                                                                                ACCEPTED
                                                                             06-14-00105-cv
                                                                 SIXTH COURT OF APPEALS
                                                                       TEXARKANA, TEXAS
                                                                       4/28/2015 2:54:06 PM
                                                                           DEBBIE AUTREY
                                                                                     CLERK

                        NO. 06-14-00105-CV
__________________________________________________________________
                                                          FILED IN
                                                   6th COURT OF APPEALS
                IN THE SIXTH COURT OF APPEALS TEXARKANA, TEXAS
                       TEXARKANA, TEXAS            4/28/2015 2:54:06 PM
__________________________________________________________________
                                                       DEBBIE AUTREY
                                                           Clerk
                           PLETZE BROWN, JR.

                                 Appellant,

                                    V.

                          CITIMORTGAGE, INC.

                             Appellee.
   ____________________________________________________________

          From the County Court at Law No. 2, Dallas County, Texas
                      Trial Court No. CC-14-04645-B
                   Honorable King Fifer, Judge Presiding
   _____________________________________________________________

            BRIEF OF APPELLEE CITIMORTGAGE, INC.
__________________________________________________________________

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

ATTORNEYS FOR APPELLEE
April 28, 2015
                    IDENTITIES OF PARTIES AND COUNSEL
	  
       Pursuant to Texas Rule of Appellate Procedure 38.2(a)(1), Appellee certifies
that the following is a complete list of all parties and counsel:


1.     Appellee:                              Citimortgage, Inc.

       Represented at trial:                  Lauren Christoffel
                                              Texas State Bar No. 24065045
                                              15000 Surveyor Boulevard
                                              Addison, Texas 75001
                                              (972) 340-5343
                                              (972) 341-0734 (Facsimile)
                                              LaurenC@bdfgroup.com


       Represented on appeal by:              Mark D. Hopkins
                                              Texas State Bar No. 00793975
                                              Shelley L. Hopkins
                                              Texas State Bar No. 24036497
                                              Hopkins & Williams, PLLC
                                              12117 Bee Caves Rd., Suite 260
                                              Austin, Texas 78738
                                              (512) 600-4320 – Telephone
                                              (512) 600-4326 – Facsimile
                                              mark@hopkinswilliams.com
                                              shelley@hopkinswilliams.com

2.     Appellant:                             Pletze Brown, Jr.
                                              Pro Se Appellant
                                              2412 Poinciana Lane
                                              Dallas, Texas 75212

3.     Trial Judge:                           Hon. King Fifer
                                              County Court at Law No. 2
                                              Dallas County, Texas



                                         ii
                                        TABLE OF CONTENTS

IDENTITIES OF PARTIES AND COUNSEL .............................................. ii
TABLE OF CONTENTS ..............................................................................iii
INDEX OF AUTHORITIES ......................................................................... iv
STATEMENT OF THE CASE ...................................................................... 1
ISSUES PRESENTED ................................................................................... 2
STATEMENT OF FACTS ............................................................................. 3
SUMMARY OF THE ARGUMENT ............................................................. 4
ARGUMENT AND AUTHORITIES............................................................. 6

ISSUE NO. 1
     There Is Sufficient Evidence To Support The Trial Court’s
     Determination That Appellee Has A Superior Right To Immediate
     Possession Of The Property.................................................................. 8

ISSUE NO. 2
    Did Appellant’s Challenge To The Validity Of The Foreclosure
    Sale Of The Property Deny The Trial Court Jurisdiction To
    Proceed With The Forcible Detainer Action When The Deed Of
    Trust Created A Tenancy At Sufferance Post-Foreclosure ................. 10

ISSUE NO. 3
    As Appellee Filed Its Forcible Detainer Action A Month After
    Sending Notice To Vacate To Appellant, Did Appellee File Suit
    Within The Applicable Limitation Period Provided By Tex. Civ.
    Prac. & Rem. Code § 16.003 .............................................................. 15


CONCLUSION............................................................................................. 17
CERTIFICATE OF SERVICE ..................................................................... 18
CERTIFICATE OF COMPLIANCE ............................................................ 19
APPENDIX................................................................................................... 20




                                                           iii
                                  INDEX OF AUTHORITIES
Cases                                                                                            Page(s)

Aguero v. Ramirez,	  
  70 S.W.3d 372 (Tex. App.-Corpus Christi 2002, pet. denied) ............................. 6

Bierwirth v. Fed. Nat. Mortg. Ass’n.,
  2014 WL 902541 (Tex. App. – Austin 2014)(mem. op.)................................... 10

Black v. Washington Mut. Bank,
  318 S.W.3d 414 (Tex. App.–Houston [1st Dist.] 2010, pet. dism’d w.o.j.)......... 7

Brown v. CitiMortgage, Inc.,
  472 Fed. Appx. 302 (5th Cir. 2012) ...................................................................... 3

Clarkson v. Deutsche Bank Nat’l Trsut Co.,
  331 S.W.3d 837 (Tex. App.—Amarillo 2011, no pet) .......................................... 9

Fandy v. Lee,
 880 S.W.2d 164, (Tex. App.–El Paso 1994, no writ) ............................................ 7

Federal Home Loan Mortg. Corp. v. Pham,
  2014 WL 5034638 (Tex. App.—Houston [14th Dist.] Oct. 9, 2014, no pet.) ... 16

Fleming v. Fannie Mae,
  2010 WL 4812983 (Tex. App.—Waco 2010, no pet.) ........................................ 13

Haith v. Drake,
 596 S.W.2d 194 (Tex. App.–Houston [1st Dist.] 1980, writ ref’d n.r.e.) ........... 12

Hartzog v. Seeger Coal Co.,
 163 S.W. 1055 (Tex. Civ. App.–Dallas 1914, no writ) ....................................... 12

Home Sav. Ass’n v. Ramirez,
  600 S.W.2d 911 (Tex. Civ. App.–Corpus Christi 1980, writ ref’d n.r.e)....... 7, 11

Hong Kong Dev., Inc. v. Nguyen,
  229 S.W.3d 415 (Tex. App.–Houston [1st Dist.] 2007, no pet.) .......................... 7

                                                      iv
Hornsby v. Secretary of Veterans Affair,
 2012 WL 3525420 (Tex. App.—Dallas 2012) .................................................. 8, 9

Jaimes v. Federal Nat. Mortg. Ass’n,
   2013 WL 7809751 (Tex. App. – Austin 2013)(mem. op.) ................................. 10

Martinez v. Beasley,
  572 S.W.2d 83 (Tex. Civ. App.–Corpus Christi 1979, no writ) ........................ 12

Masaad v. Wells Fargo, N.A.,
  2015 WL 410514 (Tex. App. – Austin 2015) .................................................... 16

Mayhew v. Town of Sunnyvale,
 964 S.W.2d 922 (Tex. 1998) ................................................................................. 6

McLemore v. Pacific Southwest Bank,
 872 S.W.2d 286 (Tex.App.—Texarkana 1994, writ dism'd by agr.) .................. 14

Middleton v. Crestar Mortgage Corp.,
  2000 WL 298694 (Tex. App.—Austin 2000, no pet.) ....................................... 13

Mitchell v. Citifinancial Mortg. Co.,
 192 S.W.3d 882 (Tex. App.—Dallas 2006, no pet.) ............................................. 9

Owens-Corning Fiberglas Corp. v. Malone,
 972 S.W.2d 35 (Tex. 1998) ................................................................................... 6

Powelson v. U.S. Bank Nat'l Ass'n,
 125 S.W.3d 810 (Tex. App.—Dallas 2004, no pet.) ............................................. 9

Puentes v. Fannie Mae,
  350 S.W.3d 732 (Tex. App.—El Paso 2011, pet. dism'd) .................................. 16

Rice v. Pinney,
  51 S.W.3d 705 (Tex. App. – Dallas 2001, no pet.) .................................. 8, 11, 12

Rodriguez v. Citimortgage,
 2011 WL 182122 (Tex. App.—Austin 2011, no pet.) ........................................ 12


                                                        v
Schlichting v. Lehman Bros. Bank FSB,
  346 S.W.3d 196 (Tex. App.—Dallas 2011, no pet.). ......................................... 12

Scott v. Hewitt,
  S.W.2d 816 (Tex. 1936) ........................................................................................ 6

Shutter v. Wells Fargo Bank,
  318 S.W.3d 467 (Tex. App.—Dallas 2010, pet. dism'd w.o.j.)........................... 12

Singha v. Federal National Mortgage Association,
      2015 WL 1477930 (Tex. App.—Dallas 2015)...…………………………...11

Williams v. Bank of New York Mellon,
  315 S.W.3d 925 (Tex. App.—Dallas 2010, no pet.) .......................................... 12

Yarto v. Gilliland,
287 S.W.3d 83 (Tex. App.—Corpus Christi 2009, no pet.) ............................ 13, 14

Statutes                                                                                               Page(s)
	  
TEX. CIV. PRAC. & REM. CODE § 16.003 ............................................................. 2, 15

TEX. CIV. PRAC. & REM. CODE § 16.035(d) ............................................................ 14

TEX. CIV. PRAC. & REM. CODE §16.003(a) ............................................................. 16

TEX. CIV. PRAC. & REM. CODE §16.035 .................................................................. 15

TEX. CIV. PRAC. & REM. CODE §16.035(a) ............................................................. 15

TEX. CIV. PRAC. & REM. CODE §16.035(b) ............................................................. 14

TEX. PROP. CODE § 24.002 .................................................................................. 7, 16

TEX. PROP. CODE §24.004 ......................................................................................... 7

TEX. PROP. CODE §24.005 ......................................................................................... 7




                                                         vi
                          STATEMENT OF THE CASE

      This is an appeal by Pletze Brown, Jr. (“Appellant”) from a final summary

judgment (CR 128) entered by the County Court at Law Number Two in Dallas

County, Texas, granting CitiMortgage, Inc. ("Appellee") immediate possession of

property located at 2412 Poinciana Lane, Dallas, Texas 75212 (the "Property").

CitiMortgage purchased the Property at a foreclosure sale on October 6, 2009.

      Brown appeals the Judgment awarding CitiMortgage possession of the

property (Appendix Ex. A) on the grounds that, the underlying foreclosure sale

was invalid and that CitiMortgage did not bring its forcible detainer action within

the applicable statute of limitation.

       CitiMortgage filed a Forcible Entry and Detainer action on August 22, 2014

(CR 6-24). On September 5, 2014, the Justice Court, Precinct 5-2, Dallas County

Texas entered judgment for CitiMortgage (CR 28). On September 8, 2014, Brown

filed an appeal bond to appeal the judgment in favor of CitiMortgage. (CR 29).

      On appeal in the County Court at Law No. 2, Dallas County, Texas,

CitiMortgage filed a Motion for Summary Judgment on October 9, 2014 (CR49-

108). The court set motion to be heard by submission for November 17, 2014 (CR

109). Brown filed a Response to Summary Judgment on November 10, 2014 (CR

114 – 127). The court granted CitiMortgage’s Motion for Summary Judgment on

November 18, 2014 (CR-128).



                                        1
                            ISSUES PRESENTED


I.     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?

II.    Did Appellant’s Challenge to the Validity of the Foreclosure Sale of the
       Property Deny the Trial Court Jurisdiction to Proceed with the Forcible
       Detainer Action When the Deed of Trust Created a Tenancy at
       Sufferance Post-Foreclosure?

III.   As Appellee Filed its Forcible Detainer Action a Month After Sending
       Notice to Vacate to Appellant, Did Appellee File Suit within the
       Applicable Limitation Period Provided by Tex. Civ. Prac. & Rem. Code
       §16.003?

	  
	  




	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  
	  



                                      2
                                                                         STATEMENT OF FACTS

                 Brown executed a Deed of Trust 1 dated October 16, 2002 (CR 57-82)

(Appendix Ex. B) securing his loan of $143,313.00 from KB Home Mortgage

Company with property commonly known as 2412 Poinciana Lane, Dallas, Texas

75212 (“the Property”). The Property was foreclosed after Brown failed to pay his

residential mortgage; Appellee purchased the Property at a foreclosure sale on

October 6, 2009. (CR 83). Brown filed a district court lawsuit challenging the

foreclosure of the Property and judgment was rendered against Brown in that

lawsuit on November 10, 2011 See Pletze Brown & Jesse Brown v. CitiMortgage,

Inc., et al., Case No. 3:11-cv-01102-K, In the Northern District of Texas, Dallas

Division, affirmed on appeal by Brown v. CitiMortgage, Inc., et al.; 472 Fed.

Appx. 302 (5th Cir. 2012) .

                 After resolution of the district court lawsuit (which took considerable time)

CitiMortgage served Brown with a Notice to Vacate via certified mail. (CR 91–

98) (Appendix Ex. D). The Notice to Vacate advised Brown that if he did not

vacate the premises CitiMortgage would be filing a forcible detainer suit. Brown

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
1
                Appellant became a tenant at sufferance after foreclosure pursuant to Section 22
(“Acceleration; Remedies”) of the aforementioned Deed of Trust which reads:

                 If the Property is sold pursuant to this paragraph 22, Borrower or any person holding
                 possession of the Property through Borrower shall immediately surrender possession
                 of the Property to the purchaser at that sale. If possession is not surrendered, Borrower or
                 such person shall be a tenant at sufferance and may be removed by writ of possession or
                 other court proceeding. (Appendix Ex. B, at Section 22) (emphasis added).

                                                                                                          3
failed to vacate the Property and CitiMortgage filed a Petition for Forcible

Detainer in the Justice of the Peace Court, Precinct No. 5, Position No. 2, Dallas

County, Texas on August 22, 2014, seeking possession and costs of suit. (CR 6 -

24). On September 5, 2014, the Justice Court held a bench trial and entered

Judgment granting possession of the premises to CitiMortgage (CR 28).

       Brown appealed to the County Court at Law Number Two in Dallas County,

Texas. CitiMortgage moved for summary judgment based upon the summary

judgment evidence of the Deed of Trust creating a tenancy at sufferance post

foreclosure, the Substitute Trustee’s Deed, and the Notices to Vacate sent to

Brown. Brown filed a summary judgment response asserting that he believed the

underlying foreclosure sale was defective.    The Trial Court granted summary

judgment in favor of CitiMortgage, on November 18, 2014. (CR 128) It is from

this judgment that Brown now appeals.

	  
                     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: (1) it had purchased the Property

at a foreclosure sale, (2) that the Deed of Trust to the Property made Appellant a

tenant at sufferance after the foreclosure, (3) that Appellee demanded that


                                        4
Appellant vacate, and (4) 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.

      Jurisdiction of the Justice Court Over a Forcible Detainer.              Pro se

Appellant’s brief is somewhat unclear and confuses various legal concepts

involving foreclosure with those involving the process of eviction. Appellant

confuses “seeking possession of property” with that of “foreclosing on the

property”.      Appellant asserts that the Trial Court lacked jurisdiction over the

forcible detainer action because of supposed problems with acceleration of

Appellant’s mortgage obligation pre-foreclosure. However, it is well settled that a

forcible detainer action is cumulative, not exclusive, of other remedies that a party

may have. Even when a lawsuit is pending in a district court challenging the

validity of a foreclosure sale, a county court has jurisdiction to determine the issue

of possession to the property between the parties during the pendency of the

district court lawsuit where the deed of trust creates a tenancy at sufferance

relationship.

      Statute of Limitations on a Forcible Detainer Action is Two Years.

Appellant argues that CitiMortgage’s limitation period within which it had to

commence its forcible detainer action is calculated from the date that Appellant’s

mortgage was accelerated in 2009. Appellant is incorrect. An action for forcible



                                         5
detainer has a two-year limitations period. A cause of action for forcible detainer

accrues only after lawful demand to vacate has been properly sent to a party such

as Appellant. 	  

                         ARGUMENT AND AUTHORITIES

        I.      Standard of Review
	  
        With respect to Appellant’s assertion that the Trial Court lacked subject-

matter jurisdiction over the forcible detainer action, the Court reviews such

questions of law under the “de novo” standard of review. See Aguero v. Ramirez,

70 S.W.3d 372, 373 (Tex. App.—Corpus Christi 2002, pet.denied); Mayhew v.

Town of Sunnyvale, 964 S.W.2d 922, 928 (Tex. 1998)(subject-matter jurisdiction).

        With respect to Appellant’s objection to the summary judgment evidence,

the Court reviews a trial court’s evidentiary decisions under an abuse of discretion

standard. Owens-Corning Fiberglas Corp. v. Malone, 972 S.W.2d 35, 43, (Tex.

1998).

        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, 5l S.W.3d 705, 708 (Tex. App.—

Dallas 2001, no pet.).



                                        6
                    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

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.

                    A justice court and, on trial de novo, a county court have been given

exclusive jurisdiction to decide the merits of a forcible detainer action.2 Tex. Prop.

Code §24.004; Home Sav. Ass’n. v. Ramirez, 600 S.W.2d 911 (Tex. Civ. App. –

Corpus Christi, 1980); Rice v. Pinney, 51 S.W.3d 705 (Tex. Civ. App. – Dallas,

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
2
           The elements of a forcible detainer action are spelled out by statute. Specifically,

                    (a) A person who refuses to surrender possession of real property on demand commits a
                        forcible detainer if the person:

                                        (1) is a tenant or a subtenant willfully and without force holding over after the
                                            termination of the tenant’s right of possession;

                                        (2) is a tenant of a person who acquired possession by forcible entry.

                    (b) The demand for possession must be made in writing by a person entitled to
                        possession of the property and must comply with the requirements for notice to
                        vacate under Section 24.005.
                       TEX. PROP. CODE § 24.002



                                                                                                                            7
2001). The aforementioned jurisdiction cannot be infringed as long as the court

merely determines possession. See, Ramirez at 913.


                         III.                     ISSUE NO. 1
                         THERE IS SUFFICIENT EVIDENCE TO SUPPORT THE
                         TRIAL COURT’S DETERMINATION THAT APPELLEE HAD
                         A SUPERIOR RIGHT TO IMMEDIATE POSSESSION OF THE
                         PROPERTY.
	  
                         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.

                         The Dallas Court of Appeals, in Hornsby v. Secretary of Veterans Affairs3

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
	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
3
          2012 WL 3525420 (Tex. App.—Dallas 2012, no pet.) (mem. op.)


                                                                                                                                                           8
[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 57-82)

(Appendix Ex. “B”), (2) a substitute trustee’s deed (CR 83) (Appendix Ex. “C”),

and (3) notices to vacate sent to the tenant at sufferance (CR 92-97) (Appendix Ex.

“D”). See Hornsby at *5; Clarkson v. Deutsche Bank Nat’l 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.

      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 Appellee’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



                                        9
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 APPELLANT’S CHALLENGE OF THE VALIDITY OF
      THE FORECLOSURE SALE OF THE PROPERTY DENY THE
      TRIAL COURT JURISDICTION TO PROCEED WITH THE
      FORCIBLE DETAINER ACTION WHEN THE DEED AT
      TRUST CREATED A TENANCY AT SUFFERANCE POST-
      FORECLOSURE

      Appellant asserts that an “acceleration defect” impacting the underlying

foreclosure sale raised an issue with title to the Property sufficient to rob the Trial

Court of jurisdiction over the forcible detainer action. See Appellant’s Brief, at 2.

Specifically, Appellant asserts that since CitiMortgage accelerated the underlying

mortgage note in 2009, that CitiMortgage is prohibited from attempting to take

possession of the Property in 2014 by way of the forcible detainer action. As

Appellant has challenged the subject matter jurisdiction of the Trial Court

CitiMortgage appreciates Appellant’s argument to be that the Trial Court was



                                        10
precluded from determining the issue of possession without first determining the

issue of title.

                 Less than one month ago the Dallas Court of Appeals Court issued a

memorandum opinion in Singha v. Federal National Mortgage Association; Case

No. 05-13-01518-CV, that literally could be cut and pasted into this case. In

Singha, the appellant argued that because the lender breached the deed of trust the

foreclosure sale was invalid. As such, the “case involves a question of title, the

trial court lacked subject matter jurisdiction to enter a judgment.” Singha at 5.

The appellant therein went on to assert, “that the issues of title to the property and

possession of the property are so inseparable that it is unreasonable to determine

possession without first determining who holds its title.” Id.

                 The Singha court set out very clearly that,

                 A justice court or county court of law is not deprived of jurisdiction in
                 a forcible detainer lawsuit merely because of the existence of a title
                 dispute. Id. at 712. In fact, in most cases the right to immediate
                 possession can be determined separately from the right to title. Id. at
                 710 (legislature contemplated concurrent actions in the district and
                 justice courts to resolve issue of title and immediate possession in
                 cases challenging the validity of a trustee deed)4. The trial court is
	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
4
           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. Rice v. Pinney, 5l S.W.3d 705, 708 (Tex.
App.—Dallas 2001, no pet.); Home Sav. Ass’n v. Ramirez, 600 S.W.2d 911, 913 (Tex. Civ.
App.–Corpus Christi 1980, writ ref’d 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 v. Hewitt, S.W.2d 816, 818-19 (Tex. 1936); Rice, 51
S.W.2d at 708. Thus, forcible detainer actions in justice court may be brought and prosecuted

                                                                                                        11
                                                      only deprived of jurisdiction if the determination of the right to
                                                      immediate possession necessarily requires the resolution of a title
                                                      dispute. Id. at 712; Schlichting v. Lehman Bros. Bank FSB, 346
                                                      S.W.3d 196, 199 (Tex. App.—Dallas 2011, no pet.).

