28101

RecOrdiilg Requested By:REGIONS MORTGAGE

When Recorded Return To:

SANDRA MCALPINREGIONS MORTGAGE215 FORREST STREETHATIIESBURG, MS 39401

IlumDlnmIRIUIIHiIlUIIUI~llrnlnllmln~ECertificate of Satisfaction

REGIONS MORTGAGElUPBNA #:0000006915043 ·SANTANA· Lender ID:A121065/0103922555 Montgomery. MarylandKNOW ALL MEN BY THESE PRESENTS:That UNION PLANTERS BANK. NATIONAL ASSOCIATION does hereby acknowledge that the indebtednesssecured by a certain Deed of TrusVMortgage made by MARIA J, SANTANA; SOLE OWNER to UNION PLANTERSBANK. NATIONAL ASSOCIATION and Dated: OS/21/2001 and recorded 06/2212001 among the land records of

. -Montgomery County/Cityrvlaryl,md. in' BooklRe'elltiber: 19330 Page:299;has been fully paid and discharged. thatUNION PLANTERS BANK. NATIONAL AssociATION was. at the time of the satisfaction. the holder of the Noteand Deed of Trust/Mortgage, and that the lien of the Deed of Trust/Mortgage is hereby released.

Assessor'slTax 10 No. 2-1-18846Property Address: 23530 FREDERICK RD. CLARKSBURG. MD 20871

Witness the hand and seals of the holders of the said Deed of Trust Note/Mortgage below on date as indicated,

In witness whereof, the holder of said Deed of Trust Note/Mortgage has caused this instrument to be executed in itsbehalf by its agent. \\\1111111111'",

\\\\ "'K'" flt/~" 1""" '''-'I'' //~ ~ '/O·~e "'~""'~PO';:'""V. ~~ ~...••••<,0 '9,>- -, 11: ~i e--v: 0::..00 ((\ -.~ s:: 2:: t!:"EAL >if, FD C.IJRE~ '5 ~.0 :fg IIrTi'lI"ll'IIl'u- 'trc~ ~ .• •.0; ~! •••uru. I'" rr..t.~ "'0....1869 .•••~{5~TAL

~1.1'''Jrir;NO\~~~~Reg; 1!0087//Illtl/lllll\\\\\'" MOR RC

Noll 221 20ll,

UNION PLANTERS BANK. NATIONAL ASSOCIATIONOn November 5th 2004

STATE OF MississippiCOUNTY OF Forrest

On November 5th. 2004. before me, PATSY L WELBORN, a Notary Public in and for Forrest in the State ofMississippi. personally appeared Sandra McAlpin. Assistant Vice President. personally known to me (or proved tome on the basis of satisfactory evidence) to be the person(s) whose name(s) islare subscribed to the withininstrument and ackno ledged to me that he/she/they executed the same in hislher/their authorized capacity. andthat by his/herltheir gna n the instrument the person(s}, or the entity upon behalf of which the person(s) acted,exe ed the instru en

'RF"RFUNPL Of ll()512004 12:55:55 PM' UNPl01UNPlOOOOOOOOOOOOOOOOt21049° MDMONTG' 0000006915043 MOSTATE_'rRUST_REL 'RF'RFUNPl~

Ol~'OJ :.L. ': /~lHuWj:lIJJlI s ..:.'.~I318

MO CIRCUIT COURT (Land Records) [MSA CE 63·28661J MQR 28707, p. (ij4Q.l~~•.& \~R~2008 Online 11/29/2004.o':;lr.:l

18031 228

DEED - FEE SIMPLE

FILENO. 11719

TAX \.D. NO 18846 /

Title Insurer: First American Title Ins. Co~

THIS DEED made this /4 dayof~ rr I I ,2000, by and

Between KEVIN E. L6s0N AND ANGELA E. LAWSON, Party(ies) of the first part,

/GRANTORS, and MARIA J. SANTANA, individually, Party of the second part, GRANTEE:

WITNESS, that in consideration of the sum of One Hundred Fifteen Thousand and

00/100 Dollars ($115,000.00), the receipt of which is hereby acknowledged, the Grantor(s)

hereby grant and convey unto the said, MARIA J. SANTANA, her heirs, personal

representatives and assigns, in fee simple, all that lot of ground situate in Montgomery County,

Maryland and described as follows:

See Exhibit A "Legal Description" Attached hereto.nIP 1=11~lRF $RFf'11RnTNhmRfrmflATTfW TTR TAX ~TATFTIlTtdR~ MI'IAfi

TOGETHER with all the improvements and the rights, alleys, ways, w!r~4,fJ~

Easements, privileges, appurtenances and advantages belonging or appertaining thereto.

Being that same property acquired by the grantors by deed datedJune 4, 1997, and recorded in Liber 14951 at folio 4 amongThe land records of Montgomery County, Maryland.

AND the said party of the first part covenants that she will warrant specially the

Property hereby conveyed, and that she will execute such further assurances of said land as may

be requi

site.

