5

th
IN THE CIRCUIT COURT OF THE
JUDICIAL CIRCUIT IN AND FOR
MARIONCOUNTY,FLORIDA
CASENO.
REVERSEMORTGAGESOLUTIONS,INC.,
Plaintiff,
vs.
NEILJ. GILLESPIEANDMARKGILLESPIEAS
CO-TRUSTEESOFTHEGILLESPIEFAMILY
LIVINGTRUSTAGREEMENTDATED
FEBRUARY10, 1997;OAKRUN
HOMEOWNERSASSOCIATION,INC.;UNITED
STATESOFAMERICA,ONBEHALFOFTHE
SECRETARYOFHOUSINGANDURBAN
DEVELOPMENT;ELIZABETHBAUERLE;
MARKGILLESPIE;NEILJ. GILLESPIE;
DEVELOPMENT& CONSTRUCTION
CORPORATIONOFAMERICA;UNKNOWN
SPOUSEOFELIZABETHBAUERLE;
UNKNOWNSPOUSEOFMARKGILLESPIE;
UNKNOWNSPOUSEOFNEILJ. GILLESPIE;
UNKNOWNSETTLERSIBENEFICIARIESOF
THEGILLESPIEFAMILYLIVINGTRUST
AGREEMENTDATEDFEBRUARY10,1997;
UNKNOWNTRUSTEES,SETTLERSAND
BENEFICIARIESOFUNKNOWN
SETTLERSIBENEFICIARIESOFTHE
GILLESPIEFAMILYLIVINGTRUST
AGREEMENTDATEDFEBRUARY10, 1997;
UNKNOWNTENANTINPOSSESSION1and
UNKNOWNTENANTINPOSSESSION2
Defendants.
/
VERIFIEDCOMPLAINTTOFORECLOSEHOMEEQUITYCONVERSION
MORTGAGE
Plaintiff, REVERSE MORTGAGE SOLUTIONS, INC., sues Defendants, NEIL J.
GILLESPIE AND MARK GILLESPIE AS CO-TRUSTEES OF THE GILLESPIE FAMILY
LIVINGTRUSTAGREEMENTDATEDFEBRUARY10,1997;OAKRUN HOMEOWNERS
ASSOCIATION, INC.; UNITED STATES OF AMERICA, ON BEHALF OF THE
SECRETARY OF HOUSING AND URBAN DEVELOPMENT; ELIZABETH BAUERLE;
752670 12-02121-2
MARK GILLESPIE; NEIL J. GILLESPIE; DEVELOPMENT & CONSTRUCTION
CORPORATION OF AMERICA; UNKNOWN SPOUSE OF ELIZABETH BAUERLE;
UNKNOWN SPOUSE OF MARK. GILLESPIE; UNKNOWN SPOUSE OF NEIL J.
GILLESPIE; UNKNOWN SETTLERSIBENEFICIARIES OF THE GILLESPIE FAMILY
LIVING TRUST AGREEMENT DATED FEBRUARY 10, 1997; UNKNOWN TRUSTEES,
SETTLERS AND BENEFICIARIES OF UNKNOWN SETTLERSIBENEFICIARIES OF THE
GILLESPIE FAMILY LIVING TRUST AGREEMENT DATED FEBRUARY 10, 1997; and
UNKNOWN TENANT IN POSSESSION 1 and UNKNOWN TENANT IN POSSESSION 2
and alleges:
1. This is an in rem action to foreclose a REVERSE mortgage on real property in
Marion County, Florida, and pursuant to F.S. 26.012, this Court has jurisdiction of the subject
matter herein.
2. On June 5, 2008, PENELOPE M. GILLESPIE, INDIVIDUALLY AND AS CO-
TRUSTEE AND NEIL J. GILLESPIE AND MARK GILLESPIE, CO-TRUSTEES executed and
delivered a Promissory Note to the Payee named thereon. On June 5, 2008, PENELOPE M.
GILLESPIE, INDIVIDUALLY AND AS CO-TRUSTEE AND NEIL J. GILLESPIE AND
MARK. GILLESPIE, CO-TRUSTEES executed and delivered a Mortgage securing payment of
said Note. The Mortgage was recorded on June 25, 2008, in Official Records Book 5057, at
page 1670, of the public records of Marion County, Florida, and mortgaged the property
identified in the Mortgage, then owned by and in possession of the Mortgagor, more fully
described as:
Lot(s) 1, Block G, OAK RUN WOODSIDE TRACT, according to the Plat thereof
as recorded in Plat Book 2 at Page(s) 106 through 112, inclusive of the Public
Records of Marion County, Florida.
and commonly known as 8092 SW 115TH LOOP, OCALA, FL 34481. Copies of the Note and
Mortgage are attached as Exhibits "A" and "B," respectively.
3. The described subject Mortgage was subsequently assigned to Plaintiff. Copies of
the relevant Assignments of Mortgage are attached as Composite Exhibit "C."
4. Plaintiff is entitled to enforce the Note and Mortgage, pursuant to F.S. 673.3011,
as the owner and holder of an instrument.
5. On or about September 16,2009, PENELOPE M. GILLESPIE died.
6. Pursuant to Paragraph 9(a) of the subject mortgage, lender may require immediate
payment in full if borrower dies and the property is not the principal residence of at least one
surviving borrower.
7. The property is now owned by Defendants, NEIL J. GILLESPIE and MARK
GILLESPIE, individually and as co-trustees of THE GILLESPIE FAMILY LIVING TRUST
AGREEMENT DATED FEBRUARY 10,1997, and ELIZABETH BAUERLE.
752670 12-02121-2
8. Plaintiff declares the full amount payable under the Note and Mortgage to be due,
together with interest from Septenlber 16, 2009, late charges, advancements, and all costs of
collection including, but not limited to, title search expense for ascertaining necessary parties to
this action and reasonable attom"ey's fees. The principal balance due on the Note and Mortgage,
as of the date ofdefault is $107,506.53.
9. Plaintiffis obligated to pay Plaintiff's attorneys a reasonable fee for their services.
10. All conditions precedent to the acceleration of the Note and to the foreclosure of
the Mortgage have been met, complied with, and fulfilled prior to bringing the present
foreclosure action.
11. Defendant, ELIZABETH BAUERLE, is joined by virtue of any right, title or
interest said Defendant may claim as an heir at law or as a beneficiary of PENELOPE
GILLESPIE, Deceased or any interest in the subject real property by or through said deceased
person.
12. Defendant, NEIL J. GILLESPIE, is joined by virtue of any right, title or interest
said Defendant may claim as an heir at law or as a beneficiary of PENELOPE GILLESPIE,
Deceased or any interest in the subject real property by or through said deceased person.
13. Defendant, MARK GILLESPIE, is joined by virtue of any right, title or interest
said Defendant may claim as an heir at law or as a beneficiary of PENELOPE GILLESPIE,
Deceased or any interest in the subject real property by or through said deceased person.
14. Defendant, NEIL J. GILLESPIE AND MARK GILLESPIE AS CO-TRUSTEES
OF THE GILLESPIE FAMILY LIVING TRUST AGREEMENT DATED FEBRUARY 10,1997,
individually and as trustee, are joined by virtue of any right, title or interest of said Defendant
may claim in the event that the trust is not valid. Said interest is subject, subordinate, and inferior
to the lien ofthe Mortgage held by Plaintiff.
15. Defendant, UNKNOWN SPOUSE OF NEIL J. GILLESPIE, is joined by virtue of
any right, title or interest said Defendant may claim by virtue of marriage to Defendant, NEIL J.
GILLESPIE, and/or by virtue ofjoining in and executing the subject Mortgage. Said interest is
subject, subordinate, and inferior to the lien of the Mortgage held by Plaintiff.
16. Defendant, UNKNOWN SPOUSE OF ELIZABETH BAUERLE, is joined by
virtue of any right, title or interest said Defendant may claim by virtue of marriage to Defendant,
ELIZABETH BAUERLE, and/or by virtue of joining in and executing the subject Mortgage.
Said interest is subject, subordinate, and inferior to the lien of the Mortgage held by Plaintiff.
17. Defendant, UNKNOWN SPOUSE OF MARK GILLESPIE, is joined by virtue of
any right, title or interest said Defendant may claim by virtue of marriage to Defendant, MARK
GILLESPIE, and/or by virtue ofjoining in and executing the subject Mortgage. Said interest is
subject, subordinate, and inferior to the lien of the Mortgage held by Plaintiff.
752670 12-02121-2
18. Defendants, UNKNOWN TENANT IN POSSESSION 1 and UNKNOWN
TENANTIN POSSESSION2, arejoinedbyvirtueofanyright, titleorinterestsaidDefendants
mayclaim as tenants inthepropertypursuant to a lease agreement, eitherwritten ororal. Said
interestissubject,subordinate,andinferiortothelienoftheMortgageheldbyPlaintiff.
19. Defendant, OAK RUN HOMEOWNERS ASSOCIATION, INC., is joined by
virtue ofany right, title or interest said Defendant may claim under F.S. 7.18.116 and/or
720.3085orpursuanttotheassociation'sdeclarationorothercovenants.
20. Defendant, DEVELOPMENT & CONSTRUCTION CORPORATION OF
AMERICA,isjoinedbyvirtueofanyright, titleorinterestsaidDefendantmayclaimunderthe
liendatedJune23,2011,andrecordedonJune23,2011,inOfficialRecordsBook5534,atpage
772, ofat Instrument No. 06/23/2011 in the public records ofMarion County, Florida, in the
originalamountof$2,587.06. Saidinterestissubject, subordinate, andinferiorto thelienofthe
MortgageheldbyPlaintiff
21. Defendant, UNITED STATES OF AMERICA, ON BEHALF OF THE
SECRETARYOFHOUSINGAND URBANDEVELOPMENT,isjoinedbyvirtueofanyright,
title or interest said Defendant may claim pursuant to the Mortgage dated June 5, 2008, and
recordedonJune25,2008,inOfficialRecordsBook5057,atpage1683,ofthepublicrecordsof
Marion County, Florida, in the original amount of$198,000.00. Said mortgage lien interest is
junior,subject,subordinate,andinferiortothelienof theMortgageheldbyPlaintiff:
22. In additiontoall namedDefendants,THEUNKNOWNTRUSTEES,SETTLERS
ANDBENEFICIARIESorotherpartiesclaimingan interestinthesubjectpropertyby, through,
under, or against UNKNOWN SETTLERS/BENEFICIARIES OF THE GILLESPIE FAMILY
LIVING TRUST AGREEMENT DATED FEBRUARY 10, 1997, are joined as defendants
herein. Theclaims ofanyofsaidparties are subject, subordinate, and inferiorto the interestof
Plaintiff sMortgage.
23. TheMortgageofthePlaintiffis a lien superiorindignityto theright, title, claim
of lien or interest of all the Defendants, knownor unknown,in thiscase,or any ofthem.
WHEREFORE, Plaintiffrequests this Honorable Court grant judgment in its favor as
follows:
a. Take jurisdictionof the parties hereto andof the subject matter hereof;
b. Orderthat the lien ofPlaintiff's Mortgage is a valid first lien onthe Propertydescribed
andissuperiortoanylienof record;
c. Order foreclosure ofthe Mortgage, and that all Defendants.named herein, their estates,
and all persons claiming under or against them since the filing ofthe Notice ofLis
Pendens,beforeclosed;
d. DetenninetheamountduePlaintiff undertheNoteandMortgagesueduponherein;
e. Orderthatif saidsumduePlaintiffisnotpaidinfull withinthetimesetbythisCourt,the
PropertybesoldbyOrderofthisCourttosatisfyPlaintiffsclaims;
752670 12-02121-2
f. Order delivery and possession ofthe real property to the Purchaser, who shall be
responsible for condominium and/or homeowner association assessments and other
charges in accordance with Florida Statutes 718.116 and 720.3085, respectively and
upon proofofthe denland or refusal ofany Defendant to vacate and surrender such
possession,andtheclerkbedirectedtoissueawritof possessionwithoutfurtherorderof
thisCourt;
g. Retainjurisdictionof thiscauseandthepartiesheretoto detenninePlaintiff'sentitlement
to a deficiencyjudgmentandtheamountthereof; unlessanyDefendantpersonallyliable
shall have been discharged from liability under the subject Note pursuant to the
provisionsoftheBankruptcyCode11. U.S.C. 101,et. seq.;and
h. Grantsuchotherandfurtherreliefasappearsjustandequitableunderthecircumstances.
DATEDthis c:< day
- kJr\
_. ---_._- . ------_.-" --
DanielleN.Parsons,Esq.
McCallaRaymer,LLC
AttorneyforPlaintiff
225E. RobinsonSt. Suite660
Orlando,FL32801
Phone: (407)674-1850
Fax:(321)248-0420
Email:MRService@mccallaraymer.com
Fla.BarNo.: 0029364
FLA.R.CIV.PI.I10m)VERIFICATION
UNDERPENALTYOFPERJURY, I declarethat I haveread theforegoing and that the
facts allegedthereinaretrueand tothebestofmyknowledgeandbe1ie
k
_
PrintName: DebbieSims
----_._..-._-
Title: VicePresident
Company: ReverseMortgageSolutions,Inc.
________ ow. ._._
Date: December20,2012
752670 12-02121-2
',-
..
.

