Wells Fargo Bank, N.A., as Trustee for Securitized Asset Backed Receivables L.L.C. 2005-FR4 Mortgage Pass-Through Certificates Series 2005-FR4 v. Kingman Holdings, L.L.C., as Trustee of the Manderly Place 8118 Land Trust

ACCEPTED
FILED 04-15-00126-CV
3/6/2015 2:12:03 PM FOURTH COURT OF APPEALS
Donna Kay McKinney SAN ANTONIO, TEXAS
Bexar County District Clerk 3/6/2015 5:17:26 PM
Accepted By: Cecilia Barbosa KEITH HOTTLE
CLERK

CAUSE NO. 2014-CI-17188

KINGMAN HOLDINGS, L.L.C., as § IN THE DISTRICT COURT
FILED IN
Trustee of the MANDERLY PLACE 8118 § 4th COURT OF APPEALS
LAND TRUST, § SAN ANTONIO, TEXAS
Plaintiff, § 03/6/2015 5:17:26 PM
§ KEITH E. HOTTLE
v. § Clerk
§
WELLS FARGO BANK, N.A., as Trustee § 73RD JUDICIAL DISTRICT
for SECURITIZED ASSET BACKED §
RECEIVABLES L.L.C. 2005-FR4 §
MORTGAGE PASS-THROUGH §
CERTIFICATES SERIES 2005-FR4 and §
FREMONT REORGANIZING §
CORPORATION f/k/a FREMONT §
INVESTMENT & LOAN, § BEXAR COUNTY, TEXAS
Defendants. §

DEFENDANT WELLS FARGO BANK, N.A.’S NOTICE OF APPEAL

Notice is hereby given that Defendant Wells Fargo Bank, N.A., as Trustee for Securitized

Asset Backed Receivables L.L.C. 2005-FR4 Mortgage Pass-Through Certificates Series 2005-

FR4 (“Defendant”) appeals from the trial court’s Final Default Judgment, signed on January 21,

2015, in the above-styled and numbered case. This notice and appeal encompass the rulings,

declarations, and awards adverse to Defendant in the Final Default Judgment, as well as all pre-

trial and post-trial orders and rulings adverse to Defendant that were incorporated into, merged

into, issued concurrently with, and/or relied upon in making the Final Default Judgment, and also

any post-judgment orders or rulings adverse to Defendant. See Exhibit A (Motion for New

Trial).1

1
Attached hereto and incorporated herein by reference as Exhibit A is a true and correct copy of
Defendant’s Motion for New Trial filed on February 20, 2015 (the “Motion”). Although the Motion’s caption
correctly identified the parties and court and the substance and exhibits to the Motion unequivocally indicate that the
Motion was filed to challenge the Final Default Judgment signed on January 21, 2015, in the above-entitled cause,
Cause No. 2014-CI-17188, the Motion was inadvertently filed under Cause No. 2014-CI-18120. Although
Defendant believes the Motion should be deemed timely and properly filed for all purposes in this matter, out of an
abundance of caution, Defendant has attached a true and correct copy of the Motion to this Notice.

DEFENDANT WELLS FARGO BANK, N.A.’S NOTICE OF APPEAL PAGE 1 OF 3
AUS:0103793/00286:572986v1
 This appeal is taken to the Court of Appeals for the Fourth District of Texas at San

Antonio.

Respectfully submitted,

LOCKE LORD LLP

By:
B. David L. Foster
State Bar No. 24031555
John W. Ellis
State Bar No. 24078473
600 Congress Ave., Suite 2200
Austin, Texas 78701
(512) 305-4700
(512) 305-4800 (Facsimile)
dfoster@lockelord.com
jellis@lockelord.com

Thomas G. Yoxall
State Bar No. 00785304
Kirsten M. Castañeda
State Bar No. 00792401
2200 Ross Avenue, Suite 2200
Dallas, Texas 75201
(214) 740-8000
(214) 740-8800 (Facsimile)
tyoxall@lockelord.com
kcastaneda@lockelord.com

ATTORNEYS FOR DEFENDANT WELLS
FARGO BANK, N.A., AS TRUSTEE FOR
SECURITIZED ASSET BACKED
RECEIVABLES L.L.C. 2005-FR4 MORTGAGE
PASS-THROUGH CERTIFICATES SERIES
2005-FR4

DEFENDANT WELLS FARGO BANK, N.A.’S NOTICE OF APPEAL PAGE 2 OF 3
AUS:0103793/00286:572986v1
 CERTIFICATE OF SERVICE

I hereby certify that a true and correct copy of the foregoing was served on this 6th day of
March 2015, via electronic service to all counsel of record registered with the Court’s electronic
filing manager and as indicated below to the following:

VIA EMAIL(justin@thenicholslawfirm.com)
Justin P. Nichols
Justin D. Niedens
The Nichols Law Firm, P.L.L.C.
106 S. Saint Mary’s St., Suite 255
San Antonio, Texas 78205
Attorneys for Plaintiff

John W. Ellis

DEFENDANT WELLS FARGO BANK, N.A.’S NOTICE OF APPEAL PAGE 3 OF 3
AUS:0103793/00286:572986v1
Exhibit A
FILED
2/20/2015 3:59:06 PM
Donna Kay McKinney
Bexar County District Clerk
Accepted By: Lisa Sanchez

CAUSE NO. 2014-CI-18120

KINGMAN HOLDINGS, L.L.C., as § IN THE DISTRICT COURT
Trustee of the MANDERLY PLACE 8118 §
LAND TRUST, §
Plaintiff, §
§
v. §
§
WELLS FARGO BANK, N.A., as Trustee § 73RD JUDICIAL DISTRICT
for SECURITIZED ASSET BACKED §
RECEIVABLES L.L.C. 2005-FR4 §
MORTGAGE PASS-THROUGH §
CERTIFICATES 2005-FR4 and §
FREMONT REORGANIZING §
CORPORATION f/k/a FREMONT §
INVESTMENT & LOAN, § BEXAR COUNTY, TEXAS
Defendants. §

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL

Pursuant to Texas Rule of Civil Procedure 320, Defendant Wells Fargo Bank, N.A., as

Trustee for Securitized Asset Backed Receivables L.L.C. 2005-FR4 Mortgage Pass-Through

Certificates 2005-FR4 (“Wells Fargo”) files this Motion for New Trial (“Motion”). In support

thereof, Wells Fargo respectfully shows the Court as follows:

I. INTRODUCTION

On January 21, 2015, Plaintiff Kingman Holdings, L.L.C., as Trustee of the Manderly

Place 8118 Land Trust (“Plaintiff”) obtained a no-answer default judgment (the “Default

Judgment”) against Wells Fargo and the other named defendant, Fremont Reorganizing

Corporation f/k/a Fremont Investment & Loan (“Fremont”). Wells Fargo did not answer the

Petition in this matter for a very simple reason: it was never served with a citation or the Petition

in compliance with the applicable rules, and, thus, no answer was due. Plaintiff’s failure to

comply with basic service of process requirements renders the Default Judgment void. The

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 1 OF 20
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Court should vacate the Default Judgment and grant a new trial because Wells Fargo was not

properly served with Plaintiff’s Original Petition (the “Petition”). Specifically, the Court should

vacate the default judgment and grant a new trial because the citation and Petition were not

issued to or served on Wells Fargo’s registered agent. Accordingly, service was not effected in

strict compliance with the Texas service rules, and therefore, the Court should vacate the Default

Judgment and grant a new trial. The Court should also grant a new trial because the factual

allegations in Plaintiff’s Petition fail state a claim for the requested relief. Wells Fargo is ready,

willing and able to defend this case on the merits.

II. BACKGROUND FACTS

A. Wells Fargo Is a Nonresident Financial Institution.

Wells Fargo is a foreign financial institution. As a national banking association, Wells

Fargo’s citizenship is determined solely by the location of its main office, as designated in its

articles of association. See 28 U.S.C. § 1348; Wachovia Bank v. Schmidt, 546 U.S. 303, 318

(2006). Wells Fargo’s main office is located in the State of South Dakota. See Ex. A-1.1 Thus,

Wells Fargo is a citizen of the South Dakota.

B. As a Nonresident Financial Institution and Pursuant to Texas Civil Practice &
Remedies Code Section 17.028, Wells Fargo Has Designated a Registered Agent to
Accept Service of Process on its Behalf.

For all relevant periods, Wells Fargo has continuously designated and maintained a

registered agent with the Texas Secretary of State (“Secretary of State”).2 See Ex. A-2, A-3,

1
Pursuant to Texas Rule of Evidence 201, Wells Fargo requests that the Court take judicial notice of the public
government records that are attached to this Motion through the Declaration of John W. Ellis and incorporated
herein as Exhibits A-1, A-2, A-3, A-4, A-5. Specifically, the Court may access the public information attached as
Exhibits A-1 and A-5 through the Federal Deposit Insurance Corporation’s online BankFind website
http://research.fdic.gov/bankfind/index.html (search by FDIC # “3511” and select the result for Institution Name
“Wells Fargo Bank, National Association.” The “Overview” tab of the BankFind website shows Wells Fargo’s
headquarters, and the “Locations” tab shows information for branch locations.)
2
Wells Fargo also requests that the Court take judicial notice of the fact that it has a registered agent and had a
registered agent at the time Plaintiff filed suit. See TEX. R. EVID. 201. Attached as Exhibits A-2, A-3, and A-4 to

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 2 OF 20
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A-4. Wells Fargo’s registered agent is Corporation Service Company, 211 E 7th Street, Suite

620, Austin, Texas 78701-3218. See Ex. A-2, Ex. A-3, Ex. A-4.

C. Plaintiff Failed to Attempt to Serve Wells Fargo’s Registered Agent.

On October 30, 2013, Plaintiff filed its Petition asserting a claim for quiet title and

request for declaratory judgment against Wells Fargo and Fremont. See Pet. at ¶¶ 9-22. Instead

of requesting service through Wells Fargo’s registered agent as required by section 17.028 of the

Texas Civil Practice and Remedies Code, Plaintiff’s Petition erroneously requested substitute

service to Wells Fargo through the Texas Secretary of State. See Pet. at ¶ 3. In the Petition,

Plaintiff never alleged that it attempted to serve Wells Fargo’s registered agent or that Wells

Fargo does not maintain a registered agent to receive service in Texas. See id. Nonetheless,

Plaintiff purported to serve the Petition on Wells Fargo through the Texas Secretary of State.

See id. at ¶ 3. Plaintiff also requested that the Secretary of State forward a copy of the citation

and Petition to Wells Fargo at the following address: Wells Fargo Bank, N.A., Trustee, 420

Montgomery Street, San Francisco, California 94104. Id. at ¶ 3.

In November 2014, the secretary of state forwarded copies of the citation and Petition to

Wells Fargo at the address above, despite the fact that Wells Fargo maintains a registered agent

on file with the secretary of state at a different address. Ex. A-2, Ex. A-4. Return receipts for

Wells Fargo were received by the secretary of state and filed with the Court on January 2015.

(See P00007 Certificate of Service from Secretary of State, which is part of the Court’s file and

attached hereto and incorporated herein as Exhibit B.) Plaintiff’s process server also filed a

return affidavit. (See Return Affidavit, which is part of the Court’s file and attached hereto and

the Declaration of John W. Ellis, which is attached hereto and incorporated herein as Exhibit A, Wells Fargo
submits copies of printouts from the Texas Secretary of State’s public website that show Wells Fargo’s registered
agent and the continuous history of maintaining an agent. The Court may independently verify the authenticity of
the printouts and facts therein by visiting the Secretary of State’s website, called SOS Direct
https://direct.sos.state.tx.us/acct/acct-login.asp, and searching by either entity name “Wells Fargo Bank, National
Association” or entity/filing number “8832.”

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 3 OF 20
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incorporated herein as Exhibit F.) On January 21, 2015, the Court entered the Default

Judgment. (See O00001 Default Judgment, which is part of the Court’s file and attached hereto

and incorporated herein as Exhibit C.)

III. ARGUMENTS AND AUTHORITIES

This Court should vacate the default judgment. Wells Fargo was not served in strict

compliance with Texas service of process rules. As such, Wells Fargo was not served at all.

Because Wells Fargo has not been served, the default judgment entered against it is void and this

Court should vacate it. Additionally, the default judgment should be vacated because the

allegations in Plaintiff’s Petition do not support a claim upon which relief may be granted.

A. This Court Should Vacate the Default Judgment and Grant Wells Fargo’s Motion
for New Trial.

A defendant can demonstrate entitlement to a new trial after a no-answer default in one of

two ways. MobileVision Imaging Servs., LLC v. LifeCare Hospitals of N. Tex., L.P., 260 S.W.3d

561, 564 (Tex. App.—Dallas 2008, no pet.). If defendant was served, it must prove the elements

set forth in Craddock v. Sunshine Bus Lines, Inc., 134 Tex. 388, 133 S.W.2d 124 (1939). Id.

