HELEN E. WOLFE APPEARANCES : JUDGEMENT: AFFIRMED …Richa^d Wolfe and Helei Wolfe. THE SUPREME COURT...

THE SUPREME COURT OF OHIO

The Bank Of New York Mellon Fka TheBank Of New York, As Trustee For TheCertificateholders Of The Cwabs Inc.,Backed Certificates, Series 2006-24

APPEALS CASE NO. 12-CA-26

Plaintiff-Appellee NOTICE OF APPEAL

-vs.-

William J. Casey AKAWilliam Joseph Casey, Et Al.

LOWER COURT CASE NO.12-CV-723 AND 10-C V 877

Defendants-Appellants

Richard L. Wolfe andHelen Wolfe


CH.IARACTER OF PROCEEDINGS: Court of AppealsFairfield County, OhioFifth Appellate District

DATE OF JUDGEMENT;

JUDGEMENT:

OCTOBER 21, 2013

AFFIRMED

APPEARANCES :

For Plaintiff-Appellee For Defendants-Appellants

EDWARD H. CAHILLP.O. BOX 165028Columbus, OH 43216-5028

•.,} <-.. . . , .." ^

RICIHARD L. WOLFEHELEN E. WOLFE955 Rock Mill Road NW:Lancaster, OH 43130

fw. i ;^s^ ;.î^ •^g^^^3âî.'s,..4:y4 •.r: â5. ,>i..

s''{ii11 oi' r0s"1110

THE SIUPREME COURT OF OHIO


Plaintiff-Appellee

-vs.-

William J. Casey AKAWilliam Joseph Casey, Et .Al.




CHARACTER OF PROCEEDINGS:

DALE OF JUDGEMENT;

JUDGEMENT:


NOTICE OF APPEAL

LOWER COURT CASE NO.12-CV-723 AND 10-CV 877

Court of AppealsFairfield County, OhioFifth Appellate District

OCTOBER 21, 2013

AFFIRMED

Now comes Appellants, Richard and Helen Wolfe, hereby give notice of

appeal to the Supreme Court of the state of Ohio.

Due to the lower courts' failure to recognize that the New York Mellon

Bank's hidden and lost documents for over three years were fraudulent and.

unrecorded or filed in any court. The mortgage signature page and two deeds

clearly states the said documents must be filed in Fairfield County Recorder's

Office, Lancaster, Ohio, 43130, in October 2006. `To date, the New York Mellon

Bank has not filed the mortgage of 2006. During the Appellate Court Oral

hearing, the Attorney, Cahill, representative of New York Mellon Bank admitted

the New York Mellon Bank has not recorded the mortgage or deeds. Furthermore,

no funds have been dispensed. on this fraudulent mortgage.

The Appellee used the Mortgage Electronic Recording System (MERS) as

proof of their interest in the property. However, the National Mortgage Settlement

Administrator, conducted a nation wide search and has confirmed that there is no

MERS loan or tracking number assigned for 955 Rock Mill Road NW Lancaster,

Ohio, 43130.

The felony is that the New York Mellon Bank has knowingly and repeatedly

filed fraudulent documents claiming interest througll MERS. To date, the New

York Mellon Bank has failed to produce a MERS loan with the required eighteen

digit tracking number. The eighteen digit tracking number is the only ivay to

confirm a MERS mortgage. There is also evidence of "robo signing."

Please find the enclosed Exhibits 1(MERS tracking number information

and 2 (Copy of unrecorded mortgage).

Richard Wolfe and Helen Wolfe



Plaintiff-Appellee


MOTION FOR STAY

-vs.-

Wllliam J. Casey AKAWilliam. Joseph Casey, Et Al.

LOWER COURT CASE NO.12-CV-723 AND 10-CV-877




CHARACTEP:. OF PROCEEDINGS: Court of AppealsFairfield County, OhioFifth Appellate District

DATE OF JI.JUGEMENT;

JUDGEMENT:

OCTOBER 21, 2013

AFFIRMED

APPEARANCES:

For Plaintiff-Appellee For Defendants-Appellants

EDWARD H. CAHILLP.O. BOX 165028Columbus, OH 43216-5028

RICHARD L. WOLFEHELEN E. WOLFE955 Rock Mill Road NWLancaster, OH 43130

Certificate of Service

The undersigned hereby certifies that a true copy of the foregoing wassent by ordinary United States mail this 31. S` day of October, 2013, toattorney for Appellee/Plaintiff:

Edward H. CahillP.O. Box 165028

Columbus, Ohio 43216-5028

Richa^d Wolfe and Helei Wolfe


The Bank Of New York Mellon Fka TheBank Of New York, As Trustee For TheCertificateholders Of The Cwabs Inc.,Backed Certiricates, Series 2006-24

Plaintiff-Appellee


MOTION FOR STAY

-vs.-

VVilliam J. Casey AKAWilliam Joseph Casey, Et Al.

LOWER COURT CASE NO.12-CV-723 AND 10-CV-877




CHARACTER OF PROCEEDINGS; Court of AppealsFairfield County, OhioFifth Appellate District

Now comes Appellants, Richard and Helen Wolfe, hereby request a motion

for stay of'case(s) 10-CV 877(Sununary Judgement) and 22-CV 723 (foreclosure),

pending the outcome of our appeal case to the Ohio Suprezne Court.

We are requesting no bond due to indigence, as Helen Wolfe is elderly and

disabled and Richard Wolfe is an elderly and disabled veteran. The Ohio

Fifth District Appellate and Fairfield County Common Pleas Court did not require

a bond.

Kichard Wolte and Helen Wolfe

Certificate of Service

The undersigned hereby certifies that a true copy of the foregoing wassent by ordinary United States mail this 31 S` day of October, 2013, toattorney for Appellee/Plaintiff:

Edward H. CahillP.O. Box 165028

Columbus, Ohio 4a216-5028

^^j4t"V Li ()-^

Ri ard VVolfe and Helen Wolfe

COURT OF APPEALSFAIRFIELD COUNTY, OHIO

FIFTH APPELLATE DISTRICT

THE BANK OF NEW YORKMELLON FKA THE BANK OFNEW YORK, AS TRUSTEE FOR THECERTIFICATEHOLDERS OF THECWABS INC., BACKEDCERTIFICATES, SERIES 2006-24

Plaintiff-Appellee

^VS-

WiLLtAlVI J. CASEY AKAWILLIAM JOSEPH CASEY, ET AL.

Defendants-Appellees

RICHARD L. WOLFE ANDHELEN E. WOLFE


CHARACTER OF PROCEEDING:

JUDGMENT:

JUDGES:Hon. William B. Hoffman, P.J.Hon. Sheila G. Farmer, J.Hon. Patricia A. Delaney, J.

DATE OF JUDGMENT: f-) (^fi ^^ 2 0+3

APPEARANCES:

For Plaintiff-Appellee

EDWARD H. CAHILLP.O. Box 165028Columbus, OH 43216-5028

6cXnk 20 P9s.

Case No. 13-CA-26

OPINION

^

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^^-•'^^ ^^ ' ^'^

10^^.j^^

^85-L'01c)+

Appeal from the Court of CommonPleas, Case No. 2012 CV 00723

Affirmed

For Defendants-Appellants

RICHARD L. WOLFEHELEN E. WOLFE955 Rock Mill Road, NWLancaster, OH 43130

c f

Fairfield County, Case No. 13-CA-26 2

Farrner, J.

{%1} On July 20, 2010, appellee, The Bank of New York Mellon fka The Bank of

New York, as Trustee for the Certificateholders of the Cwabs Inc., Asset-Backed

Certificates, Series 2006-24, filed a declaratory judgment action against William Joseph

Casey, the Starkey Family Revocable Living Trust, and appellants, Richard and Helen

Wolfe, seeking the rights and obligations of the parties regarding real estate located at

955 Rock Mill Road in Lancaster, Ohio (Case No. 10 CV 877). On December 21, 2010,

the trial court declared that title to the property was vested with Mr. Casey and appellee

was the assignee of the unrecorded MERS/Countrywide mortgage and was entitled to

enforce the mortgage. The trial court also declared appellants did not have a{egal or

equitable interest in the property.

M2} On March 7, 2011, Mr. Casey executed a Quit Claim Deed to appellants

which was recorded on March 17, 2011. On March 30, 2011, appellants filed a Civ.R.

60(B) motion for relief from judgment since they now held title to the property. By order

filed May 23, 2011, the trial court denied the motion. This court affirmed the trial court's

decision. The Bank of New York Mellon v. William Joseph Carey, et at., 5th Dist.

Fairfield No. 2011 CA 31, 2011-Ohio-6887.

{¶3} On July 5, 2012, appellee filed a complaint in foreclosure against

appellants and others for failure to pay on a note secured by a mortgage (Case No.

2012 CV 00723). On December 11, 2012, appeilee filed a motion for summary

judgment. By memorandum of decision filed January 30, 2013, the trial court granted

the motion. A judgment entry and decree in foreclosure was filed on February 7, 2013.

Fair-f►eld County, Case No. 13-CA-26 3

{¶4} Appellants filed an appeai ' and this matter is now before this court for

consideration. Appellants set forth three issues for review which we will accept as

assignments of error:

{¶5} "WHETHER THE TRIAL COURT ERRED OR ABUSED ITS DISCRETION

IN RULING THAT THE WOLFES WERE NOT BON F6DE PURCHASERS GIVEN THE

RECORD AND ATTESTATIONS OF APPELLEE."

11

{1[6} "WHETHER THE COURT ERRED OR ABUSED ITS DISCRETION IN

GRANTING SUMMARY JUDGMENT TO APPELLEE AS AGAINST APPELLANTS

CLAIM BASED ON THE VALIDITY OF AN UNRECORDED DOCUMENT

PURPORTING TO BE A MORTGAGE THAT FAILS TO MEET THE REQUIREMENTS

OF A MORTGAGE PURSUANT TO COMMON LAW AND OHIO PRECEDENTS."

III

{%7} "WHETHER THE COURT OF COMMON PLEAS ERRED OR ABUSED

DISCRETION IN FINDING THAT THE APPELLEE HAD STANDING TO BRING THIS

ACTION BECAUSE THE MERS MORTGAGE WAS NOT PROPERLY RECORDED.°

{¶8} Appellants challenge the trial court's granting of summary judgment to

appellee. Summary Judgment motions are to be resolved in light of the dictates of

Civ.R. 56. Said rule was reaffirmed by the Supreme Court of Ohio in State ex rel.

Zimmerman v. Tompkins, 75 Ohio St.3d 447, 448, 1996-Ohio-211:

Civ.R. 56(C) provides that before summary judgment may be

granted, it must be determined that (1) no genuine issue as to any

Fairfield County, Case No. 13-CA-26

material fact remains to be litigated, (2) the moving party is entitled to

judgment as a matter of law, and (3) it appears from the evidence that

reasonable minds can come to but one conclusion, and viewing such

evidence most strongly in favor of the nonmoving party, that conclusion is

adverse to the party against whom the motion for summary judgment is

made. State ex. re1. Parsons v. Fleming (1994), 68 Ohio St.3d 509, 511,

628 N.E.2d 1377, 1379, citing Temple v. Wean United, Inc. (1977), 50

Ohio St.2d 317, 327, 4 0.03d 466, 472, 364 N.E.2d 267, 274.

4

{%9} As an appellate court reviewing summary judgment motions, we must

stand in the shoes of the trial court and review summary judgments on the same

standard and evidence as the trial court. Smiddy v. The Wedding Party, Inc., 30 Ohio

St.3d 35 (1987).

}

{%1 0} Appellants claim they are bona fide purchasers in good faith, as they paid

consideration for the property and therefore took the land free from unrecorded liens.

We disagree.

{111} On March 7, 2011, William Joseph Casey executed a Quit Claim Deed of

the subject property to appellants which v ►1as recorded on March 17, 2411. See,

Exhibits 16 and 17 atfached to Appellant's Amendment to Wolfe's Summon's Answer

filed August 7, 2012. Also attached to this pleading as Exhibit 13 is a General Warranty

Deed of the property from Dan E. Starkey and Toni D. Starkey, Trustees of the Starkey

Family Revocable Living Trust to Best Choice Homes, Inc. dated April 21, 2005 and

recorded on April 26, 2005.

Fairfield County, Case No.'3-CA-26 5

{%12} Appellants were parties to the 2010 declaratory judgment action related to

appellee's unrecorded mortgage. Appellants appeared and defended by filing an

answer on August 12, 2010. On December 21, 2010, the trial court declared that title to

the property was vested with Mr. Casey and appellee was the assignee of the

unrecorded MERS/Countrywide mortgage and was entitled to enforce the mortgage.

The trial court also declared appellants did not have a legal or equitable interest in the

property. This judgment was final and never appealed. In lieu of an appeal, appellants

filed a Civ.R. 60(B) motion for relief from judgment requesting equitable relief. The

motion was denied and this court affirmed the decision in The Bank of New York Mellon

v. William Joseph Casey, et al., 5th Dist. Fairfield No. 2011 CA 31, 2011-Ohio-6887, ¶

54-56, specifically addressing the validity of appellants' title to the property as follows:

Appellants further attempt to argue that their acquisition of a quit-

claim deed from William Joseph Casey subsequent to the final decision in

this case somehow creates a meritorious defense under Civ.R. 60). We

disagree. In Ohio, the doctrine of iis pendens is codified under R.C.

2703.26, which provides:

"When a complaint is filed, the action is pending so as to charge

third persons with notice of its pendency. While pending, nc, interest can

be acquired by third persons in the subject of the action, as against the

plaintiffs;.tEtle ">

..--Here, as stated by the trial court, Appellants acquired their interest

in the subject property from William Casey after Appellee's interest had

been determined by the Judgment Entry filed on December 21, 2010 but

Fairfield County, Case No. 13-CA-26 6

before the Sheriffs Sale of the property took place. Thus, Appeflants took--------^

only the interest that William Casey had in the property. Further, the quit-

claim deed acquired by Appellants from William Casey gave them Casey's

interest in the property which was subject to the Judgment Entry filed on---- --- --------

Decemher 21, 2010.

{%13} Because appellants' claim of title is based on the March 7, 2011 Quit

Claim Deed from Mr. Casey, appellants were not bona fide purchasers as they took title

during the pendency of the declaratory judgment action to which they were a party.

This court's opinion explained the doctrine of lis pendens and the bar to pursuing the

bona fide purchaser claim.

{lf14} Assignment of Error I is denied.

11,111

{^9 5} Appellants argue the unrecorded mortgage failed to meet statutory

requirements and appellee lacked standing to pursue the foreclosure action. All of

appellants' arguments center around the claim that the mortgage was unrecorded. As

we noted in Assignment of Error l, the validity of the mortgage wa 11litigated

between the parties in the 2010 declaratory judgment action. Appellants sought to

invalidate the declaratory judgment action via a Civ.R. 60(B) motion for relief from

judgment which was denied by final judgment entry filed December 21, 2010, attached

to appellee's brief as Exhibit A:

This Court further finds that the Bank of New York Mellon fka the

Bank of New York, as Trustee for the Certificate Holders CWABS, Inc.,


Asset Backed Certificates, Series 2006-24, is the assignee of the

MERS/Countrywide mortgage and is the owner of and entitled to enforce

said mortgage.

IT IS THEREFORE, ORDERED, ADJUDGED AND DECREED that

Bank of New York Mellon has an equitable lien by virtue of a mortgage

dated October 26, 2006 from William Joseph Casey to

MERS/Countrywide Home Loans, Inc. in the principal amount of

$186,400, on the property described above.

