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0 <br />CO <br />Return To: Wells Fargo Bank, N.A. <br />FINAL DOCUMENTS T7408 -01F <br />4101 Wiseman Blvd Bldg 108 <br />San Antonio, TX 78251 -4200 <br />Prepared By: SHELLY A HARTMAN <br />3900 E MEXICO AVE <br />DENVER, CO 80210 -0000 <br />Deed of Trust <br />io <br />11 <br />i <br />ry <br />�i <br />r <br />Definitions. Words used in multiple sections of this document are defined below and other words are <br />defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this <br />document are also provided in Section 16. <br />(A) "Security Instrument" means this document, which is dated November 28, 2012, together with <br />all Riders to this document. <br />(B) "Borrower" is Kathryn K Kowalski, a single person and Colt L Shafer, a single person. Borrower <br />is the trustor under this Security Instrument. <br />(C) 'Lender" is Wells Fargo Bank, N.A.. Lender is a corporation organized and existing under the <br />laws of United States of America. Lender's address is 101 North Phillips Avenue, Sioux Falls, SD <br />57104. Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is Wells Fargo Financial National Bank. <br />(E) "Note" means the promissory note signed by Borrower and dated November 28, 2012. The Note <br />states that Borrower owes Lender one hundred ninety two thousand seven hundred fifty -five and <br />HCFG -00359 <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />VMP® 05/12 <br />Wolters Kluwer Financial Services 201211274.1.1.2336- J20120829Y Page 1 6116 <br />