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<br />(C) "L~der" 1S C1tlNlart~ge, iliCi.
<br />Lender is a Carporation
<br />organized and existing under the laws of Now York
<br />Lender's address is 1000 Technology Drive, O' Fallon, MO 63368-2240
<br />(D) "Trustee" is First American Title Company .
<br />(E) "HERS" is Mortgage Electronic Registration Systems, Inc. MFRS is a separate corporation that is
<br />acting solely as a nominee for Lender and Lender's successors and assigns. HERS is the bene5ciary
<br />under this Security Instrument. HERS is organized and existing under the laws of Delaware, and has an
<br />address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MFRS.
<br />(F) "Note" means the promissory note signed by Borrower and dated March 23, 2010
<br />The Note states that Borrower owes Lender Sixty Eight Thousand Five Hundrod
<br />Dollars
<br />(U.S. $ 68,500.00 )plus interest. Borrower has promised to pay this debt in regular Periodic
<br />Payments and to pay the debt in full not later than April 1, 2040
<br />((~) "Property" means the property that is described below under the heading "Transfer of Rights 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 Nate, 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 as applicable]
<br />[] Adjustable Rate Rider L] Condominium Rider [] Second Home Rider
<br />[] Balloon Rider [] Planned Unit Development Rider [] 1-4 Family Rider
<br />VA Rider 0 Biweekly Payment Rider [] Other(s) [specify]
<br />Other(s):
<br />(7) "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) "Blactra~tic 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 />~ "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 />(O) "Martgage Insurance" means insurance protecting Lender against the nonpayment af, or default on,
<br />the Loan.
<br />001121146680 Cit;Mortgage 3.2.34.07 V2
<br />N SKA -Single Family -Fermis MadFroddb Mac UNIFORIIA INSTRUMBdT WITIi M93.5
<br />- $A(Nq (aa~o) Page 2 or ys initials: ~ ~°T F01'n13028 1/01
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