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2� 1 ���443 <br /> ��} "Lender"is �U1 Ck�n �aans In�. <br /> Lenderisa �orporat7on <br /> organized and existir�g under the lativs of th� �tat� of M�ch��an , <br /> Lender`s address is 1�5D Woodward Ave, Detroi t, MI �8�26-190� <br /> �D} "Trusree�fr� Fi rst Arneri can T�tl e <br /> �E} "MEItS"is Mortgage Electronic Registration�ystel�ns, Inc. MERS is a separate corporation that is <br /> act�ng solely as a naminee for Lender and Lender's successors and assigns. MERS is the bencficiar� <br /> under this Se�urity Ins#rumQnt. MERS is or�ani��d and existing und�r the laws of Delaware, and has <br /> an address and telephone number of P.�. B�x�Q�6, Flint, MI 485a 1-2��6,tel. �858)f 79-MERS. <br /> �F} "Note"rr�ea�is the protriissory note si�ried by Bono�ver and dated S�ptCm�er ��, ��1�. Trie Note <br /> stat�s that Borro�vGr owcs Lcndcr F1 fty F1 Ve Th�US�nd F�Ur HUndred E1�ht.2E'n an� <br /> 00�100 <br /> Dollars�L7.5. $ ��,41�.�� }pl��s intcrest. Borro�vcr has promiscd ta pay t.his d�bt i��rc�ta�a1• <br /> Periodic Payments and to pay the debt in fu�l not later�han �c�ober 1, ���� . <br /> �G} "Property"means�he property that is described belo��under�he heading"Transfer of�i�h�s in the <br /> Property.'► <br /> �H} "L�an"�neans the debt evidenced by the N�te, ptus interest, and lat�charges due undex th�Note, and all <br /> sums di�e undcr this Securiry 7nstrumet�t,plus intcrGst. <br /> �X} "Riders"mea.ns a�l Riders to this Security Instr��men�that ar�executed by�orro�ver. 7'he fo��o�ving <br /> F�iders are to be exec��ted by Borro�ver�check box as applicable]; <br /> 0 Adjus�able Ratc Ridcr � Condorniniuln Rid�r C� Planncd Unit Ucve�op�ncn# �idcr <br /> ���her L eg�1 Att��h ed <br /> � Rehabilitati�n Loan Rider <br /> �J} "Appli�able LAw"mean.s ali con�rolling applicable federal, state and lacal statutes, reg�zlations, <br /> ordinances a��d adx-ni��istrati�e ru�es at�d orders(�hat have the effect of law�as well as al1 applicable f inal, <br /> non-appealabl��udicia�apinians. <br /> �I�} "Community Association llucs, F�es, �nd Asscssmcnts"means all a«es. f�es, asse�5��nei�t�ailci�ther <br /> charges that are imposed on Barrower ox the P�ropel-ty by a condominium asso�iat:ior�, ho�neo��i�ers <br /> assc��iatic��l c�r similar or�anization. <br /> �L} "Elcetr�niC Funds Transfer"mea��s any trax�sfer of funds, other thar�a tra�Ysaction originated by check, <br /> draft,or�imiiar�aper i��s�rument,�vhich is ii�itiated through an ele�tronic termir�.a�, te�ephonic <br /> 1I15tTUITl�i7t,cornputer,or magi�e�ic tape so as to order, iristruct, or authorize a�ina�lcial insti�utiat��o <br /> debit ar credit.an account. Such#erm�ncludes,but is not lixnited�o,poi��t-af-sale transfers, automated <br /> tell�r rnaChiYle tra��SaCtions,�ransfers initiated by telephone,�'lI'�tI"�.I1Sf��'S,a��d autiomated clearingho�.�se <br /> transfer�. <br /> FHA❑eed of Trust With MERS-NE 313(}12�}1� <br /> Ba�kers Syst�msrM VMP C7 VMP4N(NE)(15�6}.�30 <br /> Wvlters Kluw�r Financiai 5�rvic�s Page�af 17 <br /> q�3357�93�3� �233 705 ��17 <br />