(HOMEEQmficoNYIatslOM
STATE0'FL
JUUf05.1008
PROPERTYADDRESS FHACUIf(umb,r: 09J-44aS741/PS1-Z'S
LO'DN1UDbtI:3'100
Ionswll'thwop
<XI!&,lL34481
1. DEFINJTJON3
1I1QI1' .allpersOIi liFiai" rJI. tad orIbil Nota. "Lade'"JQAZII LIbw17 ae"",Mor1I""Inc. IRd ill
6I1d Ulip3. -Scg-ctlJ"t' mC&D.I Iho Sec:teCal7 or HowIkII ancI Ulban Dev.,lopmCDI or hJa or 11 aulhot1ud
cntlCivfa.
1. BORROWER'SFaOMISETOPAY;INTEREST
111 for lIDOuntl1o be b)'Lcmdct up CO muimLInprincq.1aJDOUDt of0Kluadrcd NlDdT-&l&blTbounAd
and 001100 Dollar. Lo or for tho beDct1c ofBocroww uad. teDIII ara Hona. Sqa1ty COUftl'lion Loan
Ai""rDCDtdatedJw.e05,100'rLoaD Apemalli,BoJTOWVpromiRItoprj tolb.orderofLaJdcrprin;ipaJIInOQDI oquaJ
to JumoftlJLoanAdwnceIlnIdo"adalb.LoaJaApcmeDlwilbiDt&:reIL AUamouatl br1ADdet,plulintcreat,if
r10l paidtlrllu.Ir6dueand ..,ableonOcklbu2',%0'0. btaracwill beclwpd.onQDpIidprinoipaIat&he r.- ofThree.Jld
66/10Q (3.660%)peryearUlStiJ IbtfUU IQ1QUIlt ofpriac:ipa11wl>eoa pUd. TbD ialorOlt ..1nIY cbMaoia
wilbPI1Ip.phS ofl1dlNotl, AtmeendorcubmoaUl,eccrvedlDterutdII1lb,IddodtD andmadIpertoftheprlocipaJ bllMec
IS.Loan AdvlDce andsb&J) Uk""'"thGrM1ltrboatintocwf.
J. PROMISEroPAYSECURIJ)
BorroweflpromiletopqIIICClftd by mortpp,deedof&nileoreim1J&r.cwrityiUnllDIDCthac 11 dacedfbe lllDeckte..thi'
NOlO and ClUed the [MtnmznL" Tho Iununeat proleCtl UJ, Lender ftvm loRer which mipi n=nlt if
Borrow"dcrauJb uDdcrchiaNoto.
4. MANNEROFfAYMINT
(A)7lme
BorrownahD.1J pa)'alloulSla.DdinsprW"'P.1 NJd ICCJlIod lateral10 LenderupUArecoiplor.DOlJco byLc'Sderrequirio&immcdi..tr:
plymcntiufuJI, ..providedinPUJoFIpb7ofrbi.Note.
(D}
Piymen.Ihell ba mad. Ill09Sl Wblt'Roek Road.S.,U.ZOO. Raaca.oCDrdOVa, CA Of lOyJudiolhcr plago IILender
mayciufcnlleinwritiJJSby toBorrowor.
(C)UrnltattonorLlabWty
HOllOwerIhallhlvonopcnooalJlIbUiey for plymaLtof U11 debt. ,b&U dalll deb.onlyO1roupnJeDrlbDPropet1y
cDveredby'beScC\&rlryID$tn&mcn, ("Propetty'). IflbbNote itusipld10 theStmIaIy,the IhaIl110lbeliableCor any
ditrenncc benvcca tho mOl1pltIDAIlIDGC beoe6l1pIId &0 1ADdv.adtbo ovtItIDdln&Ddcblcdn-.jocJvctinllCX%Ued inCerert.
owedby BOrnJwtl11&h. cimo ofUlipvnalt. .
5. INTKUSTItATECHANCES
(A)Ch.ne'D.r.
The r'lCO 112.)' chaDg,e on tho lim.yor SepCembrr 1,ZOO, t.ad 08_ dIyofeach )'Af,Ql ..L&he Orlf
day orclch"'cccedhJJrDOIlch. Cbar1JO Oil.me&DIcad!dat.oOG ",hic;bcJ:Jc iDtcrc:l1n'. chu."
(8)The Index
Beginnin,with the IhltChauSI Delt, (he lntaq\rate wm bebased 00an ludta. "Jodu- me.odie WDekJy .veIaieyiDId 011
United SlIlaTraNr)' IdjUl1Cd liD I COQIUnt IhItwrity groatY'IIl.u PJIIdo available bythe Yodera) RCHn'G Boud..
Indumoan. mOIl Bpre&vaUablt30.)'1beforedieQua.D,'" IItilt (IIdellaed..bove) ia
no IO&'l8et Ivailable,Lenderwill UK U DeW Index myladaPftW1"bed bythe SecwClly. I..eada'wiU Jiw;Borrowernoticeor
the newIndex.
(C)Colcu.l:ationorItlluut lUteCblnct.l
Beroneach 0_,,8c..o.lAnduwlU c:aJcul.cc IIIWmla'lll '*by_dding D1II1in or1.500 poinlll Jo lb.Curren
Tndell. SUbJOCI co the fimib.ca,eerInPmsnPhS(D) oCuu.Nota. thja llJlounlwJIl b.the a-winlelWtnte\&QUI thenatCJJanp
Daro.
.... .' .
(D)lJmlu....lateral 'Ral,CWapI
,\Qual: TheiatanICraIO wW..everIDc:reuI0(doc;n:utbylIIGl'I IhuItwo pojqll(2.0")OQ any
liqkChIna. ... The lalerel\ratewfU ntvbel iliONdIU &v,ptmntq,-poi...(S.O%) hlPiror lower
lbaaIhomltlalJaCCrellme_redin p......pb2ollhilNow..
(E)Node.,reb.nlcs
Lend...will &ivo %tOllca 10 BorrvwltoflaydIaDIC IaUt. mlC1t1C mco. 1'bG nodco ..be am-s1'1cu12SdIyI tho new
intlKlrSll'l1tllJceaefftcC, andnaaI'_lOdh(I)11M discoft.beaot.iot. (iI)Ihea-p0....(Jii)112, old lit Ov)the DITW
InCCruttlte.(v) 1M IUd.0ciliaItW8I pubu.hed,(vi) Ihemethod ....-UU-CCS Jnlmlt lad(vii)
IlJ)'otherinfonnlUoawbicbIDly'" byJawOunum.,eo tim,.
(F)ECfccU".Oa'etlOupi
ADew iptm.llBleoaJculaeed Jq ICCOrdIDOl willi 5(C)IIld '(0)oftbJI N*wiU become oftiod.,.OIl !he Cb&oIo
Dale;ual.di.Cbu\aoDa0CG&rI1ON 1hID 2S day.aa. -Ii'"Gal aodele. lCIII,JntcraI'*caleulatedin
with Pltlpptwj(C)aacI '(D)ofthllNoledec:n&a.d, lul I.adcr!ailed to 1m.IUnoIy DOd"" orthe d.o,..IIld
hi,hl'lllCC tIIlD the rat,wbidtlbouJdUvtbeaItlweI In.IJmeJynoico. u.aLeaderIhaIJ dIo principii
balaaC4oW'eclUDderthilNole10UdocIDOl "Om1117 iD-.sL
G.BORROWER'SRlCHTTOPRUAY
ABOrTOMInteeiviqmOGlbJ)'PI)'IDtnCS\U1da'Ib,LoaoAl*CIltGlbas IhItlJhtro pI,lhe 4* bylhlI lDwbok
orin part, wllhoutd1&rp orpCOllEy. MyunouaL ofdcb(pr-plidYt'ill &titboapp50cI ... Nduce the priocipal.....nc.or
So'OndNole In JIof&byNOI'andtheatG r9ducc til.prinoip.tbIJuotoClhilNo...
AU P"'PaymmllofthtpriaeipalbaJlnCG$hIUbe IpplledbylAadwIIlolloW&:
IiaJ,'0%has poJ11ooofiliaprincipalbaJaaG41 ..tGUIII'l&NpJcP')'D1CDIIformot<&I" illWUCJOpRmf\&ml:
&wu&.tolb.1portionotlho reprueDliDc.w,plC rotIItVidaIrca;
IlJim.10 lbatpoltJoaofUtopriooipaJ RprlllonUqaoonaed dII01mduUIe lad
fmuJ.b, co cbo rvraainiDipostioa ofthe prinofptl ABonow.IMJ wbc:tbtr iI to beon:a&ed to thM
poniQO priKfpllb.1IDCfrqnamlinlllVDthly or thaUDo of0Nldit. UDorrowwu.e1101 ckraipatlt_!dob
o(the principal bI1aoeo II Co bepnpdd.LeodIrth&U IJ'PIy ID1 par1i.J toIn.ilrmilineorcr-dkorera"new
liQO of
7, IMMEDIATEPAYMENTIN J'ULL
(A) orSal.
Lender(Ill)' lmmc:dlatctpayme;nt In tbJl ofIII priDelpalMd LDceralIf
(i) ABorrvwwell.aadthePropert)'..DOC IheprincipiicetkklbcoofItLealon.turVtvtD,Borrowu;or
(Ii) AU or_Bortowa',tiUo iA Ibt ProJ*1)' (orIN or bel" bmoOo6ll Ill....to tNItowntaa &II or pll1 or\he
Propeny)IIIOJc1oro&bcrwlto hDlfmcd.cIDO Q&bc:r BQnoww...1alu (a) ddc.&0 .... Propce1y in 'oelimp(b)
ICMehoJd .....leaRfor1_thau" )w!IwhIdJ II""'"or.I..havina.-..lAla,plriodofno'
leathin yarIbeyond tho .oraw oClbe)'OW1lClt Borrvvtw(orrtICIIiAln,.
mlcrafiG tnLItwkhNCb anlateral illlb. or(0) -tte, ....0illt1W J'n)pfIty.
lB) OrJ.,rGroWld,
Lend-=r maytlqvJroimDlodillD plymCftC mfull ofall outslladla.prinoipallDdIQ1Z'UOd ID&elat. \ipoG1ppm'llbyan .ulhor*d
nprlSCI1t1dveofthc if: :
(i) ThePropcnyewuCO becbe priBcip&l ofaBonowtr forreMOIIIolber&han IUdcbe iI
DOLthe reaicSoDMof 'ltut ODeolberBonvww;
(it) Por.periodofJonacrthan tweIYo(12)COIIIa:IUiYemcmtbl. aBanvwwfaJlllDpIqIbU)'owupyIbe
bcx:.ue orphyflcal or laeo&IJ ilia.,IIId IbI PnJparcy II aot abo priaotpIJ ,.ktIIQoftC .. vne om..-
Borrow; gr
(C) orCo...&Ad Expe.a.RI
IfIADdlr .....Ad JA fbD, ..dcaGrlbed,be",IbIdeb,oaf'o"*,Ibraqb ..oldiePropanyIDlYincSwi,
COItllU1d iududlallUlOMbl'andalSlIOInUylUOrao)'I' (c"._ooiaIIdwitb ofdUINOIe10 r.bc UIeftIIlOI
ptokibJledby IJ'pUcablo aiW. SGCbleNlAC! .b&l1katII...,from cS.t.0'cUP.....,aIm, ... ,.c. IItheprfAetpal
oCc.bliHole. .
--::""1r.. .. ..... -. . .. .- ......
CD) Trurl
CoaftyIdClorI Bonowor'Iinto1WC JD da.1Jvptrt;)'to I WIt""Ida .... IbenquIrwInInIIof thoseortIuJ.orQOIIW)WICIof.
tNlc'. IndM Propertyco Bamwu ..,DotIt,00ftIichndalXlft,.,...for orllQPnarapQ. AIMlIbOMC
beCGuldlndIII ocoupIIdorbeGaaliclcnd.. blvl"._ rut..... lor,..,... ortN.larapph.
I. WAIVERS
BonvwerWIivwdienpcaofpn=antnlelllandDodce or .....01'. mew.. riIhllDRqU!RLcDcIa" CD demend
paymulofll1lCJQnlldu.. "NodceordiIhoDOf'DOiatil,r1Jb11D x.cfor10PVgvotIooIvodIWpennithaiamouotldua
haY,fto&.,., pajd. .
J. G1VINGOlfNOllC18
UDlul law......IcWroreattaeChod,anyDOlioe IbItmallbe pwneo BomIww.., au.Mace 'Will be livenby
doUftrinlnorbylNUlaIllbJtnt ..-UtoBonowv11die .ddM8lbow01'ItadltrIrentaddrcAIrBonvw....
livaLIIIdar1101101 dI1I'cnGladdIou.
Arty 1\01lca lhalmua& bo sfVCA r.o Lcndw under mil NouI will bll'veaby ftnl eM-'110LandorIllh'ldchsaItlled b1
PlJ'lpph4(8)orId cSiaWODladdresIlfBonowtrlI,lYlllIaDdcooCthIadia".... &4drra.
JO. OIUJGAnONsor rIRSONSt1NDDnusNOD
Ir11I0re lhla0.0penonIl,UJhiINo"IICbpc:rlGllllftlllyobllplcd10 Pcp.UofIbeptOriIandGIn Ud,NolO. LcDdma)'
cn(orelillrilntluncIorChi'NoC..., chrwshMJooflbaPtoperty.
(I. ULAnONSHIPTOSECONDNOTE
(A)Su:o"dNGti
Bce:lUII Borrowerwillbe replY lmowdl whkb Sclc:reIIr)' mqnUa10 oron boIaIrofBorruwwp\U1J1mt 10
Seol1oa 25S(1)(l){A)orIt.NAIJonalHowlDaAceIIIddwLolftAIJO'IIItDI.ChaStateary" BOIfOWtII'10&JUtStcOnd
NolC tho
(8)RelaUalWlJp.rSecma"1l"mcallq thllN,I,
'I1JDIDts ...byClIo SGCrWCIUy.hI1lDOlboIDchsdcd ..dwdeblcillO __&b!I Note
(I) nilNoIDIIuatpodtotiltSccrGtIIJ;Of
(n) TheSecletalyIccep&Inbnbonemt2S11bythllAIsduforallJMlyaacor.-aby .,s.eCII'Y.
rrfbc cin:urnMnoadClCl'ibtd In(I)01(iI)oocur, thau aU pIyIUIJiJIIlIdoby1MSocnc.y. llacJudIq taraalOD Iho payrnc:dll.
shallbIinGludcd InahadebL
(C)lITterIIIBorrow.r
WbaIta.. IInoIAiplnCnlOf daacrlbcdJq(DXI)or(1i),1IUICho makaplyrDeatiroBorrvlWU,UIon
Bon'OW01IuDDOl:
(i) Bc n:quJRd to piy IDlOW1Cl owed WIder Ibll WO'o =tI...SoototIry ..... r-plred paJ111ClDI In ft.IlJ of.n
oulaWldIaa pda;ipll lad IOCrued Inc....Itlb. Stooad Ncu h.td by 11M StcntaI1. noMltbltaadinl
totheon.,.,.,Ia o!t!WI Of
' t ,
(it) B,oWlploClCO paylacerwtorIbared dUNollieut1 w.......... bIfongrIn.
1MpI)1'I*ltlbyabeSecnIII7,lAd"botherDrQataGCIMd...... !aubRa thopriDcip&lb.auc.or
&hil Not., aa)1htq to til,oollblly1ft PlrlpIpha2or, oftid,N0t6 or111'/ ADon,. to lbtl
Noao..
-- --" ... - - - - -_.. - -_.. 1..- _. . .. _
(D) Tr11
Conveyanceof.Bonvwa'iUUcralin theProperty EO.tNllwhich mooll Ibe nquh,mcoLioflltcS.erelarr,01COI1VC)'1I'tee Dr.
cru.t',InltraCiDeMPropat1tv.Borrowcr.IhIUDOt bo coa,c)"DCC(urJl1ll1M*lorChi. Panaraph. AtnIIllhallDOC
beconI[c=cc1an0CCllI*'1orbeCODIJdered u haviftl'priocipllrr*deaceforpurpoIelortbb""fnPk.
I. WAIVERS
Borrowerw&'"'thtJial'da DCprweDCmeatINI notice ordisbonor. -1'rw4mCJMQr' mea..lb'ri,ht&0 reqube Lender10 donwnd
ptymenroramOUftUdu" "Noticeordishonor- mDlI1ltherip'toraquiroLeaderloJiVIlora10 otherpcnonathll1Ull0000tI due
hivenor be.paid.
9. CIVJNCorNOTICES
UnlwJlppJiuble IIWrcquim I different method, any notice &hI1 muM b'liven Lo Borrowerunder IhilNoto-IIIbe liven by
dcJlvcrinallorby IIbyflnt1:1mail10 BorrowerIedlo propet1)lICIdnaIIbovoor ...dUrcnnt1deSt.ifBonowerhll
sJvenLenderlOti"otBonowcr'.dlR'crenc IddlWl.
ADy that nlUlt bo &inn to Lead... under thi, Note will bo liVlrl by fi,.eiall mail lo Leader lalbe.ddlUlllalodIn
PU41taph4{B)orIf.diR'cmsladdru,ifBonvwcrisIIcGI gfthaldUfereal.ddml.
10. OBLIGATIONS0'PERSONS UNDERTHISNOTE
Irmorc th'" 0"' pnOrJ asnl dlil Note, l.eh pcrlOR Is lUll)' oblipled10 keep .U or Ihepromlsa mldcInibis Note. Lenderm-y
enfoTeeill"ShuIIftderthbNoteonlythrDuah111.oflh.Property.
LI. RELATIONSHIPTOSECONDNOTE
(A)Se'oncSNote
Bceau,o BOlTowcr will be reqWrcd lD repay ,cnounll which &he SOC:I"Clal)' may mlto 10 or'OI bchIlforBon'owcr
See.&ion1S5(i)(l)(A) National Howln. .ndthoLor.aAsrecmcnl,&be SOCR&&rJ b..,..qu1rcdBorrower10.r,nl&Second
NoLe to I,heSecrr:tary.
(8)Rel,UonallipDrSeuetlryP.ymeDca I,fbJfN.lt
PllymnLlmldebylhD S.cR1II)'shall nolbe includedinIhcdlblduo lhi.NoteliDlell:
(i) nilHole1.1 WiSped10 lb' or
(ii) ThaSeaetuyac;cepllrcliabunemutlby the: Lenderlorall p&)'I'DGntllDldobyrheSccntary.
Ifthe cim.msllncadescribed 1ft (I)or(Ji) OCCUlt lhcn Inpayme,us JMdc byIhe Secrelary. indudin.inlm:st01'the pI)'mcru.
.hallbeLncludedinthedebt.
(C) EIT'" OC Borrow...
i.noUJil"mcn4ornshnburacrncal U c1cIcrlbcdin (B)(I)or(li),andlheSecn\1U)'mlkospa)'QICIILIIOBonOftf.then
Borrowor.hlllnor:
(i) Bc required CO pay amounlt owed under Chi, Nolo undl tho Sec;mary hat required pIJIIlcat in fuU or.u
olus&aftdina principal and inte"'ll \alder,lhc SeoorMI NOlo held by OlD Sogl'Orary. notwl1b1&andiq
.n)'lbin.tolhcGontraryiD 1ofthai ar
(ii) BeobUpeodtoP.'inlcrCll or.bared widecchiINOIeallMl1time,whothoraccmedboro,..or.fter
thoplyrMUCIby IbeSeeR",>,.,nc!whether01Dot.CCJ1IfCI II"been iDelvdcd&n thepriocipaJ.Ianceof
UUI No ftotwithmncLinl aaythina Lo the wncruy In rnanphs2or, ofWI Notl or &II)' AUonie to ttl
Nole.
BY SIONrNOBeLOW.BOmJwcraccrpll Ind.peatothe lermludoovauntl ..thlsNole.
DI'ed:

PmclepcM.CIUapl.
ADJUSTABLERATESECONDNOTE
(HOMEEQUITYCONVERSION)

June OS,1008
FHA Cu.Ngmber: OJI-U05741J951..l55
fROPERTYADDRESS LoinNvmber:39JOO
80'%SW11SUILoop
Ocala,FL34481
1. D!FlNmONS
-IJorrowcr" mean. e-=b pcr1Qft lianinl at Ibo CGCI oC thb Note or -Lender" en....'he of
HOUIu\Slnd UrbanDevelopmentorbborherluthorize4repruea18thct.
1. BORROWER'SPROMlSZTOPAYiINTEREST
'10 tel1UlJ fo, amount5 to btIdvlneMby Lcndct' up to.maxinnam priKjpalamouzalor OAe auadred Nlaety-El&h&
Thounnd cs oonooDoIkn(Sl,OOO.OO), to OJ for tbe badilorBorrower 1IDda- tho IIrmI aC. Home Equity
CORYCRicn Loan d.1&'d JUDe 05, %008 ru- AIrecmaICj,'Do,""""pronU_ tg pay to tbe ardor or
Lenderaprincipalamountequal\0 lb'f\In\ oraU LoIn AclVllDCCl mIde and abo LoaApoana\Iwith All
lmoUOtJad'\lw:ed byLender,phil ioteme.,f'ngt paid 0Il1itr,litduoand ..y.bJcOft OclOlfa- zt,1OIO. lnttntlwill
be Dn Uf1PJld principal ItChc rate ofThne."d'''100perceol (3.660%) per year wnrl 1M 1\IU .mounto(
principalhu be= paid. Tho maydlaQilm accordanaB wich , of mis Hoc. At010 UldorUGh
monlh, acaued iJJtetatahall boaddedU) aadmade petof Ihe bltan"u Lolli AdVlQGC IZ1d Iba1I lilu:wiso
tMreaOcr bearincercst.
3. PROMJSETOPAYSECURED
Donvwd'promiK '0p.y q bylROJ"CII.8'deed ofINIIor.imllar,.writ)'iN1:nuDaltthati. dued -rna
IS Ibis Note and the wStcuritylutrwnaIt- orthe -Seooad Security lftS&nm1gl
tt
na.Seowitylnsttumenl
proteeU che Leader Itom louawhich ml.btresult ifBorrower dafauJ1l nderIhiI Nor.e. Borrower.1so I
Fir$lSecurity &lid First Nolowhca the Sctond SlC&.Irit)' lnIln&mD'Gtand tbi.INolO were"OW1I<l.
4. MANNER OF PAYMENT'
(A) Time
shallplyaJl outstandingprint;;ip.1and lAttn.lt 10 Leaderupon RleCipC or.DOUce byLender
irnmtdiatep.ymeatin fuU. u providediJ)Panppb7orIbisNole.
(B) Pllte
Payment JhaU be made II the omoeorthe Housin&FHA CCImptrOJIu, OJrector of. Mottpa' [nNrIII.CC ACWW1tina
and Servieinlo 451 7th S.W., WashU3.l.oa. DC 20410. or my IUch other u l.ondu may desiCJIlce in
wrHi4'l1 bynoticeto Borrcwcr.
(C) UndrltJoaofUabWry
Borrower &hall hiveDO perao,w JilOiliey fa, p8)'IDent ofcho Lender aN.1J cmorce lb.deb' oat)'throuah uleor
the PtvpCCt)'covered by theSteUritylndnmtcut("
"
.'..
(A) CIr.&DCf P'te
Tho tnle.reslrBt8rM)' chance on tho rlflt dayorSf'pteabu1, 2001and on _ that day of IUCCCOdinlyear. or
2L tbefn'dDY ofMehIUCCtcdiQI ChlepDeltSJnOIDt ndIdateoawhJc;b tbt iDLeI'CII qt,
(.D) The Indo
Beiinniplwilh the 01'1\ Ollnl'D.C..tkintuettritewill be bucdOQ t.nlodu. -Index"mCIDI lM weekly
rick!00 UAited SQIeITlQ.fUry -adjWI'ed 10. ...,IIlaIWity ofOI\O,ear, u made"diablobythe FedeRl
ReserveBoard.. ItC'ulmlc Index- mcIDIlhemoar fil\W .",uble30day.before lbeCbaaae tf\he
Index (udefl11ed above)11 nolo0ICl'IvaiWJle.Lend.wIll UM ...nn any indax pRlaibcdb)' \beScoftllly.
LenderwiU live Borrow.nolleo ofLhe,now
(C)CalculationorInC.rutR.,.CURl"
Bo(orc cubChMpDate.LeDQcrwW caJcWakJ I pew .. by a4diaa. matcm of1.500petCClmlac poinllco
the rnd.x. SubJecttotho III PlU1Ippb5(0)ofUIJI Nocc.ChillmOUlltwiU tilthenew&o\CtCft raLt
Wlfillhc ChI D&&c.
12
../
Ir
(.
.'...:
(D)[JnlitsOG Illcu." RaleChanl"
....a1: The izscaul1'1." wiD Myar tnONUO or......by...daIn 1WV pGt:Cl1tq. pom'"
(2.0K)aDU1.lnKleCban&t D'Ie. Tbehi.... "'"willDe.:be more Ii.,.pelCC8ra,.pointl
("em>JUparOl:lowtrlbIDCh.icidaLbuastrwC,1tItIId Iaran.,apb2of1bi'No..
-A.. MafJIly: n. iDtwn:ltracowillMvetlacruaeaboYw13."0%.
(E) Natlworo-au
LcDdcrwjlJIbcaoci.. 10Borrowwof8ll1dlul.1n&he lalc:A:lClaID. TboDOIiGtIII\IIthoP"'"IIleNt15da)'lberon
UtenrtW--nr.Clkaeffect.IIIdbJUlL .. bth(I)thecia..orthe....(if)dieQIII1pDIIo.(lU)11M old
me,(ho) tt.IItW .... _ (y)theeun'tDt IIId IhedaM Itwupub&llbed,(vi)UtIJll8Claocl ofcaIwIadJlllbo
Wnaluti,cr (W)ID)'ok1Df0000UOJI-hJCh_ybe,.1R4byI.wfrom_ totia.c.
(P') EUtc.&h.D... or cu.,..
AnewiftWWCRtzcaIGuJaIeclinItC01'daDoewllh 5(C)IDd S(D)ofIhi.Nomwillbeco.. on the
OJaallD-.IIDlcu ..e-p0 ...0GCIn IeIIIhIa2$ da)"after Leader buak'eche NqIIIred noricI. Ifthe
il1lclUc,.tacaloulalocllaIcc.ont.:ewiIh S(C)_ S(D)o(lhi.HOlD ---cd,burLaeSa'faJlod to If"-
litnctyDOdce ot1h.dccr.t.aDd 1ppIitcI.hiPcrrateIbnCbe nICe wJllcIa IbcNJdbIYtbleDIWICI fD time!)' DOdcI.
lJIapt.e4d...1htJ1realc:uJarclitopricacipalbtJaac:eC).1IdundIrthiINa10 .1 ...DOt nOa 1n1 in.....
6. BORROWIR'SRlGBTTOrUPAY
ABomNlJ'rccMDamo..cbty UDder the Apczrae b.CbI rtlbtIa paJlbIdebt wicJenccd by ddt
Nole, inwho"orIupan.wlduJul .....orJXNl1. Arty amounIof dokprepIidwillfirItbl.applild&0 nellalb.
prin.1ballnGeordli.NotalidtheatoNduC4l diepIAaQpa]hLllDoeof&be NoM.
AllpreparmeDtiGrtbepdddpalb.1AncoIhaIIbe'ppliedbyLc.Ddcrufv1Jowl:
limLo lIluportlo.uollbo belmcc,...eDdQlqFlltopeymeDtiformonca" promiumsi
10IMlportiono((kpz=tpaJbt1lDcelCJJR'"DtUJiIARPCopaymullfarICIYkiDcfeer.
IlUnittochalportiOAofthapriDcipal Rpraendn,lCmUNtiDCenIleMUIUlctdl&NOlI,ad
lmmb. Ia Ill,r=aahaJhI portlaa oftbI priDcipal b&IaDce. ABoaoWll'DIY wbtIbar IRP')'DICI)lblOb'
QUledtodual poIdaaor.. pdDOipal ..... rIpftICIItiaaftSOGdd)',.)'11*&1- tUUDeofClldlt. ltBOhOWIrdoa
IJOt 4e.riant1C wblcbpottiodofdiepriDoipalbllaDoeII10beprepltd, thad.ppl1lftypdaI 10..
c:li.ril1lJiMofcadit or iDOWliu.9fCRdh.
1. IMMEDIATEPA'YMurrIN FULL
(A) DutborSal,
Lendural'Ret-- imnledialD")'IDCIIltlqt\aLl ofall DUzstanclLo,principaJ....ucruecllllterelt
(I) ABonowcrdi.IPdIbIPropertyIsQO(Ihct,riacip.1raktaoccor I ODe MViYia&Borrow;OC'
(li) Allor.BOIft....dd,Jza Ih8PIopc:nyCor orher_fIoialba tInaWitonlqallorgut
Propc:rf) II lOkiCIT odIanYi.nufcmd ocher 8CInvwc,.w(.)ddo ID &be PrupcnfiQ fM
fiq11e (b) lease.bold mtdIr. Jot,'- 9P )'l1liwhic!a " .....blt or.lcue blvIPl
remahsi...period ofDO' leu Iban '0yeaI ....dillor1M lOOdt birthday orthe YOUDIQt
Bonvwer(or bt=1i;WIDtnltinI triacwithIUGh 1ft .... iIa die PIvpeny), or(0) nr.
ClImIIIthePIopcrty.
(8) OdacrGnglldl
m.ylequire i.rmDediaII pqmcatia ftdIofall pdIIGipIJadeacnaod iDtaoIC,upOR IpproYa1bylID
.lIIhotUcclrtpz'UMtlUWofthcSlCNIIfY. if:
(I) 11M Propeltt to b'tbo pnnolpaJ aid.. of Borrow.lor .... oCbor thin death .ad'abe
PIoP"'YI.nocdteprinoipal oratJeutOM9&hr80n'0wa;
(iI) For.pmodor 10. tvtoelYe (12) moOCh., I IIonvwII'&ill to OCCRIpJ 1he _
Propc1J.....ofpbyIJoalCIT ftDIcal11m- lAd cbtPtoplrtTyDOt ....principii_Ideaceo/al....
OM0CberBCPD'OWel; or .
(C) rayareJUorC.JQaDdEJp,u.
lrLenderhalreq\dndfmmedi,,- pl.'YlDcut inftalJ, u dcacribott.bow,dI'dobt.fbIcedINouPsale01&be PJvpe;rty
may lnchade c:oI1I andc:xpoaIeI.mctudaa, IIIdQUItomar)'tDurM)'I'eta...ocill1lDcf wi&lt enlorc:amcanor
Noc.. Sucla fees ad GOlf" tball bar tlden:st &om...at dJsbur1c;Dal at ..IIlIIIrUtu thepriD,1pIIofIhia