Singha at 5-6. The Court went on to articulate that the foreclosure of property

pursuant to the deed of trust created a landlord and tenant-at-sufferance

relationship between the parties and it was not necessary for the trial court to

resolve the title dispute in order to determine the right of immediate possession.

Id.; relying on Rice v. Pinney, 51 S.W.3d 705 (Tex. App. – Dallas 2001, no pet.).

                                                      The Dallas Court of Appeals’ reasoning in Singha is in line with numerous

other Texas appellate courts, which have held that an appellant is barred from

attacking a foreclosure sale purchaser’s title within a forcible detainer action. See

e.g., 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 of New 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. h.) (mem.

op.) (same); Middleton v. Crestar Mortgage Corp., 2000 WL 298694, *4 (Tex.

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
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 ref’d 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.)(mem. op.).



                                                                                                                                                                                                                                                                                                                                           12
    App.—Austin 2000, no pet.) (mem. op.) (same).

                       The Singha court echo’s the San Antonio Court of Appeals (in Dormandy v.

    Dinero Land & Cattle Co.5) and the Corpus Christi Court of Appeals (in Yarto v.

    Gilliland6) in providing that where a deed of trust creates a tenancy at sufferance

    relationship post-foreclosure, that relationship alone provides a basis for

    determining possession without addressing the issue of title.

                       Even if Appellant’s “title dispute” were examined on its merits, Apellant’s

    legal argument is patently ineffective to establish his basis for title ownership in

    the Property.7 Acceleration of the debt (as stated by Appellant within his brief) was


    	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
5
        The San Antonio Court of Appeals in Dormady v. Dinero Land & Cattle Co. stated,

                       That is not the situation in this case where a landlord-tenant relationship is
                       established in the original deed of trust. The landlord-tenant relationship provides
                       a basis for determining the right to immediate possession without resolving the
                       ultimate issue of title to the property. In short Dormady has the right to sue in
                       district court to determine if the trustee’s deed should be cancelled…independent
                       of the trial court’s determination in the forcible detainer action that [purchaser at
                       foreclosure sale] is entitled to immediate possession. Dormady v. Dinero Land &
                       Cattle Co. held, “ L.C., 61 S.W.3d 555 (Tex. App.—San Antonio 2001, pet.
                       dism’d).
    6
        In Yarto v. Gilliland, the Corpus Christi Court of Appeals provided,

                       In most situations, the parties in a forcible detainer suit are in a landlord-tenant
                       relationship. One indication that a justice court, and county court on appeal, is
                       called on to adjudicate title to real estate in a forcible detainer case – and, thus
                       exceed its jurisdiction, is when a landlord-tenant relationship is lacking. Yarto v.
                       Gilliland, 287 S.W.3d 83, 89 (Tex. App.—Corpus Christi 2009, no pet.).
    7
      An asserted basis for title ownership that is patently ineffective under the law does not raise the
    type of “title dispute” that would call the county court’s jurisdiction into question in a forcible
    detainer action. See generally, Yarto v. Gilliland, 287 S.W.3d 83, 93 (Tex. App.—Corpus
    Christi 2009, no pet.).

                                                                                                                            13
on August 28, 2009. See, Appellant’s Brief at 2. Under Texas law, a sale of real

property under a power of sale in a mortgage or deed of trust that creates a real-

property lien must be made not later than four years after the day the cause of

action accrues. Tex. Civ. Prac. & Rem. Code §16.035(b); McLemore v. Pacific

Southwest Bank, 872 S.W.2d 286, 292 (Tex.App.—Texarkana 1994, writ dism'd by

agr.). When this four-year period expires, the real-property lien and the power of

sale to enforce the lien become void. Tex. Civ. Prac. & Rem. Code § 16.035(d).

Per Appellant’s brief the debt herein was accelerated on August 28, 2009 and

foreclosure sale conducted October 6, 2009, clearly inside the four-year statute of

limitations. See, Appellant’s Brief at 8.

                                                      At the end of the analysis, Appellant failed to produce any specific evidence

of a valid title dispute that would have deprived the Trial Court of jurisdiction.

The foreclosure sale occurred within four years of the mortgagee accelerating the

debt and Appellant has stated no other challenge to the foreclosure sale within his

briefing. There simply is no evidence that title and possession are so intertwined

as to deprive the Trial Court of jurisdiction because a landlord-tenant at sufferance

relationship exists between Appellant and Appellee that provides a basis for

determining possession without addressing the issue of title.




	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  



                                                                                                                                                                                                                                                                                                                                           14
       V.    ISSUE NO. 3
       AS APPELLEE FILED ITS FORCIBLE DETAINER ACTION A
       MONTH AFTER SENDING NOTICE TO VACATE TO
       APPELLANT, DID APPELLEE FILE SUIT WITHIN THE
       APPLICABLE LIMITATION PERIOD PROVIDED BY TEX.
       CIV. PRAC. & REM. CODE § 16.003?
	  
       Appellant asserts that CitiMortgage is barred by limitations from bringing

this forcible detainer action. In reaching his flawed conclusion, Appellant cites the

date his underlying mortgage note was accelerated, and he combines that date with

the statute of limitation within Tex. Civ. Prac. & Rem. Code §16.035 which

addresses that, “A person must bring suit for … the foreclosure of a real property

lien not later than four years after the day the cause of action accrues.” Tex. Civ.

Prac. & Rem. Code §16.035(a) (emp. added). Based upon the facts as presented by

Appellant, the mortagee did in fact foreclose within four years of acceleration of

the debt. (acceleration on August 28, 2009 and the foreclosure completed months

later in October, 2009).

       What Appellant fails to recognize is that a suit for forcible detainer is a

different action than one seeking foreclosure.        Simply because CitiMortgage

purchased the Property at foreclosure sale in 2009 does not in any way prohibit

CitiMortgage from waiting to send a lawful demand to vacate (in this case until

after a district court lawsuit challenging the foreclosure sale was resolved).




                                        15
      A forcible detainer action is a statutory creature and a cause of action for

forcible detainer accrues after lawful demand to vacate is sent to a tenant. The

statute of limitations on an action for forcible detainer is two years. See Tex. Civ.

Prac. & Rem. Code §16.003(a). For a suit to be timely filed, it must be brought

within two years from the date on which the cause of action accrues. Id.

      The Texas Property Code §24.002 provides that a forcible detainer is

committed when a person refuses to surrender possession of real property on

demand and each refusal to surrender possession of real property on written

demand for possession constitutes a new forcible detainer.        Masaad v. Wells

Fargo, N.A.; 2015WL410514 (Tex. App. – Austin 2015); also See Federal Home

Loan Mortg. Corp. v. Pham, No. 14–13–00109–CV, 2014 WL 5034638, at *5

(Tex. App.—Houston [14th Dist.] Oct. 9, 2014, no pet.) (new and independent

cause of action for forcible detainer arises each time person refuses to surrender

real property after person entitled to possession delivers proper written notice to

vacate); Puentes v. Fannie Mae, 350 S.W.3d 732, 739 (Tex. App.—El Paso 2011,

pet. dism'd) (subsequent forcible-detainer action constitutes new and independent

action to determine which party had superior right of immediate possession at time

suit was filed).

      In the present matter, the cause of action accrued at the time in which

Appellant refused to vacate the property after lawful demand to vacate on October



                                       16
21, 2013 and the forcible detainer action was timely filed on September 11, 2014.

(CR 8-34).


                                  CONCLUSION
	  
       For these reasons, Appellee, CitiMortgage Inc., respectfully requests that

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

requests any other relief to which it may be entitled.




                                        Respectfully submitted,

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

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

                                        ATTORNEYS FOR APPELLEE




	  
	  




                                        17
                        CERTIFICATE OF SERVICE

      I hereby certify that Appellee's Brief for Cause No. 06-14-00105-CV has
been forwarded to the following via certified mail, return receipt requested and
regular U.S. mail on this 28th day of April 2015:


       Via regular U.S. mail
       and CMRRR# 7012 1640 0001 7114 6357
       Pletze Brown Jr.
       2412 Poniciana Lane
       Dallas, Texas 75212

       PRO SE APPELLANT


                                                  /s/ Mark D. Hopkins
                                                 Mark D. Hopkins




	  
	  
	  
	  
	  
	  




                                     18
                    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: 2,935 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-
      TATION IN COMPLETING THIS CERTIFICATE, OR CIRCUMVEN-
      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.


                                                 /s/ Mark D. Hopkins
                                                Mark D. Hopkins




                                    19
                        APPENDIX

Exhibit “A”:   Judgment of Possession dated November 18, 2014

Exhibit “B”:   Deed of Trust dated October 16, 2002

Exhibit “C”:   Substitute Trustee’s Deed dated October 6, 2009

Exhibit “D”    Notices to Vacate dated August 13, 2014




                           20
    Exhibit ''A''
 Judgment of Possession
dated November 18, 2014
                                    CAUSE NO. CC-14-04645-B

  CITIMORTGAGE, INC.                                       §        IN THE COUNTY COURT
                                                           §
                                                           §
                                                           §
  ~                                                        §        AT LAW N0.2
                                                           §
  PLETZE BROWN, JR. AND ALL OTHER                          §
  OCCUPANTS OF 2412 POINCIANA LANE                         §
  DALLAS, TEXAS 75212                                      §        DALLAS COUNTY, TEXAS

                                      SUMMARY JUDGMENT

           On this date, the Court heard Plaintiff's Motion for Summary Judgment.                        After

  considering the pleadings, Motion, response, reply and evidence on file, it is the opinion of the

  Court that Plaintiff's Motion should be granted.

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

  Plaintiff's Original Petition for Forcible Detainer, and have restitution, for which let writ issue, of

  the premises commonly known as 2412 Poinciana Lane, Dallas, Texas 75212, and legally

  described, as:

           BEINGLOT22,BLOCKGG,AMENDEDPIATGREENLEAFVH.LAGEPHASEONE,AN
           ADDIDONJOTHECIIYOFDAUAS, TEXAS,ACCORDINGTOTHEMAPORSAID
           ADDffJONASRECORDEDINVOLUME2002144,PAGE1586,MAPREmRDSOFDAILAS
           COUNIY,1EXAS.
                   <f!; --=-- \ .J v.J.,,,,._-- ~ ~ d··.,... ~ s-« ,- .:P.Q-- .....,...l ~
 --n:;:;..- : .,. .-. . .
(;t-1' '·~-s"ALL""-""'d.
      "'                 ~\\ .:::J.~a..• N\.~ ~            ~~-41--. ~
                                                               :
                 RELIEF NOT EXPRESSLY GRANTED HEREIN IS DEN"'::!D.
                                                                   $"   tl'\,4......,   .....
                                                                                                                 c_:./

                                           ~~'                                ·~
            SIGNED this     I cg' day of
                                                                   fA
                                                               ,2014.

                                                                                                ~~

                                                     cc -14-04846-8
                                                     CSJD
                                                     ORDER - SUMMARY JUDGMENT
                                                     698783                                          Page 128



                                                     ~\l
                                                                                                Page l

                                                                            Ill\
  Exhibit ''B''
    Deed of Trust
dated October 16, 2002
     .. ·;.·.-

     (.

                 Return To:
 /               K8 HOME Mortgage Coapany
                                                                                                                               2052548
9                7660 South Industrial Nl018
                 Las Vegas, NV 89139
                 Attn: Investor Compliance
                                                                                                               10/3!102
                                                                                                           Deed of hust
                                                                                                                           3533713           tSS.OO


                 PrCilllrCd By:
                 KB HOKE Mortgage Company
                 4800 Fredericksburg Road
                 San Antonio, TX 78229


                 Order No. 02-5562
                                                                 ISp1ct Abon Thl1   Un~ }~or   1tuordlftJ: D a t a l - - - - - - - - -
                 Escrow No. 02-5562                                                                               12400DU63
                                                                   DEED OF TRUST
                                                                                                     ~UN   100072112400046631
                 NOTICE: THIS LOAN IS NOT ASSUMABLE
                 WITHOUT THE APPROVAL OF THE DEPARTMENT
                 OF VETERANS AFFAIRS OR ITS AUTHORIZED
                                            VA Case No.
                 AGENT.                    LH-49-49-6-943752
                 DEFINITIONS

                 Words u!Cd in multiple ~lions ur lhis document are defined below and otltcr wmds arc d.:fincd in Sections
                 3. II, 13, HI. 20 and 21. Ccnain rulc.1 regarding the usage or word!< used in litis document me also provitled                       ·:·::
                 in Section 16.

                 (A) "Srcurity lnstrumtnt" mwns lhis ducwnem, whirh is wut:d October 16, 2002
                 wgclher with all Riders 10 this docurncm.
                                                                                                                                                      ~:.
                 (8) "Burrower" is                                                                                                                    .   ~

                 PletEe Drown JR. and
                 Jessie Brown, Husband and Wife




                 BomJwcr i.< the grlllllnr under this Sccurlt~· Instrument.
                 (C)"!.onder" is ltB HOME Mortgage Co-.pany

                 l.<:ll(lcr   i.~   a corporation
                 organi1~d          and c~i.!lting llndcr dtc Jaws ur the state of Illinois



                 TEXAS·Singlo Farr.llt·F•nnlo llaelfteddlellcc UNIFORM INSTRUMENT WITH IIERS                                Form 3044 1101                ·,.,

                                                               ~-~--
                                                               ·--~'-P
                 PJ~t   I cl HI                  tJ:ttt.. li

                                                                                                                  11111111
                                                                l1P2 I 3 0 4 8 6 9
~-:"""""'....-..:"'...,...._.~---=-----------·--"""
                                                                                   LOAN ft 1240004663
                                                                                   MIN 100072112400046631
L~n~cr's ~<!dress i:;   21650 oxnard Street, Thi~d Floor
                        ~oodland Hills, CA 91367
LA'nd~r indudc.< :my llnl~~r of the Nt!tc who i~ cntitkd I<> r-:<:ci\'C paynornl~ under the Noh~.
!OJ "Trustee" is Victor Toledo,

4800 Predricksburg Road, San Antonio, TX                              78~29

(F.) "MERS" is Mortgage Elocuonic R~gosU:ttiun Syst\lms, Inc. MliRS i< a ~p:1ra1~ cnllJ<>nllirm ih:u is
acting solei)' a< a nnmincc for Lender ami lcnder's succc.<.wrs :md lL<Sogns. M~:RS l< a beneroc:iary undu
thi< Srrurity Instrument. MERS is organi1.cd aml c>.i<ling under tho Ia\\·~ crf Delaware, an~ has an :\dclres.<
an<ltelcphune number uf P.O. Rnx 2016, Aim. Ml48~01-2026,tcl. (8K!!) ti19-!11ERS.
(I') "Not"" mc<UlS the prornis:;ory note signed h)' Bonowcr and dated october 16, 2002
The Note stale.< that Bonow~r owes Lcndtr
ONB HUNDRED FORTY THRBB THOUSAND THREE RUJIDRIW THIRTB&:N rr 00/100                                           ()ollars
(U.S. S        14 3 • l l3 • 00      ) 11lus interest. Bunowcr ha.< 11r.omiscd to !>a)' lhis debt in reguk~r Periodk
Payments and to pa)'t.lle debt in rull JIOlltotcr lhan Hovamber brat, 21132                    .
(Gl "Property" mCM~s the J•ropcrly that is dc.scn'bcd below under the heading 'Tmnsli:r of Right~ in !he
f'ro[>Crl)'."
(U) "Loan" means lhe debt evidenced by d1e Noll:, plus imcrco;l,   all)' f>repaymcnt ctlarg.:.s 1111<1 la~e ctmrgcs
due under the Note, and nil sums due under this Security lnstrum~nl, plus intcrcsL
(I) "Ridors" means all Riders to thi$ Security ln>1rumcnt lloat o.rc .,,,,xut<.'d by Borrower. The fnllowing
Riders arc to be executed by Borrnwer Icheck box lL~ applicable]:

D
0
   Adju,'Uiblc Rate Rider
   Balloon Rider
                               0    Condominium Rider
                               [!] Planned llnil Dcvclnpmcnt Rider
                                                                              B   Sc'l.'\md Umne Rilkr
                                                                                  I-I Family Rider
[!]VA Rider                    D     Biweekly Pa)Tncnt Rider                  (_~ Othcr(s) [sJX-cify]
                     Notice of No Oral Agreements
 Texas Veteran Land Board Deed of Trust Rider
(J) "Applicabk Law" 111~               all controlling applicable fcdcrnl, ~late and h!Cal statutes, regulations.
ordinances and admini.<llalivc rules and ord~rs (that have !he cfk-.:1 ur law) as well a.< all applicable final.
non-appealabl~ judicial opinions.
(K) "Community Association Due.~. Fees, and A!.-mr.nls" mc:ms all dues, fees, aiS<'s.<mcms and other
charge.~ that arc impo~ed on Borrower or the Property by a con!lonoiniurn IL<sociatiun, homeowners
as.<;Q<:ialion or similar organization.
(L) "to:Jectronk: Funds Transfpr" nWllllS any transfer of funds. odoer than a tmnsocliun originated by ctl<'Ck,
dm/1, or similar paper insuunlcnt. which is initiat<d through llll electronic wrminal. tclcrhonk instrument,
computer, or magnetic 13pe :;o as IIJ ord.:r. insiiUcl, or authmuc a finandal institution 10 debit or credit an
account. Such tcm1 inl:lude.<. bu. is nut limited 10, point-of-sale IJIUlsfcrs, muomatcd teller mll'hinc
transoction.~. trdiiSfers initiated by telephone, wire uansfcrs, w1d autmnau~l clcuringhou!<C uansfers.
(Ml "Esuu,.· llrms" means d1os.: items that nrc dc.<enbcd in Scttion 3.
(N) "Ml'l«llanenusl'roc~" mc.ans any compenJiation, sctdcmcnl, award ofd;una~c.\, or JlrOCccds pai<l hy
any l11ird party (other lhllll inSlonlltcc pn>c:~-eds paid under !.he cov~mg..:J~ dt!S<:ribcd in Section 5) for: (i)
damage to, or destruction ol. the. Property; (ii) comlemnatiun or other !liking of all or lillY 11an nf the Properly;
(iii) conveyance in lieu of colltlcrnnation; or (iv) rnisrcprcscnllltinns of. or urnissinns as '"· the value and/m
condition of the Pr<'fk!riY.
(0) "Murlg~grlnsur"nce" mCOII\S ihsunuoee protC<:ting Lender a;:ainst tJt,, nonpaytncntol,or dafnull on, th~
Lo:tn.




                                                      Pa;t2ot   tt.
                                                                                ....... P89!§        Form 3044 liOI




                                                                                                                         Page 58
                                                                                                    LOAN H 1240004663
                                                                                                    MIN 100072112t00046631
                iP) "Puiodit Payment" Jn.!all~ the rcgul~rly sch~dul.:.l illllnunl due lor (i) princi)l:ll and intenl<il u11dor ll1c
                Note, )llus (ii) nny amount< under S<'Ciion) <If litis Se~:urhy lnstrum~ni-
                IQ) "RF.'ii'A" mcam d1e Real l'_<tllc Scnlcment f'roco:-durc$ Act (ll U.S.C. Section ?.601 ci s..-q.) nnd iL<
                imtll~menling rcgol3tion, Rcgul:~lion X (24 CF.R. ntrt 35()(1), a~ UIC)' might be amended (rom lime 111 time.
                or any addilinoal or ~-uc,cssor lcgi:ilation or regnlauun that governs the same subj(t1 maucr. A~ u.s..'tlm this
                Security Instrument, "RESPA" refers 10 all re<IUirements and rcstricuons that arc imp<1scd in regard
                1o a "fcdcnllly rdaletl mortgage loan" even if the Lmu• dues not qualify as a -federally r~late!l mtmgagc klan"
                under RE.SPA.
                (RI "SuccHSOr in lnterHI of borrnwrr" means any p:uty tlml ha< rakcn title 10 d1c Propeny, whclh~r or nul
                that party has ao;sumed Borrower's ubligation~ under the Note and/or Llris S<<--.Jrity ln~Lrumcnt.

