Motion,Ex Parte: US BANK NATIONAL ASSOCIATION V LOUIS, EDDY

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                                IN THE CIRCUIT COURT OF THE FIFTEENTH
JUDICIAL CIRCUIT IN AND FOR PALM BEACH
COUNTY, FLORIDA

U.S. BANK NATIONAL ASSOCIATION,
AS TRUSTEE FOR JPMACC 2006-CH2
J.P. MORGAN CHASE BANK, NATIONAL
ASSOCIATION,

Plaintiff,

CASE NO. 02008CA002796XXXXMBAW

v. CIVIL ACTION
EDDY LOUIS, ET. AL.

Defendant(s).
/

 

ey o™

Nw
MOTION FOR LEAVE TO FILE AN AMENDED COMPLAINT 2

 

COMES NOW, Plaintiff U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR
JPMACC 2006-CH2 IP. MORGAN CHASE BANK, NATIONAL ASSOCIATION (“U.S.
BANK’), by and through its undersigned counsel, hereby moves this Court for Leave to File
an Amended Complaint and in support state as follows:

1. Plaintiff filed its Complaint on January 31, 2008.

2. The Complaint must be amended to list as additional Defendants the HEIRS,
BENEFICIARIES, DEVISEES, SUCCESSORS OR ASSIGNS OF EDDY LOUIS,
DECEASED; GERDA LEWIS and the UNKNOWN SPOUSE OF GERDA LEWIS.

3. The matter has not been set for trial.

4, Defendants, nor any other party, will be prejudiced by an order granting
Plaintiff leave to file Plaintiffs Amended Complaint.

5. Plaintiff needs to file the attached proposed Amended Complaint so that there

can be a complete determination of the matter on the merits.CERTIFICATE OF SERVICE

| HEREBY CERTIFY that a true and correct copy of the above and foregoing was
|

mailed to: |
Emily Lang, Esq. :
Florida Default Law Group, P.L.
9119 Corporate Lake Drive

3 Floor i
Tampa, Florida 33634 |

MERS, as Nominee for Chase Home Finance LLC

clo Legal Department (MERS), R.A.

1595 Spring Hill Road, Suite 310

Vienna, VA 22182 |

Columbia Hospital (Palm Beaches) Limited Partnership by and Through

its General Partner Columbia Palm Beach GP, LLC d/b/a Columbia Hospital
clo CT Corporation System (FL), R.A.

1200 S. Pine Island Road

Plantation, Florida 33324

State of Florida

Phillip P. Quaschnick, Esq.
Office of the Attorney General
The Capitol, Asuite PL-01
Tallahassee, Florida 32399-1050

Palm Beach County

L. Denise Coffman, General Counsel
for Sharon R. Bock, Clerk & Comptroller
301 North Olive Avenue, 9" Floor

West Palm Beach, Florida 33401

Eddy Louis
812 Balfrey Drive South
West Palm Beach, Florida 33413

Tenant #1

Rebecca Charles

812 Balfrey Drive South

West Palm Beach, Florida 33413this | day of May, 2009.

GARY, DYTRYCH & RYAN, P.A.

Co-Counsel for Plaintiff US BANK NATIONAL
ASSOCIATION

701 U.S. Highway One, Suite 402

North Palm Beach, FL 33408

Telephone: (561) 844-3700

Facsimile: (561) 844-2388

By:
Peter M. Armold, Esq.
Florida Bar No. 660655

FADOCS\PMA\2292 ATIF\302 US Bank National Association (NLC Financial Services - Louis, Eddy)
(31641)\M4LEAVETOAMENDCOMPLAINT 4 30.wpdIN THE CIRCUIT COURT OF THE FIFTEENTH
JUDICIAL CIRCUIT IN AND FOR PALM BEACH
COUNTY, FLORIDA

U.S. BANK NATIONAL ASSOCIATION,
AS TRUSTEE FOR JPMACC 2006-CH2
J.P. MORGAN CHASE BANK,
NATIONAL ASSOCIATION,

Plaintiff, CASE NO. 02008CA002796XXXXMBAW

CIVIL ACTION

|
|
|
vs. i
1

EDDY LOUIS, ET. AL.

Defendant(s).
/

AMENDED MORTGAGE FORECLOSURE COMPLAINT

Plaintiff, U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR JPMACC
2006-CH2 J.P. MORGAN CHASE BANK, NATIONAL ASSOCIATION, sues
Defendants, EDDY LOUIS; ANY AND ALL UNKNOWN PARTIES CLAIMING BY,
THROUGH, UNDER, AND AGAINST THE HEREIN NAMED INDIVIDUAL
DEFENDANT(S) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER SAID
UNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES,
GRANTEES, OR OTHER CLAIMANTS; MORTGAGE ELECTRONIC REGISTRATION
SYSTEMS, INCORPORATED, AS NOMINEE FOR CHASE HOME FINANCE LLC;
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INCORPORATED, AS
NOMINEE FOR CHASE HOME FINANCE LLC; COLUMBIA HOSPITAL (PALM
BEACHES) LIMITED PARTNERSHIP BY AND THROUGH ITS GENERAL PARTNER
OF COLUMBIA PALM BEACH GP, LLC D/B/A COLUMBIA HOSPITAL; STATE OF
FLORIDA; PALM BEACH COUNTY; TENANT #1 N/K/A REBECCA CHARLES, HEIRS,
BENEFICIARIES, DEVISEES, SUCCESSORS OR ASSIGNS OF EDDY LOUIS,
DECEASED; GERDA LOUIS; UNKNOWN SPOUSE OF GERDA LOUIS, and alleges:COUNT | - REFORMATION - MORTGAGE
1. This is an action to reform a Mortgage, which has been recorded in the
Public Records of PALM BEACH County, Florida. This is an equitable action with no
adequate remedy at law. :
2. At all times material to this cause, EDDY LOUIS owned real property in
PALM BEACH County, Florida, described as follows:

LOT 24, BLOCK 1,,LAKE BELVEDERE ESTATES, ACCORDING TO
THE PLAT THEREOF, AS RECORDED IN PLAT BOOK 25, PAGE 237
OF THE PUBLIC RECORDS OF PALM BEACH COUNTY, FLORIDA.

I

This is evidenced by the true and correct copy of the Warranty Deed in the Official
Records Book 20154 at Page 112 attached hereto as Exhibit A.

3. On March 6,'2006, EDDY LOUIS executed and delivered to MORTGAGE
ELECTRONIC REGISTRATION SYSTEMS, INCORPORATED, AS NOMINEE FOR
FIRST NLC FINANCIAL SERVICES, LLC a Mortgage that was recorded on March 15,
2006 in Official Records Book 20056, Page 1543 of the Public Records of PALM
BEACH County, Florida. A true and correct copy of the Mortgage is attached hereto as
Exhibit B.

