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20�20��5 �V1 "Lender � ry� IIeai�VV aeaa�A� N.A. Lender is a NATIONAL ASSQCIATION organized aud existing under the laws of T� I.ender's address is 101 NORTH PBILLIPS IJNITED STATE3 AVENIJE, SIOiJX FALLS, SD 57104 Lender is the beneficiary under this Security Instrument, ID) "Trustee"is �LS FARGO FINANCIAL NATL BNR ,. (E) "Note" means the pmmissory note signed by Borrower and dated AIIGIIST 22 , 2012 , The Note states that Borrower owes Lentier SEVENTY 1vINE TSOII3AND TWO HUNDRED SEVENTY AND 00/100 Dollars (U.S. $******79,270. 00) plus interest. Borrower has promi,4ed to pay this debt in regulaz Periodic Payments and to pay the debt in full not later thanSEPTEI�ER O1, 2092 . (F) "Property" means the prdperty that is described below under the heading "Transfer of Rights in the Properiy." fG) "Loan" means the debt evidenced by the Note, plus interest, ar�y 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 Instrument that aze executed by Borrower. The following Riders are to be executed by Borrower [check box as applica.ble]: 0 Adjustable Rate Rider � Condominium Rider 0 Second Home Rider 0 Balloon Rider 0 Planned Unit Development Rider 0 1-4 Family Rider 0 VA Rider ❑ Biweekly Payment Rider � Other(s) [specify] (I) "Qpplicable Law" means a11 controlling applicable federal, state and local statutes, reguladons, ordiaances 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, end Assessments" means all dues, fees, assessments and other charges that aze imposed on Borrower or the Progerty by a condominium association, homeowners association or similar organization. (K) "Eiectronic Funds Trensfer" means any tra.nsfer of funds, other than a transaction originated by check, draft, or similar pager 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 wmpensation, settlement, award of damages, or proceeds paid by any third party (other than in��,�nce proceeds paid under the coverages described in Section 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 Property. NEBWtSKA-Single FamifyFannia Mae/Freddte Mac UNIFQRM INSTRUMENT Form 3028 1/01 � � VMPB(NEI (11061.00 Woltera Kluwer Fir��al Serviaes Page 2 of 17