608 State St. South Kirkland, WA 98033

www.faira.com

hello@faira.com +1.800.571.FAIR

FAIRA TRANSPARENCY REPORTS

412 Raintree Loop Ct SE, Rainier, WA 98576

March 7, 2018 Thank you for your interest in this Faira Certified home. We have coordinated the efforts of certified and licensed inspection and title professionals to create the Faira Transparency Reports for this home. The Faira Transparency Reports are a detailed portfolio of information that is prepared on behalf of buyers in preparation for making an informed offer on the property.

You may view more detailed information for this home and can make an offer at

http://www.faira.com/listings/11858 All of the information in the Faira Transparency Reports was gathered and compiled without any bias or influence from the seller(s). In fact, these reports are materially identical had you as the buyer(s) ordered the same professionals to perform the evaluations on the same date. Nevertheless, Faira takes no obligation of the reports being complete or accurate. The buyers are recommended to conduct their own due-diligence to their satisfaction. Please contact us if you have any questions or would like more information. We’re happy you’ve chosen a Faira Certified home and look forward to the opportunity of working with you! The Faira Team

AFTER RECORDING MAIL TO: 28 FEB'08 504376

HarianD. Sandersand Kim A.Sanders

412 RaintreeLoop CourtSEThurstonCountyTreasurer

Rainier,WA 98576

RealEstateExciseTaxpaid

By eputy

FiledforRecordatRequestof: > abowasmeforReavarsuseowy

FirstAmericanTitleInsuranceCompanyFIRST AMERICAN TITLE

STATUTORY WARRANTY DEggURANCE COMPANY

FileNo: 4291-1140345 (MB) Date: February 22, 2008

Grantor(s):Johnson Custom Homes, LLC

Grantee(s): Harlan D. Sanders and Kim A. SandemAbbreviatedLegal:LOT 6, RAINIER VILLAGE, REC. 3829359, THURSTON COUNTY

AdditionalLegalon page:Assessor'sTax ParcelNo(s): 70420000600

THE GRANTOR(S) Johnson Custom Homes, LLC, a Washington Limited Liability

Company for and in considerationof Ten Dollars and other Good and Valuable

Consideration, in hand paid,conveys, and warrants to Harlan D. Sandem and Kim A.

Sanders, husband and wife, the followingdescribedrealestate,situatedinthe County of

Thurston, StateofWashington.

LOT 6, RAINIER VILLAGE, ACCORDING TO THE PLAT THEREOF RECORDED MAY 05,2006 UNDER RECORDING NO. 3829359, IN THURSTON COUNTY, WASHINGTON.

SubjectTo: This conveyance issubjectto covenants,conditions,restrictionsand easements, if

any,affectingtitle,which may appear inthe publicrecord,includingthoseshown on any recorded

platorsurvey.

Johnson Custom Homes, LLC, a Washingtonlimitedliabilitycompany

B hn John Member

Page1of2 LPB10-05

3992203 Page 1 of 202/281200811:41AM DeedThurstonCountyWashingtonFIRSTAMERICANTITLE

illlllillllllllllllillIIIIIIlllllllIlliIIIIIllllllli IIllilllllllllllilllifill

APN:70420000600 StatutoryWarrantyDeed FileNo.:4291-1140345(MB)-continued Date:02/22/2008

STATE OF Washington )

)-ssCOUNTY OF Thurston )

I certifythatI know or have satisfactoryevidencethatJohn Johnson sfarethe person(s)who

appeared beforeme, and saidperson(s)acknowledgedthat he/theysignedthisinstrument,onoath statedthatbeyshe/theyis/areauthorizedto executethe instrumentand acknowledged itasthe Member ofYohnson Custom Homes, LLC to be the free and voluntaryact of such

party(ies)forthe usesand purposesmentioned inthisinstrument.

NotaryPublicinand fortheStateofWashington

ilw Residingat:OL

G. SE My appointmentexpires:1-11 -10 1

Page2of2 LPB10-05

3992203 Page 2 of 202/28/200911:41AM DeedThurstonCountyWashingtonFIRSTAMERICANTITLE

lillllllilllllllllllltilllllillllllllllilllll|1lillllllll|||11IllilllIllllll||||lillli

AfterRecordingReturnTo:

WASHINGIGI SIATE EMPLOYEES CREDIT EllCN330 TNION AVENUE SEOLYMPIA, WASRINGITN 98501

[SpaceAboveThisLineForRecordinData]

THimSTON COU Y TITLE COoan Number : 13050100 9

/by f ) DEED OF TRUST

Grantor(s)(Lastnamefirst,thenfirstnameandinitials):1.Sanders, Kimberly A

2.Sanders, Harlan D3.4.5.6.

O Additionalnamesonpage ofdocument.

Grantee(s)(Lastnamefirst,thenfirstnameandinitials):1.WASHINGTON STATE EMPLOYEES CREDIT UNION?.Trustee Services Incorporated3.4.5.6.

O Additionalnamesonpage ofdocument.

LegalDescription(abbreviated:i.e.,lot,block,platorsection,township,range):LOT 6 RAINIER VILLAGE

Fulllegaldescriptiononpage 4 ofdocument.

Assessor'sPropertyTaxParcel(s)orAccountNumber(s):7042 0(5 0060 0

ReferenceNumber(s)AssignedorReleased:

0 Additionalreferencesonpage ofdocument.

WASHINGTON--SingleFamily-FannieMae/FreddieMacUNIFORMINSTRUMENT DocMageMForm30481/01 Page1 of17 www.docmagic.com

4338124 Pages: 2005/24/201311:32AM DeedOf TrustThurstonCountyWashingtonTHURSTONCOUNTYTITLE

Hill D's IN,11NWM"MINN"a 11111

DEFINITIONS

WordsusedinmultiplesectionsofthisdocumentaredefinedbelowandotherwordsaredefinedinSections

3,11,13,18,20and21.CertainrulesregardingtheusageofwordsusedinthisdocumentarealsoprovidedinSection16.

(A) "SecurityInstrument"meansthisdocument,whichisdated MAY 18 , 2 013

togetherwithallRiderstothisdocument.

(B) "Borrower"is Kimberly A. Sanders, who acquired title as Kim

A Sanders and Harlan D Sanders

BorroweristhetrustorunderthisSecurityInstrument.

(C) "Lender"is WASHINGTON STATE EMPLOYEES CREDIT UNION

Lenderisa WASHINGTON CORPORATION organizedandexistingunderthelawsof WASHINGTONLender'saddressis 330 UNION AVENUE SE, OLYMPIA, WASHINGTON 98501 -

LenderisthebeneficiaryunderthisSecurityInstrument.

(D) "Trustee"isTrustee Services Incorporated

(E) "Note"meansthepromissorynotesignedbyBorroweranddated MAY 18 , 2 013

TheNotestatesthatBorrowerowesLender TWO HUNDRED FIFTY-THREE THOUSAND

FIVE HUNDRED AND 00/100 Dollars(U.S.$253,500.00 )

plusinterest.BorrowerhaspromisedtopaythisdebtinregularPeriodicPaymentsandtopaythedebtin

fullnotlaterthan JUNE 1, 2 043

(F) "Property"meansthepropertythatisdescribedbelowundertheheading"TransferofRightsinthe

Property."(G) "Loan"meansthedebtevidencedbytheNote,plusinterest,anyprepaymentchargesandlatechargesdueundertheNote,andallsumsdueunderthisSecurityInstrument,plusinterest.

(H) "Riders"meansallRiderstothisSecurityInstrumentthatareexecutedbyBorrower.ThefollowingRidersaretobeexecutedbyBorrower[checkboxasapplicable]:

O AdjustableRateRider [X PlannedUnitDevelopmentRider

O BalloonRider C BiweeklyPaymentRider

0 1-4FamilyRider C SecondHome Rider

O CondominiumRider C Other(s)[specify]

WASHINGTON-SingleFamily-FannieMae/FreddieMacUNIFORMINSTRUMENT DocMagledMunsForm30481101 Page2 of17 www.docmagic.com

(I) "ApplicableLaw" meansallcontrollingapplicablefederal,stateand localstatutes,regulations,ordinancesandadministrativerulesandorders(thathavetheeffectoflaw)aswellasallapplicablefinal,

non-appealablejudicialopinions.(J) "CommunityAssociationDues,Fees,andAssessments"meansalldues,fees,assessmentsandother

chargesthatareimposedon Borroweror thePropertyby a condominiumassociation,homeowners

associationorsimilarorganization.(K) "ElectronicFundsTransfer"meansanytransferoffimds,otherthanatransactionoriginatedbycheck,

draft,orsimilarpaperinstrument,whichisinitiatedthroughanelectronicterminal,telephonicinstrument,

computer,ormagnetictapesoastoorder,instruct,orauthorizeafinancialinstitutiontodebitorcreditan

account.Suchtermincludes,butisnotlimitedto,point-ofsaletransfers,automatedtellermachine

transactions,transfersinitiatedby telephone,wiretransfers,andautomatedclearinghousetransfers.

