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��15��73� <br /> �C� "Lender"is �u�C k e n L aa�S I�C. <br /> . <br /> Lender is a �D�`p��'at10p <br /> . <br /> organ�zed aad existtng under the�a�rs af t � �a t� � �� 1�a n . <br /> Lend�r`s address is 1��� �O��Inta r� AV�', �Lt�`fll�. M I ������1��� <br /> �D� "Trustee"i�F�rst Arner'�c�n T�t�� <br /> 4 <br /> tE3 "M�ERS"�s Mortgage E��ctr�n��Registratian S�stems, Inc. MER.�is a separate corporat�an tha��s <br /> acting so�ely as a nomine�far Lender and Lender's �uccessars and a�signs. �ViER��s the�enefi�xar� <br /> under th�s�e�urrit�In��trument. MERS is�rganize�.and existing under the taws of De�a�vare, and has <br /> an addfess and t��ephone num�er of P.(�.F3ox��26,F�in�,MI��5�1^2�2�,te�. �888�579-11�ERS. <br /> �F� "N�te"rrzeans the promissory note s�gned by Bdrrower an.d dat�d S��t�m��r �4, �015.The Note <br /> sta.tes that B�rrower��e s Lender �p� H u n d r ed T h�r ty F��e T h�u s a n d F�r�e H u r�d r e� <br /> F�ve and �D�l�fl <br /> L3oi�ars�.S. � l 35,5��,�� }p�us intere�t.�orro�vver has promised ta pay'this debt�n regular <br /> Periadic Faymen�s and to pa�the debt in fuli not Iater tha.n dC t��]�r �> �Q4� . <br /> {�} "Property"means tbe praperty�hat xs described belo�r under th�head�ng"Transfer of l�i�hts in the <br /> Proper�y." <br /> �H} ��I�o�n"means the debt evidenced by�he�Tat�, plus�nteres�, and�ate charges due ur�der�the Note, and a�� <br /> sums due under this Security Instrument,p�us interest. <br /> �I} "itiders"rneans aI�Riders ta th�s Security�nstrument that are exe�uted by Borrawer. The follav�ing <br /> Ride�s are to be execut�d b�$orrav��r�chec�bnx�.s app��cab�e�: <br /> C]Adjusta��e�at�Rider 0�ondaminium Rid�r 0 p�anned Unit Develvpm�nt Rider <br /> C��th�r Leg�� Att��h ed <br /> 0 Rehabiiitati�n Loan Rider <br /> �J) "App�icab��Law"m�ans all controlling appl�ca��e federa.l, state and l��al s�a.tutes, r�gu�ation�, <br /> ord�nan�es and a.dministrative rules and orders(that have the ef#`ect af taw3 a�v�e�l as al�applxcai�Ie finaia <br /> nan-appea�able judicia�apin�o�ns. <br /> ��} "�timmunity A.ssoc�atfQn Dues, F�es,and�i�s��sm�nts"means al�du�s, f�e�, ass�s�ments and ather <br /> charges that are xmposed on Barrawer Qr th.e Proper�y b�a�ondorn�n�um association�hom�owners <br /> association or s�milar arganization. <br /> (L) "Electrvnic Funds Transfer"ameans�.ny�ransfer af funds, other than a txansaction�riginat�d by ch�c1�, <br /> draft,Qr s�miiar paper�ns�xument,vvhich�s�nitiated thr�ugh an electr�n�c term��.a�,�e�ephor�ic <br /> �nst�ume��t,camputer,or rnagn�tic tape so as tn ar�.er�instru�t,or authorize a fin.ancial institutian to <br /> deb�t or cred�t an accaunt. Su�h terim xn�lud�s,but i�n��[imited to,point-of-sale tran.sfers, automa�ed <br /> te��er machin�transaetions��ransfers initiatec�by te��phone,v�ir�transfers,and automated c��aringhouse <br /> tran�fers. <br /> FHA oeed 4f Tru�t With MERS-NE 9130f2�1� <br /> Bankers 5ystemsT� VMP� VMR�N[NEy[75dB).4� <br /> Walter�KlUwer F�nancial SeMtices Pa$e 2 af i 7 <br /> qa3346S1�85� 4233 3�9 ��17 <br />