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2012039�� <br />(C) "Lende�"isBank of the West, a California state banking corp. <br />Lender is a corporat i on <br />organized and existing under the laws of The State of Cal i fornia <br />Lender'saddressis 13505 California St, NE-BBP-LL-P, Omaha, NE 68154 <br />(D) "Trustee"is Bank of the West, a California state banking corp. <br />(� "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. MER5 is the beneficiary nnder this <br />Secnrity Instrament. 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 />(Fj "Note" means the promissory note signed by $orrower and dated May 16 , 2012 . The Note <br />states that Botrower owes Lender Two Hundred Seven Thousand One Hundred And <br />Zero/100 <br />Dollazs (U. S. $ 207 , 100 . 00 ) plus interest. Borrower has promised to pay this debt in regulaz <br />Periodic Payments and to pay the debt in full not later than June O 1, 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 prepaymettt chazges and late chazges due <br />under the Note, and all sums due under ttus Security Instrument, plus interest. <br />(I) "Riders" means all Riders to this Security Instrument that aze executed by Borrower. The following Riders <br />aze to be executed by Borrower [check box as applicable]: <br />�] Adjustable Rate Rider � Condominium Rider [] Second Home Rider <br />0 Balloon Rider 0 Planned Unit Development Rider 0 1-4 Family Rider <br />0 VA R.ider 0 Biweekly Payment Rider 0 Other(s) [specify] <br />(J) "Applicable Law" means ali 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 Assoclatfon Dues, Fees, and Assessments" means all dues, fees, assessments and other <br />charges that are imposed on Bonower or the Property by a condominium association, hom�wners <br />association or similar organi7ation. <br />(L) "DectronlC Funds Trdnsfe�" means any transfer of funds, other than a transaction originated by check, <br />draft, or similaz paper instrument, which is initiated through an electtonic 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 Iimited 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 aze described in Section 3. <br />6807200799 8801200788 <br />NEBRASKASingle Femily-Fannle Mae/Freddie Mae UNIFORM INSTRUMENT WITH MERS Form 3028 7/01 <br />�� � VMPBA(Nq (1105) <br />WoNere Kluwer Ftnenctel Servtcea Pege 2 oi 1 r <br />