Extracted text (via tesseract_tsv)
83073 characters
OFFICIAL RECORDS OF
,
MARICOPA COUNTY RECORDER
HELEN PURCELL
20140517480 08/06/2014 11:28
ELECTRONIC RECORDING
Recording Requested By:
Equity Title Agency, Inc. 1719416—4-3-i-—-
ramirezp
actu
AFTER RECORDING, TO:
MATTIIEW WALL and MICHELLE WALL
29103 N GIST ST '
CAVE CREEK, AZ 85331
ESCROW No, 01719416 -G17- BS9 b>)
Warranty Deed
For the consideration of Ten Dollars, and other valuable considerations, 1 or we,
MARK CHAMBERLAIN, an unmarried man
dofdocs hereby convey lo
RYAN ANNE
MATTHEW WALL and N ICHELLE WALL, husband and wife
the following real property situated in MARICOPA County, ARIZONA:
See Exhibit A attached hereto and made a part hereof,
SUBJECT TO: Current taxes and othier assessments, reservations in paleits and alt casements, rights of way, encumbrances,
liens, covenants, conditions, res}rictions, obligations, and liabilities as may appear of record.
And | or we do warrant the fitlejagainst al) persons whosoever, subject to Uie matters set forth above,
Dated JULY 28, 2014
SELLER(S):
—~
[le AA
MARK CHAMBERLAIN
avr
5 1 28 1 1 2 639 2156 6 6 81.767830 OF
5 1 28 1 1 3 717 2157 9 8 77.332626 ANT
5 1 28 1 1 4 1222 2142 62 27 95.721924 This
5 1 28 1 1 5 1294 2142 142 29 95.840225 instrument
5 1 28 1 1 6 1446 2154 51 17 96.411819 was
5 1 28 1 1 7 1507 2147 193 34 93.196487 acknowledged
5 1 28 1 1 8 1710 2148 87 27 96.910782 before
5 1 28 1 1 9 1806 2157 42 18 96.783455 me
5 1 28 1 1 10 1857 2150 48 27 95.733376 this
5 1 28 1 1 11 1953 2120 17 51 79.949364 /
4 1 28 1 2 0 489 2154 1424 69 -1
5 1 28 1 2 1 489 2154 105 29 67.214951 STATE
5 1 28 1 2 2 603 2156 41 27 67.214951 OF
5 1 28 1 2 3 656 2157 157 27 48.062687 ARIZONA
5 1 28 1 2 4 874 2171 4 36 48.062687 |
5 1 28 1 2 5 1027 2163 16 60 83.829285 }
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5 1 28 1 2 9 1309 2184 173 35 18.942499 UEHT2014
5 1 28 1 2 10 1492 2187 34 33 96.699471 by
5 1 28 1 2 11 1536 2189 104 27 96.295433 MARK
5 1 28 1 2 12 1650 2189 263 28 96.610611 CHAMBERLAIN
4 1 28 1 3 0 487 2226 925 33 -1
5 1 28 1 3 1 487 2226 140 29 96.308609 COUNTY
5 1 28 1 3 2 639 2228 42 27 93.253349 OF
5 1 28 1 3 3 691 2229 164 29 76.855377 MARICOB
5 1 28 1 3 4 1351 2235 61 24 47.306450 vy,
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5 1 29 1 3 1 866 2388 343 24 95.000000
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5 1 31 1 1 1 1434 2232 55 30 84.674736 as
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5 1 31 1 2 1 729 2280 14 45 32.977352 1
5 1 31 1 2 2 798 2282 33 48 23.266827 AR)
5 1 31 1 2 3 870 2276 107 58 0.000000 ‘Matcopa
5 1 31 1 2 4 990 2276 71 58 95.048271 County
5 1 31 1 2 5 1440 2255 312 88 10.141077 Lubicn,
5 1 31 1 2 6 1805 2272 54 70 40.940659 VY,
5 1 31 1 2 7 1844 2255 250 88 1.835413 (Ltalpo
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5 1 31 1 3 2 778 2346 22 27 73.681412 x
5 1 31 1 3 3 879 2320 36 59 0.000000 rp
5 1 31 1 3 4 929 2320 84 59 0.000000 eatoiet
5 1 31 1 3 5 1027 2320 50 59 25.981773 neal
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4 1 32 1 1 0 1821 2355 192 33 -1
5 1 32 1 1 1 1821 2355 95 33 95.676399 Notary
5 1 32 1 1 2 1926 2355 87 27 95.949127 Public
4 1 32 1 2 0 1224 2372 638 54 -1
5 1 32 1 2 1 1224 2390 45 30 96.965187 My
5 1 32 1 2 2 1278 2390 162 27 96.297073 commission
5 1 32 1 2 3 1449 2391 51 26 96.266777 will
5 1 32 1 2 4 1511 2393 82 33 96.355209 expire
5 1 32 1 2 5 1644 2372 165 45 42.233635 [f-30-/
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3 1 34 1 0 0 487 2456 1493 103 -1
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5 1 34 1 1 1 489 2456 105 27 96.369514 STATE
5 1 34 1 1 2 603 2457 43 27 95.327744 OF
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5 1 34 1 1 4 1222 2462 61 27 96.901573 This
5 1 34 1 1 5 1293 2463 143 27 78.646461 instrument
5 1 34 1 1 6 1446 2472 51 20 96.798416 was
5 1 34 1 1 7 1506 2465 195 34 96.661346 acknowledged
5 1 34 1 1 8 1710 2466 87 27 96.353592 before
5 1 34 1 1 9 1806 2475 41 20 96.333557 me
5 1 34 1 1 10 1856 2468 49 27 96.962036 this
4 1 34 1 2 0 1027 2481 953 62 -1
5 1 34 1 2 1 1027 2481 17 59 93.007584 }
5 1 34 1 2 2 1114 2501 28 18 71.354874 ss
5 1 34 1 2 3 1222 2502 50 33 96.638023 day
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5 1 34 1 2 6 1946 2508 34 35 96.546257 by
4 1 34 1 3 0 487 2528 335 31 -1
5 1 34 1 3 1 487 2528 100 31 95.592155 County
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5 1 34 1 3 3 634 2529 188 27 15.888395 MAINCOPA
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3 1 40 1 0 0 1910 3150 111 23 -1
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5 1 41 1 1 1 2200 514 10 2737 95.000000
OFFICIAL RECORDS OF
MARICOPA COUNTY RECORDER
HELEN PURCELL
20140517480 08/06/2014 11:28
ELECTRONIC RECORDING
Recording Requested By:
1719416-4-3-1--
Equity Title Agency, Inc.
ramixezp
AFTER RECORDING, RETURN TO:
MATTHEW WALL and MICHELLE WALL
29103 N GIST ST
CAVE CREEK, AZ 85331
ESCROW No. 01719416 .017- BS9 Ly)
Warranty Deed
For the consideration of Ten Dollars, and other valuable considerations, J or we,
MARK CHAMBERLAIN, an anniarried mon
dofdoes hereby convey to |
RYAN i ANNE
MATTHEW WALL and MICHELLE WALL, husband and wife
the following reat property shtiated in MARICOPA County, ARIZONA:
See Exhibit A attached hereto and made a part hercof.
SUBJECT TO: Current taxes ahd other assessments, reservations in patents snd all casemeiits, rlyhts of way, encumbrances,
liens, covenunts, conditions, restrictions, obligations, and liabilities as may appear of record.
And f or we do warrant the tilleagainst all persons whomscever, subject to the matters set forth above.
Dated JULY 28, 2014
SELLER(S):
[be —~
LW
MARK CHAMBERLAIN
/
STATE ATR OF OK ARIZONA ARI This instrument was acknowledyed before me this
} 8S day ofeeY72014 by MARK CHAMBERLAIN
COUNTY OF MARICO: Av? « BS
fool Pubec State of Anzone
oar Haieope County Antics V, tal
ons [ay cammason espe 1997087 Notary Public
My commission will expire [{-30-77
STATE OF ARIZONA This instrament was acknowledged before ine this
} SS day of +20 by
County of MARICOPA
Notary Public
My commission will expire
WOLEDUI
| 20140517480
Exhibit A
THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE COUNTY OF MARICOPA, STATE OF
ARIZONA, AND IS DESCRIBED AS FOLLOWS:
THE SOCTH 160.00 FEET OF THE FOLLOWING DESCRIBED PROPERTY;
THE NORTIWEST QUARTER OF TILE SOUTHEAST QUARTER OF ‘THE SOUTHWEST QUARTER OF
THE NORTHEAST QUARTER OF SECTION 28, TOWNSILIP 5 NORTH, RANGE 4 EAST OF THE GILA AND
SALT RIVER BASE AND MERIDIAN, MARICOPA COUNTY, ARIZONA;
EXCEPT ALA, OL, GAS, AND OTHER MINERAL DEPOSITS AS RESERVED IN PATENT FROM THE
UNITED STATES OF AMERICA.
