CASE NUMBER. Division. AH 

Filing 65305332 E-Filed 12/12/2017 04:51:38 PM

IN THE CIRCUIT COURT OF THE IFTEEN TH
JUDICIAL CIRCUIT IN AND FOR PALM BEACH COUNTY, FLORIDA
CIVIL ACTION

US. BANK NA, SUCCESSOR TRUSTEE T0 BANK OF GENERAL JURISDICTION:
AMERICA, NA, SUCCESSOR IN INTEREST TO

LASALLE BANK NA, AS TRUSTEE, ON BEHALF OF DIVISION:

THE HOLDERS OF THE WAMU MORTGAGE PASS-

THROUGH CERTIFICATES, SERIES CASE 0:

Plaintiff,
vs.

THE UNKNOWN TRUSTEE OF THE SECOND SISKIND FAMILY THE UNKNOWN
BENEFICIARIES OF THE SECOND SISKIND FAMILY FLAGSTAR BANK, JEFFREY M.
SISKIND JEFFREY LAW FIRM 0F BROWN ASSOCIATES, SARA 
SOUTHFIELDS OF PALM BEACH POLO AND COUNTRY CLUB HOMEOWNERS ASSOCIATION 
TANYA L. SISKIND TANYA TRISUN FINANCIAL GROUP II, LLC SUCCESSOR BY
MERGER T0 TRISUN FINANCIAL GROUP, ANY AND ALL UNKNOWN PARTIES CLAIMING BY,
THROUGH, UNDER, AND AGAINST THE HEREIN NAMED INDIVIDUAL WHO ARE NOT
KNOWN TO BE DEAD OR ALIVE, WHETHER SAID UNKNOWN PARTIES MAY CLAIM AN INTEREST AS
SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMANT UNKNOWN PARTY UNKNOWN
PARTY UNKNOWN PARTY AND UNKNOWN PARTY #4 THE NAMES BEING FICTITIOUS TO
ACCOUNT FOR PARTIES IN POSSESSION

Defendant(s).

XERIFIED MORTGAGE FORECLOSURE COMPLAINT

Plaintiff, US. Bank NA, successor trustee to Bank of America, NA, successor in interest to LaSalle Bank NA, as
trustee, on behalf of the holders of the WaMu Mortgage Pass-Through. Certi?cates, Series 2007-OA5, sues Defendants,
The Unknown Trustee of the Second Siskind Family Trust; The Unknown Bene?ciaries of the Second Siskind Family
Trust; lagstar Bank, Jeffrey M. Siskind a/k/a Jeffrey Siskind; Law Firm of Brown Associates, Sara Dozier;
Southfields of Palm Beach Polo and Country Club Homeowners Association Inc.; Tanya L. Siskind a/kr?a Tanya Siskind;
Trisun Financial Group II, LLC successor by merger to Trisun Financial Group, Any and All Unknown Parties
Claiming By, Through, Under, and Against the Herein Named Individual Defendant(s) Who Are Not Known to be Dead
or Alive, Whether Said Unknown Parties May Claim an Interest as Spouses, Heirs, Devisees, Grantees, or Other
Claimants; Unknown Party Unknown Party Unknown Party and Unknown Party the names being ?ctitious

to account for parties in possession, (hereinafter referred to as and alleges:

FORECLOSURE OF MORTGAGE

1. This is an action to foreclose a mortgage on real property located in Palm Beach County, Florida.
2. The Court has jurisdiction over the subject matter herein.
3. On or about April 13, 2007, Jeffrey M. Siskind executed and delivered a promissory note (the "Note"),

and Jeffrey M. Siskind and Tanya L. Siskind a/k/a Tanya Siskind executed a mortgage securing the payment of the Note
(the ?Mortgage?). A copy of the Note and Original Note Certi?cation are attached hereto as Exhibit 

17-014061 FL001.N002

FILED: PALM BEACH COUNTY, FL, SHARON R. BOCK, CLERK, 12/12/2017 04:51:38 PM

4. The Mortgage was recorded on June 1, 2007 in Of?cial Records Book 21793 at Page 755 of the Public
Records of Palm Beach County, Florida and encumbered the property described in the Mortgage (the ?Property?). A copy
of the Mortgage is attached hereto as Exhibit 

5. The Mortgage was subsequently assigned to US Bank National Association, as Trustee, successor in
interest to Bank of America, National Association as Trustee successor by merger to LaSalle Bank National Association,
as Trustee for WaMu Mortgage Pass-Through Certi?cates, Series 2007 Trust by virtue of an assignment of mortgage
(the ?Assignment of Mortgage?) recorded on May 29, 2013, in the Of?cial Records Book 26051 at Page 5, of the Public
Records of Palm Beach County, Florida. A copy of the Assignment(s) of Mortgage are attached hereto as Exhibit 

6. The loan was subsequently modi?ed pursuant to the Loan Modi?cation Agreement, which is attached
hereto as Exhibit 

7. The Plaintiff, directly or through an agent, has possession of the Note, which is either made payable to
the Plaintiff or has been duly endorsed. Therefore, the Plaintiff has the right to enforce the Note.

8. Setect Portfolio Servicing, Inc. is the servicer of the loan described in the Note and Mortgage and, as
such, has the authority to initiate the instant foreclosure on the Plaintiff?s behalf pursuant to a Power of Attorney.

9. Defendant(s), The Unknown Trustee of the Second Siskind Family Trust, has defaulted under the Note
and Mortgage by failing to pay the October 1, 2016 payment, and all subsequent payments due thereatter.

10. All conditions precedent to ?ling of this action have been performed or have occurred.
11. The Plaintiff declares the full amount payable under the Note and Mortgage to be due.
12. There is now due, owing and unpaid to the Plaintiff $2,892,264.77, that is due on principal on the Note

and Mortgage, together with interest from September 1, 2016, late charges, all costs of collection (including title search
expenses for ascertaining necessary parties to this action), and reasonable attorney?s fees.

13. The Plaintiff is entitled to insurance premiums, taxes, assessments, and any other advances made on
behalf of Defendant(s) as set forth in the Note and Mortgage.

14. The Plaintiff is obligated to pay its attorneys at reasonable fee for their services.

15. Defendant, the Unknown Trustee of the Second Siskind Family Trust is joined because it may claim
some interest in. or lien upon the Property by virtue of a Warranty Deed recorded in Of?cial Records Book 25138, Page
1202; that certain trust agreement. Said interest is subject, subordinate, and inferior to the lien of the Plaintiffs Mortgage.
Any right, title, or interest in and to the Property is junior, subordinate, and inferior to the lieu of the Mortgage.

16. Defendant, Jeffrey M. Siskind a/k/a Jeffrey Siskind is joined because it may claim some interest in or
lien upon the Property by virtue of being the note maker of the Mortgage being foreclosed herein, and as such, said
Defendant is liable for the payments pursuant to the terms and provisions of the Mortgage Note and is/are liable for the
amount due under the Mortgage Note; execution of that certain Mortgage recorded in Of?cial Records Book 2l793, Page
755; homestead rights, possession, or any right of redemption. Said interest is subject, subordinate, and inferior to the lien
of the Plaintiff?s Mortgage. Any right, title, or interest in and to the Property is junior, subordinate, and inferior to the lien
of the Mortgage.

17. Defendant, Tanya L. Siskind a/k/a Tanya Siskind is joined because it may claim some interest in or lien
upon the Property by virtue of execution of that certain Mortgage recorded in Of?cial Records Book 21793, Page 755;

homestead rights, possession, or any right of redemption. Said interest is subject, subordinate, and inferior to the lieu of

17-014061 FLOOLNGOZ

the Plaintiff?s Mortgage. Any right, title, or interest in and to the Property is junior, subordinate, and inferior to the lien of
the Mortgage.

18. Defendant, Flagstar Bank, FSB is joined because it may claim some interest in or lien upon the
Property by virtue of a Mortgage recorded in Of?cial Records Book 19974, Page 1055; a Partial Summary Judgment
recorded in Of?cial Records Book 24960, Page 808. Said interest is subject, subordinate, and inferior to the lien of the
Plaintiff?s Mortgage. Any right, titie, or interest in and to the Property is junior, subordinate, and inferior to the lien of the
Mortgage.

19. Defendant, Trisun Financial Group II, LLC successor by merger to Trisun Financial Group, LLC is
joined because it may claim some interest in or lien upon the Property by virtue of a Mortgage and Security Agreement
recorded in Of?cial Records Book 21110, Page 1748; a Partial Summary Judgment recorded in Of?cial Records Book
24960, Page 808. Said interest is subject, subordinate, and inferior to the lien of the Plaintiff?s Mortgage. Any right, title,
or interest in and to the Property is junior, subordinate, and inferior to the lien of the Mortgage.

20. Defendant, Sara Dozier is joined because it may claim some interest in or lien upon the Property by
virtue of an Order on Motion for Entry of Final Default Judgment recorded in Of?cial Records Book 24269, Page 997.
Said interest is subject, subordinate, and inferior to the lien of the Plaintiff?s Mortgage. Any right, title, or interest in and to
the Property is junior, subordinate, and inferior to the lieu of the Mortgage.

21. Defendant, Law Firm of Brown Associates, PA. is joined because it may claim some interest in or
lien upon the Property by virtue of a Final Judgment Awarding Plaintiff Attorney?s Fees recorded in Of?cial Records
Book 24294, Page 713. Said interest is subject, subordinate, and inferior to the lien of the Plaintiff?s Mortgage. Any right,
title, or interest in and to the Property is junior, subordinate, and inferior to the lien of the Mortgage.

22. Defendant, the Unknown Bene?ciaries of the Second Siskind Family Trust is joined because it may
claim some interest in or lien upon the Property by virtue of that certain trust agreement. Said interest is subject,
subordinate, and inferior to the lien of the Plaintiff's Mortgage. Any right, title, or interest in and to the Property is junior,
subordinate, and inferior to the lien of the Mortgage.

23. Defendant, South?elds of Palm Beach Polo and Country Club Homeowners Association Inc. is joined
because it may claim some interest in or lien upon the Property by virtue of any lien ?led pursuant to the Declaration of
Covenants and Restrictions and any amendments thereto. Said interest is subject, subordinate, and inferior to the lien of
the Plaintiffs Mortgage. Any right, title, or interest in and to the Property is junior, subordinate, and inferior to the lien of
the Mortgage.

24. Defendant, Unknown Party Unknown Party Unknown Party and Unknown Party the
names being ?ctitious to account for parties in possession who may claim some interest in the Property that is the subject
of this foreclosure action by virtue of an unrecorded lease or purchase option, by virtue of possession, homestead rights
not readily apparent from a review of the public records or may otherwise claim an interest in the Property. The names of
these Defendants are currently unknown to the Plaintiff. Said interest is subject, subordinate, and inferior to the lien of

Plaintiff? 5 Mortgage.
WHEREFORE, the Plaintiff requests judgment foreclosing the Mortgage and such other relief as the Court may

deem just and proper, including reasonable attorney?s fees and costs pursuant to the terms of the Note and Mortgage, and

that the Court reserve jurisdiction to enter a de?ciency judgment for any portion of a de?ciency, should one exist, in

17-01406], FL001.N002

accordance with Chapter 702 of the Florida Statutes, but not against any defendant discharged from personal liability

pursuant to the provisions of the United States Bankruptcy Code 11 section 101, et. seq.

Based on the foregoing, US. Bank NA, successor trustee to Bank of America, NA, successor in interest to LaSalle Bank
NA, as trustee, on behalf of the holders of the WaMu Mortgage Pass-Through Certi?cates, Series 2007-OA5 has the right
to foreclose.
CIV. P. 1.115(e) 
Under penalties of perjury, I declare that I have read the foregoing and the facts alleged therein are true and
correct to the best of my knowledge and belief.

US. Bank NA, successor trustee to Bank of America,
successor in interest to LaSalle Bank NA, as
trustee, on behalfof the holders of the WaMu Mortgage
Pass-Through Certi?cates, Series 2007-OA5, by Select

  

Name: .

.
Title: fficer
Seiect Portfolio Servicing, Inc.

Date: CE 1

 

Plaintiff, by and through the undersigned attorney, prays this honorable Court grant the above requested relief

and such other relief deemed appropriate and just.

.Albertelli Law
PO. Box 23028

    

 

Chad T. Sliger, Esq.
Florida Bar #122104

17-014061 FL001.N002

EXHIBITA

 

The) tmdarsignadher?by sarti??ea:

?thatjfha Plaintiff cf ?112 stigma} theta tapas: whichms
is 'hrsugha

?The hftha stigma] mammary hats azathasaut Law, 54(34- Cypress
Cantata, Sta 3%,TampaFL 33%9; Gamma! has basmatainsd'm regresant'Ur-StBank NA,
to'Baak at Aitta?sa NAQ sascessor in. Mariam taLaSa-He Bank NA, as W,
{at hehatfhf the: haldeta Martgags Passnmough EWWGM in
isgatpsaassdiags a: eafarcs a. ?sts assured by a graham Inga-tea 3465 Santa Barbara
Esta, wastagmasa 33414,:

33-, the ?13111? givurg the ser??caahnis: Aim Santa?s, assumes-ti:

4.. 'ihs'aataa gs?oaaliy asri?ed sash is: Aims; Samba,

5 Thai timsjand waisseri?ed were: 12:55 PM 8ftdl??3i7g

t5 (Dearest shpisa sft?hs stats-(a216, if applicabls; all transfers,
?anges; hr assignments? hf the hats) are attached to this 

it give this staisinant-basedoa my knewtedgtt.

tinder patting, i tiaalase that hat-ts read the: foraghing Catti?aatiha af 

Passes-start at? (MW Nata-aha that the faats statad in it mama. 

  

 

 

 

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If?. i?me-E? RATE AND 

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?Gnange new?;

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{ametcaie?nn of changes

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?3 ?egn 31 {?Miargin'? tn; {he Current meat; The Rate Heater we Marianne thereseit ef?tfiinndnitiee
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safe Grimnefen . 

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ewe as of the Payment change new ?n fee-er: theMazuriziy new name inieteei fete-Ate effecii 45 days
print? an ten?aymnei Mange me in anneawia?yeenai geymentek The mean nf we ensema?en is ten

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em?eum uni?- the next 93mm .?nenge Date my paymenw:_era changed nan-fer 
ene- mans New; 7 

if) 53mm? ?gment 

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Payment Change Date, wif? be ith in 112% mete a; inane than meemur? i have {men-paying??in
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may require newer mesmerny menumenh 

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a: 5 yr .7 

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aqua: paymantat. Far. east: meat: that" the 310an Wma?! is iass that: titeinterest written; the time
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{it} Limitrm My Martini; mam Mammy Payment?

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?3 3:22: Emma: garment tnmease itmitatim The ?aw martini? paym?nt wt: 13% an
amazing which-maid "ba- stri?staatto may-my titan unpaid Panama: tr: mi: the maturity (Eat: at my
imam: rata- it: wast-the mam prions: irate paymm madam in whammy squat payments:

if} Raga-tier: Emit mama? airman:

{in the - 3 .anttiversaiy attire due data at tha rim: mentitijy paymni, and stir: thatfs'ama ?at:
avert: year manager; that martiaiy gaymant wit: he ward to .tha pameat
?ap" :i'mitattmin 

tit Mama at climax

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payment ?atbretha e?aariva damn: any change. The mime wit: irictuse Enigma-tier: murmw 13w ?in
tuggiven me; and aim: trig titia and tatagimna number at a mama whin- Mi: gamma}; questiba may
have wanting- tha Mice;

(it: Failure ta Mah?djustmaW?

if tut" my mama Nam Hakim fats: in make an stifuatmeut it: lira. imam: rate er naymwm amatirtt a:
grammar: in; this Nate; regardiesa tif- any name requirement: tame: that? ?Na-ti: H?idet' may. apart
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mattae titres? adjustzm_ am: to (Siam Haitian at its nptiari, "any 3x593: marries i may haw

.gaiqtugarttai meymam-cf 
anma?wwa'a 

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.writ:ng ma: tam wing 59:; i my. my: (tasignate :a;paymertt as Ia '?r?epa?ymm'if i have-mt maria at: the-
marttitiy'p?aymeats duet Estate;

1 may maize a or-grtitiai ?prapaymma withers: gating any marge: Th3

Nate Haida: wilt. appty at: tn mam the amwnt "at prtnaiiml that itiwetmdar this
Nuts: ?rmwari the time Halti?i? may mm;- the muted: anti ungaict 
Panama: mis?t, imitate apptying my madam-the primipat amou?eftim Mata. i
mega-a parttat prepaymenttitarg-thl be mishangajs- tiring {tun dates. payments 
the Nate Haida: agrees; in writing :9 tit-rm; mama, titty matter: mpajymest: may havegttia grim-fat"
reductgg the mm: at mymar?hty?v paymentg. but @333 after the amt Payment mange-53w {aiming
my martial: Hartman any mductim'dwe in my gnartEai?Prwpayma?t may be afistit' by an


"3:28: git-mi tinge 3 ?116 tirrm'c mama?; m:

fees};

