# NO. 03

-15

-00215

-CV

__________________________________________________________________
IN THE THIRD COURT OF APPEALS AUSTIN, TEXAS

__________________________________________________________________
LENNY ACEVEDO

Appellant,

V.

FEDERAL NATIONAL MORTGAGE ASSOCIATION

Appellee.

____________________________________________________________ On Appeal from the County Court at Law Number Two of Travis County, Texas Trial Court No. CC

- 1

-CV

- 15

-000869, Honorable Eric Shepperd, Presiding

_________________________ ____________________________________ RESPONSE OF FEDERAL NATIONAL MORTGAGE ASSOCIATION TO “PLAINTIFF’S ORIGINAL PETITION AND APPLICATION FOR EMERGENCY TEMPORARY RESTRAINING ORDER”

__________________________________________________________________ Mark D. Hopkins Texas State Bar No. 00793975 HOPKINS 

# & WILLIAMS

# , PLLC 12117 Bee Caves Rd., Suite 260 Austin, Texas 78738 (512) 600

-4320

– Telephone (512) 600

-4326

– Facsimile mark@hopkinswilliams.com shelley@hopkinswilliams.com

ATTORNEYS FOR APPELLEE May 6, 20 15 ACCEPTED 03-15-00215-CV 5182525 THIRD COURT OF APPEALS

AUSTIN, TEXAS 5/6/2015 4:45:08 PM JEFFREY D. KYLE

CLERK

# 1 

# BACKGROUND FACTS AND PROCEDURAL HISTORY

Procedural History of Eviction Proceedings. This is an appeal by Lenny

Acevedo (“Appellant” or “Acevedo”) from a final judgment entered by the County
Court at Law Number Two in Travis County, Texas, granting Federal National

Mortgage Association (“Fannie Mae” or "Appellee") immediate possession of
property located at 1108 Fox Sparrow Cove, Pflugerville, Texas 78660 (the
"Property")( Appendix “A”)

. 1 

# The Judgment was rendered on April 2, 2015.
Appellant failed to request that the trial court set a bond. Appellant instead filed a
Notice of Appeal on April 9, 2015 (Appendix “C”), a surety bond for f ive hundred
dollars (Appendix “D”), and requested both the trial court clerk and reporter

prepare their respective records without cost (despite having filed no timely

Affidavit of Inability to Pay Costs). (Appendix “E”

– correspondence to the clerk
and court reporter). Fannie Mae is not opposed to the issuance of an appropriate
bond in this case; Fannie Mae is only opposed to Appellant’s litigious
gamesmanship used to create delay just as was done within the prior district court
litigation and appeal involving the Property. Appellant has not paid his mortgage
since 2009 and has sought nothing more than the ability to live rent free for years.!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 1 

# Fannie Mae purchased the Property at a foreclosure sale on April 5, 2011 (Appendix “B”).

# 2 

# Procedural History of Past District Court Litigation and Appeal

. The

Property at issue in this appeal is no stranger to the Third Court of Appeals. 2 

# Two
days after the foreclosure sale of the Property, Appellant executed a deed without
warranty to John Rady (Appendix “F”) conveying any interest owned by Appellant

in the Property to Rady. Rady then utilized the deed without warranty to file a
district court lawsuit premised upon a defective notice of sale, whereby keeping
Appellant in the Property throughout a lengthy district court lawsuit and appeal to

this court

. 3 

# After years of delay, Rady dismissed his appeal voluntarily in mid
2014 and this eviction action against Acevedo followed.!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 2 

# See, Case No. 03

- 12

-00764

-CV; John Rady v. BAC Home Loan Servicing, LP, et al.

3 

# The appeal was brought solely for delay. Note the delay in the request of the clerk’s record and reporters record (Notice of January 29, 2013 reflecting that the records were due to be filed by December 6, 2012). After the appellee’s motion to dismiss (April 18, 2013) and the Third Court’s Memorandum Opinion dismissing Rady’s appeal for failure to file the records (April 19, 2013), the Third Court withdrew its Opinion on April 23, 2013, on the promise by Rady that the record would timely be procured. A year later
, when the matter was taken up by submission, Rady voluntarily dismissed his appeal on June 20, 2014. In short, Appellant Acevedo remained in possession of the Property after the April 5, 2011 foreclosure sale all the way through the June 24, 2014, dismissal of the appeal by wasting the Third Court’s time with a baseless appeal that was dismissed after the maximum gain of delay had been created. Appellant Acevedo now seeks to create the same delay at the eviction phase

.

# 3 

# ARGUMENT AND AUTHORITIES
Appellant’s request for emergency relief filed herein: (1) fails to cite the

court to the proper authority, (2) fails to attach or rely upon any evidence and, (3)
fails to provide this court with any type of lower court record or transcript. It is

challenging for Appellee to respond to a motion that completely fails to comply

with Texas Rule of Appellate Procedure 38.1(i) in that, “the [motion] must contain
a clear and concise argument for the contentions made, with appropriate citations
to authorities and to the record.” T.R.A.P. 38(1)(i). As set out below, the rules
regarding how and when an appellant must act in setting a supersedeas bond are
straightforward.

1. T.R.A.P. 24.2. It is likely that Appellant’s failure to cite to the appellate
rules is not by accident. Texas Rule of Appellate Procedure 24.2 is very clear. It
provides in part
, (2) For recovery of property. When the judgment is for the recovery of an interest in real or personal property, the trial court will determine the type of security that the judgment debtor must post. The amount of security must be at least:
(A) the value of the property interest’s rent or revenue, if the property interest is real...

See, T.R.A.P. 24.2(2)(A). There has been no effort on the part of Appellant to
comply with T.R.A.P. 24.1 or 24.2 regarding the suspension of enforcement of the
judgment

.

# 4 

# 2. T.R.C.P. 510.13. In addition to the general requirements of T.R.A.P.
24.2 concerning proper bond amounts with respect to recovery of real property,
Texas Rule of Civil Procedure 510.13 specifically addresses bond requirements
following an eviction appeal in county court. Rule 510.13 provides in part,

...The judgment of the county court may not be stayed unless within 10 days from the judgment the appellant files a supersedeas bond in an amount set by the county court pursuant to Section 24.007 of the Texas Property Code.

Tex. R. Civ. P. 510.13.
Appellant made no effort to set a hearing to determine a supersedeas bond
after judgment was rendered by the county court. All that Appellant did was file a
surety bond (the surety being the wife of Mr. Rady) in the amount of five hundred

dollars. Fannie Mae is opposed to Ms. Rady serving as surety, and Fannie Mae is
opposed to a bond amount of only $500.00 on Property valued at $123,371.70

(Appendix B

– substitute trustee’s deed). Appellant cannot simply lay beyond the
log and fail to set a proper hearing on the amount of a bond and then proceed to
file an improper and inadequate surety bond.

3. Texas Property Code §24.007. Texas Property Code Section 24.007

echo’s Texas Rule of Civil Procedure 510.13 in providing a clear cut mechanism to
supersede a county court judgment in an eviction suit. Section 24.007 provides,
(a) A judgment of a county court in an eviction suit may not under any circumstances be stayed pending appeal unless, within 10 days of the signing of the judgment, the appellant files a

# 5 

# supersedeas bond in an amount set by the county court. In setting the supersedeas bond the county court shall provide protection for the appellee to the same extent as in any other appeal, taking into consideration the value of rents likely to accrue during appeal, damages which may occur as a result of the stay during appeal, and other damages or amounts as the court may deem appropriate.

Tex. Prop. Code §24.007 (emp. added).
Again, Appellant made no effort to comply with Texas Property Code
§24.007 in having the County Court determine the proper amount of bond to be set
in this case. It is highly likely that Appellant did not request the county court to
evaluate the proper amount of bond as this specific County Court, along with many
other Central Texas courts, typically sets a supersedeas bond at an amount that
closely approximates what the borrower’s mortgage payment would be (under the

theory that a mortgage payment amount would be in the same ballpark as rental
income a borrower would charge a would

-be tenant for the property)

. Herein, the deed of trust (Appendix G) reflects Acevedo’s loan amount, pre

foreclosure, to have been $151,450.00. Debt service on $151,450.00 is
approximately $900.00 a month (six dollars per thousand financed

– assuming

interest rate of 6%). In addition to debt service, a rental rate also typically covers

payment of taxes and insurance. At a 2.8 percent annual tax rate, the property
taxes on a $151,000.00 property would approximate $4250.00 a year ($354.00 a

month). Insurance on that value of a property would also typically run about
$1500.00 a year ($125.00 a month). Give the forgoing numbers, derived from the

# 6 

# deed of trust and county records capable of judicial notice, the County Court would
have likely concluded that $1,379.00 is a proper monthly bond amount to stay
execution of the underlying judgment. The average eviction appeal currently takes
about eight months to resolve on appeal before the Third Court of Appeals. As

such, the County Court would have likely either allowed Appella nt to pay
$1,379.00 a month during the pendency of appeal, or the court would have set one
cash bond in the amount of $11,032.00 ($1,379.00 x 8 month appeal).

4. T.R.A.P. 24.4

. The County Court did not error in determining that
Appellant failed to timely request a bond be set within ten days after judgment. As
no bond was set, the County Court was correct in determining that it was without

power to stay the execution of the judgment as Texas Property Code 24.007 and
Texas Rule of Civil Procedure 510.13 specifically prohibit the County Court from
staying the judgment. Appellant’s request for extraordinary relief from this Court
, on appeal
, should be denied. Appellant failed to f ollow the express rules regarding
supersedeas bonds and Appellant should not be allowed to continue to benefit
(residing in the Property without cost) from his failure to follow those rules.
To the extent this Court wishes to exercise the latitude granted it under

Texas Rule of Appellate Procedure 24.2(b), Fannie Mae would request an

additional cash bond in the amount $11,032.00 be required of Appellant to be

deposited with the trial court clerk pursuant to T.R.A.P. 24.2(e). In the alternative,

# 7 

# Fannie Mae requests that Appellant be required to post a monthly cash bond in the
amount of $1,379.00, during the pendency of this appeal (with payment of April

and May 2015 amounts due by May 15, 2015) and monthly regular monthly
payments due thereafter with the monthly payment for June 2015 to be paid into

the registry of the trial court by June 1, 2015.

CONCLUSION
For the foregoing reasons, Appellee, Federal National Mortgage Company
, respectfully requests that this Honorable Court deny Appellant’s request for
extraordinary relief. In the alternative, Appellee requests a cash bond in the
amount of $11,032.00, or a monthly cash bond in the amount of $1,379.00 (with

back payments for April and May due immediately) be deposited in the registry of

the trial court. Appellee also requests any other relief to which it may be entitled.

Respectfully submitted,
Hopkins & Williams, PLLC 12117 Bee Caves Rd., Suite 260 Austin, Texas 78738 (512) 600

-4320

– Telephone (512) 600

-4326

– Facsimile mark@hopkinswilliams.com

By: /s/ Mark D. Hopkins Mark D. Hopkins Texas State Bar No. 00793975

ATTORNEYS FOR APPELLEE

# 8 

# CERTIFICATE OF SERVICE
I hereby certify that the Response of Federal National Mortgage Association to “Plaintiff’s Original Petition and Application for Emergency Temporary Restraining Order” for Cause No. 03

- 15

-00215

-CV has been forwarded to the following via certified mail, return receipt requested and regular U.S. mail on this 6th day of May 2015:

Via regular U.S. mail and CM/RRR# 7012 1640 0001 7114 6418 James G. Minerve 115 Saddle Blanket Trail Buda, Texas 78610

ATTORNEYS FOR 

# APPELLANT



# /s/ Mark D. Hopkins Mark D. Hopkins

# 9 

# APPENDIX

Exhibit “A” : Final Judgment dated April 2, 2015

Exhibit “B” : Substitute Trustee’s Deed dated Aril 5, 2011

Exhibit “C” : Notice of Appeal dated April 9, 2015

Exhibit “D” : Surety Bond dated April 9, 2015

Exhibit “E” : Correspondence to the clerk and court reporter

Exhibit “F” : Deed Without Warranty dated April 4, 2011

Exhibit “G” : Deed of Trust dated October 30, 2003

# Exhibit 

# ''A''

Final Judgment dated Apri12, 2015

# CAUSE NO.**C~l-CV-15..000869**


# FEDERAL NATIONAL MORTGAGE ASSOCIATION AlfK/A FANNIE MAE, P/Qintiff,



# v.

LENNY ACEVEDO AND ALL OTHER OCCUPANTS OF 1108 FOX SPARROW COVE, PFLUGERVILLE, TEXAS 78660


# Defendant(s). 

# § § § 

# § § § § 

# § 

# § § § 

# §**JUDG~ENT** 

# TRAVIS COUNTY, TEXAS

Plaintiff, Federal National Mortgage Association a/k/a Fannie Mae ("Plaintiff'). appeared
through its attorney of record. Defendants, Lenny Acevedo ("Defendant") and all other

occupants of ll

# 08 Fox Sparrow Cove, Pflugerville, Texas 78660, appeared through counsel. The

Court, having reviewed the pleadings and considered the testimony, exhibits and 

# all other

relevant evidence, is ofthe opinion that Plaintiffis entitled to the 

# relief sought.

IT IS ORDERED that Plaintiff is entitled to possession of the premises described in

Plaintiff's Original Petition for Forcible Detainer, and have restitution, for which 

# let writ issue, of

the premises commonly known as 1108 Fox Sparrow Cove, Pflugerville, Texas 78660, and



# legally described, as:

LOT 1, BLOCK C, KUEMPEL TRACT PHASE 3, SECTION FIVE, AN ADDITION IN TRAVIS COUNTY, TEXAS, ACCORDING TO THE PLAT 

# OF RECORD IN VOLUME 2002, PAGE 318, TRAVIS COUNTY, TEXAS.

IT IS FURTHER ORDERED that 

# Plaintiff have and recover from Defendants

reasonable attorney's fees at the trial court level in the amount of $1,000.00, which may be



# collected from the bond posted by 

# defendant, if any, payable immediately by the Clerk of the

Court upon presentation of this order, together with 

# reasonable attorney's fees if the case is

JUDGMENT H609·15/ Acevedo 

### Page 1



# ---------------------------------------

# unsuccessfully appealed 

# to the 

# Courts of Appeal in the amount of $2,000.00, reasonable

attorney's 

# fees if the case is unsuccessfully appealed on 

# writ of error to 

# the Supreme Court 

# of

Texas 

# in the amount of $3,500.00, 

# and 

# if writ is granted by 

# the Supreme Court but the appeal is



# unsuccessful, reasonable attorney fees in the amount of $2,500.00.



# IT IS FURTHER ORDERED that 

# plaintiff recover from the Defendant(s) cost-, of

court, for which let execution issue.

ALL RELIEF NOT EXPRESSLY GRANTED HEREIN IS DENIED.

SIGNED 

# this

# Mday of¥--'2015.



# ______ ,\



# SUBMITTED BY:



# Coury M. Jacocks State Bar No. 24014306 15000 Surveyor Blvd., Suite 100 

# Addison, Texas 75001 972-340-7961 (Phone) 972-341-0734 (Fax) 

# Email:**~l_!r_yj@l?d!grQ_!!P-.C9ll).** 

# ATTORNEY FOR PLAINTIFF

JUDGMENT H609·1S/ Acevedo Page2

# Exhibit 

# ''B''

Substitute Trustee's Deed dated AprilS, 2011**~** 

# \)) TRY 

# 2011052994

:i':PGS



### NOTICE OF CONFIDENTIAUTY RIGHTS: IF YOU ARE A NATURAL PERSON, YOU MAY 

### REMOVE OR STRIKE ANY OR ALL OF THE FOLLOWING INFORMATION FROM ANY INSTRUMENT THAT TRANSFERS AN INTEREST IN REAL PROPERTY BEFORE IT IS FILED FOR RECORD IN THE PUBLIC RECORDS: YOUR SOCIAL SECURITY NUMBER OR YOUR DRIVER'S LICENSE NUMBER.

1108 .FOXSPABJWW COVE PFUJGERVIU.Il. 

## rx 78&60 S0919lOZ 201100314016"66 

### SUBSTITUTE TRUSTEE'S DEED

GRANIOR(S}:

l.ENNY ACEVEDO

ORIGINAL MOJU'GAGEE:

MORluAGEELBCI'RONICIIEGIS1RATION SYSTEMS, INC. ("MERS'), AS NOMIN'EE



### CURR.BN't MOlHGAGEE:

BAC HOME LOANS st!RVICING, L:P, PitA COUNTRYWIDE HOME LOANS SERVICING lP MORTGAGE SEII,VICER: 'IIACHOMELOANSSEaVICING,LP

RECORD£0 IN:

O.EJ\K'S F'lUi NO 2003260223 PROPERlY COUNTYILEGAL DESCJUPTION: TRAVIS DEED OF TRUSI DATE: October 30, 2003 DATE OF SALE OF PROPERTY: Apn1 S, 2011

TlMEOFSALE:

__ 

# lLIL_@JPM

PlACE OF SALE OF PROP£RIY:

'!HE lUlAR "SAI.lYi'ORT" OF l1lB 11\A VIS COUNTY COURTHOUSS 1000 GUADALUPE S'I'REET, AUSTIN, TEXAS 18701, 0A 1HE PLACBDES!ONATED SYTHE COUNTY COMMISSIONERS COURT GRANTEBIBUYER:

FEDEAAL NATIONAl. MORrGAGE ASSOCIATION, AJKIA FANNIE MAE GRANTEE/BUYER'S MAILING ADDRESS:

14221 !lAI.LASPIIRKWAY,#IOO PALLAS
, TX 15254

AMOUNT OF SALE: S

## .ft.:-~?JL

# ... !Q_.

L01 1. BLOCK C. KUEMPEL TRACt PHASI! 3, SECTION FlVE. AN ADOI110N lN TRAVIS COL!NIY, l'l::XAS, ACCORDING TO lHEPLAT Of RECORD IN VOLUME 2002, PAG£318, 'TRAVIS COUNlY, TEXAS. Om110t oonveye4 tbe pn>pert)l to Trustee In trust to ......, poymeot ct !be Notr: Mmtgagoc. tbrough tile 'Mortgage s.,.;..,., doclll!ed that Grantot ddimltod in pedonning tho obligal:ioDs of tho Deed of 1'nlst. Cumtnt Monpgcc of tho Notr:, through tho Mortgage Servic:er, """l<lldingl)',...appoinlodSubs!iM<>**Tmste<:and~11l:Slc4Subst!lutoT...-to-lbelnlst** . . Noli<cs stallllg tho 1iate, place IJ1d terms ct salo ct the )>10pQ'ty wore mailod, po!tellll!ld Jnod,

... mquiled by law. Subslitu!O**TniSt~** sold !he JlR>PCliY 11> BuyC', who

- tile hlgbost bidder at the publk auetlon, fbr amount of s.lo in tho**m&~~~~er** p,...,.;bcd by law. 'Ole su!Uocl tale wos condllclcd 110 eerli« than l.l!J!IlAM 85 set fl>tlll in lho NOlie< of Subslitulo Trume's Sale IJ1d was CQllcluded within tm.e (!)hours ct$llob time. All"''"""'· dutie> .,dobligations ofMortgagte wore lawfully

### l"'Jfom>od. Sub$11111!0 l'rus!ee, subjo<t to any mauets ot 

### =d. end fbr amo\lllt of sale paid by buy<r 

### as e<m>ldenWon, JIUOl!S, sells and oonveyo to Buyer, Buyer's heirt, exeeu1ot>..**~** ,.......,..,. ot assigm tb!ever, tile ptt>perty 

### "'S>'ther with an light< and**~** belongiDg to <lnmtor. Substilure Trusttc betoby sells 1luo >hove refet=:ed property AS IS wirlH>ut any 

# -sed

or implied Vo'ltrulties, cxocpt 8$ to ........mies o! title, and henby conveys the proporty 11> tl>o**p~** ar tile**~** OWII ri$1(,**p~~n..ru** to 1bo tonns of 

# :...--:::::=

.......**~~~~-** Substitute Tluslee Sf

ATE OF TEXAS COUNTY OF WILUAMSON

REIURNTO: BARRmDAFFIN FRAPPIER TUR.'illR & ENGEL, L.L P 15000 SI>IVoyorBoulevard, Suite 100 

### Addison. 

### r

..... 7SOOI

SobstitureTrustet'•llecd**(~sl) SubT~C61Ioll'-IP'·C06'04a009)/Vot-19**  Printed N!nne ofNot;ay Publio

# IIIIBIImiiiiiiiiiUmiMIIIIDIDmlll~l~I~IIIW~m~ll STD20110031401606



# ·-1108 FOX SPARROW COVE PFLUGERVILLE, 'IX 78660 

### STATEMENT OF FACTS

BDFTENo: 20110031401666

BEFORE ME. the undersigned authority on this dey petSonally appeared David Mulkay, known to me, who upon oa!h administered by me deposed and 

### stated:

L I am a representative of the law fum BARRETT DAffiN PRA.PPIE!t TURl'lER & ENGEL, LLP in connection with the administralion offoreclozurc of !hat certain Deed ofTnlst or Security Jnstnmlent (''Deed ofTrust") dated 

### Oclobcr 30,2003, reoorded In CLERK'S PILE NO. 2003260223, Real 

### Property Records, TRAvtS Cotlllty, TEXAS, executed by LENNY ACEVEDO ("Grantor").

2 [ am making this affidavit based upon certain re<:ords maintained within the fum's files in 1be regular course 

### of its business, wbich may include images of notices, certified mail ionns, the signed Sub3tilute 'Trustee's Deed, title searches, and otber documents 

### and rc<:ords obtained and nlltinm!ned in the usual cour.;e ofbusiness. Togetber with my general knowledge ofmortgage servicer practices for referring foreclos11110 matters to the imn, the statement$ and intbrmation shown in these teCOrdS tbrm tbc basis for the following statements made in this affidavit, which. 

