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�0�10782� (C) "Lender" is WELLS FARGO BANR, N.A. Lender is a NATIONAL ASSOCIATION organized and existing under the laws of THE UNITED STATES Lender's address is P.O. SOX 11701, NEWARR, NJ 071014701 Lender is the bEneficiary under this Security Instrument. (D) "Trustee" is WELLS FARGO FINANCIAL NATL BNit C/O SPEC. SERV., PO SOX 31557, BILI�INGS, MT 59107 1E) "Note° means the promissory note signed by Borrower and dated �CTOBER 06, 2011 . The Note states that Borrower owes Lender FORTY EIGHT THOUSAND FIFTY AND 00/100 Dollars (LJ.S. $******�8, 050 . 00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later thanNOVEN�ER 01, 2091 . IF) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" mea.ns the debt evidenced by the Note, plus interest, any prepayment charges and la.te charges due under the Note, and all sums due under this Security Instrument, plus interest. (H} "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: � Adjustable Rate Rider 0 Condominium Rider � Second Home Rider � Balloon Rider � Planned Unit Development Rider ❑ 1-4 Family Rider � VA Rider � Biweekly Payment Rider 0 Other(s) [specify] 11} "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 applica.ble final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, �nd Assessments" means all dues, fees, assessments and other cha.rges that are imgosed on Bonower or the Property by a condominium association, homeowners association or similaz organization. ( K) "Electronic Funds 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 institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automa.ted teller machine transactions, transfers initiated by telephone, wire transfers, and antomated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscelieneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Progerty; (ii) condemnation or other taking of all or any part of the Property; (iii} conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value andlor condition of the Prope NEBRASKA-Single Family-Fannia Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 v�P � VMP61NE) {11061.00 Wolters Kluwer Financial Services Page 2 of 17