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��1 5��748 <br /> �C) 'TLender"is Embrace Hame Loan�, [nc. <br /> Lender is a �vrp�rat�on <br /> or�anized and existing under the�aws of State af Rhvde I s�and . . <br /> Lender's address is �� Enterpr"r se Center, N�wpnrt, Rl U284� <br /> �]} �'Tru��ee"is F"r de I i ty Nat�ana I T i t I e �ompany, a Nehraska Cvrp. <br /> . <br /> �} '�MERS"is Mortgage EleC�r�n�c Registration 5ys��ms, Inc. MERS is a separate c�rparation that is <br /> acting s�le�y as a n�minee f�r Lender and Lender's success�rs and assigns. MERS is the heneficiary <br /> under this Se�urity Instrum ent. MERS is argani2ed and�xisting under the laws of Delavvare, and has <br /> an address and t�l�phone nu�nber of P.�. Box 2U�6, Flint, �I 485�1-�UZG, te1. �SS8�579�MERS. <br /> �� "Note'r means the promissory note sign�d by B�rrawer and dated S�ptember 2a, 2C3�5. The I�To�e <br /> stat�s that Borro��r�wes Lender ❑rte hund red th ree thousa nd s�ven nund red <br /> e i ghty-�f i ve and �C�I��� <br /> Do�lar��.S. $��3,785.�a }plus interest. Barrvwer has promised to pay this debti in regular <br /> Perivdic Pay�nents and to pay�he debt in full nat la�er�han �ctvher '1, 2�45 . <br /> ��} '�Property"means�he property that is des�ribed below under�he headvag "Transfer af Righ�s in the <br /> Prop�rty." <br /> �H} '�L�an"means�he del�t evidenc�d by the l�o�e, p�us in�erest, and late charges du�under�he N at�, and ali <br /> sums due und�r�his Se�uri�y Instrument, plus int�rest. <br /> (I� 'TRiders"means a�l Rid�rs to this Security Instrument that are executed l�y Borrow�r. The follawing <br /> Riders are��he executed by Borr�wer�ch�ck box as appl�cal�le�: <br /> ❑Ad�ustable Rate Rider 0��ndo�ninium Rider � Planned Unit Development R�der <br /> ��ther <br /> �Rehab���ta�i�n Loan Rider <br /> �J} "Appli�abie Law"means a���antralling applicab�e federal, state and loca�s�atu�es, regulatians, <br /> ordinances and ad.ministrative rules and orders[that hav�tihe effe�t of Iavv}as�e11 a�a11 applicable final, <br /> non-appealable judicial�pini�ns. <br /> [I�} "�om m unity AsSaciatian Due�, Fees, and AsS�ssments"means aII dues, fees, assessments and�ther <br /> charges�hat are impos�d on Borrnwer 4r the Property by a condominium ass�cia�ion, hnn�evv�ners <br /> asso�iat�on ar s�milar�rganiza�ion. <br /> �L� "Electrani�FundS Transfer"means auy transfer of funds, ather than a transaction originated b��hecl�, <br /> draft, ar sirnilar paper i.nstrumen�, vvhich is in�tiated�hraugh an electranic term�nal, �elephani.c <br /> instrument, camputer, or magnetic�ape so as�a order, instruct, ar au�horiz�a financia�ins�itut�an to <br /> debit or credit an account. Such t�rm iucludes, but is not l�mited�o, p��.nt-of sale transfers, automated <br /> tel�er machine transa�tions, transfers initiated by�elephone, wire transfers, and automated c�.earinghouse <br /> transfers. <br /> 20'I5-�7415�3 'fD04497��0�249T729 B��� <br /> FHA❑e�d af Trus#With M ER5-NE �t3�f���� <br /> Bankers 5yst�ms� VMP[RJ VMP4N�NE�[15[]fi} <br /> Walters Kluwer Financial 5�rvices 91�412D15 2:33 PM Page�af�T <br />