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Agenda 08/27/2024 Item #16D 3 (Mortgage satisfactions for the State Housing Initiatives Partnership loan program)08/27/2024 EXECUTIVE SUMMARY Recommendation to approve and authorize the Chairman to sign fifty-four (54) mortgage satisfactions for the State Housing Initiatives Partnership loan program in the total amount of $668,236, accept repayment amount totaling $47,700, and approve the expenditure in the amount of $500 in recording fees. (SHIP Grant Fund 1053) OBJECTIVE: To support the County's strategic initiative of quality of place through home ownership and/or rehabilitation assistance programs funded by the State Housing Initiatives Partnership. CONSIDERATIONS: The State Housing Initiatives Partnership Program (SHIP), a state affordable housing program, offers assistance to first-time home buyers for use toward a portion of the required down payment and emergency repairs to the newly acquired home, or rehabilitation assistance to homeowners for rehabilitation to their homesteaded property. The rehabilitation program offers an alternate repayment program requiring 1/3 of the loan forgiven at the end of each 5th year for fifteen (15) years. As a condition of award, the homeowner must repay the assistance provided upon sale, refinance, or loss of homestead exemption. Resolution No. 18-58 provides that in the event of the death of the borrowers, all debts will be forgiven for all affordable housing programs administered by Collier County Community and Human Services Division (“CHS”). The Death Certificate for the deceased has been provided to CHS. The following table provides details regarding the associated mortgages that have been satisfied through payoff, death, or met the affordability period. As such, satisfactions of mortgages are required. File # Name Reason for Payoff Public Record Mortgage or Mortgage Modification Amount Payment Amount Countywide Impact Fee Y/N 08-146 Maria Rivera Property no longer homesteaded OR 4405 PG 4003 $24,000 $24,000 N 09-248 Marie Jean-Paul Property sold OR 4582 PG 1513 $3,000 $3,000 Y-CWIF Payoff Received- released 6.25.24 BCC Meeting 08-126 Janine L Hawkins F/K/A Janine L Pruitt Property sold OR 4383 PG 3937 $20,700 $20,700 N 04-113 Jose V Rodriguez & Maribelle Mollinedo Affordability period met OR 3557 PG 0732 $5,000 $0 N 00-012R Roselene Eloi* Affordability period met OR 2844 PG 1163 $3,300 $0 N 98-028R Gene & Ann Lai Affordability period met OR 2704 PG 2693 $6,636 $0 N 98-043R Angela Durity* Affordability period met OR 2724 PG 1427 $15,000 $0 N 00-005R Mae Joyce German Affordability period met OR 2724 PG 1424 $15,000 $0 N 16.D.3 Packet Pg. 1469 08/27/2024 00-013R Teresa Stockner* Affordability period met OR 2844 PG 1166 $3,300 $0 N 05-047R Teresa Stockner* Affordability period met OR 4174 PG 3135 $15,000 $0 N 00-016R Gail Paxson Affordability period met OR 2841 PG 1130 $15,000 $0 N 00-007R Juanita Lopez Affordability period met OR 2921 PG 0466 $15,000 $0 N 01-001R Irene Ortiz Affordability period met OR 2843 PG 1731 $15,000 $0 N 01-005R Betty Thomas Affordability period met OR 2841 PG 3300 $15,000 $0 N 01-007R Isaac & Elizabeth Dennis Deceased OR 2841 PG 1139 $15,000 $0 N 01-010R Mary Williams Affordability period met OR 2841 PG 1145 $15,000 $0 N 01-012R Dorothy Riley Affordability period met OR 2841 PG 1148 $15,000 $0 N 01-016R Vern Henderson** Affordability period met OR 2880 PG 2524 $15,000 $0 N 01-013R Adam Jr. & April Sanchez Affordability period met OR 2841 PG 1121 $15,000 $0 N 01-022R Olivia Gonzalez Affordability period met OR 3015 PG 0880 $15,000 $0 N 01-026R Elius & Charitable Octavien* Affordability period met OR 2862 PG 0376 $3,300 $0 N 01-027R Celianse Julien* Affordability period met OR 2862 PG 0372 $3,300 $0 N 01-028R Ester Bustos AKA Ester Butos* Affordability period met OR 2864 PG 0918 $3,300 $0 N 01-034R Gladys Sanon* Affordability period met OR 2858 PG 2944 $3,300 $0 N 01-036R Therese Joseph* Affordability period met OR 2858 PG 2950 $3,300 $0 N 01-039R Rene & Norma Ortiz* Affordability period met OR 2858 PG 2959 $3,300 $0 N 01-048R Novella Williams Affordability period met OR 2875 PG 1761 $15,000 $0 N 02-008R Shirley Fegueroa Affordability period met OR 2945 PG 2492 $15,000 $0 N 01-049R Offenita Bassette Affordability period met OR 2883 PG 3227 $6,500 $0 N 02-009R Ramiro & Juana Garcia* Affordability period met OR 2875 PG 1754 $3,500 $0 N 02-010R Andrea Cordero Affordability period met OR 2980 PG 3331 $15,000 $0 N 16.D.3 Packet Pg. 1470 08/27/2024 02-017R Aleance Charelus & Clermencia Monpas* Affordability period met OR 3073 PG 0555 $15,000 $0 N 02-029R Armando & Agustina Maldonado Affordability period met OR 3096 PG 1013 $15,000 $0 N N/A John M & Emma M Gifford Affordability period met OR 2239 PG 2401 $2,500 $0 N 02-029R Armando & Norma Nieto Affordability period met OR 2923 PG 1876 $15,000 $0 N 02-033R Alicia Avalos Affordability period met OR 3022 PG 1789 $15,000 $0 N 02-035R Maria Ortiz Affordability period met OR 3092 PG 0261 $15,000 $0 N 02-042R Amalio & Yolanda Blanco Affordability period met OR 3009 PG 0716 $15,000 $0 N 02-045R Pablo & Maria Navarrete Affordability period met OR 3015 PG 0883 $15,000 $0 N 02-050R Dollie Mae Williams Affordability period met OR 3015 PG 0738 $15,000 $0 N 02-054R Guadalupe S Quintanilla Affordability period met OR 3053 PG 0583 $15,000 $0 N 02-053R Silverio & Josefina Ramirez Affordability period met PG 3090 OR 0065 $15,000 $0 N 02-055R Evelyne Romeus Affordability period met PG 3083 OR 2512 $15,000 $0 N 02-056R Sharon Weeks Affordability period met PG 3085 OR 2278 $15,000 $0 N 02-064R Patricia Lane* Affordability period met OR 3093 PG 2988 $15,000 $0 N 03-002R Jose & Sanaida Martinez Affordability period met OR 3115 PG 2420 $15,000 $0 N 03-003R Jose & Maria Matamoros* Affordability period met OR 3115 PG 2417 $15,000 $0 N 03-006R Maria Rodriguez Affordability period met OR 3096 PG 1007 $15,000 $0 N 03-008R Felix Gonzalez Affordability period met OR 3096 PG 1010 $15,000 $0 N 03-010R Raul Sr & Alicia Diaz* Affordability period met OR 3133 PG 1527 $15,000 $0 N 03-014R Alfiree Jackson Affordability period met OR 3110 PG 1950 $15,000 $0 N 03-017R Francisca Nunez Affordability period met OR 3125 PG 1235 $15,000 $0 N 03-018R Elicoeur & Cleonce Pharisien* Affordability period met OR 3125 PG 1232 $15,000 $0 N 03-020R Sylvia Estrada Affordability OR 3103 $15,000 $0 N 16.D.3 Packet Pg. 1471 08/27/2024 period met PG 1050 Total $668,236 $47,700 *The above property owners received SHIP Impact Fee Waivers through the Developer (Habitat for Humanity of Collier County, Inc.) that met the 15-year affordability period, and the lien was released. **At the homeowner’s request, her relative was added to the deed for estate purposes. Approval of this item will authorize the Chairman to sign the aforementioned mortgage satisfactions and the executed document shall be recorded in the Public Records of Collier County, Florida. FISCAL IMPACT: The repaid amount of $47,700 satisfies the payoff amount for the above -referenced SHIP loans. This repayment of $47,700 is considered program income of which five percent (5%) ($2,385) will be used as administrative funds and have been deposited in SHIP Grant Fund (1053), Project 33863. A Budget Amendment to recognize repayment amount totaling $47,700. (SHIP Grant Fund 1053) has been submitted with a subsequent Executive Summary MT item # 29567 recognizing Program Income and Interest Income. A recording fee of $10 has been paid by the homeowners who sold or paid off their homes and by Rodriguez/Mollinedo, who have met their affordability period. The $10 recording fee for the fifty (50) satisfactions of mortgage for Eloi, Lai, Durity, German, Stockner (2), Paxson, Lopez, Ortiz, Thomas, Dennis, Williams, Riley, Henderson, Sanchez, Gonzalez, Octavien, Julien, Bustos, Sanon, Joseph, Ortiz, Williams, Fegueroa, Bassette, Garcia, Cordero, Charelus/Monpas, Maldonado, Gifford, Nieto, Avalos, Ortiz, Blanco, Navarrete, Williams, Quintanilla, Ramirez, Romeus, Weeks, Lane, Martinez, Matamoros, Rodriguez, Gonzalez, Diaz, Jackson, Nunez, Pharisien and Estrada for a total of $500 that will be paid from the SHIP Grant Fund (1053), Project 33863. LEGAL CONSIDERATIONS: This item is approved for form and legality and requires a majority vote for Board approval. - CJS GROWTH MANAGEMENT IMPACT: There is no Growth Management impact. RECOMMENDATION: To approve and authorize the Chairman to sign fifty-four (54) mortgage satisfactions for the State Housing Initiatives Partnership loan program in the total amount of $668,236, accept repayment amount totaling $47,700, and approve the expenditure in the amount of $500 in recording fees. (SHIP Grant Fund 1053) Prepared By: Michelle Rubbo, Grants Support Specialist II, Community and Human Services Division ATTACHMENT(S) 1. (Linked) 8.27.2024 SHIP SOMS (54) STAMPED (PDF) 2. (Linked) 8.13.24 SHIP SOMS (54) BACKUP_Redacted (PDF) 3. Resolution 2018-058 Compliance Deceased (PDF) 16.D.3 Packet Pg. 1472 08/27/2024 COLLIER COUNTY Board of County Commissioners Item Number: 16.D.3 Doc ID: 29377 Item Summary: Recommendation to approve and authorize the Chairman to sign fifty-four (54) mortgage satisfactions for the State Housing Initiatives Partnership loan program in the total amount of $668,236, accept repayment amount totaling $47,700, and approve the expenditure in the amount of $500 in recording fees. (SHIP Grant Fund 1053) Meeting Date: 08/27/2024 Prepared by: Title: – Community & Human Services Name: Michelle Rubbo 07/09/2024 4:10 PM Submitted by: Title: Manager - Federal/State Grants Operation – Community & Human Services Name: Kristi Sonntag 07/09/2024 4:10 PM Approved By: Review: Community & Human Services Kristi Sonntag CHS Review Completed 08/05/2024 10:04 AM Community & Human Services Dharam Nohar PSD Reviewer Completed 08/05/2024 4:03 PM Community & Human Services Vanessa Collier PSD Reviewer Completed 08/05/2024 4:11 PM Operations & Veteran Services Jeff Weir OVS Director Review Completed 08/05/2024 4:14 PM Public Services Department Todd Henry Level 1 Department Review Completed 08/06/2024 10:30 AM County Attorney's Office Carly Sanseverino Level 2 Attorney Review Completed 08/06/2024 11:39 AM Corporate Compliance and Continuous Improvement Megan Gaillard Additional Reviewer Completed 08/09/2024 4:52 PM Grants Erica Robinson Level 2 Grants Review Completed 08/14/2024 3:40 PM Office of Management and Budget Debra Windsor Level 3 OMB Gatekeeper Review Completed 08/14/2024 4:04 PM County Attorney's Office Jeffrey A. Klatzkow Level 3 County Attorney's Office Review Completed 08/14/2024 4:24 PM Office of Management and Budget Blanca Aquino Luque OMB Reviewer Completed 08/15/2024 8:49 AM Grants Therese Stanley OMB Reviewer Completed 08/15/2024 1:22 PM Public Services Department Tanya Williams PSD Department Head Review Completed 08/15/2024 6:38 PM County Manager's Office Amy Patterson Level 4 County Manager Review Completed 08/21/2024 3:10 PM Board of County Commissioners Geoffrey Willig Meeting Pending 08/27/2024 9:00 AM 16.D.3 Packet Pg. 1473 rrnnOogrn00, RESOLUTION NO. 18— 58 O 4ftrcs 0 -1 A RESOLUTION OF THE BOARD OF COUNTY 0 rn w 0 co C ,D -. A COMMISSIONERS OF COLLIER COUNTY, FLORIDA, Z °V, 0 m CJI ESTABLISHING PROCEDURES FOR LIEN r 0 CO A OriZ1 rn ACOMPLIANCEFORAFFORDABLEHOUSINGDMD O PROGRAMS ADMINISTERED BY THE COLLIER o v g COUNTY COMMUNITY AND HUMAN SERVICES rn rn DIVISION. 