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Home My WebLink About03-17-15 IN THE REGISTER OF WILLS IN AND FOR CUMBERLAND COUNTY PROBATE DNISION STATE OF PENNSYLVANIA , ., � ,:_, ,:..� -� � C� r_J...� .-.'��] �-7'� .. � � �� f "y IN THE MATTER OF THE ESTATE OF �I' ` ' . ; _. ...� �, . � � � :. H " ; . � DONNIE ARTIS Case No.: 2014-00285: ' Deceased. - , :�::� . � {_...A . � .. . y � .... �.. _Y STATEMENT OF CLAIM '" �._.... . , ,....7 � I The undersigned hereby presents for filing against the above estate this statement of claim and alleges: 1. The basis far the claim is: Bank of America,N.A., successor by merger to BAC Home Loans Servicing,LP. ("Claimant") is the servicer filing this claim on behalf of the first lien holder on property located at 524 Carnaby Court,Virginia Beach, VA 23454. 2. The taac identification number for the claimant 95-4797107. The name and address of the Claimant is: Bank of America,N.A, 1757 Tapo Canyon Rd., Simi Valley, California 93063, Mail Stop: CA6-913-02-29. Name and address of Claimant's attorney is:NA. 3. The claim is/is not contingent ar unliquidated:NA 4. The claim is secured. The security consists of a single family dwelling located at «Property_Address» see attached Legal Description marked Exhibit"A". Also attached hereto is a copy of the Promissory Note marked E�ibit`B"and Deed of Trust for the above referenced security marked E�ibit"C". 5. The payoff amount of the loan,valid through 4/13/2015, is $69,321.51. See attached E�ibit «D,> Under penalty of perjury, I declare that I have read the faregoing, and the facts alleged are true,to the best of my knowledge and belief. Signed on3/16/2015 Claiman . Bank of A erica,N.A., successor by merger t BAC Hom Loans Servicing, LP. � \ By: A Javier`� an , O erations Team Manager �� ; � , 1 ►� � � � � , , , • . � . � EXHIBIT A � THE FOLLOWING DESCRIBLD PROPERTY, TO-WIT: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND TMPROVEMENTS THEREON SITUATE, LYING AND BPING IN THE LYNNHAVEN BOROUGH OF THE CITY OF VIRGINIA BEACH, VIRGINIA, � AND KNOWN NUMBERED AND DESIGNATED AS LOT 4, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "AMENDED SUBDIVISION OF WASHINGTON SQUARE, SECTION SEVEN PART ONE, LYNNHAVEN BOROUGH VIRGTNTA BEACH, VIRGINIA", DATED APRIL 3, 1981, MADE BY ROUSE-SIXINF ASSOCIATES, LTD. , SURVEYORS AND ENGINEERS, WHICH SAYD PLAT IS DULY RECORDED IN THE CITY OF VIRGINIA BEACK, VIRGINIA, IN MAP BOOK 148, AT PAGE 3, REFERENCE TO WHICH PLAT IS HEREIN NlADE FOR A MORE PARTICULAR DESCRIPTION THEREOF. PAR.CEL #2407-28-7655-0000. ADDRESS: 524 CARNABY CT; VIRGINIA BEACH, VA 23454 TAX MAP OR PARCEL ID NO. : 2407-25-7655-0000 EXHIBIT � �V � ' --- � . r P�epand by:ISAB�I,Apq LOAN : � � NOTE AUGIIST 09, 2004 VIRGINIA Sg�ACH VIRGINIA [1�e1 �(StTI [Swe1 529 CARNABY COQRZ� VIRGINIA BEACH� VA 23959 �1��1 L BOBROWER'S PR011IISE TOpAY In mwm Ya a loen that I have received,I promisa bp pay p,$.S 90,250.00 (this amaa�nt iB called"Principal'7, pfue intenest,to the ordcr of tl�e Leuder.The Le,nder is COIINTRY9PID& 80M& I,pAN3, INC. I wlll roeke all payments�mder thi6 Nlote in the Po�oPcash,CheCk ot m0aey atder. � I umderstand shat tfie I.ender mey transter Ntis Note.The Lmder ar snyone wlm mkes dris Note hy�er aud who is entit]ed to�oeive peytneuta nndar this NoOo ia ca9ltd the'Nore Holder." 2.IlVT,LREST Inteneat w71 be charged�mpeid principat antil ti�e fiill amount of P�►eipel hea been paid.I wit!pey interest at a Y�Y rate of 6.625 QL, The iao�sest iate requirad by this Secdon 2 is die rate I wilt pay botfi befon and after any tkfautt descn'bed in SecNon 6(B) of this Note. . 3.PAYb�NTS � (A)15me and Place of�xyments I will P�9 P�P��d'mtecest by maldu8$PaY��Y month. I will meke mY m0nthly psyment oa fhe FIR3T d8y o�f enCh month beginaiag On SBPT�ER Ol, 2009 .I will mate the�e pay�nta eymy month m+til I 6ave paid ell of th�prinapal and intecest snd any other c6arges desm'bed bdow that I may owe under this Nou.Bach mo�nthly payment will be applied as of its schednled due dste aad will be epplied�o interest befoc�e Principel.If,pn AVGOsx Ol, 2 034 ,I sh7l owe amonats under thig Nate,I w�pay those amamats in fu11 ort that date,which is called the"Mamriry Dau." I will mafm my monWIy PeYm�nts s� P.O. Box 660694, Dallas, TX 75266-0694 or at a dif�ecent Plac�if mquired by We Note Holder. �)Amonnt ofMonti�peymenta MY��3'PaY��will be m the amount pf YJ S.S 577,88 , 4.BORROWER'S BIGHT TO PREPAY I have the right W ma�payments aFPrincipal at afry�u before dwy ene due.A pqyment of Principal only 1a Irnown ae a "Prepayme.ot."When I meloe a Ptepaymmt,I will teII tLe Note Holder in writing that I am doing ao.I may not designau a PaYmen�as a Prepayment ifI have not made all tfie monthlypayments dae uadet Nte Note. I may make a fiill Prepayment or paR;el pcepaym�nts with�ut paying a Pnpayment charge.The No�o Holder will uso my Pcapapmants ro teducc the amwmt of Priacipel thatI owe nnder thia Nox.However,the Note Holder maY gPPiY m9 Prepaymau to the accrued acd unpeid intecest on the Ptepaymeat amom►t,bcfo�c aPPu'�B mp Pnpaymen[oo reduce the Ptincipat emount of the Note.If I malc�a pa�tial PmPaYm�c►t,the�wifl be no changes in the due daEe ar ia the amomt of my monthly payment imle4s tEu Note Holder egrees in wriang to those changes. 5. LOAN CHARGES If a law,which applies m this loan and which eets maximum loan chacges�is finally intecpreted so that the intenest or otlur loan chsrges oollected or to be collectcd ia c�nnecdon whh this loen excee�the pe�limiis,then:(a)any sueh loan Chacge shat(be tednced tsy the amoont neceseazy m reduce the chscge to the pamitted limiC�(b)&4'��9 collected Snm mc whtch exc�pe�itted limits will be r�aaded to�.The Note Hotder may choose ro meke tLie reflmd by reducing the Prinapal I owe�tltis Noce or by maldng a d'u�ect paymeat to me.If a refand reduces Principal,the r�dnction w�71 be anaoed as a paz6a1 Prepaymmt 6. BORROWER•S FAIGIIBE TO PAY AS R$QUIItED (A)Late(�sree ibr Owx�a�e Paymenta If tlle NOto HOkkt hee nOt received the fuU amolmt Of 80�riWritEily peyriiDnt bq t110 eIId OP FIFTEEN CalBndet daYs atter the date it ie da�,I will pay a lat�charge oo du Note Hntder.The amonnt oP Uu cherge wilt be 5.000 96 of my overdne PaYa►mt of Pancipal and intcresL I w�l pay tb3e late charge PromP�9 but oniy aace oa each lste p�aymenG (B)Defanit If I do not pay the full amonnt of each mo�tthlY Paynoeut on the dete it ie dne,I will be in default. Y1R�iINU1 t�IXED pA7E NOTE.SIr�gie FamBy�Fennb MsM'teddk lAec UNIFOAAA INBTRt�A9�IT �yy& Y/LL VMP AAOHIGAGE FORMS• �—f'� (800j921•7481 (�'SNNf�(0005) CN!(OB/06)(d) ' Pa9s 1 d 2 FoRn 87l{T U01 V` � . . - XHIBIT i�((�D�I�INMUIV�I�IVIINI�II�I(nIBII�� ' • Zaee , • � 6i0 � N @01 001 � � (C�Notiae otDefault Loxx b: � 7f I�m defanit,the Nou Holder may send me a wattert notice telling me t6at if I do not pay tha overdue amount by a oertsia date.the Note Holdu may require ms oo PaY immediatelp tlu fotl anwm►t of Prmcipal wdich has not ban paid and alt tYa ino�st Wat I owe�that emoant Thet dar�muat be at kast 30 days after the date on which the noticc is mailed to me or deTivued by oth�r areaus. �)No Waiver BqNobe Holder , Evea i�at a eme whea I am in default,the Note ENder does aot nquine m�w pay immediaWy in full aa desaibed above, the Note Floider wlll sdll hava the right w do so ifI am in defaait at a later time. (E)Pa9mont aE Note Hdder's Cosfs and�ccpeasee If the Note Holdcr las roquired ma w pay immediately in fiill as described above,the Note Holder will have du right ro be paid back by me fbr ali of ib cosre and expen�ssts in enFar,ing this Note to the exteat not proM'bited by applicable law.T6os� �Pe��,��P1G t�asonable attomeys'fas. 7. GIV]NG OF NOTIt�,.4 Unless applicabk law requires a diffetent method,any aodce that must be given to me nndu this Note will be given by delivedng it or by ma�7iag it by 8ffit class mail ro me at tLe Pmperty Addrose above or at a dffe[eat addceas if I give the Note Halder a notix oP�d'iffarent ad�ress. Auy nodce that nmst bs giveu to the Note Hoider mider this Note will be givm by de5vering it�by maiting it by 6rat class mail to the Nooe Holder at the addreas ataud in Searon 3(�above or at a diffenent addcesa if I am givea a aodce of U�at different address. & OBLIGATIONS OF PERSONS UNDER THIS NOTE If mo�thm►one pe�oa signs this Note,each pason ia fiilly and pers�ally obligated to kxp all of We pmmisee made in thia Note,iaciuding Use promise w pay the fall amount owed.Auy pason who ia a guarantor,sarety or endoraer of thia Noto is also oblisated to do ti�ese thinge.Aay peraon who takes over these obligadons,includiag the obligadons of a 8�'��'.��Y or endoc�ar of this Nou,is slso ohiigated to keep all of tLe promises mede in tl�is Note.The No�e Holder may eaforce ita rights wda this Noro against each per�n individaally or against all of ns together.This means thst aay one of us may be m�nued to Pay ati of the amounts owal un�r this Nota 9. WAIVERS I a�l any other pason who has obligatiams under tLis Note waive the righta of Pn.seauneot and Notice of Diehonor and waive the benefit of the home�ad wcampa�as to the Pmpe�ty desm'bed in the 3aurity Insavment(as de5ned bdow). "1'ieswtment"meane the right to m�uire the Note Holder to demand paymant of amounts fiu."Notice af D3sLoaor"means the right ro require the Note Holder to give notice to ot6er persons that anuounts due have not be�paid 10. UN�aRMSECUREDNOTE Thia Note is a�mif�instt�t with limited vaQations in some jurisdictioas.In a�di6on bo tha pmtadiona given to t6e Note Haldcr mder�his Note,a Moicgsge,Deed of 1Yust,or Secariry Dad(the"Seairity Inst�wna�t"),dated tb�asme date as this Note,protects th�Note Solder from possible loases which might rasult if I do not kap the promises which I mafcc in ihia Nou.Thac Sxndcy Insavmmc descn'bes how and under whac conddone I may be reqai�ed co make immedia[e psymeac in fnll of atl amoants I owe umder this l�iote.Samve of those condiflons are descabed as folfowa: If all or auy peit of the Properry or any Iaterest in the Propccry ia said or transfcaed(or if Boaower is not a naaual p�wt end a bmeficist inusst in Bormwer ia sold or tcsnsferred)wiihonc I,eader'a pdor written consai6 I.endar may reqaiee immediau paymeat irct fiilI of all soms su.