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<br />200805531
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<br />(C) "Lender" is CitiMorlgage, Inc.
<br />
<br />Lender is a Corporation
<br />orgw1ized 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 />(E) "MERS" i.. Mortgage Electronic Registrntion Systems, Inc. MERS is a separate cOlpomtion that is
<br />acting solely 8'> a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary
<br />under this Security Instrument. MENS is organized and existing under the laws of Delaware, and h8'> an
<br />address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MENS.
<br />(F) "Note" means the promissory note signed by Borrower and dated June 20, 2008
<br />The Note states that Borrower owes Lender One Hundred Nineteen Thousand Three Hundred Seventy
<br />F: j VQ. Dollars
<br />(U.S. $ 119,375.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic
<br />Payments and to pay the debt in full not later than July 1, 2023
<br />(G) "Property" means the property that is described below under the heading '~fransfer of Ri~hts in the
<br />Property. "
<br />(H) "Loan" 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 />(I) "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 8'> applicable]:
<br />
<br />D Adjustable Rate Rider
<br />D Balloon Rider
<br />D VA Rider
<br />
<br />D C-<>ndominium Rider D Second Home Rider
<br />D Plamed Unit Development Rider D 1-4 Family Rider
<br />D Biweekly Payment Rider 00 (")tll".(~) [:l~iiif~]
<br />. Sllllll"yle ":"_",
<br />
<br />(J) "Applicable Law" means all controlling applicable fedeml, state and local statutes, regulations,
<br />onlinances and administmtive rules and orners (that have the effect of law) 8'> well 8'> all applicable final,
<br />non-appealable judicial opinions.
<br />(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, 8'>sessments and other
<br />charges that are imposed on Borrower or the Property by a condominium 8'>sociation, homeowners
<br />association or similar organization.
<br />(I..) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by
<br />check, dmft, or similar paper instrument, which is initiated through an electronic tenninal, telephonic
<br />instnunent, computer, or magnetic tape so as to orner, instruct, or authorize a financial institution to debit
<br />or credit an account. Such term ineludes, 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 item.. that are described in Section 3.
<br />(N) ''Miscellaneous Proceeds" means any compensation, settlement, awanl of damages, or proceeds paid
<br />by any thinl party (other than insunmce 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 8'> to, the
<br />value and/or condition of the Property.
<br />(0) "Mortgage Insurance" means insumnce protecting Lender against the nonpayment of, or default on,
<br />the Loan.
<br />
<br />002005398805
<br />_-6A(NE) (0407)_01
<br />@
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<br />"- 2 0115
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<br />Imialo: {//'fS
<br />r Form3028 1/01
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<br />. C;...._ 3.' 15." "
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