6
HARMON LAW OFFICES, P.C. 150 CALIFORNIA STREET NEWTON, MASSACHUSETTS 02458 TEL (61 7) 5s8-0500 F AX (617) 244-7304 Business Hours: Monday-Friday 8:00 AMto 5:30 PM SERVING MASSACITUSETTS. NEW HAMPSH]RE AND RHODE ISLAND May 22,2015 Mr. Tim A. Bryant 80 Bradford Dr Feeding Hills (Agawam), MA 01030 NOTICE OF MORTGAGE FORECLOST]RE SALE Re: HSBC Bank USA, National Association as Trustee for GSAA Home Equity Trust 2005-15, Asset- Backed Certificates, Series 2005-15 I Bryant, Tim A. and Michelle M. Pursuant to Massachusetts General Laws, Chapter 244, Section 14, as amended, enclosed is a copy of the Notice of Mortgagee's Sale of Real Estate. Also enclosed is a Deficiency Notice. This notice is provided to you because an examination of the record title shows that you held an interest of record in the property thirty (30) days prior to the sale. If you want to reinstate or payoff the mortgage, you may order a reinstatement or payoff 24 hours a day on-lin" by going to www.hloreinstatement.com or to www.hlopayoff.com. Please follow the instructions contained on the web page. Please note that only requests made by owners, borrowers, mortgagors and authorized parties will be processed. You may also contact us during business hours to request a reinstatement or payoff by calling (617) 558-0598. When completing the on-line form or when calling our office, please reference your Case Number 201202-0994, so that we may process your request more quickly. Our experience has shown us that you are likely to benefit if you allow qualified bidders at the foreclosure sale to enter and inspect the premises. This may result in a higher purchase price. If you are willing to allow qualified bidders to enter and inspect the premises, please be present at the time of the foreclosure sale. HSBC Bank USA, National Association as Trustee Certificates, Series 2005-l 5 Present holder of mortgage By its Attorney, Harmon Law Offices, P.C. for GSAA Home Equity Trust 2005-15, Asset-Backed AFF,NRA/2O 1 202-0994/Enclosure PLEASE BE ADVISED THAT THIS OFFICE IS ATTEMPTING TO COLLECT A DEBT AND THAT ANY INFORMATION OBTAINED WILL BE USED FOR THAT PT]RPOSE.

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2015 copy of the note provided by Harmon Law Offices, showing an undated endorsement by David Spector of Countrywide Home Loans. Spector had left CHL in August 2006, and CHL went defunct in 2008.

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  • HARMON LAW OFFICES, P.C.150 CALIFORNIA STREET

    NEWTON, MASSACHUSETTS 02458

    TEL (61 7) 5s8-0500F AX (617) 244-7304

    Business Hours: Monday-Friday 8:00 AMto 5:30 PMSERVING MASSACITUSETTS. NEW HAMPSH]RE AND RHODE ISLAND

    May 22,2015

    Mr. Tim A. Bryant80 Bradford DrFeeding Hills (Agawam), MA 01030

    NOTICE OF MORTGAGE FORECLOST]RE SALE

    Re: HSBC Bank USA, National Association as Trustee for GSAA Home Equity Trust 2005-15, Asset-Backed Certificates, Series 2005-15 I Bryant, Tim A. and Michelle M.

    Pursuant to Massachusetts General Laws, Chapter 244, Section 14, as amended, enclosed is a copy of theNotice of Mortgagee's Sale of Real Estate. Also enclosed is a Deficiency Notice.

    This notice is provided to you because an examination of the record title shows that you held an interest ofrecord in the property thirty (30) days prior to the sale.

    If you want to reinstate or payoff the mortgage, you may order a reinstatement or payoff 24 hours a dayon-lin" by going to www.hloreinstatement.com or to www.hlopayoff.com. Please follow the instructions

    contained on the web page. Please note that only requests made by owners, borrowers, mortgagors and

    authorized parties will be processed. You may also contact us during business hours to request areinstatement or payoff by calling (617) 558-0598. When completing the on-line form or when calling

    our office, please reference your Case Number 201202-0994, so that we may process your request morequickly.

    Our experience has shown us that you are likely to benefit if you allow qualified bidders at the foreclosuresale to enter and inspect the premises. This may result in a higher purchase price. If you are willing to allowqualified bidders to enter and inspect the premises, please be present at the time of the foreclosure sale.