However, if defendant was never served, it is generally granted a new trial without any further

showing. Id.; see also Fid. & Guar. Ins. Co. v. Drewery Constr. Co., Inc., 186 S.W.3d 571, 574

(Tex. 2006) (per curiam). Moreover, “[r]eceiving suit papers or actual notice through a

procedure not authorized for service is treated the same as never receiving them.” Fid. & Guar.

Ins., 186 S.W.3d at 574 n.1; see also Wilson v. Dunn, 800 S.W.2d 833, 836 (Tex. 1990) (“Actual

notice to a defendant, without proper service, is not sufficient to convey upon the court

jurisdiction to render default judgment against him.”); Marrot Commc’ns, Inc. v. Town &

Country P'ship, 227 S.W.3d 372, 376–79 (Tex. App.—Houston [1st Dist.] 2007, pet. denied)

(reversing default judgment without reaching Craddock elements after concluding that service

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 4 OF 20
AUS:0103793/00000:571102v3
was defective); Medtek Lighting Corp. v. Jackson, No. 05–04–00335–CV, 2005 WL 2002159, at

*2 (Tex. App.—Dallas Aug. 22, 2005, pet. denied) (mem. op.) (“A default judgment entered

following substituted service [on the secretary of state] is improper against a defendant who has

not been served in strict compliance with the rules relating to service of citation, even if the

defendant had actual notice of the lawsuit.”).

Additionally, “[t]he plaintiff has the burden of affirmatively showing strict compliance

with the [long-arm] statute.” Boreham v. Hartsell, 826 S.W.2d 193, 195 (Tex. App.—Dallas

1992, no writ). When plaintiff relies on service through the secretary of state, the record must

establish that (1) defendant was permitted to be served through the secretary of state, and

(2) defendant was served in the manner mandated by the statute allowing service through the

secretary of state. Allodial Ltd. P'ship v. Susan Barilich, P.C., 184 S.W.3d 405, 408 (Tex.

App.—Dallas 2006, no pet.). “Virtually any deviation from the statutory requisites for service of

process will destroy a default judgment.” Carmona v. Bunzl Distrib., 76 S.W.3d 566, 568-69

(Tex. App.—Corpus Christi 2002, no pet.).

Here, Plaintiff purported to serve Wells Fargo, a financial institution, through the

secretary of state. Because Wells Fargo was not amenable to service through the secretary of

state, such purported service did not constitute service and Wells Fargo was never served. Thus,

the Court should vacate the default judgment and grant Wells Fargo’s timely Motion. See TEX.

R. CIV. P. 329b(a).

B. Wells Fargo Was Not Served.

1. Plaintiff Failed to Serve Wells Fargo Through its Registered Agent.

Wells Fargo is a financial institution on which citation can be served by serving its

registered agent. TEX. CIV. PRAC. & REM. CODE § 17.028(a) & (b)(1); TEX. FIN. CODE

§ 201.101. Out-of-state financial institutions—like Wells Fargo—are required to register with

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 5 OF 20
AUS:0103793/00000:571102v3
the secretary of state in accordance with laws applicable to foreign corporations. TEX. FIN. CODE

§ 201.102; see also Ex. A-1 (noting headquarters in Sioux Falls, South Dakota); Wells Fargo

Bank, N.A. v. Anderson, 2011 WL 1135121 at * 3 (N.D. Tex. Mar. 28, 2011) (holding that Wells

Fargo is a citizen of South Dakota for diversity purposes since its main offices are located there,

as designated in the articles of association); Salomon v. Wells Fargo Bank, N.A., 2010 WL

2545593 at * 1 (W.D. Tex. June 21, 2010) (same). Those laws require foreign corporations, and

therefore out-of-state financial institutions, to designate an agent for service of process when

registering with the secretary of state. See TEX. BUS. ORG. CODE §§ 5.201, 5.206, 9.001(a)(1),

9.004(b)(9). If a nonresident defendant has designated an agent for service in Texas, a plaintiff

cannot use the general long-arm statute to serve the nonresident. See McKanna v. Edgar, 388

S.W.2d 927, 929-30 (Tex. 1965); Bank of New York v. Chesapeake 34771 Land Trust, ___

S.W.3d ___; No. 08-13-00252-CV, 2015 WL 228159, at *3 (Tex. App.—El Paso Jan. 16, 2015)

(“Service of process on the Bank was ineffective because it was not effectuated pursuant to

Section 17.028. A party suing a financial institution in Texas must serve process on the

institution in accordance with Section 17.028; otherwise, service is ineffective.”).

Throughout the duration of this lawsuit, Wells Fargo has continuously designated and

maintained the following registered agent with the Texas Secretary of State: Corporation Service

Company, 211 East 7th Street, Suite 620, Austin, Texas 78701-3218. See Ex. A-2, A-3, A-4.

Therefore, to effect proper and actual service of process, Plaintiff was required to serve Wells

Fargo’s registered agent, and only if Wells Fargo did not have a registered agent, Plaintiff could

have then served the “president or a branch manager at any office . . . .” of Wells Fargo. TEX.

CIV. PRAC. & REM. CODE § 17.028(a) & (b)(1)-(b)(2). Because Wells Fargo had a registered

agent and Plaintiff did not attempt to serve Wells Fargo’s registered agent, no valid service of

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 6 OF 20
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process occurred under Texas law. Id. Moreover, even if Wells Fargo did not have a registered

agent and Plaintiff could serve the president or branch manager of Wells Fargo, that is not the

case here because Plaintiff never attempted service in that manner either. See Ex. A-5

(indicating that Wells Fargo has more than 600 office locations in Texas).

2. Plaintiff Was Not Permitted to Serve Wells Fargo Through the Texas Secretary
of State, Which Constitutes Substituted Service.

No Texas statute authorized Plaintiff to serve Wells Fargo through the Secretary of State.

Service through the Secretary of State is considered a form of substituted service: “The use of

reasonable diligence in attempting to serve a corporation’s agent is a prerequisite to attempting

service through the secretary of state.” AAA Navi Corp. v. Parrot-Ice Drink Products of Am.,

Ltd., 119 S.W.3d 401, 403-04 (Tex. App.—Tyler 2003, no pet.); see also McKanna, 388 S.W.2d

at 929 (holding that before secretary of state may be substituted for service, plaintiff must

demonstrate defendant has no designated agent upon whom service may be made);

MobileVision, 260 S.W.3d at 564 (reversing default judgment upon finding of invalid service of

process where service through secretary of state and petition did not allege basis for substituted

service); Marrot Commc’ns, Inc., 227 S.W.3d at 377 (service through secretary of state not valid

absent affirmative showing of reasonable diligence in attempting to serve registered agent);

Houston’s Wild West, Inc. v. Salinas, 690 S.W.2d 30, 32 (Tex. App.—Houston [14th Dist.] 1985,

writ ref’d n.r.e.) (reasonable diligence to serve registered agent is “prerequisite” to substituted

service through secretary of state).

The two statutes regarding substituted service on the secretary of state are inapplicable

here. First, Texas Business Organizations Code Section 5.251 provides:

The secretary of state is an agent of an entity for purposes of
service of process, notice, or demand on the entity if:
(1) the entity is a filing entity or a foreign filing entity and:

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 7 OF 20
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 (A) the entity fails to appoint or does not maintain a
registered agent in this state; or
(B) the registered agent of the entity cannot with
reasonable diligence be found at the registered office
of the entity; or
(2) the entity is a foreign filing entity and:
(A) the entity’s registration to do business under this
code is revoked; or
(B) the entity transacts business in this state without
being registered as required by Chapter 9.

TEX. BUS. ORG. CODE § 5.251. Here, the entire section is inapplicable to Wells Fargo because it

has a registered agent, and Plaintiff did not make any attempt to serve the registered agent, and

because Wells Fargo is qualified and registered to do business in Texas. See Ex. A-2, Ex. A-3,

Ex. A-4.

Second, Texas Civil Practice and Remedies Code Section 17.044 provides:

(a) The secretary of state is an agent for service of process or
complaint on a nonresident who:
(1) is required by statute to designate or maintain a
resident agent or engages in business in this state,
but has not designated or maintained a resident
agent for service of process;
(2) has one or more resident agents for service of
process, but two unsuccessful attempts have been
made on different business days to serve each agent;
or
(3) is not required to designate an agent for service in
this state, but becomes a nonresident after a cause of
action arises in this state but before the cause is
matured by suit in a court of competent jurisdiction.
(b) The secretary of state is an agent for service of process on a
nonresident who engages in business in this state, but does
not maintain a regular place of business in this state or a
designated agent for service of process, in any proceeding
that arises out of the business done in this state and to
which the nonresident is a party.

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 8 OF 20
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TEX. CIV. PRAC. & REM. CODE § 17.044(a), (b). Again, this entire section is inapplicable to

Wells Fargo, which maintains a registered agent as required and which Plaintiff never attempted

to serve. See Ex. A-2, Ex. A-3, Ex. A-4.

Further, Plaintiff’s Petition incorrectly alleges Wells Fargo is a “foreign trustee” and

“may be served through the secretary of state.” Pet. at ¶ 3. As the Eighth Court of Appeals

recently held in a case with similar procedural history, the exception to registration requirements

through the Texas Estates Code provision for designating the secretary of state as an agent for

service of process is inapplicable in this context. Bank of New York v. Chesapeake 34771 Land

Trust, ___ S.W.3d ___, No. 08-13-00252-CV, 2015 WL 228159, at *5 (Tex. App. Jan. 16,

2015); see also TEX. EST. CODE §§ 22.006, 505.002(a)(1), 505.004. As the Bank of New York

court recognized: “[T]he appointment of the Secretary of State as the agent to receive service of

process under Section [505.003 of the Texas Estates Code] is limited to matters related to an

estate in which the foreign bank or trust company is acting as an executor, administrator, trustee,

guardian of the estate, or in any other fiduciary capacity.” Bank of New York, 2015 WL 228159,

at *5. Here, Wells Fargo was not appointed as a fiduciary in the state of Texas. Moreover,

Plaintiff’s Petition fails to allege any underlying facts that would support a finding that Wells

Fargo, in this case, is sued in its capacity as a foreign corporate fiduciary. See id.

Accordingly, putative service on Wells Fargo through the secretary of state is ineffective

under Texas law, and Wells Fargo thereby has not been served. See Uvalde Country Club v.

Martin Linen Supply Co., 690 S.W.2d 884, 885 (Tex. 1985) (failure to show “strict compliance”

with service of process rules “renders the attempted service of process invalid and of no effect”);

MobileVision Imaging Servs., L.L.C. v. LifeCare Hospitals of N. Texas, L.P., 260 S.W.3d 561,

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 9 OF 20
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565 (Tex. App.—Dallas 2008, no pet.) (“The law is clear that reasonable notice or actual notice

of a pending lawsuit cannot substitute for proper service of process.”).

3. Even if Plaintiff Were Permitted to Serve Wells Fargo Through the Texas
Secretary of State, the Address at which Plaintiff Served Wells Fargo Was
Improper and Did Not Effect Service.

Even if service through the secretary of state would have been permissible, Plaintiff

failed to serve Wells Fargo at its designated address for service. In attempting to serve Wells

Fargo through the secretary of state, Plaintiff requested that the secretary of state forward a copy

of the citation and Petition to Wells Fargo at the following address: 420 Montgomery Street, San

Francisco, California 94104. Pet. at ¶ 3. However, this address is not an address designated by

Wells Fargo for the receipt of service. Wells Fargo’s registered agent—and proper address for

service—is Corporation Service Company, 211 E 7th Street, Suite 620, Austin, Texas 78701-

3218. Ex. A-2, Ex. A-3, Ex. A-4. Plaintiff failed to serve Wells Fargo at its agent’s designated

address.

4. The Return of Service Also Does Not Strictly Comply with the Requirement to
Affirmatively Show that Wells Fargo Was Served.

The Court should also grant Wells Fargo’s Motion because the record does not establish

that Plaintiff strictly complied with the service requirements. A default judgment will be

affirmed only if (1) the correct defendant was served; and (2) the petition describes facts such

that the correct defendant knows it is the intended defendant. Fid. & Guar. Ins. Co. v. Drewery

Constr. Co., 188 S.W.3d 672, 677 (Tex. App—Tyler 2005) (emphasis added), rev’d on other

grounds, 186 S.W.3d 571 (Tex. 2006). If not met, the threshold requirement that the return

affirmatively show service on the person sued is case determinative. Indeed, without proper

service on the correct defendant, notice is entirely irrelevant. Notice of a lawsuit—even actual

notice—is not a substitute for proper service of process. Wilson v. Dunn, 800 S.W.2d 833, 836

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 10 OF 20
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(Tex. 1990) (holding that defendant’s knowledge of suit and actual receipt of suit papers was not

sufficient to invoke personal jurisdiction to support a default judgment in absence of properly

issued and served citation).