                'll(ANSFER OF RIGHTS IN TIUS PROPER"n'
                The bl:ncfiCiar)· or d1is Sa:urit)' lnstn11nen1 is MERS (sold)· u.~ nomine<! for l.entlcr anti
                Lemler's suctcssors anti Ll~~igns) and lb~ SLK'Ccssor.> and tl.'l.~igns of fliERS. ·nti5 Security
                lnslnlmcn~ secures 111 Lender: (i} the rcpayme.nl ur the Loan, and ull rcnc.wnls, cxtcnsions ;md
                modifications of the Note: ami (ii) the 11e1fmmanc~ nr Borrower's co,·cnanL• and ugrocmcnt• under
                this Security Instrument and lhe Note. l'or this puq~I!<C. Bo:rowcr irrcvO(ably gr.mL' and conveys
                10 Trustee, in uust. wilh power of sale, the following dc,~eribcd prop<:n)' located i11 the
                Count.y                                                    of    Dallas
                              ITn>c of llc<lmlin1 J•ri•diciiOill                            ll'it.mt clll<<Ordln' lulir<litiJDill
                I/IBlllG LOT 22, BLOCK 00, AHBNDBD PLAT GRBBNI.BAP VlLW.GB PHASB ONB, AK ADDITION
                TO THII: CITY OP DALLAS, TRDS, ACCORDING TO THB IV.P OP SAID ADDITION AS
                RKCORDBD IN VOLl.IMB 20021-H, PAGE 1585, MAP RECORDS OP DALLI\S COUNTY, 'l'BXAS.




                Parcel ID Numb.!r: 00-17350·000·022-0000                                              which currently hn.• d1e w.ldr~ or
                2(12 Poinciana Lane                                                                                                    tSuccll
                Dalla~                                                                                              75212           lZipt"od<J
                rPropcny Addrtss"i:
                       TOGETHER WITH ~II 1111: IDlpruvemcniS now or 11\'roaftcr crct:tcd on ~ proJ-.ert~·. und all =m~n'-".
                appurteMn~.       anti fixture.~ DO\\" or b..Ycafl!:r a JWI o( the J!fllflCftY. All rcplaccmcllls and arltlilions ;hall at"'
                be C:OI'"red hy this Steurity ltlqltumcnt. All of tile foregoing i~ referred II) in this Security ln~UtiRICfJLll.• dte
                'Ptupcny." BIJITowct understands und agree.~ Utat MERS hold.~ only lc~allillc to tl;c intac~t~ gr;w!Cd by
                Borrower h1 Ibis Security Instrument. but. if ncr<:S:~Qty to COinJIIy with law or ~uMum. MERS (a.' nominee lor
                Lender 1111d Lcntkr"s.sm:ccssors anti a:>Signs) b11.• lh~: righl: to cxert·ise any or all of tMse inter~.'!~:!. including,
                but not limi!OO 1.0, die rigbt to lorll!'l!l~ and sell t11e l'r•rpcrty; and to take :111y actitm ret;\lirtd of Lender
                inclllliing, but nat limned w, rclca~ing and c:~~~~:dittG lin..• Sl'l:ulll}' lnstrun,~m.


                                                                                                ' ·~· · F6 9!?              Form 3044 1101




                                                                   !ir''2 13 0 l~ 3 7 I                                                          Page 59
~~[tt     .. DJ.J>(f't"... .-~--· ..·:---~--.-~"..- - . . . ..-
        '-.
                                                                                   LOAN U 1240004663
                                                                                   MIN 100072112400046631
                         BORROWER COVENANTS thai Uotruwer is lawfull)' ~~iscd of !he c~UII~ hereby conveyed and has
                    the right to grJnt and cu1wey the l'lopen)' :llld that 111~ l'lnpeny is uncncumoo.:d. cxcc111 ft>r cn~mnbruncc.s of
                    nx·urd. Uum>wcr warr~niS and will <ldcnd generally lh~ lille 10 U•~ Prupcny against all claims :uul demand~.
                    subject to any encumbrance.~ of n.-cmd.
                          nus SECURITY INS'TRUMENT combines nnifonn Cll\'cnant' for national usc and non-unifomc
                    covenant< wilh limited ~ari;ninns hy jurisdiction 1o constinnc n unifonn s..-curity ins1rumcm covering real
                    11ropcny.
                           UNIFORM COVENANTS. Borrower and U>lldcr covenant :md agree as follows:
                           I. Payment nr Prlnripal, Interest, R.~w Item.•, Prepayment Char~... nnd Late Chargi'S.
                    Borrower shull pay when du.: !he principal of, and imercst on, !he debt e\•idenced by the Nmc and any
                    11rcpayment charge.~ :111d late charges due under lhc Note. Bcmowcr shall also pa)' funds ior E..o;crow Items
                    pur~u:u1t 10 Section 3. Paymc11t~ due under !he Note and litis Security lnsuumcnt shall be made in U.S.
                    currency. Hnwe\·cr, if WI)' check or other instnmlcllt received by Lc.ndcr a.• p~ymcnt under lite NoiC or lhis
                    Security ln.~uumcnt ;_, returned w Lemler unpaid, Lender may require that any or all subscctllr.nt payment•
                    due und.:r lite Note and lhl< Sccnrity ln.<lnlnlcnt be made in one or more of lhc following form~. a.• s;:locled
                    by l..crulcr: (a) ca.•h: (b) money order: (c) ccrlificd chock, bnnk chock, IICa.~urcr·s check or ca.~hi~r·~ check,
                    Plll\'idcd any such chock is drawn upon an institulion who.<e deposit< are insured by a federal agency,
                    inslrUmcnl.alil)", or entity; or (d) El~~uonic Funds Transfer.
                           Payments arc clccm•·d received hy Lender when r.-:cr.ivcd at 11ic locatiun dcsignatcd in the Nu1r. or a1
                    such mher location a.< may be de~ignatcd hy Lender in accordance with the notice 11rovl,ions in Section 15.
                    Lender mny return any payment or partial payment if !he payment or partial pa)lnenl< are insufficient 1o bring
                    lite loan currcnL Lender may acl~pt any payment or partial p-o~ymcnl insufficient to brin~ the IA~an current.
                    willtoul wah· a of any righiS heNutldL'r or prejudice 10 its rig hiS 11> refuse sue II payment or partial payments in
                    the fuiUre. but Lender is not obligated to apply sud• payments allhc time such payment• arc IICL"Cpted. If each
                    Periodic Payment is applied as of iiS sch•'dulcd due elate, then Lender ncccl nut r•ay inlercsl on unapplied
                    funds. Lenclcr may bold ~11ch unapplied funds until Borrower make~ payment 1o bring lhe Loan currcnl If
                    Borrower docs not do so wilhin a rca.unnble period of time, tender shall cilher apply such fund~ or rcmm
                    lhcm lo Borrower. If not applied earlier, such funcl~ will br. applied tn lite out~[;Jnding 1•rincipal balance under
                    the Note immediately 11rior 11> foreclosure. No offsel or claim which Borrower might have now or in !he
                    future ag.uinst U>lldtr shall relie\'C Borrower from making payments due under the No1c and !his Security
                    Instrument or perfomling the covcll311ts and agreements secured by lhis Security ln.~uumcnl
                           2. Applkation or Pa)ments or Proctteb. Eltcepl iiS olhcrwise described in lhl\ Section 2. all payment~
                    accepted and applied by l.cndc~ shall be applie-d in the following order or 11rinrily: (a} inlclCst due under ""'
                    Note: (b) principal due under the Note; (c) amount~ due under Se~:ticm 3. Such payments shall he applied to
                    each Periodic Payment in !he order in which it bo::ame due. Any remaining amount< shall be applied rust 10
                    late charges, second to any other amounts due undC!I' !his St'Oirity Instrument, and lhcn to reduce lhe principal
                    balance or tlle Note.
                           If U>lldcr receives a 11ayment from Borrower for a dclin•JUent Periodic Payment which includes a
                    suffiCient wnouni!O pay any late charge due, the )Kiywcnl may be applied 10 the delinquent payment and lhe
                    late charge. If more !han one Periodic Payment ;_, outs[;Jnding, Lender may apply any paymem received from
                    Borrow~r 10 die repayment of lhe Periodic !'-dymcnt~ if, lUld 10 !he CXICntlhut, coch payment can be r.aid in
                    full. To the extent that nny cxccs.s exists af1cr lhe paymcru is applied 10 the full pnymcnl of one or more
                    Pe~iodic Payments, such exce...s may be applied to any late charges due. Volunwy prcpaymenl~ shall be
                    applied lirsl to any prepa)·mem charge.~ and th~n as de.;cribcd in !he No ~e.
                           Any liJlplicatiun of payments. insur.m~e proceeds, or Mistcllancous Prucccd~ to principal du" under lhe
                    Nou: sll.all not extend or JlOSlllOnc d.e clue date, or change tl1e amount, ur lhc Pcriodi.: Puymcnt<.
                           3. Funds r"r Escruw ltc.ms. Borrower shall pay to l.<!11der on lhc day P.,.-iodic P.•ymcnts are due und~r
                    lite Note. untlllh" Note is paid in full. a sum (the "funds·) 10 prn~·idc for payment or wno~nL~ clue for: (a)
                    lnXC> and :WCSSIDC'nts :ind olher items which can auain priori!)' o"cr ll1i~ Security lnsuumcnt as " lic.11 or
                    encumbrance on the Properly; (b) lca:1chold payments or ground rent< on !he l'loiX>ny, if any: (c) premiums
                     for DIIY IUid all in.,-umrtce rq1uiwl by lf..ndcr under Section S; and (d) Mongagc ln)'Umrtcc premiums. if any.
                    or any sums payable by Borrower 10 l..tndcr in lieu or lite payment of Mongage Insumnce premiums in
                    accordance willt the provisions ol Section 10. These items ate called "Escrow lt~nt..'-" At origination oral any
                     time during !he term of lhc l.oan, Lender lllilY require !hal Cunununily A.~·iiltion Due.s, F~. and
                     AsS(.~Cnts, if any, be es.:rowcd by Borrower, and such dur.J;, fl'CS and U)l!lCS.~nlCIIt< shall be an F.snnw




                                                                                     . . . . . . Qt   11.                                                               Fo1m 3044 1101




                                                                                                                                                                                                                                                                       Page 60
"· ·'t*'·'   ',
                  ~-~~   . . . -.. . . .   ~--~--~--   . .-·-·.   ----~-------~-   . . . . ._.,. .,. . . ., . ,. .
                                                                                                                 :--r-.. - ....... - -•. - .......- ••. ~-' .- .......... ~....,.,~J   .,..........:--•"--·"~......,. . ----:-·•1$-.' ... ,..._...,_...,..-., .•..••
                                                                                                                                            LOAN 8 1240004663
                                                                                                                                            MIN 100072112400046631
                    Item. llmmwer shall prumpdy furnish 10 l.~ndcr ull notice.~ of anmllnL~ 10 he pai~ under Ulis Section.
                    Bonuwcr .:<hall tta)' l..."Jldcr the Funds for li.«:R>I\' Items unless Lender w:~ivcs Borrower's obligation m pay
                    dtc l'und, fur any or alll~~erol\' hem.~. Lender nllly waive Borrower's obligation to pay 111 Ltndcr Fullil• for
                    M)' or all ~row hems nt anr lirnc. Any such w;Uvcr m:1y on I)' be in writing. In d~ event of such w-.Uver,
                    Borrower shall pny diroctly. when and whcr~ payable. lhc amounts due Cor any b,"Crow Items for which
                    payment of Funds ha.~ been wa~vcd by Lcmk'r an~. if l.cn<Jcr rc'Juircs, :<hall luml~h to Lender reccipl~
                    evidencing SUL'h pa)'lllcnt within such time 11eriod as Lender may r~:<tultc. Borru...·cr's obligation to make such
                    payments ond 10 pmvide rcceipiS shall for aU purposes be dterncd to be a co••cnnnt and :lgn:emcnt contained
                    in !his Socurity Instrument, a.~ lhc phmsc ·co,·cnant and agrument" I~ u:<ed in Section 9. If Borrower is
                    obligate<~ to puy R~row hern5 dirccd)·, pursu:unto a waiver, Md Borrowe.r fails to pay !be runounl due for""
                    Escrow Item, L.:ndcr rna)' exercise iL~ rights under Sec lion 9 ami pay such nmounl ami flonuwcr shall !hen be
                    obligau:d under Section 9 to repay 111 tender aR)' such amounL lender may revoke lhc waiver as to any or oil
                    E..'itmw u.~ms nt any time by a notice gl~cn in I!CCilrtldncc wilh Section IS llll~. upun such rc\'ocation,
                    Bomn~w shall pay ID under all Funds, and in >'UCh arnounL•,Ihlll nrtlhcn required under d1is Section 3.
                           Lemler 1'1111)', at any time, collc.ct nnd l1nld Funds in an amount (a) ruffki~nt to pcrrnill..cndcr to apply
                    lhc Funds at the time s~ificd under RESPA, and (b) not 1.0 c~cccd the maximum amount n lender CIVI
                    n:quirc un~er RESPA. tender shalt c.~'limale U1e lllllUunt of Funds due on the hasl~ or ~'Urrcnt dala and
                    rca.sonablc c.•timau:.s of expenditures of future E.~row Items or o!hctwise in :~~xordancc with Applicable Law.
                           The Funds shall be held in an institution whose deposits we insured by a federal ggcncy, instrumcmalily,
                    or entity (including Lender, ir Lender is au insututinn who50 depo.~its are ro insured I or in any Fooctal Hom~
                    loan Hank. tender shall apply lhe Funds ID Jlay lllc E:;crow IU!ms no lnl~ !ban lhc time spo:cilicd under
                    RESPA. Lender >hall not charge Borrower for holding and applying U1c Funds, annually analyting the
                    escrow account, or \'erifying the Escrow Items, unl~ lender pays Borrower inlcre!ll 110 the Fund~ and
                    .1\pplicablc luw permits Lender lo make such a chill~ Unless nn ngrccmcnt is made in writing or Applicuble
                    La"· n:quire.~ int.."''est 10 be paid on lite Funds. tender shallmll be required to pay Borrower any in!.Crest or
                    earnings un the Funds. Borrower and Lender can agree in writing, howe\'er, thutln~rest shall be paid on the
                    Funds. Lender shall gh'C to Borrower, ..·ilhout charge, an annual accounting of the Fonds as required by
                    RESPA.
                           If th.-.c is a surpl115 of Funds held in c,'lerow, a.• defined under RESPA, Lender shall account 111
                    Borrower for the a~ funds in accordance wilh RESPA. If there is a shorllige of Fun~.~ held in c.~row, as
                    defined under RESPA, Lender shall notify Bonowcr M r~tllircd by RF.SPA, and Borrowc: shall pa)· 111
                    Lender the mnount nm:ss:llY 1.0 make up lhe shortage in 1\CC(lldante with RESPA, but in no more 111311 12
                    monlbly paymcms. 1£ wrc is a dclidcrtcy of Funds held in csaow, a.~ defined under RESPA, Lender shall
                    notify Borrower a.~ rcquilcd by RESPA, and Bottowcr slutll pay to Lender !he amount lle(CS.W)' to make "I'
                    lhc dclkicncy in lll.'l:ord:VIC'C wilh RESPA, hut in no more !han 12 tnnmhly payments.
                           Upon payment in fuU or all sum.i s~:ured b)• th~l Se-"urity lnstrumcnl, Lcndl-.r shall promptly 1'\!fund tu
                    Borrower any l'unds held by Lender.
                           -'· Cbar~:es; Lkns. Borrower shall pay all mts, a'OSC.t5ments. crutigc.~. fine.~. and impositiom
                    allrih11table 10 !he l'ro(li!OY which can attain 1rrinrity over l11is Sa:urity lnsUUrrtcnl. lea.chol~ payments or
                    ground n:nl.'l on d~e Prupcrty, if 1111y, and Cummunity ,\ssoL.iation Dues, F.:.:.~. and Asse&menl8, if wty. Tnll1e
                    e~lentllmllhCSI.lltCIIls arc E.o;crow [li:rlts, Bonttwcr shall pay !hem in !he m:umes provided in Section 3.
                           Jlormwcr shall promptly di.~ehargc I!IIY lien \\'hil:h llliS priority over this Set:urity rn~Vllrnenl 11nlc.<s
                    Bo1tower: (a) agrees in writing w the paym.;nt of !he obligation secured by !he lien in a manner acctpt1blc to
                    Lender, buL only so long a• Uonowcr ts pctfom,ing str.:ll agre<:nli'!lt; \b) tonics~~ !be th!n in good (ailh by, or
                    lkfcnds again!>! cnliltcCRlCnl of lht lien in, kgal procc.:dings "'·ln~h in Lender's opinion operate Wprevent d!¢
                    enforcrm<:nt or !he liea while !hose pmce.:drngs an1 pending, but un\y until such plOCcedings are com:ludtd:
                    or (c) J~C~:urcs frnrn lhe bolder of lhc lien an agreement salisfllCIDr)' to Lender subor~tnaling lhc lien to !his
                    Security lnsllurru:nt. If Lender dctcnnines lltalllll)' pari ur Ul<l l'n>ll<:rt)' is ,'llbjel..'t In A lien which (an ~11ain
                     PfiOtity n~cr this Socurily hliUUtnent, I.L'lldcr may gi•·c IIOITow.:r a notk-c td.:ntilying lhe l~tn. Wilhin Ill

                                                                                                                                       ~~}~                                        Form ,044 1i01




                                                                                                     1!i:~2 I 3 {J 4 8 7 3                                                                          ... ...... .......... ..
                                                                                                                                                                                                                               Page 61
                                           ..,,4...,.....,..., •• --                    ··--4-..   ,.u-.-.---...-~.....,.,-•~-,.,_,_   .... ,. .. • ,   ~   , ,.,..,..-...,. ···                       ~              ,{-



-~·
      ~~la ~oi:HFI':'I:-"f~..,,.."Tr""~~                -~.            ..... -·~·"'!~


         ',
                                                                                 LOAN " 1240004663
                                                                                 MIN 100072112400046631
duys nr !he da~e on which that notice is gh·cn. llurrower shall s;,tisfy the lien ur ~tkc one or more or the
DCtiuns I'CI forth :tho•c in thi.~ S<>cUun 4.
        l.cndcr may rc<juire Burrower to pay a one-lime rh:ugc for a n:..r <~State ta.• vcritic>~linn lllltVor reporting
scr\·icc uscll b)• Lend~r in connecdnn with this Loan.
        S. l>roptrty Insurance. Borrnwcr shall kc.:p the imi'IO\'emcnL~ nnw c.d~!ing ur hcr.:uflcr ~rcctctl on the.
Prupeny insurctl against los.~ by ftrc, hnzurds included willoin lhc l<'nn "c.<!l!ndcd cm·emgc; 1md WI)' other
hlllllrds including. but not limill.'tl 10, c:trlh'luakes and Ouods, fur which Lender rC<~uirc.< insurance. Thi.<
insurdllce shall be mainL~incd in die omouuL< (including deductible lc\'cls) and fur the periods thnl Lender
rC<~uirc:.<. Whal Lender l<'<juirc:.< pursuant 10 lhc preceding .\CIII~Ilccs can change during the term ,,( the Loan.
1hc insurance c.urier providing the insuronce shall he chosen by Burrower suhj<:cl to Lcmlc~· s right to
dl<approve Borrower's choice, which right shall not he cxerdo;ed uruCO!somlbl)'. Lentlu may rC4oirc
Borrower m pay, in connection with this Lo:~~~. dthcr: (a) a onc·Lime charge for flood wne tletenninalion,
L'\.'rtilieation and lr.Kking S<:JVict.:s; or (b) u one-time chllll:e for flood ~one d~lermin..Uon and ccrtificalion
service." and subsequent charge.." each time remappings or ~in11lar chllngcs occur which reasonably might
affect such dctcnnination or certification. Borrower shall also It;; respunsibl" for the. payment of uny fees
imposed h}' !he Fcdernl Emcrgenc)' 1\lunagcmeDI Agcnc)' in connccti<Jn with lh~ re\·icw of any flood zone
dc1cnninatio11 resulting frum an objection b)' Borruwe.r.
         If Borrower fails 10 maintain any of lhe cov.:ragcs described aoo-·c, Lender ma)' ubtai11 insur.mc'C
cowmgc, Dl Lender's option anti Domtwcr's c:w.pcnse. 1-Cllder i.~ under no obligation to pun:hasc all)'
panicul:tr ty['C or WllllUIIt of coverage. Thcrelore, such cnvcmge shall cover Lender, but might or might not
PIIIICCI Borrower, Bonower's C<!Uity in !he Propeny, or lite comcnL$ of the Propeny. against any ri.•k. tlazru'1l
or liability and might provide grea~er or les.<er mverage than Wll!l prcviou;ly in cffocL Borrower
acknowledges that the co~! t1l the insurnttcc 'ovcr".~ge ~ obtained might ~ignificarnly cx,e.."d the cost of
in~'Urancc thai Borrower could have obtaincll. Any amountS disbursed by Lender under this Section 5 shall
become additional debt of Borrower secured by thl;; Security lrutrumcnl. These :unounu shall b..'al' inlere.~l at
!he Note rate from the llate of disbursement and shall be P'.lyablc, with sucil imere..lt. upon notice from Lender
Ill Borrower •C<~uc,\ling payment.
         All insurance policies required by l..enllcr and renewal• of such policies shall be subject 10 Lender's
right to disap1novc such potiri~. shall include a srandard mongage clau:~e. and shall name Lender as
mortgagee and/or 3S 1111 additional loss payee. Lender shnll have lhc righl 10 hold the policies and re11cw-.II
ccrtific-.w:s. If Lemler requires, Borrower slmll promptly give to Lender all rcccipu of paid premiums and
 renewal notices. If Borrower obtains any fonn of in.wrance covemgc, not otherwise required by Lender, for
llamage to, or dc.suuclinn of, the Property, such policy shall include a sl:Uidard morlgage clause and shall
 name Lender DS mongugec and/or as WI !ldditionallosspaycc.
         In the cvcm or loss. Borrower shall give promp!notkc tnlhc insuranc~ carri~r anti Lender. Lender may
make proof ol loss if 1101 made promptly by Borruwi!C. Unlcs.~ l.cl1der and Borrower otherwise agree in
 writing, WI)' in~ur.mcc lliOCeods, whether or nlll the underlying insumncc was required by Lender, shall be
 ~pplied m restoration or repair of the Ptorcny. if the re.siOTalion or repair i.~ .:conumically feasible and
 Lcndtr's security is notl~«!ned. Dunng such repair and re..~wmlion period, Lender !.hall have l11c right to
 hold 'uch insur.mc.:~ proceed~ until Lender has hlld an UptKlr!UIIil)' to iMpccl such Propcny w m~ure the work
 has IJ,;;:n complctcll to Lender's ~lislaclion, provitled thai b1Jdl inspection •hall be undcr13kcn prompt!)'.
 Lender may disburse proceed.~ lor the repairs and r¢litomuon in a >inglr. paymcm or in n series of pmgrc.<s
 payment< as the wor\:. is cornplct•d. Unless an agriX'ment i$ tn~ in writing or Applicable law rC4uire,,
 interc:.~l to be paid on such insurance pnx:cctls, Lender shall not 1M: rcquir~d to pay Borrower any in~erc.st or
 earnings on such proceeds. Pe<:s fur public w..ljuslcrs, or other third parties, r~taincd by Borrower shall 1101 be
 paid out of the insurance pnx:o.'tls and !.hall he the sole obligation of Borrower. If ~1e restoration or repair is
 11111 economically fca:;iblc or Lcn~o'-'r's ~uri!y would be l.:s:>ened, Ule in.~unu·"o pnx:c<ds shall be applied to