    HSBC Bank USA, National Association as TrusteeCertificates, Series 2005-l 5Present holder of mortgageBy its Attorney,

    Harmon Law Offices, P.C.

    for GSAA Home Equity Trust 2005-15, Asset-Backed

    AFF,NRA/2O 1 202-0994/Enclosure

    PLEASE BE ADVISED THAT THIS OFFICE IS ATTEMPTING TO COLLECT A DEBT ANDTHAT ANY INFORMATION OBTAINED WILL BE USED FOR THAT PT]RPOSE.

  • HARMON LAW OFFICES, P.C.I50 CALIFORNIA STREET

    NEWTON. MASSACHUSETTS 02458

    TEL (617) 558-0500

    FAX (617) 244-1304Business Hours: Monday-Friday 8:00 AM{o 5:30 PM

    SERYING MASSACHUSETTS, NEW HAMPSHIRE AND RHODE ISLAND

    }lday 22,2015

    To: Mr. Tim A. Bryant80 Bradford DrFeeding Hills (Agawam), MA 01030

    you are hereby notified, in accordance with the statute, of the intention of HSBC Bank IISA,

    National Association as Trustee for GSAA Home Equity Trust 2005-15, Asset-Backed Certificates, Series

    Z0O5-I5, on or after June 24,2015, to foreclose by sale under power of sale for breach of conditions, the

    mortgage held by it on property situated at 80 Bradford Drive, Feeding Hills (Agawam), Massachusetts, said

    mortgage dated Septemb er 23,2005, and recorded with the Hampden County Registry of Deeds at Book

    15365, Page 423, said mortgage given to secure a note signed by you, for the whole or part of which you

    may be liable to HSBC Bank USA, National Association as Trustee for GSAA Home Equity Trust 2005-15,

    Asset-Backed Certificates, Series 2005-15 in case of a deficiency in the proceeds of the foreclosure sale.

    No deficiency after the foreclosure sale may be pursued if you have obtained or will obtain a Chapter

    7 bankruptcy discharge that covers your obligation under the note secured by the mortgage referred to above.

    No efforts to collect any deficiency may be undertaken without bankruptcy court approval while a

    bankruptcy proceeding is pending.

    HSBC Bank USA, National Association as Trustee for GSAA Home Equity Trust 2005-15, Asset-Backed

    Certificates, Series 2005-1 5By its attorney,

    Harmon Law Offices, P.C.

    AFFt201202-0994

    PLEASE BE ADVISED THAT THIS OFFICE IS ATTEMPTING TO COLLECT A DEBT ANDTHAT ANY INFORMATION OBTAINED WILL BE USED FOR THAT PI.]RPOSE

    DEF'ICIENCY AFTER FORECLOSTIRE OF MORTGAGE

  • (Pagel ol 72]-

    7ttPrcpred br: ALIC^ CRPOSTOMO

    THIS I{OTE CONTAINSTO AN ADJUSTABLEI{OTE LIMITS THETIME ANDTHE

    gEPTEMBER 23, 2005IDlt!I

    l- SORnOWER',S PnOMTSE 1'0In rctum for a loan that l have

    plus intercst, to thc oder of lrndc.r,COUNTRYWIOE HOI,IE T,OANS, II sill makc 6ll paymcnus undcr this

    - I undcnland lh$ Isrdcr maylsccivg paymonas uo&r lhjs Note is

    2. INTERESTIotorcst will bc chugpd or

    ratc of s , 645 %. Thc intercsr

    P,o. Box 660694, Dellas,or at r diffcrcnt plrcc if rcquircd by

    My monthly paymcnt will bc?aymentDuc Darc, and thcresflc(dcscribcd in Scdion 4 of this Notcprior to thc due of charrgo in

    (C) MoDlllly Psymcnl

    coNv. l,ltiLYFTAlE rd.,qrl Oil, AAIUSIABIE2D00s-xx 101r00'tdl

    IOAN T; 114?26037

    ly'" ADTSTABLE RATE NoTE(OneYcar Indcx (As Publishal inThe Well Street Jorrnal) - Rab Cap)

    ALLOWNG FOR A CHANGE hI MY FIJGD II{TEREST.RATEiST BATE AND FOR CHANGES IN IIY MONTHLY PAYTIENT. THISMY ADJUSTABLE INTEBESY RATE CAN CHANGE AT ANY OttIE

    hATE I MUST PAY.

