ACCEPTED 06-14-00105-cv SIXTH COURT OF APPEALS TEXARKANA, TEXAS 4/28/2015 2:54:06 PM DEBBIE AUTREY CLERK NO. 06-14-00105-CV __________________________________________________________________ FILED IN 6th COURT OF APPEALS IN THE SIXTH COURT OF APPEALS TEXARKANA, TEXAS TEXARKANA, TEXAS 4/28/2015 2:54:06 PM __________________________________________________________________ DEBBIE AUTREY Clerk PLETZE BROWN, JR. Appellant, V. CITIMORTGAGE, INC. Appellee. ____________________________________________________________ From the County Court at Law No. 2, Dallas County, Texas Trial Court No. CC-14-04645-B Honorable King Fifer, Judge Presiding _____________________________________________________________ BRIEF OF APPELLEE CITIMORTGAGE, INC. __________________________________________________________________ Mark D. Hopkins Texas State Bar No. 00793975 Shelley L. Hopkins Texas State Bar No. 24036497 HOPKINS & WILLIAMS, PLLC 12117 Bee Caves Rd., Suite 260 Austin, Texas 78738 (512) 600-4320 – Telephone (512) 600-4326 – Facsimile [email protected] [email protected] ATTORNEYS FOR APPELLEE April 28, 2015 IDENTITIES OF PARTIES AND COUNSEL

Pursuant to Texas Rule of Appellate Procedure 38.2(a)(1), Appellee certifies that the following is a complete list of all parties and counsel:

1. Appellee: Citimortgage, Inc. Represented at trial: Lauren Christoffel Texas State Bar No. 24065045 15000 Surveyor Boulevard Addison, Texas 75001 (972) 340-5343 (972) 341-0734 (Facsimile) [email protected]

Represented on appeal by: Mark D. Hopkins Texas State Bar No. 00793975 Shelley L. Hopkins Texas State Bar No. 24036497 Hopkins & Williams, PLLC 12117 Bee Caves Rd., Suite 260 Austin, Texas 78738 (512) 600-4320 – Telephone (512) 600-4326 – Facsimile [email protected] [email protected] 2. Appellant: Pletze Brown, Jr. Pro Se Appellant 2412 Poinciana Lane Dallas, Texas 75212 3. Trial Judge: Hon. King Fifer County Court at Law No. 2 Dallas County, Texas

ii TABLE OF CONTENTS IDENTITIES OF PARTIES AND COUNSEL .............................................. ii TABLE OF CONTENTS ..............................................................................iii INDEX OF AUTHORITIES ......................................................................... iv STATEMENT OF THE CASE ...................................................................... 1 ISSUES PRESENTED ................................................................................... 2 STATEMENT OF FACTS ............................................................................. 3 SUMMARY OF THE ARGUMENT ............................................................. 4 ARGUMENT AND AUTHORITIES............................................................. 6 ISSUE NO. 1 There Is Sufficient Evidence To Support The Trial Court’s Determination That Appellee Has A Superior Right To Immediate Possession Of The Property.................................................................. 8 ISSUE NO. 2 Did Appellant’s Challenge To The Validity Of The Foreclosure Sale Of The Property Deny The Trial Court Jurisdiction To Proceed With The Forcible Detainer Action When The Deed Of Trust Created A Tenancy At Sufferance Post-Foreclosure ................. 10 ISSUE NO. 3 As Appellee Filed Its Forcible Detainer Action A Month After Sending Notice To Vacate To Appellant, Did Appellee File Suit Within The Applicable Limitation Period Provided By Tex. Civ. Prac. & Rem. Code § 16.003 .............................................................. 15

CONCLUSION............................................................................................. 17 CERTIFICATE OF SERVICE ..................................................................... 18 CERTIFICATE OF COMPLIANCE ............................................................ 19 APPENDIX................................................................................................... 20

iii INDEX OF AUTHORITIES Cases Page(s) Aguero v. Ramirez, 70 S.W.3d 372 (Tex. App.-Corpus Christi 2002, pet. denied) ............................. 6 Bierwirth v. Fed. Nat. Mortg. Ass’n., 2014 WL 902541 (Tex. App. – Austin 2014)(mem. op.)................................... 10 Black v. Washington Mut. Bank, 318 S.W.3d 414 (Tex. App.–Houston [1st Dist.] 2010, pet. dism’d w.o.j.)......... 7 Brown v. CitiMortgage, Inc., 472 Fed. Appx. 302 (5th Cir. 2012) ...................................................................... 3 Clarkson v. Deutsche Bank Nat’l Trsut Co., 331 S.W.3d 837 (Tex. App.—Amarillo 2011, no pet) .......................................... 9 Fandy v. Lee, 880 S.W.2d 164, (Tex. App.–El Paso 1994, no writ) ............................................ 7 Federal Home Loan Mortg. Corp. v. Pham, 2014 WL 5034638 (Tex. App.—Houston [14th Dist.] Oct. 9, 2014, no pet.) ... 16 Fleming v. Fannie Mae, 2010 WL 4812983 (Tex. App.—Waco 2010, no pet.) ........................................ 13 Haith v. Drake, 596 S.W.2d 194 (Tex. App.–Houston [1st Dist.] 1980, writ ref’d n.r.e.) ........... 12 Hartzog v. Seeger Coal Co., 163 S.W. 1055 (Tex. Civ. App.–Dallas 1914, no writ) ....................................... 12 Home Sav. Ass’n v. Ramirez, 600 S.W.2d 911 (Tex. Civ. App.–Corpus Christi 1980, writ ref’d n.r.e)....... 7, 11 Hong Kong Dev., Inc. v. Nguyen, 229 S.W.3d 415 (Tex. App.–Houston [1st Dist.] 2007, no pet.) .......................... 7 iv Hornsby v. Secretary of Veterans Affair, 2012 WL 3525420 (Tex. App.—Dallas 2012) .................................................. 8, 9 Jaimes v. Federal Nat. Mortg. Ass’n, 2013 WL 7809751 (Tex. App. – Austin 2013)(mem. op.) ................................. 10 Martinez v. Beasley, 572 S.W.2d 83 (Tex. Civ. App.–Corpus Christi 1979, no writ) ........................ 12 Masaad v. Wells Fargo, N.A., 2015 WL 410514 (Tex. App. – Austin 2015) .................................................... 16 Mayhew v. Town of Sunnyvale, 964 S.W.2d 922 (Tex. 1998) ................................................................................. 6 McLemore v. Pacific Southwest Bank, 872 S.W.2d 286 (Tex.App.—Texarkana 1994, writ dism'd by agr.) .................. 14 Middleton v. Crestar Mortgage Corp., 2000 WL 298694 (Tex. App.—Austin 2000, no pet.) ....................................... 13 Mitchell v. Citifinancial Mortg. Co., 192 S.W.3d 882 (Tex. App.—Dallas 2006, no pet.) ............................................. 9 Owens-Corning Fiberglas Corp. v. Malone, 972 S.W.2d 35 (Tex. 1998) ................................................................................... 6 Powelson v. U.S. Bank Nat'l Ass'n, 125 S.W.3d 810 (Tex. App.—Dallas 2004, no pet.) ............................................. 9 Puentes v. Fannie Mae, 350 S.W.3d 732 (Tex. App.—El Paso 2011, pet. dism'd) .................................. 16 Rice v. Pinney, 51 S.W.3d 705 (Tex. App. – Dallas 2001, no pet.) .................................. 8, 11, 12 Rodriguez v. Citimortgage, 2011 WL 182122 (Tex. App.—Austin 2011, no pet.) ........................................ 12

v Schlichting v. Lehman Bros. Bank FSB, 346 S.W.3d 196 (Tex. App.—Dallas 2011, no pet.). ......................................... 12 Scott v. Hewitt, S.W.2d 816 (Tex. 1936) ........................................................................................ 6 Shutter v. Wells Fargo Bank, 318 S.W.3d 467 (Tex. App.—Dallas 2010, pet. dism'd w.o.j.)........................... 12 Singha v. Federal National Mortgage Association, 2015 WL 1477930 (Tex. App.—Dallas 2015)...…………………………...11 Williams v. Bank of New York Mellon, 315 S.W.3d 925 (Tex. App.—Dallas 2010, no pet.) .......................................... 12 Yarto v. Gilliland, 287 S.W.3d 83 (Tex. App.—Corpus Christi 2009, no pet.) ............................ 13, 14 Statutes Page(s)

TEX. CIV. PRAC. & REM. CODE § 16.003 ............................................................. 2, 15 TEX. CIV. PRAC. & REM. CODE § 16.035(d) ............................................................ 14 TEX. CIV. PRAC. & REM. CODE §16.003(a) ............................................................. 16 TEX. CIV. PRAC. & REM. CODE §16.035 .................................................................. 15 TEX. CIV. PRAC. & REM. CODE §16.035(a) ............................................................. 15 TEX. CIV. PRAC. & REM. CODE §16.035(b) ............................................................. 14 TEX. PROP. CODE § 24.002 .................................................................................. 7, 16 TEX. PROP. CODE §24.004 ......................................................................................... 7 TEX. PROP. CODE §24.005 ......................................................................................... 7

vi STATEMENT OF THE CASE This is an appeal by Pletze Brown, Jr. (“Appellant”) from a final summary judgment (CR 128) entered by the County Court at Law Number Two in Dallas County, Texas, granting CitiMortgage, Inc. ("Appellee") immediate possession of property located at 2412 Poinciana Lane, Dallas, Texas 75212 (the "Property").

CitiMortgage purchased the Property at a foreclosure sale on October 6, 2009.

Brown appeals the Judgment awarding CitiMortgage possession of the property (Appendix Ex. A) on the grounds that, the underlying foreclosure sale was invalid and that CitiMortgage did not bring its forcible detainer action within the applicable statute of limitation.

CitiMortgage filed a Forcible Entry and Detainer action on August 22, 2014 (CR 6-24). On September 5, 2014, the Justice Court, Precinct 5-2, Dallas County Texas entered judgment for CitiMortgage (CR 28). On September 8, 2014, Brown filed an appeal bond to appeal the judgment in favor of CitiMortgage. (CR 29).

On appeal in the County Court at Law No. 2, Dallas County, Texas, CitiMortgage filed a Motion for Summary Judgment on October 9, 2014 (CR49- 108). The court set motion to be heard by submission for November 17, 2014 (CR 109). Brown filed a Response to Summary Judgment on November 10, 2014 (CR – 127). The court granted CitiMortgage’s Motion for Summary Judgment on November 18, 2014 (CR-128).

ISSUES PRESENTED

I. Did the Trial Court appropriately enter judgment for Appellee on its forcible detainer suit based upon the documents admitted into evidence establishing Appellee’s superior right to immediate possession of the Property, such evidence being: (a) a deed of trust with tenancy at sufferance clause, (b) a substitute trustee’s deed, and (c) a notice to vacate?

II. Did Appellant’s Challenge to the Validity of the Foreclosure Sale of the Property Deny the Trial Court Jurisdiction to Proceed with the Forcible Detainer Action When the Deed of Trust Created a Tenancy at Sufferance Post-Foreclosure?

III. As Appellee Filed its Forcible Detainer Action a Month After Sending Notice to Vacate to Appellant, Did Appellee File Suit within the Applicable Limitation Period Provided by Tex. Civ. Prac. & Rem. Code §16.003?

STATEMENT OF FACTS Brown executed a Deed of Trust 1 dated October 16, 2002 (CR 57-82) (Appendix Ex. B) securing his loan of $143,313.00 from KB Home Mortgage Company with property commonly known as 2412 Poinciana Lane, Dallas, Texas 75212 (“the Property”). The Property was foreclosed after Brown failed to pay his residential mortgage; Appellee purchased the Property at a foreclosure sale on October 6, 2009. (CR 83). Brown filed a district court lawsuit challenging the foreclosure of the Property and judgment was rendered against Brown in that lawsuit on November 10, 2011 See Pletze Brown & Jesse Brown v. CitiMortgage, Inc., et al., Case No. 3:11-cv-01102-K, In the Northern District of Texas, Dallas Division, affirmed on appeal by Brown v. CitiMortgage, Inc., et al.; 472 Fed. Appx. 302 (5th Cir. 2012) .

After resolution of the district court lawsuit (which took considerable time) CitiMortgage served Brown with a Notice to Vacate via certified mail. (CR 91– 98) (Appendix Ex. D). The Notice to Vacate advised Brown that if he did not vacate the premises CitiMortgage would be filing a forcible detainer suit. Brown

Appellant became a tenant at sufferance after foreclosure pursuant to Section 22 (“Acceleration; Remedies”) of the aforementioned Deed of Trust which reads: If the Property is sold pursuant to this paragraph 22, Borrower or any person holding possession of the Property through Borrower shall immediately surrender possession of the Property to the purchaser at that sale. If possession is not surrendered, Borrower or such person shall be a tenant at sufferance and may be removed by writ of possession or other court proceeding. (Appendix Ex. B, at Section 22) (emphasis added). failed to vacate the Property and CitiMortgage filed a Petition for Forcible Detainer in the Justice of the Peace Court, Precinct No. 5, Position No. 2, Dallas County, Texas on August 22, 2014, seeking possession and costs of suit. (CR 6 - 24). On September 5, 2014, the Justice Court held a bench trial and entered Judgment granting possession of the premises to CitiMortgage (CR 28).

Brown appealed to the County Court at Law Number Two in Dallas County, Texas. CitiMortgage moved for summary judgment based upon the summary judgment evidence of the Deed of Trust creating a tenancy at sufferance post foreclosure, the Substitute Trustee’s Deed, and the Notices to Vacate sent to Brown. Brown filed a summary judgment response asserting that he believed the underlying foreclosure sale was defective. The Trial Court granted summary judgment in favor of CitiMortgage, on November 18, 2014. (CR 128) It is from this judgment that Brown now appeals.

SUMMARY OF THE ARGUMENT

Evidence Supports Judgment in Favor of Appellee. The Trial Court’s judgment in favor of Appellee is supported by sufficient evidence showing Appellee’s superior right to immediate possession of the Property. Appellee introduced documentary evidence showing that: (1) it had purchased the Property at a foreclosure sale, (2) that the Deed of Trust to the Property made Appellant a tenant at sufferance after the foreclosure, (3) that Appellee demanded that

Appellant vacate, and (4) that Appellant refused to do so. Appellant produced no evidence that would suggest that the Trial Court’s decision is so contrary to the overwhelming weight of the evidence as to be clearly wrong and manifestly unjust.

Jurisdiction of the Justice Court Over a Forcible Detainer. Pro se Appellant’s brief is somewhat unclear and confuses various legal concepts involving foreclosure with those involving the process of eviction. Appellant confuses “seeking possession of property” with that of “foreclosing on the property”. Appellant asserts that the Trial Court lacked jurisdiction over the forcible detainer action because of supposed problems with acceleration of Appellant’s mortgage obligation pre-foreclosure. However, it is well settled that a forcible detainer action is cumulative, not exclusive, of other remedies that a party may have. Even when a lawsuit is pending in a district court challenging the validity of a foreclosure sale, a county court has jurisdiction to determine the issue of possession to the property between the parties during the pendency of the district court lawsuit where the deed of trust creates a tenancy at sufferance relationship.

Statute of Limitations on a Forcible Detainer Action is Two Years.

Appellant argues that CitiMortgage’s limitation period within which it had to commence its forcible detainer action is calculated from the date that Appellant’s mortgage was accelerated in 2009. Appellant is incorrect. An action for forcible

detainer has a two-year limitations period. A cause of action for forcible detainer accrues only after lawful demand to vacate has been properly sent to a party such as Appellant.

ARGUMENT AND AUTHORITIES I. Standard of Review

With respect to Appellant’s assertion that the Trial Court lacked subject- matter jurisdiction over the forcible detainer action, the Court reviews such questions of law under the “de novo” standard of review. See Aguero v. Ramirez, 70 S.W.3d 372, 373 (Tex. App.—Corpus Christi 2002, pet.denied); Mayhew v. Town of Sunnyvale, 964 S.W.2d 922, 928 (Tex. 1998)(subject-matter jurisdiction).

With respect to Appellant’s objection to the summary judgment evidence, the Court reviews a trial court’s evidentiary decisions under an abuse of discretion standard. Owens-Corning Fiberglas Corp. v. Malone, 972 S.W.2d 35, 43, (Tex. 1998).

II. Nature of a Forcible Detainer Action The forcible detainer action was created to provide a speedy, simple and inexpensive means for resolving the question of the right to immediate possession of real property without resorting to an action upon the title. Scott v. Hewitt, S.W.2d 816, 818-19 (Tex. 1936); Rice v. Pinney, 5l S.W.3d 705, 708 (Tex. App.— Dallas 2001, no pet.).

Thus, “the sole issue in a forcible detainer action is who has the right to immediate possession of the premises.” Rice, 51 S.W.2d at 708; see also Fandy v. Lee, 880 S.W.2d 164, 168 (Tex. App.–El Paso 1994, no writ); Black v. Washington Mut. Bank, 318 S.W.3d 414 (Tex. App.–Houston [1st Dist.] 2010, pet. dism’d w.o.j.). No other issues, controversies or rights of the parties related to the property, including title, can be adjudicated in such a suit. Hong Kong Dev., Inc. v. Nguyen, 229 S.W.3d 415, 434 (Tex. App.–Houston [1st Dist.] 2007, no pet.). In simpler terms, a forcible detainer suit asks one simple and specific question: “who has right to possess the property now?” Black, 318 S.W.3d at 417.

A justice court and, on trial de novo, a county court have been given exclusive jurisdiction to decide the merits of a forcible detainer action.2 Tex. Prop.

Code §24.004; Home Sav. Ass’n. v. Ramirez, 600 S.W.2d 911 (Tex. Civ. App. – Corpus Christi, 1980); Rice v. Pinney, 51 S.W.3d 705 (Tex. Civ. App. – Dallas,

The elements of a forcible detainer action are spelled out by statute. Specifically, (a) A person who refuses to surrender possession of real property on demand commits a forcible detainer if the person: (1) is a tenant or a subtenant willfully and without force holding over after the termination of the tenant’s right of possession; (2) is a tenant of a person who acquired possession by forcible entry.

(b) The demand for possession must be made in writing by a person entitled to possession of the property and must comply with the requirements for notice to vacate under Section 24.005.

TEX. PROP. CODE § 24.002

2001). The aforementioned jurisdiction cannot be infringed as long as the court merely determines possession. See, Ramirez at 913.

III. ISSUE NO. 1 THERE IS SUFFICIENT EVIDENCE TO SUPPORT THE TRIAL COURT’S DETERMINATION THAT APPELLEE HAD A SUPERIOR RIGHT TO IMMEDIATE POSSESSION OF THE PROPERTY.

Exactly as is the circumstance herein, “Forcible detainer occurs when a person, who is a tenant at sufferance, refuses to surrender possession of real property after his right to possession has ceased.” Tex. Prop. Code §24.002(a)(2); Aspenwood Apartment Corp. v. Coinmach, Inc., 349 S.W.3d 621, 632 (Tex. App.—Houston [1st Dist.] 2011, pet. denied). To prevail in its forcible detainer action, Appellee was not required to prove title at trial, but was only required to show sufficient evidence of ownership to demonstrate a superior right to immediate possession. Rice at 709.

The Dallas Court of Appeals, in Hornsby v. Secretary of Veterans Affairs3 succinctly set out what is required of a litigant to meet its burden of proof in a forcible detainer action. 2012 WL 3525420 (Tex. App.—Dallas 2012, no pet.) (mem. op.). In Hornsby, the Court set out that, “To prevail on its claim [movant] was required to present more than a scintilla of evidence showing it had a right to possession of the property, [non-movant’s] right of possession had ended, and

2012 WL 3525420 (Tex. App.—Dallas 2012, no pet.) (mem. op.)

[non-movant] refused to vacate.” Id. at *5. The Court provided that a movant can meet its burden of proof by introducing the very same class of documents that were used to establish Appellee’s claim herein. The documents sufficient to establish the elements of a cause of action for forcible detainer are: (1) a deed of trust that establishes a tenancy at sufferance relationship post-foreclosure (CR 57-82) (Appendix Ex. “B”), (2) a substitute trustee’s deed (CR 83) (Appendix Ex. “C”), and (3) notices to vacate sent to the tenant at sufferance (CR 92-97) (Appendix Ex. “D”). See Hornsby at *5; Clarkson v. Deutsche Bank Nat’l Trust Co., 331 S.W.3d 837, 840 (Tex. App.—Amarillo 2011, no pet); Shutter v. Wells Fargo Bank, N.A., 318 S.W.3d 467, 471 (Tex. App.—Dallas 2010, pet. dism’d w.o.j).