IT IS THEREFORE ORDERED, ADJUDGED AND DECREED that

Defendants Richard L. Wolfe and Helen E. Wolfe have no legal or

equitable interest in the property described above.

7

{%16} Res judicata is defined as "[a] valid, final judgment rendered upon the

merits bars all subsequent actions based upon any claim arising out of the transaction

or occurrence that was the subject matter of the previous action." Grava v. Parkrnan

Twp., 73 Ohio St.3d 379, 1995-Ohio-331, syllabus. "The doctrine of res judicata

involves both claim preclusion (historically called estoppel by judgment in Ohio) and

issue preclusion (traditionally known as collateral estoppel)." Id. at 381. Claim

preclusion "prevents a party from litigating a cause of action after a prior court has

rendered a final judgment on the merits of that cause as to that party." Krahn v. Kinney,

43 Ohio St.3d 103, 107 (1989), citing Norwood v. McDonald, 142 Ohio St. 299 (1943),

paragraph one of the syllabus. Issue preclusion "precludes the relitigation of an issue

that has been 'actually and necessarily litigated and determined in a prior action.' "


(d) 1lVithout notice that the instrument contains an unauthorized

signature or has been altered;

(e) Without notice of any claim to the instrument as described in

section 1303.36 of the Revised Code;

(f) Without notice that any party has a defense or claim in

recoupment described in division (A) of section 1303.35 of the Revised

Code.

9

{%20} Upon review, we find appellee had standing to pursue the foreclosure

action and appellants are not bona e purchasers as against the equitable mortgage of

appellee.

{121} Assignment of Errors Il and I11 are denied.

{¶22} The judgment of the Court of Common Pleas of Fairfield County, Ohio is

hereby affirmed.

By Farmer, J.

Hoffman, P.J. and

Delaney, J. concur.

Hon. Sheila . armer

Hon. William B. Hoffm

Hon. Patricia A. DelaneySGF/sg 103

,IN THE COURT OF APPEALS FOR FAIRFIELD COUNTY, 01='if^^ ^^-

FIFTH APPELLATE DISTRICT 2,0130CT21 Ptq 1.09

THE BANK OF NEW YORK MELLONFKA THE BANK OF NEW YORK, ASTRUSTEE FOR THE CERTIFICATE-HOLDERS OF THE CWABS INC.,BACKED CERTIFICATES,SERiES 2006-24

Plaintiff-Alapellee-vs-

WILLIAM J. CASEY AKAWILLIAM JOSEPH CASEY, ET AL.

Defendants-Appellees

RICHARD L. WOLFE ANDHELEN E. WOLFE


,.;.,..=L.FlR+fiH ..7MP5L..LE 3

#;Ll; RK OF CGi^^ TS3FAIRFIELD ca. arl10

JUDGMENT ENTRY

CASE NO. 13-CA-26

For the reasons stated in our accompanying Memorandum-Opinion, the

judgment of the Court of Common Pleas of Fairfield County, Ohio is affirmed. Costs to

appellants.

4SShhZ^iia armer

Hon. William B. Hoffrn

^Hon. Patricia A. Delaney

[VII)EO] MERSCORP. CEO "There are 20,000 (robo-signers) of those nationwide" Page 2 of 10

EKh;h f 1

- ---- - _ _ -->Sena.tor Merkley: How many folks have you designated as certifying otfiteês esse^ l.ally^te;xar-^l`y mad.ethem members of your company? In order to execute this process?

Mr. Arnold: Well it's not teanporary... its limited... their limited to 7 specific items that they can do forMERS...ahh there are TWENTY THOUSAND (20,000) of those nationwide.

Mr. Merkely: I'm sorry I'm out of time but it's creating a legal confusion and that's an issue and I'm soriy.Thank you all very much.

DinSFLA Nere:"7 VERY ^^ÔP, 1"ANT DOCUMENTS" that may involve trillions of. .........

dollars worth of real estate that are executed by any one of these 20,000 robo-signers... But if youread on this image below ... it's well over "7 Specific, Doctaênf^" more like ANY & .A.i:,L1

Actual excerpt from a MERS Agreement of Signing Authority.

,-^__----------^_^___._Execute any and all doci.zments necessary to foreclose upon the property securing any mortgageloan registered onttie MERS System that is shown to be registered to the Member, including butnat limited to (a) substitution of trustee on Deeds of Trust, (b) Trustec's Deeds upon sale onbehalf of MERS, (c).:A£fidavits of Non-military Status, (d) Affidavits of3udgment, (e) Affidavitsof Debt, (f) tla:itelaim deeds, (g) Affidavits regarding lost praznissory notes, and (h) endorsementsof promisso no VA rrr on belâ of MERS as quired pa

^t

^^ of the claims pracess;^rec^^^^^^ôuacomTake any andatl actions and execute all documents necessary to protect the interest of theMember, the> beneficial owner of such nortgagelcsan, or MERS in any bankruptcyproceedingregarding a lfoan: registered on the MERS System that is shown to be registered to the Member,including but not limited to: (a) executing Proofs of Claim and Affidavits of Movant under 11U.S.C. See, 501-502, 13axzkruptcy Rule 3001-3003, and applicable local baxilrnxptey zvtes, (b)entering a Notice of Appearance, (c) vote for a trustee of the estate of the debtor, (d) vote for acommittee of creditors, (t) attcnd the meeting of creditors of the debtor, or any adjournmentthereof, and vote on iaehalf.of the .Meanber, the beneficial owner of such mortgage loan, orMER.S, on any question that may be lawfully submitted before creditors in such a meeting, (f)complete, execute, arrd return a ballot accepting or rejecting a plm and (g) execute reafftrm.ationagreements.

littp.//stopforeclosureffaud.conV2(} 10/11 /20/video-merscorp-ceo-there-are-20Q4a-robo-sig... 3/23/2013

MERSV ServioerTD

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https:/Iwww.mers-scrvicerid.orglsis/search 8/712013

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COUNTRYWIDE HOME L,Oa'LIJS, INC.

MS SV-79 DOCUMENT PRQCESSING

P.G.33ox 20423Valz Nuyc, CA 91410-0423

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DEFINITIONS

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orp:aflizcd .uld eeisting ualder t.lle laws of NEW YORKLellclet''s ttcdcLress is

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Dollars (]. ^. ^ 7.86 , ^.00 . 00 ) )( It7S Il1ICICSt. Ii0]'i:O\et>3' ill)1"+i111isC(1 to i'<t '(11551 has ) } cic(3t iFa ii,^:tllEaTPCfa'L)dic Pil)allellts ilAiLl to pay lll(: debt in full Iat)t Ititer tllilll NdVEMBER 01, 2036

(T). "^, >,;c<:;" e; ns tl.U l,:opefty tllat is described belmv U.ld.i' the lic<aefillg "-I'r;;nsfer oI I'.igllts all tileProperty."(G) 97t.t2i!lab^ allellns tile debt evidenced by ille NOte, plus 1?iteY?st. ,1!1)' 1?t'''1)21)llle;ll (."ll?lrgns F)]ld lalte cfltlrg,es

dtae under tlic Note. <uld all stttlls due lultler llais Securit,, Tnsl.fucslcnt, pius interest.(1-3) "Riders" nlet)lis all Ricfeas to tllJs Secilril}' Tilsttlllalcnt tla;ll <Ire cxccuted by Borrower. The lallowialgRidcrs ara to !ze ctiecltted b)' Borrower [clleck: box as tlpf7licaUlc];

C] Ad,{ustaahic Riate Rider Cptldoalliniltall f.tides, Sccoald Holne Rider[l 13,lllooal Rider ^ Pititlncd Unit IJevcloplllent lZidcr 1-4 Family .Ridcl'EJ VA Ridci' [^ $iwcck13, P<tylncnt Rielcr 0111cr(s) (spccilj"j

(i) "Applicable Lali," me.ltis alt COlltl't31ling applicable tecJeral, st<ltc <afad locil sttlttitcs. rcglfl<atiofas.F1Id1n21nces iafld administrative n.tles and ordGrs (that have thc effect of lativ) as zve]l as all ;lpplicabic I-iilal,noll-appcaliable.judiciatl opialiolas.(J) " C1P141B2lYttlity Associfitioll Dues, Fees, ;llld Assessnlcnts" lllc4tals all dtles, fees, assessnletlts and otilcrcllarges tilat ial"e iniposCd oll Borrower or the Pl"Opei1J' by a coilCiOlllillilf111 assOciiltioll. Ilollleol3'11Crs i1S50ciiatlUn

or similar organizaltiotl.(K) ";'3lectrui ► ic ;H'uilds 1'x•aulsf'cr" ulc<ans any tt-allster oi' Curtds. otiacr tllan it tr<laisaction orit;intatcd by chcclt,clra!"t, ar sisllilar paper instlualcltt. which is illitit)tcd through tltl electrotlic tcrlltin<ll, tclcpilonic isistltftllcnt.c(1111putC1'. or Ell'<1gI1ctiC ti1pCso iis to oCdc1'; iilstRlct, oi' .atlttlUl7'T.c a lIi1t1f1Cit1l itlstitiltfOtl to Cletlit l)P el'edit fltl

ttccottllt. Sucll tclial inciudes, btat is not lilllitcd to, p;lint-oC-sfllc w111sCcrs. automated iclfcr fnlicllillcL1lallsEactiolls. tlilaisfdt's ialitinteCl by tClepll0ale, ii'i1'C tillllsfers, and aul.ollrltcil cleariffghot)se truasl'ers.(L) "LscroSY IfCiri,y" I1leitnS lliose iteails that tU'e described ii1 SCG(]wl 3.

^-BA(Oit) (0405) CHL j081061 Prtgc 2 of 16 Form 3036 1101

1536 911810

DOC ID #: 00015040991710006

(11'i) "Il2i ,cellaiaclnts Pr!► cced v" illCiillS ilHl}' c0111t)etHsiltfoll, seItlell3e.tlt, ana ard of ttlun,tccS, ot' 1)rx9cc.eds j)aid byt.tny tl)ird irt3' (otI)er iGati it3stltttncc;3roceet#s ptlid tltider thc coverages dcscribect in Secliott 5)1oH: (i) d tm<Hgc

tQ, ¢Y CiestiuctloHl oC, tflE,' PrOt7Ci1j'; (li) coHldetn)i'slt)otl ot' otl)cr taking of llll ot' it.Hl)' 17<Irt !11' tt)C Pri)1)Crt)': (!Hi)

corive}•aaace in licti of cuttdenu)at.ioHi; or (iv) tlliSl'e[))L5CH)t^iti0ilS ol, ot• oi'I1tsStolls •cis to, tt)C vi)Itlc itH)dIOC

cozxlitiotl oi'!i)e Propertg'.(N) "Mc)i•tgHrge IiHsna°altce" Hne iillS iils!ltiil)ce i)rUtL''ctiJlg l.<GI)dcr i)gtHit)SL the nonpayment OI, or dCl 'ault oil, theLofttl.

(0) "Pcrit)ttic I'ng'HHreciti" Hnoizits tl)o regularly scl)CdtilCCl ZHfi3otlt)t c1tHC foH' (i) principal itnd i(ltcxest tindet the

Nute, pItts (ii) tuly atuotints tutdet ScctioHt 3 of this Security .lt)sttutueiit.(1') "itESPA" nacttns ti)c Rcal Gstlitc Settioal)cilt Pt•occt:iut'es Act (12 U.S.C. Sectioil !liii t ct seq.) and ilsimpte7ite11tiHig teguli)tioFl; Regulation X. (24 C.F.R. Part 3-500), as they migl)t be xHlilet)dcd fr.oHil tilt)e to titile. or!)ny additioaitHl or slHtcesso)` legislation or regtHllPtiUi) tl)Ot governs tJte s.uite suttject jHtttttet'. As used ii) thisSecurity IttsttumcH)L "RESI'A" rciets to till rcqtiitcitaottts at)(i restrictioH)s tlittl ttre ii)iposecl in s'eg!!rd to a"fallcrHlly^ rci.ttetl iuoriglHge lutut" uven if ("iH:; Loan does 7fot illHaliT1` as a "ft;clei'aIIy ret<ttcti itaortg<tp lu<nl"ttncicr RESiAA.(u) "SeHct:C&&H)t' ill a71ScH'fiSt tll, Bd31'H'!)wCI'" i)iGt)t7s :tll'}' ])ilHt}' ltiiHt t)i1S ti)iCCS) tiH.te to thC Prnt)crt._'j. tl°t)Cl1sCr t)t' 71o1,

ilittt party Il<tsass!!a))ed Borrower's otriiglttiot)s ttnder tlte Note and/or t1)isSecutit3, InsttaHnletit.

`t'lxANSFEI2 OF RIGHTS IN THE PROPERTYTllls Sct:ll2YtJ' Il)st)lit)lcilt sCCIiTG';; to Lel)C1Cr: (H) t11C rell<1}'1nCH)t of t.t)e Loi)Hl; and all TCt)e1VilJs, G\tenSlons iliid

modifications of tl)e Note; and (ii) ttle perforni<it)cc of 13o1-rowei's covellauls tti)ci agH'ecHxicitts uf)cierIllisSect)H71.^ IS)sl:llUlieT)t and Ll)c NlllC. )"o)' l]iHB p)tH))Ose; 13QrH`t))YCr does hereby I)lortral;G7 grl7f)t m)d convey it)

MERS (solely t)s no)niitcc fot LCt1Cje) tll)El LGtldet'S sttcccssors and assigns) i113d to lllc stlcCcSSo)'s Flt1C1 assigns

of MERS the fotlotvin); described property loc,)ted itl LlteCOUNTY ef FAIRFIELD

}T)'t+c 1f1 RcLOrcting.htrisaiiclil^nJ t^tilU}0 (3H1tL'C6)iYtlilU.tUri\ItICItUltt

SEE EXHIBIT nA" ATTACHED HERETO AND MADE A PAI2'L' HEREOF.

I1,11-ccl1.I) Number:955 J.OC'1{MZLL ROAD, LANCASTER

jStrcctlCit'N {

()llio °- 313 0- 953 7("Ptiu,)ct'tyAt.tdress"):

t'I..il) Gosfcj

wiuc1) eurti:ntly has tt)c <?dclress ol'

k•BA(bH) l4405) CHL (Q8106) Payo3 oi 15 Form 3036 4101

OR I ^^^ ^AO-E 10 711.

DOC ID #: 0007.504099177.0006

TOGETHER WITH all tl3C improvements now or herr;.tllicr e!'ectcd olt the propcrt}', tt:ui all cilsemcllts..tppilileltallceS, and IYtttt-es now or Ile1"eilfter tt pal't of ttte l,mpcrty. All replacements and additions shall also

be covered t)j` 1:IIIs Secilrit.)' 1Y1stItlTtiCllt< All of the rt)l'egotilg is refefte(t to in tllis Sectlt7t.)' T41St.i'lttllo431 .ts t.lte"Propell}." BDrrower understands and agrees tllat NIERS ltolds ottl}' legal title to tlie interests granted by

Borrower in ttlis Secut'ity liistt'tttttcilt, but, iI' siccesstlt)- to cozltpl^ with lttw or custoni, ME-ttS (as ilonlinec 1°orLeitder and Letlder's successors and ttssigns) lttas ttle rigltt: to etei-cise any or all of those interests, fuctuditsg,

taitt Ilot limiied to, the rig(lt to forcctose and sell tllc Property; and to take iitty tictiotl required of Lcndo•iiiclttdinb, btlt tiot Iitltitcd to, rclcusing and canceling this Security Itasttlinlctlt.