    TEEDING SIIJIS MASSACHUSETISlCityl l$rc,

    DR, FEEDING ttrLlS, l.rA 0103c-2728{PFDsly Addwl

    I promise to pay U.S. $ 228, 000. 00 (thh amouut it catted "Principal")'

    in $e form ofcarh, check orrnoney order,this Note. Lnder or anyoflc who bkes Ois Notc by aansfcr and wbo is cntialcd to

    ths "Note Holdcr.''

    prirc,pal urtil &d firll ur*ount of Piincipal has becn p&id. I will p&y intclctt at a ycatlyI will pay may chungc io accordrnoo widr Soction 4 of thb No{e,

    Thc iotcrc.sl rale rcquired by Sccrion 2 and Scction 4 of this Notc is the ratc I will pay bolh bsforc rod aftcr uny dcfaultdcscribcd in Scdion ?(B) of thir

    3, PAYMENIS(A) Tlmc end Place ofI rlill makc a psymcnt on thc irst day of cvcry monrh, beginning on NoVEHEER 01, 2005

    Bcforc he Fir*t Prinsipal rndths iDtercfl duc on thc unpaid

    Paymdlt Drtc Datc as dcscdbcd in Scdion 4 o( this Notc, my paynrcnt will consisr olly ofbrlaflc'e of this Notc. 'Ihcrcafcr, I will pay principal and intcrest by making a Payrnenl

    cvery motlth &i providcd bclow.I will make my mon[rly ofprincipal afld intrrcst beginning on lhe First Principal aod Intcrcst P8ymcnt Duc D0lc

    as dcscribcd in section 4 ot lhis I will fiukc lhcsc payrnsne cvcry nonlh until J hevc paid oll of thc principd and inorsstand any othcr chugcs describcd that I may orvs undcr thi,s Nolc. Bach monthly p{ymcnl will bc applicd as of itsschcdulcd due date, arrd if fte inclrrrlcs borh principal rnrl in(ercst, ir will be applied to intcrcst bcforc Principal, I( onocroBER 01, 2035 ,t

    rhe'lvlautrity Datc."owc amo0nb undcr this Note, I witl pay Ihose a$ounls in full on lhat drtc, $hich is crlled

    I witl 6ake my rnonlhly?5266-0694

    Nolc Holdci.(8) Anount of !!ty Inillgl Pst''lcnh

    paymcot,

    Changes in rny monthly will rolloct changcs in the unpeid prittcipal of my loan ond in thc intcrcst nts ilral I mustmy ncw inbrcsl nE and thc chaogut unount of my rnontbly glymoot in sccotdflre rvhh

    amountof U,S, $ 1, 068, 75 botorc lhe Fint Principal ard Inlcrcatbc in an amrnnt sufficicnt to rcpay thc principal and intcrcrt at thc mts dctgtmincd 8s$bslanlirlly oqtlal in$taltmcnh by tbc Maruriry Dlte. The Nolc Holdr witl nolify mc

    I'IOTE. ONE YEAR LEoB lNttxPlip t ol4

    pay. Thc Notc Holdcr rvillSeclioo 4 or 5 of fiis Notc,

    n*.,sL

    N

    iltililllllll.2390r' 6lA r 901 ffi1tlffi ilffi ilf,$fl il ffi ilnffi il ffiiffi ffi il|illililffi Itffi! I I 4 7260070000020806'

  • lPagez ol 72)

    aIJOAN t: 1r{?2503?

