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201006003
<br />(C)"Lender"is Sank 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, N$-SSP-LL-P, Omaha, NE 68154
<br />(D)'Trustee"is Sank of the West, a Califarnis state banking corp.
<br />(E) "HERS" is Mortgage F,lectronic 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 />under this Security Instrument. MFRS is organized and existing under the laws of Delaware, and has an
<br />address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tcl. (888) 679-MFRS.
<br />(F) "1~Tote" means the promissory note signed by Borrower and dated August 10, 2010
<br />The Note states that Borrower owes Lender Fifty Four Thousand Eight Hundred An,d
<br />Zero/100 Dollars
<br />(U.S. $ 54, 800.00 )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 O1, 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
<br />due under chc Note, and all sutras due under this Security Instrument, plus interest.
<br />(I) "Riders" means all Riders to this Security Instrument that arc cxcx:uted by Borrower. The following
<br />Riders are to be executed by Harrower [check box as applicable]:
<br />Adjustable Rate Rider ^ Condominium Rider ~ Second Home Rider
<br />[] Halloon Rider ~ Planned Unit Development Rider ~ 1-4 Family Rider
<br />VA Rider ^ Biweekly Payment Rider ~ Other(s) [specify]
<br />(.T) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations,
<br />ordinances and administrative rules and orders (Chat 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 Horrower or the Property by a condominium association, homeowners
<br />association or similar organization.
<br />(L) 'Zlectronic Funds Transfer" means any transfer of funds, other than a transaction originated by
<br />chtx;k, 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-of-sale transfers, automated teller
<br />machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse
<br />transfers.
<br />(M) "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 Property; (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 />(U) "Mortgage insurance" means insurance protecting Lender against the nonpayment of, or default on,
<br />the Loan.
<br />8800831266 88008312fi6
<br />NEBRASKA -Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH M S
<br />~•8A(NE) (0810) Page 2 of 16 Initials: Form 3028 1/01
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