20140517480
Acceptance of Community Property
ith
Right of Survivorship
Escrow #; 01719416-017 -BS9
MATTHEW RYAN WALL and MICH ELLE ANNE WALL, husband and wife each being first duly sworn upon oath each for
himself or herself and jointly but not one & or the other deposes and says,
THAT J am one of the Grantees named in that certain Deed attached hereto and which is dated 7-28-14 and executed by MARK
,
CHAMBERLAIN, as Grantors, to MA‘ TTHEW RYAN WALL and MICHELLE ANNE WALL, as Grantees, and which
conveys certain premises described as:
See Exhibit A attached hereto and made a part hereof.
To the Grantees named therein, not as Tenants in Common, not as Community property Estate, not as Joint Tenants with full right
of Survivorship, but as Community Properly with full right of Survivorship,
THAT each of us individually and jointly jas Grantees hereby assert and affirm that it is our intention to said
accept conveyance as
such Community Property with full right of Survivorship and to acquire any interest we may have in said premises under the terms
of said Deed as community property with right of survivorship,
Dated AUGUST 5, 2014
t/a
MATTHEW RYAN WALL MICHELLE ANNE WALL
STATE OF ARIZONA This instrament was acknowledged before me on AUG S-* 2014 by
Co MATTHEW RYAN WALL and MICHELLE ANNE WALL
Viola Griffitts
Notary Public - Arizona
MARICOPA COUNTY Notary Public
My Commission Expires
Septembor 9, 2016 My commission will expire 7/26
STATE OF ARIZONA This instrument was acknowledged before me on by
$s
}
County of MARICOPA
Notary Public
My commission will expire
ACPTCP
20140517480
Exhibit A
artow
THE LAND REFERRED TO HEREIN I$ SITUATED IN THE COUNTY OF MARICOPA, STATE OF ARIZONA, AND
IS DESCRIBED AS FOLLOWS: |
THE SOUTH 160.00 FEET OF THE roulownig DESCRIBED PROPERTY;
THE NORTHWEST QUARTER OF QUARTER OF THE SOUTHWEST QUARTER OF THE NORTHEAST
THE SOUTHEAST
QUARTER OF SECTION 28, TOWNSHIB i 5 NORTH, RANGE 4 EAST OF THE GILA AND SALT RIVER BASE AND
MERIDIAN, MARICOPA COUNTY,
ARIZONA;
EXCEPT ALL OIL, GAS, AND OTHER MINERAL DEPOSITS AS RESERVED IN PATENT FROM THE UNITED STATES OF
AMERICA,
em aand
OFFICIAL RECORDS OF
MARICOPA COUNTY RECORDER
HELEN PURCELL
EQUITY TIL avin st 20140517481 08/06/2014 11:28
Return To: ELECTRONIC RECORDING
Compass Bank
1719416-18-3-3--
P.O. Box 10566
Mail Code AL-BI-8C-LLE ramirezp
Birmingham, AL 35296
Prepared By:
Maritsa Khechatrian
8312 South Hardy Driva, Bldg
¥
Tempe, AZ 85284
\") (QU | (p
| [Space Above This Linc For Recording Data}
' DEED OF TRUST
DEFINITIONS
Words used in multiple sections of this document are defined below and other words sre defined in
Sections 3, 11, 13, 18, 20 and 21. Certain miles regarding the usage of words used in this document are
also provided in Section 16.
(A) Security
5 1 26 1 1 3 630 1761 205 33 94.375771 Instrument means this document, which is datedAuguat 5, 2014
together with all Riders to this document.
(B) Borrower is MATTHEW YAN WALL AND MICHELLE ANNE WALL, HUSBAND AND WIFE
AS JOINT TENANTS WITH RIGHT OF SURVIVORSHIP
Borrower is the trustor under this Security Instrument. Borrower's mailing address is 1404 W.
GARDENIA AVE, PHOENIX , AZ BS021
(C) Lender is COMPASS BANK
Lenderisa on ALABANA STATE BANK
4406175206 10018039
ARIZONA-Single Famby-Fannie MaelFraddle A nc UNIFORM INSTRUMENT Form 3603 §102
VIAPS Meets (AZ) (1302
Wolters Kluw et Financlai Servicaa Pege loft
, , 74
20140517481
organized and existing under e laws of
. Lender's iling address is P.O. BOX 13345, BIRMINGHAM, AL 35202
Lender is the beneficiary under| this Security Instrument.
(D) Trustec ig BQUITY TITLE AGENCY, INC.
. Trustee's mailing address is
7975 N. HAYDEN RD, C280, SCOTTSDALE, AZ 852598
nie
(E) Note means the promissary note signed by Borrower and datedAugust 5, 2024
The Note states that Borrower wes Lender Seven Hundred Eighty Three Thousand Seven
Hundred Fifty and 00/ 00 Dollars
(U.S. $783,750.00 ) plus interest, Borrower has promised to pay this debt in regular Periodic
Payments and to pay the debt i in full not later than Baptember 1, 2044
(F) Property means the property that is described below under the heading Transfer
5 1 12 2 1 14 1835 1111 37 32 96.676758 of
5 1 12 2 1 15 1884 1110 125 41 96.896179 Rights
5 1 12 2 1 16 2001 1120 29 23 96.160812 in
5 1 12 2 1 17 2048 1110 45 33 96.540176 the
4 1 12 2 2 0 399 1155 164 46 -1
5 1 12 2 2 1 399 1155 144 46 96.305046 Property.
5 1 12 2 2 2 549 1159 14 14 41.360649 uw
3 1 12 3 0 0 400 1200 1693 90 -1
4 1 12 3 1 0 400 1200 1693 63 -1
5 1 12 3 1 1 400 1206 56 38 92.450882 (G)
5 1 12 3 1 2 471 1206 120 30 13.990068 Loan"
means the debt evjdenced by the Note, plus intereat, any prepayment charges and late charges
due under the Note, and all sums due under this Security Instrument, plus interest.
(H) Riders means all Ridera to this Security Instrument that are execuled by Borrower. The following
Riders are to be executed by Borrower (check box as applicable]:
a Condominium Rider -
|_{] Planned Unit Development Rider
mi Biweekly Payment Rider
@ “Applicable Law" means, all controlling applicable federal, state and local statutes, regulations,
ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final,
non-appealable judicial opinions.
(J) Community
5 1 15 1 1 3 687 1862 188 31 93.138306 Association
5 1 15 1 1 4 888 1862 92 37 91.322708 Ducs,
5 1 15 1 1 5 997 1863 82 36 88.418274 Fees,
5 1 15 1 1 6 1096 1863 61 30 93.285034 and
5 1 15 1 1 7 1170 1862 219 31 13.210802 Asgesamenta’!
