& BOOK 3870 RE 7 OC 82 WL 5 Yio THST # 294045 MADISON COUNTY 13. This instrusent was filed for record 6/22/20 st 5:04:34 PH ROMY LOTT, Cac. BY CUM Doce IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF MISSISSIPPI NORTHERN DIVISION UNITED STATES OF AMERICA PLAINTIFF v CIVIL ACTION NO. 3: 20 ext HIS~DPS- FAB THE REAL PROPERTY KNOWN AS 115 ROSEDOWNE BEND MADISON, MISSISSIPPI 39110 DEFENDANT PROPERTY UNITED STATES OF AMERICA’S NOTICE OF LIS PENDENS TO: MADISON COUNTY, MISSISSIPPI CLERK OF COURT and ALL WHOM IT MAY CONCERN: NOTICE IS HEREBY GIVEN that on June 22, 2020 the United States of America filed a Verified Complaint for Forfeiture Jn Rem in the United States District Court for the Southem District of Mississippi, Northem Division, in the foregoing action. The United States of America is seeking to forfeit the real property located at 115 Rosedowne Bend, Madison, Mississippi 30110, the legal description for which is as follows: Lot R-8 ROSEDOWN-BLOCK *R” @ Reunion, a subdivision according to the map or plat thereof which is on file and of record in the office of the Chancery Clerk of Madison County at Canton, Mississippi, in Plat Cabinet E, Slide 50B-S1A. The record owners of the real property, by virtue of the Warranty Deed recorded in the public records of Madison County, Mi issippi Official Records in Book , Page 3667 on November 16, 2018, are Ted M. DiBiase Jr. and Kristen Dibiase, as joint tenants with full rights of survivorship. You are accordingly directed and requested to immediately file, record, and index the recording of this Notice of Lis Pendens in the record book of your County and note on it, and in the record, the hour and day of filing and recording, as required by law.BOOK 3870 PASE 118 ast Further information concerning this action may be obtained from the records of the Clerk of Court for the United States District Court, Southern District of Mississippi RESPECTFULLY SUBMITTED, this the 22nd day of June, 2020. Deborah Connor, Chief Money Laundering and Asset Recovery Section Criminal Division USS. Department of Justice Kerry Blackburn Oklahoma Bar (22918) Trial Atiorney Money Laundering and Asset Recovery Section Criminal Division US. Department of Justice Kerry. Blackbum2@usdoj. govBOOK 3667 PASE 465 DOE OL TY INST # 854041 MADISON COUNTY HS. This instrunant was Tiled for record 11/16/18 at 2125208 PH ROMNY LOTT, CeC. BYs RSK Dele WARRANTY DEED GRANTORS: GRANTEES: CHRISTOPHER H. HUGHES AND TED M. DIBIASE, JR. PAULA J. HUGHES KRISTEN DIBIASE ADDRESS: ADDRESS: 115 ROSEDOWNE BEND 115 ROSEDOWNE BEND MADISON, MS 39110 MADISON, MS 39110 ‘TELEPHONE: TELEPHONI 662-769-7000 601-260-7949 4" 40 PREPARED BY & RETURN TO: V ANDY J. CLARK \ LAW OFFICES OF ANDY J. CLARK, PLLC Ss 567 HIGHWAY 51 NORTH, SUITE C RIDGELAND, MS 39157 T: 601-622-7334 STATE BAR NO. 102903 INDEXING INSTRUCTIONS: Lot R-8, Rosedowne-Block “R” @ Reunion, Plat Cabinet E, Slides 50B-S1A Page | of 3BOOK 3667 PAGE 466 STATE OF MISSISSIPPI COUNTY OF MADISON CHRISTOPHER H. HUGHES AND PAULA J. HUGHES. TO: TED M. DIBIASF, JR. FOR AND IN CONSIDERATION of the sum of TEN DOLLARS (510.00), this day cash in hand paid, and other good and valuable consideration, the receipt and sufficiency of all of which is hereby acknowledged, the undersigned, CHRISTOPHER H. HUGHES AND PAULA J. HUGHES, HUSBAND AND WIFE (hereinafter referred to as “Grantors”), do hereby grant, bargain, sell, convey and Warrant unto TED M. DIBIASE, JR. AND WIFE, KRISTEN DIBIASE, AS JOINT TENANTS WITH FULL RIGHTS OF SURVIVORSHIP, AND NOT AS TENANTS IN COMMON (hereinafter referred to as “Grantees”), the following described tract or parcel of land being located and situated in MADISON COUNTY, MISSISSIPPI, to-wit: Lot R-8 ROSEDOWN ~ BLOCK “R” @ REUNION, a subdivision according to the map or plat thereof which is on file and of record in the office of the Chancery Clerk of Madison County at Canton, Mississippi, in Plat Cabinet F, Slide S0B-51A, reference to which is hereby made in aid of and as part of this description. A survey and plat of the property hercin described and conveyed is attached hereto as Exhibit “A.” The warranty of this conveyance is subject to: (1) all prior severances of oil, gas and minerals of like kind and nature; (2) all existing oif, ges, and mineral leases of record among the Madison County Land Records affecting the subject property; (3) all valid and existing recorded covenants, rights of way, easements, and building and zoning restrictions; (4) all matters shown on the Plat of Lot R-8 Rosedowne - Block “R” @ Reunion; (5) Ad valorem taxes for the current year have been prorated on an estimated basis, and shall be paid by the Grantee when due. If this proration proves to be inaecurate upon actual Page 2 of 3BOCK 3467 PABE 467 receipt of tax statement for the present year, Grantor and Grantee shall adjust this proration based on the actual tax figures. In additions, homeowners/subdivision dues/assessments have been prorated at closing. WITNESS THE SIGNATURE of the Grantors on this the Gay of November, 2018. Mg f— CHRISTOPHER H. HUGHES STATE OF MISSISSIPPI COUNTY OF MADISON ‘THIS DAY personally appeared before me, the undersigned authority in and for said County and State, within named CHRISTOPHER H. HUGHES and PAULA J. HUGHES, known to me, and who acknowledged to me that for each of their act and deed, they signed, sealed and delivered the above and foregoing instrument for the purposes mentioned on the day and year therein mentioned. VUE OR GIVEN UNDER MY HAND AND SEAL OF OFFICE, on this the _/6 _ day of Sapiombes, 2018. MY COMMISSION EXPIRES: Page 3 of 3EXHIBIT "A" rec of one EE, # gy fee per i = oe name See ee IddlSSISSIN ‘ALNNOO NOSIaV fee sorcecccecenert Bea 'N-@:1 ‘92 NOLLOAS Sa NOINNEYD ® Yn HOOT - INMOGASON seams SSIES BOOK 3667 PASE 468 vee EE gas-d peel 140.1WidBaron hat 6-516 pon ROSEDOWNE - BLOCK "R" @ CREUNION_ SECTION 26, T-8-N, R-+-€ late. MADISON COUNTY, MISSISSIPPI BOOK Jee? PAGE 469 ¢ = =sas aa ae ae Ee | Sapa] Peo Fees | ES eee eed = a ee oe BSH See iar Ge ee Ee eee ponentetanveany — PSS SSS ee. EE - ae 2 i Hep AX FX wW Ww eveergorz an(G19 1000-1 BOOK BLL Pace G2 Ot 2 YT INST 4 684068 MADISON COUNTY MS. This instrunent was Tiled for record 1/20/20 at 413214 PN PENNY LOTT. C.C+ BY: KAG D.C. (Soca tov i Fa sag Oa) es 31801 TUPELO, MESEISErPeE sano. A. thark ‘Aer Recording Res To RESAGANT BANE PTA, DOCS Foodie, “ktGerasrert 2003 DEED OF TRUST GaniodBouower: Theadore M Oxbiase JR, Kriscen Diblase, 125 Rovadowne Bend, Madison, MS 99120 (600) 260-7949 Grace: RENAEANT BRN, PO BOK 709, TURELO, NTSSISSIPAT 34602 (877)367-5971 eneficany: REVAGRIFT RANE, PO BOX 709, TUPELO, MESSISSTPEE aago2 (877) 367-5372 Tiss: Score R, Hendrix, 205 S. Fone Screet, Tupelo, Mississippi 26004 Indering Instron The ral operty describe herein i sina inthe rarer of uarteraf Section Towra Naéicon Farge oftte Dil Dive of Magtaon Conny, Missin DEFINITIONS. ‘Weed se i mote section of Bie cos 18,18 203nd 21. Conan tes regs 1 defn low ad eer words ae define in Sesions 3, fonds a inthis doimert se a9 povided ie Secon 16 “ rment"neas this dacimeny, which a doled“ RCEMEER 29, 2029 ogether ‘with all Riders is dune () "“Barrawer"ie” Theadore Dibiage Jr Kessten Osbsase oreoer te ttre thi Secity Ire TESTS. Sa Fay Tere aan ac TSE NETRORENT octags Saree