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<br />(C) '7,ender" is MORTGAGE RESEARCH CENTER, LLC DBA
<br />VAMORTGAGECENTER.CQM
<br />Lender is a MISSOURr CORPORATION organized
<br />and existing under the laws of M I S S OUR I
<br />Lender's address is 2101 CHAPEL PLAZA COURT, SUITE 107, COLUM$IA,
<br />MISSOURT 65203
<br />(D) 'Trustee" is CHICAGO TITLE INSURI�NCE COMPANY
<br />(E) "MER5" is Mortgage Electronic Registration Systems, Inc. MERS is a sepazate corporation that is acting
<br />solely as a nominee for Lender and Lender' s successors and assigns. MERS is the beneficiary under this Seeurity
<br />Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number
<br />af P.O. Box 2026, Flint, MI 4$501-2026, tel. (888) 679-MERS.
<br />(� '�Vote" means the promissory note signed by Borrower and dated NOVEMBER 10 , 2 011
<br />The Note states that Borrower owes Lender ONE HLTNDRED NINETY- SIX THOUSAND SEVEN
<br />HUNDRED EIGHTY-SIX AND Op/100 Doliars (U.S. $ 196, 786. QO )
<br />plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in fu11 not
<br />Iater than DECEMBER 1, 2 041 ,
<br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property,"
<br />(T� "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under
<br />the Note, and all sums due under this Security Instrument, plus interest.
<br />(n 'Riders" means all Riders to this Security Instrument that are executed by Barrower. The following Riders are
<br />to be executed by Borrower [check box as applicable]:
<br />� Adjustable Rate Rider
<br />� Balloon Rider
<br />� 1-4 Family Rider
<br />� Condominium Rider
<br />[] Planned Unit Development Rider
<br />[] Biweekly Payment Rider
<br />[] Second Home Rider
<br />� Other{s) [specify]
<br />VA Assumptian Policy Rider
<br />(J} "Appticable Law" means atl controtling applicable federal, state and Iocal statutes, regulations, ordinances and
<br />administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial
<br />opinions.
<br />(I� "Community Association Dues, Fees, and Assessments" means al[ dues, fees, assessments and other charges
<br />that are imposed on Borrower or the Property by a condominium association, homeowners assaciation or sirnilaz
<br />organization.
<br />(L) "Eleetronic Funds Transfer" mear�s any transfer of funds, other than a transaction ariginated by check, draft,
<br />or similar paper instrument, which is initiated through an electronic terminal, tel�phonic instrument, cornputer, or
<br />magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term
<br />inciudes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by
<br />telephone, wire transfers, and automated clearinghouse transfers.
<br />(M} '�scrow Items" means those items that are described in Section 3.
<br />(N) '7VIiscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any
<br />third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or
<br />destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in
<br />lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property.
<br />{lZev. 1l01)
<br />M INSTRUMENT
<br />VETERANS AFFAIRS - MERS
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