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it the which arteries: tr: trite than and writes: salts maximum than (merges is hrsetiy interpreted he
that; the intereet hr ether inert cherries. maltreated err is: he mireete? sh eahrsertiiers with this: their exceeai the
{remitted their-s titers; {ht err; euhh tears: charge that: he redrrheh has the rte-meaty its matters the
hi the pennittert Emit; with {is} eat: same eirhadtr reiterated thirst me which esteemed permhihr!
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writ er: irehteg he a gather Preghymehi
Fm; i that: the were Herder writ ates: charge a. serum here. in the
event a geymehr that) 2 metre ht henhhetihn with testament rat ?rth than is asst. tweeters he the treasure:
irretthati art art which it is The current the is 3 ?re . gg Lender reservee the right. its the
the hem tithe its hme whither. whites: exeepi he may be requisite by iew
i? TE, PAT A3 EEGBIREB
Late Energise fer marries ngmeate
it the were Herder hhe has remitted. the trail. smears! at any merrthi tr hawerit "tag the egg at"
t- eet?enrter siege after the date it is we per; this letterhe- re the write tighter The
Semester of the; charge war he his or my warring payment at Pritrrsighi error interest twiir peg
the hate charge grammar hut artsy arse-e ri?i heart the payment
{at Earhart
if 1- rise rtet hey the. trait hrs-south. at each warmth payment the; here it is due wit the it: hermit;
(it; Karissa hf hermit
it err; in gathers the were tighter grey send me as written smiths. reiti ii-stg mh that it i chi not per the
wrestler: tats hett'hirr state the were Herder they require are is: he?; immertihtetg the hit-i Ihmersnt
ht: Prirtrsihet whieh tree hart: been. thirst and hit the interest. that i ewe rah their extremist That rate mast he at
resist it: stage: after the were he were the neither is gathered hr rites-ted its me (its, tithe it were hihtihrrhi
hr the Federhi Home Leer: Mertgage Eergereheh hey-s at] hr hers; er tights
- wider the thetrhmehr .th which ease the notice wit! sparsity here rte: tees their hit siege hem the
date the rmtirse sh given the Semester}.
the Whitest. By were tighter
Evert it at a time when i hrs: its: (tweets the were Herder states we: require me to gay ht
fish as ehexre the Math tighter est: shit have the ?ght ha do his if we in defeat: at a- teteriitrte
Payment hf stew Hunter?s Ertete grid 
tithe were rte: trier tree required the he gay imm?ehietety tr: hilt he heegtihet! where the highs Rather.
writ trees: the right ta he heist harsh try the thr- hit er he. waste ere! estgerterse trt: this; More whether
or. set. a ieweuit its. tie the extent that hrehthitert hy- Wi?ahi? Lew There expert the thctude fer
reasonhhie arterrteys? thee:
8 (stirrer; GE 
Law: requires a diherwtt merited arty hpiiee that street he givers is the ureter- this
were we be given has rteiteesieg: it or has the hing it he ?rst whee their tr; hi: the: Ethgetry 
at at- a whither: it? i girth the Note tighter heiress at my addrees 
Arty riahee that mass be. given is: the New Harrier (series ittih here writ he giitim by getitagh by first
were their :e the Here. tighter er the aggrees stated in Search first}. abrasive art at hi?ererri erirtreehh has
giver: "h stirring: e? that different address .
9. at: PEREQNE HMEER Titih hiaTE
it mitt-e their terse gereert highs this highs each gathers th rusty are! Ipersuearig hhiigeted its heart: air at
the. titers-rises made in this truth recruiting the premise its pay the hair hmeuet hweri Arty :9th with is 
guarantee height, hr streamer rat this Here is. high uhtigeieri re rig these things this persists wise terres-
these heightens; the hhtighstarts? at a grammar entirety. hr enrierher of is Here. is: were
mitigate! its Iireeg hit tor the hshrie? is: this were The were Rather they regime he the stricter titre.
were" esters getears indivirtrreiiy as against hit er ire :iageiiser. This theatre that arty with rat es may he
rhgui'reri to his rat the emeghts ewes: tmd?r this irate 

t?

termite tweeters re}

 

 

32231 titers regress-r

 


i


 1x

13* m; - e. 
we stale deeumer?ew {ex due en this {Me has been paid en the merigage meme mes
indebte?iieess

THE HANG SEAL (3)203? 

 

 

 

 

 

F?ay. ta; the cedar ef

We
?ag 5% 

 

 

322$: ?1 we means-3' mTee??LF meme we:

EXHIBIT 

 . . I

6P3 sass 2
Bim- ?r CIR BK. 
32m E-KTERPWSE '93 mm ?f?lim 34:43:39
3?9 295m 9&1 Emir
rise {mg mg 44s ?rum Mamas

ms ass 563%

7 - . Inserts 323?nish, 

 

- - m~W mimics smug This Lists Fast saws"; M?lsi

I MORTGAGE 



Warm ms is msitipis s? this an: ss?ssd heiss and other sis seiiss'ci
is, 3 11 ?39.13 23' ass 31, Wis miss {assassins this sii wsrais mass is this
sis I-aiss msim is. Ssstiss- .16.

"SIsciumy issass {his summon: whith- xs: saw gym; is 333?; i
isgsissr sis: as Rissrs ts this assistant
?EOimWei? is isiissv I sin his

Esme: is miss this 
{Ci "Lesser? is was issms. isms. ass ., FA

swims 
its under the 1m sf sis unmas- arises sr- 

 
   

*1 Sings .., Us? OMEFQHM lisrm 561E 
II
H's i in? kg $338333! I

mass sins?: 

Bssk21?793lPsti?55 Page 1 {if 25

miss isms; misses P?sisd swim minis
WALM 

 ?it gets: at cease heme resume set-ta re, the

3915 34 .

tender is the mengegee meet Immemg

?time? signed by $8.1m? 13-3. mgg';

The Lettde: am ?new? 5mg- mew
teed-seen- meet the net-me Delhi's:
(U: . 2 Kate eater: .ee' pins--ieeret.hemm to meditate: it meta:
Periedi'e Payments end he page the: debt-in Ital} net tater than my! a; 233:; . .
at? ?new? meme-thepeeperty that is deembed Wee tender the heedieg ?Tweeter eth?ghte.
in hemmed . .

?Leda" antena- the-debt evidemed by the Nate, plate interest; rent? pregeymeet ?charges end fate
ehargee due udder them-2e; he at} heme due under thie pine interest

?Riders? meene eh Riders, thi'e may {West the: ere executed hy' Bamhwer. The
fid?eteihg Riders ere-Eta he exet?ted? W'Barmtter EeheCk but 35 apetieetet;

   

. ?Adherehie?ete?i?der m??ehdemhdam Rider- 
.H Belinda. Eider I33 Ptetteed Ugh: Developmett Rider
I Rider". ?imbtg Pay-meet. Rider

{Seeded Hhmh'Ri?er
tfehemiiy'hide;
  est-tee} teeth

   
    

{ii} ?Applicable "Law" meme hit tentm?ing app?eehie fedeteh etete ted; teeth; :etetetes,
matinee uremia-mes. end edminietgatieemles end-arms" {etc have the. heme late} as: half. ale
=33? appl?eehie that, zhentappeatehte examinees

??Eiemmunity hewhiztiee Fees,_ aged. deseemeete" __meaee eh hues. "tee,
emmeatsenh ether ehet?gfee that are imposed an Bermaer er the Redeem he a medemz?eium
mietiem homemade-ta; emotiatimt emitter ergenieetieh,

tEleetzeeie Feeds meme any vet heads, ethee than wheat-thin
attainated by cease. theft at emee. We instrument; Whistle. ieia?tieted through. art eieetrmtie
termiml,jte1ephehieinetmmeet. er magaet?e tape. ed eh ta urdet; Ethernet, er euthm?ihe'
"e in?imtien er greet en ?tment. Sect; term is he: hmtted m.
- peiehefteeie Redeem hemmeted whee? machine teammates, tremfm initiated he teteehene wire
tandem 
?Wee Items" metre thheeitethe the: are {itemized it: Seedeh 

means any cemhme?an, hem-ti a? damage, (if
he my third party {ether than imm wee'eede paid new the 
ht Semen d} the: it} damage; te; ergdestmeti?oe the Peepet?te; madame-hex: er
ether taking ed titer-m part at the Fmeerty; in he; madam-mean; er {5e}
age), the wine-eddies madman et 

{he} "fhfm?t'gage hemmed? meme imth?he prothe?eg header egaieet the deememeet eh er
de?ate an, the Leah, I . .

?hermetic; Patti-neat? means the; teamed? hemmed emeeatgdue' the {it primeipei test

them: ?under. the Neth- ether-{ii} any emetmte teeter Mite-3 at. etmme?t.-

mama: '5

I Form-$913 ti?t

   

meme meet m, 2 at 

Page 2- effz'?g . 
em: Sarah Page 2 $25 Requested emeietmatt Aha!
Deaf Fmemeez?memee 

 ?Emma." means 11193953 Estate?det?ciemmt?medam Ac"? sit-399;}
and its. im-gtameming mgvietitm, Wa?m X, {24 (3413,34 Patti 33 they might. he 33:99:19.2:
item time 99:99 army 952211193939! 91? Wt ,iegiale'tiaa heire?guia?m that gem-es {hesitant-r:-
suE-T?mt matter. he wea- in this Security 121331?!me were {a all ma?rmemeend
W??m that are in regard to a ?fedemiiy re?tted mwtgage 399? mm. if the Loan
New as; a; ream-999991999? nutter 

{$999919 henna-t {if Barmwer" meme my 1333?? that have taken ti-?e-mehe Emmet-y!
wheeze? that party hm assumed Bamww?a ob?ga?aas: {999 the? 281929 meet this $993993


9193199. 029 mm mm?

This; ?wu?ty mm :9 meet: it) the 't?paymmt cf the Learn, and at}; 
amm?amm rawhi?cg?cm 913119 $11939: $11533} the Manama (if 9929mm we
9393693999 meet this Why the-Newt 13:3:is paw, 39mg: 999 Why
mh?gage; grant and wave? to Lem. the wheezing mam. {pram 3069194 in the
some? 61? Min 925m; 1:

{Tm {92:th 599496991 [?lm at 

3491 .3, 33139991 at? EDWIELQS GE PALM EEACH AND 

?34133. WELLINGWN 9.13539 warm ti) the F?Iet?thereaf 
.as'i?emnied in 919.3901: 3941333 white Mattie hf 993913921931 mumm?mi?ag

Few-3D Ember:- Weigh.- away but {brakes 5f.
3995 emu an; ?a {straw-
arm. 1 mime! 9539}. an fame: {25:2 We
{Tram 93999?): .

WITH a'l-l theimgmammta new .9: hereafter amazed mt theymper?ty, and at!
meets, an mi Lemma 99:: 9f AH 9999;291:999
and 3991999 319911 9199 be answered Imam All 91? {twfaregaiag $22 setan

in this Sammy as {the Warm}

   

mums3919 11-91

BuckZ17Q$iPageiZ57 Page-3' 9f .25-
9099199319993 'e?ege'au?? 
12m exams-We

ESSEOWERV COVENANTS that?amwt is twining the. aatata hereby-333296333233-
and has that might ,t?-mangege. gran-a. amt 033m the. Fmpeety 3:33 that: the ?ow is
Wigsmharad._axeapt far anhmtibtanees at maria: gamete: warranteahd- 
.233 We m7 the Pmpar?iy'agaihht ra?iaima anti dementia; 31333: to any bf retard. 

THIS mmbinaa uniform 333mm fer the 3232i
nemmsiam mveaenaa- with lim?iteti by Maiadietim it: constitute a uniiaim mmiiy
immantmmingmi enmity. 

WWRM CQYEIM. Bantam: ma Lender gamma anti-agtee an mama;

in 'Feyment at Pei-haipah- Smartest.- Ban-raw new; Frapaymeer Emmet. 31:23 Late
{She-meg}: Stairway ahaii peg wheat-I See" the ?ngiheipai pf; and iiniereat an, the Seat; anaemia- by the
Nate and any page ?armchaahergae .3965'139: charges-?ae-uhaiar the Ma?a: WWI-31333 a'iaa easi-
funds In: 333mm Emma pursuant tax-Seminal 3. 'Paymahta See under the Nate and this- Saw?y-
Ihaammaht hajzmada in UN. atlas-3:31:33: Runway, if aay?ahmkm- whet Itaatwmentrtaeeim It}:
Lauder 33 haymeht-un?er aha Nathan?s?- thia Sammy Imramaht is {anaemia '62: Water anemiag
We? mayretgaire that; may at 313 payments. date entities Seaway.

amen: he made Enema- ar mate-a1? aha faith-wing items; as ?lm by ham cash; . 
mazuay maize: thank, Wang?s ahaak' ?13- cheek; gravida?-ahy
mach a'heeh is strewn. mean. 353 men-mace WW dcp?a?a are insured by a {may 
ahtiiy; at Ehaimttia Funds Transmit, 

'Feamama-ere ?m?d meived by Kathie: when waived at the. 293mm; See-Qantas: in the
Note. at? emit ether lawman 83332313 he 'daaig?nete?d by lender" In amdanca with the-antiae
mamas Jinx?aatioia :15. Lender may .reaum any pageant 36 .mm payment if magma: 33;

martini .gsaymmhai aria:- it: bring the: ?Lean current War may Magi any paymmti arr
pariiai geymeni insuf?cieni whiting the Lat-n entrant, hithaht waive? a? .aay'rightaharaunder at
geeimiice t3 its rights it: rafaeennah paymaat-or mini payments in. the Image; bu: lender; is um
ehligatea ta eppiy shah awn-tama- "attire time? smash 933*me are! $363933; Rehab Perin?ie
?tment-i3 data data: than ma?a? mad hat pay iniatasten 'anappii'ad
magi-3; Lanaier may hai'ai ma unappiiad funds anti: We! taking the Lean
current? It Barman dries hat the 33' within 3 33339136133: peri?ti (if-time, halide; shah either egg};
sixth {236263-93 remm them in: Esra-mien If nat-epp?e? earthen 33th Mada bye-:3 tn the
humming pri-aeipai baianae imam?. the Nate. Immadiately prim? in N9 :3 {at :33 aiei'm-
whisk Hammer might. have haw orin?th'e futumageiner Lamar shah 33031-36663 item
makieggpeymeate due nad?r-tha Nata and thia Sean?iegiaeimmemm geriatrtiiggtha emanate
and 'egrcaamema gamma 1:36 this ?Samirity Mahatma; 

2 hyp?aatim 13f,- Paiytmetiia m'Prmedai 3333;): as 'athwiaa deaezihe? in. thia 366333 
3i}. peymam waegtedami applied-h? Leader shah he 3133315331 in the trimming mien-hf priming;
Ia} imam: due under the Nate; prinaipaz' due ender'tha Nate; Ia) Manama. aim-Vanda: :Saatim:
3, Such nagmanm 3113i} be: appiia?i ta: each Farinti?e Payment in the crate? in 'whiah it mama aha.
any mmainiag maxim: ahe? baepp?eti first in 'ie?ta- ehergee, secular! in 3:63. atheri attenuate? aha
un?aa this ?acuriiylaatmmaht; 3333 than he tetiuica the principai heieneeighf the hit-tie

If Laetitia. teaaizeaa- a 333mm: Item mmw?f he a de?atieeat harshest W?i?h
metaaea a meant 'te yea my late altargn ?ne, the gaymant may: he applied to the
da?hqaem payment am": the: inteaharge, It than: than we I?erieaic Paymeht 53 nmlaing, Lemar
may appiy any payment remitted- item Barman: {a the repayment at the Neiiedic Fayamaete if;

"and than web-peement can ?33 hi hi hat; The the extent that any excess-333663 after
theyiymantiaapp?ed?te t'heiah paymafht a are: a; marePaaia?ia Paymen ah 3333333333 he

    

mfg?? mm m. 4 :3 Farm Shit} i131-

7 Page: a of as
mat-e625 3W egz'mhm?m?tmemtwm


tpplitd'to any itte; thtr?get the. Veiumry prepayment; that; hetpp?iieti wette- tag Weyment
?enamels-anti thehesdmtihedjie the-Nate; 

$1152: .th preemies; at Wiimm?metit he 
matter- the Mote that: net extent! at poetpme the that date, er change at the herie?tt
Ft mete. . .

?ends: Let: Esemw {team hermeti- shell pay he Lather cm the day hertm?e Fty-meatt
matte heifer the-"New, anti! the Nate is gait} in full, 3. sum {the ?Fendf? ?w pmvide tht?ptytaem
at anthem tm- fer; tenet mt Imtgememd other-heme with the estate prie?tg ever this-
hetetiztyleetmmeta- at a- hither on the hmpertt; testeheid pew-tweet at mend
might the Emmy, if that it} gremitms hat my" 3124.311. insurance tequiteti heater wetter
heathen the hiertgege irate-tenet teatime-if any, at my tame-patting hermetic: tei
Letdet in hex; hf the ?tment of M?thgh intertnte premiums it tetorgiehte with the pttv?ti-ant
hf Men-'23. E?hmt ?items are . we A: trigiattiet- tr :et anytime-during the
term hf the 1mm rtewe that Community- Wi?etlha Bees, Amen-hm
it may; he marketer, and with ?eet, feet that Mamet-t Shah he an Etta-ht? Item
.Et?aflf??W-ttr that? Lea?et 33% wheat af emanate it he gait. under thit? Settiee.
that: pay Lea?et the Planet for Btetow Items tiniest Lennie; taint 
tar thyme. Etude far east 311' Etcmw Itemt. leader may waive Bmwet?tahhga?ta
tn petite Leather hee?tthr my; er at: Eastern: item at; my tithe-"Aw? whiter may unit he in
tri?egt ht the.eteat' attach that, Ree-ewe: theh'pet'tirtetihjwhee. that; where tattle, the
tmetm't't the? for any mm? heme-?fth. whieh etymeet a! mate! hat been waitedhiy gender thatt
ifieeter wettest the}! fumith he We: tempteewidenciag mh wtghie meet: "time.
perish} at Leader- they require .Bmth'wez?t ehiigatim ?13- make with pttmente and emtite
_retetp??e shalt far WW be deemed to be a armament-anti agreement cmtainet?f in 
"Security Itetmmenh 'eti anti agreement* it used mixes-then 9; If hammer is
tn pt}? Regret heme ehtechyt puttueat te- a waiter, ehd Bet-tum: faile- te they. the
?taunt: due hit; an Etemw Rhett :Ietter may exercise-its right whergzgeetim i? eat? my sixth
ttanunt tat that? then. he ehiigeted under when: that? to Leather ?thy teeth
tmt?tm. We: met mete the'waitet he hit any ht tit Enema heme. at the time hat..-ttetite
?fth in methane with Settihtt E5 amt Wham mtettihm pay to Lents: ti!

the had in. mi: attempt; we. then. rtqt?red; whet hht?theetite 

Leather may, at my cattett the heist heme in. the meme tittieiem ta. pet-mu
Latter 1a 53th the Feeds at the time sheet-thee under-MEL. em}. ?13} that exceed the
mthimtm imam; length; that mete Batiste Whh. Letitia:- that estimate 
em: ea the bathe tit" turreat'dete Sand ,reettm?tte ettimetee expeh??tmtt tf- future. Betmw Items
tt etherwite he Lee.

