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����W�i)� ( <br />(C) " of the Weat, a California state banking corp. <br />Lender is a corporation <br />organized and existing under the laws of The 3tate of California <br />Lender's address is 13505 California 3t, NE-BBP-LL-P, Omaha, N8 68154 <br />(D) "TruStee"is Bank of the West, a California atate banking corp. <br />(E) "M ERS" is Mortgage Electronic Registration Systems, Inc. MERS is a sepazate corporation that is acting <br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the bene�ciary 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 />(F) "Note" means the promissory note signed by Borrower and dated February 24, 2012 . T'he Note <br />states that Borrower owes Lender One Hundred Forty 3ix Thoueand And Zero/100 <br />Dol lars (U. S. $14 6, 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 01, 2042 . <br />(G) "Property" means the property that is described 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 chazges and late chazges due <br />under the Note, and all sums due under this Secwity Instrument, plus interest. <br />(I) °Rider'3" means all Riders to this Security Instrument that are executed by Bonower. The following Riders <br />aze to be executed by Borrower [check box as applicable]: <br />0 Adjustable Rate Rider 0 Condominium Rider 0 Second Home Rider <br />0 Balloon Rider � Planned Unit Development Rider � 1-4 Family Rider <br />� VA Rider � Biweekly Payment Rider 0 Other(s) [specify] <br />(J) "Appllcable Law" means all 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 />(K) "Community Assoclation 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 similar organization. <br />(L) "Electronlc Funds Transfe�" means any transfer of funds, other than a transaction originated by check, <br />draft, or similar paper instrument, which is initiated through an electronic terminal, 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 initiaYed by telephone, wire transfers, and automated clearinghouse transfers. <br />(M )"Escrow Items" means those items that aze described in Section 3. <br />8801181744 <br />N�RASKA•Single Femily-Fennie Mea/Freddia Mac UNIFORM INSTRUMENT WITH MERS <br />VMP p <br />Woltars Kluw ar Finencfel Services <br />8801181744 <br />Form 3028 1/01 <br />VMPBA(Nq (1105) <br />Paga 2 of 17 <br />�� <br />W' <br />