The appellate record in this case squarely reflects that Appellee met its burden of proof in establishing its right to immediate possession of the Property in this forcible detainer action.

Appellant failed to introduce any evidence of a superior right to possession of the Property, and the Trial Court did not err in finding that the Deed of Trust (with tenancy at sufferance clause), Substitute Trustee’s Deed, and written notices to vacate sufficiently established Appellee’s superior right to possession of the Property. See Mitchell v. Citifinancial Mortg. Co., 192 S.W.3d 882, 883 (Tex. App.—Dallas 2006, no pet.); Powelson v. U.S. Bank Nat'l Ass'n, 125 S.W.3d 810, 812 (Tex. App.—Dallas 2004, no pet.); Rodriguez v. Citimortgage, 2011 WL

9 182122 (Tex. App.—Austin 2011, no pet.) (mem. op.) (holding substitute trustee’s deed, deed of trust and notices to vacate sufficient evidence to establish superior right of possession post-foreclosure) (mem. op.); Jaimes v. Federal Nat. Mortg.

Ass’n, 2013 WL 7809751 (Tex. App.-Austin 2013, no pet.) (mem. op.); Bierwirth v. Fed. Nat. Mortg. Ass’n., 2014 WL 902541 (Tex. App.–Austin 2014, no pet.) (mem. op.). For these reasons, the Trial Court’s judgment awarding possession of the Property to Appellee should be affirmed.

IV. ISSUE NO. 2 DID APPELLANT’S CHALLENGE OF THE VALIDITY OF THE FORECLOSURE SALE OF THE PROPERTY DENY THE TRIAL COURT JURISDICTION TO PROCEED WITH THE FORCIBLE DETAINER ACTION WHEN THE DEED AT TRUST CREATED A TENANCY AT SUFFERANCE POST- FORECLOSURE Appellant asserts that an “acceleration defect” impacting the underlying foreclosure sale raised an issue with title to the Property sufficient to rob the Trial Court of jurisdiction over the forcible detainer action. See Appellant’s Brief, at 2.

Specifically, Appellant asserts that since CitiMortgage accelerated the underlying mortgage note in 2009, that CitiMortgage is prohibited from attempting to take possession of the Property in 2014 by way of the forcible detainer action. As Appellant has challenged the subject matter jurisdiction of the Trial Court CitiMortgage appreciates Appellant’s argument to be that the Trial Court was

precluded from determining the issue of possession without first determining the issue of title.

Less than one month ago the Dallas Court of Appeals Court issued a memorandum opinion in Singha v. Federal National Mortgage Association; Case No. 05-13-01518-CV, that literally could be cut and pasted into this case. In Singha, the appellant argued that because the lender breached the deed of trust the foreclosure sale was invalid. As such, the “case involves a question of title, the trial court lacked subject matter jurisdiction to enter a judgment.” Singha at 5.

The appellant therein went on to assert, “that the issues of title to the property and possession of the property are so inseparable that it is unreasonable to determine possession without first determining who holds its title.” Id. The Singha court set out very clearly that, A justice court or county court of law is not deprived of jurisdiction in a forcible detainer lawsuit merely because of the existence of a title dispute. Id. at 712. In fact, in most cases the right to immediate possession can be determined separately from the right to title. Id. at (legislature contemplated concurrent actions in the district and justice courts to resolve issue of title and immediate possession in cases challenging the validity of a trustee deed)4. The trial court is

A forcible detainer action is not exclusive, but cumulative, of any other remedy that a party may have in the courts of this state, and the displaced party is entitled to bring a separate suit in the district court to determine the question of title. Rice v. Pinney, 5l S.W.3d 705, 708 (Tex. App.—Dallas 2001, no pet.); Home Sav. Ass’n v. Ramirez, 600 S.W.2d 911, 913 (Tex. Civ. App.–Corpus Christi 1980, writ ref’d n.r.e); Martinez v. Beasley, 572 S.W.2d 83, 85 (Tex. Civ. App.–Corpus Christi 1979, no writ). The Texas Legislature purposely established a system for parallel, concurrent actions in the district and justice courts to resolve issues of title and immediate possession, respectively. Scott v. Hewitt, S.W.2d 816, 818-19 (Tex. 1936); Rice, 51 S.W.2d at 708. Thus, forcible detainer actions in justice court may be brought and prosecuted only deprived of jurisdiction if the determination of the right to immediate possession necessarily requires the resolution of a title dispute. Id. at 712; Schlichting v. Lehman Bros. Bank FSB, 346 S.W.3d 196, 199 (Tex. App.—Dallas 2011, no pet.). Singha at 5-6. The Court went on to articulate that the foreclosure of property pursuant to the deed of trust created a landlord and tenant-at-sufferance relationship between the parties and it was not necessary for the trial court to resolve the title dispute in order to determine the right of immediate possession.

Id.; relying on Rice v. Pinney, 51 S.W.3d 705 (Tex. App. – Dallas 2001, no pet.).

The Dallas Court of Appeals’ reasoning in Singha is in line with numerous other Texas appellate courts, which have held that an appellant is barred from attacking a foreclosure sale purchaser’s title within a forcible detainer action. See e.g., Shutter v. Wells Fargo Bank, 318 S.W.3d 467, 470 (Tex. App.—Dallas 2010, pet. dism'd w.o.j.) (validity of foreclosure and sale cannot be challenged in forcible detainer proceeding); Williams v. Bank of New York Mellon, 315 S.W.3d 925, 926– (Tex. App.—Dallas 2010, no pet.) (same); Rodriguez v. Citimortgage, 2011 WL 182122, *3 (Tex. App.—Austin 2011, no pet.) (memo. op.) (same); Fleming v. Fannie Mae, 2010 WL 4812983, *5 (Tex. App.—Waco 2010, no pet. h.) (mem. op.) (same); Middleton v. Crestar Mortgage Corp., 2000 WL 298694, *4 (Tex.

concurrently with suits to try title in district court. Rice, 51 S.W.2d at 708; Haith v. Drake, 596 S.W.2d 194, 196 (Tex. App.–Houston [1st Dist.] 1980, writ ref’d n.r.e.); Hartzog v. Seeger Coal Co., 163 S.W. 1055, 160 (Tex. Civ. App.–Dallas 1914, no writ); Rodriguez v. Citimortgage, 2011 WL 182122 (Tex. App.—Austin 2011, no pet.)(mem. op.).

App.—Austin 2000, no pet.) (mem. op.) (same).

The Singha court echo’s the San Antonio Court of Appeals (in Dormandy v. Dinero Land & Cattle Co.5) and the Corpus Christi Court of Appeals (in Yarto v. Gilliland6) in providing that where a deed of trust creates a tenancy at sufferance relationship post-foreclosure, that relationship alone provides a basis for determining possession without addressing the issue of title.

Even if Appellant’s “title dispute” were examined on its merits, Apellant’s legal argument is patently ineffective to establish his basis for title ownership in the Property.7 Acceleration of the debt (as stated by Appellant within his brief) was

The San Antonio Court of Appeals in Dormady v. Dinero Land & Cattle Co. stated, That is not the situation in this case where a landlord-tenant relationship is established in the original deed of trust. The landlord-tenant relationship provides a basis for determining the right to immediate possession without resolving the ultimate issue of title to the property. In short Dormady has the right to sue in district court to determine if the trustee’s deed should be cancelled…independent of the trial court’s determination in the forcible detainer action that [purchaser at foreclosure sale] is entitled to immediate possession. Dormady v. Dinero Land & Cattle Co. held, “ L.C., 61 S.W.3d 555 (Tex. App.—San Antonio 2001, pet. dism’d).

In Yarto v. Gilliland, the Corpus Christi Court of Appeals provided, In most situations, the parties in a forcible detainer suit are in a landlord-tenant relationship. One indication that a justice court, and county court on appeal, is called on to adjudicate title to real estate in a forcible detainer case – and, thus exceed its jurisdiction, is when a landlord-tenant relationship is lacking. Yarto v. Gilliland, 287 S.W.3d 83, 89 (Tex. App.—Corpus Christi 2009, no pet.).

An asserted basis for title ownership that is patently ineffective under the law does not raise the type of “title dispute” that would call the county court’s jurisdiction into question in a forcible detainer action. See generally, Yarto v. Gilliland, 287 S.W.3d 83, 93 (Tex. App.—Corpus Christi 2009, no pet.). on August 28, 2009. See, Appellant’s Brief at 2. Under Texas law, a sale of real property under a power of sale in a mortgage or deed of trust that creates a real- property lien must be made not later than four years after the day the cause of action accrues. Tex. Civ. Prac. & Rem. Code §16.035(b); McLemore v. Pacific Southwest Bank, 872 S.W.2d 286, 292 (Tex.App.—Texarkana 1994, writ dism'd by agr.). When this four-year period expires, the real-property lien and the power of sale to enforce the lien become void. Tex. Civ. Prac. & Rem. Code § 16.035(d).

Per Appellant’s brief the debt herein was accelerated on August 28, 2009 and foreclosure sale conducted October 6, 2009, clearly inside the four-year statute of limitations. See, Appellant’s Brief at 8.

At the end of the analysis, Appellant failed to produce any specific evidence of a valid title dispute that would have deprived the Trial Court of jurisdiction.

The foreclosure sale occurred within four years of the mortgagee accelerating the debt and Appellant has stated no other challenge to the foreclosure sale within his briefing. There simply is no evidence that title and possession are so intertwined as to deprive the Trial Court of jurisdiction because a landlord-tenant at sufferance relationship exists between Appellant and Appellee that provides a basis for determining possession without addressing the issue of title.

V. ISSUE NO. 3 AS APPELLEE FILED ITS FORCIBLE DETAINER ACTION A MONTH AFTER SENDING NOTICE TO VACATE TO APPELLANT, DID APPELLEE FILE SUIT WITHIN THE APPLICABLE LIMITATION PERIOD PROVIDED BY TEX. CIV. PRAC. & REM. CODE § 16.003?

Appellant asserts that CitiMortgage is barred by limitations from bringing this forcible detainer action. In reaching his flawed conclusion, Appellant cites the date his underlying mortgage note was accelerated, and he combines that date with the statute of limitation within Tex. Civ. Prac. & Rem. Code §16.035 which addresses that, “A person must bring suit for … the foreclosure of a real property lien not later than four years after the day the cause of action accrues.” Tex. Civ. Prac. & Rem. Code §16.035(a) (emp. added). Based upon the facts as presented by Appellant, the mortagee did in fact foreclose within four years of acceleration of the debt. (acceleration on August 28, 2009 and the foreclosure completed months later in October, 2009).

What Appellant fails to recognize is that a suit for forcible detainer is a different action than one seeking foreclosure. Simply because CitiMortgage purchased the Property at foreclosure sale in 2009 does not in any way prohibit CitiMortgage from waiting to send a lawful demand to vacate (in this case until after a district court lawsuit challenging the foreclosure sale was resolved).

A forcible detainer action is a statutory creature and a cause of action for forcible detainer accrues after lawful demand to vacate is sent to a tenant. The statute of limitations on an action for forcible detainer is two years. See Tex. Civ. Prac. & Rem. Code §16.003(a). For a suit to be timely filed, it must be brought within two years from the date on which the cause of action accrues. Id. The Texas Property Code §24.002 provides that a forcible detainer is committed when a person refuses to surrender possession of real property on demand and each refusal to surrender possession of real property on written demand for possession constitutes a new forcible detainer. Masaad v. Wells Fargo, N.A.; 2015WL410514 (Tex. App. – Austin 2015); also See Federal Home Loan Mortg. Corp. v. Pham, No. 14–13–00109–CV, 2014 WL 5034638, at *5 (Tex. App.—Houston [14th Dist.] Oct. 9, 2014, no pet.) (new and independent cause of action for forcible detainer arises each time person refuses to surrender real property after person entitled to possession delivers proper written notice to vacate); Puentes v. Fannie Mae, 350 S.W.3d 732, 739 (Tex. App.—El Paso 2011, pet. dism'd) (subsequent forcible-detainer action constitutes new and independent action to determine which party had superior right of immediate possession at time suit was filed).

In the present matter, the cause of action accrued at the time in which Appellant refused to vacate the property after lawful demand to vacate on October

21, 2013 and the forcible detainer action was timely filed on September 11, 2014. (CR 8-34).

CONCLUSION

For these reasons, Appellee, CitiMortgage Inc., respectfully requests that this Honorable Court affirm the judgment of the Trial Court. Appellee also requests any other relief to which it may be entitled.

Respectfully submitted, Hopkins & Williams, PLLC 12117 Bee Caves Rd., Suite 260 Austin, Texas 78738 (512) 600-4320 – Telephone (512) 600-4326 – Facsimile [email protected] [email protected] By: /s/ Mark D. Hopkins Mark D. Hopkins Texas State Bar No. 00793975 Shelley L. Hopkins Texas State Bar No. 24036497 ATTORNEYS FOR APPELLEE

CERTIFICATE OF SERVICE I hereby certify that Appellee's Brief for Cause No. 06-14-00105-CV has been forwarded to the following via certified mail, return receipt requested and regular U.S. mail on this 28th day of April 2015:

Via regular U.S. mail and CMRRR# 7012 1640 0001 7114 6357 Pletze Brown Jr. 2412 Poniciana Lane Dallas, Texas 75212 PRO SE APPELLANT

/s/ Mark D. Hopkins Mark D. Hopkins

CERTIFICATE OF COMPLIANCE Pursuant to Texas Rule of Appellate Procedure 9.4(i)(3), the undersigned certifies this brief complies with the type-volume limitations of Texas Rule of Appellate Procedure 9.4.

1. Exclusive of the exemption portions in Texas Rule of Appellate Procedure 9.4(i)(1), the brief contains: 2,935 words.

2. THE BRIEF HAS BEEN PREPARED in proportionally spaced typeface using Microsoft Word 2011 in Times New Roman font, with 14 pitch font for text and 12 pitch font for footnotes.

3. IF THE COURT SO REQUESTS, THE UNDERSIGNED WILL PROVIDE AN ELECTRONIC VERSION OF THE BRIEF AND/OR A COPY OF THE WORD OR LINE PRINTOUT.

4. THE UNDERSIGNED UNDERSTANDS A MATERIAL MISREPRESEN- TATION IN COMPLETING THIS CERTIFICATE, OR CIRCUMVEN- TION OF THE TYPE-VOLUME LIMITS IN TEXAS RULE OF APPELLATE PROCEDURE 9.4, MAY RESULT IN THE COURT’S STRIKING THE BRIEF AND IMPOSING SANCTIONS AGAINST THE PERSON SIGNING THE BRIEF.

/s/ Mark D. Hopkins Mark D. Hopkins

APPENDIX Exhibit “A”: Judgment of Possession dated November 18, 2014 Exhibit “B”: Deed of Trust dated October 16, 2002 Exhibit “C”: Substitute Trustee’s Deed dated October 6, 2009 Exhibit “D” Notices to Vacate dated August 13, 2014

Exhibit ''A'' Judgment of Possession dated November 18, 2014 CAUSE NO. CC-14-04645-B CITIMORTGAGE, INC. § IN THE COUNTY COURT § § § ~ § AT LAW N0.2 § PLETZE BROWN, JR. AND ALL OTHER § OCCUPANTS OF 2412 POINCIANA LANE § DALLAS, TEXAS 75212 § DALLAS COUNTY, TEXAS SUMMARY JUDGMENT On this date, the Court heard Plaintiff's Motion for Summary Judgment. After considering the pleadings, Motion, response, reply and evidence on file, it is the opinion of the Court that Plaintiff's Motion should be granted.

IT IS ORDERED that Plaintiff is entitled to possession of the prentises described in Plaintiff's Original Petition for Forcible Detainer, and have restitution, for which let writ issue, of the premises commonly known as 2412 Poinciana Lane, Dallas, Texas 75212, and legally described, as: BEINGLOT22,BLOCKGG,AMENDEDPIATGREENLEAFVH.LAGEPHASEONE,AN ADDIDONJOTHECIIYOFDAUAS, TEXAS,ACCORDINGTOTHEMAPORSAID ADDffJONASRECORDEDINVOLUME2002144,PAGE1586,MAPREmRDSOFDAILAS COUNIY,1EXAS. <f!; --=-- \ .J v.J.,,,,._-- ~ ~ d··.,... ~ s-« ,- .:P.Q-- .....,...l ~ --n:;:;..- : .,. .-. . . (;t-1' '·~-s"ALL""-""'d. "' ~\\ .:::J.~a..• N\.~ ~ ~~-41--. ~ : RELIEF NOT EXPRESSLY GRANTED HEREIN IS DEN"'::!D. $" tl'\,4......, ..... c_:./ ~~' ·~ SIGNED this I cg' day of fA ,2014.

~~ cc -14-04846-8 CSJD ORDER - SUMMARY JUDGMENT 698783 Page 128

~\l Page l Ill\ Exhibit ''B'' Deed of Trust dated October 16, 2002 .. ·;.·.- (.

Return To: / K8 HOME Mortgage Coapany 2052548 9 7660 South Industrial Nl018 Las Vegas, NV 89139 Attn: Investor Compliance 10/3!102 Deed of hust 3533713 tSS.OO

PrCilllrCd By: KB HOKE Mortgage Company 4800 Fredericksburg Road San Antonio, TX 78229

Order No. 02-5562 ISp1ct Abon Thl1 Un~ }~or 1tuordlftJ: D a t a l - - - - - - - - - Escrow No. 02-5562 12400DU63 DEED OF TRUST ~UN 100072112400046631 NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS OR ITS AUTHORIZED VA Case No. AGENT. LH-49-49-6-943752 DEFINITIONS Words u!Cd in multiple ~lions ur lhis document are defined below and otltcr wmds arc d.:fincd in Sections 3. II, 13, HI. 20 and 21. Ccnain rulc.1 regarding the usage or word!< used in litis document me also provitled ·:·:: in Section 16.