2 A RECITALS: 0 WHEREAS,it is the intent of the Board of County Commissioners of Collier County, Florida, to increase the amount of affordable housing for its worker force and residents, and encourage the retention of affordable housing in the County; and WHEREAS, Objective 1 of the GMP's Housing Element states that the County will seek to provide new affordable housing units in order to meet the current and future housing needs of legal residents with very-low, low, moderate and gap incomes, including households with special needs; and WHEREAS, in order to address the housing needs of low, moderate, and gap income persons the County receives funding from State Housing Initiatives Partnership(SHIP)and U.S.Department of Housing&Urban Development(HUD) and implements County-initiated programs including Impact Fee Deferral and Affordable Housing Density Bonus programs; and WHEREAS, in furtherance of the spirit and intent of Resolution No 2006- 252, this Resolution establishes specific procedures for ensuring compliance with the liens and mortgages placed upon affordable housing properties and a procedure to collect on non-compliant homeowners; and WHEREAS, the SHIP Local Housing Assistance Plan (LHAP), HUD HOME, Impact Fee Deferral and other programs have default and recapture provisions for the properties they assist; and WHEREAS, there is no mechanism in place to collect on non-compliant 16.D.3.c Packet Pg. 1474 Attachment: Resolution 2018-058 Compliance Deceased (29377 : SHIP Satisfactions of Mortgage) liens and mortgages other than foreclosure; and WHEREAS, many of the noncompliance issues are due to death and divorce; and WHEREAS, some non-compliant homeowners have requested a repayment plan; and WHEREAS, the Board of County Commissioners wishes to establish a procedure to ensure the continued compliance of all existing and future affordable housing programs administered by the Collier County Community and Human Services Division, and establish a collection procedure. NOW, THEREFORE, BE IT RESOLVED by the Board of County Commissioners of Collier County, Florida, as follows: 1. This Resolution implements the intent of Resolution No.2006-252 for the Community and Human Services Division. 2. The foregoing Recitals are adopted as true and incorporated as part of this Resolution. 3. The Board of County Commissioners' affordable housing lien compliance policy, is adopted for immediate use, as follows: A. Purpose/Scope: The purpose is to establish procedures to provide for compliance of all State, Federal and locally funded affordable housing and collection of same. B. Applicability: These procedures apply to the compliance of all qualified affordable housing agreements and their default and recapture.Affordable homeowners did not contemplate divorce or death at the time of their mortgage or lien. Community and Human Services policy regarding divorce and death is as follows: 1) Divorce: In the case of divorce, when one party quit claim deeds their ownership interest in the home to the other spouse it will not be considered a transfer, and the 16.D.3.c Packet Pg. 1475 Attachment: Resolution 2018-058 Compliance Deceased (29377 : SHIP Satisfactions of Mortgage) original owner remaining in the home with a County mortgage or lien will be deemed in compliance until such time as he/she sells, refinances, converts housing to a rental property, no longer maintains homestead exemption, or fails to occupy the home as a primary residence or meets one of the other repayment triggering factors. 2) Death: In the case of death, if one spouse/owner is deceased and the surviving spouse/owner remains in the home, the County mortgage or lien will be deemed in compliance until such time as he/she sells, refinances, is no longer homesteaded, or triggers one of the other repayment requirements. If both owners are deceased then the mortgage or lien will be forgiven upon death of both parties. 3) All other compliance issues: The CHS Grants Compliance Unit (GCU) will have 12-months to counsel the owners to come into compliance with the requirements of the affordable housing agreements to include mortgage, lien(s) and/or security instruments. After all efforts have been exhausted to bring the owner(s), heirs, or authorized agents into compliance with the requirements, the CHS Grants Compliance Unit will refer the non-compliant owner(s) to a County approved collection agency to collect the debt in full or establish a repayment plan between the owner and collection agency. In accordance with Resolution No. 2006-252, after two (2)years of effort on the part of the CHS staff and a collection agency to bring the owner(s) into compliance, the CHS staff will prepare an Executive Summary and Resolution regarding past due receivables and bring the matter to the Board of County Commissioners for their review and determination to exhaust all other legal remedies such as foreclosure. 4.This Resolution is intended to clarify and not supersede existing program requirements. If there is an express conflict between this Resolution and existing program requirements, program requirements will prevail. 16.D.3.c Packet Pg. 1476 Attachment: Resolution 2018-058 Compliance Deceased (29377 : SHIP Satisfactions of Mortgage) THIS RESOLUTION ADOPTED after motion, second, and majority vote favoring same this a.. 14h day of March, 2018. ATTEST: BOARD OF COUNTY COMMISSIONERS DWIGHT, . BROCK, CLERK COLLIER CO TY, FLORIDA Y. By: A//4" Attest as'to'Chtirhdty Clerk Andy Solis,Chairman signature only. Approved as to form and legality: Jennifer Belpediocb Assistant County Attorney 3\ 0 16.D.3.c Packet Pg. 1477 Attachment: Resolution 2018-058 Compliance Deceased (29377 : SHIP Satisfactions of Mortgage) Prepared by: Michelle Rubbo Collier County Community and Human Services 3339 E. Tmnimni Trail Naples, FL 34112 SATISI'ACT[ON OP MORTGAGE THIS SPACE ICNOW ALL MEN BY 'THESE PRESENTS; That COLLIER COUNTX, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, TLORMA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Maria Rivera to COLLIER COUNTY, dated 9/30/08 slid recorded on 11/6/08 in Official Records Book 4405 Page 4003 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $24,000,00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and sureendors the sauie as cancelled, and hereby directs the Clerk of said Cirouit Court to cancel the same of record. This Sntisfactior of Mortgage was approved by Hre Board of County Conunissionars on 2024, Agenda Itom Number ATTEST: CRYSTAL IC. ICINZEL, CLERIC By: DEPUTY CLERIC Approval for form and legality; DEREKD.PERRY �,�'$ ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By; CHRTS HALL, CHAIRPERSON C1Q Prepared by: Michelle Rit Collier County Community and Auman Services 3339 E. Tamlmmi Trall Naples, FL 34112 SATIS7'ACTION OIL' IYIOI2TGAGE THIS SPACE POR KNOW ALL MEN BY TIIESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, PLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Marie Jean Paul to COLLIER COUNTY, dated 6/2/10 and recorded on 7/1/10 in Official Records Book 4582 Page 1513 of the Public Records of Collier County, Florida, baying mat the affordability housing obligation associated with the $3,000,00 of SHIP fiords and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mmtgage, and snrreltders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mor(gaga ryas approved by the Eoard of County Commissioners o0 2024, Agenda Item Number ATTEST; CRYSTAL 1C4 ICIN�EL, CLERK DEPUTY CLERIC Approval For foram and legality; DEREK D, PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CHRIS HALL, CHAIRPERSON CJr�(7� Prepared by; Michelle Rubho Collier County Community and Human Services 3339 E, Taminml Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISPAC'TION Or MORTGAGE t{NOW ALL MEN BY THESE PRESENTS; That COLLIER COTINTY, whose post ofFce address is 3299 E TAMMMI 'TRAIL, NAPLES$ FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Janine L Pruitt to COLLIER COUNTY, dated 7/31/08 and recorded on 8/5/08 in Official Records Book 4383 Page 3937 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $20,700.00 of SHIP funds and certain Promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfewtiou of Mortgage was approved by the Board of Connty Commissioners on 2024, Agenda Item Number ATTEST: CRYSTAL K, ICINZEL, CLERK DEPUTY CLERK Approval for form and legality; DEREK D, PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By; CHI2IS HALL, CHAIRPERSON Prepared by: MiwolleRubbo Collier County Community and Human Services 3339 E. Tumlanrl Trall Naples, FL 34112 THIS SPACE FOR RECORDING SATiSP'ACT101V Or MORTGAG); KNOW ALL MEN BY T[dESE PRESENTS: That COLLIIiR COUNTY, whose post office address is 3299 U TAMCAIVII TRAIL, NAPLES, h'LORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Jose V Rodriguez & Maribelle Mollinedo to COLLIER COUNTY, dated 4/22/04 and recorded on 5M 04 in Official Records Book 3557 Page 0732 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $5,000,00 of SHIP Funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfactiou of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This satisfactiou of Mortgage was approved by the Board of County Connnissioners on 2024, Agenda Item Number ATTEST; CRYSTAL I{• KINZEL, CLERI{ By: _ DEPUTY CLERI{ Approval for form and legality; DEREK ll, PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CIIRIS HALL, CC3AIRPERSON [ repared by: Michelle Rubbo Collier County Conununily and Human Services 3339 E. Tominml Trail Naples, PL 34112 SATISI+ACTION OI' MORTGAGE POR RF,CORDINO KNOW ALI, MEN BY THESE PRESENTS; That COLLIER COTINTY) whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holders) of a certain Mortgage executed by Roselene Eloi to COLLIER COUNTY, dated 8/28/00 and recorded on 6/18/01 in Official Records Book 2844 Page 1163 of the Public Records of Collier County, Florida, having ntet the affordabilityhousing obligation associated with the $3 3� 00 00 of SHIP funds and certain promisos and obligations set forth in said Mortgage, upon the properly described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the saute as cancelled, and hereby directs the Clerk of said Circuit Court to calico] the same of record. 'Phis Satisfaction of Mortgage was approved by the Board of County Conuuissiouers ou 2024, Agenda Item Number ATTEST: CRYSTAL K, ICINZEL, CLERK By; DEPUTY CLERK Approval for form and legality; DEREI{ D. PERRY ASSISTANT COUNTY ATTORNEY BOARll OP COUNTX COMMISSIONERS OF COLLIER COUNTY, PLORIDA By; C}1RTS HALL, CHAIRPERSON d,4iY i Prepared by: Michelle liubbo Collier County Coimnunity and Human Services 3339 E. Tamiamf Trail Naples, FL 34112 TINS SPACE FOR RECORDING SATISITACTION OTT A�IOI2TGAGE KNOW ALL MEN BY TIiESE PRESENTS; That COLLIER COUNTY, whoso post office address is 3299 E TAMIAMI TRAIL, NAPLES, ITLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Gene & Am) Lai to COLLIER COUNTY, dated 4/21/99 and recorded on /31 00 is Official Records Book 2704 Page 2693 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $6,636.00 of SHIP fiords and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgago. COLLIER COUNTY hereby ackuowladgas satisfaction of said Mortgage, and surrenders the same as oancelled, and hereby directs the Clerk of said Circuit Coart to cancel the same of record, This Satisfaction of Mortgage was approved by the Boarci of County Couunissioners on 2024, Agenda Real Number ATTEST: CRYSTAL IC, ICIN7,F,1.,, CLERIC By: DEPUTY CLERIC Approval for form and legality; llEItEIC D, PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA sy: CI -IRIS HALL, CHAIRPERSON Prepared by: Michelle [i11 0 Collier County Contmanity and Human Services 3339 E. Tamianil Trail Naples, FL 34112 THIS SPACE FOR RECORDING SAT1SSrA,CTION OT' MORTGAGE KNOW ALL MEN BY TI]ESE PRESENTS; That COLLIER COUNTY, whose post off ce address is 3299 E TAMIAIVII TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Angela Dorit_v to COLLIER COUNTY, dated 4/18/00 and recorded oa 9/21/00 !a Official Records Book 2724 Page 1427 of the Public Records of Collier County, Florida, having met the afforditbilityhousing obligation associated with the 'IS 000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon (lie property described in the aforemeatioued mortgage• COLLIER COUNTY hereby acknowledges satisfaoliou of said Mortgage, and surrenders the same as oaucelled, and hereby directs the Clerk of said Ciroult Court to cancel the same of record, This Satisfaction of Mortgage was approved Uy the Boaril of County Commissioners on 2024, Agenda Item Number ATTEST: CRYSTAL IC. KIN/EL, CLERIC By: DEPUTY CLERIC Approval for Form and legality; DEREK D, PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CIIRIS kiAL L, CHAIRPERSON Prepared Uy: MIcheile ROW Collier County Community and Haman Services 3339 E. Tanilanil Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATTSI'ACTION