(L) "EscrowItems"meansthoseitemsthataredescribedinSection3.

(M) "MiscellaneousProceeds"meansanycompensation,settlement,awardofdamages,orproceedspaid

byanythirdparty(otherthaninsuranceproceedspaidunderthecoveragesdescribedinSection5)for:(i)

damageto,ordestructionof,theProperty;(ii)condemnationorothertakingofalloranypartofthe

Property;(iii)conveyanceinlieuofcondemnation;or(iv)misrepresentationsof,oromissionsasto,the

valueand/orconditionoftheProperty.(N) "MortgageInsurance"meansinsuranceprotectingLenderagainstthenonpaymentof,ordefaulton,theLoan.

(0) "PeriodicPayment"meanstheregularlyscheduledamountduefor(i)principalandinterestunderthe

Note,plus(ii)anyamountsunderSection3 ofthisSecurityInstrument.

(P) "RESPA" meanstheRealEstateSettlementProceduresAct (12U.S.C.(2601etseq.)andits

implementingregulation,RegulationX (12C.F.R.Part1024),astheymightbeamendedfromtimetotime,oranyadditionalorsuccessorlegislationorregulationthatgovernsthesamesubjectmatter.Asusedinthis

SecurityInstrument,"RESPA" referstoallrequirementsandrestrictionsthatareimposedinregardtoa

"federallyrelatedmortgageloan"eveniftheLoandoesnotqualifyasa"federallyrelatedmortgageloan"

underRESPA.

(Q) "SuccessorinInterestofBorrower"meansanypartythathastakentitletotheProperty,whetheror

notthatpartyhasassumedBorrower'sobligationsundertheNoteand/orthisSecurityInstrument.

TRANSFER OF RIGHTS IN THE PROPERTY

ThisSecurityInstrumentsecurestoLender:(i)therepaymentoftheLoan,andallrenewals,extensionsand

modificationsoftheNote;and(ii)theperformanceofBorrower'scovenantsandagreementsunderthis

SecurityInstrumentandtheNote.Forthispurpose,BorrowerirrevocablygrantsandconveystoTrustee,intrust,withpowerofsale,thefollowingdescribedpropertylocatedinthe

COUNTY of THURSTON

[TypeofRecordingJurisdiction] [NameofRecordingJurisdiction]

WASHINGTON-SingleFamily-FannieMae/FreddieMacUNIFORMINSTRUMENT DocaragledBgunsForm30481/01 Page3 of17 www.docmagic.com

101'6 CF RAINIERVILU'GE,AS 1EIROED IVAY5, 2006IN'ER11]DI'ITP.'S FllE10. 3829359.A.P.N.:7042 00 00600

whichcurrentlyhastheaddressof 412 Raintree Lp Ct SE

[street]Rainier ,Washington 98576 ("PropertyAddress"):

[City) [ZipCode]

TOGETHER WITH alltheimprovementsnow orhereaftererectedontheproperty,andalleasements,

appurtenances,andfixturesnow orhereafterapartoftheproperty.Allreplacementsandadditionsshallalso

becoveredbythisSecurityInstrument.AlloftheforegoingisreferredtointhisSecurityInstrumentasthe

"Property."

BORROWER COVENANTS thatBorrowerislawfullyseisedoftheestateherebyconveyedandhas

therighttograntandconveythePropertyandthatthePropertyisunencumbered,exceptforencumbrances

ofrecord.BorrowerwarrantsandwilldefendgenerallythetitletothePropertyagainstallclaimsand

demands,subjecttoanyencumbrancesofrecord.

THIS SECURITY INSTRUMENT combinesuniformcovenantsfornationaluseandnon-uniform

covenantswithlimitedvariationsbyjurisdictiontoconstituteauniformsecurityinstrumentcoveringreal

property.

UNIFORM COVENANTS. BorrowerandLendercovenantandagreeasfollows:

1. PaymentofPrincipal,Interest,EscrowItems,PrepaymentCharges,and LateCharges.Borrowershallpaywhen duetheprincipalof,andintereston,thedebtevidencedby theNoteandany

prepaymentchargesandlatechargesdueundertheNote.BorrowershallalsopayfundsforEscrowItems

pursuanttoSection3. PaymentsdueundertheNoteandthisSecurityInstrumentshallbemadeinU.S.

currency.However,ifanycheckorotherinstrumentreceivedbyLenderaspaymentundertheNoteorthis

SecurityInstrumentisreturnedtoLenderunpaid,Lendermay requirethatanyorallsubsequentpaymentsdueundertheNoteandthisSecurityInstrumentbemadeinoneormoreofthefollowingforms,asselected

byLender:(a)cash;(b)moneyorder;(c)certifiedcheck,bankcheck,treasurer'scheckorcashier'scheck,

providedanysuchcheckisdrawnuponan institutionwhosedepositsareinsuredby a federalagency,

instrumentality,orentity;or(d)ElectronicFundsTransfer.

Paymentsaredeemedreceivedby LenderwhenreceivedatthelocationdesignatedintheNoteorat

suchotherlocationasmay bedesignatedbyLenderinaccordancewiththenoticeprovisionsinSection15.

Lendermay returnanypaymentorpartialpaymentifthepaymentorpartialpaymentsareinsufficientto

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bringtheLoancurrent.Lendermay acceptanypaymentorpartialpaymentinsufficienttobringtheLoan

current,withoutwaiverofanyrightshereunderorprejudicetoitsrightstorefusesuchpaymentorpartial

paymentsinthefuture,butLenderisnotobligatedtoapplysuchpaymentsatthetimesuchpaymentsare

accepted.IfeachPeriodicPaymentisappliedasofitsscheduledduedate,thenLenderneednotpayinterest

onunappliedfunds.LendermayholdsuchunappliedfundsuntilBorrowermakespaymenttobringtheLoan

current.IfBorrowerdoesnotdosowithinareasonableperiodoftime,Lendershalleitherapplysuchfunds

orreturnthemtoBorrower.Ifnotappliedearlier,suchfundswillbeappliedtotheoutstandingprincipalbalanceundertheNoteimmediatelypriortoforeclosure.No offsetorclaimwhichBorrowermighthave

now orinthefutureagainstLendershallrelieveBorrowerfrommakingpaymentsdueundertheNoteand

thisSecurityInstrumentorperformingthecovenantsandagreementssecuredbythisSecurityInstrument.

2. ApplicationofPaymentsorProceeds.ExceptasotherwisedescribedinthisSection2,all

paymentsacceptedandappliedbyLendershallbeappliedinthefollowingorderofpriority:(a)interestdue

undertheNote;(b)principaldueundertheNote;(c)amountsdueunderSection3. Suchpaymentsshallbe

appliedtoeachPeriodicPaymentintheorderinwhichitbecamedue.Any remainingamountsshallbe

appliedfirsttolatecharges,secondtoanyotheramountsdueunderthisSecurityInstrument,andthento

reducetheprincipalbalanceoftheNote.IfLenderreceivesa paymentfromBorrowerfora delinquentPeriodicPaymentwhichincludesa

sufficientamounttopayanylatechargedue,thepaymentmay beappliedtothedelinquentpaymentandthe

latecharge.IfmorethanonePeriodicPaymentisoutstanding,Lendermay applyanypaymentreceivedfrom

BorrowertotherepaymentofthePeriodicPaymentsif,andtotheextentthat,eachpaymentcanbepaidin

full.To theextentthatanyexcessexistsafterthepaymentisappliedtothefullpaymentofoneormore

PeriodicPayments,suchexcessmay beappliedtoanylatechargesdue.Voluntaryprepaymentsshallbe

appliedfirsttoanyprepaymentchargesandthenasdescribedintheNote.

