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��14��731 <br /> �C} "Lender"�sC�Ul�ken Loans In�. <br /> . <br /> Lender is a �orp�rati on <br /> organized and exis�ing under the lavvs of t h e S t a te o f M i c h i g a n . <br /> Lender's address is 1a5� Woo�war�d Ave, D�troi t, MI 4$���-190� <br /> �D} "Trustee" is Fi rst American T�t�e <br /> �E� "MERS" is Mortgage E�ectroni�Registratian Systems, Inc. MERS is a separate corporation that is acting <br /> solely as a nominee for L�n.der and Lender's su�cessors and assigns. ME1�S is the beneficiary under this <br /> Security Instrument. MERS is organized a�d existing�nder the lativs of Delaware, and has an address and <br /> telephone number of P.�. Box 2���,F1int,M�485�1-Zfl2�,tel. (888}�79-MERS. <br /> �F} "N ote'� means the promissor�r note sign�d by Borrower and dated �c t o b e r 17, 2�14 . The Note <br /> states that Borrower owes Len.der 5 e V e n ty F�V� Th�u S a n d a n d ��11�� <br /> Dollars�LJ.S. $ ��,���.Q� }plus interest. �orro�er has promised to pay this debt in regular <br /> Period�c Payments and to pay the debt in fu1�not later than N o v em b e r 1, ���� . <br /> �G} "P'roperty"means the property that is described b�1ow under�he heading"Transfer of Rights in the <br /> T'roper�." <br /> �H� "Loan"means th�debt e�idenced by the Note, plus interest, any prepayment chaxges and late charges due <br /> under�he Not�,and a11 su�ns d�e under this�ecurity Instrument,plus inter�st, <br /> �I} "Riders"means a11 Riders to�his Security�nstrum�nt that are executed by Borrower. The following Riders <br /> are to be executed by Borrovver[check box as applicab�e�: <br /> �Adjustable Rate Rider 0�ondominium T�ider 0 Second Home Rider <br /> 0 Balloon Rider 0 Planned Unxt Deve�opmen�Rider � 1-4 Family Rider <br /> 0�A Rider � Biwe�kly Payment Rider ��ther(s� [specify] <br /> Legal Attached <br /> �J} "ApplieableLaw" means a11�ontro��ing applicable federal, sta.te and 1oca1�tatutes, regula�ions, <br /> ardinances and administrative rules and arders�that ha�e the effect of la�r�a�we11 as a11 app�icable finat, <br /> non-appealable judicia�api�ians. <br /> �I�[} "�om m u n ity Assoe�ation Du�s, Fees,and Ass�ssments�'means a��dues, fees, assessments and other <br /> charges that are imposed on Borrower or the Property by a ca�.domin�um association,homeo�vners <br /> association or similar organization. <br /> �L} "ElectronicFundsTransfier"means any transfer of funds, other than a transaction originated by check, <br /> draft,or similar paper instrument,which i�initiated through an e�ec�ranic terminal,telephonic instrume�tt, <br /> computer,or magne��c tape so as to order, instruct,or authoriz�a financial institution to debit or credit an <br /> account. Such term includes,but is not limited to,point-of-sa1�transfers,automated teller machine <br /> transactions,transfers initiated by telephane,wire transfers,and automated clearinghouse�ransfers. <br /> �M} "Eserovre Items"means those items that are described in Section 3. <br /> � ��� �� <br /> NE6RASKA�ingle Family-Fannie MaelFreddie Mac LINIFORM IN5TRLIMENT WITH MERS � Form 3428 11�1 <br /> VMP� VMP6A(NE}(1342}.44 <br /> Wvlter�Kluwer Financial Sen�ices Page 2 of 17 <br /> q4333��5�914 4233 2�7 �217 <br />