    AND MOMHLY PAYMENT CHANGES

    Thc iritisl nrcd inlcrc$! ratc I pay eitl ch{Ilgs to an adju|crblc ifllcrast mtc orr thc fir3t day otOCToBER. 201.0 , and lhc inlcrast ralc I will pay may change on tlrrt day gvcry l2th olm$ rhcltaftcr. ThcddD on wlich my initial fixcd rele chantcs lo ar sdJusoblc lnlErest rarc, and erch date on which my edjustablo intcortrac couH changc, is catlcd a

    (B) Thc IndcxBcginning wilh thc firat my adjustablc intercet ratp will bc bucd m an lndex. Thc ''lndcr." is tho 0vcrogc of

    inErbank offcrcd nhs for orrc'ycrt , dolltr-dcnominaed dcJrosite in ilc Irndon ma*et (LI8OR). as publi$ed nlhc WallStreet JounnLlhe rfirsl ftccnlIrxlcx,"

    figurc evailablc as of the datc 45 days bcforc cach Cbange Datc iN callod thc "cuncnt

    If the Indcx iB no longcr lhc Nolc Holrlcr will chooce a now indpx that h ba.:c.d upon compt'eblo informetion

    r!'

    4, ADJUSTADLEINTENSST(A) Chrngc Drtrs

    Thc Noto Hok c! will givc mc ooticc(C) Cslcrhtioo oI ChrqcaBoforo cach Cftangc Dato, the

    TI{O '

    ONE-QUARTER

    It a lrw, which rppliEs to lhislosn chsrgos colloctcd or lo bs

    me thlt er$cdcd petnillcd limihPriocipd I owc uodcr UfB Nole oras I p8(tial PrcP[ymcnt.

    choicc.

    Holdcr will calculotc my now intcrc$ crie by eddingDornts( 2.250 rk)tothcCurrcntIndcr.ThcNooHoldet

    rouDd tlE n6ult of rhis oddirion lo nearcn onc-cighlh of onc pcrgcntsgc poin! (0.125%). Subicci to &e limi$Secdon 4(D) bclol', lhir ruJndcd

    Thc Noc Holdcr will ficr:principal fru I am cxpcctcd lo owcpaymcnK, Thc rqsulr of IhiE

    (D) Llmtts on Inlorcal RstctJpay at thc liat Changc Dao will no! bp grgalcr lhim lD'625 ch or lc's$ thrnThc intcrcst ralc I arn

    2.250 96.Thctcrfer.my intrre$ ntc wilt nevcr bc incrca*d or dccrcascd on any singlc Changc Dals by mqcrhrn two pcrcenlllgc poine fiom thcbc grcater than 79 .625 %,

    (g) Ellcclivc Dstc of Chrngs

    of intrrcst I hrvc bccn paying for hc prccaling 12 mon$r' My inlclest late s'ill tever

    My new incrcst rotc will effcctivc oo cach Change Datc. I will pay lho 0mount of my ncw moDlhly payolcntbcginning on thc frst monthly

    (trJ Noticc of Chsngcrdals aflcr thc Chsngc Datc unlil thg Errount of my monthly Paymcnl dlangcs e8aln.

    Before tlrc eflectivc dstc of any in my intcrcsr nlc 8nd/or monthly paymcnl, thc Notc llolder will dclivcr or mail to

    mc a noticc of such changc. Thclplcphonc number of a pcrcor who

    will includc informslion rtquired by law 10 bc givcn rr mc and al.so thc tiilc anducwcrany qucstion t may have rcgnding thc Kltice.

    (G) Datc of l'trsl Priocipsl Inlrrcst PaymcntThc drrc of my finl prymcn! of borh principal aad intorc,st on lhig Notc (dlc 'First Principal and Intcest

    P&ymcnt Dus Da{e") rhall be thc paymcnt date aflcr the fir* Chango Dotc

    5. BOI'ROWER'S RIGHTTO

    will thcostrlc.d in

    I hnvc rhc right to rnokc"Prcpaymcnt." Whcrt I tmkc apaymcnt as a Prcpayment if I have

    I may makc r full Prcpay(tlclltmy Prcpaymcnls to rcducc lhcPrcpaymcnr to fts sccrucd andPrincipal smount of tho Noo,lf Iunlc,ss thc Notc HoldcraSrccs in,psymcnts mnsist only of lntcrsl,prlmcns conqist ofonly intercsl,and intcretl my partial Prcpaymcnt rcducc (hc 0mou0! of my monthly paytlenLJ after thc firs! Chango Dore following my

    parliNl Prcpayment. Horvcver, lnY due to my partlal Prepoynrunl mly bc offset by an intcrcsl ratc incrcasc'

