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ti0120�0�� <br />(C) "Lender" isBank of the West. a Cal9fornia state banking corp. <br />Lender is a corporati on <br />organized and existing under the laws of T h e S t a te 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 Californ9a state banking corp. <br />(E� "M ERS" is Mortgage Electronic Registration Systems, 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 benet3ciary under thia <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 />(� "Note" means the promissory note signed by Bonower and dated September 24 , 2012 . The Note <br />states that Bonower owes Lender Seventy Fi ve Thousand And Zero/100 <br />Dollazs (U. S. $ 7 5, 000 . 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 0 c t o b e r O 1, 2 04 2 . <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 chazges and late charges due <br />under the Note, and all sums due under this Security Instrument, plus interest. <br />(I) "Rlders" means a11 Riders to ttus Security Insirument that aze executed by Bonower. The following Riders <br />are to be executed by Bonower [ch�k box as applicable]: <br />0 Adjustable Rate Rider � Condominium Rider � Second Home Rider <br />0 Balloon Rider 0 Planned Unit Development Rider 0 1-4 Family Rider <br />� VA Rider � Biweekly Payment Rider 0 Other(s) [specify] <br />(J) "Appllcable Law" means all controlling applicable federal, state and local statutes, regulations, <br />ordinances and administrarive rules and orders (that have the effect of law) as well as all applicable final, <br />non-appealable judicial opinions. <br />(I� "Community Assoclation 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 similaz organization. <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 fmancial institution to debit or credit an <br />account. S�ch term includes, but is not limited to, point-of-sale transfers, automated teller maclune <br />transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. <br />(M )"Escrow Items" means those items that are described in Secrion 3. <br />8801311850 <br />N�RASKA-Single Femily-Fennie Mae/Freddie Mac UNIFORM INSTRUMENT WffH MH2S <br />VMP � <br />Wolters Kluwer Finenctel Servfees <br />8807311950 <br />Form 3028 1/01 <br />VMPBA(N� (1105) <br />Pege 2 of 1 r <br />�� <br />