Any applicationofpayments,insuranceproceeds,orMiscellaneousProceedstoprincipaldueunder

theNoteshallnotextendorpostponetheduedate,orchangetheamount,ofthePeriodicPayments.3. FundsforEscrowItems.BorrowershallpaytoLenderonthedayPeriodicPaymentsaredue

undertheNote,untiltheNoteispaidinfull,asum (the"Funds")toprovideforpaymentofamountsdue

for:(a)taxesandassessmentsandotheritemswhichcanattainpriorityoverthisSecurityInstrumentasa

lienorencumbranceontheProperty;(b)leaseholdpaymentsorgroundrentsontheProperty,ifany;(c)

premiumsforany andallinsurancerequiredby LenderunderSection5;and(d)MortgageInsurance

premiums,ifany,oranysumspayablebyBorrowertoLenderinlieuofthepaymentofMortgageInsurance

premiumsinaccordancewiththeprovisionsofSection10. Theseitemsarecalled"EscrowItems."At

originationoratanytimeduringthetermoftheLoan,Lendermay requirethatCommunityAssociation

Dues,Fees,andAssessments,ifany,beescrowedbyBorrower,andsuchdues,feesandassessmentsshall

beanEscrowItem.BorrowershallpromptlyfurnishtoLenderallnoticesofamountstobepaidunderthis

Section.BorrowershallpayLendertheFundsforEscrowItemsunlessLenderwaivesBorrower'sobligationtopaytheFundsforanyorallEscrowItems.Lendermay waiveBorrower'sobligationtopaytoLender

FundsforanyorallEscrowItemsatanytime.Any suchwaivermay onlybeinwriting.Intheeventof

suchwaiver,Borrowershallpaydirectly,whenandwherepayable,theamountsdueforanyEscrowItems

forwhichpaymentofFundshasbeenwaivedbyLenderand,ifLenderrequires,shallfurnishtoLender

receiptsevidencingsuchpaymentwithinsuchtimeperiodasLendermay require.Borrower'sobligationto

makesuchpaymentsandtoprovidereceiptsshallforallpurposesbedeemedtobeacovenantandagreementcontainedinthisSecurityInstrument,asthephrase"covenantandagreement"isusedinSection9, If

BorrowerisobligatedtopayEscrowitemsdirectly,pursuanttoawaiver,andBorrowerfailstopaythe

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amountdueforanEscrowItem,Lendermay exerciseitsrightsunderSection9 andpaysuchamountand

BorrowershallthenbeobligatedunderSection9 torepaytoLenderanysuchamount.Lendermay revoke

thewaiverastoanyorallEscrowItemsatanytimeby anoticegiveninaccordancewithSection15and,

uponsuchrevocation,BorrowershallpaytoLenderallFunds,andinsuchamounts,thatarethenrequiredunderthisSection3.

Lendermay,atanytime,collectandholdFundsinanamount(a)sufficienttopermitLendertoapplytheFundsatthetimespecifiedunderRESPA, and(b)nottoexceedthemaximum amounta lendercan

requireunderRESPA. LendershallestimatetheamountofFundsdueonthebasisofcurrentdataand

reasonableestimatesofexpendituresoffutureEscrowItemsorotherwiseinaccordancewithApplicableLaw.

The Funds shallbe heldin an institutionwhose depositsareinsuredby a federalagency,

instrumentality,orentity(includingLender,ifLenderisaninstitutionwhosedepositsaresoinsured)orin

anyFederalHome LoanBank.LendershallapplytheFundstopaytheEscrowItemsnolaterthanthetime

specifiedunderRESPA. LendershallnotchargeBorrowerforholdingandapplyingtheFunds,annually

analyzingtheescrowaccount,orverifyingtheEscrowItems,unlessLenderpaysBorrowerinterestonthe

FundsandApplicableLaw permitsLendertomakesuchacharge.UnlessanagreementismadeinwritingorApplicableLaw requiresinteresttobepaidontheFunds,LendershallnotberequiredtopayBorrower

anyinterestorearningsontheFunds.BorrowerandLendercanagreeinwriting,however,thatinterestshall

bepaidontheFunds.LendershallgivetoBorrower,withoutcharge,anannualaccountingoftheFunds

asrequiredbyRESPA.Ifthereisa surplusofFundsheldinescrow,asdefinedunderRESPA, Lendershallaccountto

BorrowerfortheexcessfundsinaccordancewithRESPA. IfthereisashortageofFundsheldinescrow,asdefinedunderRESPA, LendershallnotifyBorrowerasrequiredbyRESPA, andBorrowershallpayto

LendertheamountnecessarytomakeuptheshortageinaccordancewithRESPA, butinnomorethan12

monthlypayments.IfthereisadeficiencyofFundsheldinescrow,asdefinedunderRESPA, Lendershall

notifyBorrowerasrequiredbyRESPA, andBorrowershallpaytoLendertheamountnecessarytomakeupthedeficiencyinaccordancewithRESPA, butinnomorethan12monthlypayments.

Upon paymentinfullofallsumssecuredby thisSecurityInstrument,Lendershallpromptlyrefund

toBorroweranyFundsheldbyLender.4. Charges;Liens.Borrowershallpayalltaxes,assessments,charges,fines,andimpositions

attributabletothePropertywhichcanattainpriorityoverthisSecurityInstrument,leaseholdpaymentsor

groundrentsontheProperty,ifany,andCommunityAssociationDues,Fees,andAssessments,ifany.To

theextentthattheseitemsareEscrowItems,BorrowershallpaytheminthemannerprovidedinSection3.

BorrowershallpromptlydischargeanylienwhichhaspriorityoverthisSecurityInstrumentunless

Borrower:(a)agreesinwritingtothepaymentoftheobligationsecuredbythelieninamanneracceptabletoLender,butonlysolongasBorrowerisperformingsuchagreement;(b)conteststhelieningoodfaith

by,ordefendsagainstenforcementofthelienin,legalproceedingswhichinLender'sopinionoperateto

preventtheenforcementofthelienwhilethoseproceedingsarepending,butonlyuntilsuchproceedingsare

concluded;or(c)securesfromtheholderofthelienanagreementsatisfactorytoLendersubordinatingthe

lientothisSecurityInstrument.IfLenderdeterminesthatanypartofthePropertyissubjecttoalienwhich

canattainpriorityoverthisSecurityInstrument,Lendermay giveBorrowera noticeidentifyingthelien.

Within10daysofthedateonwhichthatnoticeisgiven,Borrowershallsatisfythelienortakeoneormore

oftheactionssetforthaboveinthisSection4.

LendermayrequireBorrowertopayaone-timechargeforarealestatetaxverificationand/orreportingserviceusedby LenderinconnectionwiththisLoan.

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5. PropertyInsurance.Borrowershallkeeptheimprovementsnow existingorhereaftererectedon

thePropertyinsuredagainstlossby fire,hazardsincludedwithintheterm"extendedcoverage,"andanyotherhazardsincluding,butnotlimitedto,earthquakesandfloods,forwhichLenderrequiresinsurance.

Thisinsuranceshallbemaintainedintheamounts(includingdeductiblelevels)andfortheperiodsthat

Lenderrequires.WhatLenderrequirespursuanttotheprecedingsentencescanchangeduringthetermof

theLoan.TheinsurancecarrierprovidingtheinsuranceshallbechosenbyBorrowersubjecttoLender's

righttodisapproveBorrower'schoice,whichrightshallnotbeexercisedunreasonably.Lendermay requireBorrowertopay,inconnectionwiththisLoan,either:(a)aone-timechargeforfloodzonedetermination,certificationandtrackingservices;or(b)aone-timechargeforfloodzonedeterminationandcertification

servicesandsubsequentchargeseachtimeremappingsorsimilarchangesoccurwhichreasonablymightaffectsuchdeterminationorcertification.Borrowershallalsoberesponsibleforthepaymentofanyfees

imposedbytheFederalEmergencyManagementAgencyinconnectionwiththereviewofanyfloodzone

determinationresultingfromanobjectionbyBorrower.IfBorrowerfailstomaintainanyofthecoveragesdescribedabove,Lendermay obtaininsurance

coverage,atLender'soptionandBorrower'sexpense.Lenderisunderno obligationtopurchaseany

particulartypeoramountofcoverage.Therefore,suchcoverageshallcoverLender,butmightormightnot

protectBorrower,Borrower'sequityintheProperty,orthecontentsoftheProperty,againstanyrisk,hazard

or liabilityand mightprovidegreateror lessercoveragethanwas previouslyineffect.Borrower

acknowledgesthatthecostoftheinsurancecoveragesoobtainedmightsignificantlyexceedthecostof

insurancethatBorrowercouldhaveobtained.Any amountsdisbursedbyLenderunderthisSection5shall

becomeadditionaldebtofBorrowersecuredbythisSecurityInstrument.Theseamountsshallbearinterest

attheNoteratefromthedateofdisbursementandshallbepayable,withsuchinterest,uponnoticefrom

LendertoBorrowerrequestingpayment.Allinsurancepoliciesrequiredby LenderandrenewalsofsuchpoliciesshallbesubjecttoLender's

righttodisapprovesuchpolicies,shallincludea standardmortgageclause,andshallname Lenderas

mortgageeand/orasanadditionallosspayee.Lendershallhavetherighttoholdthepoliciesandrenewal

certificates.IfLenderrequires,BorrowershallpromptlygivetoLenderallreceiptsofpaidpremiumsand

renewalnotices.IfBorrowerobtainsanyformofinsurancecoverage,nototherwiserequiredbyLender,for

damageto,ordestructionof,theProperty,suchpolicyshallincludea standardmortgageclauseandshall

name Lenderasmortgageeand/orasanadditionallosspayee.Intheeventofloss,BorrowershallgivepromptnoticetotheinsurancecarrierandLender.Lender

may makeproofoflossifnotmadepromptlybyBorrower.UnlessLenderandBorrowerotherwiseagreeinwriting,anyinsuranceproceeds,whetherornottheunderlyinginsurancewasrequiredby Lender,shall

beappliedtorestorationorrepairoftheProperty,iftherestorationorrepairiseconomicallyfeasibleand

Lender'ssecurityisnotlessened.Duringsuchrepairandrestorationperiod,Lendershallhavetherightto

holdsuchinsuranceproceedsuntilLenderhashadanopportunitytoinspectsuchPropertytoensurethework

hasbeencompletedtoLender'ssatisfaction,providedthatsuchinspectionshallbeundertakenpromptly.Lendermay disburseproceedsfortherepairsandrestorationinasinglepaymentorinaseriesofprogress

paymentsastheworkiscompleted.Unlessanagreementismade inwritingorApplicableLaw requiresinteresttobepaidonsuchinsuranceproceeds,LendershallnotberequiredtopayBorroweranyinterestor

earningsonsuchproceeds.Feesforpublicadjusters,orotherthirdparties,retainedbyBorrowershallnot

bepaidoutoftheinsuranceproceedsandshallbethesoleobligationofBorrower.Iftherestorationor

repairisnoteconomicallyfeasibleorLender'ssecuritywouldbelessened,theinsuranceproceedsshallbe

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appliedtothesumssecuredby thisSecurityInstrument,whetherornotthendue,withtheexcess,ifany,paidtoBorrower.SuchinsuranceproceedsshallbeappliedintheorderprovidedforinSection2.