### to the best ofmy knowledge and beliefare true

SAC HOME LOANS SERVICING, LP is the Mortgage Servicer for the Lender or i1s Nominee conceroing: the debt evidenced by the Deed ofTrust.

The Mortgagee, through the Mortgage Servicer declared that the Chanter defaulted in perfonning the obngations ofthe Deed ofTnlst and lawfully perlbuned service ofa proper notice ofdefault and other obligations and duties ofthe Mortgage Servieer.

All notices ofacceler.allon W10te served on each debtor obligated on the debt aceording to records obtained from the Mortgage Servicer by ceni"Jicd mail at the last known address ofeach sucb debtor in accordance with Jaw. Based upon these records, each mortgagor 

### was alive at the time of the foreclosure sale or if deceased, title was restored to the debt owner tbrough a court judgment, or an**und~ter's** approval letter obtained.

6. At the lnstructions and on behalf of the Mortg;lgll Servicer, Notices stating the time, place and terms of sale ofthe property were mailed, posted and filed in accordance with 

### Jaw Notices were served on each debtor oblig;rted on !he debt according to records obtained from the**Mo~** Servicer 

### by certified mail at the last known address 

### of each such debtor at least twenty one (21) days betbre the dale oftlte sale.

1. !brollgb 

### my work at the finn, 

### r lalow that the finn fuUows a regular process in fum:losme matter$ to ascertain a GraQtor's military service strros for· purposes ofthe fedora! Service Member's Civil Relief Act and state law. 1 am familiar with tbis regular process, which involves submitting Grantors• names and lclentit)ting inful'llllltion obtained from the Mortgage Servicer or comrneroially available records 

### swches to the iMeral Defense Manpower Data Center (uDMDC") through that agency's offielal internet search site (the "DMDC Site). Based upon my review of search returns obtained and maintained in the firm's files, no G:rantor is reported as on active duty militl>ly service or liS having condu<led active duty mil\taly service 

### within the preceding 

### nine >nQnthll.

STAIEOF TEXAS COUNTY OF DALLAS

# c~~-----·-·····- APR 0 

## &2011
Gii!CII 

### under my hand and seal ofoffice

### rhi~ -----· day of ·-----------·-·--· , Notazy Seal:

Al'F!J:>AVIT· 1444 RETURN TO: BARRETT DAFFIN FRAPPIER 11JRNER. & ENGEL, U.P J5000 Surveyor Boulevard, Suite l00 Addison, Texas ?SOOI

All'"ld.ovit·ll•o:hl'Mt.**~** • (12JJ0/2010]/V<r·l7 

# FILED AND RECORDED

# ;}~

• 4 20

### u n:34 

### An 

# 2011052994 Apr- • • !!ERNSTA: $20,.00

·,. county ct.,-1< onna l)cB:eauvoJ. 1 TraY iS eounty TEXAS



# llllllllmllOOUII**~WIIIII~IIII~Imlllllllllll~llllll~lm~ II~~~** **~I**

# liD

STA2011003!401666

Pa;e I45S ofl720

# Exhibit 

# ''C''

Notice ofAppeal dated April 9, 2015

# CAUSE NO. C-1-CV-15-000869

FEDERAL NATIONAL MORTGAGE § 

# ASSOCIATON A/KIA 

# FANNIE MAE 

# § Plaintiff 

# § §


# v. 

# § § 

# LENNY 

# ACEVEDO and ALL § 

# OCCUPANTS OF 1108 

# FOX SPARROW 

# § COVE, PFLUGERVILLE, TEXAS 78660 

# § Defendants. § 

# IN THE COUNTY COURT

AT LAW N0.2



# TRAVIS COUNTY, TEXAS

NOTICE OF APPEAL

Lenny Acevedo notices this Court of his Notice of Appeal to the 3rd 

# Court of Appeals,



# from the Judgment issued on April 2 1 

# entered in 

# the clerk's record on April 6, 2015.

Respectfully submitted,

CERTIFlCATE OF SERVICE



# I, the undersigned, hereby certify that a true 

# and ·correct copy of

# the Notice of

# Appeal was 

# sent on April9, 

# 2015 by U.S. Postal Service 

# to:



# Mark D. Hopkins HOPKINS & 

# WILLIAMS, PLLC 

# 12117 Bee Caves Rd., Suite 

# 260 Austin, Texas 78738

# Exhibit ''D'' Surety Bond dated April 9, 2015

# CAUSE 

# NO. C-l-CV-15..000869

FEDERAL NATIONAL MORTGAGE § 

# ASSOCIATION A/KIA FANNIE MAE § Plaintiff 

# § 

# §

v. § 

# § 

# LENNY ACEVEDO and 

# ALL § 

# OCCUPANTS OF 1108 FOX SPARROW § 

# COVE, PFLUGERVILLE, TEXAS 

# 78660 § Defendants. 

# §



# KNOW ALL MEN BY THESE PRESENT, IN THE COUNTY COURT

ATLAWNO.l



# TRAVIS COUNTY, TEXAS



# THAT, WHEREAS, judgment was rendered on the 2ndt day ofApril, 2015, in the

County Court ofLaw #2 of Travis County and State 

# of Texas, 

# in favor of Federal

National Mortgage Association 

# and against Lenny Acevedo and 

# all other
Occupants in 

# Cause No. C-1-CV-15-000869 

# for possession, from which judgment the

said, Lenny Acev edo desires to appeal to the 3rd Court of Appeals**~t** 

# Austin,

Texas.



# NOW THEREFORE,· I, the 

# said appellant Lenny Acevedo, as principal, 

# and

..$lcihMc 

# Mr.iy and 

# Ctn'l,ktmo 

# &wyt/ as Sureties, acknowledge 

# ourselves bound to

·pay to the Appellee Federal National Mortgage Association, the sum of $500.00,

conditioned. that said appellB!lt shall prosecute his appeal to 

# effect, and shall pay

offand satisfy thejudgment which may be rendered against him on said appeal.

Witness our hands this 

# qrl\ day ofApril9, 2015

# ~~-~ Le ACeVedo Principal

# Surety

The State ofTexas } }SS County ofTravis }



# AFFIDAVIT OF SURETY

# l,~kf , do swear that I 

# am worth, in my 

# own right, at least the sum 

# of
$500.00, after deducting from my property 

# al1 that which is exempt by the

Constitution and Laws of the State from forced sale, and after the payment of all

my debts, and after satisfying all encumbrances upon my property which are

known to me; that I reside in Jf<AJ', c:.., 

# County and have property in 

# this State

liable to execution worth said amount or more.

' j



# SWORN TO AND SUBSCRIBED BEFORE ME this

# ,~ day ofAprilj_, 2015

# otary Public of

# the State of

# Texas 

# The State of

# Texas

County of

# Travis } }SS 

# }



# AFFIDAVIT OF SURETY

I, 

# C,: ·\lgw.z

# ~4 do swear that 

# I 

# am worth, 

# in my own 

# right, at least the 

# sum of

$500.00, after 

# deducting from my 

# property all that which 

# is exempt by 

# the

Constitution 

# and Laws of the State 

# from forced 

# salef and after the 

# payment of all



# my debts, and after satisfying all encumbrances upon 

# my property which are



# known to 

# me; that I am a 

# property 

# owner in 

# 7fl.Av',**~** 

# County 

# and have

property 

# in this State 

# liable to execution worth said amount or more.

•

## ~fl. • 0 

# tl, 

# SWORN TO AND SUBSCRIBED BEFORE ME thts _-,_day of

# Apnl 

# L, 2015.

ktVIU tllRWIRfH kotarv PUblic, 

## Sfote Of 

## texas

Mv

## C:omm!Uion bPlret



## October 21. 

# 20n

_/ 

# I hereby approve the foregoing Bond, this

_ 

# day ofApril, 

# 2015

County 

# Clerk

### ACCTNOI **•9225



## PAI ISO AUSTIN TX 000000006668 TX48036 

## Mar 31 ® 

### 1:29pm 

## ·'surcharge 2

. oo MARll ATM TXN FEE 

### MAA31 ATM•Wl'l'ID>RAWAiik..\i· 

## PAl ISO AUSTIN TX l. 

## so**-;·1,%~;~1.ti''~02** 

# .oo

·& 

### 000000006169;;.'rX48036 

## Mar 31 ®'*1'i**29l!)llt:~:<'"i¥c'** 

### ·**>'•>~:"'I·'"'"·** 

## ·

Surcharge 2.00 ·'MAR31·.' ATM**'Tl!Nc~FBB<):(<\#¥-tz;** 

## MAR308 DEBIT PURCHASE**'·~~·~~~t!i~¥;u:"-** 

## ...**:,1.~:so** 

## ·, 8.65 

## ,-...v'{j<>••!Jit74l> ·· -!tSXAOO ·**03591~8.~.Q6'l,:Pll'tlUGERVIDLE·•TX·.·** 

### •·: <**~~i~. :¥!;~**  '"" 

## # 508900028974 12345678 

## Mar 30**<ilo!AR31~00I-'l'•1'URCHASE** 

### ··· f**~~~Y~·**

### ..**~** 

### •>'/ ,,.·<;., ; 

### ·-A 

### VZWRLSS•lVR VN 

## 800·922·0204 NJ



### · S0900002897S · 1234$678 

### 'Mar '31 · 

## MAR3l CHARGE FSE • PAPER STATEMENT I?EE



## Cleared Share Draft Recap .2.25

Alllolmt 

### .'Draft'# 

## Dattf • '!;W-";,.<sAfliO\Uit.• Draft 

### lt ··Date 1.1.775.95 

### 3.15'73. 95

.



### iHS!72\ 

### 46••,i.:i,\:· 

### 11563.80

11242.06**1.1:2.3~.1ll**



### Alnount



### •US9 1160 

### 1161 

### •1Ui3 .,,,, "MAft11"'"':' 

## MAR

## OS ·MAtt12· 

### MAttl3 

### ·.98.04 

### .•u6s#:;N**:MA~U:e·,-;;;·** 

### lSS.l.2 •U67 MARlS



### · 350.00 1168 

### MAlUS>

100.65 •ll93 MAR1.S**\>;'1,90~0.0<,** 

### •1194 505.00 1195

.**··~500.00.** 

### 1196 45.00 

### 1197**~** 

### •<cc.• 

### 'MAft2 3 MAR.23 

### MAA30 ' " 

## MAR30 ?8.84 

## 3000.00 1500.00 1900.00 

# 1-------------------------------------------------------------------l

• 1

### _,_y,;>**;;;;;;.iW.\:~to~·\lNfor··** 

### ,,,,,.-, 'l'otal · 1



# I l this period 

# I year-to-date 

# I
t**Jlloltf4111•:-'1oi,~<!P -"'!:...-~**  ..**~~** ..... ..;.,_

....._.:;. 

## .,<

...............**-,...~** 

## .... ...**~:.;'.,.****'~"'J.'4:1,..,4:;.-p-~t.-,..''*~"** ...**4""';~,~--:loo** 

### , ......**'\¥*~"'**

# ...........**~->i!'".O....:i'!~/~**

### .. t 

# I Total Overdraft 

## Fees .•..•.•...•.•..• 

# I o. oo 

# I o. oo 

# I ·1-'l'otal Returned Item ·Pees "• •..•.,;.;. • .j 

# ·.'·>o.ool >· ..,.,. 

### O;OOI 

# 1-----------------------------------·------------------------·------l 

# ···-······-------------SUMMARY---------··------------

Previous Balance as of 01 MARlS .....•

Total of 12 Share Drafts for

........ , Total of 120**-Othe~** 

### .J;>ebi-ts 

### for ••.•••••**;~.** 

## Total of 18 Deposits 

## for

............ . 

## Total of 2 Othe-r tCl'edi

## te for

.

# -:'7

...... •
Ending Balance as of 

## n MAR**.-1~** 

### ... . :

....

continued on page 12 /;,'

## .,~,~0 "-·,;ti,·

.. ·.. , ... ,



### 8422.65

-



### . '9461-i-54'

-



### 1493.50

.. 

## \,,,-M--0.3 

# :eot .•

1123!1.81


# -c&ttiNDER**~lnsutedbyNCUA**

# Lenny Acevedo 1108 Fox Sparrow Pflugerville, Texas 78660 April
_, 2015

Dana DeBeauvoir Travis County Clerk Travis County Courthouse 1000 Guadalupe Street Austin, Texas 78701-2328



# RE: Federal National Mortgage v. Lenny Acevedo, Cause No. C-1-CV-15-000869

Dear Ms. DeBeauvoir:

This is to notice you that on this day I 

# have appealed the Order issued in the County

# CourtatLaw#2on~b 

# z 1 

# UlL

.
I request a copy of the clerk's record in the above styled case, in its entirety to be sent to the 3rd 

# Court ofAppeals in 

# conjunction with this appeal.

I 

# am including my Affidavit ofInability to Pay for the record costs.
Sincerely,

# Exhibit 

# ''E''
Correspondence to the clerk and court reporter

# Lenny Acevedo 1108 Fox Sparrow Pflugerville, Texas 78660 April_, 2015

Amanda Anderson Court Reporter Travis County Courthouse 1000 Guadalupe Street, Room 211 Austin, Texas 78701-2328

RE: 

# Federal National Mortgage v. Lenny Acevedo, 

# Cause No. C-1-CV-15-000869

Dear .Ms. Anderson:

This is to notice you that on ·s day I have appealed the Order issued in the County Court at Law**#~on** 

# ·**~** 

# \

I request a copy ofthe reporter's record in the above styled case, in its entirety to be sent to the 3rd Court ofAppeals in conjunction with this appeal.

I am including my Affidavit ofInability to Pay for the record costs.
Sincerely,

# Lenny Acevedo 1108 Fox Sparrow Pflugerville, Texas 78660 April
_, 2015

Dana DeBeauvoir Travis County Clerk Travis County Courthouse 1000 Guadalupe Street Austin, Texas 78701-2328

RE: Federal National Mortgage v. Lenny Acevedo, 

# Cause No. C-1-CV-15-000869

Dear Ms. DeBeauvoir:

This is to notice you that on this day I have appealed the Order issued in the County CourtatLaw#2on;:rb 

# z 1 

# UlL ·

I request a copy ofthe clerk's record in the above styled case, in its entirety to be sent to the 3rd Court ofAppeals in conjunction with this appeal.

I am including my Affidavit ofInability to Pay for the record costs.
Sincerely,

# Exhibit 

# ''F''

Deed Without Warranty dated April4, 2011

# Deed Without Warranty

Date:

Grantor: Leonard Acevedo

Grantor's Mailing Address: 1108 Fox Sparrow Cv.,**Pflugervill~** 

# TX 78660

Grantee: John R.ady

Grantee's Mailing Address: 13276 N. HWY 183 #204 Austin, TX 78750

Consideration:

Ten and no/100 Dollars ($10.00) and other good and valuable considerations the receipt of which is hereby acknowledged.