Fam 3005" seiacoe can [¢BOOK JE11 PAGE SDs © “Lender"is evASmIT sas Lender isa MIssTSStPPt cORFORATION ganied eet he Iw af Nrsszssr9er Lendesacéress is PO BOX 709, TUPELO, MEsSrssTPeT 38802 Ler it the soseilary ner tis Seiten (D) "Truseorae Seats B. Mendes (8) "Noternesn he promiory rte igaed by Borrower and ded DRCENBER 29, 2019 “he Note stash Borrower nes Lender ONE MILLION SIXTSEN THOUSAND 29 00/100 Dollars (US. § 1,036,000.00 ) pines, Rovrover homed pay hs debt inept Pesci Payments a ay the ea fl ot ae fan JANUARY Ly 2080 “Proper means he propery hat is desi bsow under the heating "Trane af Rights in the Property. (G) “Lean meansthe deb eicercsty the Note, us ineresy any epaymen chgerand teclarges dae ener {he Not, an all ms ce ner this Sear Insert pls interest {ty "Rider ane al Rieret he Soe Isiament hat srewecnteby Rerroer, The follwing Reese tobe eeeted by Beroes [check boea spa) (ey Adustante Rate Rise Piaonad rit Development Rider Dy Fallon Rier Gl Biveehy Payment Rider 1 Famsty Riser 1B) second Home Rie {Bi Core Rider Bi orien fet) (0) “Appetble Low" neasal cetoling applicable feo, sie stones epson, dns and Scninistatne es adore (Ost hve he eet of aw) a wel al aplasia, somaya otal 4G) “Canmoesity Assan Dae, Fo, and Asien” meal dis, fc, esses der cares Sot ave impo on romero he Prgerty bys cordon san omeswrers co o Saar ("eran Funds Transfer neasary sans of finds te th atanscton ogni by chest, ea, {sinner pope amen, whch enact hag a cero em, phos ines COMp Imagini te so ao rer Init oramtrize ran onto debi rere aes. Su em CESS pier tinted put oale wander sonst er matin wontons, arses nt 9 ‘ighore sue incr ar stomoted cargos urate {Gy “earn lemons we fe ht ae rb n Secu 3 {Sh “Miscaancns Prec” meanest emerson, selene, svar of mages or ote pid 27 sh uy oer ns naance proce eee soersge Serb in Sect 9) (age, oF anton he Preven) csnrah ate lng ofa sy prt he Mop (cape ten ofcordennatir. or (@) mereweriaions oor omcaurs a theta atx soon he opr (3) “Mortgage surance” meat rane protecting ender aint he oan of rat, Ls, {0) “Perit Payment nears he replay ches ana! er) pr ae ett tae te Ne, to Gi mpamons de Seoton3 of he Scaty Imes {ty RESTA meas te Real Este Setlemert Mocs Ac (12 US.C. {240 ees) a ts peeing {easton Remlonee X (2 eR Fa e2h,setey mig besmerded Row wncto tie, ay Sco oF ‘Stcesor pation repaint governs the some eect mates. As sue i hs Sey Larne RESDA cers equranertad reacts hare mood nga 2 edly rh megs creniftte Laan dons hotly an "Ydealy ried orgage ler ner RESPA. {Q)Seeceon i ntrct a Morvower"near any port at im kre ihe Prone, wheter oo a frtyha ssuied Borowe wlighion nce fe Note ado ths Secret ‘TRANSFER OF RIGHTS IN THE PROPERTY ‘his Secuiy Instrument secures to Lender: he repayment of the Loan, an all renewals, extensors and Imodiations ofthe Noe and (i) the performance of Horror cover ad agreement der this Sean Tesrament andthe Note, For thsprpoe, Borer lerevoraly want as conveys to Tastee @ Was With poset of ale the fling described propery lesen the couse of Medss00 Use Reng Bane cet stn ESSEIAR Sapa Fooly “Fara Weald tac OGRE NETNENT ——_boaipge ae fom 3aa8 sot ae See SesBOOK S14 PAE SO¢ SEE EAHIBIT "AC ATTACHED HERETO AND BY TITS REPERENCE YADE A PART HEREOF. whic enti has the acre of 218 Rosedosme Bend est wadison | Missing sane (Propeety Ades) eat eps TOGEMIER WCIH all the improvemerss now or hereaer erected onthe property, 26 al emenente, agpuneaanees, and fer raw ar heer a prt of the property. All replacements and ations stall abo be ‘covered by th Seevty lst. All of the foregoing i efered i ts Secrity esrament asthe "Progey."| [BORROWER COVENANTS that Horror i fly seis ofthe esate hereby conveyed até hse ght ant ans eaevey the Property ad thatthe Property is rineneimbred, except for ensues of eect. orcowerwaeants and wil feed gently the tile ote Propet aia lela ad demands sbjecosry encombranees of ree "THIS SECURITY INSTRUMENT combines form cavers formation! sean con-sformcovenats i Tite variations by jvsdction to cosine arf security itevmen enveriag rk poner UNIFORM COVENANTS. ovcaver and Lender covenant ad sree a eles 1. Paymentaf Principal, tterest, scr Hes, Prepaneal Charges, and Late Charges. Bocrove sl raywhee due ne pana ofa ree on the det eideres by Re Note a ay pepaymet charges va te ‘arges de unde the Note Bevscuersallalo say finds fr Escrow hem param wo Secon 3. Payments due Linder the Noe and this SecsityIneeren halle made ip U.S. urerey. However, i any check or eer instrament received by Lend a payment adr she Nate or this Secor lsimnt settee o Lender ua, ener nay an tht any oral beeen! payments de er me Nae 3 ths Seo Isrrert be age oneormoreof ihe fllowirg fra axsleby Lender (eee 6) money order (eri chee, bak eck, ‘reaver sebsck orcas schtck, roviee ary sch checks srawatmon an nstion whose deposits are wsared ly feeralageny,istromentaliy entity or) Lledronic Fes Tamer Trymerte are demedreeeted by Lender when rected the lesion Gexignate in he Note or at sich oer loci ney be degre by Learn aseorance with te oie penonone sn Section 15. Leder may ete ary rane aval payne ithe payment or arta paynets are auto bing he Loan eure. Lender nay acer ay paymsct or pvt paymert insert fo bring the Loan ercet, iba WaNer of ary FEMS ever oF prjtie fo rights to refse sich payment or pata payments he fue, it Lender i aot ‘blige to apy sich payments fhe ime seh payment te ected IF eae eric Payment applied 3 of iiyshetiled dhe cat, hea Lender ee nlp nerentonnapplee funds, Lender may hala sh urapied Feds ‘nt Borrower makes aye to ing the Lots cicen If Woot dare ot do so with a easonable pid of ting, Lander shal eter aly veh fads zee hem to Horower, Uf nt sped exit, sigh Teds wal be plies to te evteauding principal Glance ener the Noe ineditly pies to frecesie No offset or isin ‘hich Boomer might Rave now or nthe ie against Lender sal reve Borrower fom making poymens de tre he Note ard ths Sect rstrrent or prfownirg he coven an agreement seared by this Security Irariment 2 Application of Paymens ar Priced. Esco! a okerse describe in tis Seevon 2, al rayeris sept al apie by Lene sll i api i ke flowing ener of pry (0 seen ue er te Note (b) primal ie nes the Noe, c) mone se vader Sri 3. Sich oymecte shal be pied to cach erode Tayiert nthe nde in which fecame ee. Any erring tmnt fal be apples Histo Lae charge, second {9 ny other amount deiner the Security Isromeet ap then 0 zeauce the prepa balance of the Note TF Lender receives syne fm Borroer fora einer Perioce Payment which icles a ion snout 0 py any Its ear deste pjent maybe epliad tothe eelinqent payment and the ae charge. Tf ‘more tan or Periodic Payments ctanding, Lender may apy at payent fected from Borrower fo the ‘eooyinent of te Pei Paymerts ae tothe exten at, cach psyeat ean be pic il To te ete hat ryencess criss oferthe payments poe the fil payment of one or more Periodic Payments, sichencess ny beappled any lat ctarges de. Volonary prepayment sll oe apliee Fst oy pepaynent chargesar ther 5 decribed inthe Note ‘Any aplication oF payment nsirance paces, o¢ MiscellareasPuocects to prncpal de de the Noe tall of extend or pospne the de dt, oF cange the art, ofthe Pere Paynes. 