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200602392 (A) July "Security Instrument" means this Home Equity Line of Credit Deed of Trust, which is dated 8, 2005 ' together with all Riders to this document. (ll) "Borrower" is RHONDA HAWTHORNE . Borrower is the trustor under this Security Instrument. (C) "Lender" is EverBank United States of America Jacksonville, FL 32256 Federal Savings Bank organized and existing under the laws of . Lender's address is 8201 Cypress Plaza Drive, Suite 100, Lender is a (D) "Trustee" is First Anerican Title Insurance Canpany (E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (F) "Agreement" means the Home Equity Line of Credit Agreement and Promissory Note signed by Borrower and dated July 8, 2005 . The Agreement states Lender has agreed to make advances to Borrower under the terms of the Agreement, such advances to be of a revolving nature. The total outstanding principal balance owing at anyone time under the Agreement (not including charges and collection costs which may be owing from time to time under the Agreement) is not to exceed the Credit Limit dfifty thousand and NO/100ths Dollars (U.S. $ 50,000.00 ) plus interest. Borrower has promised to pay the total outstanding balance in Periodic Payments and to pay the entire debt in full not later than August 1, 2030 (G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (H) "Account" means the debt evidenced by the Agreement, plus interest, any other charges due under the Agreement, and all sums due under this Security Instrument, plus interest. (I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The foIl owing Riders are to be executed by Borrower [check box as applicable]: D Adjustable Rate Rider D Balloon Rider D 1-4 Family Rider D Other(s) [specify} D Condominium Rider D Planned Unit Development Rider D Revocable Trust Rider D Second Home Rider o Biweekly Payment Rider (J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative ndes and orders (that have the effect ofIaw) as well as all applicable final, non-appealable judicial opinions. (K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. Loan No: 6544500104 Nebraska Home Equity Line of Credit Dccd or Trust-Hrst Lien MERS Modified -THE COMPLIANCE SOURCE, INC.- Page 2 of 14 www.compliancesource.com I11I11111111111111111111111111111111111111111111111111I1I1I11111111111 95044Nl: 07/02 02002, The Compliance Source. Inc. ..