Property: (including any improvements): 11307 Lake Dr. Austin, TX 

# 78748
Legal Description: LOT 1, BLOCK C, KUEMPEL TRACT PHASE 3, SECTION FIVE, AN ADDITION IN TRAVIS COUNTY, TEXAS, ACCORDING TO THE PLAT OF RECORD IN VOLUME 2002, PAGE 318, TRAVIS COUNTY, TEXAS

Reservations of Conveyance:

NONE
Exceptions to Conveyance:
Subject to the easement<;, assessments, restrictions, mineral interest'l, covenants and conditions ofrecord against the herein before described Property if, 

# any.

Transfer of Rights:

Grantor, for the Consideration mentioned above and subject to the Reservations and Exceptions mentioned above, grants, sells, and conveys to Grantee the above described Property, together with all and singular any rights and appurtenances thereto in any way belonging, which Grantor has 

# had or may have had since the beginning oftime and forever to have and to 

# hold to Grantee and Grantee's heirs,
successors, and assigns forever, without express or implied warranty including warranties under



# common law as well 

# as those stated in section 5.023 ofthe 

# Texas Property Code (or its successor) are excluded.



# This conveyance is intended to include any property interests obtained by after-acquired title.

13**.-------------------~------~---** 

### ·-



# This conveyance is intended to include any propertv interests obtained by after-acquired title.



# When the context requires, the singular nouns and pronouns include the plural.

THE STATE OF TEXAS

COUNTY OF WILLIAMSON



# This instrument was acknowledged before me on the 4th day of

# Am:il, 2011 by Leonard Acevedo known to me to be the person whose name is subscribed to the foregoing instrument and acknowledged to me 

# that he executed the same for the purposes and consideration therein expressed.

/ 7

# ~' 

# !/**~------** 

# .·



# . ----:ifv.,'**-~~-** 

# --**/~9'¥ARY** PUBLIC OF THE STATE OF TEXAS



# 14 

# e KEVIN BIERWIRTH NOTARY PUBLIC

State o1 

### Texas 

### Comm. Exp. 0913012013



# AFTER RECORDING RETURN TO: John Rady 13276 Research Blvd #204 Austin, TX 78750

# Exhibit 

# ''G''

Deed of Trust dated October 30, 2003

### __________tspa<o,..._Tlllii.Inol!'..--JIOolal----------

03-lll5275 IBsero,./Clo#l.n!l tl**0006~5978928lOaOJ** !Doe l1> IJ


# DEED OF TRUST**~l000l57-0003l41354-1**



### DBPINITIONS

WOU!o USC<! in multiple 

### sec:tiOZJS of lllis doc;nmentaxe dcimed below 

### m4 other words am defined in Section:s 3, II, 13, 18, 20 and 21. Cettaln l'llles rcgateliag !be usage 

### at**word.~** 11300 in this document are also proYided ill Seclioa ](j,
(A)"Sec:nrilylnstnmllmt"meanstltisdocllmcnt.wflicbisdalcd octOB&R JD, 2003 ,cogetberwith


### an**Rider.~** 

### ro !Ids clooomeot. (B) 

### "Borro\ftl"' is
LEm."Y l!.CEW:OO, A SINGLE PERSON



### Borrower Is lite 

### gmntor 

### Ullder !lli1; 

### Security ln:luumcnt. (C) 

### "Lender''**~\** AMERlCA' S 1'/llO:t.ES.lU.E I.BNDER l.aldeo'is 

### a CORl?OAATrON OQI&IIiud OIJd OJ<isf.ii,g: under 11lc IBW$ of m:if YO!'$ • Lender'slllll1r= i$**~.o.** 

### Sox 660694, Dallas, TX 75266-0694 Lender iocludcs any 

### hol<!et oftho 

### N<Jle 

### w!lo l$ 

### entitled to 

### recc.ive paymenwunder**~Note.** {.l>) 

### ''Trustee" i.s CTC**~** ESTATE SERVIC&S 

### Trustee's**~is** 

### 400 COUNTRYWIDE**WA~, MS~**  

### SV-88, SIMI**V~LEY,** 

### CA 33065
, . (E) 

### "MERS" i$ Mortgage**Electronic~ Syslcm.~.**  

### Tnc. 

### MmS is 

### a 

### 8eflOOIIe rorpomdonlluu 

### i3 acling 

### solely as a no•lrlnoe ror Lender and Lt,nde;t's successms and assigns. MERS 

### is a 

## bellldiclllr7 under Uris 

### Sceutity**~t.** 

### MERS is Q1&8!1izcd and 

### aL'11ing uudec lhe 

### laws of 

### Delaware, mtd bas an**~** and telepllone numberOCP.O. BOlt 20:26, Flint, MI48501-2026,**~l.** (388) 6'/9-MERS.

lE:XJISoSno"' Family.f'trnllle M-'l'roddle Mae UNIFOI!M INS'IRUMI9ll' WITH I\IBIS**~1ol12** 0&,-«A(JX)!0005).01 CHt. (12101)(dj VMPMOI!TBAGEFORMs ·(80Q)S11-729t COWNA 

# ..,,_,_!;jt.

Fonn 3044 1101 

# I**92811110110t1Hl~A·**



## Austin Data Inc. TH ADI11909 TR 2003260223.001 

# 47 

# 47

### DOC**~0** f:**0000~597892910003** (F) "Note" fll'"...!lll8 1he promi&SOI)' note signed by Bouower and 

### daled OCTOBER 30, 2003
, The 

### Note Rlates 

### that 

### 'Bormwet Owe!

### Lmdet ONE: RlJND.REtl**F~F7ll** ami THOUSAND FOUR BONDREO f'lnY IU'Id 00/100

Dollln(U.S. $ 151,**~50.** 00 ) plus interest. 

### ll<m'<>wet bas 

### promiBed to 

### pay this debt in**~<:gular** 

### Periodic Paymenl8 an4 to pay the: debt 

### in lUII**J'lo~** later 

### tbao NOVEMBER 0 l
, 2 03 3 {G)**"Property"~** 

### the propertY 

### !bat 

### is**~rilx:d** 

### below under !he**beudin~** 

### "Transfer of R.lgbl' 

# m !he: Prop<'lly; (B) "Lrum" lllCfiiiS!he 

### debt Bvidenood 

### by the NOta.**pi~~>~** iuterest. any prepayment cl!atgell 

### and lare**c~** due**under~~~~** Note, 

### ami aU l!lllliS due 

### onder Ibis Sccl>rity Instnnnen1, pb>$1ntQe&!. (,l} 

### "ltidets" 

### meam**~ ~**  10 

### 1bis 

### Sllalri-cy**~t** 

### that li!C**~led** by 

### 'Borrower. The fol!Qwing Rid= 

### are to be execuled by B1JI10IVCt [check box 

### as applicable]: 

# GiJ Adjuslablc 

### !tate Ride!: 

# §

Condomlniom Rider 

# §**Sccm~\1.** Home 

### Rider 

# 0 BaliOOil Rider Planned Unit Development Rldet 1-4 Family Rider 

## D VA RR!ct Biwccldy Pa}'l1l"ttt Ride;

. Otl1eo-(s)[specify)

(J) 

### "Applicable Law" 

### means ai.J 

### COIIttollinB: appliOOJ!c li:deml, 

### SI8IC BDd local**~** teplalions, Old.ituwces IIQd adminislradvc rules 

### and orders (lhaf. bay., the efteel of law) "" well JIS all applicable final, DDJioappealabJejOOlcja] oplniODB, (K) "Colmnnn!ty 

### Assodatioa Dues, .Fees, and**~enls"** DIW18 all dues, ftce,**~** 

### and 

### odlcr chatges lllat ate Imposed on Boorower or tbe Pnlperty by a**~dominillnl ~lion,**  homeowners assoclllli<lll 

### or simi!IU' 

### orx;miz:ali.oo.

. (L) 

### "Eloctrolllic: Fwlds 

### Tnmsrer"**~~leaR$** 

### any ll'ltllsl'er of funds, 

### other lhan 

### a lnlmlB.crloo 

### originated by checl; draft, 

### or similar**paper~.** 

### wflich is Jnitillled 

### lhro"8h liD 

### electronic tetmillal,**~eleph<m!<: in~l,**  COUij)ll\cr, or magnetic tapt so as to order, 

### inmru.CI, or authori2& t> fltQftcial i.nsllttnloo 10 

### debit or etOOit an oocoont. Snclt tl:m1 includes, bot is not limited 10, point-of-sale llBD&l'era, antoma!Dd Idler 

### msochino l1'81:1$actlons,lt808fers iflitia!W by rdcphonc, wire b'IIDsfetll, aud**Jm~DlXlallxl** clcatilJgbouae 

### lm1SfcrB.. (M} 

### "Escrow 

## Items" means Clrosc: 

### itam that 

### are dtscn'bcd 

### in 

### Sectioo 3. (l'Q "MiseEIIaneoos 

### ProcEeds" Jllcans any co.mpe11S31loQ, ""'11lemoll, award of damlq:es, 0<:**~** paid by 

### a:ny third**pa~ty** (olher' 

### than 

### insuranco ptWeed.'l 

### uncles tile «J\'enlgc11 

### dcs<:ribc:d in Secllon 5) 

### tw. (i) damage to, ar**des!ru~on** of, lite l'roperty: (ii) ·on or Dlha laldog of all or any patt ol the 

### Property; {iii) COIIVCyanoe in 

### 6eu <lf 

### conatmuatioo;. r (lv)**misrcp~CBe~Ualiom** 

### Of, or omissions as kl, 

### the 

### vahw and/or 1:0rufllioo oftile li'ropeey. 

### (0) "Mortgage 

### Insuram:e" meaD$ 

### inmn.Jlcc: pro lhoLQan. (P)**·~** J"aymmt" means tbe 

### re8UIIIriY sdled amount 

### due for (i) 

### principal and 

### interest lJ!Idu lhc NO(C, plus (il) ""Y amcmnts 1lOOu Seclion 3 of**lb~** · ln:llnlmcnt (Q) 

### "RES'PA"**~** 

### thri Rr.al &late 

### SealemC&t P**Ac;~** 

### (12 U.S.C. S!;Ction 2601 a 

## seqJ Wid i1s impl=lng regu.la!loo,**~gubniDII** X (74 C.P.R. 3$00), M dley migbt be**a~nc:nd'ed** 

### from**lim~** to lime,

or any add'lllonal or s=r Jcgislallon or "gulu · 

### th.it goyc:an 1be JaiJlC sub,jcc:t maner. ilfJ liSed ill !his Security 

### Jnlllt'tUnent, "RBSPA" 

### '"'fera 10 all 

### rcq1w·rem!Fn1ll 

### and**~1:1\008** lltlll 

### are imposed in regard to 

### a "fcdernlly relata:! ftlOI'Ig>l@C loan" even lf the !.om not qualify as a "fedenllly n:lated IIKl<tpgo**Joan~** 

### Olldcr RESPA. {R.)**"Su~** In 

### mten6t ot**B<>m~wer'' mtm~&**  party that has 

### !!alren title to lhc. 

### Propeny; '11helhcc or not that 

### Jllll'tY hiiJliiSSillllCd:Borrowel's obligations llleNotcand/orlhi&Seo;urity lll811'11tfte1!t.



### TRANSFER OF RIOETS IN 'l'RE 

### PROPERTY The 

### bcndicia;:y of 

### thit Sc:curity I,..U1lmeDt i$ MERS el.y a$ nominee f(l( 

### Lendnr and J..cQda's sucoess:orw 

### and assigns) and !he Sllcce.sliO!ll ll!ld 

### assigng of 

### MER

. This Socurity l'nslnlmenl 

### secure.,- to Lcodcr; 

### (0**th~** ropii)'DlCnt ofthe 

### Lou.. AAd all .renewals.**~lcositms** · modificsti<ms 

### of the Note; and ('ti) 

### lhc**~** of BotroWc:r's covenants 21nd agtt>ements llhdet this ty ln!llrmrltOt and the 

### Note. For !hi$ pmpose. Booower inevocably granmaod**convey~** to 'l'nlstlOe, trnst, with poi"Q' of sale, tile rollowinr dewibcd: property located in 

### the
COONl'¥ of TRA\>lS 

### rr1J>O orR<ooolior .luriodi<lion! (Namo**afR.....!I"l!~ool**

PagaZol,2



## Austin Data Inc. TH ADI11909 TR 2003260223.002



# 48 

# 48

### DOC ID 

### J: 00004591892810003

!.01: l, BI.OCK C, KOEMPEL TRACT PHASB 3, SEC:riON FIVE, 1\N Al}DITIOII IN 

### TRAVIS COUNTY, TEXAS, ACCORDING 'lO 

### IliB PLAT OF 

### RBCORD IN VOLOME 2002,**PA~** 

### 316, TRAVIS COUNIY, :rEXAS.

Parcel IDNurnber: 02784001340000**whl~h** currently has 

### !be add.R:ss of 

### 1108 FOX SPARROW COVE, PFLUGERVILLE

Teus 7B660 {"Propc:rty Address"): (ZipCadoJ {8-.!Ciey]



### TOGBIHBR WITH 

### all the lmprovemems oow ot

### bereafter**~** on 

### lbc propc.tty. and 

### all**oa~~emeniS,** 

### appartc-, and fixtures 

### now <>r hc=oftet 

### a port of

## me property. All repl3c......,la an<!. additi""" sball abo 1»oovmid by lhill Security In.truo>cnt. All ofthe C(lregoing ig 

### retcaod 10 in thi& Secmity Lt$tmment as the 

### "Property." Borrower undemands an!l agrees !hal 

### MBRS llokls Ollly lepllill\liO 

### t!Je inlcRSb; granted by 

### BDtrOWe:r iJl iiU$ 

### Se=ity Jnstrome!Jl, but, if neeessaey 

### 10 comply ll'ith law t1r CIISiom, 

### MERS (as noroiuee for Lc:nder 

### 8lld Lender., 

### socccnom and

# amans} has !he right 

### 10 

### exertiae aoy or all ofthose inb"eSIB, 

### including. but Pot limited 10, tbe**~b~** 10 furecla;e and sen the PmpGrty: ;nul 10 lab any act!On required of Lender 

### including, but 

### not limited 10, 

### reJcM.iog Md <:anccling 

### lhi• S«mity IoS\1'1Jtnent. BORROWER COVENANTS lllet lJOIX'OWCt 

### 1o lawfully scised of the e51:Bte hereby 

### conveyed ll!ld has the right to 

### grant and convey 

## me. Property and !hat 

### the**P~** is uneooombcn:d.**e~"'Pl** fQ< encumbrances of .reeotd. Borrower wammts IUld will 

### defend geaenilly the tiUc lo 

### the Pn;lpetty against all Clainm and dcmlmds,**:t~~bject** to any 

### CllCO!IlbmtiCes of

### =nl. 

### THIS SECURITY INSTRUMI!NT OODibines 

### wilono co-ts for 1111tl011al u:JC and 1100-uni!Orm**covenan~&** 

### with limited vari&tiOIIS by 

### juri$dielioP 

### to 

### constilu!e a 

### unifotm security 

### instntment oovcriog 

### real 

### propcey.



### UNIPORM COVENANTS. BOITOWU 

### and Lender =ant811d 118=M

### follows! 1. Psymeot t>l 

### l'dndpal, 

### !Dterut. Escrow Items, 

### Prepapuent Chsrp;, and 

### Late Clmges. 

### Borrower shall po)' 

### when due lh"**pl\n~** 

### or, and 

### intctm. 00. 1bo deb\ 

### ""iden<cd by tbll 

### f'lo10 11111111I17**pup~cyU~eDt ell~**  

### and Jllle charge$ 

### due ll!ldtr tile**N~.** 

### »ooower 

### llltall alSO 

### pay ftmds for E&t:tow 

### lllllm pumum1 10 SeclioD 3, Payments 4ue under lhc Note and lhisl Secmity Jnsllv:mem shall ·be Dllldc 

### in. U.S. tlllWJI.C)'. :However, .if any cbedc orolbez intltllmmt l'C<1l>ived by

### Lcndcc as payment under the Note or Ibis Security 

### l'nslrument is rctumcd 

### to Lender UDpllid, Lender 

### may n:qnitc 

### lhaL any or all soboeqncnt paymen18 

### due 

### Wider 

### Jhc Note and 

### this**~ty** lnslnlulel:ll be mado in**on~** or more or 

### tlK: :following furm:l, as J!Gicc!Ql. by 

### Leodcr. (a) cash; {b} 

## money Older; 

### (c) ce.nirJed 

### check, 

### baJik: 

## meet.**~B** 

### dtcck 

### or cashiets chock. provided any Sllch cbe>ck .is dlaw.t upon an 1nstin1tlon wltolle deposirs all> inlllltcd by a 

### fcdctal**;~gcncy,** 

### lmtnanentaUI)', or**~mllty;** 

### or (d) 

### I'!JecltOnic 

### Ponds TlllllBf'er. Paylnenl!l are deenlcd received by 

### Lcndct wheJI rcecived at !he Joca!ion desiBQatcd ill tbe 

### Note or at ruch other loeation DB may btl deaigJ>atod by Leoder In**~ec** with lhc**~** provisiom in 

### S«6on 15. Lmdcc lll!ly

- my payment 

### a: plflial p!!ynt<)llt if the payment or 

### parual pB)'JIIeUI!i arc Insufficient 10 

### bring the Loan cu=tL Lender 

### may lll:CCpt 

### aoy 

### JmYIIlenl or putial 

### J11!.Y1Xlellt insntf!Cient to bring llle 

### Loan CUI1CDt, wilhOPt waive< 

## ot lillY rigllts hctWndcr or prejodicc 10 iw riglliS 

### to refuse sutb :pa}'fllem or pmial 

### paymencs in Ute flltlw, 

### but 

### LcOOcr is 110t obltp!ed 10 11p11ly tlldt**JI8Ym~** Ill. 

### the time 

### lmdt paymenu me acctpted. Ifc:acb 

### Periodic; Payment is applied as of its sclicdulcd dltc dale, 

### !hen Lender need mrt

### pay loterem

on llllllpplicd funds. Lender may 

### bold such U113J1Piicd fondA 

### until BOllOWU mobs payment 

### to 

### briQg lhc Loen



### cnmru. lf Borrower 

### doan01 do 8() witllin & reasonable period of 

### lime, 

### Le!>des 

# rowI 

### either apply mch 

### funds

or 

### rctum them 

### to Borrower, Ifnot applied earlier, Slleh lwxfs wiU bo appllod 

### to 

### t1ze Qlllltanding principal 

### balance under 111& Nom immedlately prior 10**f~~** 

### No**offse~** 

### or 

### claim which Bonowe:r migbL bave
now or in me fulUI'Il against.Leuder shaD relieve Boxrower from making J)ll)'lll""UI\M unc1e1 !he Nme and this Security**l~** or 

### pcrf'orming !he coverultllll and aa=tnenl8 secured by this Security 

### Instrumem. 2. 

### Appllmlioo> of Paymenra or Procetda. E:l!cept >1B 

### olhetwise 

### de3cribec! 

### m Ibis Section 2, 

### aU paymMI:! aocepted and applied by Lendtt shall llC apPlied in the following 

### Oldef of

### pdorlty: (a} mrerest doe under !he Note;**{b)~** duo 

### UIIdcr 

### the llo'ole; (c) amoUR\!! due. under Scclion 3. Such**~IS** sh!JD be applied to <*II Periodic Pli)lm<:nt in lhe otdCr in which it became dlte. MY renWning amoum.a shall be 

