Exhibit,Appendix: U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE, SUCCES v. MOORER, TANIA D. PAIGE, TANIA MOORER

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                                MIN: qn NOTE Loan Number an

OCTOBER 17, 2005 GLEN ALLEN VIRGINIA
Date] iCiy] [State]

71 ROOSEVELT AVE., STRATFORD, CONNECTICUT 06615
[Property Address]

1. BORROWER'S PROMISE TO PAY

Inreturn for a loan that Thave received, I promise to pay U.S. $ 149, 750.00 (this amount is
called "Principal”), plus interest, to the order of the Lender. The Lender is BRAVO CREDIT
CORPORATION, A CALIFORNIA CORPORATION - %
I will make all payments under this Note in the form of cash, check or money order.

Tunderstand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and
who is entitled fo receive payments under this Note is called the “Note Holder."

2. INTEREST

Interest will be charged on unpaid principal until the full amount of Principal has been paid. 1 will pay interest
at a yearly rate pf 7.175 %.

The interest rate required by this Section 2 is the rate ] will pay both before and after any default described in.
Section 6(B) ofthis Note.

3. PAYMENTS

(A) Time and Place of Payments

I will pay principal and interest by making a payment every month.

I will make my monthly payment on the 1st day of each month beginning on DECEMBER 1 >
2005. Iwi make these payments every month until [ have paid all of the principal and interest and any other
charges describyd below that I may owe under this Note. Each monthly payment will be applied as of its scheduled
due date and will be applied to interest before Principal. Jf, on NOVEMBER 1, 2035 “-, Istill owe
amounts under {his Note, I will pay those amounts in full on that date, which is called the "Maturity Date."

I will make my monthly payments at 1733 ALTON PARKWAY, IRVINE, CALIFORNIA

92606

or at a different place if required by the Note Holder.

(8) Aimdunt of Monthly Payments
My monttily payment will be in the amount of U.S. $ 1,013.96

4. BORROWER'S RIGHT TO PREPAY ** See attached Prepayment Note Addendum.
lright to make payments of Principal at any time before they are due. A payment of Principal only
is known as a “Prepayment.” When I make a Prepayment, [ will tell the Note Holder in writing that I am doing so.
I may not desighate a payment as a Prepayment if I have not made all the monthly payments due under the Note.

a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder
will use my Prepayments to reduce the amount of Principal that 1 owe under this Note. However, the Note Holder
may apply my [Prepayment to the accrued and unpaid inicrest on the Prepayment amount, before applying my
Prepayment to teduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in
the due date or fin the amount of my monthly payment unless the Note Holder agrees in writing to those changes.

5. LOAN CHARGES

Ifa law, which applies to this loan and which sets maximam loan charges, is finally interpreted so that the
jnterest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits,
then: (a) any such loan charge shall be reduced by the amount necessary to teduce the charge to the permitted limit;

EB
MULTISTATE FIXED RATE NOTE--Single Family Dochilagic Rams 800-548-1562 b
Fannie Mae/Fred#ie Mac UNIFORM INSTRUMENT www.docmagic.com i
Form 3200 1/0 Page 1 of 3

EXHIBIT A

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and (b) any sumns already collected from me which exceeded permitted limits will be refunded to me. The Note
Holder may chopse to make this refund by reducing the Principal Lowe under this Note or by making a direct payment
to me. Ifa refund reduces Principal, the reduction will be treated as a partial Prepayment.

- 6. BORROWER'S FAILURE TO PAY AS REQUIRED

(A) Late Charge for Overdue Payments
If the Note Holder has not received the full amount of any monthly payment by the endof 15
calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be
5 000 % of my overdue payment of principal and interest. J will pay this fate charge promptly but only

once on each late payment.

B) Defdult

Tf 1 do nol pay the full amount of each monthly payment on the date itis due, T will be in default,

{C) Notive of Default

If I am injdefault, the Note Holder may send me a written notice telling me that if I do not pay the overdue
amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which bas
not been paid and all the interest that I owe on that amount. ‘That date naust be at least 30 days after the date on which
the notice is mailed to me or delivered by other means.