�ared by thia Secutiry Insoroment. However,this opfioa ahail not be eaercised by Ixader if soch execcise is prolubited by Applicable Law. IF I�auccises rhis opdoa,I.ender ahau give Boauwer ao6ec of accelere6on.Ttu ao6oe stiait �ovido a pe�iod of aot less then 30 days from the date the aodce is given ia scoordeoce with Sectian 15 wit6in wJrich Boaower mnat pay sll sume eecuced by�his Secndty�strtmne�t If Bormwer fails to pay these snms paor to Hu e�plratioa of U�is period,La�der may invoke any remodies permitoed by tbis Secariiy Ins�ument witl�unt fncthes mtice or daooaz►d on$ortowec, WT11�1BSS T�,HAND(3)AND SE.+AL,(S)OF TFIS UNDERSIGN�. i �nmr L �ti�— cs�, cs�►, DONIRS C. M7I8 , -Bmovv� Hamowet ($C81) (S•88�) �onowa -Boaower (Sign Original Onlyj This ia co ce�6fy tlmt tkus is riu Note described'm and�eaued by a Dead of'hast deted , on the Pmperty bcated ia l�I f`G�h 1� �Cs., �V�'a'a ' J My Co�ission Hxpires: � ''� i NOTARtAI SEAL ' . "'—� "'��' �-- LISA A.SEAY,Notary Public•. ��` / Ne�i CumC�S�nd Boro�Cumbalarid G�. . . �: __ . . A9y Camtn�•?::;,n Expi[es Juiy 24,c4)7 - ��N�U c��l �-(��) P�C�E^�2 _ foim 3za7 vm • 1 � • 1 . � � I . � {. :�'�S�� 1�k�(M�t :{ + •r a y.... . •Ic,;Lfl' , f �, . ' ' +�' �L � '^++�......r.....�.....r i ! r,�y i i ,�4'(NE��P�� , 1 • p p`� . . J�a�Gpv�OPNs�t,G � �`�Oo�NpM� , �a�N� pt i � ► 6'� �a��a P�� . t��x9� I � . . � . I ! I . ( . I � � I . , . , ! t . � E . I , . I • . . . � � I : E ! � �. � � i � ' I . . `+' ,:�: . � 3 � �. • `'��'r�,�S�'�.�,� t:� .;, �•-, �w,•��. r,:. . . :.;,� •� •.:'r f ��o�N�oPp�PpF P P A�CpV�N5�P1G YJ` � ONOM��,O �O G��N� �o� �� p�a9PN��te� ; I i � � � ,.. • � �: . . .. `+na E. Stnnan;•aarn . ' . �.-�..�,.�Ot�rk....� __,_, •12., ' ; a�R��: ' . �I � COUNTRY9PIDE,EIOME I,OAN3� YNC. M9 3V-79 DOCUMENT PROCESSING P.O.Box I0423 � Van 1�uys, CA 91910-0423 ' ' �P�BY� . ISABEL LARA ' 'p �{ { COUNTRYWIDE BONII: LOANS� INC. ��u��{��{��I��ll�`u�Iu'LIII��I�� 11�11��11�1�1�11�� 9 �� D2 �"eei��001 ' ! 6440 SOOTFiPOINT PARKWAY $soo . 6i.0 �. - JACK30NVILLL ' Fb 32216 � Tex Map RefermCe#/PatCei LD.# ��?�a8-� 'I��' . � ��'�°S- . [SPaac A6ova 1Lis IlneFor Reror�Il�4j ARTi3 00006699711608004 [Bsorow/closing i1 �Doc'ID 1� DEED OF TRUST � � i000is�—000�oiseie—s : , � � � .� `' � . , r w � J ' � � � U W -: a ' � �rne foltow;ng;ntb�on,as t5uther ae5aea uelow,is;unviaea m acc�aance w;th virginis lew: G�,�`' •- fhe ` � � ' W u N '�IIS DECd Of�OSt 1B gIVGR�t . . �''• . tai DONNIE C. ARTI3 AND.BARBARA fl. ARTIS . � � � -�-o �a.�a-�3 �. � � , . � `�- �� aa sanowe�cu„swr�co ' • $AMUEL I WSITE . ' . : �- 209 BUSINESS PARA DRIVE - VIRGINIA BEACH, VZRGINIA BEACH� VA 23962 �� IA �" LJ ' J N/A , � �� V 8S Ti06tee,fOI ttlG bW1Cfit Of MOt�$&gC BICCtiOLiC RCgISh8ii0II S�BICroS,IfIC.88�f611Cf1CI8ry. W. - L.J . VJ' ' . � L•' '' � � G: � • � ' �- o , ' � DBFINITIONS ' • � Worde ffied'm muidpia seaione of t6is docummt aro de5ned below and othri words aoe defined in Sr.ctlons 3, il.13,18,20 and 21.Cectain mks regaNing thc usage of words used in this docnment are also pmvided"in Secdon 16. ' ' . VIRci1NlA�Singis FamtlyFmnte Nmert}eddle Mec W1IFORM INSTRUMENT NRTFI IAERB P�.,�,2 ,� 3� f�-sa(vW ro,o�.o,cHL caaosl(a� VMP MORTGAGE FOAAAB•(800�17PB1 �fo�aodr�ro� CONVNA .. 1 . ., - . � • VIRC,INIR6E CII�CID UIT CT. 2005 APR-6 PI� G�47 � 2 8 8 9 � � T�Nn �,SINN,�N, C.�,�RK • � EXHIBIT .0 C N , ___ , . : , { t 'i' i DOC ID �: • �d�1"�fy lnsh'a�t" mcans this doauneny w6ich is ilated AUGOST 04, 2009 ,togetiter ovith all Riders tn t6is document . {B)'Borrower"is DONNZE C ARTIS� AND SARBARA H ARTIS, HUSHAND AND WIFE Botmwer is d�a truetor nndcr this Sccurity Insh�eat � ��"��"� COUNTRYWID& HOME I,OANS, TNC. . LOIId6t i8 8 CORPORATION argeoiud and eziedng�the laws of NE� YORK . I,eade�s addmss is . P.O. Sox 660699, Dallas, TX 73266-0694 ' . �)"1Yvstte"is saaroEL i wszx� �astee(whether one or mone persams)is a Virgmia nsident and/or a Uaited Stabes-or V'aginia-charu.red cocpora4on whose prmcipal office is 2ocaoed In Virgirria Tms�ee's addrees 3s 209 BIISINESS PARK DRIVE — VTRGINIA SL+ACH, t7IRGINIA SEACH, VA 23962 . ��ZY'1�8tte��S N/A , Ttnstee(whether one or mom petsons)is 8 V'uginia resident end/or a United Ststes-or Vi[ginis-chartered corporatioa whose prinaipal affix is locaud ia Virginia Truatee's address is • N/A , I (�"lY�RB��is btortgage Blectconic Registcadon S�'stans,Inc. MffitS is a separate coiporadon that is acdng ( solaly as s ao�inee for I.ender and I,eader's succesa�s and assigns. MERS is the LeoeBciery umder this Securit,y Ins�mneat MID2S is organized aod aristmg undar the lews af Delaware,and has an eddress and tetep�nmm�ber of P.O.Box?A26,Rliat,bII q8501-?A26,te1.(88�679-1�IHRS. (Fj "Note"meaus the promissory�te signed by Boaower and dated AU�L7Sx 04, 2009 .The i NTote states that Bosower owes I.ender � NINETY TAOVSAND TOPO HUNDRED FIFTY and 00/100 Dollars(U.S;S 90,250.00 )plas niterest.Boccower hes promi9ed b pay d►ie debt in regular PeriodiC PAymcnts$ad to pay dte debt in fo12 not later than AUGU3T O1, 2034 .T[tCinte[est rate etated in the Note is SIX � FIVS—EIGHTHS percmt( 6.625 96). If tltiB SeCudry Inet�naaaot is an ad,�oet$bla rate mortgege loan,this iaitial rate ie subject to change in axocdanoe wit[t!he auached Adjnsfable RaOe Ridee. (G�"Proper�"�aos the propecty that is de�dbed below under the headiag"7Yer►efer of Rigkts in the �P�9•" (�"Loan"means the debt evidenced by the Note,Plos intensst,u►Y P�PaYa►ent charges aad late charges dne undcr Uu Note,artd all sums due under this Securiry Iasttament,pins interest. (A "ltiders��meaos all Riders to Wis Saa�rity tns�m�ent that are a�ecatgd by Borrow�c The following Rfde�s are w be w[ecaoed by Bormwet[check box as eppiicable]: Adjosmble Rete Ridu �Condomiaiam Rider �Second FIome Rider Balloon Rider 0 Plam�cd Unic Aevelopment Rider O 1�Fam�y Rider VA Rider O Biweekly Paymemt Rider �Other(s)[spedFy] 0 (� "Applicable Law" means al! controlliag appiicable fede�ai, state and ]ocal statutes, �S�stions, otdinances and adminisasdve mios end wders(thet have the effect of law)as wail as alI applicablc finai, non-appeelable judicial o�nions. �"Ca�mm�itq Associa4on Daes,Fees,and Aesea�ents"mems all dnes,fees,aseesemenis end othct chargrs that are imposed on Barmwer or tha Property by a condomiuium association,homeowneas as�ciafloa or sim�7ar organizetion. (L)"Electronic Pbnde Traaa[er"means a�tran�er of fands,other tt►en a aansactian origiaeted by check, draft,a similac peper msocumcut,wlrich is utitiated U�rong6 an elecmonic termioal,telephonic inshument, crnnpnter,or magnetic tape so as ro osder,instmct,az suthorize a Saanaat insliWtion to debit or coedit an accounG Sach term inclndes, bnt is not limited to, pomt-of-sele �'ers, aiuometed teller machine t�ansactions,uan�fers initiated by ulephone,wire 4�ansSe�a,an�automsted clearinghouae oranefete. (M,1"Es�arow Iteme"mesas those itemg that are deacribed ia Secdon 3. � (F�"Miecellaneava Proceeds"meeos aay c�nnpensatiaa�.settlement,awazd of dsuuages.or P�P�bY �Y�P�P(other thea iasncanoe proceeds paid mder the coviceges deacnbed in Sectioa 5)for:(i)demage to,or desavction of,the Pmpe�ty;(n�oo�oa ae od�ec taidng of all or aay pact of tho Property:(m) conveyanx in lien of condemna�ion; �(iv)mimpnsantanons of, or omiss�s as to, �he val�and/or condidoa ot the Property. Inuara�� BA(WU(OtO�A1 CHL(04/09j Pape 2 af 12 Fafrtl 9847 110/ 1 , r � • � Y � I � � I � ( ' DOC ID $: � (�rtse�Insaranee"meens in�e protectiog I.ander agaiast Uu nonpsymenc of,or defantc on,the (�"Periodie Paymeffi"meeos fhe t�egWarly acheduled amotmt dae fa�(x)PrinciPffi end intenest tmder the � Note,P1n$Cu)aaY amaunts uader 3ecbon 3 of this 3e�acity L�strammt. . (�"RE3PA"meeas the Real BBtate Settlement Pmceduros Act(12 U.S.C.Section 2601 et seq.)and its im�lem�tm8 mgnl8tio4 R�gnladaa R(24 C.F.R.Pect 3500�as the9 might be ameaded Brom time to time.or •any addiuonai or soccessor legieletion or tegulaaoa tte�goveme t6e same sabjecc matt�As used'm this SecorSry Iaeaummt, °RB3PA"nefas to all requir�ements and iestdcdoae that are impoaed in regard w a "fcderally ral�d mongage]oan"evm it tlu I.oan does not qaaliPy as a"federalJy nelated mortgage laea" uaderRESPA. (I�"bacoeseor fn Intareat otBorrower"m�ns arry p�cry that has mkert dtle to the Pmpeity,whether or not that pacty has sssamed Bauowa'e obligatioas undar i6e Nou ffid/or tLis Sua�rity 7nstiumant TRANSP�t OF RI(3HTS TN TfIS PROPBRTY ,This beo�ficiary of this Seariry 7ustiumea�c ia 1yffi2S(soldy as nominee for Lender aad L�nder's sn�esso:s and aaaigns)and the sncceasors and assigns of MBRS. Tl�is Secmitq Iastrument sacuces W Landa:r)the repsYment of t4e Loan,and all reqewals,extmsions and modi6cations of the Note:sad(ii)the pertomwnce of Boaowe�s covenants and agceerioents imder this Sxuriry Ins�cu�wt and the Note.Por this purpoge,Bo�cower isevacably grants and conveqs to 1Yustee,in t�nst,with power of sala, t6e following described propeRy located'm the INDEPENDENT CITY OP VIRGINIA BEACB IND . C�YP��¢��l D�ama oPRaa�dtog Inrisdiaticnl SEE EXHIBIi "A" ATTACHED HERETO AND LII�DE A PART SEREOF. Whil�l amIItlp ha8 thC edd[�ess Of 524 CARNASY COIIRT, VIRGINIA BEACH , [�/��Y��Y] Virginis 23959 ('Tmpl+rtyAddtnss'7: l�r�1 TOGEI�HR WII'H alI t6e impmvem�ts now�hereaftsr encted�the property,and all eaaemeata, appuctenances,and Satm+es now ar hereaflter a pact of the propeny.All replaorAuaus and addidons shaU also ba covered by this Secudty Instcnuromit All of the faregoing is refixrod w in tGis Securiry Insttaanent as the "Propeny." Bamwer�nds aad ag�ees tUat Iv�RS 6olds oaly legal6Ue ro the inurests Scanted UY Bornower in this Seaisity Instcument,bnt,if neaseary to comply wit6 law or cosWm,MHRS(as nominee far Iender sad L.ende�s sacassocs and assigus)hae the right to eaettitise any or a�i of those inteiests,includ'u►8� bnt aa limioed w�the right w foreclose and aell the Property�and to take say acti�iequired of Lender ;ncaoaing,6ar�c limiva to,�;ng ana cencaling mia secudry Insavmenc BORRUWHI2 CaVENANTS N�at Bouower is]awAilly�ised af the esta�e hereb9 conveyed and has the right ro gcant sad convcy t6�Pmperty and that the Property is unencumbered,eacept for encumhcances of rarord.Botmwar wairanb and will defmd generally the tiEle to the ProPertY againe�all eleims ead da�ends, sabject to any mcnm6rances of noa[d. T�S SECtiR1TY 1NSTRUMffiVT combines unit�Omn covenanus for Qadonal� and nan�nilFocm covenants with limitai vadations by jorisdicCion oo c�ns6tata a uniform secuciry inahvmaut covesiag real ProP�Y. . UDTIFORM COVHNANTS.Bamwar and I,ender covanant and agree as follows: 1.PeYment of PrmciPal,Intereat,Searow Ite�na,Prepaymeffi C�hatges,aml Lsts Chargea Boaower shail pay whea dne the principal o�and interest on,tLe dd#evidenced by the Note az►d any ixapayment cderges and lete charges due nndcs