(A) "Srcurity lnstrumtnt" mwns lhis ducwnem, whirh is wut:d October 16, 2002 wgclher with all Riders 10 this docurncm. ~:. (8) "Burrower" is . ~ PletEe Drown JR. and Jessie Brown, Husband and Wife

BomJwcr i.< the grlllllnr under this Sccurlt~· Instrument. (C)"!.onder" is ltB HOME Mortgage Co-.pany l.<:ll(lcr i.~ a corporation organi1~d and c~i.!lting llndcr dtc Jaws ur the state of Illinois

TEXAS·Singlo Farr.llt·F•nnlo llaelfteddlellcc UNIFORM INSTRUMENT WITH IIERS Form 3044 1101 ·,., ~-~-- ·--~'-P PJ~t I cl HI tJ:ttt.. li 11111111 l1P2 I 3 0 4 8 6 9 ~-:"""""'....-..:"'...,...._.~---=-----------·--""" LOAN ft 1240004663 MIN 100072112400046631 L~n~cr's ~<!dress i:; 21650 oxnard Street, Thi~d Floor ~oodland Hills, CA 91367 LA'nd~r indudc.< :my llnl~~r of the Nt!tc who i~ cntitkd I<> r-:<:ci\'C paynornl~ under the Noh~. !OJ "Trustee" is Victor Toledo, 4800 Predricksburg Road, San Antonio, TX 78~29 (F.) "MERS" is Mortgage Elocuonic R~gosU:ttiun Syst\lms, Inc. MliRS i< a ~p:1ra1~ cnllJ<>nllirm ih:u is acting solei)' a< a nnmincc for Lender ami lcnder's succc.<.wrs :md lL<Sogns. M~:RS l< a beneroc:iary undu thi< Srrurity Instrument. MERS is organi1.cd aml c>.i<ling under tho Ia\\·~ crf Delaware, an~ has an :\dclres.< an<ltelcphune number uf P.O. Rnx 2016, Aim. Ml48~01-2026,tcl. (8K!!) ti19-!11ERS. (I') "Not"" mc<UlS the prornis:;ory note signed h)' Bonowcr and dated october 16, 2002 The Note stale.< that Bonow~r owes Lcndtr ONB HUNDRED FORTY THRBB THOUSAND THREE RUJIDRIW THIRTB&:N rr 00/100 ()ollars (U.S. S 14 3 • l l3 • 00 ) 11lus interest. Bunowcr ha.< 11r.omiscd to !>a)' lhis debt in reguk~r Periodk Payments and to pa)'t.lle debt in rull JIOlltotcr lhan Hovamber brat, 21132 . (Gl "Property" mCM~s the J•ropcrly that is dc.scn'bcd below under the heading 'Tmnsli:r of Right~ in !he f'ro[>Crl)'." (U) "Loan" means lhe debt evidenced by d1e Noll:, plus imcrco;l, all)' f>repaymcnt ctlarg.:.s 1111<1 la~e ctmrgcs due under the Note, and nil sums due under this Security lnstrum~nl, plus intcrcsL (I) "Ridors" means all Riders to thi$ Security ln>1rumcnt lloat o.rc .,,,,xut<.'d by Borrower. The fnllowing Riders arc to be executed by Borrnwer Icheck box lL~ applicable]: D Adju,'Uiblc Rate Rider Balloon Rider Condominium Rider [!] Planned llnil Dcvclnpmcnt Rider B Sc'l.'\md Umne Rilkr I-I Family Rider [!]VA Rider D Biweekly Pa)Tncnt Rider (_~ Othcr(s) [sJX-cify] Notice of No Oral Agreements Texas Veteran Land Board Deed of Trust Rider (J) "Applicabk Law" 111~ all controlling applicable fcdcrnl, ~late and h!Cal statutes, regulations. ordinances and admini.<llalivc rules and ord~rs (that have !he cfk-.:1 ur law) as well a.< all applicable final. non-appealabl~ judicial opinions. (K) "Community Association Due.~. Fees, and A!.-mr.nls" mc:ms all dues, fees, aiS<'s.<mcms and other charge.~ that arc impo~ed on Borrower or the Property by a con!lonoiniurn IL<sociatiun, homeowners as.<;Q<:ialion or similar organization. (L) "to:Jectronk: Funds Transfpr" nWllllS any transfer of funds. odoer than a tmnsocliun originated by ctl<'Ck, dm/1, or similar paper insuunlcnt. which is initiat<d through llll electronic wrminal. tclcrhonk instrument, computer, or magnetic 13pe :;o as IIJ ord.:r. insiiUcl, or authmuc a finandal institution 10 debit or credit an account. Such tcm1 inl:lude.<. bu. is nut limited 10, point-of-sale IJIUlsfcrs, muomatcd teller mll'hinc transoction.~. trdiiSfers initiated by telephone, wire uansfcrs, w1d autmnau~l clcuringhou!<C uansfers. (Ml "Esuu,.· llrms" means d1os.: items that nrc dc.<enbcd in Scttion 3. (N) "Ml'l«llanenusl'roc~" mc.ans any compenJiation, sctdcmcnl, award ofd;una~c.\, or JlrOCccds pai<l hy any l11ird party (other lhllll inSlonlltcc pn>c:~-eds paid under !.he cov~mg..:J~ dt!S<:ribcd in Section 5) for: (i) damage to, or destruction ol. the. Property; (ii) comlemnatiun or other !liking of all or lillY 11an nf the Properly; (iii) conveyance in lieu of colltlcrnnation; or (iv) rnisrcprcscnllltinns of. or urnissinns as '"· the value and/m condition of the Pr<'fk!riY. (0) "Murlg~grlnsur"nce" mCOII\S ihsunuoee protC<:ting Lender a;:ainst tJt,, nonpaytncntol,or dafnull on, th~ Lo:tn.

Pa;t2ot tt. ....... P89!§ Form 3044 liOI

Page 58 LOAN H 1240004663 MIN 100072112t00046631 iP) "Puiodit Payment" Jn.!all~ the rcgul~rly sch~dul.:.l illllnunl due lor (i) princi)l:ll and intenl<il u11dor ll1c Note, )llus (ii) nny amount< under S<'Ciion) <If litis Se~:urhy lnstrum~ni- IQ) "RF.'ii'A" mcam d1e Real l'_<tllc Scnlcment f'roco:-durc$ Act (ll U.S.C. Section ?.601 ci s..-q.) nnd iL< imtll~menling rcgol3tion, Rcgul:~lion X (24 CF.R. ntrt 35()(1), a~ UIC)' might be amended (rom lime 111 time. or any addilinoal or ~-uc,cssor lcgi:ilation or regnlauun that governs the same subj(t1 maucr. A~ u.s..'tlm this Security Instrument, "RESPA" refers 10 all re<IUirements and rcstricuons that arc imp<1scd in regard 1o a "fcdcnllly rdaletl mortgage loan" even if the Lmu• dues not qualify as a -federally r~late!l mtmgagc klan" under RE.SPA. (RI "SuccHSOr in lnterHI of borrnwrr" means any p:uty tlml ha< rakcn title 10 d1c Propeny, whclh~r or nul that party has ao;sumed Borrower's ubligation~ under the Note and/or Llris S<<--.Jrity ln~Lrumcnt.

'll(ANSFER OF RIGHTS IN TIUS PROPER"n' The bl:ncfiCiar)· or d1is Sa:urit)' lnstn11nen1 is MERS (sold)· u.~ nomine<! for l.entlcr anti Lemler's suctcssors anti Ll~~igns) and lb~ SLK'Ccssor.> and tl.'l.~igns of fliERS. ·nti5 Security lnslnlmcn~ secures 111 Lender: (i} the rcpayme.nl ur the Loan, and ull rcnc.wnls, cxtcnsions ;md modifications of the Note: ami (ii) the 11e1fmmanc~ nr Borrower's co,·cnanL• and ugrocmcnt• under this Security Instrument and lhe Note. l'or this puq~I!<C. Bo:rowcr irrcvO(ably gr.mL' and conveys Trustee, in uust. wilh power of sale, the following dc,~eribcd prop<:n)' located i11 the Count.y of Dallas ITn>c of llc<lmlin1 J•ri•diciiOill ll'it.mt clll<<Ordln' lulir<litiJDill I/IBlllG LOT 22, BLOCK 00, AHBNDBD PLAT GRBBNI.BAP VlLW.GB PHASB ONB, AK ADDITION TO THII: CITY OP DALLAS, TRDS, ACCORDING TO THB IV.P OP SAID ADDITION AS RKCORDBD IN VOLl.IMB 20021-H, PAGE 1585, MAP RECORDS OP DALLI\S COUNTY, 'l'BXAS.

Parcel ID Numb.!r: 00-17350·000·022-0000 which currently hn.• d1e w.ldr~ or 2(12 Poinciana Lane tSuccll Dalla~ 75212 lZipt"od<J rPropcny Addrtss"i: TOGETHER WITH ~II 1111: IDlpruvemcniS now or 11\'roaftcr crct:tcd on ~ proJ-.ert~·. und all =m~n'-". appurteMn~. anti fixture.~ DO\\" or b..Ycafl!:r a JWI o( the J!fllflCftY. All rcplaccmcllls and arltlilions ;hall at"' be C:OI'"red hy this Steurity ltlqltumcnt. All of tile foregoing i~ referred II) in this Security ln~UtiRICfJLll.• dte 'Ptupcny." BIJITowct understands und agree.~ Utat MERS hold.~ only lc~allillc to tl;c intac~t~ gr;w!Cd by Borrower h1 Ibis Security Instrument. but. if ncr<:S:~Qty to COinJIIy with law or ~uMum. MERS (a.' nominee lor Lender 1111d Lcntkr"s.sm:ccssors anti a:>Signs) b11.• lh~: righl: to cxert·ise any or all of tMse inter~.'!~:!. including, but not limi!OO 1.0, die rigbt to lorll!'l!l~ and sell t11e l'r•rpcrty; and to take :111y actitm ret;\lirtd of Lender inclllliing, but nat limned w, rclca~ing and c:~~~~:dittG lin..• Sl'l:ulll}' lnstrun,~m.

' ·~· · F6 9!? Form 3044 1101

!ir''2 13 0 l~ 3 7 I Page 59 ~~[tt .. DJ.J>(f't"... .-~--· ..·:---~--.-~"..- - . . . ..- '-.

LOAN U 1240004663 MIN 100072112400046631 BORROWER COVENANTS thai Uotruwer is lawfull)' ~~iscd of !he c~UII~ hereby conveyed and has the right to grJnt and cu1wey the l'lopen)' :llld that 111~ l'lnpeny is uncncumoo.:d. cxcc111 ft>r cn~mnbruncc.s of nx·urd. Uum>wcr warr~niS and will <ldcnd generally lh~ lille 10 U•~ Prupcny against all claims :uul demand~. subject to any encumbrance.~ of n.-cmd. nus SECURITY INS'TRUMENT combines nnifonn Cll\'cnant' for national usc and non-unifomc covenant< wilh limited ~ari;ninns hy jurisdiction 1o constinnc n unifonn s..-curity ins1rumcm covering real 11ropcny.

UNIFORM COVENANTS. Borrower and U>lldcr covenant :md agree as follows: I. Payment nr Prlnripal, Interest, R.~w Item.•, Prepayment Char~... nnd Late Chargi'S.

Borrower shull pay when du.: !he principal of, and imercst on, !he debt e\•idenced by the Nmc and any 11rcpayment charge.~ :111d late charges due under lhc Note. Bcmowcr shall also pa)' funds ior E..o;crow Items pur~u:u1t 10 Section 3. Paymc11t~ due under !he Note and litis Security lnsuumcnt shall be made in U.S. currency. Hnwe\·cr, if WI)' check or other instnmlcllt received by Lc.ndcr a.• p~ymcnt under lite NoiC or lhis Security ln.~uumcnt ;_, returned w Lemler unpaid, Lender may require that any or all subscctllr.nt payment• due und.:r lite Note and lhl< Sccnrity ln.<lnlnlcnt be made in one or more of lhc following form~. a.• s;:locled by l..crulcr: (a) ca.•h: (b) money order: (c) ccrlificd chock, bnnk chock, IICa.~urcr·s check or ca.~hi~r·~ check, Plll\'idcd any such chock is drawn upon an institulion who.<e deposit< are insured by a federal agency, inslrUmcnl.alil)", or entity; or (d) El~~uonic Funds Transfer.

Payments arc clccm•·d received hy Lender when r.-:cr.ivcd at 11ic locatiun dcsignatcd in the Nu1r. or a1 such mher location a.< may be de~ignatcd hy Lender in accordance with the notice 11rovl,ions in Section 15.

Lender mny return any payment or partial payment if !he payment or partial pa)lnenl< are insufficient 1o bring lite loan currcnL Lender may acl~pt any payment or partial p-o~ymcnl insufficient to brin~ the IA~an current. willtoul wah· a of any righiS heNutldL'r or prejudice 10 its rig hiS 11> refuse sue II payment or partial payments in the fuiUre. but Lender is not obligated to apply sud• payments allhc time such payment• arc IICL"Cpted. If each Periodic Payment is applied as of iiS sch•'dulcd due elate, then Lender ncccl nut r•ay inlercsl on unapplied funds. Lenclcr may bold ~11ch unapplied funds until Borrower make~ payment 1o bring lhe Loan currcnl If Borrower docs not do so wilhin a rca.unnble period of time, tender shall cilher apply such fund~ or rcmm lhcm lo Borrower. If not applied earlier, such funcl~ will br. applied tn lite out~[;Jnding 1•rincipal balance under the Note immediately 11rior 11> foreclosure. No offsel or claim which Borrower might have now or in !he future ag.uinst U>lldtr shall relie\'C Borrower from making payments due under the No1c and !his Security Instrument or perfomling the covcll311ts and agreements secured by lhis Security ln.~uumcnl 2. Applkation or Pa)ments or Proctteb. Eltcepl iiS olhcrwise described in lhl\ Section 2. all payment~ accepted and applied by l.cndc~ shall be applie-d in the following order or 11rinrily: (a} inlclCst due under ""' Note: (b) principal due under the Note; (c) amount~ due under Se~:ticm 3. Such payments shall he applied to each Periodic Payment in !he order in which it bo::ame due. Any remaining amount< shall be applied rust 10 late charges, second to any other amounts due undC!I' !his St'Oirity Instrument, and lhcn to reduce lhe principal balance or tlle Note.

If U>lldcr receives a 11ayment from Borrower for a dclin•JUent Periodic Payment which includes a suffiCient wnouni!O pay any late charge due, the )Kiywcnl may be applied 10 the delinquent payment and lhe late charge. If more !han one Periodic Payment ;_, outs[;Jnding, Lender may apply any paymem received from Borrow~r 10 die repayment of lhe Periodic !'-dymcnt~ if, lUld 10 !he CXICntlhut, coch payment can be r.aid in full. To the extent that nny cxccs.s exists af1cr lhe paymcru is applied 10 the full pnymcnl of one or more Pe~iodic Payments, such exce...s may be applied to any late charges due. Volunwy prcpaymenl~ shall be applied lirsl to any prepa)·mem charge.~ and th~n as de.;cribcd in !he No ~e.

Any liJlplicatiun of payments. insur.m~e proceeds, or Mistcllancous Prucccd~ to principal du" under lhe Nou: sll.all not extend or JlOSlllOnc d.e clue date, or change tl1e amount, ur lhc Pcriodi.: Puymcnt<.

3. Funds r"r Escruw ltc.ms. Borrower shall pay to l.<!11der on lhc day P.,.-iodic P.•ymcnts are due und~r lite Note. untlllh" Note is paid in full. a sum (the "funds·) 10 prn~·idc for payment or wno~nL~ clue for: (a) lnXC> and :WCSSIDC'nts :ind olher items which can auain priori!)' o"cr ll1i~ Security lnsuumcnt as " lic.11 or encumbrance on the Properly; (b) lca:1chold payments or ground rent< on !he l'loiX>ny, if any: (c) premiums for DIIY IUid all in.,-umrtce rq1uiwl by lf..ndcr under Section S; and (d) Mongagc ln)'Umrtcc premiums. if any. or any sums payable by Borrower 10 l..tndcr in lieu or lite payment of Mongage Insumnce premiums in accordance willt the provisions ol Section 10. These items ate called "Escrow lt~nt..'-" At origination oral any time during !he term of lhc l.oan, Lender lllilY require !hal Cunununily A.~·iiltion Due.s, F~. and AsS(.~Cnts, if any, be es.:rowcd by Borrower, and such dur.J;, fl'CS and U)l!lCS.~nlCIIt< shall be an F.snnw

. . . . . . Qt 11. Fo1m 3044 1101

Page 60 "· ·'t*'·' ', ~-~~ . . . -.. . . . ~--~--~-- . .-·-·. ----~-------~- . . . . ._.,. .,. . . ., . ,. . :--r-.. - ....... - -•. - .......- ••. ~-' .- .......... ~....,.,~J .,..........:--•"--·"~......,. . ----:-·•1$-.' ... ,..._...,_...,..-., .•..•• LOAN 8 1240004663 MIN 100072112400046631 Item. llmmwer shall prumpdy furnish 10 l.~ndcr ull notice.~ of anmllnL~ 10 he pai~ under Ulis Section.

Bonuwcr .:<hall tta)' l..."Jldcr the Funds for li.«:R>I\' Items unless Lender w:~ivcs Borrower's obligation m pay dtc l'und, fur any or alll~~erol\' hem.~. Lender nllly waive Borrower's obligation to pay 111 Ltndcr Fullil• for M)' or all ~row hems nt anr lirnc. Any such w;Uvcr m:1y on I)' be in writing. In d~ event of such w-.Uver, Borrower shall pny diroctly. when and whcr~ payable. lhc amounts due Cor any b,"Crow Items for which payment of Funds ha.~ been wa~vcd by Lcmk'r an~. if l.cn<Jcr rc'Juircs, :<hall luml~h to Lender reccipl~ evidencing SUL'h pa)'lllcnt within such time 11eriod as Lender may r~:<tultc. Borru...·cr's obligation to make such payments ond 10 pmvide rcceipiS shall for aU purposes be dterncd to be a co••cnnnt and :lgn:emcnt contained in !his Socurity Instrument, a.~ lhc phmsc ·co,·cnant and agrument" I~ u:<ed in Section 9. If Borrower is obligate<~ to puy R~row hern5 dirccd)·, pursu:unto a waiver, Md Borrowe.r fails to pay !be runounl due for"" Escrow Item, L.:ndcr rna)' exercise iL~ rights under Sec lion 9 ami pay such nmounl ami flonuwcr shall !hen be obligau:d under Section 9 to repay 111 tender aR)' such amounL lender may revoke lhc waiver as to any or oil E..'itmw u.~ms nt any time by a notice gl~cn in I!CCilrtldncc wilh Section IS llll~. upun such rc\'ocation, Bomn~w shall pay ID under all Funds, and in >'UCh arnounL•,Ihlll nrtlhcn required under d1is Section 3.

Lemler 1'1111)', at any time, collc.ct nnd l1nld Funds in an amount (a) ruffki~nt to pcrrnill..cndcr to apply lhc Funds at the time s~ificd under RESPA, and (b) not 1.0 c~cccd the maximum amount n lender CIVI n:quirc un~er RESPA. tender shalt c.~'limale U1e lllllUunt of Funds due on the hasl~ or ~'Urrcnt dala and rca.sonablc c.•timau:.s of expenditures of future E.~row Items or o!hctwise in :~~xordancc with Applicable Law.

The Funds shall be held in an institution whose deposits we insured by a federal ggcncy, instrumcmalily, or entity (including Lender, ir Lender is au insututinn who50 depo.~its are ro insured I or in any Fooctal Hom~ loan Hank. tender shall apply lhe Funds ID Jlay lllc E:;crow IU!ms no lnl~ !ban lhc time spo:cilicd under RESPA. Lender >hall not charge Borrower for holding and applying U1c Funds, annually analyting the escrow account, or \'erifying the Escrow Items, unl~ lender pays Borrower inlcre!ll 110 the Fund~ and .1\pplicablc luw permits Lender lo make such a chill~ Unless nn ngrccmcnt is made in writing or Applicuble La"· n:quire.~ int.."''est 10 be paid on lite Funds. tender shallmll be required to pay Borrower any in!.Crest or earnings un the Funds. Borrower and Lender can agree in writing, howe\'er, thutln~rest shall be paid on the Funds. Lender shall gh'C to Borrower, ..·ilhout charge, an annual accounting of the Fonds as required by RESPA.

If th.-.c is a surpl115 of Funds held in c,'lerow, a.• defined under RESPA, Lender shall account 111 Borrower for the a~ funds in accordance wilh RESPA. If there is a shorllige of Fun~.~ held in c.~row, as defined under RESPA, Lender shall notify Bonowcr M r~tllircd by RF.SPA, and Borrowc: shall pa)· 111 Lender the mnount nm:ss:llY 1.0 make up lhe shortage in 1\CC(lldante with RESPA, but in no more 111311 12 monlbly paymcms. 1£ wrc is a dclidcrtcy of Funds held in csaow, a.~ defined under RESPA, Lender shall notify Borrower a.~ rcquilcd by RESPA, and Bottowcr slutll pay to Lender !he amount lle(CS.W)' to make "I' lhc dclkicncy in lll.'l:ord:VIC'C wilh RESPA, hut in no more !han 12 tnnmhly payments.

Upon payment in fuU or all sum.i s~:ured b)• th~l Se-"urity lnstrumcnl, Lcndl-.r shall promptly 1'\!fund tu Borrower any l'unds held by Lender. -'· Cbar~:es; Lkns. Borrower shall pay all mts, a'OSC.t5ments. crutigc.~. fine.~. and impositiom allrih11table 10 !he l'ro(li!OY which can attain 1rrinrity over l11is Sa:urity lnsUUrrtcnl. lea.chol~ payments or ground n:nl.'l on d~e Prupcrty, if 1111y, and Cummunity ,\ssoL.iation Dues, F.:.:.~. and Asse&menl8, if wty. Tnll1e e~lentllmllhCSI.lltCIIls arc E.o;crow [li:rlts, Bonttwcr shall pay !hem in !he m:umes provided in Section 3.