"
(0) Trull.
eony.,.covt.Bonvwor'. in....10 da, PrvpezV CO eru.t wbfell ....tile ,equhwneftl8 of1M SccnCary, or
cotM)'lnceof.InIItIin....In thePrapeny toI Bonowv.IhaJI noc beCODIfdndoa1m,yIaoe b paIl*CIof
this Pmpaph. A IIUIC WU not 1M oonsiden=d an occupant Ol be ISiaYt...prilJalpal reIidcnce ror
oflhiI'1I'Ipph.
8. WAIVERS
BorrowerWI"'"rbtn&hllofpratallDenimdnodoo ordllhoD.. maanrtheri&J\t10 requiretMuSor10
demand p.ynMAI orAmO..a due. "NoUce ofdishonor" meant die nPt10 requiN Lander II) liYo uoclce10 other
pa10D1IMlll1lOUdtaIv.J.&....'DOC beeapahl.
9. GMNGOFNO'nCU
Unress appllcablo IIw I dlfrrnn& nlhod.MYDOCiGo lhalnRIIlI beaJvcto'BorrowerunderIhllNo&o willbe
81ven byddli\'lrinlltorbylllliUqIt by anaellaiDaillO Bonowcr11111_ pIVpCIty fCIdrog aboworaJ I dJtrenna
addrmif BcrrowerhaKlvcnUwSacnna:yI DOdgeofBonvwa'ldUfenUiaddrca.
Anynolkcl'hllmmtb,.lven'0theSocncaryundor!hltNotG wiU bealwnby omoj....11 co IhaSUD Pi.1eI Office
wiLhjurisdlcUDIl d1e Pnapenyot1n1otherIddraIcSulpcedbythe
10. oDlJCA.nONSOPPERSONS UNDERTHIS NOTE
I(more ChIn onepmonliptl\JsNote., eaah pelIOn II ftaJly 10 keep aU ofcho pronsi_m.deIn tNt Norc.
Lond.rrna)'anrorce,..rfChClunderthbNoco ulyIhroupIll.otdaePtapcny.
II. R1UnONSRIPTOBDtSTNOTB
(A)SttondNote
DeC&lllO Bonowor will bel raqulrod 10 .,1111OUn11 wAllch dI' 11&1)' mabr6 Ofem behl!!ofBonowu
pwlullllloSec;rjQa 235(r)(lXA) ofdieN,doIwJ HoUlin.Ace NJd the LoInApaDoar.1beSecrorlry....
Borrower\0P'WthlaNoteto theSacrolll)'.
(8)Rel.UoublpofSccretl'1r.p'eat.to"nrNot.
m"bythes.cr.caryIhalAboincludedIntit.dobfdueuncIDrtWaNoteUDleM;
(i) The Notl UllpcdCO IhoSoc:nwy;o'r
(ii) lb' ,"cplln1JmbuncmonubytheLender(OfallplyYMnb,ndobythe
l(thoclrQllNtl,,*daeribcdta (0 or(U)occur, lhtsa &11 pl1IIJCI1t1 mad- by lb.StQCtary, inotudina .....,on 'ho
hlilbeinohldedIntbtdtblundwtheIltmNOIe.
(C) Netllce.II"tqout.1UI.AdJuUlfttati
Borrowerl1l*I&hat U 100111 me holderorlbtPimNote CDnrtDOCl to makeLoan IUiVInCCll, 1111 nodeooffnLIfU1
rile adjultrurt siya10 BonvwerUDder Pan.pphS(B)'0(the PlmNOCIr lhall .110 be oorllJdClled be aotfce 10
BonowerWldCf r.rapaph'<E)orthlaNOlet101hIJ.,Ibo l'lle,baI1lpp!yfortheFltItNoteladIhitNote.
BVSrONlNoBELOW,Bonvwer andqreestoU\o lamslAd intimNote.
01ted: 5
;r

(D) Tru,ts.
Conwylncc orBOlfOW' in lilt to llwtwbJdw rnccU &he reqwremeall orIhc Seadll)', or
COf\veyance of.tJ'UtI'I inlerutl in thtt Propctt)'to.Bonower, 1b&J1 1'01 ba c:onveylACO for pwpolcSor
this P1n8Jlph. AIrUSt .halt not be In occupuc or be ..bevil2l principii re.sldence ror
orIhi.P"'lrJph.
I. WAIVERS
BorrowCl' wa; va1MriahU'or and noticeofdishonor. meant &he ripato require Lender(0
de.fT1a.nd p'ymenl oflmOun" due. IINociec ordishonor" rneaM &he nlhl10 Rq".-e Lender to Ii".nolicc 10 other
pmons lhallmcwntlduohJvc plid.
t. GIVINGOF NOTICES
Unlwappliub\a gwA:qUircs I ditrcrcnl method, any notic=c lhal m\&It bG SivQI 10 BonvwerunderIhisNoeo will be
liven b)delivcrinl it orby mailin.Uby ftnlclIO mail 10 Donuwcr IC tho proporty IddRa OJ ItI differenl
,ddrelsifBonoMrhas &ivan dliS=clarynoticeorBorrow.difrltlftladdm..
Any IbltmuslboI;venro Iho SecrottryunderIhis Note winbl,i.onbyfirttetasmail to HUD PieldOffice
with over1M Prvpcl1yorIn)' addressdesign.lodbytheSocro..-y.
10. ODUCATrONSOFPERSONS UNDERTHISNOn
Ifmore than person sip.U,ia NOCt, eaeb pcrlon i.nail)' ablil,ted to kRpIII promiSOJ made in lhj. Note.
mlyenfofcoillrlahtlunder rt\1s NoteonlythrDuSh ortheProperty.
1J. RELATIONSHIPTO FIRSTNOTE
(A)SceNeS Nore
'6cClUJC Borrower will b.required to replY .tnCMll which lbc may make 10 or on behalfor
jn1J1U1nl to orthe N.rion.' HO\IIinl .ndthe Loan Agreementhe Semc.y"U
Borrower'oarent.hi,Not.Co lheSecl'ellry.
(8)ReJatlon'hlp01SeeretlryP.,menr.10 FlnlNote .
r. ymCllI. mldeby shallbe Includcd the due underChi, Noteunlcu:
(i) TheF!r11 Hole il..,ipedtD IheScc:nt&T)'; OJ
Oi} ThllSecrelll)'ICccpl! rclmbunC:lMOlJbyIhE! Londlrror.11 plymmuraadeby
ItlIn: circ:umllaDOa deccn"bccf in (i)Of (ii) OCCUI. !hen .U paymcoll mid.by the SecRlary, inclvdina jnlerNlon the:
paytnenu,lhIl1be 14 Ole debtunderthePintNole.
(C) No'lc,orInCfrulAlloA.,..llIMat,
BoCfOWOl' IlrwIhIu Ionl tho holderor First NOle continues10 makeLoanAdv&nCC'. any nollceofInlerctl
IdJuslmCnl livento Bonowtr Pmpapb'00oftho Fi..NoCD lball also b. 10 be 'POllee 10
BorrowerunderParapsph'(Elorchill Note.10Ihalthe_ ..irUm1lrueshin.pptyfortheFialNot,.nd\hisNola.
"-'f ..
BV SlGNfNO BELOW,BorrowerIccepts-adIzreeI10th8le:trm udCOVC1Wlll cantlined h,thbNOlo.
OIlc4: :2.Q:)8
r.nc!opeM.GUJapl.
PcadopcM.Clne.plc.Trvllrc
::-....10

A
Lt'56"i
.....
.------ - -.....--
---_.:._- -----
DAVI>R.ELLSPERMANN,ClERK
ReceIVingRequestedby&
DATE:0612512008 12:55:34PM
WhenReoorded RetumTo:
FILE 2008065289 ORBK05057PGS1670-1882
USRecordings. Inc.
2925CountryDriveSte201
RECORDINGFEE8112.G1
St.Peul. MN 55117 2...J"I'!.l.
MORTDOCTAX 693.00

INTANGTAX 396.00
ubertyRcvseMortP"!DC.
10951 WhiteRootRoad. Saito200
RJutchoCordova, 95670
FIlACuoNumbeI': 091-4405741"5%-255
39100
StateolJi'lorida ADJUSTABLERATE ""J
HQMBEQUITYCOlfVBR8IONMOR.TGAGE _AM"'''''1J.t.t
.
1HIS MORTGAGB ("Security isgivaaon Jos.2088. 'l'beJdOttpgorillPea.... .M. Nell. .
GIllespieandMarkGlDllpIe,.Co-Truateel orneGllelpit ....UyLhinlTraitA:ne-.telatedWebnaarJ10,U91.
whoaeaddressis80'2SW115thLoop.Ocall,IlL34481 ThiISoaJrltyIJudramcatisaivcatoLIbert)'Ref....
Mortpge,1Ilc:.,whichis0IpI1izedaDdexistiDa1IDdertholaMof1bI1tDofCalIfonll, aDd "bo8e addressill0J5lWbICe
RockRoad,Saite200, RaJaclao CA"'" ("Laldcr"). BonowerhuagNed totepayto[ADderamouatlwhich
LeaderisobJigataitoIClvauce,mcludmgtbtureadvInceI.WIderthotermIof.HomeBqui1JCoDwnionLoIIlAgreemenldated
theIIIl1CdateasIbisSecmityIDstrumentC'LoaD 11loapemmt10repaJisevidaDccdbyBonvwen dated
thosamedateIIIhfISeouritylDItnImeot(-Note'?- TbiISecurityIDatnJmeatIeCureItoLeader:<a> thoftIImymcatofthedebI
evidoIlcedbythoNoe, withinterutataratesubject10adjustmaI,andII ftDOWIlI.aIIaIioaI8DdmodIfieatioasoftheNote,
uptoamaximumprincipalamountODeBwadndNlaetJ-I'.IPt no.aadaudOQfIOODollars(SUI,OOO.OO);(b)thepa)'DleDI
ofallothersums,withiDIrRst,advInccd1IDder Plrapph5toprotIotthoIICtUityofthisSecurityII1sIrumeDtorodIarwiIedue
uoderthotczmsoftbisSecuri1yIDICI'UInCat;ud(c)thopetformaceofBOJrCIWCI'.covenantsandaareemeatsUDdertbisSecurity
IaatnJmclltaudtheNote. 1'h8ftJ1ldebt,includinlaDamouatIdacribedill(a),(b),IIIJd(e)above,lfaotpaideBJtier,isdueIUd
payable00October29,ZOIO. Forthis pulp08O,BorrowerdoeIbabymarrpp.putIDd'coDVeytoLeada-,the followiog
describedptopa1ylocatedillMadoaCoUDf. Florida:
The real property located atthe 8092 SW 1l5da 0uJa.rL34481, in tho CountyofMarIeJa. Itateofn.
described more tully on P.xhibit.Aattachedto dall Mortgago. I
TOGBTHERWITHalltheimprovementSDOWorheRatbrrmeted011 dlepropRt)'.aDdallalICIDeDU.ri....appurteDaDc:ea,and
ftxbIreIDOWor hendm' apartoftheFOpctty. ADrcp1lcemaols....additioDJabaJlalaobe covoradbyddtSocur1ty1Da1nmeat.
AllofthefcR&oinIiINferredtoin SecurityJDsIl'orlumtasthe"PRJpeny
BORROWER.COVBNANTSthat Bomrwer illawfuUy.eiaodofthcestateherebyoooveyedandbastIriPttomortgapaJt1Ilt
andconYfIY the PropertyIDdthattho'PxcpertyisuaeDCU111bcre4 BorrowarW8D1I1It8 IDdwiDdefeDdpucnJ.lytho lido10the
Propertyapinstallc1atma nbjectto&1l)'GIlCWJlbraDoaIofreoozd.
1HIS SBCU1UTY INSTRUMBNT combines uniform COwmDtl fornadoIIIlU8I andnorHlDifbtmcoVODlllll wiCh liDDled
varialioDlbyjurisdictiODtoconstitute.uaifanalecurityiuCnlmaatoovario&realproperty.
UNIFORMCOVENANTS. BomnvcraDdLender00\'0IUI.Qtand8poU foUowl:
FL rMmpst
'7!7rJ
1
/J