the Note.Boaower s6all also pay fmds fa H4crow I�ems parsaant w Section 3. Payabents dne�mder tho Note and this Secnrity Instcumwt shall be made in U.S. cnrrency. . FIowevey if any check ar other instmment rec�ved by Lendar as paymeat nnder the Note a this Security Instcnmwt ie ntomed to Leader unpeid,Y.ender tnay require that atry or aIl�t paymen�due m�der Su NoOc and this Seca�ty Iushament be made in one or mom of t6e foIlowing fvrms,as sdected by Lendet: � . (a)caah;(b)maney order;(c)cx�ed check,bank check,treasnrec's check or cashier's check,provided a:ry sach check is drawn upon,an institntion whose deposits are insared by a fe�ral agmcy,instramentatiry,or endty;or(d)Btecoronic Fands'!]ansfer. f�14 weae• ��A(V/�(OtD�A1 CFIL(Q4I03) Papa 3 af 1E M1118047 1J01 I ' � � ' � � � DOC ID b: �� PaYments ac�deemed receivad by Lmder when received at tha locatioa desigoaud in the Note ar at such oiher lacaaon ae may be designated by I.mder in accocdea�x with the aotice prov;sions is►Section 15.Ltadar may redun any pay,neac or ps�tlal naymmt if the payment ar t�al paymmta aca insaffic9enc m bring tho Loan�I�mder maY�P��9 Pa9ment or paztiel peyment inaafflaeat to bring the Loan cument, wiWout waiver of any r5ghts he�ennder or prejudice to hs righta oo refuse sucfi payment or peeflal paymarts in tUe futuce,but Leader is�t obligated to apply such paqmmts at We time auch paymmts are accepted.IP each Penodic Payment is applied as o!hs scheduied due date,thm Lender nxd aot pay intc�st on uaapplied . tands.I.ender may hold sut:h unapplied thnds mtil Boaower makes paymmt to hdng the Loan cament If Boa+oaer does not do so within a ree�onable period of timc.Y.ender shall either aPPi9 sach fimds or retam tE►an oo sornowec If aot appiiea eadier,sucl►fanas w;u b�eppHed w the outs�odms p�incipai ualence,maer the Note iammed'iately pdor to fnroclosuro.No affset or claim which Boaow«might heve now or 3n the lhnue • against Lenda ehall relieve Bo�xowar from maicing paymenta dne m�der the 1�IOte and this Sxurity Ins�uument � ar pedotming the coveasnts md agreements secvrr:d by this Saairity 7nstcumeat 2.Applica4oa�Paymen�or Proceeds.Bxixpt as othetwise described ia t6is Section 2,all PsYments aocopEed 5nd applied by Leuder shall be applied'm the following order of priority:(�intarost due uadar the No�(b)PriaaPai due under ihe Nooe:(c)anornuus dno undcr Section 3.Such paymeats ehall be applied to each Paiodic Payment in tho ordec in which it be�ame dua Anq nemaining aawunte a'fiall be applied Stst to late cherges,seoond w anq other emonnts due under ihis Secuaty InaM�ment,sad then to reduce t6e principat Ualanee oP d�e lvote. If I.enda raxives a payma�t from Borrower for a deliuquent Pedodic Payment which incladea a snfficid►t amomt�PaY 8uY lata cherge due�the payment m�y be applied to'the aeGnqaenc payment�d the late clierga If mo�e than ax Periadic Payment is ot�ndinB.Lmder ma9 aPP1Y�P P��nxived itom Barower w the repaymq►t of the Pedodic Paymmts if,and ro the eumt that,eacEt peyment can be paid in fall.To the extmt that any eacees exista sftu tho paqment is applied to the Sil1 payment of one or mare Periodic Paymuita,auch m�oeea may b�appliai ro any late charges due.VoluatarY P�P�aua sliaall be applied 5cst ro ffip pnpaymeat cha��d thm as desar'bed in the Note. Any application o�f PaYma�s.ia�ce Froc�ds,a�llaa�us Procads to principal due imder the Note s6all not mctend or poe�the dae date,or change the amaaat,of the Periodic Paymcnts. 3.I�londs for Secrow It�s.Bouower shall pay to Leuder on the day Periodcc Paymenls aro dne mder the Note,undl the Note is psid in fhll,a enm(the"Pmds'�w p�uvide for payment ot amaunts dne foc(s) taxee�d aseeasmatts and otLer items which caa sttein pdoriry over tivs Savrity Ins�ment as a liea or encumbsance on the Pmpetty;(b)leasehold paymcnts or gcouod rents on du PmP�Y,��Y:��)P�'�� I for any and alI insocana neqaired by La�der andec Secd�S;and(t�MoxtBsge Insureace pinmiums,if any,or arry sunais payable by Boaower to Lendec in lieu af the payment of Mortgage Tnsurmce premiums in � aocordance with the prov3sions of 3x6on 10.1hese items are called"Bacmw Itenos."At originadoa or at any � dme dnong tiu tema of the Loen, Isnder may reqaice that Commw�ity Aseoaation Dues, Foes, aad � Asseeemmt&�'snY.be esecowed by Boaower,and anc�dtxa,fees sad asses�nents ahall be an Bscrow Ioem. ; Boaower shall P�PUY riuffiah to Lander all notices of amounts w be paid mdar this Sectian.Boaower shali pay Leuder the Faads for Bacrow Items weless L.ender waives Bonroaa's obligatioa to pay the Funds for any or all Fscrow Items.Lenda maq waive Baaowe�'a obligation to pay eo Lender Funda foc arry ar all Fscmw Iteoas aE any time.Any sach waiver may onty be in wridng.Tn dro event oF sach waiva,Boaower s6sll PaY directly,w6en and where payabte,the amounta due f�any Bscmw I�ms for which payment of Punds has been waived by I.ender aod,if Lender requirea,ahell Pomieh to Ltoder rxdpCs evidencing such payment within wch tima period as LeMer mey require.Bormwets obligation to malre snch payaoenta end W provida raxipts shall 8os all patposea be deemad to be a cavmant and agc�eement conmined in thls 3eciuity Instcummt,as dte phtase"covenant and agreemmt"is nsed in Serx�9.If Bo�mwer is obligated to pay Fscrow Iteme daactly,Pu�suant to a wa�va,and Boaowa fails ro pay the amount dae tor an Bscrow Ium, Iander msy�erciee its tigl�mder SxHon 9 and pay sac6 amoaat and Barmwer shall thea b�obligated under Seclion 9 to iepay to Lmder any snch amaant Lender may revoke tLe waiver as to any or all Fscmw Ioeme ac aay ame by a mtice givea in aoeordence with Section 15 and,e�oa snch revocstioa,Banuwer shall pay to Lsader all Fnnds,and in such a�unta,thet aro thcn nquired undar this Section 3. ��'�R�ffiY�,collect and hold Pmds in�►amount(�su8ficieat•to pemtit I.endet to apply thc F+�mds az the 6me speaified under RBSPA,and(b)not to cxceed the maairtwm amo�nt a lender emi reqnire , m�der ItBSPA.I.eader shall atimate t6e amooni oF Fim�da dne�the basis of carrent date and reasonable estimatea of a�pendi�s of fntore Bscrow Io�ms or otherwise in axadenx with Applieable Lsw. The Punds shall be held'm nn institadon w1�depoeits are iasoced by a fedecaE ageao9,ins4nmentalitY� or mtity(mclnding Lender,if IAada ie an iffiaimtion whose depoaits are so insared)or in�ry Federal Home . I.aan Banic.Latder shall applq tlte F§mds to pay the Bsecow Items ao later thea the 6me speeified under RBSPA Lender st�all not ch�ge Bormwer for hotding eud applying t�e Fmds,ammallY arialyzing the escrow aa�anat,a verifying the Escrow Itenos,wileas Leader paya Boaowec inbere.at on du Fnnds ead AppHeable Law pemoits Lettder to metoe sflch a charga Unlqs an ag�eemmt is mede in writing or Applic�ble Law roqnims i�M be paid oa the Fnnds,Ltader shall not be ceg�ired to pay Bocrower eny intereat or eatnings am the Fnuds.Boaowea end I.ender cae ag�ce in wridnF.howev�x,that interest ahall be paid on the Pands. I,endar s6ell give to Boaower,without charge,an annnal accounting of the Pimds as requiced by RBSPA. M�Itlals• �� BA(V/y(otoz�.o� CHL(o41D� Pap.4ot 1z orm E047 1107 � � � . � � ' � ' , r � , � DOC TD #: If there is a sucplus of 3�utds he[d in escrow�as de8ued voder R6SPA,Lendea edalt acco�mt to Bamwer for the exceas fimds in accordsace wid:RESPA.If thene is a shortsge of Funds 6eld in eacrow,as dofined uoder RHSPA,Lender ahall iootify Borcowex as nquirod by RPSPA,and Boaower shall gay to I,eader the amount necessacy Lo aoake ap tlte shoclage in accotdantx with RHSPA,t�t in no mare than 12 monthly paymeats.If thete is a deficimcy�Ponds held in escrow,as de5ned nndar RHSPA,Lender s6all notify Boaower as required by ItBSPA,and Boaower shall pay to I.ender the amonnt necessery to nmke up the deficicncy in axordance with RSSPA,but in no mor�then I2 montiily payntente. UP�P�S'��fatl�all eoms eecured bq Ehis Secndiy Inatrament,Lander shelI pmmpdy refand to Boanwer atry Funds held by Lender. 4.Cha�ges;Liens.Bouowc shall PqY all teus,e�sameats,eharges�Snes.and imposi6ons attdbntable 0o the Pmpecty which can avain priority over this Secueiry Tustmmeat,l�sehold paymenb or grwnd rents on the PtoPertY.if anY.�d C:ommnmty Assoastiom Dnea,Fas,and Asseasments�if�y.To the exteat that these i0ems aie Bacrow Iteoos,Baaower ahelI pay than in du msonerprovided ia Secti�3. Borrower a6all PromP�Y��Sa�►Y liea w6ich hae priariry over this Securiry Inst�oment ualess Boaower:(a)agroas in wrlting�the payment�the obllgation saaued by the lien ia e mannar acceptable to Lender,but�ly so Iong as Bortower ia Perfa�m�iaB soch a�ment:(b)conOests the lien in�ood faith by,or de5ends egainst euforcemeat a[the liw in,legel PnncadinSs which in Lend�x's opdnion opeiate w prevent the enfo�cem�en[of the liea whllc tho�e pmceediaga ace p�n�ng,lmt on(y untll a�u;h procecdinga em coneluded; or(c)sexares fmm tLe halder of the lim an agreemmt sadsfactory W IQnder subordinating die lIen W ttus Saatuty�IP Lender determines that miy peR of the Property�s snbject to a liea whieh caa attein prfaity over d�is Sewdry Inatr�mt,Lender+naY$ive Boaower a notice identifying the lien.Within 10 days of ihe date�witich that notice is given,Borrower sLell sedsfy the licn or feke one or more of the acHons sot facth above in titis Saxion 4. I.eader may reqniro Boaawer to pay s onatime charge for a reel estate tei verific�tioa aud/or sePortit►B s�vice ueed by Isnder in oo�nec6on widt dtis IAan. 5. Property Inearaw�.Baaower shall ioxp the impmvements noa eusting a he►eaftrr emcted oa tlte Propecty insuced sgaiest loss by fir�,I�eznrds ineiuded wit6in the cemi"extended coverage,"and mry othac hazacds iaedud'mg,but not Hmited to, earthq�akes and floads� for which Leoder requires insaranca This insam�tx ehatI be maintainal in the amounts(iaclud'mg deducdble 1evels)and for the petiods t6at Leador requires.What Leada reQnires pursuanE W the p�aling senOences caa change d�uing We term of the Loan. 77�c insurance caQier pmviaing dte insu�ance st�eu be ahosen uy souowar sub,ject w r.enaets aghc to disappiove Boaower's ctioice,which right si�ll not be exercised unceasonebly.Lender may requiro Bouower co pey,in conncction witit this Loen,either:(a)a ona-time charge fos flood zone detenmination,cerdficatioa end a�cl6ng se�vices;or N)a ona-�charge for flood zone detemoinstion�d cectif�cation secvicros and aabsequeat chsrges each time� os similar changes oocnr which rtasonably migltt effect such determina4m or�d�.Barmwer ahall also be nsponsible for the payment of anq fees imposed by Iho Federal