5 1 15 1 1 8 1400 1871 97 22 96.367882 means
5 1 15 1 1 9 1512 1863 37 30 96.177834 all
5 1 15 1 1 10 1562 1863 79 36 96.876465 dues,
5 1 15 1 1 11 1659 1863 69 38 96.843254 fees,
5 1 15 1 1 12 1748 1866 184 27 88.620903 assessments
5 1 15 1 1 13 1946 1862 54 31 96.648079 and
5 1 15 1 1 14 2013 1863 80 32 96.766792 other
2 1 16 0 0 0 484 1439 347 126 -1
3 1 16 1 0 0 484 1439 347 126 -1
4 1 16 1 1 0 484 1439 347 39 -1
5 1 16 1 1 1 484 1439 167 39 96.588997 Adjustable
5 1 16 1 1 2 663 1439 69 30 96.588997 Rate
5 1 16 1 1 3 744 1439 87 31 96.868401 Rider
4 1 16 1 2 0 484 1485 220 33 -1
5 1 16 1 2 1 484 1485 121 33 96.656929 Balloon
5 1 16 1 2 2 616 1488 88 30 97.012741 Rider
4 1 16 1 3 0 484 1533 154 32 -1
5 1 16 1 3 1 484 1533 55 32 96.275986 VA
5 1 16 1 3 2 550 1533 88 32 96.549873 Rider
2 1 17 0 0 0 1538 1439 316 136 -1
3 1 17 1 0 0 1538 1439 316 136 -1
4 1 17 1 1 0 1539 1439 315 31 -1
5 1 17 1 1 1 1539 1440 110 30 96.450188 Second
5 1 17 1 1 2 1659 1440 98 30 96.599617 Home
5 1 17 1 1 3 1767 1439 87 31 96.636993 Rider
4 1 17 1 2 0 1541 1487 268 40 -1
5 1 17 1 2 1 1541 1488 46 29 94.928978 1-4
5 1 17 1 2 2 1599 1488 113 39 96.116669 Family
5 1 17 1 2 3 1724 1487 85 31 96.979851 Rider
4 1 17 1 3 0 1538 1535 274 40 -1
5 1 17 1 3 1 1538 1535 129 39 92.007050 Other(s)
5 1 17 1 3 2 1680 1535 132 40 87.809090 [specify]
2 1 18 0 0 0 892 1571 5 147 -1
3 1 18 1 0 0 892 1571 5 147 -1
4 1 18 1 1 0 893 1571 4 9 -1
5 1 18 1 1 1 893 1571 4 9 71.145622 7
4 1 18 1 2 0 892 1581 4 15 -1
5 1 18 1 2 1 892 1581 4 15 42.717861 j
4 1 18 1 3 0 893 1608 3 11 -1
5 1 18 1 3 1 893 1608 3 11 70.200302 i
4 1 18 1 4 0 893 1623 3 9 -1
5 1 18 1 4 1 893 1623 3 9 54.283958 1
4 1 18 1 5 0 894 1638 3 17 -1
5 1 18 1 5 1 894 1638 3 17 13.332138 I
4 1 18 1 6 0 894 1664 3 37 -1
5 1 18 1 6 1 894 1664 3 37 68.942719 |
4 1 18 1 7 0 894 1709 2 9 -1
5 1 18 1 7 1 894 1709 2 15 63.042458 1
2 1 19 0 0 0 68 253 25 2966 -1
3 1 19 1 0 0 68 253 25 2966 -1
4 1 19 1 1 0 68 253 25 2966 -1
5 1 19 1 1 1 68 253 25 2966 95.000000
2 1 20 0 0 0 400 1908 492 87 -1
3 1 20 1 0 0 400 1908 492 87 -1
4 1 20 1 1 0 400 1908 481 41 -1
5 1 20 1 1 1 400 1908 118 39 96.658470 charges
5 1 20 1 1 2 540 1908 57 32 96.346451 that
5 1 20 1 1 3 619 1919 50 21 96.037788 are
5 1 20 1 1 4 690 1908 131 41 96.144020 imposed
5 1 20 1 1 5 841 1917 40 23 96.823547 on
4 1 20 1 2 0 400 1955 492 40 -1
5 1 20 1 2 1 400 1955 171 31 68.454002 association
5 1 20 1 2 2 583 1965 32 23 96.679558 or
5 1 20 1 2 3 625 1956 110 32 93.303062 similar
5 1 20 1 2 4 746 1956 146 39 91.273209 organizat
2 1 21 0 0 0 903 1910 1191 79 -1
3 1 21 1 0 0 903 1910 1191 79 -1
4 1 21 1 1 0 903 1910 1191 40 -1
5 1 21 1 1 1 903 1910 149 30 95.939957 Borrower
5 1 21 1 1 2 1074 1919 33 21 96.477074 or
5 1 21 1 1 3 1128 1910 48 31 96.477074 the
5 1 21 1 1 4 1196 1910 133 39 96.223297 Property
5 1 21 1 1 5 1351 1910 38 40 96.631958 by
5 1 21 1 1 6 1412 1919 16 22 96.668869 a
5 1 21 1 1 7 1451 1910 214 30 96.117584 condominium
5 1 21 1 1 8 1689 1911 180 36 96.235695 association,
5 1 21 1 1 9 1896 1911 198 30 91.390541 homeowners
4 1 21 1 2 0 904 1967 44 22 -1
5 1 21 1 2 1 904 1967 44 22 66.197723 on.
2 1 22 0 0 0 400 2003 1693 43 -1
3 1 22 1 0 0 400 2003 1693 43 -1
4 1 22 1 1 0 400 2003 1693 43 -1
5 1 22 1 1 1 400 2003 55 39 70.796486 (K)
5 1 22 1 1 2 475 2003 185 31 92.400383 “Electronic
5 1 22 1 1 3 679 2003 103 31 96.611420 Funds
5 1 22 1 1 4 799 2003 166 33 0.000000 Transfer
means any transfer of finds, other than a transaction originated by
check, draft, or similar paper
instrument, computer, or magn
or oredit an account, Such ter
machine transactions, transfer
transfers.
(L) Escrow
5 1 23 2 1 3 612 2285 113 30 95.612648 Items means tho
(M) Miscellaneous
5 1 23 2 2 3 738 2331 156 33 0.000000 Proceeds‘
4 1 23 2 3 0 400 2378 495 42 -1
5 1 23 2 3 1 400 2379 40 41 96.498466 by
5 1 23 2 3 2 453 2388 55 30 96.931992 any
5 1 23 2 3 3 521 2379 73 32 96.985008 third
5 1 23 2 3 4 607 2385 82 33 96.966782 party
5 1 23 2 3 5 703 2378 94 40 96.830978 (other
5 1 23 2 3 6 810 2379 66 33 93.275505 than
5 1 23 2 3 7 889 2390 6 22 83.568123 j
4 1 23 2 4 0 400 2426 479 39 -1
5 1 23 2 4 1 400 2427 121 38 96.914955 damage
5 1 23 2 4 2 537 2432 38 30 96.796051 to,
5 1 23 2 4 3 597 2435 33 22 96.675339 or
5 1 23 2 4 4 646 2426 173 31 96.766014 destruction
5 1 23 2 4 5 839 2427 40 36 96.629372 of,
4 1 23 2 5 0 400 2472 488 39 -1
5 1 23 2 5 1 400 2474 145 37 95.121071 Property;
5 1 23 2 5 2 564 2472 57 39 79.292847 (iii)
5 1 23 2 5 3 636 2483 183 28 96.539787 conveyance
5 1 23 2 5 4 834 2474 30 30 92.302635 in
5 1 23 2 5 5 879 2475 9 30 84.781075 ]
4 1 23 2 6 0 400 2519 491 33 -1
5 1 23 2 6 1 400 2520 85 30 72.257339 value
5 1 23 2 6 2 495 2519 102 33 96.938065 and/or
5 1 23 2 6 3 607 2520 148 32 96.679985 condition
5 1 23 2 6 4 768 2520 36 32 96.864853 of
5 1 23 2 6 5 810 2520 48 32 93.283348 the
5 1 23 2 6 6 870 2522 21 30 92.998734 P
2 1 24 0 0 0 897 2051 1197 181 -1
3 1 24 1 0 0 897 2051 1197 181 -1
4 1 24 1 1 0 909 2051 1185 42 -1
5 1 24 1 1 1 909 2052 174 38 96.132126 instrument,
5 1 24 1 1 2 1105 2052 94 32 95.450577 which
5 1 24 1 1 3 1218 2052 26 30 95.081535 is
5 1 24 1 1 4 1262 2051 126 33 95.081535 initiated
5 1 24 1 1 5 1407 2052 120 39 96.268272 through
5 1 24 1 1 6 1547 2063 34 22 96.385475 an
5 1 24 1 1 7 1599 2054 153 31 95.730553 electronic
5 1 24 1 1 8 1773 2052 137 39 96.421844 terminal,
5 1 24 1 1 9 1934 2054 160 39 96.361595 telephonic
4 1 24 1 2 0 897 2099 1196 40 -1
5 1 24 1 2 1 897 2099 53 31 96.075645 etic
5 1 24 1 2 2 964 2103 63 36 89.484718 tape
5 1 24 1 2 3 1039 2109 34 21 96.654869 so
5 1 24 1 2 4 1086 2109 32 21 96.586395 as
5 1 24 1 2 5 1130 2103 28 29 96.586395 to
5 1 24 1 2 6 1171 2099 92 36 96.692642 order,
5 1 24 1 2 7 1281 2099 125 37 93.812477 instruct,
5 1 24 1 2 8 1422 2108 33 22 96.802299 or
5 1 24 1 2 9 1467 2100 144 32 96.636589 authorize
5 1 24 1 2 10 1625 2109 18 23 96.824478 a
5 1 24 1 2 11 1656 2100 135 33 95.791946 financial
5 1 24 1 2 12 1802 2102 157 30 96.846336 institution
5 1 24 1 2 13 1973 2105 28 27 96.959061 to
5 1 24 1 2 14 2016 2100 77 32 96.433640 debit
4 1 24 1 3 0 897 2145 1197 42 -1
5 1 24 1 3 1 897 2155 24 23 88.171875 m
5 1 24 1 3 2 938 2147 138 36 95.483566 includes,