BORROWER COVE-NANTS hcat Borrower is lam+Iidly scised of the estate hereby cqnveyod aijd ifas iltca:igttt to Illoltgttt;e, g'rtitlt ttnd uonve)' tl9c Property and elaat. ttie Property is unencumbered, cxccpt foretlcuntbtttnces of a-ecord. E3orrowcr wai-rtlnts <atld will de1'etid geuertllly the titfe to the Property against allclaims and deinands, subject to any cllctttnblitnces oi'record,

THIS SECURITY INSTRUMENT conlbitics uniform covelaarlts lor national ttsc and n(itl-tulil'®rilicoveuaaJt.,; wittr tirttiiLil vau'irltis3l)s hy ,iucisc(iui:it)11 to cuttsl.ii.miC t's ufiifuttcl :;i;i;ttiit) itisi1uiiteti3 cuvicetialg tetilpropert3-.

C1Nt.C'OT1.Ivt COVEtJANTS. I3a•rower and Lender covenant and slgrce as follows:1. Pa}°mctlt of Pt°inCllDttt, Itlterest, ]Gsca°ow l:tems, Prepayment Cllart;es, stntl Late Chxt•ges.l3olrotver

sllali pay wilell due the principal ol: and interest on, t71e ttcbt evidenced by tile Note ilt3ct any prcpit}'nletlt.cllarizes and iate ciltlrt;cs dttc under tlle Note. Borrower sltal3 also pay l'tnlds for irscrma, Itcilas pursurltlt toSectioll 3. P.tytlleitts dtte ugldci• tlic Note altd tllis Secur3ty lnstEittuctit shall Cac made in U.S. clltrettc)'.I'It31t'evel", it 2111)" ClleetC or t)tt_lef Ittsttlttllent rccGSVcd t71' I-ender ils pilytlletlt Itttdcr ttlc Note oi- tllis Secut°it}•

Xnstllltilcttt is rcturned to Lertdcr unlrlidr Lcnder may require that any or all subsequent paytncnts dt;c ttndcrllle Note aild tiiis Secuiitv itlstrtatnent be made in nnc or tatorc of €lle followins fot'tlas, <ls selceled by Lctldet;

(a) cttsli; (b) itroticy order; (c) cattiticd cllcclc, btttltti cttccl., trctisttrcr's chcck oi- catsiiier's cllcct:, providc(i tlny

strctl cllcci: is drawn ttpon atl institutipll wllose deposits arc insttred by a federal agency. instrtttncnttElit)-_ orenti13-: or (d) >;lcctronii; Fttttds Transfer.

Paytitenis ttre dcctried receivad by Lander w3tcn reccivett at tlrc location desigttated in t1leNote or Ilt sttcitutltt;t' lctiuatiot.l .ts ttmj' be tlesif;lrateu b3^ Lcsidcr in .Iccord<it:c. witb ifsc sioticc provisions itt Sectioit 151. i.c:tuiet`

111<13. 3'otllrn <Itl}' payment or partial Pa}ftlient if the payment or P,n-€ial ptl}mctats arc insu.Cficient to bring tllci.vitii ctirlGnt. Li:nfier may acGc()i. l1113' I}Ii)'n1f.11t oi- llllrti2il payment ifiatlMiclisnt to tltiilg tjlc; IA.ltl (:iiriLtlt,

witltOtEt ltiliVer of tltl,' rtgItts tterCtltlder (11' pretit((it:e tU its rIgIlts to rCtUSe stlcll pzl)'ttlcilt oi- prtttiltl I)Il)'ntetltS in

{t1e futltre. t}tlt t.etlder is not ot7ligu<Il:.d to apply sttt:ll I)!lt Illellls at tlie tinlc sttcll Iiit;j tilcrlts Fire tlcCelltcd. If cilclT

I'eri"c P<1}'tllettt is applied as of its sclledtlled dttc date. ttlcil Lender need not pay, itl(erest otl ulltapplied

f'unds. Lett:icr may held sttcli un„1,plied luilds until Bot1'oti:,r In.ykcs payment to brinr ttlc I,oan current, 11'

Hprl-otivcr ttoes not d0 so witllin a rerlsonal7te period of tinie, Letlder shall eithcr <1pI)ly sucil futlds or 1'efui'n

tlsenl to Borrowe(•. tl' not ttppliccl eadier. sucll !'unds will be applied to (t}e outstanding principal bilItltlce littder

tltc Note immediately l)tior to lbreclosurc. No oYfsct or ctaiii7 which Bot'rowe•r I3ligllt have now pt' 1It the .t^tlttltC

abFltilst Lender shelll relicve tionolver front tllitkitag pxlyalicnis dtte uilder the Nole iatid thfs Se.cut-tt)' Ii3stiittuettt

or pe ►-forlnini;? tlle covenants and agrcenlenis secttred by this Security Ii)stl't.lnlcnt.

*UP,-GA(QN) (0405) CHL (08105) Pago 4 of 16 Fatttt 3036 1f01

aR 15 3 6 RAGE{ 812

DOC ID #} . 000150409917100062. rtptalicattixtll of I'aymCUt,S 40t° I'i trceetls. EYGci)t Fts t?tlaetll'ise clesC%ritled in tills Sectiotl 2, all pay113clits

:tccepted and applied by Lender shall be applied iaa tile folZOtvinb va'dcr u1' 1>fiol•ity': (a) interest dtic uauier ihcNote; (b) I)linciptil dtle taiicjer tlie Note; (c) Flil2otttlts cidie ttlldet' SCCtloll 3, Sticil 1),1y'llietlis stl}t!i be itppjiCd toeach Perlodic Payment in tile ot'der in R'ilicia it t}ccttizle duc, Any 1trlxaaitlillg aualotlnts shall be applied 4i;`st toltite cia{irges, second to ully etiici' cuaautlttts dtte tttader tiiis SectXrity tlasttl}nlent, and l.iteat to rcdtxcc tlac plincipalbalance of litc Note.

If Lender i•eceivcs a tauyrttent filaln l3oii'ower fal' a delittcltictit Periodic Ptlt•naetit iyiticia illclttdcs asafficicnt atnottnl to pily alt}' late cliai'gc dttc, thc i>ayntent may be applied to tllc dclinqtlcat payment and (lie

late c!1<trge. If naot'c than one Periodic Psty-Iuettt is outstctlldiug, Lender takn° atppty auy- pa}'llleilt i'cce' ►ved froillI3onawcr- to tjie rapta3'meltt o.t' titt; Pclibdic l'tlynicats ii', and to the cxtent ttlitt, cttcil payment ctin be pttid in

Liil1. To tlte etteilt that any excess cxists after liae payment is apptied to tlre full payment of oftc or llaore

Periodic P.lj'111eflts, stlclt OYCCSs 111113' be applied to ttily It1tC t;.ilttl'ges fittG. Vt)Ilil)t191)' I)YCI7tl3'21IC311s sI)illi beapplied txrst to any pI•epayluetlt citurbes aiid Utetl as clescrilicd in tlSe Note.

f1' lij' application of pa)-a11t;1its, triyu;)aiii,C t)rocCcds, or iviisCi it^ttl{utiS rluu'iCda" icr t"sriticitl:ll ti1N: ilililC;f't!)i:

Note sll,tlt ttot exteild or postlaotle tlie due date, or claluage ttle ,tttloutlt, of tllc i'eriodic t'a}'llleaits,3. ;'u;ids fur ; scI'nt; IiC6i15. I'

.,orl'ot\'el' sllsill I)t13' lo LCIidcF oli tlle day PeTlodic Pit-i-inc,ltg larc duc ltladcrtlle Nole, until tile Notc is paicC ial full, a sunt (tlae °Fullds") to provide foI' payment of amounts due for: (a)

tia:,CS" lnd <:sSe$5I1TelYts illla• {)tllet' JtCAls •41I1I$Il cfUa attllila pi'IQI'11y" o\'C!' (IISS Secr.tritj- 1nstRT1'2ellt i:C t e,a or

ellctiiatt)iitalce on the pi'opert}'; (b) leilsellolci pity'lalctlts or ground 12;lits oi1 the Property, if altl)', (c) ])rCntit1t17C

If51"rHtyatTMi tlli i!1s11Ei1[Ice tT'qtItIT'd L, y' € eltdei' tit)det' Sectiol] ?; 2tlict (d) Mt7PttgilpC Illsttl31tcC' pl'Cillitlllts, II ;31ay, Of

Eli Stlllls i7£ly illJle t))' Borrower to Lender in lieu 13I tl)e ptiyllletlt of Mortgage ItastiYilllcG iJl•eilllullls in

1Lordnatlcc witti tile provisions of Sectioai 10. These iterns otr. calledd "Escrow Iteitas." At origination or;tt oall}'

titl'•. Ejulyllg tt1C tel'lll of the .i.oiln, Le11(leT ltkl^y 1'eqtiil'e-ttl•<ft Cotlaitlt.tilit)' Association DIICs, Fees, and

A$5 111et1tS, if i11Iy, be escl'o14'ed t5}` Bot'roll'et: ttiid sucll dliCs, lees Ellid '<tssesS111e11t5 s!1'<all be :141 ESCroi\' Itetal,

Bv,I `r shall pi'{)ilaptly' fl1.irll,isti to I_.et)de1' fatt notices of eulaCllil)ts to be paid ltildel tiil's Sectioil- I3of1•t)IYCr slil3il

1)tr} r ttle Fititds foi' EscrotY lteltas tinlcss Lealdet' waives Soirowci's obligation lo pay i.iic Fuilds l"at' <tlly-ot ^1$ ^ Itenls. Lender may waive f3otxo\uer's ovli+îtelzl at,'. ) ^tttioll to pay to Lclldcr Funds f'oa' any or all 1:sct-o\vditcc^)' tuc; Any' sltcii ti'iliver naay' oaatj• be ill wtititag, In tllc evcllt of sucil waivcr Bnrn^têl sttlltl

tlaty^jGClt ti'"\tVvld wjlcm I.lit}'i1t)Ie, tllc t112DUttttt8 (ittc fOt' ttti3' EsclVt-t' Itcltls for wIUGIi payment of I'tittds Ilils

t^+ia]îlt sttcli ettdcr <lnd, if Lender requil'es, sll<tll fut-ttisll to Lender 1'cceipts evidencing sticll paymenttcect3)ts 51VA^s d ,ts Lender may i^clttire. LiolY•t^^vel's obligation to nlalke sEtcti pu,^nlents and to provide

illstt1►t1lcllt, yw-i)oses be deenied to be a covelliutt ttnd agreement contained in this Secttrit}-LSCI,j, jêl11S ^`S «CUVClli311t 31tiE.i :)gl'eellielttt' is llsOti in Section 9. If ,L•'orivtver is oUiigllted to payL`1',L1Lr 111Qt' c utult to a waliucr and Borrower tilils to

c,tiot^ `y t`" piay UaG ttnaouni ctue for ata Escl'ow Itclil,undct Sc clil_< ttt,dcr Sectioal 9•31ad p,Yy siiL',i €:mi,ttlit ttlu )3orro>n>et' s11111t tlleil t1L obIig:aictl

jtClll, T'llcldcr illt)' sut;it iltilotitlt. I.CUClCr nlay revotie llic wlaiVCa' lls to ftll}' oi' illl I sGrUU'

I)t`) t^, C1 C^lllltl^'+'tt •Il !II iiccortjAf)ce t\^1tll SCctioit I? 82id, upon sucli icwociltfoi): Bvl'i+;l}'cr sllillldG t11C Lii11C sljec gilloullts, ttl<)t arE ttaen 1'equit'ed tsnder this Seci.ioit 3.

rullcis ' r^p^- Jellcitc tt^»ctla:l hold Ftttlcis i:I <til ;tlnotlttl: (;i) sttflicient to ];et'I31it I.enctea' ta ,all;al}tfte

,,,.^te} p'' • e;i ?A, â17d (b) Ilot to excced the 1nttCllliulll latnotuit a leladct• can icclttirc

csull\^les tutlvtlnl of Fuuds due olI Lac tttasis of ctu'ietlt dtatn ancl !ctlsola:a4,^le:'cins or utllciivise in Itccordallce willl Applicable Law.

GHL ^Q81^,

. .eR4att1 êh05y

Sot aG Form 3036 1/01

^R i 5 3GlPAGE1"^7, -3

DOC ID i3 : 0001504099171O006

The Ftillds shall be held in tininstittatioli whose deposits aatr, insured by a fcdcrtai <lgenc}", instrltlllalltttlity,or enLitJ° (illcludialg Lcnder, i!' Lellder is an institution whose deposits are so insatred) or in any Federal I•tomc

Loilli Bdllltc. I..cnder shall apply the Fuiids to pay illc Escrow It.enis no la{el lllaln the tilne specified liEatfer

RESPA.. Lelider shall not charge Borrower for taolding ancl tlllptyillg ttlc Ftinds, antill,ally anial}'7iaag ttlc escrow

2accllUflt, ot' verifying tlae Escrow Iteili5, liilless I..elldet' pays ,Bil?I'1'owel• Illtel'est LDii llae Fnt1C{S and ApplicableLaw permits Lea2det' to make sUcla a charge. tlliless an iSgrecnletlt is made in li'rititlg of Applicable Law

t-cqllires interest to be paid oElttle Fitllds, Lender shall nol. be iequitcd to pay Borroxkel- any intcrest or c:n•ningsojr illc t'uilds. .t3oirower t1lid Lerldcr call aglce in writitlg, 11otir•cvot; that iiiteatst slrall be paid vII tlac i"« nds.

Lendcr shall give to Borrower, witltout clltarge, ilti itlitluil! accounting of tlle Filllds ils reqtiired by RESPA.iC there is ta 81111;+lns of Funds tleld in eserow_, as defined tnlder RESP it, Lealder silnli account to Borrower

for ttle excess funds in rlccoz-dance with RBSI.'A. If there is a shottage of Funds lacld in escrow, as detitledunder RE;Pia, :'.etldcr shall llollf}' 1.'ôt•ro1yer fls fetlttfreit by RESFA, ellld Borrower slkal! 1)rt)- io l..clldei- the

<tllioltnt llccassllay to make up tile shortal;e in Ilccordatlcc witil RI:SPA, but in iao Iliotc than 12 nioattlllyt)71'y atii iiiS. ir tl3t_rC iS .a dc:tit:it:4ac3 tif Flirlil: Ilclil iSt t~Si;ruw, ^ls Cl:iilic:ia UiluG1- L i.ii rs, Lt;iiu4i' Sil;lli il;ii.ii)

LotTowcr as reqllilêd by RESPA. and Borrowcl' shall pay to Letlder the alnount nccesstaty to aallllw np thedC Aiiii.iiqy" iIl ilcc.t7rdFllace iriitli l^'^-ISP'nn , but Iii Fi"v ilao`xi; tiklll 12 illolltllh- 7^5 illcilta".

Upon payment in fuil of all sluiis secnred by this Security Inslnlmetlt, Lendcl- shall promptly I-efund toBorrower tan}- Funds held by Lender.