OP MORTGAGT KNOW ALL MEN BY THESE PRESENTS; 'that COLLITR C,OIJNTY, whose post office address is 3299 L TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owners) and holder(s) of a certain Mortgage executed by Mae Joyce German to COLLIER COUNTY, dated 5/22/00 and recorded on 9/_ 21100 iu Official Records Book 2724 Page 1424 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $15,000,00 of SHIP fiaids and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and sur•reuders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satlsfactiou of Mortgago was approved Uy the Board of County Conuuissiouers on 2024, Agenda Item Number ATTEST: CRYSTAL IZ, IQNZEL, CLERIC DEPUTY CLBRI� Approval for fot•m and legality: DEREICD, PERRY ASSISTANT COUNTY ATTORNEY BQARD OP COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORJDA By; CHRIS HALL, CHAIRI'ERSQN Prepared by: Michelle Rubbo Collier County Conuaunlly and Huamn Servlces 3339 E, Tamianil Troll Naples, FL 34112 THIS SPACE FOR RECORDING SATISI�'ACTION OIr IVIORTGAGE KNOW ALL MEN BY THESE PRESENTS; That COLLIER COUNTX, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and bolder(s) of a certain Mortgage executed by Gail Paxson to COLLIER COUNTY, dated 5/4/01 and recorded on 6/13/01 in Official Records Book 2341 Page 1130 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $15,000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfaction of Mortgage was approved by the Board of County Conuuissiouers ou 2024, Agenda Item Number ATTEST; CRYSTAL IC. KINZEL, CLERIC DEPUTY CLERIC Approval for form and legality: DEREIC D, PERRY ASSISTANT COUNTY ATTORNEY BOARb OF COUNTY COMMISSIONERS OF COLLIER COUNTY, PLORIDA By: CHRIS HALL, CHAIRPERSON Preparcdby: MICIICIICRaOUG Collier County Community and Human Services 3339 E, Tamiami Trail Naules. FL 34112 SATISI+ACTTON Orr M022TGAG>a THIS SPACE t%OR RECORDING KNOW ALL MEN BY TiIESE PRESENTS:' Tbnt COLLIGlt COUNTX, whose post office address is 3299 E TAMIAMI 'TRAIL, NAMES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Juanita Lopez to COLLIER COUNTY, dated 10/17/01 and recorded on I1 7/01 in Official Records Book 2921 Page 0466 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $15,000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfaction of Mortgage was approved by the Doard of County Conunissioners cu 2024, Agenda Item Number ATTEST; CRYSTAL K, KINZEL, CLERK By; DEPUTY CLERIC Approval for form and legality: DEREIC D. PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTX GOMMISSIONERS OF COLLIER COUNTY, FLORIDA By; CI -IRIS HALL, CHAIRPERSON Prepared Uy; MIC1,0Il0 R11 0 Collier County Cornmunity and Human Services 3339 E. Tamianrl Trall Naples, PL 34112 THIS SPACE FOR RECORDING SATISFACTION OF 1ViOR'I'(GAGI; I{NOW ALL MEN BY THESE PRESENTS: That COLLIT;R COUNTX, whose post office address is 3299 B TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owacr(s) and holder(s) of a certain Mortgage executed by Irene Ortiz to COLLIER COUNTY, dated G 7/Ol and recorded on 6115101 in Official Records Book 2843 Page 1731 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $15,000.00 of S141P fonds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby aclotowledges satisfaction of said Mortgage, and surrenders the same as cnncelled, and hereby directs the Clerk of said Circuit Court to cancel the saute of record. This Satisfaction of Mortgage was approved by tho Board of County Commissioners on 2024, Agenda Item Number ATTEST: CRYSTALI{,KINZEL,CLERK DEPUTX CLERI{ Approval for form and legality; DEREK D, PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTX COMMISSIONERS OP COLLIER COUNTY, BLORIDA By: CHRIS HALL, CHAIRPERSON Prepared by; Michelle Rubbo Collier County Community and Human Services 3339 E. Tamland Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION OTt 1VIOI2'I'GAGL+'+' KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORMA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Belly Tllgmas to COLLIER COUNTY, dated 4/20/01 and recorded on 6/13/01 is Official Records Book 2841 Page 3300 of the Public Records of Collier County, Florida, having met the affordabilityhousing obligation associated with the 15 000.00 of SHIP funds and certain promises and obligations set forth M said Mortgage, upon the property described in the aforementioned mortgage• COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancolled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, 'ibis Satisfaction of Mortgage was approved by the Board of County Commissioners on 2024, Agenda Item Number ATTEST; CRYSTAL IC. KINZEL, CLERIC DEPUTY CLERIC Approval for form and legality: DEREK D.PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: HALL, CHAIRPERSON Prepared by: idlehelleRubbo Coliter County Connnunity and Human Services 3339 H, Tamia al Trnil Naples, FL 34112 THIS SPACE FOR RECORDING SATISI�'ACTION OP MORTGAGE IINOW ALL MEN BX THESE PRESENTS; That CQLI,IER COUNTY, whose post office address is 3299 E TAMIAMI WtAffir NAPLE'S, FLORMA 34112, the owner(s) and holdor(s) of a certain Mortgage executed by Mary Williams to COLLIER COUNTY, dated 4/27/01 and recorded on 6/13/01 in Official Records Book 2841 Page 1145 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the 15 000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by the Boatel of County Commissioners on 2024, Agenda Itom Number ATTES'P; CRYSTAL IC• ICINZEL, CLIIRIC By; DEPUTY CLERIC Approval for form and logality: DEREIC D• PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, PLORIDA By; CHRIS HALL, CIIAIRPERSON Prepared by: Mlcbetle Rub Collier County Canmmilty and Huntnn Services 3339 E. Tanilanil Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATIST'ACT10N O� MORTGAGE KNOW ALL MEN BY THESE PRESENTS; That COLLTI;R CpUNTX, whose post office address is 3299 D TAMIAMI TRAIL, NAPLES, TLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Dorothy Riley to COLLIER COUNTY, dated 3/14/01 and recorded oil 6/13/01 ill Official Records Book 2841 Page 1148 of the Public Records of Collier County, Florida, having met the affordabilityhousing obligation associated with the l S 000.00 of SHIP fiords and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgago, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. 'Citis Satisfaction of Mortgage was approved by the Board of County Conunissioners on 2024, Agenda Item Number ATTE51'; CRYSTAL IC, ICINZEL, CLERK By: DEPUTY CLERK Approval for form and legality; DEREIC D. PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By; CHRIS HALL, CHAIRPERSON Prepared by: Michelle Rubbo Collier Counly Community and Human Services 3339 B. Tamianil Trail Naples, PL 34112 TI-118 SPACE FOR RECORDING SATISFACTION OP MORTGAGE KNOW ALL MEN EY THESE PRESENTS; That COLLIER COUNTY, whose post office nddress is 3299 E TAIVIIANII TRAIL, NAPLES, IiLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Adam Sanchez Sr, & April Sanchez to COLLIER COUNTY, dated 5/18/01 and recorded on 6113/01 in Official Records Book 2841 Page 1121 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the 15 MOM of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and snrreuders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by the Board of County Commissioners op 2024, Agenda Item Number ATTEST; CRYSTAL I{. I{INZEL, CLERK By; llEPU'fY CLERK Approval for form and legality: BERET{ D. PERRY ASSISTANT COUNTY ATTORNEY BOARD OP COUNTY COMMISSIONERS OP COLLIER COUNTY, PLORIDA By: CHRIS PIALL, ChIAIRPERSON Prepm'ed by; Michelle Rnbbe Collier County Community and Homan Services 3339 E. Tamlami Trait Naples, FL 34112 SA7'ISPACTION OT MORTGAGR THIS SPACE FOR KNOW ALL MEN BY TIIESE PRESENTS; That COLLIiR COTINTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPL1 S, FLORIDA 34112, the owners) and holder(s) of a certain Mortgage executed by Olivia Gonzalez to COLLIER COUNTY, dated 4/3/02 and recorded on 4/9/02 in Official Records Book 301S Page 0880 of the Public Records of Collier Comity, Florida, having met the affordability housing obligation associated with the I 000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfxetiou of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mm•tgage was approved by the Board of County Conunissioners on 2024, Agenda Item Number A'I"TEST; CRYSTAL IC. KINZEL, CLERIC DEPUTY CLERIC Approval for form xnd legality: DEREIC D, PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, PLORIDA By: CHRIS HALL, CHAIRPERSON i „. Prepared by: MiOtto l(oRabbo COitier count}, Community and Human Services 3339 E. Tunilami Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF 1VIORTGAGF ICNOW ALL MEN BX THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Elius & Charitable Octavien to COLLIER COUNTY, dated 7/16/01 and recorded on 7/19/01 in Official Records Book 2862 Page 0376 of the Public Records of Collier County, Florida, (raving met the affordabilityhousing obligation associated with the , 3 300.00 of SHIP Ainds and certain promises and obligations set forth to said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mm•tgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by the Board of County Commissioners on 2024, Agenda Item Number ATTEST; CRYSTAL IC. KINZEL, CLERIC By; DEPUTY CLERI{ Approval for form and legallty: DERETC D, PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By; CIIRiS HALL, CHAIRPERSON Prepared by: Michelle Mauve Collier County Commanity and Human Services 3339 9, Tamiami Trail Nnples, FL 34112 SATISFACTION OP MOI2'I'GAGE 'PHIS SPACE POR KNOW ALL MEN BY THESE PRESENTS; That COLLIER COUNTXI whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage execated by Colianse Julien to COLLIER COUNTY, dated 7/14/01 and recorded on 7/19/01 in Official Records Book 2862 Page 0372 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the 13,300.00 of SHIP fiends and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTX hereby acknowledges satisfaotion of said Mortgage, and surrenders the same as cancelled, and hereby directs the Cleric of said Circuit Court to cancel the same of record, This SftfiSfaet1011 of Mortgage was approved by the Eoard of County Commissioners on 2024, Agenda Item Number ATTEST: CRYSTAL IC. ICINZEL, CLERIC By; DEPUTY CLERK Approval for form and legality; DEREK D, PERRY ASSISTANT COUNTY A'I"IORNEX BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By; CHRIS HALL, CHAIRPERSON Yrepnred by: Michelle RUhhO Collier County Community and Itumna Services 3339 F. Tamtuml Trall Naples, Fl, 34112 'PHIS SPACE FOR RECORDING SATISrACTION OP 1V10RTGAGE ICNOW ALL MEN BX TI-IESE PRESENTS; That COLLIER COUNTX, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Gladys Sown to COLLIER COUNTY, doted 4101 and recorded on 7/13/01 in Official Records Book 2858 Page 2944 of the Public Records of Collier County, Florido, having met the affordability housing obligation associated with the 3 300.00 of SHIP fiords and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTX hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfaction of Mortgage was approved by the Board of County Commissioners on 2024, Agenda Item Number ATTEST; CRYSTAL IC. ICINZEL, CLERIC DEPUTY CLERK Approval for form and legality; DEREIC D, PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CHI2TS BALL, CHAIRPERSON Prepared hy: Michelle Rit Collier County Community and Human Services 3339 E. Tamiaml Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISb'ACTION OI' MORTGAGI; ICNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Rene Ortiz & Norma Ortiz to COLLIER COUNTY, dated 1/31/01 and recorded on 7/13/01 in Official Records Book 2858 Page 2959 of the Public Records of Collier County, Florida, having met the affordabilityhousing obligation associated witli the 3 300,00 of SMP fiords and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIP,R COUNTX hereby acknowledges satisfaction of said Ma•(gaga, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfaction of Mm•tgage was approved by tha Board of County Conunissioners on 2024, Agenda Iten Number ATTEST: CRYSTAL IC. IC NZEL, CLERIC By: DEPUTY CLERK Approval for forur and legality: DEREK D, PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CHRIS