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��14�5��5 <br /> �C� "Lender" �s �iti�ank, N.A. <br /> . <br /> L�nd�r is a Corp�rati�n <br /> organized and existing under the �aw��f the United States . <br /> Lender's address is1�Q�Technology ari�e�'Fallan, MC] 633�8�24Q <br /> . <br /> �D} "T�ustee" is First American Title Company � <br /> . <br /> �E} "M ERS" is Mortga�e Electr�n�c R�gistra�ivn Systems. Inc. M ERS is a �eparat� eorparati4n that is act�ng <br /> solely a� a n�minee for Len�er and Lender's su�cessors and as5igns. M E RS is the �eneficiary under this <br /> S�curity Instrument. M ERS is organized and ex��ting under the laws of De�awar�. and has an address and <br /> telephvne numbe�of P,�. Box 2�Zfi, Flint, M�4$541�a�fi. tel. �$88}579-�All ERS. <br /> �F} "Note" means the promissory nvt�signed by B�rr�we�and da�ed December 22, �Q14 . Th� Note <br /> states t�at B�rrower owes Lender Ninety 5e�en Thousand <br /> D�I�ars�U.S. �97,�D4.�4 � plus in�er��t. Ba�rowQr has prornised to pay this debt in regular <br /> Peri�dic Payments and to pay the debt in fu�l not later than�anuary 1, �D35 . <br /> �G� "Property" m�ans the proper�y �hat is described bel�w under the heading "Transfer of Rights in the <br /> Pcaperty.'. <br /> {H} "�aan" means th� debt e�idenced by the Nvte. pius interest, any prepayment eharges and la�e eharges�ue <br /> under the Nate, and ail sums due�under this 5e�u�-i�y Inst�ument� p�us intere�t. <br /> �I} "Riders" means all Riders to this Se�urity Instrument that are�xecuted by Borrvvrrer. The faflowing Riders <br /> are to be ex�cuted �y Borrower[eheCk box as appl i�ahle]: <br /> []Ad�ustab�e Rate Rider 0 Condominium R�der [�5econd Home Rider <br /> [� Ballvon R�der ❑ Planned Unit De►►e�opmen� Ri�er � 1�4 Family Rider <br /> 0 VA R�der [] Biweekiy Payrnent Rfder 0�th�r�s� [specify] <br /> 5chedule "q" <br /> �} "Applieable �aw" �neans al� tantr�l�ing applicahle f�dera#, state and �o�al s�atuteS, regulations, ord�nan�es <br /> and adminis#rati�e rules and order��that ha�e the effe�t of law}a�weil as ali applicable final, n�n-appealable <br /> judicial apini�ns. <br /> ��} "Community Assaciatifln Du�s. Fees, and Assessments" means all dues, f�es, assessments an� other <br /> charges that a�e impased on Borrawer or the Property by a condomin�um assa�iatinn, hameawners <br /> a�soeiativn ar s�milar a�ganizativn. <br /> {�} "Elettranit Funds Tr�nsfier" m�ans any transfer of fun�s, other than a transac�ian �riginated by chQckr <br /> draft� or similar paper instrument, whi�h i� initiat�d through a� e�ectr�nic terminai. teleph�nic in�trument, <br /> computer, �r magnetit ta�e s� a� t� �rder, instruct, ar authorize a finan��al institu�ion to debit or �redit an <br /> attaunt. Such term inc�udes, hu� is not limited ��, p�int-�f�ale transf�rs, automated tel�er machine <br /> tran5actions, transfers ini�ia�ed by teleph�ne.wire transfers, and automated clearinghause transfers. <br /> �M) "Esc�Qw It�ms" r�eans those items that are described in Set�ion 3. <br /> 0�1124�3'�334 Citibank 3.2.87,09 V3 <br /> N�BFtASKA3ingle�amilyfannie MaelFreddie Mac tlNIFDRM iNSTRUMENT WITH MERS Fam 3028 1101 <br /> VMP Q VMP6►4�N�](130�).DO <br /> Wnfters K�uwe�Financial 5�r►i9c�s Page�vf 77 <br />