(D) ‘No Waiver By Note Holder .

Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as
described abovg, the Note Holder will still have the right to do so jf Lam in default at a later time.
ment of Note Holder's Costs and Expenses
Holder has required me to pay immediately in full as described above, the Note Holder will have
the right to be daid back by me for all ofits costs and expenses in enforcing this Nate to the extent not prohibited by
applicable Jaw. Those expenses include, for example, reasonable attorneys’ fees.

7. GIVING |OF NOTICES
Unless applicable law requires a different method, any notice that must be given to me under this Note will be
given by deliveting it or by mailing it by first class snail to me at the Property Address above or ata different address
fe Holder a notice of my different address.
Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing
ail to the Note Holder at the address stated in Section 3(A) above or at a different address iflan
given a notice of that different address. .

8. OBLIGATIONS OF PERSONS UNDER THIS NOTE

Tf more than one person signs this Note, each person is fully and personally obligated to keep all of the promises
made in this Note, including the promise to pay the full amount owed. Any person who is a guaravtor, surety ot
ig Note is also obligated to do these things. Any person who takes over these obligations, including
the obligations bf a guarantor, sutety or endorser of this Note, is also obligated to keep all of the promises made in
this Note. The|Note Holder may enforce its rights under this Note against each person individually ot against all of
is means that any one of us may be required to pay all of the amounts owed under this Note.

RS

T and any] other person who has obligations under this Note waive the rights of Presentment and Notice of
Dishonor. "Prfsentment means the right to require the Note Holder to demand payment of amounts due. "Notice
of Dishonor” the right to requixe the Note Holder to give notice to other persons that amounts dne have not

been paid.

10. UNIFORM SECURED NOTE

This Note is a uniform instrament with limited variations in some jurisdictions. In addition to the protections
given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Tnstrament”),
dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep

MULTISTATE FIXED BATE NOTE Single Family Dochtagie ‘Boo b4s- 1862
Fannie Mao/Fradjlie Mac UNIFORM INSTRUMENT www.decmagic.com
Form 3200 1/0 Paga 2 of 3the promises which I make in this Note. That Security Instrument describes how and under what conditions I may
‘be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are
described as follows:

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
i onsent, Lender may require immediate payment in full of afl sums secured by this Security
ent. However, this option shall not be exercised by Lender if such exercise is prohibited by
Law.

énder 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 is given in accordance with Section 15
within which Borrower must pay all sums secured by this Security Instrument. If Borcower fails to pay
these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this
nstrument without further notice or demand on Borrower.

WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
c
x“ Z] eal (Seal)
"ANTA D BAYER MOORER -Borrower TANIA D PAIGE MOORER Borrower
(Seal) (Seal)
-Borrower -Borrower
i (Seal) (Seal)
-Borrowet -Borrower
[Sign Original Only}
MULTISTATE FIXED RATE NOTE-Single Family DocMagic Grams 200-549-1362 E
Fannie Mae/Freddia Mac UNIFORM INSTRUMENT www. doomagic.com
Form 3200 1/01 Page 3 of 3
|
“e003. fa :PREPAYMENT ADDENDUM TO NOTE

Ln Xn

Date: OCTOBER 17, 2005
Borrower(s): [TANIA D PAIGE MOORER, TANIA D PAIGE MOORBR

FOR VALUE RECEIVED, the undersigned ("Borrower") agree(s) that the following provisions shall be
incorporated and shall be deemed to amend and supplement the Note of even date. To the extent that
the provisions of this Prepayment Addendum To Note (the “Addendum”) are inconsistent with the provisions
of the Note, provisions of the Addendum shall prevail over and shall supersede any such inconsistent
provisions ofithe Note. ~

Section 4 of the Note is amended to read in its entirety as follows:

"4 . BORROWER’S RIGHT TO PREPAY
Ihave the sight to make payments of Principal at any time before they are due. A
de te only is known as a "Prepayment." When I make a Prepayment, I will

3g

Note Holder in writing that I am doing so. I may not designate a payment as a
it if | have not made all the monthly payments due under the Note.

