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13Yd1S Y • <br />Return To: Wells Fargo Bank, N.A. <br />FINAL DOCS F0012 -01B <br />6200 PARK AVE <br />DES MOINES, IA 50321 <br />Prepared By: Frankie Guerrera <br />1 HOME CAMPUS <br />FLOOR 2 <br />DES MOINES, IA 50328-0000 <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 November 30, 2021, together with <br />all Riders to this document. <br />(B) "Borrower" is ROBERT W KIPPER and JANE D KIPPER, husband and wife;. Borrower is <br />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 />HCFA -00359 2419564121213 <br />NEBRASKA -Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />VMP® 12/17 <br />Wolters Kluwer Financial Services 2021112217.1.0.4574-J20180529Y Page 1 of 17 <br />iii <br />'?� 4 <br />N <br />ro <br />F--' <br />F-4 <br />CD <br />C-.-) <br />_.G <br />CII <br />