Emergencg Meoegement Agency in c�axtion witfi tite tr.wiew of anq Aood zone determinedoat resatting irom an objection by Boaower. If Boaower fails to meinmin any of the coverages described above, I.enda�may obtein ina�ugnce coverage,at I.ender's optiat and Bormwer's a�pense.I.endar is undar ao obliSation W P��Y I��' type or amount of caveraga 1t�efOn,snch covuage shs11 cover Lender,bnt mig6t or might not protent Bormwer,Boaower's eqnity in the Pmperty,or the c�ts of the Property,against anY risk.hazerd or liability aad might provide greaoer or lesser covaage than wes previonsly in e�ect Bormwar aclmowledges that the cosc of the msurance ooverage so obtained might sigflificantly exceed the cost of 3asarance Ihat Boaower could have obtaaned.I�ry atnonnts disbucged by I.ender under t6ia 3ection 5 s6a11 become addiHa�al debt of Borrower sewred bq this Security Iaetcummt Thase aanrnmts shall bear inkrest at the Note ra�e fmm tha d�e of disb�emeat and shall be payable,with such inte.nst,u,p�notice fcom Lender w Boaower �SPsY�t All insurance policies requined by Imder and ienewais of sach polFcies shsll ix subject ro I.ender's right to diaappcove soch policias,shall include a standerd mottgage clause,and shall name Landar as mortgagee andlor as an addidonal loss paya.Leader shatl havathe rig6t Uo hold the poliaes and rm�wal c�es.If Leader reqaires,Boaower shaU p[ompdy give to Lender aii nceipts of paid p�miam�s and renewal aotices.If Boaowar oMains euy fomi of inenrance covecage,�t othecwiae reguired by T.ender, for damage to� or • destmotion o£the Prope�ty,such policq shall include a standard mortgage clause and ahall name I.ender as mortg�ga and/or as an addidamai loga payee. in the evcnt of loas,Borrowa ahall give pn�pt notux to the insucance carrier and I.ender.Lender may make proof of loss if not mede P�P�9 bY Boaower.Unless Lender and Bouowcr othetwiee eg�ee in w�&�Y��I��1s.whether or not We underlying insocance was nqoired by Lendet,shall bo applied to restoraf�on or repair of tlu Pmpetty,if the resroiation o�n�air is ec�naaaically feesible and Lender's aecarity is not Iessened.During such repair and resWiatioh period.Isnd�r shall have the right to hold such insmaace ptoceeds until I.euder has Lad an oppoewniry ro inspect snch Pmpe�ty to ensa�e tha work has ba�compteced co Lendets sadseae6ai,P►ovided that saeh inspee6on shall be uad«taken PmmPdy.Lender may disb�rse proceeds for the iepsics sud res�atioa in a singla pay►aont or ia s sedes of P�S�e P�Y��- as the wo�is completed,Ualess an sg�mmt is msde in writing or Ap�lieable Law requires iatr.test W be paid on such insurance pmaals,Lender s6all not be tequired to pay Baaower any intac�sc or earninga on anch panceeda. /�/� �nHW.;�,�(�, �� 1�'EA(Vly(U102)D1 Ct�(04/0.9) Page 5 at 12 Fonn 8047 t107 ' tT �..�� .�.. � � ' � � � t DOC ID �:�� Fees for Public adjnstr�s, or other third parties.rdained by Boaower sMll aoc be paid au of the ins�reace prooeats and shall be the sole obligation oFBorrowa.If the restoraaon or iepair ia aot econnmically feadble or L,eadei's sxurity wonld be Iassened.tha insaiance pmoceeds sdall be applled to ttu sams aecnred by Hris 3ecurity Inat�cament,whether or aot then due,with the excoss,��Y�Paid to Bonvwer.S�ch insoranx ptoceeds shsit be applied in the ocder provided for In SectiOn 2. If Barmwer ab�daas fhe Pmpecty,L�dci maY 81e,n�atieoa aad�ule auy ave�7able ia�rnace claim and nlaud metters.If Boaowar does not nspoad witLia 30 da9s to a nodtx Erom Lender thet the insorancc camer hes offomd to seub a ciaEm,then Leoder may negedate aud seWe tLe claim.Tqe 30-day period will begin when the noticx is given.7n drLx evmt,or if Lmder aoqnirea the Pmpeny under Secction ZZ or � otherwie�,Borrower baeby assigas to Lender(a)B�owar'a sights Eo a�ry ineurance proceeds ia an amount not to eaoeed t6�amomus mpaid undnr tho Note a�thie Savriry InetrnmmL and(b)eaY otlux of Borrowets rlghts(otitar than the right to aay refimd of ineamed preminms patd by Boavwer)under ell insnrnncepoliaes ��8��P�9�inao�r as eoch rights aro applica6Ie to the covetsga af the Ptoperty.I,muder may nse the insuranca punceals aithar ro repafr ar reerore the Pmpeny a w pay amomts uapaid uader We Note or this Se,c�uitY�t,whether or not thm duG 6. Occapancy.Boaowa shall occupy.�tsbliah,and use the Pmpecty as Boaower'a juincipal reaidenx withia 60 days after the eaa:naon of this Sxudry Insaumeat and s6a11 contim�e to ovcupy the P,�operty as Baa+nwe�s prindpsl neidence for at leset ora qear after Uu date of oaoupancy,unless Landar o�herwise agceee in wadog,whic6 oonseat sheIl not 6e unreesonab�y withhdd�ot unlese ext�uadng circurostances e�rist w6ich are beqond Boaower's connal. 7. Pteservation,'Mainteoence aad Protection oi tLe PrpPertY, Iaspectione.Bairower shell not � �Y.�8��impair the Pmpetty,sllow the Property to deteriorete or commit wsaoe on the Pmpetty. Whethm�or not Boaower is reaidiag in the PmPenY,Bormwer shaii maintain the Property in order to provent tLe Propmty hom deteriaatiag or da�easing in value due ro its condidoa.Ualess it ia detmmined ptusaant to 5ection 5 that repeir or testoration is not ecouomically feasible,BoaroweC ahall promP�Y�P��p�P�nY� � damaged oo avoid fuALer deteriora6oa ar damage. If iosurance or condemaatioa proceeds ere paid in , com�eofion with damege to,or the mking of,the Pcopa�ty,Hoaower shall ba respons�ble for tepairing or �8��r�r�r�I.md�r nsa releeaed�a for snch pnypo�s.I.enaer may a;sunrse procceas for ttu repaic's �d srstoisaon in a single payment oc in a sedea oP progness payimmts as the wozk is com�laed.7f the insnrance or c�ademontion proceeds aro not safficient Do:epair or nstac�e the PmPeRp, Bomower is aotrclieved of Boaowets obligatiaa for the compledon oPsnch repair ac irstorati�. Lender a its agent msy make reasortabla muties npon and inspecflams of the Pmperly. If it Las n;asoneble osuse,Leader m�y inapxt the iuoeriar of the mupmvements on tLe Properiy.I.euder s6all�Ive Bamwer notioe at N�e time of or prior W such an inteiior inspection epxtif�iog s¢ch nasonable cause. 8. Barrowe�'e Loan Application.Ba�mwer ehall be in default i$darSnB t4e Loan application proce�s, Bocmwu or aity peraons or enwias actiag et t!u dmection oP Boaower or avith Bouower'e knowledge or conaent gavo metedally faise,miakading,or inaocarat�infa�oefion or atetements to Lender(or failed to provide I.ender with materiet information)in oonnection with the Lonn.MaterSal representstions include,but an not limited oo,repaaentatioas conceming Boaowets ocwpancy af the Pmpe�ty as Bormwet's P�P� resEdence. 9.Protectinn�Lender's Interestia the Property aad Rights IJnder this Secmrlty Iastr��t IP(aj Ba�owar faiis w pafosm the oovenants and agraementa contaiaed ia this Secarity InetramenL(b)there is a 1e8a1 praceeding t6at nnight sig�nific�ntiy affect T.endec's imt�eat i�n tde Prop�xty and/ot rfghfa under this Securiry Ios4nmeat (sueh as a proeadia6 m baakcaPtcy, Pmbate. for eoademnadon or forfeiwce, fac enforcement of a Jun which may.aaain priarity. over this 3a�rlty Inet[�ent or to enforco laWs or. tegnlatiama), ar(c)Boaower has ab�doned the Prope�ty>dien Lender mgy do azd pay for wheosvec is reas�able or appropriate oo prouct Lendet's interest ia t4e Pmpetty aad r3ghts w�der this SecuatY IusOrumant, inclndnig protxting and/or ss�ssing the valce of the Property,and secudng snd/or npairing the Property. Lendels acti�e c�a include,bnt a►�t aot 3imited to:(�PeY�►8�Y sums aecured by a lien w6ich hes priorIry ovar rhis Socaricy�nsavmenr,(b)appe�3n cou��and(c)PeY�B reasonable au�eys'fees to proteet its inorxr,st in the Pmpecty anNor rights under thie Seenruy I�umwt,including ita securai position in a bankmP�Y P��B•S�8�P�P�Y includes,bnt is nnt limiced w,entering the Pmpaty W meke re�irs,cham8e bc1�s,raPlace or bontd up dooes and wiudows,drain wat�a&am pipes.eliminate bnilding or other oode violatiw�s a dangemus oondidons,aad have udlities Waud on or off.Althongh Lmder may take action ffida this Sxdon 9,Lender does not heve to do so and is not under any dnty or ob]igatian w do so.It is ag�reod that I.ender intanre no lisbil3ty for not t�ing eny or all aaions authorized under this Secdon 4. Any amonnts disbnrsed by Lender►mdar this Seclion 9 ahall bxome add'i4onal debt of Boaower sewred � by this Secariry Insttamau.These amonnts shsll beec intereat at the Note rate fmm t6e dete of diaburaement and shall be payable,wlth snch intereay upon notice fronn Lendcr to Borrower ruN�B PBY��• • • If t6is Secarity Insunment is on a leaschold,H�ower adall comply with all the pmvisions of the leax. If Borrower acquines fee titlo to tha Pmpetty,tl�e leasehald sad the fx Gtle shall not metge unless Lendet agreea to Ohe mtrger in writing. 10. Mortgage Insarance.If Lender re�ui�e�Mortgage Ina�rance ae a�ndition of malong the Loan, Boaower shall P8Y�Preminme n�ui�d W maintain the Mostgsge Insuc�nce in affec�If,for any maeon,the Mortgage Insuraaoe coverage required by Lender cmaes to be available Eran the mortgage insarer thet P��1Y Providai such insorana snd Bonnwer was required w mame sepazately desi payments adu�� -BA(VA)(oto�al CHI.