                                                                                                                                            form 3044                 1101




                                                                                                                                                                                                Page 62
                                                                                     , , ....... ,M~ . . . . , , , . , , _ , . _ , . , . . . .   >~<_,_.,   .......... --·-···· ''"'   "~·-••
                                                                                   LOAN I 1240004663
                                                                                   KIN 1000721ll4000t66l1
the sum~ sccnrcll by lhi.~ Security lnslr\mu:nt, whether or not !hen tluc, wi~• !he c><c=. if .my. paitl to
Borrower. Sud• insurilm:c 1""'''-'Cd> shi!ll be aprlied in lhc ord<'<Jlro'·itletl for in Sc"ion Z.
        If llooowu abandons the Pmpcny. Lender may file. ll<l!otiaw anti scn.k any avail;tblc insuran~ claim
ami related matters. If llnrrnwcr do;:.• not rc:iJlUIId within 30 da)·~ 10 a notice fmm Lender that tlte insunmec
carrier ha.< olfcr~d tu $Citle a claim, then Lender may negntiat~ and settle the claim. The 30-day (l<'rkKl will
oogin when ~•c notice is given. In oithcr e\'CIIt. or if Lender nc'luire.~ ~"' Property under Se<:lion 22 or
otherwise, Borrower hcrtby as.~igns In Lender (a) Borrower's righLs tu any insurance proceeds in an amoum
nollO CllCC:Cd the amounL• unpaid unckr the Nolll or thi~ Sccuri!y Instrument, ami (bi any oi11Cf of BurTowcr's
righL~ (other lh311 the right to any r~funtl of ltncamed premiums paW ~)' Borrower) under all insur-.mce
polidr.s tU\·cring lhe Prop.:ny, irunfnr 3$ ~ud1 ri~hLS arc •Jll)li~ahlc to 1hc cowrag<! of tin! Properly. under
may use the inwrance proc..occls either to rrp:sir or re.;tnrc lhc Property or to pay .unoulll< unpnid und~r the
Notr. or this Sec-urity Instrument, whctl•cr or nol then due.
        t>. Occupaney. Dorrow~-r $hall cx:cupy, c.oo1abli.~h. an<l usc lhc Prop.:rt)' as Horrowcr's rrincipal r~sid~nrc
within 60 da)'S after the e.xcculion of this Security lnstnamcm anti sh311 continue lu occupy the Property as
Borrower's principal rc.\i~encc for al least one year after the <.laiC uf occupancy, unlc,.s Lender olh<l'l\'isc
agrees in writing, which ~onsrfll shall not be um-.:a.<onahly withheld, or 11nlc.s.' CJ.tcnuating circumsUIIIces
Cllisl which uro beyond llorrower'~ t:onttol.
        7, Presen•allon, MJilnlenance and Protection of tbe Prn~rty; lnsp;:ttiull5. Borrower shall not
dc.sltoy, dam;tge or impair the ProtlCCiy, allow lhe !'roper!)' Ill ~ctcriomtc or commit waste on lhe Property.
Whether or nal Borrower iJ residing in lhe Propeny. Borrower snail maintain lhc l'rop.:ny in order 10 rre1·cnt
the Propcny from det.eriora!ing ur decreasing in value due 10 tiS condition. Unless it is determined JIW:.'\IDIIItO
 SectiQn 5 !hat rcpait· or r.:storalion is nm economically fo;a,.ihlc, Borrower shall promplly repair the Property if
damaged to avoid funllc.r dct~:riaralinn or damage. tr in~uranec or condentnalion proccec:!s arc paid in
 connection with d.-unage 10. or the Wr.ing of, the Prapcrty. Borrower shall oo rc.•ponsibl~ for repairing or
 r~swring lilt Prop;:rty unly if Lender has rckascd proce005 for such rurp.l.«:-s. Lender may disbur~c procc.:d.<
 for lhc rep.tirs and reswntion in a single payment or in :1 ,;cries or progres$ t•aymeul.oi a~ the worlc Is
 complet.ed. If the in.~ullllll;e or condemnation proc=ls arc not sufficient 10 repair or r~storc the Properly.
 Borrower is nol rclic\'ed uf Borrower's nbligation fur lhe toml'ktion of such repair or rc.•tomlion.
         Lender or iiS agcm may make r~nahlc enlri~ upon and in•p.-.:tions or lhe PrutlCrty. U it has
 reasonable cause, l.cndcr may lnspct't lhe intcriiJr of lhe improvcnu:nt~ on lhG Property. Lender shllll giYe
 Borrower notice al lhe lime of or prior 10 such an interior ill!.-pcction srcdfying such reasonable cause.
         8. llorrow·er's Loan Appliallioa. llmrowcr shall be in ddault if, during the Loar. applit:-l!lion proces.q,
 Borrower or atl)' persons or entities acting at the direction. or Borrower or will• Borrower's knowledge or
 consent ga1·c materi:tll)' false, misl~ing, or in<~~.-cumt.e irrfonlllllion or statement~ l<l Lender (nr failed 10
 fUt)\~dc ~Alder ..;lh rna1~rial illfommrion) in l"Onncction ~~oilh the Lu:m. Materi111 r~re.scntatimLq inchttle, but
 are notlimiJCd to, rcpn'.o;cn&~tioru cooceming Borrower's tx:.:upancy of rhe Propc11y '" Bormwer's principal
 re.'\idencc:.
         !1. Protri:tinn or Lender's Interest in lhe Property and Ris:hts Under lhioi Security In.~trumenl. If
 (aj Borrower fails to p.."'fonn tlJe covcnanlli and ngrccmcnLS contained in !his Se,urity lns1rumem, (hJ !hero is
 a legal pmcce<lmg tikll might significantly affect Lender's inlcrcst in !he Property and!ur right~ untlcr this
 S.xurily lnsltumcnt (such as a procloeding in banbuplcy. pmbaw. for contltrnnali"n or forfeiture, for
 roforceUicnt of a lien which may :main priority over tins Security Instrument or 10 cntorc~ laws or
 regulaliQnsj, or (c) Borrower has abandolll.'d !he Property, lhcn Lender muy tlu ll!ld fQY lor wbate\·cr 1s
 rrusonablc ur apprnpriate ID prol<:el Lemler's imcr.,et in the PrnjJCny ami right~ under lhi~ SL't.'Uril)'
  ln~trumcnl, including proiCCiing amVor a.~se..'l.~ing lhe \':litre or !he Prn(ll:rt}', ;m~ sectnitlg and/nr repairing
  the Prop.:rl)'• L.cndcr'sllCiions can include, but a!"f.tlullir»il<'d 10: (a) paying any SJtms SC<:tlfL'ti hy a lien wh1ch
  ha.~ priority over lhi; Security Instrument; (b) appearing in C(lun: and (c) f>lyin~ re.'l.\onahlo;




 Q-tD(TXj.IIOO)OI                                                                                        Fotm 3044 HOI
     ~




                                                                                                                               Page 63
                                                  1tr'2 I 3 0 4 8 75
                                                                                                       LO~I    #   ~:140004663
                                                                                                       MXN    ~00072~12t000466Jl

                    anom~ys'       l".:cs to Jlrnloct il< intorcsl in lhc ProJl<'IIY :md/or righl~ under tlns Sc:curity lns~rumcnt, mclmhng iL~
                    secured pmitiun inn hankniJ>I~y prncecding. Securing the l'rop.:ny includes, bm i.< notllmitoo to, entering th~
                    l'ropcny to nlake rep3il);, change locks, replace or board up uoars un~ wimlows, drain water from pipes,
                    climinaiC building or olhcr code violulions or dungcrous comhtions. and have utihtics mrned on or oiL
                    Ahtllmgh Lender may t:>Jce '"'lion under !his Section 9, l..cnMr doc.< not ha,·c to do so and is not under any
                    duty or obligation 10 do so. It is agreed that Lender incurs no liability for not m!;ing aR)' ur all action<
                    authorized under this Socuon 9.
                            1\ny amounts disbursed by Lender under th~< S1.-ction 9 shall he<:om~ additional debt of Borro\\·cr
                    secured by !his S!Xuril)' lns1rument. 11lc® arnnunl< shall bc:!r interest at the N01c r:llc from the date of
                    disbursement and ~h.'\11 ~ paynhic, with such intcre.~t. ~ron notice lrom um!er 10 Bonowcr rcqne..<ling
                    paymem.
                            If tl1ls Security lns~rumcnt IS on a lcasehoW, Bornl\\'er sh:dl compl)' with all tl>e provi~ions or lhc lease,
                    If Borrower acquires fee litl~ 1o !he Propcny. th~ lc:ISChold and th~ fcc tillc ~hall nul merge utile..;.~ Lender
                    ngrccs to lhe merger in "·riling.
                            10. Mortgage Insurance. If Lcnd~r required Mortgage Insurance M a condition of making the Loan,
                    Borrower shall pay the premiums r"'juir~ 10 maintain the Mongag~ Insurance in crf~ct. If, !or any reason,
                    the Morq;agc lnsumnc~ coverage rc<Juircd hy Lender             =s           to be available from the mortgage insurer lhlll
                    prevloll!ll)' pro<•idcd such in~-urance and Bormwcr wa~ requi~d to make S<!parmely designa«cd paymollt<
                    toward the premiums fnr Mongage ln~'Urancc, Borro~~o-cr ilhall pay ll>e pr~:miums required to obtmn cowrage
                    subsUIIItially equivalent lo lhe Mongagc lnsuranre previously in cffctl, at a cost ~1tbstanliall)' equivalent 10
                    the COS! 10 Borrower or the Mongagc ln.~umnce previously in effect, from an ahcmatc mnngage insurer
                    selected hy Le"der. If substantially cquivalenl Mongagc Insurance coverage IS not available, Borro<•:er shall
                    continue to pay to Lender the amoum of the scparau:ly designated payment~ that wore due when lhc insurance
                    cow:rngc cea.'iCd to be in effect. Lender will actej)t, usc IUld retain ll1cse paynwmt!< M a non -refundable los.~
                    reserve in Ji~.u or Mon~age Insurance. Such loss rcser>·e sh:tll be nnn-tcfund.1blc, notwillmanding the r~z that
                    the Loon is ultJntaldy paid in full, nnd Lender ilhall not be required to pay Borrower any interest or earnings
                    on such loss tcscn·c. Lender <':111110 longer require loss reserve llll}·mwu if Mongagc Insurance coverage (in
                    lhc amounl and ror the period liuU Lender 1equircs) provided by an insurer :;elected by Lender aga~n become.~
                    available, is obtained, and l..endcl requires scparnu:ly dcsignaled payment~ toward the premiums for Mongage
                     lnsur.1.m:c. If Lender rcqu~ Mortgage Insurance as a condition of malc.ing the Loan and Borrower was
                     required 1o make sepmu:ly designatoo payments toward tile premiums for Mortgage ln.<umncc, Bonower
                    shall pay lhc premiums rcquiroo 10 maintain Mongage Insurance in eff<:<:t, or 10 provide n non-rcfuooable loss
                    reserve, until Lender's requirement ft>r Mongagc lnsurdi!Cc ends in accordnnl-c with any wriucn agreement
                     bclwccn Borrower nnd Lender providing for SlJCh termination til until termination is required by Applicable
                     Law. Nothing in thi< Section 10 affects Borrower's obligation 10 pay inla'cst at the rate provided in the NnlC.
                            Mongnge Iruurancc reimburses L.endor (or any entity that purchases the Note) for certain lo.'1..'iCS it may
                     incur if Bonowcr docs not repay the Loan as ugretd. Borrower is not a party to the Mortgage lnsumncc.
                             Mongage insurers evaluate their wtal risk on all such insurnnce in force from time w time, ami may
                     enter into agrecmenl~ with oiiJcr panic.< !hat share or modify !heir risk. or reduce los.<e.s. ·rnese agreements are
                     on ll:mls and conditions dtal arc s:uisfnctnry to tltc mongagc lnswer and the other party (or parties) to these
                     agri!Almcnl~. 11Jcse agreement~ may rc:quirc the mongagc insurer to make payments u~in1l any source or limds
                     lhat Ute martgagil wurcr may have a<·ailal>lc {which '"")' include runtl.> obuincd rrc1n Mortgage lnsumnce
                     premiums).
                             As a result or these a!."r~cmcnts, Lender, any 1mrchaso:r of tl1c Note, another irtsun:r, any reinsurer, any
                     olher emit)', or any affiliate or :my of lite loregoing, ntay receive (directly or indirectly) amounts that derive
                     from (or might be: charoc~erized as) a poru,,n or Borrower's pll}'t11<!11L~ for Mongage Insurance, in exchange
                     for shuring or mo<.lifying d1e mongnge in~urcr·s rist, or reducing los.<es. If such ;JilJCCmt.nt JllOVidc..~ that an
                     :tfliliatc of Lender ukcs u share of the tnsurcr's rl<k in c•chllnge for u share of the 1•rcmiums 1n1id to the
                      insurcr, the arrangement is often tcrtncd "captive reinsurance.• Funhcr:
                             (al Any such agrMments "Ill not afYrct thr amnunl~ thai Rnrro,.rr ha.~ agrrtd to plly for
                      111f.rtj:age ln.~ura~~<:t, or any other tum.~ of the Loan. Suth agrtem~nls will nnl incr~.ose tile amounl
                      Rurnnrer will owe lor Mortga.:r ln.~ur.ancr. und they will oot rnlilk nurrowrr :r> l!ll)' rrrund.



                                                                                                                            Fotm 3044 1101
                     --eB(TX)       '"*''                                    Patai.{llftlli




                                                                                                                                                  Page 64
....   .f .41.."'
       '•,
                           :'
                                                                                LOAN • 1240004663
                                                                                KIN 1000721124000.6631
        (b) Any such agreement~ ,..ill nul alTer! the ri~hls llorrnwor has • if any • with respect to the
Murt~a1:~     Insurance under the llumtuwner.; l'rot~>rtion Ad of 1~93 or any other wn. These ri~:hts may
include the righl to recein certain dl~clusures. tu request and oht11in c-.mrrllatiun of the Mrm~u~e
Insurance, tn han the Mortgage Insurance terminated autom!llically, undlor to rn:ei;·e a refund of any
Mortgage Insurance premiums that were unt-o~rned at the time uf such l:'oJnr~llation or termination.
        II. AS'iiRnmenl of Miscellaneou.~ ProcL't'ds; l>orfeiture. All MiscdlanL'Ot" Prnccc<l< an: hereby
a.~signcd to and shtdl be paid tu Lcud~r.
        If the Property is damaged. ouch Mi<ccll;mcous Proceed.< shall be apphc•lto rc,<roration or repair of the
Prnpcrt)', if the restoration or rl!pair i< cconnmically lcasiblc :md Lemler's security i.< nm lessened. During
such rCJiair ami re.<tnration period. Lcmlrr shall hav~ Ute right to hold such Miscellaneous Pmcccds until
LA:nder llllS lu11l un opponunity to iru.l>cct such Prot>eny rn ensure d1c work ha.< been completed 10 Lender's
suti.'ifaction, provided that such inspection shall be nnd~nnkcn promptly. Lender may p;.y for the repairs and
rcsrornlion in n single disbursement or in a scrir.s of prngress Jla)'mcrtL< a.< the w01k is complcte.d. Unless an
agreement i.• made in writing or Applicable Law rcquir~.s interest "' be paid on such Miscellaneous Prt:X.'O!<Is,
Ulld~r shall not be required to pay Hnrrower IUIY inta:c:<t or crunings on such Mist:clhmcou.< Proceed:;. If the
restoration or repair is not economically feasible or Lcmlcr's security would be lc=ncd, Lhc Misccll:uiOOll.~
Proceed~ shall be llJlJllicd to the sums secured by thL~ Sc.:urity Instrument. whclh.:r or not then due, with lhe
excess, if any. paid to Borrower. Such Miscellaneuus Ptocw.b shall be llpplied in the order provided for in
Section 2,
        In the c;•cnt or a total talting, destruction, or los.~ in value of the Property, the Mi:;cellancous Proc-eeds
shall he applied 10 d1c sums se<:urod by this Security Instrument. whether or notlhcn due, wiLh the excess, if
any, paid 10 Borrower.
        In the event of n partial laking, dc.~uuclion, or loss in vnlue of Lite Property in which the fair market
\'llluc or d~ Property immediately before die partiallnkin~. dc.<UUUion, or loss in value i.~ equal to or gre.1tcr
than the amoum of the sums secured by this Security lnslnlmcnt imrncdintcly before the partial taking,
destruction. or loss in value, unless Borrowu and Lcmlc~ otherwise agrc.: in writing, the su111s secured by !his
Security Instrument shall be rroucc.d by the arnoum of Lhe Miscellaneous Prot:r.cds multiplied by the
following fraction: (a) the total amount of d1e surns secured imrnt:dintcly before the partial laking, dcsuuction.
or loss in value divided by (b) the fair market value of the Proper!)' immediately before lhe partial taking,
tbwction, or lo.~o, in value. Any llalafl('c .,hall be paicllo Borrower.
                    or
        In the event a p-Jrlial t:lking, tlcslnlctioo, or lollS in value of the Property in "'hich d1c fair m.11l:et
value tlf Ute l'ropcny immediately before the partial taking, destruction, or loss in value is lc.'IS than lhe
amount tlf the sums =ured immedialcly before die partial laking. dcsuu~tion, or loss in value, unlr.<;.~
Borrower HOd LA:ndcr othcrwi.~ agree in writing, tile Miscellaneous Proceeds shall be ap(llicd to d1c sums
secured by this Security Instrument whether or notlhc sums arc then due.
        If the Property is abandoned h)' Borrower, or ii. after notice by I..entlr.r 10 Borrower that the Opposing
P:uty (as defined in lhe n(!.\t sentence) oilers 10 make an awartl to sctUc a claim for damages, B1mower fails
to respond to Lender within 30 dnys aft.:r tbc date d1c notice is given, l..entlcr is authorilcd lO collect :111d
apply the Misccll;mcous Proc""ds either to resmmlion or repair of the f"roperty or to lhe sums seo:ured by d1is
Sa.:urity Jnsuument, whether or not !hen due. "OpJ!O:<ing Party• means the third pan~· that owes Borrower
 Miscellaneous Proceeds or the p:uty against whom Borro·..,·cr ha.i o right or llCtion in regard to Mi.cellancous
Proceeds.
         Borrnw.:r shall be in t.lcl"ault i( Bn)' action or proceeding, wbclhcr civil or criminal, c> begun that, in
 Lender's judgment, could result in forfeiture of Ute PrOJICfl)' or olhcr material im11uirmcnt of Lender's in~:rest
 in the Propert)' or right:~ under this Security lnstcun~<:nt Borrower can ~urc such a ddau!t and. if acceleration
 has occurred, reinstate "''provided in Scctiun 19, by causing t11e ~:uon or proceeding to be di>lnisscd with ll
 ruling lhat. in under's judgment, prct:lude5 fodeilure of the Properly ur other rnutL"rial irnpairmclll of
 LA:nclcr's interest in the PruJICfty or right~ u11<1er thi5 Security Instrument. The ~11ncceds of any award or ch1im
 (or dnmagc:s that arc attributable to the imjl<lim1e111 of Lender's intcrcst in d1c Property are hereb)· assigned
 and shall be l"'id to Lender.
         All Miscellaneous Proce«<£ lltal arc not applied to rc:storJ!ion or rL'Jlair of the Propcny shall be ap[llled
 in lhc mtlcr provided fm in Sc'<:tion 2.



