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<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, N8-BBP-LL-P, Omaha, N$ 68154
<br />(D)'Trustee"is Bank of the Nest, a California state banking corp.
<br />(E) "HERS" is Mortgage Electronic Registration Systems, Inc. MFRS is a separate corporation that is
<br />acting solely as a nominee for Lender and Lender's successors and assigns. HERS is the beneficiary
<br />nnder this Security Instrument. HERS is organized and existing under the laws of Delaware, and has an
<br />address and telephone number of P.U. Box 2026, k'lint, MI 48501-2026, tel. (888) 679-HERS.
<br />(~ "Note" means the promissory note signed by Borrower and dated August 10, 2009
<br />The Note states that Borrower owes Lender Thirty Bight Thousand 11nd Zero/100
<br />Dollars
<br />(U. S. $ 38, 000.00 )plus interest. Borrower has promised to pay this debt in regular Periodic
<br />Payments and to pay the debt in full not later than September 01, 2039
<br />(G) "Property" means the property that is described below under the heading "`Transfer of Rights in the
<br />Property."
<br />(7~ "Caen" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges
<br />due 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. 'T'he following
<br />Riders are to be executed by Borrower [check box as applicable]:
<br />Adjustable Rate Rider 0 Condominium Rider ~ Second I•Iome Rider
<br />Balloon Rider 0 Planned Unit Development Rider ®1-4 Family Rider
<br />[] VA Rider ~ Biweekly Payment Rider [] Other(s) [specify]
<br />(d) "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 />(I~ "Community Assaciatian Dues, Fees, and Assessments" means all dues, fens, 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 Ftimds Transfer" means any transfer of funds, other than a transaction .originated by
<br />check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic
<br />instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit
<br />or credit an account. Such term includes, but is not limited to, point-af-sale transfers, automated teller
<br />machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse
<br />transfers.
<br />(1147 "Escrow Items" means those items that are described in Section 3.
<br />(1~ "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid
<br />by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i)
<br />damage to, or destruction of, the 17roperty; (ii) condemnation or other taking of all or any part of the
<br />Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the
<br />value and/or condition of the Property.
<br />(O) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on,
<br />the Loan.
<br />8800707248 8800707248
<br />NEBRASKA -Single Family -Fannie Mae/Fraddis Maa UNIFORM INSTRUMENT WITH J~(IERS
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