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26. WAIVERS. Except to the extent prohibited by law, Trustor waives all appraisement and homestead exemption rights relating to the Property. 27. OTHER TERMS. If checked, the following are applicable to this Security Instrument: I Line of Credit. The Secured Debt includes a revolving line of credit provision. Although the Secured Debt may be reduced to a zero balance, this Security Instrument will remain in effect until released. I Construction Loan. This Security Instrument secures an obligation incurred for the construction of an improvement on the Property. I Fixture Filing. Trustor grants to Beneficiary a security interest in all goods that Grantor owns now or in the future and that are or will become fixtures related to the Property. This Security Instrument suffices as a financing statement and any carbon, photographic or other reproduction may be filed of record for purposes of Article 9 of the Uniform Commercial Code. I T Riders. The covenants and agreements of each of the riders checked below are incorporated into and supplement and amend the terms of this Security Instrument. [Check all applic hle hoxesj 1 Condominium Rider 1 Planned Unit Development Rider [ ' Other 1. I Additional Terms. SIGNATURES: By signing below, Trustor agrees to the terms and covenants contained in this Security Instrument and in any attachments. Trustor also acknowledges receipt of a copy of this Security Instrument on the date stated on page 1. (signature) IMOTHY S. ` GINS (Signature) DEE ANN HIGGI Loan Originator Organization ID: 402761 Loan Originator Organization: U.S. Bank National Association My commission expires: Originator ID: 000001245380 Originator Name: EDUARDO CRUZ ACKNOWLEDGMENT: ��` STATE OF < X.. j,,°sk / , COUNTY OF I / 1 / } ss. (Individual) This instrument was acknowledged before me this ./ day of J ' c201! - by .T.LMO.T1-(Y.. H.I.GGI NS. AND. DEE ANN.HIG.GINS, .MARRIED .T.Q.EACH. OTHER 1994 Wolters Kiuwer Financial Services - Bankers Systems * Form USB-REDT-NE 11/16/2012 20T050 DID Ger. ;ary Matt . ctn . *** on :' 'P- 21, -$1S