5 1 24 1 3 3 1096 2145 50 32 96.883911 but
5 1 24 1 3 4 1164 2148 23 29 96.816429 is
5 1 24 1 3 5 1204 2150 52 28 96.580101 not
5 1 24 1 3 6 1272 2145 108 33 96.933327 limited
5 1 24 1 3 7 1398 2151 38 33 95.415184 to,
5 1 24 1 3 8 1454 2147 201 40 95.874870 point-of-sale
5 1 24 1 3 9 1671 2148 143 36 96.910614 transfers,
5 1 24 1 3 10 1836 2147 161 31 96.856003 automated
5 1 24 1 3 11 2015 2147 79 31 94.770493 teller
4 1 24 1 4 0 900 2192 1194 40 -1
5 1 24 1 4 1 900 2202 12 21 53.551086 3
5 1 24 1 4 2 940 2193 125 32 95.548134 initiated
5 1 24 1 4 3 1090 2193 41 39 96.804871 by
5 1 24 1 4 4 1156 2192 158 39 96.183250 telephone,
5 1 24 1 4 5 1344 2193 69 32 96.256355 wire
5 1 24 1 4 6 1439 2193 142 36 83.910370 transfers,
5 1 24 1 4 7 1611 2195 56 30 95.786011 and
5 1 24 1 4 8 1694 2193 158 32 95.373291 automated
5 1 24 1 4 9 1878 2193 216 39 96.203873 clearinghouse
2 1 25 0 0 0 894 2285 1201 274 -1
3 1 25 1 0 0 894 2285 617 35 -1
4 1 25 1 1 0 894 2285 617 35 -1
5 1 25 1 1 1 894 2292 30 28 74.731186 be
5 1 25 1 1 2 936 2286 83 30 57.735386 items
5 1 25 1 1 3 1031 2285 58 31 96.899193 that
5 1 25 1 1 4 1098 2295 50 21 96.933701 are
5 1 25 1 1 5 1156 2285 148 31 96.703239 described
5 1 25 1 1 6 1317 2285 27 31 96.621445 in
5 1 25 1 1 7 1357 2285 113 33 96.665047 Section
5 1 25 1 1 8 1482 2286 29 32 70.732460 3,
3 1 25 2 0 0 899 2331 1196 228 -1
4 1 25 2 1 0 915 2331 1179 42 -1
5 1 25 2 1 1 915 2342 98 21 95.687088 means
5 1 25 2 1 2 1026 2342 54 30 96.713524 any
5 1 25 2 1 3 1094 2331 220 42 96.068748 compensation,
5 1 25 2 1 4 1332 2333 167 37 94.276329 settlement,
5 1 25 2 1 5 1517 2333 94 31 97.012245 award
5 1 25 2 1 6 1623 2333 37 30 96.922592 of
5 1 25 2 1 7 1670 2333 141 40 95.976746 damages,
5 1 25 2 1 8 1830 2342 33 22 96.862640 or
5 1 25 2 1 9 1875 2334 140 38 96.476730 proceeds
5 1 25 2 1 10 2027 2334 67 38 96.761223 paid
4 1 25 2 2 0 899 2379 1194 42 -1
5 1 25 2 2 1 899 2388 139 24 75.460419 insurance
5 1 25 2 2 2 1050 2381 135 39 96.589638 proceeds
5 1 25 2 2 3 1198 2379 68 39 96.487114 paid
5 1 25 2 2 4 1278 2381 87 31 96.668373 under
5 1 25 2 2 5 1378 2381 49 31 96.737144 the
5 1 25 2 2 6 1439 2390 153 30 96.683060 coverages
5 1 25 2 2 7 1605 2381 149 31 96.350716 described
5 1 25 2 2 8 1767 2382 30 30 96.735672 in
5 1 25 2 2 9 1812 2381 114 33 96.735672 Section
5 1 25 2 2 10 1940 2381 30 39 96.914597 5)
5 1 25 2 2 11 1986 2381 53 33 94.104568 for:
5 1 25 2 2 12 2058 2382 35 39 65.307243 (i)
4 1 25 2 3 0 901 2427 1193 41 -1
5 1 25 2 3 1 901 2429 46 30 93.768044 the
5 1 25 2 3 2 964 2427 145 39 96.540985 Property;
5 1 25 2 3 3 1130 2427 45 39 55.410763 (ii)
5 1 25 2 3 4 1192 2427 220 30 92.419487 condemnation
5 1 25 2 3 5 1430 2436 31 21 96.998077 or
5 1 25 2 3 6 1479 2427 80 32 96.996735 other
5 1 25 2 3 7 1575 2427 96 41 96.608177 taking
5 1 25 2 3 8 1691 2429 37 30 95.383759 of
5 1 25 2 3 9 1740 2429 38 30 94.940193 all
5 1 25 2 3 10 1794 2436 33 23 96.733932 or
5 1 25 2 3 11 1845 2436 56 32 96.476219 any
5 1 25 2 3 12 1917 2433 65 35 96.949371 part
5 1 25 2 3 13 1997 2429 37 28 96.541779 of
5 1 25 2 3 14 2048 2429 46 31 96.322227 the
4 1 25 2 4 0 900 2474 1195 39 -1
5 1 25 2 4 1 900 2483 35 21 76.879868 eu
5 1 25 2 4 2 949 2474 38 31 91.217697 of
5 1 25 2 4 3 996 2474 227 36 94.056732 condemnation;
5 1 25 2 4 4 1243 2483 32 21 96.927521 or
5 1 25 2 4 5 1291 2474 55 39 93.220093 (iv)
5 1 25 2 4 6 1360 2475 290 38 92.345924 misrepresentations
5 1 25 2 4 7 1665 2475 41 36 96.593727 of,
5 1 25 2 4 8 1725 2484 35 21 96.973007 or
5 1 25 2 4 9 1773 2475 155 30 95.967834 omissions
5 1 25 2 4 10 1943 2483 31 21 96.337036 as
5 1 25 2 4 11 1989 2480 38 30 96.337036 to,
5 1 25 2 4 12 2048 2475 47 30 96.332153 the
4 1 25 2 5 0 899 2526 114 33 -1
5 1 25 2 5 1 899 2526 114 33 46.717358 roperty.
2 1 26 0 0 0 401 2611 1695 16 -1
3 1 26 1 0 0 401 2611 1695 16 -1
4 1 26 1 1 0 401 2611 1695 16 -1
5 1 26 1 1 1 401 2611 1695 16 95.000000
2 1 27 0 0 0 397 2646 493 91 -1
3 1 27 1 0 0 397 2646 493 89 -1
4 1 27 1 1 0 402 2646 143 20 -1
5 1 27 1 1 1 402 2646 143 20 56.598709 1408475206
4 1 27 1 2 0 397 2663 493 74 -1
5 1 27 1 2 1 397 2663 46 74 10.414143 Cue
5 1 27 1 2 2 460 2669 63 46 4.536629 NA
5 1 27 1 2 3 525 2669 47 24 84.462784 Ingle
5 1 27 1 2 4 580 2669 146 25 18.138313 Family-Feanio
5 1 27 1 2 5 733 2669 131 21 13.585243 Mao/Freddie
5 1 27 1 2 6 873 2669 17 19 77.912003 Mt
4 1 27 1 3 0 399 2714 360 21 -1
5 1 27 1 3 1 399 2714 81 19 16.648159 Wotteta
5 1 27 1 3 2 491 2710 42 35 39.886433 Kiuw
5 1 27 1 3 3 543 2720 19 15 39.886433 ar
5 1 27 1 3 4 571 2715 92 20 68.219391 Financial
5 1 27 1 3 5 672 2715 87 20 95.585083 Services
2 1 28 0 0 0 899 2669 1015 43 -1
3 1 28 1 0 0 899 2669 1015 43 -1
4 1 28 1 1 0 899 2669 1015 43 -1
5 1 28 1 1 1 899 2675 18 15 82.756554 bo
5 1 28 1 1 2 925 2670 104 20 95.344025 UNIFORM
5 1 28 1 1 3 1039 2669 101 21 83.057869 INSTRUM
5 1 28 1 1 4 1146 2669 40 21 83.057869 ENT
5 1 28 1 1 5 1791 2669 51 21 42.689213 Form
5 1 28 1 1 6 1853 2670 61 42 55.932228 200%
2 1 29 0 0 0 893 1898 9 1290 -1
3 1 29 1 0 0 893 1898 9 1290 -1
4 1 29 1 1 0 893 1898 9 1290 -1
5 1 29 1 1 1 893 1898 9 1290 95.000000
2 1 30 0 0 0 2437 147 20 2003 -1
3 1 30 1 0 0 2437 147 20 2003 -1
4 1 30 1 1 0 2437 147 20 2003 -1
5 1 30 1 1 1 2437 147 20 2003 95.000000
20140517481
(N) Mortgage
5 1 6 1 1 3 661 487 182 31 83.965263 Insurance”
5 1 6 1 1 4 856 488 97 49 96.531052 means
5 1 6 1 1 5 969 487 146 32 96.258232 insurance
5 1 6 1 1 6 1128 486 158 41 96.068558 protecting
5 1 6 1 1 7 1299 486 111 33 94.024307 Lender
5 1 6 1 1 8 1423 486 113 40 96.908516 against
5 1 6 1 1 9 1548 486 47 32 96.951981 the
5 1 6 1 1 10 1608 492 191 35 96.576889 nonpayment
5 1 6 1 1 11 1814 486 40 38 96.983284 of,
5 1 6 1 1 12 1874 495 34 23 96.699219 or
5 1 6 1 1 13 1920 486 108 32 94.491608 default
5 1 6 1 1 14 2040 495 50 29 96.991440 on,
4 1 6 1 2 0 402 534 146 30 -1
5 1 6 1 2 1 402 534 47 30 96.526192 the
5 1 6 1 2 2 461 534 87 30 96.551331 Loan.
3 1 6 2 0 0 400 579 1696 87 -1
4 1 6 2 1 0 402 579 1694 42 -1
5 1 6 2 1 1 402 580 54 37 92.440193 (O)
5 1 6 2 1 2 472 580 151 31 88.228012 Periodic
Payment" means the regularly scheduled amount due for (i) principal and interest under the
Note, plus (ii) any amounts under Section 3 of this Security Instrument.