-t,. Chnrrl;es; Liens. I3ortower sllall 1r1,- all ls ►xes, .lsscssnlents, charges, tincs , and I311l3osltioils iattrlbalt ableto +.f,e Prtlaprty x=., laicll craL' .etlsritl j3lioa'it}` Uircr tlfis Secl:rit}' If?slI?1111et1t, Ic?s°l1VlCI 1Ji4j.I11cllts tJl• e,lY)isllGl milis oal

tt1E 1:'t'ope11}', Ifart)', ilnd CVllllalunit)° Association Dues, }"èes, and As"ue3sillents, ir iltl)'. J'o tl)e extent iililt these

I(ellls alrc Escrow Itenas, Borroxaler shall pay tlleln in tlle nlantlcr provided in Section 3., Bolxowca siaali proll2ptly discllrl.rge illiy iicn whicii has priority over ttlis Security ittsUltliicnt talaless

BorrowCl': (Ia) agrees ill writing to the Ik13°mellt of ttle obligation secittad 17)` ttlc licn ill Fi nlatltlcr ilcccplllble to

Leaicler, but only so tong as Borrower is perfol711ii1g sttcti agreelncnl; (b) eolltests ttte tiCtl in good tatitll b)`, ol-

clerends against etilòa-cemcilt of tlle liett ial, legal proceedings wiiicii 3n Len(lez''s opinion operate to prevent tlle

EalltlrCcluent of the li.en 14stalle tlitla"e 1Jrocceditlgs #tL' 1)etidlalR, t)lkt otlly ttntil slacli IJroccedillgs are collclllded;

or (c) secttres frolli the llolde ►- oi' tlle licir an tagreellzent saaiisfFlctol}• to LCtlder slit}olYlillilling (tae lietl 1.0 tllis

Security IIlstrllillent, II' LealCiel• clCterlllines ttaat 'elii)• 17in"t of tlic PIUpelt)' is Sltb •1GCt to a lten which ciltl iltt2alll

priority E]ver llits Security Ilistllitilent, Lender may 1,,.'IVe Borrower a notice identil)'I11k? tE1c iten. WItlliai 10 dilys

of iflc dstte oli wlticll that Iloticc is bi:ven, I3orrolvetshrlll satisij• tllc licn 01' tiilce one or molc ol` tilc actions sctI;oltll above in ttus Section 4.

l.L!ltl4r may re.cllail•C: Solrowct- to pay 11 l?ile-tilllL: cltargG ior a it;'rai cstiilC: IiIX vL'l•iTc'rtiolt <alatlior ILporlilig

service t1sCC1 by l.eilde1' in Co1131CL`tion wltta this Loan.

Pa'i•ri7ell;4' Znsu: r"uai:e. Borrower 511i11l liccp ttlc IIllpr(>Yeltic:nts now c:iistiilg oi' 11Ci'etlttcr el•cctcd oti ti1CProperty ilastlred <tgainst loss by fire, hazards itlctuded within the term "cmencled coverage.'° and any otltel•

ilu2.i ua n^,iuCiaii-r litit ilot tiliiltcd to, Gitl•t1Kll'aak()s Ilnd i.i(%UCIs. 1-f)I iv111cl1 1Jolidi.A 1'cqlnrs;,; insUi'ilncc. illio"

insurance shall be mainttlincd in €Ile aalloutlts (including deductible levels) and for the periods that Lel}der

r4qtlires. 1,113r,at Len;ler r: quilev pursuant to t:lie preceding .,cilt :cLs c,... cL.lrrc during tlis tena: al' lJlc i,oilll.

The insataancc claaricr providing the insurance sllilll bc cliosc)1 by Borrower snbject to iPcllder's rigllt to

. ls'ar 'nr s,tait` fi°a, ;at r a .IP clloi 'r:°.., wh ich I-lgllt slliL 4 tl ,wt l:c n}:c; s."i. .d 111 a 1 ':'s$c:tal'I; I ctI:i:' r t„arox-e Hoorl,s^se. .,., ..; e Lorr.. x:^cr

(o ()St)', in L°onnection witll this Loan, ei111e1': (it) a onc-lirTle ctltarge 1'or flood 7_0ne dctCrminiltion, cerlittc<ltion

ilta!.t 11'wL,isas crlylrerer nI !f^) st n;lm_linir rll;^s^r li^r Cartrêt ,nnr rlofnrleiihe.^(iit19 sna) rrrli('ir_;Uiltisl rnltri^vr tisad

^-îA(OH) (04D5) CHt. (08106) Page 6 of 16 Form 3036 1101

OR 15 3 68 7`h

DOC ID W: 00015040991710006stibsequeatt charges ct.tcll litnc al3nlappitlgs of' sinli3ar c9latilges occur which rcsrsan<tbl). Inil;llt affect sticlicletertuinlftion orcorliBctatiotl. Loranwer shall iilso be responsiLlle Ior t(te p21}"111e11t of iifl}' teCs iltlpt)sCd U}' ll lc

T'edcrstl Ext?ert;cncy lv(ilfltlgetllc(lt Agoflc)' in connection wttll Ille ieview or any flood °r.o13o dctcr(nin ltficm

resulting fronl an oG{ectiotl by l3orrower.lT Borrower fails to maintain any of the covCratges descritaett above, i,ender may obtain insurance

coveltlge, elt I..eudei'^s optio3l <uid Bollol'+'er's Cxnetlse. I.etltle(' is ttildef ilo ol)ft21L1on to piti'cllalse any particulartype or :1nloutlt of coveiltge. Ttlerefoi'e; sucll coverat;e shall cover Letlder, but IiIigllt ot' might Ilo1 protect

.Borrol•ti-cr, 13orc'olvcr's cquit}' in tilc Property, or ttfc contoiats of tltc l'Inpcrt)-; aIgalinst aul)' r;stc, Eltuaa•d or

liability and litiglit provide greater or lesser covel:ze-e tlialn was prevtousl)' in et•tect. Borrower acknowledges

that Ltie c.vst of t31e i,Istiraifiee coveralge so obtained illi^,.'iif. sfgflilicalf)fl)' exceed L(1C cost t1I !llstlt7itice tt3ttl.

Bor1awer could llalve obWitlcd. Any u.tllounts clisburseci by Lealdcr utidcr this Sectio ►l -5 shall becUnle additional

dr-bi of .''vot:•olvct• secured by 1.11is accuaity itistazaailcilt. Those autaoualts slrtli bear iattei-cst itL the 11TOtC r"dFl7 i1v31a

the date of disbitt3cstlcnt and shall be payable, Nvitti suell interest; upon notice frottt Lcncler to Borrower

rixju4stilt^ tât3âtlctit,AII itlstftiltlec policics I'cCJtiit'ed by LeJlder titld renewals ol'sti(:Ii policies sll'slll be stlbJect to Lcfldcr's rigiiL

to disilt7pt'JVC such p.'YllcteS. S1SaIll include a stiiIidElrCt :ilort.--Ffge ciiitlac. ii€lu shall Yiu.eiii, i:.cfidV i iis

and/or as iltl additional loss pol}'ee. LeI1dCr shall have I.U1C I'igllt Lo llold t(le policies and Ieuelafall ccrti}ictltes. tf'

« ndel' r"E]i:iSes. BofToi1'ei' S;lp(l 1)1'ot::lJtl) Di`.'.^• to L iet .111 l'ecei(;tS wfj):id i^.S'eSUitYt:15 ,'.Sl:l rellet;';.t .2Y)tiês. if

Bori'oWer obtains any fo1711 oT itlsur<IRCe coverage, tlat otlletwise required by LC11t1Cr, 1-ot' damage lo. oi'

dCBtT4lctJF?n 01" tIIQ Property, such 1splic)° shall iI1CJl£de a stilnGili'il •lloilg3tge cl:siicP ;+nd cfl:Ill ;y.llllr f rrxlrr:1c

nlortgagec nnd/ot'tls an additional loss payee.

Sn ilie evcnt. of loss, Botrolver shall give prompt floiice to tlle inslu;lnce c.u'rl£r and Lender. Leflclel' maymake proof of loss i(' zlot made promptly by 13orrower. Ulliess Lcilder and Boia'otivcr otherwise at;rce in

t-vtititlg, a11}' insuttfalce proceeds. wIletiiel' ol' I1ot ttlc itlldel'lyitlg Illsut'tlllce 't1'<ls mCluilt;d b)' Leafder, s11a11l bc

<tpp}ied to restoration or rep.til• of tlte Property, if (lle restoration or repair is ec onomicalll) feasible atidLendct's securily is uot lcsseflect. During st1ci1mpIlir attel restor,ltiocl pct'iod, Letlder shall have t(ie right to liold

sticll ifi5finttYCe proceeds illttil LCt1deS' has 12Sd 811 Oppotittl]it)' to i11spCGt sttcli PFa7j7ett)' to ellsiti'c itic work liils

been conlpleted to Letlder's sltist'ilctioJl, provided tlitit suclt inspection shall be ttlldCrtillCen 111'()lilj)tl)'. LetldCr

may disbfuse ptviceects i'uc tlto I>rpafia's uitd restollttiott in a sittgic payment oa• in a series ot'IJit)gllrss pat)'allcilts

as tlfe wor(e is coinplstecfi. Utliess Iin <lgrecnlent is made in writzng oi• Applicttblc Law a'e(itiit'es laiterest Lo be

paid oti sucil uisurai3ce pcoceett:l, Lender shall zlot be required to pay Borrower I111)• illterect or e,u'iltalgs 4111sucll proceetls. Fees foi' public aidiusters, or otber tllird ptlt'tics, relttitled U}- Bon'ower slt<tll fiut be patid out or

tili inst•rlncu procccct,s and sltarll be tNc sole obligation of Bor,ôwer. If ilic ac5toraatioli or at;paair is not

econoanicall}' feasible or Lende.r°s security wouid be icsseflett, tttc inst<lnce llrocecds shall be applied Io t(le

salills secured by this Sciilriìy- 1listailnlciIlL Zti.iiei^l'a' -vI' not tllufl uIIG, with ii1L excess, if 1in^, paid to tJGIT4''.

SucDt insunuicc 13rocceds shsill be applied in the order provided for iil Sectio ►l2.

If Borrower tlbtttldoals t(le Piopeli; ; Lender may tile. Itegotiatte and settle any available ► ltsur;ulcc claim

and related 111i1Lte1's. If Borrower does 1Lot respond V1'itllitl 30 days to a flofJCC f1'o311 l.endcl' that LI1C lllsllrilllcc

c;il'1'iw!' t1:35 effet'ed tC~ settle <i Cli:Ifll, tllcil I.c;l;le7' tI3.ij" I1C"t',tDtt'ittc ; II'u s:ttte tllc cl; ISii. Ta^ ?fl-d;): t)ef'iEJd ?!nill

begin tN-llell thc uotice is bi1'ell. TIl citlle!' cvctlt, oi' if Leildcl' ilcttultcs LIIC Property tialder SGcfion 22 or

ntllrftr,'is!', Rrrt'rcF13`c1' (I! rCbS' .MigfS tn LeF1dC!' (a) B(Jl'to1YCt's 01,11ts to !ll;' a;1curxtlr r. ptnrrrrts iti .ell .lltinotclf

llot to exceed llle f1nlUtlntS nI1pFlld idilder L(le Nt)Lc tlr Lllis Security lilsUUtl7e-ilt, f111CI (b) any oLiler of' iBot-a-owet's

Iig(lts (otiler than i11c Iright to any trfund of t(neita7led pretlliu111s paid tky Borrower) uttcler itll iflsttr< ►ncc

-SA(Qti) {0405) GNL. (09/05) Paf1e 7 of 16 Fomt 3036 1101

ÔR 153 6 Pkaf7

DOC ID ##. OOO15040991710006covering tlle Property, insofar as such 1i9t2ts zat-e applicable to tiae coverlge of the Propert3-. Lender may Ilseilae I`nsusFUace proceeds citlaer to repair or restolo the Prope3-ty or to pay anioillits unpaid under the Note oi' IhisSecurity I nstimi.atent., wlacLlicr. or not tliei) dtic,

6. {3ceullans;y. BoiTower shall oceupy, cstablisti, and use the Property as Boirower's principal residence

within tisl days after the eYccutiuli of this Securit,° InsLizullcait tiild slaall continue to occupy [lie ProperLy as

13ori'olver's priiicipitl resicteiYce for <it least alae year at,'ter tile dtltc of occllpancy, unless Leiader otherwise

llpees in writing, wlucll conseatt sliall not be unreasonably withheld, or unless extenuating circumstances existw1)ici) liic 1?Ci'oi)d Borrt)ti'ei''s cont'iBi.

7. Preservation, Mitialtenai)ce and Protection of tlie Property; linslieLL3o32s. Bot'rt)bVer shall ttot

iXc'stl'o)', diIln12ge QI' impair the 1'i'Ul)ert)'; allow lt1E E't'UpGrLy to deteriorate or (:oilliliit lvnst6 l3ii tile Property.

Wlacttaer or taot Boi•roiver is s'esicliltg ilt tlic Propet-t.5-, Bot'i'otves' s121tli maintain Uie 1'roperty in order Lo preventtlae P roperty fi'fJiti dCtelloizItii1g or dCCi'Cil5ilig in Valtie due to its c!}J)Clilil)!l. U1)lc5s iL is ilCtL`ttitnl6[il)lirstlillat tU

Seetioii 3 tIiIIL repair or restoration is liot economically 1èttsible, Borrower shall pronsptl}> repilir titc T'iòpeliy ifZllatli.fga.ii it] ilviliil ittti.tiFsr iieiCl'tUf.)tivsi ul' tii0iliil6es. If ii-sSt11;U)Ce i>r Culiiiciiaiiiiiivll {iivi:Lt:uS ;iie t)tliti iif

conncction with diunat;e to, or ihe tisicing of, [lie Proper[}', Borro\vei- shall be responsible for rep.tiring or

t'csti3i7iig tiiu P 1-o1)crt)- DliiJ if Lc:ndcr has rclCiisc.d pi-OcGCds iGi- sticti 1)-tlljiiiSi,a". LeiiuCc may itiSlilld"Sc i3i'occcu5

for the repllii'S and I'cstoratit)t2 in a sillgle pa)'lllent ol' il2 it sr;Yles Oi. j)rogi-es5 jYt}'inC)aLS Iis ttae Nvotk is

completed. If tl)e insurance or coluieniti:ation t,it<ceeds : ►. not su:f ciei:t 10 rep<ir or lestarc U)c Property,BOD)'oWCr is t)ot. i-elievcd of Dotr()1vei,S obligation FZ)r [lie completion of s[iCl) repair oi' restol'iitit3l).

f:elader or its ti^,Cilt ili`s11' make reiSota;at3le entries upon and inspections of tilL' Prof?ell)'. tl it tIi15

retlSo4liaUlC CIIUs;J, l.etldel' may inspect Lt3c intei-iol` ol' [lie improvements Uti ttie Property. 1.eliClcP shall gtYe

Borrower ttQticC at: the tinle of 1)i' pi'lo2'to stiCti illl iiatci-ior inst)ectlot3 st)ecif}-Itlg siich reasonable cause.

8. Ro1•i'tsst'er`s I,oa)i Applic,etitsi). Borrower shall be in dc1'8ult it', during the Loan application process,Bol'I'otiver or any persons or entities acting at tt)c direction of Borrower or tvitlt Borrower's lcliorvteage ot-c(31)selat gave lUttter'Iiill). fiilse, lllislei2(tilag, or inaccurate illlOrllaatiol2 or staleffients to Lc;llder (Ur lsiiked to

proyide Lezader witla material information) in coillaectiola witti [lie Luili2. Mitterial representations iiacludc, btltaic not ttialitecl to; repleseuta)tiut)s concei•iling Borrower`s occupalacy of tlle Property' cis BoTotver's principiairesidence.