1 Funds Gr Esrom Hes. Brvomer shal pay Yo Lender o he day Peioie Paymens are ve nde the Nove, at the Note span fil, aw the "Funds pevie for gayinent of amocnis ee for (3) 8 and _serconri otrert hick eon atin priority over tis Sew Teron 363 ir oF eccumbance an the reper: () esshole payments or eround renteon the Peeper, i any) premiens fer ary ae al nance ‘SRGBEE DF Sg Fanny orl Tcl ae ONFORT RETROMERT Doatage Sree teas ine sins saBOOK ZBL FASE SS resured by Lender vader Seton 5; and (8) Moree Instance pein far, or ay as pyle by Rarrewer to Lercer in fe ofthe symnent of Mortage Insivaee pentane ie accordance wih the power of Sein 1, “These ems arctic "Eseow ems.” At avgiaton Sty time ving teem of te se, Lender ray erie ‘arComimonty Associaton Dues, Fees, and Attevenents,iTary, be estoy Barre, an chien, ena Sncrumete shall bean crow Hem. Guero shal promply eva to Lendl race of om be fae ‘ner tha Section, Dorrower shall pay Lender the Funds for Escrow Ker les Lender waives Bavsoee's ‘blgation wo pay the Funds for ay o al Brow ems. Lender may waive orrovers aban to pay to Lender Fr fran oll Brow ems at anytime. Ary mck wrvermayoniybein wring. Inthe evect fasch vale, ‘Borrower sal pay dry, when and where payable the aman doe fr any Escrow hema fer which payment of Ford ios ben wane by ender ae, i Lender sesire sal fish o Leer recep evidecing Sth ayn ‘within sich ime pera x [Link] fo make ich payment and provide ects shal forall porpesesbe deemed be 3 cverar and ayreementcentsine inti Seity Tsuen, 6 he pase eavenat ad agreement” ited in Section 9, Hf Borrower i alge to pay Escrow ems drt, porn 0 vier and Borrower Bist yoy theamgurt defor an Ecrow hem, Lender msyeercia cps ner Seton ‘lan py sich amacrt and Rerrower eral ten be nligted rer Sec 8 repay 0 Lender any sick amen ‘Lender ay revoke Be waiver ast ay or all crow hema any time bya aie wien in aceerdance with Seton "Sand, upon sich reveeation, Borrower shall py to Lender all Fans, and in wich amounts tata the iv ie this Seton 3 "Lenéermay, 3 time, collect an hld Funes in anarsanrt (3) iient operat Lancer to apy the Fe atthe ime seeed rer RESP 2 (8) oto exced the maim ara: ender cas retire ier RESP, ‘Lender sal esimate the sin! of Func eve or he bss af erent ata ad reasonable euimaten of enpenires, ffir Excow Items or eters in acordance with Aggeable Law. "The Fonda be Hel nan inion howe cept areianied by a fdealaeney ngmimerta ty, entiy isting Lender, f Lender fan inition shoe depos ae x naved or inary Feseral Home Loan Dank. Lender hall ply the Fars fo ay the Bsrow hers no ater than he tne specif der RESPA Lender sal rot charge Botower fr halling ae spr the Poe, aevally ating te exrow acer, of vene the crow hers anise Lene pays Bocoweritcet onthe Fr nt Apoticble Lave permite Len fo me sich [Link] sn agremen ism n writing of Appiabte Law reise to De aid 2 he Funes ‘ender al not be ered to ay Dero any iitet or eavtngs onthe Finds, Botsower an Leer ca auree In wriing. However, fat nee shal be pad on te Feds. Lender shall gve wy Rotrowe, who charge at shoal arcurtng ofthe Fins require by RESTA, Tr there ins supa of Fue eld neers, 36 dfited under RESPA, Lena all acon to Bowe ot theewcess nd in acrordance with RESP I eres ashorage of Funds held in eeron, as defied wade RESPA, ener all notify Borrower ered by RESPA, sr Borrower shal ay to Lender he amon neceary to make tp the shortage ie sccrdance with RESPA, bt inno more tan 12 morsy payrenie. If there v3 fiery af Tus teld in eset, aveefines ncer RESPA, Leder sal natfy Baro ae enivd ty RESPA, and Borewer sally to Lender he arnt pees fo ake phe deficiency in secrdance with RESP, bt in ro more kan 12 monthly payments ‘Upon payne fal ofl ns sete by thi Security Inesrert, Leeder prompt eid to Borower any Tos hel by Levde. 1 Charges: Leas, Borrower sal ay all nes, asetmeets, charge, fees ad nestor abtable 1 tne ereperty which eae ana priory ovr tis Sect sient, leseold payment or youn’ rents on he Propsty if ary, axé Camminty Aiton Dex Fees sed Acetate iar" Tote ever hat Bae ems ‘te Escrow leg, Borrower hal py then he mater provide n Section 3. Bocrover tall poms diseharge ay le which kas voc ove his Seer Insicanent unless Borrower: (ayagreesin wating tothe payer of he obligation secre by thei ip a aner aeeysabet Leer, Boal 0 long as Bovroues ts pefoug sich agreement: () cote the lee in poe fh by, or cefende aie nforcenertof he en in legal proserdings whic e Lender sepinion operate to prevet the enforcement of ein ‘while toe proceedings ate pening, tut only nl sch posed ate corchedat: oc) secures fom the fee fof the len an agreement story to Lencersibodinaing he en this Sasi rseament HF Lender {etrmiven ata pt of the Property tc jetta en whch co ain prio wert Sect Inmet, Leader nay pve Borower a patie cetying he en, Within 10 ahs af he dle on which thst oie i ven, Borrower sal sai the ono take one ov mae of the acres arb above in this Schon & ender oy egies Borrower to ay sone tine cae fra rel ee x fest and eepatig sevice ved by Lewes a conection wih hi Loan, &. Property Insurance, Bovtower shall keep the improvements now exiting ox hereaer erect on he coer sued syst low by fie, ents che wi tbe ters "eteed coverage.” and ay her bands inecog, bu tite a, exthaes an Mods or which Lender ees insane. This erate sal be Irate inthe amounts Grclsdng dette levels) anf he periods tat Lender regis, Wh Lender ‘eure prsartt the preetingeenencecanchorge vig tke ofthe Loan. The surance cater OVE {teiosuaeesallbeebetenby Borrower sje Lende’sright to disspprove Borrower setoies, wich rigs tot be exereadnresoraly. Lender may ree Borrower to a a contin wih is Laas, ete. (a) 00 Time chaps for flo ze determinate, eeificaton ari tracking series () a anetime charge fr eos ore {derninton ae cet seve nd sebsejent charger each lime cemappngcor smi charge ccc bie ‘eatonbly might affect sich determination or certo. Brower shall so be resporsble fr te payment of ty fm vp by the Federal Emergency Management Agency it contain with te review of fy ood z00€ {etermination vexing from an ejector By Borower Tay Roe ow oe rem ORIN paper aaBOOK JEL Page sug It Borrower isto msn any ofthe coverages decide sore, Lender may obi nance coveogs a “Lender's onion ad Dovrover'sexpense. Lender under no obligation to uch ary paca type or amo ‘of coverage Tere, sich coverage shal cover Lender, bat ight a might not prot Borer, Baier ‘pity nthe Property, rte cote of he Property, asin any rk, haar ily ad might provi restr oF ener coverage an wae previnaly in effet” Derrwer acknowledges ht Ie ea! of te nnrarce coverage 10 ‘bined mish migrant exceec he cor of isiance het Borrower ni ave obred, Any amar dace by Lender ner thi Seton Ssh become eitoral del of Rorower seize by this Sent Inarament. These ne sal be ilret te Note ae fiom the de of debirament ar shall be payable, wih sh nee, ‘pan oe for Lands to Borrower reueting payer Allinsurace pois regal by Lender an renewal of mich pices sal be sbjectw Lene’ ight 10 Asapprove sic pies all irlade a sors morgage cles, an sal mre Leer a morgage area scaitoral lose gaye, Lender stall ve the righ fo ole the pois an renewal eeteate, If Lender resis, Borrower shall eomsly ive o Leeder all recips of pi remus an zeal rtces. Doce abies 2 foxmof saree coverage, ot ohare reste by Ler, fr danse ta, o deseo of, the Pret, ach algy stall ince sanded marge clnwe and sill name Larder morgage arr sean nora os yee ath event of as, Borrower hl ive pomp ace ote