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2� 15�8211 <br /> �C} "Lender"is Q u�c�C e n L Q�t�S ��c. <br /> . <br /> Lenderisa �orparat�on <br /> or�anized and existing under the�a�vs�f t h� S t a t e �f M i�h i�a n . <br /> �,���.����������� 1��� �a�dw�rd �U�, Det ro�t, N�I 48���-1��� <br /> . <br /> ��� �lTr�stee���� F�rst �neri�an T�t�e <br /> . <br /> �E} "�iERS"is Mort�age Electro�ic Registration Systems, Ine. MERS is a separate corporatian�hat�s <br /> acting sol�ly�.s a nomin.ee for Lender and Lend�r's successars and a�signs. MERS is the beneficiary <br /> under t�h�s Secur�ty Instr��ent. �LRS Ys organi�ed a�.�.ex�st�ng under the�a�s��'�7e�a�are, an�.has <br /> an address and teiephone nurrzber of P.�7. Box��2�,F1int,MI 4�5��-2�2G,te�. ($88)��9-�VIE�S. <br /> �F') "Note"means the promissor�note signed by Borrower and dated N Q V�mb e r ��, ��l� , The Not� <br /> states that B�rrawer owes Lender Tw0 Hu�1d 1"ed F��Fty Th�US dnd Th 1^ee HUrld1^e� F�f ty <br /> ��ve and ��11�D <br /> D�a��ars�U.�. $ ���,���.�� )p�us��terest, Bo�ro�er has promi�ed to pay thi�debt in regular <br /> Periodic I'�.�ments and to pay the debt in full not later than D e c e�n b e r 1, ��4� . <br /> �G} "Pr�perty"means the property that is described below und�r the heading"Transfer of Rights in the <br /> Property." <br /> �I3� "La�n"means the debt evidenced by the Not�, p�us i�ter�st, and late ch�.rges due under the Not�, and all <br /> sums due under th�s Security Instrument,p�us�nterest. <br /> �I� "Riders"means a11 Riders to this�ecurity Instrument that a.re executed by Bonower. The following <br /> Rider°�are to be ex�cute�by�o�ro�er[�heck box as app�icab�e�: <br /> �Adjustab�e Rate Rider �Condorr��nium R.�der [� P�anned I��.rt Deve�opmen.t�t���� <br /> ��ther L e��1 Att�C h ed <br /> 0 Rehabilitation Loan Rid�r <br /> �� "Ap�����b�e Law"rr�ea�.s a���ontro���ng a�p���ab�e fed�ra�, stat�and�vcal statut�es, r�gulations� <br /> ordinanc�s and admrnistrative rules and orders�that ha��the effect af law�as�ve��as all app�icable final, <br /> non-appealable ju�icial o�inions. <br /> (I�� "�ammunity Assnciatinr�Dues, Fees, �nd Assessments"means a��dues, fees, as�essments and ather <br /> charges that axe imp�sed on Borro�ver or th�I'roper�y by a condaminium associativn,h�meawn�rs <br /> �ssoc�a��on or s��n��ar�rganiza�ior�. <br /> {L� "E�ect�an��Funds Trans�er"�ean.s an.y txansfer o�'funds, vther�han a tran�action origi.nated b�check, <br /> dra�,or similar paper instrument,whieh is in�t�ated thraugh an electr�nic termina.I,teiephonic <br /> �nstrument,computer,or magneti�tape�o as to order,instFuct,or authori.2e a financia�institution ta <br /> de�i�or credxt an account. Such term�nc�udes,but xs n.���Yrr�it�d to,p��nt-of-sa�e t�ansfers,aut�rx�ated <br /> tel�er machine transaction.s,�ransfers i�.itia�ed by te�ephone,�rire�ransfers,and autamated c1e�.ringhouse <br /> transfers. <br /> FHA�d af Trust With M�RS-AIE 9134f�q14 <br /> Bankers Systerr�s'� VMP� VMP4N(NE}�95flfi}.a4 <br /> Woiiers Kluwe�Financial SenriGes Rage 2 of 17 <br /> qQ33�fi843a39 D233 334 D�17 <br />