IfBorrowerabandonstheProperty,Lendermay file,negotiateandsettleanyavailableinsuranceclaimandrelatedmatters.IfBorrowerdoesnotrespondwithin30daystoanoticefromLenderthattheinsurancecarrierhasofferedtosettleaclaim,thenLendermay negotiateandsettletheclaim.The30-dayperiodwill

beginwhen thenoticeisgiven.Ineitherevent,orifLenderacquiresthePropertyunderSection22 or

otherwise,BorrowerherebyassignstoLender(a)Borrower'srightstoanyinsuranceproceedsinanamountnottoexceedtheamountsunpaidundertheNoteorthisSecurityInstrument,and(b)anyotherofBorrower's

rights(otherthantherighttoanyrefundofunearnedpremiumspaidby Borrower)underallinsurance

policiescoveringtheProperty,insofarassuchrightsareapplicabletothecoverageoftheProperty.Lender

may usetheinsuranceproceedseithertorepairorrestorethePropertyortopayamountsunpaidunderthe

NoteorthisSecurityInstrument,whetherornotthendue.6. Occupancy.Borrowershalloccupy,establish,andusethePropertyasBorrower'sprincipal

residencewithin60daysaftertheexecutionofthisSecurityInstrumentandshallcontinuetooccupythe

PropertyasBorrower'sprincipalresidenceforatleastoneyearafterthedateofoccupancy,unlessLenderotherwiseagreesinwriting,whichconsentshallnotbe unreasonablywithheld,orunlessextenuatingcircumstancesexistwhicharebeyondBorrower'scontrol.

7. Preservation,Maintenanceand ProtectionoftheProperty;Inspections.Borrowershallnot

destroy,damageorimpairtheProperty,allowthePropertytodeteriorateorcommitwasteontheProperty.WhetherornotBorrowerisresidingintheProperty,BorrowershallmaintainthePropertyinorderto

preventthePropertyfromdeterioratingordecreasinginvalueduetoitscondition.Unlessitisdetermined

pursuanttoSection5 thatrepairorrestorationisnoteconomicallyfeasible,BorrowershallpromptlyrepairthePropertyifdamagedtoavoidfurtherdeteriorationordamage.Ifinsuranceorcondemnationproceedsarepaidinconnectionwithdamageto,orthetakingof,theProperty,Borrowershallberesponsiblefor

repairingorrestoringthePropertyonlyifLenderhasreleasedproceedsforsuchpurposes.Lendermaydisburseproceedsfortherepairsandrestorationinasinglepaymentorinaseriesofprogresspaymentsas

theworkiscompleted.Iftheinsuranceorcondemnationproceedsarenotsufficienttorepairorrestorethe

Property,BorrowerisnotrelievedofBorrower'sobligationforthecompletionofsuchrepairorrestoration.Lenderoritsagentmay make reasonableentriesuponandinspectionsoftheProperty.Ifithas

reasonablecause,Lendermay inspecttheinterioroftheimprovementsontheProperty.LendershallgiveBorrowernoticeatthetimeoforpriortosuchaninteriorinspectionspecifyingsuchreasonablecause.

8. Borrower'sLoan Application.Borrowershallbe indefaultif,duringtheLoanapplicationprocess,Borroweror anypersonsorentitiesactingatthedirectionofBorrowerorwithBorrower's

knowledgeorconsentgavemateriallyfalse,misleading,orinaccurateinformationorstatementstoLender

(orfailedtoprovideLenderwithmaterialinformation)inconnectionwiththeLoan.Materialrepresentationsinclude,butarenotlimitedto,representationsconcerningBorrower'soccupancyofthePropertyas

Borrower'sprincipalresidence.9. ProtectionofLender'sInterestinthePropertyand RightsUnderthisSecurityInstrument.

If(a)BorrowerfailstoperformthecovenantsandagreementscontainedinthisSecurityInstrument,(b)thereisalegalproceedingthatmightsignificantlyaffectLender'sinterestinthePropertyand/orrightsunderthis

SecurityInstrument(suchasa proceedinginbankruptcy,probate,forcondemnationorforfeiture,for

enforcementofalienwhichmay attainpriorityoverthisSecurityInstrumentor toenforcelawsor

regulations),or(c)BorrowerhasabandonedtheProperty,thenLendermay do andpayforwhateveris

reasonableor appropriatetoprotectLender'sinterestinthePropertyandrightsunderthisSecurity

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Instrument,includingprotectingand/orassessingthevalueoftheProperty,andsecuringand/orrepairingtheProperty.Lender'sactionscaninclude,butarenotlimitedto:(a)payinganysumssecuredby alien

whichhaspriorityoverthisSecurityInstrument;(b)appearingincourt;and(c)payingreasonableattorneys'feestoprotectitsinterestinthePropertyand/orrightsunderthisSecurityInstrument,includingitssecured

positioninabankruptcyproceeding.SecuringthePropertyincludes,butisnotlimitedto,enteringthe

Propertytomakerepairs,changelocks,replaceorboardupdoorsandwindows,drainwaterfrompipes,eliminatebuildingorothercodeviolationsordangerousconditions,andhaveutilitiesturnedon oroff.

AlthoughLendermay takeactionunderthisSection9,Lenderdoesnothavetodosoandisnotunderany

dutyorobligationtodo so.ItisagreedthatLenderincursno liabilityfornottakinganyorallactions

authorizedunderthisSection9.

Any amountsdisbursedby LenderunderthisSection9 shallbecomeadditionaldebtofBorrower

securedby thisSecurityInstrument.TheseamountsshallbearinterestattheNoteratefromthedateof

disbursementandshallbepayable,withsuchinterest,uponnoticefromLendertoBorrowerrequesting

payment.IfthisSecurityInstrumentisonaleasehold,Borrowershallcomplywithalltheprovisionsofthelease.

Borrowershallnotsurrendertheleaseholdestateandinterestshereinconveyedorterminateorcancelthe

groundlease.Borrowershallnot,withouttheexpresswrittenconsentofLender,alteroramendthegroundlease.IfBorroweracquiresfeetitletotheProperty,theleaseholdandthefeetitleshallnotmergeunless

Lenderagreestothemergerinwriting.10.MortgageInsurance.IfLenderrequiredMortgageInsuranceasaconditionofmakingtheLoan,

BorrowershallpaythepremiumsrequiredtomaintaintheMortgageInsuranceineffect.If,foranyreason,theMortgageInsurancecoveragerequiredby Lenderceasestobeavailablefromthemortgageinsurerthat

previouslyprovidedsuchinsuranceandBorrowerwas requiredtomakeseparatelydesignatedpaymentstowardthepremiumsforMortgageInsurance,Borrowershallpaythepremiumsrequiredtoobtaincoverage

substantiallyequivalenttotheMortgageInsurancepreviouslyineffect,atacostsubstantiallyequivalentto

thecosttoBorroweroftheMortgageInsurancepreviouslyineffect,fromanalternatemortgageinsurer

selectedbyLender.IfsubstantiallyequivalentMortgageInsurancecoverageisnotavailable,Borrowershall

continuetopaytoLendertheamountoftheseparatelydesignatedpaymentsthatwereduewhentheinsurance

coverageceasedtobeineffect.Lenderwillaccept,useandretainthesepaymentsasanon-refundableloss

reserveinlieuofMortgageInsurance.Suchlossreserveshallbenon-refundable,notwithstandingthefact

thattheLoanisultimatelypaidinfull,andLendershallnotbe requiredtopayBorroweranyinterestor

earningsonsuchlossreserve.LendercannolongerrequirelossreservepaymentsifMortgageInsurance

coverage(intheamountandfortheperiodthatLenderrequires)providedby aninsurerselectedbyLender

againbecomesavailable,isobtained,andLenderrequiresseparatelydesignatedpaymentstowardthe

premiumsforMortgageInsurance.IfLenderrequiredMortgageInsuranceasa conditionofmakingthe

LoanandBorrowerwasrequiredtomakeseparatelydesignatedpaymentstowardthepremiumsforMortgage

Insurance,BorrowershallpaythepremiumsrequiredtomaintainMortgageInsuranceineffect,ortoprovideanon-refundablelossreserve,untilLender'srequirementforMortgageInsuranceendsinaccordancewith

anywrittenagreementbetweenBorrowerandLenderprovidingforsuchterminationoruntilterminationis

requiredbyApplicableLaw. NothinginthisSection10affectsBorrower'sobligationtopayinterestatthe

rateprovidedintheNote.

