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2� 1 ��7892 <br /> �c� r�Lend�r"is �u��ken Loans I n�. <br /> . <br /> Lender zs a Corporati on <br /> organi�ed and ex�st�ng under the�a�v�Q�' t h e �t a t e o f M�c h�g a n . <br /> Lender��address is 1�5� Wood�ard Ave, Detroi t, MI 4H�2�-19�6 <br /> �D} "Trustee"is F 1 r'S t Am e r 1 C a�1 T���� <br /> . <br /> �E} "MERS"is Mortgage Electronic R.egistration Systems, Inc. I��RS is a separate corporation that is <br /> acting solely as a nominee for Lender and Lender`s suGcessors and assigns. MERS is the benefi�iary <br /> under this Se�urity Instrument. MERS is organi2��and existing under the laws of Delat�vare, and has <br /> an address and telephone number of P.�. Box 24Z6,Flint,MI 48541-2�2G,te�. (888}�79�MERS. <br /> tF} "NQte"means the promissory note signed by Borrawer and dated N�V em�]e 1" 1�, 2 Q 1� , The Note <br /> s�ates tbat Bonower owes Lender F�f t,� Tin1Q ThQUS a�d F�U r HU�d r�d a��' ��d ��11�D <br /> Dollars�U.S. $ ��,4�1.�� }plus interest. Borrower has pramised to pay this debt in regular <br /> I'eriodic Payments and to pay the debt in fu11 not Iater than Dec�mbe r 1, ��4� . <br /> �G} "Prvpert�"means the property that is described belo�r under the heading"Transfer of Rights in the <br /> Proper�." <br /> �H} "Loan"means the debt evidenced by the Note, plus interest, and late charges due under the Note, a�xd a11 <br /> sums due under this Security Instrument,plus interest. <br /> �I� "R•iders"means all Riders to this Security�nstrument that are executed by�orrower. The fallo�ing <br /> Riders are to be executed by Borrower�eheck box as applxcable]: <br /> 0 Adjustable Rate Rider ❑ Condominium Rider 0 Planned Unit Development Rider <br /> �7��her Lega� Atta�hed <br /> 0 Rehabr�xtati�n Loan Ri�er' <br /> {J} "Appli�able Law"means a11 contr�lling applica�le f�deral, sta.te and lacal statutes, regulations, <br /> � ordinances and administrati�e ru�es and orders(that have the effeet of law}as�uell as all applicable fina�, <br /> non.-appeala��e judicial apinions. <br /> {I�} "Community AssoCiatian Dues, Fees, and Assessments"means a11 dues, feesA assessm�nt�and other <br /> charges that are imposed on Borrower or the Property by a condomin.ium association,homeawners <br /> association or similar organization. <br /> �I�3 "Electr�nic Funds Transfer"means any transfer of funds, other than a transaction originated by check, <br /> draft,or similar paper instrument,�uhr�h�s ini�iated tbrough�.n e�e�tron�c terrnina�, ���ephonic <br /> instrument,computer,or magnetic ta.pe so as to order, instruct,or authorize a financial institution ta <br /> debit or eredit an account. Sueh term includes,but is not��mited to,point-of-sa�e transfers,automated <br /> teller mac�iine transactions,transfers initiated by telep�inn�,v�ire transfers,and automated cxearinghause <br /> transfers. <br /> FHA❑eed of Trust With MERS-NE 9130124�4 <br /> Ba�tkers 5ystemsT+� VMP� VMP4N(NE}(154C}Aa <br /> Wolters Kluwer Financial Services Page�of 17 <br /> q�3361�948G5 ��33 443 4�17 <br />