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201204122 <br />(C) "Lender" isBank of the West, a California state banking corp. <br />Lender is a corporation <br />organized and existing under the laws of The State of Cal if or ni a <br />Lender's address is 13505 Cal i forni a St, NE-BBP-LL-P, Omaha, NE 68154 <br />(D) "Trustee" is Bank of the West, a California state 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 />(F) "Note" means the promissory note signed by Borrower and dated May 17 , 2012 The Note <br />states that Borrower owes Lender Two Hundred Twenty Seven Thousand Fi ve Hundred And <br />Zero/100 <br />Dollars (U.S. $227,500.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than J u n e O 1 , 2 0 2 7 <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 charges and late charges due <br />under the Note, and all sums due under this Security Instrument, plus interest. <br />(1) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders <br />are to be executed by Borrower [check box as applicable]: <br />Adjustable Rate Rider E__1 Condominium Rider 0 Second Home Rider <br />Balloon Rider Planned Unit Development Rider 1-4 Family Rider <br />0 VA Rider Biweekly Payment Rider Other(s) [specify] <br />(J) "Applicable 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 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 similar 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 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 initiated by telephone, wire transfers, and automated clearinghouse transfers. <br />(M) "Escrow Items" means those items that are described in Section 3. <br />8801211885 8801211885 <br />NEBRASKA -Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Farm 30281/01 <br />VMPWolltcC Kluwer Financial Services VM P6Page)21 f017 <br />