9. Pt`Sltef:fioli ()t LL°Ii(te{'ts ( nlCi'est', i1e tele Yi'otJef'ts' Eltfi^RligIlts Lj114jt.'t' tttis St:cU'Ctt}' Itfsti'f.12JICtlt, 11 (il)

BoiYower I'rliis to perforn2 the covenalats aiid agreements contailacd in tttis Secu2-it1' Iaastiuiliciit. (b) there is alegu( proceedliig tlatlt. tlllgtlt: sl-lait'icantty atCfect Le)ade2's ititcrest in ttie Property tiudlor rigJats uudel' LhisSe.ctirit)' Ilistr[)IIielit (such as a ProCeedilag Ii2 tSFiilt{lUl)tcy, p2-ot211te, lUi" {Andelltnatiolt oi' Iorlelttire, lUi'

oilfisrcclnellt of a lien which 111ia3• llttain lrriorit}'over tiiis Secarity iiistsi:nlciat or to ei)fol-ce laws ori-cgutaitiotis), or (c) Bon-owcr has abtuadoned the Property, llicn Lciader may do Iiiad pay for whatever isreasonable or Iippropriate to prolect Lender's irtteirst in tlie Propei-!}' and i•igiits tu)tier this Sect)liky lllstrtiilic-nt;inclttdizng protecting andJor i1S5GSsing Lli(. ` viittie of tliC Pt'opL'rty, and sectlnng adad/ot- reJ)£ail'lilg ttie Property.

LU`tiltet'sill;tit)n$ can iiic311dCy blit'aire not liluill:C( to:(ii) (Yi)-)lig Ii113 stufus ShCU)-ed t1N 11 J14"11 wlill:Ii lrtis pliviil}-

ovei• tiiis Security llastnlmclat; (b) appellling in colirt; and (c) paying iclisonable :ittorneys' lccs to protect ilslillulest in tJii: t'i-olK:i"t}' O11dIoi' 1'ig'sits und4:i' this Jc;cUri{.;} [1iSiii311i 1)i, 11i411iCtlit^ its SL:i.ltri;it tYoSitioil in il

banlcizlptcy procce(ling. Secillin;,, tlic ProperLy includcs, Uut is taot linaitc(i to, cnteriiig llie Property tci make

rC7nila. Ch:lilgc ioclis9 ru$)iilce oi' 1)o221'd uj) doors ilitd l,indows. dr:)iii li:itcr FI`vm tiii)cs, i;111aitiYltc iliiiadiiag Cli'

l.>tIICi- Codc vlUlatioi)s Ur dangei-otiS conditioi)s, :fnCt have iltititieS Iltrl)Cd oi2 or off. AittlougII Le12dCr n)i2)' t1i1Ce

ilctiiin rilidGr Lliis ,°iectiola n, Lelidcr does not liiil'e to dG so iiiid is l7ot 1n2C1Cr iuij dtlt,T' o;` GLlipatioll to d® sf3. lt

is iigCCed that LCI)der I11Ctti's I2o tii1t311tt}` fvl' not ttiking <iiky er iltl Itctiolis ;Itttho2-izcd tinder tfiis Section 9.

h-GA(QHJ (0405) GfdL (O8/OS) PiiBe 8 o( 16 Form 3036 1101

DR # 5 3 6 PAGE i 8 1 7 -,6

DOC ID #: 0001.504099171,0006

Atiy amounts disltlu`sed by Lcltder linder this Scctioil. 9 sE ►Itll ticcotiic additional (lcbt of Borrower securedby ttlis Security I1lstriltucllL These amounts shall bCtlr ititGri;st ►1t tlle Noic rale fron2 tlle date ot' disbltlsclllclll

BtTd sllilll be Ila)'al3IE, tVitli stlctl itltePest, upon notice rrDtlt LCllderto Bo17'(li1'l;t' reiltieslitlg I>ilytllent,

If this SGCut'ity In5liYI1IICtlt is [>Il it IeJsetlt3f(I, Borrower sli<til comply with all tflc provisions o1'tlle fcilse.

I[I3orrowe-r acquires fee title tu tlle PWperty. llic ieascllotci and the fcc tille shall not nlcrge uiiless Letlder

flgre4's to tlle merger in 1Yl7tiilg,

ffl. Mortgage bi$UI'atlcl'.. If LCtldet• t'eCltlii'ed Mortgage Insurance as a cotldifloi2 t?I' tllitl:ine, lllC t.o•<tn.

Boli'owcf sflitlf ikt). UIe 1)t'CII7S12nIs t'eqtln•Cd to IIlt1PIltQilit the f\<IUIfL',ilge Itlstli7ttlcc ilt etfCct. It. for ftny Ièil5otl, tliC

I`Jlt)1'tgllge IilstdrYlIll;e coV(:litge 1'et]uired t1y Letldel' ceases to be i1V<littlUle Il'otll tlle titortgiige itlslll'er tililt

I)t'Cvtt?Usfy I1Iòvid6Ct sttCl2 Illsur:lliGe ittld I:iol•8`l)ti`6i' wtls reCltlid'LLI tU 71Tr1fiC sel5ili'0tel}' Cfestgiltlted I1a)'nlentti

to►vard the prenlilntls (ut• M.ort.,l:<rge I.nsutaticc, BorrotiAei• shall pay ttlc pi-einittnls reqttired to obtsliit coverlgesubstantially equivalent to the Mortgage tttsurlllca I]i-cviotls13' in effect, '<tt a cost substantially equivalent to iilecost to I3olrower of the Mortgage Insâraltce previously in eftcct, !'I'otu att ttitertl,lte mortgage insttta;r selectedIl3 Ls.}tdi:r. If slabsEtU ► ti:iit•g i;iltti.zlii:fit Moligelg€s iitSttr:lllC:G i:troer:lgL n, 1 ►0i iivdiiiiUie, r,,vftuw•ei Coilffliueto pay to Lender t11e ateloutlt of ttlc separately ctesigitated payments that wely dttc wlietl the insiit;tnce coveragei,i.iiscu i3 vi. iii i.fiGGi. Lcfit"îi,i S'iiii i'tC.ccpt, iis,: 21iid i-,iiitii tiii3c jlii"}'Iilcilts as a ii3SS iLScIvC: iIllicu of Mortgage Iluuratx:e. Sttcil loss reservc shall be uon-iefulid,ible, rnothatithslttrnding tlte frlct that the Loan

tr ,L,,t.,.;4 1- .<d itl r 1tII rw,,aer SItlif not be i^.:t to,<G:, ^lttd i.,. .^qa., pay B:,,..,,.wr Iul•,• ttl..,st o. et,..l.<.g; onloss tcscrve, Lcnder can no IUllger i'cquiit; loss rescivc payments if Mortgage fllsurancc coltcrtlge(iti thet^nt^ljnt and liar^ ihn f^nti,irl fl5;if I rtuin.v rrnxtirnc) HIY,tl9Ae^ I1t,Ul incltr^r rr,t^,inri hr I nllric_i^ a r tin ttart.tnnc.._. .. . . ....t. .. . .... . ....p.... ^,. t. ..Je.. . . J ..b.....

available. is obtiuiled, s1ald Lender reclutres seiniratcl}• designated pl} tltcnts towait3 the prelnitlnls for Mortgageincttr.ltur... iF tcnriar irntairr.ri lvinrYFr}iV.rt Itz.caii trxrr s ►s sl rnnrlifsnn nF inaf:ins^+, thn I n,rn nnri fiirî-rniur,.a^ w:ic

reqtitred to make seI)al'iltely designated payments toward t.ttc prciniullls for Mortgage Insurance. Borrowerstl<ilf I} ly tlie premiums 1•eqttired to It1 ►litltfliil Iviortgtlge Insurance in eflect, or to Itrovide ,t non-rcfutldable Iossrescrvc, tint.i! Lellder's requirement for Mortgage Iilsturance ellds in accordance rvittl any written agreement

betiveel1 IIorrowea and Letadei' providing for sttclt terlllitlxttlon or titltii tcrnlitlittion is requiresf by ApplicableLaw. Nothing in this 5ectioil 10 affects Borrowel's obligation to pay interest tll the rtite provicie<1 in tite Notc.

• Mortgage insurance reimburses Letlder (or <ly cnt.it}' tt►►1i I7tuctlilses tlle No(c) for cerltlits losses it. m,tyincut- if I3ottnwci' docs tiot trpay the Loiltt ils agtCed. Bon-oti-cr is not tt }tsllt}• to ttic Mottgtgc Itlsitsculcc.

1,4o11gltge iusui-ers evaluate tlteir total risk o1t all stEcii insurance in forcC frUlll tiille to tiiile, and may CtitCi'

into agreements rvillt other parties tlr,lt share or sno(tif}` illcir risk, or redttce losses. 'f ltcse tlgrcenlcnts ilre ontciti►s and cotlditiotls t11<tt are stlisfilctol)• to tlle mortgage lilstirel• and llic otller party (or parties) to f.lleseugtreltleltts. These a^rcelttctlts may require tile trlot'igtlge itlstire,• to nlal<c f3ttyIZleilts using unky source oi fttndsthat tlle Inoi4g8Qe iilSUi'Cr may have available (iNllicA may include ftiilds obtait4ed frolll Mortgage Instit<tticettrettliuins).

As a result of t:ltese ;lgrecmetlts. Lcnder, any purch,lser of the Note, another insttrcr, any reinsuret-, atty

odict' c°nlity, or any affFtiiite oi' ciny of tEle foregoitig; may receive (dircclS;j or indirectly) atilounts that dcriaC

IAoill (or ttlt-iilt be Ciittt'tlcteri7.ed as) apotl.ion of Bo11"oV+'CI°s payments for Mnt1,t;age .Illstll'FII7cC, in exchange IOr

sllilrtllc, or IilodLr}'ttlg tllc mortgage ]Iistitt;r`s l7sIC, or rcdtlclllc losses. 117 a"t1cI1 iigtCLilicllt providcs uiilt an

ilfflitille of• I.edidCi• takes a slt;trt; Uf ti ►C Lt1Si11Y:2'tS L7SlC in C\Gllitilk?e lt7r a Slklm of tlle IJi'CiltltdtllS paid to tilG

1llsllreI'. tlle ilI'rlltlêillellt is often let'tlied ttCat)flve reitistti'iltlce.tt Further:

(it) Arty Stil.lt ttgl•eL'111eittS will Itot: 1ffCl•t tlte Ftlll(Itinls tltilt Bf11•i'U'6i'et" llti:s ilgl•eelt to tS}l}' F111° Mortgage

Itlslli•t9+lsC. or nit}' other let'tlls of the Loan. St1cI1 ill;2•eem9'rlts will not iltcrt"As<' file 7In ► otile( [;t92•i•4i11'Cl. Ivill

owe for Mortgage Insur•llllee, sllltd they tivill ilclt elttitlL 13trrl•mvet' to itily refund.

^-6A(OH) (0405) CHL (08/05) Pase 9 of Se Forn1303G 4/0^1

. > .. . .

QR ^ ^ 31, Pal

DOC ID #: 0001504099177.E10(}6

(b) tkaa3' stscia sZl;rectnent:. it'ilI not tiffcct tltc t•ights ll;o9'i•tlwer Iisas - il' ttlly - rvitli t•cfiileet to tiicIYtul-tgsige Insurance untler ttte Htttnet/4vners I"t'(>tcctitlA Act of 1998 or any Utltef• law. 7'lDCse rii;ttts slltly

itli;lt;;,*(`. tl7e i'll;llt t(3 1'C(:eil'e cel'ittin discltssures, t4 TC(iuest dttttl obtain cancellation of the MI?t'tgttf;t'lttsurance, to have tiic 14lari•tfailbe Xttsut'1133['.e 1el7nillitte{l lititt?(112ltiCitSly, :ititl/Blt' 4tD t"t:t:ei'S'B: a t°t`,ftl ►id of anyMortglge Inst3i'iitit:e Ili'eiBlitit118 that 4Yel'e uileat'tiCd itt t11L tiiTle of sttell eitticeljitti4>tl f4t" tt'i'3ltitifiti{tlt.

. 11. Assif;ila;:int ul' I4lisceIlnlleous Pruccetls; F(u'feltiia'e. AlI Miscellaneous Proceeds at'c #tetet?,°assigned to and shall be paid to I.ender:

It' llic Propert3 is d•<itIYAgCd; stlcit Mlsccl1tt13couS PYOCCCds shall t7c iit3plied to I'estoiittlott ot' repair oi' lhc

Prolaerty, if the Aestortation or repair is eCottomicully> t'ciasibte and Leitdei's security is t,1o€ lessezted. Duritag sucllt:•epair ati(1 restorniioti period, Lbiider sltti311iitve U>e right to liold s>.ich iYtisceiliitieous I;i•ocecds itutil i.<etrdat• has

lstad att opportunity to itaspect sucli Pt•operty to ensure [Ite work has Uecta completed to Let>dei's satisfitction.13iovidccl tluit sucla ixlspeclion slaaill be uildcrtal.on proiiaptl}•. Lender may pay for the rcpait•s tlitd tisiortttioti in

a sti1g1C dtsl3tat'seitaeiit or in a sei.'ies of progress 1)iay'llIe9ats as tUle 19ollc is Ct)1U17letCCt, Ullicss an e?greeiilCnt is

ailadL in tvl9€isag or Applicable Law i'e(}uix'es iutt;rest to be paid oii sttch MisLellatieotts Procee.(!s, L(;n(Iea'• slrt(litot be i1rClliitZdd to p1}' Borroli'e!' iatS}' interest ot' eFit7ltt)gs Uii sttch IVJisCellitite(3us Proceeds. IY (l7e restoration tti•rcpiiil' is LiUL economically fcia;iil>lG oi- Lcildei's seci.ti};ty bFOltld 1)C Icasetled, the Miscclliuleous J'rocccds shallUe applied to [tac suins secutect by f.his Security Itastav.naetit_. wIietller oi- inot thctl due. lNitli Utc cacess. if a:13 ,

paid to I3orrot•ver. Stich Miscelliitleoits Proceeds shall LC tapplied tta t.he oi'der provided foi' in SCcttota 2,In thc event of a total lilkiitg, destiticlioii, or loss in vrtlue of ilae Propcrty, the Miscellaneous Psoccecis

shall be applied to tlte sutlis su;uied by tiiis Secttt'ity Itisitxtftaetil; whether or ta(>t then dtte; with ihe excess. if,tny: paid to Borrower.

In the evelii Uf a p•irtial t.al;iiag, desinlctiotl, oi- loss in 1'ialtle OP Lhe Prnpet"t)' in 1Yhlch tllc IraEr iltarket vitlueof (lie Property it1t711etliitlelj' befoi'c tliC I]iafliill taking, dcstlltctioii, ot' loss in ViiluC is e(1tfF1I lo or grCia[er l.lliitl

LliC `cltllolitit of ttiC satftis secl[i'ed by ttlls Security Iiastt'ltitieI21 inunediately uelbre the jrut6atl ttilaatlg,destiUettotl, or loss in viillle. tataless f3oi7'oi4'er ,[itd Lender uthenvise agree in writttlg, ilte sitt»s sccuted by tttis

Sectu-ity Instntinent shali be reduced by the t[inotttat of the Miscellaneous isa'occcds antattiplied by tlic 1'olloSV"tnf;fctctioii: (a) tltc total aqioutit of the sttins sccui•cd itnilicditttcl}' boforc thc pttF[iztl tal:itag, dcsUiictiota, or loss in

viilttc divided by (b) t.lic fair ta3 ltrketvaiuc of tlie Property itntuediatcly t7clorc the partial tall.inU; desttttction; urloss in i•aliae. Any isctltatsce shiill be laaiid to F3oi•t•ower.

In l(le event of ti partial taking, destnaetion, iJl' loss il4 vJI13e (1I' Llie PropeYL)' in 14'1a3C11 the fiiil' market vialtte

of tlte Prol>ert}' itninediately berore the partial htlciug; destrt[utioia. ut° loss iFl vza#ua is less thuii Llie funoltnt ofthe sttitis secured lnultedi<itel}' before the partial ti3l{tltg, aCst.tltcti(Sta, oi- loss in viillfC, til2fess .Pilll1'owCr i1(id

Letas:fcr olhenvise agree in wriliug. {ite Miscellaneous Proccc:ds shall be applied to the satnis scct:red by titisSecurity InSLiwneitL tivlletller or taot the sutits <»c tlicza due.