HALL, CHAIRPERSON Prepared by: Michelle Rubbo Collier County Community and Human Sorvim 3339 &'I'amiami Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGI; ICNOW ALL MEN EY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAAU TRAIL, NAPLES, VLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Novelln Williams to COLLIER COUNTY, dated 7/27/01 and recorded on 8/14/01 in Official Records Book 2875 Page 1761 of the Public Records of Collier County, Florida, having met the affordabilityhousing obligation associated with the $15,000.00 of SHIP fiords and cortain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Ma•tgaga, sad surrenders tlra same as cancelled, slid hereby directs the Clerk of said Circuit Court to cancel the samo of record• 'Phis Satisfaction of Mortgage was approved by the Board of County Conunissianers on 2024, Agenda Item Number ATTEST; CRYSTAL K. KIN7.EL, CLERIC DEPUTY CLERIC Approval for form and legality; DEREKD• PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CHRIS IiALL, CITAIRPERSON {c,r Prepnrect by: Michelle Rubbo ColliesCounty Community nad Human Services 3339 B, Tandand Trail Naples, FL 34112 SATISI{ACTION OP MORTGAGE THIS SPACE FOR KNOW ALL MEN BY THESE PRESENTS; That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Shirle�egueroa to COLLIER COUNTY, dated 8/30/01 and recorded on 12/17/01 is Official Records Book 2945 Page 2492 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $15,000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaotion of said Mortgage, and surrenders the same as cancelled, and hereby directs the Cleric of said Circuit Court to cancel the same of record, This Satisfaction of Mortgage was approved by the Board of County Commissioners ou 2024, Agenda Item Number ATTEST: CRYSTAL I{, I{INZEL, CLERIC By; DEPUTY CLERIC Approval for form and legality; DEREIC D. PBRRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONBRS OF COLLIER COUNTY, FLORIDA By; CHRIS IiAI,I, CHAIRPERSON fAC). Prepared by; Michelle R 1 0 Collier Counly Convnunity and Hummn Sorvices 3339 E. Tandamt Trail Naples, FL 34112 TIES SPACE FOR RECORDING SATISI'ACT10N OI' MOIiTGAG>u KNOW AI,L MEN EX THESE PRESENTS: That COLLII R COiJNTY, wllosa post office address is 3299 I; TAMIA11M TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Offenita Bassette to COLLIER COUNTY, dated 8/24/01 Had recorded on 8 29f01 is Official Records Book2883 Pngo 3227 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $6,500.00 of SHIP fonds and certain promises Had obligations set forth is said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTX hereby acknowledges satisfaction of said Mortgage, and surrenders t(re same as cancelled, and hereby directs the Cleric of said Circuit Court to cancel the same of record, This Satisfaction of Mortgage was approved by the Board of County Conunissioaers oa 2024, Agenda Item Number ATTEST: CRYSTAL IC, ICINZEL, CLERIC DEPUTY CLERIC Approval for form and legality; DEREIC D, PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUN1`Y COMMISSIONERS OP COLLIER COUNTY, FLORIDA By: CHRIS HALL, CHAIRPERSON SAC; ['repared by; Michelle Rubbo Collier County Community and Human Services 3339 E. Tamiand Trall Naples, FL 34112 THIS SPACE FOR RECORDING SATISrACTION Or MORTGAGT; KNOW ALL MEN BY THESE PRESENTS; 'That COLLIER COUNTX, whose post office ncich•ess is 3299 E TAMIAMI TRAIL, NAPLES) FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Ramiro Garcia & Juana Garcia to COLLIER COUNTY, dated 8/8/01 and recorded on 8/14/01 in Official Records Book 2875 Page 1754 of the Public Records of Collier County, Florida, having met the affordability housing obligndou nssocinted with the $3,500,00 of SHIP funds and certain promises and obligations set fortli in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfactimt of said Mortgage, nut surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by the Board of County Conuuissioners o0 2024, Agenda Item Num ATTEST; CRYSTAL IC. KINZEL, CLERIC By: DEPUTY CLERIC Approval for form and logality; DEREIC D. PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTX COMMISSIONERS OF COLLIER COUNTY, PLORIDA CHRIS HALL, CHAIRPERSON y�, f Prepared by: Michelle Rubbo Colder County Community and Hamm Services 3339 E. Ta nlami Trull Nnples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGI; KNOW ALL MEN BY THESE PRESENTS; `1"bat COLLIIaR COUNTX, whese post office address is 3299 E TAMIAMI 'TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Aleance Charelus & Clermencia Mon"a to COLLIER COUNTY, dated 6/14/02 and recorded on 7116/02 in Official Records Book 3073 Page 0555 of the Public Records of Collier County, Florida, hnving met the affordabilityhousing obligation associated with the $15,000.00 of SHIP fundsand certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknotrdedges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfaction of Mortgage was approvod by the Board of County Commissioners on , 2024, Agenda Item Number ATTEST: BOARD OF COUNTY COMMISSIONERS CRYSTAL K. KINZEL, CLERK OF COLLIER COUNTY, FLORIDA By: ,DEPUTY CLERK Approval for form and legality; DEREIC D, FERRY ASSIS'fAN`1' COUNTY A'f1'ORNEY By; CHRIS HALL, CHAIRPERSON .q iFC�IC l Prepared by: Michelle Rubbo Collier County Coannuaity and Human Services 3339 P. Tamiarni Trail Naples, FL 34112 SATISFACTION Or MORTGAGE THIS SPACP I�OR LtBCORDING KNOW ALL MEN BY THESE PRESENTS; That COLLIER COIINTX, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by John M Gifford & Emma M Gifford to COLLIER COUNTY, dated 10/10/96 and recorded on 10 16/96 in Official Records Book 2239 Page 2401 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $2,SOO.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the saute as cancelled, and hereby directs the Cleric of said Circuit Court to cancel the same of record, Phis Satisfaction of Mortgage was apin•oved by the IIoard of County Conunissionees on 2024, Agenda Item Nuutber_ ATTEST: CRYSTAL K. ICINZEL, CLERIC DEPUTY CLERIC Approval for form and legality: DEREIC D. PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CHRIS HALL, CHAIRPERSON Prepared by; MlcheilcRubbo Collier County Community nud Human Services 3339 R. Tamiami Trall Naples, FL 34112 TJ US SPACE FOR RECORDING SATISrACTION OT' MORTGAGl; KNOW ALL MBN BY THESE PRESENTS; Tltat COLLI> R COUNTY, whose Posl office address is 3299 E TAMIAMI TRAIL, NAPLES, MjORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Armando Nieto & Norma Nielo to COLLIER COUNTY, dated 10 31/01 and recorded o0 11/13 01 it) Official Records Book 2923 Page 1876 of the Public Records of Collier County, Florida, having niettbe affordabilityhousing obligation associated with the $15,000 00 of SIlIP funds and certain promises slid obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the saute of record, Tttis Satisfaction of Mortgage was approved by the Board of County Commissioners on 2024, Agenda Item Number ATTEST: CRYSTAL K• ICINZEL, CLERK .DEPUTY CLERK Approval for form slid legality; DEREIC b, PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CHI21S HALL, CHAIRPERSON Prepared by: Michelle KUM Collier Counly Community and Human Services 3339 E• •ranrimni Trail Naples, Fl, 34112 THIS SPACE FOR RECORDING SATISrACTION OP MORTGAGE KNOW ALL MEN BY THESB PRESENTS; That COLLIER COUNTY, whose post office address is 3299 R TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Alicia Avalos to COLLIER COUNTY, dated 4/3/02 and recorded on 4/19/02 in Official Records Book 3022 Page 1789 of the Public Records of Collier County, Florida, having mot the affordabilityDousing obligation associated with the $15,000.00 of SHIP fiords and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Ma'tgage, and surrenders the same as cancelled, and hereby directs lire Clerk of said Circuit Court to cancel the same of record• This Satisfaction of Mortgage was approved by the Board of County Commissiaxers on 2024, Agenda Item Number ATTEST: CRYSTAL IC, KINZEL, CLERIC By; DEPUTY CLERIC Approval fa' form and legality: DF;REK D. PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONF,RS OF COLLIER COUNTY, FLORIDA By; CHRIS HALL, CHAIRPBRSON Prepared by: Michelle [tuUbo Collier County Community and Human Services 3339 E. Tan4ami Tmil Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION Or MORTGAG>; KNOW ALL MEN BY TIIBSE PRESENTS; 'That COLLIER COUNTX, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owncr(s) and holder(s) of a certain Mor4gage executed by Maria Ortiz to COLLIER COUNTY, dated 5/22/02 and recorded on 8116/02 in Official Records Book 3092 Page 0261 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $15,000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clork of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by the Boau•d of County Commissioners on 2024, Agenda Item Number ATTEST: CRYSTAL K, ICINZEL, CLERIC By; DEPUTY CLERIC Approval for form and legality: DEREtC D. PERRY ASSISTANT COUNTY ATT'OI2NEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, PLORIDA By: CHRIS HALL, CHACRPERSON Propared by: Michelle Rubho Collier County Community and Human Services 3339 E. Tominmi Trall Nantes. FL 34112 SATISFACTION OF MOI2TGAG)✓ THIS SPACE FOR RECORDING KNOW ALL MBN BY THESE PRESENTS; That COLLIER COIINTY, Gvhose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLOR1DA 34112, the owner(s) and holder(s) of a certai❑ Mortgage executed by Amalie Blanco AKA Amilio Blanco & Yolanda Blanco to COLLIER COUNTY, dated 3/20/02 and recorded on 4/I/02 in Official Records Book 3009 Page 0716 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $15,000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the sama as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfaction of Mortgage was approval by the Board of County Commissioners ou 2024, Agenda Item Number ATTEST; BOARD OF COUNTY COMMISSIONERS CRYSTAL K, ICINZEL, CLERIC OF COLLIER COUNTY, FLORIDA By; By: DBPUTY CLETtIC Approval for form and legality: DEREIC D. PERRX ASSISTANT COUNTY ATTORNEY CHRIS HALL, CHAIRPERSON Prepared by: Michelle Rubbo Collier County Community and Human Services 3339 E.'paminmi'I'rail Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION Or MORTGAGE KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, ILORIDA 34112, the owner(s) and holder(s) of it certain Mortgage executed by Pablo & Maria Nayarrete to COLLIER COUNTY, dated 4/3/02 and recorded on 4/9/02 in Official Records Book 3015 Page 0883 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $M000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfactiot of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by the Board of County Commissioners on 2024, Agenda Item Number ATTEST: CRYSTAL K, ICINZEL, CLERIC By: DEPUTY CLERK Approval for form and legality; DEREK D, PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By; CHRIS BALL, CHAIRPERSON Prepared by; Michelle Rit Collier County Continually and Human Services 3339 R. Tamiand Trail Naples, FL 34112 T14I8 SPACE FOR RECORDING SATISrACTION OF' MORTGAGE KNOW ALL MEN BY TIIESE PRESENTS: Thai COLLIER COUNTX, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Dollie Mae Williams to COLLIER COUNTY, dated 4/3/02 and recorded on 4i9/02 is Official Recoils Book 3015 Page 0738 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $15,000.00 of SHIP foods and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage• COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, coil surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfactiwr of Mortgage was approved by the Board of County Conunissiarers on 2024, Agenda Item Number ATTEST; CRYSTAL I{.1{INZEL, CLERK By: DEPUTY CLERK Approval for form coil legality: DEREI{ D, PERRY ASSISTANT` COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CIIRIS I -TALL, CI-IAIRPERSON Yreparedby: McheliaRubbo Collier County Community and ICuman Services 3339 B. Tanilami nau Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY TIIESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) sad holder(s) of a certain Mortgage executed by Guadalupe S Ouintanilla to COLLIER COUNTY, dated 5/10/02 and recorded on 6/11/02 in Official Records Book 3053 Pago 0583 of the Public