(04109) ra�s a m�a Fomi ao4�voi � ' ' � . t ' . I ! I � noc xD �: r1111�� cowacd dw promiams for Mortgage Insu�nee,Bamwer ahaIl pay the premiams xequured W obmia covecsge 8nbamndelly eqaiva�eat to tde Martgage Inaurance pmviovely in e�xt,at a cost substantialiy egtavalp►t W the cost oo BamrowGr of We Mortgage lnsawnce previansly in e�ect,fmm an eltemata moRgage insnrer�d by I.eader.If wbstantiallq eqaivakat Mort�age Insucaace covexage is not available,Boaower shall conwme to pay to Lmda t�e�ntomu of the sePeratelp des�eted paymmts that wero doa when the iu�ance covaiage ceased w be in effoct I.atder will aaxp6 Bae and retein these payments as a non-ietf�adable]ose resecve in linu of Mortgsge Inene�e.Such loas reserve ehall be n�-reftmdable,notwithsmad'ntg the fect that the Loaa is,iltimately pa;a in PuU.saa r.enaer�au noc ne requiree to pay soaow«any incerost or earninga on suct► lose rese�ve.Lender can ao longar rcquire loss nserva payments if Mortgage Insu:ance covecages(m 1he amonnt m►d Sor the pr.riod that I,�oder nqaicrs)Pmv�ed b'9 eP insor�ec selected by T.cnder again becomes avatlalfle,is obtained,ead I.eadar reqnices�atelY desig�rod paymeafs towatd Wa premiame for Moctgage h�noe.If Lender required Moctgage Insurana as a condidam of making the Loaa and Bomowu was �1�m��Y designsted paymmu toward the premtums For MortBage Insurance.Baaower shell pay the pmmiams nguired oo maintain biortgaga Insurenoe in effoct,or to ptovide a aon-refuadable lase reaerve,•undt Lefldec's tequirmxmt far Mortgsge Insura�x•ends in accordance with auq written agrament betwem Boa�ower and Iander ptoviding for such oemuiaadon or unt�tamioation is required bY APPlicablo Iaw.Nothing ia this Secti�10 s�ects Bomowds obligatiom to peq i�t at tde[ate provided in tho Note. Mortgage 7nwranex mimbnrses I.ender(a mry entity that pmchases the Note)for ctrtein loeses it m�+incar if Boaower does not repay the Loen ae ag�eed.Boaower ie not a parry to the MaKgage Insu►ance. Mottgage a�saieca evelnate their total riak on all such insarance ln faa fmm dme to time,and may mter into ayrxmeats with o16er pardes thu shane or modify their�Y.ar raiace lasses.These agc�ements are on te�ms and condiaona thst are satisfatxory ro t6e mortgage insarer and tiu other party(or perties)w thesn agreemants.lfuae agieemmte map raNir�the mortgaYe ins�uer w make payments using aay sonrco of funds that the moctgage insnror may have availeble(wldch may iaclude lunds obteined fmm MortgaBe In� P�)• As a reanit of theae a�ts,I.mder.anY Pum.haser of the Note,another inaurer,any reansonr,a�►y other aitiry.or aoy affiliate oF any of the foimgofog,may reo�ive(dEtectly or indirocily)amounts tltat der�ve ho�(or might be eharacterizal as)a pacGon af Bacowets payments fac Mortgage 7�uance,in eachanga for �►�8��Y�B��$�s�4 at nduanp loe�s.If such egreement provides that an a�'iliete of Lpadar talaea s ahare of the inearefs risic fn�ehaoge for a shece a!the preanioms paid w the insura;the arrangemmt ls oftm temud"t�ptive reinsucanca"Pa� . (s1 AoY spch agreemente wID not aftect the amomris�at Borrower Lae agreed to paylor Mortgage Inearanoe,or any other terme a[the Loau.Snch a�nb w�3t aot inerease the am�nt Borrower w�l owe far Morl�ege Insarance,aad they wIIl not e�tltle Baarrowrr W sqy rehmd. N)AqY�cL agre�ents wID aot affect fhe rigLts Borrower has-if eqy-wltL respect W ffie Mortgage xasarance nnder tLe Homeowners ProtxHoa Act ot 1998 or a�o9ier]aw.l7�ae dgLb may inclnde the right to recdve cezfain disdarures,to request snd obfain cancellafiott ot the MArtgage Iosnrance,to have the MortEape Ineuran�x termiaated anfa�aHcaIly,and/or to receive a retand of sqq Mm'tga�e 7nsorance Pceminme tLat were nueatned et tLe time ot eacL eanceLatfan or terminatioo. IL Asa�nmeot of MaoaIIaneoos Procee� Forfeid�re. All Miscellaneons Pmceeds are hereby sasigned W aad shsll be paid oo I.�nda. If the Property is demaged,such 1VlisceIIaneoua Pmceeds shall be applied co nstotadaa or repair of tfie ProPenp.if the reatoration or repeir is aroaomically feasible and Lender'e sa;urity ia not lessened.Dnring such ropair and i+ees�ration period,Leodar shall have the right ro hadd sach Mis�x.Usueous Proceeds untiI Lendex 6as had an opportmiry to�inspect,such Pmpaiq to ensore the work has f�een compteted to Lender's satisfacdon, provided tl�at snch i�pecdoa sdell be undettakm prcompUy.I.ender maY P8Y for the repairs aad restoredoa in a suogle disbu�ement or in a se�ies af progKas pttymaus as tl�work is�leted.Udess an agreoment ie made in writing or Applicable Iaw nequinoe interest to be paid oa such Miacellaneoue Proceals,Lu►der shall aot be nqniral ro pay Bottower a�r intm�est or eamings on such Mfacelleneous Pioceals.If the reswcation or n;pair is not ec�amsically feasible or L,endet's eec�mty wonld be lessened,the Nriscelleaeons Pmceeds s6ell be applied to the sams secured b9 this Seenriry Inat�nment,ahethee or not t6m due,with.the acc�ss,if any, . paid m Bocmwer.Swch M�sxlla�eous Pmceeda a6all be applied in rhe order provided fa ia Sec6am 2. In tha eveat of a toml taiQng,deauncdon,�loss in valae of We Proporry,t6o Miscdianeous Proceeds sl�all be appiied to the a�s secured by t6is Security Inetn�nt,whelher or aot then dne,with the exoeas,if any�paid W Borrower. In d►e event oP a partiai taking,destrnction,or loss in value of the Proparty iQ which the fair medcet valne of the ProP�Y�Y be4ae the paniel talring,des4ncaon,or losa in valoe ie equal a or grestcr Wan the amrnmt of the sams secured bq this Security Tnsaament in�iately 6efa�e the parGai talting,desuuction, oc loss in valnq wa(ess Boaower aad Lmder othecwise agree in ariting,the sums seeured by Utis Saadry Instnuneat shell be rednad by the amnwt of the Miscellaneous Pmxeds mnitip&ed by tiu followiag hacdon: (a)the Wml amount af the sums�immui'iaoely befoce tiu pardal teking,desuacdon,ar loss h►value . divided bp(b)the fair market valoe oP the Propecty immediatdy before the pactial teking.desuuetioa.or Ioss in value.Any balance shall be psid oo Bonower. Q � �'QA(VA)(o70�A1 CHL(04J0� Papa 7 ot tz �9047 U01 0 - , • � ' . � noc xn #:�� In uw evenc of a putial takins,dwt�a�cti�,or loss in valae of rhe P,�openy ia wnicn tL�rair mocket valuo of the Pmpeay immediate�iy bef�e the paztial taking,destructioa,or loas in vaF�is less Wan the amount of Uu sums secarod immediarrly bel�ore th�pazdal aalring�destrucdon,or 2oea in veluc,ualess Boarower m�d I.ender otheYwiee ag�ee a►wadag,the bGacell�Praxeds shall be applied m the sans aec,ared by this SecariLy Inshvmatt whet}rc,r or not the sums are then dne. If the Pmpesty is abaadoned by Bamwer,or i$atter nodce by Lender�Boaower that the Opposiag Pacry(ea de8�aed ia tde neat aentenoe)oHe�s to meke an award to eeale a claim for damagea,Bauowcr faila to respond to Lmdec within 30 days aRer the dete tlx nwdce Js givay Lender is�thoo�sd to colloct snd apply the Misxllsaeous Procxds either to re�oiatinn os repair of the Property or ro the eimos sxured lry this Sccndry lnat►ument,whahar or not thea dne."OPP�B�Y�means ihe third parly that owes Bocmwer Miscdleneous Proceeda or t6e im�ty agaiast whom Boaowrr has s aght of action ia regard to Miscellsneous Proceeda. Bomower shall be in detsnit iP aay acfion or pincxeding,whether civiF or criminel�is begun that,in I.endets jadgmmt,conld uesult ia folfeiture of t�e Pmperty ar other material impeirment of T..eade�'s iraeress in the Pmpeuy or dghts�adec this Secnritq I�nt Bauowex cren curo suc6 a defanit an4 if accxlecation hea occwxed,reiastate as pmvided in 3ection 19,bY cm�iag the action ar proc�ding to be diamiased wlth a niling tLat,in E.ende�'s.1��k P��fmmre oF t6e Fmperty or other material impeicmmrt of Leade�'a interRvt in tlu Propa�ty ar dghls nader thia Sec�ty IneMmoeaG Thc procceda of any award or claim for �mages that are attabatebla to th�impeirment of Itndets luterest ia the Pmperty ern hareby assigned aad shall ba paid ro I.endcr. AIl M�sxIIsnecos pmcxds U�at are not applied to x.srorallon or repair of thc PropeRy st�all be applled in the o�der provided for in Secdan 2. ' 12.Borrow�Not Releaecd; Forbesrance By I.ender Not a Waiv�. Extmsi� of the time for paymmt or nnodifxxtion of amorOzation of tha smns sxured by this Secoriry IasO�ument g�anted by I.ender to Borrower or arry Snuxasor in Intr.rest of B�ower s6a11 not aperate to nlesse the lmbitity of Soaower or mry Sncoeesors ia lntecast of B�ower.Leadnr ahall not be required to commmce pmcadi�s aBain$E aaY Sbccessor in L►tueat�Borrawer or to ratase w cxtead time for psyrrunt ar otherwiea modify amoctfzation af the sums sa�u�ed by this Security 2naormnent by naaon of atqr demand msda by the origmal Bormwar or any Sncocssors in InKrest of Boaowa..My far6eacmKx by Lmder in eaett:isin8 a�'aght or remedY inciudin8. withont limitadoa,Lmde�s acceptaace of payments from tbird pee�ona,nntities or Succxssa�s in Interest of Bormwer oc in amouu�lesa than d�e amount then dae,shall not be a waiver oP or�xeclade the exe[cise oF nny rlght or remcdy. 13.Joint and 3everat Liab3lity;Co�gner�S�ore and Aeaigns Bound.Borrower covmants and agc�ees Wat Bormwen's obTigations and liabiliry shaii be jo3at and severai. However, mry Boaower who coasigns this Secm3ry Instrument but does not axecntn the Note(a"oo-sigra'�.(;1 ie co-signing this Secudty Iastcumeat only ro mortgage,grant and convey thc co-aigner'a inoe�est in the Propertq mder the tmms o!Wis Security Lisornment,N)is not P�Y abliSated to pay the sunos secured by this Secority InsYxnment;and (o) ag�es that I.mder and any other Borrower can agree to extend modity, focbear or make aqy accommodatione with rega�d to the tmns of this Secodtq Iastc�ent or tho Note without the co-s�gaer's coneau. Snbject w the provisione of Section I8,any Sncceasor ia lnterest of Bouower w6o aesames Borrower's obligatione mider this Security lnsuumant in x+ritiag.and is aPProved bY Lendnr�shail obtaia all of Boauwels rights�d be�fits nndec tGis Saauity Instcument Bormwex eBall not ba teIeased froan Boimwefs abliga6ona artd liabu'Iity undor ihis Secarity IffiOtument�mless Leodrr agrt�s W sach reJeese in wtitlng.The coveoazus and agreements of thia Sacority Instrument ahaU biud(a�cept as pcovided'm Sectiaai 2�and bene6t tFte sucassors and assigos of L,enAer. 14. Loen CherPee.Lender may charge Bmmw�fas for snrvicas perfarmed ia conaecxion with Bouowm's defauly for the pnrpose of prot�ting Lender's intecest in the Pmpecty and rights mder dda ScuuitY��,�8.but not limited oo,�eYg'�,P�P�+'�Y�P��tion and valna8on fxs.In mgard to say other fees,thc abeence of expcess authority in this Sec�uitq Insuument w charge a specific fa ro Borrower�si(not be�as e pmluhit�on on thecharging oP such fee.Lender may not cherge fees Wat ��Y 1��bY this sceoritP Insocament or by Applicable Law. If the Loen is sabjax to a law w�ich sets meo�imam loan cLarges,and that Iaw is finally inlerpreted so that fha intereat or other Ioan chargas colleexed or to be collecud in conaecd�with the Loan exceed the permitted limits,than:(�anY soch Ioan charge ahell be neduced by t4e amount naxssary to reduco tho cherge to the pemoitted limit;and(h)anY•sums already callected from Boaower which exceeded pe�itted limits will be rafnnded m Bormwa.Lender may c600se w meke this refimd by adncing the pdacipal owed uader the Note or by meking a duax payment m Borrower.If a x�efimd mdace:�s pdncipal,the reducdon wltt be treated as . a pa�dal pmepayment withont any prepaymmt charge(whether or not a prqmymmt cherga is pmvided Por mder t6e Note). Bornower's acoepm�x of any such refnnd made by �Ct payment w Soaower wil! cons�qrto a waiver of snyright of action Bonocvex might have arising out of sach ovemharge. 