If Uac Property is itbilndoned Vi• T3oix•ower, or if. after notScc by Leudcr to 13ocrower that flae OpposingParty (as deined in the tacst scn(eitcc) offers to make tan iaward to sctUe a clainl fo9• dalatitgcs, Borrower f<tils toi'cspond to l..cndcl' within 30 dai-s .zE'tcr the d<itc tlic iaolicc is givcia, I.endcr is atttiaorizcd to collect atld applythe Miscellaneous Proceeds clLliei' to restoration or repair of the prol9ei'Ly or to tlle sttNas sectiledb)" this

Secait'it}' itast(7itlacill. whether ot' itot tlacta dite. "QIJpOsi3lg 1?iaily" ialcittas tlic tltli(t I3fal't)' tlkat mvCs 13ot7'Ul4'Cf

Miscellaneous Pl'occeds or tlie 13iiYL)' against wltotal BoiTowel' has :I rigllt of iactfoia in reL?Nt'd to IVltscelliallcl)t!s

Proceeds.

Borrower shall be in dCI£altlt il itli}' Fletioil oi- I)t'occe(ltttg; whether civil oi- cl'ifi113a'<al; is t)cgttta that, in

Lendet's.jttdgiazetat , coifl(t result in folfeittii'e of t1iC P9'ol)Elty oi' other materia l ititpzaititacnt of L.endct's intcirsLin ihc i'ropesiy oi't'ights tuader this Security Tnstilutactit. Borrowcr cut cure sqcla a delitult tancl, iF<acccletation

<Q•6A(ON} (0405) GHL. (08105) Pape10 of 16 Form 3036 1101

OR 1 ^ ^ ^ PAGE.18 TO

DOC fL3 I#: 0001504()99:1710006

Jitts occitirErtt, reinstate ,;s provideti in Sectiolt 19, {7y cttt{siilf, the <{ction or proccettiilg to be disln'tssed witb iiI11Iittg tlliat, in Leitdef's Judgilleilt, I)recttEdes ft>rieititt'e of the Pt'ollel°t)' or otllef It,iter7itt impairment ol LCildei's

inlcrest in tlie Properiy or rip,iats tiiider this Securit}' Tnsfttulieiit, The proceeds of any award or claim i'ordairriges t3tatt are nttribut.lbte to the impairment oF Lender's in(erest in the Property itre ilcrelay assigned at3dshall be paid to Lender.

All Ivl"ssecitatieotts Procceds that ttic aaotapl3lied to rGstol7itiou or z-epair of the i.'tt>ilcity sfaall be applied inthe ol•d¢r provided t'or in Section 2;

12. I3orrotver Not Released; Forbearance 13y° Letittei• Not it WatiFCC: Exte{tsioti o!' t11c timc for

payment or tuodific<tl.ioti of,tiitort,7ation oC tiie sums secured by this Security iaistnunetri grtuited by Lcticter toBorrower or .td,. Successoi• in 'liaterest of Borrower shall ilot oiaerate lo reietl:,e tlio iiubiiit,• of (3oi•rower or any

St{ccessors in Ititeitst of Bosrower, Lendey shall iiot be i'Cflililted to Colililieiice proceedings <irstinst tit2 p

SUCCessoi' in Itatei'est of Borrower oi' to rcrtiso to extend fiSiie ror payment i>l otI)etivise 111odil)' amortization of

tlio sutlts sCcttred by this Security I(astiT311letit by t'CitsrJti of any detiiilild made by ttae {lt'igititil Boi'rower oi' anySuccessors in Interest of Borrower. Aa)' Ct5[beitrulce by Lstttter in eset'cisulb any rigltt: or ac- ruedy i1lcTatlittt;,

witiiotit linlit{ttioii, Letidet's acceptance of payments from t.ltird persorts, entitics or Sttccessom in lnteipsl oI'BoI'rolvCi'er iil tun0unt,S lcss tllali (lie fiiliottiat trletl CItSc, shall iiot be a waiver oI' oi" preclude the C\ei'GisG qfilil)'riglat or rcltled)•_

13. 7taittt tatiti Smv^::rsit Li:tbilily; Go-signea-s; Successors and Assi;;tis i3tYtinti. Borrott'cr covenilnts :Iadstg(ees that Borrotiver's oblif;sat.ions Eltid IiilliiJtty s}1ilSl be joint and seveiitL Hoti'evei', ilily Boa7b14e3' TYilo

co-sit;tls this Secttlit)' Iitstivincnt bue, does not executo the Note (a "co-signcr"); (a) is co-si"llill;; t!aisSecuai(y Instrttlnciit only to illorigagcr grant aitd convey the co-signet's interest in tiie Property utidei• ttie tcrtns

or ttaia Cecatritt (tisttunlent; i:i>) is not (tcmontlJls• crb(it,il(ed to p<t}' tlrr. snaiis scctlrcd by ttiis Secmify

insttunactlt; and (c) agrees t(a<it. Lender and any otlaer Borrower citt tsgit=e to eYtend; atiodify. Corbear or make

any acconltilodtltions tivitti regRlyd to the tertl1s of this Security Jiisti'tliiietlt er tlle Note }vStllotlt flie co-slgllci'"sct)nseilt.

Sttliject to tltc: provisioats ot' Se.ctioii I8t any Succcssor in Interest of Borrower wlio assumes 13ori•owetssobligations UiidCi'tliis Security IlaStlttIl1e11t in wi'ititig, ilild is approved by I.eildel'z shall t)blfiitt tall of I3oi'rowcl's

t'igllts and 1>ctlcflts liilder this Security Itisttitsilent. Borrot4=er t;h<lll iiot be rC(c{ssed froui i3olrower's obligationsand liability ttiidcr dlis Sec(trlt)' I.Iistillfiieitt t.lilless Lender tagret:s to sticii irlcitsC itt wr'tt(lag. Ttte cilvclliiEltS iltld

.agiZ;CtltelltS eI t(1is ScctiritJ' Iiisti't2iitent shall btitd (except as i11'ovidet;. in Section 20) 'ctIId betlellt the sltcceS50rs

titld assig[ts of .Letader.14. Loan Gllttrges. Leitdel' may CJlai'ge I3orrower i'oes for sclvices perfunned in conitectiori with

Boi-rowcr's defiudt, fol- ilie purposcof protecting l.ende1's intet>vst in t)Ie Pi•opert}' and a-iglits tutt3er tltisSecttrit} Instslanient, inclttditle-; (31tt iiot lililited to, 8tlorneys' feCs, propert} inspcctioat ilitti 1'Filtli{t1011 fCeS. In

regard to atly otller fccs, the absence ol4xitress <lutilority in tlus Security tusttiltlient to clt<trse a s4teciPic tec toBorrower shall not bcconstrued as a hrohibitioti oai the charging of sucti fce: Lender may taot: ctl<u•t;c I'ces th;atIuz czpl•css15- proiubitcd by this uecuiity Itislnunciit or b^)' Applicable Law,

Il' the Loan is sttbject to a law which scls maximum loail charges, tind that I:iw is finally interltrl;fed so

that tite itiierest or otlicr loan charges collected or to bc collected itt coaiaicclioti tvitla tlie Loan excced thepci'itlitlec( Iimits, thcn: (a) any sucii loan charge shall be rcduced b3. tiae tullount liccessaiq• to reduce tilc charge

to tiic pernt3ttetE Itnlit: and (b) any stinis already coilccted Cront Borrowerwhich exceectccd pe.rtali(teti liti,its will

be i'ciatiided to Borrower. LeildCi' may cllot)se to make this i-eitttld by Tcdt.)ctllg ttlc prtiactil^il ol'Ved lilidel' the

Notc or by making a dli"ect pol)'t)tent to Borrower. If a i'rfunti reduces principal, tlle reduction will Uc treated as

-EiA(QH) (0405) CHL (013/05) Page I t ot 16 Forttl 3036 1101r^>

OR ! 536 FABEI 879

DOC ID $I : 00015040991710006a partial plrp4a)"naeltt williotlt lala)" prepli3"ment charge (tltlictlicl" or liot a prept13"1110itt clliarbe is proviclecl for

llncler tfte Note). BoI"IUtvcr`s acceptance of talt}' suclt reFund made bl dlrect payment to BUrmsver will

collstitule iI tvaiver of any riglat of action Bormwer Illibht. have tlrisiiib otit oI'stlch overcharge.

15. NtitRces. AIl liotices giveta by Bolrower ur Leladei' in coiinectio3i witlt tlais Security Instilnncllt nttlst

be in writing. An_y notiee to Borrower in coltiaectioti ivit:(t titis Security ltlstlulilent shall be tlcesne.d to have

becii givcit to Borrower witeli mailed by 1'iist cllrss nt<aIl or wlzcn actucllf)" dclivercd to Boti"owei's tlo(iceaddress if scnt t1)' ot.I)eB" nleilils. Notice to any one 13orrowcr shall constittite liolice to all IBoi'rt}ti'ers tinless

Aplrlicabte Law expressly res`ttires otltclwise. 'I'iac noticc address shall be tllc Property Acldress utiless

Borrower l:tis designated a stlbstitttte notice addtr-ss by notice to Lender: Borrower stiall promptly notifj•Ll'.ti(IG'Y of Bol't'UwC!''s cllftilgL' 13I address. If Let1C1o1' specifies tl t)I'ocetttlrC lUr il;I)Orti11g 1:So1'i'oiYel's chainge ofaddress, tI}cn. I3o17"owet, slaail only Icpoit a chnitge of taddi^ess through iilat specified procedure. Tilcrc Iliay beolit{' ontl CICsigJkltcd 1H)tiCe iYdCITCss IIIIfIeI' tliis Seclll'ltj' Ilisi11f1'iiCllt at any o11e illliC. Any 11ot1t;C: to .LCt1(fer SIL'lIl

be giveli by Cleliveritll; it or by IIaillliilg it by fii'st class mail to LetiLtet's <lddi'ess stated lieicifi tlti1c55 Leti(ler liils

elesigIUlteil tlnc>tller <ltldress 193 tlotice to EorrU4rer. Aa1) lwtst:e iu c;uniitai:tioii wiill tliis Si;i;ulil.3 I;iS[frluit:rlt

slaall not be deeitied to have been biveit to Lcnder tltltil <lcttiiil)• leceived by Lender. 11' all}" liotice required by1.•_ r : . r ..-..-..._. is.. . e_._ ,t : z ._._ S n ,. t rfllltJ J41.t1fl11) lfi:>Ll^!l114/1t iill:>U 1[:I.Iilirl::

.au 11[1[ItL! fYlillllLiil%14 L^lji^. the ill/^)I1L.l^/Ei: Lil^1 Iti:l.llllllll141t1 t13Il Iti.ilj

tile correspoiadiitg i•cqitireilielrt under this Security iaistnuiaent:rr r`y°:°4z•:,ir.g, f:<.;Aat; Sev. crnisility; Ritles of L'.otltt.ilction. This Security l.Iistrtilllent shall be govented

by federal liatv xlncl the law of tlle .jtl!'isdictioli in wliicEi Itlc Property is located. AII ligllts and obligationsrnptllltleti in t1liS SC.ctliTt)' .Tl1st1'ulllellt are stit)) CL to any !'aqIiilrnlel115 il(3(t ldlili!Fiti'?27s of Applicable Law.

Applicable Law a71igI1t .^.\j]liciLl)• or iuipIicitl)' allow LIiC t)<1l11es to <ii.;i>rC by colltr2lG. 13!' it might be SilCllt7 t)ttt

sticll silence shall not be const.niect as a pI"41ll11iti011 ilg.?lnst tlgree111e11t tl)' colitl'<act, ln the event t119L anyprovision {Ii' clause of this Sectlrlt}" Iiistililitellt oi' the Note cont7ictS 1Vitli Applicable I.aw, stlCli conflict sllilll

itot affect ottier provisions of ttlis Security Iilstrlimcitt or the Note which can be giveit cE'fcct tivittaottt theCOlillicttItg provision.

As t1sG(t in tilis Security IilstiUtileiit: (a) tvor(ls of the I]iNsS;ttlinG gencler sllaill lIl c'<lll H11(1 iRGltidC

coI1L'sI3o17(Iitig nG118e1' words ot' 1voii"IS of the 1eI11i111l1e genEler; (b) words in tllc siligi2lilr slleall iriCtlll tliid iilclil(le

the plILG1l and vice velSil: and (c) the word ttllla)''t gives sole discretion ti'ittloilt any obligation to take <llt^^'

ilctfli3 il.

17. Borrowei•'rt Copy. Borrower shalll be given onc copy of [lie Note aitld of this Security latstluliteall.18. '4't'11ilsl'er of filx! Plii} ► ellv oI' !I !at`.liefil°illi 7112E<rtbst i11 Dorl•teyveil. As ltsed in this Section 19,

°Ilite4'cst in tile Propel't)`" nieillls any legal o!°t7ellellciijl interest in the PI'opCrt)`, ldlclllClillg, bilt not I!llliteCt to.

tlit)sC I]Clleficitl) iltte!'i35ts tliataslci7'ed in tl IJDIicI ,(U!' Clt:ed, coSitl elct foi' deCd, illsttllll7iflit silli,s colll.Iel(;t oi' escrow

i.tglLCiliet7t; t(1c intclit oI'wfUclt is t11C trallsl'Crol'title by I3oI7bwertlt a future date to a plil'(;l]i1sCe.

lt' <a.ll or ,Ilt,)" p::trt of tlae l'ruport5- or any Intcrest in the Property is sold or tr;ulsfcrlud (Ur if" L'orlrnl i;r is tiot

a natural person and a beneficial interest in Borrower is sold or tlansl•erred) AaitEiolit Lclldcr's prior writtenconscilt. I..cildci' may rc[ItII1C III]II1Cdi¢ltc pllyIliclit lil full of all stiiias scctl3'c(I by tltls °.` ,ccllrit}" Iiisti131)icnt.1-lowever, this option shall not be exetcised by I,endea" it'stlcll excrcise is profiiUitod b}` Applicable Law.

II' Lcltdc^r excrcises (lais option, Lcilder shall givc Borrotvcr lictice 11!' :lt;cclcl,itiolt. "I'lic llotic•e s11;ll1

t?CovidC a period of not less tiltll7 30 days froln tlic date LI}C n(1ticC is givCii in aiccordtllacc: lvitli SCc(iotl 1 g

1h'itllifl wlllc-ll l3()rrqlkGl" lllllst (.^m: e}I.1 slttlls sccti!'e({ by LIllfi SCctlri(;' IlistlL?!lieFlt, I1 Boirnla+ri' 1'%til< 19 r':1;.' IiloS_r.