insnance cater ad Lender. Lender oy mabe got of ln imo} mae promly by Borower, Unless Lender and Borrower eherwise spre tn writing, ay lane process whee or pot he vederying irsirance wae reqiees 9 Lender, tal be apie oreeoration ‘oF repair of he Propet if re retortan tea i ecoramiclly Feast anc Lenders seuty i at essed. ‘Daling ssh rept se resoaton grid, Lender halt ve the rghtt old meh name groceds nil Lender hax hat an onperity to nepert sch Proper to ensite the works bee cotleted Leaders ssn, ‘love that sich inspection shal be onderaken promi Lender may danse proesds for the reps nd {eviction in single payment vin a serie of rope ayers a the work is completed. Unless an apeement |S nade in weting ov Applicable La reqres reno be aid on seh imiarce proceeds, Lender sal pot be ‘expire aay Boerower any interest ena ox nich proved Fees or ubicastery ox aber itd pis, {etn by Borrower sal ot be pi oot of he sae proceed ea stall De he we alga of Rarower ihe rexoraton or repair int economically Feasible or Lender's secritywod be leer, the nsrane proceeds shallbeaplie tothe sm secured by hs Secu Lsrueat, whee er ot thes de, wih he excess f 30, pad to Rorroser Suh nsrane proceeds ol be apie i the eer provide for a Sect 2, Borrower abandons the Property, Leder may fe, nots amt cele ary avaiable insrace lai ant ‘elaed maters. If Boraver despot repo wih 3D days oa rote fom Lener the insurance cv hs offered to see a claim, then Lender may regtote acl see the eli. The 30-y period will begin when the hatice elven. Incite ever, ori Lender aohires the Property utder Section 23 o trie, Borrower heey {igre fo Lender () ocronet’s righ o any nsrarce proceed im at amok et eee the aroun na “er he Note or this Seni Insrament sr (9) any oie of Boerove's ight other an the righ ay rhe ‘of seeaiedpreviuns paid y Boromer) unger all insane police eovering the Property, isons auch ights eaqpleale othe coveayeof he Property. Lender mayne the inezancepeoneeds iho veya o etre he ‘ropes fe pay acute pad ne te Noe or te Seri Insrert, wheter ofl Pen ce “Occupancy. Doriower stall sey, esha the Property ar Borrowers psig cesiderce tin aye ater te cteston of his Seer mtriment a stl eatin to occ the Pree) as Borovets ‘rncialredene fra ent ne ear afer he date ofccipay, reve Lender here pres in wag, Which ‘Constant be neasonably withheld o less exerting ecunanes eit Whi te heer Boerowees "Preservation, Maintenance and Protection of the Property: Inspections. Borrower sal pat dsey, damage impale the Property alow the Property eteioaeor commit wate onthe Property. Whether fro Borrower eidrg inthe Property. Votre ball maiaia the Property i order o prevent te reper om Acjrontig ov deteaing in ve Geta it concn. Unlew tis determited para o Section $a reqs of texoation not esoomcaly Feasible Borower stall prey cepa the Popes if damaged to 204d futes ‘eterestin on daage, Hf isance or condemnation peoceets ae poi in coshesion with éaragero, or tke aking [SF te Propet Borrowe shal be responsible fot tengo reser the Psperty only Lande hs cet accede for sich rrpocen. Leader malishe proceeds fo the reps ang restoration ina soe payment orn Eerese! pogsesspapments asthe werk conpieed,Uthe isang or condemmation proceeds arent sficert to repar ce rsore be Tope, Rotrne sot elieve of Horower «abiation fr he completion of ek et ‘Lenders gentmay mk reasonable erties pa adiaspetons ofthe Prone. thasreasoraieease, Lendetinay ingest the tio of De onrovement ante Property. Lees sal pve Borrower roe the ine of or ret seh a9 itr tespectin pei ch easarae eae f. orromer's Loam Application. Uorrower shal be in def dviog the Loan application process Borrower rary persns oc etneracing tthe deston of Vorower crwth Borotar knowlege or corset ste nea ise, misleading. or inaceseteUnoraton ox satement fo Lender (or ied fo prove Lede with ‘mera info) conection withthe Loan Material repression ice, bo ate rot lied fo ‘enreeraionscorernin Boar's ocapancy ofthe Property ae Borrowers pineal teense. 9, Protection of Lender's Unlernt in the Property and Rights Undr tha Security Intrument. 1 (3) Barroer fl to perform the coverant apd greement consid his Sec Taste (hee 3 lea proceeding hat ayht pany fest Lender sinterestinte rape aecor rights tis Sec ntriren (such ava proceeding in brknstcy, probate, for condemn oe forkinee, fot eforcemect fs ea which may TERE; Svoe Tany Tae nie ee OTT TIREBOGK 381i PASE 507 tn priory over this SecuyTstnavent et efore law or eation), ot () Borrower ha abndoee the repeiy, ber Lender sy d and yoy fr wkstve i reenable er appoprine to poe Leer tere in he Prepet a igh inde hs Secrity tren, incicinggvotecing and! skein te valve of te Propet, ard ecuring aio tepating the Property. Lendes airs ca incident ae ml ned a (3 gaping ye Secited by a len wich hs rarity ver hie Sct esimerts (8) appearing i cau oe () paying remomble Showeys lesa yeotettinterestin te ropery amc ips uncer fe Secrity rsrmen, ineiing sec shonin abankapeypeosecing Sein the Pape inches. bt i et ited 1, eering the Prooery to ake reps, change lb, replace or ard up doors ana wines, din water fom pies eliniare bling oF ‘other coe violations or dangerous condiins and have wiles aed on o OM Alina Lender may ke action "ceri Seton 9, Lender ee rot ave eda a not oder ary ety a ligation tod 0. eae tat “Lender incur 0 ibility fo not aking anor actions suze ner ts Secon 9 ‘Any anront disor by Lender ener thes Seaton tl berome tonal debt af Boroser soured this Secwity fstumen!. These aseurts sll bear intrest he Note ate om he date of isburemen sal be jae with sch tre, nn rate from Lender Borouer eens payment TF tis Seoty Instn eon late, Bocce sal comply with ll the provisions ofthe lene Roreaer st nl aender the letscholdestte and inten eri conveyed or termine of cancel th gro lee. orcower shall ot, witha the eqwess writen conseat of Lender, alt or amend the ground loge. If Bocower sepies fetes the Property, the leehld ard the ee eal gl mere less Lender ages 0 te merges inwraing IL Mortage [Link] scpirsd Morgage asurance at conn of making the Lean, Borrower shall ay she premtens reqits o maintain the Mortgage Invance i elect. I, ovary rato, the Merigste Iravancecoverage rehitee by Lender mars to beatae om the maga esr hat pe noisy pride sich Insiranoe and Worower tae revived to make epartly dense pejrers trad the emus fr Merge Trssrance, Dorrower shall ay the prem egived oobi coverage abso eqivatet tothe Momigage Tsiance previo infec a ean stray ecsvalet tthe eos to Borer a he Madea lsiance [evioisly reflec, fom an alereate morgage sve cleced by Lender. [ritnallyeivatemt Mortage Inesanceemerage ena seis, Boros ol oie to ay to Lede! the amonnt af the separately espe ymern hat were die whon the lnianee coverage cased bein effect. Leer wil sce te ad et these [Bamerie sa ron-efindole lows eervein ev of Mortgage lsurarce. Sud lost eserve sal be rorrefurdabe Foire the Yc tat he Loon ener ln Lender shal rate rele 0 pay Bariowe 3 intrest artrg on sch lox cesar. Lende nao longer req lore reserve payments Norigage Tae overage in the amor forte perio fat Lancer reqirs) provides by a ater sated by Ler’ aga scones available, i oboined, and Lender regirn separately eovgrsted payments toward te preries fr Mortage tnsran I Lande exeae Mortgage Inrance 38 acondiion of making the Loan ard Borowe Wek fete to