THE undersigned gran,tors hereby certify under the penaiti1s of perjury that the

actual consideration paid or to be paid is in the amount of $115,000. 0, including the amount of

any outstanding mortgage or deed of trust.

above. WITNESS the handand se~IHo::en:,~~~~::'~] date and year first written

.0.) 3:)!.:UO S~W3lJ.;2\)~''1D lHnlJ'O AllOWM~CI1f~~&RT (Land Records)[MSA CE 63-17986]MQR 18031,p. 0228. Pri~~1laiJ!4/2008. 0 line 06/20/2005.

~g5/ a ZS:Z d tIG dd~ 00

s.~?rI.~

~.P;:..~5?1.Wi

i.iW-..AARf'P"t i :fJl.1qf!lk t ?4??

Wr!:;J4. HI

18031 229

BEGINNING for the same an iron pipe now set by a fence post on thesouth side of the Rockville-Frederick Pike, 53.00 feet from the endof the 9th line of a conveyance from Ella R. Christiansen, et el,to Eugene Cordell and Lettie J. Cordell, his wife, dated December29, 1922 and recorded in Liber 324 at folio 298 among the landrecords of Montgomery County, Maryland and running thence alongsaid road with said line N. 56 deg. 56 min. 30 sec. West 53.00feet, thence still along said road with part of the 10 th line, N.50 deg 36 min. 20 sec. West 38.19 feet to an iron axle found inplace at a fence corner, thence leaving said road to include partof said lands with the fence, S. 42 deg. 01 min. 50 sec. West113.85 feet to an iron pipe found in place in a fence corner;thence S. 53 deg. 08 min. E. 90.81 feet to an iron axle found inplace in a fence corner; thence N. 42 deg. 03 min. 30 sec. E.115.70 feet to the place of beginning and containing 10, 272 squarefeet of land more or less.

:1_1- /~ tctrAPPROVED FOR TRANSFER /

BV~ M? ONI, CO., MD

1150' ;:,0$ ,'. ~ ~M!SffR TAX PAID

MO CIRCUIT COURT (Land Records) [MSA CE 63-17986) MQR 18031, p. 0229. Printed 12/14/2008. Online 06/20/2005.

18031 230

KEVIN E. LAWSON

STATE OF MARYLANDCOUNTY OF ANNE ARUNDEL

On this Ic.f"-day of April, ,2000, before me, the undersigned notary public personallyappeared KEVIN E. LAWSON AND ANGELA E. LAWSON, known to me (or satisfactorilyproven) to be the person whose names is subscribed to the within Deed and acknowled.g~~;·' .that they executed same for the purposes therein contained. . .·.:ir)~~~~;:;:k}i~;/):-,

\~:~~~!i;:.~;~'dJ;~~'~·:~.~)(.,:;>.. <.' .•~J,f~<.~I·"'!f··J .~ '.,

My Commission Expires:r--r-_-+ _

. "0' ~

IN WITNESS WHEREOF, I hereunto set my hand

This is to certify that the within instrument was prepared by the undadmitted to practice before the Court of Appeals of the St 0

Property Address: 23530 Frederick RoadClarksburg, MD 20871

After recording, mail to: Sullivan & Sullivan7305 Baltimore Avenue #301College Park, MD 20740

MO CIRCUIT COURT (Land Records) [MSA CE 63-17986] MQR 18031, p. 0230. Printed 12/14/2008. Online 06/20/2005.

I~o"1B031 ~231

-o

State of Maryland Land In~~;n~take Sheet ~o-

O BaltimoreCity ~County: Irn-; .~ A ~In/011lllllWn provided is for the use of the Clerk's Offo:e,~~ D~~enl of U

Assessmenls and TaJUJlWn, and County Finance Office only. ~ITvoe or Print in Black Ink Onlv- All Conies Must Be I~ble) 0

u

LiJ Type(s) o Cbeck Box if Addendum Iotake Form is Attached.) .~of Instruments ~~ H=:age HOther H Other u

fI Deed ofTrust .9L!JConveyance Type I- Improved Sale U Unimproved Sale U Multiple Accounts U Not an Arms-

-o

~Check Box Arms-Length [1 J Arms-Length [21 Arms-Length III Length Sale 19J ~

~ Tax Exemptions Recordation I '"(if Applicable) Slate Transfer 1 ~.

Cite or ExPlain Authorit>/ County Transfer Itn

~ Consideration Amount Finance Office Use Only

Purchase Price/Consideration s Transfer and Recordation Tax ConsiderationConsideration

Any New Mortgage $ Transfer Tax Consideration sand Tax

Balance of Existing Moctgage $ X( )% = $Calculations Other: $ Less Exemption Amount - $

Total Transfer Tax = $Other: $ Recordation Tax Consideration $

X( ) per$SOO '= $Full Cash Value '$ TOTAL DUE $

L!J Amount of Fees Doc. 1 Doc. 2 Agent:Recording Charge $~(') $ _')cJ

Fees Surcharge $ S- s s: Tax Bill:State Recordation Tax S ."10 U, u u sState Transfer Tax s 515 6<.J $ C.B. Credit:County Transfer Tax $ II5'tJ D" $Other $ $ Ag. Tax/Other:Other $ $ -LiJ District I Property Tax 1D No. (1) I Grantor J,.iberlFoljo Map Pan:elNo. I Var. LOG

