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a J M = y .` -- C3 No �. -- -n M CA m W EN RECORDED, MAIL TO: Z =3 -< o CD :� Integrated Loan Services 27 Inwood Road n N - _.. Rocky Hill, CT 06067 _ n ° ' o ILS # :! co 25'3,53 Z n w U-) �2 �� THIS INSTRUMENT WAS PREPARED BY 4 C.0 (n (D =- SHAILESH D'SOUZA C co Z ACCOUNT NO.: 2708937863 O 200403198 HOME EQUITY LINE OF CREDIT DEED OF TRUST In this Deed of Trust, "You ", "Your" and "Yours" means JUDY SHEEKS, ( "Trustor "). "We," "Us" and "Our" means CITIBANK FEDERAL SAVINGS BANK, which has a home office of 11800 Spectrum Center Drive, Reston, VA 22090 (beneficiary). The "Trustee" means Dennis P. Green or any successor appointed pursuant to paragraph 28 of this Deed of Trust. The 'Borrower" means JUDY J SHEEKS and JULIO A RIVAS ('Borrower "). SO The "Agreement" means the Home Equity Line of Credit Agreement and Disclosure of even date herewith signed by the Borrower in connection with this Deed of Trust. The "Property" means the real estate, including the leasehold (if any), located in HALL County, a f �'9a �/ t=om t��u�yl [7 r ue%. 6�rCc4,( [SEE ATTACHED LEGAL DESCRIPTION] THIS DEED OF TRUST between You and Us is made as of the date next to Your first signature below and has a final maturity date 30 years and 2 months from such date. The Agreement provides that the credit secured by the Property is an open -end revolving line of credit at a variable rate of interest. The maximum amount of all loan advances made to the Borrower under the Agreement and which may be secured by this Deed of Trust may not exceed $35,000.00 (the "Credit Limit "). At any particular time, the outstanding obligation of Borrower to Us under the Agreement may be any sum equal to or less than the Credit Limit plus interest and other charges owing under the Agreement and amounts owing under this Deed of Trust. Obligations under the Agreement, Deed of Trust and any riders thereto shall not be released even if all indebtedness under the Agreement is paid, unless and until We cause a reconveyance of the property to be executed to Trustor and such release is properly recorded. TO SECURE to Us: (a) the payment and performance of all indebtedness and obligations of the Borrower under the Agreement or any modification or replacement of the Agreement; (b) the payment of all other sums advanced in accordance herewith to protect the security of this Deed of Trust, with finance charges thereon at the variable rate described in the Agreement; and (c) the payment of any future advances made by Us to Borrower (pursuant to Paragraph 16 of this Deed of Trust (herein "Future Loan Advances ")) and, in consideration of the indebtedness herein recited, You hereby irrevocably grant and convey to the Trustee, in trust for our benefit, with power of sale, the Property; TOGETHER WITH all the improvements now or hereafter erected on the Property, and all easements, rights, appurtenances, rents (subject however to the rights and authorities given herein to You to collect and apply such rents), royalties, mineral, oil and gas rights and profits, water, water rights and water stock, and all fixtures now or hereafter attached to the Property (which, if this Deed of Trust is on a unit in a condominium project or planned unit development, shall include the common elements in such project or development associated with such unit), all of which, including replacements and additions thereto, shall be deemed to be and remain a part of the Property. Record and Return i `sa Integrated Loan services 27 Inwood Road SHEEKS, JUDY J Rocky Hill, CT 06067 - 'l CFX- H- SI- 703 -NE 1 of 8 Revised 09/02/2003 SHEEKS ACAPS: 104021807687000