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201201562 (C) "Lender" isBank of the West, a California state banking corp. Lender is a corporation organized and existing under the laws of The State of California Lender's address is 13505 California St, NE-BBP-LL-P, omaha, NE 68154 (D) "T�ustee" is Bank of the West, a California state banking corp. (E) "M ERS" is Mortgage Electronic Registration Systems,Ina MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the bene�ciary under this SecuriTy Instrument.MERS is organized and existing under the laws of Delaware,and has an address and telephone number of P_O. Rox 2026,Flint,MI 48501-2026,teL (888)679-MERS. (F) "Note"means the proxnissory note si��ed by Borrower and dated February 22, 2012 .Tl�e Note states that Borrower ow�es Lender Fifty Thousand And Zero/100 Dollars(U.S. $50,000.00 )plus interest. Borrower has promised to pay this debt in regular Periodic Payxnents and to pay the debt in full not later than March O1, 2027 . (G) "Property" means the properry that is described below under the heading"Transfer of Rights in the Property." (H) "Loan" means the debt evidcnccd by the Note,plus lnterest,airy prepayment charges and latc charges due under the Note,and all sums due under this Secwity Insuument,plus inYerest. (I) "Riders"means all Riders to this Security Instrument that aze executed by Borrower. The following Ridezs are to be executed by Borrower[check box as applicable]: 0 Adjustable Rate Rider 0 Condominium Rider �Second IIome Rider �Balloon Rider 0 Planned Unit Development Rider� 1-4 Pamily Rider ❑VA Rider �Biweekly Payment Rider 0 Other(s)[specify] (J) "Applicable Law" means all controlluig applicable federal, state and locat statutes;regulations, ordinances and administrative rules and orders(that have the effect of law)as well as all applicaUle final, non-appealable judicial opinions. (K) "Community Association Dues, Fees, and Assessments" means all dues,fees,assessments and other charees that are imposed on Borrower or the Property by a condominium association,homeo�nmers association or similar organization. (L) "Electronic Funds Transfer"meazis auy transfer of funds,other than a transaction originated by check, draft,or simifar paper instrument,whieh is initiated through an electronic terminal,telephonic instrumcnt, computer,or maa etic 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 transactious,transfers initiated by telephone,wire transfers,and automated clearinghouse transfers. (M� "Eserow Items"means those iteins that aze described in Section 3. 8801143364 8801143364 NEBRASKA-Single Fanity-Fann'�.e M aelFretldie M ac UNIFOftM INSTRUM ENT W ITH M ERS Form 3028 1101 VMP O VMPBA(NE)(1705j W olters Kluwer Financial Se•vices Pa9�2°i��