Khethtit .thtii. he belt in en. inthtutihn whose hat a. fedwtl amt,
m? whiff Width it attjitw?imitt wheat hematite ere. at
Emmet? er Heme, -, 13:: Bath. apt-t? the Putts ta pet 
Ittmt- at late: that the time-.tpecifitd that: Emma. Lea?et than at: ft:
the Benet. theimtow amt tr whiting the Becrew
Item: agitate Lender pests ?Ettmwet interest at! the Pattie tied hw?tehle Last permits Lea?et 
entities such; thatge; {tame ta. tgmement Eermt?t Ea whiting or hppiicthie-Ltw requires imm-
t-o- he Rhett-Rm. that}. 1391 he regg;?rtt1 the they Emmett my Ittminmwa
the Fenhe Benet-er the Lender can three it writing hawwetg that. 331?th S?hii he paid en the
1?th Leader text .3in he Between at: :1th ef the Pattie. et
ragweed By RESWL -

  
   
 

mthm?mt at em Sim! wet

[3605(21 YQBIPa-gaf'w 7 Page 5 .gf 25 . 
thatreh . mare a! 3?3 MW 633?; angehhmtet PM tweet? $152? that


rifitheze is a mine of Ewde hated in warm, as: datiaea-mdw {meat aha? aewwt;
to hammer fer the exeaw fend; in: anaer?aeae with; mffh: imitate is ?a-eha?iaga ef ?ltrate hate
ia-awwaa ?e?aad?uadaa RESPA, Leader we: matte Bartram; as gag
Emma: shalt pay "ta; Leader the eminentaeaewery a: make up the wattage-ta aeaar?aaee with
RESPA, but 321' no" mere that}. 12? mummy paymenta 'Itthaee Ea ef' Fez-aw. we in
mm; as defina? under mm, Lemar shat! notify Barrow:- aa :aqeire? by and
Bmawea shall pay ta Ignite: theameeat awawery to make-up the ?a?fefetwy in :aacaadenee'wtth
hut in he maze than mmeethfy-peymmte? 

Hana. gamma ie'fu? carat} :wmafewme? axe-eats Sammy instrument, Leeaw we arempay
refund a: Bantam-aw? madame by Lea?et 7 

4? Charges; "Mega, ?ermwer'ahafl gay eiftaxw, ehaegae, ?aw-end fmaaettime
mammalian-ta the F?roperty awash can eta-air: Maritza ever this Security Wmeat. tawe?otd
payments ea games: name an 'the-Pmperty; if my, Wham. ?31m, Paw-and
gents, it: may Tame eaten?: that ?thew itameere?wcea heme, Beware: shalt pay these in,
the mwawgamdea it: Sawmi- 

Wave: was. aieeh'a'age any than which. we gammy we; thtei?eae?ty lawmmem'
amass Barmaer: agateea ia'witiag at the payment at the eb?gatierz mama by that :i-ia'n- he a;
meme: weeptabie ta tweet, hmaafyaa tang; as Reamer is parfarmieg each agreement; (at
wettest: the ?ea-ta ghee faith-hm a: defmaa agaiwt-Mmam of the ?ea inf fegafl 
ahiah Ea- emte wereth the wfememwa atf aha'iian white thew proceedings
_.ara magma '9er we aeah am?aw are emaciated; as: aqu team- we was: ef'tha
{Sea a; mama astiafaetary- ta Lemar aubaadiwting-the titan. te- tea Sammy immeaa if
Laetitia: gar: at? the Pregame is aabyeette a :iiea await-ems attaia?paiiority ever
this: may Landee- may givehemwer a aetiaaidentityieg the am Within ea days.
at the date an ease}; the: eatiae tag-yea, Bmmaer aim}! satisfy aha lien at take area czar-mama?
the aetiaw wt fueth edema talkie Station at 7 

Laedaa may reagiae Bummem- pay a onetime charge. rate tea: wane tax verifwaam
ewe; eepertiagaewiee wad by Lender in amt-Imam age-we Lame 

5m; Freeway}! iaeemuae. Bomeweteha? keep the tmgaavemenw :aew existing eta-hem:

 

erected tea-the Paupewy insured against him by fire, hewada intimated aithia?aae team; "extended
eevaregaf Semi-nay whee hazar?a'?wleding, but not itmi?ted- ta; w?h?uww- aha-1.1m; farwhiah
feeder teatime . This 'inamanae we be maintained tn the emanate {manages
'dadaetiale lea-eta} and-fer we pariaw that Leader mew.- Whae Leedee reenaee- eereeaet as the
even-waves the tama- at: theme! 'f'ha Waaw-eara?aa peat-acting the;
imam ahei?'iha. chases: hy Bermwea wbieet- ta m'diaememya Bamwwa. ehaicei.
'avhiah' eight aha? am he aamiae?: Weehly. ham may require Barman? ta gay; in
with ?aw-1mm either: a awaima chargelfee?eaa ease determiaetiaa, certificates:
and tracking set-view; er" a ane?time .aharge- fer fiend emf rewa?eatim
ee?daee we auheeqwetieharg?w wait time- winemahge magma? sewage wear which Mammy.
might affect seal; determina?ahei? hereifiae?aw hematite: ease am he reeponaihte: for "the
payment- of any few impwed- by ehe'ffadatef Emergency WWem3genayfe With
the twice ef any fitted acme as: ehjwt?'aa by ?ermaen

If Bearawaa fajita-ta maintain any at the eavengea. deactiaw weave,- Leader may captain
mew-m: eaveragaa at meagre ogtiea and Beware tweet is. water ea 'ehtiygaz?aa re

wattage- any-.partiaaler tywe at. mm: a? eweaega Therafeae. seek coveaege aha}! weer 1mm

eat might he might: get prewet warmer.? Beneaweewity in mama er the-eeateateief

initiate:

mmae am a e4 2: Farm '3319 1-13-1-

 

Beakiztjm?ipagemt} Page 15 {#25
?Wafer Wad! . Page?af-E? Rmmea?y: Wm! ?ashed: airway? ?weal
Dec: amaetawwamaw

the i?rspe?yt against? anx?nk', heathen and might provide meats-r er- Teaser eavsrege
than was ?st-tastes that thegesnt ef'the insurance sewerage an
steamed thigh: signifieen?a enchant the seat of insurance that Hermes: attain have attained; Any
attenuate aiabursed he henna: nectar this Sachem 5 Shel: beenms'aetei?nnai debt. at Bernese:
senate-at by this amounts shattbser inteteat at. the; hesitate team the
date? at disbursement sad. shat! he newbie, with such interest-139m amiss. item-lender an
.mnhteer requesting easements . . . . .

Ail required by Lender amt renewaia sf such satis?es shat? be subject to
Laurie's; right eta-disemmw nae pumice, shalt instant: a standard ?m??hahe simian and shalt
name W?hf as mortgagee easier-Pea as additional: toss. sages: Lanes? aha}! hast- theri-ght as heid
the gnliaise anti renewal estimates. If Lease enquires, Bureaus: shall gammy}? give masses:
all eeusints: sepsis garamiumaan? senses! muses. if Eminent: nhteins any few: at insurance
sewerage: an: otherwise :eaquiraa? by hanging fur damage ts, er heatmatiea sf, the ?ngmay, emit.
paths? shah instants a ataadae? mangage ?312an and shat}: name; Lea?et as mangagee anther- seen
attainment-19$ pages.

In seamen: sf Seas, Bureaus: aha}: gist: exempt. mortise tea-the immense nastier Zane; Lender
Lenses may make preef it!" than if as: made mmptig by Bananas. Uses ?ends:- ,an?'?mehaer
n?maisa agree: in writing. any" inhumane: weeds; whethea or. maths mandating immense 
wits?'hy'hsader, shalt be aphiihei the animation air Minnie of the "??mgeatyt if an teammates. er
repair is mnumisaily hesitate-Tend Lender's security is mt amen filming stash repair and
have the right m-?ho?id sueh inhumane pram mt}! Largest has
has assessment: winches: such the eerie hasshseneemnieted' ts Lender?s--
sa?sfsmien._ summed that stash. iasgectinn shall as undertaken immp?y. Lendermay- ?ight-use
proceeds for the mantra ens masseuse in a' single payment {yr-in a series-st pregnant easements as
the teeth is nsmsiete?t ?tness an agreement is made taunting as App?aabte Late requires
games: ?was paid an aunt?: insurance memes, he regainedtseay Sheerness-any
interest er earnings an aunt: stemses?eas tar {revisits-sewerage ether: third? emits. retainedhy
Baa-snare; sent ah: ha. gait}- hut a? the immense: masses and shah. he; the safe uhtigatisn ct
Basement. if the statewide: st- repair is net 'feasihis 'es'Itan?st?a merit? tannin he
3W: the insurance pretends shalt be sashes tn the sums mm? he this-Manta instrument,

whether-Genet: then-dust with the sham, if any, paid. tn'Ba'rmees. Such immense macmaha?
hs-apptied-in the? steel.? heaviest? fee in Stamina 2t 

if harshest emanate the Fragment; Maser man his, tangents; and 
Easement: stain; and entered [if Entrees date set reagent Within 3i? hays a. sense
{mm header that the insurance carrier has ta settle a shim than Lender may-nege?ete.
and same the ataim. ffhe whey perineum begin. when the aches is gigant It: eithee event; or if
lender-enquires the Frogs?? Battier sentim- 22 nthesuisec Esteem: 
an rights in any inst: steam in nn-amnuet- meats sensed the: memes magenta
lands the?nte manta security?instrannant, and? any ether sf Eastman rights {nth-s: than the
right tea-any name. at unnamed meet-isms. gain. its "gamma; under at! insurance halides.
entering the Pmpettsh immanent: rights are .anpii'cahte tn the the thwarts; {neither
may use: the insurance. semen either tn menia- et restate-the Fmparty as he pay emanate unpaid
antler the hints or: this gametes Instaumant, abetting: as. net than sun. 

W?m?y. Bennett's: shat? 'Wt?fs eetabtish, and use jthe-_ Pregame an 
stamina! residence within 6ft data sheaths steaming: {If this Seateity- anti. shah
methane-m the Property as ??ntrnunr'n reassess far 3 ~92: Sane an: after-aha

 
 

5-Way; of 16 Fat?? 3319 

Page at. 215' 
Search saga shah seam 3y: anathema 91?an a 27 Mt-
Else: ?PAi-t?f?? amass

mm?: vi ?1233183 "imam: mixemim 333mm writing, mam, mama: Shag mm in:
Wmmbiy. withhaidi. unima ammuatiizg?mgmmam mist wi?eh me heya?ai 
mntmi.

"32 Fmsermtim, Maiatename- mad Fratemim {if the Mariam
Sinai}, amt WW.. damage (it impair tine ?re?y; agar? the 
We on aha Pmpm?sy; 'W?miwr nan-t; quzmm is mm; in lime Framing, ?nmawm. Shani:
maimain ibis Fmpe?' in as?im (a W?h??iha Emmi?{y 'fmm immigrating maimmasing in main?
timing aims-13 gamma: in ?m?an' 5 tk?ir?p?i??t mam?dn is-awi
mannamicaiiy .fmaibia, 'Borme-sha? Brogan? if-rfamagec?i ta wakiimihm
dam?mat?iaa damage. If insurance ?rmn?bmnatia? gramme: with
(1311;333:93er me taking 932 the Framerty, Emma: shai!? lie {m ramming or remixing
aim ?f?mgaemy unit; if Luadm has ?lm-meats {at sx?mh magma bands: may "disburm
mamads-fmihe- mpaim ara?-?rmmratiim in 3 831132: 933mm min-a mam ofpm'grms as
ma warkia mmgigiw?. if this imumncjia at candemnmim grmw?m ma um 'suf?cimim 
Mme aha .Fmpea?iy, Bamwm: i-s'rnm r?fiaved nf {skimming fair the sampimi?n {if 
mpaia wwraza?a?i . .

Lander im agent mm mam: maki? amt-5m wan-and inspectinm {if the 'Frmie?ny. if; it
ham maame mama, Emma: may Saw the imam: .nf {her improvemmats ma ?Pfogamty;
Imam: 311331 . ammwm mama the time Of or print 7m ma?a an ?at-mint inmm?aij-m?ing
such Mame mum. 

8.. Emmimaz?ja 1.5m. Apyiica?on. Bartram: mail be in 'd?fauki' ii, gimiaig aim imag-
agg?catinn mm- Bantam am my mass maxim gazing at the ?imi?nmf Emma :35?
with, Emmwer?a kmwimige mama: gave minim? mm. misaea?iazgt. inamumts
informatiam 9r sigma-mama ta} Lanai}: Em in providg Lender mithvmaimiai information} in
with the 12m Maia?ai 'rtpmenmiam imiudm byt'aam nai'limiieg? is), 
seaming; Bacmwg?smtupmy of the as quwer?s .primip?l maide?m,

9i i?thian a! La?timfg Estates: in. the: .Prapmi?y tau? ?ights Linda: ii?igjz?mmity
if Hammer-{aim in Warm the mamas. anti i??i?li?i?mi in fi?a
Matias: ii??triim?niti mm is ai?egid prawn-?at might; significm?y 
in thai?mpmw ?an?iar'aighis under ihim?muriiyiMrummt {mash-m 3- :1:an in bankruptcy;
mimm 'fm abndemiiw o; fcrf?iimag far cameraman: {35 Jim: which may --amia primity mm-
instrumaat- minim. Ram arregaia?am}; or 30mm: hm" shamimmi-iha

Propm?m 113m Emmett may data am pm: fair im mmhle it: praise:
Lender?s mares: in ma Pram am: rights 213% this Wu?ty: mammamzmm
ma?a? min; the wine: {if she Emmi am: Wiring Wi?g?g-i?c W?s
minim can but-an- mi lim?im? m: {219mm any; suing-maxim by is Kim whi?h'hm
mimity mm ahia Swims; Emma-(hf; appmaixig'in mm; and paying 
has mm: its-1mm in; aha Pram-:3 media: tights gm?m-ihis. including
538. muted gamma in 9Wi?m Sawing ms; Fromm iamudem but: is. mat- 151mm
2m agitating im-ngmy 2m mam mim'm?auga mm. myia?e mm nip dams am: Madam.-
?mia-Wmm imam-333m, mizminaig-bgiia?ngm 91:th Vi?i?tion'? m" magmami ?gaditim?mm?
haw mix-rim! an. Lanaim may mm; martian- mzim Imam @393
mm have m- m; m) and is mi: unaim my duty abii-ga?tm mam.u?t i3 aim mm: imam;
far am taking .m?ym' fali maiimm auihmi?aed .uncim this ?Sm?nn 
$113 maximums ?ab-?simm- by Lem mixing: [?355 Swim 9 mail Magma ad?itiaasi . ?ght-?am
Bamcwmi marmw by i?ia murky fume; simii hm: im?mm at megs. Ream rm;

  

imam? 

(was: My; M4 115 Fm 3019' 11:91

Page 8 Giza 
Waimwm' {3:199 33 mm- $632381?? 
mac; me??iiW??

fem; ehe ?ew-it? me abet. hh?peyehte; with emit inherent} Upehreetiee free: Lethe:
he .Burmwer reqheetieg peemmth 7 .. u.

If ri?e: Semrity he on; eheh. mm 13;: With eh the: methane
hf eh: lease. if Entree? aeem?ree fee. title Vite thet?mpeae, the end the fee tithe she}: net.
merge- whee-meet; ewes he the Merger hit-hi 7 7 

10. M??gagn Insurance if Lm??f ee'e heath-thee. hf matinee
theihen, hen-ewe: ehail hey the prem?eme metered 3h memtein the-Meagege effwt.?
if, fer my mama; the Mortgage iheumece gheeagemgniree by header {theses he he et?eihehhe 
the martgegeinehrer thet-preeihuaty gemvzde? emit ma?a are .Betmwer was tee-thee he make.
:eeperete?y ?teignhtee {he premiums Eh: hihrtge - {m?n?ti__33?mwer shah hey.
the haematite tether-eh te ehteih. eta-threes subhea?auy'eqmee eette the him . :Ieeteeme.
- ?weasel-y; in hi? 7 .5 at the: met he hhemwer Mortga?

hence? .evihhety he effect, them at; alternate ?mertgge'ge. heme:- emcee beget.
eehetee?ei nets-Where Meagege ?ght-Imme- sewage 1e eat: eke} 1' 3%ah?m39
gray. he header the. 333mm ?f't?he math? wheeze-term: were the when 
meme rt: be it; effeetk Lender wt! exempt, {the and herein- these. payments he a
nee? meme thee in ii-eu hf Mathew:- -.Sheh_ knee - shell be
.een?refundehie heteithetendihg the feet that the hem; $3 hitzmeteiy paid in huh; and header .ehe?
yet he scheme the. my Bet-heme any: interest e: eermnee meme: eh
zeitger require haematite. hf Memes: eeveage {in the. ameunt'md; fee-the.
?tted the: Lemier Whithe} pmVitieti by an Wee-{heme by Leather egaie hemmee amiiehie, he
hem reqmgee . maxi}? ?eeig'xme? payment/e where the premiums 'fet-Mh?gage
meet-ghee, h? heedwmmad eagege Inst-same. eat a em?thee hi mahiagthe hem em!
35?0me was required tr: matey designated heymente them: the memtume fer
him age Bemwe; emit genuine premihm?e required te-mhmei?n Meagege imam.
in. .ef-eet, emeeipeevtee'e. henjrefue hie lees We yeti! iendehe reqehemem-fer the ge-
htemenee ea?s th-amrdehee any era-hen agreement between Bertram: and heedeepeevi ieg
fer-mt} teemieetien-urruetii texmieetien is required hy Ahptihehie hem; hiething in. the Mien
marten-ts Bermwer?e' hh?get?hhth he - mmeet at the-rate meme in the Nate 

Meagege imrmee-hh?mburm der- (er ?ileum?" the; meme the Note} fer-emin
limit may them if home-wet ?oee eat reheat the ah ah agree; hermeey is net party he the
Matt g?neimnee, 7 .

