVISION ST, GRAND ISLAND Nebraska 68801 [Zip Code] ("Property Address"); TOGETHER WITH all fue improvements now or hereafter erected on the property, and all easements, appurtenances and fixtures now or hereafter a part of fue property. All replacements and additions shall also be covered by this Security Instrument. All of fue foregoing is referred to in this Security Instrument as fue "Property." BORROWER COVENANTS that Borrower is lawfully seized of fue estate hereby conveyed and has the right to grant and convey the Property and that the Property is unenCWllbered, except for encumbrances of record. Borrower warrants and will defend generally the title to fue Property against all claims and demands, subject to any encumbrances of record. [Street, City], THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants wifu limited variations by jurisdiction to constitute a uniform security instrument covering real property. Borrower and Lender covenant and agree as follows: UNIFORM COVENANTS. 1. Payment of Principal, Interest and Late Charge. Borrower sb.all pay when due the principal of, and interest on, fue debt evidenced by fue Note and late charges due under the Note. 2. Monthly Payment of Taxes, Insurance and Other Charges. Borrower shall include in each monthly payment, togefuer wifu fue principal and interest as set forfu in fue Note and any late charges, a SWll for (a) taxes and special assessments levied or to be levied against fue Property, (b) leasehold payments or ground rents on fue Property, and (c) premiums for insurance required under paragraph 4. In any year in which fue Lender must pay a mortgage insurance premium to fue Secretary of Housing and Urban Development ("Secretary"), or in any year in which such premium would have been required if Lender still held fue Security Instrument, each monthly payment shall also include eifuer: (i) a sum for the annual mortgage iI1.<;urance premium to be paid by Lender to the Secretary, or (ii) a monthly charge iI1.<;tead of a mortgage insurance premium if fuis Security Instrument is held by the Secretary, in a reasonable amount to be determined by fue Secretary. Except for fue monfuly 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 fue maximum amount that 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 fuey may be amended from time to time ("RESPA"), except that the cushion or reserve pemlitted by RESPA for unanticipated disbursements or disbursements before fue Borrower's payments are available in the account may not be based on amounts due for fue mortgage insurance premium. G-4RINEI 19601) <!> Pog. 2 of 6 InitiaIS:~ /7