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(C) "Lender" is �LS FARGO BP,N�C, N.A. 2011095�� Lender is a 1JATIONAL ASSOCIATION organized and existing under the laws of THE IINITED STATES Lender's address is 101 NORTE PHILLIPS AVEPT(JE, SIOU7C FALLS, SD 57104 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is WELLS FARGO FINANCIAL NATL BNR (E) "Note" means the promissory note signed by Borrower and dated DECENIDER 15, 2011 . The Note states that Borrower owes Lender FIFTY FOUR THOIISAND SIX HUNDRED THIRTY T�tEE AND 00/100 Dollars (U.S. $* 633. 00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later thanJANUARY Ol, 2042 . (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Properly." (G) "Lo�n" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: � Adjustable Rate Rider � Condominium Rider 0 Second Home Rider ❑ Balloon Rider 0 Planned Unit Development Rider � 1-4 Family Rider � VA Rider � Biweekly Payment Rider � Other(s) [specify] (1) "Applicable Law" means all conirolling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit oz credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, tra.nsfers initiated by telephone, wire transfers, and automa.ted clearinghouse transfers. (L) "Escrow Items" mea.ns those items that are described in Section 3. f M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Properiy; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv} misrepresentations of, or omissions as to, the value andlor condition of the Properiy. NEBRASKA-Singla Family-Fannla MaetFreddia Mac UNIFORM INSTRUMENT Form 3028 1/O7 VMP � VMPBINE) (11061.00 Woltare Kluwer Financial Sarvices Peee Z°f � �