0·6B(TXJ '"""~'                                                                                     Form JMf     1101
     tl




                                                                                                                         Page 65
                                                                                LOAN M 12~00046&3
                                                                                MIN 100072112400046631
        12. llorruwcr Nol keleasttl; t'nrbcamm·e lly l.ender Not a Wuh·.r. btcusion uf the time for
P,1)'1l1Cill or mc•Jilication nl anmrtiMtion ot the sums secured by tim ScCllritr lnstmm~m granLCcl hy Lender
ltl Borrower nr any Successor in lnlcr~st of Burrower shall not opcmtc tu rcka.;c the liahility oi Btorrowcr or
an)· Successor~ in 1nli:rcst elf Borrower. lender shall not be required w con1mcnce proceeding~ against :my
Sut·~cssur in lntCfL'St or llorrmwr or to refuse 10 extend time I!Jr payment or othcf\visc modily amorti7..tion
or the sums secured by this S<'<'Urity Instrument by rca-ron of any dcm:md made by the original llorrowcr or
any Successors in lntcrt'.St of Buml\wr. Any for~arnncc by Lo:ntkr in exercising any right ur rcmed)•
including, withoutlimililtion, Lender's a::ccptanrc or payments frum third IJCWJns. entities ur Succc~mrs m
lntcrc,~t or Borrow~( or in amount~ fMs than th~ amount then due, gballnut be a waiver or or Jlftdudc the
exerci..: or llllY right"' rr.ntcdy.
        IJ. Jninl and S•.-crall.iability; Co-si~ners; SuL~es.<urs and As.<ign.< Bound. Borrower covcmml< and
agree.< that Borrower's obligauons and lmbilit)' slt.~ll be joint and several. However, nny Borrower who
co-signs this Sc<:urity lnstnun~nt but docs not CO\reutc the Now (u •co-signer"): (a) is c<Higning this Security
Instrument only 10 mortgage, gr'dltt and com·cr the <eo-signer':• intcr<!St in the ProJierly under the tcnns or thi.<
Security lnslmmcm; (b) is not personally oblig-dt~.d to pay dte sums Sc<Ur~l b)' the~ Security ln~'truntcnt; and
(c) agrees that lender and any ntllcr Borrower c·an agroo to c."end, modif)'. forbear or mukc llll)"
accommodation.< wilh regard 10 the terms or thi.s Sc.:urity lnSirUittcnt or tlte Note withnut the co-signer's
cnnsent
      Subject to dtc proVISions or Section Ill, WI)' Succ~r in Interest or Borrower who nssumc.s Borrower's
obligations umlcr lhis Scxurity Instrument in writing, and is approved by l.cmler, shall obtain all of
Borrower's rights and benefit< under thi< Security Instrument. llorn>wer ~hall not he rclllaSed from
Borrower's obligations and liability untlcr this Security Instrument unless Lender agrc.!s to such release in
writing. 'lllc co•·cnanl~ and agrcemctll< of this Security Instrument shall bind (except as pro1·ided in St-ction
20) nnd benefit the sucu...•;sors and a...signs of Lender.
       1-1. Loan Char~!'$. Lender may charge Uorrowcr fees for servkcs pcrlonntd in connection with
Borrower's default, for the purpo.sc of protecting Lender's intacst in the PrOJJCrty ami rights under thi~
Security Instrument, including. but not limited UJ, anomcys' fees. propcrl)' in.~rcction and valuation f~e&. In
regard to any other fees, 01c absence of express authority in thb Sccuril)' lnslnlmcnt 10 charge a spcci~c fcc
to Borrower shall not be {onstrucd a.~ a prohibition on the charging or such fee. Lender may not ch:ll'ge fees
that are expressly prohibi~d hy tills Security lnsuumcnl or by Applicable l.aw.
       1£ tltc loon i.< subject to a law which set~ maximum loan charges, and that law is finally interpreted s.o
that the inwn:st or other loon clwges cotlcctcd or to be collcct.cd in connection with the Loan c:xcccd the
permitted lint its, thi!ll: (a) WIY such loan cllargc shall be reduced by the wnown necessary IC) reduce the charge
to the p.,'rnlittcd limit; and (b) My sums already coflcc~d from BcJrowcr which e-\cecdcd pcrrnined limits
will be refunded 10 Borrow.:r. Lender may dtOOliC to make lhi~ r~fuM by re-ducing the principal owed under
the Note or by making a direct Jlaymcm to Borrower. If a refund reduces principal, the reduction wilt be
treated as a partial prepayment without any prepayment charge. (whctltcr or not a prepayment cb:trge is
prO\ided for untlcr the Note). Borrower's III."CCptancc of any such refund mooll by direct raymcntiD Borrower
will corulliwtc 3 waiver or any right or action Borrower might ha•·c arising lllll ur such I)VCtchargc.
       15. Notices. All notices given by Borrowcc or Lender in connccu<tn with thi$ Security lmU11mcm must
be in writing. Any notice 10 Borrower in conncclioo with this Security lnstrurncnl shall be dc•"ncd to have
br!cn giwn 10 Borrow-er wh.:tt mailed b)' first ch1o;s mail nr when uctually delivered to Borrower's n<lticc
atldrcs.~ if scm by other means. Notice 10 nny one Borrower shalf constitute uotice ILl all Borrower• unless
Applic11ble Law expressly requires otherwise. Tite notkc address shall be the Property t\ddre...s untcs..~
 Borrower has dcsigna!cd a sub~titulc notice address by notiL"c to Lender. Bormwer shall pmm)>llY noliry
Lender of Borrow·er's change of tlddrcs.~. If Lender •·pedlics a llf(lCedurr. for rc(lOrling Borrowcr·s change or
address, lhcn Borrower shall onlr ret>ort a ch1Ulge of lkldrc.•s through that s-pccilictl procedure. There ma)' be
 cmty one. designated notice adtlre:>.~ und~r this Security ln5tnJtnent at any one time. Any notice to Lender shall
 be given by ddivcring it or by mailing it by fii~t cla.-.s mat! to Lender's 11ddre.o;.s ;t~t<tl hcrdn unle..<.~ Lender
ruts de.<ignated anodter ilddrc.tS hy notice Ill Harrower. An)· nnticc in mnmx:uon wnh this S<."Cw-lly ln.•trlllncnt
 shall not be deemed 10 ha~c ~en given 10 londer untilnctuall)' rocci,·ed by Lender. It any notice rl:\juirccl b)'
 this Socurit)' lnstnuncm t~ ill!k) rc:quit"d under Apph~ablc Law, tile Applicable Law rcljuircrnc-nt W1ll satisfy
 th~ corrcs(lOnding rCt~Ulfcmcm under this Security lnhuumcnt.



-·6B(TX) 1000>1                                                                                      form 3044 I<Ot




                                                                                                                          Page 66
                                                 1lll~2   13     1) 4 8 7 8
                                                                                                          LO~ I 1240004663
                                                                                                          MIH 1G0072112400046631
                             1~. Go~ernin~: Law; Se•·nability; l(ules nf Cunstructiuu, llti.< St-cu•·ity Instrument shall !1<: gov~rncd
                     by kdcml law and Um law ol 1M jun.'<.lktion in w!u.:h the l'rop..•ny is luc:n.:d. All rigbL>~ and obliguuons
                     t·omaintd in rhis Sc•:urity ln.<uumcnt roc suhjc41 to any ""luircntL'nL< ;uul limicuiuns of ''l'l'hcablc utw.
                     ,\Jltllicahk Law might explicidy or iml'licid)· allow tlle parti~.~ to agree by Ct>ntr:.ct or iiiJlight he .<iknt, but
                     such silence shall oot be construed a< a prohibition ngainsl <l!(re<:tncnl by cuntmct. In the event that any
                     pro~i~ion or claus.: of this Security lnsuumcntor the Nole roollicL'i witlt ,\pplkahlc Law, such ,~mllkt.'ihall
                     nm aff,-ct oth<!'r pnwisklllS of this S<-.:urity Instrument llr U1e Nnte wlti<:h can he given effect without Ute
                     ronllicling pnwisiun.
                            As used in Ull< Sccunty IMtrumcnt {a) wunls of llle m<L.;,;ulinc gender shall mean and include.
                     corr.:sllOOding nc.utcr words ur word.~ or lllc fcminin~ gcmkr; (b) wunl< in lhe singular shall rnc;Ul and
                     include the plural ami vire vcr:uc :md (c) the word ·may" gives :«lie discretion without an)' obligation 1.0 take
                     any action.
                             11.Unrrowu's Copy.llonowcr shall be given one copy of the. NoiC and of this Security Jnsrrumcnt.
                             18. 'fran.<fer of tbc Proptrly nr a tlen.rtelal Interest in Uurruwo:r. As l!So:d in !hi~ S<-.:Uon 18,
                     "lnk.-rt~t in the Properly" means any le~alnr bcneftdal intcrc.~t in rhc Properly, including, but no1 linoitcd to,
                     lhtlS<: benclkial in~~: rests transferred in a bond for deed, contrill:tlor dC<".d. insl:lllmcm s:llc.-; mnuact ur e_<;eruw
                     agrt-cmenl, !he intent of which i3 the llansfer of til.k by Borrower at n future dme tu a purdla.<<'f.
                             If ull or MY J""l of the Propc~ty nr any lnt~rest in the Prupcn)· is S<lkl or trnnsfcnc.J (or if fl\1rruwcr is
                     not a natuml p!!rson :md a bcndldal iniClest in nnrrt>wcr is sold 01 tr.m.~krredl without Lemler's prior writll!fl
                     consent, Lender mny require immediate pa)'RICnt in full or ~II Silins 5Cl:Urctl by this Socurity lnsuument.
                     However, thi~ option Stlallnolbee~crciscd by l~nder if such cxcrcisol is prohibited by Applicable Law.
                             If U!.~der exmi1cs thil< option, Lender shall give Burrowt'f nolil:e of accclcr:ttion. The r;utic~ shall
                     pm,·itle a period of not lc.'IS than 30 days from 1he dale tile notice IS given in accmdance wilh Section 15
                     within which Borrower must pay all sums sccun'll by this Security lnsuumcrn. If Borrower fails to Jl'l)' tbcsc
                     sums prior to the extlinllion of this period, Lender may invoke lilly rcmcdic.1 pcrmiucd by rhis Security
                     ln.<trumemwirhout fw:thcr notice or demand on Borrower.
                            19. Burrower's Right Co Reinslalc After Accelcraliun. If Bt1rrower mc.:ll certain couditions,
                     Bor.ower shall h:tvc the righttn have cnfon:emcm of this Socurity Instrument <liscnnlinucd at any lime prior
                     10 the carli~t of: (a) five days bclor.: sale of the Pmpcny pursuant Ill any (l<lwcr of s.-tle conlllincd in tht~
                     Security lnstrunlent; (b) such olhcr period u.< Applicnblc Law migllt sp«ify fnr t11c temiination of Borrower's
                     right 10 reinstate; or (c) enuy of a judgment cnfon:ing t11i1 Security fnsUUJIICJlL Those oondidons arc lhat
                     Borrower: (a) pays Lender all surns whlclt llten woukl be due under this Security lnsuum~nt and the No!C a:;
                     if nu aoo:!eralion hod occurred; (b) cures any default of any uther co,·crlli!ILS ur agreements; (c) 1'3>'' all
                     cxp..'llse.s incurred in enforcing lhi\ S.:c:urily lnstnuncnl, including, but not limitt:d to, reasonable aunmeys'
                     fee:;, propcn)' inspa:tion and vahlalitm fees, llllll other fe.:s incurred for ~~~ PUfllOSC of protocting I..cntler's
                     iniClcst in th~ Pmll"'lY ami rights under this Security lnstnunc:nt: and (d) lllkel< such aclion a.< Lender may
                     rcaoonably require tn assure 111:11 Lcntlcr's inlerest in tlae Properly and rights under this Security Instrument.
                     und llorro ..-cr's obligation 1D pa)' !he .~urns secured by till~ Security Instrument, shall continue un~hangcd.
                     Lender m:ty te<juirc that Sorro,.·cr Jl<IY su<:11 rcinsllllCIIH:nt sums a111l e~pcnses in one or more uf tile fullowing
                     forms, a.~ selected by Lct~dcr: (a) cash; (b) moi!C)' onler; (c) certified check, bllllk cllcck, treasurer's check or
                     cashier's ch.-ck, provided any Sllch ch«k is druwn uptlfl un in~titution whl>sc dcposil• arc in>"Urcd by n rw~ral
                     agenc·y. in>trunumlality or enlity; or (d) Ehxuonic Funds TmJ\.\fcr. Upon rtins!at~mcnl by Borrower. thi5
                     Security Instrument and obligations sreuu:d hefebr slmll remain fully crrcclivc 11.~ if no :~<.-..~lcraut>n had
                     occurred. However. thl' right to reinstalC shall not apply in the case of acceleration under Seclinn I!I.
                             20. Sak or Nol•; Cbang~ uf Loan llervker; Nutkf ur Grievance. The Note or a partial in!erc.t in the
                     Now (tog<'lher witllth~ Sc:c~ily lnsiTllllt('.lll} L'an lk! sold one ur more limes without priur notice 111 Borrower.
                      A sale might result in a change in the cntily (known WI the "Loan Ser\'i~cr") that collccL~ Pcri<Hiic Payment;;
                      due under lhe Notc wrd tlti.~ S«:urily ln~tnJmo:m 1111d pcrfonn.< orhcr mortg~gc loau servicing obli!lations
                      under the Note, litis Security lmtrutn~nt. and Applicable Law. Thi.'fc also mighl b.! onil nrmorc cl~;mg~s of
                      the Loan Scn·ic~ unrelated toad~ of the Note. If th~ro is nl'lwl!,!.:: of lite f.o<U~ Servicer, Borrower Wtll be
                      giwn wrmcn nmicc or rhc change ,..hich \\'ill stat>~ the name 1mil Oll.ldrc..\.< nf the new Loan Scrvil:cr. the
                      nddrtss '"which P<JYhlCRl< ~buuld bo ~~~;t~,lc ami M~ oUitr informuliun RES I' A rcqurres in coORC<.'Iion wult a



                     0.-&B(TX) '""'"I                                        Pf,ft II   ot tl                                Form 3044 1101

                          "'


                                                                                                                                                          Page 67
~tJII':?Ii"'J'"':'A ... t'-'l~~ .. --                     -~---·-- ...·-~----.·--·"---- ... ~--·.,1.\•~-~ ...... ~ ..... ~ ..,.... -,,-.~.•~·-···"""'~-
  .        X
                                                                                  LOAN M 1240004663
                                                                                  MIN l000721124000466Jl
notice of trarl,fer of ~~rvidng. lithe Nole i; ~uld antllh~rcaltcr lhc loilll ~~ scr•·i.:ed I•Y a l.o311 Scrvic~r olhcr
lhan lllc purct.;~'cr of the Note, II•• morl~a~c loan scrvidng ot;.lisauons Ill Burrower will remain wilh lhc
loan Scn·kcr or be tmnsfcrrcd 10 a successor Loan Servkcr and :uc nul us;un1cd by ria~ Nntc purdmscr
Wlli!S.~ orhcrwlo;c provided by the Note pureha.<cr.
        NcidrCI B<>nowcr nor l...:ndcr mal' commence, join, or be joinctl to illlY judidal action (:•< cilh.:-r an
indh·iduallitigunt ur 11M: mcmbcr of u class) !hat arises from the utbcr party· s actions pursu.mt to this S<'Curi!y
lns!rumcnl or that alkgcs thatlhe lither 11any hM hrolaehcd :my pmvi~inn of. ur nny tlut)' n••cd by rta..;(lll of.
lhi< Socwity lnstrurncnt, until such Bonuwcr or Lemler ha.< notified d>c other f>ruty l with su<·h nntice gi,·cn In
compliance with lhe r~quilcmenL~ of Sccllnn 15) of ~'Uch all~g(~l l>ro~·b and .lllordcd the olhcr party h<!rcto a
reasonable p<:riod afb:r the gi•ing of ~uch notice to take conective a<:tion. If Appfit•ablc law pnwitles a um.:
period which must elapse before cer~ain action can oo taken, Ill~! time pcri<>tl ,..ill be tlccmcrl r.o he rea.<anabf¢
fur purpa.ws of \his p.11agrapb. lt.e notice of acc~lcrolion ami opponunity to cure gh•~• !o Borrower pursuant
to Section 22 Wld 1llc notice of :w:cclcratinn gh·en to Bonuwer pur~uam to S<'l.1ion 18 shall be decml'<l to
s.ali.~fy r.hc notice wul opponunir.y 10 lake conceth·c action pro•·is•ons or this Section 20.
         Zl. lfuurdous Substances. As uo;cd in this St..:uun 21: (a) •H:t~.ardou~ Substance..~·· nrc thn~
sub~1a11ces dcfmcd a~ mxic or ruwudous subslll.nces, polluWIL~. or w~L<tes by Environmcn1.1l L1w and t11e
 following subs~111ccs: g:IS()Iinc, kerosene. <llher Clamrnable or tmtic pciiolcum pmtlucL,, l<>xic pc.ltkidc.s and
 herbicides, volatile soh·cnts, materials com.ai.ning a.'lx:slo~ or formafdcllydc, and r.>!lioattive materials: (b)
 "Environmental L:lw" means Ieder.&! laws and laws of the jurisllil'tilln where lhu Proper!)' is loc.:.~e~l that rdatc
to health, S<lfe1y or environmental protection; {c) ·Em•irorunental CL:.anup· mdudes any rc.>')lUIISC action,
rcn1cdial ..:tion. ut removal action. as tlcfmoo in Environmental Law; and (d) au "Em·imnmentnl Condilion'
 means a condition thru can cause, conlribulc to,m otherwise trigger ru1 Envitonmcutnf Cle.tump.
         Borrower shall not cause or permit the prcscllec, U,;c!, di:~posal. stOrage, or r~fca:lc of any llal'Ntlous
 Subsl:lnccs, or lhr~atcn llJ rei= IUIY Ha1.ardous Suhslnr.ccs, on nr in the l'ropeny. Borrow~r shall nm do,
 nor allow anyone dsc r.o do. arlydling alf"'-'ling lire Property (a) rhal is in vinl3tion uf any Em·irunmcntnl
 Lllw, (b) wllich crcales an Environrnenl:l.l Condition, ur M which, due to the pr=ncc, u:~e. or release uf a
 Hal.ardous Subsume.:, creates a condition that ill.lvcrsely rufccls lhc valu~ o£ the Pmperty. The pr~..::ding two
 sen!Cnccs shall not apply r.o lhe 1>resence, use. or s10r.1ge on the Property <>f smnll qu:mtititJS of lllWII'doiLq
 Subst:~m;CS thai arc gencrnlly m:ognil'.cd n• be sppmpriatc Ill normal residential usc; and 10 mainrcnancc of
 the Property {including, but no11imill:d 10, hal.ar<lous subsl3nce.~ in COilSI.IIIM:t pnlllucts).
         Borro'M:r !hall promptly give L.:ndcr wriucn notice of (a} lilt)' investigation. claim, demand, law~mil or
 other ac:tion by lillY go,·crnmenl:l.l or regul:nory ogcncy or prh·a~c IJ:II'Iy involving d1e Property and illl)'
 Ha1.:~ttltl1L' Sub.~1nce or Environmental Law of which Bonowcr b:u uwral knowledge, {b) uny
 Elwirmuncnllll Condition, including blttlml limited to, any spilling. !taking. discllargc, rei= or ~IIC<Il of
 rtleasc of IUIY llw.artlous Sub~l:ln<:'-', <Uld (c) 1111)' ~:onditilm .:au.ICII by lh~ pr(,o;cn~c. u~ or release of a
 H!ll.anlous Substu~cc which lld~crwly uff~clS the value of the Prop<'t'l>'· If Bonowu l~ams, ur is notified hy
 any govcmrncnlnl or regulnrory authority, or any private p:lll)', rl>atany removal or othrr rcmedi:uion or any
  H:ll."lftklUS Suhstllllcc affcclin,g lhe Pro(ll!rty i• nf.l:c.ltial)', Borrower shall pmmptly wkc all necessary remedial
 oclions in accurdr.nce wir.h En,·ironmentall.aw. Nothing hr.r~in shall crc~tc any obligation on Lmder for lUI
  EnvlronmcniAI CICllllup.




