                                                                                    ACCEPTED
                                                                                03-15-00215-CV
                                                                                        5182525
                                                                     THIRD COURT OF APPEALS
                                                                                AUSTIN, TEXAS
                                                                            5/6/2015 4:45:08 PM
                                                                              JEFFREY D. KYLE
                                                                                         CLERK
                        NO. 03-15-00215-CV
__________________________________________________________________
                                                          FILED IN
                                                   3rd COURT OF APPEALS
                IN THE THIRD COURT OF APPEALS AUSTIN, TEXAS
                          AUSTIN, TEXAS            5/6/2015 4:45:08 PM
__________________________________________________________________
                                                     JEFFREY D. KYLE
                                                           Clerk
                            LENNY ACEVEDO

                                 Appellant,

                                    V.

            FEDERAL NATIONAL MORTGAGE ASSOCIATION

                             Appellee.
   ____________________________________________________________

 On Appeal from the County Court at Law Number Two of Travis County, Texas
   Trial Court No. CC-1-CV- 15-000869, Honorable Eric Shepperd, Presiding
  _____________________________________________________________

RESPONSE OF FEDERAL NATIONAL MORTGAGE ASSOCIATION TO
    “PLAINTIFF’S ORIGINAL PETITION AND APPLICATION FOR
        EMERGENCY TEMPORARY RESTRAINING ORDER”
__________________________________________________________________
Mark D. Hopkins
Texas State Bar No. 00793975
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
May 6, 2015
                            BACKGROUND FACTS AND PROCEDURAL HISTORY

                  Procedural History of Eviction Proceedings. This is an appeal by Lenny

Acevedo (“Appellant” or “Acevedo”) from a final judgment entered by the County

Court at Law Number Two in Travis County, Texas, granting Federal National

Mortgage Association (“Fannie Mae” or "Appellee") immediate possession of

property located at 1108 Fox Sparrow Cove, Pflugerville, Texas 78660 (the

"Property")( Appendix “A”).1 The Judgment was rendered on April 2, 2015.

Appellant failed to request that the trial court set a bond. Appellant instead filed a

Notice of Appeal on April 9, 2015 (Appendix “C”), a surety bond for five hundred

dollars (Appendix “D”), and requested both the trial court clerk and reporter

prepare their respective records without cost (despite having filed no timely

Affidavit of Inability to Pay Costs). (Appendix “E” – correspondence to the clerk

and court reporter). Fannie Mae is not opposed to the issuance of an appropriate

bond in this case; Fannie Mae is only opposed to Appellant’s litigious

gamesmanship used to create delay just as was done within the prior district court

litigation and appeal involving the Property. Appellant has not paid his mortgage

since 2009 and has sought nothing more than the ability to live rent free for years.




	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
1	  Fannie Mae purchased the Property at a foreclosure sale on April 5, 2011 (Appendix “B”).




                                                                                                                1
                   Procedural History of Past District Court Litigation and Appeal. The

Property at issue in this appeal is no stranger to the Third Court of Appeals.2 Two

days after the foreclosure sale of the Property, Appellant executed a deed without

warranty to John Rady (Appendix “F”) conveying any interest owned by Appellant

in the Property to Rady. Rady then utilized the deed without warranty to file a

district court lawsuit premised upon a defective notice of sale, whereby keeping

Appellant in the Property throughout a lengthy district court lawsuit and appeal to

this court.3                             After years of delay, Rady dismissed his appeal voluntarily in mid

2014 and this eviction action against Acevedo followed.




	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
2
          See, Case No. 03-12-00764-CV; John Rady v. BAC Home Loan Servicing, LP, et al.
3
  The appeal was brought solely for delay. Note the delay in the request of the clerk’s record and
reporters record (Notice of January 29, 2013 reflecting that the records were due to be filed by
December 6, 2012). After the appellee’s motion to dismiss (April 18, 2013) and the Third
Court’s Memorandum Opinion dismissing Rady’s appeal for failure to file the records (April 19,
2013), the Third Court withdrew its Opinion on April 23, 2013, on the promise by Rady that the
record would timely be procured. A year later, when the matter was taken up by submission,
Rady voluntarily dismissed his appeal on June 20, 2014. In short, Appellant Acevedo remained
in possession of the Property after the April 5, 2011 foreclosure sale all the way through the June
24, 2014, dismissal of the appeal by wasting the Third Court’s time with a baseless appeal that
was dismissed after the maximum gain of delay had been created. Appellant Acevedo now seeks
to create the same delay at the eviction phase.


                                                                                                                        2
                      ARGUMENT AND AUTHORITIES

      Appellant’s request for emergency relief filed herein: (1) fails to cite the

court to the proper authority, (2) fails to attach or rely upon any evidence and, (3)

fails to provide this court with any type of lower court record or transcript.   It is

challenging for Appellee to respond to a motion that completely fails to comply

with Texas Rule of Appellate Procedure 38.1(i) in that, “the [motion] must contain

a clear and concise argument for the contentions made, with appropriate citations

to authorities and to the record.” T.R.A.P. 38(1)(i). As set out below, the rules

regarding how and when an appellant must act in setting a supersedeas bond are

straightforward.

      1. T.R.A.P. 24.2. It is likely that Appellant’s failure to cite to the appellate

rules is not by accident. Texas Rule of Appellate Procedure 24.2 is very clear. It

provides in part,

             (2) For recovery of property. When the judgment is for the recovery
             of an interest in real or personal property, the trial court will
             determine the type of security that the judgment debtor must post.
             The amount of security must be at least:

                    (A) the value of the property interest’s rent or revenue, if
                    the property interest is real…

See, T.R.A.P. 24.2(2)(A). There has been no effort on the part of Appellant to

comply with T.R.A.P. 24.1 or 24.2 regarding the suspension of enforcement of the

judgment.



                                        3
      2. T.R.C.P. 510.13.     In addition to the general requirements of T.R.A.P.

24.2 concerning proper bond amounts with respect to recovery of real property,

Texas Rule of Civil Procedure 510.13 specifically addresses bond requirements

following an eviction appeal in county court. Rule 510.13 provides in part,

      …The judgment of the county court may not be stayed unless within
      10 days from the judgment the appellant files a supersedeas bond in
      an amount set by the county court pursuant to Section 24.007 of the
      Texas Property Code.

Tex. R. Civ. P. 510.13.

      Appellant made no effort to set a hearing to determine a supersedeas bond

after judgment was rendered by the county court. All that Appellant did was file a

surety bond (the surety being the wife of Mr. Rady) in the amount of five hundred

dollars. Fannie Mae is opposed to Ms. Rady serving as surety, and Fannie Mae is

opposed to a bond amount of only $500.00 on Property valued at $123,371.70

(Appendix B– substitute trustee’s deed). Appellant cannot simply lay beyond the

log and fail to set a proper hearing on the amount of a bond and then proceed to

file an improper and inadequate surety bond.

      3. Texas Property Code §24.007. Texas Property Code Section 24.007

echo’s Texas Rule of Civil Procedure 510.13 in providing a clear cut mechanism to

supersede a county court judgment in an eviction suit. Section 24.007 provides,

      (a) A judgment of a county court in an eviction suit may not under
      any circumstances be stayed pending appeal unless, within 10
      days of the signing of the judgment, the appellant files a

                                       4
      supersedeas bond in an amount set by the county court. In setting
      the supersedeas bond the county court shall provide protection for the
      appellee to the same extent as in any other appeal, taking into
      consideration the value of rents likely to accrue during appeal,
      damages which may occur as a result of the stay during appeal, and
      other damages or amounts as the court may deem appropriate.

Tex. Prop. Code §24.007 (emp. added).

      Again, Appellant made no effort to comply with Texas Property Code

§24.007 in having the County Court determine the proper amount of bond to be set

in this case. It is highly likely that Appellant did not request the county court to

evaluate the proper amount of bond as this specific County Court, along with many

other Central Texas courts, typically sets a supersedeas bond at an amount that

closely approximates what the borrower’s mortgage payment would be (under the

theory that a mortgage payment amount would be in the same ballpark as rental

income a borrower would charge a would-be tenant for the property).

      Herein, the deed of trust (Appendix G) reflects Acevedo’s loan amount, pre-

foreclosure, to have been $151,450.00.          Debt service on $151,450.00 is

approximately $900.00 a month (six dollars per thousand financed – assuming

interest rate of 6%). In addition to debt service, a rental rate also typically covers

payment of taxes and insurance. At a 2.8 percent annual tax rate, the property

taxes on a $151,000.00 property would approximate $4250.00 a year ($354.00 a

month). Insurance on that value of a property would also typically run about

$1500.00 a year ($125.00 a month). Give the forgoing numbers, derived from the

                                        5
deed of trust and county records capable of judicial notice, the County Court would

have likely concluded that $1,379.00 is a proper monthly bond amount to stay

execution of the underlying judgment. The average eviction appeal currently takes

about eight months to resolve on appeal before the Third Court of Appeals. As

such, the County Court would have likely either allowed Appellant to pay

$1,379.00 a month during the pendency of appeal, or the court would have set one

cash bond in the amount of $11,032.00 ($1,379.00 x 8 month appeal).

      4. T.R.A.P. 24.4.       The County Court did not error in determining that

Appellant failed to timely request a bond be set within ten days after judgment. As

no bond was set, the County Court was correct in determining that it was without

power to stay the execution of the judgment as Texas Property Code 24.007 and

Texas Rule of Civil Procedure 510.13 specifically prohibit the County Court from

staying the judgment. Appellant’s request for extraordinary relief from this Court,

on appeal, should be denied. Appellant failed to follow the express rules regarding

supersedeas bonds and Appellant should not be allowed to continue to benefit

(residing in the Property without cost) from his failure to follow those rules.

      To the extent this Court wishes to exercise the latitude granted it under

Texas Rule of Appellate Procedure 24.2(b), Fannie Mae would request an

additional cash bond in the amount $11,032.00 be required of Appellant to be

deposited with the trial court clerk pursuant to T.R.A.P. 24.2(e). In the alternative,



                                         6
Fannie Mae requests that Appellant be required to post a monthly cash bond in the

amount of $1,379.00, during the pendency of this appeal (with payment of April

and May 2015 amounts due by May 15, 2015) and monthly regular monthly

payments due thereafter with the monthly payment for June 2015 to be paid into

the registry of the trial court by June 1, 2015.

                                   CONCLUSION

      For the foregoing reasons, Appellee, Federal National Mortgage Company,

respectfully requests that this Honorable Court deny Appellant’s request for

extraordinary relief.   In the alternative, Appellee requests a cash bond in the

amount of $11,032.00, or a monthly cash bond in the amount of $1,379.00 (with

back payments for April and May due immediately) be deposited in the registry 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

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

                                        ATTORNEYS FOR APPELLEE



                                          7
                         CERTIFICATE OF SERVICE

      I hereby certify that the Response of Federal National Mortgage Association
to “Plaintiff’s Original Petition and Application for Emergency Temporary
Restraining Order” for Cause No. 03-15-00215-CV has been forwarded to the
following via certified mail, return receipt requested and regular U.S. mail on this
6th day of May 2015:


      Via regular U.S. mail
      and CM/RRR# 7012 1640 0001 7114 6418
      James G. Minerve
      115 Saddle Blanket Trail
      Buda, Texas 78610

      ATTORNEYS FOR APPELLANT


                                              /s/ Mark D. Hopkins
                                             Mark D. Hopkins




                                       8
                               APPENDIX

       Exhibit “A”:   Final Judgment dated April 2, 2015

       Exhibit “B”:   Substitute Trustee’s Deed dated Aril 5, 2011

       Exhibit “C”:   Notice of Appeal dated April 9, 2015

       Exhibit “D”:   Surety Bond dated April 9, 2015

       Exhibit “E”:   Correspondence to the clerk and court reporter

       Exhibit “F”:   Deed Without Warranty dated April 4, 2011

       Exhibit “G”:   Deed of Trust dated October 30, 2003



	  




                                   9
  Exhibit ''A''
 Final Judgment
dated Apri12, 2015
                                      CAUSE NO. C~l-CV-15..000869

    FEDERAL NATIONAL MORTGAGE                            §
    ASSOCIATION AlfK/A FANNIE MAE,                       §
        P/Qintiff,                                       §
                                                         §
    v.                                                   §
                                                         §
    LENNY ACEVEDO AND ALL                                §
    OTHER OCCUPANTS OF 1108                              §
    FOX SPARROW COVE,                                    §
    PFLUGERVILLE, TEXAS 78660                            §
                                                         §
            Defendant(s).                                §                 TRAVIS COUNTY, TEXAS

                                                 JUDG~ENT


            Plaintiff, Federal National Mortgage Association a/k/a Fannie Mae ("Plaintiff'). appeared

    through its attorney of record. Defendants, Lenny Acevedo ("Defendant") and all other

    occupants of ll 08 Fox Sparrow Cove, Pflugerville, Texas 78660, appeared through counsel. The

    Court, having reviewed the pleadings and considered the testimony, exhibits and all other

    relevant evidence, is of the opinion that Plaintiff is entitled to the relief sought.

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

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

    the premises commonly known as 1108 Fox Sparrow Cove, Pflugerville, Texas 78660, and

    legally described, as:

            LOT 1, BLOCK C, KUEMPEL TRACT PHASE 3, SECTION FIVE, AN
            ADDITION IN TRAVIS COUNTY, TEXAS, ACCORDING TO THE PLAT
            OF RECORD IN VOLUME 2002, PAGE 318, TRAVIS COUNTY, TEXAS.

            IT IS FURTHER ORDERED that Plaintiff have and recover from Defendants

    reasonable attorney's fees at the trial court level in the amount of $1,000.00, which may be

    collected from the bond posted by defendant, if any, payable immediately by the Clerk of the
    Court upon presentation of this order, together with reasonable attorney's fees if the case is

    JUDGMENT
    H609·15/ Acevedo                                                                 Page 1




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

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

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

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

         IT IS FURTHER ORDERED that plaintiff recover from the Defendant(s) cost-, of

court, for which let execution issue.

         ALL RELIEF NOT EXPRESSLY GRANTED HEREIN IS DENIED.

         SIGNED this     Mday           o f ¥ - - ' 2015.
                                                        ______, \


SUBMITTED BY:




Coury M. Jacocks
State Bar No. 24014306
15000 Surveyor Blvd., Suite 100
Addison, Texas 75001
972-340-7961 (Phone)
972-341-0734 (Fax)
Email:   ~l_!r_yj@l?d!grQ_!!P-.C9ll).

ATTORNEY FOR PLAINTIFF




JUDGMENT
H609·1S/ Acevedo                                                          Page2
   Exhibit ''B''
Substitute Trustee's Deed
  dated AprilS, 2011
                                                                                                                                                     ~

                                                                                                                                             \))
                                                                                                                TRY
                                                                                                                           2011052994
                                                                                                                :i':PGS


 NOTICE OF CONFIDENTIAUTY RIGHTS: IF YOU ARE A NATURAL PERSON, YOU MAY
 REMOVE OR STRIKE ANY OR ALL OF THE FOLLOWING INFORMATION FROM ANY
 INSTRUMENT THAT TRANSFERS AN INTEREST IN REAL PROPERTY BEFORE IT IS
 FILED FOR RECORD IN THE PUBLIC RECORDS: YOUR SOCIAL SECURITY NUMBER
 OR YOUR DRIVER'S LICENSE NUMBER.
 1108 .FOXSPABJWW COVE
 PFUJGERVIU.Il. rx 78&60
 S0919lOZ
 201100314016"66
                                                   SUBSTITUTE TRUSTEE'S DEED
 GRANIOR(S}:                                                               DEED OF TRUSI DATE: October 30, 2003
   l.ENNY ACEVEDO                                                          DATE OF SALE OF PROPERTY: Apn1 S, 2011

 ORIGINAL MOJU'GAGEE:
   MORluAGEELBCI'RONICIIEGIS1RATION SYSTEMS,
                                                                          TlMEOFSALE:__            lLIL_@JPM
                                                                          PlACE OF SALE OF PROP£RIY:
   INC. ("MERS'), AS NOMIN'EE
                                                                              '!HE lUlAR "SAI.l Yi'ORT" OF l1lB 11\AVIS COUNTY
                                                                              COURTHOUSS 1000 GUADALUPE S'I'REET, AUSTIN,
                                                                              TEXAS 18701, 0A 1HE PLACBDES!ONATED SYTHE
                                                                              COUNTY COMMISSIONERS COURT
 CURR.BN't MOlHGAGEE:                                                     GRANTEBIBUYER:
   BAC HOME LOANS st!RVICING, L:P, PitA                                     FEDEAAL NATIONAl. MORrGAGE ASSOCIATION, AJKIA
   COUNTRYWIDE HOME LOANS SERVICING lP                                      FANNIE MAE
MORTGAGE SEII,VICER:                                                      GRANTEE/BUYER'S MAILING ADDRESS:
 'IIACHOMELOANSSEaVICING,LP                                                 14221 !lAI.LASPIIRKWAY,#IOO
                                                                              PALLAS , TX 15254

