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G� Recordation Requested by: Citibank, F.S.B. 12855 North Outer 40 Drive St. Louis, MO 63141 When Recorded Mail to: Citibank, F.S.B. P.O. Box 9206 Mail Station 81026 Farmington Hills, MI 48333 -9206 Send Tax Notices to: Citibank, F.S.B. 15851 Clayton Road MS 309 Ballwin, MO 63011 Loan No: 002000084563 DEFINITIONS 200109670 [Space Above This Ime For Recording Data] DEED OF TRUST Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated September 21, 2001, toge r with all Riders to this document. husband and wife / (B) "Borrower" is David M. Andree and Michelle M. Andree, Joint Tenants. Borrower is the trustor under this Security Instrument. (C) "Lender" is Citibank, F.S.B.. Lender is a Bank organized and existing under the laws of the United States. Lender's address is 12855 N. Outer 40 Drive, Saint Louis, MO 63141. Lender is the beneficiary under this Security Instrument. (D) "Trustee" is Dennis P. Green, Attorney at Law (E) "Note" means the promissory note signed by Borrower and dated September 21, 2001. The Note states that Borrower owes Lender Ninety Five Thousand Eight Hundred Fifty Dollars (U.S. $95,850.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than 10/01/2031. (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower: NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT C3028 - 12/06/2000 [002000084563] Page 1 of 11 e Form 3028 ]�1 Initials: m n n T = ` rrh "a Z xC CD Q O Ci, O -� r) _ $ Cf) c� rr, �c r^ A Cn cc CA) � M a d u-1 O ca 200109670 [Space Above This Ime For Recording Data] DEED OF TRUST Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated September 21, 2001, toge r with all Riders to this document. husband and wife / (B) "Borrower" is David M. Andree and Michelle M. Andree, Joint Tenants. Borrower is the trustor under this Security Instrument. (C) "Lender" is Citibank, F.S.B.. Lender is a Bank organized and existing under the laws of the United States. Lender's address is 12855 N. Outer 40 Drive, Saint Louis, MO 63141. Lender is the beneficiary under this Security Instrument. (D) "Trustee" is Dennis P. Green, Attorney at Law (E) "Note" means the promissory note signed by Borrower and dated September 21, 2001. The Note states that Borrower owes Lender Ninety Five Thousand Eight Hundred Fifty Dollars (U.S. $95,850.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than 10/01/2031. (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower: NEBRASKA - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT C3028 - 12/06/2000 [002000084563] Page 1 of 11 e Form 3028 ]�1 Initials: