Document for WELLS FARGO V OSULLIVAN ET AL

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                                6/23/2015 10:25:30 AM
Velva L. Price
District Clerk
Travis County

CAUSE NO. D-1-GN-14-004962 D-1-GN-14-004962
WELLS FARGO BANK, N.A., IN THE DISTRICT COURT
Plaintiff
Vv.
MICHAEL EDWARD O’SULLIVAN,

SEAN O’SULLIVAN, THE UNKNOWN

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§ | TRAVIS COUNTY, TEXAS

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HEIRS AT LAW OF ELIZABETH §

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JAMES, DECEASED, AND THE
UNKNOWN HEIRS AT LAW OF
TAMARRA WALKER MAXWELL,
DECEASED

Defendants

IN RE: 3838 COLOGNE LANE
AUSTIN, TEXAS 78727 § 126" JUDICIAL DISTRICT

PLAINTIFF’S FIRST AMENDED ORIGINAL PETITION
TO THE HONORABLE JUDGE OF SAID COURT:
COMES NOW, Wells Fargo Bank, N.A., its successors in interest or assigns (“Plaintiff

or “Mortgagee” as the context herein implies) and would respectfully show the Court:

DISCOVERY

1. Plaintiff intends to conduct discovery under Level 2 of TEx. R. Civ. P. 190.
PROPERTY

2. This proceeding concerns a certain loan agreement, as that term is defined in TEx.

Bus. & Com. CODE § 26.02 (“Loan Agreement”), secured by the real property and improvements
commonly known as 3838 Cologne Lane, Austin, Texas 78727 (“Property”), and more
particularly described as follows:
LOT 7, BLOCK L, MILWOOD SECTION FIVE, A SUBDIVISION, IN
TRAVIS COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT

THEREOF RECORDED IN VOLUME 79, PAGES 23-25, OF THE
PLAT RECORDS OF TRAVIS COUNTY, TEXAS.

PLAINTIFF’S FIRST AMENDED ORIGINAL PETITION Page 1
BDFTE NO.: 4433520PARTIES

3. Plaintiff acquires loan agreements secured by real property in the State of Texas
and, when necessary, enforces such security interests. With respect to the Property and Loan
Agreement made the subject of this proceeding, Plaintiff is the mortgagee, as “mortgagee” is
defined in TEx. Prop. Cope § 51.0001(4).

4. Elizabeth James (“Decedent”) was an obligor under the Loan Agreement and died
on or about June 18, 2013. It appears no probate proceeding has been opened for Decedent in
the county where the Property is located. Therefore, there is no executor or administrator to be
made a party in this proceeding as the personal representative of the Decedent’s probate estate.

5. Tamarra Walker Maxwell (“Decedent”) was an obligor under the Loan
Agreement and died on or about February 7, 2014. It appears no probate proceeding has been
opened for Decedent in the county where the Property is located. Therefore, there is no executor
or administrator to be made a party in this proceeding as the personal representative of the
Decedent’s probate estate.

6. Pursuant to TEX. ESTATES CODE §§ 101.001, 101.003, 101.051, the heirs-at-law of
Decedents (“Heir” or “Defendant” as the context implies), whether known or unknown, acquired
Decedents’ undivided interest in the Property immediately upon Decedents’ deaths. Each
individual believed to be an Heir is made a party to this proceeding pursuant to TEX. CIv. PRAC.
& REM. CODE § 17.002.

7. Defendant Michael Edward O’Sullivan is an Heir of the Decedent Tamarra
Walker Maxwell and has been served with process and filed an answer.

6. Defendant Sean O’Sullivan is an Heir of the Decedent Tamarra Walker Maxwell

and has been served with process and filed an answer.

PLAINTIFF’S FIRST AMENDED ORIGINAL PETITION Page 2
BDFTE NO.: 44335207. If Decedents had other Heirs-at-law who have an interest in the Property, but
whose identity and whereabouts are unknown, in accordance with TEX. CIv. PRAC. & REM. CODE
§ 17.004, Plaintiff will seek service of process by citation by publication and appointment of an
attorney ad litem to represent such Defendants’ interests.

JURISDICTION

8. This Court has subject matter jurisdiction over the controversy because Plaintiff
seeks only title and possession of the Property secured by the Loan Agreement debt. TEX. Crv.
PRAC, & REM. CODE § 17.002 and TEX. ESTATES CODE §§ 101.001, 101.003, 101.051.

VENUE
9. Venue is proper in this county because the Property is located in this county.
FACTS

10. The documents attached to this petition are made a part of this proceeding for all
purposes and are true and correct copies of pertinent original Loan Agreement documents related
to the debt secured by the Loan Agreement and the Property made the subject of this proceeding.
Subject documents include:

a. Deed marked as Exhibit “A” attached hereto and incorporated
herein by reference.

b. Note marked as Exhibit “B” attached hereto and incorporated
herein by reference.

c. Security Instrument marked as Exhibit “C” attached hereto and
incorporated herein by reference.

d. Assignment of Security Instrument marked as Exhibit “D”

attached hereto and incorporated herein by reference.

PLAINTIFF’S FIRST AMENDED ORIGINAL PETITION Page 3
BDFTE NO.: 443352011. The obligors of the debt evidenced by the Loan Agreement used funds advanced
by the original mortgagee to purchase the Property. The debt created under the terms of the
Loan Agreement was secured by the Property.

12. According to Plaintiff's records, no payments have been made in accordance with
the terms of the Loan Agreement since January 2014. Therefore, there has been a material
breach of the Loan Agreement. As of July 18, 2014, the Loan Agreement payoff, as “pay-off” is
defined in TEX. PRop. CODE § 12.017, was at least $14,310.24. However, this sum increases
daily under the terms of the Loan Agreement to include, but not limited to, earned interest,
collection costs to include attorney fees, taxes, insurance and other legally authorized expenses.

13. Under the terms of the Loan Agreement, Plaintiff has advanced funds for the
payment of taxes, insurance, and property preservation expenses, in an attempt to preserve and
protect the Property from becoming a wasting asset and subject to vandalism.

14. Subject to TEX. ESTATES CODE §§ 101.001, 101.003, 101.051, the heirs-at-law of
Decedents acquired all of Decedents’ interests in the Property immediately upon Decedents’
deaths. Though all Defendants have had the use, benefit, and enjoyment of the Property, they
have failed or refused to pay the debt evidenced by the Loan Agreement. All conditions
precedent have been performed or have occurred as required by TEX. R. CIV. P. 54.

15. But for the death of the Decedents, Plaintiff would have exercised its right to
enforce its security instrument against the property because of the material breach of the Loan
Agreement. The most practical, efficient, and effective means to enforce Plaintiffs security
interest in the Property would be a public auction of the Property.

16. The rights, responsibilities, and duties of Plaintiff and the trustee of the security

instrument are well known under TEX. PROP. CODE § 51.002 and Texas case law; therefore, a

PLAINTIFF’S FIRST AMENDED ORIGINAL PETITION Page 4
BDFTE NO.: 4433520public auction conducted in the same manner as a non-judicial foreclosure sale would meet all
constitutional standards of due process.

17. In addition, a public auction of the Property would also be the most expedient
means to put the Property back into the stream of commerce, as well as into the housing stock of
the community. Otherwise, the Property will continue to be a wasting asset that is subject to
vandalism and deterioration.

18. Under the terms of the security instrument, Plaintiff appoints Steve Utley, Wendy
Alexander, Tobey Latham, or their successors, as a Substitute Trustee to conduct the public
auction.

CAUSES OF ACTION
Vendor’s Remedy of Rescission

19. Pursuant to the Texas Uniform Declaratory Judgment Act, TEX. CIV. PRAC. &
REM. § 37.001, et seg., Plaintiff requests this Court declare and enter judgment as to all
Defendants that Plaintiff has superior title to the Property secured by a vendor’s lien as
evidenced by the reservations in the Loan Agreement documents (See Exhibits “A” and “C”).

20. Plaintiff seeks to exercise its right of title and possession to the Property against all
Defendants by remedy of rescission under the vendor’s lien due to the material breach of the
Loan Agreement. As the Texas Supreme Court held in Estes v. Browning, 11 Tex. 237 (1853),
“no man shall claim title to the land of another without payment of the price agreed upon.”

21. Until the Loan Agreement debt used to acquire the Property is paid, the obligors
have only equitable title to the Property, that is the use, benefit and enjoyment of the Property —
not legal title which is held by Plaintiff.

22. By exercising its right to rescind under the vendor’s lien, Plaintiff is not making a

claim for money against Decedents or Decedents’ putative Estate; therefore, there is no necessity

PLAINTIFF’S FIRST AMENDED ORIGINAL PETITION Page 5
BDFTE NO.: 4433520of administration of Plaintiffs claim under the Texas Probate Code. Walton vs. First Nat’l Bank
of Trenton, 956 S.W. 2d 647, 652 (Tex. App. — Texarkana, 1997).

23. For due process purposes, Plaintiff seeks to enforce the vendor’s lien by using the
provisions of the Loan Agreement and TEX. PROP. CODE § 51.002 to conduct a non-judicial
foreclosure of the Property.

Enforcement of Statutory Lien

24, Pursuant to the Texas Uniform Declaratory Judgment Act, TEX. Civ. PRAC. &
REM. § 37.001, et seq., Plaintiff seeks a declaration that Plaintiff has an in rem lien against the
Property under the terms of the Loan Agreement and the following statutory authority:

TEX. ESTATES CODE §§ 101.001 and 101.051 which states in pertinent part:

“... whenever a person dies intestate, all of his estate shall vest immediately in his heirs

at law, but with the exception aforesaid shall still be liable and subject in their hands to

the payment of the debts of the intestate...”

Also see:

TEXAS TITLE EXAMINATION STANDARDS § 11.10, which states in pertinent part:

“A decedent's Property passes to his or her heirs at law or devisees immediately upon

death, subject in each instance, except for exempt Property, to payment of debts,

including estate and inheritance taxes,” and

TEXAS TITLE EXAMINATION STANDARDS § 11.60, which states in pertinent part:

“A decedent's Property passes to his or her heirs at law or devisees immediately upon

death, subject in each instance, except for exempt Property, to payment of debts,

including estate and inheritance taxes .. . Property of a decedent passes subject to
unpaid debts and taxes of the estate.”

25. Plaintiffs statutory lien gives Plaintiff an enforceable and superior in rem lien
against the Property. Because of a material breach of the Loan Agreement, Plaintiff seeks to

enforce its statutory lien against the Property in accordance with the terms of the Loan

Agreement and TEX. PRoP. CODE § 51.002 or TEX. R. Civ, P. 309.

PLAINTIFF’S FIRST AMENDED ORIGINAL PETITION Page 6

BDFTE NO.: 443352026. Plaintiff seeks no personal liability against the Heirs. Plaintiff seeks only the in

rem interest in the Property acquired by the Heirs upon the death of the Decedent.
Quiet Title

27. Pursuant to the Texas Uniform Declaratory Judgment Act, TEX. CIV. PRAC. &
REM. § 37.001, et seq., Plaintiff requests this Court declare and enter judgment that after
enforcing its security interest, Plaintiff has all right to and interest in the Property and that all of
Decedent’s and Defendants’ interests in the Property be vested in Plaintiff. Brainard vs. State,
12 S.W.3d 6, 29 (Tex. 1999).

28. Upon Decedents’ death, the Heirs of Decedents became vested with an interest in
the Property, adverse to Plaintiff. All claims to the Property by the Heirs are subject to
Plaintiffs superior security instrument in the Property.

29. The heirs cannot hold greater rights in the property than the Decedents, who was
the obligor under the Loan Agreement. The heirs take their interest in the property subject to
the Loan Agreement. Though not personally liable on the debt, the heirs have failed to make
payments and/or payoff the loan, while still enjoying the use and benefit of the property.
Therefore, any and all interest in the Property the heirs maintain is extinguished when the
Plaintiff enforces its security interest against the Property.

30. Because of a material breach of the Loan Agreement, Plaintiff seeks to enforce its
security interest in the Property against the Heirs and Defendants in accordance with the terms of

the Loan Agreement and TEX. PRop. CODE § 51.002 or TEX. R. Clv. P. 309.
Writ of Possession

31. If any person (“Occupant”) occupies or claims possession of the Property after

transfer of all right, title and interest in the Property by trustee’s or sheriff's deed, Plaintiff

requests a writ of possession against Occupant in accordance with TEX. R. Cv. P. 310.

PLAINTIFF’S FIRST AMENDED ORIGINAL PETITION Page 7
BDFTE NO.: 4433520PRAYER

WHEREFORE, PREMISES CONSIDERED, Plaintiff requests that upon final hearing,

that Defendants be cited to appear and answer, and, the Court enter judgment granting:

1.

A declaration that all of Decedents’ heirs-at-law have been made parties to this
suit and are vested with all of Decedents’ right, title and interest in the Property;
and

A declaration that Plaintiffs vendor’s lien against the Property be enforced and
that the Defendants be divested and Plaintiff vested with all of Decedents’ and
Defendant’s right, title, and interest to the Property; or

A declaration that Plaintiffs statutory lien against the Property be enforced by a
foreclosure, and that through foreclosure the Defendants be divested and Plaintiff

vested with all of Decedents’ and Defendant’s right, title, and interest to the
Property; and

A declaration that Plaintiff is vested with all right, title, and interest in the
Property in order to remove any cloud on title that the Heirs interest may have
created; and

A writ of possession against any occupant of the Property (“Occupant”) if the
Occupant fails or refuses to leave the Property after foreclosure; and

All other relief, in law and in equity, to which Plaintiff may be entitled.

Respectfully submitted,

BARRETT DAFFIN FRAPPIER
TURNER & ENGEL, LLP

/s/ Thomas L. Brackett

PLAINTIFF’S FIRST AMENDED ORIGINAL PETITION Page 8
BDFTE NO.: 4433520Thomas L. Brackett

State Bar No. 24034337

15000 Surveyor Boulevard, Suite 100
Addison, Texas 75001

(972) 386-5040 Telephone

(972) 341-0734 Facsimile
thomasbr@bdfgroup.com

ATTORNEY FOR PLAINTIFF
CERTIFICATE OF SERVICE

I hereby certify that a true and correct copy of the foregoing Plaintiff's First Amended
Original Petition has been delivered to all parties and counsel of record pursuant to the Texas
Rules of Civil Procedure on this the 23™ of June, 2015.

VIA _CMRR # 7196 9008 9115 0326 0511
Bill W. Russell

Attorney at Law

P.O. Box 4848

Victoria, Texas 77903

/s/ Thomas L. Brackett
Thomas L. Brackett

PLAINTIFF’S FIRST AMENDED ORIGINAL PETITION Page 9
BDFTE NO.: 4433520ait
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REAL PROPERTY RECORDS
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pacmes ‘by = vemdar*e ionNOTE
Bagcrs Ih. 2004 aaozin reas
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L. BORROWER'S PROMISE TO PAY
daseamn fora igen that i have eemeived. } promise te pay US'S SE-DOB_Do {iismomts oles Trina,
Pieris loco ofte Lente. the iets Washiogzon memael ment, Fh

3 wil nas a ponents unde thts Nom inthe ftom Of cach, check ersmnpey entice,
1} vatkeend thet the Lonicr may emt this Note. Tar Lionner br eayemr whe tales th Nese by muncier amd whe =
sensitied wp mocive payments mpder this Not i called the "Now Rabie.”

3 INTEREST
‘see wil be charged 00 meld primcipal mani) che doll amonce of Pebatipc! ten bom paid. } wilt pay ices at © yoarty
snot 5.625 .
‘The: feecoest mate required by this Section 2 js the mex I weit pay noth bers mo wii any Scfemt dosesloed is Semu08 6(B} of
this Nots.

‘3. PAYMENTS
(4) Tne end Posse of Paymen
3 wit pay peiscinel mod interest by omicng: 8 payer cw om
Twit mak my memtly payee oo tbe at dayofeahmasth oepining os Ochtbat, TODe 2) wil

mane thene paymest every month gail f nave pee oll of tos principal xed ine mad may other tharps Gatctbod bole that F
ap or Wr tes Nom. Sach marty pronase il besppies of br savas ts ant wl boogie w er bore
Principe oe Sepraber 1, sezy ‘2 gore mamtants oaks this Now. f wll pey Coase sxssuone i ff om
hata which ix abet the “Maneity Boon”
Twink: my monthly payers at SUSI Cacbic 2ve., Hotthtidpe, catisomte 92234
erat Gificras place if mncired by ms Nos: Hold,

 

$2) Ammennns of Meomnthly ©
My monthte payment elif be ie the amoum OUS, $477 76

4, BORROWER'S RIGST TO PREPAY

‘eve the sight wp soake prymens of Princip! = soy time befor they ser due 4 peyment of Primeipal omiy is known ac 9
“rrpoyses.” Woe | malt 2 Preoyece | will ob tie Nox Sokicr is wring toot f exp doing 20. muy wee amsigaie 0
Payments « Pespoyeene £1 hove oot mato te meth payments dared to= Nace

2 aaay ste 2 SoD) Prepayment or partial Poopmyass wobec paying 2 Propaymer chaps Tar Nor Fiolder will ase amy
Eecpoyea maidens Sr none Penal ed ou ner ths Nees, Bowe, he Now BSL key opal Faye
te the neorned and ecpaid intres oo the Frepeymen epoum, belors epplying ony Propsyreces we ene the Poincipe! amou of
Se Nom ol makes paral Ereaymem. there wil bene chonges ip the Gee dt beim t= cape of may monthly payment eke
ths Nom Holder nprec: in writing to those change

IRITSSTATE PED RATE NOTE Senge Fovtinn Penni Noma rei Ne UMPORIE INS TRUIEENT

rem ‘Fon 200 Uo
wren nnn ih

an 22 “Bhe.- @
5, LOAN CBARGES

3a low, which appiics zo thi lous and which secs mamieres Jou chp, be Snaby inerecned so the the oe crock
‘pon shy coftect=d of ty be calicoed i cementing witb tS Jom eccucd the pexmnitind limi thas (a) amy ach tosocharge
‘Baal be rodnecd by te seoent aeaeey 6p rodnes the champs op the passin fats end (b) any som abmaty eaiinnmd fs me
cwhich cmtended permite? limits will be refonded © ae Toc Note Molter my choose so mic thi refumé by rooutiog tor
‘Primipal | ows und this Nowe or by making » dies poymamnt to spe. ifs fond reurms Beiocina! the mckerins wi be meatcd mt
‘Spactal Prepaymene,

& BORROWERS FAILURE TOPAY AS REQUIRED

(A) Leste Carpe for Overtins Pay
the Now Bolte be: not recived th: fi monet of say moctliy paymam by teeadof «35 maken cays
stor the doe i is ae, | Wi poy’ Some chaz othe Ke Fiokden. The momen of the champ wl be £006 mol

‘By evertne payment of principal and immeres. 1 will pay this l= charg= promaaiy bar only once an each kre payee.

Demat
13} do mor poy te fall moun ef cach momhly paymest ao the am Rise. wri be im defen.

(©) Satice of Defaat:

TET ame ip detest, Sox Now Hobie may acat me 2 written notice ting me that i} do aot'pay De everins smocn: by =
ccs date, the Nom Holder muy reire m= to pay tmodintcly the Salt smoenc of Principal which hex pec bean pesé eutal! te
(toes thet Towe ae teat moms Tht dts mia pe a Set 3D ooys wer the dame om which the peti ix maiied mp me or
ecbvass by ote mam

D} No Waiver By Nor Holasr
Ben or 2 thes when bam i dchih, tho News Bislécr docs mor moomis tas w poy imupodiasaty in alk en descrinat above,
he Neat Hicker wil soll howe the right todo sei amit dott as beer

(CE Payment of Nowe Solder's Coors amt Expenses

A the Note Holi has soanited aie th pay’ imaeioaty ia SB ae coportbed above, the Nots Holdcr will bave'tee sects be
paid back by se for aD of im come ant expences @ catrcing this Now te the orem oot prokibined by applicable bre. Toe
poet include, for meric, seatomonble anemany? Sos,

1. GIVING OF NOTICES
Ulex: sppiicble Iw mani » Giffrent mcthod, exy mover thit ent be given i sop tnd this Note wil be give by
selivecing & o by malting it by fox cham taal sp mac ac the Property Adorac above or st = aiGise adcioes 21 give the Nor
Hobie wnctic of my dition aioe,
! poy nosioe thee mass bee given m the Note Hakicr anter this Now will be gives by deinering iron py malting it by Bost oe
saad to the Not Rokéer of ths andra sme in Section SA) above or ata difisrent adds 11 am gives 2 noice of tex Sitio

&. OBLIGATIONS OF PERSONS UNDER TEES NOTE

Eimer thes fac poses sige this Not each passna & filly and posspatlly cbligeiad wp hemp olf of the prem sass fa
thee Nowe inctuding the promice to pey the fall smeust owed. Any person whe & & jamemine, sexy ox easarse’ of this Mow i
Hsp obligaeat w 49 ec things Any poomo wip ice ovr Shae obligation: incteding the cbipmiomof e pamaalon, Sy
atom of thin Nom, & aise obiigamt = eecp ab of the prominas sind wp thi New, Too Now Bobi moy otiones its the
sender this Nowe pprine cach person individually or agen alt of me mgethe, This meme che apy ene of me mmy oe rogairet oe
pny 20 pf be mmoume: owed mam this Note,

$. WAIVERS

mmf say othe persop whe ins obligation: under thie Note waive the sight: of Femenenect and Noto of Dishiones.
“Pememme” mers Se sight wm reanine tee Now Biolac wm comand poymes of mmome tac. "Noise e*Dishosot ssauan Se
Bpntwe requis me Not: Roki tm give notice to edhe penoss dn amoesn. dur ave nor boos pat@ @

38, UNIFORM SECURED NOTE
‘Ths Now & a uniiee inmremen witb Ensind vicition: fe come peintiesone Je edition op the prosenions given bith
‘Now Hisiier under this Noe,» Margage. Dest of Trust or Seoutiy Deni {ihe “Semarty Eermameat: desos theseme dene ts
‘Nore, protcots the Note Solder Som pamihis loose: which might romuk if7 do aot kacp the practise wich i cule i Gis Kote.
“Dist Sceucty laoareme describes bow ant und win conditions 1 say be sued to muicr Smvondiar payne fab of ab
acount | owe mac= this Not, Some of tons conditinns m= desoriood at follows
Yall or any pan of the Propecty a= any inion ie the Propeny  s0ld or suesfarae (or # Borrower i no
2 ager) pesseo and 2 beusGiias ect io Sorower is said o Caacicred) without Lepde's prior wcines
coment, Lester sey regcir: Gomes payor EM of of aoe acest by the Soomiy
‘Spwever, this eptinn skal not be exceed by Load if each comes fy probibinad by Anoiicabis Le,
bene ceecbe: this orion. Lender shall give Bomower notice of seacieion, Ts note: shel! provide
2 pedbd of mot ints fie 30 cays Som the dam the oonioe & given & oemocienar wi Section 1S within which
Boroner seat pey al menses Semrty Ree Semen Sis py em sept oe
of tits period, i “many Savok= =xy pemmined by thie Sorte

 

 

 

 

 

 

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DEED OF TRUST
NOTICE OF CONFIDENTIALITY RIGETS: IF YOU ARE A NATURAL FERSON,
YOU MAY REMOVE OR STRIKE ANY OF THE FOLLOWING INFORMATION
ROM THIS INSTRUMENT BEFORE IT IS FILED FOR RECORD IN THE
PUBLIC RECORDS: YOUR SOCIAL SECURITY NUMBER OR YOUR DRIVER'S
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DERINITIONS

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TEXAS - single Famlp « Fann tone/Fredsie Mao UUFORS INSTRUMENT
Form soar 1h Page t ef 32 pages:Pape?

as —

© capeticable Law" motes all e5itoline appbiebis fotera) Scr tae tocad searstet, munition,
Srdiswnces ang atminismanve Poles and orders (thes hyve the cliect Of tow) et well as SE epplicedlc
Arnai, cosagpectacic judicial opiciom.

G) “Comeaunity Assucucine Duck Feet ant Argetimente” monns 20 amos, 2c, sigssementh moo ctner
asec ins: ux PME! of Boras! or the Propeny by x conastminies wmsocktion sUMcowaas
mectiainen af imdler ergunosiom

 

 

(%) “Mecorwnle Funes Transit” mexns ony cunsfer of ftnos, other than y tansemion originated Dy
enor, ON, of simie pieper Germ, which fs initiates thyough ab ek-crome terauag, wlenhome
imscumnen:, Computes, OF MAPESN= tape So 25 10 BEML iors, OF apthanr 2 feuntied mee 1
Geba of prods. 35 amors. Such term tnciote, bet ir noi fankot te, soimofatis uammins, antommind
teber Funes saneesson, attr itaiet by ilephons, ware tamvies an ausomsien GcennoRse
somite

 

{L) “Becrow irene means those items that oo omicribed in Scion 3

(M) *NEsecDomcont Protceds™ mount apy compentstion, settlement, sware of damage. or proscems pale
ny tire party (other choe imsuaaue proscecs suid we0er Be Senape Sate S Seams Soe
. 9 Gemrericn Othe Proper {ij conasmnation or other taking of al} or apy pert of
ite Proper, (Gi) cbowerame: 1 lise of eomeemsstion, G° (iv) misrspmscnisiios 2!
Wo, tar Maus zndvor eondnion of tbe Proper.

         

‘ommsions 2

ON) “Niyremase hearers” meen insufsace procesing Lente? agains: tae nonpeymsot of, or ecsuat
0m, the Lown,

(0) “terodte Poymenc” means the repetariy eaheaulet amoan! ave for {2} prinpw anc meren worse
fae Now, pe (E) aay smoans nest Senn Sef whe Somany lercanch

GI MRESDY seams vee Real Ese Geclement Promanes A (12 USS $260) ws) ane me
Ex Repsotion X (26 GRR. Fest 2500) a they mizic be mendes from

Eats, & any nudilionsl or summon esky of regulon thas governs ihe sare subjer rote, AL
tee #5 this Seaurny omtrumses, “RESEA relem 16 Of requiremenss ac recienoms chu ore MMDORSS
SRE Dee eeetnone oe om ros if the Loan coes not guskty as # “federalyy sSkete!

  

 

 

 

(0) ~Sucaster in isuerenef Bocrower” stuns ay pany thas hes weer dhe to the Fapeny, whether
OF Dt thay per’ nes seinmed Hormower’s Obleeon ander the Note enevOr this Setemy inseereat

CTRANSTER-OF RIGHTS IN THE PROPERTY

 

5 secures to Lender: (1) ine repayment of the Laue tod all renewals, seaion
ant otibentons of tee Nowe ane Gi ta petorease of BORawers Gene ea

y Ingerememt snd the Now. For car pinpose, Bowe ire foe ae ore
HRSG rec, wot power of ste tee talkies ace propeny lomned & the Cost) c!
TRAVIS;

 

 

LOT 1. BLOCK +. MEWOOD SECTION SIVE. A SUBDIVISION, IN TRAVIS COUNTS, TERAL
ADCORDING TO THE MAP OR FLAT OF RECORD IN VOLUME 7%, SAGES DEL OF THE
Plat RECORSS OF TRANTS DOUNTY, TEAS.

    

TEXAS - Sap Famby - Frmme Reno/tomdsnw Rac UNIFORZE RNS TFEMENT
Fern, sos

 

espe 2 of 30 Paper:Pape’ of 17)

=a —

whice curremby box the adaron of S83 COLOGNE LANE,
Foes
ARSTIN, TEXAS RB, | CPmpeny aces:

TOGETHER WITH ail the mprovemens now or asreabis orccyed oD the propery, ant at
seamen: dnperenanst ant Extur sow ef seraiier 2 pang! the orepeny. All Feplesermsnt une
ROditions shot asp os covers py the Seceriy insrumen. All of the forepoms & refocus to in this
Seourhy instrimnent #6 tae "Propern”

BORROWER COVENANTS thsi Borrower % tewtully sewed of the ects needy coMveyes anit
us the Mt w ghea: snd Convey ths Prnpeny 00 the: the Proseny & unenmumneret, exten, for
sntumprace: of rosore, Rerrower warans am) wi? cova generuby ine tee t the PTOPETD ApaanSt
al! susre ane Oxmenas, subjor 1e any enmenorances Of TS,

THISSEOURITY INSTRUMENT combines naltoom covennys {or amioga! use mat nomenilom
sovemume with Homies variutions py junsdiquoa to comtnos e anion ssmmiyy iscement covering
Fem! propery.

 

" Boymest
ocowes nT sa hts aus at nono aoe tena oe toons mae Oy ne NE ae ay
prepuymen: shores ane Lete shntye. cic ender Ge Now Sorrows: sha! also pay iooos or Seovom
ism penuuunt te Scmen 3, Paymenss gue eadertoe Note ane wis Senumy ingiritecn! shal! be mae
48 UE. curreney, Howoves if uny check gr uiber meirechenk reeeneo by Lene & RT: ste the
Noi of ine Seaurity intmameni 8 rourecd we Lenacr-mopuig, Mensa may rogue the way oF el!
Rubwcouaa! PYMeMS UuE Yenc’ Les Nowe use ches Semurny Lemrument be Gale a one Of OTe of the
following forms, 25 sulecioc my Landen (g) cask (bp) mney orden (2} Ceriliec check bank choce,
Uemiarers eneck or esavers Shea prowidse apy Sesh cox % Gown upon a2 memUOD whos
sacposis sre Emurot 9 & feacial epenmy,meantinastsii, or Cathy: or i) Seconee Punts Tremor
“Faymony sre dommes ceosved py ‘Langer umes Tetaveo 3: the JOmbor astigaaes ie the Nose
for 25 each omer Joennon 26 muy Detetimmeted by Lenoer ip accordant wits dae Rows provisioss
Semmes 2. LAE ey Se Sr Sa pore 2 ee roves & peel Poe

fasafficiont © bring the ods “Actoshaer or prepuoies 19 de: righe
te Felues vom. payinen! of sansa ogymoms > ine fanurs, Osi Leaner & not oblriiet to appiy Sock
paymont St ihe ime usch puytiens ote accepts. cach Perio Paymen & apolice ss of its
Ssbooulat oue ons aber Lenoir need Dot pay iter on usenplict mnt. Longer my bold seca
uerppled tends e902. Berrower mans 10 OAS the Lon currem if Borrow= dom aot au
so Wilbia x reauoebi: pane of tise, Lesbo small artnet gpply sash (thes or Tosure thom 1 Borrowe:.
Af mor apbliew exriies, Seob funds wal oe applies wo ioe ouctinding priosipal balance wmtler toe Note
mimedeicly;phor te foremesuce Novolisel oF cise wrice Sorrout: mignt hove now or is the tue
dagaizsi ‘code shill rolove Borrower Tom musing paymend diz wads the Note 2nd the Secuny
inmzumen: or peciorming the eovename, and agreement semure: by thy Sengniny Ineeremen
of Eaymants o> Proceom. Exerpi a Ollerwise Gmorioed it wis Sesion 2 2

poymane weepien a by Loni thalt be upphiet i the following oresr of prioruy: Ge} interes
eae uncer sa Nowe @) ponsips qm epost is Nowe (6) agune oer snes: Seok 5 ‘Such
ayments snot br appiier 10 euch Periodit Payment am the onder an whieh heme cue Any
Femuumng amowew qinit be spptica Lie to late Shurpet, secead to agy Obs SeOuM due wader es
Security tneremen. uné men iy reaues :2e prneasl geemee of the No

Lazne Tectnes = payment fom Borrower ier > eclinouen; Peringis Paymeni wast maiwes
esaffisemt emouni w Iie cares abe, Ube py ay
00 tbe sane enarge (¢ mary tnon one Periods Pu
revered trom Zesrower is ter Fepayment oF
poymen) cer br pute te fall To the cotcct Ion amy cmos Sams aor toe payer: x sppliec te tee
fel pyrex of Gac er more Fenpeis Paymeme, sete coe mayy de cpphied fo aby Iai core one
Vousiy srepaymssts ska be applied fox to ey prevoymen: chips met ches 3: qqccciped & the
Rae

 

 

 

   

 

    

 

 

 

  

 

 

   
 

pa ar fe Nessausneos & wT ous
osu iat Now aut soc coene or propose ie cue ORIG OF Chunge Ike amo 2! tbe Period
Pom.

TEXAS « singe tami - Fanos Mae/Fenctin ten UNIPORRE ISTAREONT
Fens son ut (ape % 0 te Hagen;apes fa

ae oom

4 Papen Jor Sserow items, Borrower shall say te Lender pn tne esy Poriodis Puymenss ere aoe
ender tne None, wail the Nowe & pale ie folk a cece (te “Peery to stovise lor nayeren of amounts
2 fon (s) wines und usenet ne other ewe whics cok ata poons) Ove che Sema
imtrumes Ss lies G? exmmpeancs on the Fropeny. (>) I¢ payments OF ground Tea’ or the

Erapeny, sip: (6) premncs fr soy and al ima mati oy Lente vader Serion 8 abd
(6) MoRyaes Instrance preminmd, ¥ aay, or any Sams paybec by Borrower to Lente in Bev of the
Fein in smsorcanss was the provssiom: of Section 0, These Bam

Loon, Lender i:

 

 

 

 

  

a nous of uooeat 0 oe pox unc the Semuon Sotromer Sa pay Looe ie Sams for Secrow
HESS Stans Seta TST LE SSS Se SS

  
   

sti ume penal Lanes ety gue. Eerowsss Obigeon ie mass isn povTen ane
provite resins Shafi for ull surpote. br Geamee te 06 2 covEnUSt and agreamsn: comisines fo itis
Seourny insimermes. a Me press ‘covemnt ost mpromen” = moet mt Seuos $f Borows &

 

 

   

 

Stay at aby tine, cotton anc hoe Bese sb sous) inal te perm Lender
we sppy as Se ay We under RESPA, uno (b) Ao 1b Gemced tes mem amoue!
+ ishder can Teguire uncer RESYA. Lender Anak estunate toe omouy. of Fundy Gur ar tae best ot
AACR Gxt amd retsomthie erumels of cepondhures of fuere Sserow hems or ommenwiss in
scores wna Applisble Lox

ep ‘istfuues waoss aeposas ere mented oy 2 seasral epengy,

  
 

Seal nol be feesires 22 pet corning
Gan apes = wot nowevic, thin intores stall be oid on tis Fucos Lender shall pa to Borrower,
without charge, en tna: scgountne of the Funer = renuure! by RESTA

E Short's's sexpins of Fines bolt im escrow, os anfined updcr RESPA, Lender shall secoast we
Borrower ‘lor themes fants ix xccortant with RESPA there 2 2 snomage of Sunes hels S

 

    

 

9 uncer
RESPA. Lunde; shal soviy Borrower pe requires py RESPA sat Soroer Sl by te Leon
amosn! acosian (0 make op tee dstioenty in Secordenos wi
smoathe payments,

Upas paymen: set of al poms eae be the Seman inezememe, ence sel prampee

   

 

Cemeesy Lieses Borrower fea pay a! ec, anserentnes, mong. Eset i
atupeizis © Se Moos thas ce ama Poamy ons ms Seat ee Scainoie Somers
& spend reas on the Prone f2mp, ‘oé Comsmnin asconation Dos, Sex. ast Assumes, if
say, To the Sao TBE these sete Se Escrow nema Borrower aia! pay cen fe the mana prove
tn Seaiva 2,

‘Borrower shatl promstiy ducers say fs oh bas ptionty eer this Seourr
Bormowa: {s) ages in weling 1 THE payment Of the Obiguor soured Oy tes ben i 2 munDe
secmubic 10 Lemos, bet onby 3 soap as Borrower is performing such epeecment: (p) casters = o>
i poed faite dy, of acfent: gptan enlorozment of the Ue & legal promedines whim is Lenders
Gnimiun gpenic Wo Dievea) the saloneament 6! tae Hes Walle thoes prvcceciny Sr: papeng. Bul On
eink suer proseimp are condlucer; ot (=) seam from we soln, af tse fis a2 Sgeome
Siitacory wo Lenser saborassamas i bth fb the Semunie lagreman. tf mabe ceuernsae 18 ST
Bat Gf tne Fropany u tupite: to x tice watt can emule shomy over Iki Seoemny inermment Lesser
fauy Rive Borrower = anes seemniyang too lice Went JO aye of tos Gtr op whet that noe x
NES Sotower shalf consy the ier er make one or more of tas ection ser torn above m tae
Senge &

Letcer may require Borrower :0 pay s onesie cnargs for 2 sail camie oer verfieraios savor
reporting sarvice used by Lemoer in comsection with thi: Loe

inmramen eles(rope $ of 47)

as mee a

&. Property Jomemnnee. Roowe" shall eecp the emtprovements now eusomp or Roressier emacs
os tht Property meres agatnh 3665 by toe, pasts tackden within the come “extend coverage.” £56
any other Exvzros incmding, by: oor fimitet 1, eurtbouaxes aoc Goots for worm Lenae curs
sssutuacs, Trp opsTasss smn So oueAmeneo oh the exoumts (encuding decucote ievels) andl Jor tno
periods tmx Lenast ternines, Win Lender requires pumuam i ths prescding sentences Gus Sane
denng the wenn of the Lown, Tho, mmsurnee curris: prowilmy ibe imsursaty shall be chosen by
Borrower scoyen 10 Landes righ! i dessgprove Borrowers cnoike. whict rigoi soul! not be srereuse
enmomy, Lender may maze Borrower t0 p,m eoaacmios wnt usb Lous ether fe}
ene-ume ensrg: for fied Zane cemmmpstion, cotiGcaticn aed watkng sevios:
sheree for Good zonc cotermantion ant cericnios serie and mveosost
Femsppins oF similar cnonges ovcur whlen reasonaply mapht aflpt such Qercramstusa oF conifrennon,
Borowar sea ano be retpansibie or tht paymem of any Gees suposed oy the Foner Emereenay
Managemen Agenty m fonnettion with the Tevew of any foo zons ceismtantion resemting from xh
objemion vy Eorowe:.

{f Borrower Sie v0 Hates aay OF toe eoverypes acces avowe, Lester my opinis sateen
soversga o| Lenac’s epton ant Borrowers emsonse. Lender maner np obligman to purses 22)
peracaler Type er mom of Theriors, aust coverups shel) cove Lemos, xt mize or
Eyal noc proves: Borrowes, ‘Borrowers 20m 2 the ? penny.

‘eny Sh aicaro of jinbijity Soc mga: proving greats or lesser mOveruge tan
he imo! the anturaom. coverage $0 ob mit
2

 

 

 

 
  
 

12 Ge oven of om. BesroweT sta ge prema sour « the insiraat carter axe Lonocr.
Lamicl oy Sie Poel ass T om Ete SROEDHE by Socows, Unies Lenser soe Boron

 

 

3 5. promouy, Se ee
pro she ie peer Soe ena PO aS ee a a ae wares
somplece. Uintost on sprotmom is muds in writing or Appiscabis Law reguicm meresi 10 De DSi oF
such insurmece proteem, Lender cot not be requires to bay Sorzowsr any'imisrss or commit 2 sun
procsex, Fea for public adi. or other tue pare, reumes ov Berrower San? got Df pic ot
Of tne amurupor protzeas zat sua! be he sale enbgaioe of Borrow. IW! the femoraters oF repair
pot cconamtaly' fsuripie oF Landes sexumy walks be imsouet, ine msemem proceso: shall be
apelise te ine sums secarse by this Soourny IaStuIreN, weether OF DOL ther que Wr the ome, if
38), Pad #¢ Bortowe:, Such msurunte proces: Saal be upptiee ie the Grae srovaacd for in Seeuon 2

Borrower souneom te Proper, Lena muy Bi toate amet sectis aa awvaiinbie insneanse
amir uno rasiog Daten. If Barone" dom mo: Teron’ with 50 Gayo 6 x aobts fom Lester thes
the itsarase: exrrier bee fiero to semis. clam, then Leaner mesy neyoaac and sects tbe cia. The
Sreay pense wl nent wasn tee nour ¢ Ove In Gites om oF if Losex sequins she Propery
bnes’ Secien 2 or Othsrwise, Borrower Roeoy sssipe to Lente (s) Zotmwert sizht 10 uty
AREAS procweas 8 SS SIMON HO to Smece the smOat wnpac ander the Now or the Sexuny
iperument 280 (0) any omer of Sompwers righ (other thos the right wo apy reiene of vaeemet
Pispies jas Bocrown) une: af supe poles: Gnacing the Proper. anole ato Se
re Sppiizable wo the coverage of t= Propery. Lancer may use is mestubee protec Sher 10 ropa
or rettore the Propeny er 22 poy amoanis cagoic woner the Not OF tht Sosy imsrecoa, wnethot
BF BOL thet a