                                                                          AMOUNT OF SALE: S .ft.:-~?JL !Q_.           ..
RECORD£0 IN:
   O.EJ\K'S F'lUi NO 2003260223
PROPERlY COUNTYILEGAL DESCJUPTION: TRAVIS
L01 1. BLOCK C. KUEMPEL TRACt PHASI! 3, SECTION FlVE. AN ADOI110N lN TRAVIS COL!NIY, l'l::XAS, ACCORDING
TO lHE PLAT Of RECORD IN VOLUME 2002, PAG£318, 'TRAVIS COUNlY, TEXAS.
Om110t oonveye4 tbe pn>pert)l to Trustee In trust to ......, poymeot ct !be Notr: Mmtgagoc. tbrough tile 'Mortgage s.,.;..,., doclll!ed that
Grantot ddimltod in pedonning tho obligal:ioDs of tho Deed of 1'nlst. Cumtnt Monpgcc of tho Notr:, through tho Mortgage Servic:er,
"""l<lldingl)',...appoinlodSubs!iM<> Tmste<:and~11l:Slc4Subst!lutoT...-to-lbelnlst             .                                    .
Noli<cs stallllg tho 1iate, place IJ1d terms ct salo ct the )>10pQ'ty wore mailod, po!tellll!ld Jnod, ... mquiled by law. Subslitu!O TniSt~ sold
!he JlR>PCliY 11> BuyC', who -       tile hlgbost bidder at the publk auetlon, fbr amount of s.lo in tho m&~~~~er p,...,.;bcd by law. 'Ole su!Uocl
tale wos condllclcd 110 eerli« than l.l!J!IlAM 85 set fl>tlll in lho NOlie< of Subslitulo Trume's Sale IJ1d was CQllcluded within tm.e (!)hours
ct$llob time. All"''"""'· dutie> .,d obligations ofMortgagte wore lawfully l"'Jfom>od.
Sub$11111!0 l'rus!ee, subjo<t to any mauets ot =d. end fbr amo\lllt of sale paid by buy<r as e<m>ldenWon, JIUOl!S, sells and oonveyo to
Buyer, Buyer's heirt, exeeu1ot>.. ~ ,.......,..,. ot assigm tb!ever, tile ptt>perty "'S>'ther with an light< and ~
belongiDg to <lnmtor. Substilure Trusttc betoby sells 1luo >hove refet=:ed property AS IS wirlH>ut any            -sed
                                                                                                                  or implied Vo'ltrulties,
cxocpt 8$ to ........mies o! title, and henby conveys the proporty 11> tl>o p~ ar tile ~ OWII ri$1(, p~~n..ru to 1bo tonns of




:...--:::::= .......~~~~-
SfATE OF TEXAS
                                                     Substitute Tluslee

COUNTY OF WILUAMSON




                                                                                Printed N!nne ofNot;ay Publio




REIURNTO:
    BARRm DAFFIN FRAPPIER
   TUR.'illR & ENGEL, L.L P
   15000 SI>IVoyor Boulevard, Suite 100
    Addison. r ..... 7SOOI                                            IIIIBIImiiiiiiiiiUmiMIIIIDIDmlll~l~I~IIIW~m~ll
                                                                                                      STD20110031401606
     SobstitureTrustet'•llecd (~sl)
     SubT~C61Ioll'-IP'·C06'04a009)/Vot-19                                                                   ·-
                                                         STATEMENT OF FACTS
  1108 FOX SPARROW COVE                                                                                               BDFTENo: 20110031401666
  PFLUGERVILLE, 'IX 78660

  BEFORE ME. the undersigned authority on this dey petSonally appeared David Mulkay, known to me, who upon oa!h administered by me
  deposed and stated:

  L       I am a representative of the law fum BARRETT DAffiN PRA.PPIE!t TURl'lER & ENGEL, LLP in connection with the
          administralion offoreclozurc of !hat certain Deed ofTnlst or Security Jnstnmlent (''Deed of Trust") dated Oclobcr 30,2003, reoorded
          In CLERK'S PILE NO. 2003260223, Real Property Records, TRAvtS Cotlllty, TEXAS, executed by LENNY ACEVEDO
          ("Grantor").

 2        [ am making this affidavit based upon certain re<:ords maintained within the fum's files in 1be regular course of its business, wbich
          may include images of notices, certified mail ionns, the signed Sub3tilute 'Trustee's Deed, title searches, and otber documents and
          rc<:ords obtained and nlltinm!ned in the usual cour.;e of business. Togetber with my general knowledge of mortgage servicer practices
          for referring foreclos11110 matters to the imn, the statement$ and intbrmation shown in these teCOrdS tbrm tbc basis for the following
          statements made in this affidavit, which. to the best of my knowledge and belief are true

          SAC HOME LOANS SERVICING, LP is the Mortgage Servicer for the Lender or i1s Nominee conceroing: the debt evidenced by the
          Deed ofTrust.

          The Mortgagee, through the Mortgage Servicer declared that the Chanter defaulted in perfonning the obngations of the Deed ofTnlst
          and lawfully perlbuned service of a proper notice of default and other obligations and duties of the Mortgage Servieer.

          All notices of acceler.allon W10te served on each debtor obligated on the debt aceording to records obtained from the Mortgage Servicer
          by ceni"Jicd mail at the last known address of each sucb debtor in accordance with Jaw. Based upon these records, each mortgagor was
          alive at the time of the foreclosure sale or if deceased, title was restored to the debt owner tbrough a court judgment, or an
          und~ter's approval letter obtained.


 6.      At the lnstructions and on behalf of the Mortg;lgll Servicer, Notices stating the time, place and terms of sale of the property were
         mailed, posted and filed in accordance with Jaw Notices were served on each debtor oblig;rted on !he debt according to records
         obtained from the Mo~ Servicer by certified mail at the last known address of each such debtor at least twenty one (21) days
         betbre the dale of tlte sale.

 1.      !brollgb my work at the finn, r lalow that the finn fuUows a regular process in fum:losme matter$ to ascertain a GraQtor's military
         service strros for· purposes of the fedora! Service Member's Civil Relief Act and state law. 1 am familiar with tbis regular process,
         which involves submitting Grantors• names and lclentit)ting inful'llllltion obtained from the Mortgage Servicer or comrneroially
         available records swches to the iMeral Defense Manpower Data Center (uDMDC") through that agency's offielal internet search site
         (the "DMDC Site). Based upon my review of search returns obtained and maintained in the firm's files, no G:rantor is reported as on
         active duty militl>ly service or liS having condu<led active duty mil\taly service within the preceding nine >nQnthll.




STAIEOF
COUNTY OF
                        TEXAS
                        DALLAS
                                                         c~~-----·-·····-          APR 0 &2011
         Gii!CII under my hand and seal of office rhi~ -----· day of ·-----------·-·--· ,

         Notazy Seal:




                                                                               FILED AND RECORDED

                                                                                 ;}~2011052994
                                                                                            •       u      n:34     An
                                                                                       Apr- • 4 • 20
                                                                                                  !!ERNSTA: $20,.00
                                                                                                     ·,. county ct.,-1<
                                                                                     onna l)cB:eauvoJ. 1
                                                                                        TraY iS eounty TEXAS

Al'F!J:>AVIT· 1444
RETURN TO:
   BARRETT DAFFIN FRAPPIER
      11JRNER. & ENGEL, U.P
      J5000 Surveyor Boulevard, Suite l 00
      Addison, Texas ?SOOI
                                                                            llllllllmllOOUII ~WIIIII~IIII~Imlllllllllll~llllll~lm~
                                                                                                  STA2011003!401666
                                                                                                                                   II~~~ ~I liD
      All'"ld.ovit·ll•o:hl'Mt. ~ • (12JJ0/2010]/V<r·l7                                                                                   Pa;e I45S ofl720
  Exhibit ''C''
 Notice of Appeal
dated April 9, 2015
                               CAUSE NO. C-1-CV-15-000869

FEDERAL NATIONAL MORTGAGE                        §          IN THE COUNTY COURT
ASSOCIATON A/KIA FANNIE MAE                      §
     Plaintiff                                   §
                                                 §
v.                                               §
                                                 §          AT LAW N0.2
LENNY ACEVEDO and ALL                            §
OCCUPANTS OF 1108 FOX SPARROW                    §
COVE, PFLUGERVILLE, TEXAS 78660                  §
     Defendants.                                 §          TRAVIS COUNTY, TEXAS

                                    NOTICE OF APPEAL

       Lenny Acevedo notices this Court of his Notice of Appeal to the      3rd   Court of Appeals,

from the Judgment issued on April 21 entered in the clerk's record on April 6, 2015.



                                                            Respectfully submitted,




                                 CERTIFlCATE OF SERVICE

       I, the undersigned, hereby certify that a true and ·correct copy of the Notice of Appeal was
sent on April9, 2015 by U.S. Postal Service to:

       Mark D. Hopkins
       HOPKINS & WILLIAMS, PLLC
       12117 Bee Caves Rd., Suite 260
       Austin, Texas 78738
Exhibit ''D''
   Surety Bond
dated April 9, 2015
                             CAUSE NO. C-l-CV-15..000869

 FEDERAL NATIONAL MORTGAGE                 §         IN THE COUNTY COURT
 ASSOCIATION A/KIA FANNIE MAE              §
        Plaintiff                          §
                                           §
 v.                                        §
                                           §         ATLAWNO.l
 LENNY ACEVEDO and ALL                     §
 OCCUPANTS OF 1108 FOX SPARROW             §
 COVE, PFLUGERVILLE, TEXAS 78660           §
        Defendants.                        §         TRAVIS COUNTY, TEXAS

 KNOW ALL MEN BY THESE PRESENT,

 THAT, WHEREAS, judgment was rendered on the 2ndt day of April, 2015, in the

 County Court of Law #2 of Travis County and State of Texas, in favor of Federal

 National Mortgage Association and against Lenny Acevedo and all other

 Occupants in Cause No. C-1-CV-15-000869 for possession, from which judgment the

 said, Lenny Acev edo desires to appeal to the 3rd Court of Appeals ~t Austin,

 Texas.

 NOW THEREFORE,· I, the said appellant Lenny Acevedo, as principal, and

..$lcihMc   Mr.iy   and Ctn'l,ktmo &wyt/ as Sureties, acknowledge ourselves bound to

 ·pay to the Appellee Federal National Mortgage Association, the sum of $500.00,

 conditioned. that said appellB!lt shall prosecute his appeal to effect, and shall pay

 off and satisfy the judgment which may be rendered against him on said appeal.

 Witness our hands this qrl\ day of April9, 2015



          ~~-~
          LeACeVedo                            Principal
                                     Surety




The State ofTexas            }
                             }SS
County of Travis             }

                                AFFIDAVIT OF SURETY

l,~kf , do swear that I am worth, in my own right, at least the sum of
$500.00, after deducting from my property al1 that which is exempt by the

Constitution and Laws of the State from forced sale, and after the payment of all

my debts, and after satisfying all encumbrances upon my property which are

known to me; that I reside in Jf<AJ ', c:..,   County and have property in this State

liable to execution worth said amount or more.
                                                                    j   '




SWORN TO AND SUBSCRIBED BEFORE ME this                    ,~ day of Aprilj_, 2015
                                                otary Public of the State of Texas
The State of Texas                        }
                                          }SS
County of Travis                          }

                                     AFFIDAVIT OF SURETY

I, C,: ·\lgw.z ~4 do swear that I am worth, in my own right, at least the sum of

$500.00, after deducting from my property all that which is exempt by the

Constitution and Laws of the State from forced salef and after the payment of all

my debts, and after satisfying all encumbrances upon my property which are

known to me; that I am a property owner in                7fl.Av', ~        County and have

property in this State liable to execution worth said amount or more.




                                                            •   ~fl.            •    tl,
SWORN TO AND SUBSCRIBED BEFORE ME thts _-,_day of Apnl L,
                                                       0
                                                          2015.

               ktVIU tllRWIRfH
          kotarv PUblic, Sfote Of texas
            Mv C:omm!Uion bPlret
              October 21. 20n

                                                  _/

I hereby approve the foregoing Bond, this _            day of April, 2015



                                                 County Clerk
                                                                                        ACCTNOI                         **•9225




                      PAI ISO AUSTIN TX
                      000000006668 TX48036 Mar 31 ® 1:29pm
                 ·'surcharge 2 . oo
 MARll      ATM TXN FEE                                                                                                                         l.                                                so                                1.1.775.95
 MAA31      ATM•Wl'l'ID>RAWAiik..\i·                                                                                           -;·1,%~;~1.ti''~02                                              .oo                                  3.15'73. 95 .
                      PAl ISO AUSTIN TX
                 ·&   000000006169;;.'rX48036 Mar 31 ®'*1'i 29l!)llt:~:<'"i¥c' · >'•>~:"'I·'"'"· ·
                      Surcharge 2.00
·'MAR31·.' ATM        'Tl!Nc~FBB<):(<\#¥-tz;                                                                                                '·~~·~~~t!i~¥;u:"-...                       :,1.~:so            ·,                      iHS!72\ 46••,i.:i,\:·
  MAR308 DEBIT PURCHASE                                                                                                                                                                     8.65                                    11563.80
,-...v'{j<>••!Jit74l> · -!tSXAOO · 03591~8.~.Q6'l,:Pll'tlUGERVIDLE·•TX·.·                                                              •·: < ~~i~.                                   :¥!;~        '""
              #          508900028974 12345678 Mar 30
<ilo!AR31~00I-'l'•1'URCHASE        ··· f ~~~Y~·.. ~ •>'/ ,,.·<;., ; ·-A                                                                                                                                                             11242.06
                      VZWRLSS•lVR VN 800·922·0204 NJ
                  · S0900002897S · 1234$678 'Mar '31 ·
 MAR3l      CHARGE FSE • PAPER STATEMENT I?EE                                                                                                                                               .2.25                                   1.1:2.3~.1ll


                                                                                                  Cleared Share Draft Recap
                                                                         Alllolmt .'Draft'#                Dattf • '!;W-";,.<sAfliO\Uit.• Draft lt ··Date                                                                                Alnount

            •US9 .,,,, "MAft11"'"':'                                       ·.98.04 .•u6s#:;N                                :MA~U:e·,-;;;·                           \>;'1,90~0.0<,     •1194              ~ • <cc.•'MAft2 3              ?8.84
             1160       MAR OS                                            lSS.l.2 •U67                                        MARlS                                   505.00             1195                       MAR.23              3000.00
            1161                     ·MAtt12·                         · 350.00 1168                                           MAlUS>                         .   ··~500.00.              1196                       MAA30 ' " 1500.00
           •1Ui3                      MAttl3                            100.65 •ll93                                          MAR1.S                                    45.00            1197                        MAR30              1900.00

             1-------------------------------------------------------------------l
           • 1_,_y,;>                            ;;;;;;.iW.\:~to~·\lNfor·· ,,,,,.-, 'l'otal · 1
             I                                                                                                                    l        this period                           I    year-to-date                             I
             t Jlloltf4111•:-'1oi,~<!P -"'!:...-~ .. ~~ ..... ..;.,_..... _.:;. .,<............... -,...~ . . . .~:.;'.,. '~"'J.'4:1,..,4:;.-p-~t.-,..''*~" ...4""';~,~--:loo , ......'\¥*~"'........... ~->i!'".O....:i'!~/~.. t
             ITotal Overdraft Fees .•..•.•...•.•..• I                                                                                                                   o. oo I                                   o. oo I
            ·1-'l'otal Returned Item ·Pees "• •..•.,;.;. • .j                                                                                                    ·.'·>o.ool >·               ..,.,.               O;OOI
             1-----------------------------------·------------------------·------l
             ···-······-------------SUMMARY---------··------------                                                                                      /;,'

             Previous Balance as of 01 MARlS .....•                                                                                                .,~,~0
                                                                                                                                          "-·,;ti,· .. · .., . . ,
            Total of 12 Share Drafts for ........ ,                                                                                                         8422.65 -
            Total of 120 -Othe~ .J;>ebi-ts for ••.••••• ;~.                                                                                              . '9461-i-54' -
            Total of 18 Deposits for ............ .                                                                                                         1493.50 ..
             Total of 2 Othe-r tCl'edi te for . -:'7 ...... •                                                                                          \,,,-M--0.3 :eot .•

             Ending Balance as of                                            n MAR .-1~ ... .: ....                                                        1123!1.81

                      continued on page 12


                                                                                                                                                                                                                                             -c&ttiNDER
                                                                                                                                                                                                                                              ~lnsutedbyNCUA
Lenny Acevedo
1108 Fox Sparrow
Pflugerville, Texas 78660
April _, 2015



Dana DeBeauvoir
Travis County Clerk
Travis County Courthouse
1000 Guadalupe Street
Austin, Texas 78701-2328

                       RE:       Federal National Mortgage v. Lenny Acevedo,
                                 Cause No. C-1-CV-15-000869

Dear Ms. DeBeauvoir:

     This is to notice you that on this day I have appealed the Order issued in the County
CourtatLaw#2on~b           1
                             z
                             UlL .
        I request a copy of the clerk's record in the above styled case, in its entirety to be sent to
the 3rd Court of Appeals in conjunction with this appeal.

       I am including my Affidavit of Inability to Pay for the record costs.

