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2012008�� <br />(C) "Lender" of the Weat, a Califoraia state baaking corp. <br />Lender is a corporation <br />organized and existing under the laws of The State of California <br />Lender's address is 13505 California St, NS-SSP-LL-P, Omaha, NE 68154 <br />(D) "Tt'ustee" is Bank of the Tniest, a California etate banking corp. <br />(E) "M ERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting <br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this <br />Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and <br />telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. <br />(� "Note" means the promissory note signed by Borrower and dated February 01, 2012 . The Note <br />states that Borrower owes Lender One Hundred Thirty Two Thousaad And Zero/100 <br />Dollars (LT. S. $13 2, 0 0 0. 0 0 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than March O1, 2042 . <br />(G) "Property" means the properiy that is descriUed below under the heading "Transfer of Rights in the <br />Property." <br />(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due <br />under the Note, and all sums due under this Security Inslrument, plus interest. <br />(I) "Riders" means all Riders to this Security Instrument that aze executed by Borrower. The following Riders <br />are to be executed by Borrower [check box as applicable]: <br />0 Adjustable Rate Rider 0 Condominium Rider 0 Second Home Rider <br />� Balloon Rider ❑ Planned Unit Development Rider ❑ 1-4 Family Rider <br />� VA Rider � Biweekly Payrnent Rider � Other(s) [specify] <br />(J) "Applicable Law" means a11 controlling applicable federal, state and local statutes, regulations, <br />ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, <br />non-appealable judicial opinions. <br />(!� "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other <br />charges that are imposed on Borrower or the Property by a condominium association, homeowners <br />association or similaz organization. <br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, <br />draft, or similar paper instrument, which is initiated through an electronic temunal, telephonic instrument, <br />computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an <br />account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine <br />transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. <br />(M) "Escrow Items" means those items that are described in Section 3. <br />8801145731 <br />N�RASKASingle Family-Pennle Mae/Fredtlie Mac UNIFORM INSTRUMENT WITH MERS <br />VMP � <br />Woltera Kluwer Finencial Servicea <br />8801145731 <br />Form 3028 1/O1 <br />VMP6A(N� (11051 <br />Page 2 of 17 <br />�Z�� <br />� <br />/ <br />