Records of Collier County, Florida, having net the affordability housing obligation associated with the $15,000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in tine aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancel led, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfaction of Mortgage was approved by the Eoard of County Commissioners on 2024, Agenda Item Number ATTEST'; CRYSTAL K, KINZEL, CLERK DEPUTY CLERI{ Approval for form and legality: DEREK D.PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLI,IF.R COUNTY, PLORIDA By: CHRIS HALL, CHAIRPERSON Prepared by: Michelle Rubba Collier County Community and Human Services 3339 E. Tamiami Trail Naples, PL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGT; KNOW ALL MEN BY THESE PRESENTS; That COLLICR COUNTY, whose post office address is 3299 F TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owaer(s) and holders) of a certain Mortgage executed by Silverio Ramirez & Josefina AICA Josnefina Ramirez to COLLIER COUNTY, dated 6/28/02 and recorded on 8/13/02 in Official Records Book 3090 Page 0065 of the Public Records of Collier County, Florida, baving met the affordability housing obligation associated with the $15,000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to caucol the sauce of record. This Satisfaction of Mortgage was approved by the Bom•d of County Commissioners on 2024, Agenda Item Nuro ATTEST; CRYSTAL IC. ICIlVZEL, CLERIC By: DEPUTY CLERIC Approval for Form and legality; DEREK D,PERRX ASSISTANT COUNTY ATTORNEY BOARD OF COUNTX COMMISSIONERS OP COLLIER COUNTY, PLORIDA By: CHRIS HALL, CHAIRPERSON Prepared by; Michelle I it Collier County Community and Human Services 3339 E. Tamlanil Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGT'; KNOW ALL MEN BY THESE PRESENTS: That COLLI>✓R COUNTY, whose post office address is 3299 F TAMIAMI TRAIL, NAPLE S, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Evelyn Routeus to COLLIER COUNTY, dated 6/20/02 and recorded on 8/2/02 in Official Records Book 3083 Page 2512 of the Public Records of Collier County, Florida, having atet the affordability housing obligation associated with the $154000.00 of SHIP funds and contain promises and obligations sat forth in said Mortgage, upon the property described in the aforementioned mortgage• COLLIER COUNTY hereby acknowledges satisfactioa of said Mortgage, and surrenders the saute as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfaction of Mortgage was approved by the Board of County Commissioners on 2024, Agenda Item Number ATTEST; CRYSTAL K, ICINZEL, CLERI{ DEPUTY CLERI{ Approval for form and legality: DEREK D.PERRY ASSISTANT COiJNTY ATTORNEY BOARD OP COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By; CIIRIS HALL, CHAIRPERSON Prepared by, Michelle Lubbo Collier County Coannamity and Human Services 3339 E. Tamlanil Trail Naelm FL 34112 SATISI+ACTION OP MOR1'GAGI; THIS SPACE FOR RECORDING KNOW ALL MEN BY THESE PRESENTS; That COLLIRR COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLMf FLORIDA 341125 the owner(s) and holder(s) of a certain Mortgage executed by Sharon Weeks to COLLIER COUNTY, dated 7/29102 and recorded on 8/6/02 in Official Records Book 3085 Page 2278 of the Public Records of Collier County, Florida, having met the affordability liousing obligation associated with the $15,000 00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the scone as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by the Board of County Commissioners on 2024, Agenda Item Number ATTEST: CRYSTAL IC, ICINZEL, CLERK DEI'U'1'Y CLERIC Approval for form and legnlity: DEREK D,PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CIIRIS HALL, CHAIRPERSON Prepared by: MichefleRubbo Collier County Community and Humno Services 3339 E. Tamlanil Trall Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION OT' MORTGAG>; KNOW ALL MEN BY TI3ESE PRESENTS: That COLLIh;R COUNTY, whose post office address is 3299 R TAMIAMI TRAIL, NAPLIIS, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Jose Martinez and Sanaida Martines AKA Sanaida Martinez to COLLIER COUNTY, dated 8/27/02 and recorded on 9/24/02 in Official Records Book 3115 Page 2420 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $15,000.00 of SI-TIP funds and certain promises and obligations set forth in said Mortgage, t1pmr the property described in the aforementioned mortgage, GOLLtER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrendw•s the same as cancelled, and bereby directs the Clerk of said Circuit Court to cancel the same of record, T11is Satisfaction of Mortgage was approved by the Board of County Commissioners on 2024, Agenda Item Number ATTEST; CRYSTAL IC. ICINZEL, CLERIC DEPUTY CLERK Approval for form and legality: DEREIC D. PERRY ASSISTANT' COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CkIRIS HALL, CHAIRPERSON ' �YG�IC)al Prepared by: Mi01ell0RIt 0 Coliler County Community and Hunan Services 3339 & Tmnlaml Trail Naples, FL 34112 THIS SPACE FOR RECORDING sATISFACTzoly or miolzTcacic KNOW ALL MEN BY'fHESE PRESENTS: That COLLIPR COUNTY, whose post office address is 3299 F TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Jose and Maria Matamoros to COLLIER COUNTY, dated 9/17/02 and recorded oil 9/24/02 in Official Records Book 3115 Page 2417 of the Public Records of Collier County, Florida, having net the affordability housing obligation associated with the $15,000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel (lie same of record, This Satisfaction of Ma•tgage was approved by the Board of County Commissioners oa 2024, Agenda Item Number ATTEST: CRYSTAL IC. ICINZEL1 CLERIC DEPUTY CLERIC Approval for form and legality: DEREK D. PERRY ASSISTANT COUNTY ATTORNEX BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CHRIS HALL, CHAIRPERSON Prepared by: Michelle Rubbo Collier Coungr Community and human Services 3339 E. Tominail Trail Naples, FL 34112 THIS SPACE FOR RECORDING, SATISI+ACTION OT' MORTGAGIJ KNOW ALL MEN BY THESE PRESENT'S: 'fhat COLLIER COUN'I'Y, whose post oflice address is 3299 E TAMIAMI TRAIL, NAPLES, ]MORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Felix Gonzalez to COLLIER COUNTY, dated 8/19/02 and recorded oar /23/02 in Official Records Book 3096 Page 1010 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $15,000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders ttte same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfaction of Mortgage was approved by the Board of County Commissioners ou 2024, Agenda Item Number ATTF,ST: CRYSTAL K, ICINZEL, CLF.,RCC DEPUTY CLERIC Approval for form and legality: DEREIC D, PERRY ASSISTANT COUN"fY ATTORNEY BOARD OP COUNTY COMMISSIONERS OP COLLIER COUNTY, FLORCDA By: CHRIS HALL, CHAIRPERSON Prepared by; Michelle Rubbo Collier County Community and Human Services 3339 E. Tamiami Trall Naples, FL 34112 SATISI'ACTION OP MORTGAGI: THIS SPACE KNOW ALL MEN BY THESE PRESENTS: Thet COLLIER COUN'i'Y, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and hotder(s) of a certain Mortgage executed by Raul Diaz Sr & Alicia Diaz to COLLIER COUNTY, dated 10/9/02 and recorded on 10/ 7/02 in Official Records Book 3133 Page 1527 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the I5 000,00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage• COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Cleric of said Circuit Court to cancel the same of record, This SfttiSf8ct1011 of Mortgage was approved by the Board of County Commissioners on 2024, Agenda Item Number ATTEST: CRYSTAL I{, KINZEL, CLERIC By: DEPUTY CLERK Approval forform and legality; DEREIC D• PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By; CI -IRIS HALL, CHAIRPERSON I'reparedby: MlchelleRubb0 Collier County Comnamily and Human Services 3339 E. Tnmianii Trait Nuales, FL 34112 SATISI'ACTION OF MORTGAGIl THIS SPACB FOR RRCORDING ICNOW ALL MEN BY THESE PRESENTS: That COLLI) R COIJN'FX, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owiier(s) and holder(s) of a certain Mortgage executed by Elieoeia• & Cieonce Pharisien to COLLIER COUNTY, dated 10/1/02 and recorded ou tO/7/02 in Official Records Book 3125 Page 1232 of the Public Records of Collier County, Florida, having met (lie affordability housing obligiition associated with the $15,000.00 of SHIP funds and certain promises mud obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage• COLLIER COUNTY hereby acknowledges satisfaction of smid Mortgage, and surrenders the same as cancelled, and hereby directs the Cleric of said Circuit Court to cancel the same of record• This Satisfaction of Mortgage was approved by t(te Bomd of County Counnissiouers on 2024, Agenda Item Number ATTEST; CRYSTAL IC. KIiVZEL, CLERK By: DEPUTY CLBRiC Approval for font and legality: DEREIC D• PERRY ASSISTANT COUNTY ATTORNEY EOARD OF CO[INTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By; CHRIS HALL, CHAIRPERSON Prepared by: Michelle Rubbo Collier County Cmmaunity and Human Services 3339 L'. Tamiami Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISR'ACTION OP MOR'I'GAG>; KNOW ALL MEN EY THESE PRESENTS: That COLLIER COIiNTYI whose post office address is 3299 E TAMIAMI TRAIL, NAPL1 S, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Sylvia Estrada to COLLIER COUNTY, dated 8/30/02 slid recorded oil 9/5/02 in Official Records Book 31,03 Page 1050 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $15,000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by tha Board of County Commissioners on 2024, Agenda Item Number A'I"PEST; CRYSTAL K, KINZEL, CLERI{ By; DEPUTY CLERIC Approval for form and legallry; DEREK D. PERRY ASSISTANT COUNTY Al"PORNEY BOARD OIL COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CI -IRIS HALL, CHAIRPERSON C,r7CJ � Prepared by: MichelleRubbo Collier Caunly Community aad Human Services 333913, Twulaml Trail Naples, PI, 34112 THIS SPACE FOR RECORDING SATTSI'ACT10N OP MORTGAGE ICNOW ALL MEN BY THESE P1tESEN1'S; That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain MoAgago executed by Teresa Stockoer to COLLIER COUNTY, dated 8/28/00 and recorded on 6/18/01 in Official Records Book 284_ Pago 1166 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $3,300.00 of SHIP fiords and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Salis£actiou of Ma•tgage was approved Uy the Board of County Couunissiouers ou 2024, Agenda Item Number ATTEST: CRYSTAL K. ICINZEL, CLERK DEPUTY CLERIC Approval for form and legality: DEI2EIC D. PERRY ASSISTANT' COUNTY ATTORNEY EOARD OP COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By; CHRIS HALL, CHAIRPERSON �Jf Prepared by; Michelle Bubbo Collier County Community and Haman Services 3339 E. Tnminnd Trail Naples, FL 34112 THIS SPACE FOR RECORDING sATzsracTzoN or tvroRTcnc>; KNOW ALL MEN BY THESE PRESENTS: Thai COLLIER COUNTY, whose post office address Is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a cortain Mortgage executed by Francisco Nuncz to COLLIER COUNTY, dated 10/1/02 and recorded on 10/7/02 in Official Records Book 3125 Page 1235 of the Public Records of Collier County, Florida, having mot the nffordability housing obligation associated with the $15,000 00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described is the aforementioned mortgage• COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same ns cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by the Board of Couary Conunissioners oa 2024, Agenda Item Number ATTEST; CRYSTAL IC. KINZEL, CLERK By; DEPUTY CLERIC Approval for form and legality: DEREK D•PERRY ASSIS'PANT COUNTY ATTORNEY BOARb OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CHRIS HALL, CHAIRPERSON Prepared by: Mlelle le Rnbbo Collier Co udy Community and Human Services 3339 E. Tonrltani Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISI� ACTION OI' MORTGAGE KNOW ALL MEN BY TFIESE PRESENT'S; That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Alfiree Jackson to COLLIER COUNTY, dated 9/9 02 and recorded oil 9/13/02 in Official Records Book 3110 Page 1950 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $15,000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, end surt•enders the scone ns cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfaction of Mortgnge was approved by the Board of County Commissioners on 2024, Agenda Item Number ATTEST; CRYSTAL IC. ICINZE CLERK DEPUTY CLERIC Approval for form and legality: DEREK D, PERRY ASSISTANT COUNTY ATTORNEY. BOARD OF COUNTY COMMISSIONBRS OF COLLIER COUNTY, FLORIDA By: CHRIS I -TALL, CHAIRPERSON Yrepnred by: tvlichellc Rnbho Collier County Community and Humna Services 3339 E. Taminad Troll Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF 1VIOI2TGAGP; I{NOW AI,L MEN BY TI�SE PRESENTS: That COLLIER COIINTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLI;S, FLORiDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Isaac & Elizabeth Doonis to COLLIER COUNTY, dated 4/20/01 and recorded on 6/13/01 in Official Records Book 2841 Page 1139 of the Public Records of Collier County, Florida, having not the affordability housing obligation associated with the $15,000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described In the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaotion of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfaction of Mortgage was approved by the Board of County Commissioners on 2024, Agenda Item Number ATTEST: CRXSTAL K, IUNZEL, CLERK By; DEPUTX CLERK Approval for fmm and legality; DEREK D, PERRY ASSISTANT COUNTX ATTORNEY BOARD Or COUNTY COMMISSIONERS OP COLLIER COUNTY, FLORIDA Ey: CHRIS T-TALL, CIIAIRPERSON Prepared by: MIe6e11eRubbo Coliter County Community and Human Services 3339 E. Tflndand Trail Naples, PL 34112 TI-I18 SPACE FOR RECORDING SATISI+ACTION O�' N10RTGAG); KNOW ALL MEN BX THESE PRESENTS: Tltat COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLOMA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Teresa Stockuer to COLLIER COUNTY, dated 1/25/07 and recorded on 1/26/07 in Of vial Records Book 4174 Page 3135 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the I5 000.00 of SHIP fiords and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to oancel the same of record. This Satisfaction of Mortgage was approved Uy the Board of County Commissioners ou 2024, Agenda Item Number ATTEST: CRYSTAL IC, ICINZEL, CLERIC By; DEPUTY CLERIC Approval for form and legality; DEREIC D, PBRRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: C[-IRIS IIAI,L, CHAIRPERSON Prepared by: Michelle Rubbo Collier County Community and Human Services 3339 E. Tamiami Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION Or MORTGAGE KNOW ALL MBN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIA II TRAIL, MAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Maria Rodriguez to COLLIER COUNTY, dated 8/7/02 and recorded on 8/23/02 in Official Records Book 3096 Page 1007 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $15,000.00 of SHIP funds and certain promises and obligations set forth iu said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by lire Board of County Conunissiouers at 2024, Agenda Item Number ATTEST: CRYSTAL I{, KINZEL, CLERI{ DEPUTY CLE12I{ Approval for form and legality; DERBK D. PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTX, FLORCDA By: CHRIS BALL, CHAIRPERSON Prepared by: Michelle Rubbo Collier County Comrount(y and Human Services 3339 K Taminmi Trall Naples, PL 34112 THIS SPACE FOR RECORDING SA`I'ISPACTION OIr tVIOR'I'GAGT; KNOW ALL MEN BY THESE PRESENTS; That COLLIER COIiNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, kLORIDA 34112, the owners) and holder(s) of a certain Mortgage executed by Patricia Lane to COLLIER COUNTY, dated 7/18/02 and recorded on 8/20/02 in Official Records Book 3093 Page 2988 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the $15,000.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by the Board of County Commissioners on 2024, Agenda Item Number ATTEST; CRYSTAL IC. ICINZEL, CLERK DEPUTY CLERIC Approval fm•form and Legality: DEREIC D, PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By; CIIRIS HALL, CHAIRPERSON Prepared by: Michelle Rum C011101• County Community and Human Services 3339 B. Tamionrl Trall Naples, FL 341 t2 THIS SPACE FOR RECORDING snrzsracTzoly ol� �zoRTCACE KNOW ALL MEN BY TI3F.,SE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TANIIAAH TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Armando & Agustina Maldouad0 to COLLIER COUNTY, dated NZN/ and recorded on 8/23/02 in Official Records Book 3096 Page 1013 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the 1S 000,00 of SHIP fiords and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaction of said Matgage, and surrenders the same as cancelled, and horoby directs the Clerk of said Circuit Court to cancel the same of record, Tlris Satisfaction of Mortgage was approved by the Board of County Commissioners on 2024, Agenda Item Nu ATTEST: CRYSTAL K. ICINZEL, CLERK By; DEPUTY CLERIC Approval for fa•ur and legality; DEREK D. PBRRY ASSISTANT COUNTY ATTORNEY BQARD qP COUNTX COMMISSIONERS OF COLLIER COUNTY, PLORIDA By: CHRIS HAIL, CHAIRPERSON Prepared 6y: Miehelle Rat)bm Collier County Community and Humnn Services 3339 H. Tomlaml Trail Naples, FL 34112 Films SPACE FOR RECORDING SATISIrACTION OP MORTGAGE I{NOW ALL MEN BY THESE PRESENTS; That COLLICR COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLRS, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage mouted by Therese Joseph to COLLIER COUNTY, dated 4/6/O1 and recorded on 7/13/01 in )Moial Records Book 2858 Page 2950 of the Public Records of Collier County, Florida, having met the affordability housing obligation associated with the V,300.00 of SIIIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrcuders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfaction of Mortgage was approved by the Board of County Conunissiouers on 2024, Agenda Item Number ATTEST; CRYSTAL K. KINZEL, CLERIC By; DEPUTY CLERIC Apparoval for fottn and legality: DEREK D, PERRY ASSISTANT COiJNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: CIII2IS HALL, CHAIRPERSON Yrepared by: Michelle RUbbo Collier County Community and Haman Services 3339 E. Tamiami Trall Naples, PL 341 l2 THIS SPACE FOR RECORDING SAT1SrACTTON 01+ 1V10RTGAG>✓ KNOW ALL MEN BY THESE PRESENTS; That COLLIER COUNTY, whose post office address is 3299 G TAMIAMI TRAIL_,, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Andrea Cordero to COLLIER COUNTY, dated 2/11 /02 and recorded on 2/13/02 in Official Records Book 2980 Page 3331 of the Public Records of Collier County, Florida, having nnet the affordability housing obligation associated with the $15,000.00 of SHIP fonds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage, COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfaction of Mortgage was approved by the Board of County Commissionen•s on 2024, Agenda Item Number A'I"fEST: CRYSTAL K. ICEVZEL, CLERK By; DEPUTY CLERIC Approval for form and legality; DBRP,IC D. PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By; CHRIS HALL, CHAIRPERSON Prepared by: MICItCIIeRubbo Collier Couuly Community and Human Services 3339 K Tamiami Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISI+ACTION Or MORTGAGE ICNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 L TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Ester Bustos AICA Ester Butos to COLLIER COUNTY, dated 6119101 and recorded on 7/23/01 in Official Records Book 2864 Page 0918 of the Public Records of Collier County, Florida, liaviug met tho affordability housing obligation ossociatecl With the . 3 300.00 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of record, This Satisfaction of Mortgage was approved by the Board of County Conunissioners on 2024, Agenda Itom Number ATTEST: CRYSTAL IC. ICINZEL, CLERIC DEPUTY CLERIC Approvnl for form and legality: DEREIC D. PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OP COLLIER COUNTY, FLORIDA By; CIIRIS I -TALL, CHAIRPERSON Prepared by; Michelle Rubbo Collier County Community and Human Services 3339 u. Tnndanil Trail Naples, FL 34112 SATISFACTION OF MORTGA.GR THIS SPACE I{NOW ALL MEN 13Y THESB PRBSENTS: That COT,LT>;R COTINTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLFS, FLORIDA 34112, the owners) and bolder(s) of a certain Mortgage executed by Vern Henderson to COLLIER COUNTY, dated 8/22/01 and recorded on 8/23/01 in Official Records Book 2880 Page 252 of the Public Records of Collier County, Florida, having met the affordabilityhousing obligatiai associated with the 1S 000.0 of SHIP funds and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY ]rereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circttlt Court to cancel the same of record, This Satisfactimr of Mortgage was approved by the Board of County Commissioners on 2024, Agenda Item Number ATTEST; CRXSTAL I{• I{1TIZEL, CLERK. DEPUTY CLBRI{ Approval for form and legality: DEREI{ D• PERRY ASSISTANT COUNTY ATTORNEY BOARD OF COUNTY COMMISSIONERS OP COLLIER COUNTX, FLORIDA By; CHRIS HALL, CHAIRPERSON 1� SECOND MORTGAGE OBLO Rein: 4229527 OR: 4405 PG: 4003 RSC Pill 2'0227.00 UNITY TITLE a ESCROW RECORDED in the OFFICIAL RECORDS of COLLIER COUNTY, PL DOC-,3S 04.00 12323 SW SSTB ST 11002 11/06/2008 at 12:12PN DWIGHT E. BROCK, CIRRI COOPER CITY PL 33330 THIS SECOND MORTGAGE ("Security Instrument") is given on , 2008. The Second Mortgagor is: Maria Rivera, a single woman ("Borrower'). This Security Instrument Is given to Collier County ("Lender'), which is organized and existing under the laws of the United Stales of America, and whose address is 3301 S. Tamiami Trail, Naples, Florida 34112 . Borrower owes Lender the sum of Twenty Four Thousand and 00/100 Dollars ($24 000.00). This debt isevidenmul by Borrowers Note dated the same date as this Security Instrument ("Second Mortgage*% which provides for monthly payments, with the full debt, if not paid earlier, due and payable on sale of property, refinance or lose of homestead exereption . This Security Instrument secures to Lender, (a) the repayment of the debt evidenced by the Note, with Interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with Interest advanced under paragraph 7 to protect the security of the Security Instumenl; and (a) the pere"pnce of Borrowers covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second'in. , gage, grant and convey to Lender the following described property located in Collier County, Florida. As more padlalady described a, jot6;.,Blk 19, Golden Gate, Unit 2, Colder County, Florida and which has the address of: ("Property Address"): 1, �(2194/46`6 Street SH, Naples FL 39116 TOGETHER WITH all the ImproV of is now or hereafter erected on the property, and all easements, rights, appurtenances. rents, royalties, mineral, oil and gas rights ad'Q "ofils, water rights and stock and all fixtures now or hereafter a pad of the property. All replacements and additions shall also be covered by the Som tyI s BORROWER COVENANTS Nab@bfrotmment. All of the foregoing is referred to In this Security Instrument as the "Property". ;yer 1M.211y seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property Is4nenc'mbered, except for encumbrances of record. Borrower warrants and will defend generally the line to the Property against all claims and de nds, subject to any encumbrances of record. THIS SECURITY INSTRUMENT comb m unit covenants for national use and non -uniform covenants with limited variation by jurisdiction to consUlute a uniform security insimment�oyveri g real property. UNIFORM COVENANTS . Borrower and 6eAdgqrvaganl and agree as follows: 1. Payment of Principal and Interest; Prebayniertt;a�d Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note. 2. Taxes. The Mortgagor will pay all taxes, ass@sntXl�wer rents or water rates prior to the accrual of any penal0es or interest thereon.'..<. The Mortgagor shall pay or cause to be paid, as the'sa .felpgclively become due, (A)(1) all taxes and governmental charges of any kind whatsoever which may at any time be lawfully assessed odA ied,a2 AEst or with respect to the Property, (2) all utility and other charges, Including "service charges", incurred or imposed for the operatic ,pIaippteha}r use, occupancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges that may Iawfuily'be.pof �nstalimenls over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to be paid only such inslal..erit .ag are required to be paid during the term of the Mortgage, and shall, promptly after the payment of any of the foregoing, forward to M� rtg gtfr"e)dence of such payment. 