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201002827 of Borrower's covenants and agreements under this Security Instrument and the Notc. For this purpose, Harrower irrevocably grants and conveys to the Trustee, in trust, with power of sale, the following described property located in unr•L County, Nebraska: SEE ATTACHED LEGAL DESCRIPTION TAX STATEMENTS SHOULD BE SENT TO: WELLS FARGO HOME MORTGAGE, P.O. BOX 11701, NEWARK, NJ 071014701 which has the address of 4227 UTAH AVE, GRAND ISLAND Nebraska 68803 [Zip Codcl ("property Address"); [Street, City], TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances and fixtures naw 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 "Property." BORROWER COVENANTS that Borrower is lawfully seized of the estate herehy conveyed and has the right to grant and convey the Property and that the Property is unencmnbered, except for encumbrances of record. Bonower warrants and will defend generally the title to the Propc°rfy against all claims and demands, subject to any encumbrances of record. '1'IIIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. Borrower and Lender covenani and agree as tiyllows: UNIFORM COVENANTS. 1. Payment of Principal, Interest and Late Charge. Borrower 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 Taxes, 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 he 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 heen required if Lender still held the Security Instrument, each monthly payment shall also include either: (i) a sum for the annual mortgage insurance premium to he paid by Lender to the Secretary, or (ii) a monthly charge instead of a mortgage insurance premium 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 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 Borrower's escrow account under the Real Estate Settlement Procedures Act of ]974, 12 U.S.C. Section 2601 e1 seq. and implementing regulations, 24 CFR Fart 3500, as they may be amended from time to time ("RESPA"), except that the cushion or reserve permitted by RESPA far unanticipated disbursements or disbursements before the Borrower's payments are available in the account may not be based an amounts due for the mortgage insurance premium. -4R(NEl ~saai ~ Page 2 of 8 Initials