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202601626 2511780176 (L) "Electronic Signature" means an "Electronic Signature" as defined in the LILT,\ or I -SIGN, as applicable. (M) "E-SIGN" means the Electronic Signatures in (Global and National Commerce Act (15 U.S.C. § 7001 el seq.), as it may be amended from time to time. or any applicable additional or successor legislation that governs the same subject matter. (N) "Escrow items" means: (i) taxes and assessments and other items that can attain priority over this Security Instrument as a lien or encumbrance on the Property; (ii) leasehold payments or ground rents can the Property, if any; (iii) premiums for any and ali insurance required by Lender under Section 5: (iv) Mortgage Insurance premiums, if any, or any sums 'payable by Borrower to Lender in lieu of the payment of Mortgage insurance premiums in accordance with the provisions of Section 1 1 ; and (v) Community Association Dues, lees, and Assessments if Lender requires that they be escrowed beginning at Loan closing or at any time during the Loan term. (0) "Loan" means the debt obligation evidenced by the Note, plus interest, any prepayment charges, costs, expenses, and late charges due under the Note, and all. sums due under this Security Instrument, plus interest. (P) "Loan Servicer" means the entity that has the contractual right to receive 'Borrower's Periodic Payments and any other payments made by Borrower, and administers the Loan on behalf of Lender. Loan Servicer does not include a sub-servicer, which is an entity that may service the Loan on behalf of the Loan Servicer. (Q) "Miscellaneous Proceeds" means any compensation, settlement. award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property: (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (R) "Mortgage Insurance" ntearts insurance protecting Lender against the nonpayment of, or Default on, the Loan. (S) "Partial Payment" means any payment by Borrower, other than a voluntary prepayment permitted under the Note, which is less than a full outstanding Periodic Payment. co "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3. (Ll) "Property" means the property described below under the heading "TRANSFER OF RIGHTS IN THE PROPERTY." (V) "Rents" means all amounts received by or due Borrower in connection with the lease, use, and/or occupancy of the Property by a party other than Borrower. (W) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its implementing regulation. Regulation X (12 C.F.R. Part 1024), as they may he amended from time to time, or any additional or successor federal legislation or regulation that governs the same subject matter. When used in this Security Instrument, "RESPA" refers to all requirements and restrictions that would apply to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (X) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security instrument. (Y) "UETA" means the Uniform Electronic 'transactions Act, as enacted by the jurisdiction in which the Property is located, as it may he amended from time to time, or any applicable additional or successor legislation that governs the same subject matter. TRANSFER OF RIGHTS IN THE PROPERTY The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lender's successors NE:BRASK1 Singly Family --Fannie Mac/Freddie Mac UNIFORM INSTRUN NT Form 3(128 07,2021 iE.; 28306.0 Pusc3ofIN