?mgege their teed-?sh he in fame free: ?time he time,
enema? enter Seth agreements with ether ymee that-ware he. medify' their rieh, er reduce-30w;
egreesheme are On "rhyme and that are-eatiefeetew tie the meagegefihemer and
he ether hart? {er parties} ta, agreements. These egress-meme may theatre: the meets e-
wedge-m make paymente heist; eeyeemee hf heede- ?aat the mortgage feature: may have eveiieh 
{which mey intimate from-hammer: Warm-see .

a he a result hf theme egmemehte'heaem hey meme: hf ?the Note?? heather inherermuy
eeummer, any ethesehety, .?ef?liete et a' {chef thetoehgeieg. may {heath-er
in?ireet?y} emanate-thee. heathefeem {ex might characterized es} then of Emmet-see.
phymehte fer Matthew Matthew. in exchange fer eher?eg er gheeiteihg- .1. mart; insurer?e
nah, er redeeihgz idemif each agreement pfevhiee the: he af?liate ef- Leetiee- takee are hi the
imeh risk tn whiehge for a share ef the premiemeeai?ite the insurer} the eeraegemeet is
after: termite "captive rezhserehee? Ember: 

. Any em}: agrmmente ermine-t. affect the emeuete that ?at-meter hue agreed to-
pee far Ma?gage {Nutmeg or an}? ether terms ah the Lean, ?heh emanate that
the emuhet ?atmates:- wi?ewe ferihhartgege immanent, am? 1: will net myth-tie
Bummer the any minute. 7 

hey eheh egreemenee wit! hut attest-the eighth ?armmh has. 4? if any. wie?h.
wheel the the Manage Inseam; matter the 9:13p? . hm e! $98 0? hey"

its

{u
inmate-3' 

 
   
 

  

@3593?! WW w. ea harm steth- he:
Beom?FQSt?Pagems Page 9 hf 2-5 
Mmmem- ?st-?25 hemhemmehee?emhemetteemr



 

athe: Eta, ?These rights may include the ri he to {waive .aena'in-diaciaeuras, 
and attain 'We?e?eh of the Mangaga much. to have the" Ma?gage Mamet
terminated entametiaa?ht earlier to 2mm: a refund a! my Mortgage Insurance
ymmiums-that were unearned at the time- of'such maeeltatiah m-tarmihatian,
i1. .hasijgnment-of Frames; Fetieitam. hi1 'hheae?aeeata Prams are
edta-ehe tha?ilhe 21:: Legtier. . 1 
7! is ?amegegflemh Feweecte ahaii he. haphaza- ta {Marmara {21'
teeth of the Regatta or regret: it fet?ihte the W?er?s may ha
ha: 3W 273:3:ng the-h raipeir: he: Waterman petiavti, Lander-shaft have the; right-ta humid tutti,
uati Lea?et hematite an eggormatty 3a ensum?:
the hark been been camaieted ta Landez?t satiatacaoa, .1: auth- tWi?n has}: he
undatekm mummy; Lennie: may my fat? the graham ah aestuaatiah in a tingiadtahqmem 9:
in a aeriea- a? warm- at the wart xa. mgnpieted? mutate an agreement it ma?a- 
writiag-ae 5.13? Jimmie Lat: requires intereetm be pm! as; suah h?ecehapamh- Female, Leader
the}! hat he. required ta pay Barmwer an? interwt o: mugs. an such Fmaaecia. if
them-mien (ta-repair team mam-Meal]? feasthle or steam? Wale he Emmi-the
Peaches-at that! he. aaftiacf tn the sums Miami by this Security. Whether
a: hat than dine, with theemm, ii any, gate Bahama. Such Mittehmth 132th that: he
apatite fa the-arti?eaaraaida? the. ?221 Seetiahz. 

in-the extent "at a tutti taking, emwatmh, a: 39% Vetue at the Piranha-t3; 
be ta the by this Sweet? hmmeat; whether" at eat thee.
due; with the exam, 115 mm- ta Bummer; . 

in the event at {Janie at law. ta taint ad? the hmamy ta?mmeh thafazr
market value at} the Ptolemy 'tefoee them! 235:5? slimmest a: teas 
argue} that :5wa than the 33:11me at hit this: entity" Iastrammiimmadhteiy
heme: the Mitt taking, extra/attain a; lites is: value, unteae 'Emraeesf'ahd Leader athemiae.
age: in wnting,~the atma-aaeme he this Security. 1mm: shah he mama: by the-amauut-af
7_ .muitigltee- by the meal 'emauh't a? theeume
mutadimme?ietetyi Maze the Mai. taking, When, at jaw at; value dE-?vhtae-?hy {Eh the fair
market Value of the Bra 1157 immt?iateiy Morethe partiai tekihgg Meaghan, (If. thesis: tame.
Any heianaa shah bh at: as Eamawea; . . 7 .

{h the event-0f a genial. taking, ?netmatiaat a: toes in telnet at the 9:093th in whim the fair
market take: af? the aty-immeeietelt hesitate the gartiei tthihg. emamtaai he 1min veins: is-
he 'j?taa the: the tame-teamed imme?iateiy bath? the-partial taki easemem at
has in Vaiua, anieaa Emmet: had? Lead-er. athemieaegwa in thahtteae enemas 79mm
fail. be aaptiae ta?eemuaeemrad by this Saw?y instrument car. not the-euma axe-than

if the-9mg is ahaedaaed by Bahama. at if, after what: it? Lah?er 'm-Eaeraaer that the
?3an Patty {at defame in the ham sentence} hffate-tm make an 'aWaM meet-?ea agaimfaa
eMagaa._ Emmett-feds tasaegtan?- to? {at-gem dear after madam the hatich ta gitam
Leader is amhanaad. ta tame-t amt the meansienaata Ramada either to rtefamtha auras tamed by data swath: {whammy whexhee a: 511%
mt ?Wait; 7 3? mean; ma?a-ea hegmwer Mammeahe tjmaeacisat the
party aghast-a? . a ?ght at attain-a, a: regard tah?ace?anemh .

Eareawerahait?ha in {Matt-it it 3333? acting: at amending, whether aivii? at a?maa?.- is item
that; in. Lender?s gadget-eat tame remix: is; Iaefetaxra at the. Fragierty at lather mutate:
.xmpairmm at meat interest ia'thje 9mmw- GT ?ghter easier it Seam-hf: instrument,
We: eat; heat each a ?ef?uit the, if mihmtiaa baa attuned, reihetata ta vidaai in Seance
by eamgag the actizan' 61-? - tn he dismimd With; ruling that; in mitt-?3 jadg?meht,

gram. he 
germinate mam at the .mWiF? 332? ether materiai: imhajament ai'Landr ?e threaten; in the

  

initiate:- 
am it: a! at: 13am 3515 1131
79315133393764 Page 10 of 25: 
meet-team Page thaws [Mathew mm Pam: meets? marm-

aac: RFWEM tat-acme

harshest st- sights: tenses this Secret-ts issiwmest. 'si any; award at shim fet-
ham-ages that are sterihushts is the imes?imsm sf Lease-*5 interest is the Peeperty are hereby
weighed and shah itepsid is ihsder. _7 7

hii'hiiseehsesete hmessds that: are as; angst-ed tn restereties st repair sf has Piepetts shsii
he spfiied is the feeds, presim its in; Sashes . 

h. harshest Net Reissue; humanism; 3y header hiss a Waiver, Extensitm hi the

tires is: payment st msdii?isstisn sf "ammizstish hi the sums . .mused he: this hmthi?ts
header is BWEIW or any W9 is interest sf heiress est
.shmisi? sees the sf Berxhhes cs assumes in [seem at assesses-Lessee: shah
set. he requires is immense: any Simmer is interest sf Bezmwerst is
rehase ts serene time his sexiness: st modes amnr?saties sf the suns sesame his this
Wits'inhmmest his rehash sf he}: dmau? made he the origins? Bessemer at any Swimmers-in
Interest sf Esrfeses._ has he! lease: is sseseisii?g'sas eight remeds' insisting
whitest Di hsymems from this parishes, entities as 311(3me in
Interest of Basses:- miss esteem tees than the sets-est thee shsit' set. he a waiver sf er
pneeiude the-exersise hi my right he messes. 

?33. ?93m end heiress: (Tia-signers; Sammie ?shed." Bermwes
'wm?t? ens seas sad sheii he jsiht'snd mess Hoses/Es

as EmmWh: er immanent-hm sseceththe Nets is ?sessignerj}:

is: isessigni' this heetsit'fgl'estmmehtsniy he mete-gage,- emerged senses the 

interest is the us? er the terms of this hemihty ismmeet; {hi} is: net persistently
ehiigsseti ts has theseme mated by this'Smsrits Inshersehtgsed. is} agrees the: {sheer seat the
Burmese has eyes is" men's. mvtiifi? form er make with regatsi is

the terms saith-is ?shes-my {misses-sf the hints without the new: mesh messiah

is 'hscitisn- 13? any humor is interest hithert?sms she assumes

assesses-h shiigstiens amiss "this Swath? {sentiment is with; end? is sehsth. by mastishsii

obtains: of ssgi benefits ends this .hecsrits?isetmmese Ben-wee shit me he
mm- {mm has hahiltty series this hesmity misses; hesdsr'
agrees to such misses-is. ?shing; The messages and agreements this hecmity Instrument shah

hind-{exam as; vised heesion ii}? smel- the streamers anti assigns'oi theses.

14. Less -- highs lenses me? she: hes-reset i hit sereiess performed is eehseeties.
with Emma's sheets; for-the We 'groseciisg Lender?s interest is the Peepers and fights
sexist misleading,- but nut; iimites fees, {sem'ihe time
see Wili'a??h fees; in regard is any ether fees the sheaths: as? esesess Sissies with
Metres-heat; ts she-me a fee is assesses he sensitizes es pmhihitiss he the.
charging stash his Lender may set charge fees-that are espriessis prohibited. hy thisheserits
insights-ssh as he Aspheshielseg . 

ifjthe Less is wishes: es a he. .whieh- sets mattress: than charges, themes isfihshy'
inmates so thee-the interest er sins: {messiah es mhsemi-sr: is he wheeled in assesses-Esta
with the-Lees sewed the-?psemittes iimits, than: ?shy-sash ices shares shah he wisest? its the.
assesses the-siege ts the-permittss lines; and; {its} my sums :eirsstiy'miiem?
hem. Estimates steel; emedhd misses-testes sit} he Messed ts Between Les-?es sets
theatre is makethis esittsd bi we the griseigssi stash under the ?ew st 133?? makings discs:
Ee?hhss. if refuse mes ?smith the resumes-sin he treated: sees-Est
saitheet shy- prepayment shes e. ghethes as not eh. easiest chews-is. psetriw far
its st theNote}. sitssush reams made if directipsymeht is Beaches
exit gametes is. easiest- at we tight ef estim- haste arising set of" sash

sheaths gives by hemhes a: Lender is mnm?h?. with 
instrument him he in writing. has ashes ts harshest is seems-ties with this Security-



initiate: 

 

     
 

W??m?h??53 sees it of is: Farm 3913 11M

Page 11' of 25
g??mgmm Page 11 she seems s9; seem as: its

 his assistants, it} hits hash gifvsa its Barman when; maria by first this that] at
?when mis?t; asiivatsd ta?atgawst?saahae ism if has: its atheist mains Matias is say has
harms: shah satiatiima'masa it; Barium his; shaman-ii! requires
amiss Tits statics a?msshaii his the hadi?ahs Micah Batmwsi has designated a
substimta assists shims by assist: Lashes shat: parasitism might {assist at
Summer?s things at asthma; Elam: a far thinning Esirqties?s-chsags at
address, that: Bananas-shah {may repeat as change (if sags-tins thins: that spast?ad messiah
Thais may he missus sadism trade? tins Eighth assistant at any has it his.
his amiss: is Lassa: shah its was; as Massaging it by mat i itj by first chih- stasis-ts-
Lsahaib sd?ma assist: bassist smiass Length: has tiassgajnisii that at salami by mass "is:
Batman.- hay amiss in tsunami-sis. with ma Salami? Instrument-shah tint he timid is hive
bean gitan his hands: with aaimiiy initiatives-ht Landau If an ?amiss r? titted by this; Smitty
instasmaatisisiia required haw-ahgiswhia Lea; tits staph a saith mmaat'ws? satiety has
hurt 3 its; this?wmity Eastrattisaii a 7

i: .- List; Ethics of Cwatxhatian. This hissimy' 
his 1 by issiaisi his and iha?liw of tha-iarisdEctisa- is whim-this Praying-- atheism, hi2:
iigitasasd ahhiahaas assists-isms. in insists-mast! its subject in my imam-mama aid;

 

iimi??aas (if. pplissbie Lats hp?iashis Law might sxgiiaitly at imgiiaiziiy allow thawriias to
.agmi by summit at it might ha saint, but such mismathaii that be masituad as it gmhihitiaa
against amass his whitish. It}; the: assist that-shy pmvisiua at stasis at. this Steamy
{Miami the Nate whitish with ism-511m hats-?irts. shah naiaffsai- miter
gangsta at this Smirki- institansat is: this this which am he: gtitsn siisct stigma; this

Massif is. thisf?ecwity waists: at that masts-tints studs: shili mesh. and
instincts ashasybaagiagasuisi assists as vistas at this: amiss
sin mass: and inaittda tha-,plisrai sad was wish; sari this ward "may" gives sate 'ciiafas?stiah
trims-ant it}; take any lasting. 

?a?awcr?s Capt. shall its g?iwn' gas may (if this ?ats: sat} a? this Why
mm .

Pig, Transfer is! the _.?iagtsisty at a ?B?enafiaisi intarast its Emma-sir, As Lissa in this
Smith it: ?ts Prawn)?" means any iagai at heath-sis! Entities ia-ths Prawns,
habitat, but as: iimiisii its thaaejhtiss?cisi iatsratia transients! in a. band is: sits assistant for:
?ash. issisilmsat ssiss'saaitiat at WW sweating this imam sf which is the ma?a if this by

Masha: it i him-i assists . .
if has past 95% . 3* at any. Initissitiitha Fm ?y is salt} armsfatm? {at if:
1_ miss: it sat a sad; is heaefiassi interacts. is: thaws: {assist or: sis-mated)
aims Lender?s gist whitish subsist, Lhasa: jmsy sigma. 3?th it: hit. at in
assists mad-733g . Seams Imminent antiwar, this shtiaa?shaii asst smashes is 
if ?Y-Ahhimm??hh?? - . .
(if Lassa misses this aghast; Lassa; shift; 32% Misha: mass at The antista-
shah smvids-s {gems of has his ihsa?i) hays- items tbs-sass'ths shifts is gitsa iai-ssastdsasahith
Sashes 35- wit ?13. whisk Bottomsmm pay ail-sums seamed lay-this. Sammy Wmm?m. if
Maharishi is. gay thesa'sams; prior "ta" ?sh'hxgii?h?d at this ?ts-hiss. {swat maintains say?
fantasies: imitiaa by this inattumsat Within-it farthest Entities at damsati as; B?mew?i
?tf?w?tfh R5 is? statistic hits: If. Banawsr mists tartan
eg??i?w; "Samaritans this this sight ts have assistants-ins a: this assists harm-sat
that: artist" to titapa?ta?st is} {its days. Mummies? aha Prawny assistant
"is hit}? assist at this saatsihsci in Eh) shah what wrist} "is Atyliasbis
ibis-hr might Wit-foi- this kiwi-aims a! right thiamine; its Sig}. an his Mathias
ahfmi?g ihia: Seams/st Iaitmhtaaii Thais its thisi gamma: (a . is ass-ass sit with

  

masts} hosts us, is Pam ms W1

 

Emmi ?793Ii33gem? Page 22 {If 25 
rm? Wight-3?5 313mm 
his: mimw?i W?s?h?

whiah theswsuia- its aims assist Iatstramantand that Nata as it as awalsastiss had

sasmaai; auras any sash: {sf-aha athas th?a?a? Bf assessments; pass all 
assumes as massing this imitating. has sat hashes ts, aasaasahia wast-says"
amt vatuatisn was, and other. Mahatma-tat- that asthma at 
Lasda?s imam is aha Fmsamy that rights was; tans Security ass {at} asks-s stash
amiss as Lands: may wash-a ta "thsahssdaa?s tawsasajih aha 
tastier this Sheath}; hmhumast,-_ ant: Bormwar?s shitgasttsa: as past aha ma alas;

Sheath? instrument; shah mamas mains-gas, Kansas may mamas that hamster as sash:
aapaasw its-ass an? mars sf aha fsiioatisg farms, 
ts) cash; {It} mass? artist; ?awaited attach, hash shack, at cashier?s est-sash
waists. say was asset: is draws asst: as has mamas ass-a was
swans, iwtmmaataiiss as. cantata; m? {at} $th ?Dst?s .Ta?ssaasm- tapas- as
Barrows, this-Shasta? shtigaaiasa-wasrad swaths shat! ramais fatty sheaths-as
.if' as has: swarms. Hamster; this right w'minatsta shah set is the: "sass-at
.assalaratiss? assist Mahala. a 

Ghan'ga at Least Sawim; ?s?waf?ttavamh The: Nata its-mist-

Watt is-_aha-Nata {tagathss with this Seaway Inasmmast} can: as sat-ti ass as mass. assas-
paths statics-ts amass}; A: sate might. mania ta; 3 shanga at) aha straits human as that
?Lass Smartest?). that catharsis: Farihats saw?sdasaha state that this Sammy In?amma-
antigsaafsamsothar mortgags ohli'gatiasa sass:- aha Instrumsst,
has A These high mash: he ass as: more: amass at that Lass as a
was a: aha Massif stars is ra'ahssga saw that: Service?s BONOWK wit} he aim written hatie??f
aha change which jam. stats-aha hams ass writ-aw of tits mamas Sammy, aha :adttraas as: which
mamas shunts magmas that may sass: tsfotmstiah RESPA- regattas is shaman With-a satisa
stataastaa of .sawistsg? It fits stats. is ants and Watts: that than a. Lass Swaiwa'
(stats: than this astshas'as at as state, aha mortgage: tass- assassins saltsattsasth Essa-sass: was!
jsamafih was the Law at. its as a succsaasx Lass hamster-ass has. sat mamas
by the? Nat-spamhasas ?us?aw sthartaiaa waisted its "tita- Nata 'pihchasst. 

