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201401367 (C) "Lende�" �s Citibank, N.A. Lender is a Corporation organized and e�sti�g under the laws af the United �tates - Lender's address is 1000 Technology Ihive O'Fa11on, MO 6336$-2.240 (D) "Trust�:e" is First American Title Company (� "MERS" is Mortgage Electranic Regis�ra�ion Systems, Inc. MERS is a separate corparation that is acting solely as a norninee for Lender and Lender's successars and assigns. MERS is the beneficiary wader this Security Instrument. MERS is organized and e�risting under fhe laws af DeIaware, and has an address and teiephane num�her of P.O. Box 2426, Flint, MI 48501-2026, tel. (888j 679-MERS. (� "Note" rneans the promissory nate signed by Borrower and dated March G, 2014 . The Note sfates that Borrower owes Lender Nioiety Four Thousand Fi�e Hundz�ed Twelve Dollars {L].S. $94,S12.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in fuli not later thanAprill, 2044 . (G) °PrOp�rty" means the property that is described below under the heading "Transfer of Rights in the Property." (H) "I_oa�t'" means the debt evidenced by tl�e Note, plus interest, any prepayment charges and late charges due under the Nate, and all sums due under this Secarity Instrument, plus interest_ (I) "Rider'S° means all Riders to this Security Instrument thafi are�xecuted hy Borrawer. The follawiztg Riders are to be executed by Borra�rer [check box as applicable]: [�Adjustable Rate Rider [�] Condaminium Rider [] Second Home Rider � Balloon Rider 0 Planned Unit Develnpmenk Rider 0 1-4 Fa�nily Rider OX VA Rider � Biweekty Payment Rider [�X Ot�er(s) [specify] Schedule"A" {J} "Applicable �..aw" means aXl cantrolling applicable federal, state and local stahstes, regulations, ordinances and adminzstrafi�ve rules and arders (that have the effect of law) as wEll as all applicable fir�al, non-appealable judicial opinions. {I� "Community Associat�on Dues, Fees, and Assessm�nts" means all dues, fees, assessments and ofher charges thak are lIT1�05Cd on Borrower or the Property by a condominium association, horneowners assaciation or si�ilar organization. {L) "BeC�ronic Funds Tr�rlsfer" means any transfer of funds, ather than a transaction originated by check, draft, or sirnilar paper instrument, which is initiated through an electro�►ic terminal, telephonic instrument, co�puter, or magnetic tape sa as to order, instruct, oar authorize a fnanciai institution to debit or credit an account. Suckt term includes, but is not limited to, point-of-sale transfers, automated telIer machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse iransfers. (M) "ESCrow I�ems" means those itezns that are described in Section 3. 00�123873783 [001t23$73783] 1VESRASKA-Single�amilyFannie MaelFredtlie Mac IiNIFORM EiJSTRif1NENT WETH lNERS Form 3028"I1Q1 �p� VhAP6A(PfE)(7302}.00 Wolters Kluwer Finaaciai Services Page 2 of 17