The Note Holder will use my Prepayments to reduce the amount of Principal that

T owe under the Noté. However, the Note Holder may apply my Prepayment to the accrued

z

and id interest on the Prepayment amount, before applying my Prepayment to reduce
the Phincipal amount of the Note. If I make a partial Prepayment, there willbe no changes
in the due dates of my monthly payment unless the Note Holder agrees in writing to those

If the Note provides for changes in the interest rate, my partial Prepayment may
the amount of my monthly payments after the first Change Date following my. partial

Prepa . However, any reduction due to my partial Prepayment may be offset by an
interest rate increase.
If within THIRTY SIX (36 ) months from the date of execution of the

ecurfty Instrsnent I make a full or partial Prepayment, and the total of such Prepayments
in 12-month period exceeds TWENTY PERCENT
( 20 %) of the original Principal amount of the loan, I will pay a Prepayment

chargé in an amount equal to SIX (6 ) months’ advance
i on the amount by which the total of my Prepayments within that 12-month period
exceeds TWENTY PERCENT ( 20 %) of the
original Principal amount of the loan."
WHEREOR, the Borrower has executed this Addendum on the day of
* Db
Borrower GE MOORER Date Borrower TANIA D PAIGE MOORER Date
Borrower Date Borrower Date
Borrower Date Borrower Date

MULTISTATE PREPAYMENT ADDENDUM TO NOTE VOL

Docemcat Systents, Tes] (B00) 649-1362

‘Uspatn ghtALLONGE TO NOTE

Loan 7
Note Date: 10-17-05 -

Borrowet Name: TANIA D. PAIGE MOORER

Borrowet Address: 71 ROOSEVELT AVE., STRATFORD, CONNECTICUT
4 06615

Loan Amount: $149,750.00

PAY TO/THE ORDER OF
Encore Credit Corp., A California Corporation
WITHOUT RECOURSE ,

BRAVO CREDIT CORPORATION,
A CALIFORNIA CORPORATION

4eo. e

Allonge to Promissory Note

Without|recourse pay to the order of:

ae

Title: SR. SHIPPING ANALYST

Company: Encore Credit Corp., A California Corporation

Borrower Name:

Borrower Address: 71 ROOSEVELT AVE.. STRATFORD, CONNECTICUT

Loan Amount:

10-17-05

TANIA_D. PAIGE MOORER

06615

$149,750.00mo e1 ub 38 os a) WL 27886 060

After Recording Return To: f
BRAVO CREDIT CORPORATION LAS
1733 ALTGN PARKWAY 18 eet

ofS 8

IRVINE, GALIFO Gtr 2
Loan Number =

id UGS

[Space Above This Line For Recording Data}

OPEN-END MORTGAGE DEED

DEFINITIONS

tiple sections of this document are defined below and other words are defined in Sections 3, 11,
‘1. Certain rules regarding the nsage of words used in this document are also provided in Section 16.

Words used in
13, 18, 20 and

ent" means this document, which is dated OCTOBER 17, 2005 , together
this document.
“is TANIA D PAIGE MOORER, A SINGLE WOMAN

(A) "Security
with all Riders
(B) "Borrow

Borrower is the mortgagor under this Security Instrument.

(© "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting
solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security
Instrument, RS is organized and existing under the laws of Delaware, and has an addtess and telephone number
of P.O. Box 2026, Flint, ME 48501-2026, tel. (888) 679-MERS.

@) "Lender" is BRAVO CREDIT CORPORATION

Lender isa CALIFORNIA CORPORATION organized
and existing under the laws of CALIFORNIA . .
Lender's addresk is 1733 ALTON PARKWAY, IRVINE, CALIFORNIA 92606

‘The Note states that Borrower owes Lender ONE HUNDRED FORTY-NINE THOUSAND SEVEN
HUNDRED FIFTY AND 00/100 Dollars (U.S. $149,750.00 ) plus interest.
Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than
NOVEMBER |1, 2035 :

) Property)" means the property that is described below under the heading “Transfer of Rights in the Property."
(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and Jate charges due under
the Note, and afl sums due under this Security Instrument, plus interest. .

