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<br />(C) "L�der" is CitiMortgage, Inc.
<br />Lender is a Corporation
<br />organized and exist�r►g under the laws of New York
<br />Lender's address is 1000 Technology Driva, O' Fallon, MO 6336&Z?AO
<br />(D) "Trnstee" is First American Title Company
<br />(E) "MER3" is Mortgage Electronic Registraflon Systems, Iac. MERS is a separate corporaHon that is
<br />acdng solely as a nomiuee for Lender and Lender's successors and assigns. MERS ia the beneflciary
<br />unda this Seauity Inetrnmeat. MERS is organized and eadsting under the l�ws of Delaware, and has an
<br />address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.
<br />(F) "Note" means the promissory note signed by Borrower and dated Apr� 11, 2011 •
<br />The Note states that Borrower owes Lender Thirty Nme Thousand Seven Hundrod FiBy
<br />Dollars
<br />(U.S. $ 39,750.00 ) plus interest. Borrower has promised to pay this debt in re�uular Per�odic
<br />Payments and to pay the debt in full not later than May 1, 2041 •
<br />(G) "Prop�ty" means the property that is described below under the heading "Transfer of Rights in the
<br />��
<br />(H) L " means the debt evldenced by t}►e Note, plus interest, a�ty prepayment charges and late charges
<br />due under We Note, and all sums dne under tLis Securlty Inshvment, plus interesi.
<br />(I) "Riders" means all Riders to this Security Inswment that are executed by Borrower. The following
<br />Riders are to be executed by Borrower [check box as applicable]:
<br />� Ad,justable Rate Rider � Condominium Rider � Second Home Rider
<br />� Balloon Rider Q Planned Unit Development Rider �X 1-4 Family Rider
<br />VA Rider [] Biweekl,y Pa,yment Rider [� Other(s) [specify]
<br />3chednle "A� �
<br />(J) "Applicable Law" means all controll�ng appllcable federal, state and local statutes, regulations,
<br />ordinances aad administrative rules and orders (that have the effect of law) as well as all applicable f�nal,
<br />non-ap�alable judicial opinions.
<br />(K) "Cammunity Associadon Daes, Feas, and Asses�mta" means all dues, fees, assessments and other
<br />charges that are imposed on Borrower or the Property by a condominlum associaflon, homeowners
<br />ass�iaflon or similar organizaHon.
<br />(L) "Eledraaic Fnnds Transfa" means any transfer of funds, other than a transacHon or�ginated by
<br />check, draft, or similaz paper instrument, which is iaitiated tbrough an electronic terminal, telephonic
<br />instrument, computer, or magnetic tape so as to order, instruct, or authorize a finac►cial instituflon to debit
<br />or credit an account. Such term includes, but is not limited to, �int-of-sale transfers, automated teller
<br />machine transactions, transfers initiated by telephone, wlre transfers, and automated clearfn$house
<br />hat�sfers.
<br />{1Vn "Escrow Items" means those items that are described in Sectlon 3.
<br />{l� "Miscellaneous Proceeds" means any compensation, setdement, award of damages, or proceeds paid
<br />by any third party (other than insurance proceeds paid under the cwerages described in Section 5) for. (i)
<br />damage to, or destrucHon of, the Property; (ii) condemnaflon or other taking of all or any part of the
<br />Property; (iii) comeyauce in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the
<br />value and/or condition of tLe Property.
<br />(0) "Mortgage Inauraace" means insurauce protecting Lender against the nonpayment of, or default on,
<br />the I�.
<br />�11??399875 Cit�vlaatgage 3.2.45.41 V2
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