make sparsely dvignaedraymerts award the pemstns fr Movuagetsance, Boeower stl sy the ovenisve ented to maiain MorgneeInevance in effec ort pone won-refunasble os rset Lenders epirement or Motrge lnc crs ia scovdaee wih ny whiten apremertberween Borrowers Tener proving fc sich terion erst eatin ie repre by Ano Law. Novi i ths Sacian TO afletsBoroser s obligation fo pay inerent tthe rte povided the Noe ‘Mertage Inara teimtse Lenco ("ary eri tht parcaws the Note) freer asst may nce irtorower Ses noe epay the Lon a agreed Brcoer nota party tthe Morag Inirance ‘Marga irsiers eve ei tlk on 3 seh sane in force rom vet re, ar mayen io syrecmert wth other partes that sate of modiy the tio ebice oun. Thee Spree ae a es 386 ‘urdtons that ae stisactory to the mortgage inizer and he ee party (or aves) to these agrees, These Syren ny ease he morgage ister o make payments sing ary source of Rincs that the oreng set tray have aval ich may flee Fade aaeee fom Mortage Insane peers). ‘Ava rel ofteteapreererts, Lender, any purchaser of the Not, anller ier, ay einsre, any oer ry, or any alate fay fhe foreging, ray rene (Grey or nrc) arias at derive Fo (0 ight [eeharasteriedas agavton of Bcrorers payment for Mortage Ineance,isexchange fr hai or modiirg the monigage nsec ih ceicing ses. Tf sich agreement provises tat fae of Lender likes a sare fe inter rio enchnge fora tate of he pens pad fo the insu, the aratgemet = OREN ered “eapvereinsrance” Fue, (a) Any sch agreements wi ts that Borrower has agreed to pay for Morigags Insurance, er any other terms of the Laan. Such Increase the amount Barrowe? Wine ar MertgageUnseranc, a0 they wil aa ve Barrer ty 25) refund {B) Any such agreuments wll nt affect the rigs Borrower has ~ifany - with respect othe Mortgage Insurance wie the Homcomners Protect Aet of 1998 or anyother an, Then rights may inca the ight to recdye eevian disclosure, to risqust und obtain cancelation ofthe Mortgage Tnvoranc, Mortgage tisuranceterminated automaticly, andor ts receives refonde any Mortgage laserance preniums ‘hat were enced a he Yne of sch eanelaon er termination, 11. Asugemen f Miscellaneous Proceeds; Foret. All Miscellneas Process re hereby asin to ad sabe pdt Lender the rape i dannge, sich Misses Pave shal be pylittaredoration a reps of he Prone, ‘tthe testoation or reper economically fesuble ad Lenders secur isnot lesenes, Dang sich repr 3nd restoration pera, Lender sal have he right to hole wick Misellseass Proceeds atl Leer has al ae fopparuny fo nsec sich Tropety Yo erie the work hs been completed to Lend’ sasction peovied hat ‘le inspection sal beunderiken promptly Lerder may poy fr he eps an restoration na siglec brent ERG pe ay en RRR CC Page 64 atBOOK 3811 PASE S0@ tins series of progres payments asthe work is completed Unles a asset is made writing a Appiah Lay reps intrest oe id on sich Miscellanea Proceed, Lencer sal ot be resid 0 py Barrer ay Interest or eatings on ach Micelaneoss Proce‘ I the renoration or reps ot eencnmically abe or ‘ender stacy en helenened the Mine Procende alle applied oe ine erry thi erty Insrinor whether or rot then ue, wth the ewes far, pate Borower. Sieh Mucelianes Proceeds al be aplico in he onder provide fr in Section 2. Ta th event ofl king, destiton, or losin vate ofthe Property the Micetlonens Broceet sal be splint ome sis eset by tie Ss lrenet, heer or nt hen de, with te exces ary, 9d fo Vorroaer "ath ever ofa patil taking, destrition, or los in vae of he Property in which the ie maha aie of the Property immediatly eforethe partial thing, dervton or os inal equal toe prealer tan he scant fhe sie sects by thie Seer Tasranent nnedtly before he prt ang, cee, oles ovale, “wlessBorronerané Lender otherticesprsin writn, the gm acized by hit Seny lament hale diced bythe aracat ofthe Misedlneoos Process mati by he flowing Maton: (a the tl amet ofthe ss sence inmedatly before the al king enlist, ols in ale divided by (9) he it macbet vale fhe Teapertyimmedoely before prt lrg, dericinn or ti wale. A tebe al epi Borrower Tn th event ofa paral taking, deta lst in vale af he Property e whch the fr art valve of the Propet immediately before epi akng, dexrction, or loc in vale i ee an the rect of he se recited ndtely before he paral kita, deste, or Las in vale, unless Botower aad Lene otherwise greein wring, te Miscelaree Proceed sal Beale fhe sims eve by his Seer Hsrament whee fe 20 nae then de the Property isabandoved by Boreowe,o if afer natce by Lence to Borrower tht he Opposing Party as efi in the next sentence offer o make a svat fo see 9 elim for danages Bara Fas o fesond Lender vik Saye ae he dt hee is given, Lender ie stored io calle 3 soply the Mace Trececs ete oresaration or reps af he Peper ota thesis sewed by this ecw esrument, whether ortorthen die. “Opposing Party” means the third par that mes Borrower Miscelarcous Proceeds o He party ses whom Poreoner bas righ a action a reat to Mivclaeois Procede. Botrwer sal ein de Hany ation or precede, whether el oem, beg tha, io Lener indgmert, ced teat io rte cf the Peeper ov eet ater imairment of Lenersirter i th Pepery fr ighisnder ti Seer Inerumert, Darter can ere sich 2 elt if acceleration Pas ocure, restate 2 provided in Seton 19, by catsire the ation or proceeing to be darned wih a ruling hat ie Lender's inbment, pecnds forfeinne ofthe Foner or ott material tnpirment of Lender's ieret nthe Property ot right ver this Sect lnstramert Tee poses of any award or chum fr dagen ha are ates 0 he Iimpaiment of Lende's nee inthe Property ae hereby assipred and shal be rid to Lender ‘All isclaeaia Trost re rot spied tn reoratin rea ofthe Peony stall be apie in he owes provides fori Seton 2 11 Borrower Net Released; Forbearance By Lander Nata Waiver, Extensor ofthe tine fr payment or ‘wodifction of amortization ofthe se sec. by this Ser Inner! grates by Lender Borovet 0 ary ‘Seocaner in heres of Barrer hal et operate fo lear he ny of Borrower ov any Suceens in erst ‘of Borrower Lender sal tot be nied i cmencepeocedngs aginst any Secor i Ines of Bower {oF 1 Felis to extend fie for payment o tterise aly aman of the mame secre Dy tis SEC Insinenent by vest of ay canted wade by the cignal Borrower or ary Successors in nerst oF Botrone. Aay forbearsie by Lendee in exeroing a sight or remedy ising, wie liniton, Lender's acetace of mers om third person, ets cy Succestors in Interest of Wortower ori amour less ha thea then {stl pot he a waver of or pce te excelse of a gh oF reed 13. Jaint and Several Lilt; Co-signers Suecestersand Asis Bound Bortover covers nd eres ‘tar Boriovers obligations a labilty sal be ois ana several. However, ay Borrower wboco sgn this Secuity Trsteanent nt doesnot erect the Note (3"cosigre":(2):eo-sigeieg is Sect Tasrment only to morgage, ‘ram ant corey the consign teen inthe Frogery wer the terme oft Sooty Inriment (3) Pot Teron ligt to pay the sme ected by he Seer latent and (c) apes tat Lender and any ete arrow can [Link] tnt iy, frbea or make ary acemiadaton wil reg eterna ti Sey lrsient othe Note wito te co-siger’s consent ‘Sitject to he provisions of Socuon 1K ay Sovesor in Incest of Boerover who asees Borower's biting car thi Ses Teetrent ning, anéie=peoved by Lender, sa ota all of Borrower sgh a beefs der thie Sony Istrerert. Borzoi all ibe elesse rom Barter cobligaions and