MortgageInsurancereimbursesLender(oranyentitythatpurchasestheNote)forcertainlossesitmayincurifBorrowerdoesnotrepaytheLoanasagreed.BorrowerisnotapartytotheMortgageInsurance.

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Mortgageinsurersevaluatetheirtotalriskonallsuchinsuranceinforcefromtimetotime,andmayenterintoagreementswithotherpartiesthatshareormodifytheirrisk,orreducelosses.Theseagreementsareontermsandconditionsthataresatisfactorytothemortgageinsurerandtheotherparty(orparties)to

theseagreements.Theseagreementsmay requirethemortgageinsurertomakepaymentsusinganysource

offundsthatthemortgageinsurermay haveavailable(whichmay includefundsobtainedfromMortgageInsurancepremiums).

Asaresultoftheseagreements,Lender,anypurchaseroftheNote,anotherinsurer,anyreinsurer,anyotherentity,oranyaffiliateofanyoftheforegoing,may receive(directlyorindirectly)amountsthatderive

from(ormightbecharacterizedas)aportionofBorrower'spaymentsforMortgageInsurance,inexchangeforsharingormodifyingthemortgageinsurer'srisk,orreducinglosses.Ifsuchagreementprovidesthat

anaffiliateofLendertakesashareoftheinsurer'sriskinexchangeforashareofthepremiumspaidtothe

insurer,thearrangementisoftentermed"captivereinsurance."Further:

(a)Any suchagreementswillnotaffecttheamountsthatBorrowerhasagreedtopay for

MortgageInsurance,oranyothertermsoftheLoan. Suchagreementswillnotincreasetheamount

Borrowerwillowe forMortgageInsurance,andtheywillnotentitleBorrowertoanyrefund.

(b)Any suchagreementswillnotaffecttherightsBorrowerhas-ifany-withrespecttothe

MortgageInsuranceundertheHomeownersProtectionActof1998oranyotherlaw.Theserightsmayincludetherighttoreceivecertaindisclosures,torequestand obtaincancellationoftheMortgage

Insurance,tohavetheMortgageInsuranceterminatedautomatically,and/ortoreceivearefundofany

MortgageInsurancepremiumsthatwereunearnedatthetimeofsuchcancellationortermination.

11.AssignmentofMiscellaneousProceeds;Forfeiture.AllMiscellaneousProceedsarehereby

assignedtoandshallbepaidtoLender.IfthePropertyisdamaged,suchMiscellaneousProceedsshallbeappliedtorestorationorrepairofthe

Property,iftherestorationorrepairiseconomicallyfeasibleandLender'ssecurityisnotlessened.Duringsuchrepairandrestorationperiod,LendershallhavetherighttoholdsuchMiscellaneousProceedsuntil

LenderhashadanopportunitytoinspectsuchPropertytoensuretheworkhasbeencompletedtoLender's

satisfaction,providedthatsuchinspectionshallbeundertakenpromptly.Lendermaypayfortherepairsand

restorationina singledisbursementorina seriesofprogresspaymentsastheworkiscompleted.Unless

anagreementismade inwritingorApplicableLaw requiresinteresttobepaidon suchMiscellaneous

Proceeds,LendershallnotberequiredtopayBorroweranyinterestorearningson suchMiscellaneous

Proceeds.IftherestorationorrepairisnoteconomicallyfeasibleorLender'ssecuritywouldbelessened,theMiscellaneousProceedsshallbeappliedtothesumssecuredbythisSecurityInstrument,whetherornot

thendue,withtheexcess,ifany,paidtoBorrower.SuchMiscellaneousProceedsshallbeappliedinthe

orderprovidedforinSection2.Intheeventofatotaltaking,destruction,orlossinvalueoftheProperty,theMiscellaneousProceeds

shallbeappliedtothesumssecuredbythisSecurityInstrument,whetherornotthendue,withtheexcess,ifany,paidtoBorrower.

Intheeventofapartialtaking,destruction,orlossinvalueofthePropertyinwhichthefairmarket

valueofthePropertyimmediatelybeforethepartialtaking,destruction,orlossinvalueisequaltoorgreaterthantheamountofthesumssecuredby thisSecurityInstrumentimmediatelybeforethepartialtaking,

destruction,orlossinvalue,unlessBorrowerandLenderotherwiseagreeinwriting,thesumssecuredbythisSecurityInstrumentshallbereducedbytheamountoftheMiscellaneousProceedsmultipliedby the

followingfraction:(a)thetotalamountof thesums securedimmediatelybeforethepartialtaking,

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destruction,orlossinvaluedividedby (b)thefairmarketvalueofthePropertyimmediatelybeforethe

partialtaking,destruction,orlossinvalue.Any balanceshallbepaidtoBorrower.

Intheeventofapartialtaking,destruction,orlossinvalueofthePropertyinwhichthefairmarket

valueofthePropertyimmediatelybeforethepartialtaking,destruction,orlossinvalueislessthanthe

amountofthesumssecuredimmediatelybeforethepartialtaking,destruction,orlossinvalue,unless

BorrowerandLenderotherwiseagreeinwriting,theMiscellaneousProceedsshallbeappliedtothesums

securedbythisSecurityInstrumentwhetherornotthesumsarethendue.

IfthePropertyisabandonedbyBorrower,orif,afternoticebyLendertoBorrowerthattheOpposing

Party(asdefinedinthenextsentence)offerstomakeanawardtosettleaclaimfordamages,Borrowerfails

torespondtoLenderwithin30daysafterthedatethenoticeisgiven,Lenderisauthorizedtocollectand

applytheMiscellaneousProceedseithertorestorationorrepairofthePropertyortothesumssecuredbythisSecurityInstrument,whetherornotthendue. "OpposingParty"meansthethirdpartythatowes

BorrowerMiscellaneousProceedsorthepartyagainstwhom Borrowerhasarightofactioninregardto

MiscellaneousProceeds.Borrowershallbeindefaultifanyactionorproceeding,whethercivilorcriminal,isbegunthat,in

Lender'sjudgment,couldresultinforfeitureofthePropertyorothermaterialimpairmentofLender's

interestinthePropertyorrightsunderthisSecurityInstrument.Borrowercancuresuchadefaultand,if

accelerationhasoccurred,reinstateasprovidedinSection19,by causingtheactionorproceedingtobe

dismissedwitha rulingthat,inLender'sjudgment,precludesforfeitureofthePropertyorothermaterial

impairmentofLender'sinterestinthePropertyorrightsunderthisSecurityInstrument.Theproceedsof

anyawardorclaimfordamagesthatareattributabletotheimpairmentofLender'sinterestinthePropertyareherebyassignedandshallbepaidtoLender.

AllMiscellaneousProceedsthatarenotappliedtorestorationorrepairofthePropertyshallbeappliedintheorderprovidedforinSection2.

12.BorrowerNot Released;ForbearanceBy LenderNot a Waiver. Extensionofthetimefor

paymentormodificationofamortizationofthesumssecuredbythisSecurityInstrumentgrantedbyLender

toBorroweroranySuccessorinInterestofBorrowershallnotoperatetoreleasetheliabilityofBorrower

oranySuccessorsinInterestofBorrower.Lendershallnotberequiredtocommenceproceedingsagainst

any SuccessorinInterestofBorrowerortorefusetoextendtimeforpaymentor otherwisemodifyamortizationofthesumssecuredbythisSecurityInstrumentbyreasonofanydemandmadebytheoriginalBorroweroranySuccessorsinInterestofBorrower.Any forbearancebyLenderinexercisinganyrightor

remedyincluding,withoutlimitation,Lender'sacceptanceofpaymentsfromthirdpersons,entitiesor

SuccessorsinInterestofBorrowerorinamountslessthantheamountthendue,shallnotbeawaiverofor

precludetheexerciseofanyrightorremedy.13.JointandSeveralLiability;Co-signers;SuccessorsandAssignsBound. Borrowercovenants

andagreesthatBorrower'sobligationsandliabilityshallbejointandseveral.However,anyBorrowerwho

co-signsthisSecurityInstrumentbutdoesnotexecutetheNote(a"co-signer"):(a)isco-signingthis

SecurityInstrumentonlytomortgage,grantandconveytheco-signer'sinterestinthePropertyunderthe

termsofthisSecurityInstrument;(b)isnotpersonallyobligatedtopaythesumssecuredby thisSecurity

Instrument;and(c)agreesthatLenderandanyotherBorrowercanagreetoextend,modify,forbearormake

anyaccommodationswithregardtothetermsofthisSecurityInstrumentortheNotewithouttheco-signer'sconsent.