(P) RESPA means the ReallEstate Settlement Procedures Act (12 U.S.C. Section 2601 et seg.) and its
implementing regulation, Regulation X (12 C,F.R. Part 1024), as they might be amended from time to
time, or any additional or successor legislation or regulation that governs the same subject matter. As used
in this Security Instrument, “RESPA" refers to all requirements and restrictions that are imposed in regard
to a federally
5 1 6 3 5 4 648 864 105 30 96.658524 related
5 1 6 3 5 5 769 868 146 35 96.825996 mortgage
5 1 6 3 5 6 930 865 80 31 87.511436 loan even if the Loan does not qualify as a “federally related mortgage
loan" under RESPA,
(Q) Successor
5 1 6 4 1 3 661 960 32 30 96.513985 in
5 1 6 4 1 4 707 960 127 30 64.125862 Interest
5 1 6 4 1 5 849 959 33 31 96.855751 of
5 1 6 4 1 6 920 960 151 30 92.140602 Borrower means any party that has taken title to the Property, whether or
not that party has assumed Borrower's obligations under the Note and/or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures to Lender: (i) the tepayment of the Loan, and all renewals,
extensions and modifications! of the Note; and (ii) the performance of Borrower's covenants and
agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and
conveys to Trustee, in trust; with power of eale, the following described property located in
the
COUNTY of Maricopa ;
[Type of Recording Jurisdiction) [Name of Recording Jurisdiction}
SEE ATTACHED EXHIBIT FA" FOR LEGAL DESCRIPTION
Parcel ID Number: 211-44-088-B which currently has the address of
29103 N 6187 STREET [Street]
CAVE CREEK {City}, Arizona 85331 [Zip Code]
("Property Address"):
TOGETHER WITH all|the improvements now or hereafter erected on the property, and all
casements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and
additions shall also be covercil by this Security Instrument. All of the foregoing is referred to in this
Security Instrument as the “Property.”
140817§2' aoe te 10918039
ARIZONA- Famiy-Fannie MaciFreddie Mac UNIFORM INSTRUMENT Form 3003 4/01 81d2
VM AN 2) (ta04)
Woltecs Kivw er Financial Services vara €
|
20140517481
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has
the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances
of record. Borrower warrants: end will defend generally the title to the Property against all claims and
demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national usc and non-uniform
covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real
‘S. Borrower and Lender covenant and agree as follows:
1, Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.
Botrower shall pay when duejthe principal of, and interest on, the debt evidenced by the Note and any
prepayment charges and Iste charges due under the Note. Borrower shall also pay funds for Escrow Items
pursuant to Section 3, Payments due under the Note and this Security Instrument shall be made in U.S.
currency. However, if any chetk or other instrument received by Lender as payment under the Note or this
Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments
due under the Note and this Sccurity Instrument be made in one or more of the following forms, as
selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or
cashier's check, provided any|such check is drawn upon an institution whose deposits are insured by a
federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer.
Payments are deemed recvived by Lender when received at the location designated in the Note or at
such other location as may be designated by Lender in accordance with the notice provisions in Section 15,
Lender may return any paymeht or partial payment if the payment or partial payments are insufficient to
bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan
current, without waiver of any; rights hereunder or prejudice to its rights to refuse such payment or partial
payments in the future, but Lender is not obligated to apply such payments at the time such payments are
accepted, If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay
interest on unapplied funds. Lender may hold such wnapplied funds until Borrower makes payment to bring
the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply
such funds or retum them to Borrower. If not applied earlier, such finds will be applied to the outstanding
principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower
might have now or in the future against Lender shall relieve Borrower from making payments due under
the Note and this Security Instrument or performing the covenants and agreements secured by this Security
Instrument,
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all
payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest
due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments
shall be applied to each Periodic Payment in the order in which it became due, Any remaining amounts
shall be applied first to late charges, second to any other amounts due under this Security Instrument, and
then to reduce the princjpal balance of the Note.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a
sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and
the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received
from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be
paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or
more Periodic Payments, such may be spplied to any late charges due, Voluntary prepayments shall
preess
be applied first to any prepayment charges and ther as described in the Note.
4400175206 10915039
ARIZONA-Singte Farndy-Fancte taatFreddie Mac UNIFORM INSTRUMENT Form 3003 $/01 rev, 8/02
VMP @ VMPS ited}
Wolters Ktuwer Financdad Services Page 4 af 4
20140517481
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under
the Note sbail not extend or postpone the due date, or change the amount, of the Periodic Payments,
3. Fonds for Escrow Items. Borrower shal] pay to Lender on the day Periodic Payments are due
under the Note, until the Note is paid in full, a sum (the Funds) to provide for payment of amounts due
for: (a) taxes and assessments land other items which can attain priority over this Security Instrument as a
lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c)
premiums for any and ali ingurance required by Lender under Section 5; and (d) Mortgage Insurance
premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage
Insurance premiums in accordance with the provisions of Section 10, These items are called “Escrow
Items." At origination or at any time during the term of the Loan, Lender may require that Community
Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and
asacssmenta shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to
be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives
Borrower's obligation to pay; the Funds for any or all Escrow Items, Lender may waive Borrower's
obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be
in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts
due for any Escrow Items for Which payment of Funds has been waived by Lender and, if Lender requires,
shall furnish to Lender receipts evidencing such payment within such time period as Lender may require.
Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to
be a covenant and agreement contained in this Security Instrument, as the phrase covenant
5 1 5 2 18 15 1856 1393 55 31 96.166206 and
5 1 5 2 18 16 1923 1390 174 49 57.880283 agreement
is used in Scction 9, If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and
Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9
and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such
amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in
accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in
such amounts, that are then required under this Section 3.
Lender may, at any time, ‘collect and hold Funds in an amount (a) sufficient to permit Lender to apply
the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can
require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and
reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable
Law.
,
The Funds sball be held in an institution whose deposits are insured by a federal agency,
instrumentality, or entity (inch}ding Lender, if Leader is an institution whose deposits are so ingured) or in
any Federal Home Loan Bank.| Lender shall apply the Funds to pay the Escrow Items no later than the time
specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually
analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the
Funds and Applicable Law permits Lender to make euch a charge. Unless an agreement is made in writing
or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower
any interest or carnings on the Funds. Borrower and Lender can agree in writing, however, that interest
shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the
Funds as required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to
Borrower for the excess funds tin accordance with RESPA. If there is a shortage of Funds held in escrow,
as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to
Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12
1400175288 6 | 10915039
ARIZONA-Singls Famlly-Fannle Mesifreddie Mac UNIFORM INSTRUMENT Form 3063 1/01 (rev, 6/02
VP @ MPa) t303}
Wokers Kiswer Financial Services Pegu § of 1
20140517481
monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall
notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make
up the deficiency in accordancé with RESPA, but in no more than 12 monthly payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund
to Borrower any Funds held by Lender.
4, Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions
attributable to the Property which can attain priority over this Security Instrument, leasehold payments or
ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any, To
the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable
to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith
by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to
prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings
are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating
the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien
which can attain priority oe i Security Instrument, Lender may give Borrower a notice identifying the
lien, Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or
more of the actions set forth above in this Section 4.
Lender may require Bortower to pay a one-time charge for a real estate tax verification and/or
reporting service used by Lender in connection with this Loan.
5. Property Inswrance. Borrower shall keep the improvements now existing or hereafter erected on
the Property insured against loss by fire, hazards included within the term extended
5 1 5 6 2 14 1784 1533 168 39 92.669174 coverage, and any
other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance,
This insurance shall be maintgined in the amounts (including deductible levels) and for the periods that
Lender requires, What Lender irequires pursuant to the preceding sentences can change during the term of
the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's
right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may
require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone
determination, certification and tracking services; or (b) a one-time charge for flood zone determination
and certification services and subsequent charges each time remappings or similar changes occur which
reasonably might affect such determination or certification, Borrower shall also be responsible for the
payment of any fees imposed|by the Federal Emergency Management Agency in connection with the
review of any flood zone determination resulting from an objection hy Borrower.