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Page 1of 13
2. P8JDInt of Propel't)' ClaaIJCI. Bqnowor shall pay all plOpldy dJarpI CODIiItfaI of1BxeI, arouad noll, ftood aad hazard
lllSUllnCO Ad apecla1l1S1e1tmeJlt1 ill & timely DIIIDIleI', ad IIIaII pruYide evideDco ofpaymeDt tD LondDr
t
uuJess Lender pays proparty cIIarps by wlthboklina fbadllvm DDJlhly paymeJIfI due CO the Bouuwer or by cI1argina lOCh
J)IYDlC2llti to alma ofCRCIit ..provided for in die Loa
3. Jllre, Flood ad Otber IIaard 1nIuruee. Bonowct IbaII iuure aU improveraeaCl OD tho P!operty9 wIaotber DOW III
exisklJce or sublequeotly erected. apinst say hazards. casualtieI, aDd contilprJcies. iDclJldiDa firo. 11aiI insurance Ihall be
malaCaiDed iD tbe IDlOUDII, to the I!DdonI IDd fbt the periods requlntd by lADder or the Secnary of HousiDa and Uzban
DeveIopmeDt ("SecretIr)"'). Bonowar shall also iGIuro aU on the Propedy. whelher DOW in eDteace or
lUbsequeDtly erected. apiDBt loa by floodl to tbe aImt requImcl by tbI Stadmy. AU iDIunaoo lbaD be carried widl
compIDfCI approved by LaDder. tho insaAnce poltciellDd flO" reoewaIIlball be held by Lendor and IhaIl hlclude loBI payable
CJaDleS fa favor ot and ill fonD ac;ceptahlo to. Lader.
In 1ho CMm1 ofloa, BoJrower shaD live Lender Immediate notice bymaiL Lender IDI)' mate proofofloa itDOC made promptly
by Boaower. Bach faIuranco COIDJ*1Y COJlCemed is hereby aud10dzed aDd didcted to maD paymeat for lOCh 1011 to Leudot,
lostead otto Borrowar au4 Leaderjointly. ImruraDoo plOCCDdIlhaIl be applied to ratarltioa or NpIir of dae damaaed Property.
if the restoration or n:pair i. ecooomically MIlblc cd Leoden IOCUrit1 iI DOt 1eaeIled.. If tho mtoratiOIl or JqJIir is DOl
ocoDomica1ly feasible or Ltmder'8 _mity woukl be _",IboiIIIurauco procooclIlhaIl be appJJecl firIt to the reducdaD ofauy
iDdebtedaea un=- 8 SecoDd Note and Second Security 1DIbmneat held by the SICIeIIIy GIl Ibe Proper1 IIUI then 10 the
reduction of !be iDdebtednca UDder' tho Note IJId thta' 8ecartry liastrumeDL Any 6UIII iDIanmce pzooeeda 0VDt an amount
required to pay all outlbmdina indebtedness under the Nom and Ibi. Security lDIb"umeDt sbafl be paid to the eudcy legally
eatitlcd tbcreto.
In tho eveat offorcclosum oftbia Security lDstrumeot or other trablftz oftitlo 10 Ihe Property that axtiqui&bcs tho iDdebtedDcu,
all right. tide aDd iDtenit oCBorrower in aDd to iDsuraDce po1IcJes ill force Ibatl Pili to dae purohuer.
4. Occupaaq, PrelerYadoa, Mablteaaace aDd Protectioa or the PnpatJ; Blrro"." LoaD Applieatloa; Leaseholds.
Borrower ..11 ocoupy, estabUsb, IDd UBI tho Property Boaw... R:Ildeace after the axecudcm or tbiI Seemity
Instrumeat adBonvwer (or at JeutoDe Darro.... ifiDltially moro tJJan one pcaaa lie 8omJwII1) IDd sbalI continuo to occupy
the Property u Sorruwor'I pdDcipal rostdenco for tho term otthe Security IDsInImeat. "PrinoipalhJlicleDoe
'l
IbalI havo th, nme
DleaalDg u ill dJo LoaD AaR-n0Dt.
Borrower ahaU not commit wutc or daJna&o or IUbstIntWIy chmIe tho Property or allow tho Property 10 deteriorate.
reasonable wear mel tar excepmd. Boirower IhaIl alia be ia dafa1t it Bormwer. duriDa the loaD procea. save
materiaUy talse or inaccmrate hdbrmation or ItBtcmeI11I to (or.failed to provido Leuder wirh IDy material inf'oanItion) in
connection with the Loan CJYideacad. by tho Note, iDctadiD& to. repreIODbIdODl concemin& occupancy
ofthe Property u prlDoipal roIideaoe. Ittbil SeourJt, 'Js oIllleue&old. Bonower IhaJl comply wJth tho proviliodl
oftho le8se. IfBozrower acquila reo titJc 10 tho Property, the buchold IUd me lido lbaIlaol bemerpdam- Leader agms to
morpr in wrltiJla.
5. CharI. to Borrower aad Protection of Leader'. IUgfaCi III d&e Pni-tJ. BomJwec shaD pq .n IOverDllleldal or
municipal cbarges. fin. and imporddoaa dtat are DOt fIduded ill PI.....2. Borrower IhaIl pay tbeIe obHptfoaI 011 time
directly to the eatil;y wl1Jcb is owed 1bc pa)'IDGDL Iflalhn to PIo)' woulclldverJolT a&ot Leaden io the PJoperty, apoa
Leader's nquost Borrower 8haI1 promplly tbmfsh 10 LeDder recoipII erideaciDa theIe pqmeaIL Bonower aba1l PfOIDPIJy
dfscbarp any Uca which has pdority crrcr this Secarity InstnImeot in tbe maaacr pIO'Iidecl hi 12(0).
If Borrower failI to make tbese payma1I8 or tile p!Operr, abaJpI requited by paragnpb 2. or &it. to pafonn 80)' oIber
COWD8Iltl lind apeemcnfB cemlaloed ill thiI 8eourity 1DsCnsmont..or there iI Jep1 that may 8ipifioant!y affect
LcDdCl" rigbas ill Ihe Property (such proceed11111D btDbupccy, for condmmadaD or to eafolw 1awI or repIadous). tbeD
Lender may do aud pay wbatea' fa neceaary CO protect the VI1ue of1be Property II1d LeDden rights in Ibo PIoporty. including
payment otaxes, hazard iusurIDce and odlor items lDendcmed III Parappb 2.

Pap/) ?7J.)"

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Page 2 of 13
ToprotectLeoder'ssecurityIIItilePro,erty,lLa*IbaIlI4vaDceaddJuptoBmroweralllII10UDfIduotoCbSocmIryfor
theMortgageIuurlllCOPR:miam('-.unu dotIDedfa 1110 LoaAsreemeat well..all 8IIDII due101he loaa aervf_for
scrrioinlacd?itfca("ServicingPeo,IIQsfiQedIndietauAarecmc& AnyamoutdlcII__byLcDdarwuIortbllPIrapph
areobliaa1OJYloclshaDbecome- adJftloDaldebrofBonoweru plOVidodforilltboLoanApeeaatadIbaDbeRCUNdby
thisSeewitylJlstrument. .
6. wpeclioL LeaderoritI apatIt'll)'eateron. iaapectormakeIpJnisabofthoPropertyin reaonablcmaanerandIt
n:asoaabletimesprovidedthatLeadersbaI1pyotboBoaowernodcepriortoanyiupectJonorappra1laltpeei(yJnapwpoee
forthelDspecdODorappzaiIaIwhieh1JlUItbeIWlaIedtoLeoder'IiDlInItintheProperty. IfthePmpsty18V8CIOtorabaDdol1ed
ortM 10ID;,indetaukiLoadermaycake aetioI1topJQlectandpreserve_ V8C8fttorabaDdoDedPropertywid10ut
DOticctothoBonvwor
. 7. CoJldemaatJolIe Tho proceeds cfIDY ftlIrd orclaim fordamages. direct (X _ fa coaaection with any
coodemDatiOll,w:othertakiDaor8Iiy.part.ofthe or:fOr00DVe)'ID0einp1aQeofcmdflDlMltianIba1lbepaidcOLeGdcr.
TheproaoedssballbeeppIiocI fInJtto60RducdoaofanyiDdobIecfDeulIDdcr SecaadNoteadSecoadSecurity1nIInmJeat
holdby1hoSeerotaryOnthoProperty,andebentothereductionofthoiDdebtedDessundartheNoteand1bisScGurltyIiCl1Ullent.
AnyaxceaproceedsoveraD amcnmtteqUin:cl1OpayIIIoutIIIDdiDslDde1BdDcsl1lDdartheNote8DdthisSecurity1DstnImeat
shaltbepaidtotheeotlt11epllyeaddcddtcnto.
8. Feet. Lendermaycolleecfeaui;'dlqesauthorizedbyd1eSocIetIry.
9. GlOWldiforAcce1eradoDofDdl.f,.
(a) DueandPayable. Lendermay immediatePlJDlODtiatbllofalllUDJllCCUtedbytbiaSecuritylDstrwDoat if
(f) ABorrowerdiceaDd i8llOlthepriDcipalrcddeDcoofatleast 8Ul"VlvinJBormror;or
(Ii) AU of a miimtho PIOpllty (orhia or her beIlctiGial iD._In truatoWDiDI allorpartof11\0
Property)i.IOId.or 1rIUferrcd,IDDO odIctBo.nower ...(a)titlotothePropertyiD feesimple,(b)a
leaseholdUDderaleuefor DOtloathin99yearBwbIcb11ftIKIWBbJoOIlbilehaviaIaremaimDgpariodof Dot
_ thaa 50yeaJI tho dateoftbo JOOdl bb1hdq oftho yoUDgeItBOnower, or(c) a lifeesJato in the
J'n)pGrty(orabeneficia! ina1IUItwithsuch8DiD.k:IeItillthoProperty).
(b) Due.adP.,.hle,nCltSecretat 1ApprovaL Leadermayn=quimimmodiatcpaymeminftdIofaJ'sumsseouredbythiI
Secarii1lutrum=t.upon byan.mborizeclRp"CHDIatmoltheSeQntary,if
(i) noProperty toh thepriDGjpalraideDoeof.BcmowerfarteUOa:Jo1hortbaodeathadthoPropertyis
Dotdloprincipal atlaut0110otherBortOWeCior
(d) Foraperiodoflonscrtba'2 twelve(12) monthIBotmwa- &illro pbyIicaIJyoccupythoPropen)r
boca"ofpbyIicalor J1IDcII1Ilddie is. nottheprincipalIe8idoace oratleastODOotherBorrower;

(Hi) ADobligationof thO 1JJ)dertb.tsSecuritylDatnImeDtianot perfonncd.
.". (c) NodcetoLender. BoDUWer' notifyLeaderwbc:I18YcI'anyof thecwcms innbpliagrepha<I> and(b)of driI
Pl11Ipph9(aXii)or(b)0C0\Ir. ..
(d) NoticetoSeentaryand shallnotifyaboSocmaty8IlCl Borrower.wbcmcwerdieloanbocomesdue
", :. IIJdpayableUDderthiIParagraph.9(.lXil)'ad(b)i LeaderabaIlGOtJIave dusripttoCODlllUlGOO forec1olureuntil
baahadthirty(30)da)'IaftaoDOdGet,O:OiIber:
(i) CorrecttheDUltterwblQti!'tftltediDthoSeeudtyI..txumcutoomiq ..and 01'
(n) PaythebaJancoiamJl;"oti'
. )'.
(iii) StuthePropertyfortile oftho balaace or.''''ofdlo eppraiIedvalueaDdapplythonetproceed8oflhc ..
n.rMo",.
'. .
Pap3
{?1l;.11
i

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";'" ,
Book5057/Page1672
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Page3of13
--- ",.- /' , ...
..
p-
{
. '\
towardthobalance;or "
(Jv) PnwidothoLalda' withdeedlAJieuotfinc1oaure.
(e) Tra.ts. CoDve)uceof. Bo:uowenIntInat illIhe Ptopertr toIlralt wb1ab. __the n=quinlldltloftho8ocnta.r)',or
CODVO)'mCD of.ImIt'I Propertyto Boaowec.aha1IDOt be OGaW)'llJCa fbi'pIIlp08aotthil
Paragraph. AtJUItshaDnot be Inoccupantorbecomideled havibapriDcjplllelidemcoforpurp..ofthis
Parapph9.
(I) MortppNotluured. Bomnwr.... thatahouldthiISecurityIDstnDDeDtIDdthoNotenotbeeligibleforioIurance
underdieNatiOlJlll HoasiDeAct ci8bl(8)II1Cm1U fromtbe Anof;I.eDdermay,atits0J'ti0D.requireimmediate
P&ymeatillfURofaIllUIDIsecuredbydds IDIUumeDt. AwriItallla1emeDtoflayauthorized.,eDtoftboSccretasy
datedsubsequenttoelaht(8)IDODIbaDomthodatehcnot;decliDinatoIasuteddt IDstrumeat1DC11beNo..IbaDbe
deom8dcoacluslvoproofof IUChilleUlibJli1y. NotwithlllDdiJ,1be "'0_thisopdooma)'DOtbe __ledbyLeodar
wheatheunanilabiJityofiumaaccissolelydueto1&dot1failuretoNIIdt.modppIDnraaccpremiumtod10SeoraIJy.
10. No DefIdeDqJ1I4pDeDta. Boaowersba11 haveDO penou.lliabfUeJforpaymentofthe debtIeCIRdbyIbis Socarity
lnstrumenL LeitdormayenforcothodebtcmIJthroughsaleoffhoPlopedf. LeaderIbaIInotbepermittedtoobIIiDdoficioacy
jucfgmout apiastBOITOWar ifth.SecurityInscrumentJaforec1olocL If thisSecuritylustrumellt ii_peeltotheSecretaryupoa
deDllDdbytho8ocretary, .ballDOtbeliableCorID)'diifereDcobetweoDrhomortppindraDcebeJlofitlpaid10Lender
aDdthe0UIItUdiD.iDdebCedDtlJ,iDcJudfagaconJediDtrdIt,owed b,BOlI'OWIrat thotimeortboanignmoDL
11.RdDItateJDent. BorrowerhasrighttobereiDltateditLeaderhu fmm.edlatepaymeDtiafalL 1btIrigbtappIiel
eveaafterforec1olure proceediDpare institutDd. Toreinllatothis SecarityIDstrumeat, BoJrOWCll' Iha11 correctthecaaditioa
whichrelultcdinthe for paymoatinftlIL Foredonro00III1IIldnaODllJ1l1IIdcustomuylltorneya'f.
and properlyIlIOOiatodwItb tixeoIoIuRIproccedJqshaDbeaddedtothepriDcipalbalance. UpoareiDstaten.aby
Borrower. thia Secmity and tho obBpdaas1hat itlOCUM aba1l remain mtdfeot u IIJ:.eDdmr hidnot l*JUired
fmmedfaCe paymentintblL IIDOtreq&dml topeanitrci11ltlteD1ellt1f(J)Lead.- halaccepted relDstafemeat
aftertheCOlIUnODcomcat offoreo1Oluntpmceedinpwithintwo(2)yeaalmrDediatelyprecediDctheCOlllZllOllCelDeDtofaa.urea!.
foreoloaurepmceediDg.(8)reb_leNlI1twmp.nx:Wo 011 diffeEatpvuadsIn thef1dIire, or(it)reiulatemeDtwW
advc:rdyaffectthe ofthoSccuDt,!DItnuDcDL
11.PIratLleaSia_
(a) ModiOcatloa. BouowcraJRM'8 to ex1end IbfISecurityIaatrumcntIII accontaace with this Parap1Iph 12(8). ItLeGdar
determinnthatthoori&iDalBenIIItUIoftboSecudtyIastrumaIt ..jeoplfdizod1IIlder11110law(hIcIudiDabatDOt limitedto
lituadomwherethoamowatsecuredbyIbJSeomityIDItnImeotequalsoraceoctIthomaximumprIDaipallDJOUDtstaledor
Ihe lDIXimumperiodunderwbIchloanadvaDces1dIintheI&IDOlienpriorityiuitlaDyanmtedto10aaadvance.halexpired)
aDdstatelawpermitsIbeori,maJ1icD.bltIIStobemaiDtaiDeid,fbrfUIuroJoanedvaucestbraushthoexcoutionIDd
ofODeormoredocumeats,tbeur.4erIhalIobcam'tit1e atBonowet.spease. IftheUGo ovidalcoiDdicatellhat
theProperty isnot byayUn<=:eptthis SeOODd SecurityIDItrumeatdcIcribedin
Paragraph13(&)IDClIDY lieuthatabeLeudercle1emUaeIwJJ11180 beIUbordh1afotoanyfidure100001dvanoet),
LcDdetabaIlleqUeltIf8on'owerto tsXeCIde IDCh documaIfL It.faJaw doesdOt pemdttheoriafaalUea atatut be
extended to futuro I0Il1 Idvancea, BOD01NI' willbe deemed to have&Bed to have pedbnned eo obliptioD unciai' ddt
SccuityIDatrumenL
(b)TaxDefe.rraIPrupuILBoavwerIballDotpadicfpateInareal ...fIX defeIralJIIOII8D1tifaaYlionscreareclbythe laX
defeDal ..aot8UbordiDaIetothisSecurityIDstNmeoL
(c)PrIorLIens. BoavwarIhaUpromptlydiacbarpcylien.hiGhbaapriorirJoverdIfaSeourityID8cramcal\1111_Bonuwa:
<a) .greesinwritingtothepaymentoCtileobJipdoDseotndbydielieDinIDIIlDCI'aceepbIble10LeadcI;(b)ooateICB in
loudfaithdieleuby,ordefeDdaapiDltcutoreaneatat theUeaIn,IeplproceedinpwhichiatheLoudenopinioDoperate
10pm-entdieeafonx:maoftbelieDorfbrfe.ituIwoflaYpartoftbePIopsty;or(0)1eCU1e11tomCbeholderofCbelieDau
_peemmtI8tiafaotory to LeDd lUbordlDaliDa the lioD to all ImDUIltI eecmed bytbia s=JtylDIIrumeDt. IflADder
ttL" AIoI1MW
'7!7JJ .jt,

Book5057/Page1673
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Page4 of13
I
.
dclclm_thatanypartofCI10 PropertyillUbJectco JieawblabmayIIIinpriorilyovertIaiISecurityIDsIrumeat"Lender
maygiveBonoweru0tic8ldcDlifYiultheIlea. BonvwerIballIIdaf)tIheIleaor1IItoODeorIDOI'CoraboactionI .. ftmh
abovewithinleD(10)dayIoftbegivlDaofllOdce.
13.Relatlo..tptoleceadSecarfCylD.tnuDaL .
Ca) SecoDd Seca.rlt1lD1tnnaent..InGRiertosecurepaymeatl wbidJ IbeSecrefaryDJIY make 10 orOIlbehalfofBorrower
pumllDtIa8ec)fJoa 25S(i)(I)(A) of theNatiaoalHouaUIg ActIDd the LollI uu[qsothenriscpzoYidcdbytho
SeczelaryttheScm;tary1111RepairedBono... roaecuteSecoadNoteaDds.xmdSecurityIDatnuueatonthePmperty.
(b) ReladoaIhlpofFIntand SecondSecudtrIDItrummfl. PaymemJmadebyIbeSacntaryIhaIJDOt beincludedfa the
debrmdertheNoteUIlIea:
(1) ThisSecuritylDsIrumentu.....edtotbaSecnwy;or
("n) TheSocnDryIcceptlnmbwsemaltb7thoLaderfarallpayment&madebythoSecrotaxy.
If thecIroulbltanCeS described in (I)or(Ii)occur.thatallpaymllJlI by thoSecn:ray.incIudiDa in..CD the JJ8YIDOI1SI but
ox.clodinClatechargespaid.bytheSecn1ary,1ha11beiDcIudeclluthedebtUDdertbeNOID.
(e) EtIectonBorrower. WherethereisDO aasf8ameDtorreimbuJaemcnt.. ducribedin(bXJ)or(ii)IDdtheSocretarymakes
paymeoutoBonvwu,thenBorrower.ballDOt:
(i) BerequlredtopayamountsowedundertheNote.orpayarryRI1tIIDdmveuuesof thePropertyl1IIderParaplpb
19 to Leaderor receiver ofthePmperty.UD1il the. SecnaryhanquJredpaymeDtin ftdtofall oucstIDdIn,
princJpallDdaCCIUOCIiDtereItODderthoSecondNote;or
(ii) BoobligatedtopaylateralorabuedappnKliItionUDderthoNatoItmy whether beforeorafterdie
pa,ymeombyliteSecretarY,SIldwhedJerorDOtacrmediDtereIthubeCIlJDaIwJed illthepriDcipIlbaJaDceunder
dIoNoto.
(d) NoDuty.rtheSeuet8zy. 11loSecr:ewybaeDOdutytoLCDdei'toeDfiJrcoooveDllltlofthoSecoodSocu.rilyIDatnJmeat or
CO takeactionsto thovalueot theProperty,tMIldaougbLemlerlillybeuaabletoco1leotIIDOUDtIowec1UDdertho
NotebecauaooCtatrietioasinthisPanlpaph13"
14.Forbeara.c.b7LoaderNotaWaiver. AnyforbeauucebyLeaderiDourciainaallyrjJbtorremedysha1.lnotbewai_
ofor precluderhoaercise ofanyriJbtormnedy.
15. SaceeaonaadADIpIBouDd;JolataadSeYenIUablUty. Theco\lCD&D1ll1Jd oCthJ,SecurityIastnnnetJI
shan biodladbaaefitthelUoceaotIandIlSigas Borrcnw:rmayDOt INiIDany. riabll oroblipdoD8 UDder tbfI
SecurityJaItrUmeDtorUDdertheNote,exceptto traitdJat daBreqaiRmeDCaof.,5ecnIary. CCJWIJ8DCI-md
agreemeatl shall beJoint ancIaoveraL . ' . . .
Nodee.. AnyROdeotoBonowerprovidedforfathis8ecudfy1Dlbumellt manbegfveDbydeliveriDaitorbymailln&itby
flrItclulmailLIDlessappUcabJelawrequfreI ..eofuotharmethod. TboDOdGeabaUbodiNctecltothePropertyAddreaor&II)'
orharaddressallBomrweajointlydesipa&ew ArJfnoticetoLaukrIbaJlbeliveDb)'tintc1asmilltoLcadanaddRaIlIItId
heroinoranyaddNssLenderdesipate8byDOtice10Borrower. AIJynoticeprcMdedforilltbiISeoudtylnItnm1antIhaUbe
cleam.ed10hawbeeaIlv. 10 LenderwheagIv_. pmidedIIIthiIPampaph16
.'.
17.GoyendniLaW;SnerablUty. ThliSecurityItIIIrumeDtlbaJLbegovemedbyFodc:m1Jawadthelawofthojur1adictionLD
which tbePropertyII1ooaIed. InthemmttbatlIlYproviIioaorclaUleof tbiasecurityIuib_01' thoNoteOODfIiCIlwith
applicablelaw,suchcoDfUctshaIlllDtaffectotherprovidousof thbSc=drInstrumcutortheNote,whicbCIID begivClleffocC
without the conflictins provision. To this end1be pl'DYillOJlS ofthis Security Iastrument and cbo Note are decJared to be
severable.
18.Borrower'sCOPf. BOIlOwershallbegivenanaCODfmmedcopyofthoNoloaDdthiISecuritylDsIrumem.
F r' JIortpp
hieS 11
f!7IJ;/VI