    6. LOAi{CUARCI:S

    will be my ncw inlcrcst rats unril ths ocxl Chdlgc Dstc.r 0rc amount of Oc moothly pEymcnt 6al would bc srrflrcicrrl l,o rcpay lhc unpoid

    of Principal at any tirno bcfore tbcy ue due. A paymcnt of Pdncipal only is known 8s ancnt, t vjll tcll thc Note Eolder in writing $at I am tloing ro. I may nor dcsigrratc a

    mEdc all the monrhly prymcnts duc under this Notc.r pertial Pquyrncnr. *itttout paying any prtpsymcnt ciuge. Tho Non Holder will use

    of Principal that I owo undor thit Nota. Howcvcr, *Ie Nole Holdcr rnay spply myinorest on the Prcpaymcnt smount beforc applying lny Prcpaymcnt o rcducc thc

    o panial PrcpaymonL ftere win bc no changcs in olc duc datc 0f my ntonlhly paymenls

    to rhosc changx. If tlrc partial Prcpayment is nrade during 6o period whon my monthlyrmouot of lha mondrly payment will dccrcasc fot thc rcmaindcr of illc tetm whcn my

    c partful PrcPaymant ii rndc dnring thc pcriod wtren rry paynrent's consist of principal

    and nhich $c[s marimum loan chargc.s, is fnully intcrprctc{l ro f}at lhc intslcsl or olhcr

    in cgnnccFon with lhis loan exceed fte pcrmittcd limitr, rhcn: (a) any such loan charge

    makilg a dinct paymelt to flc, If a rcfud rcxluccs PrinciPal, the reducdon will bc ftealed

    shall bc nduccd by lhe smount to rcduce Uc chatgc lo thc pcrmillcd linit; and (b) ony rirrms alresdy coltec{ad frombc rcfundcxl to mc, Thc Notc Hotdcr may cbmsc lo .n8kc lhis rcfund by rcducilg lle

    7. BORROWER'S FAILURE TO AY ^S

    REQUIRED(A) Lrac Chrrgs lor PcymcnlsIf ilre Notc Holder hari not lhc full rmounl of any monthly psymmt by the cnd of FTFTEEN

    day$ aftcr thc datc it is due, I willovcrduc paymcnr of intcrc.st, duringpry ll)is lstc chugc prompily bul

    (B) Dcfuull

    coNvr MULTTSTATE hlorct Oilt2o80txx (0's0J)

    a talc cha{gc to ftc Note l-loldcr. Thc 0rnount of thc charge will be 3 . 000 % of myrc period w-hon my poymont is intorcg ctly, and of principsl rtld inrcrcsa thctcsfcr. I willone on each .lao payrncnl

    crlcndar

    [[ I do not pay lhc full anount coch monthly Jraymcnt on thc dsto h i,s due, I will be in dcfault'

    trr,&

  • (Page 3 or 72)

    aLOAN ll: 114?2503?

    (C) Noalcc of D$faultIf I am in dcfsull lhc Norc may send mc o writtcn noficc l,clting mc thrt if I do not pay tho ovcrduc amount by a

    certain da&, lhc Notc Holdcr msyinlcrcst bat i owc on thrt tmount,dclivc$d by othcr t'ranj.

    (D) No Wllecr By l{otcEvcn if, at a timc when I om in t{ul( thc Notc Holder does nor rcquirc mc o pay immediatcly in full as doscribcd obove

    to do so if I am in dcfiult st s latc.r lirrc,thc Note lloldcr will rtill have ttn ri(E) Payneot otNolc tloldu'rIf thc Nus Holder han nquircd

    rnd Expenscs

    poid back by mc for oll of its c{,ruu: pay immediarly in full as de,scdbcd abovc, t}c Noo l{oldcr will htvc thc right l0 bocxlrascs in cnfocing tiis Nolc to U|c Crtcnl not prohibilcd by af,pl,crbb lsw, Those

    cxpc0$cfi includc, for oxarnplc, attorneys'feo,1,

    t. GIVING OF NOTICESUnlcrs applicablc larv rcqulrcB diffcrcnt mshotl, any noticc tftar muil be dvco lo mc un&r tbi6 Noro will bc given by

    dclivcring it or by mailing ir by nrEtHolder r noticc of rny diffarcil gjdr

    mail lo mc B! lhc Propcrty Addrcss abovc or at a different add!6s if J givc lhc Note

