                                                                                           ACCEPTED
                                                                                        01-15-00373-cv
                                                                            FIRST COURT OF APPEALS
                                                                                    HOUSTON, TEXAS
                                                                                  8/10/2015 5:13:17 PM
                                                                                 CHRISTOPHER PRINE
                                                                                                CLERK


                            NO. 01-15-00373-CV

                                                                  FILED IN
                                                           1st COURT OF APPEALS
                    IN THE COURT OF APPEALS FOR                HOUSTON, TEXAS
                     THE FIRST DISTRICT OF TEXAS           8/10/2015 5:13:17 PM
                             AT HOUSTON                    CHRISTOPHER A. PRINE
                                                                   Clerk



                                 MARY RUST
                                  Appellant,

                                     v.

                         BANK OF AMERICA, N.A.
                               Appellee.


     On appeal from the County Court at Law No. 1 of Travis County, Texas
                   Trial court cause no. C-1-CV-14-010108
                        Hon. Todd T. Wong, Presiding


                       BRIEF FOR THE APPELLEE


Mark D. Hopkins
Texas State Bar No. 00793975
Shelley L. Hopkins
Texas State Bar No. 24036497
Hopkins Law, PLLC
12117 Bee Caves Rd., Suite 260
Austin, Texas 78738
(512) 600-4320- Telephone
(512) 600-4326- Facsimile
mark@hopkinslawtexas.com

ATTORNEYS FOR APPELLEE

August 10, 2015


                                     1
                   IDENTITY OF PARTIES AND COUNSEL

       Pursuant to Texas Rule of Appellate Procedure 38.2(a)(l), Appellee certifies
that the following is a complete list of all parties and counsel:


1.    Appellee:                      Bank of America, N.A.

      Represented at trial
      and on appeal by:              Mark D. Hopkins
                                     Texas State Bar No. 00793975
                                     Shelley L. Hopkins
                                     Texas State Bar No. 24036497
                                     Hopkins Law, PLLC
                                     12117 Bee Caves Rd., Suite 260
                                     Austin, Texas 78738
                                     (512) 600-4320- Telephone
                                     (512) 600-4326- Facsimile



2.    Appellant:                     Mary Rust

      Represented at trial
      and on appeal by:              David A. Rogers
                                     Texas State Bar No. 2401089
                                     Law Office of David Rodgers
                                     1201 Spyglass Drive, Suite 100
                                     Austin Texas 78746
                                     (512) 923-1836- Telephone
                                     (512) 777-5988- Facsimile
                                     Firm@DARogersLaw.com

3.    Trial Judge:                   Hon. Todd T. Wong
                                     County Court at Law No. 1
                                     Travis County, Texas




                                       2
                                         TABLE OF CONTENTS


BRIEF FOR THE APPELLEE ................................................................................. 1
IDENTITY OF PARTIES AND COUNSEL ........................................................... 2
TABLE OF CONTENTS .......................................................................................... 3
INDEX OF AUTHORITIES ..................................................................................... 4
STATEMENT OF THE CASE ................................................................................. 7
ISSUES PRESENTED .............................................................................................. 8

   1. Did the Trial Court appropriately enter judgment for Appellee on
      its forcible detainer suit based upon the documents admitted into
      evidence establishing Appellee's superior right to immediate
      possession of the Property, such evidence being: (a) a deed of trust
      with tenancy at sufferance clause, (b) a substitute trustee's deed,
      and (c) a notice to vacate? ............................................................................... 8

   2. Did the trial court err in awarding Appellee Attorney's Fees
      pursuant to Texas Property Code 24.006(b )? .................................................. 8
STATEMENT OF FACTS ....................................................................................... 9
SUMMARY OF THE ARGUMENT ..................................................................... 10
ARGUMENTS & AUTHORITIES ........................................................................ 11
PRAYER ................................................................................................................. 20
CERTIFICATE OF SERVICE ............................................................................... 21
CERTIFICATE OF COMPLIANCE ...................................................................... 22
APPENDIX ............................................................................................................. 23




                                                          3
                                   INDEX OF AUTHORITIES
CASES                                                                                         PAGE(S)

Bierwirth v. Fed. Nat. Mortg. Ass 'n.,
  2014 WL 902541 (Tex. App.- Austin 2014)(mem. op.) .................................... 18

Bittinger v. Wells Fargo, N.A.,
  2011 WL 4793828 (Tex. App- Houston [14th Dist] 2011) .................................. 14

Black v. Washington Mut. Bank,
  318 S.W.3d 414 (Tex. App.-Houston [1st Dist.] 2010, pet. dism'd w.o.j.) .. 12, 13

City ofKeller v. Wilson,
  168 S.W.3d 802 (Tex.2005) ................................................................................ 11

Clarkson v. Deutsche Bank Nat'/ Trsut Co.,
  331 S.W.3d 837 (Tex. App.-Amarillo 2011, no pet) ....................................... 17

Crumpton v. Stevens,
 936 S.W.2d 473 (Tex. App.-Fort Worth 1996, no writ) ..................................... 13

Deubler v. Bank ofNew York Mellon,
 2011 WL 1331540 (Tex. App.--Fort Worth 2011, no pet.) (mem.op.) ............... l6

Fandy v. Lee,
  880 S.W.2d 164 (Tex. App.-El Paso 1994, no writ) ........................................... 12

Fleming v. Fannie Mae,
  2010 WL 4812983 (Tex. App.-Waco 2010, no pet. h.) (memo. op.) ............... 15

Haith v. Drake,
 596 S.W.2d 194 (Tex. App.-Houston [1st Dist.] 1980, writ refd n.r.e.) ........... 13

Hartzog v. Seeger Coal Co.,
 163 S.W. 1055 (Tex. Civ. App.-Dallas 1914, no writ) ....................................... 13



                                                    4
Home Sav. Ass 'n v. Ramirez,
 600 S.W.2d 911 (Tex. Civ. App.-Corpus Christi 1980, writ refd n.r.e) ............ 13

Hong Kong Dev., Inc. v. Nguyen,
 229 S.W.3d 415 (Tex. App.-Houston [1st Dist.] 2007, no pet.) ......................... 13

Hornsby v. Secretary of Veterans Affairs,
 2012 WL 3525420 (Tex.App.-Dallas Aug. 16, 2012, no pet.) (mem.op.) .... 15, 17

Intercontinental Grp. Partnership v. KB Home Lone Star L.P.,
  295 S.W.3d 650 (Tex. 2009) ............................................................................... 18

Jaimes v. Federal Nat. Mortg. Ass'n,
  2013 WL 7809751 (Tex. App.- Austin 2013(mem. op.) ................................... 18

Kaldis v. Aurora Loan Servs.,
 2010 WL 2545614 (Tex.App.-Houston [1st Dist.] June 24, 2010, pet. dism'd
 w.o.j.) (mem.op.) ................................................................................................. 16

Kindred v. Con/Chem, Inc.,
  650 S.W.2d 61 (Tex.1983) .................................................................................. 11

Martinez v. Beas ley,
 572 S.W.2d 83 (Tex. Civ. App.-Corpus Christi 1979, no writ) .......................... 13

Middleton v. Crestar Mortgage Corp.,
 2000 WL 298694 (Tex. App.-Austin 2000, no pet.) (mem.op.) ....................... 15

Mitchell v. Citifinancial Mortg. Co.,
 192 S.W.3d 882 (Tex. App.-Dallas 2006, no pet.) ........................................... 18

Powelson v. US. Bank Nat'/ Ass'n,
  125 S.W.3d 810 (Tex. App.-Dallas 2004, no pet.) ........................................... 18

Reardean v. Federal Home Loan Mortg. Corp.,
  2013 WL 4487523 (Tex. Civ. App.- Austin, 2013) ........................................... 15


Rice v. Pinney,
  51 S.W.3d 705 (Tex. App.-Dallas 2001, no pet.) ............................ 12, 13, 14, 16

                                                        5
Rodriguez v. Citimortgage,
  2011 WL 182122 (Tex. App.-Austin 2011, no pet.)(memo. op.) ......... 13, 15, 18

Rust v. Bank ofAmerica, N.A.,
  573 Fed. Appx. 343 (5th Cir. 2015) ................................................................. 7, 15

Scott v. Hewitt,
  90 S.W.2d 816 (Tex. 1936) ........................................................................... 12, 13

Smith v. KNC Optical, Inc.,
  296 S.W.3d 807 (Tex. App.--Dallas 2009, no pet) .............................................. 11

Stephens v. Federal Home Loan Mortg. Corp.,
  2011 WL 1532384 (Tex.App.-Fort Worth Apr. 21, 2011, no pet.) ..................... 15

STATUTES                                                                                                PAGE(S)

Statutes

TEX. PROP. CODE §24.002(a)(2) .............................................................................. 16

Tex. Prop. Code §24.006(a) .................................................................................... 19

Tex. Prop. Code §24.006(b) .......................................................................... 8, 18, 19

TEX. R. CIV. P. 746 ............................................................................................ 12, 15




                                                        6
                        STATEMENT OF THE CASE

      This is an appeal by Mary G. Rust ("Appellant" or "Rust") from a final

judgment [CR 376] entered by the County Court at Law Number One in Travis

County, Texas, granting Bank of America, N.A. ("Bank of America" or

"Appellee") immediate possession of property located at 2623 Alcott Lane, Unit A,

Austin, Texas 78748 (the "Property"). Bank of America purchased the Property at

a foreclosure sale on September 4, 2012, and Appellant refused to vacate the

Property after Bank of America's demand. Appellant Rust separately challenged

the underlying foreclosure sale of the Property with a district court lawsuit, the

result of which was an opinion from the United States Court of Appeals for the

Fifth Circuit affirming the validity of the foreclosure sale. See, Appendix Ex. A,

Rust v. Bank ofAmerica, N.A., 573 Fed. Appx. 343 (5th Cir. 2015).




                                       7
                              ISSUES PRESENTED


1.   Did the Trial Court appropriately enter judgment for Appellee on its forcible
     detainer suit based upon the documents admitted into evidence establishing
     Appellee's superior right to immediate possession of the Property, such
     evidence being: (a) a deed of trust with tenancy at sufferance clause, (b) a
     substitute trustee's deed, and (c) a notice to vacate?

2.   Did the trial court err in awarding Appellee Attorney's Fees pursuant to Texas
     Property Code 24.006(b )?




                                        8
                           STATEMENT OF FACTS

      After Appellant Mary Rust ("Appellant" or "Rust") defaulted on her

mortgage, Bank of America, N.A. ("BANA") purchased the real property and

improvements commonly known as 2623 Alcott Lane, Texas 78748 (hereafter,

"Property") at a non-judicial foreclosure sale on September 4, 2012. [CR 346-348]

[Appendix Ex. B]. The Deed of Trust signed by Appellant stated that if the

Property were sold via a non-judicial foreclosure, that she would "immediately

surrender possession of the Property to the purchaser at that sale." [CR 336-344]

[Appendix Ex. C]. The Deed of Trust also states that if possession is not

surrendered, "Borrower [Rust] or such person shall be a tenant at sufferance and

may be removed by writ of possession or other court proceeding." [CR 341-342].

      BANA sent Appellant written notice to vacate the Property via regular and

certified mail on August 15, 2012. [CR 349-355] [Appendix Ex. D]. BANA also

sent a notice to vacate to the "Occupant(s) and/or Tenant(s)" via regular mail on

the same date. !d.

      After Appellant refused to vacate, BANA obtained a Forcible Entry and

Detainer Judgment in its favor from the Justice Court, Precinct 3, Place 1, of Travis

County, Texas. [CR 13]. Appellant appealed the judgment to the County Court at

Law No. 1. [CR 10].




                                        9
      The County Court held a de novo hearing on March 5, 2015. [RR vol. 2] and

during that hearing the Court admitted into evidence the Substitute Trustee's Deed

showing BANA's purchase of the Property at the foreclosure sale and the Deed of

Trust showing Appellant's tenant at sufferance status. !d. After those two exhibits

were admitted the County Court admitted the business record affidavit of Vaughan

over Appellant's hearsay objection. !d. Subsequently, the County Court awarded

immediate possession of the Property to Fannie Mae. [CR 376] [Appendix Ex. E].

This appeal followed.

                        SUMMARY OF THE ARGUMENT

      Evidence Supports Judgment in Favor of Appellee. The Trial Court's

judgment in favor of Appellee is supported by sufficient evidence showing

Appellee's superior right to immediate possession of the Property. Appellee

introduced documentary evidence showing that it had purchased the Property at a

foreclosure sale, that the Deed of Trust to the Property made Appellant a tenant at

sufferance after the foreclosure, that Appellee demanded that Appellant vacate, and

that Appellant refused to do so. Appellant produced no evidence that would

suggest that the Trial Court's decision is so contrary to the overwhelming weight

of the evidence as to be clearly wrong and manifestly unjust.




                                       10
        Attorneys Fees on Appeal. Appellee proved-up through competent

testimony its attorney's fees. The court did not commit error in awarding those

fees.

                        ARGUMENTS & AUTHORITIES

        I.    Standard of Review

        Rust, on appeal, attacks the sufficiency of the evidence supporting the Trial

Court's award of possession of the Property to Bank of America. When, as here, a

party challenges the evidence supporting a finding upon which she did not bear the

burden of proof, the appellate court will sustain the challenge if the evidence

offered to support the finding is no more than a scintilla. Smith v. KNC Optical,

Inc., 296 S.W.3d 807, 811 (Tex. App.--Dallas 2009, no pet.). Evidence is no more

than a scintilla if it is so weak that it does no more than create a surmise or

suspicion of its existence. !d. (citing Kindred v. Con/Chem, Inc., 650 S.W.2d 61,

63 (Tex.1983)). In conducting its review, the appellate court considers the

evidence in the light most favorable to the verdict, indulging every reasonable

inference in support. !d. (citing City of Keller v. Wilson, 168 S.W.3d 802, 822

(Tex.2005)). In short, Rust asserts that she offered evidence through an offer of

proof that challenged the validity of the foreclosure sale through which Bank of

America obtained title. See, Appellant's Brief at S-6. However, the law is prohibits

Appellant from attacking Bank of America's title in this way. Rather, the only



                                         11
Issue m a forcible detainer case is the party's superior right to immediate

possession of the property. Continuing, Appellant did file a separate district court

lawsuit challenging the foreclosure, and judgment was granted against her therein.

      II.    Nature of a Forcible Detainer Action

      The forcible detainer action was created to provide a speedy, simple and

inexpensive means for resolving the question of the right to immediate possession

of real property without resorting to an action upon the title. Scott v. Hewitt,

S.W.2d 816, 818-19 (Tex. 1936); Rice v. Pinney, 51 S.W.3d 705, 708 (Tex. App.-

Dallas 2001, no pet.). To preserve the simplicity and speedy nature of the remedy,

Texas Rule of Civil Procedure 51 0.3( e) provides the following regarding a forcible

detainer action:

             Only Issue. The court must adjudicate the right to actual
             possession and not title. Counterclaims and the joinder
             of suits against third parties are not permitted in eviction
             cases. A claim that is not asserted because of this rule
             can be brought in a separate suit in a court of proper
             jurisdiction.
             TEX. R. CIV. P. 510.3(e).


      Thus, "the sole issue in a forcible detainer action is who has the right to

immediate possession of the premises." Rice, 51 S.W.2d at 708; see also Fandy v.

Lee, 880 S.W.2d 164, 168 (Tex. App.-El Paso 1994, no writ); Black v. Washington

Mut. Bank, 318 S.W.3d 414 (Tex. App.-Houston [1st Dist.] 2010, pet. dism'd

w.o.j.). No other issues, controversies or rights of the parties related to the



                                        12
property, including title\ can be adjudicated in such a suit. Hong Kong Dev., Inc.

v. Nguyen, 229 S.W.3d 415, 434 (Tex. App.-Houston [1st Dist.] 2007, no pet.). In

simpler terms, a forcible detainer suit asks one simple and specific question: "who

has right to possess the property now?" Black, 318 S.W.3d at 417.

       III.    ISSUE NO. 1

       Did the Trial Court appropriately enter judgment for Appellee on its
       forcible detainer suit based upon the documents admitted into evidence
       establishing Appellee's superior right to immediate possession of the
       Property, such evidence being: (a) a deed of trust with tenancy at
       sufferance clause, (b) a substitute trustee's deed, and (c) a notice to
       vacate?




1
  The appellate jurisdiction of a statutory county court in a forcible detainer action is confined to
the jurisdictional limits of the justice court. Crumpton v. Stevens, 936 S.W.2d 473, 476 (Tex.
App.-Fort Worth 1996, no writ). Since a justice court is expressly denied jurisdiction to
determine or adjudicate title to land, accordingly and notwithstanding a county court's grant of
general jurisdiction, a statutory county court has no jurisdiction to adjudicate title to real estate in
a de novo trial following an appeal of a forcible detainer suit from justice court. See Rice, 51
S.W.3d at 708.

         A forcible detainer action is not exclusive, but cumulative, of any other remedy that a
party may have in the courts of this state, and the displaced party is entitled to bring a separate
suit in the district court to determine the question of title. Scott, 90 S.W.2d at 818-19; Rice, 51
S.W.2d at 708; Home Sav. Ass 'n v. Ramirez, 600 S.W.2d 911, 913 (Tex. Civ. App.-Corpus
Christi 1980, writ refd n.r.e); Martinez v. Beasley, 572 S.W.2d 83, 85 (Tex. Civ. App.-Corpus
Christi 1979, no writ). The Texas Legislature purposely established a system for parallel,
concurrent actions in the district and justice courts to resolve issues of title and immediate
possession, respectively. Scott, 90 S.W.2d at 818-19; Rice, 51 S.W.2d at 708. Thus, forcible
detainer actions in justice court may be brought and prosecuted concurrently with suits to try title
in district court. Rice, 51 S.W.2d at 708; Haith v. Drake, 596 S.W.2d 194, 196 (Tex. App.-
Houston [1st Dist.] 1980, writ refd n.r.e.); Hartzog v. Seeger Coal Co., 163 S.W. 1055, 160
(Tex. Civ. App.-Dallas 1914, no writ); Rodriguez v. Citimortgage, 2011 WL 182122 (Tex.
App.-Austin 2011, no pet.)(memo. op.).



                                                13
       A. Appellant's Improper Attack on Title

       To prevail in its forcible detainer action, Bank of America was not required

to prove title at trial (or the validity of the foreclosure sale through which it took

title to the Property) but was only required to show sufficient evidence of

ownership to demonstrate a superior right to immediate possession. See Rice, at

709; see also Bittinger v. Wells Fargo, N.A. 2011 WL 4793828 at *2 (Tex. App.-

Houston, 2011, no pet. )(mem. op. ).

