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20�206895 <br />(C) "Lende�"isBank of the West, a California state banking corp. <br />Lender is a corporat ion <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 S�stems, 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 beae�ciary under this <br />Security Instrument. MERS is organized and existing under the laws of Delawaze, 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 August 17 , 2012 . The Note <br />states that Borrower owes Lender One Hundred F i f ty E i ght Thousand And Zero/ 100 <br />Dollars (LJ. S. $158 , 000 . 00 ) plus intere5t. Bonower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than September O1 . 2042 . <br />(G) "Pr'operty" means the property that is d�cribed 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 chazges due <br />under the Note, and a11 sums due under this Security Instrument, plus interest. <br />(I) "Riders" me,ans all Riders to this Security Instrument that are executed by Bonower. T'he following Riders <br />are to be executed by Borrower [check box as applicable]: <br />� Adjustab(e Rate Rider � Condominium Rider 0 Second Home Rider <br />0 Balloon Rider � Planned Unit Development Rider 0 1-4 Family Rider <br />� VA Rider 0 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 Assoclation Dues, Fees, and Assessments" means all dues, fees, assessments and other <br />charges that aze imposed on Borrower or the Property by a condominium association, homeowners <br />association or similar organi�ation. <br />(L) "Dectronic 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 aze described in Section 3. <br />B801283884 <br />N�RASKA-Single Famiry•Fennie Mae/Freddia Mee UNIFORM INSTRUMENT WITH MERS <br />VMP � <br />Woltera Kluwer Finenclal Servicea <br />8801283884 <br />Form 3028 1/01 <br />VMPBA(NE) (1105) <br />Pege 2 of 17 <br />Q� G <br />