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201210011 (C) "Lender"iSWELL3 FARGO BANR, N.A. . Lendeii5a NATIONAL A330CIATION organized and eaisting under thc l�ws of TxE vxxm�n STATES LEridOt'S 8dd1'CSS iS 101 NORTH PHILLIPS AVENUE, SIOVX FALLS, SD 57104 Lender is the beneficiarv under this Security Instrument. (D) "Trustee" iS F7ELLS FAAGO FINANCIAL NATL SNK (E) "Note" means thc promissory no[e si�,med by Bonower and dated Novaa�Ex 21, 2012 . The Note slatesthatBoiroR'erowesLenderoNE HUNDRED TWExTY FIVE THousAND AND oo/loo Dollazs(U.S. $ '****125,000.oo)phis interest.Bonower lias promised to pay tlns debt in regular Penodic Payments and to pay the debt in full not later thanDECEt�Ex Ol, 2022 . (F) "Property"means thc proper[y that is described below under the Leading"Transfer of Righ[s in thc Property." (G) "Loan"means thc debt evidenced by the Note; plus interest, am�prepayment cluuges and late charges dnc undcr the Note, and all sums due under this Sccurity Instrumcn�,plus intcrest. (H) "Riders"means all Riders to this Secunty Instrument tliat are executed by Borrower. The following Riders are to bc cxccuted b} Borro�rer�check box as applicableJ: 0 Adjustable Ratc Rider 0 Condominium Rider ❑ Second Home Rider �Balloon Rider 0 Planncd Unit Development Rider❑ 1-4 Family Rider ❑VA Rider �Biweeklp Paymem Rider ❑Other(s) [specififr] (I) "ApplicableLaw" means all conuolling applicable feder�l, state and local statutcs, regulations. ordinances and administrativc rules and orders(tktat have the effect of law)as well as all applicable fi�al, non-appealablc judicial opinions. (J) "CommunityAssociationDues, Fees,and Assessments"meuis all dues, fees, assessments and othcr charges that are imposed on Borrower or the Propecty by a condominium associatioq homeowners association or similar organization. (K) "ElectronicFundsTransfer"means any transfcr of funds, otl�er than a traitsac[ion originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal,[cleptionic instrument, computer, or magnetic lape so as[o order, instruct, or authorize a financial ins6tution to debit or credit an accounL Such term inclndes,but is not limitcd lo, poinl-of-salc Iransfers, automated teller macMne iransactions,transfers iniGated by telephone,wire transfers, and antomated cleannghouse transfcrs. (L) "Escrow Items" means those items that are dcscribed in Scction 3. (M) "MiscellaneousProceeds"means any compensatioiy settlemem, award of damages,or proceeds paid by any thicd party (other than insurance proceeds paid under Yhe coverages described in Section 5) Cor: (i) damage to, or destruction of,the Property; (ii) condemnation or other taking oC all or a�ry part of the Pcoperty; (iii)conveyance in lieu of condemnation; oi(iv)misrepresentations of, or omissions as to, the value and/or condilion of the Propertv NE6RASKASingle Family-Fennie MaelFredtlie Mac UNIFORM INSTRl1MEN? Porm 30281!01 VMP @ VMPd(NE)(1105).00 Wolters Wuwer Financisl Servlces Page 2 af�]