& Oscupans Borrower scsi: oomepy, oowablist. eed est che Pronecty 2s Bercowers praia!
rescente within 60 exys alter the exscotior of tay Scosmny Imamtinont und shall continue 10 eemupy
the Propeny = Borrowsr’s: prineipal resieccs Jor at sea One yeu Sher We duce of ocoueancy, eeyess
Lanos: oumermse age: Ewing, wore comes: seal: sol br earemonably wae, of umes
‘Heating eremstanss com whiée or boyone Borewcrs coRTOL

   

 

 

 

  

TEXAS - ciope funny «Rane Neaa/Brecae ner UNIROME INSTRUMENT
rom Jose 17m Page % 12 Pagar)Pape6 0 17)

GEE a

 

7 Prosevation, Miizerhanc: ant Prosains pf the Property; iasspections Borrower sil] 20:
destroy, cumage OF Mmpet the Property, allow the Propeny wo ostnomue or comme waste pp tb
Fropeny. Whemer or ao! Borrower is ridoar ip we Propeny. Borvower sha? caine the Propeay
1 OFoet to prevent the Propeny from ceteriociine or Geceucity ie value cus wo it condition Uaias
22.8 aessencnat peresns 10 Sesuon 5 tant reper or reson

 

 

  
 
   

 

Spsromet fo al ome epering or restoans
Purposes, Lender may osiburse soong Prey eg fe
she pros fs Paynes = tr work & sompines ff cme imemune ‘or
(PrOroe art not sutboiek te reper oF resiore the Proper, Borrower i nor rehevee
7 Borrmwer's Sbiggacion for the campiaion of such Teper ar rmhoranion
“Leader of af agent may make PEmioaubis eames Spor Re mpeCTORS of 2h
smoonspis cuss, Lenser may muspest the imienor of the iaprovems=ae os tee Promey
pre Bonawe atice @ tae rene a cr pace te buen ma inten ieapecsoe spocinmmy cee
Fresomubis case
& Barrewer's Lowe Applicutiac, Botrowe: shall b¢ in dthenh & aering the Loan sepisuion
ptbesss, Borrower or gay porions or entinic: amine 21 th: emmauon iO! Sorower or wae Zarrouecs
Enowleng: oF consent gine maeralyy fase mmleaGias, or ieaomarme inionmaun ov malemean 10
Lenosr (6: Isles 29 proviee Lenase sate sostarid intommation) im somicouon wim car Loan Maissial

 

 
  

 

   

Det 25 not Sie 26, Serrover's| ny of the
reas
~ Toes ies tne Propery wef Rises Enc 2
(2 tz) Borrower ixin co perfor tac cOventns, 250 aprccment coctaines = ts ati
) thre 2 tepw peocooning bay mugnl Spmulmany allem Lenecrs were st Lae Progeny Sem
fghn ‘oder tex Schum’ inraman! gure 3 & prosiaaiay = DanKrepS

 

 
  
   

3 lorfenare, for carereisyeni 6!» USS woER ily Busi Brioniy Over tRis Sooaray insrement
salons tne Gr ropuistions) or 18) Borrower ‘na snendence
y o

Sexating the Propery

metenes, DB E nol belles e.ematine Dpeny locks, repioce or Doart

= door, unt window,, armis ware Som sins, efimiiare baling er other code iolahons o7 canprrom
gb

 

actions authomzee
y Lense f inion Geb of Borrow

 

Sf eooalcacine be pat Wit SoG wate upon noe SOM Lanter @ SoTOwe

ee eeScesety eeeememn SOF: teassno, Borrower shall comply with sft the provisions of tho
Wee Fropary, ths Iextchole apd the fee we Seal sot Se

a vaite,

1k, More jasunenes, f Leaas use Mempuge lawrence a» conetioe of pekins the

Lesa, Bortews shail aay ie prelim roasted to malt tne Mommie iasarusce poem

Say fenton, sarge ear segaiet bp Lenter omge to be omiiebe fox

Sorouge wm murat mae sparc
Borrow?

   

 

 

DayeAS iowart tet premio: for Monpage Insu=ance, >

RRUUTO to ODED Soveng: suorantaly equate! 9 ibe Moras beret: provost est, &
= SM seoRERaohy euundion! w ine eat to Borower Mortgur: Inszranée arowonsly = efor,
from ue mkorcate morgage insurer sesemoe Dy Lepes, “Si Ronan esate Monzage teserant=
coveriys m oot saibic. Bpcrowa! Kea) valimer wy Duy 19 Lecter the amoum! of Ws seneatcy

pRstes cet were dus wasa ime iasurene: cowerspe comued io oc ip offen Lancer wil
seeds, wie SDE Tima Unsis paymioct oe 2 eorefsmowss low mesorve 1 hen of MOngSpe Ime
Such lows zene shot be moaeceipoubie, Rowwiinecendeng tho fas: OAR. the Loa> & whiomty pave wt
fish, soc Lencor mat no: be requetoc te pay: Barrbwer by imierest Gr exrmanp OF Sute cost Tesve,
SGer Sn 09 loop oguirs Ios reser: Soyaicat F Mortage curses covers (if we unosa! ane
ior Bie pores tno Lanne: ceases) provid oy 2 laure Seley Fenner apenn peso: waite
b obtzined, sae b 2) the for Maripae
Enurmnet Sona repeces neocons Incuanee  s aopaiios ef many Ge Lone ane Borrow
Bat egeires 19 muir sepomtely exsigentet paymame towar’ tae prem ior Mergage basurunce,
Bortouer sak poy te Seo

 

 

  

 

 

 

ay wrttes apreoman pease BOrTSMe a beac fer mice iemminmzot or mall
iSmumeaos Tenaves by Appesbis Pov, Nothing ocak Sesueh 10 aflecr Zorewers obligzaoe
fe Day mMIENst & the yare growed so tke Note

TEXAS - singe Pex « Panne MmatProcaie Rue UNIFOROE INTRULENT
Form Sone

 

(rage oo! 12 PapasLa Dao Be 37

Marigxgs Jmaurunce seimbunics Lander {or say entty thet purchsses the Now} for eariaip losses
Say wear F Borrower aos not repay the Lown = agrecc. Corower fe nox purty to che Momiguge
‘sedans

Marigage rasurar evilune their som! mstk op alt such iaursate & sores from tits to me, une
say epier Ino Serveroone with other bartie that se or cody thelr fis or reause tomes Theee
agresneny, are Op ier and condom that ore Saisienony 12 tee mongape inet uae the otber
pany (or genic) to these sprcmane,, Thess aprecmens my sequum the morgage insurer 10 ake
aymenc asing Say source Of fonds toni the morgage masorer mmy hove avaiable (waiet moay inode
fond: omained trom Moryare Inatrane: premhrms},
Aso aun of these apmement, Longe. aby purchaser of the NOLL another insures, any
FeINGUTE, shy ORE cathy, OF eny aiflizie of azy of iat foreoint, may reeves (aMeaDy oF indecUs

civ from (ar més! be macamarasc a2}2 poruce of Eezrowers payment fo- Mongage
dromunm, ip ortmenpe [or akerae of modiiving ine MONyge ier’: Tk oF Feoueiny lems. Teese
xproement provies: the: ep eifihes of Lender tains x share Of tne mamurer's nst in srctimge fanz share
9 the premiums gad w te mmr, tee ananpemen & chs: termed “cxpine coimcwce’ Fothe
(2) any sce sercesoonss wil) not afi te wmomas aut Bosrower ma agreed oo par Jar
mmorpape inkurae. GF aay Otaer teria oF the Loss. Such anreemepm wil aot imreane toe ucomat
Borrower wit ow: for Mortrese ineurnce, wad they wil) not entifie Borrower to any read.