SubjecttotheprovisionsofSection18,anySuccessorinInterestofBorrowerwho assumesBorrower's

obligationsunderthisSecurityInstrumentinwriting,and isapprovedby Lender,shallobtainallof

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Borrower'srightsandbenefitsunderthisSecurityInstrument.Borrowershallnotbe releasedfrom

Borrower'sobligationsandliabilityunderthisSecurityInstrumentunlessLenderagreestosuchreleasein

writing.ThecovenantsandagreementsofthisSecurityInstrumentshallbind(exceptasprovidedinSection

20)andbenefitthesuccessorsandassignsofLender.14.Loan Charges.Lendermay chargeBorrowerfeesforservicesperformedinconnectionwith

Borrower'sdefault,forthepurposeofprotectingLender'sinterestinthePropertyandrightsunderthis

SecurityInstrument,including,butnotlimitedto,attorneys'fees,propertyinspectionandvaluationfees.

Inregardtoanyotherfees,theabsenceofexpressauthorityinthisSecurityInstrumenttochargeaspecificfeetoBorrowershallnotbeconstruedasaprohibitiononthechargingofsuchfee.Lendermay notchargefeesthatareexpresslyprohibitedbythisSecurityInstrumentorbyApplicableLaw.

IftheLoanissubjecttoalawwhichsetsmaximum loancharges,andthatlawisfinallyinterpretedso

thattheinterestorotherloanchargescollectedortobe collectedinconnectionwiththeLoanexceedthe

permittedlimits,then:(a)anysuchloanchargeshallbereducedbytheamountnecessarytoreducethe

chargetothepermittedlimit;and(b)anysumsalreadycollectedfromBorrowerwhichexceededpermittedlimitswillberefundedtoBorrower.Lendermay choosetomakethisrefundbyreducingtheprincipalowed

undertheNoteorbymakingadirectpaymenttoBorrower.Ifarefundreducesprincipal,thereductionwill

betreatedasapartialprepaymentwithoutanyprepaymentcharge(whetherornotaprepaymentchargeis

providedforundertheNote).Borrower'sacceptanceofanysuchrefundmade by directpaymentto

BorrowerwillconstituteawaiverofanyrightofactionBorrowermighthavearisingoutofsuchovercharge.15.Notices.AllnoticesgivenbyBorrowerorLenderinconnectionwiththisSecurityInstrumentmust

beinwriting.Any noticetoBorrowerinconnectionwiththisSecurityInstrumentshallbedeemedtohave

beengiventoBorrowerwhen mailedby firstclassmailorwhen actuallydeliveredtoBorrower'snotice

addressifsentbyothermeans.NoticetoanyoneBorrowershallconstitutenoticetoallBorrowersunless

ApplicableLaw expresslyrequiresotherwise.The noticeaddressshallbe thePropertyAddressunless

Borrowerhasdesignateda substitutenoticeaddressby noticetoLender.BorrowershallpromptlynotifyLenderofBorrower'schangeofaddress.IfLenderspecifiesaprocedureforreportingBorrower'schangeofaddress,thenBorrowershallonlyreportachangeofaddressthroughthatspecifiedprocedure.TheremaybeonlyonedesignatednoticeaddressunderthisSecurityInstrumentatanyonetime.Any noticetoLender

shallbegivenbydeliveringitorby mailingitby firstclassmailtoLender'saddressstatedhereinunless

LenderhasdesignatedanotheraddressbynoticetoBorrower.Any noticeinconnectionwiththisSecurityInstrumentshallnotbedeemedtohavebeengiventoLenderuntilactuallyreceivedbyLender.Ifanynotice

requiredbythisSecurityInstrumentisalsorequiredunderApplicableLaw,theApplicableLaw requirementwillsatisfythecorrespondingrequirementunderthisSecurityInstrument.

16.GoverningLaw; Severability;Rulesof Construction.ThisSecurityInstrumentshallbe

governedbyfederallawandthelawofthejurisdictioninwhichthePropertyislocated.Allrightsand

obligationscontainedinthisSecurityInstrumentaresubjecttoany requirementsand limitationsof

ApplicableLaw. ApplicableLaw mightexplicitlyorimplicitlyallowthepartiestoagreeby contractorit

mightbesilent,butsuchsilenceshallnotbeconstruedasaprohibitionagainstagreementbycontract.In

theeventthatanyprovisionorclauseofthisSecurityInstrumentortheNoteconflictswithApplicableLaw,suchconflictshallnotaffectotherprovisionsofthisSecurityInstrumentortheNotewhichcanbegiveneffectwithouttheconflictingprovision.

As usedinthisSecurityInstrument:(a)wordsofthemasculinegendershallmean andinclude

correspondingneuterwordsorwordsofthefemininegender;(b)wordsinthesingularshallmean and

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includethepluralandviceversa;and(c)theword"may"givessolediscretionwithoutanyobligationtotake

anyaction.17.Borrower'sCopy. BorrowershallbegivenonecopyoftheNoteandofthisSecurityInstrument.

18.TransferofthePropertyora BeneficialInterestinBorrower.As usedinthisSection18,"InterestintheProperty"meansanylegalorbeneficialinterestintheProperty,including,butnotlimited

to,thosebeneficialintereststransferredinabondfordeed,contractfordeed,installmentsalescontractor

escrowagreement,theintentofwhichisthetransferoftitlebyBorroweratafuturedatetoapurchaser.IfalloranypartofthePropertyoranyInterestinthePropertyissoldortransferred(orifBorrower

isnotanaturalpersonandabeneficialinterestinBorrowerissoldortransferred)withoutLender'spriorwrittenconsent,Lendermay requireimmediatepaymentinfullofallsums securedby thisSecurityInstrument.However,thisoptionshallnotbe exercisedby Lenderifsuchexerciseisprohibitedby

ApplicableLaw.IfLenderexercisesthisoption,LendershallgiveBorrowernoticeofacceleration.Thenoticeshall

provideaperiodofnotlessthan30 daysfromthedatethenoticeisgiveninaccordancewithSection15

withinwhichBorrowermustpayallsumssecuredbythisSecurityInstrument.IfBorrowerfailstopaythese

sumspriortotheexpirationofthisperiod,Lendermay invokeanyremediespermittedby thisSecurityInstrumentwithoutfurthernoticeordemandonBorrower.

19.Borrower'sRighttoReinstateAfterAcceleration.IfBorrowermeetscertainconditions,BorrowershallhavetherighttohaveenforcementofthisSecurityInstrumentdiscontinuedatanytimepriortotheearliestof:(a)fivedaysbeforesaleofthePropertypursuanttoanypowerofsalecontainedinthis

SecurityInstrument;(b)suchotherperiodasApplicableLaw mightspecifyfortheterminationofBorrower's

righttoreinstate;or(c)entryofajudgmentenforcingthisSecurityInstrument.Thoseconditionsarethat

Borrower:(a)paysLenderallsumswhichthenwouldbedueunderthisSecurityInstrumentandtheNote

asifnoaccelerationhadoccurred;(b)curesanydefaultofanyothercovenantsoragreements;(c)paysall

expensesincurredinenforcingthisSecurityInstrument,including,butnotlimitedto,reasonableattorneys'

fees,propertyinspectionandvaluationfees,andotherfeesincurredforthepurposeofprotectingLender's

interestinthePropertyandrightsunderthisSecurityInstrument;and(d)takessuchactionasLendermay

reasonablyrequiretoassurethatLender'sinterestinthePropertyandrightsunderthisSecurityInstrument,andBorrower'sobligationtopaythesumssecuredbythisSecurityInstrument,shallcontinueunchanged.Lendermay requirethatBorrowerpaysuchreinstatementsuntsandexpensesinoneormoreofthefollowing

forms,asselectedbyLender:(a)cash;(b)moneyorder;(c)certifiedcheck,bankcheck,treasurer'scheck

orcashier'scheck,providedanysuchcheckisdrawnuponaninstitutionwhosedepositsareinsuredby a

federalagency,instrumentalityor entity;or (6)ElectronicFundsTransfer.Upon reinstatementby

Borrower,thisSecurityInstrumentandobligationssecuredherebyshallremainfullyeffectiveasifno

accelerationhadoccurred.However,thisrighttoreinstateshallnotapplyinthecaseofaccelerationunder

Section18.20.SaleofNote;ChangeofLoanServicer;NoticeofGrievance.TheNoteorapartialinterestin

theNote(togetherwiththisSecurityInstrument)canbesoldoneormoretimeswithoutpriornoticeto

Borrower.A salemightresultinachangeintheentity(knownasthe"LoanServicer")thatcollectsPeriodic

PaymentsdueundertheNoteandthisSecurityInstrumentandperformsothermortgageloanservicing

obligationsundertheNote,thisSecurityInstrument,andApplicableLaw. Therealsomightbeoneormore

changesoftheLoanServicerunrelatedtoa saleoftheNote.Ifthereisa changeoftheLoanServicer,

Borrowerwillbegivenwrittennoticeofthechangewhichwillstatethenameandaddressofthenew Loan

Servicer,theaddresstowhichpaymentsshouldbemade andanyotherinformationRESPA requiresin

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connectionwithanoticeoftransferofservicing.IftheNoteissoldandthereaftertheLoanisservicedbya LoanServicerotherthanthepurchaseroftheNote,themortgageloanservicingobligationstoBorrower

willremainwiththeLoanServicerorbetransferredtoa successorLoanServicerandarenotassumedbytheNotepurchaserunlessotherwiseprovidedby theNotepurchaser.