Jlormwcr shall promptly di.~ehargc I!IIY lien \\'hil:h llliS priority over this Set:urity rn~Vllrnenl 11nlc.<s Bo1tower: (a) agrees in writing w the paym.;nt of !he obligation secured by !he lien in a manner acctpt1blc to Lender, buL only so long a• Uonowcr ts pctfom,ing str.:ll agre<:nli'!lt; \b) tonics~~ !be th!n in good (ailh by, or lkfcnds again!>! cnliltcCRlCnl of lht lien in, kgal procc.:dings "'·ln~h in Lender's opinion operate Wprevent d!¢ enforcrm<:nt or !he liea while !hose pmce.:drngs an1 pending, but un\y until such plOCcedings are com:ludtd: or (c) J~C~:urcs frnrn lhe bolder of lhc lien an agreement salisfllCIDr)' to Lender subor~tnaling lhc lien to !his Security lnsllurru:nt. If Lender dctcnnines lltalllll)' pari ur Ul<l l'n>ll<:rt)' is ,'llbjel..'t In A lien which (an ~11ain PfiOtity n~cr this Socurily hliUUtnent, I.L'lldcr may gi•·c IIOITow.:r a notk-c td.:ntilying lhe l~tn. Wilhin Ill ~~}~ Form ,044 1i01

1!i:~2 I 3 {J 4 8 7 3 ... ...... .......... ..

Page 61 ..,,4...,.....,..., •• -- ··--4-.. ,.u-.-.---...-~.....,.,-•~-,.,_,_ .... ,. .. • , ~ , ,.,..,..-...,. ··· ~ ,{-

-~· ~~la ~oi:HFI':'I:-"f~..,,.."Tr""~~ -~. ..... -·~·"'!~

', LOAN " 1240004663 MIN 100072112400046631 duys nr !he da~e on which that notice is gh·cn. llurrower shall s;,tisfy the lien ur ~tkc one or more or the DCtiuns I'CI forth :tho•c in thi.~ S<>cUun 4. l.cndcr may rc<juire Burrower to pay a one-lime rh:ugc for a n:..r <~State ta.• vcritic>~linn lllltVor reporting scr\·icc uscll b)• Lend~r in connecdnn with this Loan.

S. l>roptrty Insurance. Borrnwcr shall kc.:p the imi'IO\'emcnL~ nnw c.d~!ing ur hcr.:uflcr ~rcctctl on the.

Prupeny insurctl against los.~ by ftrc, hnzurds included willoin lhc l<'nn "c.<!l!ndcd cm·emgc; 1md WI)' other hlllllrds including. but not limill.'tl 10, c:trlh'luakes and Ouods, fur which Lender rC<~uirc.< insurance. Thi.< insurdllce shall be mainL~incd in die omouuL< (including deductible lc\'cls) and fur the periods thnl Lender rC<~uirc:.<. Whal Lender l<'<juirc:.< pursuant 10 lhc preceding .\CIII~Ilccs can change during the term ,,( the Loan.

1hc insurance c.urier providing the insuronce shall he chosen by Burrower suhj<:cl to Lcmlc~· s right to dl<approve Borrower's choice, which right shall not he cxerdo;ed uruCO!somlbl)'. Lentlu may rC4oirc Borrower m pay, in connection with this Lo:~~~. dthcr: (a) a onc·Lime charge for flood wne tletenninalion, L'\.'rtilieation and lr.Kking S<:JVict.:s; or (b) u one-time chllll:e for flood ~one d~lermin..Uon and ccrtificalion service." and subsequent charge.." each time remappings or ~in11lar chllngcs occur which reasonably might affect such dctcnnination or certification. Borrower shall also It;; respunsibl" for the. payment of uny fees imposed h}' !he Fcdernl Emcrgenc)' 1\lunagcmeDI Agcnc)' in connccti<Jn with lh~ re\·icw of any flood zone dc1cnninatio11 resulting frum an objection b)' Borruwe.r. If Borrower fails 10 maintain any of lhe cov.:ragcs described aoo-·c, Lender ma)' ubtai11 insur.mc'C cowmgc, Dl Lender's option anti Domtwcr's c:w.pcnse. 1-Cllder i.~ under no obligation to pun:hasc all)' panicul:tr ty['C or WllllUIIt of coverage. Thcrelore, such cnvcmge shall cover Lender, but might or might not PIIIICCI Borrower, Bonower's C<!Uity in !he Propeny, or lite comcnL$ of the Propeny. against any ri.•k. tlazru'1l or liability and might provide grea~er or les.<er mverage than Wll!l prcviou;ly in cffocL Borrower acknowledges that the co~! t1l the insurnttcc 'ovcr".~ge ~ obtained might ~ignificarnly cx,e.."d the cost of in~'Urancc thai Borrower could have obtaincll. Any amountS disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by thl;; Security lrutrumcnl. These :unounu shall b..'al' inlere.~l at !he Note rate from the llate of disbursement and shall be P'.lyablc, with sucil imere..lt. upon notice from Lender Ill Borrower •C<~uc,\ling payment.

All insurance policies required by l..enllcr and renewal• of such policies shall be subject 10 Lender's right to disap1novc such potiri~. shall include a srandard mongage clau:~e. and shall name Lender as mortgagee and/or 3S 1111 additional loss payee. Lender shnll have lhc righl 10 hold the policies and re11cw-.II ccrtific-.w:s. If Lemler requires, Borrower slmll promptly give to Lender all rcccipu of paid premiums and renewal notices. If Borrower obtains any fonn of in.wrance covemgc, not otherwise required by Lender, for llamage to, or dc.suuclinn of, the Property, such policy shall include a sl:Uidard morlgage clause and shall name Lender DS mongugec and/or as WI !ldditionallosspaycc.

In the cvcm or loss. Borrower shall give promp!notkc tnlhc insuranc~ carri~r anti Lender. Lender may make proof ol loss if 1101 made promptly by Borruwi!C. Unlcs.~ l.cl1der and Borrower otherwise agree in writing, WI)' in~ur.mcc lliOCeods, whether or nlll the underlying insumncc was required by Lender, shall be ~pplied m restoration or repair of the Ptorcny. if the re.siOTalion or repair i.~ .:conumically feasible and Lcndtr's security is notl~«!ned. Dunng such repair and re..~wmlion period, Lender !.hall have l11c right to hold 'uch insur.mc.:~ proceed~ until Lender has hlld an UptKlr!UIIil)' to iMpccl such Propcny w m~ure the work has IJ,;;:n complctcll to Lender's ~lislaclion, provitled thai b1Jdl inspection •hall be undcr13kcn prompt!)'.

Lender may disburse proceed.~ lor the repairs and r¢litomuon in a >inglr. paymcm or in n series of pmgrc.<s payment< as the wor\:. is cornplct•d. Unless an agriX'ment i$ tn~ in writing or Applicable law rC4uire,, interc:.~l to be paid on such insurance pnx:cctls, Lender shall not 1M: rcquir~d to pay Borrower any in~erc.st or earnings on such proceeds. Pe<:s fur public w..ljuslcrs, or other third parties, r~taincd by Borrower shall 1101 be paid out of the insurance pnx:o.'tls and !.hall he the sole obligation of Borrower. If ~1e restoration or repair is 11111 economically fca:;iblc or Lcn~o'-'r's ~uri!y would be l.:s:>ened, Ule in.~unu·"o pnx:c<ds shall be applied to

form 3044 1101

Page 62 , , ....... ,M~ . . . . , , , . , , _ , . _ , . , . . . . >~<_,_., .......... --·-···· ''"' "~·-•• LOAN I 1240004663 KIN 1000721ll4000t66l1 the sum~ sccnrcll by lhi.~ Security lnslr\mu:nt, whether or not !hen tluc, wi~• !he c><c=. if .my. paitl to Borrower. Sud• insurilm:c 1""'''-'Cd> shi!ll be aprlied in lhc ord<'<Jlro'·itletl for in Sc"ion Z.

If llooowu abandons the Pmpcny. Lender may file. ll<l!otiaw anti scn.k any avail;tblc insuran~ claim ami related matters. If llnrrnwcr do;:.• not rc:iJlUIId within 30 da)·~ 10 a notice fmm Lender that tlte insunmec carrier ha.< olfcr~d tu $Citle a claim, then Lender may negntiat~ and settle the claim. The 30-day (l<'rkKl will oogin when ~•c notice is given. In oithcr e\'CIIt. or if Lender nc'luire.~ ~"' Property under Se<:lion 22 or otherwise, Borrower hcrtby as.~igns In Lender (a) Borrower's righLs tu any insurance proceeds in an amoum nollO CllCC:Cd the amounL• unpaid unckr the Nolll or thi~ Sccuri!y Instrument, ami (bi any oi11Cf of BurTowcr's righL~ (other lh311 the right to any r~funtl of ltncamed premiums paW ~)' Borrower) under all insur-.mce polidr.s tU\·cring lhe Prop.:ny, irunfnr 3$ ~ud1 ri~hLS arc •Jll)li~ahlc to 1hc cowrag<! of tin! Properly. under may use the inwrance proc..occls either to rrp:sir or re.;tnrc lhc Property or to pay .unoulll< unpnid und~r the Notr. or this Sec-urity Instrument, whctl•cr or nol then due. t>. Occupaney. Dorrow~-r $hall cx:cupy, c.oo1abli.~h. an<l usc lhc Prop.:rt)' as Horrowcr's rrincipal r~sid~nrc within 60 da)'S after the e.xcculion of this Security lnstnamcm anti sh311 continue lu occupy the Property as Borrower's principal rc.\i~encc for al least one year after the <.laiC uf occupancy, unlc,.s Lender olh<l'l\'isc agrees in writing, which ~onsrfll shall not be um-.:a.<onahly withheld, or 11nlc.s.' CJ.tcnuating circumsUIIIces Cllisl which uro beyond llorrower'~ t:onttol.

7, Presen•allon, MJilnlenance and Protection of tbe Prn~rty; lnsp;:ttiull5. Borrower shall not dc.sltoy, dam;tge or impair the ProtlCCiy, allow lhe !'roper!)' Ill ~ctcriomtc or commit waste on lhe Property.

Whether or nal Borrower iJ residing in lhe Propeny. Borrower snail maintain lhc l'rop.:ny in order 10 rre1·cnt the Propcny from det.eriora!ing ur decreasing in value due 10 tiS condition. Unless it is determined JIW:.'\IDIIItO SectiQn 5 !hat rcpait· or r.:storalion is nm economically fo;a,.ihlc, Borrower shall promplly repair the Property if damaged to avoid funllc.r dct~:riaralinn or damage. tr in~uranec or condentnalion proccec:!s arc paid in connection with d.-unage 10. or the Wr.ing of, the Prapcrty. Borrower shall oo rc.•ponsibl~ for repairing or r~swring lilt Prop;:rty unly if Lender has rckascd proce005 for such rurp.l.«:-s. Lender may disbur~c procc.:d.< for lhc rep.tirs and reswntion in a single payment or in :1 ,;cries or progres$ t•aymeul.oi a~ the worlc Is complet.ed. If the in.~ullllll;e or condemnation proc=ls arc not sufficient 10 repair or r~storc the Properly.

Borrower is nol rclic\'ed uf Borrower's nbligation fur lhe toml'ktion of such repair or rc.•tomlion.

Lender or iiS agcm may make r~nahlc enlri~ upon and in•p.-.:tions or lhe PrutlCrty. U it has reasonable cause, l.cndcr may lnspct't lhe intcriiJr of lhe improvcnu:nt~ on lhG Property. Lender shllll giYe Borrower notice al lhe lime of or prior 10 such an interior ill!.-pcction srcdfying such reasonable cause.

8. llorrow·er's Loan Appliallioa. llmrowcr shall be in ddault if, during the Loar. applit:-l!lion proces.q, Borrower or atl)' persons or entities acting at the direction. or Borrower or will• Borrower's knowledge or consent ga1·c materi:tll)' false, misl~ing, or in<~~.-cumt.e irrfonlllllion or statement~ l<l Lender (nr failed 10 fUt)\~dc ~Alder ..;lh rna1~rial illfommrion) in l"Onncction ~~oilh the Lu:m. Materi111 r~re.scntatimLq inchttle, but are notlimiJCd to, rcpn'.o;cn&~tioru cooceming Borrower's tx:.:upancy of rhe Propc11y '" Bormwer's principal re.'\idencc:. !1. Protri:tinn or Lender's Interest in lhe Property and Ris:hts Under lhioi Security In.~trumenl. If (aj Borrower fails to p.."'fonn tlJe covcnanlli and ngrccmcnLS contained in !his Se,urity lns1rumem, (hJ !hero is a legal pmcce<lmg tikll might significantly affect Lender's inlcrcst in !he Property and!ur right~ untlcr this S.xurily lnsltumcnt (such as a procloeding in banbuplcy. pmbaw. for contltrnnali"n or forfeiture, for roforceUicnt of a lien which may :main priority over tins Security Instrument or 10 cntorc~ laws or regulaliQnsj, or (c) Borrower has abandolll.'d !he Property, lhcn Lender muy tlu ll!ld fQY lor wbate\·cr 1s rrusonablc ur apprnpriate ID prol<:el Lemler's imcr.,et in the PrnjJCny ami right~ under lhi~ SL't.'Uril)' ln~trumcnl, including proiCCiing amVor a.~se..'l.~ing lhe \':litre or !he Prn(ll:rt}', ;m~ sectnitlg and/nr repairing the Prop.:rl)'• L.cndcr'sllCiions can include, but a!"f.tlullir»il<'d 10: (a) paying any SJtms SC<:tlfL'ti hy a lien wh1ch ha.~ priority over lhi; Security Instrument; (b) appearing in C(lun: and (c) f>lyin~ re.'l.\onahlo;

Q-tD(TXj.IIOO)OI Fotm 3044 HOI ~

Page 63 1tr'2 I 3 0 4 8 75 LO~I # ~:140004663 MXN ~00072~12t000466Jl anom~ys' l".:cs to Jlrnloct il< intorcsl in lhc ProJl<'IIY :md/or righl~ under tlns Sc:curity lns~rumcnt, mclmhng iL~ secured pmitiun inn hankniJ>I~y prncecding. Securing the l'rop.:ny includes, bm i.< notllmitoo to, entering th~ l'ropcny to nlake rep3il);, change locks, replace or board up uoars un~ wimlows, drain water from pipes, climinaiC building or olhcr code violulions or dungcrous comhtions. and have utihtics mrned on or oiL Ahtllmgh Lender may t:>Jce '"'lion under !his Section 9, l..cnMr doc.< not ha,·c to do so and is not under any duty or obligation 10 do so. It is agreed that Lender incurs no liability for not m!;ing aR)' ur all action< authorized under this Socuon 9.

1\ny amounts disbursed by Lender under th~< S1.-ction 9 shall he<:om~ additional debt of Borro\\·cr secured by !his S!Xuril)' lns1rument. 11lc® arnnunl< shall bc:!r interest at the N01c r:llc from the date of disbursement and ~h.'\11 ~ paynhic, with such intcre.~t. ~ron notice lrom um!er 10 Bonowcr rcqne..<ling paymem.

If tl1ls Security lns~rumcnt IS on a lcasehoW, Bornl\\'er sh:dl compl)' with all tl>e provi~ions or lhc lease, If Borrower acquires fee litl~ 1o !he Propcny. th~ lc:ISChold and th~ fcc tillc ~hall nul merge utile..;.~ Lender ngrccs to lhe merger in "·riling.

10. Mortgage Insurance. If Lcnd~r required Mortgage Insurance M a condition of making the Loan, Borrower shall pay the premiums r"'juir~ 10 maintain the Mongag~ Insurance in crf~ct. If, !or any reason, the Morq;agc lnsumnc~ coverage rc<Juircd hy Lender =s to be available from the mortgage insurer lhlll prevloll!ll)' pro<•idcd such in~-urance and Bormwcr wa~ requi~d to make S<!parmely designa«cd paymollt< toward the premiums fnr Mongage ln~'Urancc, Borro~~o-cr ilhall pay ll>e pr~:miums required to obtmn cowrage subsUIIItially equivalent lo lhe Mongagc lnsuranre previously in cffctl, at a cost ~1tbstanliall)' equivalent 10 the COS! 10 Borrower or the Mongagc ln.~umnce previously in effect, from an ahcmatc mnngage insurer selected hy Le"der. If substantially cquivalenl Mongagc Insurance coverage IS not available, Borro<•:er shall continue to pay to Lender the amoum of the scparau:ly designated payment~ that wore due when lhc insurance cow:rngc cea.'iCd to be in effect. Lender will actej)t, usc IUld retain ll1cse paynwmt!< M a non -refundable los.~ reserve in Ji~.u or Mon~age Insurance. Such loss rcser>·e sh:tll be nnn-tcfund.1blc, notwillmanding the r~z that the Loon is ultJntaldy paid in full, nnd Lender ilhall not be required to pay Borrower any interest or earnings on such loss tcscn·c. Lender <':111110 longer require loss reserve llll}·mwu if Mongagc Insurance coverage (in lhc amounl and ror the period liuU Lender 1equircs) provided by an insurer :;elected by Lender aga~n become.~ available, is obtained, and l..endcl requires scparnu:ly dcsignaled payment~ toward the premiums for Mongage lnsur.1.m:c. If Lender rcqu~ Mortgage Insurance as a condition of malc.ing the Loan and Borrower was required 1o make sepmu:ly designatoo payments toward tile premiums for Mortgage ln.<umncc, Bonower shall pay lhc premiums rcquiroo 10 maintain Mongage Insurance in eff<:<:t, or 10 provide n non-rcfuooable loss reserve, until Lender's requirement ft>r Mongagc lnsurdi!Cc ends in accordnnl-c with any wriucn agreement bclwccn Borrower nnd Lender providing for SlJCh termination til until termination is required by Applicable Law. Nothing in thi< Section 10 affects Borrower's obligation 10 pay inla'cst at the rate provided in the NnlC.

Mongnge Iruurancc reimburses L.endor (or any entity that purchases the Note) for certain lo.'1..'iCS it may incur if Bonowcr docs not repay the Loan as ugretd. Borrower is not a party to the Mortgage lnsumncc.

Mongage insurers evaluate their wtal risk on all such insurnnce in force from time w time, ami may enter into agrecmenl~ with oiiJcr panic.< !hat share or modify !heir risk. or reduce los.<e.s. ·rnese agreements are on ll:mls and conditions dtal arc s:uisfnctnry to tltc mongagc lnswer and the other party (or parties) to these agri!Almcnl~. 11Jcse agreement~ may rc:quirc the mongagc insurer to make payments u~in1l any source or limds lhat Ute martgagil wurcr may have a<·ailal>lc {which '"")' include runtl.> obuincd rrc1n Mortgage lnsumnce premiums).

As a result or these a!."r~cmcnts, Lender, any 1mrchaso:r of tl1c Note, another irtsun:r, any reinsurer, any olher emit)', or any affiliate or :my of lite loregoing, ntay receive (directly or indirectly) amounts that derive from (or might be: charoc~erized as) a poru,,n or Borrower's pll}'t11<!11L~ for Mongage Insurance, in exchange for shuring or mo<.lifying d1e mongnge in~urcr·s rist, or reducing los.<es. If such ;JilJCCmt.nt JllOVidc..~ that an :tfliliatc of Lender ukcs u share of the tnsurcr's rl<k in c•chllnge for u share of the 1•rcmiums 1n1id to the insurcr, the arrangement is often tcrtncd "captive reinsurance.• Funhcr: (al Any such agrMments "Ill not afYrct thr amnunl~ thai Rnrro,.rr ha.~ agrrtd to plly for 111f.rtj:age ln.~ura~~<:t, or any other tum.~ of the Loan. Suth agrtem~nls will nnl incr~.ose tile amounl Rurnnrer will owe lor Mortga.:r ln.~ur.ancr. und they will oot rnlilk nurrowrr :r> l!ll)' rrrund.

Fotm 3044 1101 --eB(TX) '"*'' Patai.{llftlli

Page 64 .... .f .41.."' '•, :' LOAN • 1240004663 KIN 1000721124000.6631 (b) Any such agreement~ ,..ill nul alTer! the ri~hls llorrnwor has • if any • with respect to the Murt~a1:~ Insurance under the llumtuwner.; l'rot~>rtion Ad of 1~93 or any other wn. These ri~:hts may include the righl to recein certain dl~clusures. tu request and oht11in c-.mrrllatiun of the Mrm~u~e Insurance, tn han the Mortgage Insurance terminated autom!llically, undlor to rn:ei;·e a refund of any Mortgage Insurance premiums that were unt-o~rned at the time uf such l:'oJnr~llation or termination.

II. AS'iiRnmenl of Miscellaneou.~ ProcL't'ds; l>orfeiture. All MiscdlanL'Ot" Prnccc<l< an: hereby a.~signcd to and shtdl be paid tu Lcud~r. If the Property is damaged. ouch Mi<ccll;mcous Proceed.< shall be apphc•lto rc,<roration or repair of the Prnpcrt)', if the restoration or rl!pair i< cconnmically lcasiblc :md Lemler's security i.< nm lessened. During such rCJiair ami re.<tnration period. Lcmlrr shall hav~ Ute right to hold such Miscellaneous Pmcccds until LA:nder llllS lu11l un opponunity to iru.l>cct such Prot>eny rn ensure d1c work ha.< been completed 10 Lender's suti.'ifaction, provided that such inspection shall be nnd~nnkcn promptly. Lender may p;.y for the repairs and rcsrornlion in n single disbursement or in a scrir.s of prngress Jla)'mcrtL< a.< the w01k is complcte.d. Unless an agreement i.• made in writing or Applicable Law rcquir~.s interest "' be paid on such Miscellaneous Prt:X.'O!<Is, Ulld~r shall not be required to pay Hnrrower IUIY inta:c:<t or crunings on such Mist:clhmcou.< Proceed:;. If the restoration or repair is not economically feasible or Lcmlcr's security would be lc=ncd, Lhc Misccll:uiOOll.~ Proceed~ shall be llJlJllicd to the sums secured by thL~ Sc.:urity Instrument. whclh.:r or not then due, with lhe excess, if any. paid to Borrower. Such Miscellaneuus Ptocw.b shall be llpplied in the order provided for in Section 2, In the c;•cnt or a total talting, destruction, or los.~ in value of the Property, the Mi:;cellancous Proc-eeds shall he applied 10 d1c sums se<:urod by this Security Instrument. whether or notlhcn due, wiLh the excess, if any, paid 10 Borrower.

In the event of n partial laking, dc.~uuclion, or loss in vnlue of Lite Property in which the fair market \'llluc or d~ Property immediately before die partiallnkin~. dc.<UUUion, or loss in value i.~ equal to or gre.1tcr than the amoum of the sums secured by this Security lnslnlmcnt imrncdintcly before the partial taking, destruction. or loss in value, unless Borrowu and Lcmlc~ otherwise agrc.: in writing, the su111s secured by !his Security Instrument shall be rroucc.d by the arnoum of Lhe Miscellaneous Prot:r.cds multiplied by the following fraction: (a) the total amount of d1e surns secured imrnt:dintcly before the partial laking, dcsuuction. or loss in value divided by (b) the fair market value of the Proper!)' immediately before lhe partial taking, tbwction, or lo.~o, in value. Any llalafl('c .,hall be paicllo Borrower. or In the event a p-Jrlial t:lking, tlcslnlctioo, or lollS in value of the Property in "'hich d1c fair m.11l:et value tlf Ute l'ropcny immediately before the partial taking, destruction, or loss in value is lc.'IS than lhe amount tlf the sums =ured immedialcly before die partial laking. dcsuu~tion, or loss in value, unlr.<;.~ Borrower HOd LA:ndcr othcrwi.~ agree in writing, tile Miscellaneous Proceeds shall be ap(llicd to d1c sums secured by this Security Instrument whether or notlhc sums arc then due.

If the Property is abandoned h)' Borrower, or ii. after notice by I..entlr.r 10 Borrower that the Opposing P:uty (as defined in lhe n(!.\t sentence) oilers 10 make an awartl to sctUc a claim for damages, B1mower fails to respond to Lender within 30 dnys aft.:r tbc date d1c notice is given, l..entlcr is authorilcd lO collect :111d apply the Misccll;mcous Proc""ds either to resmmlion or repair of the f"roperty or to lhe sums seo:ured by d1is Sa.:urity Jnsuument, whether or not !hen due. "OpJ!O:<ing Party• means the third pan~· that owes Borrower Miscellaneous Proceeds or the p:uty against whom Borro·..,·cr ha.i o right or llCtion in regard to Mi.cellancous Proceeds.

Borrnw.:r shall be in t.lcl"ault i( Bn)' action or proceeding, wbclhcr civil or criminal, c> begun that, in Lender's judgment, could result in forfeiture of Ute PrOJICfl)' or olhcr material im11uirmcnt of Lender's in~:rest in the Propert)' or right:~ under this Security lnstcun~<:nt Borrower can ~urc such a ddau!t and. if acceleration has occurred, reinstate "''provided in Scctiun 19, by causing t11e ~:uon or proceeding to be di>lnisscd with ll ruling lhat. in under's judgment, prct:lude5 fodeilure of the Properly ur other rnutL"rial irnpairmclll of LA:nclcr's interest in the PruJICfty or right~ u11<1er thi5 Security Instrument. The ~11ncceds of any award or ch1im (or dnmagc:s that arc attributable to the imjl<lim1e111 of Lender's intcrcst in d1c Property are hereb)· assigned and shall be l"'id to Lender.

All Miscellaneous Proce«<£ lltal arc not applied to rc:storJ!ion or rL'Jlair of the Propcny shall be ap[llled in lhc mtlcr provided fm in Sc'<:tion 2.

0·6B(TXJ '"""~' Form JMf 1101 tl

Page 65 LOAN M 12~00046&3 MIN 100072112400046631 12. llorruwcr Nol keleasttl; t'nrbcamm·e lly l.ender Not a Wuh·.r. btcusion uf the time for P,1)'1l1Cill or mc•Jilication nl anmrtiMtion ot the sums secured by tim ScCllritr lnstmm~m granLCcl hy Lender ltl Borrower nr any Successor in lnlcr~st of Burrower shall not opcmtc tu rcka.;c the liahility oi Btorrowcr or an)· Successor~ in 1nli:rcst elf Borrower. lender shall not be required w con1mcnce proceeding~ against :my Sut·~cssur in lntCfL'St or llorrmwr or to refuse 10 extend time I!Jr payment or othcf\visc modily amorti7..tion or the sums secured by this S<'<'Urity Instrument by rca-ron of any dcm:md made by the original llorrowcr or any Successors in lntcrt'.St of Buml\wr. Any for~arnncc by Lo:ntkr in exercising any right ur rcmed)• including, withoutlimililtion, Lender's a::ccptanrc or payments frum third IJCWJns. entities ur Succc~mrs m lntcrc,~t or Borrow~( or in amount~ fMs than th~ amount then due, gballnut be a waiver or or Jlftdudc the exerci..: or llllY right"' rr.ntcdy.

IJ. Jninl and S•.-crall.iability; Co-si~ners; SuL~es.<urs and As.<ign.< Bound. Borrower covcmml< and agree.< that Borrower's obligauons and lmbilit)' slt.~ll be joint and several. However, nny Borrower who co-signs this Sc<:urity lnstnun~nt but docs not CO\reutc the Now (u •co-signer"): (a) is c<Higning this Security Instrument only 10 mortgage, gr'dltt and com·cr the <eo-signer':• intcr<!St in the ProJierly under the tcnns or thi.< Security lnslmmcm; (b) is not personally oblig-dt~.d to pay dte sums Sc<Ur~l b)' the~ Security ln~'truntcnt; and (c) agrees that lender and any ntllcr Borrower c·an agroo to c."end, modif)'. forbear or mukc llll)" accommodation.< wilh regard 10 the terms or thi.s Sc.:urity lnSirUittcnt or tlte Note withnut the co-signer's cnnsent Subject to dtc proVISions or Section Ill, WI)' Succ~r in Interest or Borrower who nssumc.s Borrower's obligations umlcr lhis Scxurity Instrument in writing, and is approved by l.cmler, shall obtain all of Borrower's rights and benefit< under thi< Security Instrument. llorn>wer ~hall not he rclllaSed from Borrower's obligations and liability untlcr this Security Instrument unless Lender agrc.!s to such release in writing. 'lllc co•·cnanl~ and agrcemctll< of this Security Instrument shall bind (except as pro1·ided in St-ction 20) nnd benefit the sucu...•;sors and a...signs of Lender.

1-1. Loan Char~!'$. Lender may charge Uorrowcr fees for servkcs pcrlonntd in connection with Borrower's default, for the purpo.sc of protecting Lender's intacst in the PrOJJCrty ami rights under thi~ Security Instrument, including. but not limited UJ, anomcys' fees. propcrl)' in.~rcction and valuation f~e&. In regard to any other fees, 01c absence of express authority in thb Sccuril)' lnslnlmcnt 10 charge a spcci~c fcc to Borrower shall not be {onstrucd a.~ a prohibition on the charging or such fee. Lender may not ch:ll'ge fees that are expressly prohibi~d hy tills Security lnsuumcnl or by Applicable l.aw.

1£ tltc loon i.< subject to a law which set~ maximum loan charges, and that law is finally interpreted s.o that the inwn:st or other loon clwges cotlcctcd or to be collcct.cd in connection with the Loan c:xcccd the permitted lint its, thi!ll: (a) WIY such loan cllargc shall be reduced by the wnown necessary IC) reduce the charge to the p.,'rnlittcd limit; and (b) My sums already coflcc~d from BcJrowcr which e-\cecdcd pcrrnined limits will be refunded 10 Borrow.:r. Lender may dtOOliC to make lhi~ r~fuM by re-ducing the principal owed under the Note or by making a direct Jlaymcm to Borrower. If a refund reduces principal, the reduction wilt be treated as a partial prepayment without any prepayment charge. (whctltcr or not a prepayment cb:trge is prO\ided for untlcr the Note). Borrower's III."CCptancc of any such refund mooll by direct raymcntiD Borrower will corulliwtc 3 waiver or any right or action Borrower might ha•·c arising lllll ur such I)VCtchargc.

15. Notices. All notices given by Borrowcc or Lender in connccu<tn with thi$ Security lmU11mcm must be in writing. Any notice 10 Borrower in conncclioo with this Security lnstrurncnl shall be dc•"ncd to have br!cn giwn 10 Borrow-er wh.:tt mailed b)' first ch1o;s mail nr when uctually delivered to Borrower's n<lticc atldrcs.~ if scm by other means. Notice 10 nny one Borrower shalf constitute uotice ILl all Borrower• unless Applic11ble Law expressly requires otherwise. Tite notkc address shall be the Property t\ddre...s untcs..~ Borrower has dcsigna!cd a sub~titulc notice address by notiL"c to Lender. Bormwer shall pmm)>llY noliry Lender of Borrow·er's change of tlddrcs.~. If Lender •·pedlics a llf(lCedurr. for rc(lOrling Borrowcr·s change or address, lhcn Borrower shall onlr ret>ort a ch1Ulge of lkldrc.•s through that s-pccilictl procedure. There ma)' be cmty one. designated notice adtlre:>.~ und~r this Security ln5tnJtnent at any one time. Any notice to Lender shall be given by ddivcring it or by mailing it by fii~t cla.-.s mat! to Lender's 11ddre.o;.s ;t~t<tl hcrdn unle..<.~ Lender ruts de.<ignated anodter ilddrc.tS hy notice Ill Harrower. An)· nnticc in mnmx:uon wnh this S<."Cw-lly ln.•trlllncnt shall not be deemed 10 ha~c ~en given 10 londer untilnctuall)' rocci,·ed by Lender. It any notice rl:\juirccl b)' this Socurit)' lnstnuncm t~ ill!k) rc:quit"d under Apph~ablc Law, tile Applicable Law rcljuircrnc-nt W1ll satisfy th~ corrcs(lOnding rCt~Ulfcmcm under this Security lnhuumcnt.

-·6B(TX) 1000>1 form 3044 I<Ot

Page 66 1lll~2 13 1) 4 8 7 8 LO~ I 1240004663 MIH 1G0072112400046631 1~. Go~ernin~: Law; Se•·nability; l(ules nf Cunstructiuu, llti.< St-cu•·ity Instrument shall !1<: gov~rncd by kdcml law and Um law ol 1M jun.'<.lktion in w!u.:h the l'rop..•ny is luc:n.:d. All rigbL>~ and obliguuons t·omaintd in rhis Sc•:urity ln.<uumcnt roc suhjc41 to any ""luircntL'nL< ;uul limicuiuns of ''l'l'hcablc utw. ,\Jltllicahk Law might explicidy or iml'licid)· allow tlle parti~.~ to agree by Ct>ntr:.ct or iiiJlight he .<iknt, but such silence shall oot be construed a< a prohibition ngainsl <l!(re<:tncnl by cuntmct. In the event that any pro~i~ion or claus.: of this Security lnsuumcntor the Nole roollicL'i witlt ,\pplkahlc Law, such ,~mllkt.'ihall nm aff,-ct oth<!'r pnwisklllS of this S<-.:urity Instrument llr U1e Nnte wlti<:h can he given effect without Ute ronllicling pnwisiun.

As used in Ull< Sccunty IMtrumcnt {a) wunls of llle m<L.;,;ulinc gender shall mean and include. corr.:sllOOding nc.utcr words ur word.~ or lllc fcminin~ gcmkr; (b) wunl< in lhe singular shall rnc;Ul and include the plural ami vire vcr:uc :md (c) the word ·may" gives :«lie discretion without an)' obligation 1.0 take any action.

11.Unrrowu's Copy.llonowcr shall be given one copy of the. NoiC and of this Security Jnsrrumcnt.

18. 'fran.<fer of tbc Proptrly nr a tlen.rtelal Interest in Uurruwo:r. As l!So:d in !hi~ S<-.:Uon 18, "lnk.-rt~t in the Properly" means any le~alnr bcneftdal intcrc.~t in rhc Properly, including, but no1 linoitcd to, lhtlS<: benclkial in~~: rests transferred in a bond for deed, contrill:tlor dC<".d. insl:lllmcm s:llc.-; mnuact ur e_<;eruw agrt-cmenl, !he intent of which i3 the llansfer of til.k by Borrower at n future dme tu a purdla.<<'f.

If ull or MY J""l of the Propc~ty nr any lnt~rest in the Prupcn)· is S<lkl or trnnsfcnc.J (or if fl\1rruwcr is not a natuml p!!rson :md a bcndldal iniClest in nnrrt>wcr is sold 01 tr.m.~krredl without Lemler's prior writll!fl consent, Lender mny require immediate pa)'RICnt in full or ~II Silins 5Cl:Urctl by this Socurity lnsuument.

However, thi~ option Stlallnolbee~crciscd by l~nder if such cxcrcisol is prohibited by Applicable Law.

If U!.~der exmi1cs thil< option, Lender shall give Burrowt'f nolil:e of accclcr:ttion. The r;utic~ shall pm,·itle a period of not lc.'IS than 30 days from 1he dale tile notice IS given in accmdance wilh Section 15 within which Borrower must pay all sums sccun'll by this Security lnsuumcrn. If Borrower fails to Jl'l)' tbcsc sums prior to the extlinllion of this period, Lender may invoke lilly rcmcdic.1 pcrmiucd by rhis Security ln.<trumemwirhout fw:thcr notice or demand on Borrower.

19. Burrower's Right Co Reinslalc After Accelcraliun. If Bt1rrower mc.:ll certain couditions, Bor.ower shall h:tvc the righttn have cnfon:emcm of this Socurity Instrument <liscnnlinucd at any lime prior the carli~t of: (a) five days bclor.: sale of the Pmpcny pursuant Ill any (l<lwcr of s.-tle conlllincd in tht~ Security lnstrunlent; (b) such olhcr period u.< Applicnblc Law migllt sp«ify fnr t11c temiination of Borrower's right 10 reinstate; or (c) enuy of a judgment cnfon:ing t11i1 Security fnsUUJIICJlL Those oondidons arc lhat Borrower: (a) pays Lender all surns whlclt llten woukl be due under this Security lnsuum~nt and the No!C a:; if nu aoo:!eralion hod occurred; (b) cures any default of any uther co,·crlli!ILS ur agreements; (c) 1'3>'' all cxp..'llse.s incurred in enforcing lhi\ S.:c:urily lnstnuncnl, including, but not limitt:d to, reasonable aunmeys' fee:;, propcn)' inspa:tion and vahlalitm fees, llllll other fe.:s incurred for ~~~ PUfllOSC of protocting I..cntler's iniClcst in th~ Pmll"'lY ami rights under this Security lnstnunc:nt: and (d) lllkel< such aclion a.< Lender may rcaoonably require tn assure 111:11 Lcntlcr's inlerest in tlae Properly and rights under this Security Instrument. und llorro ..-cr's obligation 1D pa)' !he .~urns secured by till~ Security Instrument, shall continue un~hangcd.

Lender m:ty te<juirc that Sorro,.·cr Jl<IY su<:11 rcinsllllCIIH:nt sums a111l e~pcnses in one or more uf tile fullowing forms, a.~ selected by Lct~dcr: (a) cash; (b) moi!C)' onler; (c) certified check, bllllk cllcck, treasurer's check or cashier's ch.-ck, provided any Sllch ch«k is druwn uptlfl un in~titution whl>sc dcposil• arc in>"Urcd by n rw~ral agenc·y. in>trunumlality or enlity; or (d) Ehxuonic Funds TmJ\.\fcr. Upon rtins!at~mcnl by Borrower. thi5 Security Instrument and obligations sreuu:d hefebr slmll remain fully crrcclivc 11.~ if no :~<.-..~lcraut>n had occurred. However. thl' right to reinstalC shall not apply in the case of acceleration under Seclinn I!I.

20. Sak or Nol•; Cbang~ uf Loan llervker; Nutkf ur Grievance. The Note or a partial in!erc.t in the Now (tog<'lher witllth~ Sc:c~ily lnsiTllllt('.lll} L'an lk! sold one ur more limes without priur notice 111 Borrower.

A sale might result in a change in the cntily (known WI the "Loan Ser\'i~cr") that collccL~ Pcri<Hiic Payment;; due under lhe Notc wrd tlti.~ S«:urily ln~tnJmo:m 1111d pcrfonn.< orhcr mortg~gc loau servicing obli!lations under the Note, litis Security lmtrutn~nt. and Applicable Law. Thi.'fc also mighl b.! onil nrmorc cl~;mg~s of the Loan Scn·ic~ unrelated toad~ of the Note. If th~ro is nl'lwl!,!.:: of lite f.o<U~ Servicer, Borrower Wtll be giwn wrmcn nmicc or rhc change ,..hich \\'ill stat>~ the name 1mil Oll.ldrc..\.< nf the new Loan Scrvil:cr. the nddrtss '"which P<JYhlCRl< ~buuld bo ~~~;t~,lc ami M~ oUitr informuliun RES I' A rcqurres in coORC<.'Iion wult a

0.-&B(TX) '""'"I Pf,ft II ot tl Form 3044 1101 "'

Page 67 ~tJII':?Ii"'J'"':'A ... t'-'l~~ .. -- -~---·-- ...·-~----.·--·"---- ... ~--·.,1.\•~-~ ...... ~ ..... ~ ..,.... -,,-.~.•~·-···"""'~- . X LOAN M 1240004663 MIN l000721124000466Jl notice of trarl,fer of ~~rvidng. lithe Nole i; ~uld antllh~rcaltcr lhc loilll ~~ scr•·i.:ed I•Y a l.o311 Scrvic~r olhcr lhan lllc purct.;~'cr of the Note, II•• morl~a~c loan scrvidng ot;.lisauons Ill Burrower will remain wilh lhc loan Scn·kcr or be tmnsfcrrcd 10 a successor Loan Servkcr and :uc nul us;un1cd by ria~ Nntc purdmscr Wlli!S.~ orhcrwlo;c provided by the Note pureha.<cr.

NcidrCI B<>nowcr nor l...:ndcr mal' commence, join, or be joinctl to illlY judidal action (:•< cilh.:-r an indh·iduallitigunt ur 11M: mcmbcr of u class) !hat arises from the utbcr party· s actions pursu.mt to this S<'Curi!y lns!rumcnl or that alkgcs thatlhe lither 11any hM hrolaehcd :my pmvi~inn of. ur nny tlut)' n••cd by rta..;(lll of. lhi< Socwity lnstrurncnt, until such Bonuwcr or Lemler ha.< notified d>c other f>ruty l with su<·h nntice gi,·cn In compliance with lhe r~quilcmenL~ of Sccllnn 15) of ~'Uch all~g(~l l>ro~·b and .lllordcd the olhcr party h<!rcto a reasonable p<:riod afb:r the gi•ing of ~uch notice to take conective a<:tion. If Appfit•ablc law pnwitles a um.: period which must elapse before cer~ain action can oo taken, Ill~! time pcri<>tl ,..ill be tlccmcrl r.o he rea.<anabf¢ fur purpa.ws of \his p.11agrapb. lt.e notice of acc~lcrolion ami opponunity to cure gh•~• !o Borrower pursuant to Section 22 Wld 1llc notice of :w:cclcratinn gh·en to Bonuwer pur~uam to S<'l.1ion 18 shall be decml'<l to s.ali.~fy r.hc notice wul opponunir.y 10 lake conceth·c action pro•·is•ons or this Section 20.

Zl. lfuurdous Substances. As uo;cd in this St..:uun 21: (a) •H:t~.ardou~ Substance..~·· nrc thn~ sub~1a11ces dcfmcd a~ mxic or ruwudous subslll.nces, polluWIL~. or w~L<tes by Environmcn1.1l L1w and t11e following subs~111ccs: g:IS()Iinc, kerosene. <llher Clamrnable or tmtic pciiolcum pmtlucL,, l<>xic pc.ltkidc.s and herbicides, volatile soh·cnts, materials com.ai.ning a.'lx:slo~ or formafdcllydc, and r.>!lioattive materials: (b) "Environmental L:lw" means Ieder.&! laws and laws of the jurisllil'tilln where lhu Proper!)' is loc.:.~e~l that rdatc to health, S<lfe1y or environmental protection; {c) ·Em•irorunental CL:.anup· mdudes any rc.>')lUIISC action, rcn1cdial ..:tion. ut removal action. as tlcfmoo in Environmental Law; and (d) au "Em·imnmentnl Condilion' means a condition thru can cause, conlribulc to,m otherwise trigger ru1 Envitonmcutnf Cle.tump.

Borrower shall not cause or permit the prcscllec, U,;c!, di:~posal. stOrage, or r~fca:lc of any llal'Ntlous Subsl:lnccs, or lhr~atcn llJ rei= IUIY Ha1.ardous Suhslnr.ccs, on nr in the l'ropeny. Borrow~r shall nm do, nor allow anyone dsc r.o do. arlydling alf"'-'ling lire Property (a) rhal is in vinl3tion uf any Em·irunmcntnl Lllw, (b) wllich crcales an Environrnenl:l.l Condition, ur M which, due to the pr=ncc, u:~e. or release uf a Hal.ardous Subsume.:, creates a condition that ill.lvcrsely rufccls lhc valu~ o£ the Pmperty. The pr~..::ding two sen!Cnccs shall not apply r.o lhe 1>resence, use. or s10r.1ge on the Property <>f smnll qu:mtititJS of lllWII'doiLq Subst:~m;CS thai arc gencrnlly m:ognil'.cd n• be sppmpriatc Ill normal residential usc; and 10 mainrcnancc of the Property {including, but no11imill:d 10, hal.ar<lous subsl3nce.~ in COilSI.IIIM:t pnlllucts).

Borro'M:r !hall promptly give L.:ndcr wriucn notice of (a} lilt)' investigation. claim, demand, law~mil or other ac:tion by lillY go,·crnmenl:l.l or regul:nory ogcncy or prh·a~c IJ:II'Iy involving d1e Property and illl)' Ha1.:~ttltl1L' Sub.~1nce or Environmental Law of which Bonowcr b:u uwral knowledge, {b) uny Elwirmuncnllll Condition, including blttlml limited to, any spilling. !taking. discllargc, rei= or ~IIC<Il of rtleasc of IUIY llw.artlous Sub~l:ln<:'-', <Uld (c) 1111)' ~:onditilm .:au.ICII by lh~ pr(,o;cn~c. u~ or release of a H!ll.anlous Substu~cc which lld~crwly uff~clS the value of the Prop<'t'l>'· If Bonowu l~ams, ur is notified hy any govcmrncnlnl or regulnrory authority, or any private p:lll)', rl>atany removal or othrr rcmedi:uion or any H:ll."lftklUS Suhstllllcc affcclin,g lhe Pro(ll!rty i• nf.l:c.ltial)', Borrower shall pmmptly wkc all necessary remedial oclions in accurdr.nce wir.h En,·ironmentall.aw. Nothing hr.r~in shall crc~tc any obligation on Lmder for lUI EnvlronmcniAI CICllllup.

fo<tn lOU 1101

Page 68 LOAN 8 12(0004663 MXN 100072112400046631 NON-UNIFORM COVENANTS. BOITli\Wr nnd Lender further covenant nml agree ns lollows: 22. ,\cceluation; Rem•dies. l.ender shnll gi~e noUce to llurrnwer prir.r to L!Cctlcratlon follnwing Uorrower's breach or any tO\'enanl or ajlreemtnt in lhi~ Security ln.~lrument (but not prior to accelnatiun under Section Ill unless AppiH:ablt! Law prn\'id"-' otherwise). The nolle~ shall specify: (a) lhe defaull; (b) the action required to cure the default; (c) a dale, not less than 30 days from the date I be notice is gh·rn In Uumm·..-, by which the def~tull must be cured; and (d) that failure to cure the default un ur before the dale spedf'led In the notice will result In accelt!ration or the sum.< secured by this Security Instrument and .!ale of the Propnt)'. The notice shall further inform llorru•no· or the right 10 rein.~tate after acceleration and the ri~:htto bring a cuurl action to a_<;.~rt the null·e•l~tence or a default or any other dden.w or Borrower to acceleration and sal~. tr the default is nnl cured on or before lhc date specirled in the notice, l.ender at 115 optkm rna)' require immediate payment in rullof all sums ~ecurcd by lhl~ Security ln.•lrumenl without further dtmnnd and may im·oke the power of sale and ~nr other rrmcdies permitted by AppiiC'.tble l.aw. lender shall be entitled to collect all expen.'les incurred io pursuing the nmed~ pnn·ided in thi~ Section 22, including, but not limited tu, reasonable allnrne)'s' re<>s and costs n! title e\·idence. t'or the purp"""" nf thls Sectkon 22, the term "Lender" includes any holder cr tho Note who is entitled to r£<~ive payment.• under lbt Note.

If Lender invokes the power of sale, Lender or Trustee sha~ll ~ive notice or the time, place and tums or sale by JKI!iling and n.Iing the notice at lea•t 21 days prior to sale as pro•ided by Applic-.tble t.aw. Lender shall mall a rop)' or the notice to Borrower in the manner prescri~d by Applicable Law.

Sale shall be made at public •·endue. 'fbe s;,ole must begin atlhe time stuled i11the notice or sale or not later than tbrre hours after that time and between the hours or 10 u.m. and 4 p.m. on the li?S! Tuesday of the month. Borrower authorizes Trustee to 50!11 thr property to the highest bidder for cash in one or more parcel:! and in any order Trustee determine'!. Lender or its designee may purchase the Property at any sale.

TnL~Ite shall delh·er to the purcha.wr Trustee's deed cnb\'eying ind~feasible title to the Property with co,·enant.s of general warranty from Borro" er. Borrower mvenanl~ and agr~ to ddend gen~l"~lly the purchaser's title to the Property again.•t all claims and demands. The recitalS in the Tru.•tee'~ deed shall br prima facie e•·idence of the truth of the statements made therein. Tru.~tee shall appl)' t~ proceeds or the sale in the following order: (alto all expen.o;es or tbe sale, including, but nol limited lo, reasonable Trustre's and allome)"S' fees; (b) hl all sums secured by this Security lmtrumenl; and (c) any excess to 1~ person or persons legall)· entitlrd to il.

Jr the Property is sold pul'liuanllo this Section 22, Burrower or any pe1'511n holdinR p~o;e:;sion of the Property thrnugh llorro"er shall immedillteiJ surrender JK'-'i.~ession of the Properly to the purchaser at that sale. If p._lon Is not surrendered, Borrower or such ptrwn shall be a tenanl at suiTerancc and may be romMcd by writ of pos.stS.•ion or oUter court proceeding.

23. Relt!ase. Uron payment of all sums secured by U1is Security lnsuumenl, Lender sllnll provide a rclca.<e ur this Security Instrument to BOJTowcr or Borrower's designated agent in accordance wilh Applkable Law. Borrower shall pay any recordation cosu. l..:ndcr lila)' ch:ll'gc Borrower n fcc for rclc.'l.~ing this Sccurity ln.11111men~ but only if lhc fee is )>aid to a lhird party for services rendered :1nd the charging of the fee is pcrmiuru unde~ r\prolkablc Llw.

24. Substitutr 'l'ruslre; Trustee Liability. All rights, remedies and duties of Trustee under this So:curity Jnsuumcm rnny be cxcot:lSC~ or performed by one or more uustccs acting alone or tngclher. Lender. at iL~ option illld with or wiU10ut cause, may from time to time. by JXtwcr o! annrncy or o!IJcrwisc. remove or substituiC any trustee, add one or more trustee.;, or ap~10int a successor uustCI! 10 any Tru~te.: without lhe m:.7cssity of any fonnality other thlln a designation by Lender in writing. Without any i'unhcr act or C!tnVC)'iJDCC of the !'rop.:rty the SUb>li!Uie, additional or SUCI:C.<sOf trustoo shall b<£ome \'.:StOO with the lltlc, rigbts, rcmcdic.~. power> and lluties conferred upon Truste.:: hetcin and by Applicable Law.

TrlCitce shall not be llltbl" if acting U!K>tl aJI)' notir~. rCtJUC-,1, etms~m. dclnan!l, SUilemcnt m od1cr dQ~:um.:ntl>!licv~d b)' Trustee to be (orrcct. Tru.H~ shall not he liable ftJC any oct or umk,ion unless >uch act or om<S..~ioo is willlul.

. ...JI.?_fk Form 3044 110\ G·&B(TX) ~ '""'"'

Page 69 ~~1";"1~~., ...... -~ ... ...--·----""r--'•'"'""'__ . . ...,..;--.o_ •._._~--:-~"--·-··---·-· LOAN 8 1240004663 MIN 1000721124000t66ll 25. Subroj!aliun. t\ny of lite proL-ceds of lhe Not.: u~cd to 1:\k.: up outsLm.Jin~ hens again5t nil or any !XV1 uf the Prot"'rtY have been a.lv;mccd by lender at Borrower's request ami upon Borrmwrs rcprc:;-cntatioll that ~ucb ;uuuunl< arc due nnd arc so.:curoo by vali,lli•'ns at;:unstthe Prop.:rty. Lender :Jmll b¢ rubmgat~.d to My nntl all righiS, superior tiUcs, liens and equities o\\·ned or daimcd by uny llwncr or hol<kr of any ouL,L111ding liens and dcbiS, ~ganllcss <lf whether S<tid liens nr dcbLS we acquire<! hy l.cndcr by a.<signnu:nt m arc rclea<ed b)' the holdcz llwtoof upon payment.

16. rurtilll lnralldlty. In the cwnt any 110nian or !he sums iniL'mlctl to b" secured by this Security lnsll'umcnt \"atlnOt be bw·fully secured Mr~by, 1•~ymcnt.~ in reduction of such sums shall be arplicil rust ti> those ponions n01 ""cured heLcby.

21. Purchase Monty; Owtlly or l'artition; Renewal und t:xtensiun uf Ll~ns AJ!ain.ll llr.tm~st•:td l'roptrty; Mknnnledgmrnl ol C11.'1b Ad\·untrd Against Nun·ltomest~ad l'roprrt,·. Cherk hu.t u~ applitable: rurcha!K' Money. ll1c funds ad•·anced to Bonowcr undrr lhe Now were usoo U>tl<IY all ur pan uf the purch;I$C pneeoftl>e f'rol!-'rlY. The Note also is primaril}' sccun:d by ~tc vendors lien r~tuncd in ~tc dc'<.'d or ~,·~n date with this Security Instrument conveying the Property to Borrower. which •·cnd,>r's liert hiL~ b..'<'n a.<,igncd to l.e-ndcr, thi.< Security lnsuumcnl bl:ing additional sco;urity for such vendor's lien.

0 Owelty of Partition.

The Note reprcscnLS rund.~ advanced by Lender at the Sp<:einl instance and rc<JIICSI of Bonuwer for Uic puiJXlSe of ocqttiring lhe cmirc fcc simple title to the f'ropctly and 1M cxi<tcucc of :111 tw<clty of pJ.rtition imposed 11gairm. lhc entirety of lhc Propcny by a coun afdN or by a '11iltcn agr,cmcm or the parlic,; 10 the partltion tu secure the rm>·mcnl of the No!C L'! e.•prcssly m:k!luwle>lgcd, wnfc$Scd am! grant~< I.

0 Renewal and Extensiun of Liens Against llumestead Prllp•ny.

The Note is in renewnl and cxu:n.siun, but not in extinguishment, of lh~ indebtedness ll·~-;crib\'11 on the atlllthcd Renewal and Extensinn i!llhibit v.ohich is incorpornted by rtfcrcn~-c. l.cndcr i$ cxpn:.'>.'!l)' ~uhro~:ar~tl 1111 right.~, lieiL' and rc:rnetlics St~:uring lhc origiJial holder of a note evidencing Borrow~r's int.lebtcdnes.• and the t>riginal liens securing the indebu:dncss ll!'e renewed and extended to the date ,,r marurit)' of the Norc in renewal and extension of the indebtedness.

0 Ackno"·lcdgmenl of Cash Ad,·anct'd AJlaiiiSt Non·Homesl~ad Property.

The Note rcprr-'lenl!: fund.< ndvanccd 10 Bonowcr on lhts day at Bonowcr's request and llonowcr acknowledges rc<:eipt ur such fun•Js. Borro.,'t.'t ~1."\!Cs tlu:n Borro;vcr docs no1 now and lk~Cs mt intend ~vrJ to rc.side on, u~c in any rn;umer, or claim the l'ropcny serun-d by \his Sccurit)' Instrument ll< a hu>tn~s.< or rcsideruial bomCS~eud. BoJTow·er disclaims Ill! homesrcad rights, inu:r•.:sL' and i;~cmptions r"lat.:d 10 Ute Proper!)'.

2!1. l.oan N111 a Home ~:qulty Loan. The Luau el'idetKfll by the Not• is out an rxll'll,ion or credit as ddined lly S~tiun 50(a)t6J or Secliull SO(a){7), Arlitle XVI, ur the T~xiiS CoruliiUtion. lr lh~ l'rnperty Is u.'l4!d as Rnrrowrr's resldtn~r, then Borrower agr~ lbllt Borruwer will recei<r nn ca.•h from the Luan e•·ldencrd by tile Note and that any adv1111ces nut 11rcessary ID purchase the Pro~J~rly, ~llllinguldl an muhy lirn, cumplel~ cun.~trudiua, or rene,.· and utrnrlo IPri<•r lwn DRainst tllr Proper!)', will be used tu rc:ducr the balancr nldenctd by lht NDte ur 5u<h Lu11n will t-e modifotd ro <'·idence !Itt cnrrrct l.n;tll balance, at Ltnlkr's optlun. !lorro..,.rr PJ!rffi!IU er;ecule any documentatktn nec~~arr Ill comply ,..i!h this Sn:tiun Ul.

..

O·&B(TIC) lOOil$1 forrn 3044 1101

Page 70 LOAN § 1240004663 MIN 100072112400046631 DY SIGNING RELOW, Ourro"'er occcpL' lUld llgrcc_,; to lhc tcnns ;uod co,·cnanl< etlll~oincd in ~ois Security Instrument anti in any Riclcr c~ocutctl hy Rorrnwcr and rccnnled whlo it.

- - - - - (Seal) Pletze Sro>m JR. ·Horrowcr

- :::?

4::!:.:!~-- (Seal) ie Brown -Borr,.:nwer

(Seal) - - - - - - - - - - - - - (Seal) ·Borrower -Horru~A'tr

(Seal) --------------(Seal) ·Bmrowc:r ·Horr.Jwer

(Seal) - - - - · - - - - - - - - - - (Srol) -Burrower

Foom 3041 1101

mr2 13 0 !1 8 83 Page 71 ~p>:!=T'!:'n'l.)?t... l'.-~,.......,. ... ~....,~.....,...._., ..... r. .-...,......, .... -.,..-..,,....--a.-·-·--,.~-----......---r------·-·--.,--Y ...-..-....... ·· --v~--··~·.,...-•. -" ·· ···· '· . : LOAN • 1240004663 MIN 100077.112400046631 ~nAn:m'TEXAS County of D a I I (\ S Rcrorcme L <- 15.... ~· i:::> \> L e-1"'2..-C 75 p. 0 1.-',., J" ~ B R..c~~"' knmvn lo me (or pro,·cd 10 me on the oath of ar through \ ) A 1u e 1< L i c to:- f'J S C 110 I>< Ute l"'r:<On wllo~ numc i$ suhs.:rih.:d 10th<.' foregoing instnuncnl und acknowledged ID m~ that l#.>hCilhc)' elecutcd the j;;lfnC ft1r tile Jturposc.~ and con.,idcration dterdn cxrrcsscd.

Gi~cn umlcr my hand ;uld seal of office thi,; f{p tla)' of CJcT ~0 J., (Seal) '-....

G c.... ~fS.__._( "Sul.,.r)' 5"'ubtk

My Commission Expires:

Form ~044 1101

Page 72 ~""""·~Al61.?!''tr.'"'/"f".-··~--~.~ ··--·-----...,_.,__________ ,_.,. ..... _ _..,_~-----· ·-· ·---·- •• ••'---JO ,r,.,_...,...._,,_. ·~ ~~,....,_,.._,,_

'· .

LOAN ~ 1240004663 VA case No. LH-49-49-6-943752 \1 A GUARANTEED LOAN AND ASSUMPTION POLICY RIDER NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS OR ITS AUTHORIZED AGENT.

THIS VA GUARANTEED LOAN AND ASS IJMMlON POUCY RIDER is made lhi.<~ 16th day of October, 2002 , and is incorporated inLo ami shnll lx: dccm~d to amrml and Sllpplcment !be Mons:ogc, Dill.'d of Tntsl or DeW to Secure Dcbt(hcrcin "S.xurity IMtrumenl") dat,•d of even date herewith, given by the undusignctl (herein "Bonower") La so:urt Borrower'~ Note to &B HOM! Mortgage Coapany, an Illinois Corpo~ation

(herein "Lender} Slid rovermg thl:' Property described in tltc So;urity ln.<lnlmcnt and located Ill 24141 Poinciana Lane Dallas, Texas ?5212 IProputy Addreul VA GUARANTI!ED LOAN COVENANr: In addition LO lhe covcnaniS ;md agreements made in the Security ln5lnlmcnt, Borrower and lender further covcnam and agrre \lS follows: 1£ the indebtednesS ~ured berchy oo guarunllXd or insured under Title 38. United State.• Co.le, ~"ch Tid" und Rcgublicms it:!lucd thereunder and in effect oo lhc dale herwf shall govern the righL~. dutit.l nnd liabllilies of Borrower and lender. Any provisions of lhc S«"urity lnsaumenl or oth.,.- iRitrumtnl:i c:«<utcd in c:onncclion with said indebtedness which are iuconsislelll vdth said Tillll or Regulalions, includin8. but not limiled LO, the Jtrovi>ioo for payment of any Stllll in ~-onncc:lion with prepayment of the S<~urcd indebtcdn~M and lhe pruvisl011 lila! the Lender 1l111)" acrelcrau: payment of the secured indebtedness pursuant 10 Co•·enant I g of Lhe Sc:c:urity lnsuumcnt. are buehy lllllcndcd or ncgatcd to lhe extent necessary to ~-on form such inslnUIKnl:llo sald Ttllc or Rcgulaliuns.

IIULTISTATE VA GUARANTEED LOAN AND ASSUWPTION POLICY RIDER .*53811 (9904).01 fJt:J. 3!911 Page 1 of 3 lnmalsn_,_-,Qjj VMP MORTGAGE FORMS· (800)52t-729l 11111111111~

1rn:2 I 3 0 4 8 8 5 Page 73 "'·""·s-11'-1"'- ~~;--~~-t'_'t"" . -;:o-r...~•·r-::--- ... - - -....·----...- -....... --~-----Wir"" --~--·~·--¥·. -~·~-·- ., ....... " LOAN ' 1240004663 VA Case No. LH-49-49-6·943752 LATE CHARGE: At Lender's option, Borrower will pa)' a "la!o char~c· not e.~cecdmg four per ''-~llum (4%) of lht 0\'ccduc payment when paid lllOrc Ulllll nru.:n ( 15) day~ aftCI' the due dalG Lhr.rcof to W\'cr tltc C~tra CJ~~nse involved in handling delinquent paymcniS, hut sudt "lau: 'hargc" shall nm be payahk out oi tire proceeds of any sale made U> satisfy the indcbtcdneo:.~ sccllr<'<l hcrcl>y. unk<< ~uch rnll:e.!d> am sufliciwt to disch.uge llle entire indebtedness aml a!IIJrO(!Cr cost~ WlrJ expenses sccure1l hereby.