3. Application of Payments. Unless applicable law provldes�the4iise. II payments recelved by Lender shall be applied; fall, to interest due; and, to principal due; and last, to any late charges due under IS e:" 4. Charges; Liens. Borrower shall pay all taxes, assessments, cb C�, 111hp. and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground;re reds, f .Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph, and all receipts evidencing thgpay en) . Borrower shall promptly discharge any lien which has priority over this Saw y Iriisj§�ument unless Borrower. (a) agrees in writing to (he payment of the obligation secured by the lien in a manner acceptable to Lender;'(p: tests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lenders opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of (he lien an agreement satisfactory to Lender subordinating the lien to this Semi jtWy'InsPFuMont. If Lender determines that any part Of the Property Is subject to a lien which may attain priority over the Security Instrument, Lender ina;�.give Borrower a notice Identifying the lien. Borrower shall satisfy the lien or lake one or more of the actions set forth above within 10 daysf Itie_q ing of notice. 6. Hazard or Property Insurance. Borrower shall keep the Improvements now exatirrgr�ddr tier after erected on the Property Insured against loss by fire, hazards Included within the tern "extended coverage" and any other hazard$,'lRend g:Doods or flooding, for which Lender requires Insurance. This insurance shall be maintained In the amounts and for the periods that Lend �gLIles. The Insurance carder providing the insurance shall be chosen by Borrower subject to Lenders approval which shall not bey Saba ly withheld. If Borrower fails to maintain coverage described above, Lender may, at Lenders option, obtain coverage to protect Lend €rs igh(s'il1 the Property In accordance with paragraph 7, Al all limes that the Note is outstanding, the Mortgagor shall maintain Insurance with rasps. (( a Premises against such risks and for such amounts as are customarily Insured against and pay, as the same become due and paya(il ; elFpiemiums in respect thereto, Including, but not limited to, all-risk insurance protecting the interests of the Mortgagor and Mortgagee aga`fifsl loss or damage to the Premises by fire, lightning, and other casualties customarily Insured against (Including boiler explosion, if appropriate), with a uniform standard extended coverage endorsement, Including debris removal coverage. Such Insurance at all times to be In an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations. All Insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices, 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, Insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair Is economically feasible and Lenders security is not lessened. If the restoration or repair is not economically feasible or Lenders security would be lessened, the Insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower. if Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the Insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not (hen due. The 30day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due dale of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Property Is acquired by Lender, Borrowers right to any Insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument Immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrowers Loan Application, Leaseholds. Borrower shall occupy, establish, and use (he Property as Borrowers principal residence within sixty days after the execution of this Sacudty Instrument and shall continue to occupy the Property as Borrowers principal residence for at least one year after the dale of occupancy, unless Lender otherwise agrees In willing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrowers conlrol. Borrower shall not destroy, damage or Impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, Is begun that In Lenders good faith judgment could result In forfeiture of the Property or otherwise materially impair the lien created by (his Security Instrument or Lenders security interest, Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed OR; 4405 PG; 4004 with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's Interest in the Property or other material Impairment of the lien created by this Security Instrument or Lenders security interest. Borrower shall also be in default If Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, Including, but not limited to, representations concerning Borrowers occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provision 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 wrifing. 7. Protection of Lender's Rights in the Property. If Borrower falls to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lenders rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lenders rights In the Property. Lender's actions may Include paying any sums secured by a lien which has priority over this Security Instrument, appearing In court, paying reasonable attorneys' fees and entering on (he Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by (his Security Instrument. Unless Borrower and Lender agree (o other lam$ of payment, these amounts shall bear Interest from (he date of disbursement at the Note rate and shall be payable, with Interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage Insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage Insurance coverage required by Lender lapses or ceases to be in effect, 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 approved by Lender. If substantially equivalent mortgage Insurance coverage Is not available, Borrower shall pay to Lender each month a sum equal to one-twelgh of the yearly mortgage insurance premium being paid by Borrower when the Insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve In lieu of mortgage insurance. Loss reserve payments may no longer be required, at (he option of Lender, if mortgage Insurance coverage (in the amount and for the period Ihat ender requires) provided by an Insurer approved by Lender again becomes available and Is obtained. Borrower shall pay the prerpiu Aired to maintain mortgage Insurance In effect, or to provide a loss reserve, until the requirement for mortgage insurance ends 1 d',nbe with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lenye its Agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the Ume of or prior to d nape' lion specifying reasonable cause for the inspection. 10. Condemnation. Theepro fi of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the PYo dr for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the pfdoe ds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. in the*€vent of a partial taking of the Property, in which the fair market value of the Property Immediately before the taking Is equal to or greater than the emo nl of the sums secured by this Security Instrument Immediately before the taking, unless Borrower and Lender otherwise agree In wrliin'g,�ne ums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the tolSlxm ' at of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. ,�99 balance shall be paid to Borrower. in the event of a partial taking of the Property in which the lair market value of the Property immedialelybelpre te,((aking is less than the amount of the sums secured Immediately for the faking, unless Borrower and Lender otherwise agree in wridn �orilnFpas applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whetheror not (hesµm arglhen due. Unless Lender and Borrower otherwise agree In writing, any Application of proceeds to principal shall not extend OpuMporie�l e due dale of the monthly payments referred to in paragraphs i or change the amount of such payments. r. 11. Borrower Not Released, forbearance B`y A`.; a a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security InshumeFi{n�nYed 6 Lender to any successor in Interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers su � �s a IAjerest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payi e, or pi arms e modify amortization of the sums secured by this Security Ins(mmenl by reason of any demand made by the original Borrower or� or errs successors in interest. Any forbearance by Lender in tM149 exercising any right or remedy shall not be a waiver of or preclude Xer 4, pf any right or remedy. 12. Successors and Assigns Bound; Joint and Several YabjiltkCoSigners. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lenders rq�dd 09" 91 cur, subject to the Provisions of paragraph 17. Borower's covenants and agreements shall'be jo� i�s}� several. Any Borrower who co-signs this Security Instrument but does not execute the Note; (a) Is cosigning this Security InsIM t'oNy to mortgage, grant and convey the( Borrowers interest In the Property under the terms of this Security Instrument; (b) is not personal, oyh� tell to pay the sums secured by This Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify,.(Qit�af or make any accommodations with regard to the terms of this Security Instrument or the Note without that Sorrower's consent. o� 13. Loan Charges. if the loan secured by this Security Instrument is sub)e'-,to 61 wwhich sets maximum loan charges, and that law Is finally Interpreted so that the interest or other loan charges collected or to be rib Ilea 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 char a to the permitted IImIt and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded (o Bonov(ef /eCrop er may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. II a rplund aces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for In this Security Instrument shall be givtih livering ii or by mailing it by first class mall unless applicable law required use of another method. The notice shall be directed id (Ne-Pry'arty Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lend erynggi�s provided In This paragraph. 15. Governing Law; Severability. This Security Instrument shall be governed by federal layrplitl I law of the Jurisdiction in which the Property Is located. in the event that any provision or clause of this Security Instrument or the NoTe cone s ih applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without heoneiding provision. To this end the provisions of this Security Instrument and the Note am declared to be severable. l; 18. Bonow es copy. Borrower shall be given one conformed copy of the Note and of this See I, instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any pan of the Property or any Interest in it is sold or transferred (or if a beneficial Interest in Borrower Is sold or transferred and Borrower Is not a natural person) without Lenders prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security InsWment. However, this option shall not be exercised by Lender If exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercised 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 delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower falls to pay these sums prior (o the expiration of this period, Lender may Invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrowers Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the eadier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in (his Security Instrument; or (b) entry of a judgment enforcing this Security InsWment. 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 and default of any other covenants or agreements; (a) pays all expenses Incurred in enforcing this Security Instrument, Including, but not limited to, reasonable attorneys fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lenders rights in the Property and Borrowers obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the 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 paragraph 17. 