Description of 1 I ~ 'i (.j (., ~t;StjLl I 0(5)Property Subdivision Name I Lot{3a) Block (3b)iSectlAR(3c) Plat Ref. ISqFtlAcreage ~)

SDAT requires - I I 1/0,,2701' ¥'submission of a" LocatioolAdd~s of Property Being Conveyed (2)

applicable information. ') 35.;3 D YiZ'i /J i /l.I ck: /kJ PO C lI}LJ~S .~.ll..fr f'l1 0 ....• ~ rJ IA maximum of 40 Other Property Idenllfiers (if applicable) I Water Metef'l\a'd'unt No.characters wi" be I

indexed in accordance Residential\!2for. Non-Residential 0 1 Fee Simplc::!2tor Grount Rent 0 Amount: 1with the priority cited in Partial Conveyance? DYes ONo I Description/AmI. of SqFtlAcreage Transferred:

Real Property ArticleSection 3-104(g)(3)(i). If Partial Conveyance, List Improvements Conveyed:

l2J Doc. 1 - Grantor(.) Name{s) Doc. 2 - Grantor(s) Name(s))(5.. III J\J [. L-/!w50/UTransferred/hi) G- f L '" 'f c. /fkJS dN

From Doc. 1 - Owner(s) oC Record, if Different from Graotor(s) Doc. 2 - Owner(s) of Record, if Different from Grantor(s)

[j]Transferred Doc, 1 - Gnmtee(s) Name(s) Doc. 2 - Granlee(s) Name(s)/1 III aa: 11 J. S- ):)/IJ r RAI FJ

To INew Owner's (Grantee) Mallin!! Address

W Other ~ames Doc. I - Additional Names to be Indexed (Optional) I Doc. 2 - Additional Names to be Indexed (Optional)Ito Be IndexedI

~ ContactJMaii 1 SULtTAAfH ~r Contact Person 1 ki" Return to Contact Perron

Information ~---i.AW-OF- IFirm: -,..nr;";'· Ave. #301 0 Hold for PickupAddress: ,::; ,-. •••• IvaRege Park, MO 207"Mwne: t -{O/) '1-t- J 11J."'5" I n Return Address Provided11IlMPORTANT: BOTH THE ORIGINAL DEED AND A PHOTOCOPY MUST ACCOMPANY EACH TRANSFER

Assessment ~~ ~~ Will the property being conveyed be the grantee's principal residence?

Information Yes 0 Does transfer include personal propeny? If yes, identify:

.2 hYes f/fNo Was property surveyed? If yes, attach copy of survey (if recorded. no copy required) .0 Assessment Use On Iv - Do Not Write Below This Line.9g Terminal Verification Aarlcul ural Verification Whole Pari Tran. Process Verification

Transfer Number: Dale Received: Deed Reference: AS'inn"d Procert No.:§ Yeac 19 19 Geo. Mao Sub Block8 land Zonln" "rid I PI.I 01o Buildinos Use Parcel \ ~Bf'linn Oce.Cd.-;; Tnt •• Town ce. Ex. SI. IEx. Cd.~ REMARKS:

"'"'"~MO CIRCUIT COURT (La-R I Records) [MSA CE b~· i7M6] MQ~ li!03l,p:lJZrr. Pnnled W14fLuu8. Onhne OB72tfIZUOfi.

Distribution: White ~Cleric's OfflcfICsns, • SOATyPink· Office of FinanceGoldenrod· PfsparsfAOC·CC·3QQ (6/95)

-SULLIVAN & SULLIVAN·

LAW OFFICES7305 Baltimore Ave. 1301CoUege Park, MD 20740

18031 232

rreparea ny:WENDY KEGLEYNATIONAL CITY MORTGAGE COP.O. Box 8800Dayton. OH 45401-8800

/

TMP ffilIl11h:M7250 S.AARFmRnTNf.: m ~.Atl

[SpaceAboveThisLineForRecordingDataJ------4<+~ ?5.P1A'"i'") l rn R~ Ii q RN=·t t :f'Jrn. ru.. e: t. A;S£ tm ~ KI1R f'j II rm t ?4~

DEED OF TRUST AFf· "4, ~ fIl?:?4 Pi

'1 A)(. 1:"0 IVY4?-( (.t-L.• 1:(' ') '.-

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..,\H L S;O/\.") ~.

DEFINITIONS

Words used in multiple sections of this document are defmed below and other words are defined in Sections3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also providedin Section 16.

(A) "Security Instrument" means this document, which is datedtogether with all Riders to this document.

c (B) "Borrower" is:i:

April 14, 2000

MARIA J. SANTANA Sole Owner

Borrower is the trustor under this Security Instrument(C) "Lender" is (

Nationa City Mortgage Co dbaLender is a Eastern Mortgage Servicesorganized and ~JUllIa~e laws of

MARYLAND-Single Family-FNMA/FHLMC UNIFORM INSTRUMENT

• ·6(MD) (9904).01~Page 1 of 15 InitlalS~ •

VMP MORTGAGE FORMS· (800)521·7291

Form 3021 3/99

The State of Ohio

\ 1111111111111111 111111 \11\ "" \"\

~U'T COURT '''0' Records) IMSA CE 63-179861 MQR 18031, P 0232. Printe 1211412008.00';0,0612012005.