       Despite the narrow scope of forcible detainer proceeding, Rust seeks to

improperly attack Bank of America's title as she:

       a.     Alleges that the foreclosure sale was invalid through her proffered
              documentary evidence depicting that she and her mortgagee had an
              ongoing debt collection dispute over the mortgage debt even after the
              foreclosure sale2; and

       b.     Challenges the wording of the affidavie attached to the Substitute
              Trustee's Deed, the affidavit containing various recitals that the

2
 Even if Appellant's letters with Bank of America regarding her debt dispute were admitted into
evidence those letters alone would be insufficient to cause the reversal of the Trial Court's
Judgment given the standard of review set out in Section I above. More than a scintilla of
evidence supports the Trial Court's judgment.
3
  The affidavit admitted into evidence was attached to the substitute trustee's deed and was part
of the actual Substitute Trustee's Deed recorded within the Travis County Real Property
Records. A certified copy of the record was introduced at trial. [RR Vol. 3, Ex. 1], [CR 346-
348]. Appellant's attack on the affidavit is nothing more than an impermissible collateral attack
on the foreclosure sale, and even if the challenged portions of the affidavit were struck, the
information contained therein was duplicative of the information contained within the remainder
of the Substitute Trustee's Deed, Deed of Trust and Notices to Vacate. Therefore, any error
created through the admission of the affidavit would have been harmless error as the testimony
was duplicative of other evidence within the record. Further, Appellant has already and lost her
district court lawsuit regarding the validity of the foreclosure sale. The Fifth Circuit, in
evaluating Rust's attack on the foreclosure sale concluded, "Rust's arguments as to why Bank

                                             14
             foreclosure sale occurred in compliance with Texas statute and the
             Deed of Trust.

Numerous Texas courts, including this Court, and have consistently held that a

party does not need to prove up the validity of the underlying foreclosure sale

within the context of a forcible detainer proceeding. See e.g., Reardean v. Federal

Home Loan Mortg. Corp., 2013 WL 4487523 (Tex. App.--Austin 2013, no pet.)

(mem. op.); Shutter v. Wells Fargo Bank, 318 S.W.3d 467, 470 (Tex. App.-

Dallas 2010, pet. dism'd w.o.j.) (validity of foreclosure and sale cannot be

challenged in forcible detainer proceeding); Williams v. Bank ofNew York Mellon,

315 S.W.3d 925, 926-27 (Tex. App.-Dallas 2010, no pet.) (same); Rodriguez v.

Citimortgage, 2011 WL 182122, *3 (Tex. App.-Austin 2011, no pet.) (memo.

op.)(same); Fleming v. Fannie Mae, 2010 WL 4812983, *5 (Tex. App.-Waco

2010, no pet.) (memo. op.) (same); Middleton v. Crestar Mortgage Corp., 2000

WL 298694, *4 (Tex. App.-Austin 2000, no pet.) (mem. op.) (same); Hornsby v.

Secretary of Veterans Affairs, 2012 WL 3525420, *3 (Tex. App.--Dallas 2012, no

pet.) (mem. op.) ("Although [appellant] challenges the chain of title to the

property, 'the merits of the title shall not be adjudicated' in a forcible detainer

action.") (quoting Tex. R. Civ. P. 746)); Stephens v. Federal Home Loan Mortg.

Corp., 2011 WL 1532384, *2 (Tex. App.--Fort Worth 2011, no pet.) (mem. op.)


of America's foreclosure sale was invalid lack merit ... " See, Rust v. Bank of America, NA.,
573 Fed. Appx. 343 (5 1h Cir. 2015) (emp. added).


                                           15
(holding Federal Home not required to "connect the dots" between original lender

and mortgage servicer regarding title; substitute trustee's deed evidenced Federal

Home purchased property following plaintiffs default); Deubler v. Bank of New

York Mellon, 2011 WL 1331540, *2 (Tex. App.--Fort Worth 2011, no pet.) (mem.

op.); Kaldis v. Aurora Loan Servs., 2010 WL 2545614, *3 (Tex. App.--Houston

[1st Dist.] 2010, pet. dism'd w.o.j.) (mem. op.) (holding whether substitute trustee's

deed was "void" or "deficient" or there was a "gap in the chain of title/ownership"

was outside of the scope of the forcible detainer action).

      B. Bank of America Met Its Burden of Proof at Trial

      A forcible detainer action is "a summary, speedy, and inexpensive"

procedure for determining the right to immediate possession of real property where

no claim of unlawful entry exists. Williams v. Bank of NY Mellon, 315 S.W.3d

925, 926-27 (Tex. App.-Dallas 2010, no pet.). Exactly as is the circumstance

herein, "Forcible detainer occurs when a person, who is a tenant at sufferance,

refuses to surrender possession of real property after his right to possession has

ceased."    TEX. PROP. CoDE §24.002(a)(2); Aspenwood Apartment Corp. v.

Coinmach, Inc., 349 S.W.3d 621, 632 (Tex. App.-Houston [1st Dist.] 2011, pet.

denied). To prevail in its forcible detainer action, Appellee was not required to

prove title at trial, but was only required to show sufficient evidence of ownership

to demonstrate a superior right to immediate possession. Rice at 709.



                                         16
      The Dallas Court of Appeals in Hornsby v. Secretary of Veterans Affairs

succinctly set out what is required of a litigant to meet its burden of proof in a

forcible detainer action. 2012 WL 3525420 (Tex. App.-Dallas 2012, no pet.)

(mem. op.). In Hornsby, the Court set out that, "To prevail on its claim [movant]

was required to present more than a scintilla of evidence showing it had a right to

possession of the property, [non-movant's] right of possession had ended, and

[non-movant] refused to vacate." Id. at *5. The Court provided that a movant can

meet its burden of proof by introducing the very same class of documents that were

used to establish Appellee's claim herein. The documents sufficient to establish

the elements of a cause of action for forcible detainer are: ( 1) a deed of trust that

establishes a tenancy at sufferance relationship post-foreclosure [CR 336-344]

[Appendix Ex. C], (2) a substitute trustee's deed [CR 346-348] [Appendix Ex. B],

and (3) notices to vacate sent to the tenant at sufferance [CR 349-355] [Appendix

Ex. D].   See Hornsby at *5; Clarkson v. Deutsche Bank Nat'/ Trust Co., 331

S.W.3d 837, 840 (Tex. App.-Amarillo 2011, no pet); Shutter v. Wells Fargo

Bank, N.A., 318 S.W.3d 467,471 (Tex. App.-Dallas 2010, pet. dism'd w.o.j).

      The appellate record in this case squarely reflects that Appellee met its

burden of proof in establishing its right to immediate possession of the Property in

this forcible detainer action.




                                        17
      Appellant failed to introduce any evidence of a superior right to possession

of the Property, and the Trial Court did not err in finding that the Deed of Trust

(with tenancy at sufferance clause), Substitute Trustee's Deed, and written notices

to vacate sufficiently established Appellant's superior right to possession of the

Property. See Mitchell v. Citifinancial Mortg. Co., 192 S.W.3d 882, 883 (Tex.

App.-Dallas 2006, no pet.); Powelson v. U.S. Bank Nat'l Ass'n, 125 S.W.3d 810,

812 (Tex. App.-Dallas 2004, no pet.); Rodriguez v. Citimortgage, 2011 WL

182122 (Tex. App.-Austin 2011, no pet.) (mem. op.) (holding substitute trustee's

deed, deed of trust and notices to vacate sufficient evidence to establish superior

right of possession post-foreclosure) (mem. op.); Jaimes v. Federal Nat. Mortg.

Ass'n, 2013 WL 7809751 (Tex. App.--Austin 2013, no pet.) (mem. op.); Bierwirth

v. Fed. Nat. Mortg. Ass 'n., 2014 WL 902541 (Tex. App.-Austin 2014, no pet.)

(mem. op.). For these reasons, the Trial Court's judgment awarding possession of

the Property to Appellee should be affirmed.

   IV.      ISSUE NO.2

            Did the trial court err in awarding Appellee Attorney's Fees
            pursuant to Texas Property Code 24.006(b)?

      Rust asserts that Appellee is not entitled to an award of attorney's fees

despite Appellee's successful prosecution of its case at trial. Attorney's fees are

typically not recoverable unless the recovery is authorized by statute or a contract

between the parties. Intercontinental Grp. Partnership v. KB Home Lone Star L.P.,

                                       18
295 S.W.3d 650, 653 (Tex. 2009). However, statute specifically provides for the

recovery of attorney's fees in eviction matters.

      Bank of America provided Rust with a Notice of Vacate, and the Notice set

out that Rust was to vacate the Property within three days.           [CR 349-355]

[Appendix, Ex. D]. Appellant cites this court to Section 24.006(a) of the Texas

Property Code which provides,

      (a)     Except as provided by Subsection(b) ... The demand must state that
      if the tenant does not vacate the premises before the 11th day after the date of
      receipt of the notice and if the landlord files suit, the landlord may recover
      attorneys fees ....

Tex. Prop. Code §24.006(a)(emp. added). Appellant argues that since Bank of

America's Notice to Vacate only provided for a three day period to vacate [C.R.

349-355], the Notice was defective under Section 24.006(a).

      Of course the very first clause of Section 24.006(a) provides that the ten day

period only applies to situations not covered by Subsection (b).          In reading

Subsection (b) it provides,

      (b) If the landlord provides the tenant notice under Subsection (a) or if a
      written lease entitles the landlord to recover attorney's fees, a prevailing
      landlord is entitled to recover reasonable attorney's fees from the tenant.

Tex. Prop. Code §24.006(b).        The Deed of Trust, paragraph 18, specifically

provides for the collection of attorney's fees in the event litigation is required to

remove a tenant at sufferance after foreclosure. [CR 336-344]. As such, Bank of




                                         19
America is entitled to its award of attorney's fees provided for within the

Judgment.

                                       PRAYER

      For these reasons, Appellee Bank of America, N.A. respectfully requests

that this Honorable Court affirm the judgment of the Trial Court. Appellee also

requests any other relief, at law or in equity, to which it may be entitled.


                                        Respectfully submitted,

                                        Hopkins Law, PLLC.
                                        12117 Bee Caves Rd. Suite 260
                                        Austin, Texas 78738
                                        (512) 600-4320- Telephone
                                        (512) 600-4326- Facsimile
                                        mark@hopkinswilliams.com

                                 By:     Is/ Mark D. Hopkins
                                        Mark D. Hopkins
                                        Texas State Bar No. 00793975
                                        Shelley L. Hopkins
                                        Texas State Bar No. 24036497


                                        ATTORNEYS FOR APPELLEE
                                         BANK OF AMERICA, N.A.




                                         20
                        CERTIFICATE OF SERVICE

      I hereby certify that Appellee's Brief for No. 01-15-00373-CV has been
forwarded to the following via certified mail, return receipt requested and via e-
service on this lOth day of August 2015:

Via E-service
and CMRRR #7012 1640 0001 7114 7484
David Rogers
Law Office of David Rogers
1201 Spyglass Suite 100
Austin, Texas 78746


                                             Is/ Mark D. Hopkins
                                            Mark D. Hopkins




                                      21
                    CERTIFICATE OF COMPLIANCE

       Pursuant to Texas Rule of Appellate Procedure 9.4(i)(3), the undersigned
certifies this brief complies with the type-volume limitations of Texas Rule of
Appellate Procedure 9.4.

1.    Exclusive of the exemption portions in Texas Rule of Appellate Procedure
      9.4(i)(1), the brief contains: 4, 105 words

2.    THE BRIEF HAS BEEN PREPARED in proportionally spaced typeface
      using Microsoft Word 2011 in Times New Roman font, with 14 pitch font
      for text and 12 pitch font for footnotes.

3.    IF THE COURT SO REQUESTS, THE UNDERSIGNED WILL PROVIDE
      AN ELECTRONIC VERSION OF THE BRIEF AND/OR A COPY OF
      THE WORD OR LINE PRINTOUT.

4.    THE UNDERSIGNED UNDERSTANDS A MATERIAL MISREPRESEN-
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      TION OF THE TYPE-VOLUME LIMITS IN TEXAS RULE OF
      APPELLATE PROCEDURE 9.4, MAY RESULT IN THE COURT'S
      STRIKING THE BRIEF AND IMPOSING SANCTIONS AGAINST THE
      PERSON SIGNING THE BRIEF.


                                                 Is/ Mark D. Hopkins
                                                Mark D. Hopkins




                                     22
                        APPENDIX

Exhibit "A":   Rust v. Bank of America, NA.,
                573 Fed. Appx. 343 (5th Cir. 2014)

Exhibit "B":   Substitute Trustee's Deed

Exhibit "C"    Deed ofTrust

Exhibit "D"    Notices to Vacate

Exhibit "E"    Judgment Awarding Possession




                            23
           Exhibit "A"
  Rust v. Bank of America, N.A.
573 Fed. Appx. 343 (5th Cir. 2014)
Rust v. Bank of America, N.A., 573 Fed.Appx. 343 (2014)




                   573 Fed.Appx. 343                                West Headnotes (5)
             This case was not selected for
          publication in the Federal Reporter.
Not for Publication in West's Federal Reporter.                     [1]   Mortgages
       See Fed. Rule of Appellate Procedure 32.1                          <®= Wrongful Foreclosure
        generally governing citation of judicial                          Affidavit of assistant vice president of mortgage
     decisions issued on or after Jan. 1, 2007. See                       servicer was based on personal knowledge,
      also Fifth Circuit Rules 28.7, 47.5.3, 47.5-4.                      and thus admissible in mortgagor's wrongful
     (Find CTAs Rule 28 and Find CTAs Rule 47)                            foreclosure action against mortgage servicer
            United States Court of Appeals,                               under Texas law; affidavit stated that it was
                      Fifth Circuit.                                      "based upon personal knowledge of [her] review
                                                                          of [mortgage servicer]'s business records."
            Mary G. RUST, Plaintiff-Appellant,
                              v.                                           l Cases that cite this headnote
   BANK OF AMERICA, N.A., Defendant-Appellee.
                                                                    [2]   Mortgages
               No. 13-50961    Summary                                     <®= Wrongful Foreclosure
              Calendar. I June 17, 2014.
                                                                          Copy of assignment of deed of trust to mortgage
Synopsis                                                                  servicer was properly authenticated, and thus
Background: Mortgagor brought wrongful foreclosure                        admissible in mortgagor's wrongful foreclosure
action against mortgage servicer. The United States District              action against mortgage servicer under Texas
Court for the Western District of Texas granted mortgage                  law; even if copy was not certified, affidavit
servicer's motion for summary judgment. Mortgagor                         of assistant vice president of mortgage servicer
appealed.                                                                 swore that it was true and correct copy of
                                                                          assignment.

                                                                           l Cases that cite this headnote
Holdings: The Court of Appeals held that:

                                                                    (3]    Mortgages
[I] affidavit of assistant vice president of mortgage servicer
                                                                            <®= Scope and mode of review
was based on personal knowledge;
                                                                           Any error in district court's consideration of two
[2] copy of assignment of deed of trust to mortgage servicer               copies of promissory note was not reversible
was properly authenticated;                                                error in mortgagor's wrongful foreclosure action
                                                                           against mortgage servicer under Texas law; only
131 any error in district court's consideration of two copies of           difference in content of two copies was that one
promissory note was not reversible error;                                  included endorsements and other did not, and
                                                                           central issue in action, i.e., whether mortgage
141 any error in district court's failure to strike affidavit was          servicer had authority to foreclose under deed
not reversible error; and                                                  of trust, did not depend on whether note was
                                                                           endorsed.
[51 mortgage servicer had authority to foreclose on
                                                                           2 Cases that cite this headnote
mortgagor's property.

                                                                    [41    Mortgages
Affirmed.                                                                   <®= Scope and mode of review
                                                                           Any error in district court's failure to strike
                                                                           affidavit was not reversible error in mortgagor's


WestlawNexr@ 2015 Thomson Reuters. No claim to original U.S. Government Works.
Rust v. Bank of America, N.A., 573 Fed.Appx. 343 (2014)


        wrongful foreclosure action against mortgage           Rust obtained a loan from Austin National Mortgage Limited
        servicer under Texas law, where neither                (ANML) to acquire property in Austin, Texas. Rust signed
        mortgage servicer nor court relied on affidavit        a promissory note and also signed a deed of trust naming
        for any purpose.                                       ANML as the lender, Ron Harpole as the trustee, and
                                                               Mortgage Electronic Registration Systems, Inc. (MERS) as
        Cases that cite this headnote                          the beneficiary and nominee of ANML. The deed of trust
                                                               gave MERS the power to foreclose and sell the property.
 [5]    Mortgages                                              MERS later assigned "all beneficial interest under [the] Deed
          <®= Right to foreclose                               of Trust ... together with the note(s) and obligations therein
        Mortgages                                              described" to Bank of America. Bank of America additionally
                                                               acted as the mortgage servicer.
          <®= Under mortgage
        Under Texas law, mortgage servicer had
                                                               Beginning in early 2011, Rust failed to make her mortgage
        authority to foreclose on mortgagor's property,
                                                               payments, and Bank of America notified Rust she was in
        although mortgage servicer did not possess
                                                               default. In July 2012, Bank of America's agent ReconTrust
        original promissory note, where beneficiary and
                                                               Company, N.A. informed Rust that the property would be
        nominee of lender, which was given power in
                                                               sold at a foreclosure sale if the default was not cured. Rust
        deed of trust to foreclose and sell property,
                                                               did not cure her default and the property was foreclosed in
        assigned its interest in deed of trust to mortgage
                                                               September 2012.
        servicer.

        2 Cases that cite this headnote                        Several months later, Rust sued Bank of America in Texas
                                                               state court, asserting various state law claims arising out of
                                                               the foreclosure of the property. Bank of America removed
                                                               the case to federal court on the basis of diversity jurisdiction
                                                               and moved for summary judgment, which the district court
Attorneys and Law f'inns
                                                               granted. Rust appealed.
*344 William Bcmell Gammon, Austin, TX, for Plaintiff-
Appellant.
                                                                                              II
Nathan Templeton Anderson, Attomey, Richard Dwayne
Danner, Litigation Counsel, McGlinchey Stafford, P.L.L.C.,     We first consider whether the district court erred in
Dallas, TX, Courtney Leigh Ebeier, McGlinchey Stafford,        considering certain summary judgment evidence. We review
P.L.L.C., Houston, TX, for Defendant-Appellee.
                                                               a district court's evidentiary rulings for abuse of discretion. 1
Appeal from the United States District Court for the W estem   Rust objects to several documents attached to Bank of
District of Texas, USDC No.1: 13-CV-78.                        America's motion for summary judgment. She argues: (1)
                                                               the affidavit of Kelly M. *345 Thompson, an Assistant
Before WIENER, OWEN, and HAYNES, Circuit Judges.               Vice President for Bank of America, was not based on
                                                               personal knowledge; (2) the copy of the assignment of
Opinion                                                        the deed of trust by MERS to Bank of America was not
                                                               certified and Thompson's affidavit was insufficient to certify
PER CURIAM:*                                                   its authenticity; (3) the two copies of the note attached to
                                                               Thompson's affidavit are materially different; and (4) the
After Bank of America, N.A. foreclosed on Mary G. Rust's
                                                               affidavit of Carolyn Holleman does not rely on personal
home, she sued under various state laws. The district court
                                                               knowledge and contains legal conclusions. All of these
granted summary judgment for Bank of America. We affirm.
                                                               contentions lack merit.

