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Return To: Wells Fargo Bank, N.A. <br />FINAL DOCS F0012 -01B <br />--1 6200 PARK AVE <br />._+ DES MOINES, IA 50321 <br />Prepared By: Mark A Powell <br />CD 2701 WELLS FARGO WAY <br />3RD FLOOR <br />MINNEAPOLIS, MN 55467-8000 <br />Deed of Trust <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 October 26, 2018, together with all <br />Riders to this document. <br />(B) "Borrower" is Julian Ramirez -Ramirez and Lucia Ramirez Cruz, Husband and Wife, as joint <br />tenants. 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 <br />NEBRASKA -Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP® <br />Wolters Kluwer Financial Services 2018102317.1.0.4574J20180529Y <br />111 <br />1143816018212 <br />Form 3028 1/01 <br />12/17 <br />Page 1 of 17 <br />YYyr 1101 <br />CD <br />