If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance
coverage, at Lender's option and Borrower's expense, Lender is under no obligation to purchase any
particular type or amount of coverage, Therefore, such coverage shall cover Lender, but might or might
not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk,
hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower
acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of
insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall
become additional debt of Borrower secured by this Security Instrument, These amounts shall bear interest
at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from
Lender to Borrower requesting
—
1408275206 40815039
ARIZONA+Srgle Famby-Feanie MawFreddie Mao UHIFORM INSTRUMENT Form 3003 140 8/02
VMP ‘clfets ® Kluwer Financial Sary/ VAI PO{AZ) ty (1202
Page 6 of 1
20140517481
Ali insurance policies required by Lender and renewals of such policies shall be subject to Lender's
right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as
mortgagee and/or as an additional loss payee, Lender shall have the right to hold the policies and renewal
certificates. If Lender requires! Borrower shall promptly give to Lender all receipts of paid premiums and
renewal notices, If Borrower obtains any form of insurance coverage, not otherwise required by Lender,
for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and
shall name Lender as mortgagee and/or as an additional loss payee,
In the event of loss, Borrower shail give prompt notice to the insurance carrier and Lender. Lender
may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree
in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall
be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and
Lender's security is not lessened, During such repair and restoration period, Lender shall have the right to
hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the
work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken
promptly, Lender may disburse proceeds for the repairs and restoration in a single payment or in a series
of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law
requires interest to be paid on such insurance proceeds, Lender shail not be required to pay Borrower any
interest or earnings on such proceeds, Fees for public adjusters, or other third parties, retained by
Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If
the restoration or repair is not économically feasible or Lender’s security would be lessened, the insurance
proceeds shall be applied to the sums secured by this Security Instrument, whtther or not then due, with
the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in
Section 2.
If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance
claim and rejated matters. If B Drrower does not respond within 30 days to a notice from Lender that the
insurance carrier has offered tojsettle a claim, then Lender may negotiate and settle the claim, The 30-day
period will begin when the notice is given. In either event, or if Lender acquires the Property under
Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance
proceeds in an amount not to exceed the amounis unpaid under the Note or this Security Instrument, and
(b) any other of Borrower's rights (other than the right to any refund of uneamed premiums paid by
Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the
coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or
to pay amounts unpaid under the Note or this Security Instrument, whether or not then due.
6. Occupancy. Borrower) shall occupy, establish, and use the Property as Borrower's principal
residence within 60 days after the execution of this Security Instrument and shall continue to occupy the
Property as Borrower's principal residence for at least one yeur after the date of occupancy, unlesa Lender
otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating
circumstances exist which are beyond Borrower’ s control.
7, Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not
destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the
Property. Whether or not Borrgwer is residing in the Property, Borrower shall maintain the Property in
order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is
deternined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall
promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or
condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower
1406175296 10315039
CERORA-Tingle Famdy-Fannie MatiFreddie Me UNIFORM INSTRUMENT Form 3003 &10
Wolters Kluwer Fingncial Sarvicas VMPG roan 2) {189 i] 2
Pege? of f
20140517481
I
shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such
purposes. Lender may disbursd proceeds for the repairs and restoration in a single payment or in a series of
progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient
to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of
such repair or restoration.
Lender or its agent may) make reasonable entries upon and inspections of the Property, If it has
reasonable cause, Lender may tinspect the interior of the improvements on the Property. Lender shall give
Borrower notice at the time of br prior to such an interior inspection specifying such reasonable cause.
8. Borrower's Loan Application, Borrower shall be in default if, during the Loan application
process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's
knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender
(or failed to provide Lender with material information) in connection with the Loan, Material
representations include, but are not limited to, representations concerning Borrower's occupancy of the
Property as Borrower's principal residence.
9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If
(a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there
is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under
this Security Instrument (such & proceeding in bankruptcy, probate, for condemnation or forfeiture, for
enforcement of a lien which y attain priority over this Security Instrument or to enforce laws or
regulations), or (c) Borrower abandoned the Property, then Lender may do and pay for whatever is
reasonable or appropriate to protect Lender's interest in the Property and rights under this Security
Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing
the Property. Lender's actions |can include, but are not limited to: (a) paying any sums secured by a lien
which has priority over this ‘Security Instrument; (b) appearing in court; and (c) paying reasonable
attorneys’ fees to protect its interest in the Property and/or rights under this Security Instrument, including
its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to,
entering the Property to make tepairs, change locks, replace or board up doors and windowa, drain water
from pipes, eliminate building lor other code violations or dangerous conditions, and have utilities turned
on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not
under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all
actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower
secured by this Security Instrument. These amounts shal] bear interest at the Note rate from the date of
disbursement and shall be paydble, with such interest, upon notice from Lender to Borrower requesting
payment.
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the
lease. If Borrower acquires feejtitle to the Property, the leaschold and the fee title shal] not merge unless
Lender agrees to the merger in writing.
10. Mortgage Insurance. |If Lender required Mortgage Insurance as a condition of making the Loan,
Borrower shall pay the premiunis required to maintain the Mortgage Insurance in effect. If, for any reason,
the Mortgage Insurance by Lender ceases to be available from the mortgage insurer that
roverage required
previously provided such insurance and Borrower was required to make separately designated payments
toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain
coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially
equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate
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20140517481
mortgage insurer selected by, Lender. If substantially equivalent Mortgage Insurance coverage is not
available, Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when the insurance! coverage ceased to be in effect. Lender will sccept, use and retain these
payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be
non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be
required to pay Borrower any jinterest or earnings on such loss reserve. Lender can no longer require loss
reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires)
provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires
separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage
Insurance as a condition of making the Loan and Borrower was required to make separately designated
payments toward the premiunjs for Mortgage Insurance, Borrower shall pay the premiums required to
maintain Mostgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's
requirement for Mortgage ends in accordance with any written agreement between Borrower and
Lender providing for such rant ter ination or until termination is required by Applicable Law. Nothing in this
Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note,
Mortgoge Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it
may incur if Borrower docs not repay the Loan as agreed. Borrower is not a party to the Mortgage
Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may
enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements
are on terms and conditions that are satisfactory to the mortgage inaurer and the other party (or parties) to
these agrcements. These agreements may require the mortgage insurer to make payments using any source
of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage
Insurance premiums),
As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer,
any other entity, or avy affiliate of any of the foregoing, may receive (directly or indirectly) amounts that
derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in
exchange for sharing or modifying the mortgage insurer's risk, or reducing losses, If such agreement
provides that an affiliate of Lender takes a share of the insurer's risk in exchange for 8 share of the
premiums paid to the insurer, e arrangement is often termed captive
5 1 15 1 1 7 1524 1862 206 33 66.142540 reingurance. Further:
{a) Any such agreemen’ will not affect the amounts that Borrower has agreed to pay for
Mortgage Insurance, or any ather terms of the Loan. Such agreements will not increase the amount
Borrower will owe for Mortga ge Insurance, aud they will not entitle Borrower to any refund.
(b) Any such agreements will not affect the rights Borrower has - if any ~ with respect to the
Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights
may include the right te reteive certain disclosures, to request and obtain cancellation of the
Mortgage Insurance, to have e Mortgage Insurance terminated automatically, and/or to receive a
refund of any Mortgage Ins premiums that were unearned at the time of such cancellation’ or
termination. Cr"
11. Assignment of Misc slianeous Proceeds; Forfeiture, All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the Property is damaged, such Miscellancous Proceeds shall be applied to restoration or repair of
the Property, if the restoration or repair is economically feasible and Lender's security is not lessened,
During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds
until Lender has had an opportunity to inspect such Property to ensure the work has been completed to
1406178298 ; YOR(SO3D
ARZORA-Singlo Family Fansle MawFreddis Ma q UNIFORM IHSTRUMERT Form 3003 1/91 (rev, 6/02
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20140517481
Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the
repair and restoration in a single disbursement or in a series of progress payments as the work is
completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such
Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such
Miscellaneous Proceeds. If thejrestoration or repair is not economically feasible or Lender's security would
be lessened, the Miscellancoug Proceeds shall be applied to the sums secured by this Security Instrument,
whether or not then duc, with the excess, if any, paid to Borrower, Such Miscellaneous Proceeds shall be
applied in the order provided for in Section 2.
In the event of a total taking, destruction, or lose in valuc of the Property, the Miscellaneous
Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with
the excess, if any, paid to Borrower,
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is equal to or
greater than the amount of the sums secured by this Security Instrument immediately before the partial
taking, destruction, or loss in| value, unless Borrower and Lender otherwise agree in writing, the sums
secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds
multiplied by the following fraction: (a) the total amount of the sums secured immediately before the
partial taking, destruction, or loss in value divided by (b) the fair market value of the Property
immediately before the partial taking, destruction, or loss in value. Any balance shall be pald to Borrower.
Tn the event of a partial taking, destruction, or loge in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is less than the
amount of the sums secured immediately before the partial taking, destruction, or loas in value, unless
Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums
secured by this Security Instrument whether or not the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the
Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages,
Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized
to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the
sums secured by this Security Instrument, whether or not then due, Opposing
5 1 5 5 5 13 1646 1821 99 38 95.183884 Party means the third party
that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in
regard to Miscellaneaus Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in
Lender’s judgment, could resujt in forfeiture of the Property or other material impairment of Lender's
interest in the Property or this Security Instrument. Borrower can cure such a default and, if
Fighip under
acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be
dismissed with a ruling that, in| Lender's judgment, precludes forfeiture of the Property or other material
impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of
any award or claim for damages that are attributable to the impairment of Lender's interest in the Property
are hereby assigned and shall be. paid to Lender.