Book5057/Page1674
CFN#2008065289
Page5of13
i
NON-UNIFORMCOVENANtS. Baaowar aaclLezIderfta1IIarceweaaaraad...u follOW&:
1'_ AsslpnuentofRents. BOI'I01nruoconditioDaUy-PIadtraaIfinmIAIlderalIlbenJJf81Dd of
Borrower audlorizelLederorLendez'aapD1ltocollectdie_1DdnMmII.eIadbanbyctirectIeachtIDantofdiePropertyto
paythermtstoLender or Leader'l8pIlu. However, prior to Lendef. NotlcotoBozrcntwofBonower'lbreachofanyCO\Wla&
r
orIgrcemenIillabe IDatnIsbaDt,BonowershallcolJect&lidrecetveallreaCllDdImIJUeIofabePropertyIStrusteefor
the benefitofLeadaradBonvww. T.hiIassisarn-t ofrectaCOIIIdtDlellD ahIoJutI-sameatandDOt 1m aaJaam-ttfer
.dditioaal.eourityonly.
IfLeadcrgivesnoticeofbmaebCD Borrower:(a)ellnI1fIJ'ICCiwdbyBanower IbaJIbe byBOIIOW'er IItnltleOforbllDGfit
ofLeDderonly,tobeappUodtothesumssecuredbythisSecurityJDsIrumeDi;(b)LenderIhaIl be entitled10coDectaodreceive
aU oftbcrentsotthe and(e)elChtaalatofthc.PJ:opedysbaI1pa)'IIIrataduoaDduopiidtoLeudarorLender'. __
OD Lcmdetswrittendaumd"tothotommt.
" BorrowerbasDotGeCUtodanyprior olthenmtIandhuDOtadwillllOtperfoanlIlYactthatwouldprcrIGtLender
ueccisingits"ripts au.PanJ}Tapb19. .
LcIldetshaU notben:quiredto eDterUptll,takecoDCrol oformsintainthePropertybeforeoraftao plqDOtico of braohto
Bonowor. However, Lender or ajudidtJIyappointed maydo10 ataD)'limothere.i8 Auyapplicationofnmts
rhalllLOteuRorwaiveanydefaultori'validateanyo1bcrricbtorremedyofLeodar. ThisaasiaJnnentofrenlloCtbePropaty
lbaJlCorminalowhenChodebttecarodbytbilSecuritylJIrIrumemt iI paidinfblL
20. ForedonreProcedure. IfLeaderrequlraimmediatepaymeattilruuaderP.......pb LeDderma,f.recIoHdd.
SecurityIlIItIUIeatbyJ_dldalprocee4lag. Lender.anbeeadtledtocalled.UapeaeIJlII:1Irnd18 panuIDgOle
remedies provided to tJd. ......-ph20. IDcludlJll, but DOt lladted to. .....oaalJle attar..' r.and _fI01 tille
evldeaee.
21. LIeaPrIorIty. ThefUllamOUlltIeClU'edbytbiISecurityIDIttUmeDtsIJallhawlhoI8DiopriorityoverlIlYotherUea8011the
PrOperty81if thetunamount hadbeen 011 thedatetheiaidaldilbunomeDtwamade,reprdIessoftheaetaaldateof
l1J.ydisbummcat. ThoamountIOCURIdbythiISoaurity1DstruaImt IhaDiacludeaUditectre)'lDellDbyLeadertoBoaowerand
aUotherloaDacWancospermittedbythis.securityrutnuneattormypmposo. 11aislieDpriori&)',haUappJyDotwitbarandin;any
Stateconstitution.1awor regulation. thatthislieDpriorJlyIba1IJlOC affectIbepriorityofany1ioaItorapaldStateorlocal
URspcci.fas&C8IDlOllao(bxu.
21. AdjustableRateIf.tun. UnderteoNote, thoiDitialltaCed laIereIt!IIDof nnead&iIIOD pc:rcra(3.6QJ%)wbidl
accrueson thounpaidpriaclpatbaIaDco("IDJtialIDtcroIt Rate-)illUbjocttocUDac.u cfeIeribedbelow. Whoathe mto
chanps.dienewadjustediDtoteItI8tewIDbeIpplicdtothe pdaoipalbalaDce. EachadjuatmeattoIbaiDlerelt
ratewillbebaaeduponthoweekly yIold011 UnUod,S_'heamySeQatdelIdjuItoeIto CODltlDtmaturityoreme"JAf
margin.TheInde.x1I InthePocIcalac.ei:veBuU.uclmadeavailablobytheUnitedS1atelTreuwy
OcpartmentidSCltiJticalRcIouo If 1be IDdfa iIDO lonaa" IVIilabJe. Loaderwinbtl mquindtouse 8DY iDdex
prescribed by tho Department of"QuSiiJa aDd Urban DeveJoplDDlK. Tho DGW .Iodf will bYe hfIIoricaI movement
IUbsbmtiaDy aim1Jar to tl1e oriliDal iDdaX, IIId tho aaw index aacl mqiDwillrtIIU1t in an aDJIUIl porceDtap rate that iI
subataDtiaJly.imilartotberateineftict thetimeIbcorigiDaliDdubceomuuaavl.ilab1e.
Leaderwillpri1matbocalcuIatIoDsdMcribedbelowtodeterminetileDewadjDstedintaratmte. TheiDlcIestratemaychaap
01\ SeptemberI.2001.IJIdonthe8Dtdsyof_ aDdOD thatdayafeachIUCCIeCliaIyear,or --Ltbam.tdayofeacb
succeediDgmonth(CbaDpDate)umntinSOUlisrepaidIDfulL
Tho'ValueortheIndexwillbe usiu&tbomostNCeIItIndafigureavailablothirty(30)cIa)'lbeforothoCbmgeDafo
(-CurremIndax'? BeftxeeachQaapDale,abeDOW.IDtenItratewiltbecaJouJItedbyIIddiDIaaaqfDtotbcCumotIndex.
The IUIIl ofthe marsiD plus theCuneull.udft will be0Il1DcI the ttQdcuIated lDiereIt Rate" .tor .chQaDpDate. 1110
Calculated InIDmt Rate win be CODJPI11'd to tho JntemIt acemeffect ImmediaIDly priorto tho current ChaDpI)ate(tho
ilL r I;/ottpp
PIp6 )f
fJ,/lJ' '

:.' ...
Book5057/Page1675
CFN#2008065289
Page6of13
_ .. .a,_ ..' ..-".' _.... .. -t,.--:......:.:.._..__. .. __ J ....-.::: .... .&:. ._
. I
"BdstinlInterestRate).
AnnuaIIJAAQultlftlVariableRateIleafan.. TheIstaestrate wlJl never lnClalleordocIeueby more
thaD twoporcentappo1latl(2.0-)Oft any.i.CbanpDate. 1bcinlel'eltnIewill Q8'Verbe moradaan
five pe=uIappolftll (5.05)higherorlowerthan the initial kuereaL fileItaIed io I'ara)rIpb2 ofthll
Nota.
MGIlIhIJ AcQDsthaI vlli8ble Rate ,eatare 1lIe Calculated IIIImIt RaIe wm never IboYe

'IbeCaJculatedJutcu:sr:Rate willbeIdjuttalit tocomplywith the1'IlIeHmiCadon(s) describedaboveandwiU be in
effectuno1 tbcaut01anpDe. Atany cbaPpdare,ifdieCalculared1ntIeIeIt Rateequals dieBxlstinlInIen:It..-.the
latcn:stratewDIDOtehanp.
n lleleue. Upoa paymealofall IODIIICCUI'Cd byIhiISecorie1InstruRJ.eQl. LeodcrsbaII teJeasc this Secudt)' In.tInunent
wllhoDtdJarptoBorrowa. BonowerIbalIpayanytaCGIdItionCOD. :
24, AUOI'DeJI'Pees. Asused in this Secmit;y JdMnlIllenttDd thaNcce. -1ISOrneJI- fees- 11IIU fDcIude any atIDNey&' fees
awlldcdbyanappdatocourt. .
25. IUders tothisSecuritr1nstraDdDt. ]fOleorI'DCnrIdea1ft'executed byBorrowerand I'ecorded topCherwkb Chis
SecuritylDstrumeat.tbecovenaatsIIId 01eachIIlC&defershaJJ beIacorporacedintomelshallameadand1Upp1emall
!hecove.aancs andagreementsofddsSecurity IrJstnuuutIIIIdieridel(s)werepillofibisSecurily1nscNmenL [Chedt.u
ridenthllIraapplic::able].
==1........ __[_I __I !
ind1iISecurity andIn

!3AI?C=::
J
Book5057/Page1676
CFN#2008065289
Page7of13

,
I
I
-adIIInaJIlIeIIItilia).
A..u, 'DIe ..... will DIWI kM:Nae ordecNalby ...
..twa .. ,..cz.ow,)011., a-aeDllD, wID...,.. __6Ia
&e .....,.. cua> IIfPIr or -- dlllaIIiIJ ill .......... 2 of ..
NoIe.
u.tIII;r VadIhIt ... r......DeCltuJeted III1IIIat. .. wJII D&Mr \
JJatIJL
1be(;aJauIaIed r... ... wm. to ccapJ)wtdI die Ie dearibedIbow lOCI wIDbe"
fIftia aidtllllllAta-p-. M., 111111 OM J-."die
.....wIII_.... .
2S. .....lJpa..,... tid.......by "*BectaIIr ....,!.tIJdfJrIbtJJ ........ s.oa.tItJaIInIdaIat
wItbout clwp roBoaowIr. BOI'IOWfI'IbaD,.,.,ftICG11adOIl calL
ac. Mb."t aod...Nore. feel Aa'"ia...
....." caart
IS, rIdIn ....... ." JIGaowerl1li ftICOIdId IbiI all....., 1uIb...... It em or
... __IId_fl rfderlbl1lbe_pwllldkato_11IID
Ibo __ad._ SecurttJ JnanrmaI& If..riJeI(a) ...pill daItaee.JtyJaioQII&JL [a.etd
ddIndMt _1pf1IOU1e).
BY SIQlGNOBILOW...... 11 ...........CIDUaIa......, ..ddlSKurItr .......ill
.,ttdII(a)..... walt.
wtIDeau:
...
BOok5057/Page1677
{."
CFN#200B065289
STATEOFJ1LORIDA
COVNn'01' "11,(/,11
The fbrecoing tnsCnlment WlI8 ao1cnow1acI.Ied befinliethis clay of
i5"'uAf -'fIN" . by M. Gmaplo ad PerIcIope M. G'IIklIpIe, .........-MIl.811....,
Tnutee, NeDJ.GIIIetpIe, Tn1Ita\whoispascmaIlyImowuto1IIejwhohaspnxhIced

';' c$). NOCBryPubfIC
Nama: -RICHARDT.
, .i
._ .1
.,'0..
FL 1"Alortpaf
Pail'
Book5057/Page1678 CFN#2008065289 Page9of13
fje1J I7C}

The foregoing ins1rument was acknowledged before me this S- day of f)
t2,t/l2! . by,: M: GllSl1R .Iid Pwel.p 8BhsjJII!; GUlesPi;)
.:Drz.I.I, Ti w.... who is pcnonaUy mown 10 me; who hIlS produgcd
'd)rt' V
ec
Lt'N.n 5
.'1II1
FL ,.II NtJrlpp
PapS
Book5057/Page1679 CFN#2008065289 Page 10 of 13
i -- _..-.-_.._--;...._.....,-, _ _.. _ .
....- .#.. .. ..... _._ ......--_..... __.----...-._...... _-... _ - .. -- _.._- -------- ----_._---
e. ' PLANNEDUNITDEVELOPMENTRIDER
FHACueNumber: ...2" !" '
LoanNbDIber:39100
THISPLANNEDUNITDBVBLOPMENTRIDERismadO 011 1aDo0',2008, mdi8 b:orpOl8tedfafD andIbaU be
deemed 10 amead IUdIIlpP1eIIIeDt dieMtpp,Deedof TJUIt orSeeartIyDeed(tfJa "Sec:mty of tho
amc- siYeaby thelIadeaiaDrdrBonower")to IOCUrO BOilowar'lNOlitoLJberVRaftneMortpge.lac.,
CalfondlCorporaClon, tho ..dUe IUdCOftriaI1hePiq)ertJdeIarIbediDtheSecarkyJascrument
aDdlocatedat:
8092SWIl!tk Loep. Ocala,PI. 34a1
ThePropertyisaputof.p.1umcdunit devc10pmeDt(POO)la10waas:
OAJCRUN
PCDCOVENANTS. ID.cIcDdolllotheeceVeIlIabad......11 .IdefatileSecurityIutnuaeat,BolTClwer
aDdLeaderfaRbereoYeIWdaDcIaane .. ron...:
A. SoIonla thoOWllCl"S'Association(orequiva!catCIDtityholdiAltidetoCODUDOII areaaIDdfaoilid-.actiDcu
truatee for thehomeowaers. mamlBiDl.with a,...nyaccepted a at "hlatat-
policyiasarinatbepropertyIoeatedInthePUD.iDcIudinlallimpmemerdaDOWailtfaahrnattererected
aDthemortsaeedpremiles.andIlJCbpaIicyfa toLandertadprovidelimunmcecaverapinOle
IltlOUDII,fatdie aaclapInstthe bmnIaLeudorIDdtheScamuyzequIre, includinlfile ladolber
hazards fIJcIudecl widda die _ ncxtalded covarqe. IDd lou by6lod. to dIG extent required by the
Semtary.thea:(1) Laaderwa1wItheprcwiaioaIIIPmpapb2oftllilSeamityIasIrumtmtforthep&yIDII1tof
IbepremiummrhuaId_wacooadiePftJpertr, act(ii)Barrawer'. UDderParapIph3orthis
S:UritJliJstnDuc:atto maiDtdDhazardiDsunInce GIl Ihe II doemed lltilfiedtothoaxtImttbat Ihe
rcqufrcdcoven.Iiprovidedbydie'Otnttd Alrocfadoapolicy. Borrowersba1lliveLeaderJII'Qq)taotfca
ofanyIapteInrequiradbuaIrdiaIuJacecoWrIpIIIdofI1lYloisoccmrina&omJIa:aJd. 111 theefODtofa
distribudoaotbalrclllllUnDCeproceedIillleuofrestoratiouorzepairfbDowfaaloatothePJ:oparwor- to
comJJ1OQ areIIaDd6dUtiesortboPOD.mypmcecdsP91b1cCo Boaower11'0herebyMIipodad..Ubo
paid10 Lader1brapplication to dlelUIDI.ecuredbytbfI 8ecIdY\1zIIananmt,wicb anyaeesapaid10 the
cati1ylepUyentitledthereto.
B. Barrowc:rpromiICItopayaU chaIDd.MlR'ClIltiimpoIedpunuaattothe lepliDstrumentIczeatiqIIIld
IOvemlDathoPOD.
c. ffBoaowardacsDOtpayPUDdDeIand..-mentawhea -. Ihen Leadermaypaythem. AllyImOtmIl
elIlburiedbyLea&rUddert1PIJ'II8F8PhCIf1aDbecomeadditfoaddebtofBorrowerIOCUI'CdbyCbDSecurity-
IDatrumont. UnJesaBoaowerIDdUadcr .gee10 __tea1II ofplYlliaat. ... IbaU bearIal=-t
fi'omthodateor ar' theNotemeIDd1balJbepayable,withiacerest.1IpCJDDotico80mLenderto
BotrowerreqaestiasJIIYDleDl . ,'.. J.'
BYSIGNINGBPLOW.BonvworaccepllandBIJ"*tothetcr1DIandprovisfonIcoDtafDedinthisPUDRiclor.
J
tat.Qllapje;"Pi ...
J4lIpOD
.....1011
Book5057/Page1680
CFN#2008065289
Page11 of13
.
.,".
,.
UNITDEVELOPmNTRIDER
FHACueNumber: LoanNumber:39100
nusPLANNEDUNITDEVELOPMENTRIDER is made onlime OS. 2008, and isincorporated into andshall be
deemed to amend and IIlpplCmcDtthe Mor1pge)'DeedofTNStorSecurityDeed (Iho Security1Dstrumeat")ofthe
same date- given bytheUDdenigntd("BomJwer")to secureBorrowenNote: to UbertyRner.Morf&ale,Inc.,
C.llfomJaCorporatlollt("Leader')of theImnc andcovcrinsthePropertycbcnDedintheSecuritylnatrumeut
andlocaledat
8092SW115thLoop,Ocala,IlL34481
ThePropertyisapartofaphmnedunitdevelopmeat(PUD)kDowuas:
OAKR.UN
PUDCOVENANTS. IDaddUfOIitq.tbeeCOVID'"adagreeDlellramadetatheSeearltylaJtnmleat,Borrower
aDdLeadertu1... COY'DDtaDdsp-ee..(Glows:
A. SolonlastheOwnrd (orequiva1entcatityholdiDgtitletoCOIllD1011areasandfacilities.actingas
trUStee fortho bomeowuers. mai11taina, with apoeraUyaccepted Insurance carrier. aIImastcr" orttblanket-
policyinIurinsthepropertJlocatedinthePUD.ioctudinlaD improvamentlnowexi8tincorbcreaftererected
on the mortppdpreallse:":,melsucb policyissatisfactory10LendermclprovideliuIunncecoverqe in abe
amounts" for the periods. aaainstthehlDRlsLeaderaDd 1bo Secretaryrequire. iDciudiD&8raand oIbcr
blZU'ds included withiu n.e teml "cmadedcovemge." and loa by flood, to the extant required the
Secretary,tbe.a:(i)LeDder"'livestheprovisioninParagraph2of thisSecurityIustrumaatforthepaymentof
the premiumfor hazardin.!qnmce au theProperty, IDd (ii)Borrowcr's obliptioaunderParagraph 3otthfl
SecurityImtrumcmt to majntain hazard iuIunIDce 011 thoProperty is deemed satisfied to tho exteDt Ibltthe
requiredcoveraaeIs bytheOwners'AsaociatioDpolicy. BorrowerahaUaMLeaderpromptDO&e
ofanylapseiarequired'bawdinmmcocoverageandoranyloaoccuninlfromahazard. Intheeventofa
distributioaofbazard"-JDCCproceeds inUcuofrestorationortqJIirfbllowiDga1011tothoPropertyorto
commonareaaDdfacilities ofthePUC,Illyproceedspayable10BorrowerINherebyulipedaudthallbe
paid to LenderforappIicatioa to theI'DmS sccurcdbythis SecurityIastrament,with any oxcesIpaid to tbo
cndtylegallyeatftfed
B. Bonowerpromises topayall dues IDdassessments imposedpursumt&0 the legalinltrumcntl creatinland
govemiDgthePUD.
c. IfBorrowerdocsnotpay PUnduesandusessmc;otl due. then Lender.DUIyplythem. Anyamounb
disbunedbyLenderunder parapaphc; edditianaldebtof'BorrowerICcurodbytheSecurity-
Instrument.Ualeo melLeaderiiVeoto terms ofpa)'IDCDt,theseamo1lntS abalJ beariatcrcsI
fi'omtbedateof attheNoterataandshallbepayable,with 'UpOIlnoticeDomLclderto
Borrowerrequeadns

