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<br />(C) "Lender" is u . S . SANK , N . A .
<br />Lender is a NATIONAL ASSOCIATION
<br />organized and existing under the laws of THE tJN'ITED STATES Ole AMERICA
<br />Lender's address is 4 8 01 FREDERICA STREET , OWENS808o , KY 4 2 3 O 1
<br />(D) "Trustee" is U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION,
<br />111 SW FIFTH AVENUE, PORTLAND, OR 97204
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MFRS is a separate corporation that is acting
<br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this
<br />Security lnstrument. MERS is organized and existing under the laws of Delaware, and has an address and
<br />telephone number of P.O. Sox 2026, Flint, MI 485x1-2D26, tel. (888) 679-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated MAY 19 , 2 0 0 9
<br />The Note states that Borrower owes Lender EIGHTY THREE THOUSAND FIVE TitJNDRED AND
<br />NO/10 0 Dollars
<br />(U.S. $ s 3 , 5 0 0 . o o )plus interest. Borrower has promised to pay this debt in regular Periodic
<br />Payments and to pay the debt in full not later than JUNE 1, 2 0 3 9
<br />(G) "Property" means the property that is described below under the heading "Transier of Rights in the
<br />Property. "
<br />(H) "L,oan" 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 lnstrument, plus interest.
<br />(I) "Riders" means all Riders to this Security lnstrument that are executed by Borrower. The following
<br />Riders are to be executed by Borrower [check box as applicable]:
<br />^ Adjustable Rate Rider ^ Condominium Rider ^ Second Home Rider
<br />^ Balloon Rider ^ Planned Unit Development Rider ^ 1-4 Family Rider
<br />^ VA Rider ^ Biweekly Payment Rider ^ Other(s) [specify]
<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 check,
<br />draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument,
<br />computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an
<br />account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine
<br />transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse 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 by
<br />any third party (other than insurance proceeds paid under the coverages described in Section S) far: (i)
<br />damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property;
<br />(iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or
<br />condition of the Property.
<br />(O) "Mortgage Insurance" means insurance protecting bender against the nonpayment of, or default on, the
<br />Loan.
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<br />Inklals:
<br />-6A(NE) ~oao».oi Page 2 of 15 Form 3028 1/01
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