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2� 1 ��38 �C} "Lender"is Qu��ke� Loans I nc. . Lender is a �or�orati�n �rganized and exi�ting under the la�vs af t h e 5 t a t e o f M i c h�g a n , Lender's address�s 105� Woodward Ave, Detroi t, MI 482��-19�� �D} nTrustee" �s Fi rst American Title . �E� "l1�ERS" is Mortgage El�ctronic Registration Systems, Inc. MERS is a separate corporation�hat is acting solely as a nominee for Lend�r and Lender's �uccessors and assigns. �RS is the beneficiary under this Security Ins�rument, MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.�. Bax 2��6, F1int,N��48501-2��6,te�. �888}679-MERS. �F} !'N ote" means the promissory note signed by Barrawer and dat�d D ec em b e r 3�, 2�1� . The Not� sta.tes that Barro�er owes Lender �n� H U n�r�d TW�n�y E�g h t Th Q U S a�1� Seuer� k��r�dre� �n� ��11QQ I3ollars�U.S. $ l��,7��.�� }plus�nterest. Borrower has promised to pay�h�s debt in regu�ar Periodic Payments and to pay the debt in fu11 not 1a�er than �a n u a ry 1, 2��1 . �G} '"Property"means the property that is described be1o�und�r the heading"Transfer of R�ghts in the Property." �H) "Loan"means the debt evidenced by the Note, plus �nteres�, any prepaymen��harges and late eharges due under the Note,and all sums due under this Security Instrument,plus interest. �1� "Riders"rr�eans all Riders to this Security Instrument that are exec�ted by�orrower. The follotiving Riders are ta be executed by Borro�ver[�heck box as appli�able]: 0 Ad�ustable T�ate Rider � Condominzum Rider 0 Second Home R�der ❑Balloon Rider 0 P�anned Uni�De�elopment Rider � 1-4 Family Rider ❑VA R�der 0 Biweekly Paymen�t Rider ��ther(s} [specify] L�gal At�a��e� �J} "App��cabieLaw�' means a�l contro�ling app�icable federal, sta�e and��cal statutes, regu�ations, �rdinances and administrative rules and orders(that have the effect of lavvj as v�e11 as a11 applicabte fna�, non-appealable judicial opinions. ��C} "CommunityAssoe�ationDues, Fees,and Assessments"means all dues, fees� asse�sments and Qther charges that are irx�posed on$orrot�er or the Property by a c�ndom��.ium association,homeowners associatian or s�milar organizatian. �L} "E lectro n i c F u n d�Tran sfer"means any transfer�f funds, other than a transaction ori�inated by ch�ck, dra�, or simiiar paper instrument,�vhich is in�t�ated through an electranic terminal,telephonic instrumentp computer,or magnetie tap�so as to order, instruct,or authorize a financial institution to debit ar credit an a�count. Such�erm includes,but�s no�limit�d to,point-of-sale transfers,automated telier machine transactions,transfers initia�ed by telephone,wire transf�rs,and automated clearinghouse transfers. �M} "Es�ro►n►ltems"means those items�hat are described in Section 3. NEBRASKA�ingle Family-Fannie MaelFreddie Mac LINIFURM INSTRUMENT WlTH MERS Form�428 1141 VMP @ VMPfiA[NE}�13�2}.44 Wa�#ers K��wer F�nanc�al 5ervices Page 2 of�7 q43349649�71 �233 253 4�17