BYSIQNJ;NQBELOW.BorroweraCceptsandaareestothetermsandprovisionscontaiDedintbiaPUDRider.
. . ....
.-.'
,T!&iJij
!Me"'.M.6i1kapi..=lie ...., ., Markiii.pJe,T ..
1'eAeiape"I,8IBapt_ Elillm,'R:88iJBI .
.....tofl
Book5057/Page1681
CFN#2008065289
Page12of13
--- --
...
, :
EXBIBITA
sxhibitA10Iho Mortpgemadeon May.:W.200"byPeDeIopeM. N.J.GIIIaplendMarkGUIeIpIe, .. Ce
T....of".. GJIIespIe 1PtuDIIJ. umac '1'nIIt Aer-t ........ MI'UI710.1W7("BanoWer") toUbertY aevenc
MoJ1pt, he. ("Lcnder"). ThePropertyIe1oc:*din tho countYofMtrlH.IIItaorn...delcribedII to1Jowl:
DescriptionofPloperty
LegalDctaipttoneuaehedhlntoII'BxhibttA'and bythisI'Ilfiln:rJcomBde aparthereo
LOT(S)1,BLOCKG,OAKRUNWOODSWBTBACT,ACCORDINGTOTHEPLAT
THEREOFAS RECORDEDIN PLAT BOOK2 ATPAGE(S) 106TBROUGB lU,
RECORDSOJ'MAlUONCOUNTY,FLORIDA..
. -- -0.
1lllirflillfiillllli"'
U4S842B&3-18K'13 .
ratTGA'E
...
w
1
aO,
Page 13 of 13
Book5057/Page1682 CFN#2008065289
I
r .. ".
...._.. _. --_ ,- __...... ...... _,--...
................--_........-.-
DA\1DR.ElLSPERMANN.a..ERI( OF COltITY
ReqUestedby &
DATE:0612512008 PM
WhenRecorded RstumTo:
U'SRecordings. Ino..
.FILE.:2008065290 ORBK05057PGS1683-1893
CountryDriveSte2
RECOR...GFEES......
St Paul MN55117 J


LibertY RIMaeMaRPle, 1I1c.
10951 Whlta Rock Road, Suite 200
Rancho Conlon, CA 95670
FHA Cue Nuaber: 091-44057411952-255
39100
Secretary of Housing and Development is exempt from paying
jntacgibJe taxes.
State ofPlorfda ADJUSTABLERATE
'
THIS MORTGAOB ('I . In. .' orDSecoodSocmityImIl1UDeUt" isJiveD OD lue 05, ZOO8. Tho mortpgor is
?E! Peaelape I\L Gillespie, ell I. GlDeiple and Mark GUlapIe, Co-Truteel ofTIle GIllespIe Fually LlvlnrTrait
AVeement dated February 10., 19"., whose addma is IG92 SW 1l5th Loop. Ocala, J'L 34481 ("Boaowet'). Ibis Socwity
Instrumen1I given to the Secretary of Hoating IDd tIrbE Developmlmt. and whole address is 451 Sevea1b Strcot, S.W.,
WashJngton. DC 20410 ("LeDdet'') or rSecretl1Y? Bos:rcnrerbII p,roodto Iq)ayIDLoader amouatIwlUchLendar isobUpted
to advaaeo, mcludingfuture advance$. UDderthe termI of I Home EquityCoawaiOllLolaAaremaeatdaIedCheIIDIC dale81
tbi8 Security!DstnlmcDl("LoaD Agrecmcat"). 1110 apemeDt to repayisevideDcedbyBorrower's Note d8IOd dID IIIIItdIJe u
this Security lDIfnuneot rSeeond No". This Security 1DItnIIDmtaec;urea to Loodm::(a) tho of the debt evideaced
by theSecondNote, with intereIl, at arateJUbjoct to adjUllDat, aDd aD renewals. extensionI admodf.fioafJoDs oftbo Note, up
to amaximum J'l'iDcipalaDlOUlllotOae UaDdred Nlnety-Dchc Tho.and .408111. Dellan (S1J8,ooo.10); (b) thepayment
of all other sums, withmterest. advanced under Paragraph 5 to protect tho security orChia Securitr Ins1rutnent or ofberwiaedue
1U1dcr the temlJ ofthia Security InItrumenl; and (c) the parfonDlDCl ofBortowar'l coveD8llfB aDd UDderthis Security
InstrurDc:nt ad the Note. The full debt. includiDc alllJDOUDta describediD (a). (b). and(c) above. irnot paid earlier. is due and
payabLo OD Ocmber 29, 208t. For this Bomnrer doeIbercbyII1OIf&88C, pnt and oonvey to Lender. the following
descrJ1)ed property locaaed in Marlaa Count)'J Florida:
The real property located at tho addresr ..,3 SW 115th Loop, Oeala. IL 3448J, illthe County of Marioa.state of FL.
described more fbUy onBxhibit A auaebd to tid.Mortpp. .
",. .'"
TOOBTHER wrm aU the impoVfJD1Cl'D JlO\9 or hcrodor erecrtod 01 die pmpOl'ty,1Ud aDt:asoIMI1tS, Ippurtm&nceI. and
fixturol now orhcreaftm' pIIltoCtheproperty. AU tepIacemeDII aDdaddItiouahalI alsobe oovaedbyfbi. SecwirylJutrumalt
AUot'the foregoing is rotemdtointhis. SecurityIaatnImeat II tbe IIP.toperty
I BORROWER COVENANTS that BonowcriIIawfWIy IOUodofcite ..., herebyconwyedaDd hu the riabt to gtanlllld
conveythe Property IDd thatthe Property is only eDCUrIlbeNdbY PIIItSecurityIDItrumeat givcabyBocrower aDd daIod 1he
same dace as this Security1aItnJmaJt f'First Security1DsIrumeDt'). Boaower'MllDlltt mel will defead generally the tide to tho
Property IpiDIt all claims and demands, iubject to any ofRtCOJd.
1HI8SBCURITY INSTRUMBNT combiDea UDifanD oovaDIDCI Cot DIdaaa1 Ute BDcl DOD-uniform covenanll witb UmiIOd
variatiODS byjuriadictiOll toOODItituteI uniform lecarity inltrummt coveriDgNa1property.
UNIFORMCOVENANTS. Bon'owaDdLaldcr oaveuaot and ape1I1bDowa:
Book5057/Page1683
CFN#2008065290
Page 1 of11
' '.,.1 . .... - _...:......,:.:-,., - .1.._ , _. _ _...... 4 _ ' _ .._
t; :
j..

1. orPrlDdpaJandIJiteri-st.' Bomnvaa8baI1paywhen duethepriDcipalo(andinknIItou.thedebtovfdalcodby
theSecondNato. '
2. Pa1meutorPropert3'Curve&. Bo1TowerIbaIIJHIY allJIIVP$JdJarpI of1Ixes,poundnuts..floodIJ1d bazaRl
iosunmco pnrmiumI, .special illatimely IbaI1pmvideerideaceafpaymeDI toLeader. uDIa8s
Lcadetpays chargesby fimdlblDOlltblypayDBltldue10the orbychllBlallUCbpaymmll
to aUne ofcnditu providedforin Loa LaIdIrmayrequimBOI'J'OWefto payapeoifiodpropercy cbqes
dil=dy10thepartyowedpayment LeaderplY'OCherpmpaty....IIpmvidodilldUIPIrIIpIph.
3. Ji1re. Flood and OtIaerB'uanJhnraace.Borrower'thall mm.all _ 011 tho Property, whether now ia
crxJstencc orsublcqueDtly... '119- lIlY caualtia,IDd_ fiR:. ThisIDnranceshillbe
maintainedintheamOUD1l.totho aIuttor 1hepedocIIreqafredbyLeader. BoDowersW1also.iDsureaDimprovementson
thePmperfl.whethernowinexiateace' orlubIeqaeDtlyerected, apJoItloabyf100dI to thec:xlaltzequiredbyLender. The
IDSUl'BIlCe' policies aadanyreoewaIa0aUbeboleS bylaKIerIDdsbaUiDoIude_ clauses me filvor0(aadin fonD
aeccptabJcto,Landor.
In rho"cot ofIon,'Bonower,ballai"eLeaderimmediate bymail LeDdarmqmakeproofof 1011 ifnolmadoptoJDpt1y
byBOlTOWet. BIdJiDsutancccompanycoocemcditheR:byIIJCIIodzcdadcIirtctodtomakepaymeatforIUOb loa8toLouder.
insteadof10BoaoweraudLenderjoirl1y. burIncoprooeedsIhaI1beappliedtoRItoIationorrepairofthedamagedProperty,
ifthD raIoratioa orIqJIiria eoooornicGlyfeasibJc aDd LcadctlIIGUrity is DOt 1eIIeDed. Iftho JeStOmtioD orrepair is Dot
economicaUyfouJbl.orLenden would theialuraDcopIOceedllhaUbeappliedfirsttothDreductionorlOY
indebledDcraundertheSecoudNotD IndIhiISecurityInstrument. AtfJCXCGII pocaedaOWl'aD amountrequiNdto
payallou-.a.dingiDdebtecb1euunderiIeSeoaadNolIlDdthllSecari1ylDIIrumeDtiliaDbepaid10 abeendtyloaa11yentitled '
thereto.
111 the offorecloSlnofthiasecUiitYIDBtrumaltOfothortraDIferof titletothePJoptrtythataxtioplshcatheiDdebtodneu.
allrlPt,titJaand ofBonoN CO iuumacepolk1. infoJOO811pilito
4. Occupancy, Prelen'adaa. adProteetioa 01tileProperty;BorroW.tlLobAppllcatlollj Lealebold..
Borrower.hUloccupy.. escabUIh, aDd t_thePropeItrIIBOITCMeIe prlaoipalraideDco aftertho axecutkm ofthis Security
InslnJmel1tandBorrower (or at lout,onoBOtrOWtIr.ifiDldaJlyIDOIethIDoaopenon1ft: aDdIhaUcontinue10occupy
thePropertyu Borrowa'IpribCipalleSid.DDcotorthotem1oftheSocurityIaatnuneDL IIPfiacipalraideDce"abaIIbmJthesame
meaningu lDtheLoaD ..
BonowershillDOl commitWISCeat dt.tJoy.damageorIUbataDdaIly cbIDgethePmpertyorallowcbePmperly10 c1eteriozW,
RISODable wearand teara:cepIed. B4ftUWWIha1I aIIobe." ifBotrower,during the laIDapplicadoaJ2IOC8,pvc
materiallyfalseor or8tUmIeDtI, topmvidotooderwitharrymataria1iDfbrmadon)in
coQJlOCd01lwiththeLoaaevldeacedbYtbeNo..iDc1udi'ii&butaot1im1tedto.rcpreaeatadoDlCOJICOl1IiDaBomrwenoccup8DCy
oftheProperty I principal .JfthisSecuritylmtrumeDtiaonalouobolcl,Bonowot IhaIIcomplywithIboproviaiODI
oftbolease. IfBorrowacquhafeetitletocboProperty.tholcuoboldmdreotideshallDotbemergoclunlessLeaderagn=csto
merscrinwritiDI- .
5. Cbarla to Bqrrowerad otLeadenlUPtIla theProJM!rt1.. BorrowwabaII pay aU lovmuneDlal or
MUDicipa1chIrPS,tbaand 1ftDOt inoludodIIIParapph2. BonowerIbaJIP8YtbeIo obtipdOftion time
cfiltIotIytoCbceatitywhicJJ isowedthepa,meaL Ifailuretopi)'wouldedvtaelya1rootLcadel'l ....iatile upon
Lender's nquost BonowusbaIl promptlyibmilh to Lcoder naiptIcwkIeaciDI these peyment& Borrower Ibal1 promptly
diIcharplIlYlicowhichhuprioJityo\Jor1b1lS8GUrityIalInUDeIltillthoIDIDIIeI'providod.lDPuqraph12(0).
If8oIJowcr&iIs to mate &bel. pe.ymeotl or1he propa1rcbarpIreqaircd by Parapph' orfails to porfbrm ID1 otluJr
cownaats ad18R*DCDtICODIaiaed iD'thfI SeourJty IDstrDmmt. orthere IIJeplprooeodiDstbItmayaigaifJ08IldyaffecC
LaJdet.rigIItIintheProperty(BUCb lSaproceedingill'bIIlkruPIC)',forcoadeamatioDortoenforcelawaorMBUlationa),Uaea
LeAdermaydoaDdpaywhatever topIOtedtheyaJaeof. PropertyIUdLalder'srighlS IDtheProperty,iDc1udi1g

,.'l!71}. fi

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plJ!DIDCoftues,haadiDliuaacoandodJorltem1JIlIIldonodinPaJaanph2-
ToprotectLeaden- inthe LeaderIba1lIdYaceadcbIIp110 BOII"OWeraUIIIIOUDI8 due10tbeSecmiryfor
tileMortpgeIa8urancePremium defiIledillthe LaID Apeemrat.wella aIllUDIIdueCO'dle Io8D aervioerfor
eervloiDsactivities("ServicidgFee").. def1aecIIntheto. Apemta1 A1Jy8mOGII1tdiIbunecIbyLeaderaac10rdJiaPili"
meobliplolyaud8ba1lbecomean8ddilionaldebtofBOl1OWS"U proYidedforintheLoanApemeataDdIhIIIbeseouredby
thisSecurityInJtrumeDL ..
6. lupecUOII. Lender oritI..eatmayenteron, iDspeotormake apprafallof1beProperty in te8laaablolftIDIIOradat
reaooabJotim.,,",,'dodrhatLeoda- .ballgivethoBoIrowerDotbpriortoanyiDspedioDorapprIiIaIspecif)rinapuIpOIo
fortheiDspc:ctioDorappraI8alwhichmustbeRJkad10 m1ereltfa rhoProperly" litheProperty.isftC8Dtorabandoaed
ortheloanIsincIetauIt,Leodormaytake toprotectIIIdpmsarveIUChYICIU1t01"ab8adonedPropertywithout
DOticotothoBCJI1V\ftJ'.
7. The proceeds ofmyaward orclaim for cIanJa&eI, direct or iD ccmocodoD with any
coDc1ornaadoaoroCherIIkiDaofmypartofthePJopcnytorforGOJMYIIlCO IIIplaceofcondemDa1ioD,.ballbepaidtoLeader.
Thepmc:ooda allbeIppliaclfinttothoreduGtion ofIn)'iadabtlda_UDderSocandNoteBDd.SecoadSecuritylDItrull10llt
heJelbytheSetmarytodProperty,IDe!thentotheJeductioaoftheiDdebtedaesIUDdertheNoteauddUsSecurft,IDatramau.
ADyexceaproceedsoveranIIDOUDtrcciuilaltopayallf)Df8fIndfnIiDdabIaIDcDUDderthoN9teIDdthiaSecurityIDslrumont
&ballbepaid10thoentitylogaDyentitledthereto.
9. GrouftdlfarAcceleradoaorDebL
(a) DueadPayable. Lendermay immcdi_pII)'JJleIlt ini\dloraIllWl1llCOurcdbythisSecurity1J:J.strwDaDtIf:
(i) ABallOWerdiaadtilePropertyIsnotthoPrblcipIllelicJaaoeofatItatODOlUrViviDgBoaower:err
(li) AU of Bcmower'a dUe illtho Property (orhis orherbeoeficfal fDfeNIt in atrust owaioa.norpartorthe
Property)isIOldorodtetwiJetrIIDS1eIredIDDO odrfJomrMrmainsCa) tftlc10 IbePropertyinfeesimple.(b)
leaseholdUDderlealforDOtleathaD99yeanwhichiIRIltJWBblograleuebaviDc.remaiDiDgperiodofnot
Iosl thaD 50 yembeYond thodate ofthe lOOtb birtbday oftbe)'DUDlC'lt Borrowr:t
t
or(0)a life estate In cbe
Property(orabeao&ialirdercIt intnIatwithIUChaDinrlnstindJ.eProperty).
(iii) ThePropertyceIIeIto dJe prmcipalresidenceof.BoIrowwtbrfttISOJJI ..tbandeathandthoPropertyis
DOttheprincipalresidence ofat leatODeotherBoaower;or
[IV) PoraperiodofloDgerthaa twelve(12)CODIeCUtiwmoatIII.B0rr01\CfaDt 10phyBica11yoccupy1M PJOpmy
becauJeofphysioalormentali1laouIDdthePItIpatyiInottilepriDcIpa1relidmceofat lcutODeOCherBorrower;
or . ':,,:-.
.' ,..

(v) AnobUpthmoftheBonowwllDdetthflSecurity1DItrument.DOtperfODDOd.
(Il) NoticetoLeader. BorrowershaD. dieLeDdorwheaeverlIlYof themutslJlCldinPmpaph9(a)Cu}{v)occur.
(c)Notice..Borrower. LendershannotifYBonowwwhlDev.thelaIDbecomeIcbtoandpayablelIDderPulgrapb9(8)(11)-
(v). LeadersbaUnOt havelbe right10oommcace f0R01olountilBODOwer1111hidthirty(30)dsyadarDOticotoeither:
(i) Co.trectthematterwhichnwltedilltileSecurity IatrumearCOIDinJdue IDdpayable;or
(ii) Pa)'thebalanceinfull:or
(iil) So.llthoPropertyforthelesseroftbobaJ.mc;oor""oftheapprU;cdvaluomdapplyIbeDetproaeodsofChoRIo
towerdthebaluco;or
(iv) ProvidetheLenderwithadeoditalieuoCfoRdoauro.