NeitherBorrowernorLendermay commence,join,orbejoinedtoanyjudicialaction(aseitheran

individuallitigantorthememberofaclass)thatarisesfromtheotherparty'sactionspursuanttothisSecurityInstrumentorthatallegesthattheotherpartyhasbreachedanyprovisionof,oranydutyowedbyreasonof,thisSecurityInstrument,untilsuchBorrowerorLenderhasnotifiedtheotherparty(withsuchnoticegivenincompliancewiththerequirementsofSection15)ofsuchallegedbreachandaffordedtheotherpartyhereto

areasonableperiodafterthegivingofsuchnoticetotakecorrectiveaction.IfApplicableLaw providesa

timeperiodwhichmustelapsebeforecertainactioncanbe taken,thattimeperiodwillbedeemedtobe

reasonableforpurposesofthisparagraph.The noticeofaccelerationandopportunitytocuregivento

BorrowerpursuanttoSection22andthenoticeofaccelerationgiventoBorrowerpursuanttoSection18shall

bedeemedtosatisfythenoticeandopportunitytotakecorrectiveactionprovisionsofthisSection20.

21.HazardousSubstances.As usedinthisSection21: (a)"HazardousSubstances"arethose

substancesdefinedastoxicorhazardoussubstances,pollutants,orwastesby EnvironmentalLaw andthe

followingsubstances:gasoline,kerosene,otherflammableortoxicpetroleumproducts,toxicpesticidesand

herbicides,volatilesolvents,materialscontainingasbestosorformaldehyde,andradioactivematerials;(b)"EnvironmentalLaw"meansfederallawsandlawsofthejurisdictionwherethePropertyislocatedthatrelate

tohealth,safetyorenvironmentalprotection;(c)"EnvironmentalCleanup"includesanyresponseaction,remedialaction,orremovalaction,asdefinedinEnvironmentalLaw;and(d)an"EnvironmentalCondition"

meansaconditionthatcancause,contributeto,orotherwisetriggeranEnvironmentalCleanup.Borrowershallnotcauseorpermitthepresence,use,disposal,storage,orreleaseofanyHazardous

Substances,orthreatentoreleaseanyHazardousSubstances,onorintheProperty.Borrowershallnotdo,norallowanyoneelsetodo,anythingaffectingtheProperty(a)thatisinviolationofanyEnvironmental

Law,(b)whichcreatesanEnvironmentalCondition,or(c)which,duetothepresence,use,orreleaseofa

HazardousSubstance,createsaconditionthatadverselyaffectsthevalueoftheProperty.Theprecedingtwo

sentencesshallnotapplytothepresence,use,orstorageonthePropertyofsmallquantitiesofHazardous

Substancesthataregenerallyrecognizedtobeappropriatetonormalresidentialusesandtomaintenanceof

theProperty(including,butnotlimitedto,hazardoussubstancesinconsumerproducts).BorrowershallpromptlygiveLenderwrittennoticeof(a)anyinvestigation,claim,demand,lawsuit

orotheractionbyanygovernmentalorregulatoryagencyorprivatepartyinvolvingthePropertyandanyHazardousSubstanceorEnvironmentalLaw ofwhichBorrowerhasactualknowledge,(b)anyEnviromnental

Condition,includingbutnotlimitedto,anyspilling,leaking,discharge,releaseorthreatofreleaseofanyHazardousSubstance,and(c)anyconditioncausedbythepresence,useorreleaseofaHazardousSubstance

whichadverselyaffectsthevalueoftheProperty.IfBorrowerlearns,orisnotifiedbyanygovernmentalorregulatoryauthority,oranyprivateparty,thatanyremovalor otherremediationofanyHazardous

SubstanceaffectingthePropertyisnecessary,Borrowershallpromptlytakeallnecessaryremedialactions

inaccordancewithEnvironmentalLaw. Nothinghereinshallcreateanyobligationon Lenderforan

EnvironmentalCleanup.

NON-UNIFORM COVENANTS. BorrowerandLenderfurthercovenantandagreeasfollows:

22.Acceleration;Remedies.LendershallgivenoticetoBorrowerpriortoaccelerationfollowingBorrower'sbreachofany covenantor agreementin thisSecurityInstrument(butnotpriorto

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accelerationunderSection18unlessApplicableLaw providesotherwise).Thenoticeshallspecify:(s)thedefault;(b)theactionrequiredtocurethedefault;(c)a date,notlessthan30daysfromthedatethenoticeisgiventoBorrower,by whichthedefaultmustbecured;and (d)thatfailuretocurethe

defaultonorbeforethedatespecifiedinthenoticemay resultinaccelerationofthesumssecuredbythisSecurityInstrumentandsaleofthePropertyatpublicauctionata datenotlessthan120daysin

thefuture.The noticeshallfurtherinformBorroweroftherighttoreinstateafteracceleration,the

righttobringa courtactiontoassertthenon-existenceofadefaultoranyotherdefenseofBorrower

toaccelerationandsale,andanyothermattersrequiredtobeincludedinthenoticebyApplicableLaw.

Ifthedefaultisnotcuredonorbeforethedatespecifiedinthenotice,Lenderatitsoption,may requireimmediatepaymentinfullofallsumssecuredbythisSecurityInstrumentwithoutfurtherdemandand

may invokethepowerofsaleand/oranyotherremediespermittedbyApplicableLaw. Lendershall

be entitledtocollectallexpensesincurredinpursuingtheremediesprovidedinthisSection22,

including,butnotlimitedto,reasonableattorneys'feesandcostsoftitleevidence.IfLenderinvokesthepowerofsale,LendershallgivewrittennoticetoTrusteeoftheoccurrence

ofaneventofdefaultandofLender'selectiontocausethePropertytobesold.TrusteeandLender

shalltakesuchactionregardingnoticeofsaleand shallgivesuchnoticestoBorrowerand toother

personsasApplicableLaw may require.Afterthetimerequiredby ApplicableLaw and after

publicationofthenoticeofsale,Trustee,withoutdemandonBorrower,shallsellthePropertyatpublicauctiontothehighestbidderatthetimeandplaceandunderthetermsdesignatedinthenoticeofsale

inoneormoreparcelsandinanyorderTrusteedetermines.Trusteemay postponesaleofthePropertyfora periodorperiodspermittedby ApplicableLaw by publicannouncementatthetimeandplacefixedinthenoticeofsale.Lenderoritsdesigneemay purchasethePropertyatanysale.

TrusteeshalldelivertothepurchaserTrustee'sdeedconveyingthePropertywithoutanycovenant

orwarranty,expressedorimplied.The recitalsintheTrustee'sdeedshallbeprimafacieevidenceof

thetruthofthestatementsmade therein.Trusteeshallapplytheproceedsofthesaleinthefollowingorder:(a)toallexpensesofthesale,including,butnotlimitedto,reasonableTrustee'sandattorneys'

fees;(b)toallsums securedby thisSecurityInstrument;and(c)anyexcesstothepersonorpersons

legallyentitledtoitortotheclerkofthesuperiorcourtofthecountyinwhichthesaletookplace.23.Reconveyance.Upon paymentofallsumssecuredby thisSecurityInstrument,Lendershall

requestTrusteetoreconveythePropertyandshallsurrenderthisSecurityInstrumentandallnotesevidencingdebtsecuredbythisSecurityInstrumenttoTrustee.TrusteeshallreconveythePropertywithoutwarrantytothepersonorpersonslegallyentitledtoit.Suchpersonorpersonsshallpayanyrecordationcostsand

theTrustee'sfeeforpreparingthereconveyance.24.SubstituteTrustee.InaccordancewithApplicableLaw,Lendermay fromtimetotimeappoint

asuccessortrusteetoanyTrusteeappointedhereunderwho hasceasedtoact.Withoutconveyanceofthe

Property,thesuccessortrusteeshallsucceedtoallthetitle,poweranddutiesconferreduponTrusteeherein

andby ApplicableLaw.25.UseofProperty.ThePropertyisnotusedprincipallyforagriculturalpurposes.26.Attorneys'Fees.Lendershallbeentitledtorecoveritsreasonableattorneys'feesandcostsinany

actionorproceedingtoconstrueorenforceanytermofthisSecurityInstrument.Theterm"attorneys'fees,"wheneverusedinthisSecurityInstrument,shallincludewithoutlimitationattorneys'feesincurredbyLender

inanybankruptcyproceedingoronappeal.

