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��1 5�67�� �C} "Lender" is Freedom Martgage Corporation . L�nder is a �orporat ion organiz�d and�xisting under�he Zaws af T�e 5 t ate v� New �er��y . Lender's address is 9 4 7 P leas ant Val ley Av Ste 3� Mount Laure 1, NJ �8�5 4 �D� "Trustee" i5 Nativnal Title Insurance nf New York� Inc. �E� "MERS" is Mortgage Electrani�Regis�ration Systems,inc. MERS is a separate carporation that is acting solely as a nomine�fvr Lender and Lender's successors and assigns. NiERS is#he benefi�iary under this Se�urity Instrument. MERS is arganized and existing under the laws of Delaware,and has an address and telephone number vf P.a. Bvx 2U�G,Flint,MI 485�1-2�26,tel. �588}�79-MERS. �F� "Note" means the pramissory nate signed hy Borrower and dated 5eptember 19. �415 .The Note states that Borrower owes Lender 5ixty Nine �housand Five Hundred Fvurteen and 4411�4 Dol�ars�U.S. $�9�514.0� }plu�interest. Borr�wer has pramised to pay this deht in regular P�riod�e Payments and to pay the debt zn fu��r�at later tha.n S�ptember 1� 2 4 4 4 . �G} '"Praperty" m�ans the property that i s described belaw under the heading "Transfer of Rights in the Property." �H� "L�an" means the debt e�ridenced by th�Note,plus interest, any prepayrnent charges and late charges due under�he l�o�e, and aI�surns due under this Security Ins�xurnent,p�€�s xn�eres�. ��} "Riders" means all Riders to this Security Instrument�hat are exe�uted by Borrower.The following Riders are to be executed by Barrower[check box as app�icable]: ❑Adjustabl�Rate Rider ❑Condominiurn Rider ❑Second Home R,ider �Balloan Rider �Pianned LTnit I]e�elvpmen�Rider Q �-4 Famiry Rider �VA Rider ❑Biweekly Payment Rider ��ther�s} [specify] {.1� "'A p p�ica ble La w" means a��cantrQ��2ng app�ica�le f�deral,5tate and�ocal s�atutes,regulations, ordinan�es and administra�i�e ruies and orders�that ha�e the effect of law}as well as a11 app�ical��e final, non-appealable juclicial opinions. �K} "Community Assoc�ation Dues, Fees, and Assessments" means a11 dues,f�es,assessments and other charges that are impased on Borrower or the Praperty b�a condominiurn assaciatinn,homeowners associatian or similar organization. �L} "E�ectronic Funds Transfer" means any transfer vf funds, other than a transactian ariginated by ch�ck, draf�, or similar paper instrument,which is initiated through an�lectron�c t�rminal,telephanic instrument, �omputer, ar magnetic tape so as to order,instruct,ar authorize a financial institution to debit or credit an a.ccount. 5uch term inc�udes, but�s not Iimited ta,point-of-sa�.e�ransfers, automated t�Zler machine transactions,�ransfers initiated by�elephon�, wire transfers,an�i autamated clearinghause transfers. �M) "Es�row Items" means those items that are d�scribed in Section 3. 159266753 D4921�4?44 NESRASKA-Single Family-Fannis MaelFreddie Mac UNIF�RM INS'fRUM��1T WITH MERS Form 3n�8 i1�1 VMP� VMPfiA�NE][�3a2).Qa Walters Kluwer Financial 5err►ices Rage 2 af 17 r