### applied fim 10 late charges. secoml ro any olhe( amow>w 

### doe under !his sc:cmily**ftl31rumert~** Mel th(;n to**nx!l~Ge** 

### the priociplll bBIIIJice ofthe Not¢.



## Austin Data Inc. TH ADI11909 TR 2003260223.003


# 49 

# 49DOC ID f:**000045~7892810003** If 

### Lc:mler =!Yes a 

### payment li:om Bonowez for a dcfmquent**Pc:rlod.l~:** Payment 

### wflicfl includes a 

### Sllfficient emmmt topsy 

### any laic 

### cbaq:e due:. the payment 

### may be 

### applied to lbt> 

### delinqnellt**payma~t** 

### 8lld the 

### !aLe cfuuxe. 

### It momlhm one Petiodie Payment is 

### oufalallding, LePclcr lll!l)' 

### apply any JIIIYmenl 

### s=ivcdfrom Bonowct to 

### the n:peymcnt of llw 

### Periodic Pa)'tllCllt!! if, 

### 1111d to 

### llHl exte111 

### thai, each 

### payrnea1 can be paid 

### i11 fi:lll. 

### To lhe ex:leilt 

### thai 

### any excess exiSIS afler 

### rbe payment Is appii.cd to**~** 

### lillt payme:nt 

### of one ot 

### mom Paiodie**Paymet~ts,** 

### rucll ellte3S me,y 

### be app1ied 

### to any tare charges due. Vollmlllry 

### prepaymmrs sball be 

### applied. fim 

### to any 

### prepayment chalge& and lhelles 

### described in. die Note. Any 

### appl.!couioa af paytllel1IS, ioswsru;e 

### praoeed&, 

### or Mil!collanecus Pt=dato principal du¢ \11\dcr 

### lhe Note 

### sballllOI oxtcnd or JlOSipoDe 

### die 

### dut> 

### date. or c:ltaJ1ge lhe 

### amollllt, of

### the. 

### Periodic' Pll)'ll'IIC!lb. 

### 3. FlmdB 

### fOr &trowUems. 

### Boaower- sflall ,lillY 

### to Lender 

### on lhc day 

### Periodic Paymenls 

### are dill! aoder \he Nole, 1llltlllhe**~** is paid iD full, a ll1lln (the "Pllnd&") to 

### provide for 

### payment of amouniS due for. (a)


### w:es IU1d**~ts** and 

### olhu items 

### which can atlllin priority 

### ovec thil Secruity 

### !Dstmment as a llen or 

### CllCIIIDbmn<:e 011**~Property;** (b) 

### le&llehold paymentll 

### or gomul**~** 

### onlhc 

### Property, if

### any; (c) premiums for any 

### and all 

### illliU!IItlllO ICqUlred by 

### Le11der 11!\dllr 

### SeWon 5; 

### and (d) 

### Mortpgc**lnsu~~U~Ce ~-.**  if 

### any,
or 

### l!liY sums payable by 

### l!ot:rowcr to l.cllller in UeQ 

### of !he 

### payment of Morfgugo 

### Jnmtrance pttmlums 

### in**~** 

### with the provisions of**S~on** 

### 10. Tbcsc Items 

### are called. "Escrow Itt;ms. • 

### AI origjfultino or at any lime 

### dnring !be term of tbo 

### Loan, Leftder may require 

### lOOt Community Assoclalion 

### IJues, Pees, and. Aasessm<:n!S, if 

### any, be escrowed by Borrower, md SDch thles, 

### tees and as&eSSme!tlll 

### shall be 

### an Escrow 

### liCJll. Borrower sball promplly Curnlsh to 

### Lender all noliccs 

### of lll:llOUOI8 

### to be paid under this Sc:.;tiDJI. Bonower 

### sllaU 

### pay Lender lhe Fllnds fo.r P&ctow Items unleBI!l.aulcr weives 

### Borrower'• obilgmion 

### to pay !be 1'\lnds for any ot an Escrow ltemJ!. Lender may waiveBorrowel's obligatioo 10 pay to l.endec Funds**f~** ?.U)" or 

### all**~w** llCIII., 11t any lime. Any**sn~** waivet '!lilly only bc 

### in writill3- lll tbe event of $llcl1 waiver, 

### Borrower shall prty dltectly, wfletJ and whefe 

### payable:. the 

### amoun1S due 

### CO! any 

### &avw llems for wllidt Jlllyrlli:OI Of**Fund.~** 

### ba8 been waiYe<l by 

### Lender lll1d, if 

### Under**~** 

### $balJ furrtish 

### to 

### J..euder .te.:dpts evldwcing .suctJ pll)'llii:DI 

### within IIUCb time 

### pPZiod as 

### I..ender may 

### require. Borrower& obJiplion 1o DJake 

### 80clt 

### paymenls 

### and to provide rct:cipts 

### sllall for 

### au**purpos~** 

### be deemc:d to be 

### a CO\"alllllt 

### and agn:emcnt conlalned.ln Ibis Secutity 

### Jnstnm11mt, as tho 

### phzaso "covenaD! md**~** 

### Is 

### liSed 

### in sealon 9. If 

### Bonowec i& 

### obli811ted ro pay BIICrow 

### Items dircetly, put5lJIIIlt 

### ro a waiver, 

### aod Bolrower 

### fal13 10 }lay 

### the amount due 1br 

### an &crow Item, 

### Lemler may 

### CJtete:ise**3~Siiglns** Ulldct 

### Section 

### 9 and 

### pay &tK:b IIIIlOmlt 

### and Borrower Bball tileD be 

### oblign!cd Under 

### Sel:tion 9 to 

### NP&l' 10 

### Lender 

### any wllb lllllOunL Laldix 

### may .revolc:tl tile waiver a.s 

### to any or all 

### Esctow I!ems 

### at my 

### lime by 

### a no1itc 

### eiven in**~e** 

### wilh Seoction 15 

### lmd. upon 

### nucb revoeatloo, Bo.trowec shall pay 

### ro Le!lder all 

### Plu!ds, ami io sucb "">'lll11S, 

### t11111 are then teqnlred 

### wulet" tlW; 

### Scclion 3. Le!lder =Y· al any lime, collect omd llold 

### Fttnds in 

### an lllfiOliJ\t (ll) sutllcient 

### to pennit I..e:ndc:r to apply 

## llio F11Dds at 

### lbc time specifu;d 1ll1Jio:t JtESPA, and {b) not to 

### ac;mJille m.a:dmum lll1lOIIIIt 

## a kntlel" an require 

### under RESPA. 

### LaKier sllalJ**t:~limate** 

### tile· amount of 

### Flmds due 

### on tbe 

### basis llf**~** dalll and 

### reasonable e.¢mates of 

### expenditure& of future**~w** 

### Items or odl.lrwii1C in 

### aOCOtllancc wllh Appl!cablc 

### taw.

. Tho Funds shall be beld 

### iD 1111 instiNtlon wlulse dcpcsim 

# = insured by a federal agency, 

### ituUunl<:nJallty, or entity (inclnding Lender, ifLender is 

### an institution whose**d~ts** 

### are so insured) 

### or in any 

### Fedual Home Loan 

### Bank. Lender sball 

### apply the Funds to 

### P1!J !he &crow 

### hems oo later than the lime specified under RESPA. Leader shall not 

### charge BmrQwu 

### for bold!ng and applying lhe Pl>nd8, 

### anmJ!IIly anal)I2Dlg the ""CTCW a<:C(IIDJI, or vcrifyiug 

### lhc Escrow Item$, \UIICllS Lender 

### pays BomJwcr 

### ID=t Qn the 

### Funds 

### l!lld Applieable taw

### pcnnlts Under to 

### make socll ocbarge. Unless an agmemcRt 

### is made 

### in 

### writing Ql" Applicable Law ""'}Qire9 Inter= 10 be paid 

### o:n 1111> Funds, Lcoldet shall not be teqnlr<:d to puy**B~** any interest 

### m: 

### earnings on tbe Funds.. 

### Borrower and Lender**~** BgteC 

### in waling, 

### however, that 

# mtereSl shalf be 

### pa\d 

### 011 the Pllnds. 

### Lender sllall give to 

### Botrowcr, withwt ctwge, 

### a11. anmutl. IIC.OOilll(itlg 

### of the Ptu!d$ M**~Di!W** 

### by Rt!SPA. Ir then: is 

### a surplm or Funds 

### beld. in 

### escrow, as defined Wl!b: 

### R.ESPA. Lender 

### slla.ll 

### acooont to l'lomlWCf 

### for the 

### ex=s flmds in 8CcOnlancc 

### wilb RBSI>A. If**thc:~e** Is 

### a sbor1age of 

### Plmds**~d** 

### in llllaUW, BlJ defined Ullder RBSP 

### A, Lender shall notify BOil"OwCO" ""**~** by RaSP 

### A, and BortO'Im" 

### shalf pay 10 

### Lender tlte 

### amount neeessary ID make \1f' tbc shortage 

### in IICCiltlfarlcc 

### wilh RESPA, but in no more 

### !han 12 montllly paymentt.. 

### lf 

### th= is**~** 

### defleiency of 

### Piands beld in esctOW, 

### as defined under RBSPA, 

### Leodef sllall notify 

### Bom:lwer as m:jllired bylU!SPA, 

### andBonowersball pay 10 

### Lender the 81ll0Wltnec=ary 

### to make up lfle deficlcmy 

### in llCICOidanco 

### widt RBSPA, bat

### in no rnom lfllm 

### 12 monlhly**pa~IS.** Upon paynltll.t in full 

### of all 

### sums secured by Uris Secority Insuwnent. LeudU shalf ptOmptl)' refuad to 

### Bonuwerany Pund3 held by.Lendel'. 

### 4. Chargee; 

### Lienol. B!lmlwer sllall pay all 

### taxes,**ass~ ~.**  lines, 

### and impositiOnS attributable 10 

### the Prqlerty 

### which can 

### I!Jifl1ft priority oyer this**~ty** 

### Instrument, leuchoid pA)'Dielll$ or 

### ground renlll on lbe Propc:dy. if 3JI)', and 

### Comnumlty 

### Associalion 

## Does, Fees. 

### and A&fessments, 

### if81lf. To 

### tile el<\ton\ 

### that llrese illmiS 

### are '&ctow**~~** 

### Bon:ower tllall.I)Uy !hem 

### ill**tile~** 

### provided in 

## smoo. 3. 8orrowu mall 

### promptly disebarge any lien 

### which has priority over 

### llliB Security Inslnn1Jent**~nless** 

### Borrower; (a) 11grces 

## m w.rlting til 

### lhc**~~** 

### of 

### !he obllgalioo seoured by 

### lhc lien in" manner acc:eptable to Leodel', but

### only llDl<mg as Bonowcriapcr\'arJning 

### such llgl"CI!fllem; 

### (b)ronle$1S the lien lngood faith by,
or**defend.~** llgaiast enfuiCeiDCIII of lbe liet! in, legal 

### procecdinga wbidt in LeadcJ's opinion 

### opemte 10 prevc:lll 

### the enfotet:ment of die 

### lien while tbosc ptOCI>Cdizlss are pending. 

### bill oaly llll!il such proceedings 

### are c:ond.udecl: or (c) se<:ures from the bolder of**~Hen** aa**~** lilllistll<;to.y 10**~** Sllbon1ina<ing !be 

### lien to 

### Ibis Security ItiSil'Urllellt. 

### If

### Lender**determine.~** 

### 1lla! My**par~** of 

### !he 

### Property is 

### subject II) 

### a Ueo wbicll

# .frjttolo:~. CC!l:\-iSA(TX)(OOOSJ.01 CtiL(1ZIII1J PBQ84<1!12 l'olln304411l11



## Austin Data Inc. TH**ADill~09** 

## TR 2003260223.004 

# 50 

# 50DOC ID t:**000045~7892810003** C3ll :utain 

### prillrity over !hiS 

### Security lnatrumeot. 

### Len(!rr lllliY 

### give Borrower 

### a notice 

### identifying 

### the lien.. Wltbin 10 

### day$ of**lhe~** 

### on wlddl tb$; 

### no!lcc is given. Bmrowa: 

### shall 

### satisfY the 

### lien or 

## m one ormo:c of lhe actions set

### fort.lubove 

### in 

### litis Section 4. 

### lendec 

### mny Jeqllire 

### 11orrowtt 10 91JY a on&-15111!: 

## cha<!a for a 

### teal estate taX**verlfi~tlon ~~ndfor** 

### zepOrti!lg servil» used by 

### Lcndec 

### in c:onnc:elioo with 

### lhis Lean. · S. l'ropeoV 

### Insurance. Bcmower shalf lteqo 

### !he improyemtnrs 

### now exlsliog or 

### bcrcalter CleC!cd on the 

## Pxopmy insw;d 

### spi'll8\ lQSSl 

### by**~.** 

### lm.\11'&1 hlclllded 

### witllil1**~** ltml 

### "wc:mkd

### oovtlii&C." and 

### my otb.er ha2aros incblding, but oot 

### limited to, earthqllllkcs and 

### OoO<b. for wlrich Lcndct I<qW= iiiSQl'lUICle. 

### 'I'hi5 jnsnrance shall 

### be maintained 

### In 1M ammmlll (mcludl!lg**dedtll:tib~** levels) llild !'err 

### the periods 

### tlmt 

### Lendet rcqujres. 

### What Lcoder 

### requires pm$UIIJIIIO 

### lbc pttecding 

### 5ente:nees ean change during th" kirm of !be Loan. 

### The iasomROc 

### eaaier 

### providing tile**i~** sball be 

### chosen by 

### Borrowet sobjc:et to Lcllda's ri8hl 10 ·disapprove 'BQmlwet's 

### chnlce, which rigbt shaU tlOl 

### bo exelci$0d rmreasonably. Lendec 

### may .require 

### Brurower 10 

### pay, in**~** witb Ibis Loan., 

### eitllc:r: (a) et**~ c~**  fQr 

### flocxl 

### zane dell:rmi!Jllb()ll, oetlllkaliQn and**~kin£ ~**  

### or (b) 

### a QllcHime 

### ctuugc for 

### flood 2:oac delerm.iuali<Jo ud. 

### cerlifkation services 

### and 111bseqneat cllarges each 

### lime remappinp or 

### similar ehanges OtCUt wbicl! reaaorlably mlglll alTeet socb detmllination 

### o: cx:nifx:alioo. Boaower :loaD also be l'CSJII)Il8!ble fur the pll)'Illl'lll of any !CCII' impo&eO 

### by the 

### Federal Emergency**M~t** 

### AtellCY ill**~on** 

### with 

### the review of any 1loo<J zone 

### deletmitllllion teS!Ildr!g from 

### an objection by

### »orrower. If Bormwm 

### tilils to 

### maintain 811)' 

### of the 

### C0V¢1'88'CS c!=ril»d 

### Above, Lcodez may Obtain**~** 

### coverage. a1 

### Lender's 

### option and 

### BoiiOWl:1'8**~** Lende.t: 

### is lllldar 

### no obligation to purchase lillY pani<:ulac type**or~** of**cov~.o.** 'Thc:dnre, sw:11**oo~rarc** shall cover J'..t:nder, but might or might not 

### ptO!e(:tJlorrowcr, l!ouuwc:r's equity 

### in !he PIOpcrty, 

### oc tlJe 

### CQIIIcnls of !he Property, 

### againtlany 

### ri9k. bazatd

or liability and might provide**~** or Jesser rovemge lhaB wrur. previously in effect. Borrower 

### aeJmowledgeli that 

### lhe cost of 

### the iDSIInlllCO 

### c:overago so obllDo.cd mipt signifiCIIIIUy 

### cxcud die c:ost of**in~** 

### lhl!ll'lllmlwec cxruld have oblllinod- Any 8IJlOUltiR**dis~** by 

### Lender Wide!: tills 

### SCI'tl011 5 

### lillall beoomc 

### additional debt of

### Bomlwcr =red by 

### Ibis Secvrity 

### 'Io8tnmlcnt. 1M.se 

## a.moonts shall bear inlere11t aL lhe 

### Note .ate 

### £rom dte chile of disbutsement 2nd shall !Jc payable, wilh sw:h in!crcr;t. upon notil:e 

### from Lender lo Borrowu requesting payment. 

### All**lo~** 

### pollciC$ requited by 

### Lenda and m>ewals of 

### such polid...s 

### sball !Jc sabje(:t 10 L.enda'!i right 10**disappro~** 

### J\Uch policies, &ball include a**~1atldard** mo;tgagc clau.e, and shall 1\111\\c Lender u mortgQgec and/or as a11 edditinnal 1081: 

### payee. LeOOer slWl bave tile right to hold dlc pollcies and =cwal**=tlti~es.** 

### If

### Lendr<r rcqulre;!. llrurowl'!' $hall 

### promplly give co Unaer 

### 1lli**~lp!S** of paid pmnil.ll))$ 

### and tencwal nollces. lf 

### Booower obllliDB any 1ilml 

## ot insurance CQYe.rago, n.ot odlerwlse**req~** by 

### Lclld«", for 

### damage to. or destruction of; 1be 'l'ropeny, sut:b policy sbsll inclulle a**~** 

### mongagc clav:sc and shall ll8RlC 

### Lender 

### as mortg11geeand/or'asanaddiaooat l09S payee. ln lhe 

### event of loss, Botrower ahall givo prompt notice to llle insmaa<:e 

### Clll'ric:r and L.endtt. 

### Lender Iilli)'**~b** p100f of loss if nut m:aOO promptly by Bo.rrower.**Uoles~J** Lender and Borrower othe;wio;e ep:e in writing, 81'1)' 

### intumnce**~** 

### whether or not tlJe 

### =clerlylng !nmranc:e was ICijlli.<l:d by 

### l..onder, shall be applied 

### 10 tell!Otllllon 

### or cepair 

### of the Ptopefty. if 

### the 

### !estomlion or repair 

### .Ill ecaoom!cally 

### fea.siblc and Letldel's securily 

### i3 aot 

### lessened. During rruch repair 

### and 

### .Woratilln peclod, lender 

### shall have 

### the right to hold such IIISIJl'alll)C proceed$ 

### until Lender 

### has had 

### an opporllUiity to inspect such Propetty 

### to

- !he Wolk 

### bas beel1 eoll'q)1eted to 

### Leuder'B satisf.action, p,rovlded lhi!.l »nch inspec:tion 

### shllll be 

### ll1l<lettakea pt'OUij)ily. 

### Lender lll1IY 

### disburst**~** 

### for lflc: repair$ 1111d 

### tes10ration 

# m a siltgle 

### p•yment or 

### in a series 

## ot progreo;s**paymett~S** u the wod: is oomploted. Unless u**~=t** 

### is made ln wmlng or**ApplicubJ~>** Law**cequi~tt~** 

### in!l:reSI lo 

### be paid 

### on sncb insurance ptocccds,**Lett~** 

### sball not be Jtqoircd 

### 10**p~y** 

### Botrowec 

### any inlerl>St 

### or earnings on such 

### proceed&. Pees fDr public adjulllcn, or olbcf dtlrd parties, rtlalned by Bonowcr 

### ahaa not !Jc paid out 

### of**the~** 

### proceeds and sbaJ.I be the sole obligation 

### o1 Borrower. If lhe lellto1111ion



### or repair 

### is not ec:ooomically feasible orLender"B seourity 

### would be 

### leSSCDed, tl1o 

### imunlnc:c**~** 

### 611all be applied to 

### the 8!lml<**~** by 

### tbi$ Se.mrl!,y lnstnJmcnt. whether 0t: 

### not !1om due. with me txc:cs!J, 

### if any, paid 10 Borrower. Such iiiS!Irance proQCCds sbiiU be applie4 in tile Ol(!er provided for in Section 2. If

### Boll'Ower abandons lite Propaty, 

### I..cnder 

### rna7**file,~** 

### and seale any**availab~** 

### insunlnce 

### claim aod relllled**martea~..lf** 

### :BOJl'Ower docs not respond 

### within 30 day& to 

### a llOllce**fit><~\** 

### Lender that the insurance avriet has of'Ceted 10 settle a ctai.nl, thro Lender may negoliate.llod setUe 1be 

### c!U:n. The 30-day pcrlQd will begin when 

### the nOiicc i5 given. ln 

### eilher**eVU~~** 

### or 

### if Lc:ndc:r acquitc!;**th~** Ptol"'rty wder 

### Scctlon 22 or**otllerw~** Bonowe£ hereby BBSigns 10 Lender**<a>~** righl8 to BIIY insurance: proc=1s ill an ammmt 'POt 

### to e:o:ceed 

### Ute amounw unpaid under Ute Note or thili S=rlty l118111nlleD!, and (b) 

### any adlerof

### :Borrower's rights (0\ho:r than !he right to

..... 