18031 233

Lender's address is 3232 Newmarlt Drive, Miamisburg, OH 45342/

Lender is the beneficiary under this-Security Instrument(D) "Trustee" is LAWYERs'"TITLE SERVICES INC., A VIRGINIA CORP.

(E) "Note" means the promissory note signed by Borrower and datedThe Note states that Borrower owes Lender April 14, 2000

ONE HUNDRED NINE THOUSAND TWO HUNDRED FIFTY & 00/100 Do~(U.S. $ 109,250.00) plus interest Borrower has promised to pay this debt in regular PeriodicPayments and to pay the debt in full not later than May 1, 2030 .(F) "Property" means the property that is described below under the heading "Transfer of Rights in theProperty:' I

(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late chargesdue under the Note, and all sums due under this Security Instrument, plus interest.(H) "Riders" means all riders to this Security Instrument that are executed by Borrower. The followingriders are to be executed by Borrower [check box as applicable]:

o Adjustable Rate Ridero Balloon RideroVA Rider

o Condominium Ridero Planned Unit Development RiderDBiweekly Payment Rider

D Second Home RiderD 1-4 Family RideroOther(s) [specify]

(I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations,ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final,non-appealable judicial opinions,(J) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and othercharges that are imposed on Borrower or the Properly by a condominium association, homeownersassociation or similar organization.(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check.draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument,computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit anaccount Such term includes, but is not limited to, point-of-sale transfers. automated teller machinetransactions, transfers initiated by telephone, wire transfers. and automated clearinghouse transfers.(L) "Escrow Items" mean those items that are described in Section 3.(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid byany third party (other than insurance proceeds paid under the coverages described in Section 5) for (i)damage to, or destruction of, the Property. (ii) condemnation or other taking of all or any part of the Property,(iii) conveyance in lieu of condemnation or (iv) misrepresentations of, or omissions as to, the value and/orcondition of the Property.(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, theLoan.(0) "Perjodlc Payment" means the regularly scheduled amount due for (1) principal and interest under theNote, plus (2) any amounts under Section 3 of this Security Instrument,(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and itsimplementing regulation, Regulation X (24 C.FR Part 35(0). as they might be amended from time to time,or any additional or successor legislation or regulation that governs the same subject matter. As used in thisSecurity Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard

Page 201151nIllalP.-Jt(. S:-.

G-6(MD) (9904).01~ Form 3021 3/99

MO CIRCUIT COURT (Land Records) [MSA CE 63-17986] MQR 18031, p. 0233. Printed 12/14/2008. Online 06/20/2005.

_.

18031 235

to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan"under RESP A.(Q) "Successor in Interest of Borrower" means any party thai has taken title to the Property, whether or notthat party has assumed Borrower's obligations under the Note and/or this Security Instrument

TRANSFER OF RIGHTS IN THE PROPERTYThis Security Instrument secures to Lender: (a) the repayment of the Loan, and all renewals, extensions andmodifications of the Note; and (b) the performance of Borrower's covenants and agreements under thisSecurity Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys toTrustee, in trust, with power of sale, the following described property located in the

COUNTY of Montgomery[Type of Recording Jurisdiction) [Name of Recording Jurisdiction)

Page:) 0115 Form 3021 3/99

LEGAL DBSCRIPTION ATTACHED HERETO AND MADE A PART HEREOF.

Parcel ID Number:23530 FREDERICK ROAD.CLARKSBURG

("Property Address"):

which currently has the address of[Street)

[City], Maryland 20871 [Zip Code)

TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall alsobe covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the"Property. "

BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and hasthe right to grant and convey the Property and that the Property is unencumbered, except for encumbrances ofrecord. Borrower warrants and will defend generally the title to the Property against all claims and demands,subject to any encumbrances of record.

TIllS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniformcovenants with limited variations by jurisdiction to constitute a uniform security instrument covering realproperty.

1JNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.

Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and anyprepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Itemspursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S.

• -6(MD) (9904).01~lni1ialS~

MO CIRCUIT COURT (Land Records) [MSA CE 63-17986] MQR 18031, p. 0235. Printed 12/14/2008. Online 06/20/2005.

18031 246

BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in thisSecurity Instrument and in any rider(s) executed by Borrower and recorded with it

Witnesses:

~":;L..LL--_' __ J_, _S;;--=-04?-,--~_ZL__ (Seal)MARIA J. SANTANA -Borrower

________________________ (Seal)-Borrower

______________________ (Seal) _______________________ (Seal)-Borrower -Borrower

--- (Seal)-Borrower

---- (Seal)-Borrower

__________________ (Seal)-Borrower

-- (SeaI)

-Borrower

G'6(MD) (9904).01~ Page 14 of 15 Form 3021 3/99

MO CIRCUIT COURT (Land Records) [MSA CE 63-17986] MQR 18031, p. 0246. Printed 12/14/2008. Online 06/20/2005.

18031 247

STATEOFMARYLAND.~ ~A "'"County ss .I Hereby Certify, That on this /~:: =r me, the subscnber, a

Notary Public of the State of Maryland, in and for the .~, , ,personally appeared .