GUARANTY: Shouhl tJtc Dcparmtcnt (>f VrJcmns Alfairs fail or refuse to i,:suc il~ guammy in full amount wilhin (1(1 days from llle dat.: that thi~ loan would nom1ally become eligible (nr such guaranty comnuucd upon by tJtc Dq>artmcnt of Veterans Arfllirs und'" the rruvisions ol' T1Uc 3X of the U.S. Cude "Vctcr;m~ BcnefiiS," tJte Mortgagee may declare the indcbi.Cdncs~ hcr~by =:ured at nne~ due and (ll)'ilbl~ :111~ may foreclose irnmtdiau:ly or may cxcn:isc iliiY mhcr rights her~under or take ;my otl•er pm;;~c:~ ocuon a~ hr law provided. lRANSFER OF THE PROPERTI': This klan may be llocl:u-cd irnmcdi~lely duo and (Y4yablc upon lrnl~<fi:r l>f the propcny securing such loan to w1y uarufcr.:e, unless U1c ~ceptahility of the a.o;,;umptinn of the loan is c.~tahlishcd pursWI!lt to Section 3714 of ChaJ>I.I:r 37, Tide 3!1. Uni~d SL1tc' Code. An authorized uan.~fcr l"n.<SUmption") of the properly shnll also !><: subject tu ac!dilional co,·cnanL; tmtl agrcemenl~ ns SCI fonlt below: (a) ASSUMP110N FUNDINg FE!!: A feG cquallo one-half of I percent (.50%) of tlw b31ancc of dti~ loan a.~ of lhc date of lJansrer of the JUOJJCrty shall bc p:~yabl<l at lhc time of transfer 10 Lhc loan holder or iL~ authorized agent, r.s trusooc for tJte Dcpanmcnt of Vcurans Affnirs. If the a.-;:;umer r.Ul< t<J P''\' this fc~ m the time or uan.~fer, the fcc shall constilutc an additionnl dcbtw lhat nlr.,My sc~urcd by thi' insuurncnt, shall bear iniCrest 31 tJte rate hcuin provided, and, at the option of tile payoo of the indebtedness hcrr.hy se-cured or any uansfcrcx: thereof, shall be: immediate!)· due :md payable. 'Ibis fee is auu•matically wotiY.:d if the <tssumcr i~ e~empt under lhc provisions of 38 U.S.C. 3729 (c). (b) ASSIIMPDON rROCESS!NO CHARGE: Upon 3JIJIIiC3tion fm approval "' allow auumption or lhL~ loan, a processing roo may bc: charged b)' lhc lmn lm!der or its authori7.cd <JgCilt for determining the creditworthine3S of the n.'L~umcr and subse'lucntly rc<ising tl1c bolder's ownership records when an appmvcd transfer is ccmplctcd. The amount or lhis charge shall not cxc;:cd the nlll!<imum •":.tab\i;hcd by the Department or Veterans Affairs for a loan to which Section 3714 of Chapter 37. Tirte 3X, Unilcd St•IICS Code. applic.-~. (c) AS_SUMPTION JNQEMNITY L.IARILITY: If lh1s obligation i' a.<Sumco.l,then the assumcr hcrchy agrees to ~'ume all of the obligaticms of tlae vcrcrnn untkr the 1cm1s of the ins!rum(nL~ creating um! s.:curing the loan. ·n.c assumcr further agn'''~ to irKkrnnify lht Department of Veterans Affairs U> the c~l~nt of any claim pa)·rnent arising from th~ guurnnty or in.~urante of lhc in<kbtednc.ss ncatcd by U>is instnuncnL

0_:531A (i1904j.OI Pago 2 ot 3

Page 74 2il!72 I 3 0 ~~ 8 8 6 .... ~~~~~"'··"'·!\- l~ll',.·~.~~1'~, . . ...,~~...._- .................. ___ ~-------·-·-· . . -----.__,... ..____ ,___~,---.......,_ ........... •.--·-.... . •• , .. .,.... • •>It>·• -~-~ ••• ~ • ', '· LOAN n 1240004663 VI\ Case No. LH-49-49-6-943752 IN WI'JNESS WHEREOF, Dorruwcr(s) ha.~ executed thi.< VA Guaranteed Lo31l an~ AssunlJllion Policy Rider.

A.~ ~V--'< -/1- Pletae B"town JR.·---------1-Io-,-,.-w-cr

·Borro'la'Cr

·Bnrrowc:;r

~Borrower

O;s38R t9904).0T Page 3ol3

L:Tr72 I 3 0 4 8 8 7 Page 75 11-G!I'f-"!!.)P'!!.-~- .. ~~=:"'--"'-_---·--"='"'~- .. ~.-··-- ......... --.--~·..-..---~-- ..- J+ .....-._, ...................,.. ---........ , ... ~-v-· ·""o'JT>''"''"-·•· •••• '\ .

LO~~ # 1240004663

PLANNED UNIT DEVELOPMENT RIDER THIS PLANNED UNITl>EYEl.OPMENT RIDER i.l made thi.~ 16th 1lay ur Oc t:obar, 2.00 2 , ami is incorpo!ah!d imo and shall "'-' dccme.d to amend and supplement the Mortgage, ~d of Trust, or Security Dc~d (Lhc "Seturity lustnnnen(J of llle same 11alc, given by the und<rsisncd {tin! "llorruwcr") tr• 5<."Curc Borrower's Note 111 ~ KOMB Mortgage Company , an Illinois Corporation (the "Lender") of the same date anti covering the Pro~ny Mscribed in the Socumy lnstrumem uml located nt:

2412 Poinciana Lane, Dallas , T~s 75212 IPror••l)" Addreul The l'rop.:ny include..~. but is not limit~'d 10, a parcel of land impruvcd with a dwelling, IC!gethcr with otfn!r such parcels ami certain common areas and fadUlie.,, as dc5cribed in COVJ!RAN'l'S, CONDITIONS, RII:STRICTIOKS (the "Dcctaralion•). The Pr~ny is a part or u planned unit dc~eloJ!Tnetu known as Greenleaf Village f'Na.m• ol Planru:d llnu ~"dotrmt:ft.t) (!he "PUD"). 11le Propcny al.w irtcludes Borruwr.r' s ir1tercs1 in tile homeowners association or equivalent cntily owning or man:Jging me common area.• and facilitie.s of the PUO (the: "Owners A-':wc!ation") and lhc uses, bc:nefrts and proc:ccd.• of IJorrowct's interCSL PUD COVENANTS. In addition 10 lhc covenant~ ood agreement~ made in the Scruril)' Jnsuumenl.

Borruwcr aml lxfldcr fu!1her covenmu and llgfOC liS folluws: A. PUD ObligalloM, Borrower ~hall JlCrfoml a!l of DnmlWL'I"'s obligations und~'l" the PUD', Con~"lltucnt Documml:l. The ·constituent Do.."UJnenl:l" ure lite (i} ik;;laratiou; (ii) articles of int-oriJOrdlinn. tnlst instrument nr Dll)' e•tui,·alcnt document which createS tile Owner~ AsS<lC!ation; and (iii) lillY by·laws or other rules or rl.'gulalions of lite Ov.nors Assodation. Borrower shall promptly pny, when d11c, nil dues and a!I:<CSsmenL~ imposed pursuantru dtc Constituent Document•.

IIULTISTATE PUO RIDER. S1ng1o Fmmily- Fonnlolholfreddlelloc UNifORMINSTRUMEtgd-.9& Pago I ot 3 lnrltals. YrI Cit7R (00081 VMP MORTGAGE FORMS ·{800)52t-7291 Form 3150 1i0'

111111~1

Hi?2 I 3 0 ~ 8 8 B Page 76 LOAN I 1240004663

II. Pro~rty lruuruncc. So long as the Owners Aswcialion mainl!lins. with a gencrall)" accCJli~U insurance carrier, u "muster" or "blank~!" J>Oii<:)· insuring th~ l'ropcrty whkh i.< Stlli~fn.:tory 10 Lendfr and which pruvitk.l insumnce co~cr-o~gc in !he amounts (including dcduttiblc lcv.:L1). [nr the p.'fiOil<, <UI!I ugainst loss b)• fir~, ht11Julls indudc!l within lhc tcnn •c~tcndc<l i:Ovcragc," and 110)' t\l.her b=tls, including, but not limilcd lo, c:uthquakc.~ :md floods. fo; which Lender reqnir~s illlM<lfiCC, tJ~en; (i) l.cmJcr wai1·es th;; provision in Section 3 lor the Periodic P..1yrncnt 10 Lender ol the yearly premium installment~ fur pmpcny insur.mcc on !he Propcny; and (ii) Borrower's obligation undu Sccuon 5 ttl main~1in JIWI!Cl'ly insuranec cOI·~rag<< on tl1c Proper!)' is <IC..'fllcd ,;afufiCd to tile c•tcnt that !he required •overage is pro'· idcd b)' the Owner.~ Asso<:i.'ll.ion (l'.llicy.

What Lender rcllllirC.S iiS II ~ondition of this wah·cr ~-.m l:llilllgO during LIIC lCJlll of tht.\ 1\lilll.

Borrower shall give Lcn,tcr prompt nmkc of an~· lap•e in rcttnlred prnpt."'t~' insurilllce co~cragc pmvidL'<I by 11\c master or blanket (IO!icy.

In the event of a dl~lribulion of prop.:ny in.1ur.mce procc<~.l~ in lieu of rc~tor01lion or rcrlair following a loss to lhc Prop:ny, or to common area~ and fa.:ililics of Ute PUD, any prOt'CCd:i (Y.lyublc ln Borrower arc hereby a~igncd nnll shall he raid to Lender. Lender ~hall "P.~Iy the procet•ds to !he smm secured by the Security lnslrumcnt. wllcOII.-r or not ll".co due, wilh lhc exec.<.•, tf tmy, pnid to Borrower.

C. Public Liability lnsuraacr. llormwcr 5haU ~'Ike Mh ncliOIL~ as muy be rca\'Onahlc 111 insure dtatlhc Owners Associ.11ion maintains a public liahilil)' insumncc policy acceptable in form. tmlouot, and cMcnl of covcrugc to Lender.

D. Condrmnlltion. The proceeds of any llW:Ud or rl.1im for d;unagcs, diiL'<:I or con~ucnti:tl, pa)·abk to Borrower in <:onncclion widt Wly condemnation or other ~JI;ing of all or any part of the Pro(l<.'rt)' or II•~ common area. lflld ra.itilies or the PUD, or for any convcynncc in lieu of con!lcmn.,lion. urc ltcreh¥ a>~igntd and shall be paid to Lender. Such proceeds sball be applied br Lender lo the .,ums s<cur~d by the Socurity Jnsttumcm a< pnJVidcd ill SIX!ion II. •;. Lender'~ Prior Co-nt. Borrower sballuot, c.'cept uflcr notice 10 LCllder untl wilh Lender's prior written ronscnt. cilher paniti<m or aubdi,·idc the l"rup<.rty or con.'ICJllto: (i) the nband•~unt4ot ur tennination or dte PUD, CllCept for abandonment or termination required by law in tile L'115C or substantial deslructinn by rue or olhcr ca:rualty or in the = or n laking by condeiiUillliDII or eminent domain; (ii) any amcn!lmenlto :l!l)' provision of lhe "Constituent Documents" if the proviSion l• for UlC exprcs.• benefit ol' Lender; (iii) ~rminaliol'l or prolcs.<iolllll mmtagemcnt and as..~umplion of seJf.m;~nageoncm of tltc Own~-r~ A&wdation; or (iv) any ;~etiml whkb w011ld have the crrcet or Jtndering lilc public l~1bilit)' insurl\ltc~ mvcmgc m;linlllinc<.l by the Owner.; Association unac~eptablc 10 l...cndcr.

Jo'. Rl!rnedics. If Borrower d<lts not pay PUD dues and i\.'ISCS.\mcn~~ when due, th<.'n lendi'.r may p~y tllcrn. Any amouniS disb>.lrscd by l...cndcr under !his paragraph r 511all becornc ll!ldilionalllchl of Bormwer scx:urcd by lhc Security lnsiiUnlCilL Unless Borrower ant! L:rnler :Jgree to oth~r t.'tms of P.1)1ncnl, Ll!esc DfliOunts shall he4t intcrc-lil from lhe dme or di$burscmcnt at !he Nute rate and shall be payable, with intereiil, upon notice from l...cndcr Ill Burrower r<'QIIC$ling Jla)1n<:nt.

Pago ~013 form 3150 1,01

Page 77 ~AN " 1240004663

BY SIGNING BEI.OW, BoiTUwcr accepts and agrees In lhe tmns ami provisions cm;lilim•d in this PUD Rider.

(Seal)

(Seal) _ _ _ _ _ (SO-'ll) ·Borruwn ·Dot'l'o-.et

_ _ _ _ _ (Seal) ·flllrTOWC'f

___________ (S(~) (Seal) ~RCJttL'IW~I ·Durruwcr

Poge 3 ot3 Fotm 3150 1/01

iJ!?2 I 3 0!t 8 90 Page 78 Jtt':d~J"W jU'il'o~J;~ ... ,~ .. ~ .......................,__......., --·-~~ .... -._.,. ......, - -..- -........ ~~·~"'·--·-· -·--··· . •, LOAN # 1240004663 VETERANS LAND BOARD YetcraJL'i Housing Assistance l'rogram DEED OF TRUST RIDER (for Onl! Norc Situations: Veterans umd Board as Sole Beneficiary of First f\Iortgagc)

Tilt righL~ ~nd abli~ations of II~~: De.:d ,,f Trust (d~e "Deed of Tru.~t") to wbkh the Rider is auach.:d and we promissory rmt.: des..-ribed in diC o•.,d of TnL<I (the •Note") which it ~•..,urc:~ arc ""prcs.<ly rll:ldc subjc:.:r ro rhis Rider. In rhe e•·em ol aoy conlli~t betw~en 111.: prn•·i>ion.< of this Rid~r and dtc pro~isiuns or die 0«11 of "fru.<~ liT Nme. tile pmvi>iuns of tbis rilkr sh~JI .:unuol. To tile c~tent dial tltey ar~ nut nmdilied by this Rider, all the renn.<. conditions and nther pro1•isions of dte De..'d of Tru.'ll and Note r.:main in full for.:e and cff,'l:t. The furcgoing pro•·;sion< are ~'Upplcmcnted tu, and do nrrt ruptrsalc, all)' pro\'i~orlll under Urc Da:d of Tro~t pr~viding for a.::cckrntion uf SiJCh loan.

I. In d1e ~•em the Dorrowcr dut:ti 1101 occupy rhe propcny purd~;rscl with did pn•ceros nf !he loan •'·idcnced by weProgram Notc :Li 1be Borrow~r·s priro.:ipal residotw:~ for a period 11f tllra: years frnmlhe dat~ 11f lire pun:lta!'c of such pmpcny, or if tho Dorrow\!r ,halllo:t~«'. tntnsfer, Sllll or cou\·ey, in whole or in pan, lllc Borrower's intcrc~t in stJCh properly. the Veter:lll.< Land lioard of the Slllte nf Texas, as holder of the Nme, may, to the extcm p.;mtiued by applkable law, require <'>'C31ation of the intertst rate on the Nme or a.:cc:ler.nion and immediate paymcrrl of principal of and interest due em rltc Note and/or may pul'!<lle such odrcr remedy or t<Jilrl": of a~:lion a.~ it may derrn appropriate and in !he bc:sr interest of we Vl!leran~ Housing Asslst:mce Program.

z. This Rider ~hall be binding upo11 and inure ~1c bct..,fitllf the pank~ or tlte Deed of 1'rust and lheir te:;pc~:tive S11\."';c!!'llrs .and a..;.~ign~.

NOTICE TO BORROWER: THIS DOCUMF.NT MODIFIES THE TER..\JS OF THE DEED OF TRUST. DO NOT SIGN IT UNLI.!SS YOU HAVE READ AND UNDERSTOOD IT.

I b~reby corLo;tOt to lite modifications of the term.< of the Deed of rru.~l "'·bich are COI\taiotd ir. U•is Rider.

llorrnwcr·~ Sign:uur~

Pletu Brown JR. Jessie Brown PrimedN.atll1: Primed Name

f~rrmwcr's si,rtarur~

P[imc:d N~uk: Pnntocl N~u~e

ltiiMC·1S2lOii·99J !IIIIIII Page 79 'l LOAN i 1240004661 THE STATE OF Tr:XAS COUNTY 01' _ _J>.....:t::.._:.:''....J'c...:l_c._.t._

BEFORE MH, tit~ undersig111:d, a Nmnrv Public in aud lur Tho State nf Texas, ou tl1is day pcr~onallv :~pp.:a~d PL,..T2.f" ~/?.<),.. ,... -:J~, jiC:SS!E Bt~lly.nJ . koown to ntc: to be the p.:rson(~) "·htlsc nan~e(~) i~ (aroJ sub;;critxd to the foreguins iiL<Innllelat, and ;u:kuowledgcd '" otc: thai he (~he) (lhey) c•ecutcd Ute same for dtc pUrp<>SC.' and tllll>idcratiun thcrdn "'pre~<cd.

GJVI!N UNDI!R MY IIANJ> AND SEAL OF OFFICE, thi~ ---'-f_,b"'--- day or _ _ __ Q Cl d-.-,<>,). , ----·

L c..

Notary Public in and (or THE STAT!! OF TE::XAS

My C.<lrnmission &pires:

This instrument was prepared by:------------------- Addrcs:;:

llllt/IC-61~21otll!l9l 2W12 I 3 0 IJ 8 9 2 Page 80 • Ill"' tl}flltl:ll rt;.""''!"~;tW:I.~(""•P..-,w-.--- ....... ~·'r' ........ _ _ _ _ .,.,, •·-~• ·~"'f''""'''-""'''""-~'_.,.,r-,u,- ·-..

"'\ t - ;.nmo:J s'>'ll~.a ~1:131:1 ) 1H!\0:-~ ~:)()lli?: '"'1.: \ :Z 1:!~ OC lJO Z~Ul

Page 81 THE STATE Of TCXAS COUNTY OF DALLAS hereby certify that the above and foregoing Is a full, true, and correct photographic copy of the original record now In my lawful custody and possession, rued on t~e date stamped thereon and as the same Is recorded In the Recorder's Records In my otrlte under the volume and page or instrument # stamoed thereon. l hereby certify on • SEP 2 4 2014 ounty, Texas Exhibit ''C'' Substitute Trustee's Deed dated October 6, 2009 ELECTRONICALLY RECORDED 200900321693 11/13/2009 03:32:48 PM TR DEED 1/2 NOTICE OF CONFIDENTIALITY lUGJlTS; IF YOU ARE A NATlJB.AL PERSON. YOU MAY REMOVE OR S".l'RRKE .ANY OR ALL OF TRE FOLLOWING IN'FORMATION FROM ANY INSTRUMENT THAT TRANSFERS AN INI'ER.EST lN REAL PROPERTY BEFORE :rr IS FILED FOR RECORD IN TID: PUBLIC UCOimS: YOUR SOCIAL SECURITY NUMBER.

OR YOUR DRIVER'S I,.ICENs:E Nl.JMBElt.

241Z POINClANA LAh'li DAU.AS, TX 75Zll 4~-49-6-0943?Sl l00900181l03!KI *CORBECTIVE SUBS'lTl'UTE TRUSTEE'S DEED GRANTOR(Sr. DEEDOFTIU1STDA.'l1!: Octob.lriG,Z002 JE.SSJl! BROWN DAT£ OF S.o.LE Ol' PROPERTY: Octobet 6. 200!1 l'lZI'ZE BROWN. lR.

Ol:UOlNAL MORTOAOU: MOIITGAGB m.EC'Ill.ONJC RB:aSTRAUON SYS'tllMS.