### y 

### refuti or uncatlled pmniuma paid 

### by BDIIOWC:f} 

### umlel' all**~** polictas covering the Property, insofar as sw:lt .righiS IUe applicable to the ecvornge of the I>ropeny. Under IIlli)' 

### usc: the 

### insurance proceeds eitbe.- 10 

### repair or 

### resmn: the Propclty 

### or to 

### pay amounts llllpilid Ulllkr 

### llle**No~** or thl3**S~** lnBinllllet1t, whclber or not lhen due.

_ 6.**O~DQ·.** 

### Borrower slmU 

### occupy, eslDbllllh, lind 

### usa lhe Propmy 

### as Borrower's prilicipal 

### lC8idc:nce wilhw 60 <lays after the CMCUiiDo of lhill Scc:urtty 

### lns1rumeut and shall oontitmc to occap)' 1bc l'ropc:rty 

### o:s BOhOwe.t's principal 

### resldeoce for at 

### least one year 

### aftc.-lhe dale of

### OCC11Jl81K'Y, unless Lender 

### otherwise "8fCCS ;11 

### wriling, wbicb COD5Clll 

### :;hall 110( be tlllte&SOD&bly 

### witbbeld. or**unle~a** CXIemlalillg 

### circums!llnc:es**~181** Wbich are beyorul Borrowers oootrol.



## Austin Data Inc. TH ADI11909 TR 2003260223.005 

# 51 

# 51

### ooc ro 1:**000045916926~Q003** 

### 7.**~BI:i®,** Mainii!U:all(!e 

### IIBfl Prolei:Uoo llf 

### the !'ropertr.**~** 

### Bnm:lwer 

### d!all not dllSII'Oy, 

### damage cr impair 

### tile Property, allow lhc 

### Property ID detcrilmUc 

### or commit 

## wasre on 

### die 

### l'xapcrty". Whelll<:t or 1\01. Btnrower hi residing in tht Property, Som>wt:r >ilaU molntain lbt Pmpe:ly in 

### tJtdtt to 

### prevent lbe Propa'l)' from 

### dewiOI'llling 

## or**~** 

### ia valoe doe 

### i!J irll comlition.**UD!es~** 

### it i3 

### detcrminal 

### JllllSU8llt to Section 

### S lhat repair or**~WC~J'll(ion** is not**~noruicalfy** 

### feasible.**Jlon'Ow~** s/WI 

### promptly repair llle**Propc:t~y** 

### ifdamaged 

### to avoid lilnller dererlomlltlll ordamage. 

### If

### lnsllll8ICC or 

### CDJJ<Ieall1a1\011 

### proceecls are 

### paid in c:onnr;Won 

### wilh dmmtge 

### Ill. or 

### lhc taking 

### of,llle Propeny, Borrowetshall 

### be IOBPOnsible 

### Correpairing

or res!Orillg the Propetty oaly if Lender bas released ptoc:cedB for 8UClt plllpOSC:8. 

### leJJdet may 

### disOuJae ptOCeeds for the repairs and mtOI'alioo 

# m a 

## sJnala pnllle.\1 oc in a series orprogre:s;$ paymenlll as the woxk is 

### completed. lf 

### the Insurance Ot 

### condenmanon proceeds 111'11 not 

### sufficicrJI 

### to repair oE n:swrc lbe Property, BoTroWet ls not 

### Jcli.,.,ed ofBGfftlwu's obligaUoa for 

### lhe COillpletion of such repair« J'CM()ratlon. Lendet OI iiS**~~ge~~t** 

### .IXI8Y make· 

### reasonable elllriea 

### upon md**~speeliolls** 

### of !he Property. 

### If II bas**rc:~~IOrulb~** 

### cause, Leode£ lli8Y**~ lb.~**  

### intwor of lhe**~q** 

### on lhc**~.** 

### Let!der shall glve Bo!IOW<:t 

### notice. at the timo of

### or prior to 

### such 

### an 

### lnlUlor inspection spedfying**&ut:lu~ali1c** ailiSC. 8. Jl!>mlwet's 

### LoJm Appliealioo. Bonowct tltaiJ bl: in deflrult if, 

### during me 

### Loan applit:alkm process, Borrower or any 

### pel'Atlm 

## or enlilies acting at !:he dlrecllon of 

### Botrow1:t 

### « with Borrower's k:nowledge or**con.~t** gavo**ma~!y** lil.lflc, 

### misleading, or in=<aiB infunnatlon or Slatement!IID Lender (or fluled ID 

### provroe Lendec with malel:iallnfonnatlon) in cmmection 

### with tlle Wl!n. Ml>terial tqlrcaeullllions iQclude, bill

me not limited 10,**rq>rere~~lalions** Q>llccminll lklnowct$**~of** tbe 

### Propcny as Borrower's**pri~** 

### residence. !1, Pl'9l<lelino or L<:nde<'s 112- m the l"nnpa1:y aod Rlgh18 UD4er lids Security lDslnnnent. If 

### (a) Borrower fails 

### to perfotnt lbe covemiiiiS and**agtcm~eniS** 

### oonfaintxl 

### in lhU Securily 

### i!ISil'Ument, (bJ 

### lbcre is a legal proceeding thalllligbt siguifiCilR!ly affeet Lender's lnlcrest ia iho l'topeny anti/ex**rigb~** undct Ibis 

### Securicy**l~** (sllc:li m; a procr:oding in banl<n>pccy, probate, 

### ror oondelll!I!IIWn w fodcl!ure, for**en~ement** of a lien which may alllliu priority oVer !his Semuity 

### motnnne12t ex to enforce lawg 

### ot**~~lions},** or (c) 

### Bonowt.r has abtitlc!oned 

## me l'rojl<rty, thea Lender IIIB1 do and pay fGt w&ar.en:r 

### ill r=ble or apptl)priatc ID protect Le:ndds mtefCSI 

### in the**P~** lllld ri&IIIS 

### 111Mfc: Ibis Security 

### In5tnlrncBt. mcluding protecting andlor 

### llSSCSSing !lit**val~c** ofthe 

### Property, and scwriog and/or >q:llliMg the Property, Lender's actiODS can include, 

### bllt 

### an: llO\ limited !o; (a} 

### :paying lilly 8\IIJl8**~by** a lieu which 

### has**priority~** Dlis Scau:ity Insl:nJI'Oelll; (b) 

### appearing 

### in 

### eoun; aDd**(e~** 

### paying reasollllble attomeys' fce111D**~t** its ii!W'Cst 

### in tho Ptopeny and/or righQ under Ibis S=lri!y Instromenl, ill<:JudiJrg 

### ifS !lllCDred po3itiorl in a bankruptcy procccding. 

### Secu<illg lhe 

### Piopcny includes, ooJ Is n.ot limited 10,**eot~g** !be Propmy ID 

### make .repaill!, change Jocks,**rq~lac:e** 

### or boBttl up 

### doors 

### and windows, drain 

### water 

### ti:om pipes. d.iminate 

### building or 

### lllher rode violatimls 

### or dange.roll5 amdit'loos, 

### lltld bave 11tililits 

### tnmed OR 

### or oft". AJ1hougb Lender may take 

### acllon undc>: Ibis Stction 9, 

### Lcndet doe.f cot have to do so lllld 

### is 110\ undef lillY duty or oliligaljon 10 do $0, It is**~** lbat Lcodcs**~** no liability for not tail:ns lillY ot all**at:tion.~** aulhOrb:cd under tlba Scc:tion 9. Any SD101.111l$ 

### disbm$td by l...eodet 

### u11d::o' 

### liW Scctioo**~** shall**beeo~** lldditiol:lal dell\ Qf**Borrow~:~'** seaucd by this Security l'nstru<nent. Therrc 8<1l0lln!S altall. bear 

### illterest a! the Nute rale fmtlJ 

### Ill<> dale of 

### disbnzsement and 

### shall be payalilc, 

### Mth 

### such**~** 

### upou tl01io11 

### from Lcndor to 

### 'liorrower n:qll¢$1.ing**~t.** lfIbis Sccwity hlsttwnent 

### is on a**lcsscllol~.** 

### Botrower sball comply w;lb all**~ prtlvi.~**  of 1111' 

### lease. If B0nowcr**~ell** llle 6tlc lo lhl; Property, tbe leasc:liold and tile ftc ti!lc slltlll not roe::ge Wiles$ Leader**~to** the 

### metger iu writing. 10. Morfga&e**~te.** ff Lender .requjred Mortgage !DSillllllCC as a o;ondhioo of moklng tbe 

### Loan. BQnower shall Plll' 

### !he premiums n:quired 

### to maintain !he M0lf81lgt**Ia~** in dftct. 

### If, fot 

### any 

### teasoa, tbe Mortgage**Jn.,~UaMC** CO\'Crllgc required by 

### Lender ceases 10 

### be available froru 

### lh<:**~e** it'osuJl)r lbac previanBlY provided such insumnce 

### aRd Borrower was reqlllred 10 make scpariltely 

### designaled paymcnl3 

### Iowan! lite premiUIIJ$ for Mortgage 

### In.'lDmnce, BotrOWCt 

### $hall pay the ptemi\IIDS ll:quited to 

### ubta!n coverage sullSlanlially eqoivah:nl ID lito MOII8lll;o lii$Uni!IOC prevluusly jo etrecl, at a cost subs1anlially equivaleotiO IIIli COil tO**Bt~m>wcc** oC the Mangagc Iru;wance prcvioaaly 

### in etfecl, from an altematc mu«gage ll\B\ltet oelocred by 

### Lendet. If BUbslll1ltla!ly equivalent Mongago lnsunmo:: covemgo is not available, Borrower &ball**~** 

### to pay 10 Leader lhc amount of tbe sepanueJy designated payments that were due wflen**~** iiiS\Il'&M\C COV<!:Uigc cca'led Ill be in effect. Lcrui(:r will a;:cept.**~** 

### and**~lain** 

### these JllfY1llll'IU as a**11on~bleo** 

### loSil reserve 

### in lien of**Mm1ga~** lnllllrauce. S1ldt.**~~** =cnc shall be non-refundable, IIO>Withsllmding the fact tha.l lhe 

### Loan l9 ultimalely 

### Pllld in 

### full. 

### and lewler mall 

### not be rc<}Qired 10 

### pay 

### B.onower asy intCIIWI 

### or esmings ou 9Uclllos$ 

### .te!Jer7c. lender

### can 110 

### loage.r l\!qlllre Joss**~** 

### payn.Milllf 

### Monguge 1nsuratzcc 

### mverag<: (in**th~** ammmt and 

### for the period llml 

### Lender mqui>u} provided by &II insurer ReJected by Lender again becomes availabk, is obtained, and**Lend~:~:** requires Scpa!lllely dcslgoated payments towatd Ule premiums 

### for Mongage IllSlllmH:C.. 1f Lemler requiml. Mortgage IllSili3JIC» as a C()lldition or lll<ll;;ng tbe Lo&l and aorrowcr 

### was required 10 mak4: scparafl)!)' 

### designated payments towmd the premiums f01**M~ I~.**  &,tower 

### shall pay t!Jc prcmiurm required 10 maintain**Mortg~** In81lrlli1Ce i11**cff~r.** 

### or tO ptO'I'ic!e 

### a uon-.rdiiPdab!e los&**~** 

### unlll Londef's requl!elllClll for 

### Mortgage Insurance ends 

### in**~cc** 

### wilh any miUt:n 

### agre.cmem betweea 

### BO!JQwcr and 

### Lelldcr J)lQviding 

### for BUcll lermination orunU1**~n is~**  by 

### Applicable 

### Law. Nothing In th.is Seclioa 

### lO afi'eclll 

### Bonowers obligation to pay**in~etCSt** at 

### the rate 

### provided in lbc 

### Note.



## Austin Data Inc. TH ADI11909 TR 2003260223.006


# 52 

# 5200C ID f: 00004597892810003**Mon~** l.nJnmtce rc:imbnJOcS 

### Undet (or any entity tbBl purcllaSeS dieNote) !or certain l0l$CS 

### lt 

### may 

### inrut if 

### Bomwe.r 

### docs JlQI**rep~zy** tbc 

### Loan 

### SIS**~·** 

### Borrower is 

### 1101 a party 

### 10 the Mortgage**ftm~ta~JCC.** 

### Mortgage**insoren~** evalu!IIC: 

### lllcir !O!al 

### risk on all sucll 

### insumnce 

### ln farce li:om 

### lim: 10 lime, and may cnller lnto**a~ts** 

### with OlhJ:l" partie$ dial 

### share or mOOil)' !heir rlslc, or 

### r<docc !Qsgez. "Illesc agreements
8(C oo 1cnns 1111d CO!Idi!ions thtll arc 

### salisfaclmy 10 tho**mor~gatt** iDBDn'lr 

### and 

### !lie other 

### party (ot parties) 10 tll<:so 

### agrecrneats. Tho:Ge**agrecrn~** may**~** the mortgagO 

### insurer to 

### real<c paymca\S usiug any $0\ltC:e of 

### funds lha1 tile 

### I!IOrtgsgc**iiiSII~** 

### mzy han available (whicl! may bu:ludc fttnds 

### oblaintd ft()lll 

### Mongnge**~:nwmnee** pmm'OmS). 

### All 

### a result of 

### these agme<neniS, 

### Lenller, any pwclJase( ofthe 

### NOIC, another Jnsutt,r, 

### any reln&Dn:t, 

### auy other cnlity, or any atnliatc of m;y or die foregoing. Dlll.;y receive (clirectl)' or imtirectly) amiRlll!ll !llat lferivc 

### from (or mig!¢ be**~** 

### as) a PQ!tion of B!).ll'Qwe&'& pByme1118 

### lot Mortil&&C 

### JnsuraJt<>c, in 

### exchange for 

### sharing Ot modifying tbc mortgage insurer's risk, or**~tlncing ~**  lf S1l<:b**~~** provillcs 

### lbal an aifiliatc of 

### Lender takes a 

### share of the insurcn 

### risl< in**~cllaag"** for a shmo uf th

..**premium~** 

### paid 1o else 

### iJISIIrer, the anange.mcnt is often 

### termlld •c:aprivc.teinSIIJ1UlCe.• 

### f'ur\her: {a) Ally such agreemeuls will uot affect tbe amomUs" thl\t 

### :8ort'ower 111\S agreed to pay for**M~** 

### hlsm'ance, or IUly otller

- of IU 

### Loan. Such**agreeu~mta** will not htcreQao 

### Oleo 8l1l1>IDit 

### IJonool\'er will 

### owe for Morqage lll51lrante, 

### a'll d tJtey w.IIIIOf**e~~litle** 

### Bormwer to any rel'and. (b) Ar13 GUth**~** w!II not 

### attec:1 the tigbls B<wrower ha& • if troy •**~lh** nsped to lhe Mortpge 111B111'11UQe ondef Che 

### Bom-1:11 l'l'oted!oo Ac:t 

### of 1!198 

### or any 

### otltll' law. 

## n- righiS lllliJ'intlude 

### lhe right to 

### receive certaill**~.** 

### to reqaest aJid 

### obtain caucdlathm ut

### ibe Mortaaee ln!nmmc:e, In 

# lla,.,, lhe Mol'C£81ile Insurance tennluated Q11.1omalicaDy, anollor to 

### .-eccme a ..et'un4 <It 

### any Morlgage Iosurauce premiums tbet**~ ube~~Elml**  

### at Ulo Cbne 

### ol sud! 

### asnrelladan at lerminlllioa. 

### 11. A8sigmneut 

### ol Mi8Cd1alleous 

### PrGceeds; 

### For1eitun. All MiscdliU:ICDllll Pro=ds arc hereby IISSigned to aud shall be paid 10 

### Lender. If

### tbo l'rop<otty 

### is damaged, Sllch Miscellaneous 

### Procec<ls sball bQ 

### applied 10 rcmration or 

### 'll'air of !be 

### Propeny. if tho n>S!Oralion or rc:pair is t;OO!Iomlcally feasiblo and 

### Lendcr'll sc:ou:rity**i.~** notl=ecL Daring 8llCb repalr mcll'CS(I)Ia!i011 period. l..endcr shall have 

### the Light 10 hold suclt**M'J>~CeUBni:OUS** Proceeds Wllil Len<lcr ha.!o 

### had an oppom.uity to inspect such Propeny 

### w ecsure lhe 

### wod:: bas been oompftlcd 10 Lender's sl\lhl!!Won. Jll'(>Yided the.l ""ch inspoction**~;hall** 

### be ..nck:ttaken prmnpdy. Lc>ldet may pay f« 

### !be rq\al!S 

### and**n:ston~don** 

### ill a**~lnsle dil5.~t**  01' in a**~elies** ofpi"Ogrell$ payments as the W'()l'i; iR CQmPlelled. 

### Unless 1111 agreement Is 

### made in wriling or Applicable Law 

### ,mquireB 

### lnll:rc:st to be paid oa suCh M'm:ell811t011s 

### Pl()Cil(ds, Lcotll:r 

### :shall not 

### be teQDin:d to 

### pay Botrower 

### any intt:resl 0! 

### earnings oo web 

### Mi5ccllaneous 

### Pro=rls. rtthe tcSIX!mlion orropair i$ not 

### ccononncauy feasil)le 

### orLender's**~** worud 

### be ICS5C!1ed, the**Misooll&nc:tllJ~** Proceeds shBD be applied 10 lhe SUID3 secored by Ibis 

### Secwity hls1rllmf:jll,**wb~** or not tben 

### doe, wiUilbe excess, if 

### any, paid 10 Borrowe.-. S11cb Jdi51:Cl!aneoua l'rocecd9 shall 

### be**appli~** 

### ill 

### Uie order proy'idcdforio 

### Section 2. 

### Jn the 

### evem of a to1111 

### mldog, 

### deslrucUon, or loss in 

### 'lllloe of 

### !he Property, 

### the MiscellaQeoll5l'loceeds shall be applied to lllc SIDnS sccuted by lhis Security JIIB!nlmCJ11.**whcth~** Ot' not !hen due, with dte .,xceas, 