Strict, not substantial, compliance is the standard. Deustche Bank Nat’l Trust Co. v.

Kingman Holdings, LLC, No. 05-13-00943-CV, 2014 WL 3211887, at *3 (Tex. App.—Dallas

July 8, 2014, no pet.) (mem. op.); Rone Eng’g Serv., Ltd. v. Culberson, 317 S.W.3d 506, 508

(Tex. App.—Dallas 2010, no pet.). Virtually any deviation from the requirements for service of

process will defeat a default judgment See Primate Constr. Inc. v. Silver, 884 S.W.2d 151, 152

(Tex. 1994); TAC Ams., Inc. v. Boothe, 94 S.W.3d 315, 319 (Tex. App.—Austin 2002, no pet.);

Dolly v. Aethos Comm’cns Sys., Inc., 10 S.W.3d 384, 388 (Tex. App.—Dallas 2000, no pet.);

Nueces County Housing Assistance, Inc. v. M & M Resources Corp., 806 S.W.2d 948, 949 (Tex.

App.—Corpus Christi 1991, writ denied). Strict compliance is not established if the record does

not affirmatively establish that the person named in the return of service is the same person sued.

E.g., Myan Mgmt., 292 S.W.3d at 753; Lytle, 261 S.W.3d at 840.

Here, Plaintiff’s default judgment cannot stand because the return of service does not

affirmatively show that the person served through and by the Secretary of State is the person

purported to be served: Wells Fargo Bank, N.A., as Trustee for Securitized Asset Backed

Receivables L.L.C. 2005-FR4 Mortgage Pass-Through Certificates 2005-FR4. Compare Ex. E

(citation requesting service to “Wells Fargo Bank, N.A., as Trustee for Securitized Asset Backed

Receivables L.L.C. 2005-FR4 Mortgage Pass-Through Certificates 2005-FR4”), with Ex. F

(return claiming service through the secretary of state was delivered to “Wells Fargo NA as Trust

For Securitized Asset Backed Receivables LLC”); Myan Mgmt. Grp., L.L.C. v. Adam Sparks

Family Revocable Trust, 292 S.W.3d 750, 753 (Tex. App.—Dallas 2009, no pet.); Lytle v.

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 11 OF 20
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Cunningham, 261 S.W.3d 837, 840 (Tex. App.—Dallas 2008, no pet.); see also Uvalde Country

Club v. Martin Linen Supply Co., 690 S.W.2d 884, 885 (Tex. 1985) (setting aside a no-answer

default judgment where the registered agent for service was “Henry Bunting, Jr.” but the return

identifies person served as “Henry Bunting”); Lytle v. Cunningham, 261 S.W.3d 837, 840 (Tex.

App.—Dallas 2008, no pet.) (setting aside no-answer default where registered agent’s name

stated on citation “Chris Lytle” but the return affidavit stated “Christopher Lytle” was person

served). In the return affidavit, the process server attests that the citation and petition were

forwarded to “Wells Fargo NA as Trust For Securitized Asset Backed Receivables LLC.” See

Ex. F. The return of service has several blatant defects. Notably, it fails to state the correct

name for Wells Fargo Bank, N.A. Also, it identifies “Wells Fargo NA” not as trustee, but as the

“Trust.” Finally, the purported “Wells Fargo NA as Trust” fails to include the complete name of

the trust identified in Plaintiff’s Petition and the Citation. Compare Pet. at ¶ 3, and Ex. E, with

Ex. F. These defects in service of process, alone, warrant granting Wells Fargo’s Motion and

vacating the Default Judgment.

5. Even if Service Were Permitted Through the Secretary of State and the Address
Through Which Plaintiff Served Wells Fargo Were Proper, Plaintiff’s Failure to
Allege Wells Fargo Did Not Maintain a Place of Business in Texas Is Fatal to its
Default Judgment.

When a party purportedly serves a defendant based on substituted service, a default

judgment cannot stand when a petition fails to allege that a defendant did not maintain a place of

business in Texas. Onnela v. Medina, 785 S.W.2d 423, 425 (Tex. App.—Corpus Christi 1990,

no writ). For example, in MobileVision, plaintiff alleged that a nonresident limited liability

company (LLC) had a principal place of business in Michigan and could be served with process

by serving the Secretary of State. 260 S.W.3d at 564. However, the Court held that plaintiff did

not strictly comply with long-arm statute and the allegations were insufficient to allow service on

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 12 OF 20
AUS:0103793/00000:571102v3
the Secretary of State, even if the LLC had reasonable and actual notice before default judgment,

because plaintiff failed to allege, among other things, that the LLC did not maintain a regular

place of business in state.

In this case, like in MobileVision, nowhere in Plaintiff’s Petition does it allege that Wells

Fargo does not maintain a place of business in Texas. 260 S.W.3d at 564; see also, e.g., Medtek

Lighting Corp., 2005 WL 2002159, at *2 (Tex. App.—Dallas Aug. 22, 2005, pet. denied) (mem.

op.) (holding petition failed to satisfy section 17.044); Redwood Group, L.L.C. v. Louiseau, 113

S.W.3d 866, 870 (Tex.App.—Austin 2003, no pet.) (holding service was improper because

plaintiff failed to allege that defendant did not appoint or maintain a registered agent in Texas).

Because Plaintiff failed to allege that Wells Fargo did not maintain a place of business in Texas,

the default judgment it obtained should be reversed.

C. Because Wells Fargo Was Not Served, the Default Judgment Is Void and Should Be
Vacated.

“Unless the record affirmatively shows, at the time the default judgment is entered, either

an appearance by the defendant, proper service of citation on the defendant, or a written

memorandum of waiver, the trial court does not have in personam jurisdiction to enter a default

judgment against the defendant.” Autozone, Inc. v. Duenes, 108 S.W.3d 917, 920 (Tex. App.—

Corpus Christi 2003, no pet.). The record shows that no appearance was made and no written

memorandum of waiver was filed. See Ex. D (copy of the Court’s online docket summary for

this cause number). The record also shows that no proper service was effected on Wells Fargo’s

registered agent. See Ex. A-2, Ex. A-3, Ex. A-4, Ex. B, Ex. E (copy of citation), Ex. F (copy of

return). As discussed above, citation was not issued to or served on an agent authorized to

accept service for Wells Fargo. See supra Part III.A-B. Thus, Plaintiff did not properly serve

Wells Fargo.

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 13 OF 20
AUS:0103793/00000:571102v3
 A default judgment cannot stand unless the court, at the time of the judgment, had

jurisdiction of the subject matter and parties to the suit. Finlay v. Jones, 435 S.W.2d 136, 138

(Tex. 1968) (before a trial court may properly render a default judgment, the record must reflect

the trial court has jurisdiction over the subject matter and the parties and the case is ripe for

judgment); see also TEX. R. CIV. P. 124 (requiring service, acceptance, waiver of process or

appearance of defendant for judgment to be rendered). A defect in service of process invalidates

personal jurisdiction over the defendant. See Livanos v. Livanos, 333 S.W.3d 868, 875 (Tex.

App.—Houston 2010, no pet.) (reversing default judgment due to improper service of process);

Affiliated Computer Servs., Inc. v. Weeks, No. 05–06–00996–CV, 2007 WL 2325820, at *2 (Tex.

App.—Dallas Aug. 10, 2007, pet. denied) (mem. op.) (holding that trial court’s jurisdiction was

not validly invoked where the petition was sent to a registered agent, which was listed with the

Secretary of State but marked “terminated” where the secretary of state’s records also contained

listing for company with “active” status); AAA Navi Corp., 119 S.W.3d at 402 (same); Ward v.

Hooper, No. 05-00-01903-CV, 2002 WL 15881, at *3 (Tex. App.—Dallas Jan. 8, 2002, no pet.)

(reversing default judgment because of failure to show strict compliance with service of process

where record clearly indicated that notice was sent to an incorrect address).

D. The Court Should Also Set Aside the Default Judgment Because Plaintiff Fails to
State a Claim Supporting the Requested Relief.

Independently of the service defects, the Court should grant Wells Fargo’s Motion and

set aside the Default Judgment because Plaintiff fails to state a claim upon which relief may be

granted. Plaintiff’s Petition attempted to pursue a claim for “a declaratory judgment declaring

Plaintiff as the sole owner of the Property in fee simple, without any liens or other

encumbrances, and declaring all deeds of trusts relating to the Property, or subsequent

assignments, as void and extinguished.” Pet. ¶ 20. Plaintiff also sought a duplicative judgment

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 14 OF 20
AUS:0103793/00000:571102v3
“quieting title of the Property in favor of the Plaintiff as the sole owners of the Property in fee

simple, without any liens or other encumbrances, and declaring all deeds of trust relating to the

Property, or subsequent assignments, as void and extinguished.” Pet. ¶ 21.

However, the factual allegations on which Plaintiff requested the above relief do not

support the requested relief. Plaintiff acknowledges purchasing its interest in the underlying

Property through a homeowners association’s assessment lien foreclosure sale. See Pet. ¶ 13-14.

Plaintiff also claims that, at the time it acquired its interest in the Property, Wells Fargo was the

assignee of record to a certain deed of trust recorded in Volume 11275, Page 1338 of the Bexar

County deed records. Pet. ¶ 9-11; See Ex. G (the “Deed of Trust”); Ex. H (the “Assignment”)3

To support Plaintiff’s claims, the Petition includes the following pertinent allegations:

15. After purchasing the Property, Plaintiff attempted to contract
Defendants to ascertain what interest, if any, they asserted in the Property or
related liens. Plaintiff made such inquiries in order to determine its own rights in
the Property, and to preserve such interests and rights, including the right to any
equitable redemption in the event any Defendant claimed as superior lien to that
of the Association’s.
16. Plaintiff avers the purchase money deed of trust in favor of Fremont
related to the Property was forfeited at the time of dissolution and forfeiture of
right to do business in the state of Texas and/or by some other operation of law,
waiver, defect in assignments, and/or multiple mortgages.
17. Further, upon information and belief, Wells Fargo has not collected
any payments from Allen or other party towards any financial obligation giving
rise to its deed of trust, and therefore, as a matter of law, has waived its interests
and/or rights in the Property under the doctrine of waiver, estoppel, laches, and/or
other law.

Pet. at ¶¶ 15-17.

The factual allegations on which Plaintiff expressly based its conclusion do not support

the conclusion. “Waiver is the intentional relinquishment of a right actually known, or

3
Attached hereto as Exhibit G and Exhibit H is a true and correct copy of the Deed of Trust and the
Assignment, respectively, which are referenced in Plaintiff’s Petition and recorded in the official real property
records of Bexar County, Texas. Wells Fargo requests that the Court take judicial notice of the documents attached
hereto and incorporated herein as Exhibit G and Exhibit H, which are available for public view and access at
https://govapps1.propertyinfo.com/wam3/loginForm.asp?iWAMid=3.

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 15 OF 20
AUS:0103793/00000:571102v3
intentional conduct inconsistent with claiming that right.” Ulico Cas. Co. v. Allied Pilots Ass’n,

262 S.W.3d 773, 778 (Tex. 2008). “To prove waiver, a party must show ‘(1) an existing right,

benefit, or advantage held by a party; (2) the party’s actual knowledge of its existence; and (3)

the party’s actual intent to relinquish the right or intentional conduct inconsistent with the

right.’” Wiley v. U.S. Bank, N.A., No. 3:11-CV-1241-B, 2012 WL 1945614, at *6 (N.D. Tex.

May 30, 2012) (quoting Ulico Cas. Co., 262 S.W.3d at 778).

As an initial matter, Plaintiff’s attempt to use the theory of waiver to support any of its

claims in this lawsuit fails because it is well settled that “[w]aiver is an affirmative defense, not a

cause of action, and does not operate to create liability” with respect to affirmative claims. See

Franklin v. BAC Home Loans Servicing, LP, No. 3:10-CV-1174-M, 2012 WL 2679496, *12

(N.D. Tex. June 6, 2012); Thomas v. Compass Bank, No. 01-01-00467-CV, 2002 WL 1340333,

at *4 (Tex. App.—Houston [1st Dist.] June 20, 2002, no pet.); Kern v. GE Capital Info. Tech.

Solutions, No. 3:01-CV-2109-P, 2003 WL 22433817, at *8 (N.D. Tex. Feb. 19, 2003); Hruska v.