                                                                [1]    [2]  [3]   [4] First, we agree with the district court
                               I                               that there was no reason to exclude Thompson's business
                                                               records affidavit. The affidavit stated it was "based upon



WestlawNexr C9 2015 Thomson Reuters. No claim to original U.S. Government Works.                                             2
Rust v. Bank of America, N.A., 573 Fed.Appx. 343 (2014)


personal knowledge of [her] review of Bank of America's           on the property after Martins defaulted, and Martins brought
business records"; her position at Bank of America made her       suit claiming wrongful foreclosure. 12 Affirming summary
competent to testify regarding the Bank's relationship with       judgment in favor of BAC, the Fifth Circuit held that
Rust; and Rust produced no reason to doubt the veracity of        "MERS and BAC did not need to possess the note to
Thompson's testimony. 2 Additionally, even if the copy of the     foreclose," rejecting the view "that the note and deed of trust
assignment of the deed of trust was not certified, Thompson's     must both be held by the foreclosing entity." 13 The court
affidavit swore that it was a true and correct copy of the        relied on the Texas Property Code, which provides that a
assignment, so the district court did not abuse its discretion    mortgage servicer may administer a foreclosure on behalf of
in considering it. 3 Rust's contention that there were two        a mortgagee if there is an agreement granting the mortgage
different copies of the note also fails. The only difference in   servicer authority to service the mortgage. 14 The Code
the content of the two notes is that one includes endorsements    defines a mortgagee to include "the grantee, beneficiary,
and the other does not. The analysis of the central question in   owner, or holder of a security instrument" and "a book entry
this appeal- Bank of America's authority to foreclose under       system" like MERS, and it defines a mortgage servicer as the
the deed of trust-does not depend on whether the note was         "last person to whom a mortgagor has been instructed" to send
endorsed. 4 So any error in considering both notes is not         mortgage payments. 15 The Code also allows a mortgagee to
                5
reversible error. Finally, as neither Bank of America nor the     be its own mortgage servicer. 16 The court determined that,
district court relied on Holleman's affidavit for any purpose,    under the Code, BAC could foreclose, presumably as MERS's
declining to strike it was also not reversible error. 6 Rust's    mortgage servicer or as the mortgagee after the mortgage was
evidentiary objections are therefore meritless.                   assigned to it by MERS. Neither MERS nor BAC would have
                                                                                                                             17
                                                                  to hold or own the note for the foreclosure to be valid.


                              III                                 Under a straightforward application of Martins here, Bank of
                                                                  America had authority to foreclose on Rust's property without
We next consider whether the district court erred in granting     holding or owning the original note between ANML and Rust,
summary judgment. "We review de novo a district court's           since Bank of America was in the same position as BAC. Rust
award of summary judgment, applying the same standard as          nonetheless asserts several arguments as to why Martins does
the district court." 7 Summary judgment is only appropriate       not govern here. Rust first contends that Bank of America
"if the movant shows that there is no genuine dispute as to       was a mortgagee, not a mortgage servicer. However, the two
any material fact and the movant is entitled to judgment as a     roles are not mutually exclusive under the Property Code,
                                                                  and here, Bank of America served as both the mortgagee
matter of law." 8
                                                                  (after the deed of trust was assigned to it as a beneficiary)
                                                                                                    18
 [5]   As the district court explained and Rust acknowledges,     and its own mortgage servicer.      Indeed, Bank of America
her state law claims tum on whether Bank of America had the       presented evidence that it was the mortgage servicer, and Rust
authority to foreclose on her property. If Bank of America's      does not cite any contrary evidence. Rust cannot distinguish
foreclosure was authorized, then her Texas Debt Collection        Martins on this basis.
Act claim, her Texas Deceptive Trade Practices Act claim,
her fraudulent presentment claim, and her quiet title action       *347 Rust also cites portions of the concurring opinion
                                                                                                                           19
fail. 9 *346 Rust's briefing focuses almost entirely on this      in Reinagel v. Deutsche Bank National Trust Co.              The
question, so that is the issue we examine first.                  language in that one-judge opinion, concurring in the
                                                                  majority's judgment but disagreeing with some of its
This court recently considered a very similar case in which       reasoning, is not binding. Also, to the extent the opinion states
the plaintiff alleged his property had been wrongfully            that a party in Bank of America's position must always hold

foreclosed. In Martins v. BAC Home Loans Servicing, L.P .,
                                                             10   the note to foreclose, 20 it would be inconsistent with the
Martins refinanced a mortgage on his home through a lender        earlier holding in Martins.
and executed a security instrument naming MERS as the
                                                                  Rust relies on a number of other cases that did not address
beneficiary and nominee for the lender. 11 MERS then
assigned the security instrument to BAC, BAC foreclosed           the question here. 21 Rust cites this court's unpublished



WestlawNexr@ 2015 Thomson Reuters. No claim to original U.S. Government Works.                                                    3
Rust v. Bank of America, N.A., 573 Fed.Appx. 343 (2014)



                                                                    though the deed of trust gave that power to the lender.
decision in Reeves v. Wells Fargo Home Mortgage 22 for the
                                                                    While the lender did hold that power, the Texas Property
proposition that a "party seeking to foreclose must have the
                                                                    Code provides that, "Ln]otwithstanding any agreement to
right to enforce the debt it seeks to satisfy." 23 There, the       the contrary, a mortgagee may appoint or may authorize a
court held that the plaintiff failed to show a genuine issue of                     .
                                                                    mortgage serv1cer          . a sub stltute
                                                                                        to appomt        .     trustee. " 29 Th us as
material fact as to whether Wells Fargo owned the note before
                                                                    mortgagee, Bank of America was within its power to appoint
it began foreclosure proceedings, and that the ownership of
                                                                    a substitute trustee.
the note was sufficient to foreclose. 24 But it did not consider
the situation presented here, in which the foreclosing party        Rust's arguments as to why Bank of America's foreclosure
argues that holding the note is not necessary to foreclose.         was invalid lack merit, and she raises no other grounds for
                                                                    reversing the district court's judgment, other than challenging
Rust further argues that, under Colton v. U.S. National Bank        the district court's alternative ground for granting summary
                25
Association,    the deed of trust here grants only the original     judgment on her Texas Deceptive Trade Practices Act claim.
lender the power to foreclose her property. In Colton, as here,     Accordingly, we affirm the district court's grant of summary
MERS assigned its interest as nominee in a deed of trust to a       judgment.
bank, and the property owner, Colton, claimed that the bank
did not have authority to enforce the deed of trust because it
was not the holder of the original note. 26 The court explained                                    IV
that "although Texas law does not require a party to be a
holder of a note in order to foreclose," Colton alleged that the    Rust, by separate motion, asks this court to take judicial notice
specific language in the deed of trust did require the bank to be   of new evidence in assessing her claims. As none of the
                                                                    evidence affects the merits of Rust's state law claims, we deny
the holder of the note to do so. 27 Because it was considering
                                                                    the motion.
a Rule 12(b)(6) motion to dismiss and neither party provided
the deed of trust, the court accepted as true the allegations
regarding the deed of trust's terms and thus declined to dismiss    ***
           28
the claim.      Here, by contrast, the deed of trust was in the
                                                                    The judgment of the district court is AFFIRMED, and Rust's
summary judgment record and Rust points to no provision in
                                                                    motion for judicial notice is DENIED.
it that requires Bank of America to be the holder of the note to
enforce the deed of trust. Rust cannot rely on Colton to defeat
summary judgment here.                                              All Citations

 *348 Finally, Rust contends that the foreclosure was invalid       573 Fed.Appx. 343
because Bank of America appointed a substitute trustee even


Footnotes
*       Pursuant to 5TH CIR. R. 47.5, the court has determined that this opinion should not be published and is not precedent
        except under the limited circumstances set forth in 5TH CIR. R. 47.5.4.
1       United States v. Meza. 701 F.3d 411, 425 (5th Cir.2012).
2       See FDIC v. Selaiden Builders, Inc., 973 F.2d 1249, 1254 n. 12 (5th Cir.1992); Resolution Trust Corp. v. Camp, 965
        F.2d 25, 29 (5th Cir.1992).
3       See FED.R.EVID. 901(b)(1).
4       See infra notes 11-17 and accompanying text.
5       See Meza, 701 F.3d at 425 ("[F]or any of the evidentiary rulings to be reversible error, the admission of the evidence
        in question must have substantially prejudiced [the defendant's) rights.") (alterations in original, internal quotation marks
        and citation omitted).
6       See id.
7       Trinity Universal Ins. Co. v. Emp'rs Mut. Cas. Co., 592 F.3d 687, 690 (5th Cir.2010).
8       FED.R.CIV.P. 56(a).



WestlawNe.xr@ 2015 Thomson Reuters. No claim to original U.S. Government Works.                                                   4
Rust v. Bank of America, N.A., 573 Fed.Appx. 343 (2014)


9     See TEX. FIN.CODE ANN. § 392.301(b)(3) (West 2013) (allowing debt collectors to exercise non-judicial contractual
      rights of sale); TEX. BUS. & COM.CODE ANN. § 17.50(a)(1) (West 2013) (providing a cause of action for false,
      misleading, or deceptive acts); TEX. CIV. PRAC. & REM.CODE ANN.§ 12.002(a) (West 2013) (making a person liable
      for using a document with knowledge the document is a fraudulent lien or claim against real property, with intent for
      the document to be given the same legal effect as a court record, and intent to cause injury); Wright v. Matthews, 26
      S.W.3d 575, 578 (Tex.App.-Beaumont 2000, pet. denied) ("The plaintiff in a suit to quiet title must allege right, title, or
      ownership ... with sufficient certainty to enable the court to see he ... has a right of ownership that will warrant judicial
      interference.").
10    722 F.3d 249 (5th Cir.2013).
11     Martins, 722 F.3d at 252.
12     /d.
13     /d. at 252, 254-55.
14     /d. at 255 (citing TEX. PROP.CODE ANN. § 51.0025 (West 2013)).
15     /d. (quoting TEX. PROP.CODE ANN. § 51.0001(3)-(4) (West 2013)).
16    /d. (citing TEX. PROP.CODE ANN. § 51.0001 (3) (West 2013)).
17    /d.
18    TEX. PROP.CODE ANN. § 51.0001(3)-(4) (West 2013) (defining mortgagee to include beneficiaries of security
      instruments and allowing a mortgagee to be its own mortgage servicer).
19    735 F.3d 220 (2013).
20     See Reinagel, 735 F.3d at 229 (Graves, J., concurring).
21    E.g., Nueces Cnty., Tex. v. MERSCORP Holdings, Inc., No. 2:12-CV-131, 2013 WL 3353948, at *4-5 (S.D.Tex. July 3,
      2013) (considering whether the Texas Property Code "permits MERS to designate itself as a grantee/grantor of record ...
      in the real property records"); Henning v. OneWest Bank FSB, 405 S.W.3d 950, 958-59 (Tex.App.-Dallas 2013, no pet.)
      (considering wrongful foreclosure claim when bank was current holder of the note and the deed of trust, and property
      owner claimed there was a defect in the note's chain of title); Robeson v. Mortg. Elec. Registration Sys., Inc., No. 02-10-
      227-CV, 2012 WL 42965, at *5-6 (Tex.App.-Ft. Worth Jan. 5, 2012, pet denied) (considering whether there was a fact
      issue as to when the mortgagee had the authority to foreclose, given that the mortgagee was first assigned the lender's
      interest in both the note and the deed of trust, but later assigned MERS's interest as beneficiary in the deed of trust).
22    544 Fed.Appx. 564 (5th Cir.2013).
23     Reeves, 544 Fed.Appx. at 569 (internal citations and quotation marks omitted).
24     /d. at 569-70.
25     No. 3:12-CV-3584, 2013 WL 5903618 (N.D.Tex. Nov. 4, 2013).
26     Colton, 2013 WL 5903618. at *1, *3-4.
27     /d. at *4.
28     /d.
29     TEX. PROP. CODE ANN.§ 51.0075(c) (West 2013).


 End of Document                                              @   2015 Thomson Reuters. No claim to original U.S. Government Works.




WestlawNext C9 2015 Thomson Reuters. No claim to original U.S. Government Works.                                                  5
       Exhibit "B"
Substitute Trustee's Deed
       ELECTRONICALLY RECORDED                                   2012161505
                                            TRV              3         PGS




            NOT1CEOI'CONJ11Dm'f.IIAJ ,l'IYRIGJnS: IF YOU AUBANATURAL PlRSON, YOU MAY :REMOVE OR
            SI'R.1Kil:ANYORAI..I...Oli'JREFOl,LOWING L"'Ui'OIDf.IADONFROJ\1.ANYINSTRUMENTTIIAT
            nt.".NS'IIERS ANll'•i"IERF.STIN J\EAL PROl'ELIT\' lll'..FOR.E IT IS FIL£,0 FO:R. RI'.CORD IN l1'f.& PUBLIC
            REOORilS: YOUR SOU.4LSECIJIUJYNUMIJUR OR \'OUR DltlVJ>I~S UCENS~ ~'~UMBER.
            12-0IJJ£714 l"JIA.
            12-GID43S9.01
            2G23ALCoTTI.A'm, AUSTIN, TX78741
                                              SUBSTITTITE TRUSTEE'S DEJ<:U                                                                   ..·
            Deed of'I •ust Date:                                         Sole ofProperty Dute:
            July 29,2004                                                 Sll[llember 4, 2012 ,
                                                                                           :::;7•--
            Grantor(s)/Mortgagor(s):                                     'J:imeofSrue:~1,         fv
            MARY Ci RUST, A SINGLE WOMAN
            Otigiuitl Mortgngee:                                         l'lace oJ Sale:
           MORTGAGEELECIRON.ICREOISJ'RATION                              'The rear "SaRyport" of lhC County Couclhouso
            SYSTEMS, INC.                                                located on 1he ,..,-est side- of1he COl111:house
                                                                         imrnaJjlll.ely south of and slightly  east
                                                                                                              of1he                          .,
                                                                                                                                             -~-
                                                                         inmrscction of llth sb=t and &In Antonio Street.
                                                                         ORAS DESlGNATED BY THE COUN1Y
                                                                         C0~1MISSIONERS.
            Cnrreut Mortgngee:                                           Gl"'aniee/Buyl!r.
            BANK OF AMERICA, N.A.                                        BAJ-;'X OF AMERICA, N.A.
            Morq,oage Servlccr.
            Bank ofAmerica, N.A.
           Recorded on: August 18, 2004                             . Gmutee/Buyer's ]\{.-.iling: Adtlrca.'l:
           AJJ Qcrk's F'llc No.: 2004158729                              400 NATJONAL WAY, SV-3S
            R&-ReconJI'1l                                                SIMI VALLEY, CA 93065                                               L

            l'rolJ"rty CoWlty:                                           .AnwtmtofSale:                                                      !.
            Travis                                                       $175,162.62
            Lcgnl Descrlplinu: LOT2, l:li.OCK "G", TANGLEWOOD FORBSl~ &'ECTJONElGHT, A
            SUBDMSION'L\' TRAv1S COUNIY, TEXAS, ACCORDING TO THE MAP OR PlAT
            THEREOF, RECORDED JNVOUJME 83, PAGE 213A, PLAT RECORDS Ofl"RAVIS COUNTY,
           ·IEXAS.
           Grantor conveyed lhe property to Tn!Stee in 1rust to seeure paym..--nt Qftbe Note. Mortgagee, through 61e
           M\'lrtgage Serviccr, declllr<:d that Grantor defuulte<J in perfonniog the obligations of the Deed oCTru..t.
           Com:m Mortgagee of lhc Note,. through the Mort~e Sen>ioor, accordingly bas IIPPoitrted Substi.rute
            Truslee and requested Substitute 'lrusmc to enforce lhe lnl3L
           Noti.oet statioglhetimc, place and ll>mlsofsalc: of the property wu-emailed. posted and file<!, os required
           by law. Substitute Trosree sold the property to Buyer, who was 1he highest. bidder at tl1e ptlblic auction,
           for amOilltof sale in !he manner prescribed by law. The i!lll~ect. sale was conducre.d uo Clll"!icr thnn l:OO
           PM. as sctfurlhin the Notice ofSubstitute Trustee Sale and was conclnded within lhree (3) hours ofsudt
           time. All rnatlllrs, duiiw and obligatiO!JS of .Mrntgagee were Iawflllly perfooncd 11.'1 evi~ by !he
           nffidn,it(s) atiached h::rdo and inWIJXlmted herein fur all()UtpOses.
            Subslitu~ Trustee, rul!ject to l1li.Y matteJS of record, and for IIIUDWlt of sale paid by buyer I1S COilllideraliou,
            gmnts, scns and con~cys to Buyer, Buyet's hoi!"\ executors, ru:lministmlot'S, su~SOOI or .assigns iim.wer,
            the property klgetber With all rigbtg and oppur1enances belooging to Grantnr. Substitute Trustee hereby
~:~\        sells the llbove m=~ p.ropc;rtv AS IS without any c;tpresscd or implied wmrantics, c.xcqrt as to
             ·"lttanties ofiitle, at~d h&eby eo~ys the property tr> lhe pun:hn.<;er at the purrha~ds own risk, Jll.lrSUIUlt


~tt~2
                  ·=     anexasPropertyCodc § .5L002 and§ 51.009.
                                                                                                                                        .~




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My CortllD.inion E:q>ires:                                                __.('J/jJ.:J.~~~ra~~'i~~~~~~--
                                                                          Notary rub lie for tbc State of'T~.xas,


                                                                          rllnted.Namc of Notal; I'ubllc
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BeecPtrast Company, N.A.
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Saitt305
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Ir'Yias. TX 750;,




                                                                PIIJ<lotl                                              SL 7'XSlD 072~12 (ll!01)




                                                          ··-   .~
2623 Alcott Lone
Austin, TX 78 748
ll-0058714 FHA
12..()1043.\9-01

                                                      Afl~JJ.)A V IT

STATo OF TEXAS
COUNTY OF TRAViS
                                                                                                     Carolyn Holleman
BEFORE tvm, the. undersigned lllllhority on this day pe1-sonally appeared
who afttrr b~ing duly sworn, deposed and stated;
    1. l om nn employee ufRECON"IR.UST CO!'.fPANY, :'>I.A., Substirute Trurt;:c, at !he lime ofthe evonts
       hereinafter set forth and make this affidavit for Ute purpo•e of docluriog lhe ineldellt• of Otta.tmmy and
         c0111rud.uuleomplio.noe of the entity or entities set mt below.
    2.   'ibis afiidl\vit i& mltdc with r"'pecttothe foreoloeure oftllat certain Dee<! <>fTn1sl duted July 29, 2004,
         rernrded oo At>gus! U,Z004, as C.1ertc's FilcHu.1004l58729, Real Pouperty:B.ecords,1'Ia~is County,
         Texas, execorted by MA:B.Y G. RUST, A Sll\GLE WOMAN to RON HARPOLE, orlgin.'ll Tn•<tee(s). in
         invor of.MORTGAGE ELECIRON1C lti!.GlSJRATIOII= SYSTEMS. lNl..
    3.   Bank of Ammca. KA., FKA Culll>le)'Wide Homo-Loaos Servicing, LP is the Ylortgagc Scrvicer tbr l:li\...'\IK
         OF AMERJCA, K.l\ .. the Mortgagee ofilie ind6bttdness secured by •~id Deed ofT rust. The Mortg.1go
         SerVitcr i•IU11hor~ to tepresem tbe Mortg-•:;oe by virtue of n curTcnt :;ervicing agreement wlth tbc
         Mongngec.
    4.   To the b..:t- of my bowled~ and belief, pt<Y(><'t notice of dt.foult was •~.rvro prk'.- lu "C(:elen~tinn of the
         indabtcdnesa. AU obligations IPld duli"" of the Mortguge Servicer were performe.:l in tll< manner Jtquited
         l>y law and aU DUlices were >f>l'\-ed Oil eaoti dobtornt tbc lont known udt.b'l.-... uf ooolo swh debtor.
    ~-   To1h< best of my knc.>Yledge a"d belie!; the mo~" bolding an itrtcrost in lht> tlbove dMcnbod propetty
         wora nat on oel.iw duty with any bmncll oflhe /~ormea Fore..,. uflloe tlnitell State• or"'"'" not protected by
         the Scrvicu).!embers Civil 'Relief ACt on thn dnteofthc Trustee's Solo ll!ld W«e alive on tbewol~ u£ •ucb
         •ale.
    6.   At tho instruction•:md on behalfnfthc Mo1.tgage Sctvie<:r, notice ofact>:lerntloll (lfindchtcdness and
         Trosu:c•s Ra1e wua s.cr;c:d on each. debtor obligalec:l on the debt. in rtrict compliance with the TcJ.HS
         l'ropaty <.:ode, by certifud mrul ot len<t twenty-on• (21) <iB:ys prlor tn 1he date thc:ruin specified fr..- <ale.ol
         lhe last known n~ss of each such debtor.
    7.    AI the illstnoctinns and on behalf of 1he Mortyt g~ Serviceo·, Nnti~ of Substitute TTllslec Sale """' filed with
          the Connty Clerk in !Ire county or connries in which the subject propc:rty i• >ilunted nnd "''t'ie< thert<>f
          posted of said eondl>.,u•e(•) ·~requited l>ytbo Jnw nnd m tbe mann"' sp•cifiecl by ordinance alld CU>-rom.