    Unlcss thc Notc Holdcr a diffcrcnt mcrhod, any nolicc lha. rnusr bc givcrt (o tic Noc llolde! uorlcr this Nog willbc gi\rn by nailing il by first class !o the Noo Holdcr u thc oddress slaicd in Scction 3(A) aboyo or at a differcna .ddrEssifl lrn given a rpricc of thn

    9. OBLIGATIONS OF PERSONS THTS NOTE

    mc 1o pay immcdiatcly lhc full unount ofPrincipol ft01 hae nol beo peid anrl sll thcda(e must be st lca$ 30 days afrcr rhc datc on which thc nodce is mailcd to me or

    alro obligatcd to do $esc ftings, prson wfto hkcs ovcr thcsc obtigdion8, iflcluding thc obli8aliocs of a 8u8runtor, roretycd lo kccp all of Oc prcniBes madc in rhis Nolc. ltc ltrc Holdd may enforcc ils rightsor cndorser of lllis Note, is rlso

    undcr 0tis Notc against crch pcrson or sgainst sll of us togcahcr, Thir mcars tlrat any onc of us may be rcquirod topqy oll of th ar'noun$ owed undcr Notc.

    10, waIvERsI rd any orhcr pcnorl who obligstions under this Nob waivc lbc righ(s of Prc*ntmcn! and Noticc of Dishonor,

    "Prosenunenr' rneans the righ! to lhc Nolc Holdcr to demand psy.Dcnr ofamounlq duc, 'Noticc of Dishonor" mcant lheright ro rquirc Oc Notc Holdcr lo nolicc lo othcr pcrsons thll amounl'i due havc not bccn paid.

    rT, UNIFORMSECUTIED NOTf,,This Notc is a uoifonn ins

    Note Holder undor this Notc, awilh limircd variatiorr,s in somc jurisd'rclions. ln aftJilion to lhg protcc{ions given to fte

    Deed of Trusq or Security Dcrd (the "Security Insrumcot), datal 0r srmc datc !E

    If morc thrn onc pcrson siBnsthis Noe, including the prcmioe to

    this Notc, protcct$ thc Noe Hol&rTbat Sccurity Instn mcnt dcscribcnamounts I owc under this Noo.

    ooNvo MttrflsT lE htq6tody AU.USTTELE2Dotxx (04/03)

    Notc, coch pnon i[ frllly snd pcrsordly obligeted to lcccp all of thc pmmissr madc in[re full aspunt owod. Any pceon who is a gouanor, Nultty ot cndorset of lhis Nolc irl

    grssiblc .la*scs that might rgsutl if I do nol kecp thc pomisas that I mrke in lhir Notc,rnd uudcr whst condilions I rrny bc rcquircd to mekc imrncdiae p{ymcnt in (ull ofall$cxJc conditions rcad u follows:

    NOTE. ONE YEAR LEON II\DEXPl9r3 ol 1

    (A) Uotil rny initial fixcd mu chengos t0 an rdjusrablc in(grcst ralc undcr lhe Enn$ shrcd in Scclion 4 abovc,Urilorm Covenail 18 of thc shall rcad at followc:

    Trarufcr 0f t&c 0r I llcncllcirl Intcrost tn Borrower, ,{,s uscrJ in this Scction 18, "Inorcst in thcProperty" medrs any lcgal or intcrcs! in lhe Pt$pcrry, iocludint, but not limited io, those bcncficialintcrcsB tmnsfcficd in a bond dccd, cootao for docd, irstsllmcnt rslcs conliactor escorv agrccmcoq thc intcnt ofwhich is rjrc uensfer of titlc by 8t a ftrtrrc dale b I purchascr,

    Ifall or any pan of Ulc or any intcrcst in it is iold or ransfcrrcd (or if Bonowor is not a natural pcrsonsnd a belclicirt intcrrot inoprion, requirc lmmedistc

    is sold or tr.msferrc{) with{rut lrflder} prior fiittan conscnt, I4ndcr I'ny, 8l ilsin fsll of all *ums securd by thi$ Seaurity Instdmcnt. Howevcr, thin optiun shall

    nol be cxcrcisal by l,endcr ifIf lcndcr crcrcises fiis

    is prohititcd by fcdcral law,l.cnder shall give Bornrwcr ootice of accclcration. Tbc noticc shall govidc a

    pcriod ofnot lEsc than 30 daysmust pay 0ll 6!ms rccurd by

    lhc dac thc noticc ie givcn in eccordancc with Scction 15 rrithin which BorowcrSccurity Instlumcnt. IfBonower fails lo poy ftcse sums prior to dle cxpitsdon ot

    tiis DcriorJ, I*ndcr mayon Boarowct.