                                                       Sincerely,
     Exhibit ''E''
Correspondence to the clerk
     and court reporter
Lenny Acevedo
1108 Fox Sparrow
Pflugerville, Texas 78660
April_, 2015



Amanda Anderson
Court Reporter
Travis County Courthouse
1000 Guadalupe Street, Room 211
Austin, Texas 78701-2328

                       RE:     Federal National Mortgage v. Lenny Acevedo,
                               Cause No. C-1-CV-15-000869

Dear .Ms. Anderson:

       This is to notice you that on      ·s day I have appealed the Order issued in the County
Court at Law #~on      ·          ~\


        I request a copy of the reporter's record in the above styled case, in its entirety to be sent
to the 3rd Court of Appeals in conjunction with this appeal.

        I am including my Affidavit of Inability to Pay for the record costs.

                                                       Sincerely,
Lenny Acevedo
1108 Fox Sparrow
Pflugerville, Texas 78660
April _, 2015



Dana DeBeauvoir
Travis County Clerk
Travis County Courthouse
1000 Guadalupe Street
Austin, Texas 78701-2328

                       RE:       Federal National Mortgage v. Lenny Acevedo,
                                 Cause No. C-1-CV-15-000869

Dear Ms. DeBeauvoir:

     This is to notice you that on this day I have appealed the Order issued in the County
CourtatLaw#2on;:rb        1
                             z
                             UlL ·
        I request a copy of the clerk's record in the above styled case, in its entirety to be sent to
the 3rd Court of Appeals in conjunction with this appeal.

       I am including my Affidavit of Inability to Pay for the record costs.

                                                       Sincerely,
  Exhibit ''F''
Deed Without Warranty
  dated April4, 2011
                                 Deed Without Warranty


Date:

Grantor: Leonard Acevedo

Grantor's Mailing Address: 1108 Fox Sparrow Cv.,          Pflugervill~ TX   78660


Grantee: John R.ady

Grantee's Mailing Address: 13276 N. HWY 183 #204 Austin, TX 78750


Consideration:

       Ten and no/100 Dollars ($10.00) and other good and valuable considerations the receipt of
which is hereby acknowledged.

Property: (including any improvements): 11307 Lake Dr. Austin, TX 78748

Legal Description: LOT 1, BLOCK C, KUEMPEL TRACT PHASE 3, SECTION FIVE, AN
ADDITION IN TRAVIS COUNTY, TEXAS, ACCORDING TO THE PLAT OF RECORD IN
VOLUME 2002, PAGE 318, TRAVIS COUNTY, TEXAS

Reservations of Conveyance:

        NONE

Exceptions to Conveyance:

        Subject to the easement<;, assessments, restrictions, mineral interest'l, covenants and conditions
of record against the herein before described Property if, any.

Transfer of Rights:

       Grantor, for the Consideration mentioned above and subject to the Reservations and Exceptions
mentioned above, grants, sells, and conveys to Grantee the above described Property, together with all
and singular any rights and appurtenances thereto in any way belonging, which Grantor has had or may
have had since the beginning of time and forever to have and to hold to Grantee and Grantee's heirs,
successors, and assigns forever, without express or implied warranty including warranties under
common law as well as those stated in section 5.023 of the Texas Property Code (or its successor) are
excluded.

  This conveyance is intended to include any property interests obtained
                          by after-acquired title.

                                                     13
.-------------------~------~---                                ·-




    This conveyance is intended to include any propertv interests obtained by after-acquired title.

    When the context requires, the singular nouns and pronouns include the plural.




    THE STATE OF TEXAS

    COUNTY OF WILLIAMSON

          This instrument was acknowledged before me on the 4th day of Am:il, 2011 by Leonard
    Acevedo known to me to be the person whose name is subscribed to the foregoing instrument and
    acknowledged to me that he executed the same for the purposes and consideration therein expressed.



                                                            !/       /
                                                                         ~------
                                                                              7     ~'.·
                                                  .----:ifv.,'
                                                     /~9'¥ARY
                                                               -~~- --
                                                                    PUBLIC OF THE STATE OF TEXAS




                                                                         e    KEVIN BIERWIRTH
                                                                              NOTARY PUBLIC
                                                                                State o1 Texas
                                                                             Comm. Exp. 0913012013




                                                               AFTER RECORDING RETURN TO:
                                                               John Rady
                                                               13276 Research Blvd #204
                                                               Austin, TX 78750




                                                       14
  Exhibit ''G''
    Deed of Trust
dated October 30, 2003
        _ _ _ _ _ _ _ _ _ _ tspa<o,..._Tlllii.Inol!'..--JIOolal----------

                                                          03-lll5275                         0006~5978928lOaOJ
                                                      IBsero,./Clo#l.n!l tl                         !Doe l1> IJ


                                               DEED OF TRUST
                                                                       ~l000l57-0003l41354-1




        DBPINITIONS

        WOU!o USC<! in multiple sec:tiOZJS of lllis doc;nmentaxe dcimed below m4 other words am defined in Section:s 3,
        II, 13, 18, 20 and 21. Cettaln l'llles rcgateliag !be usage at word.~ 11300 in this document are also proYided ill
        Seclioa ](j,

        (A)"Sec:nrilylnstnmllmt"meanstltisdocllmcnt.wflicbisdalcd octOB&R JD, 2003                          ,cogetberwith
        an Rider.~ ro !Ids clooomeot.
        (B) "Borro\ftl"' is
        LEm."Y l!.CEW:OO, A SINGLE PERSON




        Borrower Is lite gmntor Ullder !lli1; Security ln:luumcnt.
        (C) "Lender'' ~\
        AMERlCA' S 1'/llO:t.ES.lU.E I.BNDER
        l.aldeo'is a CORl?OAATrON
        OQI&IIiud OIJd OJ<isf.ii,g: under 11lc IBW$ of m:if YO!'$                           • Lender'slllll1r= i$
        ~.o.  Sox 660694, Dallas, TX 75266-0694
        Lender iocludcs any hol<!et of tho N<Jle w!lo l$ entitled to recc.ive paymenwunder ~Note.
        {.l>) ''Trustee" i.s
        CTC ~ ESTATE SERVIC&S
        Trustee's ~is
        400 COUNTRYWIDE WA~, MS~ SV-88, SIMI V~LEY, CA 33065 ,                                                   .
        (E) "MERS" i$ Mortgage Electronic~ Syslcm.~. Tnc. MmS is a 8eflOOIIe rorpomdonlluu i3 acling
        solely as a no•lrlnoe ror Lender and Lt,nde;t's successms and assigns. MERS is a bellldiclllr7 under Uris
        Sceutity ~t. MERS is Q1&8!1izcd and aL'11ing uudec lhe laws of Delaware, mtd bas an ~ and
        telepllone numberOCP.O. BOlt 20:26, Flint, MI 48501-2026, ~l. (388) 6'/9-MERS.




        lE:XJISoSno"' Family.f'trnllle M-'l'roddle Mae UNIFOI!M INS'IRUMI9ll' WITH I\IBIS
                                                             ~1ol12                             ..,,_,_!;jt.
        0&,-«A(JX)!0005).01     CHt. (12101)(dj VMPMOI!TBAGEFORMs ·(80Q)S11-729t                            Fonn 3044 1101
        COWNA




                                                                                      92811110110t1Hl~A·
                                                                                                                    I
Austin Data Inc.            TH          ADI11909          TR         2003260223.001
                                                                                                                             47
                                                                                        47
                                                                              DOC ~0 f: 0000~597892910003
         (F) "Note" fll'"...!lll8 1he promi&SOI)' note signed by Bouower and daled OCTOBER 30, 2003   , The
         Note Rlates that 'Bormwet Owe! Lmdet
         ONE: RlJND.REtl F~F7ll ami THOUSAND FOUR BONDREO f'lnY IU'Id 00/100

         Dollln(U.S. $ 151, ~50. 00               ) plus interest. ll<m'<>wet bas promiBed to pay this debt in ~<:gular
         Periodic Paymenl8 an4 to pay the: debt in lUI I J'lo~ later tbao NOVEMBER 0 l , 2 03 3
         {G) "Property"~ the propertY !bat is ~rilx:d below under !he beudin~ "Transfer of R.lgbl'                 !he:m
         Prop<'lly;
         (B) "Lrum" lllCfiiiS!he debt Bvidenood by the NOta. pi~~>~ iuterest. any prepayment cl!atgell and lare c~
         due under~~~~ Note, ami aU l!lllliS due onder Ibis Sccl>rity Instnnnen1, pb>$1ntQe&!.
         (,l} "ltidets" meam ~ ~ 10 1bis Sllalri-cy ~t that li!C ~led by 'Borrower. The fol!Qwing
         Rid= are to be execuled by B1JI10IVCt [check box as applicable]:

          GiJ Adjuslablc !tate Ride!:
          0 BaliOOil Rider
                                           §     Condomlniom Rider
                                                 Planned Unit Development Rldet
                                                                                  §    Sccm~\1. Home Rider
                                                                                       1-4 Family Rider
          D VA RR!ct                             Biwccldy Pa}'l1l"ttt Ride; .          Otl1eo-(s)[specify)


         (J) "Applicable Law" means ai.J COIIttollinB: appliOOJ!c li:deml, SI8IC BDd local ~ teplalions,
         Old.ituwces IIQd adminislradvc rules and orders (lhaf. bay., the efteel of law) "" well JIS all applicable final,
         DDJioappealabJe jOOlcja] oplniODB,
         (K) "Colmnnn!ty Assodatioa Dues, .Fees, and ~enls" DIW18 all dues, ftce, ~ and odlcr
         chatges lllat ate Imposed on Boorower or tbe Pnlperty by a ~dominillnl ~lion, homeowners
         assoclllli<lll or simi!IU' orx;miz:ali.oo.            .
         (L) "Eloctrolllic: Fwlds Tnmsrer" ~~leaR$ any ll'ltllsl'er of funds, other lhan a lnlmlB.crloo originated by checl;
         draft, or similar paper~. wflich is Jnitillled lhro"8h liD electronic tetmillal, ~eleph<m!<: in~l,
         COUij)ll\cr, or magnetic tapt so as to order, inmru.CI, or authori2& t> fltQftcial i.nsllttnloo 10 debit or etOOit an
         oocoont. Snclt tl:m1 includes, bot is not limited 10, point-of-sale llBD&l'era, antoma!Dd Idler msochino
         l1'81:1$actlons,lt808fers iflitia!W by rdcphonc, wire b'IIDsfetll, aud Jm~DlXlallxl clcatilJgbouae lm1SfcrB..
         (M} "Escrow Items" means Clrosc: itam that are dtscn'bcd in Sectioo 3.
          (l'Q "MiseEIIaneoos ProcEeds" Jllcans any co.mpe11S31loQ, ""'11lemoll, award of damlq:es, 0<: ~ paid
          by a:ny third pa~ty (olher' than insuranco ptWeed.'l        uncles tile «J\'enlgc11 dcs<:ribc:d in Secllon 5) tw. (i)
         damage to, ar des!ru~on of, lite l'roperty: (ii)                     ·on or Dlha laldog of all or any patt ol the
          Property; {iii) COIIVCyanoe in 6eu <lf conatmuatioo;. r (lv) misrcp~CBe~Ualiom Of, or omissions as kl, the
          vahw and/or 1:0rufllioo of tile li'ropeey.
          (0) "Mortgage Insuram:e" meaD$ inmn.Jlcc: pro
          lhoLQan.
          (P) ·~ J"aymmt" means tbe re8UIIIriY sdled                   amount due for (i) principal and interest lJ!Idu lhc
          NO(C, plus (il) ""Y amcmnts 1lOOu Seclion 3 of lb~         · ln:llnlmcnt
          (Q) "RES'PA" ~ thri Rr.al &late SealemC&t P                       Ac;~ (12 U.S.C. S!;Ction 2601 a seqJ Wid i1s
          impl=lng regu.la!loo, ~gubniDII X (74 C.P.R.               3$00), M dley migbt be a~nc:nd'ed from lim~ to lime,
          or any add'lllonal or s = r Jcgislallon or "gulu · th.it goyc:an 1be JaiJlC sub,jcc:t maner. ilfJ liSed ill !his
          Security Jnlllt'tUnent, "RBSPA" '"'fera 10 all rcq1w·rem!Fn1ll and ~1:1\008 lltlll are imposed in regard to a
          "fcdernlly relata:! ftlOI'Ig>l@C loan" even lf the !.om      not qualify as a "fedenllly n:lated IIKl<tpgo Joan~
          Olldcr RESPA.
          {R.) "Su~ In mten6t ot B<>m~wer'' mtm~&                   party that has !!alren title to lhc. Propeny; '11helhcc or
          not that Jllll'tY hiiJliiSSillllCd:Borrowel's obligations  llleNotcand/orlhi&Seo;urity lll811'11tfte1!t.

          TRANSFER OF RIOETS IN 'l'RE PROPERTY
          The bcndicia;:y of thit Sc:curity I,..U1lmeDt i$ MERS       el.y a$ nominee f(l( Lendnr and J..cQda's sucoess:orw
          and assigns) and !he Sllcce.sliO!ll ll!ld assigng of MER . This Socurity l'nslnlmenl secure.,- to Lcodcr; (0 th~
          ropii)'DlCnt of the Lou.. AAd all .renewals. ~lcositms · modificsti<ms of the Note; and ('ti) lhc ~
          of BotroWc:r's covenants 21nd agtt>ements llhdet this            ty ln!llrmrltOt and the Note. For !hi$ pmpose.
          Booower inevocably granmaod convey~ to 'l'nlstlOe,          trnst, with poi"Q' of sale, tile rollowinr dewibcd:
          property located in the
                                 COONl'¥                         of                         TRA\>lS
                        rr1J>O orR<ooolior .luriodi<lion!                          (Namo afR.....!I"l!~ool




                                                                PagaZol,2




Austin Data Inc.             TH        ADI11909             TR      2003260223.002
                                                                                                                                  48
                                                                                           48
                                                                               DOC ID J: 00004591892810003
         !.01: l, BI.OCK C, KOEMPEL TRACT PHASB 3, SEC:riON FIVE, 1\N Al}DITIOII IN
         TRAVIS COUNTY, TEXAS, ACCORDING 'lO IliB PLAT OF RBCORD IN VOLOME 2002,
         PA~    316, TRAVIS COUNIY, :rEXAS.




         Parcel IDNurnber: 02784001340000                      whl~h currently has !be add.R:ss of
                                1108 FOX SPARROW COVE, PFLUGERVILLE
                                                          {8-.!Ciey]
         Teus       7B660        {"Propc:rty Address"):
                    (ZipCadoJ

               TOGBIHBR WITH all the lmprovemems oow ot bereafter ~ on lbc propc.tty. and all oa~~emeniS,
         appartc-, and fixtures now <>r hc=oftet a port of me property. All repl3c......,la an<!. additi""" sball abo
         1» oovmid by lhill Security In.truo>cnt. All of the C(lregoing ig retcaod 10 in thi& Secmity Lt$tmment as the
         "Property." Borrower undemands an!l agrees !hal MBRS llokls Ollly lepllill\liO t!Je inlcRSb; granted by
         BDtrOWe:r iJl iiU$ Se=ity Jnstrome!Jl, but, if neeessaey 10 comply ll'ith law t1r CIISiom, MERS (as noroiuee for
         Lc:nder 8lld Lender., socccnom and    amans}    has !he right 10 exertiae aoy or all of those inb"eSIB, including.
         but Pot limited 10, tbe ~b~ 10 furecla;e and sen the PmpGrty: ;nul 10 lab any act!On required of Lender
         including, but not limited 10, reJcM.iog Md <:anccling lhi• S«mity IoS\1'1Jtnent.
               BORROWER COVENANTS lllet lJOIX'OWCt 1o lawfully scised of the e51:Bte hereby conveyed ll!ld has
         the right to grant and convey me. Property and !hat the P~ is uneooombcn:d. e~"'Pl fQ< encumbrances
         of .reeotd. Borrower wammts IUld will defend geaenilly the tiUc lo the Pn;lpetty against all Clainm and
         dcmlmds, :t~~bject to any CllCO!IlbmtiCes of =nl.
               THIS SECURITY INSTRUMI!NT OODibines wilono co-ts for 1111tl011al u:JC and 1100-uni!Orm
         covenan~& with limited vari&tiOIIS by juri$dielioP to constilu!e a unifotm security instntment oovcriog real
         propcey.