OATED:ScpteDlber4,2012                            ·        By;        ~id;,~ 1'~.z..
                                                                      AFFlA        -~11J~Holleman
STATE OF TEXAS
COUNTY OFT ARRAI-1
s""ro to and mohscn'bed. before me,    ~nelia O~.nise Edwal'ds ilie ondersi(llled 1\'otmy Public, on this day
porronally appeared         carolyn HOlleman      .lrnnwn to me to be the JX.TI<Un whose nome is snbsen'bed tn tht
torcgoing ub·tromeutaud oolmmvledb-e<l tn me tbat heishe eJreCUted the ~-.mo for the purposes and COJISidcration !heroin.
w•.-pre.~~cd.                                         -
Oh•m under my ho.nd and seal of ufJk.e dob UJdnl' of September, 201:1

~(l.:~L_
                                                              ~m
                                                                  ~\~:..- K~MF.iTA DDIISE ffiWAROS
                                                                 "'    ,1!7- <;:    Nctary Public
Notary Public, State ofToXU!l                                                       Stato ol Taxao
MrCommissionExpites:e;><.(-fq-u.{                                ~             Mv CQmm. ~ireo <l-19-20'i4
Prepm'tld by.
.LU;CONTRIIST COMPA}.'Y, N.A.
-t;oo Amnn CottcrBiv4., TXl-!179-02-lC
rt Worth. 'IX 76155

After ]kcutding ~ to:
ServiceUilk
?3{11 N.l'IHie l{"'l' 161
Suitc3~
living. TJI: 7S039




                                                                                                      FILED AND RECORDED
                                                                                                    OFFICIAL PUBLIC RECORDS



                                                                                                DANA DEBEAUVOJR. COUNTY CLERK
                                                                                                    TRAVIS COUNTY. TEXAS
                                                                                                    September 26 2012 09:13AM
                                                                                                              FEE:$ 24.00       2012161505
 Exhibit "C"
Deed of Trust
                                                                                                                  OT      2004158729
                                                                        lm~~~~l\m~l~l~t\lOOI\tmlltlmm\11\l~ltll   9 PGS
Whan Re            rdQd      Retu~n        to:
RBC Mortg              e Company                            .     Afler Re~.:urding, R·:lUn: ic:
13~00 No.r               est. Freewaw nfttt.Ofi~Pe              TOWNE & C0UN1:RY TlTLE.li:'-:C.

Houston, TX                '~:o           ...;,~t131111         2525 W. ANDERSON LANE. SUITE 420
                                                                        AUS11N. TX 78757


Prepared By:                                                                  RET. TOWNE &COUNTRY
RBC MOrtgage Company
13100 Northwest Freeway, Suite 200
Houston, TX 77040




~;-Nc;~ifiiiiiiJiia.---- [Space Abo,·e This Liae F11r Rccnrdl~~g l.latal -~:;:;::;:::;;;;:=:;:;:::=======::::::;

~;,~~~•u•                                               DEED OF TRUST                      1:HACd
                                                                       ~11N    100058900100726413
                       NOTICE OF CONFIDENTIALITY RIGHTS:
!f you are a natural person, you may remove or strike any of the following
mfonnation from this instrument before it is filed for record in the public records:
your social security number or your driver's license number.
    THIS DEED OF THUST ("Security Instrument") is made on July 29, 2004
The Grantor is    MA.RY G, RUST, A S.ingle Woman




("Borrower"). The trustee is Ron Ha~:pole


C'Trustee"). The beneficiary is Mortgage Electronic Registration Systems, Inc. ("MERS"), (solely ns nominee for
Lender, as hereinafte.r defined, and Lender's sul:cessors :md assigns). MERS is organized and existing under the laws
of Delaware, and has an address and telephone number of P.O. B<Jx 2026, Ff!nt, Ml 48501-2026, tel (8&8)
679-MERS.Aust.in Nati.onal Mortgage, Ltd., a Texas L.im.ited Partnersh.ip.

("'Lender") is organized and existing under the laws of 'l'exas                                                , and
has an address of 13100 Northwest Freeway, Suite 200, Houston, TX 77040
                                                                       , Borrower owes Lender Lhc principal sum of
One Hundred Sixty-seven Thousand Three Hundred Seventy-three And 00/100
                                                                      Dollars (U.S. $167 ,3?3. 00                  ).
This debt is evidenced by Borrower's note dated the same date as this Security Instrument (''Note''), which provides
 I!Ll.
      Fill\ Toxu Deed of Tru•t with 111F.RS - 4196
8-4N(TX)toaD7l.D1                  t\me~detl    98 ,
 Pogo~ of 9                                 lntllo!S'   j
              VMP MorlgiJ9& So\utlon'l (800)521-7191
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                                                 •           •           •       •           0       ••••                     0       ••••••••••
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                                : : : : : : : : ~f?~··rr!~.,~~¥ :~aY,~e~~; ~iiti ~h~/l!ll'debi,. if not paid 'eadi,cr, due and .payable i;.n l\u9us t .i; :2:o.s~: ... :                                                                                                                           : ... : ...... .
    ...   . · · : : : . · · : · · : :. : : : . : : · : · . : , Th.is· Seci.lri~~· i~s~iu~(;~~· secures. ~'o;.'Lend~r: :.c),) ,the r~payml)flt:ofl_~le debt evrdc:;n:~ D)' th~: · . . .
: : : : : : : : : : : ~ :~?t~\ ~1t11..u~t~p;t 1 . :ao~ :i:ttl ~·~i~.t:w~s~-:l!x~c,nsion~: :and: moc!Bk~(t'oJ~s. 9~ !he)-l~te;, :(h) 't~e paym;;n(:(!f: 3,11. ()~er :su1.ns; : : : : :
: : : : : : : : : : : : vvltti..~l\t~te!it, :.ad~Mced, tita'l,e( .r~r:aar~h 7'tb. pr~tccf:the sec:ur.ify. o(this :Sectu:ity Jnstrun'l~lt; :<n:u((c) the .Peiforril!I'Jl~e : : : . :
: : : : : : : : : : : : :~f: Bcir.r.~w~· ~::c?'v.~oanEs an~· ag~ee1nents, undet::'this: Secur.i'ty Il;ll!t~l..!t~1~nt:·~.d ~.e:No~e: :F,~:this: IH!rpose;:.:aorr0.~( : : :
    : . : : · : : : : : : ,~~r.cvoec:.h!~..g.~.aot:s:'<ll1d·:con:.!eys :to the Tr.usi:e¢•. intnish '~ilh:pc,wer.·o(~al~, :t-ln!··fo!l&\\1-ing 9-esc~J\?ed p,rop~rl'y located:
    : . : : : : : : : : : : .~~ :~~y:;s-: : : : : : : : : : : : : : : : : : : : : : : : . : : : : : : : : · : : : : : : . : : : : : : : : . . . . . . . . . . . . :O:illti~y, Texas! : : :
    : : : : : : : : : : : : :~"G?T. 2 ·; <~L'Qt;:l(, ~'9",: TANGLEWOOQ, :·:F.QR,E$1: ·; : ·s~G~;ION .EI:GS$;: :.A:: StJBbiv:J;s.IOir :;rN TRAv:I·S .
    ::::.: ::::. ::COON~:~;·: ~.lilXA$··, 'Jl.CC9RD!Nt;.·'tt'O::"ri:t~:}1AE': OR: .F~'J:: :iHi;:Ril;OF; ·.RECORDED: IN VOLUME :B3.; .PAGE..
    : : : : : : : : : : : : ,Z;t;3'A:i.: ~LA';l' ~qPJ10.S :QF .~~;yrs ·crotiN~:i", : 1rl!lMs·,: : :        ....... : : : : : ......... : .
    •           •           •       •        •       •           •           •       0           ••••••••••                                             0       ••••••••




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    ...                                 .. . .                               '       ............. .


    ............S$1~F!".if~t 62 AI,cr'< """~ · •••• ,,,,,;
        : : : : : : : : : : : : : : : : TOO ETHER \V.ij.f:( ai~: t~~· 1.ri1P!:9~eiien~: no\v· tir :t)or~er.: e.~.c~-tcd: on :the: ·p~ope11-,Y ,; :~l~: ~1) :~as~r11~~~~,: : : : · ....
                                                                                                                                                                                                 2       3
                                                                                                                                                                                                                                          T<X>, 78* •••• ,,;,     c¥M'>J~/.;.,:;: •• ·
        · · · · · · · · · · · · appurterilinces ainJ. :;tixtuies: tiriw. :or: her.enfter: a :part of iiu! pi'(ip'~i-ty: :Alhf:plao~tJeti.ts· ·and· adoitiens ·sliall also· 'be · · · · · · · ·
        ..... : : : : : : : ~over~cl'by flJ!~ se~):lrjty·lns~rurne'J!t:          Alt on.lie',fqregoii1g •is: refei::h~d Jo: i~ this Securrt)~.lnstrUituirifas :th·e :'Pi-c!per,Y: ··~ : : . : : : : :
        ::::::::: ·:: :~~r\ow~r. '!lilCJerst;t~s UiJd':agrees:th~'t :MERS !;olci~>:Qrtiy-:kgal.:t;itlc :r~:.tt~·ir1Je~eS"r~ gtliiit!:d. by :Bouower·:·in' tllis:: · · · · · ·
        : : : : · · : : : : : : S'e~iiri:~~: ~~~~~~e~t·; :b~i. if ~~~Sllry- :to· co~P,lY ~ith. l~w .o~ custor~~ :!>1-ER~)j~~ P~l,ll)i}ee: ~~f:l.,~nd.er ;m.::J :t;end~~r' s : : .
        : : : : · · · · · · · :S!l~sors <!nGI assigns); has dxe.pg}Jt:: tp e}:ercise:any Or<i!-11 ~f.th.t1se mt'etests,. 'ncludn'lg,· b~it·J~ot l1m1ted tq, :the nght : : .
        · · · · .. : : : : : : 'tO. :foreCI-o.'le: aJid.s.m the: f>f.operry.; and to ta.t.;e ·ar~~· ac1'i~ti .leq·uirei.I:t.ifLendi::i: rnch1di11g,: IJJit.bot .li!riite(Lt~, ~leasing ·<iJr · ·
        · · · · · · · · · · · ·~-w~l~ng. t:his:·&e.ilUrity l~.s\.!·tnne)!ii. · : : : · ·. : : · · ·             · · · · · · · : : · · · · · · · ·· · · · · · · · · · · · · · · · · · · · · · · · · ·                                                                                                                    j
                                                                                                                                                                                                                                                                                                                        r.
        . . . . . . . : : : : : : : : : eO'RfV)WS~ :coyeNANtS.ttict. ~(ro\yQr:-i s: l~w'futl:d~iitid ~f. il)e:esiai:e·hereby'convey,ed lin~ :1,a5 :&~~ righi ·to : : ....... .
        · · · · · · · . . . . . !.riliit: ariel Ctin'vc:f .tl:ui·: Pro,Pur.ty: and thatrhe Pt6~rl)!:ii; JJili!ncti'tt1~ed, : eiicep!'for ·~ncuinbr:D,c.es of re<ios:d. 'f.loryC,W.er · ·
        ::: .. : : :: :. : \Yartants::aop· w~ll: di:{erjd:.gal)~niHy: Jhe 1;itle' :t!;) :the.:.r.r-opert)': nga:irt$t: all':'olaims: and 'dema.rids; :su~ject :tc arty: :
        · ·:::: . . . . ,e~c~mb~3!1~es,of:~ecmd.-:. :·::::: :·:..........                              ·        ·.                                 · ··        · · ·
        :::::::.:      . : : . : ~n-11s: Sf;Ct;:R.lTY lNSTRtJM8NT· .con'lbiries (ui:if<irOi co\ienanis· .fcir. na:tit)nai 1.1se :and: !1011:-ttnifonn: :covenan~s : · ...... .
                         \.Vitil"· llrri11Cifl}Miatl·otis by:jurJ~dicij{jt-( to: OOri~titule·.a uhrfqrrn s~9r~.~: :~~tf~~e!~~:~¥C~in£ tear pr~pe'rty. . . . . . . ' ..
        0                                                0


                    ••••                                             •                   •           ••       :




        ~ ~ ~ :::::::::::::·~~{~.d~~~l~~~~~}~ts~~~l:~~l.o~r~e. ~ ~o~~~~s~ : : : . : : : : : : . : . : : . : . . . . .                                                                                                                                                . .. : : : : : : : . :
        : : : : . : : . : : : : ·.. : : ~: ·~~y~)~i';t; .~i ~i"J~c~<!-1, .In~~~ ~~d: Late. i::it~fgc. · i;3orr~~~r sb~J·I ·_P.ay: ~~jlCIJ. d~e· ti.:C: ~incipal. of;                                                                                                                               atld : : ....... .
        . ......                                                                         · · · · ·lllterest Qn, the -debt cv•dti.r)ceil. 'by'l.l~c N o~t:: ·wnl ·I ale -cbar:gc~· di.ie lh;td~qlie Note. · · .                                                  ·.              . ·           ·:
                      . : : : : : : : j~ :~-r~~t~tj.j~~;.t1t~~·~ .or: 'i'~~~s; ·)~~~~~c~: ~nc{oiher: Ch~rge,s; :aonqw~r. sn·atHncl(lde: :i" .eadi :1Mnt~l)· : . :
        . . . . . . : : : · : .liaY.~!eilt, :tog_~th!;!t, ~'-iithtne· prrrieip•ii: ~d in.tt:t~$t ,as:.s~~ r~~th \1'1 toe,~.c>t.¢ ·rn1d anf tate: ~hrirf?es; ll ::;u11l. (C>r.(~Ha,x\!~ ·<:~nd : .
        · · · · · · · . · . · · ·!ip.etJa}. 11ss$smenis levred: .or .·to be. le\'ied. ag".:tinst .the .. Ptope~:ty,. (b) l.e!I.SehOicl. ·ptl!fiTieilts or .:grou~~ ·r-cn~s -:on lhc, · ·
        ::: : :::. ::: : .P.rojl¢y;·~p: (c;):prentium5 Joi".in$!1runce requirei:l:il11der'.pal':igr.apti 4.: Jn:any:·)ieaf':ir..:.:,~llicll:th¢ Lenc,l.er.must pay, a·: ·
        : · : : : · : : : : · · :mor.~gag~: irL~Ur~Uu;.e premi!Jm to lhe· S'etFeta(y p-f. HL'I\(Si,log· and, 1Jrbao b.t~t¢1<lPI~e:nt ..(':·Se":retru)");: or in af!Y y~· .1i1 · :
            : : : : : : : : : : : : ~~k'\1 ~~~~··P..~~fl:'li~:l'!· ~vo.t~~ · h~v~ .tiee~1 reqlliFe.d: it' :Lender ~till ii~l.d. ihe:·S~cunty :~9~tt:~ment, e¥h m~nthl.~ :pay..~C!lt                                                                                                                    :::
            · · · · . · ...... 'Sit;~JJ. also.·m~luGI~ e.!\'\ler: {1) ~ St!!11 .fQr t~e:'a!1nua;l mo.rtg:ige:u~su~all(;e p1·~m1um -to l:le··:patd by ~cn~er· fo:th~.:8e1:retai.Y,~                                                                                                                     ·
            :::: :::::::: 'Qr:(ii).~'ni¢ri~})tY:¢n;Uge ins~(fof..<J:,nortg~tie i:ni:uraiJae.pren\iu.iJi if'.~lTis:Sect,t'.ity.l.nstrument 1s held.by.tb~::.~ecret.ar~,                                                                                                                                 :
            .. :. ::::::: .i:rr:~ t~tW.rmabf~ t~moulJt to. be::d~te:rm.fo~~l by:th~ .St:cret<ir:y.: :Ex-cept for' th~:mi:inthly.:ehN-ge.b.Y the. Sec.retary, these                                                                                                                                     ..
            : : : : : : : : : : : : l~e!l~S:·~r~ ~~~i.&~ ~~·?~C!C?:W :Uems(aud·::t~~ :su~1S 'Paid to: Le<~dC!' are.:~Be~ :'':l.'!s~<>~ F!>i~S. ~.··: .. : : : : : : : ............ .
                        •       •       •        •           0           ••••••                                       '       ••••••                        0   ••       ••   •••   0




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!:!![\\:!\!!~~::::::
: :: : : : : :: : : :   ~l!>Q~f~l<:~~- _9~ :<l!sbll~S~~h~itts: b!if-oi:~               fiie: B~hbWef'~ :·pa)'ineil:il ii.e'·i-.iail~b.l.e' rn: in~: actdu:rl( IDay :nor :be: bllsed :an . : .

~ : : : ~ : : : : : : : ~no:•:;.~~=:~~l(~~-;:,:~&:t:~r;n;;·t.~:tln-~t~~s ~~~d :t~·a~~o~i~~\ ~rn~irt~d :~~--be :~~i4 -~~ :~Es~Aj _:J~n~-~r: \::
: : · : : : ~ : : : · ~ sh~W~~unqo ~orr!>v;er· for:the :exe(!<S_s :funds ~s,.r;eqoiret(bx :~~Sf>.A.,: :!n~~ lirt!l)l:l~J:;·;o,r,fu_nqs.Jwl~ :fiY. L•l<nile~ ~t. !JDY : ..
· : : : · : : · · · : . 'tln;e ilre •wt=,s~ffic:ienr;·te ;:P,ay· tti~ :Esc'ro-.y ·i t~ms ~h<:n. ~i.~c; Li::.f!d:cr ~llaY, notifHhf! :flqr·row_~r ·apd- l'e<fuite :O~rroY,cr: to: : : :

~::: :::::::: 0~~i~~ti:~;~~~!~J~~~;:~:d~t:!~:~~~i¢n~i ~~rjr~)Q~:-~1; :~~~1~- ~~~u)e~: ~; :t~ls: ~-~;ut(rY :,I~~t~.~~~~~t.: ii.: ~.
: : : : : : : : : : : : B:o.fi'~\~t:1'~hq~r.!q() U!ridi!!r:·thi Jul.( :P:~YJ1leqt of all.;such.suitts: Botrow~t'-s .al:C9tint: :shall' be :cr-edited: ~~-lth :tho :balance: : :
: : : : .. : : : : : . r~mll,inil'lg fqr:nl:l in);l:al.hncm items·:(a),':{~]); and               (c)
                                                                                         :and _an;nnor:rgagdost~rancei pf.ciTdum' !nsi.allmerit. that                                :Lender
                                                                                                                                                                           has' : : : .
: : : : · : : : : : : : l!Qt :become. :obtl~ti.ed: ro: p:.ty.- :ro- :the :S~tar).!; :ana: t..et:idCr shitl:f: prbinpt1y: tetlu'J.;J :any: ex·!!~~.,: f.~rlds: tcd3{)tt:~V.ie~.: : : · . . . .