All Miscellaneous Pro that are not applied to restoration or repair of the Property shall be
applied in the order provided fot in Section 2,
4406475296 10948039
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20140517481
12, Borrower Not Released; Forbearance By Lender Not a Walver. Extension of the time for
payment or modification of amortization of the sums secured by this Security Instrument granted by Lender
to Borrower or any Successor jin Interest of Borrower shall not operate to release the liability of Borrower
or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against
any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify
amortization of the sums secured by this Security Instrument by reason of any demand made by the original
Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or
remedy including, without limitation, Lender's acceptance of payments from third persons, entities or
Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or
preclude the exercise of any right or remedy.
13. Joint and Several Liability; Co-signers; Successors aud Assigng Bound, Borrower covenants
and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who
co-signs this Security Instrument but does not execute the Note (a co-signer): (a) is co-signing this
Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the
terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security
Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or
make any accommodations with regard to the terms of this Security Instrument or the Note without the
co-signer's consent,
Subject to the of Section 18, any Successor in Interest of Borrower who assumes
Borrower's obligations Sunder under fh this Security Instrument in writing, and is approved by Lender, shall obtein
al] of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from
Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in
writing. The covenants and igrcements of this Security Instrument shall bind (except as provided in
Section 20} and benefit the successors and assigns of Lender.
14, Loan Charges. Lender may charge Borrower fees for services performed in connection with
Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this
Security Instrument, including, but not limited to, attorneys’ fees, property inspection and valuation fees,
in regard to any other fees, the. absence of express authority in this Security Instrument fo charge a specific
fee to Borrower shall not be construed as a prohibition on the charging of such fee, Lender may not charge
fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to ailaw which sets maximum loan charges, and that law is finally interpreted so
that the interest or other Joan charges collected or to be collected in connection with the Loan exceed the
permitted limite, then: (a) any|such loan charge shall be reduced by the amount necessary to reduce the
charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted
limits will be refunded to Borrower, Lender may choose to make this refund by reducing the principal
owed under the Note or by raking a direct payment to Borrower. If a refund reduces principal, the
reduction will be treated as a partial prepayment without any prepayment charge (whether or not a
prepayment charge is provided for under the Note), Borrower's acceptance of any such refund made by
direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out
of such overcharge.
15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument
must be in writing. Any noticejto Borrower in connection with this Security Instrument shall be deemed to
have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's
notice address if sent by other incans. Notice to any one Borrower shall constitute notice to all Borrowers
unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address
4406175296 10015039
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| 20140517481
unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly
notify Lender of Borrower's hange of address. If Lender specifies a procedure for reporting Borrower's
change of address, then Borrower shall only report a change of address through that specified procedure.
There may be only one designated notice address under this Security Instrument at any one time. Any
notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address
stated herein unless Lender has designated another address by notice to Borrower, Any notice in
connection with this Security Instrument shall not be deemed to have been given to Lender until actually
received by Lender. If any notice required by this Security Instrument is also required under Applicable
Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security
Instrument. t
16. Governing Law; Severability; Rules of Construction. This Security Instrument shalt be
governed by federal law and the Jaw of the jurisdiction in which the Property is located. All rights and
obligations contained in this /Security Instrument are subject to any requirements and limitations of
Applicable Law. Applicable aw might explicitly or implicitly allow the parties to agree by contract or it
might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In
the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable
Law, such conflict shall not affect other provisions of this Security Instrument or tho Note which can be
given effect without the conflicting provision.
As used in this Security| Instrument: (a) words of the masculine gender shall mean and include
corresponding neuter words or, words of the feminine gender; (b) words in the singular shall mean and
include the plural and vice verte; and (c) the word “may" gives sole discretion without any obligation to
take any action.
17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument,
18. Transfer of tho Pro or a Beneficial Interest in Borrower. As used in this Section 18,
“Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited
to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or
escrow agreement, the intent of;which is the transfer of title by Borrower at a future date to a purchaser.
Tf all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower
is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior
written consent, Lender may require immediate payment in full of all sums secured by this Sccurity
Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by
Applicable Law,
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall
provide a period of not less than 30 days from the date the notice ia given in accordance with Section 15
within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay
these sums prior to the expliation of this period, Lender may invoke any remedies permitted by this
Security Instrument without further notice or demand on Borrower,
19. Borrower's Right ta Reinstate After Acceleration. If Borrower meets certain conditions,
Borrower shall have the right to have enforcement of this Security Instrument discontinued at time
any
prior to the earliest of: (a) five ys before sale of the Property pursuant to any power of sale contained in
this Security Instrument; (b) nh other period as Applicable Law might specify for the termination of
Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those
conditions are that Borrower: ( pays Lender all aums which then would be due under this Security
Instrument and the Note as if no, acceleration hed occurred; (b) cures any default of any other covenants or
agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited
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20140517481
to, reasonable attorneys! fees! property inspection and valuation fees, and other fees incurred for the
purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d)
takes such action as Lender may reasonably require to assure that Lender's interest in the Property and
rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security
Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and
expenses in one or more of the following forms, as selected by Lender; (a) cash; (b) money order; (c)
certified check, bank check, rer’s check or cashier's check, provided any such check is drawn upon
an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic
Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby
shall remain fully effective as! if no acceleration had occurred, However, this right to reinstate shall not
apply in the case of acceleration under Section 18.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in
the Note (together with this Security Instrument) can be sold one or more times without prior notice to
Borrower. A sale might result in a change in the entity (known as the “Loan Servicer") that collects
Periodic Payments due wade the Note and this Security Instrument and performs other mortgage loan
servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be
one or more changes of the Loan Servicer unrelated to a sale of the Note, If there is a change of the Loan
Servicer, Borrower will be given written notice of the change which will state the name and address of the
new Loan Servicer, the address to which payments should be made and any other information RESPA
requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is
serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations
to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not
assumed by the Note purchaser}unless otherwise provided by the Note purchaser.
Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an
individual litigant or the member of a class) that arises from the other party's actions pursuant to this
Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by
reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such
notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the
other party hereto a reasonable period after the giving of such notice to take corrective action. If
Applicable Law provides a time period which must elapse before certain action can be taken, that time
period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and
opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to
Borrower pursuant to Section 18 shall be deemed to satisfy the notice and Opportunity to take corrective
action provisions of this Section 20.
21, Hazardous Substances. As used in this Section 21: (a) Hazardous
5 1 5 4 1 12 1725 2103 182 32 85.764175 Substances”
5 1 5 4 1 13 1932 2114 48 21 95.396896 are
5 1 5 4 1 14 2001 2105 83 31 68.594872 those
4 1 5 4 2 0 390 2138 1692 49 -1
5 1 5 4 2 1 390 2138 165 30 96.781891 substances
5 1 5 4 2 2 570 2138 114 30 96.255287 defined
5 1 5 4 2 3 699 2148 29 21 96.646042 as
5 1 5 4 2 4 744 2142 77 29 90.194435 toxic
5 1 5 4 2 5 835 2151 34 20 96.727303 or
5 1 5 4 2 6 964 2144 73 31 92.928551 dous
5 1 5 4 2 7 1051 2144 172 36 96.716568 substances,
5 1 5 4 2 8 1240 2145 164 38 96.180473 pollutants,
5 1 5 4 2 9 1424 2156 33 21 96.804855 or
5 1 5 4 2 10 1470 2151 102 27 96.670013 wastes
5 1 5 4 2 11 1586 2148 40 39 96.841637 by
5 1 5 4 2 12 1640 2150 229 31 96.895447 Environmental
5 1 5 4 2 13 1883 2151 70 30 96.570107 Law
5 1 5 4 2 14 1965 2153 56 28 95.421989 and
5 1 5 4 2 15 2036 2153 46 30 96.401253 the
4 1 5 4 3 0 391 2181 1691 56 -1
5 1 5 4 3 1 391 2181 149 41 96.213730 following
5 1 5 4 3 2 559 2186 170 31 87.690201 substances:
5 1 5 4 3 3 751 2189 130 36 86.014091 gasoline)
5 1 5 4 3 4 910 2189 145 39 13.462830 kerosene,
5 1 5 4 3 5 1077 2190 81 32 96.784256 other
5 1 5 4 3 6 1174 2190 164 32 96.322845 flammable
5 1 5 4 3 7 1354 2201 33 22 96.808266 or
5 1 5 4 3 8 1406 2193 75 30 96.529953 toxic
5 1 5 4 3 9 1497 2195 159 39 8.725157 petroleum
5 1 5 4 3 10 1673 2196 141 39 96.525101 products,
5 1 5 4 3 11 1836 2196 77 32 92.375313 toxic
5 1 5 4 3 12 1929 2198 153 39 96.637894 pesticides
4 1 5 4 4 0 390 2229 1688 54 -1
5 1 5 4 4 1 390 2229 54 33 96.888351 and
5 1 5 4 4 2 457 2231 169 39 96.861618 herbicides,
5 1 5 4 4 3 642 2234 116 31 96.393623 volatile
5 1 5 4 4 4 769 2235 137 36 92.044006 solvents,
5 1 5 4 4 5 922 2235 140 32 96.406807 materials
5 1 5 4 4 6 1074 2237 162 40 96.242661 containing
5 1 5 4 4 7 1249 2237 128 34 95.705971 asbestos
5 1 5 4 4 8 1389 2249 35 22 95.705971 or
5 1 5 4 4 9 1437 2238 222 44 95.970901 formaldehyde,
5 1 5 4 4 10 1677 2243 54 31 96.709648 and
5 1 5 4 4 11 1745 2243 169 33 95.885605 radioactive
5 1 5 4 4 12 1926 2246 152 37 83.588898 materials;
4 1 5 4 5 0 390 2277 1692 56 -1
5 1 5 4 5 1 390 2277 42 39 45.342731 (>)
5 1 5 4 5 2 445 2279 250 33 77.273560 Environmental
Law" meanb federal laws and laws of the jurisdiction where the Property is located that
relate to health, safety or envitonmenta! protection; (c) “Environmental Cleanup" includes any response
action, remedial action, or removal action, as defined in Environmental Law; and (d) an Environmental
4 1 5 4 8 0 387 2418 1691 53 -1
5 1 5 4 8 1 387 2418 171 33 83.081436 Condition”
5 1 5 4 8 2 583 2430 98 21 96.204155 means
5 1 5 4 8 3 705 2432 17 19 94.478706 a
5 1 5 4 8 4 743 2423 150 31 96.221512 condition
5 1 5 4 8 5 910 2426 57 30 95.938530 that
5 1 5 4 8 6 990 2435 53 21 95.938530 can
5 1 5 4 8 7 1065 2435 95 28 95.792946 cause,
5 1 5 4 8 8 1186 2427 160 32 96.961029 contribute
5 1 5 4 8 9 1368 2435 38 31 96.782295 to,
5 1 5 4 8 10 1434 2439 33 21 95.972031 or
5 1 5 4 8 11 1490 2430 151 32 95.972031 otherwise
5 1 5 4 8 12 1665 2432 104 39 93.087646 trigger
5 1 5 4 8 13 1791 2442 35 21 96.486900 an
5 1 5 4 8 14 1848 2433 230 33 96.259621 Environmental
4 1 5 4 9 0 387 2466 137 38 -1
5 1 5 4 9 1 387 2466 137 38 90.767052 Cleanup.
