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201200640 (C) "Lender" is8ank of the West, a Califomia state banking corp. Lender is a corporation organized and existing under the laws of The State of California [.ender's address is 13505 California St, NE-BSP-LL-P, Omaha, NS 68154 (D) "TPUStee" is Bank of the West, a California state banking corp. (E) "M ERS" 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 benet"iciary under this Security Instrument.MERS is organized and existing under the laa>s of Delaware,and has an address and telephone number of P.O. Box 2026,Flint,MI 48501-2026,tet (888)679-MERS. (F) "Note"meatts the promissory note si�ned 6y Borrower and dated January 18, 2012 .The Note states that Borrower owes Lender Eighty Nine Thousand And Zero/100 Dollars(U.S. $89,000.00 )plus interest.Borrotiver has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than February O1, 2027 . (G) "Property"means the properry that is described below under the l�eading"Transfer of Rights in the Property." (H) "Loan" means the debt evidenced by the Note,plus interest,viy prepayment charges and late charges due under the Note,and all sums due under this Security Instrument,plus interest. (I) "Riders"means all Riders to this Securiry Instrument that are executed by Boirower.The following Riders are to be executed by Borrower[checic box as applicable]: �Adjustable Rate Rider 0 Condominium Rider 0 Second Home Rider �Balloon Rider 0 Planned linit Development Rider 0 1-4 Family Rider �VA Rider 0 Biweekly Payment Rider 0 Other(s)[specify] (J) "Applieable Law" means all controlling applicable federal,state and local statutes,regulations, ordinances and administrative rules and orders(that have the cffect of law)as well as all applicable final, non-appealable judicial opinions. (K) "Community Association Dues, Fees, and Assessments" means all dues,fees,assessments aud other charges that are imposed on Borrower or the Property by a condominium association,homeowners association or similar organization. (L) "Electronic Punds Transfer"means any transfer of funds,other than a transaction originated by check, draft,or similar paper insmtment,which is initiaYed through an electronic Yenninal,telephonic instrumenC, computer,or ma�etic tape so as to arder,instruct,or authorize a financial institution to debit ar credit an account. Such term includes,but is not limited to,poini-of-sale transfers,automated teller macliine transactious,transfers initiated by telephone,wire transfexs,and automaced clearinghouse transfers. (M) "Escrow Items"means those items that are described in Section 3. BE01128567 8801128567 NEBRASKA-Single Famliy-Fannle Mae�Freddie Mac UNIFORM INSTRUMENT WITH MERS FcYm 3028 1i01 VMP� VMP6A�NE)(1705j Wolters Kluwer Flnancial Services pag°�o`17