7 hash Barmeagsatisasasr may chasm-assay his, sass thaws ts'aas snitch} .asatss its
shims-aa- aha member at a saw? that what tram aha sass; assays thaws
panama as llama-asst as: that shag: that the mass par-ts has, washes :33?
Eggheads as ans-ass was by saws stasis {attra- haraxaana saws 33mm: at

as has asatfiaa'ths- sthaa jars-"tam with mates avast. in camsiiasaa With the raqsiasmajnts
of awaits: t5} aasaah thaws. sash has shataad the: what a satashaihta garish stash
magmas-st sash mass as. tahs assassinate amiss, If: sps?aahts Law ?aasaittaa a hint: pastas
ataxia _-m'satj assists-station can: he tat: _g that aims assists atrial batiasmad asst:
twasashta tar? at this samstsah- ?Isa statics ans ts aura
givaa ta Barristers: swam: as Shaman 22 anti that maisastassalarattss givas as tastier
gawssat as .Sssaiaa sass-ass assess satisfy aha watts asst assistatatity as sass-mass
amiss .rstfiaisas . .. 

Asa-wad 3a 21: ?.?saatdoas are
thaw waMWa-sa?sasiw sass-st .haassatsts asbsaawss at mass as 
has amass stats- :fiammahia masts:
swaths asses sawtsaas sad satiatiaw.. whats "assistants matassisj asstaiatas sabasass hr
ssasaidgehyaa,. snag (w-?Eavirssmasaal has" swans feasts?; ass "has
?at aha. shawtha. 1?me is; teams that mists as smith, satiety as 
.ssatasatss: {is} ?Esaimsrsaatat - instudw any Tat?nm swim; at
as tastings? its Emit-assistant Esta: anti {at} as ".?Eatv?imhmaszaal {Ess?itio? means
a. smashes- that ass Gauss-t assistants. its as athsraisa stigma as En?asamastat {lawman

Farm was vat

 

ass as. as at

Pass ?13 aaza 
Nask?msaa Seaman Stags at 35 Whaa?as Pair-sad: ?itmt?t 
aw: amass :24;th

 

Bahamas: ?shah he; ham .hhrmit hm. (Si . 3i, hieragh a; arch-Em my
Rahahihuh arithmhieh ?39 3215353 Sh ham, am: he make ?hpeeny.
Bmwjer :3:th hm hm, hai- a?hh 31:1:th him mda, 3:1thth meg-"Framer; thhi is 
hiaia'?hh 3f" any Law, 32h} me {hi
duh the hr :3th a con?nihh that
whammy afihch :hh high of the: Emmy, The hmdahggm nut: 39531:? the he
ash. hr oh Emmy a? 3th that am
Hath:- -mgnihhijgh he: my harmed .mja?hh?ei ash: .e?mhm cf ?the
-Wf ?nciuh?, hut-hot, hehiteged taeuhamdmh $13th is: hammer wa?ueh), 

War a Mirth writhh-hhtm-hi' my chm, 
imam hr. hither Mimi; by ah? hr {6%th h?hhy? qr graham patty mvhivmg 1hr:
{item am} my ?ahardhuh oh - hi hi which Sammy has Mai
Iahy {Zah?itieng Enciu?ing-hut hat i?imithi "ms, any ?giihngyieahihgy
- himhargfh, rhihajhh her than of shim hi any Shaman; 'hhstahcs, mi a can right-1 cam. hr
the mace, m1 a? meme hira hubmnc'h whirsh adwhheih hf ash ?it-WW hf the

my if 36:1?th hams. 03? is hh?fie? h? 313,3 hr- reghihthiy-hmhh?zy, (If any
?sh harm that hang wmwai hr media'hmhf my Hazardahs afiwiin the
Emma: shall Murphy mic: ah mhanh m. mat ah:
hi Law. Nathihg harein shah create: any hhiigh?ihh an th?hr her 223

(Emmy. .
Hi 30mm and thdear Further hm! hh


22. hmhihrh?zhh; Khmedihs'. Lander givg natihh 'pxihr w.
Seesaw-aims} fhiihwihg' Bonhmr?h "?3th of my: caveman! h: grammars: in ithih ham-?15:
in?xumhht {hm not rim- mihtatim 3mm Shani-rm in?ame ,App?ehbih 12m.
hwvizihh mhh?s?iheh I?h Which slant} swig: that? ethyl-1;; required the
cash the ame mt "hash than dayh 15mm the: date the: hmiezh is. 3mm ta
Earrn'hgr, by wmhh--thez?hiaalt and that This} the :41 mm. theahfhuit an.
Wham. the date Esphhi?hii in the antic: may? ream: in hmihrhtihh ?fth? sums sheathed



gathis Sheath insimmhni, fmehihhum by. and sale 

with-3hr: hh?ahh: a maxi after hmlerhtihnmd
tine rigl? he). hi ?le ymmdihg ?h hie-a .dhfhuit hay
when; hi Brigham: to accelhraitxhh-hmi fhxwiasnm if the de?auh ishht h?r?d (m
in ihe n'otihey at its ?martian any 
'ph?f??wnt in ?1321th a 7 gums swatch. 3:37 shit: Sew-ash? Manama! Eartha: hamm?
311d 13m}? fhrwihse- ?1578 Security Instrument by jhdihihijpmceha?ng. shah ha
emi?hhzm mliwt an expanses in arming 1hr.- rmhiihs. ptwidhri in thiweetihn
2% including, hm hm ismite?th, champ" ferns-aha c?hsts of this" whienhc,
?23; Ehi?m; Uphh pagan-rem, hi hi} shims 535%;de her" this security instihmhh Landhr 53ml}
_;rh1ease this; pay any Lendht may marge
Bertram; a fherhr-r-hihhsihg-mis Securityihswumhm hm -ah13e?_ii the; fee he a "third way
fWVW-r?u?at?ia?i? than charging-hi him. free is iicah?ih Law, 
24. A?hmeyh? Fm ha 11W in high Shehmy an aha ?New, time?
shah ihesw?e them magma: by an apm?htezmurt? mam? atm1??y?Thin: whiwh The: whim my right he "a trial 135:2ijth
h?ti??g mamiihh cihimg 1h hr hm, 1w eh:- is; Why; arihihg
hm him in my 'way?rhlawd 21:} his Wt? inhtrumcht hr aha Maw.

 
 
 

{h

Jermain;
em 1&2 ham sat-m was
thk21?93i??age?$3- Page a 4 of- 25 
1mg Heaths 32mm 

Baa: 

BY 13mm? rampart m1 am to tire. terms. and cavma'ms mmimi
it: this Instrument 3316 it: my Rider mm by Banter aati W?m? may: it;

Em; weird mid driivcrr?i the .gtjasmge at;

  

(rear:
Jig-smart r; Starr} a

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m. it a! PM 3319- 3:91

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Marie: sam? 9351a i5 ms Rum arr; 92m: 8:131 mar-Hr ?13m

mm: 

 

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Tha faraguinggimumgnt was'ackmwiadgad 156mm mei 11116 l3__m11+ gm 
b? Jier's??v 515311616

 

 

 

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?r?m mm: a 34. mm 3619 ism-t
Baakz'thfPage?? 3639616 0? 25
1?36}? W$mh Emma? Mam NM 31325331? 13' 31,5392!-

5395: W335

PLANNED UNIT DEVELOPMENT RIDER

I 
NUS WIN: UNIT INNER II INN-I INN 
mam; 29:37 I mm i3 imrp?mNU? mm- be: dUUmUd in mm MIN

SUNNIUNIUNI NU BNUU UN TNUII NU DUNN {the NUUNNIN mammem?? (if
NNU NamU date, by UNU NUNUINNENUN ta NUUNIU ENNUWUUN New N1

WWAL EARN-I MS I .
. {the 
NINNU NNU Pram?? in E?smity Mammal; and 

NAN-BURN URI FL 3341.4

{?r-apart? Adams!
Tim but NU UNI limited to. pjarUUi' UN with NUUENIINI
Nim NINUN and Newman UIUNN and as "m

GENE I W3 33'? 801313
The. PINUUINN is: U- INN NE -a UN: NUNUIUNIUUNI UN

NANMI EEIANIH- Naif}
UN Fianna! UNit 

NINN TNU ?an NINENNUU BNNUNUU in INN or
entity ?it {rimming NUUNN NINE UN 1216 P1333 {the 
INN INN NUUNI and News 

.i?lm In IN the NINE: INN 
Wilm?m gamma and LNINUI INN NW N: 

A BUIUNNU: Warm UNI {if 38:21:9an UNiigntiUNN INN 932.11%
NU INN: (i1) {ii} UN

9N1: FUIUI I- NummuNm 

   

PNQN- 1? UN '25

madam 13%??wa um mm .9
KW .W-WFN .I NUNN 

its-ea rattan, trust instrument or any equivaiant ?sherman the {team Ameiatiam;
and any amt-awe Eat" miter mites at reguia?ene of the Gamma Wi?im. 1501mm: than
Wham, attentive. all attested pursuant- tea the Imaumaata;
It. .Mpafty- Ittattrmiae; Sm tang as "the Gamma maintains, with, a panama}?
amtpmi teammate- ttarriat, a ?theater" ar- ?'blaakat?? petite} insuring ?the happiest? which it
eatt'ateateta'te Letitia: and arbite- ma?a imm'eiavarage sit the ameupta (imitating tie?tmibl?e
tavei'm'}. tea the gamma and egaiaalt km by fire, heattcih the term "iaateedeei
wage,? and any ether heartaieatediag text" net iimitad ta; aarthqumkeeaed?aa?a, {at attach
We? requires teammate that): it) imitate: waives the Wampum ?S?ectihna ferth?a Paata?ie
?ymmt at: Lea?et at the-may premium. imi?imaate for ampmi: imaatzaeehtha'Frnpeatt: amt
. Bamm?a gmtim?t 5 ea maintain pregame- .ipatataamaiameraga (ta aha Pregame-
tit-demand ?aetiefiaa tatthe teammate: the awaited-emerge it gamma. ?my the Gamma-Wham
titty; 
'90 What im?ar requiem em a anathema at this Witter can cheaga during the men at the team. 
Borrow; mil give-heater paempt? petite hf may tapes: in pmgatty 
Wham-ta tat-matat-e:rhi-tektt with
in? the meat page diamiheti-ae at meats in limit at vegetarian at impair
falipating a item ta the: heapmty, er "ta" hammer: mes amt facilitieaettha am,.eaa gmaa?a'gayahle
Eta Bantam teammate aeaignmi and. shah be page: to Lender, Le?eaahefi eppty thaptoaamia tax the
EM mama the Emerita Instrument; whether er net than diam, with tha-macmi it my. paid- to
. .
?1 Pehiie Liahi?iity inanimate. Manager shelf take amt: matinee-am they he tam?aee?ahiate
Wa'thattitm maimteim a pubiic iiahhity may timetable. haters?;
amtmm? and-extant at mama-age te-Leadatt .
it). {imtiammttem The games army attempt mam. tar damagaaydtreat (It aamqtmaaiah
payabiam gamma: camaatiaawith titty matemnattan-oa with: taking at alt at any part (tithe
Fatwa at the aammpa strata oi? the Phi}, at far my mangaeae imitate at
eatKiathnaaen, are hereby eaai'gaaei'aad shalt he paid ten- atm- mammal: he ht:
imedar ea the impurity instrument at pea?tithe in Mien i1. 
E. Santana." hammer shalt hot, attempt after amiaa- ta: Letitia: and. with
magma: mitten methane eithar'partitiea or aahcg?t'iale that happened}: apartment has the
ahat?anmentimr teamihetioa at the-Fiji}, enema, for aheadmmem er'tetmieatieniteqatmd bylaw in
the case at hematite: diastmetiett hr the at mites?- casualty er in the ease at a taking E33:
aantiameatigapjnr maritime (immatti; {it} any emanate-ant ta any pmttaim ef the ?thamt
Wants? t? that pmimianiiafm the am bette?t at teammate} tatm-ieetioa a! 
amen-phat: af aett?meeagmnem at the Qwemahataeiatiea; {it} amt mien
whieh wanki- have-the wear-hi Matias: the: imam. meatage maintainea ta the
Gamma tamer

. . . W?ax .
?fth magnate?a! Fm amt

"Bahia??! Page 1-8. 5525 
?tm-Qttiarhmc? P19: 18 aft-'5 Requested ?y;.angeiajenea Primed; 5ti??20?tt?fm
.m-z-ataaetaattaamataa

it. keme?ies,. if ?mrrowar'dm net pay mm jams 73m: mmzazis when: gigs} men. team.
may ipay? them. Ag? {mast- met pasagr?phl Em: Wamw?di?omi
elem; of 39mm: mum} gim- Saamity Unless Enmwer' mi Lan?er agree mm?
mm af magma :sha? hm ?fe 632m? dishmemem at the: Nam-ram
am! shall be imrm. 13pm: minim .Le?d?r'io Batmwe: mummg gamma

BY 8133512923 BMW: M95918 ma?gmi? img 313d gm?m C??iai?adin wig
Pug-.mm 1 . .

   
   

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Beast-:21 ??931Page773 pagmga 25 . i 
was Pays 1&91?25 ay:amk??m??mimm?nf??fm
802:: 

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index Fawn: and Range Gaps}

amua'maw Raw EIDER is ma?a this 13m day at
?an. 2.1m? and: a inmomm 1min and shat? he .ataemidzg amend am:
wapiamm ma magma. am rm., at Seaway {need (the "sacu?ty Wigwam?) {sf-the: saw
?ats gm: hy-i?a undemig?w: {me $er in seam 8:}st Wa?le?m Nate (the?
?team?; . a - (the: .?fhamm' a? the

aame ?at? mi magma: uemm in the Saw?y and loantia? a:

 

 

WRWERW 

Ema cemm?s- ammua Em ?m 
mm? RATE- mamw mmsm. my ?f?m?f mes??
ing??nayas WILL mm {mm scum Mavis: ma 
mam was? semis .LAMER mm t. 
Mam 1.39%. a? 
g. ga??g?gg?g 1; tumEsT cm was taxman 
lm?f 5mmmame-Mmem MAY 3% mm 


mvmam. in mm Ea. fha- upmams anti ammems ma?a in me: $anu?ty

'i-?tmmam, Eamram ?Lend?r mama: augment awaagmas f?ifm:

images-7 mmam MW QHAKGE-s

mm wig be a?ar?gaa on. #159331: anti: the; MI alumni at 'Wpai has bear: pae??y Up-
'un?i them: ??agnf'thb. mianaamaran mat ignm-ad?atezy W35: the: ?rst paymant am; dais. sat
{min {at swim 3 mm- Ma?a; 2 was gay interm- af-a yearly ram-?31? Them-em: anti: 33m
?rst CW 0.316185. diafined its .Sectija'n a: m? th?a 21m; w?ipay imam; at a warty rm at
,mn?g% Th3 Wares: r2133. ?u?if my wiif thema?ar? mmga in. amma'me; w?fg'?ec?m at m" the;
Nixie.

Ema-W? age-1 ms Lama 

 

Page 2123 mi '25 
5mm ma?aw 
am: . 

Seabed do; the Nate medias-afar disease in {be bearers! fate and mommy payment as mam:-
14s- NTEREST RATE sea PAYMEM amass

{antennae Betas . . 
The: Masses: rats pay my mange. en "the. 1-day '?rst day, every menth ibareafter; ?esh'abch

 

day-e ?csiied'a ?agenda heist.
. . a

?nesse-change gate, my interest rate were: new be an ?index. The ?Indeed isthe ?News?
Mania sewerage. determined as as: {and being, of the amaze yards an assay added Limie? states
"fire-aside Securities ?adjusted be a maturity bf one year as sesame by ibd-Fedjeeat Reserve,
Beard? its the Peseta} ?es'ews- assesses: Reis?ase- subbed ?beheaded imaged Rates {the
assess was?). the. TwelveMoaib? Average is d??min?? tag :s'adieg'tageiher ?ts Mammy. ??ows
{as the mast reseatiy avaiiabjle Waive means-and dividing by 

"we. mas: gamer ladle: ?esta available as a the date as days beam add: {image minis added
me ?curred! index?, 

:fthe index- ia he wager. ava?lshie, the-Raw Haida: win cheese is new index Web is based ayes
sempatabia-iniaasa?m ?th Nate ?aws? serif: gave me antics sf this rebates.

'inaemet?m' chem

Befara each assess: ?ats the Meta Hulda: win salcsl'aie my dad imam: rm by. 
mass gain 5a; was pere?enbze?e paints
mu??lf?mrgin?j xs Carrels index, The blaze Healer Mi: teen-reuse? the masked this seamen-te-
we nearest ans bf see pemmage pain: (seam; babies! to; the dams stated sadism
4(3) 931%; ibis mended amend: saw bemy new interester un?i base? is theeveni
a saw mate}: is; seamed; pursues: {a database 4415}! Maggie wig be amamieed; The new
Margin as be-ihedifferanae heme ?the average a: tee swindax ?far the mess recent-isms year
padad- whisk ends; as see as: date the index was madame pies ins .Maegi?. an the tbs-'1. date the aid
mamas sesame and of the new lbdax. is: the meet teased three year period which
ends (in that date if set asailab?e .fm'sem three. year was time as it The:
diffemmwi? ba-mundes?? ta the next 

(e3 messages ?edit

My Mideast rem as: easier. degrees: than gag 9?5 F?ap?remew??vat fatiewieg my sale;

as iraasfemf tbs: pressing: which assures sesame! pf ibis Nate sites the are. Meredifraie {theme
dais, the .mezemum Entered rate Wit! baths- hieher' at. the {ts-p arts percentage semis greater was {he
imam,za?a in a?ect at the time at amnesia er transfer-V. 