Sltllls P00I' to tlle expiration t)1' tIals period. LeilClel.' may lllvolCc itll) 1'ciliCdles permitted V,}' this SCctlrit)'

I ►lstrnlatellt witliotit ftlrtlle!' Ilotl(;ti or demand tJtt $orl'o!1'Br,

-GA(OH) (0405) CHL (0$106) Page 12 0116 Form 3036 1001ei

ffR^^êav

DOr ID #l : 0001504099171000E;

,I). 13nI'1'Ul{'Ci's Rij;lit to ,tte917st&fe Aftet' Acceleration. Il Bbrrowet' 131eCts t;ortiallt collditioiis. IIIot'r{3wer

shiall have tUle 1'EgIZt to have e11103'celllellt of this Security IflStitintellt disct)altltltled F14. any tili2c [31'iol' to tlac

eilrl,fest of: (a) live day s veforc :;ale or t[ac Propell}- pursuasll. I.o Faal) I?olVeI' of Siile contained in this SCcltrit.j°

Iiasttttilicatt; (b) sucli o!1lca• poliod as Applicable Lrw nublit spccit}' toi- tllc 1.eruaiuation of IIcs!rowcl''s right to

reinstitt.e; or (c) elltiy of a jtadl,?iliE;itt: eitfUrcitig this Se(:ui'Sh• la)Strian1C13t. Those coiiditloal4 l1t•e fh2at Bot'rower:

(a) pays l.cnder all sttins wlaicil then would be (ittc utadet- tfiis Sccutit)' Instrt[nletat and [!te Note as iC tioacceimatiou had occttt'rcd; (b) ciues atay dei'tn[lt of any otlicr coventsnls or <igrceincuts; (c) pil}-s all cxpciascsiiicuri>rd in cllEoioirag this Security lilstruitteztt; inciuding, but liot liiuitcd to, SiciisUn<abte itilori:c}-s' iecs.

property ulspection ailLt villuilt[otl fees, and otti.er fees iiicur!?Cd fUi• t€1e puipose o1, protecting LetIdCC's interestill 1:l8C ta►•oj)4'rt)' liilt3 i'igii[s tltider tlDis SeL'ul7tj'' 1FIstr7,Tltaetlt; and (t{) tial<trs such o;ction as Lerldct' may reasonablyrequire to iisstiaE (iaatt Lender's intei'est in ttae Property <and, s'iglits under tilis Security Instnimeiat, and

Borrower's obligation to pay t4re stulas secured by Èlris Security Instr-cinreut, shu11 cu!!t;liuc unchanged. Lender

llla}` rcclti'sle tdaat Borrower pay stlclt r:eitast.IteEttelkt suitls i[rld expenses in oite or xiaore of tite followi[ag foEZns.;ts sclectcd by Lesldcr: (a) casll: (b) iBoltc)' o1•der: (C) certified c€lecli: batitc ctie4t:, tiuQasiirCt's check oi; c;1s14iC:r°scheck, provided any sucli c11eck is dralvn upon an institul:iola wllose deposits <tre i;isured by a tederaf rlgenc)•,

irL;trsalacnt;a:i4, or entity"; oi' (d) Electronic I'utids Triansfci'. Upoal iefa2st;atcalicnt. la} i.;otao1vcr, this SccusityIusttvinen€ and otalif;ations sccui'ed tlereby slrall relliiiin fully' etI-cc€ive ,!s if uo <accclertition Nod occurred,

..pj.,.ty t. . .. ...r I u t t. I v.. ,.., . ..... .r; . .. ...< .. .. .. .. .... ..... ... , ...,..., ^_.. . .,..... e.. ..,.

20. Sale <jC Note; Change of Loan Servicer; Notice ol• Grievance. Thc Note ol' a pttttia} interest in tlicNnfr (Inarlhrr tix ith Ihic Rrrtrritf- Tncfltiiniro+t) r:m [er rnlrl mir nr ezsnrr Oistirc irrithn(rf tie•9nr notir•r, in Rne•rntz+nr

A sale ialight result in a clianl;eyila tlrc caatity (known its the "Loan Seivicer") tilat collects Periodic Paymentsdlle D.[ndC! l.Ile Note ilnd 111lS Se( ltt`!t^' Tt1S11711Jien1 ililti j)1,rI'o17a7s other Ialorll',;iê t{D<ai^ setl^tcin,I; oblit;tatitlils under

tflc I,tote, tllis Security Instnanicnt, arnd Applicable Llw. Tlterc also nii¢ht be ouc or more cllaiiges of the Loian

Scivicer unrelated to a sale ol' the Notc. If tlacrc is a cllan'le of [tle Loan Selvicer, Borrower wili be givcn

written not.icc of ihc chGulge ir•Iriclt witl state tlie naiale and address of ttle new Loan Sclvicer. tiac address towllich pa^ytafeilis slaould bc nirrde auad any otllct• ilifd3ri13iation RESI'A rcquires in conucction wittt a

ilotice ot'transtec- of'scivicing. 11 the Note is sold and Uierca!'ter tlic Loan is sctviccd by a Loau Sm4ice!• othci•

ttlau t.Eac purcTittscr of the Noic, tlac mortgage loan servicing obligations to BC3i•rower will renlHi3l wtttl ttic Loiifl.SeiNsiccr o!• be tc•ausiccted to a succcssor Loan Scr1•icci' and tirc riot asstriaied by [lae Note purctstascr uallcssotlicnvisc provided by tlae Notc purchaser.

I Teitili r BvrroNvLi iior Lcatuet may eoItutteitce; join, or be juiirtu to ruay ju>Iis irli aL ►iuu (as citilel` anilad•iVidual litab<int or the aa2 eiaaGcr oi' a t;lilss) tSttat atriscs 1'rout tlic otiter party's actiotas pursuant to ilais Secwit}'1lastruoa4iit or [fa,lt al3cgcs tirsit ttic oflicr ptirl.}' lliis breached cDny- provision o.C, oa• sarly• dut}• ola°cd by rrtsolt al',

tlais SCClat711' lits[riinlCnt, tultil sttcli T3oirowet'oa-Lentler has notif-icd ttac other Ir.tit}' (with sticll }totice given in

cunll:,liallicc -with ;1',c rcÎttircilaeii€s of Sectirsn 15) cGf such :tllc.ged tirencli auid afforded tl-ic etlt4r party Itervto a

reasonable pet•iod after the giviug oisucil notice to take corrective action. If Applicable Law provides a timc,3c.i^vd :. l. it;itst clal)sc before certai[1 Ilcilon cilia 12:: taken, that t,fCC (lv,iod will I)c dcciiled to be rcJsouciL°Ic

for l3utposes of this parrtlpitph, The noticc of accelcr<ition and oppoliunity to cure given to Borroivcr Utu•stittntto cectio:: 22 and the nedice c:!' ,acc•cteration given to 13orr^wcr ptir:n;ant !(' c^:ii)n !€4 si:all bc (lc01110d it)s<ifisf} the notice and opportunity to lake corir.ctivc action provisions of this SCctton 20.

^ 3-Of44C)Hj (0405) Cli[, (08105) Page 13 ot 15 Fornt 3010 1/01

5 3 6 PAOf i ^^ ^f

DOC ID j{ ; 0001504099177.00062.1. JIar:tt•dt►us Substances. As ttsed in this Section 21: (a) "Hatz:.trdotts Substifuces`r ifm Lllose stlUsttt(aces

dicliEted tts toxic or hnzatrdous substances. uollllttalats, or wastes by Environmental Law and tlac 1'ollOwtiigsuGstiii}ces: psoline, i:erosene, ofhed' f1 it112i71itI3Ie Or fC)1ic Ilelfk>leilitt I)i'odtlctS to\IC I)b'titici(.jeS ,rni:I Itci•tlicides.votaitiic solVCIats; materials coaatairtitag asGestos or folTnaldeh>'de, atnd radioactive Iti<tacrials; (b)r'.EilviYoitrlteiatill L21w`r Saleafils feClerail laws i.t1a(I laws of Ljle•Jiii'3sClicLiol2 13'Jtel•C the Property is located that 1'el'a]tC

to tieatltEi. siti'ety oi" enviionnmn.tttf prd7tect147tt: (c) °Luviy'oiilateutatl C.leaittup'° itlclttdcs aitty" response €tct.iuu,aeincd'tiil action, oi' Ictuov:31 tactir.all, as dcfined in Environmental Latlv; and (ci) an "Ftivilonmcntiil Cociditiottd"means a coalditioit that casi ctittse, colttributc to, or otherwise ttigger attl Blrviivillilcll(al Cletaltt(t).

Borrower stiiitl not cause or peuav.t tlle pi•eseltce, ktse, rlisposal, storage, ot• i•eleatse of a(ty- E-Iitiaitlous5tibstatlices, or thretlt®n to telta(ise any I-kU.Ell'dtJtts Substances, oti od- in iile frUj)ert}`. BorrolYei- shall i((?t d(Y, ttoa'

rlllot+i itll3"one else to do, iznytli111f; ttftectiilg the I't"o13er1}' (a) that is in violation o!'itla}• Eiiviroitttlcutitl Lntiv, (b)10ie1K arcNtc:s an );1tvilotYaitP.Fi1271 CoJit'.Iitit)11, or (e) which, 4dtitl•10 tile 1 âaL'SualUt'., use, Ur a•e14<isi o;".s ilati.itailuusSubstittice, clci(tes a coitdition that adversely affects tlte v alue of tlle Property. The preceding tWo selitc(icessllyli "crui Siji1713- t., the ^ a7 Jt l^t t. U34; fa J1UISi^t vie iiii i iviii iij Gi Sial«ii îii<"rucitiia VA [1ifl/6i^{VtIJ VUUJt<3i'1 l J

that aiu gencistll)" recogiiized to be ,tpplupliatte to liorniul residential ttscs and to matiittenatnce fll' tile Propertyr.. t,,at 1. a„^ iti t ...a.. ^,.i ,,.,i.....,,•,3...^ .. t:. <. ..., ..... ., .., u „ .> .<....,.. <...a.... ....... Y4„ <.,^.

Bot7"oVS'er shall p1'()itil)tly iiive LetKlei" written notice af (tl) any investigation, clatilt), tIclilat(td. lilwsllit 01-,ei.rr sriinn ir<• :rrer nlrrlFStrns^ntai nr l^mii,.tirrrl iaartrro• nr I.srn,alr nctrf,• itit•nl.rinn (it^ Prn>nCll i(ir{ oss.•.,.. e . ' ....,, a .,_._ . ...: .^...- ._^ ..,^....J -.,. 4-....^ . ..^ 1._-... .. ..._l.

Ilaz,u'dof.ts Substance or Elivirotaitacntatl Law of which Boi•lutvei' Iatts actuai klaotvlc(Ige, (b) <inyEltvironmclatallf^nruli9irtra inrltvlisru htii nnt i11S1/tPli irl 149N' C111Î9Jlu iral.inrr rticrh;are,r_= rr<irasn 3rr thrrai rrt` rrir rcr rr!' ;rrrti-1tt74•trdous Stibsiitncc, and (c) any cofic.lil.iott caused laY Lhc prescnce; use or release oi' ¢i Hazai("dous Substance

which adversely affects tile vatlue of llie Proltert3'. If Borrower Iea171s, ol' is tlotificd by any govertlntelltatl orrcgulatto(y. irtititority. or aany- pt-ivrtte party, (ltitt any removal or othct- (-erilediaitioit of any Iiiiiatrclot(s Substance

atfl-ectined tile Pi•opet•t} is ttecessauy, Borrowet• sliall proniptli lattce atli ttecessttd). relitetiial its;I:ioits in accordanccurltli Environmental Law. Notliing herein shall create a(ay obllgtltioiz oli Lctidel' for itti EiaviaDatlltcntiil Cleanup.

l'dC?N-UNIrORM COVENANTS. Borrowet"itild Lel)dci• Iiiltl;cr covetttliat and <ipee as tollows:72. Acceleration; I2etI1CdI4"s. Id'.[(di!i` slitttl give tt(JYice to Borrower prior t1i :dccetei'$ti4lrt ttftt#ftt'lttg

RUI'i'ol'FCI't's breach of 811}' C(1vClittlit" (Sa' atgt'ec(Ilellt iii tllis Se.i't61'It3' IlaStC(SiilCllt (l,)tlf ttot prior i(ialct:6nlCt•aidi(Itl ttiidet' Section d-S ttitiis6 Applicable LitYS' provides ()tilet'tYtse). 'L•i1C 1it11'icC Sllilii s1ieL'ily: (tt)tile tlet'itu[l, ( b) the action retluil•ed to cure ttac def,tutt, (c) it iEtife, tiot less than 30 days from tllc date theli(ItaceiV gt\°t;tt 11) 2S(DrtYt1'Yt:r9 iDY til'iltcil titt: tiei8lult lt111st IYL'l.°ttt't'ti:p 1911tt ((I) tilitL2aliltat'L' tt) cure tile dlCiltttlt011 Ui' I>eftDt'e tllc date sllecifiL'dl in ifltc itotict', it3ay I•esult ili acceleration of tile sElins secured lt}' tltis(ZCi3lt!'iiV % iisii'i11I1dSl7i, iUt'i'.t;I1Dd7ili"(,' by jtid(i1:1}I# I?tYfdJC4't1llib atllik S.dic of illti .f'Y(lltt'r1Y. TiaG it(rtiC'C sltilii(ISI'tlael° iill'd?1"iil IId► Yi'(11i'Ca' (tf jltc I'Iglit t(1 I'Citlst.ftte ilfiei' ilcC:[`let"4ltt(!li ,liad tIl(S right tSl lissei•t itl the

f<3i'CCl0}ittPL flyd.)CLdhll1" tlld _ lailda••eX15iClicZ Oi, it dCliltlli t?1" 8Wy (}tI1Ci' 4366Iti4 o1AtH'i'o11'C!' i!i :dcCC1CI'atiUlA

;tilil foreclosure. If tile (ICr"sttilt is not cured {)it (ii` before the dale specified itl tIU: notice, Leittlt:i' at its(>iyti(i;x a+try riA4ilile iitllt7[{Iti'itk I'/fl1IlfCiii iil iiiii \11 .SIe -IUMI secured lil tllis Seci/ij1y RilsllL(il/l:'all -^/lflldll.it

fi1I'tllet' ilellillil(I iili(I illtl}` foreclose this St:t;Ui'it}' Illstl'iifOCttt. by Jitllicilll proceeding. LeY(tlel' slltil) be

s:.ttiflcd to collcL:t all ClI3e;;ut's Ittc(I1Ì'ed in IJI:1"3iS1IIj t1:c :".^SS editC; 171'tll'itl;.al in fiEis Sei,:tt4Di, 212, TIrL'Iu(IiII7g,1>(it laot Iiriliferl to, costs vI'tiite evidence.

73. Rcknse. Upon paiynneit{ ortlll sums sec:ited by t[iis Securily )dtisita!t3ieall. i An+:led• sJtatil disc:limtc ((tisSecurity Iiistiuitleiat. Borrower sltatEl pay any Eecordaatio(t costs. Leticlc(• may citttrgc Borrower a fee fot•retcitsilig this Security Ittsl.tt11 ►1eiat, bttt only if tllc 1'cc is paid to ,t ihird paiiiy for set-t•ices rendered and theCliiirgii]g of tllc fee is permitted ulldet-A13IJliciille Lit143,

-GA(OH) (0405) CHL (08105) Pat1e 14 of t(; rorm 3036 1101

OR 15 3 6 PAGÎ^

DOC IA #: 00015040991`71000624. CcIl,IiII Ofhca• Atlt•tllrccs, Iit tIddltio13 tU iltly Dl1iCi' sllill 5CCI2rCd licreb)', this SGCtirlt}' II1st111I11Cllt slizlll

adsc^ sectlô t(ic Illipaid;arilaci;a<It bttlance o1; plus acenteci intcrest on. any ttftioulat of Iiivttc}^ losined, rtdt^,tttccci

or paid by LelYdcr to or for the ;rccottnl aiiti beneCit of Borrotvcr, afler this Sectirit} Iaistaitsnetti is tic}iêtcd to<tlyti 1:Iled witti Ilic 12ccorc]cf•'s O[ticc, FAIRFIELD t;oulity. U1iio^ lot,

lccOldlfig. Leltder mri)' m<ilre siicil advances IIl order to pay any real estate taxes and ttsscsslttcflts. it1sllltttlce13rCIlilllli35 ^,lltls i111 f511iGrcosts and 0S;7CIIses it7clSri'6d in cOIlIiCGtlqii wIdi the oj3eltitioEl, pi'OtCf)t}Oll Ur

pi-cseivation of ttte T'ropel'tj', iiiclttdiltg to cule Bpi-rower's delatttts by making tiuky sucli =r<tS.Iilents wliictt

I3oizimcr should have paid ils provided in tlls Secidrit)' Ili$11111iicitl, it t)CiIAb ilitcPiCil:d by tiiis SGctlOii 24 toiICicliOwlCdgC, iit7fl'Iti f1lUt comply witli tlic provision of SCCt.il)li 5301,233 of {.IiC RCVisCCi Code pt'Olii(S.

