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202605441 (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. (D) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. Documents (E) "Note" means the promissory note dated August 20, 2026, 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 One hundred fifty thousand and 00/100 Dollars (U.S. $150,000.00) 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 September 1, 2056. (F) "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 (G) "Security Instrument" Riders to this document. Additional Definitions ❑ Condominium Rider Cl Other(s) [specify] ® Planned Unit Development Rider ❑ VA Rider means this document, which is dated August 20, 2026, together with all (H) "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. (I) "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. (J) "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 HCFG-01221 NEBRASKA-Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Wolters Kluwer Financial Services, Inc. 2026081824.2.0.5951-J20081203Y 426315926209 Form 3028 07/2021 12/25 Page 2 of 22