First State Bank of Deanville, 747 S.W.2d 783, 785 (Tex. 1988). Indeed, the theory of waiver is

“defensive in nature” and does not create independent causes of action or “operate to create

liability where it does not otherwise exist.” Hruska, 747 S.W.2d at 785. Plaintiff’s waiver

argument fails as a matter of law for this reason alone.

Moreover, the very Deed of Trust that Plaintiff references in its Petition directly refutes

Plaintiff’s waiver theory. The Deed of Trust provides that:

12. Borrower Not Released; Forbearance By Lender Not a Waiver.
Extension of the time for payment or modification of amortization of the sums
secured by this Security Instrument granted by Lender to Borrower or any
Successor in Interest of Borrower shall not operate to release the liability of
Borrower or any Successors in Interest of Borrower. Lender shall not be required
to commence proceedings against any Successor in Interest of Borrower or to
refuse to extend time for payment or otherwise modify amortization of the sums
secured by this Security Instrument by reason of any demand made by the original

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 16 OF 20
AUS:0103793/00000:571102v3
 Borrower or any Successors in Interest of Borrower. Any forbearance by Lender
in exercising any right or remedy including, without limitation, Lender's
acceptance of payments from third persons, entities or Successors in Interest of
Borrower or in amounts less than the amount then due, shall not be a waiver of or
preclude the exercise of any right or remedy.

Ex. G at p. 10, ¶ 12. Where a deed of trust, like the Deed of Trust in this case, includes a

nonwaiver provision expressly disclaiming any intent to waive the right to strictly enforce the

terms of the deed of trust, Texas courts have rejected similar waiver arguments. See, e.g.,

Stephens v. LPP Mortg., Ltd., 316 S.W.3d 742, 748-49 (Tex. App.—Austin 2010, pet. denied);

Bluebonnet Sav. Bank, F.S.B. v. Grayridge Apartment Homes, Inc., 907 S.W.2d 904, 911–12

(Tex. App.—Houston [1st Dist.] 1995, writ denied); Veltmann v. Hoffman, 621 S.W.2d 441, 442

(Tex. App.—San Antonio 1981, no writ) (“We know of no case holding that a lienholder who, at

the request of the debtor, postpones a nonjudicial foreclosure sale in order to afford the debtor an

opportunity to avoid loss of his land is to be penalized by being deprived of the right to

foreclose.”). Therefore, by the terms of the Deed of Trust, the factual allegations supporting

Plaintiff’s theory of waiver, even if true, do not support a conclusion that Wells Fargo’s rights to

enforce the terms of the Deed of Trust are waived by the borrower’s alleged nonpayment.4

Marrot Commc’ns, Inc. v. Town & Country P’ship, 227 S.W.3d 372, 378 (Tex. App.—Houston

[1st Dist.] 2007, pet. denied) (noting the court may consider affidavit, depositions, testimony,

and other exhibits in a motion for new trial).

Texas law requires reversal of a default judgment when the facts stated in the petition do

not amount to a claim on which relief may be granted. Calderoni v. Vasquez, No. 03-11-00537-

CV, 2012 WL 2509802, at *5 (Tex. App.—Austin June 26, 2012, no pet.) (mem. op.); Pinter v.

4
Indeed, the allegation that a mortgagee’s failure to collect payments from the mortgagor would render the
lien void and waive the mortgagee’s rights to enforce the lien is preposterous. If Plaintiff’s allegations were true,
then any default for nonpayment by a mortgagor would invalidate the lender’s lien, and render meaningless, inter
alia, entire provisions of the Texas Property Code. See, e.g., TEX. PROP. CODE § 51.002 (providing for foreclosure
requirements of a lien after a mortgagor’s default).

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 17 OF 20
AUS:0103793/00000:571102v3
Asafi Law Firm, No. 01-12-0048-CV, 2012 WL 5458426, at *3 (Tex. App.—Houston [1st Dist.]

Nov. 8, 2012, no pet.) (mem. op.); Hillson Steel Prods., Inc. v. Wirth Ltd., 538 S.W.2d 162, 166

(Tex. Civ. App.—Houston [1st Dist.] 1976, no writ). The factual allegations on which Plaintiff

expressly based its declaratory judgment and quiet title claims, even if true, do not support a

conclusion that Wells Fargo—the statutory mortgagee—has waived its rights under the Deed of

Trust. For this additional reason, the default judgment should be reversed.

E. Wells Fargo Requests a Hearing.

Wells Fargo is entitled to an evidentiary hearing on this Motion for New Trial. Wells

Fargo hereby requests the Court set the Motion for hearing.

IV. CONCLUSION AND PRAYER

Because Plaintiff failed to properly serve Wells Fargo, the Court did not have personal

jurisdiction over Wells Fargo, the Default Judgment is void, and it should be set aside. The

Court should also set aside the Default Judgment because Plaintiff failed to plead a claim upon

which relief may be granted. Accordingly, Wells Fargo respectfully pray the Court hold an

evidentiary hearing on its Motion, grant its Motion for New Trial, vacate the Default Judgment

in this cause dated January 21, 2015, and that the Court grant a new trial, and for all other and

further relief to which it may be entitled.

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 18 OF 20
AUS:0103793/00000:571102v3
 Respectfully submitted,

LOCKE LORD LLP

By:
B. David L. Foster
State Bar No. 24031555
John W. Ellis
State Bar No. 24078473
600 Congress Ave., Suite 2200
Austin, Texas 78701
(512) 305-4700
(512) 305-4800 (Facsimile)
dfoster@lockelord.com
jellis@lockelord.com

Thomas G. Yoxall
State Bar No. 00785304
Kirsten M. Castañeda
State Bar No. 00792401
2200 Ross Avenue, Suite 2200
Dallas, Texas 75201
(214) 740-8000
(214) 740-8800 (Facsimile)
tyoxall@lockelord.com
kcastaneda@lockelord.com
ATTORNEYS FOR DEFENDANT
WELLS FARGO BANK, N.A., AS TRUSTEE
FOR SECURITIZED ASSET BACKED
RECEIVABLES L.L.C. 2005-FR4

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 19 OF 20
AUS:0103793/00000:571102v3
 CERTIFICATE OF SERVICE

I hereby certify that a true and correct copy of the foregoing was served on this 20th day
of February, 2015, via electronic service to all counsel of record registered with the Court’s
electronic filing manager and as indicated below to the following:

VIA EMAIL(justin@thenicholslawfirm.com)
& Facsimile (800) 761-5782
Justin P. Nichols
Justin D. Niedens
The Nichols Law Firm, P.L.L.C.
106 S. Saint Mary’s St., Suite 255
San Antonio, Texas 78205
Attorneys for Plaintiff

John W. Ellis

DEFENDANT WELLS FARGO BANK, N.A.’S MOTION FOR NEW TRIAL PAGE 20 OF 20
AUS:0103793/00000:571102v3
Exhibit A
Exhibit A-1
FDIC: BankFind Details Page 1 of 1

Federal Deposit
Insurance Corporation

Wells Fargo Bank, National Association (FDIC #:
3511)
Status: Active • Insured Since January 1, 1934
Wells Fargo Bank, National Association is an active bank
Data as of: February 11, 2015

Overview Locations History Identifications Financials

Wells Fargo &
Company Wells Fargo Bank, National Association has 6359 domestic
Bank Holding locations in 42 states, 0 locations in territories, and 37 foreign
Company locations
Wells Fargo Bank,
National Association Established: January 1, 1870
Banking Institution FDIC Certificate #: 3511
Insured: January 1, 1934
6359 Locations
Branches (Offices) Bank Charter Class: National Bank
Headquarters: 101 N. Phillips Avenue
Sioux Falls, SD 57104
Minnehaha County
Regulated By: Office of the Comptroller
of the Currency
Consumer
http://www.helpwithmybank.gov
Assistance:
Corporate Website: http://www.wellsfargo.com
Contact the FDIC about Wells Fargo Bank, National Association

http://research.fdic.gov/bankfind/detail.html?bank=3511&name=Wells Fargo Bank, Natio... 2/19/2015
Exhibit A-2
BUSINESS ORGANIZATIONS INQUIRY - VIEW ENTITY Page 1 of 1

DEPUTY SECRETARY of STATE
COBY SHORTER, III
UCC | Business Organizations | Trademarks | Notary | Account | Help/Fees | Briefcase |
Logout
BUSINESS ORGANIZATIONS INQUIRY - VIEW ENTITY
Filing Number: 8832 Entity Type: Foreign Financial Institution
Original Date of Filing: June 21, 2001 Entity Status: In existence
Formation Date: N/A Non-Profit N/A
Type:
Tax ID: FEIN: 941347393
Name: WELLS FARGO BANK, NATIONAL ASSOCIATION
Address: 420 MONTGOMERY ST.
San Francisco, CA 94163 [COUNTRY NOT PROVIDED]
Fictitious Name: N/A
Jurisdiction: ,
Foreign Formation Date: N/A

REGISTERED ASSOCIATED
AGENT FILING HISTORY NAMES MANAGEMENT ASSUMED NAMES ENTITIES

Name Address Inactive Date
CORPORATION SERVICE COMPANY 211 E. 7th Street, Suite 620
Austin, TX 78701-3218 USA

Order Return to Search

Instructions:
To place an order for additional information about a filing press the 'Order' button.

https://direct.sos.state.tx.us/corp_inquiry/corp_inquiry-entity.asp?:Sfiling_number=8832&:... 2/19/2015
Exhibit A-3
Exhibit A-4
Exhibit A-5
FDIC: BankFind Details Page 1 of 10

Federal Deposit
Insurance Corporation

Wells Fargo Bank, National Association (FDIC #:
3511)
Status: Active • Insured Since January 1, 1934
Wells Fargo Bank, National Association is an active bank
Data as of: February 11, 2015

Overview Locations History Identifications Financials

All Locations | Matching Search Results | View By State Current Filter: "TX"
Number of Offices: 6359 Domestic, 0 Territories, 37 Foreign

Showing 1 to 100 of 687 entries

Service
UNINUM Number Name Address County City State Zip
Type

Full
Service
Madisonville 207 East
824 3924 Madison Madisonville TX 77864 Brick and
Branch Main Street
Mortar
Office
Full
Laredo 1100 Service
984 3784 Downtown Matamoros Webb Laredo TX 78040 Brick and
Branch Street Mortar
Office
Full
301 North
Service
Gonzales Saint
989 3824 Gonzales Gonzales TX 78629 Brick and
Branch Joseph
Mortar
Street
Office
Full
Service
Bastrop 808 Main
1129 3825 Bastrop Bastrop TX 78602 Brick and
Branch Street
Mortar
Office
Full
Service
Bay City 1801 7th
1971 3874 Matagorda Bay City TX 77414 Brick and
Branch Street
Mortar
Office
Full
Brownsville 835 East Service
1991 3908 Downtown Levee Cameron Brownsville TX 78520 Brick and
Branch Street Mortar
Office
Full
Hillsboro Service
225 East
1997 3804 Downtown Hill Hillsboro TX 76645 Brick and
Elm Street
Branch Mortar
Office

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FDIC: BankFind Details Page 2 of 10

Service
UNINUM Number Name Address County City State Zip
Type
2034 4147 Decatur 306 W Main Wise Decatur TX 76234 Full
Downtown Street Service
Branch Brick and
Mortar
Office
Full
El Paso 221 North Service
2049 4086 Downtown Kansas El Paso El Paso TX 79901 Brick and
Branch Street Mortar
Office
Full
Service
Floresville 1112 B
2056 3933 Wilson Floresville TX 78114 Brick and
Main Branch Street
Mortar
Office
Full
Service
Franklin 208 East Us
2063 3906 Robertson Franklin TX 77856 Brick and
Branch Highway 79
Mortar
Office
Full
Grapevine Service
1400 South
2086 4169 Main Street Tarrant Grapevine TX 76051 Brick and
Main Street
Branch Mortar
Office
Full
Service
Hallettsville 110 South
2090 3834 Lavaca Hallettsville TX 77964 Brick and
Branch Main Street
Mortar
Office
Full
210 North Service
Henrietta
2099 3778 Bridge Clay Henrietta TX 76365 Brick and
Branch
Street Mortar
Office
Full
Terrell North 112 North Service
2119 4166 Catherine Catherine Kaufman Terrell TX 75160 Brick and
Branch Street Mortar
Office
Full
Service
Mesquite 120 West
2162 3979 Dallas Mesquite TX 75149 Brick and
Branch Main Street
Mortar
Office
Full
Service
2301 Kell Wichita
2183 3773 Kell Branch Wichita TX 76308 Brick and
Boulevard Falls
Mortar
Office
Full
215 Service
Nordheim
2185 3835 Broadway De Witt Nordheim TX 78141 Brick and
Branch
Street Mortar
Office
2207 3842 Pleasanton 425 West Atascosa Pleasanton TX 78064 Full
Branch Oaklawn Service
Road Brick and

