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201108745 1C) "Lender"isWELLS FARGO BANR, N.A. Lender is a WATIONAL ASSOCIATION organized and existing under the laws of T� UNITED STATES Lender's address is 101 NORTH PHILLIPS AVEN[JE, SIOUX FALLS, SD 57104 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is WELLS FARGO FINANCIAL NATL SNR C/O SPEC. SERV., PO BOX 31557, BILLINGS, N!T 59107 (E) "Note" means the promissory note signed by Borrower and dated NOVEN�ER 18 , 2011 . The Note states that Borrower owes Lender OI� HIII�IDRED FORTY SEVEN TSOIISAI�ID EIGHT HIII�IDRED AND 00/100 Dollars (LT.S. $*****147 , 800 . 00) plus intere�t. Borrower has promised to pay this debt in regulaz Periodic Payments and to pay the debt in full not later thanDECENIDER O1, 2091 . (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late 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 executedby Borrower. The following Riders are to be executed by Borrower [check box as applicable] : � Adjustable Rate Rider 0 Condominium Rider � Second Home Rider 0 Balloon Rider ❑ Planned Unit Development Rider � 1-4 Family Rider � VA Rider � Biweekly Payment Rider � Other(s) [specify] (I) "Appliceble Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administtative 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, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium associa.tion, homeowners association or similar organization. ( K) "Electronic Funds Trensfer" means any tiansfer 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, insiruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items° mea.ns those items that aze described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, awazd of damages, or proceeds paid by any third pariy (other than insurance proceeds paid under the coverages described in Section 5) for: (i) da.mage to, or destruction of, the Property; (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 Property. NEBRASKA-Single Family-Fannla MaelFreddie Mac UNIFORM INSTRUMENT Form 3026 1/01 y�p � VMP61NE) (1106).00 Walmrs Kluwar Financial Sarvicas Page 2 of 77