15. Noti�s.All aofiixs givea by Borrower or Lender in caffiecdon with thie Savary Instmment mnet be in wridng.Aay no6ce to Boaower ia connection with this 3ecority Instmment shall be deamed w have baen given to Boaower w6en mailed by Scst clase mail or w6a►actaally delivend W Hoaowa's nwice , address if emt by otha me�na Noace ro any one Borrower shall conadtnte ao6ce w aU Boaowers unless Applicable Law eapressly nqui�es otherwise. Zhe notux addresa sUall be tlu Propecty Addcess ualess Bonrower has de�ated a snhsatate notice address by noricx w Lenda.Boaower shalt pcompUy aodfy �:��' ��►NA)ro��cH��oaros� r�e a�z r•orm aoa�trot . � � � . . t DOC ID #: �� Ieader oP Bormwer'a chffige of a�reas.If Lender specifies a proceduce for nportiog Bormwer's change of addasa,thm Boaower sheli only report a change of address throngh tbat ep�pmcednhe.l'here may be oMy one desigaated notia address under tdis Security L�suuionau at any m�e time.Aay notica to Imder shell be given by delivecing it or by mailing it by Srat cless mail oo I.ende�'s address statefl haroin nnlees I.mder has designaud anothec eddress by notiee to Bormwer..4ny noiice in conaection wlth U�ie Secuciry Instrou►ent ahell noi be deemed ro heve been given tn Lender uatil acmally xeceived by LCndec If a�ty notioe required bY �his Searrity inst�ummt is aiso nequired under Appllcable Taw,the Applicabk I.aw tec�uicmoent wiIl satisfy the oo�espamdm8 requirement wider this Sccuiily Inel�ument 16. Gova�ndng Law;3evash�'ity;Bules of Coaetradtoe.This Security 7ast�ument ahell be govomed by federal law and the]sw of tfu jarisdaioa in which t�e PmpeuCy is tocated.Ali rights and obligaEione oontsined in this Sxuritq Inatmmwrc are snbject to any rapvnmmts and lfmitations o!Applicable Law. Appltcabk Law mig6t explicitly or implicitly allow the parttea to agree by contract ar it apgbt be slleat,but sach s�leace ahall not be c�soroed ae a prohibiti�againat agroement by c�track In the evant that any pmvlsioa or cIause of this Swvriry Insttumdeot a the Note cronfl'icta with Applicabtc Law,s�ch coaflict shell aot affect ot5er pmviaions of this Seciuiry Iaslsumont or the Note which can be given effect witlwat the canflictinga Pu'ovieioa. As need im thia Securiry InsOcameat (� woids of the ma�cnlioe gendea shall meen and include �P�B aeuoer woids or wards of the&miaine 8ender;(b)words�the�ngniar nhall mean and include th�pin�al ana vice ve�sa;ana(c)u�e wota"may"gives sole discntion wirho,u any obligation to t�lm any action. 17.Borrower's Copy.Boaowa ehall•be given on�copy of the Note and of tlus Security Instcum�nt 18.7lransfeor of tLe Proporty or a Beoeficial Inberedt in Borrower.As uaed 'm this Section 18, '7nto�ost in the PmPeclY"n►eans anY legal or beae�cial iaterest 3n the PmP�Y,��8.but nM limited to, t}�Se bennficiai�hansfeored ia e bond for deal,c�mtracc for deed,3nsmllaiaic saks casuaa or eacmw i agne�nt,ti►e inoeoi of which is the tcanafa of titlo by Boarower at a fntnra dau ta a purchaser. If sll or aay pert of the Prop«ty or any Inteneat in the Pmperty is sold a 4aaeteaed(or if Bouower is not a natncal pecsoa�snd a beneficisi intm�st in Boaower is eold ar trans6ea�ed)withwt Lender's prior written oonemt+I.ender ma}'r�quire immediate payment in fail of all snms secnred by this 5xuriry 7asirumau. However,this opti�shell not be earrciae�by Lmder if such mce.nciao ia pmtu'bimd by Applicable Law. If Lender mcercises thie option�I,ender shail give Boaower aotice of acceleratio�.1Tu noflce shall provide a peuad of�t leae than 30 deys fmm t}u date the notioe is given in accordance wiih Sa:tion 15 within which Boaower m�st pay all same securod by tLis Security Inalrannen�.If Boaower fa�e to pay these soms p�ior to the expkadon of tLis petiod,Lendex may iavoYe any ranedies pemviued hy this Savrity I 7nstivmau withontfiut6er�dce or demaod a►Boaotvoc. 19.Borrower'e RigL!to Reinetate A[ber Acceierallon.If Bonowror meeta ceRain condifions.Boaower shall 6eve dte right w 6ave enl�mmt of tl�s Secmiry Inshammt discantinued at azry 6me prior po tlu earliest of:(�flve days bcfore aale of the Propezry porsuant to anp power of sale contained in Wie Secur;ty Ins�umenC(b)sach aher pe�iod ae Appiicable Law might spxiPy far the teiminafion of Boaower's right Eo reinsmoe;or(a)entry of a judgmeat enforcing this Secudt9 Inetcnment Thoae conditi�s a�tLat Bouower. (e)PaYs La�der all eume which then would be dae nnder d�is S�uity Inslcumen[and tl�e Note as if no acceleration had occuaed�(b)a►ces any defantt of airy other covenants or agram�ts;(o)Paps alt a�p�ees lIIplQCd��11 EpfOlClil� I�116 SBC�tity � IIIC�Ufrlilg, bUt IIOI�IID1tOd t0. i�8b�8 atl0[RCy6� fCCB, ProP�Y�P��and valnation feee,end otha[ces incuaed for the putpose of protecdng Lendet's int�:est in t4a Property and rigi�ts mtdec this S�cadry Instrumant;and(d)�such action as Lender may reasonably rcquire to assure that Lw►dcr's inte�eest in the Properiy and rights imdet this Secority 7asuvment, aud Ba�rmwer's obligation to pay the snnos secnred bq this Secnrity Tnetrument,sheA c�ntiaue uncheqged.Lender may requi�thac Bor�ower pay such r�smbanatt s►m►s and�xpea�s tn ame or�re of du follow3ag Posms, as selected by I.onder.(a)cesh;(b)moneY atder(o)-cesdficd ched4 baak checl4 tceaeurere�s check or cashier's eheck,Provided arry such chxk is dcawn upm en instiwdon whose deposits are ins�ued by a fedetal ageney, instmme�tality or entih';or(c�Blectronic Rnads Tignsfet.Upon n.inatatement by Borroaec.thie SeCnrity Iasunment end obligadoma sa�ccd hareby shall remain fnllq effecdve as if no acceleratian had accurred. Howevca,this right w reinstate st�alt not apply in the case of accaleration nader Seccon 18. 20. Sale of 1Vote3 Chan�ge ot Losa S�vicer;Nofioe of(�3evance.The Nou or a partiai intarest in the Note(t�gether with this Sccority Inst�ammt)c�n be aold one or moie times without prior notice to Boaower. A sale might resnit in a cha�ge ia tha mtity(�own sa Hu"I.oen Suvioer")that collxts Periodic Payments dOC 110fICt tLC N01C 8�[I178$CCAGtJr IDS�IONt71C 811f1�CfOYlAB 01hEC IDOttp,AgC IOBll BEtV1C111$0�$8hOG8 UtifIOC the I�iote,thia Secariry Instcument,and AppIicable Law.Thete also might ixi Qne or more changes of the Loau Sacvicer nnrelated to a sale of the Note.If theae is a change of the Lan Servicer,Bormwer will b�given wriuen notice of the change which will stat�the�me and addrees oP the new Loan Suvixr,the addreas to which paymeats should be made a�any otber info�ation RPSPA reqnites in camnecdoa with a noGrs of t�ansfer of secvicing.If the Note is sold and thcscaftea the Loan is merviced by a I.oan 3ervicer other than the purchaser ot du Notc,ttu moctgage loan seavicing ob�igatiams to Bocower will remsin with the Loan Servicu a be tcsnsf�aed to a eucce�oc L.a�n Se�vioer and are not assumad by the Note purcheser imlesa oWe�wiae provided by the Note purchaser. ,,�.D.�� BA(VA)(mo�.m CHL(04lOs) P+a.a a�z Farm 9D47 1/01 • ' . t DOC ID #: Na}ther Barmwer nor Leada may commeace,,join,or bc jained W a�ry judicial aclion(as aither an individnai llttganc or tde membar oF a dass)dmt ariaes fmm t4e other�mrty's acdone pursamt to this Sccudty I��t or that allegas thac the other pacly has breached a�pmcwision o$or mry dury owed by rtesaa of, t6is Sec�tatY inst�u�nt.uatil sach Boaower a I.eader hss notified tUe ot6er pa�ty(with such ratix givar in �plianx witt►flu requiroments of Secdon 1�af sa�h alteged baeach end atforded tha od�rr peny heneto a naeonalile period eaer the giving of such aodce to take coaective actioa If Appliceble Law provides a time P�nod wMich�st�iaf�ae befone cermia act�can be talaen,that time peciod will 6e deemed to be reaeoneble for pncpoaec of this paragraph.The notice a�f acc�on aad oPP�9�wce given to Bourower pwsu�t to Sacdon 22 and the nolioe of ecceleiadat gIvea to Ba�nrower p�suant to Secfion 18 ahall be dxmed to satisCy the�dce m�d oppo:pwiry ro tabs coaective acdon provisions of thls Secflon 20. 21.Haasrdou9 b�betancea.As uaed in fhl8 Section 21:(a)"Aazerdoua Sab9tances"8re thnae sn6atenas ae5ned as coric or haaacaoos snuatanexs,ponocants,or wastes by Bnvuonmeaml Law,ana the Pollow;ng wbstances:gaaoline,�e,otlu�Sanumable or maic peuolwm prodncts,twdc pestiades sad habicides, votadle eolvmts, noateriale camtaining asbeawe or S�nnsldehyde, ead radioactive maoecisis� (b) "Bnvic�a�ental Law"meena federel laws and]awe of tlx jucisdio6oa wharo the Pmperty fs located that relaoe to hea1H4 aefety or drviroammtal protxtion; (c) "Bnvironmeatel ClearmP"incIudcs arr�'sc�Onae action, remediei acti�,or nmoosl acdon,as deSa�d 9n Bnvimumental Law aad(�an"Bnvironmen�l Coadifion" means e�ndiaou tharcan c�nse,camm'buto to,or otfie�wiae trigga an Envimnmental Cle�nnp. Barcowa s6all not ceuse ar permit the p�nnce,nee�dispoael.�rage,or releese of mry Hazardoua Substanxs�or tLmaten to roleas�any Hazudovs Snbstancea,on or in d►e Property.Boaower shell not do,nor allow anyame else to do.�affecting the PmPart9(�that is in viola6on of aay Envimnmaue]Law,(b) which creetes an Hnviconmaatal Camdiflaai,a(c)wLich,diu to the presence,use,or rcleese of a Aaz�done Sub�arx.uwtrs a c�ditioa that advera�ly at�ects the valne of thc Pmperty.liu pre�xding two aentnnces ahall aot apply Oo the pre,ence,use,ar amrage on fhe Pmpe�ty of amell qnan8ties of Iisaardops Substances � that are geae=al�iecognized�be eppzopdete W normal residwtisl nees and to maintenaace of the Propmty i (T��B.ixit aot limited w,hszerdous sobsmnaa in consumerpradncts). Boaomer shall P�P�f'8ive Lender wdttea notioe of(�mY n►vesbgadoa,oleim,demend,lawsuit or othes actlon 1yY�Y 8�►� �n8��9 aBa►�3' a prlvare party iavaiviag We Pmperty and apy Hazazdo�Subatancro ar Bnvironmwtal Law of which Bauowa has actml Imowledge:N)anp Hnviconmmtal conatfiam,inclu�ing tuc noc limi0ea oo,ear spiri�p,leeking,discherse,re�ease or throac of reloaee of any Hezacdaas Snbslanco,and(c)any eondition c�uaed by the piesence,u�e or releeme of a He�ardons 3ubalanee whicn aavecsely aePxts the.�u�e of the Propecry.If Hoeowu leems,or is noti6ea br�r Sovammencel or �a�Y��3',�anY Pu�P�9.