4. Inadvertently, and contrary to the clear intentions of the parties to the
Mortgage, a scrivener’s error resulted from mutual mistake. Consequently, the legal
description contained the following underlined and highlighted error:

LEGAL DESCRIPTION OMITTED
5. Based on these errors, the document does not accurately reflect the
intentions of the parties to the Mortgage.
6. Equity requires that the Court reform the legal description to conform with
the first legal description referenced in this Count.
7. The reformation sought will not prejudice any parties to this action.WHEREFORE, the Plaintiff requests that the Court reform the legal description
in the Mortgage to correct the scrivener’s error and to reflect the true intentions of the
parties. !

|
COUNT Il - MORTGAGE FORECLOSURE

8. This is an in tem action to foreclose a mortgage on real property located
and situated in PALM BEACH County, Florida.

9. The Florida Default Law Group, P.L. has complied with the notice
requirement of the Fair Debt Collection Practices Act, 15 U.S.C § 1601, as amended.
The Notice(s) previously mailed by the firm is attached hereto and incorporated herein
as Exhibit C. :

10. On March 6, 2006, there was executed and delivered a Promissory Note
(‘Mortgage Note”) and a Purchase Money Mortgage (“Mortgage”) securing the payment
of the Mortgage Note. The Mortgage was recorded on March 15, 2006, in Official
Records Book 20056, Page 1543, of the Public Records of PALM BEACH County,
Florida, (All subsequent recording references are to the public records of PALM BEACH
County, Florida) and mortgaged the real and personal property (“Property”) described
therein, then owned by and in possession of the Mortgagor(s). A copy of the original
Mortgage is attached hereto and incorporated herein as an Exhibit B.

11. Plaintiff is now the holder of the Mortgage Note and Mortgage.

12. The Property is now owned of record by Defendant(s), EDDY LOUIS AND
GERDA LOUIS.

13. | The Mortgage Note and Mortgage are in default. The required installment
payment of October 1, 2007, was not paid, and no subsequent payments have been
made. The Mortgage is contractually due for the October 1, 2007, payment. The last
payment received was applied to the September 1, 2007, installment, and no
subsequent payments have been applied to the loan.

14. Plaintiff declares the full amount payable under the Mortgage Note and

Mortgage to be now due.15. Plaintiff must be paid $183,855.90 in principal on the Mortgage Note and
Mortgage, together with interest from September 1, 2007, late charges, and all costs of
collection including title search expenses for ascertaining necessary parties to this
action and reasonable attorney's fees.

16. All conditions precedent to the acceleration of the Mortgage Note and
foreclosure of the Mortgage have been performed or have occurred.

17. Plaintiff has retained the law firm of Florida Default Law Group, P.L., in
this action and is obligated to pay it a reasonable fee for its services in bringing this
action as well as all costs of collection.

18. The interests of each Defendant are subject, subordinate, and inferior to
the right, title, interest, and lien of Plaintiffs Mortgage with the exception of any special
assessments that are superior pursuant to Florida Statutes § 159 (2006) and Florida
Statutes § 170.09 (2006).

19. THE HEIRS, BENEFICIARIES, DEVISEES, SUCCESSORS OR
ASSIGNS OF EDDY LOUIS, deceased, may have or claim an interest in the Property
that is the subject of this Foreclosure action by virtue of the death of EDDY LOUIS, or
may otherwise claim an interest in the Property.

20. MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,
INCORPORATED, AS NOMINEE FOR CHASE HOME FINANCE LLC may have or
claim an interest in the Property that is the subject of this Foreclosure action by virtue of
a Mortgage recorded in Official Records Book 20456, Page 548, or may otherwise
claim an interest in the Property.

21. MORTGAGE ELECTRONIC REGISTRATION SYSTEMS,
INCORPORATED, AS NOMINEE FOR CHASE HOME FINANCE LLC may have or
claim an interest in the Property that is the subject of this Foreclosure action by virtue of
a Mortgage recorded in Official Records Book 20490, Page 1718, or may otherwise
claim an interest in the Property.

22. © COLUMBIA HOSPITAL (PALM BEACHES) LIMITED PARTNERSHIP BY
AND THROUGH ITS GENERAL PARTNER OF COLUMBIA PALM BEACH GP, LLC
D/B/A COLUMBIA HOSPITAL may have or claim an interest in the Property that is thesubject of this Foreclosure action by virtue of a Final Summary Judgment recorded in
Official Records Book 17541, Page 1691, or may otherwise claim an interest in the
Property.

23. STATE OF FLORIDA may have or claim an interest in the Property that is
the subject of this Foreclosure action by virtue of an Order Assessing Additional
Charges, Costs and Fines and Entering Judgment recorded in Official Records Book
22007, Page 1775; an Order Assessing Additional Charges, Costs and Fines and
Entering Judgment recorded in Official Records Book 22014, Page 239, or may
otherwise claim an interest in the Property.

24. PALM BEACH COUNTY may have or claim an interest in the Property
that is the subject of this Foreclosure action by virtue of an Order Assessing Additional
Charges, Costs and Fines and Entering Judgment recorded in Official Records Book
22007, Page 1775; an Order Assessing Additional Charges, Costs and Fines and
Entering Judgment recorded in Official Records Book 22014, Page 239, or may
otherwise claim an interest in the Property.

25. TENANT #1, N/K/A REBECCA CHARLES by virtue of an unrecorded
lease or purchase option, by virtue of possession, or may otherwise claim an interest in
the Property.

26. GERDA LOUIS may claim an interest in the Property by virtue of a Deed
dated March 6, 2006 and recorded on March 15, 2006 in Official Records Book 20056,
Page 1542, of the Public Records of Palm Beach County, Florida, or may otherwise
claim an interest in the Property, but any such interest is inferior to that of Plaintiff in
that among other things Plaintiff is a bonafide purchaser for value without notice.

27. The UNKNOWN SPOUSE OF GERDA LOUIS may claim some interest in
the Property by homestead rights, possession, or any right of redemption or may
otherwise claim an interest in the Property; but any such interest is inferior to that of
Plaintiff.

WHEREFORE, Plaintiff requests that the Court ascertain the amount due
Plaintiff for principal and interest on the Mortgage Note and Mortgage and for late

charges, abstracting, taxes, expenses and costs, including attorney's fees, plus interestthereon; that if the sums due Plaintiff under the Mortgage Note and Mortgage are not
paid immediately, the Court foreclose the Mortgage and the Clerk of the Court sell the
‘Property securing the indebtedness to satisfy Plaintiffs mortgage lien in accordance
with the provisions of Florida Statutes § 45.031 (2006); that the rights, title and interest
of any Defendant, or any party claiming by, through, under or against any Defendant
named herein or hereafter made a Defendant be forever barred and foreclosed; that the
Court appoint a receiver of the Property and of the rents, issues, income and profits
thereof, or in the alternative, order sequestration of rents, issues, income and profits
pursuant to Florida Statutes § 697.07 (2006); and that the Court retain jurisdiction of
this action to make any and all further orders and judgments as may be necessary and
proper, including the issuance of a writ of possession and the entry of a deficiency
decree, when and if such deficiency decree shall appear proper, if borrower(s) has not

been discharged in bankruptcy.