BY SIGNING SELOW, Borrower =cepts aitci agrees to t4ie teriits atid covenants cantaineci in tilisScctla-ity Instr2izllczit filttf iIt alty Itidcr esectttcd by BorrUwersllxsE mcorded Nvit6 ii.

- (Scitl)

-13urrntvirr

-(Scal)-f3urrO+vur

___(Scal)

-13orrotvur

.6A(0!-f) (0405) CNi. (08105) PiUo 15 oF ttiFornt3036 1101

In Witness whereof, the said Grarttot° Best Choice Homes, Inc., and

of Grantor, who hereby release all his right and expectancy of

Dower in said premises, have hereunto set his hand on this day of

Q:.^^^^ 1 6 , 2CD06.

Signed in presence of:

STATE OF OHIO,

R 15 3 6 R01 1$4 6

COUNTY, ss.

On this day oib::k^ 2006, before me, anotary public in and for said County, personally came `t

and acknowledged the signing thereo ^ to bevoluntary act and deed.

't7'/ J,^;^-

Witness my official signature and seal on the day last above mentioned.

Notary Public

^:,•^ .r ^ _ t.tSA M. itLlstulFOTHNoiacy Fubfic. State of Ohio

°.^ tiy; My Commission Expirss 1013012606RecoFded In Fatffiefd Caunty

' ^B<<re^olit°'^ .

DR 1 sj 3 6 ^^^^ 1 &6 1

A.ftea• Recot•decl I'lease itetearie to:Williana Joselsli Casey995 2{vcTcmili RoatdLancaster, OR 43130

t^uitclaim Deed-

KNOW ALL IvTEN BY THESE IDItE-SEI>1TS ttlat Candice Casey, spouse of grantee of Fairfiled Coutity, C11tio, forvaluable consideration paid, Grant(s), to William Joseph Casey, a manied man as 4tis sole and separate property,whose tax maifing address is 995 Rockmill Road, Landeaster, OH 43130

The followieag descsibed REAIL I'Ct4JPERTY;

Se.e :tttrtctted

XCEPTI®NS TO THE '4'V.ARI2AI+tTI.ES: Excepting front Ytie general warranty covestants, restrictions of record

and conditions, reset'Vatioils and easen'leiats created in conjunction with suci3 restrict€ons, zon6,ig ordinances, if auy,and taxes attd assessments, both generat and special for the current year.

Witiiess )_Ie^ ltand(s) this day okhXC6_C 2006.

aatd ncktiowledged in t(te presence of

(WiPtoess}

f^

State of OtiioCounty of

alq_lldl ^p &^'^eCandice Cclsey

BE IT REI4XICMBERED, That on this k (C, 2406 , before me, tite subscriber, aNotaryPub}ic in and for said couiaty, , personally cacrte, tlie grantor(s) in tlie foregoing dees4, andacknowledi;ed the signing thereof to be }Ne,t^ voluntary act deed.

IN TESTIMONY TEIEI2EUF, I liaue liereunto subscribed my i2ame and affixed xny seal ori the day and yearaforesaid.

V-k-^^.otary)

Notary Public-State of, I

This instrument was prepared byFidelity National Titte7595 [ivine Center Dr. Suite 250Irvine, CA 92618

My Commission Expires: L'C? - '

tl4/ )/I

A^

C.. 6PSA M. iStAMFUiHNatary Public, State ol OhEo

^dy^^ a"^ ,4 f^ z My Commisstan Fxplies 1013412Ui3GRecorded in Fairfreld Couney

9fllfflt

FX1-41Rl°C

^^.^

J e

IN TII.E COURT OF COMMON PLEASFAIRFIELD COf.TIoiTY, OHIO

\ r4^

...... ................. ....................... ................ ^.

The Bank Of New York Mellon Fka The BankOf New Xvrk As Trustee For TheCertificateholders Of The Cwabs rnc., Asset-Backed Certificates, Series 2006-24

vs.

Plaintiff,

Case No. 2012 CV 00723

Judge Chris Martin

Ol:2DEk YACATII\"G ORDER FC?RSALE AND WITHDE:AVVINGPROPERTY FROM SALE

William J. Casey aka William Joseph Casey, etal.

Defendants.

This matter is before the Court on the motion of Plaintiff for an order vacating the Order

for Sale filed on February 21,2013, issued by the Clerk of Courts and withdrawing the property

that is the subject of this foreclosure action from the Sheriffs sale that is scheduled for April 5,

2013. The Court hereby grants Plaintiffs motion. The property shall be and hereby is

withdrawn from the Sheriffs sale that is scheduled for Apri15, 2013. The Sheriff is hereby

cr-dered to return the {Jrdei- ior Sale without execution;

IT IS SO ORDERED.

Judge Chris MartinCommon Pleas Judge

10-500969 TVVCI^ FlO

IN THE CO[TRT OF COMMON PLEASFAll.tFIELll COUNTY, OHIO

The Bank O€New York Mellon Fka The Bank Of NewYork, As Trustee For The CertifDcafeholders Of TheCwabs Inc., Asset-Backed Certificates, Series 2006-24

Plaintiff,

vs.

William 7. Casey aka William Joseph Casey, et al.Defendants.

Case Noa 2012 CV 00723

Judge Chris Martin t/A a"^

MOTION TO VACATE ORDER FOR SALEAND WITHDRAW PROPERTY FROMSALE

P7ain±ifFmovcs.fer as _order Vacat;n4.the_ Qrder:for.Sate.which was filed Fabruary,21, 201e issued bythe

Clerk of Courts to the Sheriff and withdrawing the property that is the subject of this foreclosure action from the

Sherzffs sale that is scheduled for April 5, 2013. The property is located at9S5 Rockmill Road, Lancaster, OH

43130.

Plaintiff seelcs to withdraw the property from sale for the following reason:

Bank of America recentlyentered into a settlement with the United States Department of Justice. Per the settlement,

Bank of America is required to review certain loans that it services. The loan at issue belongs to a class of loans that

is subject to the settlement and requiring the aforementioned review. Bank of America is attempting with all

diligence to comply with requirements relating to this settlement. Plaintiff and its servicer, Bank of America,

therefore respectfully request that the Court in this matter grant the motion to vacate the sale, which is not interposed

for delay, but rather to afford the opportunity for Bank of America to comply in good faith with the terms of the

Department csf3ustice Settlement.

(spect II ub itted,

Davi F. anson (0 5 580)Michael E. Carleto 083352)Craig Spadafore (0081279)Manley Deas Kochalski LLCP. O. Box 165028Coiumbus, OH 43216-5028Telephone: 614-222-4921Fax: 614-220-5613Email: [email protected] for Plaintiff

1(}-500969_JWC iF5

¢ C"^rrit ^la ht 7Dceb

OR ! 80P 9`^7ê^ ^p kIJeI

^)d Dan B. Starkey and Toni D. Starkey, Trustees of tlze Starkey FamilyRevocable Living Trust, UAD April 20, 1999, of Fairfield County, State of Ohio, forvaluable consideration, do herebyremise, release ancl forever quit claim to RichardL.. Wolfeand Helen E. Wolfe, husband and wife, for their joint lives, remainder to the survivor oftbem, whose tax mailing address is 1005 Goodwin Avenue, Lancaster, Ohio 43130, thefollowing real propel-ty:

Being a 1.243 acre parcel on Rockmill Road, Bloom Township, FairfieldCounty, Ohio as rrtore particularly described in "Exhibit A" attached hereto andnxade a part hereof by raference:

Parrel NtIT}t her: 00$-00418-01

Address: 955 Rock Mill Road, Lancaster, Ohio

Subject to taxes and assessments ivliicli are now or may hereafter becorne liens on said

premises, all of whicll the Grantees hereby assume and except easements, rights of way,leases, conditions, restrictions and leaal highways, if any, contained in former deeds ofrecord for said premises, subject to all of which this cotrveyance is made.

1'rior Instrunxent References: Volume 1384, Page 1459, and Volume 1239, Page 1115,Official Records, Fairfield County, Ohio.

Iteference: of.ficial Record Volume Page °.-! ^°!-^' _^•

C'nfIItEb this î day of October, 2007.

REAL ESTATE GthvvEyrACE

FEE^

EXENIPT e

4UDfTOR; FAlRFIELp COflidT'l, OHIO

^btatE of 011jta

(foFtnty .of. -Irtirfiel^

N US FE: ^^^^--0NOV 2 12007 .?)-7

Starkey Family Revocable Living Trust,UAD ApriI ?,^ 9

^'` --By: ^

Dan B. SYarkey

By,.

7'oni D. Starkey `

ss. Before me, a Notary Public in and forsaid C•3ounty al:d State, personally appeared theabove nanied Dan B. Starkey and Toli.i D.Starkey, Trustees of the Starkey FamilyRevocable Living Trust, U.A1? April 2(), 1999,who acknowledged that they did sign theforegoing instrurnent and that the same is tlteirfree act and deed.

xv, ^ wr, /&Âud[{or. FairfiefdCounFl, cahio jfI1 TQ.5tI121C72^p lvlpi'ebf, I have heretInto set my

hand and official seal, at Lancaster, Ohio this &S'-day of Uctober,A.D., 2007.

{ ÂRRIE S. SNOKEAi'TORNEYATLAW CIZ, S

ftntary pttbtic, State af ohiot'emmtssipn FiasNo ExpPratiort

f1:C.Notary Public - StateOf C)IIIo;,W ^^^ ' Sec lorr t47.03

No Warranty of title, of description or

of Iocation of improvements is made

by the attorney nreparir.y this -4ecsd,

200700024791Filed for• Recflrd iiiFAIftPIELD Gi?t71JrYe UF)GEbtE Wt)Q€311-21-2007 At 01.27 abj.DEED °u_tJs^[tR Eoott 1%rEU i'ecse,29":. -

This instrunlent prepared by CARRIE S. SNOKE, ATTORNEY AT LAW

DAGGER, JOHNSTON, tv;ILLER, OGILVIE& HAMPSON

144 EAST MAIN STREET, LANCASTER OHIO 43130

,^? e ePy

AF',^'^DAiIITOR 14 8 0 4A6E2 9 7 6

pursirarat to Oltio Revised Code §5301.252

Zt10700024790STATEOFOHIiJ Filer3 for Record in

Ss FAIFFIELD t,QUNT'(r O;iI . GENE 9000COUNTY OF 1FAIItI+IELD 71-21-2007 At o1:27 om.

AFFTfa OEE:t; 3! 2,00IIR Luok 14Pa,i Pase 2876 - 2?7&^

cA^r/^ ^.I, Carric S. Snokc, the undersigned, being of full age and first dnly cautioned ancT ssvornaccording to the law depose and say that I have personal knowledge of all the faets set forth herein;thatthis affidavit relates to the deed recorded at Volume 1384, Page 1459, Official Records, FairfieldCounty, Ohio and the real estate more fullydescribed on Exhibit A attached bereto and incorporatedherein by reference.

a) That a search ofthe Ohio Seeretary ofState's website on October 25, 2007, showsthat William Casey registered the trade name Best Choice Homes with the Ohic,Secretary of State's Office on June 13,2002, and that said trade name was cancelledon June 13,2007, by operation of lawo

b) That a search of the Ohio Secretary of State's website on October 25, 2007, showsthat no corparation by the name of Best Choices fio:nes, Inc. is or was filed of recordwith the Ohio Secretary of State's Office.

c) That at the time the deed recorded at Volume 1384, Page 1459, Official Records,Fairfield County, Oltio was executed and delivered to the Recorder's Office, no Ohiocorporation by the name of Best Choice $onaes, Inc. was of existenee.

d) That the interest of Dan E. Starkey ancl Toni D. Starkey, Trustees of the StarkeyFamily Revocable Living Trust, G'AD April 20, 1999, in and to the real propertydescribed herein was subsequently transferred to Richard L, Vlolfe and Helen E.Wolfe

Further.Affiant sayeth naught.

r'arrie S. S nad:e

1âore rne nnd subscribed in rny presence this 25tb day of October, 2007.

r+Y. 5g^„i,1^^{' S 1^' tY t^. lt • .

^ O, Qv'ÛC T J. ;l

Eur^ ^ ^

N tary.Pub iC State ofOhio

. ^ ^

yA^.^CESEd

i.iu Ti 2 72Uts7^^ . ^^X,3AFX.xxxSCxRX7^X5[S^ '. .

/t W7

GIXtBttyyi^ iN1fC^,QQ}Ô

7'his instrument prepared by: Carrie S. Snoke, Attorney at LawDagger, Johnston, Miller, Ogilvie & Hampson676 East Main Street, Lancaster, Ohio 43130

1V

oR 1474 PAH 1739SATISFACTION OF MORTGAGE, Nu. 5611 (Rep:inted 2r2DD4) ''^4snon's Lspal Fornu hom LsxlaHrzta + MstMmv9endw

To n-oMeP, CaU 800.d33:7837 ar ^ac 8p6$gR8572

Satisfaction of MortgageKnuw All Men by These Presents, That THE SAVINGS BANK

,

da j^ hereby certify that a certain MORTGAGE dated the 21ST day ofAPRIL , 2005 , recorded on the 26TH day of APRIL

ZOdS . at Mortgage Book 1384 page ^^^^ , in the Office of the Recorder ofFAIRFIELD County, OHIO , executed^

by BEST CFiOICE [^, INC

to 'IHE SAVINGS BANK

on the following real estate, situated 7n the County of FAIVjFjL State of __ OH 0

....Filed for €iecord in

IS^r^ wao^

SAttn Spok 1474 Fns? I73S - 1739

has been FULLY AAtD and SATlSF1FD, and the Recorder is authorized to discharge the same ofInsErunent

record_ 21.107000184$E

In Testimony Whereof I the said PRESIDENT OF

't`FlE SAtJT G( BANK ha t7E hereunto set MY hand ON this 28TH

day ofAMUU .2007

Executed this 28THday ofAUG , 211(}7

State of OHIO

ss.County of PIGKAWAY

(Signa re of Mortgagee or rtgagee's Assigns)

The foregoing instrument was acknowledged before me this 28rd day ofbnr.► rST , 2,iL by ^ • ;• . .

THE SAVI.tVGS BANKTHIS T[3STRLThIW WAS PREPARED BY THE SAVINGS BANK vtary Public - State af Ohio

VMGAFJETL Vt>M%mly Public, Sto af Odie

r se t:ammtasbn E^ fl6-t6-2ai2-..--

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HELEN E. WOLFE APPEARANCES : JUDGEMENT: AFFIRMED …Richa^d Wolfe and Helei Wolfe. THE SUPREME COURT...

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Transcript of HELEN E. WOLFE APPEARANCES : JUDGEMENT: AFFIRMED …Richa^d Wolfe and Helei Wolfe. THE SUPREME COURT...