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2� 1 ��2198 <br /> ��} "Lender"is �u��k�� �.���5 I n�. <br /> Lender is a �or orati an <br /> p <br /> organized and exis�ing�nder the�aws o f �h 2 S t a t e a f ��c���a n . <br /> Lender's add.ress is 105� �oodw�rd A�e, D�tro�t, MI 4$2��-19�� <br /> ��} ��Trustee"is F 1 C'S t A�1�r 1�a n T�t 1 e <br /> �E} "MERS"is Mortgag�Electronic l�egis�ration Systems, Inc. MERS is a s�parate corporation that is <br /> acting sfl1���as a nominee for Lender and Lender's successors and assigns. MERS is the ber�ef ciary <br /> un.der#his Securit�Instrument. MERS is organi�ed and�xisting under the laws of I7eiaware, and has <br /> an add�t'ess and telephone number of P.�, Bax��26,F1int,MI 485�1-�026,te1, (888�679-MERS. <br /> �F} "No�e"m�ans the prom�ssary nate signed by Borr��er and dated I�p r 1� $, ��1� . 'The Note <br /> states�hat Borrower owes Lender �ne HUn�r2� FQUrt��n Th4USan� N1 n� HUC1drLd <br /> Forty Six and ��11�0 <br /> Dollars�LJ.S. $ 114,�4�.�� �plus interest. Borr�wer has promised to pay this debt in regular <br /> Periodic Payments and to pa�the debt in full not later than May 1, 2�41 . <br /> �G} "Property"means the proper�y that is described belav�under the heading"Transfer of Righ�s in the <br /> Property." <br /> �H} "Loan"means the debt e�idenced by the Note, plus interest, and Xate charges due uncler the Note, and a1i <br /> sums due�.nder this Sec�rit3r�nstrument,p�us�nterest, <br /> �I} "Riders"means a11 Riders��this Security Instrument t�at are executed by$orro�rer. The f�11o��n� <br /> Riders are to be executed by�orrower jcheck box as a�plicable]: <br /> �Adjustable Ra�e Rider � Condominium Rider 0 Planned Unit De�elopment l�ider <br /> �other L�ga1 Atta�hed <br /> Q Rehabilitation Loan Rider <br /> �J} "Applicable Law"means a1�controlling applicable federal, s�ate and local�tatutes, regulatians, <br /> ordinances and administrative rules and arders(that have the effect af�aw�as well as all applicable final, <br /> non-appealable judicial opinions. <br /> �K} "Community Associa��an Dues, Fees, and Assessments"means all dues, fees, assessment�and ather <br /> cha�ges t�.at are xmpased o�.Borro�u�r o�the Froperty by a Gondvm�n�um as�vc�a��vn,homeowners <br /> association or similar organizatian. <br /> �L� "Electrvni�Funds Transfer"means any transfer of funds, other than a�ransac�ion originated by check, <br /> draf�,or similar paper instrument,which is ini�iated through an electronic terminal,telephonic <br /> �nstrument,computer,or magnetiG tape so as to order, instruct,or authorize a financial institu�ion�o <br /> debit or credit an account. Such�erm includes,but i�not limited to,pflint-of-sale transfers,automated <br /> teller machine transactions,transfers initiated by telephone,wire transfers,and automated clearinghouse <br /> transfers. <br /> FHA❑eed af Trust With MERS-NE 913�12414 <br /> Bankers System�T"" VMP� VMP4N4NE}[154B}A4 <br /> Wolters Kluwer Financial Services Page 2 of 17 <br /> q4335385�889 �233 359 0217 <br />