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�o�ios5o9 <br />(C) "Lender" is Citibank, N.A. <br />Lender is a Corporation <br />organized and existing under the laws ofthe United States <br />Lender's address is 1000 Technology Drive O' Fallon, MO 63368-2240 <br />(D) "Trustee" is First Americ�a Title Company <br />(� "MERS" is Mortgage Electronic Registraflon Systems, Inc. MERS 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 Instrument. MERS is organized and exlsting under the laws of Delaware, and has an address and <br />telephone number of P.O. Box 2026, Flznt, MI 48501-2026, tel. (888) 679-MERS. <br />(F) "Note" means the promissory note signed by Borrower and dated August 30, 2011 . The Note <br />states that Borrower owes Lender One Hundred Thousand <br />Dollars (IJ.S. $100,000.00 ) plus interest. Borrower has promised to pay this debt in regular <br />Periodic Payments and to pay the debt in full not later than September 1, 2041 . <br />(G) ° 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 dne <br />under the Note, and all snms due under this Security Instrument, plus interest. <br />(1) "Riders° means all Riders to this Securlty Instrument that are executed by Borrower. The following Riders <br />are to be executed by Borrower [check hox as applicable]: <br />�] Adjustable Rate Rider 0 Condominium Rider [] Second Home Rider <br />❑ Balloon Rider � Planned Unit Development Rider � 1-4 Family Rider <br />[] VA Rider � Biweekly Payment Ritder (� Other(s) [spedfy] <br />(J) "Applicable Law" means a11 controlling applicable federal, state and local stahttes, regulations, ordinances <br />and administrative rules and orders (that have ihe effect of law) as well as all applicable final, non-appealable <br />judicial opinions. <br />(Pn "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 condomuuum association, homeowners <br />association or similar organization. <br />(L) "Beetronie Funds Transfer" means any transfer of funds, otlner than a transaction originated by check, <br />draft, or similar paper instrument, w}rich is initiated throngh an electronic terminal, telephonic instrument, <br />computer, or magneflc tape so as to order, instruct, or authorize a financial institution to debit or credit an <br />account. Such. term u►cludes, but is not Iimited to, point-of-sale tzansfers, automated teller machine <br />transaciions, transfers initiated by telephone, w3re transfers, and automated clearinghouse transfers. <br />(M) "Escrow Items" means those items that aze described in Sectian 3. <br />00'1122625125 ClUbank 3.2.49.09 V2 <br />v N �� KA-Single Femily-Fannie NTae/Freddla Mac UNIFQRM IMSTRUMENT WITH MERS Fortn 3029 1/01 <br />Walt�s Kluw� Finaraial S�v)ces �AA�BA(NEj �1'105I.W <br />Pege 2 of 17 <br />