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201200826 (C) "Lender" isBank of the west, a California state banking corp. Lender is a corporation organized and existing under the la�vs of The State of California Lender's address is 13505 California St, NS-BSP-LL-P, Omaha, NE 68154 (D) "Trustee�� is Bank of the West, a California state banking corp. (� "M ERS" is MorTgage Electronic Registration Systems,Inc.MERS is a separate corporation that is acting solely as a nominee for Lander and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing imder the laws of Delawaze,and has an address and telephone number of PA.Box 2026, Flint,MI 48501-2026,teL (888)679-MERS. (F) "Note"means the promissory note si�ed by Borrower and dated Januaxy 26, 2012 . The Note states that Borrower owes Lender Eighty Three Thousand And Zero/100 Dollars(U.S. $83,000.00 )plus interest.Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than February 01, 2024 . (G) "Property"means the properry that is described below under the heading"Transfer of Rights in the Property." (H) "Loan"meaus the debt evidenced by the Note,plus interest,vry prepayment charges and late chazges due under the Note,aud all sums due under this Securiry Ins[rumen[,plus interest. (I) "Riders"ineans all Riders to this Sccurity Instrument chat are executed by Borrower. The following Riders are to be executed by Borrower[check box as applicable]: �Adjustable Rate Rider �Condominium Rider �5econd Home Rider �Balloon Rider 0 Planned Unit Development Rider�1-4 Family Rider �VA Rider �Siweekly Payment Rider 0 Other(s)[specify] (J) "Applicable Law" meai�s 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, uon-appealablejudicial opinions. (K) "Community Associati0n DUeS, Fees, and Assessments" means ail dues,fees,assessments and other charges that are imposed on Borrower or the Property by a condominium association,homeowners association or similar organization. (L) "EleCtronic Funds Transfer' means any h-ansfer of funds,other thui a hansaction origivated by check, clraft,or similar paper instrutnent,wliich is initiated through an electronic terminal,telephonic instrument, computer,or magnetic tape so as to arder,instruct,or authorize a financial insutudon to debit or credit an account.Such tern�includes,but is not limited to,point-of-sale transfers,automated teller machine transactions,trausfers initiated by telephone,wire transfers,and automated clearinghouse transfers. (M) "Escrow Items"means those items that are described in Section 3. 8801142747 6801142747 NEBRASKA-Single Family-Fann.ie MaaiFreddie Mac UNIFORM INSTRUf.fENT WITH PAERS Form 3028�IDi VMP Q VMPfiA(NE)(t 145) W oiters Kluw er Financial 5ervices Pege 2 of'�.]