### if 111\y, paid lo Borrower. In lllc evMt of 11 

### fl'U1ial taking, dtstrocllon, or 1001 

### ln val111> of !bc PropertY 

## mwbich the fair mm'lie! 

### wlue ofthe Property 

### immediately bcf01e lbc 

### plllliaiJaklng. 

### de81mclion, orJoss in 

### value 

### is tqual 

### ro 01 gJQter tllBn 

### lho aOIOUllt of tbc 

### sums secured by Ibis 

### Security Instrument l01111ediately 

### bet= me 

### partial taking. desttuc!loll, or fOSB 

### in 

### value. llllles.'! Borrower 

### and Lender olbcrwiee 

### agrco 

### mwriting. tbc SlllD! 

### 8C'CUfCd. by 

### !his Security Inslrament .shall be r:educcd by the 80l0Wit of IW Mit=llancous**~** mulliplied by the 

### following 

### flllclion: (a) the 

### lOla!**amoun~** 

### Qf 

### llle r;mus 

### sccnred 

### immedh!ltlly before 111e partial**ll!ki~~g,** 

### desrruclioa, or loss 

### in value 

### divided 

### by (b) tbe fait ID!Irht Yl1lue 

### o!' dle Propelty immtdialely before the 

### pani&J lak.ing, dt$lruc1i011, orfa;s in V!lluo. Any b>allldCC slmll be**pai~** to 

### Bmrowet. ln lbc**ev011~** 

### oi a parlial taking,**~lion,** 

### or losiJ in valoe of 

### Ibe 

### Pn>porty in whiCb lbo fait Ullld:et value 

### o!' 11u> P'l'upcJrt)' 

### immedla1ely bcfon: lite partial taking, destmctlon, or 101101 in value 

### is less IbM the DIDiltlnl 

### or lhe S!lDlS lieCllllCd 

### imrnedialcly before me psnlal taki11g, 

### dcstnlCiiol>, or lOss in value, 

### 'llllles3 Boaower arul Lender orhcrwise 

### agree 

# m wtiliDg, the**M'tS~** l\'Occcdx shall 

### be aPPlied 10 the smns .can-ed by Ibis Stcurity hmrnmenl 

### wbelhcr or not the BIIDJS lltC then dac. lf the l.>ropeny is**a~** by**~.or ~**  aflel!IO!iol: by 

### LeAder to Borrower !hal tile Opposiag Party (a& dcfiood 

## m**!he~** sentom:C) 

### of&nl to make llll award to mile 11 claim**lOr~** !1onower 

### flUb
to respond to Lender wilhin 30 4a}'ll af£t:r the dllte the JJOtice is giYaJ, Len<lec is uthori7.ccl to collect IUld apply 

### the**M~llooeoos ~edi**  

### either 10 restomlioo or repair of 

### the Propttty 

### or 

### to the 

### sums secured by 

### this Scc:urity 

### Instrument, "bether ot 

### not lho:1 

### due. "Opposing Par!y• ll1l'8llll the drild 

### pany that 

### owes**Borrow~:~:** 

### Micccllaneous Proceeds or 

### the pa1ty 

### againU whlllll BOIIO\\Ier bas 

### a right of a:cti011 in .n:s&Jd 

### 10 

### M'JSCOJJBrlWlls Proceed.'!. BO<rowcr 

### .shall be 

### iu default if any actlon or procccdiDg, wbellter civil or criminal, is begDtt lbat, in [.eadc(lijudgnn:nt, could l'CStlll in l'orfellllre of the Properly or o1bcr 

### matt:rial impairment orLcodel's irW:resl ip ll1e Property 

### or tights 

### U1100r Ibis Security l!JBirualenL BOJtOW« em eure :mcb adr:faull and, ifaeocferlllion bas C>OCUae<l,**t\li~ "'~**  

### provided in S<etian 19, by 

### cusing the 

### donor

### prooeedUig to lie 

### dismiss.:d with s. rulillg**~~in ~ader's** **~t, .~**  fotfciture of 1M Pzopet13' or Olbet 

### material**jmpalzmct~l** of LcndC!'s mlet&st •n 

### lbc Property nr nghlllllllder this Security 

### Instnnnem. Tho prnc:<:<ld$ orany award or cl8iJn

ror**~** !hat are 81tn'bur..ble to the lmpoinnent or 

### Lendor'B lo!OreSI in !he Propc:ny 

# = be.eby assigned and sball be paid 10 Lender.



# 0&,-<IA(Ilq (""""J,OI ctiL**(l~tj** ""'"7ot12



## Austin Data Inc. TH ADI11909 TR 2003260223.007


# 53 

# 53

### DOC ID 

### 4: 00004597892810003 All Micellaneou& Procet:ds that 11<<> not applied 1D tc:o10r11tion or repair oftho Ptopeey &1!1111 be epplicd itl the order 

### p10vided for in Se!:tiOil 

### 2. 11. Bortvwer 

### Not Released; J!'orbe.n'ance By 

### Lender Not a Waiver. &tenSion ot 

### !he time !or paymen1 or moc!llicalion ofamOltization**of~~~~** sums 

### iiOC1.I!Cd by this Scturi!y 

### lnstnnnont gmrucd 

### b,-**Lc~det** 

### 10 

### .B01rower or any Sucussor in Intcresl of Bom>wu sball not opelllle 

### Ul**rclea~ ~**  

### liability of'Borrowu or any Sut:CO$SOIS in 

### Interest of 

### Bo;rowcr. Lcndct 

### Mall net be requirtd 

### 10 rom-**~og&** 

### against: 111lY Succcasor 

### in 

### l'ntcN&t 

### of Booowcr ar 10 

### refuse to 

### ex

### lend time !or 

### PllYil'l'lrt at 

### othuwisc modify**~lion** of !be Slm'l3 

### =11!00 by lhls Sccority Jn:itnunC<It by**~** oflillY rfemaold made by lhe origjnej Bon:ower or 

### any**Su~** 

### hi 

### Intcre&t of 

### Bouuwct. Any**fo~** by 

### Lcrulcr iD**cwcisl~~g** 

### any rigbt 01 

### remedy indnding, without 

### lialilalkm, Lcodtts**~** of paymelll$ nom thitd ]lersOll8, Clltitics. or Sue«MO!II in Interm 

### of 

### Sllrrowcr win amOUDIS 

### Jess lhliD IlK> UI(JUtlt 

### men due, shall 

### not bo 

### a waivcc 

### or or 

### preclude the exen:lse of

### any light 0t 

### remedy. U. Joint allll Smll'lll L.bddl.ily; Co-slgueal; SUca85otS aod Assig!IS' 

### Bound. 

### Borrower covenaniS and**BgrCe~Jiflat** 

### Bom>wet's obligatlons and liability 

### 8ball II$

### joint and 

### se.oeral. However, any BO!IOWcr wbo co-sigas tlli8 

### Seauity 

### Insliiiment bur does net**~** tile Note (a •oo-sigocl"): (a) is co-signing !lliB 

### Sec:utity 

### lnslromenl only 

### to**~** 

### gt!llll and 

### ronvey lbe co-signer'R 

### inlM:St 

### iD 

### the ProJli!I!Y 

### under tile**IC~lil$** 

### of this Scauity**Ins~** (b) is PQI petSOillllly obligated 

### 1ll pay the 

### swns =wed by this Sel:urily 

### fnslnuneor.; ond (c)J!3lCCS lila! Lend«and 

### ooyolherBmrowercan agn:c to mend, 

### mod'lty, fotbcarorraakc 

### any**JlQCOilUDOdati~** witll**~** 10 the: !M»t of tlll8 Security lll$ltllt0Ctlt or dte Nose 

### wi1ho»t the oo-algnc:r's eonmmt. Subject 1o !he provisions of SccliOn l &, 

### any SnC<:<:SSDr itl In=t ofBorrower who**~** BoD'OIVd's obligalions llltdcr thi$ 

### Secwiey Imtrume:nt in ....nting, and 

### is approved by Lmder, shall 

### oblain all 

### of Bom>wer's rights and 

### bcncfiur under 

### this Secwny Jnstrument. Boaower sh>lll liOt be**rcl~** 

### from B(U20'1Yet's obligaticms and 

### liability under tbis Security flll!!mmenl 

### nnle&'l Lerulcr**agn~CB** 10 

### such 

### .rclea.w in writing, The 

### covenants and**~ts** of 

### tbls Security**J~!** 

### sball bitxl**(e~l** tiS provided 

# m Section 20) 

### and 

### bendit lhf;**~** &fld essigna ofLender. 

### 14. Loan Charges. Lender may dlarge 

### Booower t'ee8 foe**servi~** 

### periOIIIII=d itl 

### connoc!lon wltll 

### Bonowet's**ddlllll~** 

### Cr:rr 

### lhe JllllPO$O 

### oC Jl!Qiectinr 

### l.c!det's ll\tere8t 

### in !be 

### Propoey and righla 

### under this Secorlty lmtnml::nt, I!ICludi:ng, bel 

### not limited ro, attom<>ys' 

### fees. property inspection and va.'ut.tiOtl !t1es. In**~d** 10 any Otbt(' fees. lbc: absence of**eeo:pn>.~** aulhoril}' in Ibis**S~ity** ImuumcuL lo d1atgc a**~fie** fee 10 BO<roWet •hall notbe 

### c:ontMied**a.~** a p:rokibilion ou me chatglng of

### such fee. l..efldcr may r.ot charge: fees 

### !bat 

### arc**ex~y** 

### prolllbiled by dlis 

### Seeuricy IIISil1lliiCitl ot

### by Applicable Law. If the Loan is ...qjtcl tc> a law wbioh scrs maximum loan cfte.rges, and that law is 

### fulafiy interprel::d &o 

### that !he**in~** 

### or odler loaa chatgcs adle<:ted ot 

### 10 

### be roUCCled in COI>Ue(:tion wilh !he 

### Loan exceed the 

### pcnni1tcd 

### llmiiS, !ben: (li} 

### any sach loan charge slutll 

### be reduocd by**~** ll!llO\IIIt 

### necessay 10 reduce 

### lbe c:hargc; 

### to**~ pc;nnii~M.**  limit; 

### and (b) My 

### SUJ'IIs 

## emacy collected ftom Bonowcr which 

### e:<eeedtd 

### pcnnitled limits will be 

### refunded to 

### Borrower. Lcndet' 1>13}' clJoose Ill 

### make 1hi8 rafilRd by 

### rcdul:ing tho 

### Jlrim:ipal owed 

### Wldc:r lhc NOie or by 

### making 11 direct 

### peymen1 10 Bmrower. if

### a refund 

### redllCCi prlm;ipal. 

### the rcducdoll will be**~ ~**  a partial prepayment witbollt 

### any prepaymenL 

### charge (whclher or nQt a JNCP8YJllf:l1t o;lwge is provided for unlkr !he NQte). BorroW«'s**~ptame** ot a:ny well zc(imd made by di=t 

### payment 10 

### l!on:uwcr will eons:ti!LIIil a waiver 

### of any right afac::tion.Booower might haYeaming ootot $1Cb ovctdlii!&C· 15. 

### Noticet;. All OOiio:s 

# an- by 

### Bonnwer or 

### Lemler In 

### WPneclion with !his Security 

### lns!Iwncnt ntust be in wrlllng. Aey nOlice 10 Bonowcr itl COIUltlCtion wllb lllb SOCII.rity ln8trumcnr sball be deemed 10 have been given !C BQn'ower wh¢1> mailed by fimt clno& o>ail or wllcn actually dellvercd to llonower'a notice 

### addrcas 

### \f scat by otlter aJC:allS. 

### Notico to any one Borrower shall consthute notioe Ill 

### all :Bon:et\\'C{£ unleliS .Applicable Law 

### expressly l'eqUi.:es**othcrwi~** 

### 1be lltlllce 

### address :sllall be 

### the Propeny Address 

### um= .Borrower has**d~ted** 

### a substitute noli<::c**ad~** by 

### notice to Lcndct. 

### llorrower shall pt0<11J)Ily 

### notify Leader of Bcmowttii ehanga cf 

### addtess. If**Le~** specifiCS 

### a jliCICCd1ue 

### (or repodiog Borrowen c:bange 

### of addri:M, tltcu Bo;rower sball 011ly report a 

### change or address 

### Jhlcu8b thai. spt:e:ificd procedllte. Tltcre may be 

### only 

### one desiptalcd nolke address 

### Ull<lt:r Ibis Sc:azrity 

### ln$tnlment**~~** 

### ""Y 

### one time. Any 

### notice 10 Lender 

### shall bo given by 

### ddlvering k or by 

### mailing 

### It by fimt 

### elMs. mailiO 

### Lencfer'a address 

### 5lated hetein 

### unless Lc:ndcr 

### bas designated 

### anodler address by nOiice 

### 10 BortQwer_ Any uoticc in 

### coanection wiU. 

### this SecuritY lnsll'llmCIIt $111111 not be deemed 

### 10 have been given ro 

### Lender 'llntil at;tually 

### J'e(:Cived by 

### Leodct-. Ifall}' 

### notice r.quired by !his**~ty** 

### ln6tnltnent ia also**~~Applicable** 

### law, die Appli<'>lble**~w** 

### r•r=ent 

### will sali$fy tJie**~Oil(llug ~lllllderllliBSeeudty** **1~1.** 

### 16. Governing**La~** Severability; 

### Rule.<i 

## orConstrnetion. This Security lm<u<nenlsha!J be 

### govc:med 

### by**f~** 

### law alii! !he 

### law of the 

### jm:isdiclion in whiCh !he Property is lOC8ltd.**~U** 

### rigbts 

### lind obligallons eoBISincd in this Secwity Instromcnt me subject to ""Y reqllin:Rlen!s and 

### Jimilations of AppJ;cawe 

### Law. Applicable Lllw might 

### explicltly 0t 

### implicitly allGW the pnrtics to 

### agree by 

### con1n>ct or it 

### might be**silt>~~,** 

### but**su~** 

### .Uenee sballno\ be 

### <XlllSirued 

### as a prohibitioo. IISIIiml**~** 

### by oonrna.. In 111e 

### .went lbal 

### any provision or clause of

### this Sccurily 

### ln.'tnllllentor tho 

### Nom conflicts with Applicoh!el.aw, sucb oonftiotsball 

### not affect Oilier 

### provisions of Ebl• 

### See11ri<y InsiiUmenl or 1hc 

### Noro whicb ean be 

### given 

### cffeet wnllout tho 

### COIIllictin£ provi6i<m, 

### As used in thi& Secmity**~t** (a) words 

### or lhc llliiSIC1dine gc.ndec 1hall roun and inc:lude**~Oil'""!'(lnd;ng** nemer words or WOlds Qf tlle feminine geruler; (b) wolds in !be singular $hall m""'' and**~~~~.lhe** pln aq(J vice versa; and (c) lhe ward "ma.y" give& tole discteQ.on wilhout any**~lion** 10 

### take any ac!IOD.



## Austin Data Inc. TH ADI11909 TR 2003260223.008


# 54 

# 54

### OOC IO 

### t: 00004597992810003 17. BDrtVvrer's CoPf. BOCI'Owcr 

### &htill. be given one copy cfthe**Na~e** 3lld oftllisS=nity ln&n\lme'IIL 18. 'l'nu!ifer 

### Of tbe Property Cl1' a Benefidml lnlen!st 

### In BOlTIIwer. 

### As 

### ured in lflls 

### Soction 18, "Int=t in !he 

### PropeltY" means any legal or**bcneticiallnt~t** Jn**lh~** 

### Propcey, Jncluaing, but not 

### limited to, diose beneficial int.M:sts IIl!IISfem:d in a band 

## toe deOO, Ol- 

### /Dt 

### deed. inBial.IITl<IAt salea (:(mi<8CI oc


### escrow agT'CelllQl!,**lll~inteDtoiwbich** 

### is the 

### tnwteroflitll: by 

### Boaow«at a 

### !Ilium**d41$tOap~r.** If

### all or any Jllllt of

### d1t: Property or any lilterest in lhe Prope:ty is sold or lrnnsferred (oc if Borrow<t h not a nataral per:ron and a "lxo:lcficial illlccest 

### in. :Soll"Owcr is 

### sold or 

### translem:d) wi!bouc 

### !..e<IWR prior wrilten con.cnt, Lcmltc 

### may 

### .-.:quiw**lm!DCC~iate ])li)'Uiell~**  

### in full 

## or all 

## sums sewred by t!lis 

### Scw:i'Y**lns~tUmeDt.** ffilwetef, 

### tl1ia option maU 001 

### be =ised by 

### Ltnde< if wclt**~** 

### it prohibited by Applicablo 

### Law. 

## rr lM1d« 

### exercises lhis opliiln, 

### tender 

## shan giVe Borrower 

## notice of 

### accderation. The 

### notice s11811 provide a 

### period of not 

### lee& than 30 days from lhc data !he 

### IIOik:c is giVCD it> occordance with Sel:lion 15 wilbln 'Mtich Bor.rowet Dltlllt

### pay alllMIIS 

### &eC1ItOO by Ibis 

### Security JilstMncnt.lfBoaowcr 

### llrils 10

### pay 

### these

sums ptiot 10 lhe e.xpil'!!liOII of lhia geriod, Lender 

### may invoke 

### any N=metfit.ol J)tnnilted b)' !Ills Security**It~sttumeot** 

### without foo:thcrnotice or demand on BotroW('t. 19, Borrowm'll 

### Right 

### Co RuiDBfale 

### After Aecdera&n. 

### U Iloaowe. meets cenaJn 

### corufiliOPS, 

### Borcower shall have the 1ighl: In 

### have enforcement ofIbis Sccv.dty 

### hJ-ent disconllnned at any 

### lime prlor tD lhe 

### cadiest Df: 

### (a) live days be.fOR' 

### sale of lhe 

### Piope:ty punmanl 10 lliiT 

### power of 

### SOllo contained in this Security Jmlnmlent; (b) 

### sud! 

### otbet period 

# a.' App1icablc 

### Law might spccll'y for 1be taminallor! of "6()1ll)wez'a right m reinlllatc; or (c) em.y 

## or a**judgroa~t** llllfcreinJ Ibis St:eor\ty hl..'<II'Wiienl.. 'Those c:onttiti.oos · aiC Cll8l**Bom~wcr.** (a) P"l'S Lender all sums wbidllhell 

### 'WOUld be due om1cr this 

### 5eci1Iil)' III8U'tliDCilt and Ule NolO "" if1111 accelemdon bitd occum:d; (b) ewes any *ll.olt ofltlly otbeTcovmants or agn:c:ments; (e) pssys all apcnsos**~** 