TIME OFSALI!:- ..:;,..._ __.~ 'Q : 30 INC. ("MaS") AS ~OMINEB PLACEOFSALEOFPROPERTY: l'Hl! AlUlAotrrSlDBON Tall NO!I.taSJ])ll OF niB GBOltGI! ALL1£M COURTS BU!LOING FACING COMMER<:a snumnmr.ow 11!1!QVERHANO ORAS DESIGNATilD BY THECOUNn' COMMlSSIDNEliS CO'RR:£NT MORTGAGEE: GRANIESIBUYER: crilMOR:roAGE,INC. CITIMOR:I'GAG1J.INC. MORTOAGR SBll.VTcm: Gl\ANTlli!.'IWYER!S:VJJI..ING-ADDRESS: C!tiMORTGAGB, INC. S'..SO COllPORA'I11D!lV!; PIU!Dl!IUCK. MI>ZI101 :RECOlUlED IN: VOLI..'ME2002ll3, I'AG£04869.

AMOUNT OF SA.LE; S J1 ~......_go~_,_'f'tl l'ROl'llRTY COUNTY/LEGAL DESCRil'tlON : D.ti.U.AS :aF.IN'G LOT 22, BLOCK 00, AMilNDI!I> PlAT GPJ!:ENLl!Al' VlU.AGS PHASE <JNI!.. A.'l ADDI'IION 1'0 Tf!B CIJY OF J>AU:.AS, TEXAS. ACCORDING TO THE MAP OR SAID ADDmON AS lU!CO!WED lN' VOLUME 2002144. PAGE 1586. MAP !U!COKOS OF DAI.LAS COUNTY, TE.XA:l.

Gnwcr -"'!:'<'! m.: piOpcny 1o T . - io. 1r1m 1b _ , p>)'DlO:lt of 1bo """'· ~. lbto1zsh 11!• M~!ll' S=!c<r, d~ dud: Gtomor ~ ;,. ~a tliO obl!pticao of 410 D<cd of '1\uot. Cw:n:cl ~.. of a,., Nom, ~ m.: .Mort;oao Sc:rvi<ar. -glyhna-"""<'SnbmuleT-und~Sillostil>do~l<>cn.!broetlJco=t.

No..... stDliDg lbo " - pi""- , _ of soh: of lhe propc>1y w= mailed,. pcolod.....:! &td. ., ""~"ired by law. S.bstltotc T....,. ool~ tho p~ I!> Su,=; wh<> w,u 1l!c hl8h.ot b!ddot at tho pub& _,..., jQr d...,t o( solo In a,., , _ pmcribc<i by law. lbo Su&;.ct so1t wea COtld1:otod "" c:am..- than .llll!ll!ld •• let fm1h fa tho Nati'co <It 8ubstitut> ~. Solo au<i was COD.wa..!. .,;Ibm - (3) b.oors <1f ouch tlme. Allmallm, dulles""" obligatimm or~- !""i\IJo/pcdOmttd.

SUb>'l:ilole T....tco,. subjc<:t to lilly - of ~ - for - "* ct: sal<> poid b)l 'buyer eo&~il<roli.... l!l'!llS. <dls - COI1VO)'I lo Buyer, Buyct• lu:i%s. llX<Qltoi:S, ·~. - or asriens ilmll:r, lho I""J'CrtY togdbtr w;lh .n tlghl> ocd ap~""""' bol~ to Gronlot. SUb=thute 'l'No!o• ltctcby .en.

1&o abo"" ~d l""l'trll' AS J.ll wilhout MY ·~ <>r ;.,plied """"""""' coteep\ "' Ill Wlll'mlli<11 t>f Iillo, ud li=W -~ lbc pr~ t1> the ~ Dl tllo P"""~ """' tisk, !)UI'illll>ll to the 1mn:o or T..,.. ~Code~' 51.002. and S!.009.

'IV!Th'ESSMYBAND,tbb ! \ ~ \,Q-<Jj #a-. il.t~JO;mms;;;;L;;ii~X;j:II~I6;j;!l;'j,!LLALC<ll!.NAU:oii~eei~~':lj;:t,...FfEilNiM$i~B;,----- Subslitult: T=t=

1!ofcte ,., tho u:14o~ Nom.y l'lll>li•. Ill> d!i< c!a.Y pmoDilly oppoatod B: Ids M; lO Pnfi&H. R. 1\J..COAA 9R ~ fEifiSiliill: A> S.bdiNlo or.-, known to - or ~ to - lhm"tth a VIliS Sl>lo dri...,.• - "' o<lw: oaiciol ~ dosms'bad .. =---~:---:-::~--' 10 bo !lao penon 'll'lu>oo - it$>~ !!> lbc ~ ~ ud ~ 11>..,. lhoal becx....Joc!tliO=e{crtho-IIDd~tlo:<cirr.~ Giv"'""""" "'Y h>D.d """s=~ ora!lico lhb l l ~ I d ~ 0 "t .

RE'I'IiRN 1'0' BIIRRI!TI' DAl'PIN l'RAl".Pll1R lriiiEIIIIIIIIII~ml~lllllllillllllll nru!BR&.ENG:ll47..J...l>.

15000 SuM:,yorlloolcl>-..11!, SUit• 100 ~t-15001 STD200900lll803941 CO!Icctho:Sul>sdt&ltoT:o>tct'&l>ood (VA) SttbTNI-~·(~fll/lOOS) I Vcr-11

---------· ·----- Exhibit ''D'' Notices to Vacate dated August 13, 20 14 PLETZE BROWN, JR. 00000003709672 EVCT 2412 POINCIANA LANE DALLAS, TX 75212

NOTICE TO TENANTS REGARDING THE "PROTECTING TENANTS AT FORECLOSuRE ACT OF 2009"

ARE YOU A TENA.l""JT OF THE ABOVE REFERENCED PROPERTY? IF SO IMPORTANT INFORMATION IS CONTAINED WITHIN THE ATTACHED NOTICE.

PLEASE READ CAREFULLY ISTC

BARRETT DAFFIN FRAPPIER TURNER & ENGEL, LLP IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

BY_TtrumtsAct2009_Danner_.Manual.rpt- (0 J/19/20 I 0) I Ver. 05

Page 91 BARRE'IT DAFFIN FRAPPIER TURNER & ENGEL, LLP 15000 SURVEYOR BOULEVARD A PARTNERSHIP INCLUDING SUITE 100, DePARTMENT 400 l'ROFESSIONAL COIU'ORATIONlJ ADDISON, TEXAS 75001 TELEPHONE: (972) J86-SC40 XITORNI!Y:I ANDCOUNSRLORSAT LAIV TRLECOPIER: (972) 341-0734

August 1:3, 2014 00000003709672 IF YOU AUEA TENANT OF THIS PROPERTY YOU J\1AY HAVE CERTAl.J.'l RIGHTS AS SET OUT IN SECTION II OR SECTION Ill BELOW.

PLETZE BROWN, JR. 2412 POINCL\NALA.t'IE DALLAS, TX 75212 RE: Premises located at 2412 POINCIA.t'IA LANE, DALLAS. TX 75212 (hereinafter referred to in this letter as "the property" or the "premises").

Please be advised this firm rcprescnl3 CITL.viORTGAGE, INC. who purchased the property at a foreclosure sale held on Tuesday. October 6. 2009, or is the successor in interest to the party who purchased U1e property.

PROTECTING TENAl'lTS AT FORECLOSURE ACT OF 2009 If you are a Tennnt of the property, you may have certain rights under the Protecting Tenants o.t Foreclosure Act of 2009. ·Please contact us immediately to let ns know if you are a Tenant and please provide us with proof of your tenancy, such a~ a copy of yo\tr Lease or copies of rent receipts. · Section r. NOTICE TO VACATE TO QCCUPA.t'IT<Sl WHO ARE NOT TENANTS Unless you are a Tenant as describ<:d in Section II or Section ill below, this letter constitutes formal and final demand that you VACATE THE PREl\'fiSES located at 2412 l'Ol.NC.lANA LA.t'IE. DALLAS. TX 75212. If you foil to vacate the premises three (3} days after delivery of this notice, our finn has been authorized to file a forcible detainer suit against you for possession of the property.

Section TI, NOTICE TO VACATE TO TENANT<Sl WITHOUT A LEASE If you are a Tenat•t "'ithout a Lease or with a Lease terminable at will under applicable Texas law, please be advised that pursuant to tfte Protecting Tenants at Foreclosure Act of 2009, you must vacate the premises within ninety (90) days from the date you receive this notice. If you fail to comply with this demand, our firm has been authorized to .file a forcible detainer suit against you for possession of the property. If suit is brought against you, you may be liable for the attorney's fees and court costs incurred.

Section III.

NOTICE TO vACATE TO TEN.AJ.YJ:<Sl WITH A LEASE If you are a Tenant and yon are occupying the premis~s under a Lease that you entered into before the foreclosure, please be advised that pursuant to the Prot(.-cting Tenants at Foreclosure Act of 2009 ("the Act"), you are entitled to occupy the premises for ninety (90) days after you receive this leiter or until the end of the relllllining term of the Lease, whichever is longer. If you are a Tenant who has a Section 8 Youclter, you have additional rights to continue to occupy the property. In order to confum your status as Tenant, you must provide this finn with a copy of your Lease Agreement or other evidenee of your tenancy including evidence of your Se~:tion 8 Voucher (if that applies) within ten (10) days from the date of this ru:itice. If we do uot receive evidence of your tenancy within ten (10) days, our finn has been authorized to tile a forcible detainer suit against you fur possession of the property, If suit is brought against you, you may be liable for. the attorney's fees and costs of court Incurred, Your (allure to tonfiJ'Ill your status u a Tenant within ten (10) days will nat act as a waiver of your rights under the Act,

EV_NotkeTo'kcaleM.anuai..IPl (1012512013) I Ver. 36 00000003709672 Pa~9iot2 Section IV.

Il\1POR1'AJ.'IlT NOTICE TO SERVICEMEl\'IDERS AND THEIR DEPENDENTS: PROTECTIONS !INDF...R THE SERVICEMEMBER$ CIVIL RELIEF ACT Servicemembers on "active duty'' or "active servke," or a dependent of such a servicemember, may be entitled to certain legal rights and protections, including protection from eviction, pursuant to the Servicemembcrs Civil Relief Act (50 U.S.C. App. §§ 501-596), as amended, (the "SCRA") and, possibly, certain related state statutes. Eligible service canlnclnde: Active duty (as defined in Section !Ol(d)(l) of Title LO, United States Code) with the Anny, Navy, Air Force, Marine Corps, Coast Guard and active service National Guard (Texas or any other state); Active service members of the commissioned corps of !he National Oceanic and Atmospheric Administration; Active service members of the commissioned corps of'the Public Health Service; United States citizens servicing with the armed forces of a notion with which the United States is allied in the prosecation of a war or militafY action; and • The,ir spouses.

Servicemembers and dependents with questions about the SCRA should contact their unit's Judge Advocate, ar their installation's Legal Assistance Officer. A military legal assistance office locator for all branches of the Anned Forces is available at http://lega!assistance lnw.af.miUcontcntllocator.php. ''Military OneSource" is the U.S. Department of Defense's infonnatioo resource. If you are listed as entitled to legal protections under the SCRA, please go to www.militoryonesource.com/scra or call 1-S00-342-9647 (toll free from the United States) to find out more information. Dialing instructions for areas outside the United Slate$ are provided on the website.

Please contact us immediately if one of the categories above applies to you. In addition, please provide us a copy of the military orders establishing that you are on active duty, your discharge papers or proof that you are a dependent of such a servicementber.

The seriousness of the actions sugge5ted in this letter warrant your immediate attention, If you have any questions, please contact the Evictions Department at (972) 386-5040.

PLEASE BE ADVISED THAT THIS LAW FIRJ."l IS A DEBT COLLECTOR Al'llD A.t'llY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE.

Sincerely,

BARRETT DAFFIN FRAPPIER TURNER & ENGEL, LLP Certified Mail RRR: 7160 9663 9671 tJ1A-?.- 0 0 VB Copy via regular mail Loau#: 1380217 BDFTE#: 00000003709672

E V_NotlccToVacateManual.lpt (I 0/25/2013) I Vet, 36 00000003709612 Pa~~af2 USPS.com®- USPS Tracking™ Page 1 of 1

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August 14, 2014, 3:29am Departed USPS Fadnty DALLAS, TX 75260 August 13,2014, 11:37pm Arrived at USPS Facility DALLAS, TX 75260 August 13,2014.9:17 pm Arrived at USPS Facility COPPELL, TX 75099

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Page 94

https://tools.usps.com/go!TrackConfinnAction!input.action?tRef-=qt&tLc=1&tLabels=716... 1017/2014 PLETZE BROWN, JR. 00000003709672 EVCT 1655 N SAINT- AUGUSTINE DR DALLAS, TX 75217

' NOTICE TO TENANTS REGARDING THE "PROTECTING TENANTS AT FORECLOSURE ACT OF 2009"

ARE YOU A TENANT OF THE ABOVE REFERENCED PROPERTY? IF SO IMPORTANT INFORMATION IS CONTAINED WITIDN THE ATTACHED NOTICE.

PLEASE READ CAREFULLY ISTC

BARRETT DAFFIN FRAPPIER TURNER & ENGEL, LLP IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

EV_TtnantsAct2009_Bannc:r_Manual.rpt- (01/1912010} I Ver. 05

Page 95 BARRETT DAFFIN FRAPPIER TURNER & ENGEL, LLP I SOOO SURVEYOR BOULEVARD A l'AJmii!RSHIP INCLUOII>:G SUITE 100, DEPARTMeNT 400 PROfllSSIOl'IAL.CORPOitATIONS ADDISON, T!lXAS 75001 TELEPHONE: (972) 386-5040 XfiORNllYS A.'II> COUNBHLOR!! JJ LAW TEI.ECOPIER.: (972) 341.0734

August 13, 2014 00000003709672 IF YOU AREA TENAl.'IT OF TillS PROPERTY YOU 1\:lAYRAVE CERTA1NRIGHTS AS SET OUT IN SECTION U OR SECTION Ill BELOW.

PLETZE BROWN, JR. 1655 N SAJ.i'ff AUGUSTINE DR DALLAS, TX 7521; RE; Premises located at 2412 POINCJA.t'l'A LANF... DALLAS. TX 75212 (hereinafter referred to il\ this letter as "the property'' or the "premises").

Please be advised this finn represents CITIMORTGAGE, INC. who purchased the property at a foreclosure sale held on Thesdar. Odober 6.1009. or is the successor in interest to the: party who purchased the property.

PROTECTli'IG TENANTS AT FORECLOSUBE ACI' OF 2009 If you are a Tenant of the property, yon may have: certain rights under the Protecting Tenants at Foreclosure Act of 2009. Please contact us immediately to let us know if you are a Tenant and please provide us with proof of your tenancy, such as a copy of your Lease or copies of rent receipts.

Section I.

NOTICE TO VACATE TO OCCQPA+"'!TfSl WHO ARE NOT TENANTS Unless you arc a Tenant as described in Section II or Section III below, this lettef constitutes fonnal and final demand that you VACATE THE PREMISES located at 2412 PO£NCIANA LA+'ffi. DALlAS. TX _75212. If you fall to vacate the premises three (3) days after delivery of this notice, our finn has been authorized to file a forcible detainer suit ago.inst you fur possession of the property.

Section II.

NOTICE TO VACATE TO TEL~ANT<Sl WITHOUT A LEASE If you are a Tenant without a Lease or with a Lease te1•nliuable at wiD under applicable Texas law, please be advised that pursuant to the Protecting Tenants at Foreclosure Act of 2009, yotl must vacate the premises within ninety (90) days from the date you receive this notice. If you fuil to comply with this demand, our fum has been anthorized to file a forcible detainer suit agui11st you for possession of the property. If suit is brought against you, you may be Hable for the attorney's fees and court costs incurred.

Section ill. NOTICE TO VACATE TO TENANTCSl WITH A LEASE If you are a Tenant and you are occupying the prentise3 under a Lensc that you entered into before the foreclosure, please be advised that pursuant to the Protecting Tenants ttt Foreclosure Act of 2009 (''the Act"), you are entitled to occupy the premises for ninety (90) days after you receive this letter or tmtit the end of the remaining term of the Lease, whichever is longer. If you ere a Tenant who has a Section 8 Voucher, you have additional rights to continue to occupy the property. In order to confinn your status as Tenant, you must provide this 1mn with a copy of your Lease Agreement or other evidence of your tenancy including evidence of your Section 8 Voucher (if that applies) within ten (10) days ftom the date of this notice. I£' wo do not receive evidence of your tenancy within ten (10) days, our finn has been authorized to file a forcible deta:iuer suit against you for possession of the property. If suit is brought against you, you may be liable for the attorney's fees and costs of court inetured.

Yunr failure to confirm your status as a Tenrmt within ten (10) days will not act R5 a waiver of your rights under tbe Act.

EV_NotkeToVacateManWli.I]lt (10/2512013}/ Ver. 36 00000003709672 Pagti~fio£2 Section IV.

Thfi'ORTANT NOTIC:E TO SERVICEl\JEJ\'ffiERS AND JHEffi DEPENDENTS: PROTECTIONS UNDER THE SERVICEJ."IEMBERS CIVIL RELIEF ACT Servicemembers on "active duty" or "active service," or a dependent of such a servicemember, may be emitled to certain legal rights and protections, iru::ludlng _protection from eviction, pursuant to the Servicemembers Civil Relief Act (50 U.S.C. App. §§ 501·596), as amended, (the "SCRA.") and, possibly, certain related state statutes. Eligible service can include: Active duty (as defined in Section IOl(d)(l) of Title LO, United States Code) with the Army, Navy, Air Force, Marine Corps, Coast Guard and active service National Guard (Texas or any other state); Active service members of the commissioned corps of the National Oceanic and Atmospheric Administration; Active service members of the comntissioned corps of the Public Health Service; United States citizens servicing with the anned forces of a nation with which the. United States is allied in the prosecution of a war or military action; and Their spouses. , Servicemerubecs and dependents with questions about tl1o SCRA should contact their unit's Judge Advocate, or their installation's Legal Assistance Officer. A military legal assistance office locator for all branches of ihe Armed Forces is available at http://legalassistance.law.af.mil/contentilocator .php. "Military OneSource" is the U.S. Department of Defense's information resource. If you are listed as entitled to legal protectionll \mder the SCRA, please go to www.rnilitaryonesource.com/scra or call t-800-342-9647 (toll free from the Uulted States) to find out more information. Dialing instructions for areas outside the United States are provided on the website.

Please contact us immediately if one of the categories above applies to you. In addition, please provide us a copy of d1e military orders establisbing that you are on active duty, your discharge papers or proof that you are a dependent of such a servicemember.

The seriousness of the actio11s suggested in this letter warrant your inunedUite attention. If you have any questions, please contacl the Evictions Department at (972) 386-5040.

PLEASE BE ADVISED THAT 'l'HIS LAW FIRiVI IS A DEBT COLLECTOR AND .At'lY INFORMATION OBTAINED FROM YOU WJLL DE USED FOR THAT PURPOSE.

Sincerely,

BAlUU:'IT DAFFJN FRAPPIER TURNER & ENGEL, LLP Certified Mail RRR; 7160 9668 9671 Q].J\·y ~0 qq Copy via regular mail Loan#: 1380217 BDFTE#: 00000003709672

EY_Notic.eToYilcateManua(.IJll (10125nOI3) !Vee. 36 00000003709672 PaQb.te?l of2 USPS.com® -USPS Tracking™ Page 1 of 1

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August 15, 2014, 6:25pm Delivered DALLAS, TX 75217

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Notice Left (No Authorized August 14, 2014, 2:22pm DALLAS, TX 752t 7 Recipient Available} August 14, 2014,7:39 am Outfor Delivery DALLAS, TX 75217 August 14, 2014, 7:29am Sorting Complete DALLAS, TX 75217 August 14, 2014, 7:05am Arrived at Unit DALLAS, TX 75217 August 14, 2014, 3:29am Departed USPS Facility DALLAS, TX 75260 August 13, 2014 , 11 :37 pm Arrived at USPS Facility DALLAS, TX 75260 August 13, 2014,9:17 pm Arrived at USPS Facility COPPELL, TX 75099 i ____ j ------·- ·- ·-- ········-----·-···---

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