li ‘eae Security Instron les Lender agrees uch elasin witag. The covenants ad agreements Secriy Invent sl Bnd (excep an proviced in Section 201 ar sere the success and asians of Lene TH. tuan Charge. Leer mayctorge Borrower fe os Sevier ftried i cntectin wih Borrowers eat fr the pepese of protecting Lenders interest inthe Peery and rights ner this Sect Isineent, ‘rotcngy bat ot nied to attorneys fess, propery ispecion sd valuation fen Te eg tary ther fe, te lence af exes suber inthis Security Taste nto charge a specifi fee o Drrover shal ut be constaeé Seaprebliten on recharging of sich fee. Lender may ot large fos ator expussy prohibited by his Seu Tnsiramert or by Appiebie Las "he Loar i bet to lw which et minum fan charges, sed that i aly istered hat he interest rater loan charges elle or abe cls in eaneion wit he Loan exceed the permite lis then: (0 ony sch an charge al be resicee by the maint ecesiry Wo edie he care he peri nt ano (0) sey sume lead collected from Borrower which exceeded pert Luts wil De refed wo Borer ‘GSR aege Tenay Fre Wena Was DOR TRENT pocepe etna Fam aay wan See SresBOOK 3511 PREE SOS Lender nay chose o make this fue by ceding th principal owes dr the Noe or by making ace yen to Borrower, Is eefind redvees prinega, the redicion wl be reed a8 2 pat prey wilt ty Imepsyrent tare (whether or nota preqeymsneharge provide for under the Note). Boerowe'e ccepance of ysl refined mae by direct gyms wo Borrell consti a waver a any rah of action Rorower might have asing ut of uch overcharge, WS. Notkes, Alltec gen by Borrower or Lender in convection wit this Seri Istramert sete in wring. any pouce wo Borawe it coanecion with ths Secly Isnt sal be deme hae bra piven to Borraer when mata by frst east maior when ally delved fo Borrowers nie sees if en 9 oe rears Notice to any one Borcover shall ante notice to all Borewerscnlee Applicable Lav expres repay herve. The notice abies tll be te Property Adress iss Borower fay esigrated a sbstie ntce aes by aoe to Lender. Borrower stall promly suf Lenéer of Borrowers change of adres, If Lender ‘pects proses for reprtng Borrower «ange of acres, then Borrower sal ony reprta change of sees ‘Moca tha specified yeocedres There iay be oly oe dxgrated noice adress der tis Scary Intent ty ore tine Any rie to Lender sal be piven by delivering t rb mailing by Fs eae io Lerde = dress sate eres es Leder ha Gesigrate another aes by nate Yo Borrower. Ans rice in cocketon ‘ith hie Sac Istraen alla be deed to have been given to Lercer tl asl received by Leder Wary note recited by tis Seourity Tastnmert is ls required under Applicable Lav; the Apia Law requirement wil ms the corresponding eiremert uder this Seely Taste 16 Governing Lan; Severabiy; Rohs of Constracton. This Seely Tsinment sal be governed by fede ay andthe nwo he ridin whieh the anne oe Alright aré ciation contained in this Security fstrament ae sje any’ tenremertan inition of Azplcsbe Law. Aglcale Lav might roll or impiety allow the prtin fo apes by contact ot might be stent but sch silence stall tet be Esostiee a2 prion agains aprcmer by contract In the event hat ary provision o case af hs Sewty losinient or he Note confess with Aipeabe La, sch conc tall rot affect ater provisions of his Sey Testament or the Noe ick canbe given ellet witha the cueing owen. "A cd inthis Soe lastnanert (a) words oF the mateline gender ball mean md inte cresroning reer wores words be fein pene (wuts Uh singly Shall ea adele th lira a vie ‘era (the ward "may ees sale discretion witha any dligation to tae ay atin, 17. Borrower's Copy: Dorover stall be given one copy ofthe Note and of hs Security Inseam. 1 Transfer of the Property or a Deneic tnterest x [Link] ia hs Secon 18, "Maes in the Property" mare ay palo Steel interes in be Property, cdg, But rt limited, those bereft Interest anseredin 9 ba08fr dee, contract or Gee insti sales cosuactoreSowapremen, the ne of which the rane of tile by Bertower at afine ete to 3 prchaset Wal ray prt of the Beapeay ex ary list nthe Property in rold or tasfrea (or if Borower iota rata person ana henefisnteew in Barter i sed ¢ agefeied) witht Lener’s pio writen eomnent, Tendee ay eqireimediat aymertin Fl ofa cs cured by Sexy estnert. Haweve, 18 oon stall rate exerind by Lerde eich exercise i waited by Appiable Law Troyes exerci hin oon, Lends tal give Borrower ate of aceteration, The notice sal wvide a peti ofr esethan Bays ome atthe notce given ik acoteace wih Section Swithin which Borrower spay al cms secured bythe Sev Iseen. I Bocrowe ik 0 pay hese sins prior othe expiration at ‘hip, Lander ay ike any emiesperites by thi Sent Instores! Wika fre ace oe ded on Borower 1. Borrowers Right to Reinstate After Ascleraton. {fWorover meets cetaincenitons Borrowe sal ‘ve te cgh to hve enforsent of thi Sect lsmentdscontnge at aty tine vee tte eae of 2) five dave Gefore sale ofthe Mropectypuusant 0 sry power of ale conared in ths Ses lestroment (0) teh ‘ther peti’ ax Anliable Las mig! spel forte teuniration of Boreoser's ight to een; c (e) ery af 2 jndement efor ths Sec nsrament. The conn ace Dat Boerwet (a ays Leer all sms hich ‘hen ede dere Sees raimertand he Nate apna acceleration ocrred(O eses any deta fay eter covenant or syeemene (ayes expenses ered is enfoveirg is Sect Ismet, nein, {et timed to resent atoreys foe, pope inspection and alton fee, nd ltr Tes incite the ‘lspne af ptetog Lene irri he Poesy a tgs snd hs Sway Liane oa (2 ak ck clinas Lender ay resorably ett ssstetat Land sntevesti te Paepety sighs ude his Secriy Insnimer, and Borrow clio to pay he sun sere bye Sec Insurer, salen ulange, “Leeder reqste hat Bavromer py svc sirsaement mim nd expertesin anecr mere he allowing os, _taelecedy Lent (a cash (0) money oder) atid check, bark check, wessteschek or ese sche, Trovides ary sich checks dawe pan aninsttvion whowe depots are sredby a federal gery, asin ‘remy: or(a) Fleceoic ind Tarte. Upon reinaatecrtty Borrower, tk Sec Inarrertan olga ‘towed hereby sal remain ily effective ai so aeseration Mat accred. However, he ig 0 einese Sal rot apay in he cae of scseration snr Seton IB DM. Sale af Note; Change of Loan Servicer; Noke wf Grievance. The Note ora prt inert inthe Not (ogee wih he SenriyIninmer eon De snc one or mote es without lr rate Bosraver A sale might Fest in change nthe enti (inown athe "Loan Srecer”) ht collects erie Paynes de under the Note $e is Svuiy Inset ad performs ker mortage loa tevin abliztions er the Note, this Serr Instrument, ard Apgicble Law, There so mipit be ne or mare hangs of be Loa Servicer nclated 02 ake ‘ofthe Net. Iftar ea change ofthe Lean Servicer, Borrover il epven writes notice ofthe ckage which will ‘Sa the rame are acess of the re Loan Sevier, the aids 0 which payments shold be made ant ny other informaten RESPA reguites in correction witha noice af ante of servicing. Ihe Note isle até tereser {ESS Gag Fan Fro loc war UNTOR RSTRMENT Cg Few 502 08 eeeBOOK SBI Fase 519 the Lean in sersond by a Loan Servicer other than the purhoner af th Noe, the morgage loan servicing obligations to gree wil resin withthe Laan Servicer ov be wansfered toa ctesor Lost Server snd are not abcd, bythe Note purchaser les otters povided by he Nate purchase "iter Rorrower oor Lenfer way commence jin, or be one to any jal action(s either an inva sto