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�4�2Q�264 (C) "Lender'is6ank of the West. a Cal9fornia state banking corp. Lender is a corporati on organized and eacisting under the laws of T h e S t a t e o f C a 1 i f o r n i a Lender'saddressis 13505 California St. NE-BBP-LL-P. Omaha. NE 68154 (D) "Trustee" is Bank of the West. a California state bank9ng corp. (E' "M ERS" is Mortgage Electronic Registrarion 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 existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flittt, MI 48501-2026, tel. (888) 679-MERS. (� "Note" means the promissory note signed by Borrower and dated OCtobe r 03 . 2012 . The Note states that Borrower owes Lender One Hundred Thi rty Two Thousand Seven Hundred Fifty And Zero/100 Dollars (LJ.S. $132 . 750 . 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than 0 C t o b e r O 1, 2 04 2 . (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 sums due under tlus Security Instrument, plus interest. (I) "Rlders" means all Riders to this Security Instrument that are executed by Bonower. The following Riders are to be executed by Bonower [check box as applicable]: � Adjustable Rate Rider � Condominium Rider 0 Second Home Rider � Balloon Rider � Planned Unit Development Rider � 1-4 Family Rider � VA Rider � Biweekly Payment Rider � Other(s) [specify] (J) "Appllcable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrarive rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (K) "Community Assoclatlon Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are impose3 on Bonower or the Property by a condominium association, homeowners association or similaz organi�ation. (L) "�ectronlc Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similaz paper instrument, which is initiated through an electronic tenninal, telephonic instrument, computer, or magnetic tape so as to order, instruct�. ox authorize a fmancial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machiae transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (M )"Escrow Items" means those items that aze described in Section 3. 8801277201 NEBRASKASingle Femily-Fannie MeelFreddia Mee UN�FORM INSTRUMENT WRH MERS VMP � Woltera Kluwer Flneneiel Servicea 8801277201 Farm 3028 1/07 VMPBA(N� (1105) Pege 2 of 17 