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201200149 (C) "Lender" is Citibank, N.A. Lender is a Corporation organized and existing under the laws ofthe United States Lender's address is1000 T�hnology Dtive O'Fallon, MO 63368-2240 (D) "Trustee" is First American Title Company (� "M�S" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrum�t. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (F� "Note" means the promissory note signed by Borrower and dated December 30, 2011 . The Note states that Borrower owes Lender Sixty Eight Thousand Two Hundred Seventy Seven Dollars (U.S. $68,277.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than February 1, 2032 . (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F� "Loen" means We debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due nnder this Security Instrument, plus interest. (I) "I�ders" means all Riders to this Securlty Instrument that are executed by Borrower. The following Riders are to be executed by Bonower [check box as applicable]: � Adjustable Rate Rider 0 Condominium Rider � Second Home Rider � Balloon Rider � Planned Unit Development Rider � 1-4 Family Rider 0 VA Rider � Biweekly Payment Rider �X Other(s) [specify] Schedule "A" (J) "Applicable L.aw" means all controlling applicable federal, state and local statutes, regulations, ordinances and administraflve rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (In "Community Association Dues, Fees, and Assessments" means a11 dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium associaHon, homeowners associaflon or similar organization. (L) "Bectronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, w}uch is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearInghouse transfers. (M) "Escrow Items" means those items that are described in Section 3. 001 1 2 27 71 89 4 Ckibank 3.2.53.12 V7 NEBRASKA-Single Famlly-Fennle Mae/Freddle Mac UNIFORM INSTRUMENT WITH MERS Form 3028 1/01 VMP � VMP6A(N� (1105).00 Wolters Kluwer Finencial Services Paga 2 of 17