he mene ofa ln) tha race om thee pat cto panto ha Secu atamento tha alleges that the othe party has reached any provision of oF any dy owed by reason of this Security Ista, “lek Bacrower ot Lender as naied he ter ary (with ch atic given i compliance wit the renames ‘oF Secon 1S) fs ales breath and afd these ary heros rare erin 2er the ving af ‘ois t take ccesive ation. If Apable Law provide a tine pied which ms lage bore ceran acon, an be fake, tat fine periad will be deemed to be renorable for purpones af tit paragraph The oie of celeron a oppor 4 Cte given to Borrower prstat Wo Seton 22 ar the nie of acelerton ven to Borrower pratt Seton IK sl be dered to ately the rece 36 opparany i ake eerste action ovis of is Section 20 21. Hazardous Substances, Axed inthis Seton 21< (2) "Hazardous Subataces” ate howe steer defo as toceoHaards stares, pola wastes by Erirnmenal Law ad the flowing anaes tesalive, orsere, oer flammable or ae peti prods, tote pestedex avs Rebs, vane evens ‘materials contining asbestos or formalcehy, and radicatve mates: (9) "Biren Law" mean eral {or and bw ofthe jrition whee the Property leet hat relate heat, safety re toner pote. (6) "Envischmeral Cleamp" acodes ay response action, remecial sci, or remoral acon, a defied {0 Envonment Law a88 (0) a8 “Ensiganmesat Conon” meas 3eooeton that ean ek, coe, of sterwie tigget an Ervconmental Cleon, Borraser stl ot extveoe pert the presece, se, espsal savage. release of sty Hartdons Substances cette cease ary Haid Satntees on rin te Tropes. Borrower tal ot, ror allow ayore eke tm do, anything aflesing the Property (a) hat in wolvion of any Environment Lv (8) which creates an Environments Coneton, o 6) hich, de othe pretence te, of tleae of 2 Hazardots Subst, exes 3 condlon that adversely aes the vate of the Property. The gveceding fo sentences shall nt apply tthe revere, , oF orig or the Property of al quritien of Hazards Sulatance that te geval ected to be ayuopite ta boumal cesderitosee ard to maierance of the Mapety (ching, tt ot mie To, Taanravesibtrces in conser prot) Borrower aa prongely give Lender weiten nce of) any investigation cli, demand, awit ater tint ary povermera ceptor agency ope partievalieg the Property anéany Hzarcors Sabearce ‘rEnwosmestl Lav of which Borrower haacral keep, (0! any Ensionmena| Contin, nehiding bot not Tinted any sing, leaking, cschcge, relent ge tzet of release of any Hazatcos Sitar, an) ory ‘sure casedy the presen, se oVlene of 9 Hazardon Sobtanse which adverse aes te value of he roperty. If Bourne learn, of notified by any yvernmeraal or reqdatry athe or any private rar, hat ty temoval or oer remeron of ary Hazan Sobwane afc the Peoperty is vecessary, Davee! stall Prompt tkeal reves email actos asencance wih Environment Lav Nabing heen sal eee sry ‘ligation on Leer fora Eniconment! Clem, NON-UNIFORM COVENANTS. thucrover and Lender futher coverart and ogre as follows 1 Acctlerathiny Remedies. Lander shall give ellce t» Borrower prlor tw acceleration felling ‘Borniver's breach af an sonenant or agrecientin hit Security ctrament (oe mot rir to aetleration under Section 18 unless Applicable Law provides otherwise. The nice sal specify: (a) the default @) the ation ‘eure to cure the deta (6) date, at les than 30 days rom the date the notes gsen to Bornimer by ‘which the defeat must be ered: and (hat fre to cre the di otic ay rst in aceleration othe Secured Dy ths SecarityTstrument and sale of the Property. The ‘ice shal farther inform Borers the right te enna after acceleraon and te right t ring a ceurt Action Wael the nem asence uf = {etal not curd ono bare the dat pied the natin, Lender all ys aeared by thi Scary Tstrannent thas For " power ot sale amt en) ther reais gored Uy Applaniie Laws Lendor skal been to eet all {npense incurred in parsing the rernedics provide fm ths Section 22, incleding, Wa mo imied reasonable ‘tornys fee a cnt of te erence Tender invoke the power nf sale, Lender shal give Rorvone, tm dhe manner prewided ia Section 15, soto of Lenders election to ll he Property. Trastee hal ve notice nf sae by public advertisement for the Cie sd the nannerpreseribed hy Applicable Law. Trane, without de ren, shal Prapert at public auction to the hipster fr eash at such time and place inact on {Cnty a8 Trestee designates the moti of sale none or more panels and many order Ts Unde o is desigace may purchase the Property at any sale. “easte shall Alver to the perchasr Traste’s ded conveying the Property ‘narrany expressed of lng, The recital in the Trane's deed salle prima facie esidence of the truth {rahe taiements mae herein Trustee shall apply the proceed of the sale fn the follwing oder: (a) tall fxpenses ofthe sae ncoing, bat ot Limited to, reavonable Trustee's and attorneys Fes: (0) foal sums Secured ly th Scary Tastrament and 0 any exes tothe person or persons ally enti 23. Release Uno poymert ofall sus seed byes Sexy Inver, Lender sal arc Secuity leseament I Tester ie oeted to cance thx Ser Laas, ll ots evidencing Get secre by his Srey lien shal be svete to Tastes. Borrower sal poyany recreation este Lender ray charge ‘FESO ne Fanly Fore ene ae TORU RSTRNT aac oar Hora a ceaBODK 22H PeGE Sty Dorrower fee for resin tha Seer esroment, bt ony ithe feiss toate panty Fr services rendered fr the charging af th fee spermine weer Apps Lv. 74 Subwitate Trane. Lender, at is oie, may flmtine atime rove Tree and again acecsur twas tn aby Trste apoirte heede by amie ment eed te county in which ths See iy Wrest \creeordeg. Wittnt conveyance of the Peper, the stccessr tee sal succeed al he ie, poss and dhe corfewed spon Tass herein and by Applicable La BY SIGNING UELOW, Borrower seeps rd agree to the ferme and covert conti in this Seety Instrument ad in any Rider executed by Borrower and scoded ith ae awe Sy Tote aoe Wa DFO ETRNONT ar emaceeage cre Puget 1BOOK B11 PRE S12 [S08 Bbw Ts Ue Far bn STATE OF A CSE 5570, 4 cour or ALndliser, Perunalysppened before me, the sndesigned astra for the Sle cont and Ht, on His 2 yop Decent within ny ition he win rane ‘Theodore M Dibisge Jk AND Eisten Dibiase ‘who aknowedged that hehe ens the shove an oegsing intnomet ea one, sz8s, NOTARY PUBLIC ‘Commexpires ‘aon 28, 022 WGah SHELRECE opgaATsaclO8: Rinasane Bone, Neuse 10 4026c9 ‘TRSRSPR rae ey Fase naan RCN FOR RSTRNT SSS fiom 38200" re Sa page vt atLoan Number: 6619110009 ROOK SBE. PAGE S13 FIXED/ADJUSTABLE RATE RIDER (UBOR One-Year Index (As Published In The Wall Street Journah - Rate Caps) ‘THIS FIXED/ADJUSTABLE RATE RIDER is made this 27th dayef ‘DECEMBER, 2019, and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, of Security Deed (the "Security Instrument") ofthe same date given by the undersigned ("Borrower") to secure Borrower's Fixed/ Adjustable Rate Note (the "Note") to RENASANT BANK ("Lender") of the same date and covering the property described in the Security Instrument and located at: 125 Rosedowne Bend, Madison, Missiesippi 39110 (Progeny Aces ‘THE NOTE PROVIDES FOR A CHANGE IN BORROWER'S FIXED INTEREST RATE TO AN ADJUSTABLE INTEREST RATE. THE NOTE LIMITS THE AMOUNT BORROWER'S ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MINIMUM AND MAXIMUM RATES BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial fixed interest rate of 3.750 %, The Note also provides for a change in