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�0120�7 (C) "Lender" is SIRVA Mortgage, inc. Lender is a Corporation organized and existing under the laws of the State of Ohio Lender's address is 6200 Oak Tree Blvd. , Suite 300 Independence, OH 44131 (D) " Trustee" is Stewart Title Guaranty Company (E) "M ERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender' s successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and eacisting under the laws 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 Bonower and dated September 17 , 2012 . The Note states that Bortower owes Lender two hundred twenty-one thousand sixty-two and 00/100 Dollazs (U. S. $ 221, 0 62 . 0 0 ) plus interest. Bonower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than October 1, 2042 . (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all suxns due under this Security Instrument, plus interest. (I) "Riders" means a11 Riders to this Security Instrument that aze executed by Borrower. The following Riders aze to be executed by Bonower [check box as applicable]: 0 Adjustable Rate Rider 0 Copdominium Rider 0 Second Home Rider , 0 Balloon Rider � Planned Unit Development Rider � 1-4 Family Rider � VA Rider 0 Biweekly Payment Rider 0 Other(s) [specify] (J) "Applicable Law" means a11 controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as a11 applicable fina1, non-appealable judicial opinions. (K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Bonower or the Property by a condominium association, homeovcmers association or similar organization. (L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction ori�lll3ted by check, draft, or similar paper instrument, which is initiated through 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 machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (M )"Escrow Items" means those items that are described in Section 3. VA CASE#/LENDER LOAN# 34-34-6-0191285 / � 12-03154 NEBRASKA-SingleFamlly-FannieMae/FreddleMacUNIFORMINSTRUMENTWITHMERS Initials � Form30281101 VMP p VMP6A(NE) (1105) W olters Kluw er Financial Services ° Page 2 of 17