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FDIC: BankFind Details Page 3 of 10

Service
UNINUM Number Name Address County City State Zip
Type
Mortar
Office
Full
Service
216 West
2211 3767 Post Branch Garza Post TX 79356 Brick and
Main Street
Mortar
Office
Full
109 Service
2212 3934 Poth Branch Dillworth Wilson Poth TX 78147 Brick and
Plaza Mortar
Office
Full
101 Service
Rhome
2219 3878 Highway Wise Rhome TX 76078 Brick and
Branch
287 North Mortar
Office
Full
700 Service
Richmond
2221 3852 Jackson Fort Bend Richmond TX 77469 Brick and
Branch
Street Mortar
Office
Full
502 North Service
Rockport
2223 3849 Austin Aransas Rockport TX 78382 Brick and
Branch
Street Mortar
Office
Full
Service
Rosenberg 2910
3730 4182 Fort Bend Rosenberg TX 77471 Brick and
Branch Avenue H
Mortar
Office
Full
36 West Service
San Angelo
3736 3755 Beauregard Tom Green San Angelo TX 76903 Brick and
Main Branch
Avenue Mortar
Office
Full
40 Service
Northstar
3740 3781 Northeast Bexar San Antonio TX 78216 Brick and
Branch
Loop 410 Mortar
Office
Full
San Marcos 123 North Service
3746 3839 Downtown Edward Hays San Marcos TX 78666 Brick and
Branch Gary Street Mortar
Office
Full
Service
Schulenburg 707 Lyons
3751 3838 Fayette Schulenburg TX 78956 Brick and
Branch Avenue
Mortar
Office
Full
101 North Service
3782 3769 Tulia Branch Maxwell Swisher Tulia TX 79088 Brick and
Avenue Mortar
Office
3791 3801 Mclennan Waco TX 76701

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FDIC: BankFind Details Page 4 of 10

Service
UNINUM Number Name Address County City State Zip
Type
Waco Main 300 Franklin Full
Branch Avenue Service
Brick and
Mortar
Office
Full
301 Service
Kerrville
5755 3798 Junction Kerr Kerrville TX 78028 Brick and
Main Branch
Highway Mortar
Office
Full
307 North Service
Cuero
5763 3831 Esplanade De Witt Cuero TX 77954 Brick and
Branch
Street Mortar
Office
Full
Service
Alice Main 1128 East
6615 3792 Jim Wells Alice TX 78332 Brick and
Branch Main Street
Mortar
Office
Full
501 West Service
Willis
6618 4036 Montgomery Montgomery Willis TX 77378 Brick and
Branch
Street Mortar
Office
Full
Service
230 Green
6626 3829 Taft Branch San Patricio Taft TX 78390 Brick and
Avenue
Mortar
Office
Full
Denton 101 South Service
6627 4153 Downtown Locust Denton Denton TX 76201 Brick and
Branch Street Mortar
Office
Full
119 West Service
La Vernia
6628 3938 Chihuahua Wilson La Vernia TX 78121 Brick and
Branch
Street Mortar
Office
Full
305 East Service
Navasota
6868 3927 Washington Grimes Navasota TX 77868 Brick and
Branch
Avenue Mortar
Office
Full
Service
5401 S Fm
7115 4023 Kyle Branch Hays Kyle TX 78640 Brick and
1626
Mortar
Office
Full
1821 South
Service
Ed Carey 77
7126 3892 Cameron Harlingen TX 78550 Brick and
Branch Sunshine
Mortar
Strip
Office
7127 3929 Rio Vista 501 North Johnson Rio Vista TX 76093 Full
Branch Highway Service
174 Brick and

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FDIC: BankFind Details Page 5 of 10

Service
UNINUM Number Name Address County City State Zip
Type
Mortar
Office
Full
Service
Waller 2313 Main
7131 3922 Waller Waller TX 77484 Brick and
Branch Street
Mortar
Office
Full
Service
Bandera 900 Main
7133 3795 Bandera Bandera TX 78003 Brick and
Branch Street
Mortar
Office
Full
Service
Angleton 800 North
7377 3830 Brazoria Angleton TX 77515 Brick and
Branch Loop 274
Mortar
Office
Full
101 Service
Hubbard
7381 3803 Northwest Hill Hubbard TX 76648 Brick and
Branch
2nd Street Mortar
Office
Full
200 North Service
Archer City
7383 3777 Center Archer Archer City TX 76351 Brick and
Branch
Street Mortar
Office
Full
Service
Bellville 2 East Main
7384 4178 Austin Bellville TX 77418 Brick and
Branch Street
Mortar
Office
Full
Service
Brenham 2450
7386 4099 Washington Brenham TX 77833 Brick and
Main Branch Becker Dr
Mortar
Office
Full
Service
Centerville 115 East
7611 3919 Leon Centerville TX 75833 Brick and
Branch Saint Marys
Mortar
Office
Full
Service
Poteet 126 South
7827 3843 Atascosa Poteet TX 78065 Brick and
Branch 6th Street
Mortar
Office
Full
203 North Service
Los Fresnos
7957 3895 Arroyo Cameron Los Fresnos TX 78566 Brick and
Branch
Boulevard Mortar
Office
Full
Service
Donna 132 South
8214 3893 Hidalgo Donna TX 78537 Brick and
Branch Main Street
Mortar
Office
8652 3779 Howard Big Spring TX 79720

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Service
UNINUM Number Name Address County City State Zip
Type
Big Spring 400 South Full
Branch Main Street Service
Brick and
Mortar
Office
Full
Service
Canyon 2111 4th
8876 3764 Randall Canyon TX 79015 Brick and
Branch Avenue
Mortar
Office
Full
1024 Texas Service
Robstown
9005 3791 Yes Nueces Robstown TX 78380 Brick and
Branch
Boulevard Mortar
Office
Full
Thousand 16414 San Service
9083 3752 Oaks Pedro Bexar San Antonio TX 78232 Brick and
Branch Avenue Mortar
Office
Full
Service
Brookshire 923 Cooper
9693 3921 Waller Brookshire TX 77423 Brick and
Branch Street
Mortar
Office
Full
Service
Seguin 101 East
9702 3828 Guadalupe Seguin TX 78155 Brick and
Branch Nolte Street
Mortar
Office
Full
201 West Service
Boyd
9799 3877 Rock Island Wise Boyd TX 76023 Brick and
Branch
Ave Mortar
Office
Full
3570 Service
Sw Military
9813 4100 Military Bexar San Antonio TX 78211 Brick and
Branch
Drive, S.W. Mortar
Office
Full
Dallas Service
1445 Ross
10065 3973 Central Dallas Dallas TX 75202 Brick and
Avenue
Branch Mortar
Office
Full
Service
Stockyards 200 Ne 28th
10085 3812 Tarrant Fort Worth TX 76164 Brick and
Branch Street
Mortar
Office
Full
South 1100 East Service
10090 3904 Mcallen Jackson Hidalgo Mcallen TX 78503 Brick and
Branch Avenue Mortar
Office
10432 3918 Katy Main 5622 3rd Harris Katy TX 77493 Full
Branch Street Service
Brick and

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Service
UNINUM Number Name Address County City State Zip
Type
Mortar
Office
Full
3601 Service
Port City
10650 4094 Eastex Harris Houston TX 77026 Brick and
Branch
Freeway Mortar
Office
Full
Fort Worth
900 West Service
Medical
10738 3805 Rosedale Tarrant Fort Worth TX 76104 Brick and
Center
Street Mortar
Branch
Office
Full
109 North Service
Westside
10931 4022 San Saba Bexar San Antonio TX 78207 Brick and
Branch
Street Mortar
Office
Full
Service
Edna 700 North
10934 3822 Jackson Edna TX 77957 Brick and
Branch Wells Street
Mortar
Office
Full
Service
Commercial 3434
10937 4095 Harris Houston TX 77093 Brick and
Branch Tidwell Rd
Mortar
Office
Full
Victoria Service
1201 North
11014 3820 Downtown Victoria Victoria TX 77901 Brick and
Main Street
Branch Mortar
Office
Full
Service
Denver City 221 North
11030 3768 Yoakum Denver City TX 79323 Brick and
Branch Avenue B
Mortar
Office
Full
4900 East Service
Belknap
11161 3815 Belknap Tarrant Haltom City TX 76117 Brick and
Branch
Street Mortar
Office
Full
1500 Service
River Oaks
11207 3949 Waugh Harris Houston TX 77019 Brick and
Branch
Drive Mortar
Office
Full
Austin Ave - 1111 South Service
11385 4185 Georgetown Austin Williamson Georgetown TX 78626 Brick and
Branch Avenue Mortar
Office
Full
527 East Service
Fairfield
11429 3920 Commerce Freestone Fairfield TX 75840 Brick and
Branch
Street Mortar
Office
11523 9159 Hardin Lumberton TX 77657

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Service
UNINUM Number Name Address County City State Zip
Type
Lumberton 435 South Full
Branch Main Service
Brick and
Mortar
Office
Full
Service
Nocona 105 East
11529 3774 Montague Nocona TX 76255 Brick and
Branch Highway 82
Mortar
Office
Full
6100 Service
Kelly Field
11643 3789 Bandera Bexar San Antonio TX 78238 Brick and
Branch
Road Mortar
Office
Full
Service
Deer Park 715 Center
11750 3943 Harris Deer Park TX 77536 Brick and
Branch Street
Mortar
Office
Full
Service
Comfort 520 7th
11795 3797 Kendall Comfort TX 78013 Brick and
Branch Street
Mortar
Office
Full
13201 Service
Fairbanks
12003 3948 Northwest Harris Houston TX 77040 Brick and
Branch
Freeway Mortar
Office
Full
Service
East Berry 1001 East
12138 4012 Tarrant Fort Worth TX 76110 Brick and
Branch Berry Street
Mortar
Office
Full
4200 Service
Pasadena
12322 3941 Spencer Harris Pasadena TX 77504 Brick and
Branch
Highway Mortar
Office
Full
120 South Service
Premont
12380 3794 Agnes Jim Wells Premont TX 78375 Brick and
Branch
Street Mortar
Office
Full
6964 Service
Boulevard Richland
12431 3980 Boulevard Tarrant TX 76180 Brick and
26 Branch Hills
26 Mortar
Office
Full
Bedford 2225 Service
12432 3967 Central Central Tarrant Bedford TX 76021 Brick and
Branch Drive Mortar
Office
12435 3956 Seabrook 1600 Harris Seabrook TX 77586 Full
Branch Highway Service
146 Brick and

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Service
UNINUM Number Name Address County City State Zip
Type
Mortar
Office
Full
6175
Service
Bassett Gateway
12487 4089 El Paso El Paso TX 79925 Brick and
Branch Boulevard
Mortar
West
Office
Full
West 111 West Service
West
12500 3875 Columbia Brazos Brazoria TX 77486 Brick and
Columbia
Branch Avenue Mortar
Office
Full
Corpus 1190 Service
Corpus
12508 3912 Christi Flour Waldron Nueces TX 78418 Brick and
Christi
Bluff Branch Road Mortar
Office
Full
Victoria
1501 East Service
Sam
12700 3846 Mockingbird Victoria Victoria TX 77904 Brick and
Houston
Lane Mortar
Branch
Office
Full
Service
Plainview 205 West
12702 3765 Hale Plainview TX 79072 Brick and
Main Branch 5th Street
Mortar
Office
Full
Bandera & Service
100 St.
12705 9176 St Cloud Bexar San Antonio TX 78228 Brick and
Cloud
Branch Mortar
Office
Full
Service
Kingsville 601 South
12757 3826 Kleberg Kingsville TX 78363 Brick and
Main Branch 14th Street
Mortar
Office
Full
5801 Marvin Service
Oak Cliff
12772 3972 D. Love Dallas Dallas TX 75237 Brick and
Branch
Freeway Mortar
Office
Full
901 Service
Memorial
12835 3954 Gessner Harris Houston TX 77024 Brick and
Branch
Road Mortar
Office
Full
401 Service
Silsbee
13039 9164 Highway 96 Hardin Silsbee TX 77656 Brick and
Branch
South Mortar
Office
Full
1001 Service
La Porte
13154 9185 Highway Harris La Porte TX 77571 Brick and
Branch
146 Mortar
Office
13209 3957 Harris Spring TX 77373

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Service
UNINUM Number Name Address County City State Zip
Type
Spring 1442 Spring Full
Branch Cypress Service
Road Brick and
Mortar
Office

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Exhibit B
Exhibit C
Exhibit D
Full Case Information Page 1 of 3