��Y removal or other remediad�of atry Hazardwa Subslsnce affecting the Pmpeity ie aec�sary,Boaawer s6all pmmptly tabe aU necassary remedial acdoas in aocordana with BnvitonmcaEat Law.Nothing herein shall create any ohligadon ouI.enderfor an Bavironmmtal Cleemip. NON-UNIFORbI COV�tANfS.Boaower and I.eader factlxx covenant aod agree as follows: 22. Aaceleration;Remediea Lender sLaII give not[oe to Borrower prior to acoderation ibIIowiag Eorcower�s breach or a,qy ooveoane or agre�enc in thie secorlty �nsf►vmeac {e�ac not prior w acceletaf�n�ler Sect£m 18 miless Applicable I.aw providea otherwise).The notice shsII epxify:(a) tLe.dcLad�N)�e actlon reqoiecd to care the defad�(c)a date,not 2ees tLan 3U days 4a�tLe dste the noticc ie gtven to Borrower,by whicti the demalt mast be cared;and(�tLat isilnre b aa�e fLo d�nult on or be[ore the date specified ia tLe notico may result ia aaxleradon at the eaure secored by 0ie Senu3f�7nebrameat aod eate of the Propaty.lge notice sLalI im��er i�orm Boreower ot the right to reinetate af'ter acxeleralioa snd tL0 rigLt fo bdng.a conrt adion to eseert tLe non�t�dstence..oL a det�nit �WY��a�Bo�a�ower'to acoei�ation aml ealc.7t the detadt ie not cured on or before the date epa�tied in the notice,Lender at�ta aptton amqy reqa3re i�metBate payment in fil!of aII enms se�vred by tLis Secudfy 7nstr�ent withouf.i'nrtLer demand and mey invoke the pt►wer of sale and any other remediea P�mft�d b9 APPllmble Law.Y.eoder eLaIl be entitled to collect aII ezpemes incnrrcd in puremLog me remedies provided in thie Section 22,inclading,bnt not limfted Eo,reaeameble attorneys' ices and coete of dfle erldenx. If Lender invokcv the power:ot arle,Leader or Tiwtee aLali�ve W Borrowcr��e owner o[the Property,and aII other persoae,nolice ot sale ae reqoirad by Appbcable I.aw Tmstee aLaII givo pnblic uottce of sale by adv�ng,in accordenee with Applicable Iaw,o�a week for two saoceaeive weeks 9n a newepaper Lavfng general circaLtB�oa in tLe oounty or efity in wLich any part of tLe Prnperty ie located,and by smeL adtfidonal or aqy di8erent f�o[adrertisement fLe T1 astee deeme advieable. 15raslee may seII fhe Pmperty oa the e1pLt6 day a&�r Ehe Sre!advertieement or eqy dsy th�atter,bnt not]ater 8�an 30 daye foIIowmg the laet adverfiseme�nt ltvstee,wWeont demand on Borrower,ehsD geD tite Property at pulilic aselion to tl�e Lighest bddder at We tlme and pascx aad umder tLe terios desigoated ia tlu notice�sale ia oue or more parcele snd'm a�order Trastec determiaes.ltvstee �Y P�e sale oP aIl or aay parcel of tLe ProPert3'I►Y adverHaiag in accordsnce wlth AAPHcable Law Lmdtx or ite d�e mey purcLe�Ute Property at a�e81e. �u�B� ��sA(YA)(o�oa�.ot qiL{o�W3� aapo to a ts Form 8047 1l01 DOC ID #: �_ : i rrascee slan aenver w t�e pnrcLeaer 1Yre�e�s aced conveymg the rrroper(y with spedai warranty f of tit�1Le redtele in fhe Trastee'e dced eLaII be prium facie ev�deatee�the IratL oI d�o etatemenfs made�erein Traetee eLall spgly�e proceeda oP tLe sele in the tollowio�order:(a)to�echarge me e�peners of e�cntln8 tLe iruat,indarling a rcaeoneblC 000nmuis�uu t01�i(b)to dJschae'ge sIl ta�t�, !evles,aud ae�ment,wSBi rnefs aad iuterevt it theee twete hsve prforlf,y over fhe lien ot Ode Se�urity ��S��P�rat�t6aeof i�tha corrcnt pea�;(c)W dfec6arpeln the order of Weir P��Y+��l1'►tLe r�sintng debfa anl obligations aecured hy fhie 3ecarIq Fae6ramnent,aad aqy Hene of record 3Merfor to fffie Secarriy Ynetivmmt und¢�r wLich sak ie mede,with lawPul interesa andr(�the restatae or me proceede shau ue paia to sorrmrer or sorrower�e ase�os.Treetee suan aoc be requtred,to take po�asian oi the Yroperty prIa�to the sele fhereo�or bo deliver poseessdon of the l�ropery to the purcbmer at the sale. 23.Releaee.Upon paymcnt of all sams secu[ed by Uri8 Secutity 7ashurruut,Lander shaII requeat Tiustee to re�ease tnis securiry 7n�nmemc ana susu sunenaer au notes evidencing aebc seao�ea by wia securiry Ias�udient W Tiustx.lYnstx shall release thia Secnrily Insftu�ma�►t Bouowu shall pay aay r�awrdadon costs. I.ender may charge Bormwer a fee for releesittg this Secarlty Instrume.nt,but oaty it the fee ie paid to a thicd pe[ty for ae�vioes tenderod�d the c6erging of the fee is pamitrod under Applicable Law. ?A.Sbbatilute Trostee.Lender.at ita optian.maY hom time to dme remove Traetee and eppoint a succeasor oroatoe to aay T:uata appaiated besem�drr.Without convaysace of the ProPertY�tfte sncc�ot tmstee ehall wcceed to all the title,power and dnties conEernd upon TYustee herein and by Applicable Law. ATOTICE:THE DEBT SECORBD�BY'7S SI)BJECT TO CAr.L IN F[7LL OR THE 18Rb�S TH�REOF B�SIIVG MODII+ISQ IN TSE EVENT OF SALE OR CONVSYANCE OP'THE PROPERTY CONVEYED. BY SIC3NINCi BE{AW.Boaower accepts and agreea W the tetms and coveoents ooa�taiaed in this Secnrity 7astnunent and'm stty Ridec execnted hy Boaower and recocded with it . ( Wimeases: �� DONNT& C. A1tTI8 -Har[oWar � �en-Qn nn Q l� �� _ iSeat) RARRARA H. A$TIS '8�°� �5�� -Bo¢ower (S�) -H�wvc �-en(vA)roto�m cMl.(oql� Paae 1�a�x Form ao4�Zro� DOC ID �: SfATBOFVIItG1NIA, ��qV�Vwa.�1c�-c�- Cu�ty4es: U u The fo[egclit�g instNmtnt was flcknowlodged befoce me thi8 �G�t,td'� � i �� 1 hY u I `�� e .�S +- .�1-,-�-�g we.. l��1i--�r.s My Commission Bspire� x W� NoraR��:� Ll.SA A.SEAY,h:,�_:.��Pub�C New Cumberland Bom,Cumbedand Ca � My Commission Fxp(res Juiy 24,2007 .e6plUia�e'� � �"'it►°'i�S`P+'�,::•a0[�,�,�_ d• '?�., 'r'.��" �..�f S"'• � r.`-»�'�� ''.��' ,�,,,ggg"""+++��'+�';' j �. �� i! i � �'r.��"� ` . . . �...�•'�:�:".:��';` � I •'Y�.� �'�: -i;�'t a�a ;.��p i �'r,' •�,��.;j• ( ';��'��/��,.,�y ��.. �M1'2.�i.:+"tl�1�-+r� � � cer��: t� . ��'. hPor�� m�BA(V/q(ota�.at piL(0410� P�.tz m�z Form 8047 tro1 Prepared by:13ABEL LARA ' COUNTRYWIDE HOME LOANS,INC. Branch f�: 0000710 6990 SOUTFIPOINT PARK4iA7C #300 DATE: 08/04/2004 s'nctcSOr�vIL�, � 32216 CASE#: Phone: (866)205-9595 DOCID�: 00006649711608004 sr Fax No.: (9oa>000—0000 BORROWER: DONiJIT C. ARTIS PROPER'iYADDREBS: 529 CARNABY COURT VIRGINIA BEACH, VA 23454 LEGAL DESCRIPTION EX�IT A �avn�ca�v �e�oamipuon Ext�ron a zc+oe-xx�aaas►�a� • 25991 • . ' � ' . • . ISp�ca Above 7fiM Lm Far Retordlag D�u) � 1-4 FAMILY RIDER , (Assignmept of Rents) Mer Recading Retum Ta • � C4UNTRYWIDE HOME. LOANS, INC. MS SV-79 DOCUMENT PROCESSING P.O.Box 10923 ' , van Nuys, CA 91910-0423 PARCEL ID #: • Propetod By: � . ANGELA MORR�S ' COUNTRYWIDE �[iOME LOANS, INC. , • 6440 SOUTHPaINT PARKWAY #300 , ' JACKSONVILLE FL 32216 Y ARTIS �� . (Escrow/Clo3ing A) (Doc ID #! THig 1..4 pANIII,y RIDER ia mede this EOURTH day ot AUGUST, 200A , ��a��y��a pmend and xapplancnt che Mortgage,Decd of Tros6.or and ie incuiporsud the unde�siBntd(the"Borrower")to becuro Securiry Deed(tUe•Se�u�iry losl[ument")of the samt date�ven by . Horrowets Note to COUNTRYWIDE HOME LOANS, INC. (the"Lender")of the asme dau and covuing the PropertY descxibed in the 5ccuriry insuumen[and located aC 524 CARNABY COURT VIRGINIA BEACH, VA 23459 I (peope�ty Addnrs� , 1-4 FADIILY COVENAIVTS. In addidon to the covenantt and agreemenu u�adc in the Secuciry � Instcument, Boaower aad Leadec furthw coveaaat and agree as follows: MULTI51'ATE 1-4 FAMILY RID@A-FonMa MWFr�ddla Nae tJNtFCRM INbTAUMENT Irdtlats:l�� pepe 5 of 3 - , �67R(Ooo9) CML(��1(d) �1P MOFffGAGE FOHMS•(B00)521•7291 Form 3i701ro1 CONVNA � • 2 � 9 9 1 ' . i ' � . . � , • �� , , t' � ► . , , , • DOC ID �k: �� appoiatcd to leica posseasion of and mana8e the Pmperty and colleCt the Renls ead progis desivod fcom We Pmpecty wltLont mry ahowing ae W tFu inadequacy of the Propntly as secnrlty� . If the Rants o[tho Property aca not snfficiwt to cover tlu cas�e ot tekiag control of end managing the Property and of collecting fhe Renls an9 lluids apeaded by Lender 6or snch pu�posos sball becomo indebcednrss of Bnrmwer m I,eodes aa�red by the Sscuaty Instrument pucsuent w Socdaa 4. Ha�rower rcptescnts and wwtanrs that Sorrowee hes not axecnted any prior auigament ot the Rents aad Las not parfoimed,end wlll aot pecfam,atry act that would p�event I�ender Irom exercising its a86ts a=►der this P�&�P� I.eadew or I.eade{a agents ar a jwGcisIIy appointed receiva.shall not be roqnimd co mter upoc,� control of ar maiataia the Pmpaty b¢foro or efter giviog aotice ot dc�ult to Bouowa.However,Leudeq or L.ende�a ageats or a jud'icie]Iy�ppoiated naiver.saaY do so at a�dme whm a datault aa:u�a.Anp applimdaa of Renta sds11 aot cuie or areive aoy defau[t or invaCdate any othes right or re�edy otlandcn This es�igamcnt oP Rcu�s of tbe Propec�y aha11 tcrmieate whea alllhe snms eauned bq the Securiry Iashument are paid ia full. L CROSS-DBFAUL.T PROVISION.Harowp's dcfault ar bnach nader any aate or agt�eemait la w6tch Laider has sa intaest shali be s bresch uodet the 3ecuaty IAsl�umeat and LeadGr may lnvome any of the nooediee pa�iued bq the Security 7asuament BY SIC3riJNCi BffiAW.Borcnwec aeeepts and to tha tecwe and provlsione contaiaed in fhia 1-4 Pamily Ride[. , �� (g�) DONNIE C. ARTZS -em�v+= � � � ,�us a� <S� ; snasaxn s. axsis - -a°�°� ' (s�i? -s� . �� -s�,« (��i7Fi i0008) CkiL(OBl�O� Pape S of 9 Forn1 91 70 1101 • , ' � � . . . noc in #: �� . A. ADDTfIdNAL PROPERTY SUBJBCT TO THE SECI3RY171 II�}STR[JN�NT. in adtlinon ro uu Propaty dosctibed ic ihe Securiry lnsuument,the following itern.t now or Iteteafter atcached to tha ProPesry'to tde extent Wey are fixtnres aro added to the Pmp�scy desaiPdon.aad st�e}t also conatitute�he Properry wvered by the Sec�uity]nstcumrn� bnilding maoedals, a�llances and Soods of evcry nawre whetsoaver now a demsfter loceted In,on,or need,or 3ntended[o be uscd'm crnmxtiou with the Propetry,iucluding,but no[ Gmiled ro,those foc ihe purpoAes of supplying or dis4ibudag heeting.cooling�electriciLY,8��''� light�fue Prevendon azid extin8��6 aPP�ys��udry and nccea+con4o!ePP��Plwnbing,bath mbs� ws�et heatets� we[er cloaas, aiaks� rnn8ea, swve.s, rofrigwatoce, dishwaehera. diaposafs, washers, dryera, • awniug�,stomr windows� stamn doois,screens,blSnds,ahadea�cuneim and cunain rods.ettached microra, cabinets,peneliag ead a[rached Door coveriags,all of which,ineiuding nplaeeraqnts end additions thereto,ahall be deuned to be and iemain a pan of The Pmperty covered by the Security tastrwaenl.A11 of lhe foregoing together with the Pmpeny deecribad'in rhe Security Instcument (� the leasehold estate if the Security • Inswment is on a kasehold)are referttd to in this 1•4 Pamily Rider and 1he Secuciry inatnunent as ctro �ro B USE OF PROPERTY;C011�LIANCE WiTEi LAW. Borsower sha11 not seek.eSree w or meke a change in the use of the Pmpecty or its zooing classification,uaksa Lender has agned in writiag w tha change. Bonowes shall comply with all laws,ordinanca.regulationa snd reqaircments of any govanmeetal body applieeble to the Pmperry. , C.SiIBORDINATS LTENS.Exapt as permiaed by federal law,Horrower ahall not diow any tiat infertor to the Securlty Inaunmeac to be perfected againat tlte Pmperty without F.endets prior written pe�missioa D.REPlT LOSS INSURANCE.B'oirower s6elt msinisin insucance against rent loss in ad'didon w the other hezarde for which insunace is requlred by Sxaon 5. ' E."BORROWER'S ItIGHT TO!t$INSTATE"DELETL+D. Seetion 19 is deleted. F.BORROWER'S OCCUPANCY•Unlesa Lender and Boaowet otheiwise agree in writing,Section G . concemiug Boaower's occupaney