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(C) "Lender"isWELLS FARGO SANR, N.A. 2 0 1 2 0 2 5 5 3 Lender is a �TIONAL ASSOCIATION organized and existing under the laws of �� STATES Lender's address is 101 NORTH PHILLIPS AVENt3E, SIOU7C FALL3, SD 57109 Lender is the beneficiary under this Security Instrument. {D) "Trustee" is ��S FARGO FINANCIAL NATL SNR r� (E) "Note" means the promissory note signed by Borrower and dated NlARCB 28 , 2012 . The Note sta.tes that Borrower owes Lender SIX'1`Y ONE THOUSAND S3X HIINDRED AI�ID 00/100 Dollars (LT.S. $******61, 600 . 00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later thanMAY O1, 2027 . 1F) "Praperty" means the property that is described below under the heading "Transfer of Rights in the Properiy." IG) "Loen" 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 Insuument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: � Adjustable Rate Rider 0 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] (I) "Applicable Lew" 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 applica.ble final, non-appealable judicial opinions. 1J) "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 assnciation or similar organization. (K) "Electronic Funds Transfer" means any lzansfer of funds, other than a transaction originated by check, draft, or similar paper instrtiment, which is initiated through an electronic terminal, telephonic instrument, camputer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, hut is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire tra.nsfers, and automated clearinghous� t�'ansfers. (L) "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 deslruction of, the Properiy; (ii) condemnation or other taking of all or any part of the Property; (iii) canveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Propertv. NEBRASKA-Singfa Family-Fannio MaelFrsddie Mac UNIFORM INSTqUMENT Form 3028 1/01 �p � VMP6lNE) (11061,00 Wolmrs Kluwar Finencie{ Servicos Paga 2 of 17