(J111 t£ J Jt!J J. 61J1U rA JU ~

known to me or satisfactorily proven to be the persowithin instrument and acknowledge that he/she ey eX~C9~~~1jjtt

AS WITNESS: my hand and notarial seal.My Commission Expires: I, J 'dk>()3

"

This is to certify that the within instrument was prepared

Gt6(MD) (9904).01 Pag •• 15 0115 Form 3021 3/99

MO CIRCUIT COURT (Land Records) [MSA CE 63-17986] MQR 18031, p. 0247. Printed 12/14/2008. Online 06/20/2005.

19330 ·299

RECORDATION REQUESTED BY:Union Planters Bank, National AssociationPEL· RICHMOND, VA7130 Goodlett Farms Pkwy.Cordova, TN 38018

SEND TAX NOTICES TO:MARIA J. SANTANA23530 FREDERICK ROADCLARKSBURG, MD 20871

gfutl y'\ -!D.Maple leaf Titte, llC

24 W. Pennsy1vanla Ava .Towson, MD 2'~04rnUf 01 JON

NN

SPACE ABOVE THIS UNE IS FOR RECORDER;~~SE ONJJ

WHEN RECORDED MAIL TO:UNION PLANTERS BANK,NA

. LOAN CONTROL·A2E7130 GOODLETT FARMS PARKWAVCORDOVA, TN 38018

se(1e)1iIDEED OF TRUST

: r.:

MAXIMUM LIEN. The aggregate principal sum secured by this Deed of Trust is $47,000.00.THIS DEED OF TRUST is dated May 21, 2001, among MARIA J. SANTANA; SOLE OWNER ("Grantor"); UnionPlanters Bank, National Association, whose address is PEL - RICHMOND, VA, 7130 Goodlett Farms Pkwy.,Cordova, TN 38018 (referred to below sometimes as "Lender" and sometimes as "Beneficiary"); and Bill R.McLaughlin, whose address is p, 0, Box 131; Memphis; TN 38101 (referred to below as "Trustee").CONVEYANCE AND GRANT. For valuable consideration, Grantor irrevocably grants and conveys to Trustee, in trust, with power o' sale, forthe benefit of Lender as Beneficiary, all of Grantor's present and future right, title, and interest in and to the following described real property, ~etherwith all existing or subsequently erected or affixed bu!ldin~, imp~overne~~ a~d fixture~; all eas~nts, rights of way, and ~ppurtenances; and all,f1..9hts,royalties, and profits relating to the real property, Including without limitation all minerals, 011, gas, geothermal and similar matters, (the RealProperty") located in MONTGOMERY County, State of Maryland:

SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF BY THIS REFERENCE.

The Real Property or Its address is commonly known as 23530 FREDERICK ROAD, CLARKSBURG, MD 20871.Grantor presently assigls to Lender (also known as Beneficiary in this Deed of Trust) all of Grantor's right, title, and interest in and to all present andfuture leases of the Property and all Rents from the Property. In addition, Grantor grants to Lender a Uniform Commercial Code security interest in thePersonal Property and Rents.

THIS DEED OF TRUST, INCLUDING mE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONALPROPERTY, IS GIVEN TO SECURE (A) PAYMENT OF THE INDEBTEDNESS AND (B) PERFORMANCE OF ANY AND ALL OBLIGATIONSUNDER THE NOTE, THE RELATED DOCUMENTS, AND THIS DEED OF TRUST. THIS DEED OF TRUST IS GIVEN AND ACCEPTED ON THEFOLLOWING TERMS:PAYMENT AND PERFORMANCE. Except as otherwise provided in this Deed of Trust, Grantor shall pay to Lender all amounts secured by this Deed ofTrust as they become due, and shall strictly and in a timely manner perform all of Grantor's obligations under the Note, this Deed of Trust, and theRelated Documents.

POSSESSION AND MAINTENANCE OF THE PROPERTY. Grantor agrees that Granto(s possession and use of the Property shall be govemed by thefollowing provisions:

Possession and Use. Until the occurrence of an Event of Default, Grantor may (1) remain in possession and control of the Property; (2) use,operate or manage the Property; and (3) collect the Rents from the Property.

Duty to Maintain. Grantor shall maintain the Property in good condition and promptly perform all repairs, replacements, and maintenancenecessary to preserve its value.