               UNIPORM COVENANTS. BOITOWU and Lender =ant 811d 118=M follows!
               1. Psymeot t>l l'dndpal, !Dterut. Escrow Items, Prepapuent Chsrp;, and Late Clmges.
         Borrower shall po)' when due lh" pl\n~ or, and intctm. 00. 1bo deb\ ""iden<cd by tbll f'lo10 11111111I17
         pup~cyU~eDt ell~ and Jllle charge$ due ll!ldtr tile N~. »ooower llltall alSO pay ftmds for E&t:tow lllllm
         pumum1 10 SeclioD 3, Payments 4ue under lhc Note and lhisl Secmity Jnsllv:mem shall ·be Dllldc in. U.S.
         tlllWJI.C)'. :However, .if any cbedc orolbez intltllmmt l'C<1l>ived by Lcndcc as payment under the Note or Ibis
         Security l'nslrument is rctumcd to Lender UDpllid, Lender may n:qnitc lhaL any or all soboeqncnt paymen18
         due Wider Jhc Note and this ~ty lnslnlulel:ll be mado in on~ or more or tlK: :following furm:l, as J!Gicc!Ql.
         by Leodcr. (a) cash; {b} money Older; (c) ce.nirJed check, baJik: meet. ~B dtcck or cashiets chock.
         provided any Sllch cbe>ck .is dlaw.t upon an 1nstin1tlon wltolle deposirs all> inlllltcd by a fcdctal ;~gcncy,
         lmtnanentaUI)', or ~mllty; or (d) I'!JecltOnic Ponds TlllllBf'er.
               Paylnenl!l are deenlcd received by Lcndct wheJI rcecived at !he Joca!ion desiBQatcd ill tbe Note or at
         ruch other loeation DB may btl deaigJ>atod by Leoder In ~ec with lhc ~ provisiom in S«6on 15.
         Lmdcc lll!ly -        my payment a: plflial p!!ynt<)llt if the payment or parual pB)'JIIeUI!i arc Insufficient 10
         bring the Loan cu=tL Lender may lll:CCpt aoy JmYIIlenl or putial J11!.Y1Xlellt insntf!Cient to bring llle Loan
         CUI1CDt, wilhOPt waive< ot lillY rigllts hctWndcr or prejodicc 10 iw riglliS to refuse sutb :pa}'fllem or pmial
         paymencs in Ute flltlw, but LcOOcr is 110t obltp!ed 10 11p11ly tlldt JI8Ym~ Ill. the time lmdt paymenu me
         acctpted. If c:acb Periodic; Payment is applied as of its sclicdulcd dltc dale, !hen Lender need mrt pay loterem
         on llllllpplicd funds. Lender may bold such U113J1Piicd fondA until BOllOWU mobs payment to briQg lhc Loen
         cnmru. lf Borrower doa n01 do 8() witllin & reasonable period of lime, Le!>des row I either apply mch funds
         or rctum them to Borrower, If not applied earlier, Slleh lwxfs wiU bo appllod to t1ze Qlllltanding principal
         balance under 111& Nom immedlately prior 10 f~~ No offse~ or claim which Bonowe:r migbL bave
         now or in me fulUI'Il against.Leuder shaD relieve Boxrower from making J)ll)'lll""UI\M unc1e1 !he Nme and
         this Security l~ or pcrf'orming !he coverultllll and aa=tnenl8 secured by this Security Instrumem.
               2. Appllmlioo> of Paymenra or Procetda. E:l!cept >1B olhetwise de3cribec! m Ibis Section 2, aU
         paymMI:! aocepted and applied by Lendtt shall llC apPlied in the following Oldef of pdorlty: (a} mrerest doe
         under !he Note; {b)~ duo UIIdcr the llo'ole; (c) amoUR\!! due. under Scclion 3. Such ~IS sh!JD be
         applied to <*II Periodic Pli)lm<:nt in lhe otdCr in which it became dlte. MY renWning amoum.a shall be
         applied fim 10 late charges. secoml ro any olhe( amow>w doe under !his sc:cmily ftl31rumert~ Mel th(;n to
         nx!l~Ge the priociplll bBIIIJice of the Not¢.




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                 If Lc:mler =!Yes a payment li:om Bonowez for a dcfmquent Pc:rlod.l~: Payment wflicfl includes a
         Sllfficient emmmt topsy any laic cbaq:e due:. the payment may be applied to lbt> delinqnellt payma~t 8lld the
         !aLe cfuuxe. It momlhm one Petiodie Payment is oufalallding, LePclcr lll!l)' apply any JIIIYmenl s=ivcd from
         Bonowct to the n:peymcnt of llw Periodic Pa)'tllCllt!! if, 1111d to llHl exte111 thai, each payrnea1 can be paid i11
         fi:lll. To lhe ex:leilt thai any excess exiSIS afler rbe payment Is appii.cd to ~ lillt payme:nt of one ot mom
         Paiodie Paymet~ts, rucll ellte3S me,y be app1ied to any tare charges due. Vollmlllry prepaymmrs sball be
         applied. fim to any prepayment chalge& and lhelles described in. die Note.
                 Any appl.!couioa af paytllel1IS, ioswsru;e praoeed&, or Mil!collanecus Pt=dato principal du¢ \11\dcr lhe
          Note sballllOI oxtcnd or JlOSipoDe die dut> date. or c:ltaJ1ge lhe amollllt, of the. Periodic' Pll)'ll'IIC!lb.
                 3. FlmdB fOr &trow Uems. Boaower- sflall ,lillY to Lender on lhc day Periodic Paymenls are dill! aoder
          \he Nole, 1llltlllhe ~ is paid iD full, a ll1lln (the "Pllnd&") to provide for payment of amouniS due for. (a)
          w:es IU1d ~ts and olhu items which can atlllin priority ovec thil Secruity !Dstmment as a llen or
         CllCIIIDbmn<:e 011 ~Property; (b) le&llehold paymentll or gomul ~ onlhc Property, if any; (c) premiums
          for any and all illliU!IItlllO ICqUlred by Le11der 11!\dllr SeWon 5; and (d) Mortpgc lnsu~~U~Ce ~-. if any,
          or l!liY sums payable by l!ot:rowcr to l.cllller in UeQ of !he payment of Morfgugo Jnmtrance pttmlums in
          ~ with the provisions of S~on 10. Tbcsc Items are called. "Escrow Itt;ms.• AI origjfultino or at
          any lime dnring !be term of tbo Loan, Leftder may require lOOt Community Assoclalion IJues, Pees, and.
          Aasessm<:n!S, if any, be escrowed by Borrower, md SDch thles, tees and as&eSSme!tlll shall be an Escrow
          liCJll. Borrower sball promplly Curnlsh to Lender all noliccs of lll:llOUOI8 to be paid under this Sc:.;tiDJI.
          Bonower sllaU pay Lender lhe Fllnds fo.r P&ctow Items unleBI!l.aulcr weives Borrower'• obilgmion to pay
          !be 1'\lnds for any ot an Escrow ltemJ!. Lender may waiveBorrowel's obligatioo 10 pay to l.endec Funds f~
          ?.U)" or all ~w llCIII., 11t any lime. Any sn~ waivet '!lilly only bc in writill3- lll tbe event of $llcl1 waiver,
          Borrower shall prty dltectly, wfletJ and whefe payable:. the amoun1S due CO! any &avw llems for wllidt
          Jlllyrlli:OI Of Fund.~ ba8 been waiYe<l by Lender lll1d, if Under ~ $balJ furrtish to J..euder .te.:dpts
          evldwcing .suctJ pll)'llii:DI within IIUCb time pPZiod as I..ender may require. Borrower& obJiplion 1o DJake
          80clt paymenls and to provide rct:cipts sllall for au purpos~ be deemc:d to be a CO\"alllllt and agn:emcnt
          conlalned.ln Ibis Secutity Jnstnm11mt, as tho phzaso "covenaD! md ~ Is liSed in sealon 9. If
           Bonowec i& obli811ted ro pay BIICrow Items dircetly, put5lJIIIlt ro a waiver, aod Bolrower fal13 10 }lay the
           amount due 1br an &crow Item, Lemler may CJtete:ise 3~Siiglns Ulldct Section 9 and pay &tK:b IIIIlOmlt and
           Borrower Bball tileD be oblign!cd Under Sel:tion 9 to NP&l' 10 Lender any wllb lllllOunL Laldix may .revolc:tl
           tile waiver a.s to any or all Esctow I!ems at my lime by a no1itc eiven in ~e wilh Seoction 15 lmd.
           upon nucb revoeatloo, Bo.trowec shall pay ro Le!lder all Plu!ds, ami io sucb "">'lll11S, t11111 are then teqnlred
           wulet" tlW; Scclion 3.
                   Le!lder =Y· al any lime, collect omd llold Fttnds in an lllfiOliJ\t (ll) sutllcient to pennit I..e:ndc:r to apply
           llio F11Dds at lbc time specifu;d 1ll1Jio:t JtESPA, and {b) not to ac;mJille m.a:dmum lll1lOIIIIt a kntlel" an
           require under RESP A. LaKier sllalJ t:~limate tile· amount of Flmds due on tbe basis llf ~ dalll and
           reasonable e.¢mates of expenditure& of future ~w Items or odl.lrwii1C in aOCOtllancc wllh Appl!cablc
          taw.                                                  .
                Tho Funds shall be beld iD 1111 instiNtlon wlulse dcpcsim                 =
                                                                                         insured by a federal agency,
          ituUunl<:nJallty, or entity (inclnding Lender, if Lender is an institution whose d~ts are so insured) or in
          any Fedual Home Loan Bank. Lender sball apply the Funds to P1!J !he &crow hems oo later than the lime
          specified under RESPA. Leader shall not charge BmrQwu for bold!ng and applying lhe Pl>nd8, anmJ!IIly
          anal)I2Dlg the ""CTCW a<:C(IIDJI, or vcrifyiug lhc Escrow Item$, \UIICllS Lender pays BomJwcr ID=t Qn the
          Funds l!lld Applieable taw pcnnlts Under to make socll o cbarge. Unless an agmemcRt is made in writing Ql"
          Applicable Law ""'}Qire9 Inter= 10 be paid o:n 1111> Funds, Lcoldet shall not be teqnlr<:d to puy B~ any
          interest m: earnings on tbe Funds.. Borrower and Lender ~ BgteC in waling, however, that                mtereSl
                                                                                                                  shalf be
          pa\d 011 the Pllnds. Lender sllall give to Botrowcr, withwt ctwge, a11. anmutl. IIC.OOilll(itlg of the Ptu!d$ M
          ~Di!W by Rt!SPA.
               Ir then: is a surplm or Funds beld. in escrow, as defined Wl!b: R.ESPA. Lender slla.ll acooont to
         l'lomlWCf for the ex=s flmds in 8CcOnlancc wilb RBSI>A. If thc:~e Is a sbor1age of Plmds ~d in llllaUW, BlJ
         defined Ullder RBSPA, Lender shall notify BOil"OwCO" "" ~ by RaSPA, and BortO'Im" shalf pay 10
          Lender tlte amount neeessary ID make \1f' tbc shortage in IICCiltlfarlcc wilh RESPA, but in no more !han 12
         montllly paymentt.. lf th= is ~ defleiency of Piands beld in esctOW, as defined under RBSPA, Leodef sllall
         notify Bom:lwer as m:jllired bylU!SPA, andBonowersball pay 10 Lender the 81ll0Wltnec=ary to make up
         lfle deficlcmy in llCICOidanco widt RBSPA, bat in no rnom lfllm 12 monlhly pa~IS.
               Upon paynltll.t in full of all sums secured by Uris Secority Insuwnent. LeudU shalf ptOmptl)' refuad to
         Bonuwer any Pund3 held by .Lendel'.
               4. Chargee; Lienol. B!lmlwer sllall pay all taxes, ass~ ~. lines, and impositiOnS
          attributable 10 the Prqlerty which can I!Jifl1ft priority oyer this ~ty Instrument, leuchoid pA)'Dielll$ or
          ground renlll on lbe Propc:dy. if 3JI)', and Comnumlty Associalion Does, Fees. and A&fessments, if 81lf. To
          tile el<\ton\ that llrese illmiS are '&ctow ~~ Bon:ower tllall.I)Uy !hem ill tile~ provided in smoo. 3.
                 8orrowu mall promptly disebarge any lien which has priority over llliB Security Inslnn1Jent ~nless
          Borrower; (a) 11grces mw.rlting til lhc ~~ of !he obllgalioo seoured by lhc lien in" manner acc:eptable
          to Leodel', but only llDl<mg as Bonowcriapcr\'arJning such llgl"CI!fllem; (b)ronle$1S the lien lngood faith by,
          or defend.~ llgaiast enfuiCeiDCIII of lbe liet! in, legal procecdinga wbidt in LeadcJ's opinion opemte 10 prevc:lll
          the enfotet:ment of die lien while tbosc ptOCI>Cdizlss are pending. bill oaly llll!il such proceedings are
          c:ond.udecl: or (c) se<:ures from the bolder of ~Hen aa ~ lilllistll<;to.y 10 ~ Sllbon1ina<ing !be
          lien to Ibis Security ItiSil'Urllellt. If Lender determine.~ 1lla! My par~ of !he Property is subject II) a Ueo wbicll

                                                                                                        .frjttolo:~.
          CC!l:\-iSA(TX)(OOOSJ.01   CtiL(1ZIII1J                    PBQ84<1!12                                      l'olln304411l11




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         C3ll   :utain prillrity over !hiS Security lnatrumeot. Len(!rr lllliY give Borrower a notice identifying the lien..
          Wltbin 10 day$ of lhe~ on wlddl tb$; no!lcc is given. Bmrowa: shall satisfY the lien or m one ormo:c
          of lhe actions set fort.lubove in litis Section 4.
                  lendec mny Jeqllire 11orrowtt 10 91JY a on&-15111!: cha<!a for a teal estate taX verlfi~tlon ~~ndfor zepOrti!lg
          servil» used by Lcndec in c:onnc:elioo with lhis Lean.                              ·
                  S. l'ropeoV Insurance. Bcmower shalf lteqo !he improyemtnrs now exlsliog or bcrcalter CleC!cd on the
          Pxopmy insw;d spi'll8\ lQSSl by ~. lm.\11'&1 hlclllded witllil1 ~ ltml "wc:mkd oovtlii&C." and my otb.er
          ha2aros incblding, but oot limited to, earthqllllkcs and OoO<b. for wlrich Lcndct I<qW= iiiSQl'lUICle. 'I'hi5
          jnsnrance shall be maintained In 1M ammmlll (mcludl!lg dedtll:tib~ levels) llild !'err the periods tlmt Lendet
          rcqujres. What Lcoder requires pm$UIIJIIIO lbc pttecding 5ente:nees ean change during th" kirm of !be Loan.
          The iasomROc eaaier providing tile i~ sball be chosen by Borrowet sobjc:et to Lcllda's ri8hl 10
         ·disapprove 'BQmlwet's chnlce, which rigbt shaU tlOl bo exelci$0d rmreasonably. Lendec may .require
          Brurower 10 pay, in ~ witb Ibis Loan., eitllc:r: (a) et ~ c~ fQr flocxl zane dell:rmi!Jllb()ll,
          oetlllkaliQn and ~kin£ ~ or (b) a QllcHime ctuugc for flood 2:oac delerm.iuali<Jo ud. cerlifkation
          services and 111bseqneat cllarges each lime remappinp or similar ehanges OtCUt wbicl! reaaorlably mlglll
           alTeet socb detmllination o: cx:nifx:alioo. Boaower :loaD also be l'CSJII)Il8!ble fur the pll)'Illl'lll of any !CCII'
          impo&eO by the Federal Emergency M~t AtellCY ill ~on with the review of any 1loo<J zone
           deletmitllllion teS!Ildr!g from an objection by »orrower.
                   If Bormwm tilils to maintain 811)' of the C0V¢1'88'CS c!=ril»d Above, Lcodez may Obtain ~
           coverage. a1 Lender's option and BoiiOWl:1'8 ~ Lende.t: is lllldar no obligation to purchase lillY
          pani<:ulac type or~ of cov~.o. 'Thc:dnre, sw:11 oo~rarc shall cover J'..t:nder, but might or might not
           ptO!e(:tJlorrowcr, l!ouuwc:r's equity in !he PIOpcrty, oc tlJe CQIIIcnls of !he Property, againtlany ri9k. bazatd
           or liability and might provide ~ or Jesser rovemge lhaB wrur. previously in effect. Borrower
           aeJmowledgeli that lhe cost of the iDSIInlllCO c:overago so obllDo.cd mipt signifiCIIIIUy cxcud die c:ost of
           in~ lhl!ll'lllmlwec cxruld have oblllinod- Any 8IJlOUltiR dis~ by Lender Wide!: tills SCI'tl011 5 lillall
           beoomc additional debt of Bomlwcr =red by Ibis Secvrity 'Io8tnmlcnt. 1M.se a.moonts shall bear inlere11t
           aL lhe Note .ate £rom dte chile of disbutsement 2nd shall !Jc payable, wilh sw:h in!crcr;t. upon notil:e from
           Lender lo Borrowu requesting payment.
                   All lo~ pollciC$ requited by Lenda and m>ewals of such polid...s sball !Jc sabje(:t 10 L.enda'!i
           right 10 disappro~ J\Uch policies, &ball include a ~1atldard mo;tgagc clau.e, and shall 1\111\\c Lender u
           mortgQgec and/or as a11 edditinnal 1081: payee. LeOOer slWl bave tile right to hold dlc pollcies and =cwal
           =tlti~es. If Lendr<r rcqulre;!. llrurowl'!' $hall promplly give co Unaer 1lli ~lp!S of paid pmnil.ll))$ and
           tencwal nollces. lf Booower obllliDB any 1ilml ot insurance CQYe.rago, n.ot odlerwlse req~ by Lclld«", for
           damage to. or destruction of; 1be 'l'ropeny, sut:b policy sbsll inclulle a ~ mongagc clav:sc and shall
           ll8RlC Lender as mortg11geeand/or'asanaddiaooat l09S payee.
                   ln lhe event of loss, Botrower ahall givo prompt notice to llle insmaa<:e Clll'ric:r and L.endtt. Lender Iilli)'
           ~b p100f of loss if nut m:aOO promptly by Bo.rrower. Uoles~J Lender and Borrower othe;wio;e ep:e in
           writing, 81'1)' intumnce ~ whether or not tlJe =clerlylng !nmranc:e was ICijlli.<l:d by l..onder, shall be
           applied 10 tell!Otllllon or cepair of the Ptopefty. if the !estomlion or repair .Ill ecaoom!cally fea.siblc and
           Letldel's securily i3 aot lessened. During rruch repair and .Woratilln peclod, lender shall have the right to
           hold such IIISIJl'alll)C proceed$ until Lender has had an opporllUiity to inspect such Propetty to -               !he
            Wolk bas beel1 eoll'q)1eted to Leuder'B satisf.action, p,rovlded lhi!.l »nch inspec:tion shllll be ll1l<lettakea
                                                                                          m
           pt'OUij)ily. Lender lll1IY disburst ~ for lflc: repair$ 1111d tes10ration a siltgle p•yment or in a series ot
           progreo;s paymett~S u the wod: is oomploted. Unless u ~=t is made ln wmlng or ApplicubJ~> Law
           cequi~tt~ in!l:reSI lo be paid on sncb insurance ptocccds, Lett~ sball not be Jtqoircd 10 p~y Botrowec any
            inlerl>St or earnings on such proceed&. Pees fDr public adjulllcn, or olbcf dtlrd parties, rtlalned by Bonowcr
           ahaa not !Jc paid out of the~ proceeds and sbaJ.I be the sole obligation o1 Borrower. If lhe lellto1111ion
            or repair is not ec:ooomically feasible or Lender"B seourity would be leSSCDed, tl1o imunlnc:c ~ 611all be
            applied to the 8!lml< ~ by tbi$ Se.mrl!,y lnstnJmcnt. whether 0t: not !1om due. with me txc:cs!J, if any,
            paid 10 Borrower. Such iiiS!Irance proQCCds sbiiU be applie4 in tile Ol(!er provided for in Section 2.
                   If Boll'Ower abandons lite Propaty, I..cnder rna7 file,~ and seale any availab~ insunlnce claim
            aod relllled martea~..lf :BOJl'Ower docs not respond within 30 day& to a llOllce fit><~\ Lender that the insurance
           avriet has of'Ceted 10 settle a ctai.nl, thro Lender may negoliate.llod setUe 1be c!U:n. The 30-day pcrlQd will
            begin when the nOiicc i5 given. ln eilher eVU~~ or if Lc:ndc:r acquitc!; th~ Ptol"'rty wder Scctlon 22 or
            otllerw~ Bonowe£ hereby BBSigns 10 Lender <a>~ righl8 to BIIY insurance: proc=1s ill an ammmt
           'POt to e:o:ceed Ute amounw unpaid under Ute Note or thili S=rlty l118111nlleD!, and (b) any adler of :Borrower's
           rights (0\ho:r than !he right to .....y refuti or uncatlled pmniuma paid by BDIIOWC:f} umlel' all ~
           polictas covering the Property, insofar as sw:lt .righiS IUe applicable to the ecvornge of the I>ropeny. Under
           IIlli)' usc: the insurance proceeds eitbe.- 10 repair or resmn: the Propclty or to pay amounts llllpilid Ulllkr llle
           No~ or thl3 S~ lnBinllllet1t, whclber or not lhen due.
                _ 6. O~DQ·. Borrower slmU occupy, eslDbllllh, lind usa lhe Propmy as Borrower's prilicipal
           lC8idc:nce wilhw 60 <lays after the CMCUiiDo of lhill Scc:urtty lns1rumeut and shall oontitmc to occap)' 1bc
           l'ropc:rty o:s BOhOwe.t's principal resldeoce for at least one year aftc.-lhe dale of OCC11Jl81K'Y, unless Lender
            otherwise "8fCCS ;11 wriling, wbicb COD5Clll :;hall 110( be tlllte&SOD&bly witbbeld. or unle~a CXIemlalillg
            circums!llnc:es ~181 Wbich are beyorul Borrowers oootrol.