Bexar County
District Clerk/County Clerk Search

Full Case Information
Case Summary

Case Information for Cause #: 2014CI17188

KINGMAN HOLDINGS LLC vs WELLS FARGO NA ET AL

Cause No. : 2014CI17188
Name :
Business Name : WELLS FARGO BANK NA
Litigant Type : DEFENDANT
Date Filed : 10/30/2014
Docket Type : QUIET TITLE
Case Status : DISPOSED
Court : 073

Information as of: 02/19/2015 07:51:28 PM

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Full Case Information Page 2 of 3

Case History

Currently viewing 1 through 16 of 16 records.
Type/Sequence Date Filed Description

P00001 10/30/2014 PETITION

P00002 11/4/2014 CIVIL CASE INFORMATION SHEET
P00003 11/4/2014 REQUEST FOR SERVICE AND PROCESS
P00004 11/4/2014 SERVICE ASSIGNED TO CLERK 1

S00001 11/5/2014 CITATION
WELLS FARGO BANK NA
ISSUED: 11/5/2014 RECEIVED: 11/13/2014
EXECUTED: 11/14/2014 RETURNED: 11/17/2014
S00002 11/5/2014 CITATION
FREMONT REORGANIZING CORPORATION
ISSUED: 11/5/2014 RECEIVED: 11/13/2014
EXECUTED: 11/14/2014 RETURNED: 11/17/2014
P00006 12/23/2014 CERTIFICATE OF SECRETARY OF STATE/
KYLE R WALKER
P00007 1/20/2015 CERTIFICATE OF SECRETARY OF STATE/
TO WELLS FARGO BANK NA

P00008 1/21/2015 CERTIFICATE OF LAST KNOWN MAILING ADDRESS FOR:
WELLS FARGO BANK NA AND FREMONT REORGANI
ZATION CORP FKA FREMONT INVESTMENT &
LOAN
P00009 1/21/2015 MOTION FOR DEFAULT JUDGMENT

P00010 1/21/2015 CASE CLOSED DEFAULT JUDGMENT
O00001 1/21/2015 DEFAULT JUDGMENT
JUDGE: JOHN D. GABRIEL, JR.
VOL: 4338 PAGE: 393 PAGE COUNT: 2
S00003 1/26/2015 NOTICE OF ORDER RULE 306A
JUSTIN P NICHOLS
ISSUED: 1/26/2015
S00004 1/26/2015 NOTICE OF DEFAULT JUDGMENT
WELLS FARGO BANK NA
ISSUED: 1/26/2015
S00005 1/26/2015 NOTICE OF DEFAULT JUDGMENT
FREMONT REORGANIZING CORPORATION

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Full Case Information Page 3 of 3

ISSUED: 1/26/2015
RETURNED: 2/10/2015

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Exhibit E
Exhibit F
Exhibit G
 T/GF tacci-Aa_orm BRANCH fp,
ffs (on /CLOSER INITIALS

Return To:
FRET TT INVESTMENT & LOAN

1411 OPUS PLACE, SUITE 600
DOWNERS GROVE, IL 60515 IlL1111111111§111111111)1p11111111111111111111
4
Prepared By:
DENNIS P. SCHMARTZ
SCHWA= & ASSOCIATES
1446 HERITAGE DRIVE
NOKINNEY, TEXAS 75069
972-562-1966

[Space Above This Line For Recording natal

DEED OF TRUST 1001944-5000141013-4
MIN
NOTICE OF CONFIDENTIALITY RIGHTS:
If you are a natural person, you may remove or strike any of the following
information from this instrument before it is filed for record in the public
records: your social security number or your driver's license number.
DEFINITIONS
Words used in multiple sections of this document are defined below and other words are defined in
Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are
also provided in Section 16.
(A) "Security Instrument" means this document, which is dated MARCH 11, 2005 , together
with all Riders to this document.
(B) "Borrower" is
LUCILLE. W. ALLEN AND HUSBAND, DOUGLAS ALLEN

Borrower is the grantor under this Security Instrument.
(C) "Lender" is
FREMCNT INVEST/11NT & LOAN

Lender is a CORPORATION
organized and existing under the laws of THE STATE OF CALIFORNIA
Lender's address is
175 NORTH RIVERVINR DRIVE, ANAHEIM, CA 92808
Lender includes any holder of the Note who is entitled to receive payments under the Note.

925000141013
TEXAS-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS
Form 3044 1/01 VMP Mortgage Solutions, Inc. (800)521.7291
-6A(TX) (0411) Page 1 of 16

,11

1,1.11111T119,11111til 111111111111111111111111
(D) "Trustee" is
DENNIS P. SCHWARTZ
Trustee's address is
1446 BERTTAGE DRIVE, ICKINNEY, TX 75069
(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is
acting solely as a nominee for Lender and Lender's successors and assigns. MERS is a beneficiary under
this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an
address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS.
(F) "Note" means the promissory note signed by Borrower and dated MARCH 11, 2005
The Note states that Borrower owes Lender
am HUNDRED FIVE THOUSAND THREE HUNDRED AND 00/100
Dollars (U.S. $105, 300 . 00 ) plus interest. Borrower has promised to pay this debt in regular
Periodic Payments and to pay the debt in full not later than APRIL 01, 2035
(G) "Property" means the property that is described below under the heading "Transfer of Rights in the
Property."
(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges
due under the Note, and all sums due under this Security Instrument, plus interest.
(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following
iRiders are to be executed by Borrower [check box as applicable]:
LxJ Adjustable Rate Rider I I Condominium Rider U Second Home Rider
Balloon Rider I Y I Planned Unit Development Rider I I 1-4 Family Rider
I I VA Rider Biweekly Payment Rider
Other(s) [specify]

(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations,
ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final,
non-appealable judicial opinions.
(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other
charges that are imposed on Borrower or the Property by a condominium association, homeowners
association or similar organization.
(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by
check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic
instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit
or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller
machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse
transfers.
(M) "Escrow Items" means those items that are described in Section 3.
(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid
by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i)
damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the
Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the
value and/or condition of the Property.

925000141013
©-6M, X) (0411) Page 2 of 16 Form 3044 1/01

("g
(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on,
the Loan.
(P) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the
Note, plus (ii) any amounts under Section 3 of this Security Instrument.
(Q) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its
implementing regulation, Regulation X (29 C.F.R. Part 3500), as they might be amended from time to
time, or any additional or successor legislation or regulation that governs the same subject matter. As used
in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard
to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage
loan" under RESPA.
(R) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or
not that party has assumed Borrower's obligations under the Note and/or this Security Instrument.

TRANSFER OF RIGHTS IN THE PROPERTY
The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lender's
successors and assigns) and the successors and assigns of MERS. This Security Instrument
secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications
of the Note; and (it) the performance of Borrower's covenants and agreements under this
Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to
Trustee, in trust, with power of sale, the following described property located in the County of
BEXAR
[Name of Recording Jurisdiction]
LOT 18, BLOCK 5, NCB 18175, NORTBAMPTCN, UNIT 1, CITY OF SAN ANTONIO,
BEXAR COUNTY, TEXAS, ACCORDIM TO PLAT, RECORDED IN VOLUME 9516, PAGES
171-177 LEED AND PLAT RECORDS, BEXAR COUNTY, TEXAS.

Parcel ID Number:

which currently has the address of
8118 laNDERLY PL. [Street]
SAN ANTONIO [City] , Texas 78109 [Zip Code] ("Property Address"):

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

925000141013
4:t-6AUXH0411) Page3a16 Form 3044 1/01

)74
Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title
to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or
custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any
or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to
take any action required of Lender including, but not limited to, releasing and canceling this Security
Instrument.
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has
the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances
of record. Borrower warrants and will defend generally the title to the Property against all claims and
demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform
covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real
property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.
Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any
prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items
pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S.
currency. However, if any check or other instrument received by Lender as payment under the Note or this
Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments
due under the Note and this Security Instrument be made in one or more of the following forms, as
selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or
cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a
federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location designated in the Note or at
such other location as may be designated by Lender in accordance with the notice provisions in Section 15.
Lender may return any payment or partial payment if the payment or partial payments are insufficient to
bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan
current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial
payments in the future, but Lender is not obligated to apply such payments at the time such payments are
accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay
interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring
the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply
such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding
principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower
might have now or in the future against Lender shall relieve Borrower from making payments due under
the Note and this Security Instrument or performing the covenants and agreements secured by this Security
Instrument.
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all
payments accepted and applied bi Lender shall be applied in the following order of priority: (a) interest
due under the Note; (b) princi due under the Note; (c) amounts due under Section 3. Such payments
shall be applied to each Perior c Payment in the order in which it became due. Any remaining amounts
shall be applied first to late charges, second to any other amounts due under this Security Instrument, and
then to reduce the principal balance of the Note.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a
sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and
the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received
from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be
paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or
more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall
be applied first to any prepayment charges and then as described in the Note.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under
the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments.
925000141013

-6A(T X) (0411) Page 0 of 16 Form 3044 1/01
 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due
under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due
for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a
lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c)
premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance
premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage
Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow
Items." At origination or at any time during the term of the Loan, Lender may require that Community
Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and
assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to
be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives
Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's
obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be
in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts
due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires,
shall furnish to Lender receipts evidencing such payment within such time period as Lender may require.
Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to
be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement"
is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and
Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9
and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such
amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in
accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in
such amounts, that are then required under this Section 3.
Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply
the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can
require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and
reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable
Law.
The Funds shall be held in an institution whose deposits are insured by a federal agency,
instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in
any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time
specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually
analyzing the escrow account, or verifying the Fcrrow Items, unless Lender pays Borrower interest on the
Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing
or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower
any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest
shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the
Funds as required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to
Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow,
as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to
Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12
monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall
notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make
up the deficiency in accordance with RESPA, but in no more than 12 monthly payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund
to Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions
attributable to the Property which can attain priority over this Security Instrument, leasehold payments or
ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To
the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3.

925000141013

et
"
-6A(Tx) (0411) Page 5 of 16 Initial Form 3044 1/01

4
 Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable
to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith
by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to
prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings
are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating
the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien
which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the
lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or
more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or
reporting service used by Lender in connection with this Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on
the Property insured against loss by fire, hazards included within the term "extended coverage," and any
other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance.
This insurance shall be maintained in the amounts (including deductible levels) and for the periods that
Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of
the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's
right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may
require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone
determination, certification and tracking services; or (b) a one-time charge for flood zone determination
and certification services and subsequent charges each time remappings or similar changes occur which
reasonably might affect such determination or certification. Borrower shall also be responsible for the
payment of any fees imposed by the Federal Emergency Management Agency in connection with the
review of any flood zone determination resulting from an objection by Borrower.
If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance
coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any
particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might
not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk,
hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower
acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of
insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall
become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest
at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from
Lender to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject to Lender's
right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as
mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal
certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and
renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender,
for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and
shall name Lender as mortgagee and/or as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender
may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree
in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall
be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and
Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to
hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the
work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken
promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series
of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law
requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any