©) "Note" sa the promissory note signed by Borrower and dated OCTOBER 17, 2005
tes

CONNECTICUT--gingle Family—Fannie Maa/Freddie Mac UNIFORM INSTRUMENT - MERS DocMagic Aeris 500-649-1362
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() "Riders" ineans all Riders to this Security Instrument that are executed by Borrower. The following Riders are
to be executed fry Borrower [check box as applicable]:

Adjustable Rate Rider [[] Condomininm Rider Second Home Rider
(7 Balloon Ridér [1] Planned Unit Development Rider {K] Other(s) [specify]
(C1 1-4 Family Rider (1 Biweekly Payment Rider PREPAYMENT RIDER TO SECURITY

@) "Applicable Law" means ali controlling applicable federaf, 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 Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges
that are imposed on Borrower or the Property by a condominium association, homeowners association or similar

(K) “Electronic Funds Transfer" means any transfer of funds, other thana transaction originated by check, draft,
instrument, which is initiated through an electronic terminal, telephonic instrament, computer, or
as to order, instrugt, or authorize a financial jnstitution to debit or credit an account. Such term
‘not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by
transfers, and automated clearinghouse transfers.
" means those items that are described in Section 3.
cous Proceeds" means any compensation, setlement, award of damages, ot proceeds paid by any

includes, but is
telephone, wire,

™ "
third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or
destruction of, the Property; (ii) condemnation or other taking of all oz any part of the Property; Gii) conveyance in
lieu of condemutation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property.

() "Mortgage Insurance means insurance protecting Lender against the nonpayment of, or default on, the Loan.
(O) “Periodic|Payment" means the regularly scheduled amount due for (i) principal and interest under the Note,
ints under Section 3 of this Security Instrument.

means the Reat Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing
regulation, Regulation X (24 C.F.R. Part 3500), 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 related mortgage loan"
even if the Loan does not qualify as a “federally related. mortgage Joan" under RESPA.

(Q "Successor in Interest of Borrower” means any party that has taken title to the Property, whether or not that
party has as Borrower's obligations under the Note and/or this Security Instrument.

TRANSFER OF RIGHTS IN THE PROPERTY

This Security Instrument secures to Lender: the repayment of the Loan, and all renewals, extensions and modifications
of the Note; and. Gi) the performeince of Borrower's covenants and agreements under this Security Instrument and the Note,
For this purpo: | Borrower in consideration. of this debt does hereby grant and convey to MERS (solely as nominee for
Lender and “ successors and assigns) and to the successors and assigns of MERS, the following described property
located in the COUNTY of FAIRFIELD +
[Type of Recording Jurisdiction) [Name of Recording Jusisdiction]

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SEE ATTAGHED LEGAL DESCRIPTION
A.P.N. #:| MAP 30 BLOCK 63 LOT 14

which currently has the address of 71 ROOSEVELT AVE.

[Street]
STRATFORD , Comnecticut 06615 ("Property Address"):
[ity] _ [dip Code]

TO HAVE AND TO HOLD this property unto MERS (solely as nominee for Lender and Lender's successors
and assigns) and to the successors and assigns of MERS, forever, together with all the improvements now or hereafter
erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All

including, but not imited to, releasing and canceling this Security Instrument.
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right

to mortgage, gfant and convey the Property and that the Property is unencumbered, except for encumbrances of
record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject
to any encumbances of record. .

THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform.covenants with

limited variations by jurisdiction to constitute a uniform security instrument covering real property.