:::~ ::~ :::::~!~~~~~;.~~ ::r.~!~!~!o:~=~~:~ ~:;h~f~J~;~,1~~~:.;~~tJ~~;~~;~~ur.~~~(~;iel:1~~~~hd~r.: ~rr~w~'-~- :a~~~n;t :·shaH :be: : : : : : : : : :
: : : : : : : : : : : : : : : : 3~ A(>p.li~a-tio~ iif Payiiients. :A.iYp~yments .i~t1t;l~r. par:ngn1pli.~ .T .l'!ii:ifl sba ii.be .applied :by.:Lemler a5- f'r:J.IIows:: : . : : : . : ... : -
: :: : : : : : : :: : : : : : Eir~t. :_t6:tlie l'i~otig<~ge lns'itt~ce:prtmlum:tQ he:prud by-L'ei'ider·to··fu~:secietary:or=;to:the.·monthly charge by the : :
............ secretar-y l't:istead ciftne tno.ri\nl:{ muitgagdnsurail.ce:pa'ertiiui.r.r : : . : : ... : : . - ... : . : .. : . : . : : : . . . . : : : : : : . : : : ..... .
: : : : : : : : : : : : : : : : See<ind, to. any··tax~.; spe61al asscssi-il-ents; leasehold oa~'tents m gr6tind: r-eots; .ni1d :fire,: tloolfaiiGI' othct· ·hazard


• • • • • • T'i!i~~~~~~~m'~"'~' • • • • • • • • • • • • • • • • • • • • • •
::::.::::::::::: 4.:·f.ii~;                          ._Fioo~ a~1d Qtl~er=.r~azar;d.lilsut~nee.)3or'row<:-r ~hall
: : : : : : : . ' : : : ~Ovvin ex_i~tei:!-OO;C!r:·s:ubs~qi_letltl:y .arec~ed~ -:aa~insti Stl:y:lla~dS; (:Uual_ti:es:,:
                                                                                                                         insure-all
                                                                                                                                and.
                                                                                                                                       tmprovemt;ols·on.lh~P:rpperty,:-.,;l;tethor_:::
                                                                                                                                     ~oritir)_genci~, :int)Udin·g: fi're;. for ·-.'lf.hicli: . : ..
                                                                                                                                                                                                      ·

: . : : : : : : : : : : Le~~f?r: rcquh:e!t: in;,-ruranc~.: Thi:s insura:nce· :shalf: be :maintained: ~ri_ -~ht.: -at~ti1.l!Jts: ~- :fot :the. :peri;ods : th~ ~~ender: : : ..
: : : : : : : : : : : : ·r-eq~ire~-: B_ortO;':'~r ::shall :·alsq-: ~rys~~ :aU: in}l,lr!Jy~m~nls :l"!l1_ the_ I:'"~o_p~~ty; :whetli~r :11qw. :·in :cxi!:ite~c;e, or. ~tibseq~leJ:lr:IY. : : :
: : : : : : : .. · ::ert;~?~ed; -ag.ainl>'t fo~:;;: ~y l} 00~s :to :q1e: _extent: ~®ir-e~ :~Y: the _s-~ret~t)':, A(l ·)~~r.anc~ :\i-l'l&lJ )Je: c~9-R;~ ·»'it.h:·~qq~p~nlcs
... : : : : : .... :appf_O~etl::l;iy':l,.e~;~de-!'·:' Ttie ·ins!'lr!ln(:~: po!i~le~. :llnd_ anY :r~l)~~v?J'l~ si}~l b~- :b~id b-y Len~er:' and shi)IJ:ln91u~kloss P!!Yal>\e
: : : : : : : : : : : :-~IQ.~JS¢:.~· io:Jay,Gr: o(, :Q.nc;t _in= \\:form a!X-e)~tabt~· to.·.Lcrldl:t. · : : : : : : : : . : : : : : : . .      . _.             .::····· ·
· · · · : : :::::::::: fll the·~wnt ~),[1-os_s_,.BQfn>w<:r shall.givc..L~Ild!lr illiniectiat.t::i:t:iiJice:'by,:mall..bendet·may=·make:pr:oof.:bf-lo-s.s ·lfllot:: : . :
          : : : : · : : made. ,Pftll'nptry.:by· Bo.trtiwer.: Each: in:>ara.iJcc-.i'~ltlJl<ili)' coric.etrted:.is ·nei·.dby: a1ithorit.ed ·and':direc-ted to make payme.nt' · · ·
          ::·::::for such· loss 'dit~et!y:·to· LeMcr:; lnsteud ilOo·:BcirtGi;-i>t:r and -to Lendei: joihtl)'.: All or:ruJ_y::part··or.the.::instir.anctl
          : : : : : : : proceeds i11ay: tie: appliei:l:-l:iy' U:tider ~ at its_ option·,: e~ther :(a} to tlie rcili.lctioti qf lilt: i 11geliteiltie~~ L!rii.ler. tn~· N.o~1u\rid
.... : . : : : : : : thi~ :l:;ci:uritY: l'nsll:L!Ii'teilt, :li~sf to: any' !}diriqu~nt_ amqu!'lts.,~ppliep _tn fh~ :t)ri:l~r' jo'_paragr~ph;3.~- _ai)ij :tlu~l) tt\ pf.epay•nellt
:::::: ::::: :-of.priiir<ip·w,: or'{b)-16 the·:test~'irati:o.tf:Or. t-:cp(l\i-. ot-Uie· da1j1flged Pi:.Qp.ettY: AnY -applh;4tlon:-of the proteeds' J6 the
: : : : : : : : : : . : principal sh:sJI rittt' e~t<i:nd 6r puiitpori·e tne:i:lue: date '()f the rnoi\thly· 'pa)imeiHs. wl-i'idi':are refetrt\d lei in paragi'aj;lh. 2, ·.or·
· : · · : : · : : .. change tlie :ainm:int orsi!Cn-payrn·ents~· Aiw :exress Insurance: pri:teeeus :~v.er· a11 :ainoui1t rcquir.cii':to: pai aft out-sta:na1~g ....
. - ..... : : : indebtooness'tiridei- the Note riJjd this seci.{ri~.lnsinimenfsha1l be·pai'il'toothe·entity'legrui.Y. entitliil.thereto.: · : : . . .. : ..
              -: : : : : : : : hi. tlie eV.c::i-11 .of loredti.ure'.of:this: Secilrlty Instf.umcllt ~'r --other: traris.!ei :,of. title =to ttie: Propertjl.:that :ell!'tinguishes · · · ·
            · · . : . :··the.. irideblidneS.'<-all riL!ht;.· title .and .imerest.-i.>f.BorT.c'weT. in' arid 4dnS\:ir·ance pOlicies :h1--~r:ce· shall _pass. to_ tlie : ·


 •••••••••••• :r~~ili*i~;p~=;~;~;~~i:.~:=~;:~~~'lf::.A:~:~~i; •
 . : : : : : : : · : : : d~y.s a(i~': th_~:·£~ec~OJ:I of. _thi-s :S.eclll')ty, ln_s~ument .(:_~r: ~ithin sbcty 9:~:y&: o:f'l) :1!?-t!=r sal!; ;at)ran~f~r :.of\_hc :Pr0p~rty)_ :
 : : : : · : · : : : · : a9f;i :snal:l :c~mti.nt)e: to. ·m:f?upy the._ fropert.y-: as Borrower's prin~ipahesid.c.nc~: fO.r at: l~ast ·one: ~ear :llJi:er if:te da~~: of : : :
 : : : : : : : : : : : : ~t!paJ'If-}•,: t:t~Jif!!!s: I,.~~er- tictc.rmjnes :lhal:reg\[i)"et~~t _-wi_l~ c:!use-:un9t!e: h?Jd-s~lip_ for :B()r~ower ,. _or: :Uiiles~ ~?'le!'J.\tat!l1g : : :
 .   .... .. .. . . .. ... ...                                                                                                                       _,,.      --~-
                                                                                                                                                     . ... - ..... --....     .. .
                                                                                                                                                                       ·.... _.-
                                                                                                                                                     .:. ::. . :. ;.l~l!l.:
                                                                                                                                                                  . . . .
                                                                                                                                                                            .....·. ': ·:...:.
                                                                                                                                                                                 .        '




                                                                                                                                                     . . ..   ..    . '   ..     '    '   .   .   '
                .................. ...                         '       '.'   ....    '


                                                                                                                               ..... :::: :LoanN?_;Ii_lll_.•.•.••••:.::::::
 ..   . .   '   :::. ::.             '   '   : : : : : : : : : : : : : : : : : : . : : : : : : . . . :~ :   .
 : : : : : : : : : : : :-~ir~mstan~es: e_~iSt                        :whicli:: aFe t:ieyond :&rrower~.s- :contr-OL: Borrgwei< s'halr :nqtify<l..:.et)der :ol.:             M.Y: e~tiluuat!vg: : : : : : :
 : : · : : : : : : : : : :c!r.c~~~t;r~e:s._ .aotr,~~"'er shalf' noi ·ixlrn~~i:t ~v_iL~te 'or -~est.fo);, :;pa·r~g~ :fir :~i.tbstl)ntiill}~ chan!li '~h~ :i>i-6p~rt)>:,or:.ai)~,v·ttie               · · : : . : ..
 : : : : : : : : : : : : ~.r?~~rt'Y _to c;~~~~i<i>~~· reaso[Jilbte ::-~-Gru: :M-~ :fc~r' eie~f,t.f.lil. ~~~;d~<tna); 'hispect:tiie, haMi:iY. if. the :l"ri?p~rl}· is· .Y<tcani                        ..
 : : : : : : : : : : : : or. :a~OO,ned: cir: ~he: loin(is :irHiefcii•:!.t. :(;Crid¢Vin~y' .iik~ ·reason~ble:·a¢tJoit'to. pt'ol.ec(and: pre:s~rYe :s;J~h .:l;!acant or _
 : : : : : : : : : : : : ~~a~rt~~- :P,r~pe·~;r.: :aor~~~.er.: s~a11:                           a!so·: b:~. :i~: ~efautt. i'f::$~i-l-.o.~-er.•. : dur.iiii-:th~ )oM. :aP.fiii~\o~ proees5,   g~\!e   ::
 . :: : . : . . : · ::~~'cr~~H::r. .f~l~ ~r··inaccu1·atc ir~fo-rma6on·-or.·oSi:a1cments·to Lenckr t<>r ·failed 'to 'j:>FO:v-ide Lender with any· lnaieti~l: · : ..
 . . . . :::: ·:: :'·~rtfo~~tio~\- ~"- ~~~ecii~~:w.lt~:&~: \oan:.e;iderjc~:b¥ i'1~ :~ote,;·1~~\~~f~g; :~"~:~t)i.~ite~::t~; :re~~~~,)t~~~\i ::::
·: . : : : : · : : : : : ~~~~:r~i.rtg: ~~~r?~~!'~. ()~~pancy: of the. :Proper1y :11!': u. prif1cif'l!:l.: r.esl:genet;.: !/: tli,i:S :Secur.itr. li'1ll~r:u~n:t:.J!> :·qn _a
 : : · · : : : : · . · : ~~c;ehotd,: B6r_ro~ver·-~hnll.~om~)_);_ ~itli the pti:tvisiqn~.-~W~h9 le~e.lfSor.rqwc_(acqu,ir\}d¢e:t\ile t('! the: Prupli:~!y; the                                                         ,.
 :::::::::: ·: lease!hoktandf~title·shaH!'Jo(bemf;lr:g~(!.:.l1!il~:L~!!~d~,:ru~~·~tis;-t~\1~)~.m~rgerin·~riti!lg::::::::::::::::: ·: ·.
 : : : : : : : : : : : : : : : : 6.: G'!n~e,~il!atiu:n.: Th~pr<;i':e~s._Qf ailS~ II;V'(·ar~. Qi <;\a.i.m·JP.r da:r:h,!lg~,: i;lir:~ct :o:cco'nseqtlential; 'm ccOill\~tion·with
 : : : : : : : : : : : :-=~i:W· :!:~~-cm1tati.!:!n Pt<Ptl-iei': ~:)1-:.ir1~: .csf :atiy :_part r~f::tb6. :P:I'</J~rty, qr: t'<rr: cm~ve~~Mce: in: ~la:t~e :or' ¢<J!.ideill·r•n~iM, iti.e: : : : ·
 · : : : : : : :: ::: h~r:e'b-y:a.'iSi!:l'll¢d-.ar'o !lhall 1);;: .paid. to L~nder .to:the-~~tent.t~hhe f~H ~ntlolu~Hrf tl.w:·~ntlel:itedness tbai'remain·s:ut1paid . : .
 : : : - . : : : : : : : ·undet: Chl::t'-l:oee:an:d: this Se;;tir-Uy:.lilstrut'ilei'IL :LeiJC\er shaH' ap.r~IY,:5hth proceeds 10 ·Hie tedu(ffiorl (?fthe :iridebt¢~ni;ss· : : : ·
 : : : : : : : : : : : : t1nder: th~: N~te-:aoa: this Sec-urity: 1-nstr:um·ent,· .first:to: ai)y :deHnque1it: amotiritS ~applled::ln' ;ti~: order: pr.oi.r\ded>rn' : : :
 : : : : : : : · : : · ::.p~t:a,SriiP.h 3,: a!W' tWtn--lo_-prepcry.nient of pd~:K<ipal. ~hy l\ppii:Cati.oh 9ftiie·prpce~'Ps :\_() .th~· j>rim;i 1;a.E sl11t1(: not :~xten'r or. : · · ·
 · · · · · : :: : : : ::po::tpbtte·tl)e dti.e d~Je :Ofthe··iliPt1thly.p.ayoients~ \•:b.ic;li··ru-.e r#f~r~!!el to .i.n tj<\fagr-L'iph':2,'.ot. ci1a:ngc tli¢ mi1o.iir1i o.f siich. :
 : : : : : : : : : : : :;_piiyinen:ts: :An)-: elic~ss.. prii!=~~c;l~ o~·er. :~.:amount :r~lii.I'Cil to·:~a,¥. ~111 ~utst:inding fiidehledne9s :tJnder the:No~e- !~:rid .this : : .
 · · · · : : :: : : : ::~..cur-it)(ln~ti-U.Jtli:rit:sharLbe::paid to the.·~-7itif¥·1egally'ei:tiitled.tiiei:eto. : · : : . · : : : : : : · · : : : · : : :: : : : : · • : : : : : : : :
 .... : : : : : : : : · : : : -:,:~ :charges: :to ..8orr.u~vcr· aitd. ..f.f.ote.ction :.nf .Lentk-r's: Rlg.lits :.in the. ::r>roperly: :·:Boiro-i\·er sha:l !': pay 'all: - : - . : :
 : : : · : : : : : : : : go\•ernrrieilta:f.:or :.min\icipal cbru-'P.eS;: fiiuis· and ·itnposltlons· ihat ar.e not: indudoo :in :par.:igrapli ·z; :aorrov;•er: shalf.pay' : : . : : : : : _



 :::::::::::l                                                                                                                                                                                       ::::::::.
 : : · · . : : : : : : :·:cov~n-~s: an_d agre~!'ftel.lts contained· i~:~is: St:turity ~i~s1f~:~me:nt-: oqher.~:-~·a- _legat.procceciing ·that: may sig.n:ifl<;:antly .· : : . : : : :
 · : : : : · : : : : · :.:af!'eci: l,.~l)de(s·: ~lgljt~· :if:l :me. Property {~uch :liS :a pt_o~eedihg :Ill· ~llf:l~r.l\ptcy, .~o~·-cond(lmlJ.ati:on. qr_ to: ~11f9r~: la:w,s ·o,r. : : : : : : : :
 : : : : : : : : : : : : tegu:i~t~Qn_s),: t!:r.e~ :-l.,.en_d!!~ )l')ay dO: :rm~ :P.ay: ~h~v~r: i:s :·ne¢ess!l~Y: ~ ·pr<?t~t.t_h~ :val lit:; 9f tile ProJ;erty: '!-11d: !--!!n~er'_ s_ : : : . : : : •
 • ::: ::::: ::: ri·gh~s iJ:l_lh~:l?:~9:peuy,:1n.c)J.!~ing.pay.flle!Jt-oftaxes;:hru.ru:d {1~Sli!:f.l'l9t:-l}Pcl9~nerilE;rris:mel1~~c;i.n~d:in·p?ragrm~h:2,::: : • · · · · · ·
 ::: .. ::.::::.::: Any.~ol.ln~~ :lH:¥ursed:~y- 0;nd_er. ~n~h;r_ii~is. P:¥!ilgt11Pl.t:~l~~-l.Qet;91i16 ~11 addli:ionaf deb~:.qf: ~l:~Pw~·and be
 · · · · · · · : : : : :.se¢uY.-e<J:Jlftliis. Set:~;~dty..Jnstn~rnent: :l)leoo :ani:0~.n1s· Shall bea)' :·intere'st::fr~•IT!:.the:dat!S i:lf di~:bur~em~~;qt,:-at.t.!w Note: :
 ....... : : : : : rat~; anll anh~ 0llt('Qn :oO.;~I'I!J.<>t., .shaH. b~ .il))t'rlcdiare\y;d.ue·.ulll :p.aya{)l~: : : : : : :                        ... . . .. .. . ..                  . ...
                 . · . : : : : : BorroWer. .shali..J'Il'OI1lpdy dischlltge liriY Hen-;,~·liit:h has pdodty :o"er: th-is &.'turity :.lnstr:ume!lt:·wtle~s: Botrowet:· : : : . : · · .
                 : . : : (ti} l!gfees iri:<Wt:iting·. Jo Jhe. :paym¢nf ·i>f tht:obligatiol'i secur.ed .!JY: the.: lien: lr.i ·a: tnar\rle( acc~ptahlc: to: Let~dcr.; {b) : : : . : : : ·
                 : : : : ti:>il(CSls: in. gl'iotl' '1~\(ti U1e: l ieii· 'b:y;. :tir: defe1ids' agafnsf :·en:for'celiJenJ .of:t(lc. lieh :.\n; 'I eg~l :·p!·ocecili r-igs. '\'ih icl1' in -Uie· : · · . . .
 : : : : : : : ... : . L~l)ci~{S..:d·pinibrr cip~rat_e :to: pre';!~t tlie enf1,1r~n'ient .<if. th¢-: lien:;. oJ (c)'Securc;s· :r~t!nUhe_ hq(~er:9{.fh.e: li~n...an: · ·
 :::::::::::: ~rteti'ient:i;atisffultor-Y.-~o:Lcl)der si.ibor~.i:n;;rt)rig.tlie uc(i toti.lls S~cudtj' i!lsti,ut'nei't~; lt~erid~r:dclt!.rnijti~:tl\~fil{l.~ )!rl ....... .
  . . . . . :::::.: (.lf.the:PrO.pertfis:subjeqt:1a·a· ..li¢h 1>\!hich ina)•. atfuln:prior.itjd>li'~r ·th-i:s·secwit)i :Jnstrumei.lt; :~n~~r.:ma~ .g~ve:::::: ·:                                                      li'·
            · · : : : : : 'Borio:w.er: a notiGe idei:t.t.ifYirig.:the:liho.' ::BOrrower shall satjsfy the lien .Oi<t<tke 00!.:· or .morc..:of. the liChbO:i·:S:et: f~rth : : : : : : : .                              i
            : :: : :: : abOVe.~,lHilci ro:ilaYS of"tlle:gi.f.ii,g:or.rloHce·.:: : :: : : : : . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .             ·······                                      j
  : : : : •: : : : : : : . : : :s: Fees~ le~det: tnay i:oUecit fees arnf charges :authorized: by<the Secr'etruy.' : : ·
  : : : : : : : : : : : : : : : : 9. Grtiuiid~. f{).r AC:tcleratioit ·of Oei:.t. : :· • : : • .. : : . : : . : : . : : : : • : . : : · · - - - - · · · · ·              ·· ···· ·····
  .... · · · · : · · · : · : · :(~) l?~fi!ui't: :~.:._ender-tna_'ir; ex.~pt as· Iim)te'Q by r~gu1ations'is~ued by :t~ie Se-.Cret~~··: in: tlie .~a of:pay~:nen~ . ·
  · · · · · : · · ::: : : : ;_. · : Ac:fauits; ~~uire:inirnedi~t~-~1men~ i~ f,~n ~f-~11 sutli~ ~~lli-Jd ~Y'lhis- ~e<:\iri.~Y:_Ihstt~CIJ~ if~. .                                        . . ·             · ···
              : : : : · · : : : : : : : : : (i) ·Bo_l'~~w¢r:~~fmilts b..Y failirg t<? p_ay ~n {till ~~y· rJ?i.:lnthl)'. payYne_n~. J~tlue_~ ~Y. -~J:n~ ~~lll"1ty· lnsttl!ment: : · · · · ·
  :: · :: ::::: ::: · · · · · · pf.iorto:or ph·th~ 9i.le d~e.oftli_e qei).f-n1orithly_paym~n,t;.:-o_r: ·. · · ·:: ::: . : ::::: : : ·: :: ::::. :: :: ::
                                : . : . : : {i~)· a~~r;:,~~ ~l~a~jts.lzy: faili~i. :foi· a·P.er{od Q.r' thl~; ll,ay~. :t~ .p~yfonn :any o1he~ .,obli,Bllt~o~'IS:t:011\ai.nt:d : .