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              7.    ~BI:i®, Mainii!U:all(!e IIBfl Prolei:Uoo llf the !'ropertr. ~ Bnm:lwer d!all not
         dllSII'Oy, damage cr impair tile Property, allow lhc Property ID detcrilmUc or commit wasre on die l'xapcrty".
         Whelll<:t or 1\01. Btnrower hi residing in tht Property, Som>wt:r >ilaU molntain lbt Pmpe:ly in tJtdtt to
         prevent lbe Propa'l)' from dewiOI'llling or ~ ia valoe doe i!J irll comlition. UD!es~ it i3 detcrminal
         JllllSU8llt to Section S lhat repair or ~WC~J'll(ion is not ~noruicalfy feasible. Jlon'Ow~ s/WI promptly repair
         llle Propc:t~y if damaged to avoid lilnller dererlomlltlll or damage. If lnsllll8ICC or CDJJ<Ieall1a1\011 proceecls are
         paid in c:onnr;Won wilh dmmtge Ill. or lhc taking of,llle Propeny, Borrowetshall be IOBPOnsible Cor repairing
         or res!Orillg the Propetty oaly if Lender bas released ptoc:cedB for 8UClt plllpOSC:8. leJJdet may disOuJae
                                                    m
         ptOCeeds for the repairs and mtOI'alioo a sJnala pnllle.\1 oc in a series or progre:s;$ paymenlll as the woxk is
         completed. lf the Insurance Ot condenmanon proceeds 111'11 not sufficicrJI to repair oE n:swrc lbe Property,
         BoTroWet ls not Jcli.,.,ed of BGfftlwu's obligaUoa for lhe COillpletion of such repair« J'CM()ratlon.
              Lendet OI iiS ~~ge~~t .IXI8Y make· reasonable elllriea upon md ~speeliolls of !he Property. If II bas
         rc:~~IOrulb~cause, Leode£ lli8Y ~ lb.~ intwor of lhe ~q on lhc ~. Let!der shall glve
         Bo!IOW<:t notice. at the timo of or prior to such an lnlUlor inspection spedfying &ut:lu~ali1c ailiSC.
              8. Jl!>mlwet's LoJm Appliealioo. Bonowct tltaiJ bl: in deflrult if, during me Loan applit:alkm process,
         Borrower or any pel'Atlm or enlilies acting at !:he dlrecllon of Botrow1:t « with Borrower's k:nowledge or
         con.~t gavo ma~!y lil.lflc, misleading, or in=<aiB infunnatlon or Slatement!IID Lender (or fluled ID
         provroe Lendec with malel:iallnfonnatlon) in cmmection with tlle Wl!n. Ml>terial tqlrcaeullllions iQclude, bill
         me not limited 10, rq>rere~~lalions Q>llccminll lklnowct$ ~of tbe Propcny as Borrower's pri~
         residence.
               !1, Pl'9l<lelino or L<:nde<'s 112- m the l"nnpa1:y aod Rlgh18 UD4er lids Security lDslnnnent. If
         (a) Borrower fails to perfotnt lbe covemiiiiS and agtcm~eniS oonfaintxl in lhU Securily i!ISil'Ument, (bJ lbcre
         is a legal proceeding thalllligbt siguifiCilR!ly affeet Lender's lnlcrest ia iho l'topeny anti/ex rigb~ undct Ibis
         Securicy l~ (sllc:li m; a procr:oding in banl<n>pccy, probate, ror oondelll!I!IIWn w fodcl!ure, for
         en~ement of a lien which may alllliu priority oVer !his Semuity motnnne12t ex to enforce lawg ot
         ~~lions}, or (c) Bonowt.r has abtitlc!oned me l'rojl<rty, thea Lender IIIB1 do and pay fGt w&ar.en:r ill
         r=ble or apptl)priatc ID protect Le:ndds mtefCSI in the P~ lllld ri&IIIS 111Mfc: Ibis Security
         In5tnlrncBt. mcluding protecting andlor llSSCSSing !lit val~c of the Property, and scwriog and/or >q:llliMg the
         Property, Lender's actiODS can include, bllt an: llO\ limited !o; (a} :paying lilly 8\IIJl8 ~by a lieu which
         has priority~ Dlis Scau:ity Insl:nJI'Oelll; (b) appearing in eoun; aDd (e~ paying reasollllble attomeys' fce111D
         ~t its ii!W'Cst in tho Ptopeny and/or righQ under Ibis S=lri!y Instromenl, ill<:JudiJrg ifS !lllCDred po3itiorl
         in a bankruptcy procccding. Secu<illg lhe Piopcny includes, ooJ Is n.ot limited 10, eot~g !be Propmy ID
         make .repaill!, change Jocks, rq~lac:e or boBttl up doors and windows, drain water ti:om pipes. d.iminate
         building or lllher rode violatimls or dange.roll5 amdit'loos, lltld bave 11tililits tnmed OR or oft". AJ1hougb
         Lender may take acllon undc>: Ibis Stction 9, Lcndet doe.f cot have to do so lllld is 110\ undef lillY duty or
          oliligaljon 10 do $0, It is ~ lbat Lcodcs ~ no liability for not tail:ns lillY ot all at:tion.~ aulhOrb:cd
         under tlba Scc:tion 9.
                Any SD101.111l$ disbm$td by l...eodet u11d::o' liW Scctioo ~ shall beeo~ lldditiol:lal dell\ Qf Borrow~:~'
          seaucd by this Security l'nstru<nent. Therrc 8<1l0lln!S altall. bear illterest a! the Nute rale fmtlJ Ill<> dale of
          disbnzsement and shall be payalilc, Mth such ~ upou tl01io11 from Lcndor to 'liorrower n:qll¢$1.ing
          ~t.
                  lf Ibis Sccwity hlsttwnent is on a lcsscllol~. Botrower sball comply w;lb all ~ prtlvi.~ of 1111' lease.
          If B0nowcr ~ell llle 6tlc lo lhl; Property, tbe leasc:liold and tile ftc ti!lc slltlll not roe::ge Wiles$ Leader
          ~to the metger iu writing.
                  10. Morfga&e ~te. ff Lender .requjred Mortgage !DSillllllCC as a o;ondhioo of moklng tbe Loan.
          BQnower shall Plll' !he premiums n:quired to maintain !he M0lf81lgt Ia~ in dftct. If, fot any teasoa,
          tbe Mortgage Jn.,~UaMC CO\'Crllgc required by Lender ceases 10 be available froru lh<: ~e it'osuJl)r lbac
          previanBlY provided such insumnce aRd Borrower was reqlllred 10 make scpariltely designaled paymcnl3
          Iowan! lite premiUIIJ$ for Mortgage In.'lDmnce, BotrOWCt $hall pay the ptemi\IIDS ll:quited to ubta!n coverage
          sullSlanlially eqoivah:nl ID lito MOII8lll;o lii$Uni!IOC prevluusly jo etrecl, at a cost subs1anlially equivaleotiO
          IIIli COil tO Bt~m>wcc oC the Mangagc Iru;wance prcvioaaly in etfecl, from an altematc mu«gage ll\B\ltet
          oelocred by Lendet. If BUbslll1ltla!ly equivalent Mongago lnsunmo:: covemgo is not available, Borrower &ball
          ~ to pay 10 Leader lhc amount of tbe sepanueJy designated payments that were due wflen ~
          iiiS\Il'&M\C COV<!:Uigc cca'led Ill be in effect. Lcrui(:r will a;:cept. ~ and ~lain these JllfY1llll'IU as a
          11on~bleo loSil reserve in lien of Mm1ga~ lnllllrauce. S1ldt. ~~ =cnc shall be non-refundable,
          IIO>Withsllmding the fact tha.l lhe Loan l9 ultimalely Pllld in full. and lewler mall not be rc<}Qired 10 pay
          B.onower asy intCIIWI or esmings ou 9Uclllos$ .te!Jer7c. lender can 110 loage.r l\!qlllre Joss ~ payn.Milllf
          Monguge 1nsuratzcc mverag<: (in th~ ammmt and for the period llml Lender mqui>u} provided by &II insurer
          ReJected by Lender again becomes availabk, is obtained, and Lend~:~: requires Scpa!lllely dcslgoated
          payments towatd Ule premiums for Mongage IllSlllmH:C.. 1f Lemler requiml. Mortgage IllSili3JIC» as a
          C()lldition or lll<ll;;ng tbe Lo&l and aorrowcr was required 10 mak4: scparafl)!)' designated payments towmd
          the premiums f01 M~ I~. &,tower shall pay t!Jc prcmiurm required 10 maintain Mortg~
          In81lrlli1Ce i11 cff~r. or tO ptO'I'ic!e a uon-.rdiiPdab!e los& ~ unlll Londef's requl!elllClll for Mortgage
          Insurance ends in ~cc wilh any miUt:n agre.cmem betweea BO!JQwcr and Lelldcr J)lQviding for BUcll
          lermination or unU1 ~n is~ by Applicable Law. Nothing In th.is Seclioa lO afi'eclll Bonowers
          obligation to pay in~etCSt at the rate provided in lbc Note.