CERTIFICATE OF SERVICE
| HEREBY CERTIFY that a true and correct copy of the above and foregoing

was mailed to:

Emily Lang, Esq.

Florida Default Law Group, P.L.
9119 Corporate Lake Drive

3" Floor

Tampa, Florida 33634

MERS, as Nominee for Chase Home Finance LLC
c/o Legal Department (MERS), R.A.

1595 Spring Hill Road, Suite 310

Vienna, VA 22182

Columbia Hospital (Palm Beaches) Limited Partnership by and Through

its General Partner Columbia Palm Beach GP, LLC d/b/a Columbia Hospital
c/o CT Corporation System (FL), R.A.

1200 S. Pine Island Road

Plantation, Florida 33324Palm Beach County

L. Denise Coffman, General Counsel
for Sharon R. Bock, Clerk & Comptroller
301 North Olive Avenue, 9" Floor

West Palm Beach, Florida 33401

Eddy Louis |

812 Balfrey Drive South

West Palm Beach, Florida 33413
Tenant #1 :
Rebecca Charles

812 Balfrey Drive South

West Palm Beach, Florida 33413

Hee
this day of May, 2009.

GARY, DYTRYCH & RYAN, P.A.
Co-Counsel for Plaintiff US BANK
NATIONAL ASSOCIATION
701 U.S. Highway One, Suite 402
North Palm Beach, FL 33408

2 (561) 844-3700
(561) 844-2388

 
   
   

Peter M. Armold, &6q.
Florida Bar No. 660655

F:\DOCS\PMA\2292 ATIF\302 US Bank National Association (NLC Financial Services - Louis, Eddy) (31641)Amended

Complaint. wpdCFN 20060198678

OR BK 20154 PG 0112
RECORDED 047@5/2006 11:01:52

Palm Beach County, Florida

Sharon B. Bock, CLERK & COMPTROLLER
Pg 0112; (tpg)

  

Parcel Idemifction No, 0042-43-3-06-001-0240
te te i ie Fer Reig Dan

Warranty Deed

ASTATUTORY FORM - SECTION 689.00, 75.)

‘This lodenture made tis 60 day of March, 2006 beracen Edity Louis, single person and Linotte Azor, a single
person whace post office address is 812 S. Ballrey Drive, Grecnncres, FL 33413 af the County of Palo Beach, Site of
‘Florida, gramor®, and Eddy Louis, a single person whose post office address is 812 S. Balfrey Drive, Greenacres, FL
33413 of the County of Pam Beach, State of Florida, grantee”.

‘Witnesseth, that s2i8 gramor, for end in consideration of the sum of TEN AND NO/100 DOLLARS ($10.00) and other
ood and valble considerations said grain in hand pid bys rae, the receipt werent is Nereby choot,
bas granted, bargained, and sold to the said grancee, and grantce’s heirs and assigns forever, the following described

situate, lying and being in Palm Beach County. Florida, to-wit:

‘Lot 24, Block 1, LAKE BELVEDERE ESTATES, according to the Plat thereof, es recorded tn Ptat
Book 25, Page 237 of the Public Records of Palm Beach County, Florida.

and said grantor does hereby fully warrant the ttle to said land, and will defend the same agains! lawful claims of all persons
whorasoever.

+ ormman” tnd “Grantee” we se ing orplaral senses aie,

In Witness Whereof, garcar has hercunto set grantor’s hand and seal the day and year first above writen.

Signed, sealed and delivered in ow,

aes shor tF {Seal)
beopk: 300 - W- 33d- 1

este ase
ThH#A2G0- 590- ¥2- 790-0

 

State of Florida
(County of Palm Beach

  
 

‘The foregoing instrument was acknowledged before me this 6th day
(Clare personally known ot [X] have produced a driver's ficense 15

(Nowy Seal

 

DoubleTine

Book20154/Page112 Page 1 of 1

EXHIBIT.PREPARED BY: CFN 20060152789
OR BK 20056 PG 1549

Nec George Natzon RECORDED 03/15/2006 11:07:46

_. FIRST NLC FINANCIAL SERVICES, LLC Pale Beach County, Florida
“i= 799 W HILLSBORO BLVD., BLDG. 1, STE 204 eee

DEERFIELD BEACH, FL $3641 Totang 371. 20

Sharon 2, Bock, CLERK & COMPTROLLER

Remmi | Pgo 1543 - 1557; (1Spgs)
FIRST NLC FINANCIAL SERVICES, LLC.
700 W. HILLSBORO BLVD. B-1 $204
DEERFIELD BEACH, FLORIDA 33441

 

(Space Abort Tae Une For Recording Duta}

MORTGAGE

MIN: 400195910001813537

DEFINITIONS

‘Words used in multiple sections of this document are defined below and other wards are defined in Seesions 3, 11, 13, 18,20
and 21. Cenain rules regarding the usage of wards used inthis document ae also provided in Sectinn 16.

(A) “Security Instromen!” means this document, which is dated March 06, 2008 together with all
Rider t this document.

(B) “Borrower"is EDDY LOUIS, AS A SINGLE MAN

Borrower is the mongagar wader this Security lnstrumem.

{C)_“MERS* is Mongage Elecuoaie Regisration Sysiems, inc. MERS is « separne corporation that is acting solely as
ominee for Lender and Lender's snecetsors ad assigns. MERS is the mortgagee under this Secarity Instrument. MERS
js organied and existing under the laws of Delaware, unt has en adress und telephone mumber of P.O. Box 2026, Fit Mi
48501-2006, te. (888) 679-MERS.

(@) “Leoderis FIRST NLC FINANCIAL SERVICES, LLC i
‘Lender is a LIMITED LIABILITY COMPANY ‘organized and existing unde?
the laws of THE STATE OF FLORIDA Lender's adress is
700 W. HILLSBORO BLVD. 8-1 8204, DEERFIELD BEACH, FLORIDA 33441

(E) “Note” means the promissory pote signed by Beaower and dated March 06, 2006 The Nowe

stairs that Borrower owes Lender One Hundred Elghty Five Thoueand Ste Hundred and no/t00
Dollars (US. $185,600.00 plus interest. Borrower has promised

to pay this debe in regular Periodic Paymenis and to pay the debt in full not Iter than April O1, 2036

(F) “Property” means the propenty that is described below under the heading “Transfer of Rights in the Property.”

