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2� 17�2��3 <br /> �C� "Lender"is �U�C k 2 n L o a n s I n c. <br /> . <br /> Lender is a C�rpo rati on <br /> organized and existing under the laws of th e S t a te o f M i c h i�a n . <br /> Lender's address is 1�5� Woodward Ave, D�tr41 t, MI 48�26-1��� <br /> ��� ��Trustee���� F�rst �meri�ap T�t�e <br /> �E} "MERS"is Mortgage Electranic Registra�ion Systems, Inc. MERS is a separat�corporati�n that is <br /> acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiar� <br /> under this Se�urity Instrument. MERS is organized and existing und�r the lativs of Deiaware, and has <br /> an address and tel�phan�number of P,�. Bax 2�2�,Flint,MI 485a�-2���,tel. �888)679-MERS. <br /> �F} "I11ate"means�he promissory nate s�gned by Borra�ver and dated A�r 1 � 1�, 2 d 17 , The 1rTote <br /> sta.tes that Borr�wer owes Lender�r�� Nu�dr�� �orty Tv�o Thousand 5�v�n Hundred <br /> F�ur and D�11�4 <br /> Do�lars�IJ.S. $ 14�,7�4.�Q )plus interest. Barro�er has prom�sed to pay thi�debt in regula.r <br /> Periodic Payrnents and to pay the debt in full not later than M ay l, ���� . <br /> ��) "Praperty"means the praperty that is described below under th�heading"Tr�nsfer of Rights ia the <br /> Property." <br /> �H) "Loan"means th�debt evidenced by the Note, plus interest, and late charges due under the Note, and ail <br /> sums due under this Security In�trument,plus interest, <br /> �I� "ltiders"means all R.iders to this Securi�y Instrument that are execute�by Borrower, The follovving <br /> Riders ar�to be executed�y Borrower[check bax as applicable�; <br /> �Adjustable Rate Rider 0 Candominium Rider 0 Planned LTnit De�elopment Rider <br /> ��ther Legd� Att�ch�d <br /> ❑Rehabilitatian Loan Rider <br /> {J) "Aipplicable Law"means a11 co�tralling a��lica�l�federal, s�ate and 1oca1 stat�tes,regula�tians, <br /> ordinan�es and administrative rules and orders�that ha�e�he effect of laui}as we11 as a1�applicable fina�, <br /> aon-appea�a�ale judic�al opinions. <br /> �I�� "Cammunity Assvciativn Dues, Fees,and Assessments"means all dues, fees, assessments and other <br /> Gharges that are imposed on Borrot�ver or the Property by a condominium assaciation,homeowners <br /> associa�ion or similar organi2ation. <br /> �L) "Ele�troniC Funds Transfer"means any transfer of funds, other than a transaction originated by check, <br /> draf�,or similar paper instrument,which is ini�iated through an electronic terminal,telep�anic <br /> instrument,computer,or magnetic�a.pe so a�to order, instruct,�r autharize a financiai institution to <br /> debit or credit an accaunt, 5uch term includes,but is not limited ta,ptiint-of-sa�e�ransfers,automated <br /> te�ler machine transactions,transfers initiated by teleph�ne,urire transfers,and automated clearin.ghouse <br /> tra�sfers. <br /> FHA Deed of Trust With MERS-NE 913Q12414 <br /> Bankers 5ystemsTM VMP C� VMP4N�NE�[1546}.44 <br /> Wofters ICluwer Financral Serv��es Page 2 af 17 <br /> qa33743�9474 �233 43� 4�17 <br />