4M COVENANTS. Borrower and Lender covenant and agree as follows:

1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall
pay when due the principal of, aud interest on, the debt evidenced by the Note and any prepayment charges and late
charges due untier the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due
under the Notd and this Security Instrument shall be made in U.S. currency. However, if any check 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 alf subsequent payments due under the Note and this Security Instrmment be made in
cone or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check,

k 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 received 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
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 dhe date, then Lender need not pay interest on unapplied funds. Lender inay hold such unapplied funds

CONNECTICUT Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS DocMagic Grams 800-649-1362
Form 3007 01/01 Page 3 of 13 www. docmagic.com

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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 return them to Borrower. If not applied earlier, such funds will be
applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim
which Borrowet 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

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 ofder 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 shali be applied first to late charges, second
to any other amounts due under this Security Instrument, and then to seduce the principal balance of the Note.
eceives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient
4ny late charge due, the payment may be applied to the delinquent payment and the late charge. If
iodic Payment is outstanding, Lender may apply any payment received from Borrower to the
sepayment 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 excess may
be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then
as described in the Note.

Any applitation of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note
shall not extend or postpone the due date, or change the amount, of the Periodic Payments.

3. Funds for Escrow Items. Borrower shall 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 and other items which can attain priority over chis Security Instrument as a lien or encumbrance on the
Property; (b) leasehold payments or ground renis on the Property, if any; (c) premiums for any and all insurance
Tequired by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower
to Lender in lie 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
assessments shall be an Escrow Item. Borrower stiall 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 of all Escrow Items.at any time. Any such waiver may only be in writing. Tn the event of such waiver,
Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items fox 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 and agreement” is used in Section 9. If Borrower is obligated to pay Escrow Ttems 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.

evoke the waiver as to any or all Escrow Items at any time by anotice given in accordance with Section
15 and, upon sich revocation, Borrower shall pay to Lendet 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 ied under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA.
rate the ainount 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.
shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or
entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan
Bank. Lender shall apply the Funds to pay the iscrow Items no later than the time specified under RESPA. Lender
shall not charg¢ Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying
the Escrow Iteths, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make

TONNECTICUT-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS — DocMagic @Ramums 200-649-1362
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such a charge. [Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds,
Lender shal! not be required to pay Borrower any interest or earnings 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 acco of the Funds as required by RESPA. .

IF there isa surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for
the excess finds in 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 monthly payments. If there is a deficiency of
Funds held in yw, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower
shall pay to the amount necessary to make up the deficiency in accordarice with RESPA, but in no more than
12 monthly payments.
ment in full of all sums secured by this Security Instrument, Lender shali promptly refund to Borrower
any Funds held| by Lender.

4. Charges; Liens. Borcower 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 Iteths, 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:
(@) agrees in wrfting to the payment of the obligatioti secured by the lien in. a manner acceptable to Lender, but only
so long as Borfower 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 io prevent the enforcement of the lien
while those proeedings 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 Hien which can attain priority over this 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.

reasonably might affect such determination or certification. Botrower shail also be responsible for the payment of
sad by the Federal Emergency Management Agency in connection with the review of any flood zone
determination résulting from an objection by Borrower.

If Borrowér 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
herefore, 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
6r lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage 80
obtained might dignificantly exceed the cost of insurance that Borrower could bave obtained. Any amounts disbursed.

by Lender undet this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These
amounts shall bear interest at the Note fate from the date of disbursement and shall be payable, with such interest,
upon notice from Lender to Borrower requesting payment.

All insurance policies required by Lender and.renewals of such policies shall be subject to Lender's right to
disapprove sach!policies, shall include a standard mortgage clause, and sball name Lender as mortgagee and/or as an.

ZONNECTICUT--Single Family—Fannie Mae/Freddia Mac UNIFORM INSTRUMENT - MERS — DocMagic @tRommus s00-649-1262
Form 3007 01/01 Page 5 of 13 www. decmagic.com

(18007 sez Stem(C3007 sed 6.tem,

yi 278 8PE 065

additional loss payee. Lender sball 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 is 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 eveht of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make
proof of loss ifj 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 oppt ity to inspect such Property to ensure the work has been completed to Lender's satisfaction,
provided that inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and
restoration in alsingle payment or in a series of progress payments as the work is completed. Unless an agreement
is made in iting or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be
required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties,
retained by wer shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower.
Tf the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds
shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, ifany, 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 anid settle any available insurance claim and
related matters| Lf Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has
offered to settle 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 amounts unpaid
under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund
of unearned 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 cy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence
within 60 days the execution of this Security Instrument and shall contimne to occupy the Property as Borrower's
inci; dance for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which
consent shall npt be unreasonably withheld, or unless extemnating circumstances exist which are beyond Borrower's

control.

