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Return To: Wells Fargo Bank, N.A. <br />FINAL DOCS N0012 -01B <br />6200 PARK AVE <br />DES MOINES, IA 50321 <br />Prepared By: NOGUEIRA, BIANCA <br />250 E JOHN CARPENTER FWY <br />3RD FLOOR <br />IRVING, TX 75062 -2710 <br />2 <br />21 <br />m <br />Deed of Trust <br />—1 <br />m <br />m <br />ry C.) <br />C . r.ti, cn <br />, --a <br />pp r� cri 0 <br />cc) Z <br />4 C/3 Ul <br />1 <br />fn �+ s r+l C <br />2y co O <br />on p —1 <br />t`Jc <br />Q7 <br />c_n 0 <br />CD cn CO <br />cn <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 February 20, 2015, together with all <br />Riders to this document. <br />(B) "Borrower" is Ryan S. Phinney and Jessica L. Phinney, Husband and Wife. Borrower is the <br />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 />HCFG -00359 <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30281/01 <br />VMP® 08/14 <br />Wolters Kluwer Financial Services 201502204.1.0.2815- J20141028Y Page 1 of 17 <br />5873015220 <br />li III 1111 113 111 <br />1 <br />1 <br />11 <br />