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202405061 (C) "Trustee" is Wells Fargo National Bank West formerly known as Wells Fargo Financial National Bank. Trustee's address is 4455 Spring Mountain Road, Las Vegas, NV 89102. The term "Trustee" includes any substitute/successor Trustee. Documents (D) "Note" means the promissory note dated October 11, 2024, and signed by each Borrower who is legally obligated for the debt under that promissory note, that is in either (i) paper form, using Borrower's written pen and ink signature, or (ii) electronic form, using Borrower's adopted Electronic Signature in accordance with the UETA or E-SIGN, as applicable. The Note evidences the legal obligation of each Borrower who signed the Note to pay Lender eighty thousand and 00/100 Dollars (U.S. $80,000.00) plus interest. Each Borrower who signed the Note has promised to pay this debt in regular monthly payments and to pay the debt in full not later than November 1, 2054. (E) "Riders" means all Riders to this Security Instrument that are signed by Borrower. All such Riders are incorporated into and deemed to be a part of this Security Instrument. The following Riders are to be signed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ 1-4 Family Rider ❑ Second Home Rider ❑ Condominium Rider ❑ Planned Unit Development Rider ❑ VA Rider 0 Other(s) [specify] (F) "Security Instrument" means this document, which is dated October 11, 2024, together with all Riders to this document. Additional Definitions (G) `Applicable Law" means all controlling applicable federal, state, and local statutes, regulations, ordinances, and administrative rules and orders (that have the effect of law) as well as all applicable final, non -appealable judicial opinions. (H) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments, and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association, or similar organization. (I) "Default" means: (i) the failure to pay any Periodic Payment or any other amount secured by this Security Instrument on the date it is due; (ii) a breach of any representation, warranty, covenant, obligation, or agreement in this Security Instrument; (iii) any materially false, misleading, or inaccurate information or statement to Lender provided by Borrower or any persons or entities acting at Borrower's direction or with Borrower's knowledge or consent, or failure to provide Lender with material information in connection with the Loan, as described in Section 8; or (iv) any action or proceeding described in Section 12(e). (J) "Electronic Fund Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial HCFG-01221 NEBRASKA-Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 2024101017.1.2.4575-J20180529Y 430283024211 Form 3028 07/2021 12/22 Page 2 of 22