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201204049 \V� "Lender I.S �iLtlr4 �� $�R� N�A• Lender is a NAT=ONAL A3SOC=AT=ON organized and existing under the laws of � vl�T=T8D 3TAT83 Lender's address is 101 NORTH PBILLIPB AV8NII8, 3i0II% FALLB, SD 57104 Lender is the beneficiary under this Security Instrument. (D) "Trustee" WSLL3 FARGO FINANCIAL NATL BNK C/O SPSC. 3LRV., PO 80B 31557, BILLING3, MT 59107 (E) "Note" means the promissory note signed by Bonower and dated �+Y 21, 2012 . The Note states that Bonower owes Lender ON� HIINDRSD THOIISAi�ID AND 0 0/ 10 0 Dollazs (U. S. $***** 10 0, 0 0 0. 0 0) plus interest. Bonower has promised to pay this debt in regulaz Periodic Payments and to pay the debt in full not later than �vN� O1, 2032 . (F1 "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment chazges and late chazges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that aze executed by Borrower. The following Riders are to be executed by Bonower [check box as applicable]: � Adjustable Rate Rider � Condominium Rider � Second Home Rider 0 Balloon Rider 0 Planned Unit Development Rider � 1-4 Family Rider 0 VA Rider � Biweekly Payment Rider � Other(s) [specify] (I) "Applicable Law" means a11 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, end Assessments" means a11 dues, fees, assessments and other chazges that are imposed on Borrower or the Property by a condominium association, homeowners association or similaz organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than 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, instruct, or authorize a financial institurion 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 aze described in Section 3. (M) "Miscellaneous Proceeds" means any compensarion, settlement, awazd 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 Property; (ii) condemnation or other taking of a11 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 Property NEB�SKA-Single Family-Fannie Mse/Freddle Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP VMP8INE) (71051.00 Wolters Kluwer Financtal Services Pege 2 of 17 e