1) Apy suc uxprommenss will net dex the Ogos Bocrewer ims. £ apy - wi respec 2 the

 

 
 

 

  

 

Epes.
Marpage imoaranoe premmoms ines were Asanoet = the tus of fcr caneliniion of eerminator.
TL asurament ef MiveDances Promets Fortier. All Mucstancost Prococt arc nercoy
wasignco to end shal} br nate yo Leno, .
toe Propary x Gdmagec. Rt MiscATanabes Proce shill be epaiict! to Testomnins oF sepoxr
af the Pray Kine resioreon or sepur = sscopomimily teusible sné Lenesrs scoohy y mo:

 

 

ig Tar Svert-Of : ou! mons aqnrucion, o: cost is valus of tie Proper, the Muserkuoeows
Specs al be eppbed 10 the sts seemee By che Samy Sestramen:, wosther or mb: thes dus,
with tne exces, day. patd 20

2 the GER! OF 2 Pras! raking, aeveruTioa, oF JOS i veut of the Propeny iz weed the fart
rierkst viloe oF the Proper unmectitely before te sonnel king, destrveyOs, or IO w vale is oval
Yo oF grouict Lnaz the amount of toe sites seonred py tos Securiy instrament immediacy pafore tbe
atta incap dextTuction, of loss in value, unis Rorower Sad Lonaer osiarwise apres > wrnimp.
ums staureé by tat Sequiy Inerzracn: soa!) be remnted oy ins amoun: of the Misrelianmors &
Eustiplice by the fpllowray, beeube: (5) thr tom unout: 6f the stm Semwet semadarey: baler
ere! midi oocremion, © toe wee divided (0) woe Ser mare vale of tar Propery
Beste pory velor= the pons) tuking amirusion or loss it VARS Ay bulaars soak oF paC 1

 

 

 

 

 

Jb er event of s pers! slang, omoasuor, cr loss 25 walns of tne Froperte x whic te dak
sams: value of the Property ummeniaveny’ bators the parti? iG SesTEion Ci Hoss & salts Les
SEE ns Setewes ane shoes ounapoeae ate a Se ae Cone

 

 

FEXAS.. Smoin Barun + Fema tawlirecce tar UNIEDAL INETROMENT
orm Soe 370% fags 7 8: 12 Progen)apet of 27)

qa —_—

Borrower coal be ip atau ¥ gop suas or proscting, waciner Gi or crise & bayot tosh,
fa Leaders jauigment, cold rem in fortinrs Of the Proneny oF ote: moneriat impamen of
Lepiers cial x Se Property o got sae sks Scsurty rumen, Porrowe: a Sue Gach «
Seleck and f aciicratins fim Demectes relbwane wt provides t= Somion 19. by causing tne acting oF
Sing io be damsel wet» Plt UE @ Lente’ puomec precans (efeitrs of Ie Propsry
& one ‘emu: impure: of Lencers ioreres ie tnd Promeny or signs mes the Seon
Eesomeni hus proceam ef any aware or sham ler cammopes that aie muibatabls © iar aeproeal
Sf Lenders rolersn s the Propeny arc honey assigant abe chal} bt pio 1 Lenace,
AL Miscctuncous P Proccis that siz aol sppbes wo mastbattion Of near of tas Propeny shed be
sppiee i ime orser proves io: Ie Secuco 2
Becrower S Pochenmumss By Lender Not s Waiver. Eximnsion of the ums ior
poses! or moditcoups of amorcaation of te Mae somuee by Ge Seems ienrimm! panic b-
Lenaer te Bomower or any Suosasc” i inwrest of Sonrower sikh not osetate te reicese the obitny
‘of Borrower br aby Sumeson i leteren of Rerrowe Leneer anal a0: ov Teauanes wo commence
procecting: spain! spy Succsssor sm Incomes of Borrower or 7D rofese ip maenc lms tor Saymen: Gr
Gthernice todlly emortiznine of the suns senaree ay ths Seaumity tnseraman: by rato Of Say aemant
ate by DE ssa! Burows &F Spy Seeosor «pions; i Soret, Ady foroeeaaee
i sercinng any gh oF remaoy ipcincing, Ensuton, Levacrs aceepiane of paytnce Boe
Hi Sesh coun ot Seaton ios of Bomoww 91 soabusi Kee wooo the Eman) ios

 

 

 

 

   

   

‘pbligasiaz: 3

Wao Gvrigar thiy Scmanty inrpampent Det Som got cues toe Nate (6 esiesery (Sb SOE

tae Seactny inmrement only wo ORES, PaM.ond copay the cogac's arin oe ta Proper

koaer the forme oF chs Sour ty Jpsirucaens (0) B mpi peonally obligates to poy ine auce soouree
fe OD

 

Sy shew a mele say cease tte of Bone ry astro OF
tet Note wathowl the sSigpens comoo
Subjen to the provsioss of Semin 1 amy Sasexsor i intame of Botrowe: wine sxoum=
-snseeinca:

 

Ai Lemp Ctompes, sLasadot tay change Borrow fou for srvitss oestonbod xb eunneoos win
Astaul 10° she paepose Of prDlening Lance’ jateren m te Progsny aac ngs ance tie
Soonriny lnsmament, soetudinp. bat wos 3S, comes’ fox, propeny menaaias snc vanution fox.
ia repre tw eay othe ech BE anacos of spre autbomny i Us Sealy lasrumen: wo change 2
specil fer ro Socroner sizl! not be comncd 2 2 pronibiiton on the chatmns ef such fee Lonoe
Sy aot canis ost Cat ete presiy prone by She Seny Iasi OF by Alisa Lou,
X the Locos subject 12 ¢ Ew whicn sen condmam ier conrges, 20 cha te i Sally
mmuxprewe'so the: the interes: of othe toon abergcs coficetet or to be collcees fp conection with
the Cons soteed ‘the permitted Hout, She: (5) Yess charge soall be reaused by the somoes!

   

 

  

Borrower waich pert
thy: refsne ay reouerag the atinespa} owne smasr the Nowe or Dy exec
If fefune feouess Srincpal the secumdos will be Nomct ss > parse prebeymesl Win