                                                                                                       fo<tn lOU 1101




                                                                                                                             Page 68
                                                                                                  LOAN 8 12(0004663
                                                                                                  MXN 100072112400046631
                  NON-UNIFORM COVENANTS. BOITli\Wr nnd Lender further covenant nml agree ns lollows:
                  22. ,\cceluation; Rem•dies. l.ender shnll gi~e noUce to llurrnwer prir.r to L!Cctlcratlon follnwing
            Uorrower's breach or any tO\'enanl or ajlreemtnt in lhi~ Security ln.~lrument (but not prior to
            accelnatiun under Section Ill unless AppiH:ablt! Law prn\'id"-' otherwise). The nolle~ shall specify: (a)
            lhe defaull; (b) the action required to cure the default; (c) a dale, not less than 30 days from the date
            I be notice is gh·rn In Uumm·..-, by which the def~tull must be cured; and (d) that failure to cure the
            default un ur before the dale spedf'led In the notice will result In accelt!ration or the sum.< secured by
            this Security Instrument and .!ale of the Propnt)'. The notice shall further inform llorru•no· or the
            right 10 rein.~tate after acceleration and the ri~:htto bring a cuurl action to a_<;.~rt the null·e•l~tence or a
            default or any other dden.w or Borrower to acceleration and sal~. tr the default is nnl cured on or
            before lhc date specirled in the notice, l.ender at 115 optkm rna)' require immediate payment in rullof
            all sums ~ecurcd by lhl~ Security ln.•lrumenl without further dtmnnd and may im·oke the power of
            sale and ~nr other rrmcdies permitted by AppiiC'.tble l.aw. lender shall be entitled to collect all
            expen.'les incurred io pursuing the nmed~ pnn·ided in thi~ Section 22, including, but not limited tu,
            reasonable allnrne)'s' re<>s and costs n! title e\·idence. t'or the purp"""" nf thls Sectkon 22, the term
            "Lender" includes any holder cr tho Note who is entitled to r£<~ive payment.• under lbt Note.
                  If Lender invokes the power of sale, Lender or Trustee sha~ll ~ive notice or the time, place and
            tums or sale by JKI!iling and n.Iing the notice at lea•t 21 days prior to sale as pro•ided by Applic-.tble
            t.aw. Lender shall mall a rop)' or the notice to Borrower in the manner prescri~d by Applicable Law.
            Sale shall be made at public •·endue. 'fbe s;,ole must begin atlhe time stuled i11the notice or sale or not
            later than tbrre hours after that time and between the hours or 10 u.m. and 4 p.m. on the li?S! Tuesday
            of the month. Borrower authorizes Trustee to 50!11 thr property to the highest bidder for cash in one or
            more parcel:! and in any order Trustee determine'!. Lender or its designee may purchase the Property
            at any sale.
                  TnL~Ite shall delh·er to the purcha.wr Trustee's deed cnb\'eying ind~feasible title to the Property
            with co,·enant.s of general warranty from Borro" er. Borrower mvenanl~ and agr~ to ddend
            gen~l"~lly the purchaser's title to the Property again.•t all claims and demands. The recitalS in the
            Tru.•tee'~ deed shall br prima facie e•·idence of the truth of the statements made therein. Tru.~tee shall
            appl)' t~ proceeds or the sale in the following order: (alto all expen.o;es or tbe sale, including, but nol
            limited lo, reasonable Trustre's and allome)"S' fees; (b) hl all sums secured by this Security
            lmtrumenl; and (c) any excess to 1~ person or persons legall)· entitlrd to il.
                   Jr the Property is sold pul'liuanllo this Section 22, Burrower or any pe1'511n holdinR p~o;e:;sion of
            the Property thrnugh llorro"er shall immedillteiJ surrender JK'-'i.~ession of the Properly to the
            purchaser at that sale. If p._lon Is not surrendered, Borrower or such ptrwn shall be a tenanl at
            suiTerancc and may be romMcd by writ of pos.stS.•ion or oUter court proceeding.
                   23. Relt!ase. Uron payment of all sums secured by U1is Security lnsuumenl, Lender sllnll provide a
            rclca.<e ur this Security Instrument to BOJTowcr or Borrower's designated agent in accordance wilh
            Applkable Law. Borrower shall pay any recordation cosu. l..:ndcr lila)' ch:ll'gc Borrower n fcc for rclc.'l.~ing
            this Sccurity ln.11111men~ but only if lhc fee is )>aid to a lhird party for services rendered :1nd the charging of
            the fee is pcrmiuru unde~ r\prolkablc Llw.
                   24. Substitutr 'l'ruslre; Trustee Liability. All rights, remedies and duties of Trustee under this
             So:curity Jnsuumcm rnny be cxcot:lSC~ or performed by one or more uustccs acting alone or tngclher. Lender.
            at iL~ option illld with or wiU10ut cause, may from time to time. by JXtwcr o! annrncy or o!IJcrwisc. remove or
             substituiC any trustee, add one or more trustee.;, or ap~10int a successor uustCI! 10 any Tru~te.: without lhe
             m:.7cssity of any fonnality other thlln a designation by Lender in writing. Without any i'unhcr act or
            C!tnVC)'iJDCC of the !'rop.:rty the SUb>li!Uie, additional or SUCI:C.<sOf trustoo shall b<£ome \'.:StOO with the lltlc,
             rigbts, rcmcdic.~. power> and lluties conferred upon Truste.:: hetcin and by Applicable Law.
                   TrlCitce shall not be llltbl" if acting U!K>tl aJI)' notir~. rCtJUC-,1, etms~m. dclnan!l, SUilemcnt m od1cr
             dQ~:um.:ntl>!licv~d b)' Trustee to be (orrcct. Tru.H~ shall not he liable ftJC any oct or umk,ion unless >uch act
            or om<S..~ioo is willlul.


                                                                                               . ...JI.?_fk      Form 3044 110\
            G·&B(TX)
              ~
                     '""'"'




                                                                                                                                      Page 69
~~1";"1~~., ...... -~ ...      ...--·----""r--'•'"'""'__ . .   ...,..;--.o_ •._._~--:-~"--·-··---·-·
                                                                                                LOAN 8 1240004663
                                                                                                MIN 1000721124000t66ll
      25. Subroj!aliun. t\ny of lite proL-ceds of lhe Not.: u~cd to 1:\k.: up outsLm.Jin~ hens again5t nil or any
!XV1 uf the Prot"'rtY have been a.lv;mccd by lender at Borrower's request ami upon Borrmwrs
rcprc:;-cntatioll that ~ucb ;uuuunl< arc due nnd arc so.:curoo by vali,lli•'ns at;:unstthe Prop.:rty. Lender :Jmll b¢
rubmgat~.d to My nntl all righiS, superior tiUcs, liens and equities o\\·ned or daimcd by uny llwncr or hol<kr
of any ouL,L111ding liens and dcbiS, ~ganllcss <lf whether S<tid liens nr dcbLS we acquire<! hy l.cndcr by
a.<signnu:nt m arc rclea<ed b)' the holdcz llwtoof upon payment.
      16. rurtilll lnralldlty. In the cwnt any 110nian or !he sums iniL'mlctl to b" secured by this Security
lnsll'umcnt \"atlnOt be bw·fully secured Mr~by, 1•~ymcnt.~ in reduction of such sums shall be arplicil rust ti>
those ponions n01 ""cured heLcby.
       21. Purchase Monty; Owtlly or l'artition; Renewal und t:xtensiun uf Ll~ns AJ!ain.ll llr.tm~st•:td
l'roptrty; Mknnnledgmrnl ol C11.'1b Ad\·untrd Against Nun·ltomest~ad l'roprrt,·. Cherk hu.t u~
applitable:

0    rurcha!K' Money.
     ll1c funds ad•·anced to Bonowcr undrr lhe Now were usoo U>tl<IY all ur pan uf the purch;I$C pneeoftl>e
f'rol!-'rlY. The Note also is primaril}' sccun:d by ~tc vendors lien r~tuncd in ~tc dc'<.'d or ~,·~n date with this
Security Instrument conveying the Property to Borrower. which •·cnd,>r's liert hiL~ b..'<'n a.<,igncd to l.e-ndcr,
thi.< Security lnsuumcnl bl:ing additional sco;urity for such vendor's lien.

0     Owelty of Partition.
      The Note reprcscnLS rund.~ advanced by Lender at the Sp<:einl instance and rc<JIICSI of Bonuwer for Uic
puiJXlSe of ocqttiring lhe cmirc fcc simple title to the f'ropctly and 1M cxi<tcucc of :111 tw<clty of pJ.rtition
imposed 11gairm. lhc entirety of lhc Propcny by a coun afdN or by a '11iltcn agr,cmcm or the parlic,; 10 the
partltion tu secure the rm>·mcnl of the No!C L'! e.•prcssly m:k!luwle>lgcd, wnfc$Scd am! grant~< I.

0      Renewal and Extensiun of Liens Against llumestead Prllp•ny.
        The Note is in renewnl and cxu:n.siun, but not in extinguishment, of lh~ indebtedness ll·~-;crib\'11 on the
atlllthcd Renewal and Extensinn i!llhibit v.ohich is incorpornted by rtfcrcn~-c. l.cndcr i$ cxpn:.'>.'!l)' ~uhro~:ar~tl
10 1111 right.~, lieiL' and rc:rnetlics St~:uring lhc origiJial holder of a note evidencing Borrow~r's int.lebtcdnes.• and
the t>riginal liens securing the indebu:dncss ll!'e renewed and extended to the date ,,r marurit)' of the Norc in
renewal and extension of the indebtedness.

0      Ackno"·lcdgmenl of Cash Ad,·anct'd AJlaiiiSt Non·Homesl~ad Property.
      The Note rcprr-'lenl!: fund.< ndvanccd 10 Bonowcr on lhts day at Bonowcr's request and llonowcr
acknowledges rc<:eipt ur such fun•Js. Borro.,'t.'t ~1."\!Cs tlu:n Borro;vcr docs no1 now and lk~Cs mt intend ~vrJ to
rc.side on, u~c in any rn;umer, or claim the l'ropcny serun-d by \his Sccurit)' Instrument ll< a hu>tn~s.< or
rcsideruial bomCS~eud. BoJTow·er disclaims Ill! homesrcad rights, inu:r•.:sL' and i;~cmptions r"lat.:d 10 Ute
Proper!)'.
       2!1. l.oan N111 a Home ~:qulty Loan. The Luau el'idetKfll by the Not• is out an rxll'll,ion or credit
as ddined lly S~tiun 50(a)t6J or Secliull SO(a){7), Arlitle XVI, ur the T~xiiS CoruliiUtion. lr lh~
l'rnperty Is u.'l4!d as Rnrrowrr's resldtn~r, then Borrower agr~ lbllt Borruwer will recei<r nn ca.•h
from the Luan e•·ldencrd by tile Note and that any adv1111ces nut 11rcessary ID purchase the Pro~J~rly,
~llllinguldl an muhy lirn, cumplel~ cun.~trudiua, or rene,.· and utrnrlo IPri<•r lwn DRainst tllr Proper!)',
will be used tu rc:ducr the balancr nldenctd by lht NDte ur 5u<h Lu11n will t-e modifotd ro <'·idence !Itt
cnrrrct l.n;tll balance, at Ltnlkr's optlun. !lorro..,.rr PJ!rffi!IU er;ecule any documentatktn nec~~arr Ill
comply ,..i!h this Sn:tiun Ul.




     ..
O·&B(TIC)       lOOil$1                                                                                 forrn 3044 1101




                                                                                                                             Page 70
                                                                                                                                          LOAN § 1240004663
                                                                                                                                          MIN 100072112400046631
                         DY SIGNING RELOW, Ourro"'er occcpL' lUld llgrcc_,; to lhc tcnns ;uod co,·cnanl< etlll~oincd in ~ois
                    Security Instrument anti in any Riclcr c~ocutctl hy Rorrnwcr and rccnnled whlo it.




                                                                                                                                                                       - - - - - (Seal)
                                                                                                             Pletze Sro>m JR.                                                         ·Horrowcr




                                                                                                                                   -           :::?
                                                                                                                      4::!:.:!~--                                                         (Seal)
                                                                                                                       ie Brown                                                       -Borr,.:nwer




                                                                                         (Seal)            - - - - - - - - - - - - - (Seal)
                                                                                     ·Borrower                                                                                        -Horru~A'tr




                                                                                       (Seal)              --------------(Seal)
                                                                                    ·Bmrowc:r                                                                                         ·Horr.Jwer




                                                                                         (Seal)            - - - - · - - - - - - - - - - (Srol)
                                                                                                                                                                                      -Burrower




                                                                                                                                                                              Foom 3041 1101




                                                                                            mr2 13 0 !1 8 83                                                                                                      Page 71
~p>:!=T'!:'n'l.)?t... l'.-~,.......,.   ... ~....,~.....,...._., ..... r. .-...,......, .... -.,..-..,,....--a.-·-·--,.~-----......---r------·-·--.,--Y   ...-..-....... ··   --v~--··~·.,...-•.     -" ·· ····
           '·                                       .                                                                                                                                    :
                                                                                                                                       LOAN • 1240004663
                                                                                                                                       MIN 100077.112400046631
                     ~nAn:m'TEXAS
                     County of         D     a    I I (\   S

                           Rcrorcme           L            <-    15.... ~· i:::>
                        \> L e-1"'2..-C               75 p. 0 1.-',.,           J" ~

                                                      B        R..c~~"'

                     knmvn lo me (or pro,·cd 10 me on the oath of
                     ar through \ )         A 1u e 1<            L   i c   to:- f'J S C      110 I>< Ute l"'r:<On wllo~ numc i$ suhs.:rih.:d 10th<.'
                     foregoing instnuncnl und acknowledged ID                m~    that l#.>hCilhc)' elecutcd the j;;lfnC ft1r tile Jturposc.~ and
                     con.,idcration dterdn cxrrcsscd.

                           Gi~cn   umlcr my hand ;uld seal of office thi,;                    f{p          tla)' of    CJcT                 ~0 J.,

                     (Seal)

                                                                                                                                          '-....
                                                                                                               G               c....        ~fS.__._(

                                                                                          "Sul.,.r)' 5"'ubtk




                      My Commission Expires:




                                                                                                                                               Form       ~044       1101




                                                                                                                                                                                                        Page 72
~""""·~Al61.?!''tr.'"'/"f".-··~--~.~   ··--·-----...,_.,__________ ,_.,. ..... _   _..,_~-----·                       ·-· ·---·-            •• ••'---JO   ,r,.,_...,...._,,_.   ·~   ~~,....,_,.._,,_




             '·                                   .
                                                                                                                   LOAN   ~    1240004663
                                                                                                                   VA   case     No.
                                                                                                                   LH-49-49-6-943752
                                        \1 A GUARANTEED LOAN AND ASSUMPTION POLICY RIDER

                         NOTICE: THIS LOAN IS NOT ASSUMABLE
                         WITHOUT THE APPROVAL OF THE DEPARTMENT
                         OF VETERANS AFFAIRS OR ITS AUTHORIZED
                         AGENT.
                         THIS VA GUARANTEED LOAN AND ASS IJMMlON POUCY RIDER is made lhi.<~                        16th         day
                         of October, 2002                             , and is incorporated inLo ami shnll lx: dccm~d to amrml
                         and Sllpplcment !be Mons:ogc, Dill.'d of Tntsl or DeW to Secure Dcbt(hcrcin "S.xurity IMtrumenl") dat,•d of
                         even date herewith, given by the undusignctl (herein "Bonower") La so:urt Borrower'~ Note to

                           &B HOM! Mortgage Coapany, an Illinois                                  Corpo~ation


                         (herein "Lender} Slid rovermg thl:' Property described in tltc So;urity ln.<lnlmcnt and located                      Ill

                           24141 Poinciana Lane
                           Dallas, Texas ?5212
                                                                                    IProputy Addreul

                         VA GUARANTI!ED LOAN COVENANr: In addition LO lhe covcnaniS ;md agreements made in the Security
                         ln5lnlmcnt, Borrower and lender further covcnam and agrre \lS follows:

                         1£ the indebtednesS ~ured berchy oo guarunllXd or insured under Title 38. United State.• Co.le, ~"ch Tid"
                         und Rcgublicms it:!lucd thereunder and in effect oo lhc dale herwf shall govern the righL~. dutit.l nnd
                         liabllilies of Borrower and lender. Any provisions of lhc S«"urity lnsaumenl or oth.,.- iRitrumtnl:i c:«<utcd
                         in c:onncclion with said indebtedness which are iuconsislelll vdth said Tillll or Regulalions, includin8. but not
                         limiled LO, the Jtrovi>ioo for payment of any Stllll in ~-onncc:lion with prepayment of the S<~urcd indebtcdn~M
                         and lhe pruvisl011 lila! the Lender 1l111)" acrelcrau: payment of the secured indebtedness pursuant 10 Co•·enant
                          I g of Lhe Sc:c:urity lnsuumcnt. are buehy lllllcndcd or ncgatcd to lhe extent necessary to ~-on form such
                         inslnUIKnl:llo     sald
                                               Ttllc or Rcgulaliuns.



