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After Recording Return To: <br />OPEN MORTGAGE, LLC <br />14101 HIGHWAY 290 WEST, <br />BUILDING 1300 <br />AUSTIN, TX 78737 <br />DEFINITIONS <br />f'-'' Adjustable Rate Rider <br />171 Balloon Rider <br />l 1 -4 Family Rider <br />[Space Above This Line For Recording Datal <br />DEED OF TRUST <br />r■ Condominium Rider <br />f1 Planned Unit Development Rider <br />fI Biweekly Payment Rider <br />_ `' C D N <br />D (., Z --{ .. <br />r" ' c= --i rn C7 In <br />C I ni <br />Q T, CO 0 <br />l/ l T r c ~� <br />r :? C r i <br />CO Y <br />co 73 <br />C X) -- 3 <br />V) <br />6) <br />Loan Number: 577- 00000202 c <br />2 . Ob <br />MIN: 100598657713030099 <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, <br />13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. <br />(A) "Security Instrument" means this document, which is dated JUNE 03, 2013, together with all Riders to this <br />document. <br />(B) "Borrower" is JANA K. KRAMER F/N /A JANA MARCO AND SPOUSE, ZACHARY F. KRAMER. <br />Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is OPEN MORTGAGE, LLC. Lender is a LIMITED LIABILITY COMPANY organized and <br />existing under the laws of TEXAS. Lender's address is 14101 HIGHWAY 290 WEST, BUILDING 1300, <br />AUSTIN, TX 78737. <br />(D) "Trustee" is FIRST AMERICAN TITLE INSURANCE COMPANY, 7360 BRYAN DAIRY RD., SUITE <br />200, LARGO, FL 33777. <br />(E) "MERS" 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 Security <br />Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number <br />of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679 -MERS. <br />(F) "Note" means the promissory note signed by Borrower and dated JUNE 03, 2013. The Note states that <br />Borrower owes Lender Eighty -Eight Thousand Six Hundred And No /100 Dollars (U.S. $88,600.00) plus <br />interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later <br />than JUNE 01, 2028. <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the 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 interest. <br />(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are <br />to be executed by Borrower [check box as applicable]: <br />f! Second Home Rider <br />Fl Other(s) [specify] <br />(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and <br />administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial <br />opinions. <br />Initials:) Z <br />NERRASKA-- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT , Form 3028 1 /01 (page / of /3 pages) <br />C <br />