    rcmcdics permiued by thh Sccurily Instrumcot *ithout furdrcr notice orrlcnand

    (B) Whcn my inilial ftxcd nlc changcs ro an adjusmblo inlerc,st rare undcr llte tcrms slsrcd ifl Sectron 4 0bove,Uniform Covcnrnt 18 of tlrcCovcnant 18 ofthc Sccurity

    Inslrumcnt daJcribcd in Soction I l(A) abovc ihail theo ccase to bc in cffcat, and Uniformshall instead read a* follows:

    Transfcr of the or r S0ncficisl lntcrcst in llorruner, As uscd in this Scrdon 18, 'Intcrcst in lhcbcflcficial lntcrcst in thr Propcrty, including, but no( limitcd to, tho$c beneflcidlP$pcny" mcels any lcg{l

    lntcro,srs urnsfcrcd in a bond decd, contr8cl Ior dccd, itstEllmeflt sales conlract o{ osctow agtEcmgn! 09 inicnt ofwhich is lhe rr8nF[erof tide by at a fururc datc lo a purchascr.

  • (Pr!e4 ol 72)

    e7

    LOAN {: 114'?2603?If slt or a,ry DMt of thc

    natural pereon and nLcrdcr may rcquire illholl not bc r,xcrcitcd byoplist if: (a) Bormwor causar be submirted to i*nder i.lfonnatioil rcquirsl by Londcr m evrlurle Uc inlcoded

    ]perry or any Inlctcs1 io the Propcrly is sotrJ or transfctrcd (or if Bonowcr i8 nol 0itrterist ir dorruwet is told or tran$fsrcd) without lande/s prior wriltcn contenl'lymcnt in full uf all rums scsrcd by thir Sccurity Inslrumcnl' Hov,evcr, lhit optiotl

    ii euoh orcrcicc is ptohibilcd by Applicblc law, Lcndcr also ihall not exstcisc lhis

    bcing marlo to the usosfcrec; orld (b) Lendcr $0$odably iletctmincs lhnt Lnde/ttho l-oan osrunrptlon and thar tho rieh of a bodr of uty covcn8nt or a8lromc'lt in

    t sr$(e$3 u if a ncw loartsocurity will not be impoircdthis Sccurily hrstrur[ont io

    To thc BrEtrr pergtlucdconScnt to (hc loE lscccplablc t0 l,ndcr rnd lhotin this Security Inslntrnen!

    If l,ndcr arscit$ theo$cler{tion. The noticc rhallwith Scction 15 withirt which

    t0 Lcndcr.Applicable Law, Irnder may chargq a re8$olDbls fec t$ 0 corldifon lo Lendet't

    LiiOc, tay alro rcqriit rh* u*tl",* to tJiSo sn ss$umption o8.t"q9u:: thtt i:rtre-rrirnitcroe rb kcep rll thc pomisce anrt agrcomort.t madc iu tftc Notc and

    will con[rruc ro bc obligatcd utdc( 0lc Nou end this Ser:urity ]nlt$mcnl

    unlcs$ [$dcr rclceScs h writing.rutrt.rc'r,cquitu irilnodislc peytr'cot h full, I*rdcr-shall Sivc Eonower rclicc-ola pJoU ot nor lcs.r drs; !o davs ftorn the daro thc noticc is sil* i1.i1oi-9":

    must pqy dl sums sc*-urtttiy illis Sccuriry InstlunEnt' If Bonov/et fails,to

    poy rhcse gurns Prior lo thc oi-,rtto pLi"r. frnder nuy invokc atty rcn*dies pcrtlillc{r by llris Sd'iry

    Inotrurnerrt wilhotl! furlha or dcmartl onSorrowct.

    W'TNESS THE IIAND(S) AND OF THB UNDERSIGNBD.

    Chrlellne E. l{ebstet

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