PopJ J/,"?Q.)j.

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.
(4) TrasCI. Conveyanceofa fnrerestin theProperly to atrustwh1ab .... therequbtiillelltlofdaD8emetaIy.or
corweyaaco of.bU8tJ iJltelUlb die to 8omnrcI:,IbIll DOt beCOIIIicIcred CODYe)'1DC8 torpUlpOieloftJIJl
Paragraph 9. AWit .all DOt be IDoccupantorbeCODIIdered bPi.aprincipal teIideacofor parJJOIe8ofthis
Patapph9.
10. ND Ddklenq JadpJeatL BorrowerIba11 .bawitO panonalliabWl1tbr paymentof tile debtIOCURd by tbisSocurity
IDstrumem. LcDdc.rID&7 eotoroe 1be debt0DI1 tbRnlgbaloofthoPmpa:ty. Leader abaI1DOl bepsmittedtoobWn delicJeDoy
judgsncmtapiDItBonvwcrIftbeSocurityIastnunGDt IstbndOlCd.
11. RelDstatemeu. Borrowerhas a,righttobeftriDsIatedifLcndcrbas requiredimmecIiatepayment fa ftdL 1bis ri&btapplies
muafterfOftd081Jl"O proceediupare inatituled. ToreiDItale IhiI Security1DItnua-.t.Bcmower sba11 correct the conditioD
whichresultedill thoEeqUirr:mcutforimmediatepaymeotin fulL Fcnclonre COIt8 udroa011lbleIDcI customuyattomcys'fees
andC'XPaea properlyIJIISOCIated withaf'oroc1osaIe pogoedIngaba1I be addedcothe priacipalba1fIace. UponreiDslatemeat by
Bormwer. thiI Secarit)' Inatnunent 8l1d til, obUpdOllS that it secures I1aaII remaia in effect u if LcDder lnId DOt
immediatepaJn1011t in ftlJL Leader isDOC JeqUinMI topermitninltalBrnmtIt (i)Leader hasaccepced
afb:r tho commcncemaoc of pmoeectinpwithlD two (2) yeaII Jaunediately proceediD& 1bo or
cum:at foreclosure prooeodiDg. (ii) teb'atemenr will pndudo fincJoIure on dUI:ft:nt (PVUUdI in tho or (iii)
reinstatementwilladveaelyaffectthoprioril oftheSecurityInstmrneDt.
I%. secondLIeDStatu
(R) MotliftcatlOL JJom)wer tooxtencI d1iI SeeuriJJ'DstnmJeat in acoordanco withIbiI ParaJl1lPh 12(a). IfLeader'
detenDinesIbacticorigiDalllcastituI oftile 8courityIutrument Js jeopardized1DKIerIIIte q ClDoIudiI1gbutDot limitedto
situatiODSwhetethe aount aecmcdby the SeGurity lnICmme:at equalsorexceodsthomaximum priDcipalamountItatedor
IbomaxiDJum periodunder wbkh10'.advauces RCIiD thosamelieDpriorityiDitiaDy aranted: to loaD IlCIvaDces 1111 expired)
mdSlltelaw pam.the orJainalliea8CItOItobe lDIintaincd fbtftabueloaDIICIvaacei tbrou&htbe executionIDdrccordldon
ofODe Of!DONdocuments, dimLeodersbaU obtaiD 1itlI nideace at BCJItO\WRexpense. Utiletideevideace iDdicates that
IbePropertyisDOt eacumbereclbyany lieDI(exceptthe PintSecurity I1IItrUm&mt _oribedill Plllpph13(1).tbiI Seooad
Secmity IbIt1umenl and IDJ lUbordiuate Ua tilat tbc: Leuder deto.tmiDel wiD also be subcrdinata 10 Illy ftI1uro kJao
advaDces).LcDder shaU request the B01fO\\'CI' to_ auchdooumeIdI. IfatIte law do. DOtpomUt the oziaiDaI11mstatui
to besteDdcdto fbtuIe lo8D advances.BorrowerwiD bedeemedto blvofaDed to perCurmedInobIfptiou aocfa'this
SecuritylnsllUlllcut. .
(b)To DeferralProenms.8ornJwes" ahallnot pMticiplte intealCICaie taxdcfcralprosram, ifanyHeDI creaIedby the
tax deferralatO notsubordiDale to Ibis Seeurity1DslnmJeDt.
(c) Prior Lteu. BOIrower sba11 pzompdy dischllJO any Den whidl flu priam, over this Seculity 1DIttumcDtUD10II
(a) ....iawritingtothepaymaat ofbob1iptioasecUJedbydae liaIh1 & IDIlIIDeCacceptabletoLender; (b)
COIltestl inloadfidth tho li. by,or defi:ads oldlelicin. Iopl prooeediDpwhich fa the leDder's
opinioGoperate topreventthe eafbrcementoltbeHa.; oflay pllt oftho Property: or (0) aeoureI fromtho boldar
ofthe UenID agreementntiatictoJy to Lc:mdtrIDbordiDatiagtho Iicato1111 amoaaIIlecmedbytbfs SecurityIDIcnJment. If
Lender delmmineatbalanypartoCtf1O Pmpen;yis.bJecttolieD which IDly aaaiDpriorityoverthiI Security !DItnJmear,
Lendmay slwBonowe.raDOti. (be liaL Bemowerchair satisfy the lien01tabODe ormOleofthe aet1oD.act
forthabovewithin teD(10)day.of-t:1c&lviDI'ofJJOtico.
13. RelatIoa.Jdpto I1ntseeurt"illltnlmeat.
(.)SecoadSecadt)'IaIb"tlIllIDt. In ordor to JeOUtepaymontl whichtheSecrecary maymake Co oraDbehalfofBorrowor
punIU8Dt10SeotioD2.SS(i)(lXA)ofthe NatioaalHousiDgAGlsad tho LoenAJNOmmt.the SecretBrybarTeqUired B0a01ftl"
to execute aSecondNoteandChis SCcoDdSecurity Boilowelbu aJIo eucutedaYuwt Noteand FimtSocuri1y
Ins1nuuDL
(b) RobIlloIIIlalp ofJ1nt adSecoad Seem-tty IIlItnuautL PaymsIrI awlo by tbe SCCreIaryIbaIl DOt boincludodill the
debtunderthoFimtNoteualeR:
(i) ThoPlIltSecurityInnrumoatis wipedto the SccreIm>i or
(ii) TheScerotaryaceeptI byChe bolderofthe PhwlNoCDfor.npaymeatI madeby the SecretlJy
. .
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It tIiocimwml8Dcel describedJa (i)or (ii)ocoar, then allpryma.tabytheSocntary,iDoludiD,iD-.cOD thePl)DJeaIl but
exctudlnslatadlq-paidbythoSocrotary,IhaI1beiDcIadedInthodebtunderthePintNote.
(e) EffectOA Borrower. Whenthere it.1iousigameatorzeimbwlementu deIcribedin(b)(i)or(II) IIld theSecrebuymakes
paymeDtltoBOlJOWfZ. IhcDBorrowerrballuoc: .
(i) BoJequired to payemOlIDI8 owedUDder tbc YIlItNote. orI8Y my _ adtOVeaaes ofthe PropertyUDder
Paragraph19rothoholderof theFatNoteorI reoeiftl'of thePJoporty,untiltheSCCNIBryhalrequiredpayment
illtbJlGflll QUlIlDdia, prlDcipal ad.ecru.mtcrataderIhe8ecoDdNote; or
(ii) BoobUptecitopayIDterestQI' sharedappreciatioaUDdertheFintNotaataoytime.whethetaccruedbeforeor
aftm'thopaymt:IdSbythoSeoretuy.adwhGlherorDOtaocruediDtcrestbubeeninoludedfathepdacipalbalace
UDdertheFaitNote.
(d)NoDvt)'ofUae Secr.taI)'. Tho has110 dutyto tbeholderofthooftboJrDlltNoloCO eaforoecovenants ofahe
SecondSecurity1DstnuDcIltor taQaadoosJD pzaervelb.ftIuoof1heProperty,eYeDtbousbthehokb- oftheFntNote
maybeuoabletoQJ11ectlIDauntiCNied1II1dcrthePintNotabooauseofresarictiOlllinthisP8I8If8Ph13.
(e) on Barorcemeat. N_III)'th.Iuc aile in rbis Security 1Dsu'umtGt, the Bonvwershall not be
ob11ga1ed to comply 'With tile COVedaa" IDd PalqnIpb 19 shall haveDO farce aad effect, wb.eaever there iIDO
oUlltllndhlgba1ancoUDdertheSecondNoto.
14. Forbeannceb)'LenderNot.Waiver. AnytorbearaDeobyLoDderinoxenUiqmyrightorremedyaha11uotbe.waiver
oforpn:c1udethooxemileofIll)'rJptor
15. SucceulnadAsapDauud;lomtand8eYenILIabIlIty. Bonvwermaynotassign811)'rigbllorobliptjOO5UDder
dUB SeourityIDstrumaatorUDdertho SocoadNo.,.eeptto _ thatmecaIboJeqlIiremeafBoftheSecretary. BarroweI'I
coV8DlJdlaodapccmealilhaOb, joint andsewraL
16. Notices. luJyDodceEo providedforfathiJSeeurityIostrummtshallbepeabycIo.InaiDait orbymailm,Itby
tnt claImailuo1.11appUoabIolawnquiRJIuseofIlDOIbermethod. ThenoticeIhaUbedirectedto.the.PropertyAddreIIorany
otheraddre8IallBonvweiIjointlydeaiioate. AIryDotice10thoSecnIIuyIhaJ1begiveabyfiliiclassmailtothoBUDfield
Office withjurisdicdoaover tboPJt)pedyormy0Ibcraddrwadesl....bytho SecnaIy. Any aodcoprovidedfbi" iD Ibis
SocwityIasbumeDtsbal1bedoomedtohavebeeDgivea.toBonowerorLtaderwhcm u providedInIbilPlAsraph16.
J1. GoftftlfD,LaW;SI"..'l1ity. 'SecurityIDllrUmc11tIhaI1beaovemodbyFMoraIlawaDdtheJawof'dlejurildicdollin
wbiabtho istocaRd. ID Cbe tb8tIII)' 'arclauleofthisSecurityInIirumenlorthoSecoudNotecoDflJoIl
withapplicablelaw,IUcbCODfI1ctshallWnotatrectotherpmrlsiOiI'oftbisSClCUritlIDscrumentortheSoooadNolOwhichCIIIbe
penofioctwithoutthecxmflletillgpruvisiDJl. Tothis'enddiepmVisiCIDIof_ SClCUrity IDItrumeDt1DCl1beSCCODd Notoare
declared10beseverable, .
18. Borrower'.Copy- BmroWCl'aba1Ibegiven0110 confbnaedcopyofthaSecoadNoteand.tIUa Soeurity1Dl1JUm0Dt.
COVBNANTS. BomnverandLeder tbrtbercoveJWltandapeeu follows:
19. Aalpmeat ofRen.ll. Borrower uacoadiJJoaally....and nufiatoLenderaUhezemsad'leftl1llelalthoProperty.
BonowerauthorizesLouderorLeDdar'1agautstoco11eettheraItImelm'em=IandIIerebycIlrocfIoaohtcmIDtoftboProperty10
paythorcDtstoLcDderorLender'a.ptdi. However.pdortoLeadel'1NoticetoBorrowerorBoaower'8bzacbofaaycovenaDt
oragreementilltileSecurity1JII1nJlneDt, Boaower8IIaJ1 calloutaDdaeoeiYDallrallsandmeauesof thoPropertyIItruItIIefor
Ihe beuefttofLeaderand BOlTCrN... 'IbisUligamentofftlDll courd1uta8b IblOluteIIIipmeat-.dDOtan1Di8JUDC'Dt' for
additiollallGCUrityODIy.
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I
'I
4 If &ivosGOtice orbreiaabCD BO!IOMIr:(a)allRIll" rcoe.iwdbyBoovM:rIba1Iboheld byBonvwer u truIIeelOrbene&
otLcderonly,II)be applied 10 tile IDlDlIeCInd byfbiISeauri1J IDstrIJlMtl;(b)Lender IhaIlbeeadtlcd to collectandteeei'fo
allofthe RmfI oftbeProperty; and (e)eachtlUDtofthePropartythaIIpayaUraaJIduead uapaidtoLeaderorLeaden IpIlt
onLenden writtendomaDd to die teIUmt
BOJI'OWCl" haa1101 cxec;uted Illyprior usfgamcat oftherc&1IIlDd "'DOt andwiD DOtperformlID)' actthat wouldpreveatLeuder
liomexercisingJtI rlshreUDder dIia Pmpph 19, except.providedill thePint Sceuritr IutnuDeut.
LendersbaU DOt borequiredCO adI7t tabcontn:IlotormaiDtaiD dle PropertybeCore orafter aivJogaoticeofInachto
Bonewer. HORver.Lader or. appohttedroeoiv..maydo 10 .., dm6thereiafJroac:h. Artyapplication orrentl
shallnotcureorwaivelIlYdefaultorinvalidatemy other_ orready ofLcdor. Thisaalpmeatof..oftho Property
Iha11terminatowhen Ch.debt IOCn1ft'Clby thIeSecurityIutIumcmt it paidill 1bU.
20. I'oredorare I'roedqre. IfLeDdw requIra immediate pqaae.atID full under ......... " Lend.,1II&)' forecloaetill.
SecurityIDltnUDeDtbyJ1IdIcIaI proeeed.... lat_ IUllIJeedllecl to ceRed..apenIeIlaewi IJI pan"tile
remedies pnMdecllD dill Paragraph 20
1
lllehrcnar. lilt not lIJDIfed CI, rallDibie Idtomeys' r..udeo.Of title
evidence.
21. IJa Priorlt1. Tho full II1LOUI1t aewredbythis SecurityIDstrumeat aha1I hawlieu priority auborcUaate oaf)' tothe ftdI
amountIOCIndbythe PhIt8ecurllyIDicrumenL
Z2. AdjustableRiteJleature. lJnder .the Note. the fDidall1llkd inten:strate ofnne ad"'JOOperceDl(3.660%) wbicb
ICCJ'UCI OD thouapeid priDcipllbalaDce("TDitialInbnIt JtaIeI? is lIIbjecttoohlatJe,u 4elcn.bedbelow. \VbeatheiDtcRlttate
cbanges.theDCWecUUItecliIdaeItnte WW beappliedtotheeutaloutItaDdiolpriDcipalt.lance. Bach8djallmeDtto Ibc fn__
mewillbe aued upon thoweeklyaverApyieldODtJDited StateIneas.ySeaudti.adjultcdtoeoDItIDt maturity orODe ,ear
("IJldcx,,)plaa DlIIJia. ThelDda publishedin thePederal Resavo BuI1efiaandmade available byUJe UnitedStalelTrcuury
Deputmeat iD Statistical Release B.lS(Sl9). If tho I1ldex I.DO J.oopr avaifable. tender win be mCpnd to ., a,.iDdex
presonbed by the Deperimeat ofHousiol IDd Urbaa DeveIopmeat. The new IDdex will have historicIl mowment
IUbItaatialJy limilar to tho oripd iadox, IDd tbo new index ad margin will JeIUlt in 811 IIDIIUal J*t*l1aBO rate that is
substantially.imllirtoIbe I8Iein dectItchedille the orIgUallDdexbecometunavailable.
Lenderwin pcrtbrmtf1e aabdadoaI dest:nWWowto deCemJiDo the Dewadjuatecl JnteroltPile. Thome..t nlemay cbmp
on SepteaaberIt200'81Idonthe firIt dayof _ adOIl thatday ofeach auc=diDg year.. or --L.the ftntdayof each
succeediaa month(Cbap Date)untilthe loan is RJ)IiIJu fUU.
ThovalueofthoIndMwillbe cIetenniDed, using theIIIOIt reoemJitcb:1ip:oavailablethirty(30) da".betbto the CJIInaoDate
("CumlatIndex->- :BefcneachCbabgeDate.the"DOW iurereatratewill becalau1med'by Iddinamarginto tbeCurnmtIada.
The 8UIIl ofthe mqinpIus the Cuneat IDde.1t will be caI1ed tho -CalcuJalecl IDIInIt Rate- for each 0Jaup The
Calcolated IJ1terest lWewUl be compand 10 the mo ....cffecfimmccIiaCdy prior to the cumm QanaeDate (the
"ExistiDa )n'eresf, R$). . .
AaaaaD1AdJutIDlVariableRate ..ture .. 1hciDIaat latlt wU1 DeVer iIloreaseorcIecreuebymore
tbautwopen:eolase (2.0%)CJIJ .,liDIIoCJaaeDate. ne intereltratewiUneverbe morerhaD
five porceDlappoints hiptr or1owot Ibia Che IDidaI iatomstritedated iD Pa8gnpb 2 of thiI
Note.
.....x. Montlll, AdJIISdaI Vldahle Rate Jleatun The CaIcaIa1ed JDteteIt :Rate will DeY abovo
13MO%.
Tho lDterestRate wiD bo acU.WJIDd itnoceuary to OOIDj)Jy withthe rite limitatioaCI)describedabowIUdwiD be ia
effectuntil the DIIXt CbmpDate. Atanycbaop_ iftbe Interest Rate oquaIa IbeBdstiD& Inlaat Rata. cbo
intotestra- wiltDot cbaap.
t'
Book5057/Page1688
CFN#2008065290
Page 6 of 11
... - .. ._.'.--:'-:.:,." . : .:.'a
23: Upon otall IUIDt IeCW'Cd by tbfs SecurityInIInJmaat.LendertbaD .... tbiISecurifJInscrument
I
,
WithoutcbqotoBorrower. Bonower ahIl1payIl1YreeardaticnCOllI.
24. AUomtp')rea. As UIDd in Ibis Securityluatxwucnt andthe -.uomG)'l'fed'8hall iDclude m)'IttOmayI'fees
awardedby1ftappellatecourt.
25. Bid...tothissecurityIDItrRmeI!t. If oneorIlXnrtdenIteaxoc:utDd byBorrowerandteCOrded toaedIerwith this
SecurIty1Dstrumcnt.thocovenantsBndlpemeatlofeach..riderahallbeincoqxnledfDtomdIhIJtamendaadauppJemcnt
tho covenantsandaareemen1B ofthilSecurityIDa1nDnrrJtasiftberlder(s) wereapertofthisSecurityJnstrument. [OtcekaU
ridcnthata appHcable).
Witnesses
RICHARDT. KWlATKOYISKI

Signature:
STATEOFFLORIDA
'Thefbre&oinaioslrumeDtwuacknow1edr,cdbeforemefhla F?J/ dayof
:JlltJe .byPeDtiiope GUllJple IDd PeaelopeM. G8IeIPIe.TnJIteI,MarlcGJIIeIpIe. Tn..,
NeDJ.GIllespie,Trustee,whoitpenrma!lyknown10me;who produced
J?4oItfX A ." andwhocId(didnot)tatunoalD.

NotIryPublic
Name: RtCHAIIlT. KWlATK0WSK!