the initial fixed rate to an adjustable interest rate, as follows: 4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates ‘The initial fixed interest rate L will pay will change to an adjustable interest rate on the frst day of UMNUARY, 2025 + and the adjustable interest rate [ will pay may change on that day every 12th month thereafler. The date on which my initial fixed imerest rate changes to an adjustable interest rate, and each date on which my adjustable interest rate could change, is called a "Change Date." (B) The Index Beginning with the first Change Date, my adjustable interest rate will be based on an Index. The "Index" is the average of interbank offered rates for one-Year U.S. dollar-denominated deposits in the London market ("LIOR"), as published in The Wall Street Joumal.. The most recent Index value available as of the date 45 days before each Change Date is called the "Current Index," provided that if the Current Index is less than zero, then the Current Index will be deemed to be zero for purposes of calculating my interest rate, Tf the Index is no longer available, the Note Holder will choose @ new index that is based upon ‘comparable information, The Note Holder will give me notice of this choice. IGUCTISTATE FIKEDIADJUSTABLE RATE RIDER - (WSU One ~ Vos" LIBOR Doctagic Garin Stage Fay» Faneva Maa UNIFORM INSTRUMENT sro Semagiacom Poon 3187 6/01 (ev. 6/76) Page 1 of 4BOOK SSit PAGE Sis (©) Cateulation of Changes Before each Change Date, the Note Holder will caleulate my new interest rate by adding ‘THREE AND 500/1000 percentage points ( 3.500 %) the "Margin") to the Current index. ‘The Note Holder will dhen round the resull of this adiion tothe nearest one-ighth of one pescentage point (0, 125%). Subject1o the limits stated in Setion 4(D) below, this sounded amount will be my new interest rate ntl the next Change Date “The Note Holder will then determine the amount of the monthly payment tht would be suficent to repay the unpaic principal that Lam expected to owe atthe Change Date in fll onthe Maturity Date at my new interest rote in substantially equal payments. The result ofthis calculation will be the ew amount of sy monthly payment (D) Limits on Interest Rate Changes ‘The interest rate I am cequited Wo pay at the fist Change Date will not be greater than 5.750 % oF less than 3.750%. Thereafter, my adjustable interest ate will never be increased or decreased on any single Chenge Date by more than two percentage points {rom the rate of interest I have been paying for the preceding |2 months. My inlerest rate will never be greater than 8.750 % or less than the Margin (E) Bxfective Date of Changes [My new interest rate will become effective on each Change Date. I will pay the amount of my new ‘monthly payment beginning on te first monthly payment date after the Change Date until the amount of my ly payment changes again, (F) Notice of Changes The Note Holder will deliver or mail to mea notice of any changes in my initia] fixed interest rate to ‘an adjustable interest rate and of any changes in my adjustable interest rate before the effective date of any ‘change, The notice will include the amount of my monthly payment, any information required by law to be ‘2iven to me and also the ttle snd telephone number of a person who will answer any question [ may have regarding the notice B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER L. Until Borrower's initial fixed interest rate changes to an adjustable interest rate under the terms stated in Section A above, Uniform Covenant 18 of the Security Instrument shall read as follows: ‘Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest inthe Property, including, but not Limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of tile by ‘Borrower at a future date to a purchaser. fall or any part of the Property or any Interest in the Property is sold or transferred (or i Borrower is not 2 natural person and a beneficial interest in Borrower is sold or transferred) ‘without Lender's prior written consent, Lender may require immediate payment in full ofall sums secured by this Security Instrument, However, this option shall not be exercised by Lender ifsuch exercise is prokibited by Applicable Law. WULTISTATE FICESVADIUSTABLE RATE RIDER WSU Ore - Voor LGOR Boctagie Gaara ‘Sirgla Fantly - Fareve Mae UNIFORM INSTALMENT nn deragie Com Form 3187, 6/01 ew 6/8) Page 2 of 4BUCK BLL PAGE S15 IC Lender exercises this option, Lender shall give Borrower notice of acceleration. The police shall provide a period of not tess than 30 days from the date the notice is given in accordance with Section L$ within which Borrower must pay all sums secured by this Security Instrument, If Borrower fails to pay these sums prior to the expiration of this period, Lender -may invoke any remedies permitted by this Security Instrument without further notice ot demand ‘on Borrower. 2. When Borrower's initial fixed interest rate changes to an adjustable inlerest rate under the terms sated in Section A above, Uniform Covenant 18 of the Security Instrument described in Section BL above shall then cease to be in effect, and the provisions of Uniform Covenant 18 of the Security Instrument shall bbe amended to read as follows: ‘Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, thse beneficial interests transferred in a bond for deed, contract for deed, installment sales contract of escrow agreement, the intent of which is the transfer of title by Borrower ata future date to a purchaser. [fall or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower isnot a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior writen consent, Lender may require immediate payment in full of all ‘sums secured by this Security Insirument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law, Lender also shall not exercise this option if: (@) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender, To the extent permitted by Applicable Law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender also may require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to Keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section LS within which Borrower must pay all sums secured by this Secarity Instrument. If Borrower fails to pay these sums prior to the expiration ofthis period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. WOLTISTATE PIREEYAGIUSTABLE RATE RIDER - WI One Sragle Famtly = Farrve Mae UNIFORM INSTRUMENT Pom 3187 6/0" fe. 836), Page 3 of 4 7 GOR DocMagic Gore sm doerasgie comBOOK TELL PAGE 516 BY SIGNING BELOW, Borrower accepts and agrees (0 the terms and covenants contained in this Fixed Adjustable Rate Rice, Theedore WDiblese aR 7 Aower (Seal) Eeeeesee ee eee eee ECE Her (Seai) “Borrower “Borrower (Seal) scaly “Borrower Borrower GOCTSTATE FIKEDIADIUSTABLE RATE RIDER —WSI Ono ~ Yeor TIBOR Dociagic Corie ‘Single Famiy Fannie Mae UNIFORM INSTRUVENT SonScemagi com Form 9187 610" (oy. S78) Page 4 of &BOOK 3812 FREE SLT he Exhibit A Lot R-8 ROSEDOWN ~ BLOCK “R” @ REUNION, a subdivision according to a map or plat thereof which is on file and of record in the office of the Chancery Clerk of Madison County at Canton, Mississippi, in Plat Cabinet E, Slide 50B- 51A, reference to which is hereby made in aid of and as a part of this description.