                                                        ....
  • : : : : : : : : : : : : : : · : : : : j~·'~~ir~;:curit>:. :tns~nnn~nt: ·                                 .· .. _· .... _ . . . . . . . . . . . . . .    . . : : : : .. : · : : : · · ·
                    ... ..   '   '       . . .

                                 ~-




  ...       .   '   ... . ..
: : : : : : : : : : : : : : : : : : 5b~ Sitle:,,vm~~~f ~~~tlt ..t\Jipro~~l. :~eilt:l~r ~~~~J~.1fjler0i~ti~ -,~y apr)Hc~l~ IB:w. (incli1~ll!g: S~tioi{J4::](d): . .
: : :: ·: : : :: · : ::: .. · <fr flJ~}:~,wn.~_~):; -Q~rt~atn· Q~;~~!t.~;y l~siitutior.•s .Aot: ?f -1982··: :1~ 1J:S.:C> 17.0_Jj-:3-@)' :wld: W.!th the: pri~?r. : : ·
      :::::::::::::::::fr~~v:a~:~f- n~~ ~c~:et~9·:J :i·tJ9~)r9 ~~~1:1~~iatt ~~~i~~~ :i~l :f~l:t :(,f:<t:11: ~u_m~ st:eur~d_ ?~ ~hi~::Sec~r!ty Jn~~~~~~r: : : :
: : : : : : : : : : : : : · : : : : : : : (i).~u: ~i: ~ari-ofthe ~i~P~rtY~ or a~~~~ficiiu:•~ter~sdn·a:~~s~:ov..~:i~g art~i::J,a~.: 0~t\1~¥r~,;~~;. :~~-s~l~:
. : . : : : : : : : : : : : : : : : : . ()r o1;lt.:twtse trn!!S~c~r~d ~o~berthM-by d"c:visc-or.di:sGCI'It); and. · · · · · · · · · · · · · · · · · · · · · · ·
                                                                                                                                                                                       :::
: : : : : : : : : : : · : : : : : : : : :(!9, T~~- :B~C?P.crty ·is. ~~( oo.c4pre;o: by   t~e p~~ch~~r·:·~r: g_r,a~~~i. as. ~fs: qr i:t~r: P.iln~!raf (~i~e~~~.: o~ tl;c: : : : : : : : :
: : · : : : : : : : : : : : : : : : : : : Pl/rc~~er- :qt_ g~!lf:l~t;'"· ·d9~ .S9::·occui)y :·the: i?r.tlPcrtY: ~ot. his. ·pr :her: ~r.e~.ir :.has: not. bee~t lip_p,rr;n1 ~;d :)n: : : .
.     : : : : : : : : . : .. : : . : ..: : fl(,:COTdlil!ICC_ ~ith tl)c;: :r¢qL~ircm~ O·f-lbc_ St',tir~~!iry, : : ' . ' . : ... ' ' : : . : .. : : . : . : : : : : : : : : : : : : . : ... : . . ... ,
· · ·:::: ::::: :::: . :~c)'                Nc!· \'V.uj.ve:r;·Jf ~i~9;Lit'!1S~:m;:~r~r thl.it:'<Y!llild P!lrmit:~ti!fer to ~c;quir_e:iffiJ~ed~~e=payrnerir·it;'fult but: :: :::: : : ·
      ... : . : : : . : : : : : : :\.<ender ~t)e!i!\ot r-equir.ti: !il\c.n:P,ay,mi;:nt$,_ :\,;~;t\®.r:-~i :riot. wal_-..re"hl! r:ishts:wi~h tespe.cuo. :silb~ut:nt: ev:crits: : : : : · : : : : .
      · · · · · · · · · · · · · · · : :( 4): :&,eglJI!lt.l~n$ · of JtU.j) :~'llct4n~-ry.. : hi .many: c:l~~'mlstan~s reg~rl at ion's ::iiisu~d :·by thei Si:rirctai"y· ,,,.m· ttmif
:: ·::::::::::::: ::Lender.'·$ :r.ights•..in::t:ne c11:1-e ofpay_mcnt=dcfaults~.to.requf.re-im.m'ediat~ "MYment i·fl. ftiU inid 'toret\ose if oqt'
: : : : : : : : : : : : : : . . : :p:aid. ·:rtris :Set.urll)~' lnstrumCil! (t<Xis mit :auth<lri:¢ acteli:t.atioil :o..: M¢cl~s~~~e if i\ot' p.ertr1ift¢d i>Y:·:regul.i1-ti¢ri~:
. ::: .: . .. .. .               : :;,J:tfui Sec;ref.ary:    ::::::::.:          ::.....         . .. ·........... · .. · .............. : : : : :. :·: : · : : : : ·: : : : : ...... .
: : : : : : : ·: : : : : : : : · : le) M.otlgligc.NQllnsurc£L· Bor.tq\:V~t ~rees lhat·i,(diis:Seci;a.rhy liistr:Umentai1!Hhe Note we::nt>t determin.ed
::: ::::::::::::::: :t~:l:.b~- ~Hgibl.e: foi:fnsuJ-aq~.:e: .iinder:the:NaHol)al. J!eu~rig Ad:,;.Vi'i.iiin·:"Oo: day$ froiri the.· datc·:hereof; .Lciioei"
:::: :::.: ::: :::::: :nitly,.,.:a:t ·itS' Oj>.Hllu_.· iei]~lii'e:.irrinl~Qjate:pay.i-rient.~in::ruu:.o:r all.SUfn$.SeCLJY.ed··ey ·tni.S·:Se£Ud;ty: ltlstrUTt:le"nl.:.A: ...... .
: : : : · : : . : : : : · · · · · : ·~~·r1nen st3tei:ri.e'rri:'of any· ai.Jthnri'zed.. agerif.Oh:he: Secretary Jate.O: s>lliseqrient tri Go·uays from the' dit€ ·hereof,: : : : : : · : : :
: : : : : : : . : : : : : : : .. : .decli~iing. to .i.n$ui·& :this: SecliritY.: IIistri.un:eni •and: th'e: Nt>te,: slil'iH be: dect~)ed 'conclusive •·rr~f :or sti.;h: : : : . : : . :




i::::ii~:::~,        · · .e\•.en after :foreclosure. pr.oct:edings. ilr.e instittrted. ·To: ·refnstatc the SecurHv. ·Ihsti:ument;. ·-Borrower ·slrall·              ter.tde~   in
                                                                                                                                                                                        :;~::;
                                                                                                                                                                                    11: · ·
          : : : : : : : :·~~~P s~;n: ~ti ~~~o·u,)ls: ~eq~,ir~4 :to. :bd.li. a~~r~~e·~· ~ :ae9~~~~ :c~rre~~- j·~cl~4i ng,; ~q th~ 1:!~-t~i tb~Y. :~~:ob!is~i.!ons: q[ : : ·
.... : : : : : : : : ~orto~er tin~er. tb_i~ ~~ur~ty inst~uant;~l_(,: f~tei?l~!>'lc!r'e :c.'0sts ~n~ _tc;asorJ:i!hly·.arr~ ~l,l~t9!llliTY. ~t,ll?r;riey~· ::~ees ~nd·-~x:pen~t!s: : : .
: : . : : : : : : : . : .'prqperly as~r;>C<i~d: wh.ii ~he fo~IC?SI.Ire, prp~e!<dlil_g.: Upon: r.~i.j;ls~aJ'"'!le-n~ :l_,.y_ :t>QgoW~(.: @~ ~e~J,lrhy :l.nstrl.lm~nr:anQ
: : : . : : : : . : . :·[lie XiPligafii:lf.l~· thar:ii. _sec.\.!tl!!i _sh.cr!I. :r.ema'in .in :ef.f~i:t :~jf.·~.ender:D,act: no( -~~i?~. i!nmG;().~il,tl:r p~yrnent. \!.\·run.·
:::::::::::: He.\V.ey¢r;· :Lender: .i~.:tlO:t requiteo:: \~ pc~:111(1: ~eif!sJati'irrient i_(i: (i):: LeJJdet: h.as ·a~-~;epteg xeit)statemt:nra•\e;r. th~
: : : : · : : · : : : ··tommenceme•)t. of for-e~to_sllre: :pl'O'ee®ings :willllo ·tv.'() yew~ .trriir.lediately:_pr.eced!ng.- Lh~ eGmmenc~nencdf- a. ·cum:rit . :
: · · : · : : · : : : . foreclosure· proreeding._,_ {ii}. r.i:insEatt:m~itt: wiLl precluUe 'foreclosure .on· ·.rlift'ei:e,1t !VOl.irids: in tlie :f11turc,. or :.(iii) . : : : :
: : : : . : .... : : .·Feir:u'>l,isferrier~n.,;tn ai:Ji.>:crsli:ly'affect the: pr-ior.it)'tif the lien .created by dl'i!i Security lnstnimetit: ... : : . : . · : . : : · · . · · · . : ·
:.::::             : . : : : : . i'1:· Boh·uWet:i Not :Reli!:.lletl;    Fu'rbL'at"Ai<l::e·   By 'Le.ilder" Noc:·a    Wah'et-. 'Extenslou·of the: time-: of payritent or:                          ..
· · · · . : · : . : : : .irioi:liticatioo· of iimortlz11-tion: ~f'tlte $inn~.;,ec~req by'ti\i;{~et:1Jrity i_t1!:ltru:rnerir gr.i\nted: ·~y: L~ndet·w· -ilnY. :si,cf.\esl;or:in : :                     ·
          : .. : : . : intiri::sl. of :aor.J0wer: sha\1' it()( operate. to' 'i;elease :in~ Tii.\bj\ily :.0'1 t'he :·odginai BorrbWer :\;it: Beit.iQw.er' s :~u(:cesscit:in ..
          : : : : : : interest.I.endcr sha1l iiot be· i-equlied to··coril.lnence. proceedi'niis against :any :su.Cce'ssor. i.n: inieies(or:·refu5e io :extend
        · : : : · : : : tin'e 'fot-pa~nien-l.oi ·O:therWi!.1: :modifY ainorti:iation-of.lhe· suins' :secured '.bv: this: 'Sc.i~ufit)' Instiument' b~ Ieasoll. of r.ri_y:
: : : : : : : : : : : : de~~rni:tna~ 'b'y' th(: oi-ig.lii.lifBorrci.\\-el': or"Bo1;rowd s i;ucice.i>sai-s hi i:nler~: Ariy::tb!'bearnnce :~y: Lct1der h1 ·eicercrsi~g : : •
: : · : : : · · : : · : ~Y- rjght or··temedy shall: 1iotlie If wa!vl!i-·of or prei.lhide:the exerCise .of an~· :rlght'-'oi-·roi:tnedy.: : : : : · : : : · • : · : : : : : · : : : .
. :: : . : : : : : : : : :: : :li.: s~~~e.~~~~rs:a:n~: ""~lg~~·n:o.,_!'~i:-lo~~t;~nti s~~etlli-:t;iabi1l~r; C:o~i~n¢:.~~-:T-he:~ov.en.iiits-nn~·~gr.eeJ:l1ellts: : : ..
    . : : : : : : : : : : : oqhis ·$~t:l1ritY Instrument _shml bin~ and ~eoefit th\!-;5\-ICGes:;or.s and assigns ol' Lender -aml-.BOrr.ower~ shl?J.~t to~                                    :.
    : : : : · : : · · · · · ~~~i~i9ns- of:. p~agraj:¥9(b)< :·sorro\ver's· ~overia,Rts iuiu irgrccinent& :shi!IJ: be· joint .arid' severaL Any:Bt=~nowe~ wlm_                            :::·
    : : : : : : : . : : : :.<_,a~sigbs.'thls St:curitj.dnS!~uti:li~n~: bu{ does ncit·:eiecute: the .Notei (a:)'ts.. cci-s\gning thls ·securitY :I'I\Str.un1Cn~ oii.Iy to:               :::.
    · · · · · · : · : · m!iriga'g~; g~arit ~d ::;:o(lycy that. Boi·rowds i:ntereSt:.in :the.'lhopcrry ~n1der ::the teriJis··nf this Seeurity.lnstrument; (b}                             ·
    : : : : : : : : : : : j~·OQt pe~9n~OY. ~b)) gate~. to -p-~§'the sums: 'seciured-b)dbis.'.SeciiTitY, ·fristrlimen1;: iuid (c) agrees tnat Lender: arid ·ari;Y                         .
    · · : : · : : : .. : : o~her :~orrower r.rmy. :agr~' 1:0· extend,: 1nodi.i'Jt, forbear-: or: make: iuiy· tu:comn,6datioris. with :r~ard :tcdhe ter:t.ns .oHlus

    ••..••••••• S=m"' tmr.,,;,e;, OCto<"''"""000> iliM Bo>•OW<X'
    :::::::::::::~~~~x:J :~·:so?~-~;: :::::::::::::::: :::. :::··~~~g-~r~: :::·
                                                                                                    <oO.Onc ••.• • ••. • . •. • ••••• •. ....         fh.
                                                                                                                                            .......... ·"
                                                                                                                                                          ; •
                                                                                                                                                            :.~.    R.  'L. (
                                                                                                                                                                                         · ...... .




    . . ·~-=-~·.                                                                                                                               ·-
                                                                                                                    . ·.::.:. .:,_.~-·-.-··:-·~·    .
    ..       . . ;· ; .. • I           .. :; , -..~ ..




.. . . . . . ... . .. . . . . ... . . . . . . . . . . . .. . . . .
o    •   o   o   o   •    •    o   I     •       •   •   o    •      •    'o       •   '•         •
                                                                                                       . . .
                                                                                                       •'   o'
                                                                                                               ..   . . .   .   . .   ...
. . . . . . . . . . . . . . . . . . . . . . . . ..................
                                                 ....
: : : : : : : : : : : : : : : :1~~. :~ot~~s.i Afi):o. :P?~i9~ t.9 8or~\~¢r'pt;oyi·~~t(foi ·i~.this: S~~~rt!~ i·r~~.t:r:~~ri{ ~~~~ii b~ ~tv~~ :b~:.rl~li~~i~1~ :'it                                                                                                               oi : : :: : : : :
            . : : : : :1JY. mailin~ it :by. fir.sr.'~\ns.~ rnaif ll!)less• ~ppiicablc 't~w •rcq\tires: use •cir an6-tt~t. :~;~i,etho'd:: 'Th:e .iJq(fQ~ sb,all: be di'rec~ed to .
: : : : : : : : : : Jb\l :~r!_lpl;fo/ Add res$ :or. ·~ny                                                                              oilier·
                                                                         addi.ess .Bot.rower ·designates by: ~Qtiee·lo:'tind,.~; A~y:.i6(i.~!H~! :Lc;,\'d~r ·~i,ail                                                                                                              be ..... : :
  : : : : : : : : : : ::given tiy:·fir~·.~i!'SS· t'l'!~lr to: l,:.er~de~·~: a4di~is :=si~t~d. ii~r~in ·cr. ~~,y:a&lress •LC'nd~i: i3c~~griat~s' iiy· ~'lotice to soi-t:6\Y.ct'; : : : : : : :
: : : : : : : : : : : :~\IY.11Pti~=:PtQv.i~E:d for:i!l :t\tis:Security InstJ:.umertt. shall be: d~ttiCd tci hii;v~ O,eel): gii,eri·· tci ·eC>rro~v<i :O(Lec:id~r vih~ii.: . : : · ·
:: :: : : : ::: . ·givt~·as prov~~~d: in:l~is,p~agr~pn.:.: : ::. ·..:.: : · :: :_: : .: · : :: : : : : : : : : : · . : : : : : : : '. ;: :: : : :: : : : : : : . :: : : : : ·
: : : : : : : : : : : •. : : •. :t·~;, ·~~vtr~iltg. ~l'tW·i :s.~ve~'l'!P.'ilJ~y;: Tl)i~. :S~LJ:rity, !f1S~TUll!ei!~ :.:;r.ali ·~):~CIV~rned .by 'Fl>.der~t Ia\~ 'f:l:lld u~e.. 'law. of: : : . . . . . . .
            : ·:: : .~~~.q.u,qs~I~~~O!)·II~ Wht~?·~~~LP~(JP.~r~Y·~~ Jooa~~~l.. l~·the. event-that .il'nY.:P.~O.VlSton:~r:~~laus:e:of,t?ts, Se~~~·ty.lnsu:umel'lt:: ·
            · ....~. ~t; .:No!e .~n.tc.tl;_ v.,th;apph~able law;                                           ·not·~fl'\'!ct: pther: f>T:l?VI.St.Op!':· or   such,cQnfttct:shall
                                                                                                                                                            S~~uvlty·lns).);'llme~.~ ~'r ·
            . :::: .~Jlc,:~~~e. ~h~c~ '?il:n: b.e·lli:vcn effeci-without th.;; Po.AtJ.i~til\g, pr~lilsi.et~": 1"{}'this ~s'id ..tl~r:; P.rovisiQ'iJs,{?f ~~i.~ S~trit,Y:
                                                                                                                                                                                                                                               ilit,s.
            : · · · · ·lnsfrument and the l'•l'ote· are·declared :ro :be ·sei.rerah:li : : : : : · : : : : : · · · · · · · · · ·                      · · · · · ·· · · · ·· · · · · ·