{Ex Peymam Ghabge Bases 

madam every year eemmareieg duets sane . . and an me same
{?Pfaymem-Bhaege- taste?). {be Esra Hemimrldetemme ?the

 

 

asses a use; We are memes masses 11m
BOekE?i?93fPa?ge??5 Rage; at '25 
Passe: was assesses Ba-aseasiaas?w: age-semi? ??27m

m?easdm-maae'

amauma?he marshy aaymsni that. maid be suf?cieni to repay 2318? mama ?risa?aai sedan-ca I am
assesses is we as sf Pays-1am Change: Ema in run an the magma: sate aims Emma's-rats in
sffaai assays primac- ma Faym'aai change wage in substantially-miss: gamma Tris-masks? tats
saisaia?m was. naw mass: at my. mamas; ?Witnesses stables! 1a 3mm: Malawi and make
paymms in as saw salami anti; the: ?ags 9mm Chasm-a ma?a amass-ms garments are snagged
easi'ar amiss Swiss 4(3) (as-mamas 

. samba 

Mass semen aim. and as} balsa; apply, aha: amsusi at my saw marital; paymama beginning
wiih aPaymez-?. ?ange ?ags; as be timimd meta or lass that: {ha samurai"! baseman
ssyiag. This aaymam cap amiss asiy it: are P?aa?p? Fam'en: am: uses as: assists anysasraw
.iyaagmasts?an?ar my mums under {Blaz?aaumy Immant. 

{81' Ghana? in: My impaid mamas! Bus to Nagatiw Martimian at . Aamiamaad
man?im?m 7 

am my paymam-amamt. aha-mas mas-{means man the Mara?mta anti saw this mamas
sawm- is subfam'ta ma paymem ?m?s??ms samba: in swam; my manlhiy yarn-?cani- amid
a: graatar man tha amaant at the? Masai scams 25- mg mamas gamers its: mum as
au??aiast ta repay ma mash": Prisms; at {as mostf?y pager-sass data-in as as maisrity saw
in Wan?a?y aqua? Far swath-that ma: mama-y sayings: is interest
gamm-tha Hma?atderva? subtract the martini?; pays?tant- {mm {as smaani-zaftha Rimes! human and
w?i am-?tsa-si?aranaa ta. my unpaid F?asipai, and Mamas-will aim-is an this amemsaa
at the stigma wares: rat-am Ear sagas mania as tha mummy Wm is git-sale: man" this News:
90%th Nata'?amamai assay-the amass mamas; a'F?scipaf ass-cam sf the was.

Limit asst}: ism-assedaaisn?aiv Payment 

h?y'anaagd Fascism ass sass: sxcsad a maximum atria?um aqua; is 12353? at ma p?naipaa
ammfa?gina? barrawad. is tha even: my unpaid Panama: wows assasd- as: MW
win- begin: paying a new marital); 939mm anti? ass mast Payment {Eats
s-ammasaiag {ha 713% ms: paymani Ei-m?ta?sm The saw mamm gasses: wi? bass
.amanmwhissjsauis as saf?siaai :to. away my them unpaid'p?scipai in fan. as the maturity data at my
marast'tata is mam prim ts the-payment: tins data squat aaymamjs

R?q?im Fuit Maamzty Faymaat

an. ins F23 Fm asst-assay at the due sage In? the first was; payment; ass art-that same
day. was? 'yaa?hama?ar, the aaymem was adiujsasd W?haui ragarti is {his
swam asp- lim?a?m in 'Saaglanamo 

matisa-af'ehangas 

??le {We Haste: as: sailivamr was is me a nmiaa sf any aha-ages faiths. swam 91' my manihly
payment bafars ma. ra?mka' data at anyahanga. The mass win insignia infoma?mt massed syriaw
ta'aag?W ma amt! alas mass was mama rim Of- a yams was straws: may quas?ans :3
may sass ragardi?g ma names;

 

am {a assi- raga 3 mamasma?sms as;
Pagaaz sf 25 
NW 533% "assassins ?anaeafad 

miss

(tit Bottom to Motto A?ismouoe

it tot any rassos mots Hester foito to motto as to site interest rst?e? or pessimist amount
so demoed to this Hots. regardless pi any noses minimises: some that tests Holder may, tipi'tt?i
oisumt?y of stick istturs then matte the seismmest so if they host soon mess on time .i .otso spies-
not to host Note tsetse: for any domags; to so?: waists may rssutt {mm Note Homer's
tenors to mm the smoothest and to tot toe Note asides. at its amiss. eppiy- sny moses mosses-
woos tipsy hove pets to pesisi prepayment of onsets ?Prinsips! 

a moose so. THE ?it s. psosmoms mosses" its; 
bastion ?is of tits Sepsis}: is amended to road so mitosis: 

Psopesy s; misses: in astrower its uses in tsis petition is-
misses: is tits Fmpetiy? moose esy iegst or bos??stst interest is the Possess. isoisoinp but
so: timed to; those steamboat istotosts transferred in to boost tot peso posses: tor seed
insisttmosi sates possess or escrow agreement the intent of times is tits booster of. one by
Bessemer at. at sites sets to, ifeit or soy post at the Pmpeiiy- or soy isteteot in tits-
Presets: is "pots or possesses {or ii a seso?sioi motes! is Bottoms is sets or sessioses. sod
sorrows is sat a peters: poison) without Lender?s pom writtes sonsost Li's-seer may respite
is istt of sit; some oossred by tote assetsy mommies! testimonies tots amiss
shsii not be ssorstoso by Lessor it expose ts prohibits: sy Appiisebis Low some: sites shall
not exercise sits. option if: Bottoms causes to its messes to Lesser Matisse
by bosses to ovsisste the istes?eci transferee so it a pest toss were being mess to toe
sens-terse; (it; spotter mossoebiy determines the: imports wit: sot be impaired by tits
toss soiumotiss sort that the risk of biosph- at say semesters or osteomots is this Sammy
"Agreement or ethos rotated to the state or sitter teen sosomsst is to:
Lesser is} Assumisp petty assesses Assumption spreemsst ecosystems to Leader at its sets.
photos emi- sissretion wisps immerses: may issiucio an increase to ass as set ions ssiew ass
to) pf- Assumption Fee if mommies by Lessor

To the exists pops toes by sweats: Lam Lessor may choose ressonobto fee. so 
sopdition to boosters {toppers to the toss assumption and Lesser. may increase the estimators
Esteyoet rat's spit-t to the. steps of. tits cop or 5 psisentops ?points pte?ator than this interest rate

softest st tso time of tits- transfer Lesser may stop seniors the to sips so
agreement that is economists to Lender one toot mitoses the penetrates to seep sit
tits promises sits apresstests mods to the Nets esp in this posterity toetrsmest Estimator mitt
costioeo to so onset tits Nets end- this Ssoteiiy Somerset-ti untoss Lesser has. spies-?36
tots poison assumption agreement with transferee" esp iossatty Sssowet

 

pessimism} Page 4 its mossessmsesusoi s}
Book217?3fpsp6772 Page 23 of 25
estimates: Swab Psps?oiz? some spasm prism: osmosis it most

90C: mesons

if Lamar emmhas this lamina. Lendcr shah give 5mm: amine a? mimm ??re
which shat: gimme a pariah of that {355 than 39 days ham-hie date? ma mach h; gm in
haw-dame. with hackihh' is within which 30m: must pay ail hams sccumh by this gammy 
if fails my ihese- grim? in the; hmirh?ah hi this which. Lemar
may ?with 3M mmechs'mmeh ibis Sawm? withcm furihar-mhch hr

 


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Page 24 5f 25 
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MEEMEE. Edged odd Exams? madmd Ed;
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EXHIBIT 

MW By: Wines:

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. CFH e?ld?e?7?ll
?m?e :33 hem: Wm
ems-?33523 muhhsh use-smog:
Pal? Boson Florida
shoe-es 1h Backs. 3:331: smhmam
Pg (ma; use:
7W4

 

R311 VALUE RECEEVEB, tithh mdemigneaiassighoe (?Assim?gwheso mm is Polaris Parkway, '{Z?i?ambnso
hhr?hby gem bargain, 3312,, 'mign, Music: and Gamay- the the faiiawing mis?ts: (?j?Assfigxzh?h Ufa-.7
Bank Regions! Asma?m- as Trustee, smasher in mews: $913323: of Nazism; Asshoie?on ?es Trustee: as?
seesaw by magmas Lasa?a ?ank, Na?mal Associatim as ?mates for Wa?iu Mar-{gage Phase?mugh {fammatos

stories him-Go's: hoes: whosessoress is 7990 meme MC halos, LA. 2:12:32:

cf Assignos?s right; titie and interest hene?gcisl imam nation a Wu. Mo?gage, dated Mara 13, 296?, made moi
exemto? by 'Ief?ey-VMLS?fhkih? and Tanya 3L. ta Washingtan?Mumli ?ank FA, mar?e?- no Jane 1, Eii??fin'
Gf?cihi Emms?ookzl-?IQS eh'Page 755, ?fties M?c?m ofPaim Beach Comm Residue

This assignment isms: MW them to Assighot and wi?wut representa??n m? warranty shy, Assighmo shipment
imegiie? . .

. . ., 
Wagon Chase-Bank Nmimal ass-chiming massage}: in Mamet by
:7:me the F2313 as-?thesvhr afWasizingmn Max:232 Bank 
Wgshiugmn Mn?ml'?i?nko Fi?

hem on nigh;
sT?Jr?mm . 5km?) M?wt?? \mc?reshdm-

ammo}: 

 

   

 
 

The mm, a eukarypub?e in and far-tho; Wwa?i? County mg 3mg! ?10565 h?-Eeby
wk?we?sem case. day see. see so: heme, -

     
 

 
 

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BmkE?U??i/Pages Page 3' 0f1- 
Nun-.Cim assess. page 


 

EXHIBIT 

 

 

LOAN MODIFICATION AGREEMENT

This Loan Modi?cation Agreement (?Agreement") is effective February 1, 2016, between JEFFREY ("Borrower") and
Select Portfolio Servicing, lnc., acting on behalf of the owner of the Note, ("Lender"). ii Borrower's representations and cayenants
in Section 1 continue to be true in ail material respects, then this Agreement will amend and supplement, as set forth in Section
2, the Note made by the Borrower, dated April 13. 200?, in the original principal sum of $2,160,400.00 The Mortgage or
Dead of Trust (?Security instrument?), which was entered into as security for the Note, encumbers the real and personal property
described in the Security instrument (de?ned in the Security Instrument as the ?Property"), known as:

3465 SANTA BARBARA DR
WELLINGTON. FL 33414

The Note and Security instrument are collectively referred to in this Agreement as the ?Loan Documents.?

1. Borrower Representations and Covenants. Borrower certi?es. represents, covenants, and agrees as follows:

a. Borrower is experiencing a ?nancial hardship, and as a result. is in default under the Note or default is imminent. and
(ii) Borrower does not have suf?cient income or access to suf?cient liquid assets to make the mortgage payments
now or in the near future.

b. There has been no impermissible change in the ownership of the Property since Borrower signed the Note.?
c. if requested by Lender, Borrower has provided documentation for all income that they receive.

d. All documents and information Borrower has provided to Lender in connection with this Agreement, including the
documents and information regarding eligibility for this Agreement, are complete, true and correct.

a. Borrower has made or will make payments required under atrial modi?cation plan or loan workout plan, if applicable.

f. The property is neither in a state of disrepair, nor condemned.

2. The Modi?cation. if Borrower?s representations and covenants in Section 1 continue to be true in all material respects and all
preconditions to the modi?cation set forth in Section 2 have been met, the Loan Documents will automatically become
modi?ed on February 1, 2016 (the ?Modi?cation Effective Date?) and all late charges that remain unpaid will be waived.
Borrower understands that if they fail to make any payments as a precondition to this modi?cation under a workout plan or
trial modi?cation plan, this modi?cation will not take effect. The ?rst modi?ed payment will be due on March 1, 2016.

a. The Maturity Data will be: May 1, 203?.

b. The modi?ed principal balance of the Note will inciude all amounts and arrearages that will be past due as of the
Modi?cation Effective Date (including unpaid and deferred interest, fees. escrow advances and other costs, but excluding
unpaid iate charges, collectively, ?Unpaid Amounts") less any amounts paid to the Lender but not previously credited to
the account associated with the Note. The new principal baiance of the Note will be $2,916,369.04 (the ?New Principal
Baiance"). Borrower understands that by agreeing to add the Unpaid Amounts to the outstanding principal balance, the
added Unpaid Amounts accrue interest based on the interest rate in effect under this Agreement. Borrower also
understands that this means interest will now accrue on the unpaid interest that is added to the outstanding principal
balance, which would not happen without this Agreement.

c. $405,200.00 of the New Principal Balance shall be deferred (the ?Deferred Principal Balance") and wiil be treated as a
non-interest bearing principal forbearance. Borrower wiil not pay interest or make payments on the Deferred
Principal Balance. The New Principal Balance less the Deferred Principai Balance shail be referred to as the ?Interest
Bearing Principal Balance? and this amount is $2,511,169.04. interest at the rate of 2.000% will begin to accrue on the
interest Bearing Principal Balance as of February 1, 2016 and the ?rst new monthiy payment on the interest Bearing
Principal Balance will be due on March 1, 2016. The payment schedule for the modi?ed Lien Documents is as foilows:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Months Interest interest Rate Estimated Total 3 Payment Begins Number of
Rate Change Date PrinCipai I On 
:and interest Escrow Payment' i Payments
i Payment Payment 5
i Amount Amount? i
1 - 60 2.000% February 1, 2016 82.57046. 510.1?4025 March t. 2016 60
may adjust may adjust
periodically periodically
61 - 72 3.000% February 1. 2021 $8.83462 52,570.46 811.405.08 March 1.2021 12
7?3 255 3.750% February 1. 2022 $9,799.89 $2,570.46 $12,370.35 March 1. 2022 183
. i
A final balloon payment on the interest Bearing Principal Balance of$1.581.848.52 is due on the

 

. Maturity Date.

 

 

 

 

The Deferred Brincipai Balance of 340520000 wil be due as
Bearing Principal Balance. transfer of the property or on
shall supersede any provisions to the contrary in the 

adjustable or step interest rate.

*The escrow payments may be adjusted periodically in accordance with applicable law and therefore the total 

payment may change accordingly.

The above terms in this section 2.c shall

 

 

BALLOON NOTICE. THE TERM OF THE LOAN I

BE REQUIRED TO REPAY THE ENTIRE PRINCIPAL BALANCE
NO OBLIGATION TO RE
OF
LOAN OUT OF ASSETS THEY OWN. 
REFINANCE THE LOAN. ASSUMING ANOTHER LEN

THE MATURITY DATE. LENDER HAS
PRINCIPAL BALANCE, AT THE END

Borrower has agreed to establish an escrow account to
escrow payment in the initial amount of $2.5m.

escrow will therefore be equal to 810174.92. Borrower acknowied

taxes are determined by the state taxing authorities and inso

time to time. Borrower will be noti?ed of any changes.

3. Other Agreements. Borrower and Lender also agree to the following:

a. This Agreement shall supersede any modification, forbearance
previously entered into with Lenderernu 

b. The Security Instrument and Note. as modified by this A
accordance with their terms and are hereby reaffirmed.

c. All terms of the Security instrument and Note. exce

Code. remain in tuli force and effect Nothin

reiease in whole or in part of

d. Borrower will be bound by and comply with all co

Agreement and the Security Instrument.

Security Instrument.

including all requirements
assessments, escrow items. impounds. and all other payments that th

FINANCE TH
TERM. THEREFORE. BORROW
BORROW

46. Borrower'

supersede any provisions to the contra
not limited to. provisions for an adjustable. step or simple interest rate. inter
the full amount of Principal has been paid. Borrower will pay interest at a year

pt as expressly modi?ed by this A
in this Agree
the obligations contained in th

a balloon payment on the earlier of. payoff of the interest
the Modi?ed Maturity Date. The above terms in this Section 2.c
oan Documents. including but not timited to. provisions for an

ry in the Loan Documents. inciuding but
est will be charged on unpaid principal until
iy rate of 2.000%.

480 MONTHS. AS A RESULT. BORROWER WILL
AND ACCRUED INTEREST THEN OWING ON
IS LOAN. INCLUDING THE DEFERRED
ER MAY BE REQUIRED TO REPAY THE
ER MAY HAVE TO FIND ANOTHER LENDER TO
DER THIS LOAN AT MATURITY. BORROWER
PREVAILING AT THAT TIME AND SUCH RATES MAY BE
NOTE. BORROWER MAY ALSO HAVE TO PAY SOME OR ALL
ITH A NEW MORTGAGE LOAN.

pay for property taxes and homeowner?s insurance and pay a
3 total payment of principal. interest and
ges that the payments attributable to insorance and
rance companies and therefore. are subject to change from

trial period plan. or other workout
5; 7321.111 {alga CF m:

plan that Borrower
,4an 11v} WI r34?; 

 

greernent. are duly valid. binding agreements. enforceable in

greement. or by the US. Bankruptcy
ment shall be understood or construed to be a satisfaction or
Note and Security Instrument.

venants, agreements. and requirements of the Note as modi?ed by the
to make payments of taxes. insurance premiums.
Borrower is obligated to make under the Note and

 

 

 

e. if any document is lost, misplaced. misstated or inaccurately re?ects the true and correct terms and conditions of the Loan
Documents as amended by this Agreement, within ten (10) days after receipt of the Lender's request, Borrower will
execute. acknowledge. initial, and deliver to the Lender any documentation the Lender deems necessary to replace or
correct the lost, misplaced, misstated or inaccurate documentls). If Borrower fails to do so, Borrower will be liable for any
and all loss or damage which the Lender reasonably sustains as a result of Borrower?s failure. At Lender?s option, this
Agreement will be void and of no legal effect upon notice of such loss, misplacement, misstatement, or inaccuracy. It
Borrower elects not to sign any such corrective documentation, the terms of the original Loan Documents shall continue in
full force and effect, such terms will not be modi?ed by this Agreement, and Borrower will not be eligible for a modi?cation.

f. Th omeinsurance premiums fro arrowerrmo, new hich wer ma quest anceliatio 
to gan- ran. . ay ?ceasaresult -- NewP pal Balance.