WASHINGTON-SingleFamily-FannieMae/FreddieMacUNIFORMINSTRUMENT DocAraglcMINDiaBForm30481/01 Page15of17 www.docmagic.com

ORAL AGREEMENTS OR ORAL COMMITMENTS TO LOAN MONEY, EXTEND

CREDIT, OR TO FORBEAR FROM ENFORCING REPAYMENT OF A DEBT ARE NOT

ENFORCEABLE UNDER WASHINGTON LAW.

BY SIGNING BELOW, Borroweracceptsandagreestothetermsandcovenantscontainedinthis

SecurityInstrumentandinanyRiderexecutedbyBorrowerandrecordedwithit.

Kimberly Sanders -Borrower Harlan D Sanders -Borrower

(Seal) (Seal)-Borrower -Borrower

(Seal) (Seal)-Borrower -Borrower

Wit Witness:

WASHINGTON-SingleFamily-FannieMae/FreddieMacUNIFORMINSTRUMENT MychForm30481/01 Page16of17 www.docmagic.com

[SpaceBelowThisLineForAcknowledgment]

Stateof WASHINGTON )

Countyof THURSTON

On thisdaypersonallyappearedbeforeme Kimberly A Sanders AND Harlan

D Sanders

tome knowntobetheindividualorindividualsdescribedinandwho executedthewithinandforegoing

instrument,andacknowledgedthathe/she/theysignedthesameashis/her/theirfreeandvoluntaryactand

deed,fortheusesandpurposesthereinmentioned.

Givenundermy handandofficialsealthis ayof

NotaryPublicinandforthestateofWashington,NotaryPublic . ,.---

StateofWashingtonresidingat:

CHRISTINE L.MANSEN

My commissionexpires:

WASHINGTON4ingleFamily-FannieMae/FreddieMacUNIFORMINSTRUMENT eMFoun30481/01 Page17of17 www.docmagic.com

Loan Number: 130501009

PLANNED UNIT DEVELOPMENT RIDER

THIS PLANNED UNIT DEVELOPMENT RIDER ismade this 18th day of

MAY, 2 013 ,andisincorporatedintoandshallbedeemedtoamendand

supplementtheMortgage,DeedofTrust,orSecurityDeed(the"SecurityInstrument")ofthesamedate,

givenbytheundersigned(the"Borrower")tosecureBorrower'sNotetoWASHINGTON STATE

EMPLOYEES CREDIT UNION, A WASHINGTON CORPORATION

(the"Lender")ofthesamedateandcoveringthePropertydescribedintheSecurityInstrumentandlocatedat:

412 Raintree Lp Ct SE, Rainier, Washington 98576

[PropertyAddress)

ThePropertyincludes,butisnotlimitedto,aparceloflandimprovedwithadwelling,togetherwithother

suchparcelsandcertaincommon areasandfacilities,asdescribedin

COVENANTS, CONDITIONS AND RESTRICTIONS OF RECORD

(the"Declaration").ThePropertyisapartofaplannedunitdevelopmentknownas

RAINIER VILLAGE

[NameofPlannedUnitDevelopment]

(the"PUD").ThePropertyalsoincludesBorrower'sinterestinthehomeownersassociationorequivalent

entityowningormanagingthecommon areasandfacilitiesofthePUD (the"OwnersAssociation")andthe

uses,benefitsandproceedsofBorrower'sinterest.

PUD COVENANTS. Inadditiontothecovenantsandagreementsmade intheSecurityInstrument,BorrowerandLenderfurthercovenantandagreeasfollows:

A. PUD Obligations.BorrowershallperformallofBorrower'sobligationsunderthePUD's

ConstituentDocuments.The"ConstituentDocuments"arethe(i)Declaration;(ii)articlesofincorporation,trustinstrumentoranyequivalentdocumentwhichcreatestheOwnersAssociation;and(iii)anyby-lawsor

otherrulesorregulationsoftheOwnersAssociation.Borrowershallpromptlypay,whendue,allduesand

assessmentsimposedpursuanttotheConstituentDocuments.

B. PropertyInsurance. SolongastheOwnersAssociationmaintains,withagenerallyacceptedinsurancecarrier,a "master"or"blanket"policyinsuringthePropertywhichissatisfactorytoLenderand

MULTISTATEPUDRIDER-SingleFamily DocaragredDunnaFannieMae/FreddieMacUNIFORMINSTRUMENT www.doemagic.comFonn31501/01 Page1of3

whichprovidesinsurancecoverageintheamounts(includingdeductiblelevels),fortheperiods,andagainstlossby fire,hazardsincludedwithintheterm"extendedcoverage,"andanyotherhazards,including,but

notlimitedto,earthquakesandfloods,forwhichLenderrequiresinsurance,then:(i)Lenderwaivesthe

provisioninSection3 forthePeriodicPaymenttoLenderoftheyearlypremiuminstallmentsforpropertyinsuranceon theProperty;and(ii)Borrower'sobligationunderSection5 tomaintainpropertyinsurance

coverageon thePropertyisdeemedsatisfiedtotheextentthattherequiredcoverageisprovidedby the

OwnersAssociationpolicy.WhatLenderrequiresasaconditionofthiswaivercanchangeduringthetermoftheloan.

BorrowershallgiveLenderpromptnoticeofanylapseinrequiredpropertyinsurancecoverageprovidedbythemasterorblanketpolicy.

IntheeventofadistributionofpropertyinsuranceproceedsinlieuofrestorationorrepairfollowingalosstotheProperty,ortocommon areasandfacilitiesofthePUD, anyproceedspayabletoBorrowerare

herebyassignedandshallbepaidtoLender.Lendershallapplytheproceedstothesumssecuredby the

SecurityInstrument,whetherornotthendue,withtheexcess,ifany,paidtoBorrower.

C. PublicIJabilityInsurance. Borrowershalltakesuchactionsasmay bereasonabletoinsure

thattheOwnersAssociationmaintainsapublicliabilityinsurancepolicyacceptableinform,amount,and

extentofcoveragetoLender.

D. Condemnation. Theproceedsofanyawardorclaimfordamages,directorconsequential,

payabletoBorrowerinconnectionwithanycondemnationorothertakingofalloranypartofthePropertyorthecommon areasandfacilitiesofthePUD, orforanyconveyanceinlieuofcondemnation,arehereby

assignedandshallbepaidtoLender.SuchproceedsshallbeappliedbyLendertothesumssecuredbythe

SecurityInstrumentasprovidedinSection1L

E. Lender'sPriorConsent. Borrowershallnot,exceptafternoticetoLenderandwithLender's

priorwrittenconsent,eitherpartitionorsubdividethePropertyorconsentto: (i)theabandonmentor

terminationofthePUD, exceptforabandonmentorterminationrequiredby lawinthecaseofsubstantial

destructionbyfireorothercasualtyorinthecaseofatakingbycondemnationoreminentdomain;(ii)anyamendmenttoanyprovisionofthe"ConstituentDocuments"iftheprovisionisfortheexpressbenefitof

Lender;(iii)terminationofprofessionalmanagementandassumptionofself-managementoftheOwners

Association;or(iv)anyactionwhichwouldhavetheeffectofrenderingthepublicliabilityinsurance

coveragemaintainedbytheOwnersAssociationunacceptabletoLender.

F. Remedies. IfBorrowerdoesnotpayPUD duesandassessmentswhendue,thenLendermay paythem.Any amountsdisbursedbyLenderunderthisparagraphF shallbecomeadditionaldebtofBorrower

securedbytheSecurityInstrument.UnlessBorrowerandLenderagreetoothertermsofpayment,these

amountsshallbearinterestfromthedateofdisbursementattheNoterateandshallbepayable,withinterest,

uponnoticefromLendertoBorrowerrequestingpayment.

MULTISTATEPUD RIDER-SingleFamily DocaragickFannieMae/FreddieMacUNIFORMINSTRUMENT www.docmagic.comForm31501/01 Page2 of3

BY SIGNING BELOW, BorroweracceptsandagreestothetermsandcovenantscontainedinthisPUD

Rider.

14 t 4 (2/7 (Seal)ci ,)), (Seal)

Kimberly ALSanders -Borrower Harlan D'Sanders -Borrower

(Seal) (Seal)-Borrower -Borrower

(Seal) (Seal)-Borrower -Borrower

MULTISTATEPUD RIDER--SingleFamily CAFannieMae/FreddieMacUNIFORMINSTRUMENT www.docmagic.comForm31501/01 Fage3of3