:::::;: i                          ~ j . )tJ~L~~~~~~~r~w~r:·~ :c~~Y:·.: ~~r~~e~: s~a~~.~ ~ gi~~~· :.m~¢: ~?~~n~~:-~·~:f~Y: :r:·th:: ::·f: .a~~: ~·: :t:i~~: ::-:1:r:t~ ~ ....
            : : : : : : : : : : : :·,:6'.: Hal:;i.r~·o1is'SJ1bshi6ccs.: ~til'i"{j~er:.~half:non:~s~ :pr:pei'Jnirth~.:presence, use~ dispo:;~al, .stotage. ,Cifti'il¢!\Se: : : : :
         .. · : : : : : : :~Can~ Haz<,u'doi:Js St!b~tailce·!Sc:·ori oi· in:lbe Pr.o~ty:· :Borhiw~;r: $hall not: <10, nc)r: al)qw :a!tYP~~ .!!!s.~ to :i\0', :t~Y:ti'!ing: : . :
. _: . · · · · ·                                         atre"Gh:ng·~he. Prpperzy that: iS: in. violati·ort:-of·BI'!y:.En\tiron:tntmtal:l'~'"~ .:                                                :The:t)recedi·l:lftw9 seni~hc;es·shall ,nof:;ipply·to · · · .
:::: ~ ~ ~:: ~: :~~~!~i~J~t~ ~~~~~~~~~:~~;·:n~~~:=t~j~;~;i~;~~~:~s:0~\~q;a1~~~~~t~::}~~~;~f~~st~c:~·:rhu~: :a~.e g:e~~·::a~I~·::.
: : : : : : : : : : : :. : : : : Bo~rQ~er ~haH' pr,;>m~tl:y, giy~ :L:en,l~r: wMeo: :npti~·:pf any inv.e!'l,'igat!on;. ~)iii'!';· ()eiiJaiJd,: la\.'l:iu~t :~r':o~her .a;;;lioli · :
: : : - · : : : : : . : ~y .~!lY.<goy~~n.n.J~n~<,tl: or. ~~la~t~l'{. 'H~cncy :0!- privaie !"a~~:Y :i'~YQl')-'inlt: ~\it ::ProP:<?£:1)<.:t\~~ :W.iY.. Ha7:Jifg~~s,,.Su:t'!~l~t:l~e·.o;: : ..
: : : : : : : : : : . : ePYl.ron~~~ ~i;l\!1' .~f:wf)-i,c:h B,or.row.~r h~ a.iit~til k'!Jo'\")e~ge: · lf·~ort{iWer)e:i.FM; (tl" is .no~it'ied :by ·atl)" govern:mental· · ·
: : : : : : : : : : : : !?~ f'egu!~tr;>rr. ~ut/"9r:it).~,. Jha.t.:an)': r~itio''~ 6i Nht:r. i-eii1ei!(a~ic;>li. ~t ~.}!<HawdoY.!i :substn.ilces: affectin~(the F>roJie'r~: 'is: : : :
: : · : : : : : · : : ::l_'l~"c,~~acyi:!3qr~qwet; shall pr-om'ptl:hake ~~!'r~sary'r(,iriedlal acti6ris:.in:.a'u-;,Qr'.dance with EnV.iio'nnieiltal :L:l.w.. : : :: : : : : .
: : : : : : : : : : : : : : : :~~ :~~~· :ih: thi$. p~~~~apl~· :, ~~ •·:H~·~dou~= Stibst'~itccs!' :,ru:~: ihQse s~I:Js~arices<defintxr.as· toxic o·r :hazardous : :
: : : : : : -:·: : : : : ~u~s~an~~~ :bt E:!,vitisnin~fita,r:t,;aw :~niiJ' itie: fol:19wirlg:· stibstonees~: gasi>line,: ·keiosi:lie.. otr1er· :fltirin'oi!ble: or tpxic: : : ...... .
: : : : . : : : : : : : :petrol~um· product$;. t~xtc Pti,'l(id~~ ar:JO: ll~i'oicides,: vcila!ile solv.cnts;, :n'Hiler'ia,l,S. L"l,)ntai.tling· asbestos:pr: ft;mnal~epyde. :
: :... : . :::: · · ·:iin~:t~diO,acti.V(niiata·jalsi .A~:U..;red Ui this::paragt.~f!h .Je,; "£1ivri=6mnenta1 La'v~' :nitaf.lt;.:federal laWs and. 13.~·5 .Qt'the
: : : : : : · : : : : >j'\.i(i$dicli;oit\V;here :u:n~'=Pr6pei:t)'' is lliC.-Iled·tba.t relate 10 hi::'.alth, :sa'fet)H:in~n~lr¢mt1enirtl:prt:Jic:¢1\()p~ : : : : : : . : : : : : : · :
           : : : : . ::3ioi\J.~(r}lifoRM C.ovf.NANTs.; ~tr!:.~·t:f ~i:td'J~nd~r:.fH~th~ co~en:nnf:,tiri(agrf:e ~ fallo\.Vs~: : : : · : : : : : : : ..... .
: :: . : : : : : : . : : : : J1,: ASdgnmtilt.'llf. RtiriJ:s.: :.B'Qrt<l.'>liCt. 'l.n~gliditi,cmally as~igns ·9,tld transfers to. Lender:all the rents·.iln~: .re:v~nucs: · ·
: : : : : : : : : : : : bf tb~ Ph'>~t!Yi ,.B.or;o~v~r .=~u~qr.i~~ :Le.nder. or ~;en~e(s agetlts to: cc>llccl· !he: rents. am!! .re"enue~ J:~nd hereby :~':l'eqts, · . : .
::::::::::: :.e;Wh: teriliJ)t 9f'.th.!! P~op<:~ty. t<:l pay· the -rerits·to·Lender ·()r. :t.enclei's·..:;~gems. ·However;; prior·fO.·L~n,d.;i'il·!lQtJC~·Jo · · · ·
::: ·:::: ·:: ::Borrower·of'a'orr-ow.er~·s ..breacli .Of<~nY.•cov.enant:Or agreem~nHn:·tl)e sect!dtY, Insti<iri1¢ri~j·:.Borrowe:r :>0~11. cone:~~·alid· . : · ·
          . : : : :f~.eh~e· all :rents and rcveni.1~i o.filie Propi:ltili~)i'.~stac: for. ~he 'ber~~fi~-:ot: U~!1~9(1!ild. :6or:r6~:¢~~ :this n5sigrin1emtof . . .
. . . . . .. : : · : renf~ Ci:ms'tillit~S art:8hso'Jt\tb- assigrlll~ent !l£ld liqto~ :assig!lrli~l)i f<~(<iddi~j;;inal i;eci:Jritj Only.: : .. : : : : : : : : . : : : : . : ...
·::: ·: ·::: ·:: · ·: lfL~~der gives:n~!fc~•ot:br.~ach tO. Sor.ro.\\;er:: (a;>.ail ie~ts· f.i<;e.i:v~·j:\Jy· ~~":ri:>w~r.·5i1~t! ~:held b~<J.Xiri"t;i':\!e(as·:
: ·. : : : : : : : : : : ~r.u~~e :fcc· ~~nefit. Qf· r.ender only,: ·to :be: .,Ppiied :to :the sums ·secur!1ld hy :dte ·security :lnstrurnent; (P) Lt;nder ..~;hall :tie· ·
· : : : : : : : : : : : ~t:t~i~led. to·t'o!lec(ailEJ,:recei've all :Of.fbe rer.iis.:Of.th'e P.i'l)perty;· :iJii<t:{c) .eacl'(tehat'it·of the Pr@erty :shaH :pay:.a!l·rents: .
· · · · · · · · - · · ··.due and ·unpai.d.te    l.:enoer. 6r. Lcnder.:s:agel)t 6n:U~ndcr~ s y{rittep :c.lemai1d co· Jhe·tenant: : : · · · : : : : : : : : : : : :
:::: . :: :::::::.: Bol:to\ver.:liici. not'e-ieti;i;t6dhllyJ~ri6r.;i.'l.~;gilrili:Jn.( ohhe.tentsa!ld.has:n;:)t ~uyd y.;m: . n9tper.for:nJ·;IUy·;J~:(h~l( ~VO.!J1d..
· · · · · - · . . : jlreV.etlt.Letider:fi·O:ri:t:exet~i$in!,t-it.~fig11ts. !!rider. .Jhi~ :P'<~rfig,apb: p, : : : : : : : : . : : : : : : : · : : : : : : : : : : : ·. : : : ·. : :
: : : : : : · : : : : · · · : : Leilder=shi!TlnaUic.:t~~~roo 't<H,:titet up0:11, tll.l<.e:qo:ritr¢1.l=)f.Pnl1n:it)t11ifl ~he:f'r9p~rH befqiC:·or ~:fier g~ving notk~ .
: : : . : : : : : : . : of.breach:to:~o.r~bwcr:.. 'I:fowt:~er:; Lt!n~1Qr ·Qr: ~ JtJ.c!i~l~\ly:af!p9in~ed' re¢:et.v.er lnil,f do S(l.·at any" time· t~ere IS'' a bread~ ..
: : . : : : : : : : : : ~.riY: ap:pi!~£i~)n'Pf.r~i}ts :sllalf ;no1; ~'\f~e: <,!( ~~;Iive,any·def~ul~ o(in~il1idai~.:~!':Y·\J~hct :r\ght or re.n:ledY_ of t::o~er~ Th.ts ·
: : : : : : : : : : : : ;~.S!\ignmel~(of;n:'!lts :of: the. Pr<?P~!ty. ~~i!l :te~~i:o~ite.:»~ltc<n ~he ~.e~1t ·~ecur~d b)! ~e: 'Securit~ ~,nstrum~nt 1s prud ra full..   :                                                                                                                   ·······
· · · · · · · · : : · : . : : : •ts. Fore.dosur.e. P.~ednrc: u Uiu:ler. ri=Quir.~s :in1me~liate IHiy~entj'idu.ii t1~.~cr p,a:r:agr.~pb i.J,::Lc~'dep~~Y :
                                   : : . : i.nvob.e tlie',()Ower ofSa:l~:.i,litd :att}': otli~t)'•:~r,:tlij!l> .J)c;r.t.nlt.t..,ci- ~.Y. :.appli.c11·!*: l.a~':·· · I;,f;nd,e~ .s.}t.n~l :b:~. c~~:t!tled; t~ ·~-?nJ~~t · ..... .
                     . :. :::all           expenses lnttir:red in ..put~u~ng.tb.c: ~en\edies P.ruvjdcd.in t~ti~ p~ragrap!l:l~,:'l~cluding,, ~~~~.not ~~nt~·t.o; · · ·.:: ·::
                         : : : : : : .I:~:llS!).uablll. at~r.n.~~·s'. fc~ \\n~ .~.o~t~:<!( tiU~·!!'!'i<let.Jce.. : . :. :.. .. : . . · .....       .   .    :         ...
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::: : : : :: : · : : :: : : jf··t.e~~~~ -~~~·~*~!f:t.ll~ pir\~ei- ~r:sa~~~:~,_ide('.9r' Ti·~~te~·sll1ili :g;..~.e. _(ril.(i~ _ohiM.i ti~H.cd1.-~~~ :aiii.l: 'tei:ros:of. : : : : : :
: : : : · · · · · · · .. saleJ:tY: .P.Qs:ting.\ln.a. r.ecO.r~Ji.ng. il!k !_iotiue·.\i(: \east lt :days :pr:.iOr' tli !!iale :as: piovided by: applic:able: lav.;·.: Lenufi.r: : : . · · ·
· · · · · : : : : : : : ·~~~~~ :1,111a~l .~. ~i.\p~ ~f ~hc··l!!lti!:~· ~?f :sale. to: I!:j}~r.ow~:i': in the:. mat'ti!!!.i' :pr~¢.dlied. l;_y:·u:ppJicable':JAw. :·Sale.. sbaJl.:fu., : : ' .       1:
: : : : :. : : : : : : :- ~~~e, ~.t. (_Jl;lt/_l.lc_ v~~ue between tne:h'?'!rs: of L~ 11,m<a-n:d:"' :P.·Ill•. {!ll ~h~ f~rsf Tue!;~a:y o.f:the mo-nth, .llor.rower. : :                              I
                                                                                                                                                                                                    l
: : : : : : : : : : : : .~u~~!J.~;z~ ·'f:r;l!~~e; t,CJ_ sell (he P~operty t!\ tbe lli'ghest l!ldd¢r ·f9r..~;:;;51dt1 ·oii:e ·.tH: moni>panels ·and· in· any ·order                  ::·
: : : : · : : : : : : : ·Truste~ detcrrnincs•. Lti•ider :nr·:itidesig~ie'e 'may·pui:~liase.:the Pr.()-p:~rty ~t. ~'nY:sidc.: : : :· : . : : : : : : : : : : . · · ·
: : : : : : : : · · : : : : : · T,rostce :sbaU.. deiiy.c:r.: ~u. lhri iiy.:r~h:i~~r :rru_steci•s ·tiet·~l .c!)nv.cy\J1g: in(H!fej~~.i~~~ title. :t9 •fi.~· :P,ropi.1J'tY.···witb:   ::
: : · · .... : : . -:to~~n·anfs.o.r.cge.ntra:twn:rrli'l:l'lty;_ :U<~r.ro\ver:covcnlfnU·,MtJ:-ag'rces: to' clefend:gt;nerauy. Uie purcn!lser's.uoe: fo·the:                          : : ....... .
. . : : : : : : : : : ::P.r9p:ctt~ :aMiJ:i?t -~~~·~l~im,.<> :md.Jic;ma:uds.: Tli~.t!!Cih!I~· in: :tf1~ trus~;ee':s: de~q'·slt~ll :~e; p.~itrtu fncie oevldetice of tbe              ···
. : : : : : : : : : · : lt:nth·~f th.~:statement.~ lU:.Ul~.·1herdn. TntsiCl!:'!lh~.H ·apply .tlie J,r(H::eeds .of'tJJe snt.e ·in the:foUowing or<Jer: (:a) .. ~o:                   ::·
: : : : : : : : : . -:aJJ ·¢.~pcn~e.S.:of. th~··s~lc, .ioduding; but ll~~ iin\ited io •. ·rcns0:n-ablc l'l'llSt'eer·~-~ml att~r.ncy~ 1 fec:;i ~~)'tc;l.. f,ltl. $J.!tl1S
· · · · · . . . : : s.Ccu·roo. b'y'1bis' SCcuriJ:ylnstl'ument; and (c): any exc.ess to. the· per-soli e q1ers1uts .legally entitled t~ ij, . . ..
: : : : : : : : : : : : : : : .: :It' t~~ t>r.operey· is ·s61d · pursit~ilf 10'. i~is: par~g/l'iJili 18~ ·m,tr~~vcl" o~ 'any: per~on ~~~liJii.'!il;: poss~~siQ~: t,.f t~i            ::
.. - ........ ...r~o_p~rfY: .t~rf)ugll :Qo.J"r_Q\'t.!er-~ba~I: "J~~~lethpt-~ly- .sut~reAdcr :p~ss~ss_lQtt: of··tl•~ ProP,crtY<tt) t~e· purchaser. at that                                 ·······
: : : : : · : : : : : : sa:,~: :If. p.o~~essi~~: i~ :no_t ~U.:~renctcc:~d'• .B.m·rowl?~ !)f :su:c_fl: :P.crson ~~-~\'1.1. :~. ~ :t~~\lrtt ·a~ s!lffer_an~, ~ntl J~a:y :be:           ::
::::::::::: ::~~~tpv.e<lbywrit-of·posscssioJt.: · · · · · · · · · · · · · · · · · · · · · · · · ·                                                          . · ···· · ····
: : : : : ::: : : : : . : .: 'it tlie:'LcD.der's::iitie~siin' iliis :SecuriiY. tnstmrnent :iS·· hdJ hy: ibt; SecretaTl':,;iri.d fh~·:Secrehn1' requires: : : : :
: : : : : : · · · · .. ·immf'dia.tc Jlli.ymcrit :;rt: fult:nild~( Piiir.agtaph: 9;: the :~e\;~~il.J'Y..:nl·aj<·f#'v!>'k~ ::tile: ng:nj~rdicial .power of s~le ·             ...... .
. . . . . . : : : : : : :prov•decnn :tl1dilngle :F.aJniJy· M Oi'tll:.t'gc 'Fori:closure Act ·or 1.99 It:("1.\.i:t''.) :( JZ :U .=s~e; 3751 et s<'q>) ~y· :requ~stiitg .
::::::::::: :-a:~~n'eolo~ui:e. ~<?I!l~i~~~f)~~r.d~~!~a~~: i;ll_li}t;f ~li~ Act:to, c'(?n~~~e:nce:t!>r-eC:I9SU.1'~:.'!'!<! ~o:~cll, the Pr!>per(y J!S : ..... .
:: :: : :.:::: : ::lff.'?'~ided-ln ~he· Atlt;. -~cHbing hr-tb:e·_tJr-tttdiiig·.s~uten<:e·sbaU. ~cp~h·"'· the S!-'crc~~r.y o( any- r:ight~ :~t\J~re~·~~: ·: : :
                    .. ::a,·ailob.le·:tG:a: Lender•.u:i!ler:d.t,. J"ar..'gra:pJdS:o·r:npplicable'law.: : : : : : : : : · : : · : ·: : · · . : . .

