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<br />(C) "Lend�r" is Cit�lVlartgage, Ino.
<br />Lender is a Corporation
<br />organized and existing under the laws of New Yark .
<br />Lender's address is 1000 Tachnalogy Drive, O' Fallan, MO 633b$-2240
<br />(D) "Trustee" is First American Titla Campany
<br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is
<br />acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary
<br />under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an
<br />address and telephone number af P.Q. Box 2Q26, �'lint, MI 4$501-2026, tel. (88$) 679-MERS.
<br />(F') "Note" means the promissory note signed by Sarrower and dated November 5, 2010 .
<br />The Nate states that Sarrower owes Lender Seventy Five Thousand Savon Hundred Forty One
<br />Dollars
<br />(U.S. $ 75,741.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic
<br />Payments and to pay the debt in full not later than Dacombar 1, 2025 .
<br />(C�) "Propetty" m:eans khe property that is described below under the heading "Transfer nf Rights in the
<br />Property."
<br />(I� "Loan" rneans the debt evldenced 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) "Ridars" means all Riders to this Security Instrument that are executed by Borrower. The following
<br />Riders are to be executed by Barrower [check box as applicable]:
<br />[] Adjustable Rate Rider [] Condorniniam Rider 0 Second Hnme Rider
<br />❑ Balloon Rider 0 Planned Unit Development Rider 0 1-4 Family Rider
<br />�X VA Rider 0 Biweekly Payment Rider � Other(s) [specify]
<br />Other(s):
<br />(7) "Applicable Law" means all cantrolling applicable federal, state and local statutes, regulations,
<br />ordinances and administrative rules and orders (that have the effect of law) as well as al1 applicable final,
<br />non-appealable judicial opinions.
<br />(K) "Community Association Ducs, Fecs, and Asscssmants" means all dues, fees, assessrnents and other
<br />charges that are imposed on Borrower or the Property by a condominium association, homeowners
<br />association ar sirnilar organization.
<br />(L) "Electranio Funds Transfar" means any transfer of funds, other than a transaction originated by
<br />check, draft, nr similar paper instrument, which is initiated through an electronic terminal, telephonic
<br />instrurnent, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to de6it
<br />or credit an account. Such term includes, but is not limited ta, point-of-sale transfers, automated teller
<br />rnachine transactions, trans£ers initiated by telephone, wire transfers, and automated clearinghouse
<br />transfers.
<br />(M) "Eserow Items" means those items that are described in Section 3.
<br />([�T) "Miacellaneons Proceeds" means any cornpensation, setdernent, award of darnages, or prpceeds 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 ather taking af 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 an,
<br />the Loan.
<br />001122236652 Citill�Iortgage 3.2.42.07 Vll
<br />N�RASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUM�VT WITH MB7S
<br />�$A(NE,1(oaio� Page 2 oi 15 iniciais: � Form 3028 1/D1
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