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201300196 <br /> (C) "Lender" is Bank of the West, a California state banking corp. <br /> Lender is a corporation <br /> organized and existing under the laws of The State of California <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 separate corporation that is acting <br /> solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary 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 January 04. 2013 . The Note <br /> states that Borrower owes Lender Two Hundred Thousand Six Hundred And Zero/100 <br /> Dollars(U.S. $200,600.00 )plus interest.Borrower has promised to pay this debt in regular <br /> Periodic Payments and to pay the debt in full not later than February 01. 2040 . <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 Security 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 I I Condominium Rider I I Second Home Rider <br /> Balloon Rider I-1 Planned Unit Development Rider I I 1-4 Family Rider <br /> Fl VA Rider I I Biweekly Payment Rider I I 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 /> (K) "Community Association 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 similar organization. <br /> (L) "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 /> 8801376775 8801376775 <br /> NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MESS Form 3028 110' <br /> VMS® VMPEA(NE)111051 <br /> Wolters Kluwer Financial Services Page 2 of 17 <br />