        .:. \\\·: -'~s:t;~~:~:.~e:~~~l~~~~;K';~~Q~~:/t~~~~~~~u;~~~t~aj!in~:it~~1~*~Z~~t: ·~~:~d~: ~~~h~~e.~~ :~~~ ~~~r~~: . ···
·                                                                                                                                                        . .. · · · · · · · ·


           : : : : : : : : : :. : zo:.: SubstHi.lte i.r.ust-ee. :Lend~r.'.at:its,opticin and: -ivit~~·or\¥ithoLiCciause, :may froiri tline:to:time:remove l'r.tisice · :
.: : :::: :::: : :an4 :app~nt; :OY.::po'¥ft::r.:c/ att<.i~)ey :qr.:o~her:wj~. a. w«~sor: :t~\l~re~: !t> MY..Tf.ll~tl::~: appoi:r~t.ed.l}e~elifld~r; .\\litllout :: ....... .
 : : : : : : : : : : : :-~1)\:ey~~e. ~f' t~i; :Prop(!rt;', :~he suc.cessor. ~f.U$l.e~ ::Sll!lf! :s.uc~ee.d. t;a :alf :'t!1e :t1t!e.•: P.OW~(~d mrt;i~~ ~9f!~c;:r.e~ :·up.o:n: : : · : : : : : : :
  ::::::::::::l'~l,l~tee~et~\n.a~d:~~·appli~iili!e:law:                            . .                     ::·:: .. · . . . . . .' . . . . . . . . . . . . . . . . . . . . . .
 : : : . : . : : : : . : : . : : 21 •. Snbrti'g~t'i()JI: Any·:of:t\,e.pi'O'lieeds ohhe NothiSed ro·t:IJki:Yupt)lrtstandingXtens.against:ali:or:wiy_part of the:
  :::::: ·:::: :·Proper-cy hiwe·lieen:6ffV.ailt~d:bY: L.ellw.:lenit..BotnJ\"er'.s/requ.ast nl)d {).I~Ot:t,Borrtn~'C(~ reP,ri:S~•'lt~tion.t!J.O'lt_:su~h:runou~l~
               : : : : : ·a•:~ du~ <ll'!c1 ar,e 'S~~ilre<l :by. v~li.d: l.i~ns. (lga\n.st the Pr,operty,.: ~nqer :-sha:J:I :l:i.e_·subi'Oga~ed t<?: fl:ll)'. Mthll! ri~G,h~s,. supeqqr: : . :
             . · : : : :.. li1:fes.- liens: and equiti¢.S awne!i.Or ·dai.intid -bY: any QWf1.et or· holder q:f' MY ·out.s.tari!J.mg..hel'ls. and debts,: ~eg:ar:tlless,of : · ·
            ...... ·wo~tlil!l~ :Sai~: li~iis .o)':d~~:·a:re; acqt:iired ~y·-Leri49: ·~i t!ssignirieni:or'·ate:·re!~<;d by·-the hold~r t}1cr~of t1pon P!-~Yme~l:: : : : : · : : : ·
 : : : : : : : : : : : : : : : : 2¥ rat·ti~J: ,·uy~~i~i.Y; \:~ th.~ ~~~il~ a;,). :P.Pr.ti~Ji ~f tJ)e ~~~~~ _i~~enJ.~:to: be: ~e~~~~i~Y tl;is -S~~~(lty: I~~t~un~eht
                                                                                                                                                              : . ' .....
 · · · · · · · · · · · · cannor-b.e J:aw.fully -s~.\Jred hereby, PilYm~ntHn red~;~c(!Q~' ~f such· S!.ll\l..?·:ohaTI l~·appl!()i:l·f\rsHo those- P,Oft!qns:not · · · : .. ::

 :\::::: \\:: ::s~~u:~~;;~:t~~ ~his:~~c~ri:t~d;,1ir.~·ni~nt:.~ ;f~~e:·ot·:mor~ ~i~~~s·w·~ ~~~u~~ ~ ~~~T~~~~r.an~: r~~~;~~:t~gettr~r:
 · · · · · · : · · · · · -with this· .:Se<Wdty lnst:run':len~~ the povenaRtS. of· ~ll£11\. st~ch. r:idEtF sl1all be ·1n<;orpprated .Jnto · .aoo· .sb11ll :~~end ~.d:
 : : · : : : : : : : : : .inJpple.illeilt'thc: C.ovenanJS: :lnid :agreenten'ts· .i:>f:tl.tls .Secinit)i l)istruil'ieni' itdf 1h~ vider:(s} Were :a :)iatl' of th1s ·Sttunt)l.
 ·· · :::::::::        l'nsttun~t:nt.: [Che.cl<~~p.pll~hk l>ox(~)l          :·:.:::.                                  ··      ····· ·· ····· · ·· ···              ··· ·    · ·· ·

 j~:. ~;: j::::.: 8: ~~~b~~~~~D~~~b~t~l~t:F:i~e~:: 8. ~~~;~~;~~~~~~~~~~~d~~~r;::.: .. :[]: ot~rls~iryi:::::
     .       · : : : : : : : : : 2~,: p~r~!'!as~: M~n~y;: :Ven.!lor•:s' Lien~:R.ei1~W.:.1 inl1i: Ext.erisiiiri; :g::ompi61e:as -appropriatef : : : : . : : · :. : · :
     · : : : : : : ·: .''f.fle)uni:ls. ad11~mci*J to: 8.6rtower t'n'lder the No·te wer.€ ·used t6: pay .atf or part of the·P.urchase: price o:f th~. · . . ..
 : : : : : : : : : : : :.Pr.OP.e:rtv:':The:Note atsi:tis. pnh:Tatl~y· secur¢cLoy tM veMor.s. li.en :tEJtaineo .in ttitH:Ie~a :qf.~ll~rr:da:t~ wt~h ~ms· .... : : : .
 : : : : : : : : : : : :-S~currty, l.n~trumen~ corweyjng!h.~ P..rope;rty ~Q ~9rr9w:er, V>'h1ch:y~nqqr!) :U!&/'\::f').C!~ peen .assrQn.ed. to. ~e!)c:!er, tl'!rs ....
 : : : : : : : : : : : :·~.e:c~r~Y l_ris~r.u(m;~~~be:i~g .<!dd!tloti~f s~~litY: ·~or ~L.f9tHv_e!'Jd.f>rS'l(e:~.: : : :                     ···      ··· ·        ·····          · ····


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                                                                                                                                                   · · · · · · · · · · :200•: A&Jo-.:-~6: ~-i :~-An: : ·2004158719 .
                                                                                                                       : . : : : : : : . . : : : : : : . : : : . £llltNSI< ·$!:iiii:C10 . : : : . . . : . : : .
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.........
                """""...;..;......;..;··~~- .~~l.:~:.t.
  Exhibit "D"
Notices to Vacate
....... ,.,_.....,.,..,.....,.,...._-..----




                     OCCUPANT(S) AND/OR TENANT(S)                                     00000003366986 EVCT
                     PLEASE DO NOT FORWARD
                     2623 ALCOTT lANE UNIT A
                     AUSTIN, TX 78748




                                                     NOTICE TO TENANTS REGARDING THE
                                               "PROTECTING TENANTS AT FORECLOSURE ACT OF 2009"




                                   ARE YOU A TENANT OF THE ABOVE REFERENCED PROPERTY? IF SO
                                                IMPORTANT INFORMATION IS
                                              CONTAINED WITIDN THE ATTACHED
                                                         NOTICE.




                                    PLEASE READ CAREFULLY
                       ISTC




                       BARRETT   DAFFIN  FRAPPIER TURNER   &
                       ENGEL,   LLP  IS  A   DEBT  COLLECTOR
                       ATTEMPTING TO COLLECT A DEBT.     ANY
                       INFORMATION OBTAINED WILL BE USED FOR
                       THAT PURPOSE.

                       £V_TcnanlsAcl2009_Bamu:r_Manual.tpt- (01/19/2010) I \'cr. OS
   BARREIT DAFFIN FRAPPIER TURNER & ENGEL, LLP                                                       lSOOO SURVEYOR DOULI>VARD
                                A. FAA'INEl!.SKir IXCLUDINO                                          SUITE 100, DEPARTMENT •100
                              PROfESS!OliAL CORI'OMT!ONS                                             ADDISON, TEXAS 7SIXII
                                                                                                     TELEPHONE: (972) JS6-SO.IO
                           ATTORNE\'S ANDCOUNSRLORS AT LAW
                                                                                                     TELECOriER: (9-72) l4t-07.H


                                                                         November 29, 2012
00000003366986
           IF YOU AREA TENANT OF THIS PROPERTY YOU 1\IAY HAVE CERTAIN RIGHTS AS SET OUT IN SECTION II
                                            OR SECTION Ill BELOW.




OCCUPANT(S) ANDIOR TENANT(S)
2623 ALCOTT LANE UNIT A
AUSTIN, TX 78748

RE:       Premises located at
          2623 ALCO'IT LANE TINIT A. AUSTIN. TX 78748
          (hereinafter referred to in this letter as "the property" or the "premises"),

Please be advised this firm represents DANK OF AMI!.RICA, N.A. who Jmrclmscd the property nt a foreclosure snle held on
Tuesdav. September 4 2012. or is the successor in interest to the party who purchased the J>roperty.

                                               PROTECI'JNG 1."'ENANTS AT FORECLOSURE ACT OF 2009
 If you ore a Tenant of the property, you may \1ave certain rigl1ts under the Protecting Tenants at Foreclosure Act of 2009. Please
 coutnct us inuuediately to let us know if you are a Tenant :md please provide us wilh proof of your tenancy, such ns a copy of your
 Lease or copies of rent receipts.

                                                                               Stctionl.
                                          NOIJQ; TO VACATE TO OCCUPAl'ITCS> WHO ARE NOT TEN~
 Unless you 11re 11 TenAnt as described in Seclion II or Section Ill below, this leiter constitutes formal and final demand that )'Otl
 VACATE TilE PREI\llSI~S located at 2623 ALCOTT LANE UNlT A, AUSTIN, TX 78748. If you f.1il to \"olcnle the premises
 three (3) days after delivery of this 110\ice, our firm hns been authorized to file a forcible detainer suit agnins\ you for possession
 of the propetty.

                                                                               Section 11.
                                       NOTICE TO VACATE TO TENANTCSl\VrTHOUT A LEASE
  If you are a Tenant •witbout n Lense or with a Lcnse terminable al will tlllder applicable Texas law, please be ad,•ised 1hnt
  pursuant to the Protecting Tenants 11t Foreclosure Act of 2009, you must vacate d1e premises witl!in ninety (90) days from the date
  you receive this notice. If you fail to comply with tllis demand, our firm bas been authorized to file a forcible detniner suit against
  you £or possession of the prope1ty. Tf suit is brought against you, you may be liable for the attorney's fe~ and court costs
  incurred.

                                                                               Section III.
                                                    NOTICE TO VACATE TO TEN ANTIS\ WJl'II A LEASE
  1r you arc a 1enant and yon are occuflying the premises under a Lease that you entered into before the foreclosure, please he
  adl'ised that pursuant to the Protecting Tenants at Foreclosure Act of 2009 ("the Act"), you are entitled to occupy tbe premises for
  ninety (90) days at\er you receive this letter or until the end of the remaini.ng tenn of the Lease, whichever is longer. If you are n
  Tenant who hns o Section 8 Voucher, you b..we additional rights to continue to occupy the property_ In order to conrinn you~
  status ns Tena11t, you must provide t\1is finn with a copy of your Lease Agreement or other evidence of yo11r tenancy including
  evtdcllce of yonr Section 8 Vouclter (if that applies) within ten (10) dnys from the date of this notice. If we do not receive
  evidence of your tenaucy wilbin ten {10) daj•s, our finn has been authorized to file n forcible detainer suil against you for
  possession of tbe :property. If suit is bro\1gbt against you, you may be liable for tbe attomey's fees and costs of courl inct1rred ·
  Your failure to contirm your stnlus ns n Tenant wilbiu teu (10) days will not net ns n waiver of)•our rights under I he Act.




                                                                                                                                   rase t of1
 El' _Notie<:ToV:ScaleManual.rpl(l2/ll/2011) I Ver. 33 000110003366986
                                                                          Section IV.
                                                        SERVICEI.\:IEI'tiDERS Cl VJL RELIEF ACT
Service•nembers who are on active duty, including active n1ilitary duty a.~ a member of the Texns National Guard or the National
Guard of aatotbcr slate or as a member of a reserve component of the armed forces of the United States, have been recently
discbargcd from active duty or a persou who is a dependent of such a scrvicemcmber may be entitled to certain legal protections
pursuanl to the Servicemembcrs Ci\'il Relief Act (50 U.S.C. App. §§ 501-596). Please contact us immediately if one of the
categories above applies to you. Iu addition, please pro\•ide us a copy of the military orders establishing that you nrc ou uctive
duty, your discharge papers or proof that you are a dependent of such a serviccmcmber.

The seriousness of the actions suggested in this letter warrant your immediate attention.         If you have any questions, plcnse contact
the Evictions Department at (972) 386-5040.

PLEASE BE ADVISED THAT TillS LAW FIRM IS A DEBT COLLECTOR AND ANY INFORMATION OBTAINED
FROM YOU Wli.L BE USED FOR THAT PURPOSE.

                                                                   Sincerely,




                                                                   BARRETI' DAFFIN FRAPPIER TURNER & ENGEL, LLP

Copy via regular mall

Loan#:
BDFTE#:         OOOOOOB3366986




                                                                                                                                    Pngtlnrl
  EV_Notic~ToVncoteManual.l]ll (121!31201 1)/ Vcr. 3l 000000033669&6
MAAYG RUST                                                         00000003366986 EVCT
2623 ALCOTI lANE UNlT A
AUSTIN, TX 78748




                           NOTICE TO TENANTS REGARDING THE
                     "PROTECTING TENANTS AT FORECLOSURE ACT OF 2009"




         ARE YOU A TENANT OF THE ABOVE REFERENCED PROPERTY? IF SO
                   IMPORTANT INFORMATION IS
                 CONTAINED WITHIN THE ATTACHED
                            NOTICE.




         PLEASE READ CAREFULLY
 IS'TC




 BARRETT                               DAFFIN                        FRAPPlER            TURNER   &
 ENGEL,                           LLP                   IS            A        DEBT      COLLECTOR
 ATTEMPTING TO COLLECT A DEBT.     ANY
 INFORMATION OBTAINED WILL BE USED FOR
 THAT PURPOSE.

 EV_Tennni$A<t2009_Danner_Monual.'l'l • (01/1912011)) I Vee. O.S
      BARRETIDAFFIN FRAPPffiR TtJRNER & ENGEL, LLP                                                    ISOOO SURVEYOR ROliLEVARO
                                 AP.\R.TNERSIIIP INCLUDING                                            SUlTE 100, OEPAR:TMENT ~00
                               PROI'eSSIONALCORI'ORATIONS
                                                                                                      ADDISON, TEXAS 75001
                                                                                                      TELEPHONE:(972) 3~6-$0.10
                            AlTORNEYSAI«>COUNSELORSATLAW
                                                                                                      TEI.F.COPIER: (97Z) 341·0734


                                                                         November 29, 2012
00000003366986
              IF YOU AREA TENANT OFTBIS PROPERTY YOU MAY HAVE CERTAIN IUGliTS AS SET OUT IN SECTION II
                                              OR SECTION m BELO'''·


1\"I"ARYGRUST
2623 ALCOTT LANE UNIT A
AUSTIN,TX 73748

RE:       Premises located at
          2623 ALCon· LANE UNIT A. AUSTIN. TX 78748
          {hcreinnfter referred to iltlbis leUer as "the property" or the "premises").

Pleuse be ndvised this firm represents DANK OF AI\'IERICA, N.A. who purchased the property nt a foreclos11re sale held                011

Tucsdny, Scotember 4 2012. or Is the successor in interest to the party who purchased the property.

                                      PROTECTJNG TENANTS AT FO.Rii:CLOSURE ACT ·oF 2009
 lf you are a Tenant of the t>ropcrt)•, you may l•nve certain. rights under the Protecting Tenants nt Foreclosure Act of 2009. Please
 contnct us immedintely to let LIS know if you are a Tconnt and J>lense provide us with proof of your tenancy, snch 11s a copy of your
 Lease or COJlies of rent receipts.

                                                                 Secliunl,
                                 NOTICE TO VACATE TO OCCUI'AN1TS> WHO .ARE NOT TENANTS
 Unless )'OU al'e ll Tcnnut ns described in Section II or Section Ill below, this letter constitutes formnl oml final dcmnnd th3t YO\\
 VACATE TilE PRE1\1JSF-c; located at 2623 Al-COTI LANE UNIT' A, AUSTIN, TX 78748. If you fall to \'acate the premises
 three (J) day.~ after delh-ery of this notice, our finn b:rs been authorized to file a forcible detainer suit against you for possession
 of the property.

                                                                              Section H.
                                      NOTICE TO VACATE TO TEN ANTIS> WITHOUT A LEASE
 If you are a Tenant without a Lease or with a Lcnse terminable nt will under applicable Texas law, please be ad1•iscd that
 purs11nnt to the Protecting Tenanls at Foreclosure Al:.t of 2009', you must vocate the premises within ninety (90) dRys from the d;11c
 you receive this notice. If you fail to comply wi!h Ibis demand, our fim1 has bees1 nu!horized to fil~ a forcible detainer suit ngoios!
 you for possession of the property. If suit is brought ngninst ymt, yotl may be liable for the attomey's fees nod court costs              t·
                                                                                                                                            ;
  incurred.                                                                                                                                 :.•

                                                                                                                                            I;
                                                                  Section. Ill.                                                             '·
                                           NOTICE TO VACATE 1'0 TENANT(S) WITH Al.EASE
  If you me a Tcuant and you are occupyi.Jlg the prcmisu under a Lease that you erttered into before the foreclosure, please be
  ad\'iscd thnt pursuant to the Protecting Tenants at Foreclosure Act of 2009 ("the Act"), you arc entitled to occupy the ptcmi.scs for
  ninety (90) days after you receive llris letter or until the end of tlte remaining term of the Lease, whichever is longer. If you are a
  Tenant who has a Section 8 Voucl1er, you lla\'c additional rights to contin\le to occupy the property. i11 order to confinn yonr
  &lotus as Tenant, you must provide this finn with a copy of yot1r Lease Agreement or other e\'idence of your tenancy including
  C\>idcnce of your Section & Voucher {if tbal apJllies) within ten (1 0) days from the dale· of this notice. . If we do not receive
  evidence of your lemmcy wiU1in ten (10) days, our fim\ hns been authorized to tile n forcible detaiuer suit against you for
  possession of the property, If suit is brought agninst you, you may be liable for the attomey 's fees nnd costs of court incm:rccl ·
  Your failure to confirm your status as a Tc~aot witWn ten (10) nays will not m:t as a wnh•cr 11f your rights under· the Act.




 EV)IIDliceTo\ljteateManual.l!'l (12113f20ll) I Vcr. 33 0000000336698G
        Exhibit "E"
Judgment Awarding Posession
                                                CAUSE NO. C-l-CV-14-010108    FILED FOR RECPi'C
       BANK OF AMERICA, N.A.,                                §               ~~~~f_RJJu~~~c~URT
                                                             §
                 Plaintiff,                                  §
                                                             §
       v.                                                    §
                                                             §
       MARY RUST AND ALL OTHER                               §                           ATLAWNO.l
       OCCUPANTS OF 2623 ALCOTT                              §
       LANE UNIT A, AUSTIN, TEXAS                            §
       78748                                                  §
                                                              ~
                 Defendant(s).                                §              TRAVIS COU~TY, TEXAS

                                                       JUDGMENT

                 Plaintiff, Bank of America, N.A. ("Plaintiff'), appeared through its attorney of record.

       Defendants, Mary Rust (''Defendant") and all other occupants of 2623 Alcott Lane, Unit A,

       Austin, Texas 78748, appeared through counsel. The Court, having reviewed the pleadings and

       considered the testimony, exhibits and all other relevant evidence, is of the opinion that Plaintiff

       is entitled to the relief sought.

                 IT IS ORDERED that Plaintiff is entitled to possession of the premises described in

       Plaintiffs Original Petition for Forcible Detainer, and have restitution, for which let writ issue, of

       the premises commonly known as 2623 Alcott Lane, Unit A, Austin, Texas 78748, and legally

       described, as:

                 LOT 2, BLOCK G, TANGELWOOD FOREST, SECTION EIGHT, A
                 SUBDIVISION IN TRAVIS COUNTY, TEXAS, ACCORDING TO THE
                 MAP OR PLAT THEREOF, RECORDED IN VOLUME 83, PAGE 213A,
                 PLAT RECORDS OF TRAVIS COUNTY, TEXAS.

                 IT IS FURTHER ORDERED that Plaintiff have and recover from Defendants

        reasonable attorney's fees at the trial court level in the amount of $\,000.00, which may be

        collected from the bond posted by defendant. if any. payable immediately        by the Clerk of the



        IUOGMENT
        H609-12 Rust                                                                 Page 1



111111111~
000956975
           1111111111111111~11111 llllllllllllllllll
Court upon presentation of this order, together with reasonable attorney's fees if the case is

unsuccessfully appealed to the Courts of Appeal in the amount of $2,000.00, reasonable

attorney's fees if the case is unsuccessfully appealed on writ of error to the Supreme Court of

Texas in the amount of $3,500.00, and if writ is granted by the Supreme Court but the appeal is

unsuccessful, reasonable attorney fees in the amount of $2,500.00.

        IT IS FURTHER ORDERED that plaintiff recover from the Defendant(s) costs of

court, for which let execution issue.

         ALL RELIEF NOT EXPRESSLY GRANTED HEREIN IS DENIED.

         SIGNED this _lli:_ day of      t\OMk          '2015.




 JUDGMENT
 H609·12 Rust                                                             Page 2




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