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�0120�97� <br />, <br />(C) "Lender"isBank of the West, a California state banking corp. <br />Lender is a corporat ion <br />organized and e�cisting under the laws of The State of Cal i fornia <br />Lender's address is 13505 Cal ifornia St, NE-BBP-LL-P, Omaha, NE 68154 <br />(D) "Trustee" is Bank of the West , a Cal i fornia state banking corp. <br />(� "MERS" 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 t6e beneticiary 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 />(F) "Note" means the promissory note signed by Borrower and dated October 24 , 2012 . The Note <br />states that Borrower owes Lender One Hundred Sixteen Thousand And Zero/100 <br />Dollars (U. S. $116 , 000 . 00 ) plus interest. Borrower has promised to pay this debt in regulaz <br />Periodic Payments and to pay the debt in full not Iater than November O1 , 2027 . <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 charges and late charges due <br />under the Note, and all sums due under this Secwity Instrument, plus interest. <br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders <br />are to be ex�uted by Borrower [ch�k box as applicable]: <br />� Adjustable Rate Rider � Condominium Rider � Second Home Rider <br />0 Balloon Rider ❑ Planned Unit Development Rider 0 1-4 Family Rider <br />0 VA Rider � Biweekly Payment Rider 0 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 />(F� "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other <br />chazges that are imposed on Borrower or the Property by a condominium association, homeowners <br />association or similar organization. <br />(L) "Dectronic Funds Transfer" means any transfer,of funds, other than a transaction originated by check, <br />draft, or similar paper insttument, which is initiat�d Clirough an electronic terminal, telephonic instrument, <br />computer, or magnetic tape so as to order, irfstri�ct, or authorize a financial institution to debit or craiit 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 />8801343478 <br />N�RASKA•Single FamilyFannie M ae/Freddia M ec UNIFORM INSTRUM ENT W ITH M ERS <br />VMP p <br />Wotlere Kiuw er Flnanciai Servicea <br />�.�iC;i �17`:i. <br />,., �, <br />8801343478 <br />Form 3028 1/O1 <br />VMPBA(N� (110b) <br />Page 2 of 17 <br />� <br />