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201200912 <br />(C) "Lender"is WELLS E'AR60 st�1+7x, N.A. <br />Lender is a National Asacc.iatian <br />organized and existiug under the laws of T� �� STATE3 OF AMERICA <br />Lender's address is �p1 NORTH PAILI,IP3 AVENUE <br />SZOYIX F'ALLB, SD 571��t <br />Lender is the bene$ciary under this Security Instrument. <br />(D) "TI'USt@B" is WELLS FXRGO E'TNANCIAL NATL BNK <br />(E) "Note" means the promia�sory note signed by Barrower and dated J�'N[7ARY 18, 20I2 _'�he Note <br />states that Bonrower owes Lender'1'WO HUNDRED �`T$'!'Y THOUSAND SIXTX-NINE AND NOJ100 <br />Dollars (U.S. $*** 00 ) plus interest. Bonower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt ut full not later thau�$AUARY l, 2092 . <br />(Fj " PPOperty " means the property that is described below under tI1e heading "Transfer of Rights in the <br />Praperty." <br />(G) "Loan" means the debt evidenced by thc Nate, pius interest, any prepayment charges and late chazges due <br />undez the Note, and all sums due under this Secu,rity Inst�ument, plus interest. <br />(H} "Ridet'5" means all Rid�rs to this Secuzity Instrument that are executed by Borrawer. T`b;e following Riders <br />are to be execut�d by Bozrawer [check box as applicabte]: <br />0 Adjustable Rate Rider Condominium Rider 0 Second Home Rider <br />❑ Balloon Rider � Planneci Umit Development Rider 1-4 Fami€y Rider <br />� VA Rider � Biweekly Payment Rider � Other{s} [specifyJ <br />(I) "AppliCableLaw" means all conixoiling applicable federa.l, state and local statutes, regulations, ordinances <br />and administrafive raIes and orders (that have the effect of law) as well as all applicable final, non-appealable <br />judicial opinions. <br />(J) "CommunityAssociativnDues, Fees, and Assessments"means all dues, fees, assessments and other <br />charges that axe imposed on Borrower or the Property by a condominiwn association, homeown.ers <br />as.qociation or similar arganization. <br />(K) "EleCtt'orlicFundSTi�nsfer" means an.y transfer o£ funds, other than a transacrion originated by check, <br />drafF, or similar paper instrument, which is initiated tbzough an electtanic terminal, telephoaic instrument, <br />conaputer, or magneric tape so as to order, instruct, or authorize a financial institution to debit ar credit an <br />account. Such temi includes, bufi is nat limited to, point-of-sale transfers, automateci teller macIvne <br />transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse txansfers. <br />{L) "EsCCOw 14ems" means fhose itenas that are described in Scction 3. <br />(M) "MiseeitaneousPraaeeds"means any oompensation, settlemeut, award nf damages, or proceeds paid by <br />any third party (other than insurattce pruceeds paid under the ooverages described 'zn Secrian S} for: (i) <br />dam.age to, or destruction of, ihe Property; (ii} condemnarion or other taking of all or any part of the <br />Propetly; (iii) conveyance in lieu of condemnation; or (iv) �tisrepresentations af, or amissions as to, the <br />value and/or condition of the Property. <br />�p �SKA-Sing}e Famt{y-Fannfe MaeiFredd[e Mac UtdIFORM INSTRUMENT Form 30281/01 <br />VMP6(NE] (1108).00 <br />Waiiers Kluwer Fnanciel Senrices Pege 2 of 17 <br />