FLORIDA Sage Faily Seale Muara Mae URIPOHM INSTRUMENT Ferm 010 0
reverent (reset peed omen eoenema SHIRE
él
Book20056/Page1543 Page 1 of 15

Bro.i
|
\
(©) “Loar? cass the ett evidenced by the Now, pos imerest any prepayment charges and late charges due under the

Note, ond all sums ne under this Securiry Instrument, pis interest

(2) cers? mcs ir tS Lune at eid by Barows, Th fbving Ries ui be
‘executed by Borrower [check box as applicable):

CX) Adjasuabte Rate Rider (_] Coodominiam Rider CD Second Home Rider
(C1 Balloon Rider (Planned Unit Developmen Rider (_] Otherts) {specify
D+F amity Rider D1 Biwecely Payment Rider

@) “Applicnble Law” means all controlling applicable federal, stale and local sumtes, regulations, erdinmces and
sedministrmve rfc and orders (thas have the clot of nw) a wel a al applicable nal, com-egpealable juz opinions

(“Community Association Dues, Fees, and Astesupenty” means oD docs, focs, assesunes and cher charges that are
laaposed on Borower ore Propeny by 2 coodomiaimn association, omcowacr association or smile organizaion.

(1) “Dectronle Punts Transfer” means say transfer of funds, other than 8 transaction originated by chock, draft, or

(L) “Escrow Items means those items thar are described in Section 3.

(0 “Miscettaneoas Proceeds” means any compensation, semdement. award of damages, or procends paid by any third
‘pany (other than insurance proceeds paid under the coverages described ia Section 5) for: i) damage ta, or destruction of. the
Property: (i) coudemmation or other taking of aller any par of the Propeny; (ii) couveyance in lice of condemmation: or
(Gv) misegrescotations of, or omissions as ta, the valve and/or condition of the Property.

(N) “Mortgage Insoranes” means insurance protecting Lender against the nompaymcat of, or default on, the Loan.

(Q) “Pertodie Payment” meam the regularly scheduled amoumt doc for (i) principal and interest under the Now, phus
(Gi) any arnounts under Section 3 of this Security Instrument.

(P) “RESPA” meass the Real Esine Senlement Procedures Act (12 U.S.C. $2601 et seq) and its implementing regulation,
Regulation X (24 C.FR Part 3500), as they ctight be amended from time to time, or any additioual or successor

or regulatioe that gover the same subject maGer. As used io this Secarty Instrument, “RESPA” refers to all requirements
‘and resrictions that sre imposed in regard to 1 “Tederally related morgage loan” even if che Loan does not qualify as a
“Yederally related mortgage loan” under RESPA.

(Q) “Soceessor in Interest of Borrower” means any party tht has aken ttle to the Property. whether or net chat parry has
assumed Borrower's obligations tinder the Note and/or this Security Instnament.

FLORION Sigh Fey Fence Manfredi Ma UNIFORM OSSTRUMENT Fare 200 tat
measeras pom (ope 212 pope) nomoe resem TRS
Et
Book20056/Page1544 Page 2 of 15‘TRANSFER OF RIGHTS IN THE PROPERTY

‘This Security Lnsrument secures to Lender: () the repaymear ofthe Loan, and afl reocwals, exicasions and modifications of
the Now; and (i) the performance of Borrower's covenanis and agreements under this Security Instrument and the Note. For
SE Te ee ee ee ae

fscccsen tnd sig) and the Reser and wisi of MERS, Ue allowing deexbod propery lc inte
county, PALM BEACH
) Peet eran} (a of Neer Pen]
‘SEE ATTACHED LEGAL DESCRIPTION
i
‘which curealy has the address of 812 BALFREY ORIVE SOUTH
WEST PALM BEACH + Florida ay (Property Adress"

‘TOGETHER WITH all the improvements now or hereafter rected on the propery, and all eaxrmeats, appurtenances,
nd fisuzes cow or hareafter & part of the propery. All repiscamenis and sdditions afall also be covered by this Security
Instrument. AD ofthe foregoing is refered wo in this Security Instrument ws the “Property.” Borrower understands and egress
that MERS holds only legal tie to he interests granted by Borrower in this Security Insrument, br, if aacessary to comply
‘with lw or custom, MERS (as nominee for Lender and Lender's successor and assigns) has the right to exercise axy or all
of cho iterene, including, bat not limited to, the eight to foreclose end sell the Property: and to take eny action required of
{Lender inclusfing, but oot Limited to, releasing and canceling this Security lastrumen.

BORROWER COVENANTS that Bosrower is lnwfully scisad of the esuue hereby conveyed and has the right 10
mortgage, grant end convey the Propery and thar the Property is upenaumbered, except for encumbrances of recard.
Borrower wacranws aod will defend generally the tie to the Propeny against all claims and demands, subject to exy
‘encumbrances of record.

‘THIS SECURITY INSTRUMENT combines iiform covenants for national use tnd soo-voiform covenanis with
limited vadations by jurtsictin to consti a uniform security insrumect covering rea] propery.

UNIFORM COVENANTS. Borrower and Lender coveoant and agree as follows:

1. “Payment of Principal, Interest, Eacrow liems, Prepayment Charges, and Late Charges. Borower thall ay
‘when doe the principal of, and interest on, the debt evidenced by the Note end any prepayment charges and late charges dae
Under the Nove. Borrower shal also pey funds for Escrow lis parsuaat wo Section 3, Paymeans doe under the Note ane dis
Security Instrmment shall be made in U.S. currency. However, if any check or other instrumeat received by Lender as
payment under the Note or this Secority Instrument is reorved w Leader unpaid, Lender may require that any of all
subsequent payments due under the Note and this Security Instrument be made in onc or mare of the following (arms. as
selec by Lender (a) cash: (b) monzy onder; (c) cenified check. bank check, teasuret’s check ar cashier's check, provided
‘ny such check is drawn apoa an instimtion whose deposits are insured by a federal agency, instrumentality, or extity: or
(©) Elecuonic Funds Transfer.