925000141013
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interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by
Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If
the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance
proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with
the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in
Section 2.
If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance
claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the
insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day
period will begin when the notice is given. In either event, or if Lender acquires the Property under
Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance
proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and
(b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by
Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the
coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or
to pay amounts unpaid under the Note or this Security Instrument, whether or not then due.
6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal
residence within 60 days after the execution of this Security Instrument and shall continue to occupy the
Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender
otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating
circumstances exist which are beyond Borrower's control.
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not
destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the
Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in
order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is
determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall
promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or
condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower
shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such
purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of
progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient
to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of
such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property. If it has
reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give
Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause.
8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application
process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's
knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender
(or failed to provide Lender with material information) in connection with the Loan. Material
representations include, but are not limited to, representations concerning Borrower's occupancy of the
Property as Borrower's principal residence.
9. Protection of' Lender's Interest in the Property and Rights Under this Security Instrument. If
(a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there
is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under
this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for
enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or
regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is
reasonable or appropriate to protect Lender's interest in the Property and rights under this Security
Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing
the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien
which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable
925000141013
4114 -6A(TX) (0411) Page 7 of 16 inrtiai Form 3044 1/01
attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including
its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to,
entering the Property to make repairs, change locks, replace or board up doors and windows, drain water
from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned
on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not
under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all
actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower
secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of
disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting
payment.
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the
lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless
Lender agrees to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason,
the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that
previously provided such insurance and Borrower was required to make separately designated payments
toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain
coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially
equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate
mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not
available, Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these
payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be
non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be
required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss
reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires)
provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires
separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage
Insurance as a condition of making the Loan and Borrower was required to make separately designated
payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to
maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's
requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and
Lender providing for such termination or until termination is required by Applicable Law. Nothing in this
Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note.
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it
may incur if Borrower does not repay the Loan as agreed Borrower is not a party to the Mortgage
Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may
enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements
are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to
these agreements. These agreements may require the mortgage insurer to make payments using any source
of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage
Insurance premiums).
As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer,
any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that
derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in
exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement
provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the
premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further:
(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for
Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount
Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund.
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CZ) -6A(TX) (0411) Page 8 of 16 moat__ Form 3044 1/01
 (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the
Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights
may include the right to receive certain disclosures, to request and obtain cancellation of the
Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a
refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or
termination.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of
the Property, if the restoration or repair is economically feasible and Lender's security is not lessened.
During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds
until Lender has had an opportunity to inspect such Property to ensure the work has been completed to
Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the
repairs and restoration in a single disbursement or in a series of progress payments as the work is
completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such
Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such
Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would
be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be
applied in the order provided for in Section 2.
In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous
Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with
the excess, if any, paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is equal to or
greater than the amount of the sums secured by this Security Instrument immediately before the partial
taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums
secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds
multiplied by the following fraction: (a) the total amount of the sums secured immediately before the
partial taking, destruction, or loss in value divided by (b) the fair market value of the Property
immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is less than the
amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless
Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums
secured by this Security Instrument whether or not the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the
Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages,
Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized
to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the
sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party
that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in
regard to Miscellaneous Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in
Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's
interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if
acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be
dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material
impairment of Lender s interest in the Property or rights under this Security Instrument. The proceeds of
any award or claim for damages that are attributable to the impairment of Lender's interest in the Property
are hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be
applied in the order provided for in Section 2.
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 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for
payment or modification of amortization of the sums secured by this Security Instrument granted by Lender
to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower
or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against
any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify
amortization of the sums secured by this Security Instrument by reason of any demand made by the original
Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or
remedy including, without limitation, Lender's acceptance of payments from third persons, entities or
Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or
preclude the exercise of any right or remedy.
13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants
and agrees that Borrower's obligations and liability shall be Joint and several. However, any Borrower who
co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this
Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the
terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security
Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify. forbear or
make any accommodations with regard to the terms of this Security Instrument or the Note without the
co-signer's consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes
Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain
all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from
Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in
writing. The covenants and agreements of this Security Instrument shall bind (except as provided in
Section 20) and benefit the successors and assigns of Lender.
19. Loan Charges. Lender may charge Borrower fees for services performed in connection with
Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this
Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees.
In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific
fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge
fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so
that the interest or other loan charges collected or to be collected in connection with the Loan exceed the
permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the
charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted
limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal
owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the
reduction will be treated as a partial prepayment without any prepayment charge (whether or not a
prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by
direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out
of such overcharge.
15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument
must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to
have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's
notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers
unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address
unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly
notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's
change of address, then Borrower shall only report a change of address through that specified procedure.
There may be only one designated notice address under this Security Instrument at any one time. Any
notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address
stated herein unless Lender has designated another address by notice to Borrower. Any notice in
connection with this Security Instrument shall not be deemed to have been given to Lender until actually

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et-6A(T)0 (0411) Page 10 of 16 Initials. Form 3044 1/01
received by Lender. If any notice required by this Security Instrument is also required under Applicable
Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security
Instrument.
16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be
governed by federal law and the law of the jurisdiction in which the Property is located. All rights and
obligations contained in this Securi Instrument are subject to any requirements and limitations of
Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it
might be silent, but such silence sha I not be construed as a prohibition against agreement by contract. In
the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable
Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be
given effect without the conflicting provision.
As used in this Security Instrument: (a) words of the masculine gender shall mean and include
corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and
include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to
take any action.
17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument.
18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18,
"Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited
to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or
escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser.
If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower
is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior
written consent, Lender may require immediate payment in full of all sums secured by this Security
Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by
Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall
provide a period of not less than 30 days from the date the notice is given in accordance with Section 15
within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay
these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this
Security Instrument without further notice or demand on Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions,
Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time
prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in
this Security Instrument; (b) such other period as Applicable Law might specify for the termination of
Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those
conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security
Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or
agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited
to, reasonable attorneys fees, property inspection and valuation fees, and other fees incurred for the
purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d)
takes such action as Lender may reasonably require to assure that Lender's interest in the Property and
rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security
Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and
expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c)
certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon
an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic
Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby
shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not
apply in the case of acceleration under Section 18.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in
the Note (together with this Security Instrument) can be sold one or more times without prior notice to
Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects
Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan
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et -6A(Tx) (0411) Page 11 of 16 Initials: Form 3044 1/01
servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be
one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan
Servicer, Borrower will be given written notice of the change which will state the name and address of the
new Loan Servicer, the address to which payments should be made and any other information RESPA
requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is
serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations
to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not
assumed by the Note purchaser unless otherwise provided by the Note purchaser.
Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an
individual litigant or the member of a class) that arises from the other party's actions pursuant to this
Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by
reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such
notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the
other party hereto a reasonable period after the giving of such notice to take corrective action. If
Applicable Law provides a time period which must elapse before certain action can be taken, that time
period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and
opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to
Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective
action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those
substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the
following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides
and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials;
(b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that
relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response
action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental
Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental
Cleanup.
Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous
Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do,
nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental
Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a
Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding
two sentences shall not apply to the presence, use, or storage on the Property of small quantities of
Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to
maintenance of the Property (including, but not limited to, hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit
or other action by any governmental or regulatory agency or private party involving the Property and any
Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any
Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of
release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a
Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified
by any governmental or regulatory authority, or any private party, that any removal or other remediation
of any Hazardous Substance affectmg the Property is necessary, Borrower shall promptly take all necessary
remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on
Lender for an Environmental Cleanup.

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Ca -6A(TX) (0411) Page 12 of 16 lnitia al Form 3044 1/01
 NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following
Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to
acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a)
the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date
the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the
default on or before the date specified in the notice will result in acceleration of the sums secured by
this Security Instrument and sale of the Property. The notice shall further inform Borrower of the
right to reinstate after acceleration and the right to bring a court action to assert the non-existence of
a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or
before the date specified in the notice, Lender at its option may require immediate payment in full of
all sums secured by this Security Instrument without further demand and may invoke the power of
sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all
expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to,
reasonable attorneys' fees and costs of title evidence. For the purposes of this Section 22, the term
"Lender" includes any holder of the Note who is entitled to receive payments under the Note.
If Lender invokes the power of sale, Lender or Trustee shall give notice of the time, place and
terms of sale by posting and filing the notice at least 21 days prior to sale as provided by Applicable
Law. Lender shall mall a copy of the notice to Borrower in the manner prescribed by Applicable
Law. Sale shall be made at public venue. The sale must begin at the time stated in the notice of sale
or not later than three hours after that time and between the hours of 10 a.m. and 4 p.m. on the first
Tuesday of the month. Borrower authorizes Trustee to sell the property to the highest bidder for cash
in one or more parcels and in any order Trustee determines. Lender or its designee may purchase the
Property at any sale.
Trustee shall deliver to the purchaser Trustee's deed conveying indefeasible tide to the Property
with covenants of general warranty from Borrower. Borrower covenants and agrees to defend
generally the purchaser's title to the Property against all claims and demands. The recitals in the
Trustee's deed shall be prima fade evidence of the truth of the statements made therein. Trustee shall
apply the proceeds of the sale in the following order: (a) to all expenses of the sale, including, but not
limited to, reasonable Trustee's and attorneys' fees; (b) to all sums secured by this Security
Instrument; and (c) any excess to the person or persons legally entitled to it.
If the Property is sold pursuant to this Section 22, Borrower or any person holding possession of
the Property through Borrower shall immediately surrender possession of the Property to the
purchaser at that sale. If possession is not surrendered, Borrower or such person shall be a tenant at
sufferance and may be removed by writ of possession or other court proceeding.
23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall provide a
release of this Security Instrument to Borrower or Borrower's designated agent in accordance with
Applicable Law. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for
releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the
charging of the fee is permitted under Applicable Law.
24. Substitute Trustee; Trustee Liability. All rights, remedies and duties of Trustee under this
Security Instrument may be exercised or performed by one or more trustees acting alone or together.
Lender, at its option and with or without cause, may from time to time, by power of attorney or otherwise,
remove or substitute any trustee, add one or more trustees, or appoint a successor trustee to any Trustee
without the necessity of any formality other than a designation by Lender in writing. Without any further
act or conveyance of the Property the substitute, additional or successor trustee shall become vested with
the title, rights, remedies, powers and duties conferred upon Trustee herein and by Applicable Law.

925000141013
©-6A(TX) (0411) Page 13 of 16 Initials Form 3044 1/01
 Trustee shall not be liable if acting upon any notice, request, consent, demand, statement or other
document believed by Trustee to be correct. Trustee shall not be liable for any act or omission unless such
act or omission is willful.
25. Subrogation. Any of the proceeds of the Note used to take up outstanding liens against all or any
part of the Property have been advanced by Lender at Borrower's request and upon Borrower's
representation that such amounts are due and are secured by valid liens against the Property. Lender shall
be subrogated to any and all rights, superior titles, liens and equities owned or claimed by any owner or
holder of any outstanding liens and debts, regardless of whether said liens or debts are acquired by Lender
by assignment or are released by the holder thereof upon payment.
26. Partial Invalidity. In the event any portion of the sums intended to be secured by this Security
Instrument cannot be lawfully secured hereby, payments in reduction of such sums shall be applied first to
those portions not secured hereby.
27. Purchase Money; Owelty of Partition; Renewal and Extension of Liens Against Homestead
Property; Acknowledgment of Cash Advanced Against Non-Homestead Property. Check box as
applicable:

Lid Purchase Money.
The funds advanced to Borrower under the Note were used to pay all or part of the purchase price of
the Property. The Note also is primarily secured by the vendor's lien retained in the deed of even date with
this Security Instrument conveying the Property to Borrower, which vendor's lien has been assigned to
Lender, this Security Instrument being additional security for such vendor's lien.

I I Owelty of Partition.
The Note represents funds advanced by Lender at the special instance and request of Borrower for the
purpose of acquiring the entire fee simple title to the Property and the existence of an owelty of partition
imposed against the entirety of the Property by a court order or by a written agreement of the parties to the
partition to secure the payment of the Note is expressly acknowledged, confessed and granted.

I 1 Renewal and Extension of Liens Against Homestead Property.
The Note is in renewal and extension, but not in extinguishment, of the indebtedness described on the
attached Renewal and Extension Exhibit which is incorporated by reference. Lender is expressly
subrogated to all rights, liens and remedies securing the original holder of a note evidencing Borrower's
indebtedness and the original liens securing the indebtedness are renewed and extended to the date of
maturity of the Note in renewal and extension of the indebtedness.

I 1 Acknowledgment of Cash Advanced Against Non-Homestead Property.
The Note represents funds advanced to Borrower on this day at Borrower's request and Borrower
acknowledges receipt of such funds. Borrower states that Borrower does not now and does not intend ever
to reside on, use in any manner, or claim the Property secured by this Security Instrument as a business or
residential homestead. Borrower disclaims all homestead rights, interests and exemptions related to the
Property.
28. Loan Not a Home Equity Loan. The Loan evidenced by the Note is not an extension of credit
as defined by Section 50(a)(6) or Section 50(a)(7), Article XVI, of the Texas Constitution. If the
Property is used as Borrower's residence, then Borrower agrees that Borrower will receive no cash
from the Loan evidenced by the Note and that any advances not necessary to purchase the Property,
extinguish an owelty lien, complete construction, or renew and extend a prior lien against the

925000141013

-6A(TX) (0411) Page 14 of 16 Ink Form 3044 1/01
Property, will be used to reduce the balance evidenced by the Note or such Loan will be modified to
evidence the correct Loan balance, at Lender's option. Borrower agrees to execute any
documentation necessary to comply with this Section 28.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this
Security Instrument and in any Rider executed by Borrower and recorded with it.

Witnesses:

tczai Ythici
LUCILLE W. ALLEN
(Seal)
-Borrower

(Seal)
-Borrower

(Seal) (Seal)
-Borrower -Borrower

(Seal) (Seal)
-Borrower -Borrower

(Seal) (Seal)
-Borrower -Borrower

925000141013
Ct-6A(TX) (0411) Page 15 of 16 Form 3044 1/01
STATE OF TEXAS
County of Bexar

Before me a Notary Public on this day personally appeared
LUCILLE W. ALLEN AND DOUt3LAS ALLEN

known to me (or proved to me on the oath of
or through ) to be the person whose name is subscribed to the
foregoing instrument and acknowledged to me that he/she/they executed the same for the purposes and
consideration therein expressed.

