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20120047� (C) "Lender" is �LLS FARGO BANR, N.A. Lender is a NATIONAL ASSOCIATION organized and existing under the laws of T� III�TITED STATES Lender's address is 101 NORTg PHILLIPS AVENUE, SIOU7C FALLS, SD 57104 Lender is the beneficiary under this Security Instrument. (D) "Trustee" 1s �+r+S FARGO FINANCIAL NATL BNR (E) "Note" means the promissory note signed by Borrower and dated JAN[TARY 10, 2012 . The Note states that Borrower owes Lender ONE HUNDRED FORTY SEVEN THOIISAI�ID SEVEN HIINDRED A1�ID 00/100 Dollars (U.S. $*****147 , 700 . 00) plus interest. Borrower has promised to pay this debt in regulaz Periodic Payments and to pay the debt in full not later than�$RIIARY O1, 2042 , (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Properiy." 1G) "Loen" means the debt evidenced by the Note, plus interest, airy 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 Ra.te Rider 0 Condominium Rider � Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ 1-4 Family Rider � VA Rider 0 Biweekly Payment Rider 0 Other(s) [specify] (1► "Applicabie Law" means all controlling 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 aze imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. 1K) "Electronic Funds Transfer" means any transfer of funds, other than a transa.ction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic inslrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in 5ection 3. (M) "Miscelleneous Proceeds" means any compensation, settlement, awazd of damages, or proceeds paid by any third pariy (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or deslruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemna.tion; or (iv) misrepresenta.tions of, or omissions as to, the value and/or condition of the Properly. NEBRASKA-Singla Famlly-Fannia Mae/Freddie Mac UNIFORM INSTRUMENT Form 3026 1/01 VMP � VM1P61NE) (11061.00 WolSSra Kluwer Flnancial Services Paga 2 of 17