FLOmDA—SiageFamity—Fanade Maefradle Mac UNPORM INSTRUMENT ‘Ferm 3010 001

Arwscaseo ars (Pose Jef 12 popesd ote oe veosoeRO CSAS

fe

Book20056/Page1545 Page 3 of 15Payments are deemed received by Lender when recived atthe location designaind in the Note or et soch othr Yoation
1s may be designated by Lender in escardance with the actice provisions in Section 15. Lendcr may refura any payment or
‘arial payment if dhe payment or partial payments ar insufficient to bring the Loan cumrent. Lender may accept any payment
‘or pana) payment inuflicicot to bring the Loan carves, withoat waiver of any rights hereunder or prejudice wo is rights 1
refose soch payment or partial payments inthe fumoe, but Lender is oot obligated wo apply such paymcus at the time such
payments we ecoepted. If cach Periodic Payment is applied as ofits scheduled doe dine, then Lender need oot pay interest on
‘voapptiod fonds, Lender may hold soch unapplied funds unt) Borrower makes paymeat to bring the Loan cureat. If
Borrower docs dot do within areasoashle period of time, Lender shall either upply such fads ox return thems to Borrower.
Ue bot applicd cartier, such funds will be applicd to the oustanding principal balance under the Note immedilely prior 1
foreclosure. No offse or claim which Barrower might have now rin the furore against Lender shall reve Borrower fam
making prymom duc under the Note aod this Security Insrment ot performing the covenaam and agreements secured by
this Secaritylastumneat

2 Application of Payments or Proceeds. Excopt 1s otherwise described in this Section 2, all payments accepted
and applod by Leder chall be applied in the folowing ander of privity: (4) intrest dae mer the Note: () principal due
wader the Now; (c) amounts dae under Section 3. Such payments shall be applied to each Periodic Payment ia the order in
‘which it became doe. Any remaining amomis shal be applied fist > ine charges, second to any other amounts due under
this Security Inswunent, aad thea to reduce the principal balace ofthe Note.

If Lender receives a peyment from Borrower fora delinquent Periodic Payment which inchades a sufficiem amount 19
yt a cars de, payne my be aplicdo  eomast pynt hla. me a e Psdic

ymca is oustanding, Lender may apply eny payment received from Borrower io the repayment of the Periodic Payments

tnd em cach peyote pn fall To Gr ln tha any Cn cnet pay apd
the fall payment of ane ox more Periodic Payments, such excess may be appliod to any lae charges doe. Vohmary
‘repayments shall be applied firs to way prepaymeot charges and thea ws described inthe Note.

ati the Note is paid in full a sum (tbe “Funds") to provide for paymest of arzounts due for: (2) axes and assessments ard
ther items which can annin priority over this Security Insvumet as a lia or encumbrance oo the Property, (b) leasehold
eyes or roma et othe Proper. any (pentose any wd al nian oud by Lender ner Seton 3:
and (6) Mengage losurance premiums, if eny, or any sams payable by Borrower to Lender in lieu of the payment of
Mangage Insurance premiums in accordance with the provisions of Section 10, These iiems are called “Escrow liems.” AL
‘rigimation or a any time daring the term of the Loan, Lender may require that Community Association Ducs, Fecs, aad
‘Assessments, if any, be escrowed by Borrower, and soch dues, fers and assessments shell be an Escrow Item. Borrower shall
promptly furnish to Lender all eotics of emounts to be paid under this Section, Borrower shal) pay Lenser the Funds for
Escrow hems onless Leades waives Borrower's obligation to pay the Fands for any or all Escrow Uiems. Lender may waive
Borrowers obligation to pay to Lender Fumds for any or all Escrow hiems ai any time, Avy such waiver may oaly be in
‘writing. Io the even of such waiver, Borrower shal pay dzecty, when and where payable, the amount due for any Escrow
Items for which payment of Puods has been onived by Lender and, if Leader requires, shal furnish to Lender recipas
‘evideocing soch payment within such time period as Lender may require. Borrower's obligation to make such payments ans
to provide receipts shall forall purposes be deemed to be & covenant and agreement contained inthis Secuiry lnsrument, as
the phrase “covenant and agreement” is used in Section 9. If Borrower is obligated to pay Escrow Items directly, purmant 10
| waiver, and Borrower fails to pay the emouat duc for en Escrow fem, Leoder my excrcise is rights under Secico 9 and
pay such emouat ind Borrower shall then be obligated under Section 9 w repay to Lender any such amoum. Leader may
revoke the waiver 2s to aay or all Escrow Items at any time by a notice given in accordance with Section 15 and. vpan such
‘evocation. Borrower shall pay to Lender all Funds, and in such amonnts, that are then required under this Section 3.

‘Leader may, at any tine, collect and hold Funds in aa amount (a) sufficient to permit Lender wo apply the Funds ache

‘The Funds shall be held in an instinution whose deposits ar: insured by « fedem) ageacy, insrumeniaiy, of eotity
(including Lender, if Lender i an instinitiaa whose deposits are so insured) or in any Federal Home Loan Bank. Leader shall
Apply the Funds wo pay the Escrow hems po later than the time specified nnder RESPA. Lender shall not charge Borrower for

‘FLORIOA—Singl Fetly anole Maer Mar UNIFORM INSTRUMENT ‘Ferm 2010 101
ean NED {Page $66 12 popes) Wowce eosoem one eT
aL

Book20056/Page 1546 Page 4 of 15holding and spplying the Fonds, annually analyzing ihe escrow account, or verifying the Escrow Items, unless Lender pays
Borrower interest on the Fusds and Applicable Lew permits Lender to make such » ctarge. Unless an agreement is made io
‘writing or Applicable Law requires interes to be peid oo tbe Funds, Lender shall nt be required © pay Borrower any interest
co earnings op the Funds. Borowes and Lender can agree in writing, however, that intsrest sha be paid on the Funds,
Lender shall give to Borrower, withoat charge, an anual eccomnling of the Funds es required by RESPA,

Uf thre isa surpins of Funds held in enerow, as defined under RESPA. Lender shall sccomt to Borrower for the excess
funds in eceondance with RESPA. If there is a sharage of Punds beld in escrow, as defined ander RESPA, Lender shall
etify Borrower as required by RESPA, end Borrower tall pey to Lender the amount oeursrary to make up the shorage is
‘cordance with RESPA, bot io oo more tha 12 mouhly paymeus. Uf there is « deficiency of Funds beld in escrow, 1s
defined net RESPA, Lender shall ecify Borrower as required by RESPA tnd Borrower shall pay te Lender the asoxmt
necesszy © ak: op the deficiency in ecoordanee with RESPA, bm in no mare then 12 mouthly payments.

‘Upon paymest in fll of all sums secured by this Security Instrument, Lender shall promply refund to Borrower any
‘Fonds held by Lender.

4 Charges; Liens. Borrower shall pay all ues, assessmens, charges, fines, and imposivioes anribumble to the
Property which can amin privity over this Security Insmnanent, leaschold paymeots or ground rests oo the Property, if aay,
and Commamity Association Docs, Fecs, tnd Assessmneass if any. To the exicat that these items are Escrow Items, Borower
shall pay hem in che manner provided ip Section 3.

