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200609002 (C) "Lender" is National City Mortgage a division of National City Bank Lender is a National Banking Association organized and existing under the laws of United States Lender's address is 3232 Newmark Drive, Miamisburg, OH 45342 Lender is the beneficiary under this Security In..<;trument. (D) "Trustee" is i~JtX~ FIRST AMERICAN TITLE INSURANCE COMPANY (E) "Note" means the promissory note signed by Borrower and dated September 28, 2006 The Note states that Borrower owes Lender ONE HUNDRED NINETY THOUSAND & 00/100 DollMS (U.S. $ 190,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than Apr ill, 2037 . (F) "Property" mean..<; the property that is described below under the heading "Tran<;fer 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. (II) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: D Adjustable Rate Rider D Balloon Rider DVARider D Condominium Rider [!J Planned Unit Development Rider D Biweekly Payment Rider D Second Home Rider [!] 1-4 Family Rider [!] Other(s) [specify]CONST PERM RIDR (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" mean<; any tran<;fer of fimds, other than a tran<;action originated by check, draft, or similar paper in<;trument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactio11<;, transfers initiated by telephone, wire transfers, and automated clearinghouse tran<;fers. (L) "Escrow Items" means those items that Me described in Section 3. (l\I) "Miscellaneous Proceeds" means any compensation, settlement, aWMd of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means in<;urance protecting Lender against the nonpayment of, or default on, the Loan. Initials: ~Ic fI/lA Form 3028 1/01 .-6(NE) (0407) @ Page 2 of 15