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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: Melinda K Ryan <br />W 9780 S MERIDIAN BLVD <br />3RD FLOOR, SUITE 300 <br />ENGLEWOOD, CO 80112 -5910 <br />HCFG -00703 <br />FHA Deed of Trust -NE <br />Bankers Systems" VMP® <br />Wolters Kluwer Financial Services <br />Deed of Trust <br />2016102615.3.2.3509- J20160426Y <br />11 <br />1 1 <br />1111 <br />11 <br />11 <br />FHA Case No. <br />321- 3519105 -703 <br />DEFINITIONS. Words used in multiple sections of this document are defined below and other words <br />are defined in Sections 3, 10, 12, 17, 19 and 21. Certain rules regarding the usage of words used in.this <br />document are also provided in Section 15. <br />(A) "Security Instrument" means this document, which is dated October 28, 2016, together with all <br />Riders to this document. <br />(B) "Borrower" is LAURA KLOSS and BRAD KLOSS, wife and husband; as Joint Tenants with <br />Right of Survivorship. 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 />9/30/2014 <br />11/15 <br />Page 1 of 16 <br />11 <br />1 1 <br />