### in enforcltlg**lhi~ S~IY**  Ioaaument, incltlding. but oot funi\Cd. 10, reuon.ablc 

### a1tcr0eys' r...., property**~01\** and 

### value !ian fees, 

### acd other f= iiiCUned 

### for the 

### pnrpo.., of**protcclin~;** 

### LeDdets 

### inlero:st in**~~~~** 

### Property and. rights**un~cr** 

### Ibis Securil)' 

### lnstnnmnt; and {d) 

### takes 

### mob acdon as Lender 

### may tea.'IOnal'lly reqllite m 88Silre !bat Lendtt's**~in** lhr: Propclty IWII rigllt:!l lllldeT 

### 11!18 Secu.rlty lnslnmlent, and 

### lloaower's obDgalion 

### to pay lhc**Sll~** 

### seenred by this Secprity**~t,** 

### shall oon!lnuc DDChaoged. 

### Un;:1er 

### may require lb8l JIOtl'OWet pay 811Ch 

### reinsta-t 

### mms and 

### e><peDBes in**on~** 

## or mme of 

### lhc ronowmg fonns, as selected by Lender: (a) cash; (h) 

### money order, (c) 

### wtitied ell<dr, bank chcct, ll"e:iiS1IM's**~or** .:ashier's check, provided any sucb cbcc:k in drawn 

### upon an lnslitulian 

### wbmc deposil!'" insureo:l by 

### a fede<al**~.** 

### io:ltruml>nlllllly or cality; or {d)**Bl~c** Plmds 

### Tr.msfer. Upoo 

### rein.statemr:at by Borrower, this Security ln&fniDICnt and obliptio.os**~d** hereby sballiCillBin fully**~vc** liB 

### if no acooJCtllliooluld occurred. Howe"Yer, this right 10 rcinstata sball not apply in 

### die cane of aculeraticmtmder Section 

### Ill. 

## :ro.. Sale ofNote; CJumge 

### of Loon: Sel:"rittt; 

### Notice of 

### Grievam:e. 'lllo 

### N01e or a pan1al 

### intcr=st in 

### lite Note (togelhel: 

### with dlis Seauity lnalromcnt) t:a11 lle 110ld one or more times 1'6thout prior DDilec 10 BotrOwer. A 

### sale might resPII 

### in a change in lhe 

### entity (known"" llle "'Loan Scrviccr") that co!Jecl! Periodic Paymc>11S due undCt lllc N01e ami Ibis 

### Security Jru;IIlimcllt and pafonm olbe!: m0t1g3gc loan scrvicitrg obfisatlon$ uadez the Note, thin Security 

### Instrument, and Applicahle 

### Law. There 

### also migbt be oae 

## or mot<: change8 

### of lht: 

### Loan Se:vWer**~~~~Rlatc:d** 10 

### a sale of 

### rite Noce. If lbc.n: 

### is a c;lmngc o(**~~~~** 

### Loan ServiceF, Borrower will be 

### given written OOiicc of the 

### change whidl will Sll!C I& 1llllllO**and~** of 

### tbc new 

### Loan Sl\1"\>lccr, the**a<!~** 

### 10 which 

### payments should be Dlade and 

### allY cillcr illfOOilalion RBSPA**~quires.** in**COII~ttoa** wilb a 

### notice 

### ot 111111:1fet orsenicing. H the**No~** Is sold 

### and 

### theteaftez llle 

### Loan i$ setviced hy a Loan 

### ScM=- olh..- tmm lhc pn.rdlaser ofthe NOle, liz rnonpgc Joan IWVicing**obligalioa.~** to Bom:>wcr will**~** 

### with 

### me. Loan Servi<:er 

### or be. l!IWfetred to 

### a sncces&OI: l..Dlm 

### Sem= Md are not 

### assumed by the Nore pui"Cbll....,.unl= othe(wlse 

### provided by the**Nom~ ~iller**  

### Boaowea- 11or 

### Len4er msy COIUIIIIlllce, join, 01 

### be joined to 11%1)' 

### judicial action (as cilhcr llil 

### individual 

### litig110t or the member of a class) that 

### ari&es from the. 

### other party's IIClio.Rs**pumlf~Bt** 10 lhls Secnril)'**Jnsuum~:t~t** or 

### chat alleges !bat 

## w other party lUIS 

### bn:a<:hcd 

### any proviaio11 of, or 

### any duty owed by I'CII$011 of, 

### this Sewdty 

### 1I151rument. llJltil s11cb :Bpnowcr or 

### Lem!et bas notified 

### lbe Olher patty (wilb such nodco given in compliilncc with 

## me n::qairctnents of Secllon !5) of Bllch alleged broacb and afl'ordcd the olher party b.erelo a re<IS1nlable> 

### period llilcr the giving of such notice 

### to take c:orrceUvc aclion. IfApplicable 

### t.aw provideG a**ti~** peOOd 

### which muat 

### a.lap$0 befure cttUrin action can 

### bc.laken, that time 

### period will be dcclncd to be**~90nllble** 

### for pwposes of this paragrnplt. The 

### notioo of**accdet>~tion** 

### and opportunlty to 

### rore given 1o Bono..,... pllt5ll8nl to Se<:lion 22 and the IIOiicc of accelesation. given IQ l3orroWtt" purwanl 10**~on** 18 

### shall be l;fccmc4 k> satisfy !lie notke and OJljiOltW1.ity 10 lako COJroetive accioJI**provis~** of this 

### Section 

### 20. 21. Hazardous SldJBlantcS. As used 

## m Ibis Sccli011 21: (a) 

### "H.azatllous**Su~·** are thooc substances defllled as IOltie or hazrudous subslance.o;, poUul:lnlll. ot

- by EnYirontucnlal 

### t.mv and 111e 

### following mb&lllllc:es: gasoline, kerosene, other flanlmabJc 

### or lm.lc pclrolewn**pll)dntt<~. ~oxic**  

### pesli1:ides IUld llctbl.cides, YOialllc solvents, ma.tcrialll ronJaining**asbel!IO~** 01 Corma!llebyde, md radioaclive materials; (b) "Eavironmenml 

### taw• mcam**f~** laws and lllw:t 

### of 1t1e jurisdiction 

### W1lero the Propetty is Joca!Cd 

### !hat n:blol lo 

### m,allh. safety cr**environmcn~:~~l** p.tO!CdiDP; (e) "E!zn?ronmcnllll C!eamlp" 

### includes liD)'**~JlOI!S"** 

### actron, rc:mtdilll atti011, Ill"**~** 8C!loo, 

### an defined 

### ln l!nvitonmental L:a.w; 1111\l (d) 

### an ""E.nvirOllrncntlll Condition" mBIII1B a conditioD IIW can canse, oontrlbutc to, or otherwise lliggcz:llll Bnviromncnlal Clcamlp.

PageSCf12'



## Austin Data Inc. TH ADI11909 TR 2003260223.009


# 55 

# 55DOC to f: 00004537892810003 

### llotmWI:t' sball not cause or penni! 

### the pielencc, 

## use. disposal. storage, 

### o.r release of 

### any Hmwdous 

### Snb$tanccs, 

### or threatM ID 

### !dcase any Haurdous:**Subsla~S.** 

### on OI in 

### the 

### Propeey. Borrower 8ball 

### not do,
nor allow ooyooe else 10 do, 

### anytbing at:fectUig 

### !he Property (a)**1~111** is in**~** of any l!<lvironmemal Law, (b) 'l"bicb cteale$ an Bnvironmealal Contlition, 

## o.r (c) whicb, due: 10**!be~** liSe, or rete= of a Hazaroous Svbs!Bnce. crealeJ a 

### condition 

### !bat lldvcGcly al'l'ects**~~~~value** of the Ptopmy. Tho p=edingiWO 1\lenle!lees llball not 

### apply 10**~ ~**  use, or 

### stor1J8C on 1he Propeny of**~I** q11lllltities**of~ ~=**  

### lha1 

## are. genendly JUOgnjzed 

### 10 

### be 

### approptiale Ill lllllll'llll resldclllial 

### uses and to maintenl!nce of !be Pmpt:rty (Including, bul 

### not lirnilcd 1o. baunlous &nbstances in**~** prodoots). 

### Borrower shaU 

### promplly give Lt:nder 

### written 110tice of (a) 

### any im'CS11galion, clllim, demand, lawBUil 

### or o\bcr acli011 by 

### any ,&OVCI!llmntal 01 regiDmtJil' 

### l\lltncy OI privale JW'I)' 

### involving lbG P.opetty and any 

### Hiliadou8 SnbsUmce or EaYimmnental Law Df 

### wbicll Boavwer bl!a tel\lal 

### lrnowledge. (b) 

### any Enviroonxenral 

### Cnndidon, including btn oot limilcd 10, aqy sp!lliJlg, !caking,**cti~** lclc:asc ot 

### lbmu of**te1el~Se** of 

### any**~ Substan~** **~** 

### (c) iltCJ 

### condiliDn l:lii1Sol! by !he pr=;nco, "Q3a 

### or rc1casc of 

### a Hazardous S1lbstance wllidl.adve.mly 

### afreels me vai!IC of !he 

### PrOpcrty.lf Boll'Owetleams, 

### or is OOIIficQ by 

### any govemmenlal or regula!Dry aulbority, or 

### any private party, !hat 

### any r=lrnll 

### or other remediation ofany 

### Hazatdous**Sabsla~** afftcliPg !be Property Is 

### necessary, "Sonower shall piomptjy 1&kt;. 

### all n=aty temtdlal Ill>

### lion., in accordance with 

### Ellvlronmentld l.llw, 

### Notbing bezdn 

### sllall**cre&~e** 

### any ob.liga!ion on Lender 

### for an &vitonmcnlal Cleantlp.

NON..tJNIFORM COVENANTS. Ronow« and Lender further covcrurnt and agree 1111 follows: U.**A~OII; ~eg.**  Leuder &baU 

### sire notk:e CO Borrower prior CO A<leden>tion 

### followiD&**~!on-ower's ~**  

### or any oov-at or agrtt:mtllt ln 1hil So=\it;y hJsttoumetd (bu.t il<>l 

### prior 

### to aelllelerafion aader Sedion 111 nnless AJ>pliable Law**p~** 

### olhenotse). The**nGI:ie<~** sllallspeQtr- (II) the default; (b) the action reqtlired to core**Ill~** c'!t!la1Jil; (e• a date, 

### ._,t less tban 30 

### oi"J'llfrom file da(e Ill& 

### oolke 

### is gi.\W 

### to Bmwwer, by 

### whkh the deflm11 miiSl be cum!; lll>ll («} that failure ID 

### wre the del'mlt on or before fhe 

### date specified 

### in the 1101ice 

### will result 

### i:a**~Ci011** of**~be** SlimS**~** by this 

### Security wtnnneul and 

### sale 

### ol: the .l'ropa1y, 

### The 

### POllee ihalii\JI1bel'**i~** 

### Borrower 

### ol the rigllt 10 

### reiastate 

### afte:l' a<:celualiou and the righlto 

### brill&" wort "c:tloft to usert

### the**~Wncc**

## or a de:DinU 01' 

### any olller defmse or Borrower to 

### accdera1ioa alld sale. lr 

### the default 

### Ill**ao~** wrel1 

### on or 

### before Ole date apedned iu 

### the nolief. Leader at 

### Its opfion may requ1ra

### bnmediate papnertt 

### In 

### fUll of all8fDM**~by** tllia**~ty ~**  wilJurot**~ ~**  aod ma;r invokl! tbe liO'Ifet' of**.e~~~** 

### and 1011 

### other**~** 

### pel.'lnltled 

### 1l1 ApP]H:ftble 

### Law, Lender 'hall 

### be mOOed 

### to rollect 

### an apetlSe9 ilJCUl'ftd in pnrsuine the .-ellledies pro-.ickd ill this Sedion 2.2, iudndlug, bot not limited to,**~~** 

### atl!otmya' fees 11od 

### oosts of tllle erilkaoe. For 

### the purpo9011 uf' 

### this**~** 

### u,**1h~** tenn "Lemler" htdudes m17 holder of the Note wbo b earitlecl to .......Jtc pii)'Dlellls
......, the Nok. 

### tt LeDder .!Dvokes 

### lhe power of 

### sde, Lalder or 'l'rn$tee 

### $hQD lli'fe nalic:e of 

### the liule, ptaee and lenno of sail: by p<)8ting lllld.l'illng the uotice at 

### l<:ast 21 days prior to**~** "" pt"C>Vided by AppliCable 

### Law. l..el>der sbaU m111111 ClOJIY Qf lhe notice to Bonnwedn the miUIIler' !lft8CI'Ibed by Applialbk

### Law. Sale shall be lllBde al public Velllle. The sale JIIDit begib at the time Btl! led in**lh~** aoliee of 

### sale 01' not 

### biter than thNe I!Qurs 

### after 

### tbat time and betwten 

### die !lours q(

### l61Lm. 

### lind 4 p.m. on the

### fint Tuesdliy 

### or the ll1lliUII. 

### !loi'I'O'I'rel' a'llthodres 'l'rll8tee 

### to iH!ll fhe l'roper1;f 1o 

### the higllest. 

### bidder

# rw cash in 

### one OI' llWte 

### pal'eels aud fD any 

### or-der l'niBtee 

### de1erminos. Lemler Ol' 

### lis de!ligrule**may~** 

### !be Ptoperly 

### atanysale. '1'mstee sbalJ deli>= 

### t.o !be purdi-.-Tl:asla:'s deeO <!Oin'e]'hlg**~title** ro the Prol'ft1r 

### with eoverumts of gmeral 

### wamuuy from 

### Borro"WP". Botrowrr covenaals 11ttd agrees 

### to cld'eud &eneraD:r lbe**~·s** title 

### t.o IJie l.'toperty against all dalmoo and 

### detnall.ll& The J'U!ifaJs bt lbe Truslee'v deed aiaaD 

### be pdma facie cro!dwee of 

### the b:uCh of the statemeols made lb..-eiJ>. 'l'ro6lee &ball 

### appU< tb0**p~e<ls** 

### oftbe lllllt 

### illllle .rotlowhlg ard!lr. 

### (a) 

### to 

## au Q(>e'DS"' ofthe 

### sate, Ioclnlting, hut not lin>itecl to, reaaoaahle T.-vatee'll siMI.**a~torne:ys•** (011$1 (b) 10 aD SlDtl!l secured by ibis Se<:Urlty Jnstnlnleul; arul (e) any exceos 

### to fbe person orp8'&01181egallf en!lfled Ce 

### .il. lrthe 

### Property ill 

### sold. put&Uo&ut 

## to IbM 

### Sdoa 2Z, 

### Borrower or any ptii'SOII 

### boldJD!I**~** 

### or Ute Property**~** Bomlwer shsB bnmediately Sllrl'ellder posse6llloo. 

### at the Properly 

### to the 

### pnrdlaser at tllat sale. 1r posRjiSion .is 

### not st>rtemlered, Boml'l'l8' Ill" 6lldl {IH50II dlllll be 

### a 

### tenant at &ulrel'llllte 

### aud IIIIly be 

### remm>\ld by 

# .mt nlpo-mo or 

### othet o»rttt proceedialg. 23. Relean. Upqn P"Yment 

## or all sums secured by lhis securily**~e:nl.** Lcnda shall provide a 

### tclea9e of 

### tllis Swui.ty lummncal 10 

### Boaower 

### ot**~rroMr's** 

### designBilld agent 

### in acootdtlnce 

### with Applicable 

### Law. Borrower !hall pay uy recordation costs. Lcndu mey**~** Boaowcr a fee !01' releasing thl$ Security 

### Instrument. but only 

### ;r the fee i• pad to a 

### third party 

### for scrviQes rernlcred and 

### the l:J:wgicg 

### of the fee 1$ 

### penn.iUed under Applicable 

### Law. 24. Snbstil.lite**~** 

### Trustee Llabl1il1. AU riglus, n:medic.s and dllti<::s of Twslce under lhls Security Instrrunent may be cxcn:is.:d or pez{onmd by one or lllO!e 

### trusteos acting alone or togelbct. Lender, 

### at its option and with 

### or without cause,**~** 

### lrom lime to time, by

### power of 

### attomoy orotherwise. 

### remove or 

### sub8tltnle any llUSiec, Jldd**one~** 

### more llUSiccs,. 

### or appoint 

### a successar ttostoe 

### to 1111y**T=~ee** witbo1llthc III'C'e!ISily 

### of any 

### formalil.y ot&el- 

### !han a designation by Lender 

### in writing. Wilhom any further 8Cl or convcyan<:o of tile Property the**sabsll~~m,** addiliodal at sucoossor l(llf;lte sba1l 

### become WST.td wish !he title, ri,ghl8,**~dies,** powers and 

### duties conferred upon Tmstec herein 

### 1Uit! by 

### Appllt:able 

### Ltlw.

# 1-.:--l..,_~.**Peg~t10crf12** Fonn-11111



## Austin Data Inc. TH ADI11909 TR 2003260223.010


# 56 

# 56

### POC XD f:**0000459789281~003** 

### Trwnee 8hall 

### not be 

### liabl& lf BCtlng 11J1011 

### aoy 

### noDce. tc:qllest, COI2$CJJI, 

### demand, 

### staremcnt or odle:r**d~t** belie\'ed by 

### TIUSteO 

### to be Con'ccl.**~** shall nt'lt be 

### liable 

### fat MY act or omissillll**~~** 

### such
ac1 

### or omiaslon i& willful• 

### .25. S11llrogatioc. Any of the 

### proc:eedJ o(the**~** 

### used 

### to take up 

### ontstandblglic.ns agaiDSI all 

### or any 

### part of 

### die l'l'operty b1111e 

### been acfvanccd 

### by 

### l..cndet at Bormwc{s**~** and upon Booowcr's 

### rcpreseol81ion that 

### such IIIIIOUIII3 

### are due**an4l~~re** 

### secured by 

### valid licml 

### against the 

### Property. Lemler 

### shaU be subropted to 

### any and 

### all tights. 

### sapcdot titles, licnli 

### aad equities owr.ed 

### « tlaimtd by 

### any \'>woe< or lmldft 

### of any 

### OUISill!ldiog liem and debt<;, 

### Ieglll!jlcs:!l of whedter 

### !8111 

### liens or debtS 

### are**~** by 

### I..entier by assigi!IQCiltm are 

### messed by the holder !hetcofupon**paymes~L** 

### U. Plu1l!ll Jnyalldity. 

### Ill tile event ad)' 

### p!)J1ion 

### of !he 

## sams lnttnded to 

### be 

### secnrt.d by !!lis 

### Sccnrily**In~** eaoDOl be lawfully**sc~** hereby, paymenlli in**~on** of such sums sball 

### be applied 

### first 10 those 

### portions oot sccwed 

### betdly. 2.7. Pun:ltase 

### Money; Owelty of l'ar'liUon;**~ and~**  of lJellS Agalnrt 

### Home'itead l'ropet1y;**~eut** 

### or Cash**All~** Agaimt**N~tQo'flOJDestead** 

### l'foperty. Cleek box 

### as applicable: 

### !.Kl l'llrc::lu!e 

### Moaey. The fi:tuds lldv:mced 10 Borrower lllldcr !be Note wore used 11> pay all or pai! 

## or the pwcllase price of the Property. The Note also is prlmarl!y seciii'C({ by lllo VCDdar'albm 

### .relllincd in !he deed of even da!C 

### with !his Security Iosrroment conve.yjng !he 

### Propeny to Borrowtt,**w~ich** vcndcr's lien bas 

### boen ru;sipcd ro Lmdtz, tllill Seeur:il,y lnslmlnetlt being sdditinnal securizy COl" web vendOI'slien. 

## D OwehyofPartllion. The Note -"'PJ=IB 

### funds advanced by Lcoldcr a11be &J)IX:ial. instMce and request ofBom>wcc for the 

### purpose of m:quiring lhc enllre 

### (ee 

### simple dUe to db, Pcopt:ty 

### 1111d lhe**~** of "" owelty 

### orpllrtitlon imposed against lho enlin:ty oftbe**~** by a court o.rder Of" by a written agm:rnent of 

### the- parlies to lhc**~lion** 10 

### secure lbc pa)'lllellt 

### ofthe 

### Nore is ezptcS!!Iy acknowledged, 

### c:oafe.'llltd a.'ld gtiWe<l. 

### 0 Reuewal 

### and

### Ex:teuslon otlJensAplou Bom.eslead Propaiy,**Th~** 

### Note is 

### ia mtewal and r:x1ension, 

### llut nat 

### in extlngoishmf:nt, of lhe**~described** 

### on liiO allllchcd 

### Rencwlll and PJttensioo 

### Bxhimt which is incospQratcd by .efe!Uit:e. Les!de£ 

### It e.tpressly subro.gated 

### 10 all rights, 

### liMs "3J!d 

### remedies SllCVtlng 

### rhe original balder 

### or a note 

### mdencing Bornw,oe(ft**illelcb~e&~** and the crlgiwllli¢ns 

### seol<ing the 

### indebtedness 8l1e renewed and 

### wended tG lhC date of w.rorlty QllheNo\e 

### in renllWal and cxte.nsiOII. 

### ol.lho indeblednC3S.**DAckno~ofCashAdV8JJCledAgaiostNoa-HomesfeiHll'rop:rty.** The Nolt n:prescniS 

### l"usllh ;tdvllll(:l;d 1o Bwrow.:r oa rh.is day 111 Bouower's tequ()S( mtd Botrower 

### acl<nowledges receipt of Sllcb fun4s. 

### Bcnower staleS 

### 1ha1 Boirowcz- doel;

### not JWW 

### '8llli does 

### not in1Cnd 

### C'ler to 

### resldo
.,., usc 

### in any manner, or claim tbe Property 

### secu.red by lhb Scc.ttrlty 

### lnalrl!mcot as a business or residelllial homestead, BOltOI'ICf disclaims all 

### llome&tead tighm, im=ts 

### and**~emptions** tclallld 10 lhc Ptopcny, 28. •...,..., Not a Dome l!q1dty L(Jan. The Loan eYidelKed by 

### the Note 

### ts Doi an exlet!Sian of (.rCtfit

as deliPed by Secllan 511(a){6) or Stdioa .5lJ(a)('7), Atilcle XVI, 

### ttl. !&e T- Cotvllitullao. H flu: 

### l't-opcny is lllillCl 

### as Borrower's residence. tbi!ll 

### Bomnver agms that 

### Borrower 

### ril rec:tivc no eash li"Olll llle Loan evillwoed by**theN~** and 

### that an,y adTlliiCe$ not 

## -rrto plm:hMe the 

### Property, 

### exlillgalall an owelty 

### lieu, COJDplete 

### to!ISiruelloa, or l:'ent:W 

### t.IIIJ 

### ex1eiiJl a prior 

### lien against 

### tbe l':roperq>, trill be 

### llSed 

### to reduce the balao<:e 

### tmdeoeed by the**No~** or sat:h 

### lAian will be 

### JOOdlf!ed. 10 eoridence fhc COJnd. LoBD balance, at Leoulers option. Bon:tnrlO:' agn:<:s to

- an,y dOCIBIIeUI&tion l1flleSS8I'J' 10 comply with**~** Sa:lion 28.



