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� - 201200337 (C) "Lender" is Citibank,N.A. Lender is a Corporation orga�ized and existing under lhe laws ofthe United SYates . Lender's addressis1000 Technology Drive O'Fallon, MO 63368-2240 (D) "Trustee" is First American Title Company (� "MERS" is Mortgage Eleclronic Regislration Systems, Inc. ML,RS is a separate corpo�ation lhat is acling solely as a nominee for Lender ai�d Lender's successo�s and assigns. MERS is the baneficiary undae this Security Instrument. MERS is organized and existing under lhe laws of Delaware, and has an address and telephone number of P.O. Box 2026. Flinf, MI 48501-2026, teL (888) 679-MERS. (F) "NOte" mcans thc promissory note signed by Borrower and dated 7anuary 6, 2012 . The Note slates that Borruwer owes Lender One Hundred Fourteen Thousand Thtee Hundred Twenty Seven Dollars (L7.S. $114,327.00 ) plus interest. Borrower has prumised lo pay llils debl In re�tlar Periudic Paymenfs.md fu p:�y(he debt in full nol laler lhan February 1, 2027 . (G) °Property" meaas [he property thaf is descrIbecl below undcr thc hcading "Transfer of RighLti in the Property." (I-� "Loan" means the debt evidenced by the Nute, plus inlerest, any prepaymenL cLarges and late charges due under lhe Note, and all sums due under Q�is Security Instrument, plus interest. (I) "RdBrB" means all Riders to tliis Security Instrmnent that are executed by Borrower. The fnllowing Ridern are[o be executed 6y Borrnwer �check bnx as applicahle�: �Adjustable Ratc Rider � Condomiivam Rider [] Second Home Rider � �Balloon Itide� � Planned Urdt Development Rider � 1-4 Family Aider �VA Ridcr 0 Biweekly Paymenf Rider 0 Othcr(s) �specifyl Schedule"A" (J) "AppliCable L2w" means all controlling applicable fedeial, s[ate and local statutes, reg�ilations, ordinances and adm3uistrative rules and orders (that l�ave the effect of law) as wcll as all applicable final, non-appealable judici�l opinions. (K) "Community Association Dues, Fees, and Assessments" mcans all ducs, fccs, asscssn,ems and other charges that are imposed on Borrower or the Property by a condominium associetio�, hnmeuwners associalion or sunilar organizalion. (L) "DeCtfOniC Funds TI'an34eY" means any transfer of funds, other than a tiansactio� urigivaled by check, draft, or similar paper instniment, which is initiated througl� an electronlc [erminat, lelepl�onic instrume�t, computer, or magnefic taQe so as tn order, instruct, or authorize a financial instituNon tu debil ur �zedit an account Such term includes, 6ut is not limited to, poin[-of-sale teansfers, automated teller machine transxctions, lransfers initiated by telephone, wire transfers, a�d automated clearinghuuse transfers. (M) "F�CfOW Ite11'IS" means those items that are described in Seclinn 3. ooiizaezoaos Iooitzzoaoao5] NEBRASKASInqlc Famity-fannic MaMFretltlic Mac UNIFORM INSTRUMENT WITH MERS Porm 3028 1/01 VMP O VMP6P(NE)(/105).00 Wd[ers Kluwer Financial Serviws Paye 2 uf t]