Compliance With Environmental Laws. Grantor represents and warrants to Lender that (1) During the period of Granto(s ownership of theProperty, there has been no use, generation, manufacture, storage, treatment, disposal, release or threatened release of any Haz-ardousSubstance by any person on, under, about or from the Property; (2) Grantor has no knowledge of, or reason to believe that there has been,except as previously disclosed to and acknowledged by Lender in writing, (a) any breach or vioiation of any Environmental Laws, (b) any use,generation, manufacture, storage, treatment, disposal, release or threatened release of any Hazardous Substance on, under, about or from theProperty by any prior owners or occupants of the Property, or (c) any actual or threatened litigation or claims of any kind by any person relatingto such matters; and (3) Except as previously disclosed to and acknowledged by Lender in writing, (a) neilher Granlor nor any tenant,contractor, agent or other authorized user of the Property shall use, generate, manufacture, store, treat, dispose of or release any HazardOUSSubstance on, under, about or from the Property; and (b) any such activity shall be conducted in compliance with all applicable federal, state,and local laws, regulations and ordinances, including without limitation all Environmental Laws. Grantor authorizes Lender and its agents to enterupon the Property to make such inspections and tests, at Grantor's expense, as Lender may deem appropriate to determine compliance of theProperty with this section of the Deed of Trust Any inspections or tests made by Lender shall be for Lender's purposes only and shall not beconstrued to create any responsIbility or liability on the part of Lender to Grantor or to any other person. The representations and warrantiescontained herein are based on Grantor's due diligence in investigating the Property for Hazardous Substances. Grantor hereby (1) releases andwaives any future claims against Lender for indemnity or contribution in the event Grantor becomes liable for cleanup or other costs under any

t\ such laws; and (2) agroos to Indemnify and Mid harmless LeMar against any arid all claims, losses, liabilities, damages, penalties, and expenses<t,u which Lender may directly or indirectly s~tain or suffer resulting from a breach of this section of the Deed of Trust or as a consequence of any

I) 10'

- use, generatIOn, manufacture, storage, dISposal, release or threatened release occurring Qrior to Grantor's ownership or interest in the Propertyf? 1'&1 CIRCUIT COURT (Land Records) [MSA CE 63-19284] MQR 19330, p. 0299. Printed 12114/2008. Online 06/20/2005. .

1 ~

19330 300

EXHffiIT A

ALL THAT LOT OF GROUND SITUATE IN MONTGOMERY COUNTY, MARYLANDAND DESCRIBED AS FOLLOWS:

BEGINNING FOR THE SAME AN IRON PIPE NOW SET BY A FENCE POST ON THESOUTH SIDE OF THE ROCKVILLE-FREDERICK PIKE, 53.00 FEET FROM THE ENDOF THE 9TH LINE OF A CONVEYANCE FROM ELLA R. CHRISTIANSEN, ET AL, TOEUGENE CORDELL AND LETTIE J. CORDELL, HIS WIFE, DATED DECEMBER 29,1922 AND RECORDED IN LIBER 324 AT FOLIO 298 AMONG THE LAND RECORDSOF MONTGOMERY COUNTY, MARYLAND AND RUNNING THENCE ALONG SAIDROAD WITH SAID LINE N. 56 DEG. 56 MIN. 30 SEC. WEST 53.00 FEET, THENCESTILL ALONG SAID ROAD WITH PART OF THE 10TH LINE, N. 50 DEG. 36 MIN. 20SEC. WEST 38.19 FEET TO AN IRON AXLE FOUND IN PLACE AT A FENCECORNER, THENCE LEAVING SAID ROAD TO INCLUDE PART OF SAID LANDSWITH THE FENCE, S. 42 DEG. 01 MIN. 50 SEC. WEST113.85 FEET TO AN IRON PIPEFOUND IN PLACE IN A FENCE CORNER; THENCE S. 53 DEG. 08 MIN. E. 90.81FEET TO AN IRON AXLE FOUND IN PLACE IN A FENCE CORNER; THENCE N. 42DEG. 03 MIN. 30 SEC. E. 115.70 FEET TO THE PLACE OF BEGINNING ANDCONTAINING 10,272 SQUARE FEET OF LAND, MORE OR LESS.

THE IMPROVEMENTS THEREON BEING KNOWN AS 23530 FREDERICK ROAD.

TAX ID #2-1-18846 /'

MO CIRCUIT COURT (Land Records) [MSA CE 63-19284] MQR 19330, p. 0300, Printed 12/14/2008, Online 06/20/2005,

DEED OF TRUST(Continued) 19330 306 Page 7

Event of Default. The words "Event of Default" mean any of the events of default set forth in this Deed of Trust in the events of default section ofthis Deed of Trust.

Existing Indebtedness. The words "Existing lndebtedness" mean the indebtedness described in the Existing Liens provision of this Deed ofTrust.

Grantor_ The word "Grantor" means MARIA J_ SANTANA.

Guaranty. The word "Guaranty" means the guaranty from guarantor, endorser, surety, or accommodation party to Lender, including withoutlimitation a guaranty of all or part of the Note.

Hazardous Substances. The words "Hazardous Substances" mean materials that, because of their quantity, concentration or physical. chemicalor infectious characteristics, may cause or pose a present or potential hazard to human health or the environment when improperly used, treated,stored, disposed of, generated, manufactured, transported or otherwise handled. The words "Hazardous Substances" are used in their verybroadest sense and include without limitation any and all hazardous or toxic substances, materials or waste as defined by or listed under theEnvironmental Laws. The term "Hazardous Substances" also includes. without limitation, petroleum and petroleum by-products or any fractionthereof and asbestos.

Improvements. The word "Improvements' means all existing and future improvements, buildings, structures, mobile homes affixed on the RealProperty, facilities, additions, replacements and other construction on the Real Property.

