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<br />200707443
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<br />(C) "Lender" is CitiMortgage, Inc.
<br />
<br />I.endl'f' is a Corporation
<br />organii'ed and existing under the laws of New York
<br />Lemler's address is 1000 Technology Drive, 0' Fallon, MO 63368-2240
<br />
<br />(D) "Trustee" is First American Title Company
<br />
<br />(E) "MERS" is Mortgage Electronic Hegistration Systems, Inl:. MEnS is a separate corporatiou that is
<br />acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary
<br />under this Security Instrument. MERS is organized amI existing umler the laws of Delaware, and has an
<br />address ami lelephone number of P.O. Box 2020, Flint, Ml 18501 ZOZG, tel. (888) G79-MEHS.
<br />(F) "Note" rneans the promissory note signed by Borrower ami dated August 29, 2007
<br />TIl(: No/(' SUites that Borrower owes Lender Seventy Nine Thousand Nine Hundred
<br />Dollars
<br />(U.S. $ 79,900.00 ) plus interest Borrower has promised to pay this debt in regular Periodic
<br />Payments and to pay the debt in full not later than September I, 2037
<br />(G) "Property" means the property that is described below under the heading "Trallsfer of I~ights in the
<br />Property, "
<br />(II) "Loan" means the debt evidenced by the NOll', plus in/('resl, any prepaymeut charges and late charges
<br />due under the Note, and all sums due under this Security Instrument, plus interest.
<br />(1) "Riders" means all Hiders to this Security Instrument Ihat are executed by Borrower. The following
<br />Riders are 10 be executed by Borrower Icheck box as applicable I :
<br />
<br />[[I Adjustable Rate Rider
<br />[] Balloon Hider
<br />[~] VA Rider
<br />
<br />D Condominium Rider [J Second IllHne Rider
<br />l::::J Plalllled Unit Development Rider [J 1-1 Family Hider
<br />I=J Biweekly Payment Rider ['J Other(s) Ispecifyj
<br />Othcr(s):
<br />
<br />(1) "Applicable Law" mealls all controlling applicable federal, slate and local statutes, regulations,
<br />()rdinallcc~s and administrative rules and orders (that have the cffect of law) as well as all applicable filial,
<br />non appealable judicial opinions.
<br />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other
<br />charges that are imposed on Borrower or the Property by a condominiunl association, homeowners
<br />association or similar organization.
<br />(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by
<br />chcck, dran, or similar paper instrument, which is initiated through an electronic terminal, telephonic
<br />inSlnJIIH'lll, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit
<br />or credil an account. Such term includes, hut is not limited to, point"or-sale transfers, automated telkr
<br />machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse
<br />transfers.
<br />(M) "Escrow Items" rneans those items that are described in Section :L
<br />(N) "Miscellaneous Proceeds" means any compensation, selllcment, award of damages, or proceeds paid
<br />by any third party (other than insurance proceeds paid under the cov(')'ages described in Section ~j) for: (i)
<br />damage 10, or d(~struction of, the Property; (ii) condenHlation or other taking of' all or any part of Ihe
<br />I'm[h'lly: (iii) conveyance in lieu of condemnation: or (iv) misrepn'sentilliolls of, or olnissions as (0. 111<'
<br />value ,Ind/or condition of the Property.
<br />(0) "Mortgage Insurance" means insurance protecting Lcnder against Ihe nonpaynlCnt of, or default on,
<br />the Loan.
<br />
<br />002004634292
<br />~.GA(NE) (<J107).()1
<br />I.y
<br />
<br />PJgc 2 of' 15
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<br />C. \0.- J
<br />IrliliiJIs: ,~.-L
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<br />Form 3028 1/01
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<br />CiliMorlgage ~.2.ll.()1 VII
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