2 1 6 0 0 0 384 2604 1695 21 -1
3 1 6 1 0 0 384 2604 1695 21 -1
4 1 6 1 1 0 384 2604 1695 21 -1
5 1 6 1 1 1 384 2604 1695 21 95.000000
2 1 7 0 0 0 1974 2694 92 26 -1
3 1 7 1 0 0 1974 2694 92 26 -1
4 1 7 1 1 0 1974 2694 92 26 -1
5 1 7 1 1 1 1974 2694 11 23 76.617546 2)
5 1 7 1 1 2 2003 2696 63 24 76.967567 (1302
2 1 8 0 0 0 384 2648 1694 97 -1
3 1 8 1 0 0 384 2648 1694 97 -1
4 1 8 1 1 0 1959 2648 116 22 -1
5 1 8 1 1 1 1959 2648 116 22 67.926147 10095059
4 1 8 1 2 0 402 2655 1676 90 -1
5 1 8 1 2 1 402 2655 156 27 1.666145 AIZONA-Saigte
5 1 8 1 2 2 567 2658 144 26 21.653591 Famlly-Faanio
5 1 8 1 2 3 718 2660 130 21 20.485439 UeciFraddie
5 1 8 1 2 4 855 2661 47 21 83.090584 Mac
5 1 8 1 2 5 909 2661 102 23 7.843132 UHIFORM
5 1 8 1 2 6 1023 2663 147 24 53.458099 INSTRUMENT
5 1 8 1 2 7 1775 2666 55 35 94.509171 Form
5 1 8 1 2 8 1836 2668 49 53 44.690643 3008
5 1 8 1 2 9 1911 2672 39 45 42.461372 ee
5 1 8 1 2 10 1971 2678 37 15 42.560352 1,
5 1 8 1 2 11 2016 2669 62 76 37.453579 1303}
4 1 8 1 3 0 384 2703 1674 42 -1
5 1 8 1 3 1 384 2703 83 21 67.865715 Weitera
5 1 8 1 3 2 474 2703 75 21 41.420677 Khaw
5 1 8 1 3 3 531 2699 16 37 57.433052 ec
5 1 8 1 3 4 556 2705 91 22 39.839493 Financial
5 1 8 1 3 5 655 2705 88 24 62.294521 Services
5 1 8 1 3 6 1922 2718 52 27 68.441902 Page
5 1 8 1 3 7 1995 2721 12 18 0.000000 td
5 1 8 1 3 8 2018 2721 19 20 86.694099 of
5 1 8 1 3 9 2048 2721 10 20 35.784912 1
2 1 9 0 0 0 884 2449 14 751 -1
3 1 9 1 0 0 884 2449 14 751 -1
4 1 9 1 1 0 884 2449 14 751 -1
5 1 9 1 1 1 884 2449 14 751 95.000000
2 1 10 0 0 0 2430 885 28 2337 -1
3 1 10 1 0 0 2430 885 28 2337 -1
4 1 10 1 1 0 2430 885 28 2337 -1
5 1 10 1 1 1 2430 885 28 2337 95.000000
$408175296
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20140517481
Borrower shall not cause. or permit the presence, use, disposal, storage, or release of any Hazardous
Substances, or threaten to any Hazardous Substances, on or in the Property, Borrower shall not do,
pelepee
nor allow anyone else to do, ything affecting the Property (a) that is in violation of any Environmental
Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a
Hazardous Substance, creates a condition that adversely affects the value of the Property, The preceding
two sentences shall not apply to the presence, use, or storage on the Property of small quantities of
Hazardous Substances that ar¢ generally recognized to be appropriate to normal residential uses and to
maintenance of the Property (including, but not limited to, hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit
or other action by any governmental or regulatory agency or private party involving the Property and any
Hazardous Substance or Enyironmental Law of which Borrower has actual knowledge, (b)
any
Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of
release of any Hazardous Shee, and (c) any condition caused by the preaence, use or release of a
Hazardous Substance which a versely affects the value of the Property, If Borrower learns, or is notified
by any governmental or regulatory authority, or any private party, that any removal or other remediation
of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary
remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on
Lender for an Environmental Cleanup.
NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
22. Acceleration; Remedies, Lender shall give notice to Borrower prior to acceleration
following Borrower's breach pf any covenant or agreement in this Security Instrument (but not prior
to acceleration under Section 18 unless Applicable Law provides otherwise), The notice shall specify:
(a) the default; (b) the action|required to cure the default; (c) a date, not less than 30 days from the
date the notice is given to Borrower, by which the default must be cured; and (d) that fallure to cure
the default on or before the date specified in the notice may result in acceleration of the sums secured
by this Security Instrument and sale of the Property. The notice shall further inform Borrower of
the right to reinstate after| acceleration and the right to bring a court action ta assert the
non-existence of a default or any other defense of Borrower to acceleration and sale. If the default is
not cured on or before the date specified in the notice, Lender at its option may require immediate
payment in full of all sums secured by this Security Instrument without further demand and may
invoke the power of sale and apy other remedies permitted by Applicable Law. Lender shall be
entitled to collect all expenses jocurred in pursuing the remedies provided in this Section 22,
including, but not limited to, reasonable attorneys’ fees and costs of title evidence.
If Lender invokes the power of sale, Lender shall give written notice to Trustee of the
occurrence of an event of default and of Lender's election to cause the Property to be sold. Trustee
shall record a notice of sale injeach county in whick any part of the Property fs located and shall mail
copies of the notice as prescribed by Applicable Law to Borrower and to the other persons prescribed
by Applicable Law. After the time required by Applicable Law and after publication and posting of
the notice of sale, Trustee,| without demand on Borrower, shall sell the Property at public
auction to the highest bidder for cash at the time and place designated in the notice of sale, Trustee
may postpone sale of the Property by public announcement at the time and place of any previously
scheduled sale. Lender or its designee may purchase the Property at any sale,
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Trustee shall deliver to the purchaser Trustee's deed conveying the Property without any
covenant or warranty, expressed or implied. The recitals in the Trustee's deed shall be prima facte
evidence of the truth of the statements made therein. Trustee shall apply the proceeds of the sale in
the following order: (a) to all expenses of the sale, including, but not limited to, reasonable Trustee's
and attorneys’ fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the
person or persons legally entitled to it or to the county treasurer of the county in which the sale took
place.
23. Release. Upon payment of all sums secured by this Socurity Instrument, Lender shall release this
Security Instrument. Borrower shall pay any recordation costs, Lender may charge Borrower a fee for
releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the
charging of the fee is permitted under Applicable Law.
24. Substitute Trustee, Lender may, for any reason or cause, from time to time remove Trustee and
appoint @ successor trustee to any Trustee appointed hereunder. Without conveyance of the Property, the
successor trustee shall succeed to all the title, power and duties conferred upon Trustee herein and by
Applicable Law,
25. Time of Essence. Time is of the essence in each covenant of this Security Instrument.
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