9. As of the Modi?cation Effective Date. notwithstanding any other provision of the Loan Documents, Borrower agrees as
follows: if all or any part of the Property or any interest in it is sold or transferred without the Lender's prior written
consent, the Lender may, at its option, require immediate payment in full of all sums secured by the Mortgage. However,
the Lender shatl not exercise this option if federal law prohibits the exercise of such option as of the date of such sale or
transfer. if the Lender exercises this option, the lender shall give borrower notice of acceleration. The notice shall provide
a period of not less than thirty (30) days depending on state law and other requirements from the date the notice is
delivered or mailed within which Borrower must pay all sums secured by the Mortgage. If Borrower faiis to pay these
sums prior to the expiration of this period, the Lender may invoke any remedies permitted by the Mortgage without further
notice or demand on the Borrower.

h. As of the Modi?cation Effective Date, a buyer of the Property will not be permitted, under any circumstance, to assume
the Loan. in any event. this Agreement may not be assigned to, or assumed by, a buyer of the Property.

i. All payment amounts speci?ed in this Agreement assume that payments will be made as scheduled.

j. if Borrower is in bankruptcy upon execution of this document, Borrower will cooperate fuiiy with Lender in obtaining any
required bankruptcy court and trustee approvals in accordance with local court rules and procedures. Borrower
understands that if such approvals are not received, then the terms of this Agreement will be null and void. If this
Agreement becomes null and void, the terms of the original Loan Documents shall continue in foli force and effect, and
such terms shall not be modi?ed by this Agreement.

k. If Borrower(s) received a discharge in a Chapter bankruptcy subsequent to the execution of the Loan Documents,
Lender agrees that such Borrowerls) will not have personal liability on the debt pursuant to this Agreement.

I. in agreeing to the changes to the original Loan Documents as reflected in this Agreement, Lender has relied upon the
truth and accuracy of all of the representations made by Borrower(s), both in this Agreement and in any documentation
provided by or on behaif of Borrowerfs) in with this Agreement. if Lender subsequently determines that such
representations or documentation were truthful accurate, Lender may, at its option, rescind this Agreement and
reinstate the originat terms of th Loa ocuments '5 if this Agreement never occurred.

as of the Effective Date.
. gag/s

Borrower Signature: 7 Date:

      
  
    
 

The Borrower(s) and Lender have 

 

 

 

 

Borrower Signature: Date:
Select Portfolio Servicing, Inc. (On behalf of Lender): Date:

Kramer} to mass sit-rose mw TM memm

3 MR 152915

 

 

 

Notice of Special Flood Hazards and Availability of Federal Disaster Relief Assistance
for National Flood Insurance Program Particigating Communities

 

Customer Name:

JEFFREY 

525 FLAGLER DR STE 50
WEST PALM BEACH, FL 33401

Dear Homeowneds):
Select Portfolio Servicing, lnc. (SP8) is giving you this notice to inform you that:
The building or mobile home securing the loan for which you applied is or will be located in an area with special ?ood hazards.

The area has been identi?ed by the Administrator of the Federal Emergency Management Agency (FEMA) as a special ?ood
hazard area using FEMA's Flood insurance Rate Map or the Flood Hazard Boundary Map for the following community: 120192.
This area has a one percent chance of a flood equal to or exceeding the base ?ood elevation (31 100~year ?ood) in any given
year. During the life of a SOwyear mortgage loan, the risk of a lilo-year ?ood in a special ?ood hazard area is 26 percent 

Federal law allows a lender and borrower jointly to request the Administrator of FEMA to review the determination of whether the
property securing the loan is located in a special ?ood hazard area. If you would like to make such a request, please contact us for
further information.

- The community in which the property securing the loan is located participates in the National Flood Insurance Program
(NFIP). Federal law will not allow us to make you the loan that you have applied for if you do not purchase ?ood
insurance. The ?ood insurance must be maintained for the life of the loan. If you fail to purchase or renew ?ood insurance
on the property, Federal law authorizes and requires us to purchase the ?ood insurance for you at your expense.

- At a minimum. ?ood insurance coverage purchased must be in an amount equal to the lesser of:

1. The outstanding principal balance of all loans scoured by the property (for home equity line(s) of credit, the full value of
the credit line(s)); or

2. The full insurable value of the buildings on the property and their contents if also taken as collateral; or
3. The maximum amount of coverage available under the NFIP policy covering the type of building or collateral.

Flood insurance coverage under the NFIP is limited to the building or mobile home and any personal property that secures your
loan and not the lend itself.

. Federal disaster relief assistance (usually in the form of a low-interest loan) may be available for damages incurred in
excess of your ?ood insurance if your community's participation in the NFIP is in accordance with requirements.

. Although you may not be required to maintain ?ood insurance on all structures, you may still wish to do so, and your
mortgage lender may still require you to do so to protect the collateral securing the mortgage. if you choose not to
maintain ?ood insurance on a structure and it ?oods. you are responsible for all ?ood tosses relating to that structure.

Limitations: if the property is located in a community that participates in the NFIP but the property is also located in a Coastal
Barrier Resource System (CBRS) or Otherwise Protected Area (OPA), coverage may not be available. Rater to the
Standard Flood Hazard Determination Form or contact your licensed ?ood insurance professional to see if your property is in a
CBRS or GPA, and it so, whether coverage under the NFIP or under a non-NFlP policy issued by a private insurance company is
available.

Availability of Private Flood insurance Coverage

Flood insurance coverage under the NFIP may be purchased through an insurance agent who will obtain the policy either directly
through the or through an insurance company that participates in the NFIP. Flood insurance that provides the same level of
coverage as a standard flood insurance policy under the NFIP may be available from private insurers that do not participate in the
You should compare the ?ood insurance coverage. deductibles, exclusions, conditions. and premiums associated with ?ood
insurance policies issued on behalf of the NFIP and policies issued on behalf of private insurance companies and contact an
insurance agent as to the availability, cost, and comparisons of flood insurance coverage.

 

 

 

 

 

Escrow Requirement for Residential Loans

Federal law may require a lender or its servicer to escrow all premiums and fees for flood insurance that covers any residential
building or mobile home securing a loan that is located in an area with special ?ood hazards. if your Fender noti?es you that an
escrow account is required for your loan, then you must pay your ?ood insurance premiums and fees to the tender or its servicer
with the same frequency as you make loan payments for the duration of your loan. These premiums and fees will be deposited in
the escrow account. which will be used to pay the ?ood insurance provider.

  
    
   

Acknowledgement by Borrower(s)

Borrowertsj agrees to furnish. at Borrower(s) exp

. i a insurance policy satisfying Lender's requirements on or before
c?osmg of the above referenced loan and meal

of these notices is hereby acknowledged.
Dare gig/Ar,

Borrower Signature . Date

Borrower Signature

 

JEFFREY 

 

 

 

 

LOAN MODIFICATION AGREEMENT

This Loan Modi?cation Agreement (?Agreement?) is effective February 1, 2016, between JEFFREY SISKINB, (?Borrower") and
Select Portfolio Servicing, lnc.. actin on behalf of the owner of the Note, if Borrowers representations and covenants
in Section 1 continue to be true in materiat respects, then this Agreement will amend and supplement, asnset forth in Section
2, the Note made by the Borrower, dated Aprii 13, 2007, in the original principal sum of $2,160,400.00 (?Note The Mortgage or
Dead of Trust ("Security Instrument?), which was entered into as security for the Note, encumbers the real and personal property
described in the Security instrument (de?ned in the Security Instrument as the ?Property?), known as:

3465 SANTA BARBARA DR
FL 33414

The Note and Security Instrument are collectively referred to in this Agreement as the ?Loan Documents.?

1. Borrower Representations and Covenants. Borrower certi?es, represents, covenants. and agrees as follows:

a. Borrower is experiencing a ?nancial hardship, and as a result, is in default under the Note or default is imminent, and
(ii) Borrower does not have suf?cient income or access to suf?cient liquid assets to make the mortgage payments
now or in the near future.

b. There has been no impermissible change in the ownership of the Property since Borrower signed the Note.
c. if requested by Lender, Borrower has provided documentation for all income that they receive.

d. Ail documents and information Borrower has provided to Lender in connection with this Agreement, inciuding the
documents and information regarding for this Agreement. are complete, true and correct.

e. Borrower has made or will make all payments required under atrial modi?cation plan or loan workout plan. if appiicable.

f. The property is neither in a state of disrepair, nor condemned.

2. The Modi?cation. lf Borrower?s representations and covenants in Section 1 continue to be true in all material respects and all
preconditions to the modi?cation set forth in Section 2 have been met, the Loan Documents will automatically become
modi?ed on February 1, 2016 (the ?Modi?cation Effective Date") and all iate charges that remain unpaid will be waived.
Borrower understands that if they fail to make any payments as a precondition to this modi?cation under a workout plan or
trial modi?cation plan, this modification will not take effect The ?rst modi?ed payment will be due on March 1, 2016.

a. The Maturity Date wili be: May 1, 2037.

b. The modi?ed principal balance of the Note wiil include all amounts and arrearages that will be past due as of the
Modi?cation Effective Date (inctuding unpaid and deferred interest, fees, escrow advances and other costs, but excluding
unpaid late charges, collectively. ?Unpaid Amounts?) less any amounts paid to the Lender but not previously credited to
the account associated with the Note. The new principal balance of the Note wiil be $2,916,369.04 (the ?New Principal
Balance"). Borrower understands that by agreeing to add the Unpaid Amounts to the outstanding principal balance, the
added Unpaid Amounts accrue interest based on the interest rate in effect under this Agreement. Borrower also
understands that this means interest will now accrue on the unpaid interest that is added to the outstanding principal
balance, which wouid not happen without this Agreement.

c. $405,200.00 of the New Principal Balance shall be deterred (the ?Deferred Principal Balance") and will be treated as a
non-interest bearing principal forbearance. Borrower will not pay interest or make pa ments on the Deferred
Principal Balance. The New Principal Balance less the Deferred Principal Balance shall be re erred to as the ?Interest
Bearing Principe! Balance? and this amount is $2,511,169.04. Interest at the rate of 2.000% will begin to accrue on the
interest Bearing Principal Balance as of February 1, 2016 and the ?rst new payment on the Interest Bearing
Principal Balance will be due on March 1, 2016. The payment schedule for the modi?ed Lien Documents is as foliows:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Months interest Interest Rate Estimated Total Payment Begins Number of
Rate Change Date Principal 0n 
and interest Escrow Payment* Payments
Payment Payment
Amount Amount?
1 - 60 2.000% February 1.2015 $7,604.46 $2,570.46, $10,174.92, March 1. 2016 60
may adjust may adjust
periodically periodically
51 - 7'2 3.000% February 1, 2021 $8,834.62 $2,570.46 $11,405.08 March 1, 2021 12
73 - 255 3.750% February 1, 2022 $9,799.89 $2,570.46 $12,370.35 March 1, 2022 183
A final balloon payment on the Interest Bearing Principal Balance of $1,581,848.62 is due on the
Maturity Date.

 

 

 

The Deferred Principal Balance of $405,200.00 will be due as a balloon payment on the earlier of, payoff of the Interest
Bearing Principal Balance, transfer of the property or on the Modi?ed Maturity Date. The above terms in this Section 2.c
shall supersede any provisions to the contrary in the Loan Documents, including but not limited to. provisions for an
adjustable or step interest rate.

?The escrow payments may be adjusted periodically in accordance with applicable law and therefore the total 
payment may change accordingly.

The above terms in this section 2.0 shall supersede any provisions to the contrary in the Loan Documents. including but
not limited to, provisions for an adjustable, step or simple interest rate. Interest will be charged on unpaid principal until
the full amount of Principal has been paid. Borrower will pay interest at a yearly rate of 2.000%.

BALLOON NOTICE. THE AMORTIZATION TERM OF THE LOAN IS 480 MONTHS. AS A RESULT, BORROWER WILL
BE REQUIRED TO REPAY THE ENTIRE PRINCIPAL BALANCE AND ANY ACCRUED THEN OWING ON
THE MATURITY DATE. LENDER HAS NO OBLIGATION TO REFINANCE THIS LOAN. INCLUDING THE DEFERRED
PRINCIPAL BALANCE. AT THE END OF TERM. THEREFORE. BORROWER MAY BE REQUIRED TO REPAY THE
LOAN OUT OF ASSETS THEY OWN, 0R BORROWER MAY HAVE TO FIND ANOTHER LENDER WILLING TO
REFINANCE THE LOAN. ASSUMENG ANOTHER LENDER REFINANCES THIS LOAN AT MATURITY. BORROWER
MAY BE CHARGED INTEREST AT MARKET RATES PREVAILING AT THAT TIME AND SUCH RATES MAY BE
HIGHER THAN THE INTEREST RATE PAID ON THE NOTE. BORROWER MAY ALSO HAVE TO PAY SOME OR ALL
OF THE CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW MORTGAGE LOAN.

Borrower has agreed to establish an escrow account to pay for property taxes and homeowner?s insurance and pay a
escrow payment in the initial amount of $2,570.45. Borrower?s total payment of principal, interest and
escrow will therefore be equal to $10,174.92. Borrower acknowledges that the payments attributable to insurance and
taxes are determined by the state taxing authorities and insurance companies and therefore, are subject to change from
time to time. Borrower will be noti?ed of any changes.

3. Other Agreements. Borrower and Lender also agree to the following:

a.

b.

This Agreement shall supersede any modi?cation, forbearance, trial period plan. or other workout plan that Borrower
previously entered into with Lender.

The Security instrument and Note, as modi?ed by this Agreement, are duly valid, binding agreements. enforceable in
accordance with their terms and are hereby reaf?rmed.

All terms of the Security Instrument and Note, except as expressly modi?ed by this Agreement. or by the US. Bankruptcy
Code. remain it"l full force and effect. Nothing in this Agreement shall be understood or construed to be a satisfaction or
release in whole or in part of the obligations contained in the Note and Security instrument.

Borrower will be bound by and comply with all covenants. agreements, and requirements of the Note as modi?ed by the
Agreement and the Security Instrument, including ail requirements to make payments of taxes, insurance premiums,
assessments, escrow items. impounds. and all other payments that the Borrower is cbiigated to make under the Note and
Security instrument.

I A)

 

 

If any document is lost, misplaced. misstated or inaccurately re?ects the true and correct terms and conditions of the Loan
Documents as amended by this Agreement, within ten (10) days after receipt of the Lender?s request, Borrower 
execute, acknowledge. initial, and deliver to the Lender any documentation the Lender deems necessary to replace or
correct the lost, misplaced, misstated or inaccurate document(s). If Borrower fails to do so. Borrower writ be liable for any
and all less or damage which the Lender reasonably sustains as a result of Borrower?s failure. At Lenderts optron, this
Agreement will be void and of no legal effect upon notice of such loss, misplacement, misstatement, or inaccuracy. _lf
Borrower elects not to sign any such corrective documentation, the terms of the original Loan Documents shall continue rn
full force and effect, such terms will not be modi?ed by this Agreement, and Borrower will not be eligible for a modification.

The mortgage insurance premiums due from Borrower, if applicable, may increase as a result of the capitalization, which
will result in a higher total payment. Furthermore, the date on which Borrower may request cancellation of
mortgage insurance may change as a result of the New Principal Balance.

As of the Modi?cation Effective Date, notwithstanding any other provision of the Loan Documents. Borrower agrees as
follows: if all or any part of the Property or any interest in it is sold or transferred without the Lender's prior written
consent, the Lender may, at its option, require immediate payment in full of all sums secured by the Mortga e. However.
the Lender shall not exercise this option if federal law pro ibits the exercise of such option as of the date 0 such sale or
transfer. lithe Lender exercises this option. the lender shall give borrower notice of acceleration. The notice shall provide
a period of not less than thirty (30) days depending on state law and other requirements from the date the notice is
delivered or mailed within which Borrower must pay all some secured by the Mortgage. if Borrower fails to pay these
sums prior to the expiration of this period, the Lender may invoke any remedies permitted by the Mortgage without further
notice or demand on the Borrower.

. As of the Modi?cation Effective Date, a buyer of the Property will not be permitted, under any circumstance, to assume
the Loan. In any event, this Agreement may not be assigned to, or assumed by. a buyer of the Property.

All payment amounts speci?ed in this Agreement assume that payments will be made as scheduled.

if Borrower is in bankruptcy upon execution of this document, Borrower will cooperate fully with Lender in obtaining any
required bankruptcy court and trustee approvals in accordance with local court rules and procedures. Borrower
understands that if such approvals are not received. then the terms of this Agreement will be null and void. if this
Agreement becomes null and void, the terms of the original Loan Documents shall continue in full force and effect, and
such terms shail not be modi?ed by this Agreement.

If Borrowerls) received a discha in a Chapter 7 bankruptcy subsequent to the execution of the Loan Documents,
Lender agrees that such Borrower 5) will not have personal liability on the debt pursuant to this Agreement.

In agreeing to the changes to the original Loan Documents as reflected in this Agreement, Lender has relied upon the
truth and accuracy of all of the representations made by Borroweds), both in this Agreement and in any documentation
provided by or on behalf of Borrower(s) in connection with this A reernent. If Lender subsequently determines that such
representations or documentation were not truthful or accurate, ender may, at its option. rescind this Agreement and
reinstate the original terms of the Loan is as if this Agreement never occurred.

   

 

 

 

 

 

The Borrower(s) and Lender have Agreeme as of the Effective Date.

just-M
Borrower Signature: Date:
Borrower Signature: Date:
Select Portfolio Servicing. Inc. (On behalf of Lender): Date:

 

 

255:1..ng
.
SEIWICINGE ism



March 10, 2017

 

 

JEFFREY SISKIND
3465 SANTA BARBARA DR
WELLINGTON, FL 33414

 

PLEASE READ THIS NOTICE CAREFUM. TAKE ACTION TO AVOID THE LOSS OF YOUR PROPERTY.
NOTICE OF DEFAULT - RIGHT TO CURE

Account Number:
Property Address: 3465 SANTA BARBARA DR
FL 33414

Dear Customer(s):

The mortgage loan on your property is in default as a result of your failure to make payments as required by the Note
and Deed of Trust or Mortgage (Security Instrument). We have previously sent you ietters and communications
regarding this default in an attempt to resolve this matter. This letter provides information about the default and what
rights you have to cure the default. Seiect Portfoiio Servicing, Inc. (SPS) services your mortgage loan and has been
instructed on behalf of the hoider of the promissory note to pursue remedies under the Security Instrument uniess you
take action to cure the default before the Cure Date shown below. The Noteholder on your Loan is US. Bank NA,
successor trustee to Bank of America, NA, successor in interest to LaSalle Bank NA, as trustee, on behalf of the
holders of the Mortgage Pass-Through Certificates, Series (c/o SPS, PO Box 65250 Salt Lake City,
84165-0250 .