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                                                                                    00C ID f: 00004597892810003
              Mon~            l.nJnmtce rc:imbnJOcS Undet (or any entity tbBl purcllaSeS die Note) !or certain l0l$CS lt may
         inrut if Bomwe.r docs JlQI rep~zy tbc Loan SIS ~· Borrower is 1101 a party 10 the Mortgage ftm~ta~JCC.
                 Mortgage insoren~ evalu!IIC: lllcir !O!al risk on all sucll insumnce ln farce li:om lim: 10 lime, and may
         cnller lnto a~ts with OlhJ:l" partie$ dial share or mOOil)' !heir rlslc, or r<docc !Qsgez. "Illesc agreements
         8(C oo 1cnns 1111d CO!Idi!ions thtll arc salisfaclmy 10 tho mor~gatt iDBDn'lr and !lie other party (ot parties) 10
         tll<:so agrecrneats. Tho:Ge agrecrn~ may ~ the mortgagO insurer to real<c paymca\S usiug any $0\ltC:e
         of funds lha1 tile I!IOrtgsgc iiiSII~ mzy han available (whicl! may bu:ludc fttnds oblaintd ft()lll Mongnge
         ~:nwmnee pmm'OmS).
                  All a result of these agme<neniS, Lenller, any pwclJase( of the NOIC, another Jnsutt,r, any reln&Dn:t, auy
          other cnlity, or any atnliatc of m;y or die foregoing. Dlll.;y receive (clirectl)' or imtirectly) amiRlll!ll !llat lferivc
         from (or mig!¢ be ~ as) a PQ!tion of B!).ll'Qwe&'& pByme1118 lot Mortil&&C JnsuraJt<>c, in exchange
          for sharing Ot modifying tbc mortgage insurer's risk, or ~tlncing ~ lf S1l<:b ~~ provillcs lbal an
          aifiliatc of Lender takes a share of the insurcn risl< in ~cllaag" for a shmo uf th.. premium~ paid 1o else
         iJISIIrer, the anange.mcnt is often termlld •c:aprivc.teinSIIJ1UlCe.• f'ur\her:
                  {a) Ally such agreemeuls will uot affect tbe amomUs" thl\t :8ort'ower 111\S agreed to pay for
         M~ hlsm'ance, or IUly otller -                       of IU Loan. Such agreeu~mta will not htcreQao Oleo 8l1l1>IDit
          IJonool\'er will owe for Morqage lll51lrante, a'll d tJtey w.IIIIOf e~~litle Bormwer to any rel'and.
                  (b) Ar13 GUth ~ w!II not attec:1 the tigbls B<wrower ha& • if troy • ~lh nsped to lhe
          Mortpge 111B111'11UQe ondef Che Bom-1:11 l'l'oted!oo Ac:t of 1!198 or any otltll' law. n- righiS
          lllliJ'intlude lhe right to receive certaill ~. to reqaest aJid obtain caucdlathm ut ibe Mortaaee
          ln!nmmc:e, In   lla,.,,    lhe Mol'C£81ile Insurance tennluated Q11.1omalicaDy, anollor to .-eccme a ..et'un4 <It
          any Morlgage Iosurauce premiums tbet ~ ube~~Elml at Ulo Cbne ol sud! asnrelladan at
          lerminlllioa.
                  11. A8sigmneut ol Mi8Cd1alleous PrGceeds; For1eitun. All MiscdliU:ICDllll Pro=ds arc hereby
          IISSigned to aud shall be paid 10 Lender.
                  If tbo l'rop<otty is damaged, Sllch Miscellaneous Procec<ls sball bQ applied 10 rcmration or 'll'air of !be
          Propeny. if tho n>S!Oralion or rc:pair is t;OO!Iomlcally feasiblo and Lendcr'll sc:ou:rity i.~ notl=ecL Daring
          8llCb repalr mcll'CS(I)Ia!i011 period. l..endcr shall have the Light 10 hold suclt M'J>~CeUBni:OUS Proceeds Wllil
           Len<lcr ha.!o had an oppom.uity to inspect such Propeny w ecsure lhe wod:: bas been oompftlcd 10 Lender's
          sl\lhl!!Won. Jll'(>Yided the.l ""ch inspoction ~;hall be ..nck:ttaken prmnpdy. Lc>ldet may pay f« !be rq\al!S and
           n:ston~don ill a ~lnsle dil5.~t 01' in a ~elies of pi"Ogrell$ payments as the W'()l'i; iR CQmPlelled. Unless 1111
           agreement Is made in wriling or Applicable Law ,mquireB lnll:rc:st to be paid oa suCh M'm:ell811t011s
           Pl()Cil(ds, Lcotll:r :shall not be teQDin:d to pay Botrower any intt:resl 0! earnings oo web Mi5ccllaneous
           Pro=rls. rt the tcSIX!mlion or ropair i$ not ccononncauy feasil)le or Lender's ~ worud be ICS5C!1ed, the
           Misooll&nc:tllJ~ Proceeds shBD be applied 10 lhe SUID3 secored by Ibis Secwity hls1rllmf:jll, wb~ or not
           tben doe, wiUilbe excess, if any, paid 10 Borrowe.-. S11cb Jdi51:Cl!aneoua l'rocecd9 shall be appli~ ill Uie
           order proy'idcdforio Section 2.
                  Jn the evem of a to1111 mldog, deslrucUon, or loss in 'lllloe of !he Property, the MiscellaQeoll5l'loceeds
           shall be applied to lllc SIDnS sccuted by lhis Security JIIB!nlmCJ11. whcth~ Ot' not !hen due, with dte .,xceas, if
           111\y, paid lo Borrower.
                   In lllc evMt of 11 fl'U1ial taking, dtstrocllon, or 1001 ln val111> of !bc PropertY mwbich the fair mm'lie!
           wlue of the Property immediately bcf01e lbc plllliaiJaklng. de81mclion, or Joss in value is tqual ro 01 gJQter
           tllBn lho aOIOUllt of tbc sums secured by Ibis Security Instrument l01111ediately bet= me partial taking.
           desttuc!loll, or fOSB in value. llllles.'! Borrower and Lender olbcrwiee agrco mwriting. tbc SlllD! 8C'CUfCd. by
           !his Security Inslrament .shall be r:educcd by the 80l0Wit of IW Mit=llancous ~ mulliplied by the
           following flllclion: (a) the lOla! amoun~ Qf llle r;mus sccnred immedh!ltlly before 111e partial ll!ki~~g,
           desrruclioa, or loss in value divided by (b) tbe fait ID!Irht Yl1lue o!' dle Propelty immtdialely before the
           pani&J lak.ing, dt$lruc1i011, or fa;s in V!lluo. Any b>allldCC slmll be pai~ to Bmrowet.
                   ln lbc ev011~ oi a parlial taking, ~lion, or losiJ in valoe of Ibe Pn>porty in whiCb lbo fait Ullld:et
           value o!' 11u> P'l'upcJrt)' immedla1ely bcfon: lite partial taking, destmctlon, or 101101 in value is less IbM the
           DIDiltlnl or lhe S!lDlS lieCllllCd imrnedialcly before me psnlal taki11g, dcstnlCiiol>, or lOss in value, 'llllles3
                                                      m
           Boaower arul Lender orhcrwise agree wtiliDg, the M'tS~ l\'Occcdx shall be aPPlied 10 the smns
           .can-ed by Ibis Stcurity hmrnmenl wbelhcr or not the BIIDJS lltC then dac.
                   lf the l.>ropeny is a~ by ~.or ~ aflel!IO!iol: by LeAder to Borrower !hal tile Opposiag
           Party (a& dcfiood m!he~ sentom:C) of&nl to make llll award to mile 11 claim lOr~ !1onower flUb
           to respond to Lender wilhin 30 4a}'ll af£t:r the dllte the JJOtice is giYaJ, Len<lec is uthori7.ccl to collect IUld
           apply the M~llooeoos ~edi either 10 restomlioo or repair of the Propttty or to the sums secured by
            this Scc:urity Instrument, "bether ot not lho:1 due. "Opposing Par!y• ll1l'8llll the drild pany that owes
            Borrow~:~: Micccllaneous Proceeds or the pa1ty againU whlllll BOIIO\\Ier bas a right of a:cti011 in .n:s&Jd 10
           M'JSCOJJBrlWlls Proceed.'!.
                   BO<rowcr .shall be iu default if any actlon or procccdiDg, wbellter civil or criminal, is begDtt lbat, in
           [.eadc(li judgnn:nt, could l'CStlll in l'orfellllre of the Properly or o1bcr matt:rial impairment or Lcodel's irW:resl
           ip ll1e Property or tights U1100r Ibis Security l!JBirualenL BOJtOW« em eure :mcb adr:faull and, if aeocferlllion
           bas C>OCUae<l, t\li~ "'~ provided in S<etian 19, by cusing the don or prooeedUig to lie dismiss.:d with s.
           rulillg ~~in ~ader's ~t, .~ fotfciture of 1M Pzopet13' or Olbet material jmpalzmct~l of
           LcndC!'s mlet&st •n lbc Property nr nghlllllllder this Security Instnnnem. Tho prnc:<:<ld$ or any award or cl8iJn
           ror ~ !hat are 81tn'bur..ble to the lmpoinnent or Lendor'B lo!OreSI in !he Propc:ny               =  be.eby assigned
          and sball be paid 10 Lender.



          0&,-<IA(Ilq (""""J,OI     ctiL (l~tj                   ""'"7ot12




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                All Micellaneou& Procet:ds that 11<<> not applied 1D tc:o10r11tion or repair of tho Ptopeey &1!1111 be epplicd
         itl the order p10vided for in Se!:tiOil 2.
                11. Bortvwer Not Released; J!'orbe.n'ance By Lender Not a Waiver. &tenSion ot !he time !or
         paymen1 or moc!llicalion of amOltization of~~~~ sums iiOC1.I!Cd by this Scturi!y lnstnnnont gmrucd b,- Lc~det
         10 .B01rower or any Sucussor in Intcresl of Bom>wu sball not opelllle Ul rclea~ ~ liability of'Borrowu or
         any Sut:CO$SOIS in Interest of Bo;rowcr. Lcndct Mall net be requirtd 10 rom- ~og& against: 111lY
         Succcasor in l'ntcN&t of Booowcr ar 10 refuse to ex lend time !or PllYil'l'lrt at othuwisc modify ~lion
         of !be Slm'l3 =11!00 by lhls Sccority Jn:itnunC<It by ~ of lillY rfemaold made by lhe origjnej Bon:ower or
         any Su~ hi Intcre&t of Bouuwct. Any fo~ by Lcrulcr iD cwcisl~~g any rigbt 01 remedy
         indnding, without lialilalkm, Lcodtts ~ of paymelll$ nom thitd ]lersOll8, Clltitics. or Sue«MO!II in
         Interm of Sllrrowcr win amOUDIS Jess lhliD IlK> UI(JUtlt men due, shall not bo a waivcc or or preclude the
         exen:lse of any light 0t remedy.
                U. Joint allll Smll'lll L.bddl.ily; Co-slgueal; SUca85otS aod Assig!IS' Bound. Borrower covenaniS
         and BgrCe~Jiflat Bom>wet's obligatlons and liability 8ball II$ joint and se.oeral. However, any BO!IOWcr wbo
         co-sigas tlli8 Seauity Insliiiment bur does net ~ tile Note (a •oo-sigocl"): (a) is co-signing !lliB
         Sec:utity lnslromenl only to ~ gt!llll and ronvey lbe co-signer'R inlM:St iD the ProJli!I!Y under tile
         IC~lil$ of this Scauity Ins~ (b) is PQI petSOillllly obligated 1ll pay the swns =wed by this Sel:urily
         fnslnuneor.; ond (c)J!3lCCS lila! Lend« and ooyolherBmrowercan agn:c to mend, mod'lty, fotbcarorraakc
         any JlQCOilUDOdati~ witll ~ 10 the: !M»t of tlll8 Security lll$ltllt0Ctlt or dte Nose wi1ho»t the oo-algnc:r's
         eonmmt.
              Subject 1o !he provisions of SccliOn l &, any SnC<:<:SSDr itl In=t of Borrower who ~ BoD'OIVd's
         obligalions llltdcr thi$ Secwiey Imtrume:nt in ....nting, and is approved by Lmder, shall oblain all of
         Bom>wer's rights and bcncfiur under this Secwny Jnstrument. Boaower sh>lll liOt be rcl~ from
         B(U20'1Yet's obligaticms and liability under tbis Security flll!!mmenl nnle&'l Lerulcr agn~CB 10 such .rclea.w in
         writing, The covenants and ~ts of tbls Security J~! sball bitxl (e~l tiS provided Section                    m
         20) and bendit lhf; ~ &fld essigna of Lender.
               14. Loan Charges. Lender may dlarge Booower t'ee8 foe servi~ periOIIIII=d itl connoc!lon wltll
         Bonowet's ddlllll~ Cr:rr lhe JllllPO$O oC Jl!Qiectinr l.c!det's ll\tere8t in !be Propoey and righla under this
         Secorlty lmtnml::nt, I!ICludi:ng, bel not limited ro, attom<>ys' fees. property inspection and va.'ut.tiOtl !t1es. In
         ~d 10 any Otbt(' fees. lbc: absence of eeo:pn>.~ aulhoril}' in Ibis S~ity ImuumcuL lo d1atgc a ~fie fee
         10 BO<roWet •hall not be c:ontMied a.~ a p:rokibilion ou me chatglng of such fee. l..efldcr may r.ot charge: fees
         !bat arc ex~y prolllbiled by dlis Seeuricy IIISil1lliiCitl ot by Applicable Law.
               If the Loan is ...qjtcl tc> a law wbioh scrs maximum loan cfte.rges, and that law is fulafiy interprel::d &o
         that !he in~ or odler loaa chatgcs adle<:ted ot 10 be roUCCled in COI>Ue(:tion wilh !he Loan exceed the
         pcnni1tcd llmiiS, !ben: (li} any sach loan charge slutll be reduocd by ~ ll!llO\IIIt necessay 10 reduce lbe
         c:hargc; to ~ pc;nnii~M. limit; and (b) My SUJ'IIs emacy collected ftom Bonowcr which e:<eeedtd pcnnitled
         limits will be refunded to Borrower. Lcndet' 1>13}' clJoose Ill make 1hi8 rafilRd by rcdul:ing tho Jlrim:ipal owed
         Wldc:r lhc NOie or by making 11 direct peymen1 10 Bmrower. if a refund redllCCi prlm;ipal. the rcducdoll will
         be ~ ~ a partial prepayment witbollt any prepaymenL charge (whclher or nQt a JNCP8YJllf:l1t o;lwge is
         provided for unlkr !he NQte). BorroW«'s ~ptame ot a:ny well zc(imd made by di=t payment 10
         l!on:uwcr will eons:ti!LIIil a waiver of any right afac::tion.Booower might haYeaming ootot $1Cb ovctdlii!&C·
               15. Noticet;. All OOiio:s   an-   by Bonnwer or Lemler In WPneclion with !his Security lns!Iwncnt ntust
          be in wrlllng. Aey nOlice 10 Bonowcr itl COIUltlCtion wllb lllb SOCII.rity ln8trumcnr sball be deemed 10 have
          been given !C BQn'ower wh¢1> mailed by fimt clno& o>ail or wllcn actually dellvercd to llonower'a notice
          addrcas \f scat by otlter aJC:allS. Notico to any one Borrower shall consthute notioe Ill all :Bon:et\\'C{£ unleliS
          .Applicable Law expressly l'eqUi.:es othcrwi~ 1be lltlllce address :sllall be the Propeny Address um=
          .Borrower has d~ted a substitute noli<::c ad~ by notice to Lcndct. llorrower shall pt0<11J)Ily notify
          Leader of Bcmowttii ehanga cf addtess. If Le~ specifiCS a jliCICCd1ue (or repodiog Borrowen c:bange of
          addri:M, tltcu Bo;rower sball 011ly report a change or address Jhlcu8b thai. spt:e:ificd procedllte. Tltcre may be
          only one desiptalcd nolke address Ull<lt:r Ibis Sc:azrity ln$tnlment ~~ ""Y one time. Any notice 10 Lender
          shall bo given by ddlvering k or by mailing It by fimt elMs. mailiO Lencfer'a address 5lated hetein unless
          Lc:ndcr bas designated anodler address by nOiice 10 BortQwer_ Any uoticc in coanection wiU. this SecuritY
          lnsll'llmCIIt $111111 not be deemed 10 have been given ro Lender 'llntil at;tually J'e(:Cived by Leodct-. If all}' notice
          r.quired by !his ~ty ln6tnltnent ia also ~~Applicable law, die Appli<'>lble ~w r•r=ent
          will sali$fy tJie ~Oil(llug ~lllllderllliBSeeudty 1~1.
               16. Governing La~ Severability; Rule.<i or Constrnetion. This Security lm<u<nenlsha!J be govc:med
          by f~ law alii! !he law of the jm:isdiclion in whiCh !he Property is lOC8ltd. ~U rigbts lind obligallons
          eoBISincd in this Secwity Instromcnt me subject to ""Y reqllin:Rlen!s and Jimilations of AppJ;cawe Law.
          Applicable Lllw might explicltly 0t implicitly allGW the pnrtics to agree by con1n>ct or it might be silt>~~, but
          su~ .Uenee sballno\ be <XlllSirued as a prohibitioo. IISIIiml ~ by oonrna.. In 111e .went lbal any
          provision or clause of this Sccurily ln.'tnllllentor tho Nom conflicts with Applicoh!el.aw, sucb oonftiotsball
          not affect Oilier provisions of Ebl• See11ri<y InsiiUmenl or 1hc Noro whicb ean be given cffeet wnllout tho
          COIIllictin£ provi6i<m,
                As used in thi& Secmity ~t (a) words or lhc llliiSIC1dine gc.ndec 1hall roun and inc:lude
          ~Oil'""!'(lnd;ng nemer words or WOlds Qf tlle feminine geruler; (b) wolds in !be singular $hall m""'' and
          ~~~~.lhe pln aq(J vice versa; and (c) lhe ward "ma.y" give& tole discteQ.on wilhout any ~lion 10 take
          any ac!IOD.




