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<br />200804181 <br /> <br />(C) "Lender" is CitiMortgage, Inc, <br /> <br />Lender is a Corporation <br />organized and existing under the laws of New York <br />Lender's address is 1000 Technology Drive, 0' Fallon, MO 63368-2240 <br /> <br />(D) "Trustee" is First American Title Company <br /> <br />D Adjustable Rate Rider <br />D Balloon Rider <br />D VA Rider <br /> <br />D Condominium Rider D Second Home Rider <br />D Planned Unit Development Rider D 1-4 Family Rider <br />D Biweekly Payment Rider [Xl Other(s) [specify] <br />Schedule "A" <br /> <br />(J) "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 />(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 condominium association, homeowners <br />association or similar organization. <br />(L) "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 so as 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 />(M) "Escrow Items" means those items that are described in Section 3. <br />(N) "Miscellaneous 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 5) 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 />(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, <br />~~. r <br /> <br />002005340679 <br /> <br />.-SA(NE) (0407).01 <br />@ <br /> <br />Initials~ <br /> <br />Page2of15 <br /> <br />Form 3028 1/01 <br /> <br />CitiMortgage 3.2.13.21 V2 <br />