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201201689 (C) ��Lende�� isBank of the West, a California state banking corp. Lender is a corporation organized and existine under the laws of The State of Cali£ornia � Lender's address is 13505 Cali£ornia St, NE-BBP-LL-P, Omaha, NE 68154 (D) '�Trustee�� is Bank of the West, a Cali£ornia state banking corp. (E) "M ERS" is Mortgage Electronic Registration Systems,Inc.MERS is a separa�e corporation that is acting solely as a nominee for Lender and Lender's successors and assigns.NiERS is the beneficiary under this Security Instrument.MERS is organized and existing under the taws of Delaware,and has an address and telephone number of P.O. Box 2026,Flint,MI 48501-2026,teL(888)679-MERS. (F) "Note" means the promissory note signed by Borrower and dated February 24, 2012 .The\ote states that Borrower owes Lender One Hundred Eighty Nine Thousand And Zero/100 Dollars(U.S. $189,000.00 )plus interest.Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than March O1, 2022 . {G) "Property" means the properry that is described below under the headine"Transfer of Riahts in the Property." (H) "Loan" means the debt evidenced by the\ote,plus interest, any prepayment cliarges and late charges due under the Note,and all sums due under this Security instrument,plus interest. (I) "Riders"means all Riders to this Security Instrument that are executed by Borrower. The followin�Riders are to be executed by Borrower[check box as applicable]: �Adjustable Rate Rider �Condominium Rider �Sewnd Home Rider 0 Balloon Rider �Planned Unit Development Rider�1-4 Family Rider �VA Rider 0 B�weekly Paymeilt Rider �Other(s)[specify] (J) "Applicable Law" means 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, non-appealable judicial opinions. (K) "Community Association Dues, Fees, and Assessments" maans all dues,fees,assessments and other charges that are imposed on Borrower or the Property by a condominium association,homeowners association or similar organization. (L) "EleCtronlC FUnds Transfer" means any transfer of funds,other than a trar�saction originated by check, draft,or similar paper instrument,which is initiated tl�rough an electronic terminal,telephonic instrument, computer, or magnetic 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 machioe eransactions,transfers initiated by telephone,wire transfers, and automated clearinghouse transfers. (M) "Eserow Items" means those items that are described in Section 3. 88�1159510 88011595'.0 NEBRASKA-Single Femily-Fannie MaelFretltlle Mac UNIFORM INSTRUMENT NIITH McRS Form 3028 1i01 VMP p vMPSn(Nq(��os) Wolters Kluwer Financisl Services Page 2 of 17