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, <br />(C) ° Lender" is Citbank, N.A, <br />Lender is a Corporation <br />organized and existing under We laws ofthe United States <br />Lender's address is10� Technology Drive O'Fallon, MO 63368-2240 <br />(D) "Trustee' is First Americ�n Titla Company <br />�0120�30� <br />(� ° M�S" 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 Inatrument. MERS is organized and exlsting under the laws of Delaware, and has an address and <br />telephone number of P.O. Box 2026, Fllnt, MI 48501-2026, tel. (888) 679-MERS. <br />(� "Note° means the promissory note signed by Borrower and dated March 27, 2012 . The Note <br />states Wat Borrower owes Lender One Hundred Thoueaad Three Hundred Five <br />Dallars (U.S. $100,305.00 ) plus interest. Bonower has prom9sed to pay this debt in regular <br />Periodic Payments and ta pay the debt in full not later than April l, 2042 . <br />(G) "Rropetty" means We property that is descrlbed below under We 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 9nterest. <br />(I) "I�lders' means all Riders to this Securlty Instrument that aa�e executed by Borrower. The following Riders <br />are to be executed by Borrower [check box as applicable]: <br />� Adjustable Rate Rider Condominium Rider 0 Second Home Rider <br />0 Balloon Rider � Planned Unit Development Itider O 1-4 Family Rider <br />� VA Rider � Biweekly Payment Rider �X Other(s) [specify] <br />�hedule "A� � <br />(J) 'AppllCeble Lew" means all controlling applicable federal, state and local statutes, regulaHons, ordinances <br />and administrative rules and orders (that have the effect of law) as well as all applicable flnal, non-appealable <br />judicial apinions. <br />(IQ "Community Assoclatlon Dues� �. and Assessments° means all dues, fees, assessments and other <br />charges that are imposed on Borrower or the Properhy by a condominium assoc9ation, homeowners <br />association or similar organizaHon. <br />(L) ° Bectronic Funds TrensFer' means any traasfer of funds, other than a transacflon odginated by check, <br />draft, or similar paper instrument, which �is 9nitiated through an electronic terminal, telephonic �instrument, <br />computer, or magnetic tape so as to order, instruct, or authorize a t3nancial institution to debit or credit an <br />acconnt. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine <br />transactions, transfers �nitiated by telephone, w7re transfers, and automated clearinghouse transfers. <br />(M) '° Escrow Items" means those items that are described in Section 3. <br />001122994783 Citlbank 3.2.59.07 V3 <br />NEBRASKA-Single FamOy-Farmle MaelFreddie Mac UNIFORM INSTRUMENT WITH MERS Form 3028 1/01 <br />VMP � VMP&A(N� (7105).00 <br />Wolters Kiuwer Flnandel Services Pege 2 of 17 <br />