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2� 1 �� 1112 <br /> �C} "Lender"is QU1 CI��� Loans Inc. <br /> . <br /> Lender is a Corporat�on <br /> organized and existing under�he laws of t h e 5 t a te a f M i c h i g a n . <br /> Lender'�address is 1��� �aodward �ve, Detroi t, MI 4�22G-19�6 <br /> �D} "Trustee"is Fi r'St A��r'��arl Ti tl� <br /> . <br /> �E} "�RS"�s Mortgag����c����c Reg���rat�on.��stem�, Inc. ��RS is a separate cvrpvrat�on.that�s <br /> acting svlely as a no�n�nee f�r Lender and Lender'� �uccessars and assigns. MERS is the beneficiary <br /> under this Security Instrument. MERS is organiz�d and exis��ng under the laws of Delavvare, and has <br /> an address and t�lephone number of P.�. Box 2��G,F1int,MI 485�1-��2�,te1. (888)�79-M�RS. <br /> �F} "N'flte"means the prom�ssory not�signed by Borrower and dated F e�1"U a r,y 1�, ��1� . The Nate <br /> �ta�es that Bon4tiver o�e s Lend er ��1 E H U n�r e d �e V e 1���1 F�U r T�l�U S a�l d TW� H U n C�1"e d <br /> Fifty E�ght and DD11DD <br /> Dollars�U,S. � 174,��$.�� )plus interest. Borrower has promised to pa��h�s debt in regular <br /> Period�c�ayments and to pay the debt in fu11 not later than M a rc h 1, ��4� . <br /> �G} "Property"means the property that is described belo�v under the heading"Transfer of Rights in the <br /> Prop erty.t` <br /> �H} "L�an"means�he debt evidenced by the�ote, plus interest, and late charges due under�he Note, and all <br /> sums due under this Security Instru.ment,plus xnterest. <br /> �I� "l�tiders"means al1 Riders to this Securi�y Instrument that are executed by Borrower. The f�llow�ng <br /> Riders are to be ex�cuted by Borrovver�check box as appii�cable]: <br /> 0 Adjustable Rate Rider �Candominium Rider � P�anned LTnit Development R�der <br /> ��ther Legal Attached <br /> ❑Rehabilita.tion Loan Rider <br /> (J} "Appli�able Law"means a��c�ntrolling applicable federal, state and 1aca1 statutes, regulati�nsA <br /> ordinan�es and admin�strative rules and oxders(that have the effect of 1aw}as we11 as a11 applicable final, <br /> non-appeala�le judicial apinions, <br /> �I�} "Communxty Association Dues, Fees, and Assessments"rneans a11 dues, feesA assessments and ather <br /> charge�tha�are imposed on Borro�uer or the Property by a condominrum�.ssocia��on,homeo�vners <br /> association or similar organization. <br /> �L� "Electronic Funds Transfer"means any�transfer of funds, other than a�ransaction originated by c�eck, <br /> draft,or similar paper instrument,tivhich is initiated thraugh an�lectron�c t�rminal,telephonic <br /> instrument,computer,or magnetic tape so as to arder, �ns�ruct,or authorize a financial institu�ion�o <br /> debit ar credit an a�count. Such term includes,bu�is no�limited to,point-of sale transfers,automated <br /> te�ler machine transactions,transfers initiated�y te�ephone,wire transfers,and aut�mated c�earingha��e <br /> transfers. <br /> FHA❑eed of Trust With MERS-NE 913412D14 <br /> gankers Sys#emsTM� VMP� VMP�N(NE}[154B)A4 <br /> Wolters Kluwer Fina�e�al Serv�ces Page 2 af 17 <br /> q433519G5385 0233 �80 �21� <br />