Borrower shall promplly discharge aay liea which has privity ove this Security Insimumeat unless Borrower: (8) agrees
in writing to the payment of the obligation secured by the liea in a manner accepble 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 Lica in,
legal proceedings which in Lender's opinion opemic to prevent the enforcement of the lien while those proceedings are
‘pending, but only unt such proceedings tre conchated: ar (¢) secures from the holder of the lien tn tgrecment satisfactory to
Lender rubordinating the Liea to this Security Insvument If Lender derermines thet any part of the Property is subject 0 &
lea which can atain priarty over this Security Instrument, Lender my give Borrower 8 notice ideatfying the lien. Within
10 days ofthe dae oo which that notice is given, Borrower shall satisfy the lia or take ooe or mare of the actions set for
above in this Section 4,

Lender may require Borrower io pay a one-time charge fora real esite ax verification andlor reponing service used by
Lender in connection with this Loan,

5. Property lnsurmce. Borrower shall toep the improvements oow existing or hereafter erecid on the Property
‘insured agains loss by foe, hazards inctuded within the tem “extended coverage.” and any other hazards including, bot ot
limited 1, emtbquskes and floods, for which Lender requires insurance, This insurance shall be mainttined in the amousts
Gactuding deductible levels) end for the periods that Lender requires. What Leoder requires pursuant to the preceding
sentrnces can change during the term of the Loan. The insurance carrir providing the insurance shall be chosza by Borrower
‘subject to Lender's right to disapprove Barrower's choice, which right shall oot be exercised unreasonably. Leader may
require Barower to pry, in connection with this Loan, either: () a one-time charge for flood zone deisrmination,
erin nd cking evens: 0) + onesie charg fr food se dein ead erieaon scr and
snisonet carps ech ns emappngs smi chages oc wich asombly might let sch deermisacs or

‘cnifiuion. Borrower shall abo be responsible fortis payimcat of my (oes imposed by the Federal Emergeacy Manageest
‘Ageocy in comection with the review of my flood zooe deveraination resuking from tn objectioo by Borrower.

Uf Borrower fails to mainmin any of the coverages described above, Lender may obtein insurance coverage, ut Lender's

‘option und Borrower's expense. Lender is under 00 obligation to purchase any particular type or emoust of coverage.

 

obesinad
Secs insroc: a Boro ou ve obi Any encanta bed by Len ender is Sacto $l tc
iol debt of Barrower socured by this Security Insrument. These amounts shall bear imerest at the Note rae from the
due of disvurzmest mod shal be payable, with such ntres, upon aotce from Lender to Borrower requesting paymeat.

‘All insurance policies regired by Lender and renewals of soch polices shall be subject to Lenders right to disappeowe
‘such polices, shall iochude # standard mongage clus, and shall name Lender as mongegee and/or es an adivonal loss
payee. Leader shall have the right to bold the polices and reurwal eerificars. If Lender requires, Borrower shal promptly
[ive wo Lender al receipts of paid premiums and reoewal noders. If Borrower cbutins any form of insurance coverage, Dt

FLORIDA Siege Fy— Fane Mac rede Mac UNGORM INSTRUMENT
ears oe (rege Sef pene)

 

Book20056/Page1547 Page 5 of 15otherwise request Leader, or damage 1, or destin of, the Prope, sach policy shall ache a stndard morynge
clause and shall mame Lender os maxrgagee anor ns an addtional loss payes.

a the event of ls, Borrower shal give prompt sotice t che insurance cartier and Lender; Leader may make proof of
toss if oot made promptly by Borrower. Unless Lender and Barrower otherwise agree in ariting, any insurance proceeds,
‘whether or oot the wodertying insurance was required by Leader, chill be applied to restaraion oF repair of the Property. if
be restraion or repair is covoumically feasible aad Lendes’s sccaity it not tessened, During soch repair and restoration
ea Ler sal ve to Sd ih rae et tl Lees ad wn oper pe Sch

Property to ensure the work has been completed to Landers satiation, provided that soch inspection chell be undertaken
rooply, Lak tay Gabe raced fr theron and etrton i+ sng paymeat on ssn of popes
Poymer ee wat wcomplicd Usiesan tgrecmen unde wig o Appucbic Law requtes wc to be aden

such insurance proceeds, Lends shall not be sequired to pay Bosrowes my interest or camings on such proceeds. Fees far
pablicadjustes. or other third parties, retsined by Borrower shall ot be paid out of the insuraace proceeds and shal be the
sole of the repair is oot ically fersible or Lender's security would be

 

 

the igsmpnce procends thal be applied w the sums secumed by this Security Instrument, whether ar not en de, with tbe
‘excess, if any, pid to Borrower. Such insurance procects shall be applied in the order provided far tn Section 2.

if Borrower ebandous the Propeny. Leader may file, o¢gotair and seats any availabte insurance chim and rehucd
smaners.[f Borrower does not respond within 30 days toa ootice from Lender that tbe insurance camer has offered to sete &
‘lai, thon Lender may oegoxste and seals he claim. The 30-day pesiod will begin when the onsice is given. lo cither event,
cor if Lender squires the Property under Section 22 or otherwise, Borrower hereby sssigns to Lender (a) Barower's rights to
‘any insurance procecds in an amount oot to exceed the amounts unpaid ander the Nove or this Security lnswmeat, and
(©) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) ander al
insurance policies covering the Property, insofar as such right re applicable tothe coverage ofthe Propery. Lender may ese
the insmrance proceeds citer to repair er restore the Property of t pay amounts unpaid under the Note or this Security
Aasrument, whether or ns then due.

6 Occupancy. Borrower shall occupy, establish, und vse the Property as Borrower's principal residence within 60
days afer the cxermion of this Security lasinument aod shall continue 19 occupy the Propeny as Borrower's principal

 

Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or
Scontog tn vbe dose fo cation Unlos ts dowtsned prman to Socio $ du hs orton ft

‘otios at the time of ar pics to

 

Borrower's Loan Application Borrower shall be in defmal if, daring the Loan application process, Borrower or
any persons or entities acting at the direction of Bomower or vich Borrower's knowledge oF cooseat gave materially false,
misleading, or inaccurate information or sisltments to Lender (or failed wo provide Lexcker with maicria] information) it

 

Borrower's principal res

9. Protection of Lender's Interest in the Property sod Rights Under this Security Lastrament. If (a) Barower
fails o perform the covenants and agreements contained in this Security Lastumeat,(b) there is egal proceeding that might
significantly affect Lender's interest in the Propery and/or rights under this Security fnstrument (such as 1 proceeding i
bankrupiry, probate, for coodermnation or foreinre, far enforcemeat of a lien which may attain priority over this Security
Jascrumcat orto caforce laws or regulatioan), or (c) Borrower has abandoved the Propery, thea Lender my do and pay for
‘whatever is reasonable ar sppropriaie to protect Lender's interest ia the Property and rights under this Scowrty Instrumeat,

 

