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201109441 (C) "Lender" is�LLS FARGO BANR, N.A. Lender is a NATIONAL ASSOCIATION organized and existing under the laws of THE uN�TED STATES , Lender's address is P.O. BOX 11701, NS4VARK, NJ 071014701 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is �sLLS FARGO FINANCIAL NATL BNR C/O SPLC. SERV. , PO SOIC 31557, BILLINGS, MT 59107 (E) "Note" means the promissory note signed by Bonower and dated NOVSI�BR 30, 2011 . The Note states that Bonower owes Lender SIXTY ONE THOIISAND THI2E8 HUNDRED TWENTY FTVE AND 32/100 Dollars(U.S. $****'*61,325.32 )plus interest. Bonower has promised to pay this debt in regulaz Periodic Payments and to pay the debt in full not later than DECEI�IDffit 01, 2026 . (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 chazges 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 a.re executed by Bonower. The following Riders are to be executed by Bonower[check box as applicable]: �Adjustable Rate Rider �Condominium Rider �Second Home Rider �Balloon Rider 0 Planned Unit Development Rider 0 1-4 Family Rider 0 VA Rider 0 Biweekly Payment Rider �Other(s) [sp�ify] (I) "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. (J) "Community Association Dues, Fees, and Assessments" means a11 dues, fees, assessments and other charges that are imposed on Bonower or the Property by a condominium association, homeowners association or similar 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, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, awazd 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 Property; (ii)condemnation or other taking of a11 or any part of the Properiy; (iii)conveyance in lieu of condemnation; or(iv)misrepresentations of, or omissions as to, the value and/or condition of the Propertv. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/O7 VMP� VMPBINE)(11051.00 Wolters Kluwer Financial Services • Page 2 of 17