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2� 1 �� 138 �C� "Lend�r"is�u�c��n L�ans I n�. . Lender is a Corporati on organized and exist�ng under the iaws of t h e S t a te a f M i c h i g a r� . Lender's address is 1�5 a �ood�va r� �v�, De t�'Q�i t, M I �$��2�--19 a� �D� "Trustee"is F�rst Arn�ri c�n Ti t�e �E] "MERS" is Mar�gage Electron�c Regis�rat�on 5ystemsg In.c. MERS is a sepa,rate corporation that is acting solely as a nominee for Lender and Lender's suceessors and assign.s. MERS is tbe benefiCiary under this Security Instrument. MERS is organized and existing under the laws of I]elavvare, and has an address and tel�phane number of P.�. Box 2026,Flint,MI 485�1-2�26,tel. (888)679-MERS. �F} "N�te" means the promissary note signed by Borrower and dated S e�t�'m�3 e C' 1�, 2�1� . The Nate states that Borrower owe s Lender ��l e H U n�1"�� 5 E lE E n ty TW4 T�1 Q U S�n� d n� ��11�� Do�lars(U'.S. $ 17 2,Q��.�� )plus interest. Barrower has promised to pay this debt in regular Periodic Payments and to pay the debt in fu�l not later than �c tobe r 1, ��4� . �G} "Propert�"means the property that is described belaw under the heading"Transfer of Rights in the Prop erty" �H} "Loan"means the debt evidenced by the Note, p�us interest, an�prepayment charges and�ate charges due under the Nate,aad a11 sums due under this Security Instrument,plus rnterest. t1} "Rid�rs"means a11 R�ders to this �ecurity Instrument that are exe�uted by Borrow�r. The foliowing Riders . are to be executed by Borro�vver[checl�box as app�icable]: �Adjustab�e Rate Rider ��and�rtr�in�um Rider �Secon�Hvrrz�Rider C]Balloon Rider ❑Planned Unit D��elopment Rider d 1-4 Family Rider ❑VA It�der 0 Biweekly Pa}�ment Rider ��ther(s} �specify] Lega� �t�ached �J� "A�pli�bl�Law" rMea�.�a��cont�a��ng a�g��cab�e fed�ra�, sta.te and loca��atutes, regu.�ations, ordinances and administrati�e rules and orders(that have the effect af 1aw}as well as all applicable final, non-appeatable judicial apinion.s. ��t� "�ommunityAss�ciationDues, Fees,and A�sessments"means a1�dues, f�es, assessments and other charges that are imposed on Borrower or the Property by a c�ndomiaium as�flciation,horneowners ass�ciation or simila�organizatian, �L} "ElectrvnicFundsTransfer"means any transfer of fuads, other than a transact�on originated by check, draf�,or similar paper instrument,�v�iich is initiated thr�ugh an electronic termina�,telephonic instrument, Gamputer,or magaetic tape so as ta order,instruct,�r authorize a financial�nstitution ta debit or credit an accaunt. Such term includ�s,but is nat limited to,point-of-sale transfers,automated t.eller machine transactions,transfers initiated by telephone,wue transfers,and automated c�earinghouse transfers. �M} "Escraw�tems"mean.s those items that ar�described in S�ction 3. NEBRASKA-5ir�gie Family-Fannie MaeJFreddie Mac LINiF�RM IN5TRLIMENT WITH MERS Form 3028 1i41 VMP� VMPBA(NE}�13��.00 Wolfers Kfuwer Financiai Servic�es P�ge 2 af 97 qU3359971�21 ��33 371 U�17