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              17. BDrtVvrer's CoPf. BOCI'Owcr &htill. be given one copy cfthe Na~e 3lld oftllisS=nity ln&n\lme'IIL
              18. 'l'nu!ifer Of tbe Property Cl1' a Benefidml lnlen!st In BOlTIIwer. As ured in lflls Soction 18,
         "Int=t in !he PropeltY" means any legal or bcneticiallnt~t Jn lh~ Propcey, Jncluaing, but not limited to,
         diose beneficial int.M:sts IIl!IISfem:d in a band toe deOO, O l - /Dt deed. inBial.IITl<IAt salea (:(mi<8CI oc
         escrow agT'CelllQl!, lll~inteDtoiwbich is the tnwteroflitll: by Boaow«at a !Ilium d41$tOap~r.
              If all or any Jllllt of d1t: Property or any lilterest in lhe Prope:ty is sold or lrnnsferred (oc if Borrow<t h
         not a nataral per:ron and a "lxo:lcficial illlccest in. :Soll"Owcr is sold or translem:d) wi!bouc !..e<IWR prior
         wrilten con.cnt, Lcmltc may .-.:quiw lm!DCC~iate ])li)'Uiell~ in full or all sums sewred by t!lis Scw:i'Y
         lns~tUmeDt. ffilwetef, tl1ia option maU 001 be =ised by Ltnde< if wclt ~ it prohibited by
         Applicablo Law.
               rr lM1d« exercises lhis opliiln, tender shan giVe Borrower notice of accderation. The notice s11811
         provide a period of not lee& than 30 days from lhc data !he IIOik:c is giVCD it> occordance with Sel:lion 15
         wilbln 'Mtich Bor.rowet Dltlllt pay alllMIIS &eC1ItOO by Ibis Security JilstMncnt.lfBoaowcr llrils 10 pay these
         sums ptiot 10 lhe e.xpil'!!liOII of lhia geriod, Lender may invoke any N=metfit.ol J)tnnilted b)' !Ills Security
         It~sttumeot   without foo:thcrnotice or demand on BotroW('t.
                  19, Borrowm'll Right Co RuiDBfale After Aecdera&n. U Iloaowe. meets cenaJn corufiliOPS,
         Borcower shall have the 1ighl: In have enforcement of Ibis Sccv.dty hJ-ent disconllnned at any lime prlor
         tD lhe cadiest Df: (a) live days be.fOR' sale of lhe Piope:ty punmanl 10 lliiT power of SOllo contained in this
         Security Jmlnmlent; (b) sud! otbet period             a.' App1icablc Law might spccll'y for 1be taminallor! of
         "6()1ll)wez'a right m reinlllatc; or (c) em.y or a judgroa~t llllfcreinJ Ibis St:eor\ty hl..'<II'Wiienl.. 'Those c:onttiti.oos ·
         aiC Cll8l Bom~wcr. (a) P"l'S Lender all sums wbidllhell 'WOUld be due om1cr this 5eci1Iil)' III8U'tliDCilt and Ule
         NolO "" if 1111 accelemdon bitd occum:d; (b) ewes any *ll.olt of ltlly otbeT covmants or agn:c:ments; (e) pssys
         all apcnsos ~ in enforcltlg lhi~ S~IY Ioaaument, incltlding. but oot funi\Cd. 10, reuon.ablc
         a1tcr0eys' r...., property ~01\ and value !ian fees, acd other f= iiiCUned for the pnrpo.., of protcclin~;
         LeDdets inlero:st in ~~~~ Property and. rights un~cr Ibis Securil)' lnstnnmnt; and {d) takes mob acdon as
         Lender may tea.'IOnal'lly reqllite m 88Silre !bat Lendtt's ~in lhr: Propclty IWII rigllt:!l lllldeT 11!18 Secu.rlty
         lnslnmlent, and lloaower's obDgalion to pay lhc Sll~ seenred by this Secprity ~t, shall oon!lnuc
         DDChaoged. Un;:1er may require lb8l JIOtl'OWet pay 811Ch reinsta-t mms and e><peDBes in on~ or mme of
         lhc ronowmg fonns, as selected by Lender: (a) cash; (h) money order, (c) wtitied ell<dr, bank chcct,
          ll"e:iiS1IM's ~or .:ashier's check, provided any sucb cbcc:k in drawn upon an lnslitulian wbmc deposil!'"
          insureo:l by a fede<al ~. io:ltruml>nlllllly or cality; or {d) Bl~c Plmds Tr.msfer. Upoo rein.statemr:at
          by Borrower, this Security ln&fniDICnt and obliptio.os ~d hereby sballiCillBin fully ~vc liB if no
          acooJCtllliooluld occurred. Howe"Yer, this right 10 rcinstata sball not apply in die cane of aculeraticmtmder
          Section Ill.
                   :ro.. Sale of Note; CJumge of Loon: Sel:"rittt; Notice of Grievam:e. 'lllo N01e or a pan1al intcr=st in lite
          Note (togelhel: with dlis Seauity lnalromcnt) t:a11 lle 110ld one or more times 1'6thout prior DDilec 10
          BotrOwer. A sale might resPII in a change in lhe entity (known"" llle "'Loan Scrviccr") that co!Jecl! Periodic
          Paymc>11S due undCt lllc N01e ami Ibis Security Jru;IIlimcllt and pafonm olbe!: m0t1g3gc loan scrvicitrg
          obfisatlon$ uadez the Note, thin Security Instrument, and Applicahle Law. There also migbt be oae or mot<:
          change8 of lht: Loan Se:vWer ~~~~Rlatc:d 10 a sale of rite Noce. If lbc.n: is a c;lmngc o( ~~~~ Loan ServiceF,
          Borrower will be given written OOiicc of the change whidl will Sll!C I& 1llllllO and~ of tbc new Loan
          Sl\1"\>lccr, the a<!~ 10 which payments should be Dlade and allY cillcr illfOOilalion RBSPA ~quires. in
          COII~ttoa wilb a notice ot 111111:1fet or senicing. H the No~ Is sold and theteaftez llle Loan i$ setviced hy a
          Loan ScM=- olh..- tmm lhc pn.rdlaser of the NOle, liz rnonpgc Joan IWVicing obligalioa.~ to Bom:>wcr will
          ~ with me. Loan Servi<:er or be. l!IWfetred to a sncces&OI: l..Dlm Sem= Md are not assumed by the
           Nore pui"Cbll....,.unl= othe(wlse provided by the Nom~
                   ~iller Boaowea- 11or Len4er msy COIUIIIIlllce, join, 01 be joined to 11%1)' judicial action (as cilhcr llil
          individual litig110t or the member of a class) that ari&es from the. other party's IIClio.Rs pumlf~Bt 10 lhls
           Secnril)' Jnsuum~:t~t or chat alleges !bat w other party lUIS bn:a<:hcd any proviaio11 of, or any duty owed by
           I'CII$011 of, this Sewdty 1I151rument. llJltil s11cb :Bpnowcr or Lem!et bas notified lbe Olher patty (wilb such
          nodco given in compliilncc with me n::qairctnents of Secllon !5) of Bllch alleged broacb and afl'ordcd the
           olher party b.erelo a re<IS1nlable> period llilcr the giving of such notice to take c:orrceUvc aclion. If Applicable
           t.aw provideG a ti~ peOOd which muat a.lap$0 befure cttUrin action can bc.laken, that time period will be
          dcclncd to be ~90nllble for pwposes of this paragrnplt. The notioo of accdet>~tion and opportunlty to rore
          given 1o Bono..,... pllt5ll8nl to Se<:lion 22 and the IIOiicc of accelesation. given IQ l3orroWtt" purwanl 10
           ~on 18 shall be l;fccmc4 k> satisfy !lie notke and OJljiOltW1.ity 10 lako COJroetive accioJI provis~ of this
          Section 20.
                   21. Hazardous SldJBlantcS. As used m Ibis Sccli011 21: (a) "H.azatllous Su~· are thooc
          substances defllled as IOltie or hazrudous subslance.o;, poUul:lnlll. ot -           by EnYirontucnlal t.mv and 111e
           following mb&lllllc:es: gasoline, kerosene, other flanlmabJc or lm.lc pclrolewn pll)dntt<~. ~oxic pesli1:ides IUld
          llctbl.cides, YOialllc solvents, ma.tcrialll ronJaining asbel!IO~ 01 Corma!llebyde, md radioaclive materials; (b)
           "Eavironmenml taw• mcam f~ laws and lllw:t of 1t1e jurisdiction W1lero the Propetty is Joca!Cd !hat
          n:blol lo m,allh. safety cr environmcn~:~~l p.tO!CdiDP; (e) "E!zn?ronmcnllll C!eamlp" includes liD)' ~JlOI!S"
           actron, rc:mtdilll atti011, Ill" ~ 8C!loo, an defined ln l!nvitonmental L:a.w; 1111\l (d) an ""E.nvirOllrncntlll
          Condition" mBIII1B a conditioD IIW can canse, oontrlbutc to, or otherwise lliggcz:llll Bnviromncnlal Clcamlp.



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               llotmWI:t' sball not cause or penni! the pielencc, use. disposal. storage, o.r release of any Hmwdous
         Snb$tanccs, or threatM ID !dcase any Haurdous: Subsla~S. on OI in the Propeey. Borrower 8ball not do,
         nor allow ooyooe else 10 do, anytbing at:fectUig !he Property (a) 1~111 is in ~ of any l!<lvironmemal
         Law, (b) 'l"bicb cteale$ an Bnvironmealal Contlition, o.r (c) whicb, due: 10 !be~ liSe, or rete= of a
         Hazaroous Svbs!Bnce. crealeJ a condition !bat lldvcGcly al'l'ects ~~~~value of the Ptopmy. Tho p=edingiWO
         1\lenle!lees llball not apply 10 ~ ~ use, or stor1J8C on 1he Propeny of ~I q11lllltities of~
         ~= lha1 are. genendly JUOgnjzed 10 be approptiale Ill lllllll'llll resldclllial uses and to maintenl!nce of
         !be Pmpt:rty (Including, bul not lirnilcd 1o. baunlous &nbstances in ~ prodoots).
                Borrower shaU promplly give Lt:nder written 110tice of (a) any im'CS11galion, clllim, demand, lawBUil or
         o\bcr acli011 by any ,&OVCI!llmntal 01 regiDmtJil' l\lltncy OI privale JW'I)' involving lbG P.opetty and any
         Hiliadou8 SnbsUmce or EaYimmnental Law Df wbicll Boavwer bl!a tel\lal lrnowledge. (b) any
         Enviroonxenral Cnndidon, including btn oot limilcd 10, aqy sp!lliJlg, !caking, cti~ lclc:asc ot lbmu of
         te1el~Se of any ~ Substan~ ~ (c) iltCJ condiliDn l:lii1Sol! by !he pr=;nco, "Q3a or rc1casc of a
         Hazardous S1lbstance wllidl.adve.mly afreels me vai!IC of !he PrOpcrty.lf Boll'Owetleams, or is OOIIficQ by
         any govemmenlal or regula!Dry aulbority, or any private party, !hat any r=lrnll or other remediation of any
         Hazatdous Sabsla~ afftcliPg !be Property Is necessary, "Sonower shall piomptjy 1&kt;. all n=aty
         temtdlal Ill>lion., in accordance with Ellvlronmentld l.llw, Notbing bezdn sllall cre&~e any ob.liga!ion on
         Lender for an &vitonmcnlal Cleantlp.

               NON..tJNIFORM COVENANTS. Ronow« and Lender further covcrurnt and agree 1111 follows:
               U. A~OII; ~eg. Leuder &baU sire notk:e CO Borrower prior CO A<leden>tion followiD&
         ~!on-ower's ~ or any oov-at or agrtt:mtllt ln 1hil So=\it;y hJsttoumetd (bu.t il<>l prior to
         aelllelerafion aader Sedion 111 nnless AJ>pliable Law p~ olhenotse). The nGI:ie<~ sllallspeQtr- (II)
         the default; (b) the action reqtlired to core Ill~ c'!t!la1Jil; (e• a date, ._,t less tban 30 oi"J'llfrom file da(e
         Ill& oolke is gi.\W to Bmwwer, by whkh the deflm11 miiSl be cum!; lll>ll («} that failure ID wre the
         del'mlt on or before fhe date specified in the 1101ice will result i:a ~Ci011 of ~be SlimS ~ by
         this Security wtnnneul and sale ol: the .l'ropa1y, The POllee ihalii\JI1bel' i~ Borrower ol the
         rigllt 10 reiastate afte:l' a<:celualiou and the righlto brill&" wort "c:tloft to usert the ~Wncc or a
         de:DinU 01' any olller defmse or Borrower to accdera1ioa alld sale. lr the default Ill ao~ wrel1 on or
         before Ole date apedned iu the nolief. Leader at Its opfion may requ1ra bnmediate papnertt In fUll of
         all8fDM ~by tllia ~ty ~ wilJurot ~ ~ aod ma;r invokl! tbe liO'Ifet' of
         .e~~~ and 1011 other ~ pel.'lnltled 1l1 ApP]H:ftble                  Law, Lender 'hall be mOOed to rollect an
         apetlSe9 ilJCUl'ftd in pnrsuine the .-ellledies pro-.ickd ill             this Sedion 2.2, iudndlug, bot not limited to,
         ~~ atl!otmya' fees 11od oosts of tllle erilkaoe. For the purpo9011 uf' this ~ u, 1h~ tenn
         "Lemler" htdudes m17 holder of the Note wbo b earitlecl to .......Jtc pii)'Dlellls ......, the Nok.
              tt LeDder .!Dvokes lhe power of sde, Lalder or 'l'rn$tee $hQD lli'fe nalic:e of the liule, ptaee and
         lenno of sail: by p<)8ting lllld.l'illng the uotice at l<:ast 21 days prior to ~ "" pt"C>Vided by AppliCable
         Law. l..el>der sbaU m111111 ClOJIY Qf lhe notice to Bonnwedn the miUIIler' !lft8CI'Ibed by Applialbk Law.
         Sale shall be lllBde al public Velllle. The sale JIIDit begib at the time Btl! led in lh~ aoliee of sale 01' not
         biter than thNe I!Qurs after tbat time and betwten die !lours q( l61Lm. lind 4 p.m. on the fint Tuesdliy
                                                                                                            rw
         or the ll1lliUII. !loi'I'O'I'rel' a'llthodres 'l'rll8tee to iH!ll fhe l'roper1;f 1o the higllest. bidder cash in one OI'
         llWte pal'eels aud fD any or-der l'niBtee de1erminos. Lemler Ol' lis de!ligrule may~ !be Ptoperly
         atanysale.
             '1'mstee sbalJ deli>= t.o !be purdi-.-Tl:asla:'s deeO <!Oin'e]'hlg ~title ro the Prol'ft1r
         with eoverumts of gmeral wamuuy from Borro"WP". Botrowrr covenaals 11ttd agrees to cld'eud
         &eneraD:r lbe ~·s title t.o IJie l.'toperty against all dalmoo and detnall.ll& The J'U!ifaJs bt lbe
         Truslee'v deed aiaaD be pdma facie cro!dwee of the b:uCh of the statemeols made lb..-eiJ>. 'l'ro6lee &ball
         appU< tb0 p~e<ls of tbe lllllt illllle .rotlowhlg ard!lr. (a) to au Q(>e'DS"' of the sate, Ioclnlting, hut not
         lin>itecl to, reaaoaahle T.-vatee'll siMI. a~torne:ys• (011$1 (b) 10 aD SlDtl!l secured by ibis Se<:Urlty
         Jnstnlnleul; arul (e) any exceos to fbe person or p8'&01181egallf en!lfled Ce .il.
                 lr the Property ill sold. put&Uo&ut to IbM Sdoa 2Z, Borrower or any ptii'SOII boldJD!I ~ or
          Ute Property ~ Bomlwer shsB bnmediately Sllrl'ellder posse6llloo. at the Properly to the
         pnrdlaser at tllat sale. 1r posRjiSion .is not st>rtemlered, Boml'l'l8' Ill" 6lldl {IH50II dlllll be a tenant at
         &ulrel'llllte aud IIIIly be remm>\ld by .mt nl po-mo or othet o»rttt proceedialg.
                 23. Relean. Upqn P"Yment or all sums secured by lhis securily ~e:nl. Lcnda shall provide a
         tclea9e of tllis Swui.ty lummncal 10 Boaower ot ~rroMr's designBilld agent in acootdtlnce with
         Applicable Law. Borrower !hall pay uy recordation costs. Lcndu mey ~ Boaowcr a fee !01' releasing
         thl$ Security Instrument. but only ;r the fee i• pad to a third party for scrviQes rernlcred and the l:J:wgicg of
          the fee 1$ penn.iUed under Applicable Law.
                 24. Snbstil.lite ~ Trustee Llabl1il1. AU riglus, n:medic.s and dllti<::s of Twslce under lhls
         Security Instrrunent may be cxcn:is.:d or pez{onmd by one or lllO!e trusteos acting alone or togelbct. Lender,
         at its option and with or without cause, ~ lrom lime to time, by power of attomoy or otherwise. remove or
         sub8tltnle any llUSiec, Jldd one~ more llUSiccs,. or appoint a successar ttostoe to 1111y T=~ee witbo1llthc
         III'C'e!ISily of any formalil.y ot&el- !han a designation by Lender in writing. Wilhom any further 8Cl or
         convcyan<:o of tile Property the sabsll~~m, addiliodal at sucoossor l(llf;lte sba1l become WST.td wish !he title,
         ri,ghl8, ~dies, powers and duties conferred upon Tmstec herein 1Uit! by Appllt:able Ltlw.

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              Trwnee 8hall not be liabl& lf BCtlng 11J1011 aoy noDce. tc:qllest, COI2$CJJI, demand, staremcnt or odle:r
         d~t belie\'ed by TIUSteO to be Con'ccl. ~ shall nt'lt be liable fat MY act or omissillll ~~ such
         ac1 or omiaslon i& willful •
               .25. S11llrogatioc. Any of the proc:eedJ o( the ~ used to take up ontstandblglic.ns agaiDSI all or any
         part of die l'l'operty b1111e been acfvanccd by l..cndet at Bormwc{s ~ and upon Booowcr's
         rcpreseol81ion that such IIIIIOUIII3 are due an4l~~re secured by valid licml against the Property. Lemler shaU be
         subropted to any and all tights. sapcdot titles, licnli aad equities owr.ed « tlaimtd by any \'>woe< or lmldft
         of any OUISill!ldiog liem and debt<;, Ieglll!jlcs:!l of whedter !8111 liens or debtS are ~ by I..entier by
         assigi!IQCiltm are messed by the holder !hetcofupon paymes~L
               U. Plu1l!ll Jnyalldity. Ill tile event ad)' p!)J1ion of !he sams lnttnded to be secnrt.d by !!lis Sccnrily
         In~ eaoDOl be lawfully sc~ hereby, paymenlli in ~on of such sums sball be applied first 10
         those portions oot sccwed betdly.
                2.7. Pun:ltase Money; Owelty of l'ar'liUon; ~ and~ of lJellS Agalnrt Home'itead
         l'ropet1y; ~eut or Cash All~ Agaimt N~tQo'flOJDestead l'foperty. Cleek box as
         applicable:
         !.Kl l'llrc::lu!e Moaey.
                 The fi:tuds lldv:mced 10 Borrower lllldcr !be Note wore used 11> pay all or pai! or the pwcllase price of
         the Property. The Note also is prlmarl!y seciii'C({ by lllo VCDdar'albm .relllincd in !he deed of even da!C with
         !his Security Iosrroment conve.yjng !he Propeny to Borrowtt, w~ich vcndcr's lien bas boen ru;sipcd ro
         Lmdtz, tllill Seeur:il,y lnslmlnetlt being sdditinnal securizy COl" web vendOI'slien.
         D OwehyofPartllion.
                 The Note -"'PJ=IB funds advanced by Lcoldcr a11be &J)IX:ial. instMce and request of Bom>wcc for the
         purpose of m:quiring lhc enllre (ee simple dUe to db, Pcopt:ty 1111d lhe ~ of "" owelty or pllrtitlon
         imposed against lho enlin:ty of tbe ~ by a court o.rder Of" by a written agm:rnent of the- parlies to lhc
         ~lion 10 secure lbc pa)'lllellt of the Nore is ezptcS!!Iy acknowledged, c:oafe.'llltd a.'ld gtiWe<l.
         0 Reuewal and Ex:teuslon otlJens Aplou Bom.eslead Propaiy,
                 Th~ Note is ia mtewal and r:x1ension, llut nat in extlngoishmf:nt, of lhe ~described on liiO
         allllchcd Rencwlll and PJttensioo Bxhimt which is incospQratcd by .efe!Uit:e. Les!de£ It e.tpressly subro.gated
         10 all rights, liMs "3J!d remedies SllCVtlng rhe original balder or a note mdencing Bornw,oe(ft illelcb~e&~
         and the crlgiwllli¢ns seol<ing the indebtedness 8l1e renewed and wended tG lhC date of w.rorlty Qllhe No\e
          in renllWal and cxte.nsiOII. ol.lho indeblednC3S.
         DAckno~ofCashAdV8JJCledAgaiostNoa-HomesfeiHll'rop:rty.
                 The Nolt n:prescniS l"usllh ;tdvllll(:l;d 1o Bwrow.:r oa rh.is day 111 Bouower's tequ()S( mtd Botrower
          acl<nowledges receipt of Sllcb fun4s. Bcnower staleS 1ha1 Boirowcz- doel; not JWW '8llli does not in1Cnd C'ler to
          resldo .,., usc in any manner, or claim tbe Property secu.red by lhb Scc.ttrlty lnalrl!mcot as a business or
          residelllial homestead, BOltOI'ICf disclaims all llome&tead tighm, im=ts and ~emptions tclallld 10 lhc
          Ptopcny,
                 28. •...,..., Not a Dome l!q1dty L(Jan. The Loan eYidelKed by the Note ts Doi an exlet!Sian of (.rCtfit
          as deliPed by Secllan 511(a){6) or Stdioa .5lJ(a)('7), Atilcle XVI, ttl. !&e T - Cotvllitullao. H flu:
          l't-opcny is lllillCl as Borrower's residence. tbi!ll Bomnver agms that Borrower ril rec:tivc no eash
          li"Olll llle Loan evillwoed by theN~ and that an,y adTlliiCe$ not - r r to plm:hMe the Property,
          exlillgalall an owelty lieu, COJDplete to!ISiruelloa, or l:'ent:W t.IIIJ ex1eiiJl a prior lien against tbe
          l':roperq>, trill be llSed to reduce the balao<:e tmdeoeed by the No~ or sat:h lAian will be JOOdlf!ed. 10
          eoridence fhc COJnd. LoBD balance, at Leoulers option. Bon:tnrlO:' agn:<:s to -               an,y dOCIBIIeUI&tion
          l1flleSS8I'J' 10 comply with ~ Sa:lion 28.




