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2� 1 ��7217 <br /> ��� "Lender"is C�U1�k�n Loans In�. <br /> Lender is a ��r�Dra�l�n <br /> or�anized and existing und�r the laws of t h e 5 t a te �f M i�h i�a n . <br /> Lender's addre�s is 1Q5Q W�odw�►rd Ave, Detroi t, MZ 482�6-19D� <br /> � �n� «Trustee��x� F�rst A�ner�can Ti t�e <br /> �E} "1VIER5"is Mortgage Electranic Registration Systems, Inc. MERS is a separate corporat�on that is <br /> acting solely as a nominee for Lender and Lender's successors an�assigns. MERS is the benefie�ary <br /> under this Seeurit�Instrument, MERS is organi�ed and existing under the laws of Delaware, and h.as <br /> an address and telephone number of P.�. Box 2�2�,�lint,MI 4g5�1-Z�26,te1. �88$)G79-MERS. <br /> �F} "Note"means the promissory note signed by Borrawer and date��C ta�7��' ��-, ��1� . �'he Note <br /> st�.tes that�onow�r�wes L�nd�r �n� Hundred 5�venty Four Th�usan� �ne Hundred <br /> Th�rty �hre� and Q�11�� <br /> Dallars�U.S. $ l 74,13�.�a }plus interest.Borrower has pramised to pay this debt in regular <br /> Periodic Paymen�s and to pay�he debt in futl not�ater�han N�tl��ib�'�' 1, ��4� , <br /> �G} "praperty"mean�the prop�rty�h�t is described below under the heading"Transfer of Ri�hts in the <br /> Property." <br /> �H} "Lnan"means the debt e�idenced�y�he Note, p�us interest, and Iate c�iarges due under t�.e Note, and a1� <br /> sums due under this Seeurity In�trument,plus int�rest. <br /> (I} "Riders"mean�a11 Riders to this Security Instrument that are executed by BorrQwer. Th�following <br /> Riders are ta be executed by Borrawer[che�k box as applieable]: <br /> ❑Adjustable Rate R.ider ❑�ondominium Rid�r 0 Ptanned Unit Development Rider <br /> �7�t�er Lega� �tt�a�hed � <br /> ❑Rehabilrtation Loan Rider <br /> �J} "Appliea�le Law"means ail controlling appl�cable federa�, state and i�cal statu��s,regulatians, <br /> ordir�ances and adm�nistxative ru1e�and orders(that have the effe�t of law�as weil as a11 applicable final, <br /> �a�n-appealabi�judiciar opin�ans. <br /> �I�} "�ommunity Assaeia�ian I�ues, �'ees,and�ssessments"means a�I dues, fees, assessments and at�er <br /> charges tha�are imposed on�orravv�r or the Pr�perty b�a condominium association,hom�ov�rners <br /> association or simiiar organi�a�ion. <br /> {L} "Ele�tr�nicFunds Transfer"means any transfer of funds, ather than a tran�action originated by�h�ck, <br /> draft,or similar paper instrum�nt,which is ir�itiated through an electronic termina�,telephonic <br /> instr�ment,computer,or ma�netie tape s�as ta order,instruct,or autharize a financial institution to <br /> debit�r credit an account. Such term includes,but is not limited to,point-of-sale transfers,autornated <br /> teller machine transactions,transfers initiated by telephone,wire transfers,and automated clearinghouse <br /> transfers. <br /> FHA�eed of Trust With MERS-NE 913QT2Q14 <br /> Har�k�rs SystemsTti+ VMP� VMP4N(NEj�1546}.4Q <br /> V1lolters Kluwer Financ�al Service� Page 2�f 17 <br /> q�������s�2a� oz�� ��$ az1T <br />