7 tion, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, ©
damage or ir the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not
Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from
deteriorating of decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or
restoration is Hot economically feasible, Borrower shall promptly repair the Property if damaged to avoid further

deterioration ot damage. If insurance or condemmation proceeds are paid in connection with damage to, or the taking
of, the Proy , Borrower shall be responsible for repairing or restoring the Property only if Lender has released
proceeds fe purposes. 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. 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

its agent may make reasonable ‘entries upon and inspections of the Property. [fithas teasonable cause,
ect the interior of the improvements onthe Property. Lender shall give Borrower notice at the time

of or prior to an.interior inspection specifying such reasoxable 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

amaterially , misleading, or inaccurate information or statements to Lender (or failed to provide Lender with

CONNECTICUT-+Single Family—-Fannie Mae/Freddie Mac UNIFORM: INSTRUMENT - MERS: Docilagic CAamims 800-649-1362
Form 3007 01/04 Page 6 of 13 www. docmagic. comye 27HBPG 066

material information) in comection with the Loan. Material representations inchude, but are not limited to,
representations poncerning Borrower's occupancy of the Property as Borrower's principal residence.

9, . Protettion of Lender's Interest in the Property and Rights Under this Security Instrument. Tf @)
Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal
proceeding that migh significantly affect Lender'sinterest in the Property and/or rights under this Security Instrument ~
(such as a procdeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may

Any amounts disbursed by Lender under this Section 9 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 payment.

. If this Sed ity Instrument is on a leaschold, Borrower shall comply with all the provisions of the Tease. If
Borrower acquites fee title to the Property, the leasehold and the fee file shall not merge unless Lender agrees to the

10. Mortgage Insurance. If Lender required Mortgage Insurance asa condition of making the Loan, Borrower

. shall pay the pfemiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage
Insurance covera ge required by Lender ceases to be available from the mortgage jusurer that previously provided such
insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage

previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage
Tnsurance covetage is not available, Borrower shall continue to pay to Lender the amount of the separately designated

Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section
10 affects Borgower's obligation to pay interest at the rate. provided in the Note.

Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur
if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance.

Mortgage insurers evaluate theix total tisk on all such insurance in force from time to time, and may enter inte
agreements with other parties that share or modify their tisk, or reduce losses. These agreements are on terms and
conditions that are satisfactory to the mortgage insurer and the other party (or patties) to these agreements. These
agreements maly require the mortgage insurer to smake payments using any source of funds that the mortgage insurer
may have available (which may jnclude funds obtained from Mortgage Insurance premiums).

CONNEGTICUT+Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS DocMagic 2FRaMiS 200-649-1362
Form 3007 01/01 Page 7 of 13 www.docmagic.com

(C007 sme temcon mA 8 te

¥ 274BPG 067

of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other
affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might

ized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying

if the resto!
restoration p

Tnstrument, wl

rer's risk, or reducing losses. Tf such agreement provides that an affiliate of Lender takes a share
g risk in exchange for a share of the preminms paid to the insurer, the arrangement is often termed
ance." Further:
5 agreements will not affect the amounts that Borrower has agreed to pay for Mortgage
any other terms of the Loan. Such agreements will not increase the amount Borrower will owe
surance, and they will not entitle Borrower to any refund.
uch agreements will not affect the rights Borrower has - if any ~ with respect to the Mortgage
Ly the Homeowners Protection Act of 1998 or any other law. These rights may include the right
ain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the
ace terminated automatically, and/or to receive arefund of any Mortgage Insurance premiums
armed at the time of such cancellation or termination.

Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to

Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property,

dn or repair is economically feasible and Lender's security is not lessened. During such repair and
riod, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an

1 shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement
gress payments as the work is completed. Unless an agreement is made jn writing or Applicable

would be lessened, the Miscellaneous Proceeds shail be applied to the sums secured by this Security
ether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall.

be applied in the order provided for in Section 2.