This letter provides notice of the following:

The Default
You have failed to make payments under the Note and Security Instrument as shown below. This letter is a formal
demand for payment.

Action Required to Cure the Default
To cure this defauit, you must pay the Amount Required to Cure together with payments which may subsequently
become due, on or before the Cure Date listed below.

Amount Required to Cure the Default
As of the date of this letter, the total amount due and required to cure the default on your loan is $61,902.36 (Amount
Required to Cure) as itemized below:

 

 
   

Payment due for October 1, 2016 61,522.14

Total amount due inciudes Escrow Payments (Taxes/Insurance) of 649.23

ccrued Late Charges 380.22
Advances made on Customer?s behalf 0.00
Escrow advance balance (Deficit) 0.00

Total Amount Outstanding 61,902.36
Unapplied balance 0.00

 

 

 

 

Additional payments may become due between the date of this letter and the Cure Date. If you wish to cure the
default after those payments become due, they should be added to the Amount Required to Cure. You have thirty (30)
days from the date of this notice to pay the Amount Required to Cure. This Cure Date is April 9, 2017. Fees and other
charges may continue to be assessed to your account after the date of this letter pursuant to the terms of the Security
Instrument. In addition, there may be other fees, escrow advances or corporate advances that SPS paid on your
behalf or advanced to your account not itemized in this letter. While these amounts are not required to cure the
payment default, you still owe these amounts. To obtain the amount required to bring the loan current, please contact
SP8 at our toll free number 800-635-9698.

SP8 is not waiving its right to demand that you pay these amounts at a later date. SP8 reserves the right to accept
one or more payments for less than the Amount Required to Cure, and such acceptance shall not be deemed a waiver
of any of its rights under the Security Instrument. This means, for example, if you send us a payment for less than the
Amount Required to Cure, we can apply this payment to the amount due and owing, and because the payment did not
cure the default, continue the process towards foreclosure. Piease be advised that our acceptance of any such partial
payment does not prejudice our right to refuse such payment or partial payment in the future.

Possible Consequences of Default

If SP8 does not receive the Amount Required to Cure by the Cure Date, or if some loss mitigation alternative to
foreclosure has not started, SPS may initiate foreclosure and require immediate payment in fuil of the entire
outstanding unpaid amount on the account. In other words, SP8 may accelerate all payments owing and sums
secured by the Security Instrument. If that happens, you may lose your home. A foreclosure will result in the
involuntary loss of the property via sale to the lender or another person may acquire the property by means of
foreclosure and sale, and you may be evicted. Once foreclosure is initiated, additional amounts for legal fees and
costs may be incurred. These sums can be significant. They may be added to amounts secured by the Security

Instrument, and they may be required to be paid, to the extent permitted by law, it you wish to reinstate or satisfy the
loan after foreclosure is initiated.

You have the right to cure after acceleration of your loan and commencement of foreclosure proceedings. If you meet
the conditions to reinstate, as provided in the Security Instrument, you may reinstate even after foreclosure has been
initiated but prior to sale. This means that once you have met the conditions, the enforcement of the Security
Instrument will be stopped and your Note and Security Instrument will remain, as if demand for payment in full had not
been made. You wilt have this right at any time before the earliest of: five days before sale of the property under
any power of sate granted by the Security Instrument; another period as applicable law might specify for the
termination of your right to have enforcement of the loan stopped; or a judgment has been entered enforcing your
Security Instrument. 8P8 requires that you pay reinstatement amounts in certified funds. Certified funds include a
bank wire, cashier?s bank check, attorney trust account check, title or escrow company check, oerestern Union Quick
Collect. Please contact SP8 at 800-635-9698 for instructions on submitting these funds. If you reinstate, the Security
Instrument shall remain fully effective as if no foreclosure action had started.

 

Payment Options
Piease provide payments to the foilowing address:

Sent via US Mail to: Sent via overnight courier to:
Select Portfolio Servicing, Inc. Select Portfolio Servicing, Inc.
PO Box 05450 Sait Lake City, UT 84165?0450 Attn: Remittance Processing

3217 S. Decker Lake Dr Salt Lake City, UT 84119

Payments may be submitted in the following forms:

Personal check

Money order

(0) Bank wire (electronic funds transfer). Please contact SP8 for the information necessary to complete a bank
wrre.

Certified check, bank check, treasurer?s check or cashier?s check, provided any such check is drawn upon
an institution whose deposits are insured by a federal agency.

(9) Western Union Quick Coliect. Reference the loan number above and deliver to Code City: Oswald, Code
State: UT.

In some circumstances, you may be able to submit a payment through EZ Pay by caliing 800-258-8602 or visiting our
website at Please remember that EZ Pay payments clear quickly, and you must have the
funds in your checking account process a payment. We will obtain your consent prior to
initiating payment and wili advise you of any fee for this service which may be up to $15.00.

You Have Options to Avoid Foreclosure!

SP8 is committed to home retention and offers many customer assistance programs designed to help customers
avoid foreclosure. These programs are offered at no cost to our customers and are designed to help preserve home
ownership or prevent foreclosure through structured repayment plans, special payment arrangements, modifications,
short settlements, and deed-in-lieu options, if you are eligible. If you would like to learn more about these programs,
you should immediately contact an SP8 representative at our toll-free number, 800-635-9698, or visit our website at
Our representatives are available by phone Monday through Thursday between the hours of 8
am. and 11 pm, Friday from 8 am. to 9 and Saturday from 8 am. to 2 pm, Eastern Time.

if we can reach an agreement to resolve your default, we will not proceed with and/or commence foreclosure,
as long as you comply with the agreement and make required payments.

Counseling

HUD approved home ownership counseling may be available to you. You should call 800-569-4287 or TDD
800-877-8339, or go to website at to find the HUD-approved housing
counseiing agency nearest you. You may be eiigible for assistance from the Homeownership Preservation
Foundation, which may be reached at the Homeowner?s HOPETM Hotline at (888-995-4673) or at
their website, or you may seek help from another non-profit foreclosure avoidance agency.

Servicemembers Civil Relief Act (SCRA)

SP8 is committed to home ownership assistance for active servicemembers and veterans of the United States
military. You may be entitied to certain protections under the federal Servicemembers Civil Relief Act (50 U.S.C. 3901
et seq.) regarding your interest rate and the risk of foreclosure if you are a servicemember or a dependent of a
servicemember. Counseling for covered servicemembers is available at agencies such as Military OneSource
(800-342-9647 or and Armed Forces Legal Assistance 
Note: your state may have more expansive eligibility criteria than below. Please contact us as soon as possible if you
have any questions or believe you may be eligible.

Eligible service may include, but is not limited to:

0 Regular members of the US. Armed Forces (Army, Navy, Air Force Marine Corps and Coast Guard), or
- Reserve and National Guard personnel who have been activated and are on Federal active duty, or

- Nationai Guard personnel under a call or order to active duty for more than 30 consecutive days under section
502(f) of title 32, United States Code, for purposes of responding to a national emergency declared by the

President and supported by Federal funds, or

- Active service members of the commissioned corps of the Public Health Service and the Nationai Oceanic and

Atmospheric Administration, or

- Certain United States citizens serving with the armed forces of a nation with which the United States is allied in

the prosecution of a war or military action.
Please send written notice of military service as soon as possible to:

Select Portfolio Servicing, inc.
PO Box 65250 Salt Lake City, UT 84165-0250

if you have questions regarding eiigibility and appiication requirements, please call us at 800458-8602.

Your Rights
If you wish to dispute your delinquency or amount required to Cure the Default, you may do so by providing a
written dispute to SP8 at the following address:

Select Portfolio Servicing, Inc.
PO Box 65277 Salt Lake City, UT 84165-0277

You may call Jennifer Batista at our toll free number 800-258-8602 to discuss your dispute. However, to
protect your rights under federal law, you will need to provide written notice to SP8 if you believe that your
dispute is unresolved.

You have the right to assert in the foreclosure proceeding the non-existence of a default or any other defense
you may have to acceleration and foreclosure.

You have options to avoid foreclosure. THE TIME TO ACT IS NOW. Please call us at 800-635-9698.
Sincerely,

Select Portfolio Servicing, inc.

Esta carta contiene informacion importante concerniente a sus derechos. Por favor, traduzca esta carta.
Nuestros representantes estan a su disposici?n para contestar cualquier pregunta. Llamenos al

numero 800-831-0118 seieccionelmarque Ia opcic?m 2.

This communication from a debt collector is an attempt to collect a debt and any information obtained will be

used for that purpose.

Minnesota - This collection agency is licensed by the Minnesota Department of Commerce
New York City - Collection Agency License 1170514

3 

 sewer-r
yeasts .. .
SE 

8,

March 10, 2017

 

I JEFFREY SISKIND
SUITE 500
525 FLAGLER DR
WEST PALM BEACH, FL 33401-0000

PLEASE REAQ THIS NOTICE CAREFULLY. ACTION TO AVOID THE LOSS OF YOUR 
NOTICE OF DEFAULT - RIGHT TO CURE

Account Number:
Property Address: 3465 SANTA BARBARA DR
WELLINGTON, FL 33414

Dear Customer(s);

The mortgage loan on your property is in default as a result of your failure to make payments as required by the Note
and Deed of Trust or Mortgage (Security Instrument). We have previously sent you letters and communications
regarding this default in an attempt to resolve this matter. This letter provides information about the default and what
rights you have to cure the default. Select Portfolio Servicing, Inc. (SPS) services your mortgage loan and has been
instructed on behalf of the holder of the promissory note to pursue remedies under the Security Instrument unless you
take action to cure the default before the Cure Date shown below. The Noteholder on your Loan is US. Bank NA,
successor trustee to Bank of America, NA, successor in interest to LaSalle Bank NA, as trustee, on behalf of the
holders of the Mortgage Pass-Through Certificates, Series (c/o SPS, PO Box 65250 Salt Lake City,
UT 84165?0250 .

This letter provides notice of the following:

The Default

You have failed to make payments under the Note and Security Instrument as shown below. This letter is a formal
demand for payment.

Action Required to Cure the Default

To cure this default, you must pay the Amount Required to Cure together with payments which may subsequently
become due, on or before the Cure Date listed below.

Amount Required to Cure the Default

As of the date of this letter, the total amount due and required to cure the default on your loan is $61,902.36 (Amount
Required to Cure) as itemized below:

 

 
   

Payment due for October 1, 2016 61,522.14

Tad?.

may! amount due includes Escrow Payments (Taxes/insurance) of 649.23

Accrued Late Charges 380.22
Advances made on Customer?s behalf 0.00
Escrow advance balance (Deficit) 0.00

Total Amount Outstanding 61,902.36
Unapplied balance 0.00

 

 

 

 

Additional payments may become due between the date of this letter and the Cure Date. if you wish to cure the
default after those payments become due, they should be added to the Amount Required to Cure. You have thirty (30)
days from the date of this notice to pay the Amount Required to Cure. This Cure Date is April 9, 2017. Fees and other
charges may continue to be assessed to your account after the date of this letter pursuant to the terms of the Security
instrument. In addition, there may be other fees, escrow advances or corporate advances that SPS paid on your
behaif or advanced to your account not itemized in this letter. While these amounts are not required to cure the
payment default, you still owe these amounts. To obtain the amount required to bring the loan current, please contact
SPS at our toll free number 800?635-9698.

SP8 is not waiving its right to demand that you pay these amounts at a later date. SPS reserves the right to accept
one or more payments for less than the Amount Required to Cure, and such acceptance shail not be deemed a waiver
of any of its rights under the Security Instrument. This means, for exampie, if you send us a payment for less than the
Amount Required to Cure, we can apply this payment to the amount due and owing, and because the payment did not
cure the defauit, continue the process towards foreclosure. Please be advised that our acceptance of any such partial
payment does not prejudice our right to refuse such payment or partial payment in the future.

Possible Consequences of Default

If SPS does not receive the Amount Required to Cure by the Cure Date, or if some loss mitigation alternative to
foreclosure has not started, SPS may initiate foreclosure and require immediate payment in full of the entire
outstanding unpaid amount on the account. In other words, SPS may accelerate all payments owing and sums
secured by the Security Instrument. If that happens, you may lose your home. A foreclosure will result in the
involuntary loss of the property via sale to the lender or another person may acquire the property by means of
foreciosure and sate, and you may be evicted. Once foreclosure is initiated, additional amounts for legal fees and
costs may be incurred. These sums can be significant. They may be added to amounts secured by the Security

Instrument, and they may be required to be paid, to the extent permitted by law, if you wish to reinstate or satisfy the
loan after foreclosure is initiated.

You have the right to cure after acceleration of your loan and commencement of foreclosure proceedings. If you meet
the conditions to reinstate, as provided in the Security Instrument, you may reinstate even after foreciosure has been
initiated but prior to sale. This means that once you have met the conditions, the enforcement of the Security
Instrument will be stopped and your Note and Security Instrument wiil remain, as if demand for payment in fuli had not
been made. You witl have this right at any time before the earliest of: five days before sale of the property under
any power of sale granted by the Security instrument; another period as applicable law might specify for the
termination of your right to have enforcement of the loan stopped; or a judgment has been entered enforcing your
Security Instrument. SPS requires that you pay reinstatement amounts in certified funds. Certified funds include a
bank wire, cashier?s bank check, attorney trust account check, title or escrow company check, or Western Union Quick
Collect. Please contact SPS at 800-635-9698 for instructions on submitting these funds. If you reinstate, the Security
Instrument shall remain fully effective as if no foreclosure action had started.

 

 

Payment Options
Please provide payments to the following address:

Sent via US Mail to: Sent via overnight courier to:
Select Portfolio Servicing, Inc. Select Portfolio Servicing, inc.
PO Box 65450 Salt Lake City, UT 84165-0450 Attn: Remittance Processing

3217 S. Decker Lake Dr Salt Lake City, UT 84119

Payments may be submitted in the following forms:

Personal check

Money order

(0) Bank wire (electronic funds transfer). Please contact SP8 for the information necessary to complete a bank
wrre.

Certified check, bank check, treasurer?s check or cashier?s check, provided any such check is drawn upon
an institution whose deposits are insured by a federal agency.

(9) \?Vestern Union Quick Collect. Reference the loan number above and deliver to Code City: Oswald, Code

tate: UT.

In some circumstances, you may be able to submit a payment through EZ Pay by calling 800-258-8602 or visiting our
website at Please remember that EZ Pay payments clear quickly, and you must have the
funds in your checking account process a payment. We will obtain your consent prior to
initiating payment and will advise you of any fee for this service which may be up to $15.00.

You Have Options to Avoid Foreclosure!

SP8 is committed to home retention and offers many customer assistance programs designed to help customers
avoid foreclosure. These programs are offered at no cost to our customers and are designed to help preserve home
ownership or prevent foreclosure through structured repayment plans, special payment arrangements, modifications,
short settlements, and deed-inwlieu options, if you are eligible. If you would like to learn more about these programs,
you should immediately contact an SPS representative at our toll-free number, 800-635?9698, or visit our website at
Our representatives are available by phone Monday through Thursday between the hours of 8
am. and 11 pm, Friday from 8 am. to 9 pm, and Saturday from 8 am. to 2 pm, Eastern Time.

if we can reach an agreement to resolve your default, we will not proceed with and/or commence foreclosure,
as long as you comply with the agreement and make required payments.

Counseling

HUD approved home ownership counseling may be available to you. You should call 800?569-4287 or TDD
800-877-8339, or go to website at to find the HUD-approved housing
counseling agency nearest you. You may be eligible for assistance from the Homeownership Preservation
Foundation, which may be reached at the Homeowner?s HOPETM Hotline at (888-995-4673) or at
their website, or you may seek help from another non-profit foreclosure avoidance agency.

Servicemembers Civil Relief Act (SCRA)

SP8 is committed to home ownership assistance for active servicemembers and veterans of the United States
military. You may be entitled to certain protections under the federal Servicemembers Civil Relief Act (50 U.S.C. 3901
et seq.) regarding your interest rate and the risk of foreclosure if you are a servicemember or a dependent of a
servicemember. Counseling for covered servicemembers is available at agencies such as Military OneSource
(800-342-9647 or and Armed Forces Legal Assistance 
Note: your state may have more expansive eligibility criteria than below. Please contact us as soon as possible if you
have any questions or believe you may be eligible.



 

Eligible service may include, but is not limited to:

- Regular members of the US. Armed Forces (Army, Navy, Air Force Marine Corps and Coast Guard), or
- Reserve and Nationat Guard personnel who have been activated and are on Federal active duty, or

- National Guard personnel under a call or order to active duty for more than 30 consecutive days under section
502(f) of title 32, United States Code, for purposes of responding to a national emergency declared by the

President and supported by Federal funds, or

- Active service members of the commissioned corps of the Public Health Service and the National Oceanic and

Atmospheric Administration, or

- Certain United States citizens serving with the armed forces of a nation with which the United States is allied in

the prosecution of a war or military action.
Please send written notice of military service as soon as possibie to:

Select Portfolio Servicing, lnc.
PO Box 65250 Salt Lake City, UT 84165?0250

If you have questions regarding etigibility and application requirements, please call us at 800-258-8602.

Your Rights
If you wish to dispute your deiinquency or amount required to Cure the Default, you may do so by providing a
written dispute to SP8 at the following address:

Select Portfolio Servicing, lnc.
PO Box 65277 Salt Lake City, UT 84165-0277

You may calt Jennifer Batista at our toli free number 800-258?8602 to discuss your dispute. However, to
protect your rights under federal law, you will need to provide written notice to SP8 if you beiieve that your
dispute is unresolved.

You have the right to assert in the foreclosure proceeding the non-existence of a default or any other defense
you may have to acceleration and foreclosure.

You have options to avoid foreclosure. THE TIME TO ACT IS NOW. Piease call us at 800-635-9698.
Sincerely,

Select Portfolio Servicing, Inc.

Esta carta contiene informacion importante concerniente a sus derechos. Por favor, traduzca esta carta.
Nue?stros representantes bilingues est?n a su disposicion para contestar cualquier pregunta. Llamenos al

numero 800-831-0118 seteccionelmarque la opcion 2.

This communication from a debt collector is an attempt to collect a debt and any information obtained will be

used for that purpose.

Minnesota - This collection agency is licensed by the Minnesota Department of Commerce
New York City - Collection Agency License 1170514