Given under my hand and seal of office this day of MARCEI , 2005 .

(Seal)

AUTUMN COOKE
!Wan; Put rt. Stat, .t•Texas
P g. I t
31.2009
My Corr

My Commission Expires. t /3i

925000141013
CZ% -6A(TX) (0411) Page 16 of 16 Initials:, ifi /47 Form 3044 1/01
 PLANNED UNIT DEVELOPMENT RIDER
THIS PLANNED UNIT DEVELOPMENT RIDER is made this 11TH day of
MARCH , 2005 , and is incorporated into and shall be deemed to amend and
supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the
same date, given by the undersigned (the "Borrower") to secure Borrower's Note to
FREMCNT INVESTMENT & LOAN

(the "Lender") of the same date and covering the Property described in the Security
Instrument and located at:

8118 MANDERLY PL., SAN ANTONIO, TEXAS 78109
[Property Address]
The Property includes, but is not limited to, a parcel of land improved with a dwelling,
together with other such parcels and certain common areas and facilities, as described in
4195/1325, REAL PROPERTY RECORDS OF MAR COLINTY, TEXAS

(the "Declaration"). The Property is a part of a planned unit development known as

NORTHADIPTCN, UNIT 1
[Name of Planned Unit Development]

(the "PUD"). The Property also includes Borrower's interest in the homeowners association or
equivalent entity owning or managing the common areas and facilities of the PUD (the
"Owners Association") and the uses, benefits and proceeds of Borrower's interest.
PUD COVENANTS. In addition to the covenants and agreements made in the Security
Instrument, Borrower and Lender further covenant and agree as follows:
A. PUD Obligations. Borrower shall perform all of Borrower's obligations under the PUD's
Constituent Documents. The "Constituent Documents" are the (i) Declaration; (ii) articles of
incorporation, trust instrument or any equivalent document which creates the Owners
Association; and (iii) any by-laws or other rules or regulations of the Owners Association.
Borrower shall promptly pay, when due, all dues and assessments imposed pursuant to the
Constituent Documents.

925000141013

MULTISTATE PUD RIDER - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
Form 3150 1/01 Page 1 of 3
Cit-7R (0411) VMP Mortgage Solutions, Inc. (800)521-7291 Initials: t

•
 B. Property Insurance. So long as the Owners Association maintains, with a generally
accepted insurance carrier, a "master" or "blanket" policy insuring the Property which is
satisfactory to Lender and which provides insurance coverage in the amounts (including
deductible levels), for the periods, and against loss by fire, hazards included within the term
"extended coverage," and any other hazards, including, but not limited to, earthquakes and
floods, for which Lender requires insurance, then: (i) Lender waives the provision in Section 3
for the Periodic Payment to Lender of the yearly premium installments for property insurance
on the Property; and (ii) Borrower's obligation under Section 5 to maintain property insurance
coverage on the Property is deemed satisfied to the extent that the required coverage is
provided by the Owners Association policy.
What Lender requires as a condition of this waiver can change during the term of the
loan.
Borrower shall give Lender prompt notice of any lapse in required property insurance
coverage provided by the master or blanket policy.
In the event of a distribution of property insurance proceeds in lieu of restoration or
repair following a loss to the Property, or to common areas and facilities of the PUD, any
proceeds payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall
apply the proceeds to the sums secured by the Security Instrument, whether or not then due,
with the excess, if any, paid to Borrower.
C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to
insure that the Owners Association maintains a public liability insurance policy acceptable in
form, amount, and extent of coverage to Lender.
D. Condemnation. The proceeds of any award or claim for damages, direct or
consequential, payable to Borrower in connection with any condemnation or other taking of all
or any part of the Property or the common areas and facilities of the PUD, or for any
conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such
proceeds shall be applied by Lender to the sums secured by the Security Instrument as
provided in Section 11.
E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with
Lender's prior written consent, either partition or subdivide the Property or consent to: (i) the
abandonment or termination of the PUD, except for abandonment or termination required by
law in the case of substantial destruction by fire or other casualty or in the case of a taking
by condemnation or eminent domain; (ii) any amendment to any provision of the "Constituent
Documents" if the provision is for the express benefit of Lender; (iii) termination of
professional management and assumption of self-management of the Owners Association; or
(iv) any action which would have the effect of rendering the public liability insurance coverage
maintained by the Owners Association unacceptable to Lender.
F. Remedies. If Borrower does not pay PUD dues and assessments when due, then
Lender may pay them. Any amounts disbursed by Lender under this paragraph F shall become
additional debt of Borrower secured by the Security Instrument Unless Borrower and Lender
agree to other terms of payment, these amounts shall bear interest from the date of
disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to
Borrower requesting payment.

925000141013

©-7R (0411) Page 2 of 3 Initials: Form 3150 1/01
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in
this PUD Rider.

(Seal) (Seal)
-Borrower DaAs ALLEN
( Borrower

(Seal) (Seal)
-Borrower -Borrower

(Seal) (Seal)
-Borrower -Borrower

(Seal) (Seal)
-Borrower -Borrower

925000141013

-7R (0411) Page 3 of 3 Form 3150 1/01

Return To:
FREMONT INVESTMENT & LOAN

1411 OPUS PLACE, SUITE 600
DOWNERS GROVE, IL 60515
 ADJUSTABLE RATE RIDER
THIS ADJUSTABLE RATE RIDER is made this 11Th day of MARCH , 2005
and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed
of Trust, or Security Deed (the "Security Instrument") of the same date given by the
undersigned (the "Borrower") to secure Borrower's Adjustable Rate Note (the "Note") to

FREMCNT INVESTMENT & WAN
(the "Lender") of the same date and covering the Property described in the Security
Instrument and located at:

8118 MANDERLY PL., SAN ANTCNIO, TEXAS 78109
[Property Address]

THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY
INTEREST RATE AND MY MONTHLY PAYMENT. INCREASES IN THE
INTEREST RATE WILL RESULT IN HIGHER PAYMENTS. DECREASES IN THE
INTEREST RATE WILL RESULT IN LOWER PAYMENTS.

ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the
Security Instrument, Borrower and Lender further covenant and agree as follows:

A. INTEREST RATE AND MONTHLY PAYMENT CHANGES
The Note provides for an initial interest rate of 7.6500 %. The Note provides for
changes in the interest rate and the monthly payments, as follows:

4. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates
The interest rate I will pay may change on the 1ST day of APRIL
2007 , and on that day every 6TH month thereafter. Each date on which my interest
rate could change is called a "Change Date."

925000141013

MULTISTATE ADJUSTABLE RATE RIDER - Single Family
1/01 Page 1 of 5
it-899R (0402) VMP Mortgage Solutions, Inc. (800)521-7291 Initials:4 (4*
 (B) The Index
Beginning with the first Change Date, my interest rate will be based on an Index. The
"Index" is: the average of interbank offered rates for six-month U.S. dollar-denominated deposits
in the London market ("LIBOR"), as published in The Wall Street Journal.

The most recent Index figure available as of the date: I X I 45 days
before each Change Date is called the "Current Index."
If the Index is no longer available, the Note Holder will choose a new Index that is based
upon comparable information. The Note Holder will give me notice of this choice

(C) Calculation of Changes
Before each Change Date, the Note Holder will calculate my new interest rate by adding
SIX & 99/100 percentage points ( 6.9900 %)
to the Current Index. The Note HiRlder will then round the result of this addition to the
I X Nearest I Next Highest Next Lowest
one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4 (D)
below, this rounded amount will be my new interest rate until the next Change Date.
The Note Holder will then determine the amount of the monthly payment that would be
sufficient to repay the unpaid principal I am expected to owe at the Change Date in full on the
maturity date at my new interest rate in substantially equal payments. The result of this
calculation will be the new amount of my monthly payment.

Interest-Only Period
N/A The "Interest-only Period" is the period from the date of this Note through
For the interest-only period, after calculating my new interest rate
as provided above, the Note Holder will then determine the amount of the monthly payment
that would be sufficient to pay the interest which accrues on the unpaid principal of my loan.
The result of this calculation will be the new amount of my monthly payment.
The "Amortization Period" is the period after the interest-only period. For the
amortization period, after calculating my new interest rate as provided above, the Note Holder
will then determine the amount of the monthly payment that would be sufficient to repay the
unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at
my new interest rate in substantially equal payments. The result of this calculation will be the
new amount of my monthly payment.

925000141013
Initials:
Ct-899R (0402) Page 2 of 5
 (D) Limits on Interest Rate Changes
(Please check appropriate boxes; if no box is checked, there will be no maximum limit on
changes.)

I 1 (1) There will be no maximum limit on interest rate changes.
(2) The interest rate I am required to pay at the first Change Date will not be greater
than 10.6500 % or less than 7.6500 %.
(3) My interest rate will never be increased or decreased on any single Change Date
by more than Cl E & CVE-HALF percentage points ( 1.5000 %) from the rate
of interest I have been paying for the preceding period.
I x 1 (4) My interest rate will never be greater than 14.6500 %, which is called
the "Maximum Rate."
( XI (5) My interest rate will never be less than 7.6500%, which is called the
"Minimum Rate."
X (6) My interest rate will never be less than the initial interest rate.
( XI (7) The interest rate I am required to pay at the first Change Date will not be greater
than 10.6500 % or less than 7.6500 %. Thereafter,
my interest rate will never be increased or decreased on any single Change Date by
more than ONE & CINE-HALF
percentage points ( 1.5000 %) from the rate of interest I have
been paying for the preceding period.

(E) Effective Date of Changes
My new interest rate will become effective on each Change Date. I will pay the amount
of my new monthly payment beginning on the first monthly payment date after the Change
Date until the amount of my monthly payment changes again.

(F) Notice of Changes
The Note Holder will deliver or mail to me a notice of any changes in my interest rate and
the amount of my monthly payment before the effective date of any change. The notice will
include information required by law to be given to me and also the title and telephone number
of a person who will answer any question I may have regarding the notice.

dfma 925000141013
Initials:
et-899R (0402) Page 3 of 5

•
B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER
Uniform Covenant 18 of the Security Instrument is amended to read as follows:

Transfer of the Property or a Beneficial Interest in Borrower. As used in this
Section 18, "Interest in the Property" means any legal or beneficial interest in the
Property, including, but not limited to, those beneficial interests transferred in a
bond for deed, contract for deed, installment sales contract or escrow agreement,
the intent of which is the transfer of title by Borrower at a future date to a
purchaser.

If all or any part of the Property or any Interest in the Property is sold or
transferred (or if a Borrower is not a natural person and a beneficial interest in
Borrower is sold or transferred) without Lender's prior written consent, Lender may
require immediate payment in full of all sums secured by this Security Instrument.
However, this option shall not be exercised by Lender if such exercise is prohibited
by Applicable Law. Lender also shall not exercise this option if: (a) Borrower causes
to be submitted to Lender information required by Lender to evaluate the intended
transferee as if a new loan were being made to the transferee; and (b) Lender
reasonably determines that Lender's security will not be impaired by the loan
assumption and that the risk of a breach of any covenant or agreement in this
Security Instrument is acceptable to Lender.

To the extent permitted by Applicable Law, Lender may charge a reasonable fee
as a condition to Lender's consent to the loan assumption. Lender also may require
the transferee to sign an assumption agreement that is acceptable to Lender and that
obligates the transferee to keep all the promises and agreements made in the Note
and in this Security Instrument. Borrower will continue to be obligated under the
Note and this Security Instrument unless Lender releases Borrower in writing.

If Lender exercises the option to require immediate payment in full, Lender shall
give Borrower notice of acceleration. The notice shall provide a period of not less
than 30 days from the date the notice is given in accordance with Section 15 within
which Borrower must pay all sums secured by this Security Instrument. If Borrower
fails to pay these sums prior to the expiration of this period, Lender may invoke any
remedies permitted by this Security Instrument without further notice or demand on
Borrower.

925000141013
Initials:
et-899R (0402) Page 4 of 5
 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained
in this Adjustable Rate Rider.

ell4C4,11( g2/Prt, (Seal) (Seal)
-Borrower -Borrower
LTXMLLE W. ALLEN

(Seal) (Seal)
-Borrower -Borrower

(Seal) (Seal)
-Borrower -Borrower

(Seal) (Seal)
-Borrower -Borrower

925000141013

04-899R (0402) Page 5 of 5

Return To:
PREICWT INVEGINENT & LOAN

1411 OPUS PLACE, SUITE 600
DCWNERS GROVE, IL 60515

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Doc# 20050053940 Fees: $60.00
03/14/2005 3:57PM # Pages 24
Filed d Recorded in the Official Public
Records of SEXAR COUNTY
GERRY RICKHOFF COUNTY CLERK

•
Exhibit H