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200805023 (C) "Lender" Is CitiMortgage, Inc. Lender is a Corporation organized and existing under the Jaws of New York Lender's address Is 1000 Technology Drive, 0' Fallon, MO 63368-2240 (D) "Trustee" Is First American Title Company (E) "MERS" is Mortgage Electronic Regislralion Systems, Inc. MERS Is a separate corporatlon that Is acting solely as a nominee for Lender IInd Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS Is organized and existing under the Jaws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (F) "Note" means the promissory note signed by Borrower and dated June 4, 2008 The Note states that Borrower owes Lender One Hundred Thirty Seven Thousand Seven Hundred Dollars (U .5. $ 137,700.00 ) plus interest. Borrower has promised to pay this debt In regular Periodic Payments and to pay the debt In full not later than July 1, 2038 (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " (H) "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 (I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. Tbe following Riders are to be executed by Borrower [check box as applicable}: D Adjustable Rate Rider D Balloon Rider D VA Rider D Condominium Rider 0 Second Home Rider D Planned Unil Development Rider D 1-4 Family Rider D Biweekly Payment Rider 00 Other(s) [specifY} Schedule "A" (1) "Applicable Lnw" means all controlllng 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. (K) "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 assoclallon or similar organlzalion. (L) "Electronic Funds Transfer" means any transfer of funds, other tban a transacllon originated by check. draft, or similar paper instrument, which is Initialed through an electronic terminal. telephonic instrument, computer, or magnellc tape so as to order, Instruct, or authorize a financial instltullon to debit or credit an account. Such term Includes. but Is not limited to, polnt-of-sale transfers, automated teller machine transactions, transfers Initiated by telephone. wire transfers, and automated clearinghouse transfers. (M) "Escrow Items" means those items that are described in Section 3. (N) "Miscellaneous Proceeds" means any compensation, settlement, award 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; (il) condemnalion or other taking of all or any part of the Property; (ill) conveyance in lieu of condemnation; or (Iv) mlsrepresentatioIls of, or omissions as la, the value and/or condillon of the Property. (0) "Mortgage Insurance" meaIlS insurance protecting Lender against the nonpayment of. or default on, the Loan. ~ 002005425058 !Inlll.l' <!lIt-6A(NE) (04071.01 P'go 2 ailS Form 3028 1101 CltIMortgngc 3.2.15.13 VG