ot the Pmputy ic deleted. G.ASSIGNN�VT OF LF.ASES. Upoa Lwder's saryeat aher default,Boaower shal[assi�n to I.ender all leases of the Propecry snd all secncity depo&its made in canneaion wi�s leases of thc Property.Upon the . aasignment,LLnder ehaU Aeve Ihe right to mod�fy�extend or temsinatc tlu ezistiag leases end to execn[e new lresec,in Lendefs sole discruiort.As usut in thia pazegcuph G,the word"lease"shatl mesn"sublaese"lf the Securiry In�aumeat is on a leasehotd. �i.ASSiGNMENT OF R�NTS; APY'OINTMBNT OF RECEIVER; LEND61t IN.POSSES3ION. • Boaower abaoiute3y and uncond'etioaally asaigns and transfers to Lender all the renu end mvenuea("Rcocs")of the Pmpetty,regazdless of to whom thc Renta oF t6e Propuly are payable.Boaowcr authosizes L.ender or L.endets a�ents to collect the Rents,end ugras thet cach tenant of the Property s.hall pay the Rente ro Lecader or Lende�s agents.However,Boaowa shalf�xeive the Rents until:{�I.ender hes eiven Bortower nocice of default purausnt to Ssaiim 22 of�he Secvriry Insc�umen4 and(»)Lender has gi�a''naico to the tcnenc(s)that • the Renta ere w be paid to Lend�c or Lender'x agenc This aeairgnm�nt of Ruics consdmtce an absotute ' essign�n[end aot an assignment Eor addilional eeeuriry only. I[Lender gives notice of defsult W Boaower:(i)all Rai�s received by Bocroww ahaU be held by Bormwer u austee tor the benefic of Lender anly�to be apPlied w the sums securod bY the SeciuitY lnsnument;(ii) Leadu shalt be enddai w coDect aad ceccivc a!i ot the Rents of the Pmpc�ty;C�ii)Borrower aigreea t�at cach ' �enant of the Prope�ty s6all pay aU Reuts due ead w►paid to Lender or Latde�s a,gents upon Lenders wrinen � demand to ehe tmaat;(iv)unlees applicsble iaw provSdas othenvise,elI Renu collected by I.ender or La�dw's � egmcs sha[1 be applied fuFt�n Ehe costs of iaking con�rol of and cnanaging the Pcopecty end collecting the Rents, induding, buc nnc limited to, eaorneys' fas, receiver'�,,fas, premimns oa nceivets bonda, mpeir and mainlenance cosls'ssue�cunce Praniums�taxes�exsesemenu and other charges on ttu Propaty�and thon w the sums secured by Uu Sec�uity Insuoment;(v)Lendar�Lender'a agenro or any jndiciaUy appointed receiver shaU be liable to axoune foc only rhose Rente acwally received:and(vi)I.ender shall be endded to hsve a receiver k�ltlds� •�� d7R(OOOBj CHL(08ro� Pega 2 018 •� Form 91701/01 I � i � v BankofAmerica—WestRI 3/16/2015 10:14:42 AM PAGE 2/003 888-294-5658 C3_3547 S310L1 17756 D&11/2014 BankofAmerica PAYOFF STATEMENT �' Hame LoaK �� Good Through Date and/or Payo/lDqpanment,MaYStopNC4fOSoi-4o Pro sedClosin Date 4161 Piedmait Pkwy � g Greensbao,NC 27410-81 f0 April 13,2015 Statement Date March 16,2015 ARIN FAGHANI Bank of Americ�N.A. � X Loan No.: � x X,VA 23454 Name&Property Address: Estate Of Donnie C Artis 524 Carnaby Court Virginia Beach, VA 23454 Faued to: 1-214-416-0449 (CONV) PAYOFFCALCULATION Prindpal Balance as of 03l0112015 $68,751.20 Irderestfrom 03/01/2015 to 04/13i2615 529.31 County Record'mg Fee 41.00 Tatal Amount Required to Release Lien(As of April 13,2015) 569,321.51 Amanded PayoO SLExnenh are sent auMmaNuly il tlre toh!srrwunt due incressea bdore APRlL 13,m1S INTEREST CALCULATIONS For all Tull month payment periods,interest is calc�ated on a monthly basis. Accordngly,interest for all full months,induding February,is calculated as 30/360 of annual interest,irrespective of the actual number of days�the month. For partial months, interest is calculated daly on the basis of a 365 day year. AdJustable rate mortgage loans may have more Man one iMerest rate in effect during the period in which this payoff sfatement applies. Amended payoff stateme�a are seik automatically if the total amaunt due increases before April 13, 2015. Dail Interest' From To Interest Rate 12.4788 04/01/2015 OM13/2015 6.6250 'Daily Interest=Priricipai Balance x Interest Rate+365 PAYOFFINSTRUCTIONS Payoff funds must be made payable to Bank of America,N.A.and will be accepted by wire or certified funds only. They must reference the Bank of America, NA. loan number, property address and borrowers name� the Originator Beneficiary Infarmation(OBI)field of the wrce transfer or on the face of the check and must be sent per the instructions below. Failure to do so may cause delays resulting in additional irrterest due or the retum of the funds to the remitter. Certified Funds�eceived after 2:00 p.m.Central Time may be posted the following business day,with the appropriate effective date. Send Wire FwMs to: Mail Certified Funds to: Benefiaary Bank: Bank of Amerip Bar�k of America ABA Routng#: 0260-0959-3 Attention:Payoff Departrnent,Mail Stop TX1-160-06-19 Benefitiary Acct Name: MRC 1950 N Stemmons Fwy,Suite 6020,Dallas InfoMart MRC Account#12356-19173 Dallas TX 75207 Reference: Estate Of D�nie C Artis Loan Number:! Please do not send certifled funds to the wire funds instructions above as certlfied funds must be processed in our Payoff Department. The following escrow items may be disbursed prior to our receipt of payoff funds: ESCROW ACCOUNT Escrow kem Last Pmt Date Last Pmt Amt Next Due Date INPORMATION Hzd:Allstate Insurance 09112/2014 604.73 10/05/2015 CO City Tax 11114l2014 729.59 05/01/2015 EXHIBIT r 1,�`� Please call 1-800�69�r833 for updated payoft ir�formation within 24 hours of submitting funds. Bank of America,NA.is required by law to infortn you that it is a debt collector. If you�e currently in a ba►dvuptcy proceeding a have received a�scharge of the debt referenced�ove,this notice is for informational puposes only and is not an attempt to coAect a debt or demand a payment. If yai aze represented by an attomey,please provide this notice to your attorney. See following page iar important informatlon. BankofAmerica—WestRI 3/16/2015 10:14:42 AM PAGE 3/003 888-294-5658 � Bank of America,NA. Statement Date: Statement Void After: Loan N� March 16,2015 April 13,2015 YOUR CURRENT ESCRO W BALANCE IS a1,01 B.4B AND MAY NOT BE USFD AS A CREbIT TOWARD PAYOFF. BANK OF AMER/CA,N.A.AUTOMAT/CALLY PROCESSES ESCROW REFUNDS 20 BUSINFSS DAYS AFTER PAYOFF/N ORDER TO ENSURE ALL OUTSTANDlNG FUNDS HAVE CLEARED. ESTIMATED As of Amount As of AmouM PAYOFFSCHEDULE 04/03/2015 69,196.72 04l1412015 69,333.98 04/0612015 69,234.15 Total Payoff as of 04I15f2015 69,346.46 04/07l2015 69,246.63 Ap�il 13,2015 04116/2015 69,358.94 04/08/2015 69,259.11 $69,321.51 04l1712015 69,371.42 04/0912015 69,271.59 04/20/2015 69,408.86 04/10/2015 69,284.07 04/21/2015 69,421.34 64l2212Q15 69,433.81 04/23/2015 69,q46.2g PAYOFF OVERAGES If Bank of America,N.A. receives funds greater than the amount required to pay off your loan,we will automatically process the overage witha�20 business days after payoff and retum the excess amount to you. If an address change is being submitted on behalf of the borrower,the form must be signed by the borrower for the address change to take ef(ect. ELECTRONIC PAYMENT INFORMATION If you are planning to pay off your loan and the draft date is near your payoff date, you must call Bank of Ameriq, N.A. at 1-800-669-6607 five business days priw to the scheduled draft date to have your electronic draft service cancelled before the loan is paid off. Failure to cancel the service after a payoff is ordered may result in ezcess funds being drafted from your finanaal account. These funds wil be retumed with any other additional funds held in yo�x account afterthe payoff is wmplete. BANKRUPTCY DISCHARGE If you have received a discharge of this debt in a bankruptcy,you have no personal obligation to repay this debt. However,the lender may still foredose on your property if the debt is not paid as requ�ed by the loan documents. This payoff statement is provided at your request and for your convenience. This is not an attempt to colled a debt that has been discharged, rwr a demand for payment. HOMESAVER ADVANCE(HSA)NOTES For borrowers with a HomeSaver(HSA)Note,please refer to these spedfic disclosures: • The HSA note is due and payable in full in the event of a sale or transfer of ownership of the property, • PayoH of the HSA note is not required to release the first-lien mortgage loan;and • The HSA note must continue to be paid in the event of a iefinance. IF YOUR LOAN HAS BEEN MODIFIED UNDER THE HAMP PRO(iRAM: Please note that certain modification agreemer�s induded a "principal reduction"component, which means that the principal balance of the loan may be�educed if it remained in"good standing"(i.e.,less than three months delinquent)at all times during the first three years after the date of the mod'fiication{or a proportionate amount for each yeady period of good stan�ng). If:(I)your modification agreement included a principal reduction component�(II)you maintained good standing as required under the terms of your mod�cation agreement, your payoff balance has been adjusted to reflect the reduced prinapal amount you are entitled to. If your payment status changes befo�e the expiration of this payoff statement,and you are no longer in good standing, you will no longer be qualified to receive all of or a poAion of the principal redudion amount we have credited you for and your payoff amount will inaease. If tNs occurs, please call us at the number below for an updated payoff figure. After this payoff statement expires,please be sure to request an updated payoff statemeM. If yai have questions,please�eview the terms of your mod�cation agreement or contact us at 1-800�51�362. ADDITIONAL INFORMATION The payoff amount Indicated In this statement(s subject to change for various reasons,including but not limited to the follawing: • We may not have posted a recently submitted payment;Note:Please do not place a stop payment on any check. • A fee may be assessed if a paymer�is retumed unpaid by your finanaal institution for any reason; • Add'Riaial or anticipated fees and costs may be incurred relating to collection,faedosute,bank�uptcy,or other defaults on yourloan; • Adjustments may be required to refled disbursements made by,or payments owed to,your priw lender'rf the servicing of your loan was transferred to Bank of America,N.A.; • Late charges may be assessed for delinquent payments received after: 04116l2015; • Funds may be deducted from your escrow account to pay taxes,insurance w other escrow items that become due. Automated Payoff Request Line: 1-800b6&5833 Fau:1-888-836-8714 Nofa:Si necesita la infamacibn incluida en la Demanda de Liquidacibn traducida�espafiol,por fava canun(quese con nuestro Departamento de Servido al CIIeMe al 1•800�66}6607.