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201200790 (C) "Lender" is �1ELLS FARGO SANK, N.A. Lender is a 1�1ATIONAL ASSOCIATION organized and existing under the laws of THE Lender's address is 101 NORTH PHILLIPS IJNITED STATES AVENUE, SIOTIX FALLS, 3D 5710g Lender is the beneficiary under this Security Instrument. fD► "Trustee"is WELLS FARGO FINANCIAL NATZ BNR . fE) "Note" means the promissory note signed by Borrower and dated JANIIARY 25, 2012 . The Note states that Bonrower owes LenderEIGBTY SIX T80USAND AND 00/100 Dollars (U.S. $******g6, 000. 00) plus interest, Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later thanFEBRIIARY 01, 2027 . (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Progerty." (G} "Loan" 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 alI Riders to this Security Instrument that are executed by Borrower. The following Riders are to be execnted by Borrower [check box as agplicable]: 0 Adjustable Rate Rider 0 Condominium Rider 0 Second Home Rider � Balloon Rider 0 Planned Unit Development Rider � 1-4 Family Rider 0 VA Rider �] Biweekly Payment Rider � Other(s) [specify] (1) "Appliceble 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 Associetion 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. (Ki "Elecfronic Funds Transfer" means any transfer of funds, other than a traasaction 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 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. IL) "Escrow Items" means those items that are described in Section 3. (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 Progerty; (iii) conveyance in lieu of condemnation; or (iv) misrepresenta.tions of, or omissions as to, the value and/or condition of the Prppe NEBRASKA-Singte Famlly-Fannie MaelFrsddia Mac UNIFORM INSTAUMENT Form 3026 1/01 VMP � VMP6(NEI (11061.Q0 Wolters Kluwar Financial Sarvicas Paga 2 of 17