                          IIULTISTATE VA GUARANTEED LOAN AND ASSUWPTION POLICY RIDER

                          .*53811 (9904).01                     fJt:J. 3!911
                          Page 1 of 3                  lnmalsn_,_-,Qjj
                          VMP MORTGAGE FORMS· (800)52t-729l                                                                   11111111111~



                                                                               1rn:2 I 3 0 4 8 8 5                                                  Page 73
"'·""·s-11'-1"'-   ~~;--~~-t'_'t""                                                          .
                                     -;:o-r...~•·r-::--- ... - - -....·----...- -....... --~-----Wir""   --~--·~·--¥·. -~·~-·-   ., .......
             "
                                                                                                                                             LOAN ' 1240004663
                                                                                                                                             VA Case No.
                                                                                                                                             LH-49-49-6·943752

                                   LATE CHARGE: At Lender's option, Borrower will pa)' a "la!o char~c· not e.~cecdmg four per ''-~llum (4%)
                                   of lht 0\'ccduc payment when paid lllOrc Ulllll nru.:n ( 15) day~ aftCI' the due dalG Lhr.rcof to W\'cr tltc C~tra
                                   CJ~~nse involved in handling delinquent paymcniS, hut sudt "lau: 'hargc" shall nm be payahk out oi tire
                                   proceeds of any sale made U> satisfy the indcbtcdneo:.~ sccllr<'<l hcrcl>y. unk<< ~uch rnll:e.!d> am sufliciwt to
                                   disch.uge llle entire indebtedness aml a!IIJrO(!Cr cost~ WlrJ expenses sccure1l hereby.
                                   GUARANTY: Shouhl tJtc Dcparmtcnt (>f VrJcmns Alfairs fail or refuse to i,:suc il~ guammy in full amount
                                   wilhin (1(1 days from llle dat.: that thi~ loan would nom1ally become eligible (nr such guaranty comnuucd
                                   upon by tJtc Dq>artmcnt of Veterans Arfllirs und'" the rruvisions ol' T1Uc 3X of the U.S. Cude "Vctcr;m~
                                   BcnefiiS," tJte Mortgagee may declare the indcbi.Cdncs~ hcr~by =:ured at nne~ due and (ll)'ilbl~ :111~ may
                                   foreclose irnmtdiau:ly or may cxcn:isc iliiY mhcr rights her~under or take ;my otl•er pm;;~c:~ ocuon a~ hr law
                                   provided.
                                   lRANSFER OF THE PROPERTI': This klan may be llocl:u-cd irnmcdi~lely duo and (Y4yablc upon lrnl~<fi:r l>f
                                   the propcny securing such loan to w1y uarufcr.:e, unless U1c ~ceptahility of the a.o;,;umptinn of the loan is
                                   c.~tahlishcd pursWI!lt to Section 3714 of ChaJ>I.I:r 37, Tide 3!1. Uni~d SL1tc' Code.
                                   An authorized uan.~fcr l"n.<SUmption") of the properly shnll also !><: subject tu ac!dilional co,·cnanL; tmtl
                                   agrcemenl~ ns SCI fonlt below:
                                         (a) ASSUMP110N FUNDINg FE!!: A feG cquallo one-half of I percent (.50%) of tlw b31ancc of dti~
                                   loan a.~ of lhc date of lJansrer of the JUOJJCrty shall bc p:~yabl<l at lhc time of transfer 10 Lhc loan holder or iL~
                                   authorized agent, r.s trusooc for tJte Dcpanmcnt of Vcurans Affnirs. If the a.-;:;umer r.Ul< t<J P''\' this fc~ m the
                                   time or uan.~fer, the fcc shall constilutc an additionnl dcbtw lhat nlr.,My sc~urcd by thi' insuurncnt, shall bear
                                   iniCrest 31 tJte rate hcuin provided, and, at the option of tile payoo of the indebtedness hcrr.hy se-cured or any
                                   uansfcrcx: thereof, shall be: immediate!)· due :md payable. 'Ibis fee is auu•matically wotiY.:d if the <tssumcr i~
                                   e~empt under lhc provisions of 38 U.S.C. 3729 (c).
                                         (b) ASSIIMPDON rROCESS!NO CHARGE: Upon 3JIJIIiC3tion fm approval "' allow auumption or
                                   lhL~ loan, a processing roo may bc: charged b)' lhc lmn lm!der or its authori7.cd <JgCilt for determining the
                                   creditworthine3S of the n.'L~umcr and subse'lucntly rc<ising tl1c bolder's ownership records when an appmvcd
                                   transfer is ccmplctcd. The amount or lhis charge shall not cxc;:cd the nlll!<imum •":.tab\i;hcd by the
                                   Department or Veterans Affairs for a loan to which Section 3714 of Chapter 37. Tirte 3X, Unilcd St•IICS Code.
                                   applic.-~.
                                         (c) AS_SUMPTION JNQEMNITY L.IARILITY: If lh1s obligation i' a.<Sumco.l,then the assumcr hcrchy
                                   agrees to ~'ume all of the obligaticms of tlae vcrcrnn untkr the 1cm1s of the ins!rum(nL~ creating um! s.:curing
                                   the loan. ·n.c assumcr further agn'''~ to irKkrnnify lht Department of Veterans Affairs U> the c~l~nt of any
                                   claim pa)·rnent arising from th~ guurnnty or in.~urante of lhc in<kbtednc.ss ncatcd by U>is instnuncnL




                                    0_:531A (i1904j.OI                                                    Pago 2 ot 3




