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<br />(C) "Lender" is USAA Fedexal Bavings Bank
<br />Lender is a federally chartered savings bank
<br />organized and existing under the laws of the United Stat�es af p,merica
<br />I..ender's address is 10750 McDermatt Freeway, San Antonio, TX 78288
<br />(D) "Trustee" is Susan L. St�ryker
<br />(E) "MERS" is Mortgage Electronic Registration Systerns, Inc. MERS is a separate corporation that is
<br />acting solely as a nominee for I.ender and Lender's successors and assigns. MERS is the bene�ciary
<br />under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an
<br />address an.d telephone number of P.O. Box 2026, Flint, MI 4$501-2026, tel. (888) 679-MERS.
<br />(F� "Nate" means the promissory note signed by Borrower and dated November 16, 2010 .
<br />1'he Note states that Borrower owes Lender Two Hundred Four Thousand Three Hundxed And
<br />Zero / 10 U Dollars
<br />(U.S. $ 204, 300 _ 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 Deaember 01, 2040 .
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the
<br />Pxaperty. "
<br />(I� "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 />(n "Ridecs" rneans 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 � Candominium Rider 0 Second Home Rider
<br />0 Balloon Rider � Plaiu�ed Unit Development Rider [] 1-4 Family Rider
<br />� VA Rider ❑ Biweekly Payment Rider ❑ Other(s) [specify]
<br />(.n "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 Assessmeats" means all dues, fees, assessments and other
<br />charges that are imposed on Borrower or the Property by a condaminium association, homeowners
<br />association or similar organiaation.
<br />(L) "Eleetrouic Funds Transfer" means a��y transfer of funds, other than a transaction originated by
<br />check, draft, or similar paper instrument, which is initiated through an electronic ternunal, telephonic
<br />instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institutivn tp debit
<br />or credit an account. Such term includes, but is not limited to, point-qf-sale transfers, automated teller
<br />machine transactions, transfers izutiated by telephone, wire transfers, and automated cleacinghouse
<br />transFers.
<br />(11� "Escrow Items" means those items that are described in 5ection 3.
<br />(1� "Miscellaueous Froceeds" means any compensation, settlement, award af damages, or proceeds paid
<br />by any thicd party (other than insurance proceeds paid under the caverages described in Section 5) for: (i)
<br />damage to, or destructian of, the Property; (ii) condernnation or othec taking of all or any part of the
<br />Prnperty; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissians as to, the
<br />value and/nr condition of the Property.
<br />(0) "Mortgage �nsurance" means insurance pxotecting Lender against the nonpayment of, or default on,
<br />the Loan.
<br />�ixx��2�13
<br />�-BAINE) coao�i.oi
<br />Initial6: L��
<br />Paga 2 of 15
<br />ioo�ieo72�
<br />Form 3028 1l01
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