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�01207735 <br />(C) "Lender"isBank of the West. a California state banking corp. <br />Lender is a corporati on <br />organized and existing under the laws of T h e S t a t e o f C a 1 i f o r n i a <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 corporaiion 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 />(� "N ote" means the promissory note signed by Borrower and dated S e p t em b e r 14 , 2 012 . The Note <br />states that Borrower owes Lender E i g h ty On e Th o u s a n d An d Z e r o/ 10 0 <br />Dollazs (iJ. S. $ 81. 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 0 ct o b e r O 1, 2 042 . <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Proparty �� <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 S�utity 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 />0 Adjustable Rate Rider � Condominium Rider 0 Second Home Rider <br />0 Balloon Rider � Planned Unit Development Rider � 1-4 Family Rider <br />� VA Rider � Biweekly Payment Rider � Other(s) [specify] <br />(J) "Applicable Law" means a11 controlling applicable federal, state and local statutes, regulations, <br />ordinances and administrative rul�s and orders (that have the effect of law) as well as all applicable final, <br />non-appealable judicial opinions. <br />(F� "Community Assocfation Dues, Fees, and Assessments" means a11 dues, fees, assessments and other <br />chazges that are imposed on Borrower or the Property by a condominium association, homeowners <br />association or similaz 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 instnunent, <br />computer, or magnetic tape so as to order, instruct, or authorize a financial insritution 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 />8801307809 <br />NEBRASKASing�e Family-Fannie M ee/Freddfe M ac UN IFORM INSTRUM ENT W ITH M ERS <br />VMP p <br />Woftare Kluwer Flnancial Services . <br />BB01307809 <br />Form 3028 1/01 <br />VMP6A(NE) (1105) <br />Page 2 of 17` <br />� � <br />