Indebtedness. The word "Indebtedness" means all principal, interest, and other amounts, costs and expenses payable under the Note or RelatedDocuments, together with all renewals of, extensions of, modifications of, consolidations of and substitutions for the Note or Related Documentsand any amounts expended or advanced by Lender to discharge Grantor's obligations or expenses incurred by Trustee or Lender to enforceGrantor's obligations under this Deed of Trust, together with interest on such amounts as provided in this Deed of Trust.

Lender. The word "Lender" means Union Planters Bank, National ASSOCiation, its successors and assigns. The words "successors or assigns"mean any person or company that acquires any interest in the Note.

Note. The word "Note" means the promissory note dated May 21,2001, in the original principal amount of $47,000.00 from Grantorto lender, together with all modifications of and renewals, replacements, and substitutions for the promissory note or agreement.

Personal Property. The words "Personal Property" mean all equipment, fixtures, and other articles of personal property now or hereafter ownedby Grantor, and now or hereafter attached or affixed to the Real Property; together with all accessions, parts, and additions to, all replacements of,and all substitutions for, any of such property; and together with all proceeds (including without limitation all insurance proceeds and refunds ofpremiums) from any sale or other disposition of the Property.

Property. The word "Property" means collectively the Real Property and the Personal Property.

Real Property. The words "Real Property" mean the real property, interests and rights, as further described in this Deed of Trust.

Related Documents. The words "Related Documents" mean all promissory notes, credit aqreements, loan agreements, environmentalagreements, guaranties, security agreements, mortgages, deeds of trust, security deeds, collateral mortgages. and all other instruments,agreements and documents, whether now or hereafter existing, executed in connection with the Indebtedness.

Rents. The word "Rents" means all present and future rents, revenues, income, issues, royalties, profits, and other benefits derived from theProperty.

Trustee. The word "Trustee" means Bill A. Mclaughlin, whose address is P. O. Box 131, Memphis, TN 38101 and any substitute or successortrustees.

(i~ANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS DEED OF TRUST, AND GRANTOR AGREES TO ITS TERMS. THISDEED OF TRUST IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS DEED OF TRUST IS AND SHALL CONSTITUTE AND HAVE THEEFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW.

GRANTOR;

x-rl7Wl~tU...-<.A-.--.- •••( •..••.••. :r:~..-7~~Y:~~=- --l(Seal)MARIA J. SANTANA, Individually

MO CIRCUIT COURT (Land Records) [MSA CE 63-19284] MQR 19330, p. 0306. Printed 12/14/2008. Online 06/20/2005.

DEED OF TRUST(Continued) 307 Page 8

INDIVIDUAL ACKNOWLEDGMENT

STATE OF fD.atJL/ /Qrr:!.COUNTY oF1?tJJ1imN----

)

)SS

)

On this day before me, the undersigned Notary Public, personally appeared MARIA J. SANTANA, SOLE OWNER, to me known to be the individualdescribed in and who executed the Deed of Trust, and acknowledged that he or she signed the Deed of Trust as his or her free and voluntary act anddeed, for the uses and purposes therein mentioned. cY~ mr. .I 0GI~~ onOoIfl~~'1'\"l;~~ 0,,0' IV 'U Lr .20__ 1_.~~~m .tJ.) tsssse: Resldlngat,-=>mrr;.,-- _

My com~~'\\\\;\i~\ill/IIII//y-Notary Public in and for ",,_ •• "': H 11II~. ,."on:sa. U1r8M. Nomry Public

§ ~e ~ ~ Saltlmore County:::. MAR\'I.N<D '" Slate of Maryland .%:to .f1 ! My Commlsalon Expires July 28, 2003

""'//I,'l:ttR'y~, ....,'"111111111\\\\\\

LENDER CERTIFICATIONTHIS IS TO CeRnFY that the foregoing Deed of Trust was prepared by Union Planters Bank, National Association, the party secured by theDeed of Trust.

Its: LOAN PROCeSSOR

AFFIDAVIT OF CONSIDERATIONSTATE OF__ ..>~;;;;t.~'-""':<..><.••••~O..t.eI),..,Q•••(L."""''__:_-------.l)

Ct:..'''k;--'''' Jww, )ss)

I HE EBY CERTIFY that this :)J6+ day of Mn 1. ~' 2OC1.L before me, the undersigned, a Notary Publicof the , in and for .fl;; 'sf;Jk: ez, ~Qo. b, , personally appeared

the agent Lender, known to me satisfactorily proven, who made oath or affirmation in due form of law that the consideration recited in the Deed ofTrust is true and bona fide as set forth therein that he or she is the agent of Lender, and that he or she is duly authorized to make this affidavit.

WITNESS my handand .N.otaria~~a\~ ~f\-----~~O~,k. ~ _

'- Notary Public

My Commission Expires: ---I.lI-4QOM~, _MHlISSlIiSll9NJlf-lEIOEIP"UIRBB.JlJt.1R1NE1E-oi4l:-, -I!2002992f----

MO CIRCUIT COURT (Land Records) [MSA CE 63·19284] MQR 19330, p. 0307, Printed 12/14/2008. Online 06/20/2005.