Book5057/Page1689 CFN#2008065290
Page7of11
!
.
If4aclm' &ivcInoticoofbIeChto8oDoIN:(a)IIIRIIIIBmc:aiwd by.BomrwwIbaUbeheldbyBorrower II01IIt0efOrblDGftt
otLeuderonb'.tobeappliedtotbeIUIDI.CIWedbytbiISecarity (1t)I.-JerIba1IbeaditWtocollectandreceive
aUofthorenDoCthePmpetty;aad(c)each- oCtilePropertyIballpayaUreaJadueIIlduapaicltoLeaderorLeader'taaeu
t
aDLeadenWJiRendOllllDdtothetmJImt
BorrowerhalnotoxeQltcclmypioraalgamcDtof tilereDll .dliasDOtIDdwiDDOt podbrmanyactthatwouldpreveatLender
tiomox-iDsitIrighqUDdertIUaParagraph19,exceptuprovldecliDthePirstSecurityluCnuDenl
LandershallDOt berequiredCO enter tIkeGODIrOl oformatD1aiD1bePropertybefbreorafterIIvlDgDOticeofbleach to
Bonowcr. However.Len_orajudhU1IyappoJItedrecolvermaydo10litItI.y timatherei AnyapplicationofrenII
ahallnotcureorwaf"anydefiDltorbrvalidateIQyotherrf&htorJellledyofLeador. 'IbisaalJIIIMDtofre.allof thoProperty
IhaJlterminatowhenchedebeIOOlIRdbythisSecurityIDsCrumeatispaidmfbU.
20. loredoa.reProcedure. ULen4erreq1drcalaulledJatepaJIDWIIIfilii"'arapap." Leader,".'forecloaetil.
SecarityInltnUDellC byJudicial pruceedlq. Lead.IhaI1 be aWedtocelledID ape.. InemTed Inpal'lldnl"e
renaedlu prcrvlded ..dall Pangrap. 20. IDdadlJal, b.tnot limited to, ..ble IdCome)'l' I.. adCOlD artitle
eridtIJC8.
2J. LIeIlPriority. ThofidllIIlOUDtsewredbydrisSeoadtyInsrnamcatshallhave.HeDpdoritysuborcIiDateoa[ytotho ftdJ
amountscetndby!beFuseSecurityIDmumenr.
12. Adjustable Rate]leatlmt. uJ1deithoNote. the iaJtia1.lItedJnterat rate otTU..iuId'6/100peICODt (3.660%) which
accrueIOD thoUDpIfdprincipalbIJaDce("IDftialIn1InItRde1faIUbjectto u describedbeJow. WhentheimereItrate
GhanPs.!beDewadjustedfatereatJUSWillbeII'PJiecltotiletotalCUIIIIlCtiqpriDoipaIbaIamco. Bach.tmeot tothe'mtlnst
ratewmbebaaedupoDtbcweeIdyaver&pyieldemUnitedStateaTIeuurySoaarideIIdjuatedto COIIIIantmaturityofODe)'ear
amqiu.ThelDdaispubJiahedilltheFedcra11.e1orveBuI1etiDandIDIdeavailableby UmtedSlIlcITnIlUl'y
DepartmeDt iD SIatiIdca1RaIMso B.J5(519). If the IDemJI DO JonaeraYlillble, Leaderwillbemquind to1IIeID1iadex
peacribed by the Departmeut orHOUIiDI aDd UrbaD DeveIopaaeat The owJudex will have a bistorical
IUbataDtiaDy IJmi1ar to the origiDal iDdex, aDd the DeW indaand margiawill RII01t in 111 aDIlUIIl per=Dprate that is
aubstantillly.imIIIrtotheJatefaefrectat'IhetimetheodPaal1DdexbecorneIunavailable.
LenderwillperformtilecaleaIadoDIdesCribedWowtodotemdDotheDOWadjuIIedfDtr.raJtnate. Tho iDterostratemaycbIop
on SeptemberIt2088,adonthelimday of _ and aD dillday of each aucceedIqg year.. or ....L. tbofirstdayofeach
succeedlagmonth(ChapDate)mdi1theloauiJNp&idinfall.
ThovalueoflbeIndexwiDbedetermined,usiD&thomostreoIDt!DdmtftJureavailablethirty(30)day8beforetheClanpD..
raeurrentIndox"). BeforeeachCbanaoDate.tho'nowiDtereatratewillbe byeddiDaaUJIJIintotheC'umDtIoda.
The sum ofthe margin plus d10 Curroat Iud.- wiD be caUed the "CaIca1lted IutcnItRate" for each ChanpDate. The
Calculated IDterelt Rat6 willbe compamd III the rate '1D,..ofrect immodiafeIyprior to tho cummt ChapDate (the
IIExisdDaInlerestRato). J",
AnnuaUfAdJadaaVariableRateY.tureThoiaIecat,mewUl De\'etinoreueordecrease bymore
thaatwoJ>eft'CDfJaBe j)OiDta (2.0%)GO any.mpeChanpDate. TheiDterestrilewOlaeverbemarerbaa
tiYo perceatllppojatl(.5.0%) hisherorlowettbiIldie fDfdaI iaten:8tnleItllteella Paragraph2oftlriI
Note.
.....x.. MDBWy Adjuadq VIriabIe Rate Fest1lre 'Ibe CI1caIaUd mteR8t Rate will Dever iDcraIe above
13.660%.
ThoCalculatedImerestB.atewillbe ifaeceaary10 oomplywithrilerateHmlIIIioD(.)dacdbodaboveladwillbe ia
otrectUDtil theaextChaapDate. Atanyohaqedale, if theCalculatecllmetestRIteaquala thoBxisan&InIaIatRata. tho
.
Book5057/Page1688
CFN#2008065290
Page6 of11
. '.
23. Jtelease. Upon paymmt of alluns"Iecured by tbfl SeomityInItrurnmt;LanderabaJ1 mcuo thil Secmity Instrument
charge to Borrower. 1Jrowa-thaD pay lIlY ft:COIdaticn costL
24. Attorneys' Pees. A. usccl in tbfI Sccurit:Y InIImmcnt Iftd 'the -1IIOme)'I'teea" IhaD iDc!ude any attomeyI'1bI
awarded by an appella1e court.
25. Rlden toOds Secartty 1utnuneltt. If one or 1IJIR uden are aecu1ed by !;J0I'r0WeI'and teCOided toaetber withthis
Securi1r Instrument, the cownantIlIld qreemootIofeach _ riderIhall beiDcorparIIed into endIhaJ1amend ancIsupplement
the COWDIQtIand lareomcntI ot tN. Security IDItnJmentu ifthe ridel(a) were a partof tbis :r.trumerat. [Check 811
ridm that aro applicable).
Wi
RICHARDTt

SignallJJe:
STATE OF FLORIDA
11Ie tbre&oing insInrmentwaaacblow1ecJeed boforome thiI F"" dayof
SIIJe rltL4 .byPeaelope M.GIIeIple Illd PeaeJope M. GtIIapIe. Tn.st.,"MarkGJDeIpIe, Trustee,
NeD J.GIUespIe. Trustee, who II penoniL'ly knowntome;who produced
j&foI&;! " . whodid(did not)lIb..aetb.

Not8IyPublic
ame: _.... __
N
RlCHAOOT. KWIATKOWSKI
Book5057/Page1689 CFN#2008065290
Page7of11
.-,. ,. .. ... ... .'. . ...' . . . .. ' ,
%3. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument
wi1hout chargetoBom>wa-. Borrower shall pay any recordatim costs.
14. AItorneyit Fees. As used in this Sccwity InsIrUmentand the Note, "attomeyI' fees" shaD include any attorney.' fees
awarded by an appellate coprt.
25. RIden to tbls Security IDIlnmeDt. Ifone or more riders are executed by Bmower and recorded together with this
SecurityInstrument, the covenants and agreements oreach suchrider Iball be incorporated into and shall amend andsupplement
the covenants and agreements of this Security Ins1runumt u if the ridcr(s) were a partofthisSecurity 1nItrument. [Check aD
riders thatare applicable].
I
CondominiumRider. IX IPOUD...Ridr:r I
.........
th
BY SIONING BELOW, Borrower accepts and agrees to the terms and covenants contained in tbis Security Instrumentand in
'any rider(s) executed B wcran,A dedwith jt.
Witnesses:
Signature:
PENELOPE M. GILLESPIE (Borrower) NEIL J. GILLJrSPIE.,TRUSTEE
..
PENELOPE M. GILLESPIE, TRUSTEE MARK PIE, TR STEE
(f!.PfI1f.) COUNTYOF'$lffd(/
foregoing instrument was before me thiI ,'. . day of :ttJtJtf
, by PeAeiopc M. Guksp.e,";'iteaelope M.GJJJespIe,
Nell I. GIllespie, TnI.,.whois penonally known to me;whobaaproduced -
0tL'Vt' r ') I-J fl! rUJ '$'( as identification and whodid (did not)t8kcan oeth.
Book5057/Page1690 CFN#2008065290 Page8of11
, .: 01 ,.' '0" .... ... .. . . . . '.' - ':' '. '-.. r':: 0 .. ':.. _... ' 0 _ .' ,.
, ,
EXBIBITA
Bxhibic A to tho M'ortpplivenon lane 05, 2808, byP..eIope1\1. 00IeIpIe, NeD J. GID..,le aacr Mark GIll....'" u Co-
Truceea 01 TIle GOIeIpJe PImdIyLMDI Tnalt Acreement ..red Jleb...." 10. 1'''' ("BomJwot') to tho Secretary of
Roul aad thbID Dowlopment. and whole .cIdraI fa 451 Seventh Snet. S.W.. WlShingtob. D.C. 20410. ('1..cDdcr' or
-Secretlry"). 1110Property fa locared Inlito countyotMarloD,1Il1OorFL, dclcnW u foDowl:
Description ofPmpelty
Legal Doscription attached borero u 'Bxhibit A' IDd bythisrefercIlce made a part
. . -.
LOT(S) 1, BLOCK G, OAK RUN WOODBIDE TRACf, ACCORDING TO THE PLAT.
TBEUOF AS INPLAT BOOK2AT PAGE{S)106 THROUGH 112,
INCLUSIVE, OF THE PUBLIC RECORDS OIr MARION COUNTY, FLORIDA.
--- -- -_.__._-------
- .----
."
Book5057/Page1691 CFN#2008065290 Page9of11
.{ PLANNEDlJNITDEVELOPMENTRIDER
FHACueNumBer: LoanNumber:3'100
THISPLANNBDUNITDBVBLOPMBNTRIDERIImadeOIlluae05,2008,IUd IIiDooIpontediaEo IDdIhaD be
deemedtoamendand.upplcmoDttbMortJIIo,DeedotTm.Gr SecurityDeed(thollSecurityIusbUllIOii....
SocurityIt18tJ:UmtmC)afthoIIIDOdalegivabyCheUDCfcIsiped("Bosrowcr-)toICCIU'OBorrower'.SOCCJDd Notetotho
gecniaJyotHouaiDsaDdUrbmDeveIopmat("Lender'?orabelImOdaDtDdcoveringthoPropertyde8cnDod1D tho
SecurityIuaClUuuztad10catcdat
8O'ZSW115daLoop,OcIIa,JI'L34481
ThePropertyfaapatof. p1almedUDitdoVDJopmc:nt(POD)ImoWDIS:
OAICRDN
PDDCOVENANTS. IDaddlflo.eo theeeomaaDflaadqreemeatImadeIntheSeelllU1lnmuu81lf,Bomnftr
alldLeaderfart1lercawnantandft&teeu ron...:
A. SoJoq..the Asstdation(orequivaJeateDtit)'hoIdInatitletocommon.reaadfacilities.actingu
trusteefordiebomcowDel...mafnCafDa, withJOI1811J1y accepted fDsDranco carrier..........or
policyinsminstho'propertylocatedinthePUn.iaoludinaaniqJmvementlDOWexiatiDaorherelftererected
anthomortgagedpnmUscs.IddsuahpoHayis1lli8&ctorytoLoadarIDdpro\'idcsinsuIaceoovenpintho
arammer, tortbepadods.andapinIttilehmmILaIdaradtheSecret8IyICqUire.iDaludingfile andather
baarda Iacluded widtJD tho'term -ateaded covarap, aDd loubyflood. to eho extent required by the
Secrermy.tbeo:(I)Lender,mYelthapmiilollinPlrqraph2otthisSoourityJastnmteIIIforIbeplymentof
thopremiualforbumdinmranceOD theProperty. m:l(d)lb1oWoz'aoblipdoaUIJCfer PaaIflPh3ofthis
Sec.urlty IDalNmeacID maiatafa hazanJ iDIumaco OIl thoProperty is deemed ntilfiedtothe extaJtthllCho
requfredcow.n80iIptOVidOclbytbe0wDeI'I'Msociadoapolicy. Borrowerahan&iveLencferpramptnotice
ormyIapIoill buanliuIurancocoverap adofay1_OGQ1rdD.frombaza1d. JD thoew:otot.
discributioDofhuardJaanaceproooedaiaHeoorratm'lliODelfrepair1bUowiollloato IhePJopanyorto
COIIIDlOdareasaDdmeDfliesoftbePUD,myp:oceadIpayableCO Boaolftr herebyl118ipedaDdshaD be
paJd toLander forappIicatioato theIUInI aecanMlbythisSeomity!DItrumeDt.withany.cesspaidtotho
ODtit)'JopUyaddeddIerefo.
B. Bomnverpromfseatopaya!ldues.aDdIII8BIIIIeaD hnpoHdJ'UI8UII#to theleaaliDatruuaeDII creatinaIUd
IOvcrainsthoPOD.
c. JrBorrowerdaelnotpayPUndueland I8SeIIIIICDII when duo,tbaa LeodlvmayPlYd1em. Anyamoua'f
diaburaedbyLendorUDder pldlrapbC.haDbeoomoaddidoD.ldobt o!Borrowotaeoun:dbydzeSecurity
lnIcramatt. UDIosI mdLaidageeto0Chec lenniof thtseamouollshanbarinterest
fitmthedateordisblUlcmOlitat 1bo Note rate bepayable.wItbiaterest.uponaotlcotramLonderto
BorrowerrequoatfnJ .'.
BYSIONDfOBELOW, BorroweracCepts ad.... totiletermllDdproviI!oDIcoaIaInediDtbIaPUDJUder.
7!"'rtJD
(.'
Book5057/Page1692
CFN#2008065290
Page 10of11
I_ 0'--'-.. __ , -_ _-_._-_..........'.- ...; _ '-.-- -.. ---- -:.
J
t
PLANNEDUNITDEVELOPMENTRIDER
FHACueNumber:091-44057411952-255 LoanNumber:39100
THIS PLANNBDUNITDBVELOPMBNTRIDER. ismadeon Juno OS. 2008,and is iacorponlled ioto and.hallbe
deemedtoamendandaupplementthoMortpgc.DeedofTnJstorSecurityDeed(theSccurit1lDstrument- orSecond
Securitylnatrumcne-)of thesamedateBivenbytheundeniped("Borrower-) tosecumBorrower'18ecoIIdNotetoIhe
SecrewyofHousingandUJbauDevelopment\Lender")of111" sarnodateaadcoveringthePropertydeseribedin the
SecurityInstJUmcntandlocatedat:
8092SW115t1aLoop,(kala,IlL34481
ThoPropmyisI part ofaplanned unit development(PUD)blowna:
OAKRUN
PUDCOVENANTS. InaddltioDtotIIeeCttYeDQtIandapwlDentl ...deIatheSeearity Itrulllcnt, Borrower
ladLeaderfurtJaercove.utandagreeU follcnn:
A. Solongasthe0wDen'Asloclation(orcquivalcatcatityholdiDglidetocommonareasaDdfacilitie1, actinaIS
trustee fortho homeowners. maiDtaiDs. with agcnc:rallyacceptedinsinacecarrier. "master"or "blanbt"
policyinsmiDgthepropertylocatedinthoPUD.iacludiDgaD improvemengnowcxistiagorhereafter
onthemortpgedpranises,andsuchpolicyisatiJfactDl)'toLeaderaDd providcainIurancocoveragein the
amounts. for theperiods, and againstIbehazardsLender8IIdthe Secretarynquire, iDcJudin, fire aDd other
hazards included widlin the tenD "extended cOVeBgo, and louby flood, to the excent required by the
Sccn:tary.thea:(0Lenderwaives theprovliionin Paragraph2 of thisSecurityIDstrumeotforthepaymentof
the premium forhazard on thePropeny. and(ii)BonoWCl'l obligationuudctParaaraPh 3oftbis
SecurityIDJtnJmeDt tomaintaiD blZlldiDsurance on thePropertyis deemed satiltiedto the oxteatthat the
requiredcoverapisprovidedbytheOwners'Aaociationpolicy. BotmwershaUgiveLoDdcrpromptnotice
of anylapseinrequiredbazardiasurmcecovaapandofIllYIosloccurringfrom hazard. Intheowntof a
distributionof bazaRtinsuraDceproceedsinfieuofrestoratiouorrepairfollowinl loatodiePropertyorto
commonan:uand ficilitiesofthePUn,DyproceedspayabletoBonvWtl'In herebyUliFedaDd sba11be
paidtoLeader for application to the 8UD1I securedby this SecurityInstrument.with anyexceapaidto the
entitylc,aUyeatidcdthereto.
B. Borrowerpromises to payall dues and asse8mneDts imposedpunuantto the Jeplinsbumcnts creating and
govemiagthePUD.
C. IfBOITOwer does DOt payPUDduesand assessmcnll,wbendue. Ibm Leadermaypeylbem. Auyamounlf
disbursedbylaDderUDderthisparagrapllC.ball additioualdebtofBorrowerIccurodbythoSecurity
InItrument.UDies. BorrowerandLeodcrt.'pto tamsofpayment.theseamounm shall beariDtere8t
fromthedateofdisburscmeotattheHoletaleandsbaIIbepayable.withinterest.uponnoticeftomLeDder10
Borrowerrequestingpayment.
BYSIGNINOBELOW.BorroweracceptsandapeestothetenDsandproviaion.sCODfaincdinthisPUDRider.
flZ.t -
PenelopeM.GlIIIIpie.Trultee MarkGln.ple. t"nutee7
PeaelopeM. GOletpJa NEILJ.GiLLispIE,TRUSTEE
111111111111111.'
U45842SS3-14HF11
2"'PUD ....1aCt
t1ORTGAG[
us Recordang.
Book5057/Page1693
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Page 11 of11
: .!r._, ... _.: ..:_ . ' .
... :
Docmf .U_tIG026JAfnGW



.
I
ASSIGNMENT'Of'MORTGAGE
....__ ...
'NORTHsurrS1IDtlATrLLWA .
.:_SOLUI1ONS. JNC',..wheNaddieuk2n,II'JUH(;caaxDIlIYL:SPIIlIKCtft.'7311all:
d.cdhd'"**totcdIa. ..........-....
.....Iftd.lft01IC7.cadto .....wiQlInWIII.tJl .....m.sOtloICCrU11l*1aId.
............
o 0rJPalLeIder: NORTGAG-,we
Or.... PENtl.OPII.if. GILL... ASTfWSTEENItIL.l

"'-AMlLY'UING:TJlWf AGIIIZMIrfT-DATDRUU.' l"r .. ::..
U-. ...... . .... .. ...... :
Qfilinl AIDouMr ttJl.-uo . .. . .. '.


lANKor ":'"

: ,_
..
.....
...NItff1.... oPPElUU.V....!IItiIwt.taeSta...erc..,.....:......:
,.,..,.,ltlltruludc..... ..' .' .