                                                                                                                                                                                                                 Page 74
                                                                                                2il!72 I 3 0 ~~ 8 8 6
          ....
~~~~~"'··"'·!\- l~ll',.·~.~~1'~,   . . ...,~~...._- .................. ___ ~-------·-·-· . . -----.__,... ..____ ,___~,---.......,_ ........... •.--·-.... .   •• , .. .,....   • •>It>·•   -~-~   •••   ~   •

                  ',
                       '·
                                                                                                                        LOAN     n 1240004663
                                                                                                                       VI\   Case No.
                                                                                                                        LH-49-49-6-943752

                         IN WI'JNESS WHEREOF, Dorruwcr(s) ha.~ executed thi.< VA Guaranteed Lo31l an~ AssunlJllion Policy
                         Rider.


                          A.~ ~V--'< -/1-
                           Pletae B"town JR.·---------1-Io-,-,.-w-cr




                                                                                ·Borro'la'Cr




                                                                                ·Bnrrowc:;r




                                                                                ~Borrower




                         O;s38R t9904).0T                                               Page 3ol3




                                                                           L:Tr72 I 3 0 4 8 8 7                                                                                      Page 75
11-G!I'f-"!!.)P'!!.-~- .. ~~=:"'--"'-_---·--"='"'~- .. ~.-··-- ......... --.--~·..-..---~-- ..-
J+                                                                                              .....-._, ...................,.. ---........ , ...   ~-v-· ·""o'JT>''"''"-·•· ••••

              '\                              .
                                                                      LO~~   # 1240004663



             PLANNED UNIT DEVELOPMENT RIDER
     THIS PLANNED UNITl>EYEl.OPMENT RIDER i.l made thi.~ 16th                                     1lay ur
       Oc t:obar, 2.00 2                                           , ami is incorpo!ah!d imo and shall "'-'
dccme.d to amend and supplement the Mortgage, ~d of Trust, or Security Dc~d (Lhc "Seturity lustnnnen(J
of llle same 11alc, given by the und<rsisncd {tin! "llorruwcr") tr• 5<."Curc Borrower's Note 111

               ~    KOMB Mortgage Company , an Illinois Corporation
                                                                                                        (the
"Lender") of the same date anti covering the     Pro~ny     Mscribed in the Socumy lnstrumem uml located nt:


 2412 Poinciana Lane, Dallas ,                  T~s       75212
                                                 IPror••l)" Addreul
The l'rop.:ny include..~. but is not limit~'d 10, a parcel of land impruvcd with a dwelling, IC!gethcr with otfn!r
such parcels ami certain common areas and fadUlie.,, as dc5cribed in
 COVJ!RAN'l'S, CONDITIONS, RII:STRICTIOKS

(the   "Dcctaralion•). The      Pr~ny       is a part       or   u planned      unit   dc~eloJ!Tnetu   known     as
 Greenleaf Village

                                          f'Na.m• ol Planru:d llnu ~"dotrmt:ft.t)
(!he "PUD"). 11le Propcny al.w irtcludes Borruwr.r' s ir1tercs1 in tile homeowners association or equivalent
cntily owning or man:Jging me common area.• and facilitie.s of the PUO (the: "Owners A-':wc!ation") and lhc
uses, bc:nefrts and proc:ccd.• of IJorrowct's interCSL
      PUD COVENANTS. In addition 10 lhc covenant~ ood agreement~ made in the Scruril)' Jnsuumenl.
Borruwcr aml lxfldcr fu!1her covenmu and llgfOC liS folluws:
      A. PUD ObligalloM, Borrower ~hall JlCrfoml a!l of DnmlWL'I"'s obligations und~'l" the PUD',
Con~"lltucnt Documml:l. The ·constituent Do.."UJnenl:l" ure lite (i} ik;;laratiou; (ii) articles of int-oriJOrdlinn.
tnlst instrument nr Dll)' e•tui,·alcnt document which createS tile Owner~ AsS<lC!ation; and (iii) lillY by·laws or
other rules or rl.'gulalions of lite Ov.nors Assodation. Borrower shall promptly pny, when d11c, nil dues and
a!I:<CSsmenL~ imposed pursuantru dtc Constituent Document•.

IIULTISTATE PUO RIDER. S1ng1o Fmmily- Fonnlolholfreddlelloc UNifORMINSTRUMEtgd-.9&
                                          Pago I ot 3                lnrltals. YrI
Cit7R (00081                 VMP MORTGAGE FORMS ·{800)52t-7291                   Form 3150 1i0'




                                                                                        111111~1



                                               Hi?2 I 3 0 ~ 8 8 B                                                      Page 76
                                                                       LOAN I 1240004663


      II. Pro~rty lruuruncc. So long as the Owners Aswcialion mainl!lins. with a gencrall)" accCJli~U
insurance carrier, u "muster" or "blank~!" J>Oii<:)· insuring th~ l'ropcrty whkh i.< Stlli~fn.:tory 10 Lendfr and
which pruvitk.l insumnce co~cr-o~gc in !he amounts (including dcduttiblc lcv.:L1). [nr the p.'fiOil<, <UI!I ugainst
loss b)• fir~, ht11Julls indudc!l within lhc tcnn •c~tcndc<l i:Ovcragc," and 110)' t\l.her b=tls, including, but not
limilcd lo, c:uthquakc.~ :md floods. fo; which Lender reqnir~s illlM<lfiCC, tJ~en; (i) l.cmJcr wai1·es th;; provision
in Section 3 lor the Periodic P..1yrncnt 10 Lender ol the yearly premium installment~ fur pmpcny insur.mcc on
!he Propcny; and (ii) Borrower's obligation undu Sccuon 5 ttl main~1in JIWI!Cl'ly insuranec cOI·~rag<< on tl1c
Proper!)' is <IC..'fllcd ,;afufiCd to tile c•tcnt that !he required •overage is pro'· idcd b)' the Owner.~ Asso<:i.'ll.ion
(l'.llicy.
      What Lender rcllllirC.S iiS II ~ondition of this wah·cr ~-.m l:llilllgO during LIIC lCJlll of tht.\ 1\lilll.
       Borrower shall give Lcn,tcr prompt nmkc of an~· lap•e in rcttnlred prnpt."'t~' insurilllce co~cragc
pmvidL'<I by 11\c master or blanket (IO!icy.
       In the event of a dl~lribulion of prop.:ny in.1ur.mce procc<~.l~ in lieu of rc~tor01lion or rcrlair following a
loss to lhc Prop:ny, or to common area~ and fa.:ililics of Ute PUD, any prOt'CCd:i (Y.lyublc ln Borrower arc
hereby a~igncd nnll shall he raid to Lender. Lender ~hall "P.~Iy the procet•ds to !he smm secured by the
Security lnslrumcnt. wllcOII.-r or not ll".co due, wilh lhc exec.<.•, tf tmy, pnid to Borrower.
       C. Public Liability lnsuraacr. llormwcr 5haU ~'Ike Mh ncliOIL~ as muy be rca\'Onahlc 111 insure dtatlhc
Owners Associ.11ion maintains a public liahilil)' insumncc policy acceptable in form. tmlouot, and cMcnl of
covcrugc to Lender.
       D. Condrmnlltion. The proceeds of any llW:Ud or rl.1im for d;unagcs, diiL'<:I or con~ucnti:tl, pa)·abk
to Borrower in <:onncclion widt Wly condemnation or other ~JI;ing of all or any part of the Pro(l<.'rt)' or II•~
common area. lflld ra.itilies or the PUD, or for any convcynncc in lieu of con!lcmn.,lion. urc ltcreh¥ a>~igntd
and shall be paid to Lender. Such proceeds sball be applied br Lender lo the .,ums s<cur~d by the Socurity
Jnsttumcm a< pnJVidcd ill SIX!ion II.
       •;. Lender'~ Prior Co-nt. Borrower sballuot, c.'cept uflcr notice 10 LCllder untl wilh Lender's prior
written ronscnt. cilher paniti<m or aubdi,·idc the l"rup<.rty or con.'ICJllto: (i) the nband•~unt4ot ur tennination or
dte PUD, CllCept for abandonment or termination required by law in tile L'115C or substantial deslructinn by rue
or olhcr ca:rualty or in the  =      or n laking by condeiiUillliDII or eminent domain; (ii) any amcn!lmenlto :l!l)'
provision of lhe "Constituent Documents" if the proviSion l• for UlC exprcs.• benefit ol' Lender; (iii)
~rminaliol'l or prolcs.<iolllll mmtagemcnt and as..~umplion of seJf.m;~nageoncm of tltc Own~-r~ A&wdation; or
(iv) any ;~etiml whkb w011ld have the crrcet or Jtndering lilc public l~1bilit)' insurl\ltc~ mvcmgc m;linlllinc<.l by
the Owner.; Association unac~eptablc 10 l...cndcr.
       Jo'. Rl!rnedics. If Borrower d<lts not pay PUD dues and i\.'ISCS.\mcn~~ when due, th<.'n lendi'.r may p~y
tllcrn. Any amouniS disb>.lrscd by l...cndcr under !his paragraph r 511all becornc ll!ldilionalllchl of Bormwer
scx:urcd by lhc Security lnsiiUnlCilL Unless Borrower ant! L:rnler :Jgree to oth~r t.'tms of P.1)1ncnl, Ll!esc
 DfliOunts shall he4t intcrc-lil from lhe dme or di$burscmcnt at !he Nute rate and shall be payable, with intereiil,
 upon notice from l...cndcr Ill Burrower r<'QIIC$ling Jla)1n<:nt.




                                                        Pago   ~013                                      form 3150 1,01




                                                                                                                             Page 77
                                                                                                                         ~AN        " 1240004663


                          BY SIGNING BEI.OW, BoiTUwcr accepts and agrees In lhe tmns ami provisions cm;lilim•d in this PUD
                          Rider.


                                                                                              (Seal)




                                                                                              (Seal)                                           _ _ _ _ _ (SO-'ll)
                                                                                          ·Borruwn                                                         ·Dot'l'o-.et




                                                                                                                                               _ _ _ _ _ (Seal)
                                                                                                                                                           ·flllrTOWC'f




                                     ___________                                              (S(~)

                                                                                                                                                              (Seal)
                                                                                          ~RCJttL'IW~I                                                     ·Durruwcr




                                                                                                   Poge 3 ot3                                        Fotm 3150 1/01




                                                                                                iJ!?2      I 3 0!t 8 90                                                   Page 78
Jtt':d~J"W jU'il'o~J;~   ... ,~ .. ~ .......................,__.......,   --·-~~   .... -._.,. ......, - -..- -........ ~~·~"'·--·-· -·--···
.           •,
                                                                                                LOAN # 1240004663
                                        VETERANS LAND BOARD
                                 YetcraJL'i Housing Assistance l'rogram
                                          DEED OF TRUST RIDER
                 (for Onl! Norc Situations: Veterans umd Board as Sole Beneficiary
                                          of First f\Iortgagc)


          Tilt righL~ ~nd abli~ations of II~~: De.:d ,,f Trust (d~e "Deed of Tru.~t") to wbkh the Rider is
auach.:d and we promissory rmt.: des..-ribed in diC o•.,d of TnL<I (the •Note") which it ~•..,urc:~ arc
""prcs.<ly rll:ldc subjc:.:r ro rhis Rider. In rhe e•·em ol aoy conlli~t betw~en 111.: prn•·i>ion.< of this Rid~r and
dtc pro~isiuns or die 0«11 of "fru.<~ liT Nme. tile pmvi>iuns of tbis rilkr sh~JI .:unuol. To tile c~tent dial
tltey ar~ nut nmdilied by this Rider, all the renn.<. conditions and nther pro1•isions of dte De..'d of Tru.'ll
and Note r.:main in full for.:e and cff,'l:t. The furcgoing pro•·;sion< are ~'Upplcmcnted tu, and do nrrt
ruptrsalc, all)' pro\'i~orlll under Urc Da:d of Tro~t pr~viding for a.::cckrntion uf SiJCh loan.

         I.       In d1e ~•em the Dorrowcr dut:ti 1101 occupy rhe propcny purd~;rscl with did pn•ceros nf
!he loan •'·idcnced by   weProgram Notc :Li 1be Borrow~r·s priro.:ipal residotw:~ for a period 11f tllra: years
frnmlhe dat~ 11f lire pun:lta!'c of such pmpcny, or if tho Dorrow\!r ,halllo:t~«'. tntnsfer, Sllll or cou\·ey, in
whole or in pan, lllc Borrower's intcrc~t in stJCh properly. the Veter:lll.< Land lioard of the Slllte nf Texas,
as holder of the Nme, may, to the extcm p.;mtiued by applkable law, require <'>'C31ation of the intertst rate
on the Nme or a.:cc:ler.nion and immediate paymcrrl of principal of and interest due em rltc Note and/or
may pul'!<lle such odrcr remedy or t<Jilrl": of a~:lion a.~ it may derrn appropriate and in !he bc:sr interest of
we Vl!leran~ Housing Asslst:mce Program.

          z.        This Rider ~hall be binding upo11 and inure    ~1c   bct..,fitllf the   pank~   or tlte Deed of 1'rust
and lheir te:;pc~:tive S11\."';c!!'llrs .and a..;.~ign~.


NOTICE TO BORROWER:

THIS DOCUMF.NT MODIFIES THE TER..\JS OF THE DEED OF TRUST. DO NOT SIGN IT UNLI.!SS
YOU HAVE READ AND UNDERSTOOD IT.

         I b~reby corLo;tOt to lite modifications of the term.< of the Deed of rru.~l "'·bich are COI\taiotd ir. U•is
Rider.




llorrnwcr·~ Sign:uur~




Pletu Brown JR.                                                Jessie Brown
PrimedN.atll1:                                                Primed Name



 f~rrmwcr's si,rtarur~




 P[imc:d N~uk:                                                Pnntocl    N~u~e



ltiiMC·1S2lOii·99J
                                                                                            !IIIIIII                         Page 79
                                                                                                                                                                                              'l

                                                                                                                                                                    LOAN i 1240004661
                        THE STATE OF Tr:XAS

                        COUNTY 01' _ _J>.....:t::.._:.:''....J'c...:l_c._.t._




                                           BEFORE MH, tit~ undersig111:d, a Nmnrv Public in aud lur Tho State nf Texas, ou tl1is day pcr~onallv
                        :~pp.:a~d       PL,..T2.f" ~/?.<),.. ,... -:J~, jiC:SS!E                                   Bt~lly.nJ                            .
                        koown to ntc: to be the p.:rson(~) "·htlsc nan~e(~) i~ (aroJ sub;;critxd to the foreguins iiL<Innllelat, and ;u:kuowledgcd '" otc:
                        thai he (~he) (lhey) c•ecutcd Ute same for dtc pUrp<>SC.' and tllll>idcratiun thcrdn "'pre~<cd.


                                                  GJVI!N UNDI!R MY IIANJ> AND SEAL OF OFFICE,                                                          thi~    ---'-f_,b"'--- day or _ _ __
                                                 Q      Cl                      d-.-,<>,).                   , ----·


                                                                                                                                                       L           c..
                                                                                                                                                              Notary Public
                                                                                                                                    in and (or THE STAT!! OF TE::XAS


                        My C.<lrnmission &pires:



                        This instrument was prepared by:-------------------
                        Addrcs:;:




    llllt/IC-61~21otll!l9l
                                                                                                           2W12 I 3 0 IJ 8 9 2
                                                                                                                                                                                                   Page 80
• Ill"'   tl}flltl:ll   rt;.""''!"~;tW:I.~(""•P..-,w-.---   ....... ~·'r' ........ _ _ _ _ .,.,,   •·-~•   ·~"'f''""'''-""'''""-~'_.,.,r-,u,-   ·-..

              "'\                   t              -
 ;.nmo:J s'>'ll~.a
  ~1:131:1 ) 1H!\0:-~
  ~:)()lli?:   '"'1.:
6 \ :Z 1:!~ OC lJO Z~Ul



                          Page 81
THE STATE Of TCXAS
COUNTY OF DALLAS
1 hereby certify that the above and foregoing Is a full, true, and
correct photographic copy of the original record now In my lawful
custody and possession, rued on t~e date stamped thereon and as
the same Is recorded In the Recorder's Records In my otrlte under
the volume and page or instrument # stamoed thereon.
l hereby certify on •
                        SEP 2 4 2014

                                                 ounty, Texas
     Exhibit ''C''
Substitute Trustee's Deed
  dated October 6, 2009
                                                                                                            ELECTRONICALLY RECORDED 200900321693
                                                                                                            11/13/2009 03:32:48 PM TR DEED 1/2

    NOTICE OF CONFIDENTIALITY lUGJlTS; IF YOU ARE A NATlJB.AL PERSON. YOU MAY
    REMOVE OR S".l'RRKE .ANY OR ALL OF TRE FOLLOWING IN'FORMATION FROM ANY
    INSTRUMENT THAT TRANSFERS AN INI'ER.EST lN REAL PROPERTY BEFORE :rr IS
    FILED FOR RECORD IN TID: PUBLIC UCOimS: YOUR SOCIAL SECURITY NUMBER.
    OR YOUR DRIVER'S I,.ICENs:E Nl.JMBElt.
    241Z POINClANA LAh'li
    DAU.AS, TX 75Zll
    4~-49-6-0943?Sl
    l00900181l03!KI
                                                *CORBECTIVE SUBS'lTl'UTE TRUSTEE'S DEED
    GRANTOR(Sr.                                                                    DEEDOFTIU1STDA.'l1!: Octob.lriG,Z002
        JE.SSJl! BROWN                                                             DAT£ OF S.o.LE Ol' PROPERTY: Octobet 6. 200!1
        l'lZI'ZE BROWN. lR.
    Ol:UOlNAL MORTOAOU:
       MOIITGAGB m.EC'Ill.ONJC RB:aSTRAUON SYS'tllMS.
                                                                                   TIME OFSALI!:-                   ..:;,..._ __.~
                                                                                                              'Q : 30
       INC. ("MaS") AS ~OMINEB                                                     PLACEOFSALEOFPROPERTY:
                                                                                       l'Hl! AlUlAotrrSlDBON Tall NO!I.taSJ])ll OF niB
                                                                                       GBOltGI! ALL1£M COURTS BU!LOING FACING
                                                                                       COMMER<:a snumnmr.ow 11!1!QVERHANO ORAS
                                                                                       DESIGNATilD BY THECOUNn' COMMlSSIDNEliS
    CO'RR:£NT MORTGAGEE:                                                           GRANIESIBUYER:
      crilMOR:roAGE,INC.                                                               CITIMOR:I'GAG1J.INC.
    MORTOAGR SBll.VTcm:                                                            Gl\ANTlli!.'IWYER!S:VJJI..ING-ADDRESS:
       C!tiMORTGAGB, INC.                                                              S'..SO COllPORA'I11D!lV!;
                                                                                       PIU!Dl!IUCK. MI>ZI101
    :RECOlUlED IN:
       VOLI..'ME2002ll3, I'AG£04869.
                                                                                   AMOUNT OF SA.LE; S              J1 ~......_go~_,_'f'tl
    l'ROl'llRTY COUNTY/LEGAL DESCRil'tlON : D.ti.U.AS
    :aF.IN'G LOT 22, BLOCK 00, AMilNDI!I> PlAT GPJ!:ENLl!Al' VlU.AGS PHASE <JNI!.. A.'l ADDI'IION 1'0 Tf!B CIJY OF J>AU:.AS,
    TEXAS. ACCORDING TO THE MAP OR SAID ADDmON AS lU!CO!WED lN' VOLUME 2002144. PAGE 1586. MAP !U!COKOS
    OF DAI.LAS COUNTY, TE.XA:l.
    Gnwcr    -"'!:'<'!   m.: piOpcny   1o T . - io. 1r1m 1b _ ,       p>)'DlO:lt   of 1bo """'· ~.                lbto1zsh 11!•    M~!ll' S=!c<r, d~ dud:
    Gtomor   ~           ;,.   ~a         tliO obl!pticao of 410 D<cd of '1\uot. Cw:n:cl ~.. of                       a,.,   Nom, ~            m.:   .Mort;oao Sc:rvi<ar.
    -glyhna-"""<'SnbmuleT-und~Sillostil>do~l<>cn.!broetlJco=t.

    No..... stDliDg lbo " - pi""- , _ of soh: of lhe propc>1y w= mailed,. pcolod.....:! &td. ., ""~"ired by law. S.bstltotc T....,. ool~
    tho p~ I!> Su,=; wh<> w,u 1l!c hl8h.ot b!ddot at tho pub& _,..., jQr d...,t o( solo In a,., , _ pmcribc<i by law. lbo Su&;.ct
    so1t wea COtld1:otod "" c:am..- than .llll!ll!ld •• let fm1h fa tho Nati'co <It 8ubstitut> ~. Solo au<i was COD.wa..!. .,;Ibm - (3) b.oors
    <1f ouch tlme. Allmallm, dulles""" obligatimm or~- !""i\IJo/pcdOmttd.

    SUb>'l:ilole T....tco,. subjc<:t to lilly -   of ~ -    for -                                                "*
                                                                        ct: sal<> poid b)l 'buyer eo&~il<roli.... l!l'!llS. <dls - COI1VO)'I lo
    Buyer, Buyct• lu:i%s. llX<Qltoi:S, ·~. -                  or asriens ilmll:r, lho I""J'CrtY togdbtr w;lh .n tlghl> ocd ap~""""'
    bol~ to Gronlot. SUb=thute 'l'No!o• ltctcby        .en.
                                                         1&o abo"" ~d l""l'trll' AS J.ll wilhout MY ·~ <>r ;.,plied """"""""'
    coteep\ "' Ill Wlll'mlli<11 t>f Iillo, ud li=W -~ lbc pr~ t1> the ~ Dl tllo P"""~ """' tisk, !)UI'illll>ll to the 1mn:o or T..,..
    ~Code~' 51.002. and S!.009.

    'IV!Th'ESSMYBAND,tbb           ! \ ~ \,Q-<Jj               #a-.
                                                              il.t~JO;mms;;;;L;;ii~X;j:II~I6;j;!l;'j,!LLALC<ll!.NAU:oii~eei~~':lj;:t,...FfEilNiM$i~B;,-----
                                                                                                            Subslitult: T=t=




    1!ofcte ,., tho u:14o~ Nom.y l'lll>li•. Ill> d!i<     c!a.Y pmoDilly oppoatod B: Ids M; lO Pnfi&H. R. 1\J..COAA 9R ~ fEifiSiliill:                                A>
    S.bdiNlo or.-, known to -   or ~ to -                     lhm"tth a VIliS Sl>lo           dri...,.• -          "'
                                                                                                    o<lw: oaiciol ~ dosms'bad                                         ..
    =---~:---:-::~--' 10 bo !lao penon 'll'lu>oo -                            it$>~             !!>   lbc ~ ~ ud ~ 11>..,. lhoal
    becx....Joc!tliO=e{crtho-IIDd~tlo:<cirr.~

    Giv"'""""" "'Y h>D.d """s=~ ora!lico lhb l l ~ I d ~ 0 "t          .




     RE'I'IiRN 1'0'
         BIIRRI!TI' DAl'PIN l'RAl".Pll1R

                                                                                   lriiiEIIIIIIIIII~ml~lllllllillllllll
         nru!BR&.ENG:ll47..J...l>.
          15000 SuM:,yorlloolcl>-..11!, SUit• 100
          ~t-15001                                                                                  STD200900lll803941
          CO!Icctho:Sul>sdt&ltoT:o>tct'&l>ood (VA)
          SttbTNI-~·(~fll/lOOS) I Vcr-11




---------· ·-----
  Exhibit ''D''
  Notices to Vacate
dated August 13, 20 14
PLETZE BROWN, JR.                                                 00000003709672 EVCT
2412 POINCIANA LANE
DALLAS, TX 75212




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




         ARE YOU A TENA.l""JT OF THE ABOVE REFERENCED PROPERTY? IF SO
                   IMPORTANT INFORMATION IS
                 CONTAINED WITHIN 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.

BY_TtrumtsAct2009_Danner_.Manual.rpt- (0 J/19/20 I 0) I Ver. 05




                                                                                        Page 91
      BARRE'IT DAFFIN FRAPPIER TURNER & ENGEL, LLP                                                    15000 SURVEYOR BOULEVARD
                                A PARTNERSHIP INCLUDING                                               SUITE 100, DePARTMENT 400
                               l'ROFESSIONAL COIU'ORATIONlJ                                           ADDISON, TEXAS 75001
                                                                                                      TELEPHONE: (972) J86-SC40
                           XITORNI!Y:I ANDCOUNSRLORSAT LAIV
                                                                                                      TRLECOPIER: (972) 341-0734


                                                                     August 1:3, 2014
00000003709672
            IF YOU AUEA TENANT OF THIS PROPERTY YOU J\1AY HAVE CERTAl.J.'l RIGHTS AS SET OUT IN SECTION II
                                             OR SECTION Ill BELOW.



PLETZE BROWN, JR.
2412 POINCL\NALA.t'IE
DALLAS, TX 75212

RE:       Premises located at
          2412 POINCIA.t'IA LANE, DALLAS. TX 75212
          (hereinafter referred to in this letter as "the property" or the "premises").

Please be advised this firm rcprescnl3 CITL.viORTGAGE, INC. who purchased the property at a foreclosure sale held on
Tuesday. October 6. 2009, or is the successor in interest to the party who purchased U1e property.

                                     PROTECTING TENAl'lTS AT FORECLOSURE ACT OF 2009
 If you are a Tennnt of the property, you may have certain rights under the Protecting Tenants o.t Foreclosure Act of 2009. ·Please
 contact us immediately to let ns know if you are a Tenant and please provide us with proof of your tenancy, such a~ a copy of yo\tr
 Lease or copies of rent receipts. ·

                                                               Section           r.
                                 NOTICE TO VACATE TO QCCUPA.t'IT<Sl WHO ARE NOT TENANTS
 Unless you are a Tenant as describ<:d in Section II or Section ill below, this letter constitutes formal and final demand that you
 VACATE THE PREl\'fiSES located at 2412 l'Ol.NC.lANA LA.t'IE. DALLAS. TX 75212. If you foil to vacate the premises
 three (3} days after delivery of this notice, our finn has been authorized to file a forcible detainer suit against you for possession
 of the property.

                                                              Section TI,
                                       NOTICE TO VACATE TO TENANT<Sl WITHOUT A LEASE
 If you are a Tenat•t "'ithout a Lease or with a Lease terminable at will under applicable Texas law, please be advised that
 pursuant to tfte Protecting Tenants at Foreclosure Act of 2009, you must vacate the premises within ninety (90) days from the date
 you receive this notice. If you fail to comply with this demand, our firm has been authorized to .file a forcible detainer suit against
 you for possession of the property. If suit is brought against you, you may be liable for the attorney's fees and court costs
 incurred.

                                                        Section III.
                                   NOTICE TO vACATE TO TEN.AJ.YJ:<Sl WITH A LEASE
 If you are a Tenant and yon are occupying the premis~s under a Lease that you entered into before the foreclosure, please be
 advised that pursuant to the Prot(.-cting Tenants at Foreclosure Act of 2009 ("the Act"), you are entitled to occupy the premises for
 ninety (90) days after you receive this leiter or until the end of the relllllining term of the Lease, whichever is longer. If you are a
 Tenant who has a Section 8 Youclter, you have additional rights to continue to occupy the property. In order to confum your
 status as Tenant, you must provide this finn with a copy of your Lease Agreement or other evidenee of your tenancy including
 evidence of your Se~:tion 8 Voucher (if that applies) within ten (10) days from the date of this ru:itice. If we do uot receive
 evidence of your tenancy within ten (10) days, our finn has been authorized to tile a forcible detainer suit against you fur
 possession of the property, If suit is brought against you, you may be liable for. the attorney's fees and costs of court Incurred,
 Your (allure to tonfiJ'Ill your status u a Tenant within ten (10) days will nat act as a waiver of your rights under the Act,




EV_NotkeTo'kcaleM.anuai..IPl (1012512013) I Ver. 36 00000003709672                                                           Pa~9iot2
                                                                             Section IV.
                                  Il\1POR1'AJ.'IlT NOTICE TO SERVICEMEl\'IDERS AND THEIR DEPENDENTS:
                                      PROTECTIONS !INDF...R THE SERVICEMEMBER$ CIVIL RELIEF ACT

Servicemembers on "active duty'' or "active servke," or a dependent of such a servicemember, may be entitled to certain legal
rights and protections, including protection from eviction, pursuant to the Servicemembcrs Civil Relief Act (50 U.S.C. App. §§
501-596), as amended, (the "SCRA") and, possibly, certain related state statutes. Eligible service canlnclnde:
         Active duty (as defined in Section !Ol(d)(l) of Title LO, United States Code) with the Anny, Navy, Air Force, Marine
          Corps, Coast Guard and active service National Guard (Texas or any other state);
         Active service members of the commissioned corps of !he National Oceanic and Atmospheric Administration;
          Active service members of the commissioned corps of'the Public Health Service;
          United States citizens servicing with the armed forces of a notion with which the United States is allied in the prosecation
          of a war or militafY action; and
       • The,ir spouses.
Servicemembers and dependents with questions about the SCRA should contact their unit's Judge Advocate, ar their installation's
Legal Assistance Officer. A military legal assistance office locator for all branches of the Anned Forces is available at
http://lega!assistance lnw.af.miUcontcntllocator.php.

''Military OneSource" is the U.S. Department of Defense's infonnatioo resource. If you are listed as entitled to legal protections
under the SCRA, please go to www.militoryonesource.com/scra or call 1-S00-342-9647 (toll free from the United States) to find
out more information. Dialing instructions for areas outside the United Slate$ are provided on the website.

Please contact us immediately if one of the categories above applies to you. In addition, please provide us a copy of the military
orders establishing that you are on active duty, your discharge papers or proof that you are a dependent of such a servicementber.

The seriousness of the actions sugge5ted in this letter warrant your immediate attention,     If you have any questions, please contact
the Evictions Department at (972) 386-5040.

PLEASE BE ADVISED THAT THIS LAW FIRJ."l IS A DEBT COLLECTOR Al'llD A.t'llY INFORMATION OBTAINED
FROM YOU WILL BE USED FOR THAT PURPOSE.

                                                                      Sincerely,




                                                                      BARRETT DAFFIN FRAPPIER TURNER & ENGEL, LLP

Certified Mail RRR: 7160 9663 9671         tJ1A-?.- 0 0 VB
Copy via regular mail

Loau#:           1380217
BDFTE#:          00000003709672




E V_NotlccToVacateManual.lpt (I 0/25/2013) I Vet, 36 00000003709612                                                        Pa~~af2
USPS.com®- USPS Tracking™                                                                                                                                       Page 1 of 1


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    Tracking Number: 71609668967102428068                                                                                                                                        I
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       Your Item was delivered at 4:20pm on Augus\14, 20141n DALLAS, TX 75212.


       August 14, 2014, 3:29am             Departed USPS Fadnty                    DALLAS, TX 75260

       August 13,2014, 11:37pm             Arrived at USPS Facility                DALLAS, TX 75260

       August 13,2014.9:17 pm              Arrived at USPS Facility                COPPELL, TX 75099




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https://tools.usps.com/go!TrackConfinnAction!input.action?tRef-=qt&tLc=1&tLabels=716...                                                                              1017/2014
PLETZE BROWN, JR.                                                  00000003709672 EVCT
1655 N SAINT- AUGUSTINE DR
DALLAS, TX 75217




                                                               '
                           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.
EV_TtnantsAct2009_Bannc:r_Manual.rpt- (01/1912010} I Ver. 05




                                                                                         Page 95
      BARRETT DAFFIN FRAPPIER TURNER & ENGEL, LLP                                                     I SOOO SURVEYOR BOULEVARD
                               A l'AJmii!RSHIP INCLUOII>:G                                            SUITE 100, DEPARTMeNT 400
                              PROfllSSIOl'IAL.CORPOitATIONS                                           ADDISON, T!lXAS 75001
                                                                                                      TELEPHONE: (972) 386-5040
                          XfiORNllYS A.'II> COUNBHLOR!! JJ LAW
                                                                                                      TEI.ECOPIER.: (972) 341.0734


                                                                     August 13, 2014
00000003709672
            IF YOU AREA TENAl.'IT OF TillS PROPERTY YOU 1\:lAYRAVE CERTA1NRIGHTS AS SET OUT IN SECTION U
                                                 OR SECTION Ill BELOW.



PLETZE BROWN, JR.
1655 N SAJ.i'ff AUGUSTINE DR
DALLAS, TX 7521;

RE;       Premises located at
          2412 POINCJA.t'l'A LANF... DALLAS. TX 75212
          (hereinafter referred to il\ this letter as "the property'' or the "premises").

Please be advised this finn represents CITIMORTGAGE, INC. who purchased the property at a foreclosure sale held on
Thesdar. Odober 6.1009. or is the successor in interest to the: party who purchased the property.

                                     PROTECTli'IG TENANTS AT FORECLOSUBE ACI' OF 2009
 If you are a Tenant of the property, yon may have: certain rights under the Protecting Tenants at Foreclosure Act of 2009. Please
 contact us immediately to let us know if you are a Tenant and please provide us with proof of your tenancy, such as a copy of your
 Lease or copies of rent receipts.

                                                               Section I.
                                 NOTICE TO VACATE TO OCCQPA+"'!TfSl WHO ARE NOT TENANTS
 Unless you arc a Tenant as described in Section II or Section III below, this lettef constitutes fonnal and final demand that you
 VACATE THE PREMISES located at 2412 PO£NCIANA LA+'ffi. DALlAS. TX _75212.                         If you fall to vacate the premises
 three (3) days after delivery of this notice, our finn has been authorized to file a forcible detainer suit ago.inst you fur possession
 of the property.

                                                             Section II.
                                      NOTICE TO VACATE TO TEL~ANT<Sl WITHOUT A LEASE
 If you are a Tenant without a Lease or with a Lease te1•nliuable at wiD under applicable Texas law, please be advised that
 pursuant to the Protecting Tenants at Foreclosure Act of 2009, yotl must vacate the premises within ninety (90) days from the date
 you receive this notice. If you fuil to comply with this demand, our fum has been anthorized to file a forcible detainer suit agui11st
 you for possession of the property. If suit is brought against you, you may be Hable for the attorney's fees and court costs
 incurred.

                                                                  Section ill.
                                          NOTICE TO VACATE TO TENANTCSl WITH A LEASE
 If you are a Tenant and you are occupying the prentise3 under a Lensc that you entered into before the foreclosure, please be
 advised that pursuant to the Protecting Tenants ttt Foreclosure Act of 2009 (''the Act"), you are entitled to occupy the premises for
 ninety (90) days after you receive this letter or tmtit the end of the remaining term of the Lease, whichever is longer. If you ere a
 Tenant who has a Section 8 Voucher, you have additional rights to continue to occupy the property. In order to confinn your
 status as Tenant, you must provide this 1mn with a copy of your Lease Agreement or other evidence of your tenancy including
 evidence of your Section 8 Voucher (if that applies) within ten (10) days ftom the date of this notice. I£' wo do not receive
 evidence of your tenancy within ten (10) days, our finn has been authorized to file a forcible deta:iuer suit against you for
 possession of the property. If suit is brought against you, you may be liable for the attorney's fees and costs of court inetured.
 Yunr failure to confirm your status as a Tenrmt within ten (10) days will not act R5 a waiver of your rights under tbe Act.




EV_NotkeToVacateManWli.I]lt (10/2512013}/ Ver. 36 00000003709672                                                            Pagti~fio£2
                                                             Section IV.
                                 Thfi'ORTANT NOTIC:E TO SERVICEl\JEJ\'ffiERS AND JHEffi DEPENDENTS:
                                   PROTECTIONS UNDER THE SERVICEJ."IEMBERS CIVIL RELIEF ACT

Servicemembers on "active duty" or "active service," or a dependent of such a servicemember, may be emitled to certain legal
rights and protections, iru::ludlng _protection from eviction, pursuant to the Servicemembers Civil Relief Act (50 U.S.C. App. §§
501·596), as amended, (the "SCRA.") and, possibly, certain related state statutes. Eligible service can include:
           Active duty (as defined in Section IOl(d)(l) of Title LO, United States Code) with the Army, Navy, Air Force, Marine
            Corps, Coast Guard and active service National Guard (Texas or any other state);
           Active service members of the commissioned corps of the National Oceanic and Atmospheric Administration;
           Active service members of the comntissioned corps of the Public Health Service;
           United States citizens servicing with the anned forces of a nation with which the. United States is allied in the prosecution
            of a war or military action; and
           Their spouses.                                                        ,
Servicemerubecs and dependents with questions about tl1o SCRA should contact their unit's Judge Advocate, or their installation's
Legal Assistance Officer. A military legal assistance office locator for all branches of ihe Armed Forces is available at
http://legalassistance.law.af.mil/contentilocator .php.

"Military OneSource" is the U.S. Department of Defense's information resource. If you are listed as entitled to legal protectionll
\mder the SCRA, please go to www.rnilitaryonesource.com/scra or call t-800-342-9647 (toll free from the Uulted States) to find
out more information. Dialing instructions for areas outside the United States are provided on the website.

Please contact us immediately if one of the categories above applies to you. In addition, please provide us a copy of d1e military
orders establisbing that you are on active duty, your discharge papers or proof that you are a dependent of such a servicemember.

The seriousness of the actio11s suggested in this letter warrant your inunedUite attention.   If you have any questions, please contacl
the Evictions Department at (972) 386-5040.

PLEASE BE ADVISED THAT 'l'HIS LAW FIRiVI IS A DEBT COLLECTOR AND .At'lY INFORMATION                                         OBTAINED
FROM YOU WJLL DE USED FOR THAT PURPOSE.

                                                                     Sincerely,




                                                                     BAlUU:'IT DAFFJN FRAPPIER TURNER & ENGEL, LLP

Certified Mail RRR; 7160 9668 9671         Q].J\·y ~0        qq
Copy via regular mail

Loan#:          1380217
BDFTE#:         00000003709672




EY_Notic.eToYilcateManua(.IJll (10125nOI3) !Vee. 36 00000003709672                                                         PaQb.te?l of2
USPS.com® -USPS Tracking™                                                                                                                                                         Page 1 of 1


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     Tracking Number: 71609668967102428099




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        August 15, 2014, 6:25pm               Delivered                                     DALLAS, TX 75217



        Your Item was delivered at 6:25pm on August 15,2014 in DALLAS, TX75217.


                                              Notice Left (No Authorized
        August 14, 2014, 2:22pm                                                             DALLAS, TX 752t 7
                                              Recipient Available}

        August 14, 2014,7:39 am               Outfor Delivery                               DALLAS, TX 75217

        August 14, 2014, 7:29am               Sorting Complete                              DALLAS, TX 75217

        August 14, 2014, 7:05am               Arrived at Unit                               DALLAS, TX 75217

        August 14, 2014, 3:29am                Departed USPS Facility                       DALLAS, TX 75260

        August 13, 2014 , 11 :37 pm           Arrived at USPS Facility                      DALLAS, TX 75260

        August 13, 2014,9:17 pm               Arrived at USPS Facility                      COPPELL, TX 75099                                                                                          i
                                                                                                                                                                                        ____ j
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