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��15��937 4C� "Lender"is�ui ck�n Lo�nS In�. . • Len�.er�s a �orporat�on �rgan�zed and existing under the lavvs o f t h� S t a t e o f M�c h i g a r� . Lend��'�address is �.�5� �oodward Ave, �3��ro�t, MI �82��-1�� . �a} �T�ustee�is Fi rst Am�r��r� �i�tl e . �E� "AiIERS" is Mortgage Electronic Registrat�on Systems, I.r,c. MERS is a separate corporation that is acting solely as a naminee for Lender and L�nder's successors and ass�gns. MERS is the bene�cia�~y under this Security Instrument. MERS �s organi.z�d and existing under the�av�s of Delaware, and has an address and teiephone number of P.D.Box 2a26,Flint,lV�I 485a1-2��6,tel. �888��79-MERS. . (F� "Note" means the promiss�ry nate signed by Borrawer and dated Ap r� 1 �, l� . The N�t� s�ates that Borrower o�res Lender TWQ H U n C�r�� T�i� Th Q U S a n C� F D U i" H U�l d r�� Fift� and ��11Da Da�lars[U.S. $ �d�,��.�� p�us i�terest.Borrotiver has promised to pay this debt in regu�ar �eriodic Payments an�l�o pay�he debt in full not later than �un L 1, ��4� . �G) "Prvp�rty"m�ans the praperty that is described below under�he heading"Tran�f�r�f Rights in the �raperty." �Hy "Lo�n"means the debt evidenced�y the No�e, p�u�interest, any prepayment charges and�ate�harges due under the Note,and ali sums due under th�s Secur�.ty Instrrument,plus interest. �� "Riders"means all Riders ta th�s 5ecurity Instrument that a,re executed by Borrow�r. �'he f�1l�vving Riders are ta be ex�cuted by�3orro�er[check bax aS app�i�ab�e�; [�Adju.s�able�ate Rider ��ondominium Rid�r 0 Secand Home itider . �Ba��oon Rider 0 Planued Un.it D��lopment Rider [� �-4�ami��Rider �VA Rider 0 Bi�veekt�y Payment R�der ��ther��}�specify� Le�al Attached �J} "Appli�t�a�eL.aw" ��ans a��controlling applicable fed�era�, stat�and local s�atutes, regu�ationS, ordinances and administrative rules and orders(t�a.t have the�ffect of Iaw}as wvell as all applicable fY�a��, non-appealable judicia�op�nions. �#'C� "�ommun�ty Assoc�at�onDues, Fees,�nd Assessments"means a�1 dues, fees, assessments and other charges that ar�impo�ed on Borrower flr the Froperty b�a cv�tiaminium a�ssociation,homeowners association or simila,r�rgani�at�on, �L} "��ectrar�i�Fund�TransferR me�ns any transfer of funds, other than a transaction originated by ch�ck, dra#�,ar si�i�ar paper instrun�ent,��iGb i5 initiatet�thT�7ug�i al��Ctr�n��t�rmula�,telephon�c instrument, computer,ar magnetic tape s�o as to o�der,instrtict,vr auth�ri�e a#�inancial instit�tion to debit�r cr�edit an account. Such term inc�udes,but is nvt I�mit�d to,paint-af-sale transfers,autvmated teller�achine transactions,transfers initiated by#.��ephone,wire transfers,and autamated clearinghouse transfers. �M� "�s�row Items"�eans those�tems that are d.esc�ibed in Section 3. NE9RAS�CA�ingle Famity-Fanrtie MaeJFr�eddie Mac UNiF�RM 1}V5TRl�MENT 11V1TH MERS Form 3428 1fU� VMP� VMPFA(NE)(1342].40 V�lotte�s#{�uwe�Fknanc�al Sesvi�es Page 2 ofi 1? q�3339915��1 �233 3 6 D21?