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                                                                           DOC !D t: 00004597892810003
             :BY SIONDo!G BELOW, :Boaower ~IIi and agr- 10 the lemlS and ooveruutl8 oonlalned in tills
         SW!rity ~t and in any RidCl' ex«~~cro by Bonowcr endr~ with lt.




                                                          -------------~(Seal)
                                                                                                    -llom>wer




                                                          ---------------------------<~
                                                                                                    --
                                                          ----------------------------~~)
                                                                                                    --
         STATEO~TEXA,S
         Coll1lt)" ofT~

                  Before   meW~ \-klt_
                                                                                 01> ibis ilfly ~Uy appeared
              L<Ult'\z..t G..c..f.Z.t.l~                                                  •    ,l:nowntoms
         (or proved lll.ll1e on the oal!l of QJ.P               or dutmgh ~ w~ I ,,., , L                  }
         10 be lh¢ pmlln whose nt~me is subse:ribed 1o the f<Kego\ng ~ utuJ acblowledgeq 1o me dul.t helsheJ
         riley ex<=led tb6 ssme ftlr d>c Jl<liilOSC'I and CODSi • lhenrin cxpn:ssed.

                  OiveD    un<lcr my bQJIJ and Delll or om~c this   ~! s             c....fo bu-     ;;:.o53
         (Seal}




         My Commission Bxpires:




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        ----------(SpacoA'-"'I'IIIILlo.For~D>lo)'----------


                                  FIXED/ADJUSTABLE RATE RIDER
                                                 (LJBOR TwelveMonth Index • Rate Caps)




                                         1410-0423



        l'Icpared By:




                                                             03-015275               00004597692610003
                                                          (Es~ow/Clo~ing     tl               {Doc lD f)


             l1DS PDOIDIADJUS'l'ABLB RATE RlDSR js made !his THIRTIETH                                   day of
        OCTOBER, 2 0 0 3           , and it in001p0rntcd mro ilnd shall be d=mcd ro anlCIId and suJlP!elmftt the
        MO!tgllgl>. Deed of 1'nlst, or Sa:urlty DW1 (!he "SCQ!tity lmnnm>cnt"} of the All1t dal!:l ghlen b:y the
        undemgnod ("Bozr<mer"} to secure ~ Pixcd!Adjuslable Rate Note (lllc "NC*") 10
        AMERICA'S W60LESALE LENDER
        ("Lr:mlcr") of the same date liDd co...ecing lhe property described in the Security ~~ aDd klcated a~:
                                                     llOB EOX SPARROW COVE
                                                    PFLUGERVILLE, TX 76660
                                                             ~-1


        COt«
        • Allhl Fbooll
        ~~-)(d)
                         """od IJSOR l\lofor
                                                                P'IJol ot4




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                                                                      DOC ID i: 00004597892810003
                 THE NOlE PROVIDES FOR A CHANG£ IN BORROWER'S FIXEP INlEREST RATE
                 TO AN ADJUSTABLE INTEftEST RATE.                    TliE    NOTE UMITS THE AMOUNT
                  BORROWER'S ADJU5T'ABI.E INTEREST RATE CAN CHANGE AT ANY ONE TIME
                 AND 1lfE MAXIMUM RATE BORROWER MUST PAY.

              ADntnONAL COVENANTS. In addition Eo the oovCIWII$ and                  ~            made iD lbc Security
        In.ltnunent, Bon:ower and Lender tbnher covenant IUid :agree aa follows:

        A.ADJlJSTABLE.RA'I'J!ANDMONI'HLYPAYMENTCHAi"fG!'S
              The Note provide$       roran illililll fixed illle!Cst rare of 5 • 2 SO %. The Note alsO provides
        fur cli9Qgt in ll1C initial fmcd rate io an ad~ intcR:St rntc. as follows:

        4.A.OlUSTABLEINTEREST.RATEANDMON'l'BLYPAY.MENTCHANGFS
              (A) 0.8~\~}e Dll~
              The inillal fixed iote=t nue I w:ill pey will cbal>ge 10 an adjustable k!luesl mtc on die
        first                        dayafNOVBMBBR, 2006                    , and ~ a$1S!able lntl:re$ rate I will
        pay may d\;mge on thin day every 12th IPO!lth. th~. Tbc dale on w!ticb my inllhlt :fixt.d intclut rate
        changes to m adjuslablc inll:reH nuc, and each dale on which my ad,i11818ble ~ rate ClliJid cii11118C, is
        called a "Chang6 Date."
              (8) The Jmlel:
              'Beghmlng wbh tile first C'bange Dates, my ,_.jUS!ablc lntclcst talc wiU be bued 011 an lndex. The "fudeJ<"
        is die avcmge o! intcrlxalk. offen:d mrcs for !Wd~e month U.S. dollllt-dc!ominatcd deposits in the London
        marl!:et, as publlsbed in the The W<1U Street Jtmmol, The most -~ .ladu figtD.'t llVmlabk as of the fm<t
        business day of the monlll hnmroialely ~ !be IIIOIIdt in wbieh the Cban8c Dale OO:lll11 is called die
        "Conellt Index."
              If the Index is n11 longer available, the Note Holder will choose a new index !hal is b&lled upon
        compan~ble lnformalioo.. The Note Holder will give me notice of Ibis d!Oico.
               {C) Cal('D)ation    or Changt!f
              Before eaeh Cllangc Date. the Note &lder will ~culate my new inleres~ n.te by nddJn&
        TWO & ONI'l-QOARTER                              perocruago po.il!b> (      2.250 %)EofheCwmulndex.
        The Note Holdoc will thCIItoti!Jd the rc.sllll cl this addition 10 tbc ncar$ ooe-eighlh o! one ~e point
        (O.l:ZS%). Subject 10 die limits S!alCd mSe®.on 4(0) below, this .tOllD.dM BIIIOllllt will be my new interest rate
         l1llfil Chc next Change Dale.                                                             .
               The Note Holdu wiD then dclcrnJinc the amount Of lbc: mODibly paymmf lhlll would be           s~ient     Eo
        repay lbc 'Uilpllill prlucipal!lult I llnl ~ 10 owo at the Change om in full on !he Maturiey Dale at my
        new in~ ~te in sul!snmtially equal payments. The l'llmllt of this calooia!illn will be !he new I\UIOUIIt of my
        monthly payment.
              (DJ l'..fn®J oo !Qiu'est lbh!! Chaa;ga
              The interest n.te E aD\ roqui~ w pay at the              rmt
                                                                       Change DatA:. will oot be grce~ct 111aa
              10. 2 50 'll> or k;ssll>an         2 • 2 SO %, Thcreaft«, my adj1151ablc intcR:31 mu:· will never
        be ~ or decreased oa any single Cbange Dale by ~ lbBII twa percenlagc polats from lhe .rate of
        iruereBt I have been pa)ling for lito P=Cding 12 m1lnlbs. My inwresr razo Will nc~ be grc810r than
              10.250          %.
               (&) Efl'eefi1le Date or Changes
                                             ciiectivc 011 Clll:h Clum$o Dale. I will pay lhc amtrunl of my new
               My JleW inltzeSt ro.to wilt bceomco
         montbly ~t bcghming <Ill the .lil8t moothly pa)'IMI!t date Ilk the Clumgc Date 11ntil the amOUDl of my
        monthly paytllcnl cllanges again.
               (Ir) Notic2    or Olaages
             Tile Note Holder Mil deliver ox mail10 me a notice of any cbanges mmy ioitial faxed m=t rato 10 an
        ac§nalllble Jruetest rille a:nd of my changes in my lldjusublco inl=t razo before the cfl'eclivc date of any
        change, The notice will. includo the IIDI01lJlt of my rno:nthly psymcnt, any infortllSEkln required br b.w 10 be
        given 10 me aud also the tl!le ancllelcpho!le Rllmber of a petOOJl who will .a~~swet any question 1 Ulll)l !mve
         regarding die nodoe.


        CONV
        • ARI\II FCQW PalkJd; UBOR RldB1
        'ZU652·KY; (<141Q11




Austin Data Inc.               TH          ADI11909      TR      2003260223.014

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                                                      DOC IO ~: 00004597892810003
        B. TRAN8.FI£R OF Tim l'ROPBRTY O.R A BENEFJCIAL JN1EREST JN BOlU\OWER
              1. Untillklrrowcr's initial tixcd in1crest mte changes Ul an odjlls~ interest rate 11'\dc!r lh~ termosl!(aled
        in Secltion A IOOve, U11\foan Covenant 18 Q( ~ ~ Instrument ~hall tet!d 11!1 fo!lowa:

                     Tnnwer or a.., Propen, 011 a Beneficial .Wterest in BIJn'O>m'", .o\a used in !his Sc;Won 18,
             "mtet~:at ia the Propcny• -           aay legal m beneficial in!.etest 1n the Property, mcludilli bet l1llt
             lbniled 10, those bcnc:ficial imen:sts ll'lu:lllferced Ia a bond ful: deed, ~ for dwl. inslaiimctit
             $1111:3 aJs~lracl 0{ escrow ~ the intcot of whicb is the ttan.~kr of Iitie by Borro~r at a
             filtiJm dat~ to &J=<:I\ase.r.
                     If ali or mry pan of lbe Property or any IDII:<e8t in lbe Property Is sold or lramlferml {or ir
             Bmmwer is not a 11111Ut31 JlC!'BOII and a ~ficlal inmre.'<t ia "BIXIOWe.r is !IO!d or lmnSfcn:ed) wltbout
             ~dtl.'s prior wnt1f:n ~em=\, l..et\der m&y n:quire imrnei!iate peymen; In full of 11U $l,llliS secun:d
             by Ibis Sewrity Jnslmmef!L Howevn, Oris op!ion 3hillnoc be cxen;i~ by Lecdor if sach cxeteise
             is pniliiblled by Applicable I..aw.
                      lf Lender excrois:s tbis opl.itm, L.eoder shan grn 'Bmrowet ~ of acceler.otio,.. 'l'bc uoticc
                                     or
             sball prodde a period not less th111 30 days !rom lbe date the notice is given in ~ wilh
             SCC!ian IS within which Borrower IIlQSI. P!J'I all 3Wlll1 - ' by Ibis Sealril)' lnB!I1lmeCIL If
              Borl'Ower falls 10 Jl'l)' ~ sums pti.or 10 1hc expimtion of llris peliod, ~et may lurok.e any
              tf!rOO!iCii iXImDUI:d by tbi9 SCCI1dty Jnslmi:IJWt withouJ 1Utther not!~ ot dl!mand on BOIWwcr.
                      Z. When Bormwct'll initial lilted inleresl rare cfl~ m !Ill adjll51able ill!mSr ram lmdel: the
              tcl'l1l5 slaltd ln Sectlon A above, Unifonn Covcnanl 18 of the Sccm'ity lnstrnment described in
              Scaioll B l abo~ shaD diM cea!ieiO be in effect, and !he proviaions oi l.Jnjform Coven&tll 18 of lite
              Security I~t -"'all be ammde<lro~ 1111 follow3:

                    Tr~u1$1'uo of Ole l'l:openy «a   Belleftdai l'l:llerC$1 in Bonvnr. As used in lllis Sccdan 18,
              ·rn~ lu lhe l'wpetly" mellll8 BIIY legeJ or~ lrumsl in the Proparty,lncluding, but not
              limiled 10. !hose bcneficl>!l inreresm lmosfened in a boolf for dood, ~Inlet for deed, ~t
              sales cootmct or escrow agreertlcllt, !he intent of wblcb ls !he ttansfcr of litk by Borrowor at a
              fu!W'C: dare 10 a pun;haser.
                     If all or any pan of !be Property or lillY lDieresl il1 the Propetty Is sold or ~ {or if
                                                                          m
              BwzQwer ia l10I a natural pers0r1 and a benoficiallnterest Jlorrowet Is sold or ttansfCll'ed) wilb011t
              Lendets prior writlen consent. l..er!dct moy r:eqWe imroed~ payment in full of all ~ scwred
              by this SeCUrity ~L Howevcr,lbis opcioD Mall not becxcrcb:cd by Lender if sudJ ~
              a probibitod by Applicable .Law. Lender abo shall not exe.teiac lbll! option if; (a) Borrow<lt e&UIIe8
              10 be stlbm~ to Lemler inl'omuuiml RqUired by Lcoder 10 evaluare !he inreruled ll1ln:if'eo:eo 85 if a
              new loan were be:lng made to the lnmsf=c; and (b) Lender =sonably -dctennines that Lender's
              occurity will not be impaired by ~ Ioan u;umplion and that tile ri&lc of a breAch of any cove~~ant or
              ~In lhl!l Sealriry Inswmont ls acceplable ro l.en<k:t.
                     To lite C!lC!enl ~ittcd by Appftcablc Law. Lender may cbargc a n:ssooal>lc fcc as a
              condition 10 Lender's amsent 10 !he 10811 assumplion. Lendcnlllo may .require the lrllnsfcree to Bign
              an assumption agreement Cllll is ~bk ro Lender and that obliga!CS the u:-en:e ro keep all
               tile promises and agreemcnll; l'l!lldc in the NOIC 8lld in this Sc:curizy lnsmuncn!. Bonowe.- will
              eontinne 10 be obliptcd llndcr the Note and !hi$ Sc=ity JIISirtlm<:nl 1mlcss LendcJ: teleases
              Brurower in writing.
                   If I..endet ~         the opl.iOD to require ilnnlediato pay!!lertl IJI full. lendet sbllll l)ivc
              BOttOW<:r nocicc: of accok.ra~ The noti<:e &hall provide a period of ROt Je& man 30 days from lhe
              dale the oo!We is given in accotdance with Sea!Dil lS widDn wblch Borrower nm&t pay all S1lm$
              sewred by this Scx:urity lnBirlmlc:nL Jf Borrowor ruls 10 pay lheSO> suma prior 10 the cxpinuion of
              tlli8 period, Lender may invokl: lillY re!l1edics pcrmilled by rllis Sec:uriry I!IStnlmem widlout forth«
              notice ar demand on Borrowe:r.




Austin Data Inc.             TH      ADill909              TR       2003260223.015
                                                                                                                              61
                                                                                          61
                                                                 DOC ID f; 00004597892810003
           BY SIONING BBLOW,         »ouower accqJQ        agrees 10 lfle teRill; lll!d COV~IIIIts G01119ined 1n lhi~
       Fixed/Adjmtabl<: Ra~.Ridtr.




                         LENNY



                         ----------------------------------------~~
                                                               ·II~




                         ________________________                                                              ,($~)




                                                                                                            ·B~wqo




                         -------------------------------------{~
                                                            •B<ImJ>vt<




       CONY
       • Afw.flxaol'eMdUBOR-
       roeN<X[OW>)




                                     FILED AND RECORDED
                                            OFFlClAI. lllllll.lC RECOIIO$




Austin Data Inc.           TH        ADI~l909         TR      2003260223.016
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