## Austin Data Inc. TH ADI11909 TR 2003260223.011 

# 57 

# 57

### DOC !D t: 

### 00004597892810003 :BY SIONDo!G BELOW, :Boaower**~IIi** and agr- 10 the lemlS and ooveruutl8 oonlalned 

### in tills 

### SW!rity**~t** and 

### in 

### any RidCl'**ex«~~cro** 

### by Bonowcr**endr~** 

### with 

### lt.**STATEO~TEXA,S** Coll1lt)"**ofT~**

### -------------~(Seal) -llom>wer

# ---------------------------<~ 

# --**----------------------------~~)** 

# --

Before

# meW~ 

# \-klt_

01> ibis ilfly**~Uy** 

### appeared 

### L<Ult'\z..t**G..c..f.Z.t.l~** 

# • ,l:nowntoms 

### (or 

### proved 

## lll.ll1e on the 

### oal!l of 

## QJ.P or dutmgh

### ~**w~** 

### I
,,., , L } 10 be lh¢ pmlln

### whose**nt~me** is 

### subse:ribed 1o 

### the f<Kego\ng**~** utuJ 

### acblowledgeq 1o 

### me dul.t helsheJ riley ex<=led tb6 ssme ftlr d>c Jl<liilOSC'I and CODSi • lhenrin 

### cxpn:ssed.

OiveD 

### un<lcr 

### my bQJIJ and 

### Delll 

### or

## om~c this

## ~! 

## s 

## c....fo

# bu- ;;:.o53

(Seal}



### My Commission Bxpires:



## Austin Data Inc. TH ADill909 

## TR 2003260223.012


# 58 

# 58**----------(SpacoA'-"'I'IIIILlo.For~D>lo)'----------** 

# FIXED/ADJUSTABLE RATE RIDER (LJBOR TwelveMonth Index • Rate Caps)



### 1410-0423

l'Icpared 

### By:



### 03-015275**(Es~ow/Clo~ing** tl 

### 00004597692610003 {Doc lD f)

l1DS PDOIDIADJUS'l'ABLB RATE RlDSR js made 

### !his THIRTIETH day of 

### OCTOBER, 2 0 0

### 3
, and 

### it in001p0rntcd 

# mro ilnd shall be d=mcd 

### ro anlCIId and 

### suJlP!elmftt the MO!tgllgl>. Deed of 1'nlst, or Sa:urlty DW1 (!he "SCQ!tity lmnnm>cnt"} of the All1t 

### dal!:l ghlen b:y the undemgnod 

### ("Bozr<mer"} to secure**~** Pixcd!Adjuslable Rate 

### Note (lllc "NC*") 10 

### AMERICA'S W60LESALE LENDER

("Lr:mlcr") of the same date liDd co

...ecing lhe property described in the Security**~~** aDd klcated**a~:** 

## llOB 

## EOX SPARROW COVE

COt«

• Allhl Fbooll 

# """od IJSOR l\lofor**~~-)(d)** 

### PFLUGERVILLE, TX 76660**~-1**

P'IJol ot4



## Austin Data Inc. TH ADI11909 TR 2003260223.013



# 59 

# 59

### DOC ID i: 

### 00004597892810003 THE NOlE PROVIDES FOR A CHANG£ IN BORROWER'S FIXEP INlEREST RATE TO AN ADJUSTABLE INTEftEST RATE. 

### TliE NOTE UMITS THE AMOUNT 

### BORROWER'S ADJU5T'ABI.E INTEREST RATE CAN CHANGE AT ANY ONE TIME AND 

### 1lfE MAXIMUM RATE BORROWER MUST PAY.

ADntnONAL COVENANTS. In addition Eo the oovCIWII$ and**~** made iD lbc Security 

### In.ltnunent, 

### Bon:ower and 

### Lender tbnher 

### covenant IUid :agree 

### aa follows:

A.ADJlJSTABLE.RA'I'J!ANDMONI'HLYPAYMENTCHAi"fG!'S 

### The Note provide$ 

# ror an illililll fixed illle!Cst 

### rare of 

### 5 • 2 SO %. The 

### Note alsO 

### provides fur cli9Qgt 

### in ll1C 

### initial fmcd rate 

### io an**ad~** 

### intcR:St rntc. as follows:

4.A.OlUSTABLEINTEREST.RATEANDMON'l'BLYPAY.MENTCHANGFS (A)**0.8~\~}e Dll~**  The 

### inillal fixed iote=t nue 

### I w:ill pey 

### will cbal>ge 

### 10 an adjustable k!luesl mtc on die 

### first 

### dayafNOVBMBBR, 2006
, and**~** 

### a$1S!able 

### lntl:re$ rate 

### I will 

### pay may d\;mge 

### on 

### thin 

### day every 12th IPO!lth.**th~.** Tbc dale 

### on w!ticb 

### my inllhlt :fixt.d intclut 

### rate 

### changes to m adjuslablc 

### inll:reH nuc, 

### and each 

### dale on which my 

### ad,i11818ble**~** rate ClliJid cii11118C, 

### is called 

### a "Chang6 

### Date." (8) 

### The 

### Jmlel: 'Beghmlng wbh tile 

### first C'bange Dates, 

### my ,_.jUS!ablc lntclcst talc 

### wiU be 

### bued 011 

### an lndex. The "fudeJ<" is die avcmge o! 

### intcrlxalk. offen:d mrcs for**!Wd~e** 

### month U.S. dollllt-dc!ominatcd deposits in 

### the 

### London marl!:et, as publlsbed in the The W<1U Street Jtmmol, The most**-~** .ladu figtD.'t llVmlabk as of the fm<t 

### business day of 

### the monlll hnmroialely**~** !be IIIOIIdt in 

### wbieh the 

### Cban8c Dale OO:lll11 is 

### called die "Conellt 

### Index." If the 

### Index is n11 

### longer available, the 

### Note Holder will 

### choose a new 

### index !hal 

### is b&lled upon**compan~ble** lnformalioo.. The Note Holder will give me notice of Ibis 

### d!Oico. {C) Cal('D)ation

# or Changt!f 

### Before 

### eaeh Cllangc 

## Date. the Note &lder will**~culate** 

### my new**inleres~** n.te 

### by 

## nddJn& TWO & 

### ONI'l-QOARTER 

### perocruago po.il!b> ( 

### 2.250 %)EofheCwmulndex. The Note Holdoc 

### will thCIItoti!Jd the rc.sllll cl this addition 10 tbc ncar$ ooe-eighlh o! one**~e** point 

### (O.l:ZS%). Subject 10 die 

### limits S!alCd 

## m Se®.on 4(0) below, this 

### .tOllD.dM 

### BIIIOllllt will be 

### my new interest 

### rate l1llfil Chc next Change Dale.

. 

### The Note Holdu wiD 

### then dclcrnJinc the amount Of lbc: 

### mODibly paymmf 

### lhlll would be**s~ient** Eo 

### repay lbc 'Uilpllill prlucipal!lult 

### I llnl**~** 

### 10 owo at 

### the Change 

### om in 

### full on !he 

### Maturiey Dale at my 

### new**in~ ~te**  

### in sul!snmtially equal 

### payments. The l'llmllt of this 

### calooia!illn 

### will be 

### !he new I\UIOUIIt of 

### my monthly payment. (DJ 

### l'..fn®J oo !Qiu'est lbh!! Chaa;ga The interest n.te E 

### aD\**roqui~** 

### w pay 

### at 

### the 

## rmt Change DatA:. will 

### oot be**grce~ct** 111aa 

### 10. 2 50 

### 'll> or k;ssll>an 

### 2 • 2 SO %, 

### Thcreaft«, my 

### adj1151ablc intcR:31 

### mu:· will never be**~** 

### or decreased 

### oa any single 

### Cbange Dale by**~** 

### lbBII twa 

### percenlagc polats 

### from lhe .rate of 

### iruereBt I 

### have been pa)ling for 

### lito P=Cding 

### 12 

### m1lnlbs. My 

### inwresr razo Will**nc~** be grc810r than 

### 10.250 %. (&) Efl'eefi1le Date

## or Changes My JleW inltzeSt ro.to 

### wilt bceomco 

### ciiectivc 011 Clll:h 

### Clum$o Dale. I will 

### pay lhc amtrunl 

### of my new 

### montbly**~t** bcghming <Ill the .lil8t 

### moothly pa)'IMI!t date 

### Ilk the Clumgc 

### Date 11ntil the 

### amOUDl of

### my monthly paytllcnl 

### cllanges again. (Ir) 

### Notic2 

## or Olaages Tile Note Holder Mil deliver 

### ox mail10 

### me a notice of 

### any cbanges 

## mmy ioitial faxed 

## m=t rato 10 

### an ac§nalllble Jruetest rille a:nd of 

### my changes 

### in my lldjusublco inl=t razo 

### before the cfl'eclivc date 

### of any 

### change, 

### The notice will. 

### includo the IIDI01lJlt 

### ofmy rno:nthly psymcnt, 

### any infortllSEkln required 

### br b.w 10 be 

### given 10 

### me aud 

### also the 

### tl!le 

### ancllelcpho!le Rllmber of a petOOJl 

### who 

### will**.a~~swet** 

### any question 1 

### Ulll)l 

### !mve regarding 

### die nodoe.

CONV

• ARI\II FCQW PalkJd; UBOR RldB1 'ZU652·KY; (<141Q11



## Austin Data Inc. TH ADI11909 TR 2003260223.014 

# 60 

# 60

### DOC IO**~:** 

### 00004597892810003 B. 

### TRAN8.FI£R OF Tim

### l'ROPBRTY O.R A BENEFJCIAL 

### JN1EREST JN 

### BOlU\OWER 1. Untillklrrowcr's initial tixcd in1crest mte changes Ul an**odjlls~** interest rate 

### 11'\dc!r**lh~** termosl!(aled in 

### Secltion A IOOve, U11\foan Covenant 18 Q(**~ ~**  

### Instrument**~hall** tet!d 11!1 

### fo!lowa:

Tnnwer 

## or

# a.., Propen, 011 

### a Beneficial .Wterest in 

### BIJn'O>m'", 

### .o\a used 

### in !his 

### Sc;Won 18,**"mtet~:at** ia the 

### Propcny•

- aay legal m 

### beneficial in!.etest 

### 1n the Property, 

## mcludilli bet l1llt lbniled 10, 

### those bcnc:ficial imen:sts ll'lu:lllferced Ia 

### a bond ful: deed,**~** 

### for 

### dwl. inslaiimctit $1111:3**aJs~lracl** 0{ 

### escrow**~** the intcot 

### of whicb 

### is the**ttan.~kr** 

### of Iitie by**Borro~r** at 

### a filtiJm**dat~** to 

### &J=<:I\ase.r. If ali or mry 

### pan of lbe Property or any 

### IDII:<e8t in lbe Property Is sold or lramlferml {or ir Bmmwer 

### is not a 11111Ut31 JlC!'BOII and 

### a**~ficlal** inmre.'<t ia 

### "BIXIOWe.r is !IO!d 

### or lmnSfcn:ed) wltbout**~dtl.'s** prior 

## wnt1f:n**~em=\,** 

### l..et\der 

### m&y n:quire 

### imrnei!iate peymen; In 

### full 

### of 11U $l,llliS 

### secun:d by 

### Ibis Sewrity Jnslmmef!L 

### Howevn, Oris 

### op!ion 3hillnoc be**cxen;i~** by 

### Lecdor if 

### sach cxeteise 

### is pniliiblled by 

### Applicable 

### I..aw. lf Lender excrois:s tbis opl.itm, L.eoder shan 

## grn 'Bmrowet**~** of acceler.otio,.. 'l'bc uoticc sball 

### prodde 

### a period 

# or not less th111 

### 30 days !rom lbe date 

### the 

### notice is 

### given in**~** 

### wilh SCC!ian IS within which Borrower IIlQSI. 

### P!J'I all 3Wlll1 -'by Ibis Sealril)' lnB!I1lmeCIL If 

### Borl'Ower falls 10 Jl'l)'**~** 

### sums pti.or 10 1hc 

### expimtion of llris peliod,**~et** 

### may lurok.e any 

### tf!rOO!iCii iXImDUI:d by tbi9 SCCI1dty Jnslmi:IJWt 

### withouJ 1Utther**not!~** 

## ot dl!mand 

### on BOIWwcr. 

### Z. When Bormwct'll initial lilted 

### inleresl rare**cfl~** 

### m !Ill 

### adjll51able ill!mSr 

### ram 

### lmdel: the tcl'l1l5 slaltd ln Sectlon A above, Unifonn Covcnanl 18 of the Sccm'ity lnstrnment described in Scaioll B l**abo~** shaD diM cea!ieiO 

### be in effect, and !he proviaions 

### oi l.Jnjform Coven&tll 18 oflite Security**I~t** -"'all be**ammde<lro~** 1111 follow3:**Tr~u1$1'uo** of Ole l'l:openy «a 

### Belleftdai l'l:llerC$1 

### in Bonvnr. 

### As used 

### in lllis Sccdan 18,**·rn~** 

### lu lhe l'wpetly" mellll8 

### BIIY legeJ**or~** 

### lrumsl in the 

### Proparty,lncluding, but not limiled 10. !hose bcneficl>!l inreresm lmosfened in a 

### boolf for dood,**~Inlet** for deed,**~t** sales cootmct or 

### escrow agreertlcllt, !he intent of 

### wblcb ls !he ttansfcr 

### of 

### litk by Borrowor at 

### a fu!W'C: dare 10 

### a

### pun;haser. If all or any pan of !be 

### Property 

### or lillY lDieresl 

### il1 the Propetty Is 

### sold 

### or**~** {or 

### if BwzQwer ia l10I a natural pers0r1 and a benoficiallnterest

# m Jlorrowet 

### Is sold or ttansfCll'ed) 

### wilb011t Lendets prior writlen consent. 

### l..er!dct 

### moy r:eqWe**imroed~** 

### payment in 

### full of

### all**~** 

### scwred by this SeCUrity**~L** Howevcr,lbis opcioD Mall not becxcrcb:cd by Lender if sudJ**~** a probibitod by Applicable 

### .Law. Lender abo shall not exe.teiac lbll! option if; (a) Borrow<lt e&UIIe8 10 be**stlbm~** to Lemler inl'omuuiml 

### RqUired by Lcoder 10 evaluare !he inreruled 

### ll1ln:if'eo:eo 85 ifa 

### new loan 

### were be:lng made to the lnmsf=c; and (b) Lender =sonably -dctennines that Lender's occurity will not be impaired by**~** Ioan u;umplion and that tile ri&lc ofa breAch of any**cove~~ant** or**~In** lhl!l SealriryInswmont ls acceplable ro l.en<k:t. To lite C!lC!enl**~ittcd** by Appftcablc 

### Law. Lender 

### may cbargc a n:ssooal>lc fcc as a 

### condition 10 

### Lender's amsent 10 !he 

### 10811 assumplion. 

### Lendcnlllo 

### may .require the 

### lrllnsfcree to Bign



### an assumption agreement Cllll is**~bk** 

### ro Lender and 

### that obliga!CS the 

## u:-en:e ro keep all tile promises and agreemcnll; 

### l'l!lldc in the 

### NOIC 8lld 

### in this 

### Sc:curizy 

### lnsmuncn!. Bonowe.- 

### will eontinne 10 

### be obliptcd llndcr the Note 

### and 

### !hi$ Sc=ity JIISirtlm<:nl 

### 1mlcss LendcJ: 

### teleases Brurower in writing. 

### If 

### I..endet**~** 

### the opl.iOD 

### to require 

### ilnnlediato pay!!lertl IJI 

### full. lendet sbllll 

### l)ivc BOttOW<:r nocicc: 

### of**accok.ra~** The 

### noti<:e &hall 

### provide a period of ROt Je& 

# man 30 days from lhe dale the oo!We is given in accotdance with Sea!Dil lS 

### widDn wblch Borrower nm&t 

### pay all S1lm$ sewred by 

### this Scx:urity lnBirlmlc:nL 

### Jf 

### Borrowor ruls 10 

### pay lheSO> 

### suma prior 10 

### the cxpinuion of tlli8 period, 

### Lender may invokl: lillY 

### re!l1edics pcrmilled 

### by rllis Sec:uriry I!IStnlmem 

### widlout forth« notice ar 

### demand on Borrowe:r.



## Austin Data Inc. TH ADill909 TR 2003260223.015


# 61 

# 61

### DOC ID 

## f; 00004597892810003 BY 

### SIONING BBLOW, 

# »ouower accqJQ 

### agrees 10 

### lfle teRill; 

### lll!d**COV~IIIIts** 

### G01119ined 1n**lhi~** Fixed/Adjmtabl<:**Ra~.Ridtr.**



## LENNY

## ----------------------------------------~~**·II~**

________________________**,($~) ·B~wqo** 

# -------------------------------------{~

CONY

• Afw.flxaol'eMdUBOR- roeN<X[OW>)



# FILED AND RECORDED

OFFlClAI. lllllll.lC RECOIIO$



## Austin Data Inc. TH**ADI~l909** 

## TR 2003260223.016


# 62 •B<ImJ>vt<



# 62