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200504025 <br />(C) "Lender" is JPMORGAN CHASE BANK, N.A. <br />Lender is a HANK <br />organized and existing under the laws of the U . S. A. <br />Lender's address is 1111 POLARIS PARKWAY <br />COLUMBUS OH 43240 <br />Lender is the beneficiary under this Security Instrument. <br />(D) "Trustee" is OL,-r> 'V- t?U'$L\C, "A- TiGNAL -rMIF <br />M "Note" means the promissory note signed by Borrower and dated April 21, 2005 <br />The Note states that Borrower owes Lender <br />Seventy Thousand, and 00/100 Dollars <br />(U.S. $ 70,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic <br />Payments and to pay the debt in full not later than May 1, 2020 <br />(p) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property. <br />1f <br />(G) 'Um" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges <br />due under the Note, and all sums due under this Security Instrument, plus interest. <br />(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following <br />Riders are to be executed by Borrower [check box as applicable): <br />Adjustable Rate Rider Condominium Rider Second Home Rider <br />Balloon Rider Planned Unit Development Rider 1 -4 Family Rider <br />VA Rider 0 Biweekly Payment Rider Otiurx(s) [specify] <br />(A "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, <br />ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, <br />non - appealable judicial opinions. <br />(J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessumo and other <br />charges that are imposed on Borrower or the Property by a condominium association, homeowners <br />association or similar organization.. <br />(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by <br />check, draft, or similar paper instrument, which is initiated through an electronic terminal. telephonic <br />instrument, computer, or magnetic tape sous to order, instruct, or authorize a financial institution to debit <br />or credit an account. Such term; includes, but is not limited to, point-of-sale transfers, automated teller <br />machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse <br />transfers. <br />(L) "Fscrow Items" means those items that are described in Section 3. <br />(t "Mtscrellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid <br />by any third party (other than insurance proceeds paid under the coverages described in Section S) for: (i) <br />damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the <br />Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the <br />value and /or condition of the Property. <br />(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, <br />the Loan. <br />f00-84N4 mom <br />pa":*118 4�-- <br />Form 3028 1101 <br />