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201201�� �C) "Lender" is �LLS FARGO BANR, N.A. Lender is a �TIONAL ASSOCIATION organized and existing under the laws of T� Lender's address is 101 NORTH PSILLIPS IINITED STATES AVENUE, SIOtTX EALLS, SD 57104 Lender is the beneficiary under this Security Instrument. ID) "Trustee" is WELLS FARGO FINANCIAL NATL BNPC (E) ° Note" mea.ns the promissory note signed by Borrower and dated �RUARY 17 , 2012 . The Note states that Borrower owes Lender ONE SUNDRED SEVENTEEN THOIISAI�ID SEVEN HONDRED AND 00/100 Dollars (LT.S. $**** 700 . 00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later thanl�lARCH O1, 2032 . 1F) "Property" means the property that is described bElow under the heading "Transfer of Rights in the Properly." (G► "Loan" mea.ns 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. (HI "Riders" means all Riders to this Security Instrument that are executedby Borrower. The following Riders are to be executed by Borrower [check box as applicable] : 0 Adjustable Rate Rider � Condominium Rider ❑ Second Home Rider � Balloon Rider ❑ Planned Unit Development Rider 0 1-4 Family Rider � VA Rider � Biweekly Payment Rider 0 Other(s) [specify] 11) "Applicable 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. IJ) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Properly by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other tha.n 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, inshuct, 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 Section 3. (M) "Miscellaneous Proceeds° means any compensation, settlement, awazd of damages, or proceeds paid by any third party (other than insu�rance proceeds paid under the coverages described in 5ection 5) for: (i) damage to, or desiruction of, the Property; (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 and/or condition of the Properly. NEBRASKA-Singla Famlly-Fannia Mee/Freddia Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMPBINE1111061.00 Wolmrs Kluwer Finarxial Sarvicas Paga 2 of 17