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�012Q902� <br />(C) "Lender" is Bank of the West, a Cal i forni a state banki ng corp. <br />Lender is a corporati on <br />organized and existing under the laws of T h e S t d t e o f C a 1 i f o r n 1 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 />(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 beneFciary 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 Bonower and dated OCtober 26 . 2012 . The Note <br />states that Bonower owes Lender One Hundred Forty Ei ght Thousand Si x Hundred <br />Seventy Five And Zero/100 <br />Dollazs (LT. S. $148 , 6 7 5. 0 0 ) plus interest. Borrower has promised to pay this debt in regulaz <br />Periodic Payments and to pay the debt in full not later than November O1, 2042 . <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 S�urity 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 executed by Borrower [check box as applicable]: <br />� Adjustable Rate Rider 0 Condominium Rider � Second Home Rider <br />❑ Balloon Rider ❑ Planned Unit Development Rider ❑ 1-4 Family Rider <br />� VA Rider � Biw�kly Payment Rider � Other(s) [specify] <br />(J) "Applicable Law" means all controlling agpliqa�le ferieral, 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 />(K) "Community Association Dues, Fees, and Asseessments" means all dues, fees, assessments and other <br />chazges that are imposed on Bonower or the Property by a condominium association, hom�wners <br />association or similar organization. <br />(y "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 instrument, <br />computer, or magnetic tape so as to order, instruct, or authorize a financial institution 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 are described in Section 3. <br />8801301267 <br />NEBRASKA-SingleFamily-FannleMae/FreddleMac UNIFORM INSTRUMENT WITH MERS <br />VMP � <br />Wolters Kluwer Flnanclal Servlces <br />8801301261 <br />Form 3028 1/O1 <br />VMP6A(NEJ (1105) <br />Page 2 ot 7 7 <br />� , <br />