LDBIDA Sing Festa Mae re Me UNIFORM OASTRUMENT Fong 3019 01
rocsraa pon ros 6 pene) Hoare espana eTie MT
4t

Book20056/Page1548 Page 6 of 151
i

inctoding protning and/or arseazing the valve of the Property, nd scaring and/or repairing the Propeny. Lender's actions
can inode, bot are oot Limited to: (x) paying say sums recured by 4 Len which has priority over this Security Instrument;
(©) appearing it come, and (¢) paying reesouable anomneys fers to protcr i imrest inthe Property wad rights under this
Sceuriy Insttment, incnding is secured pertioa in « bankruptcy proceeding. Securing the Propery incindes, but is sot
Had to, eating the Propet to sake repair, change lacs, eplae ar board up dears and windows, drtin wate from
pipes, cfimimad buikfing or other code violas or dangerons conditions, and have wulitics uuroed on or off. Aloxgh
Lender may uke action under this Section 9, Lender does not have to do so and is aot under any duty or obligation t do so,
Wis egrend tht Lender incurs oo Habiliy for not making ny ar ll wxioas mabarized under this Sextioo 9.

‘Any amounts dishuned by Lender uncer this Socio 9 shal become editions) debt of Borrower secured by this
Secarty lmsanuneat. These ements shall bear imrest a the Nove rar from the dar of disbursememt and shall be payable,
with socb inmertst, upan notice from Leader to Booower requesting payment.

Ir ths Sequriry Inswrument is oo # leaschold, Berrower shall comply with all the provisions of the lense. If Borrower
scquins fx tle wo the Proper, the kaschold and the foe cle sball not merge unless Leader agres to tbe merges in writing.

10. Mortgage Insurance If Lender required Morgnge Insurance a8 a condiion of making the Laaa, Borrower shall

 

premiums
sshsontly cual! ot cont Borver of be Mange Insane reves in ce. fom ao tee monange
insurer selected by Lender. If substantially equivalent Mongage lasormce coverage is not available, Borrower shall continue
1 pay to Lender the amount ofthe separately designated payments that were dve when ihe insurance coverage ceased tobe in
effect. Lender will eneps. tse and rein these payment 8s « pas-reftndable loss reserve in ica of Mongage Insurance. Such
Joss reserve shall be non-refundable, eorwithstanding the fat tht the Len is clicastely paid io full, ind Lender shall ot be
required to pay Borrower any intrest or ceruings oo such loss reserve, Lecder cam wo longer require los reserve paymeats if
Insurance coverage (ia the amount and for the period that Lender requires) provided by an insurer selected by
Leder spun becomes seb i based, and Lender rues wept designed payne towed the prem for
Mongage Lender required toa of making the Loun and Berrower oes °
make separaicly desi Payments toward the promi toe Mongage shall pay the
‘equ io malman Morgner fe or proves octal serve, ml Lend’ gure ot
Mongage Insurance ends in sccordance wih aay writen agement between Borrower and Lender providing for much
termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Bazrower's obligation to
pay interes ot the rate provided inthe Now.

Mongege Insurance reimburses Lender (or aay entity that purchases the Now) for censin loses it may incur if
Borrower does ax repay the Lean as agreed. Borrower is not « party to the Mortgage Insurance.

Morigage insurers cvaluu their toual risk oo al) such insurance in force from time to time, and may ener isto
agreements with othe partis tha share or modify thei risk, or refuce losses. These agreements are oo terms and conditions
dat are setisfectry to the morgage insurer and the other party (or panies) to these agrecments, These agrecmears may
require the morgage insurer to make payments using any source of funds that he mortgage insurer may have available
(which may intode funds cbcained trom Morgage lnsurance preaioas}.

‘As resuh of these ngreements, Lender, any purchaser of the Note, anosher insurer, any reinsure, any other emity, of
Any affliate of any of the foregoing, may receive (Eirely or indiecdy) emounts that derive from (er might be characterized
13) a portion of Borrower's paymems (ar Mortgage Insurance, in exchange for sharing or modifying the morgage insures's
‘isk, or reducing losses If such agreement provides thx an efine of Leader takes » share of the insurer's risk ip exchange
{fora share ofthe preminms paid tthe insures, the ssrangement is often termed “captive reinsurance.” Farther

(9) Any such agreements will not affect the amounts thet Borrower has agreed to pay for Mortgage Insurance,
or any other terms of the Loan, Such agreements wil not increase tbe amount Borrower wil owe for Mortgage
Insarmee, and they will not eatite Borrower to any refund.

 

 

receive certain disclosures, ig request nd obtain cancellation of the Mortgage Insurmes, to have the Mortgage
Insurance terminated auiomatically, and/or to receive 2 refaod of any Mortgage Insurance premiams thet were
‘onearned at the time of sneh cancellation or termination.

FLORLDA—Sizye Paity—Furate Mae/F ree Mac UNIFORM INSTRUMENT Fore 3010 uot -
(ew OrTa 211) ACR (Page 74 12 pogest eee ene T TANS

fe

Book20056/Page1549 Page 7 of 15‘meame eek has been coaphaad Lande’ sun, eovidd Oa ach aspect lle tnderaben omy
ety yay fo the epi and rerio io» single sees oo sre of roges payments a the work
complet Unies en ipsa! ste i wring or Applicable Law ropes intrest be pail ca sack Miscefiemss
Proceed, Lender shallot be rogue apy Barower soy lure exnngs ce such Misefuneos Proceed. If he
‘tenn or epi eo economia feeble or Lenders ery nib laced be Mislianees Pres sal be
‘pled wx sans secre by ths Sean Uasremem, wheter or ot ea de, wih exces i ny paid to Borowes
‘toh Micethcous Preeds sll be appli i the ede frviedfrin Setion 2

ee cvet of «wl king. denon or lesa vale of ie Popeye Miscelianeas Proceeds shale pid 2
tte sume sed by th Saey ares, wheter eos en de, wid excess, 25. paid Barowes

a te creat paral ting. desrecton or les ine af be Popry in whic eG mare v af te
oper iment beer the petal aking. donation or ot a vate i eae reste han fh nome of ie et
‘Sout ty ths Sen Uanenntinamesly teeth paral king, demon or low ie Yle, ules Darwen
(ner cherie age in ering, the sams secre by tis Securylasmuest sal be rand by te amount of the
Micellar Proneds pio ye folowing i) be wal unua of e sume scored ame bef the
Pal king dearocion or tsi vale divided by () te far mast ve of he Property immedi befor the ard

‘Skng, dein oro eve Any tlase al be paid» Boowe.

