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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: GRISELDA ALVIS <br />250 E JOHN CARPENTER FWY <br />3RD FLOOR <br />IRVING, TX 75062 -2710 <br />Deed of Trust <br />Itr <br />G? <br />CIT <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 January 14, 2016, together with all <br />Riders to this document. <br />(B) "Borrower" is RONALD ZEPEDA a married person and ANDRES ZEPEDA, a single person. <br />Borrower 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 />HCFG -00359 Form 30281/01 <br />NEBRASKA - Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 07115 <br />VMP® Page 1 of 17 <br />Wolters Kluwer Financial Services 2016011115.2.2.3298- J20150728Y <br />2 <br />fll <br />rrm <br />33 <br />r�) <br />CO <br />CD CO <br />1-4 <br />w <br />cD 77 <br />CD <br />r M <br />C.) <br />