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��15���53
<br /> �E} "MERS�' is Mortgage Electronic Registra�zon Sys�ems, ��.c. MERS is a separate corp�ra�ion that is acting
<br /> so�e�y as a nom�nee for Lender ar�d Lender's successors and ass�gns. MERS is the benef�ciary under this Securi�y
<br /> Instrument. MERS�s orgar��zed and exis�ing under the�aws of Dela�rare, and has an address and t�lephone nunZber
<br /> af P.�. Btix ZD2�, F�in�, MI 485��-2�26, tel. �888} 679�MERS.
<br /> �F� "Note"means the pra�nissory no�e signed by Barrovver and da�cd D E�EMB ER 3�, �014 .
<br /> The Na�e s�a�es�hat Borrovver o�es Lcnder QNE HLTNDRE� FC]RTY-F�UR TH�USAND F'�UR
<br /> HUNDRED F'I FTY AND o o�10 o Do��ars �TJ.5. $ l 4 4 ,4 5� . �� }p1u� in�erest.
<br /> Barrow�r has promised ta pay this debt in regular periodr� Payments and �o pay th� d�bt �n fuli not lat�r than
<br /> JANUARY �., ��4�
<br /> �G} T'Prop�r�y"means�he property�ha��s descr�bed b�low under�he heading"Transfer of Righ�s in th�Property,"
<br /> �H) "Loan�'n�eans�he de��e��den�ed by�he No�e,plus interest, any prepaym�n�charges and�a�e charges due und�r
<br /> the Nate, and all sums due under this Secur�ty�nstruz�rzen�, p�us in�:eres�.
<br /> �I} "Riders"zneans a��Riders to this Security Instrume�t�hat are execu�ed by Borrower. The fo�lovsring R�ders are
<br /> �a be execu�ed�y B�rrower �checl�box as applicable];
<br /> [] Adjustable Ra�e Rider C] Plar�.ned�C_3nit Developmen�Rider
<br /> [T] Bai�oon�tider [] Biuree��ly Paymen�Ri.der
<br /> [� 1-4 Famrly R�der [� Second Hozne R�der
<br /> � �ondominium Rider [] �ther�s� [specify]
<br /> �� rrApp��cable Law�'means al1 con�ro�l�ng app�xcable federaX, s�a�e and�acal sta�utes,regu�a�ions, ordinances and
<br /> administra��ve rules and orders �tha�ha�e the effec�of�a�u� as wel� as a11 applica�le f�na1, nfln-appealab�e judic�ai
<br /> opin�ons.
<br /> (I�3 "�ommuni�y Assoc�a�ion Dues, Fees, and Assessments"means all dues, fe�s, ass�ssmen�s and a�her charges
<br /> that are impased on Borro�uer nr �he Property by a condominium associat�on, homeo�vners association or sim��ar
<br /> argan�za�ion.
<br /> �L} iTE�ec�ronic Funds Transfer'�means any transfer of funds, o�her than a�ransac�ion or�gi�aa�ed�y chec�, draft,
<br /> or s�mr�ar paper instrumen�, wh�ch is initiated fhrough an electron�c�erm�na�, te��pho���c �ns�rum�nt, compu�er, or
<br /> magnetic tap� so as to order, znstruct, or authori�e a financ�al �nstitution ta debi�or cred�t an a�caun�. Such �erm �
<br /> includes, bu�is not limi�ed �o, pn�n�-af-sa�e transfers, au�omated teller machrne�ransactiox�s, transfers �ni��ated by
<br /> telephone, wir��ransfers, and automat�d c�earinghouse transfers. -
<br /> (M} "Escrow I�ems"means�hose ztems tha�are described in Sectian 3.
<br /> (N3 r{M�isce��aneous Pro�eeds"means any c�mp�nsatiox�, settlemen�, award of damage�, or proceeds paid by any
<br /> �hird party �o�h�r �han �nsu�ran�e proc�eds paid under�he coverages described in Sec�ion 53 for: ��� dam.age�o, or �
<br /> destructian af, the Proper�y; �i�}cflndemnation or o�her talcing of a�l or any part of�h�Property; �iii� con�eyance in
<br /> �ieu af condemna�ion; or�iv} misrepre��nta�zons of, or amiss'rons as to, the value andlor condi�ion of�he Proper�y. ;
<br /> ��} 'rMor�gage Insuran�e"means insurance pro�ec�ing Lender agains�the nonpayment of, or defaul�on, �he Loan.
<br /> �P} "Perindic Paym�n�"xneans the regularly sch�duled amount due for ��� principa� and xnteres�under the No�e,
<br /> p�us (ii� any amounts ur�der Section 3 of�his Security�nstrumen�.
<br /> (Q} �rRESPA"means�h�Real Es�a�e Set��exnent Procedures Act �12 U.S.C. §Z6�1 et sey.� and its impi�men��ng
<br /> reguiation, Regulation X(1� C.F.R. Part �0�4}, as�hey nrzigh�be a�nended from time to time, or any addi�ional or
<br /> successor lcgis�at�on or regula�i�n tha� governs �he sam� sub�ec� ma��er. As used in this Security �ns�rumen�,
<br /> "RESPA" refers to al1 requzrements and res�r�c��ons�ha�are�mposed in regard�o a"federally re�a�ed m.ortgage loan" .
<br /> even if�he Laan do�s no�qualify as a"federally reia�ed mor�gage loan" under RESPA,
<br /> NESRASKA--�Single Family--Fannie MaelFreddie Mac �NIFORM fNSTRUMENT w MERS ,��c�a��c a
<br /> Form 3a28 �1�� Page 2 of 15 �ww.rlocmagic.corrr
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