SSE ie eet of spl wig, atone aie oe Popry ia whi fr mit of
Propeny imnly fire dhe paral ang. door, elon ia vabe & fs dun the atenet of the suns secur
inant belore he pari king, dear, or fo inva, eles Borower ad Lender bere age in Wg,
the Mineligors Procnds dll beep io the nas secre y this Ser Iostumes Wher othe SA a
eam

We Proper is sata by Boome. oi afer sxe by Lender o Boose ta tbe Opposing Pay (es defied
in te ext stones) lle ake an awed in wee ai for mages, Barve as spond tp Lees win 30
‘dae afer te dee coe i given Lender is aerand w coe and eply the Miscllteons Proc cider
‘een or ep f the Proper or oe mn re by ia Searty Inromeat whet at the do. “OPP
Fay sans te ind pany Unt owes Barower Mielanows Prom cr py spit Woem Boxower fat 8 ph of
sshnin peta Mello Pred.

‘Dovower tha bein deft any acon cr procnding wheter civ er mim, sb pe a, io Lender's jude
‘ou re inferno he Prope cer cael pres of Lents ere in he Propey rigs wor his
Seewiy lasrument Boowes cw ce ca een anf acca has otro ens at provid Secs 9,
by camig he anon or roceeding te Gamied with «rang do Lender's jigmen, pects loreiaae of
Proper ot or atl Umpaimess of Leaders ius inthe Pope o Highs wer tit Seri lasoument The
fronds of ty evar or chm for damage hat ee naa the npr of nde’ es i he Property
[ees and sal be pt Lec

"A! Mzlaneo Proce tht se ot sped reora or ep of the Popery sal be epi ote rk
vided fer Seton

12 Borrower Net Relomod Forbearance By Lender Not a Waiver. Exzasion of te tine for payoest
‘wotiicaio of marta of ie sas ceed by hs Sey Hnurunea! gated by Lender io Borower ot 27
‘Scere of Barower stall aot opr felesse the Dailey of Barower oy uy Stczexon in tes of
‘omower Lens ot be reed to couaneace proces psn ty Socesor in Ler of Borrowes ort fis
(tw exead tne for prytet or eh eel tartan of te ste secre by this Seu Laren by eon
‘ay demand made bythe ewig! Borower or ay Soccer i eter of Barower, Aay frterene bf Leder i
‘heciing any High Freund acing ioe niaton Lender's wexpace of payne om Grd pean cates er
‘Socmeson la Imerest of Bowe or [0 wot fs tan he ame en hc, shal ot be 8 waver fo rein the
aac oan igo ees

TL. Jat an Several Lisbaty; Co-sgnrs;Soscwors and Assigns Bound. Bove coven tl es that
‘eros’ eblghion el Kali al be jolt ad sever Hower any Brower who covsig i Sent tment
LORIDA Seg Fey Ped Mar Mae UNION TRUDE rc
cons eam inet eed nerea enone TSS

Book20056/Page1550 Page 8 of 15Gt j06 abeg bsgpa6ed/9s00zx00g
Wf
Eiusemoomaner wo moo (oted cfg stead tis recmna
Tero ems ARCAHRLISAT HRMOLAN 2m aR aE Coes SOTO

ken sper) “oasoos venus sud $4oper] nogus (pauaysana 40 plos | mcg w HET (FPYsAG © PoE CoLed
Temes 2 00 F| BMaLDg Jf 2D) pausjemen 40 ples A Lindaiy am masa, hae 20 Kurdaty ap Jo ve dee 301 71
‘pram ¥ @ Jap aumny wm eoug Aq a Jo sys
20 8 soma Jo ma ap “moe man so mA Hae MENU ‘pap 38) FOND ‘Paap mj poog v wy PALMA
ERT, PRYING 250K) “or FEHR poo Inq “Papo “Kuedony ap of rae prgeaag 0 (eB how some umdony
0 ay AE, “BL BORIS MTN wy pom sy “ReMOLIOG oy EUATTT TeAReIEG 8 50 Heda a SAL FL
“Twamnast] Kuns9s sx Jo poe AON 30 doo ano oaaG aq (PRE RmaMog"idoy s.sMBLOG “ZT
‘panos kos 2xe a sopiggo Ars moipim womaDTEp Hos s3ac8 Arm, som
290 (0) pow sian sot pow pemnd xp apap pare oe pee aS =p OY Spo (q) PEAS TTT op Jo SpEK sO SALON
non Barpuodsauco spain paw wean Geys pos ano ap Jo spun (e) asm ADMINS Sup OY pose sy
“pormaid funogyoce ap nana Hays
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{oye sowgtes aon, ap 20 iasumasm Aiumoes sup jo seas 20 oomaasd how re wex49 =I] O] WENDOD Aq voourE
‘sandr congrd 8 58 pannsuoo 2q 0H [TRIS SOUS ipas mg TOOT 29 MPA 1 90 wEMG0N Aq aay oy eared a AOTTE

‘Aumoeg snp 0] pourra. Pos mu Ty Fore] Ht Andoly 29 Oy coRapamf ap jo am a PTT
nm] s2p2} Aq pourane8 09 RT Es] SmI ToRIRESOOD Jo SITY LATE RATS tar] BomBLOD
oammuse] Aumoos sn pan Remagabat es WexSERas a] SEY

3 sapon fry “manounog
1 aonce Ag ssappe =mece pamSsop say spe sequn Cran PANES SSAIPHS 4 opOT] ee Sms ay ae Ree hq 2
11 Bouoartap hq cand 29 reys <3pOTT] ca zonoU Kary “au avo Ace re KeIMSEY AIURES SKA LIAM SAIPPS 37TO
eo Aqoo 29 fit aay “ampscad! pared ng Boom ssampps jo sump v uodat Aju [AR acting cap TAPP
40 sftp 5 xauog Somundat 2 ampocadl ysaypads per] f|SapyE JO amp $ manng Jo Mpor] kypon kpdaoad
(rs eawiog “707 or spon q reap sonon mms « pareip my Baaulog ssopon HAPPY Madi 9 29 TT
Bappe anon aq], aD gO sabe (peashs 7 FqeNSAY ASM kenaINY 01 soneM TMUATI YS AACN
20 fre Se So es 9 SY sana pSATEY Ae Bs FE ED
ayn 01 aad 020g 2409 1 20 TE 7 Aimmoeg sR cpa oopsooaa m maaing 1 sone key
“amu 29 2 reERNSH] Kaos sp Yu BORDER oT PU] 10 HmouDg £q c24Gl S9NOU [TY FOHON “St
“afempuaao foes jo 100 Bums anny nffrar asauiog oon Jo WAL Aue yo Rates ¥ sMAG
{ve samnuog 01 msked amp Aq 2pem pangs gens {sa jo sommes $ouabog (ON Hp Spon 20} papAaad 5 aA
omnedasd #100 10 mipoqn) anys mamXedad Lor moxgie Texakedad (rrved ve porean