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State of Mary~and Instrument Intake Sheet~illa:

o Baltimore City ounty: mO() 0 rMt1i "'"Information provided is or the use of th« Clerk's Office, IilDepartment 0/

OJo 19330 309"Assessments and Taxation, and County Finance Office only. :J0

Tvoe or Print in Black Ink Onlv - All Cooies Must 8e Leelble) u

LU Type(s) ( 0 Check Box if Addendum Intake Form is Attached.) :Je~ed HIMortgage H~ther I [Other uof Instruments .E...•.

eed of Trust Lease rl u

Wconveyance Typ ..kiiiimlved Sale UUnimproved Sale UMultiple AccountsUNot an Arms- ~~Check Box "C"Arms-Lengtb III Arms-Length /2/ Arms-Length (3/ Length Sale 19j OJa:W Tax Exemptions Recordation I 1l

State Transfer I a(if Applicable) (f)

Cite or Explain Authorily County Transfer I

~ Consideration Amount Finance Ornce Use Only

Purchase Price/Consideration $ Transfer and Recordation Tax ConsiderationConsideration Any New Mortgage s Lfr' /. [TV U Transfer Tax Consideration s

and TaxBalance of Existing Mortgage s X( )% sCalculationsOther: $ Less Exemption Amount - $

Total Transfer Tax - $

Other: $ Recordation Tax Considcratior sX( ) per $500 - $

Full Cash Value s TOTAL DUE $

W Amount er Fees noe. t Doc. 2 Agent:

Recording Charge s .;OU sFees

Surcharge s ") $ Tax Bill:

State Recordation Tax $ ,.;J('h _'x:f) $State Transfer Tax S s c.s. Credit:

County Transfer Tax $ $Other $ $ Ag, Tax/Other:

Other $ sl§J District I Prope~ Tax ID No. (1) I Grantor Liller/Folio Map Parcel No. IVar.LOG

ChZ I J - 1(6)0. Y ( 17 I {(jJ61 o<:,)~ I 0(5)Description of Subdivision Name I Lot (3a) Block (3b)ISectlAR(3c) Plat Ref. ISqFt!Acreage (4)

PropertyI I ISDAT requires

submission of all - Lecation / Address of Property Being Conveyed (2)applicable information. ..../h'?H"J W.D(lJ01. If K t-cx '<;- bortx In r..J Dt(%' r} /

A maximum of 40 Other Proeertr Identifiers (If applicable) '" Water Meter Account No.characters will be -'" '( 'j\ 1/U,"" \J... U(,)V( 'C){ ~ Iindexed in accordance

Residential 'Efof Non-Residential 0 I Fee Slmple~Ground Rent 0 Amount: Iwith the priority cited inReal Property Article Partial Conveyance? DYe~o IDescription/Amt. of SqFt/Acreage Transferred:

Section 3-104(g)(3)(i).

If Partial Conveyance, List Imorovernents Conveyed:

l2J Doc. 1 - Grantor(s) Name(s) Doc. 2 - Grantor(s) Name(s)rnn/iACL. \. <"'(Jf' I'1U.YR ••.•

TransferredFrom

Doc. I Owner(s) of Record, if Different from Grantor(s) Doc. 2 Owner(s) of Record, if Different from Grantor(s)

lJ!J TransferredDQA:,J - Grantee(s) Name(s) Doc. 2 - Grantee(s) Name(s)

Ivtf"l }("){\ FIO Y1ll1v~ (J.,a 11' ,()t:;To

New Owner's (Grantee) MailiRl! Address4lrAQ.

W Other NamesDoc. 1 - Additional Names to be Indexed (Optional) Doc. 2 - Additional Names to be Indexed (Optional)

10 Be Indexed

~ Instrument Submitted 8y or Conl,act Person U Return to Contact PersonContact/Mail Name:Information Firm: MAnt.." •I,. o Hold for Pickup

Address: '4W - • A.

~turn Address ProvidedT - .- •..•n ')~?nA Phone: (tf{O) ';:5~ / -r .I ") SO11 I IMPORT", !.Ii DV~'H THE ORIGINAL DEED AND A PHOTOCOPY MUST ACCOMPANY EACH TRANSFER

Assessment~ ~ ~~ Will the property being conveyed be the grantee's principal residence?

Information'- Yes 0 Does transfer include personal property? If yes, identify:

c nYes ~ Was property surveyed? If yes, attach copy of survey (if recorded, no copy required).~ Assessment Use On Iv - 00 Not Write Below This Line'C o TenTlinal Verification AariculturaJ Verification o Whole o Part o Tran. PrOC€SSVerificatonie~ Transfer Number: Oat. Received: Deed Reference: Assioned Prooe No.:c Year 20 20 Goo. Mac Sub Blocl<~ land ZOninQ Grid Plat lotr.: Buildino. Use Parcel Section Dec. Cd.~ Total I Town Cd. Ex. Sf. Ex. Cd.~ REMARKS:~'"crl'l

o CIRCUIT COURT (Lani ~cord,,)-tM&keEiT.Ft928ttrmeR-ime;;-rr"u3e9:-i"rinte<:HZtt4t2e()lr.cmtimrOO1tot2C!(1o .Distribution: White· Clerk's Office

Canary-SDATPink - Office 01 FinanceGoldenrod· PreparerAOC-CC.,'JOO (6/95)