Tn the &

ent of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be

applied to the § rae acenred by tis Security Instrument, whether or not then due, with the excess, if any, paid to
Borrower. .

In the even of a partal taking, desction, of loss in valne ofthe Property ia which the fair marke! valne Of
the Property imm ately before the partial taking, destruction, or lossin vale i equal coor greater than the amet
of the sums sepw i by this Security instrament immediately before the partial taking, destruction, oF Joss in ve

br and Lender otherwise agree in writing, the sums secored by this Security lnstroment shall be reduced

by the amountjof the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums

Property immedia

Tn the e

ately before the partial taking, destruction, ot Joss in value divided by (b) the fair market value of the
ely before the partial taking, destruction, or loss invalue. Any balance shall be paid to Borrower.
nt of a partial taking, destruction, or loss in. value of the Property in which the fair market value of

immediately before the partial taking, destruction, or loss in value is less than the amount of the sums

diately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise
the Miscellaneous Proceeds shall be applied to the sums secared by this Security Instrument whether

or not the sums are then due.

against whom!
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's

judgment, cou

snerty is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as
next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to
30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous
to restoration or repair of the Property or to the sums secured by this Security Instrument, whether
. “Opposing Pasty" means the third party that owes Borrower Miscellaneous Proceeds or the party
Borrower has a right of action in regard to Miscellaneous Proceeds.

lid result in forfeiture of the Property or other material impairment of Lender's interest in the Property

or rights under this Security Tnstrament. Borrower can cure such a default and, if acceleration has occurred, reinstate

CONNECTICUT

Form 3007 01/01

Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS DocMagic @Rssms 600-649-1382
4 www.docmagic.com

Page 8 of 13|
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i
i

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0007 aa 9-10

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as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's
judgment, prec] 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 Mis sus Proceeds that are not applied to restoration or repair of the Property shall be applied in the
order provided for in Section 2.

12. Borrdwer Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or
modification of amortization of the sums secured by this Security instrament granted by Lender to Borrower or any
Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest
of Borrower. shall not be required to commence proceedings against any Successor in Interest of Borrower
or to refuse w ee time for payment or otherwise modify amortization of the sums secured by this Security
Tostrument by 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 jncluding, without imitation, 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. Jointland Several Liability; Co-signers; Successors and Assigns 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 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 torms 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

to the provisions of Section 18, any Successor jn Interest of Borrower who assames Borrower's
obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights
and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability
under this Se tity Instrument unless Lender agrees to such release in writing. ‘The covenants and agreements 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

then: (a) any shch 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 making.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 nota prepayment charge is provided for under the Note). Borrower's acceptance of
4 made by direct payment to Borrower will constitute a waiver of any right of action Borrower might

15. Notives, All notices given by Borrower or Lender in conection with this Security Instrument must be in
writing. Any notice to 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 seut by other
means. Notice|to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires
otherwise. The notice address shail be the Property Address unless Borrower has designated a substitute notice
address by notice to Lender.- Borrower shall prompily notify Lender of Borrower's change 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 maailing it by first class mail to Lender's

CONNECTICUT {Single Family-Fannie Mae/freddie Mac UNIFORM INSTRUMENT - MERS DociMagic Grarnis 800-549-1362
Form 3007 01/01 Page 9 of 13 www.doemagic.comve 274 GRE 069

beein unless Lender has designated another address by notice to Borrower. Any notice in connection
Instrument shall not be deemed to have been given to Lender until actually received by Lender.
ired by this Security Instrument is also required under Applicable Law, the Applicable Law

explicitly ot 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

17. Borrower's Copy. Borrower shall be given one.copy of the Note and of this Security Instrument.

18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in
the Property”. seans any Jegal or beneficial interest in the Property, incinding, 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 2 purchaser.

If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a
nd a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent,
equire immediate payment in full of all sums secured by this Security Instrument. However, this option
shall not be exdrcised by Lender if such exercise is prohibited by Applicable Law