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201303543 <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's address is 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 April 25, 2013 . The Note <br /> states that Borrower owes Lender One Hundred Seven Thousand And Zero/100 <br /> Dollars(U.S. $107,000.00 )plus interest. Borrower has promised to pay this debt in regular <br /> Periodic Payments and to pay the debt in full not later than May 01, 2041 <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 /> I I Adjustable Rate Rider I I Condominium Rider I I Second Home Rider <br /> I I Balloon Rider I I Planned Unit Development Rider I I 1-4 Family Rider <br /> 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 /> 8801443129 8801443129 <br /> NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3028 1/01 <br /> VMP® VMP6A(NE)(11051 <br /> Wolters Kluwer Financial Services Page 2 01 17 <br />