19. Sale of Note; Change of Loan Services The Note or a partial Interest in the Note (together with this Security Instrument) may be sold one or more times without poor notice to Borrower. A sale may result in a change In the entity (known as the "Loan Service") that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Nate. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other Information required by applicable law. *** OR; 4405 PG: 4005 *** 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or In the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. 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 residentha uses and to maintenance of the Property, Borrower shall promptly give Lender written notice for 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, If Borrower foams, or is notified by any governmental or regulatory authority, that any removal or other emaciation of any Hazardous Substance affecting the Property Is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances 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. As used In this paragraph 20, "Environmental Law' means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. 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 paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the defaull; (b) the action required to cure the default; (c) a dale, not less than 30 days from the dale 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 may result In acceleration of the sums secured by this Severity Instrument, foreclosure by judicial proceeding and sale of the Property, The notice shall further Inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. 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 (his Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses Incurred in pursuing the remedies provided in this pamgraph 21, inef�ding, but not limited to, reasonable attorney's fees and costs of the line evidence. 22. Release. Up, opt of all sums secured by (his Security Instrument, Lender shall release this Security Instrument, Wihout charge, to Borrower. Borr w6 Ef sHH31i y any recordation costs. 2Attorneys' Fee an appellatee court. ' usedjn this Security Instrument and the Note, "attorneys' fees" shall Include any attorneys' fees awarded by 24. Riders to this S.44 Ingg raiment. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agieemeffig�o(ysach such rider shall be Incorporated into and shall amend and supplement the covenants and agreements of this Security InsWment a(Ahe 'der(s) were a part of this Security Instrument. (Check Applicable Box) ❑ Adjustable Rate Rider ❑ Rale Imprgvemenl Rider ❑ Graduated Payment Rider ❑ 1.4Ffiiuj�Ridw ❑ Balloon Rider ElBiwgekl Payment Rider ❑ Other(s) (specify !! ,—; SIGNING BELOW, Borrower accepts and by Borrower and recorded with it. Signed, sealed and delivered in the presence of: "f?` Witnessgl: Cerer .an 11,s tglg Signature: Wlness82; r% leea „(91,eya(el Sigi Co• Signature: ❑ Condominium Rider ❑ Second Home Rider ❑ Planned Unit Development Rider contained in this Security Instrument and in any rider(s) executed Maria Rivera Address: 2 04�4'6,`n Street sw STATE OF FLORIDA Na, 1� e 4P .ride 34116 COUNTY OF Oc I if Pr /— I hereby certify that on this day, before are. an officer duly authorized In the stale store wand in the county aforesaid to lake acknowledgements, personally appeared Marla Rivera to me known to be the person(s) describ Instrument and acknowledged before me that (He/ she/ they) executed the some for the purpose WITNESS my hand and official seal In the County and State aforesaid this My Commission Expires: G q - / 7- 11 (Seal) .P'!`"N,. PETER J. LWGHLIN r My COMMISSION f D07DR61 EBPI1ES:Sepkvlbe117, 2011 JX+4amoa` ex h. awls Noa, Ss," File#: 08-146 Rio executed the foregoing ® yet" COUVIty Public Services Department Community & Human Services Division February 7, 2024 Maria Rivera 2184 4611' Street SW Naples, FL 34116 Re: Payoff Letter -Maria Rivera 2184 46111 Street SW Naples, FL 34116 File 408-146 Mortgage Type Date Recorded OR 13oolc/Page Amount Collier County SHIP: Second Mortgage 11/0612008 OR 4405/PG 4003 $24,000.00 Recording Fee $10.00 Total Amount Due $24,010.00 No payment will be required until the property is sold, transferred, refinanced, no longer Homesteaded, or is no longer the primary residence of the homebuyer. At that time the balance of the loan is due and payable. This loan doesn't accrue interest. Please include a separate check in the amount of $10.00 for each payoff amount made payable to: Collier County Board of County Commissioners for the cost of recording. Coumnurity & Human Services Division Attn: SHIP Payoff 3339 E. Tamiaini Trail, Suite 211 Naples, FL 34112 Sincerely, 444 Z 6M Lisa N, Carr Supervisor -Grants Iisa,calT a collierconntyfl.goy coairnunity and Human services MdkingOut Commually stronger; One life, One Nome, One Pro)ect a Time Commuolly & Human Sorvioes DNislon - 3339 Ta alani Trail East, Suite 21l - Naples, Flotilla 341125361 239-252-CARE (2273) - 239.252•CAF� (2233) • 239-252-4230 (RSVP) - iww ,colliergov.neUhumonseivicee MARIA LILU M MW" 436 JULIO RODRIGUEZAMAYA veawms*sw [�qq'� csfnw�o 0�—p7_ryn�y�n xaMrs,asal+a wm -� aae 'tr"e I I i a r �n:55s wigi-g � Vw J 1, ❑0436 ,; MARIA LIWIN RIVEPA 437 =. JULIGRODRIGUEZAMAYA ms:lu al0ii61imm NMfE5.Rd61f6 o le s OldN of (Oyp omen IV«' 00437 INSTR 4448616 OR 4582 PG 1513 RECORDED 7/1/2010 4:34 PM PAGES 3 DWIGHT E. BROCK, COLLIER COUNTY CLERK OF THE CIRCUIT COURT REC $27.00 OBLD $0.00 OBLI $0.00 SECOND MORTGAGE THIS SECOND MORTGAGE(Sewdy Instrument) is given on �2 dayof ddge Marie Joan Paul, a single person fe lam Of in T))Is'SI Imy Instrument rica.aNento Collier County the Wwsathe lingedslatas "America. end whose atltlress l4 3301 E. Temiemi If not paid emVer, d iq This Searity Inshume and modifications; (bi Instrument; and (c) IN Borrower does hereby As mom padiculary d, (-Properly Address-): TOGETHER royalties, mineral, oil and additions shall ais BORROWEI convey the Property a the tale to the Propedt 2010. The Second Mortgagor Is: Is organised and (4 all other Sums, with Interest advanced under paragraph 7 to prated the security of the Security adz s covenams and agreements under this Security Instrument and the Note. For this purpose, 8 gmm and convey to Lender the following described property teemed In Collier County, Florida. Liberty Landing Lot 67, Collier County, Florida and which has Me address of Is 1. Payment of Principal and Interest: Pfepayrnwit gap Interest on Me debt evidenced by the Note. h. !- 2. Taxes. The Mortgago-Wilpayalltates,asi'Arlin therein. The Modgagershall pay arouse to be paid, as the me kind whatsoever which may many fame be lawfully assessed or I." including'seMce charges', incurred or Imposed fa the operatiwy4 (3) an assessments or other govemmerdm charges that may lawinit obligated under the Mortgage to Pay "cause to be paid only such i shall, prompby after the payment many of the foregoing, forward to 3. Application of Paymenta. Unless applicable few pro, Interest due; and, to principal due; and last, to any ire charges due 4. Charges; Liens. Borrower shall pay ail taxes, Susan attain priority over this Security Innm ment, and leasehold payment notices of amounts to be paid under this pwagmph, and all receipts Borrower shag promptly discharge any lien which has prlo the payment of the obrigation seared by Me lien In a manner acre) enforcement of Me lien In, legal proceedings which In the Lender's s the holder ol Me lien en agreement satisfactory to Lender subordim of the ProcerN is subied to a lien whirr, may clubs ufafty over the Borrower shall satsy the Iles ortake we or 5. HatardorPnMertyinsumna against loss by rite, hazards Included within requires Insurance. This Insurance shall be providing Me insurance shall be chosen by I maintain coverage described above, Linder with paragraph 7. Al on limes Net the Note risks and for such amounts as we customs, Including, but not limited to, alkisk Insurer(( by tire. Iightrino, and other casualties wsta and Nng H taloned to In this Security Instrument as the'Property'. Late hereby conveyed and has the right to mortgage, gram and wancesolsecord. Sofrowerwanant6 and Will defend generally minces of record, oral use and iroaimMomi covenants With limited variation by as fdiows: )es. Barter shall promptly pay when due the principal of and s or water rates prior to the accrual"any penalties or Interest y become due, (A)U) all taxes and governmental charges of any Ir wM respect to the Property, (2) all utility and other charges, !! yse, occupancy, upkeep and ksyxm oveem of the Property, and InsI�Ilmems over a period of years, the Mortgag" shall bar (9; at@ required to be paid during tha tents al the Mortgage, and or such payment. aiF; ellpryments received by Leader shall be applied; first, to due All Insurance policies and renewals shall be acceptable to Lender and shag Include a at= the right to hold the pollees and renewals. It Lander factures, Borrower shall promptly ghre to Lend(( notices. In the event of loss, 6onower shall give prompt notice to the Insurance carrier and Lender. promptly by Bonotrer. Unless Lender and Borrower otherwise agree In wrilrtg, Insurance proceeds shall be appli damaged, H the restoration or repair B ecommucalty feasible aad Lenders seamy Is not lessened. economically feasible a Leaders securiy would be lessened, the Insurance proceeds shall be appll Instrument, whether or net Men due, with any excess paid to Borrower. If Borrower abandons the F a notice from Lender that the Insurance canierhas offered to settle a claim, then Lender may tolled the proceeds to repair "restore the Property or to pay sums secured by this Security Inshument, w will begin when the notice is malted. Unless Lancer and Barowerotherwlse agree In writing, any at extend or postpone the due date of the monthly payments referted to In paragraph 1 or Mange the r .ender determines that any part aver a notice Identifying the Hen, wti e. ceded on the Property Insured Mheld. If Borrower fails to Property In sooamance s P,remisea against such eplkims In respect Morale, ± aria to the Premises nfRalandam extended he)ullreplacement was, Lends r shall have ia(d f ums efd renewal ice proof of loss it not made or repair of the Property or repair Is not eared by the Security not rescue r within 30 days creeds. Lerdermay use than 6. Oc4upwuy'Pieiervagon, Maintenance and Protection of the Property; Bomawees Loan Application,Leaseholds. Borrower Mail occupy, establish, and use the Property as Borrowers principal residence within sbdy days after Me execution of this Sedsity Instrument and shell continue to ocww the Pmaerly as Borrowers Mnclpal residence for at last was year after Me date orocwpancy, unless Lend" 1 destroy, damage or Impair Me Property, allow Me Property to deterKKate, or convert waste al Me I if any forfeiture action or proceeding, whether thdl or Criminal, Is begun that In Lenders good fan Is Propeny"otherwise materially Impair the Ilen created by this Security instrument or Lenders securfly elault end mInnme, as provided In paragraph 10, by "using the action or proceeding to be dismissed M dmenninatbn, precludes fodeture of Me Borrowers Interest In the Property "other material Security Instrument or Lender's security Interest Borrower shall also be In default If Borrower, during the OR 4582 PG 1514 ban application process, gave materially false "Inaccurate Infomaallonor statements to Lender (or failed to provide Lender with any material Information) In connection with the ban evidenced by has Note, Including, but not Iimled to, represeMa9ons concerning Soon wets occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply will, all the provision of Me lease. If Bonober acquires fee Gle to Me Property, the leasehold and the fee We shall not merge unless Lender agrees to the merger In writing. 7. Protection of Lender's Rights In the Property, If Bomeaer tags to perform the avenama and agreements contained Inlhls Security Instrument, "am is a legal proceeding that may stgnfcantty, affect Lender's rights Is the Property (such as a proceeding In bankruptcy, probate, for condemnation or forfeiture or to enforce lam or regulations), then Lender may do and pay for whatever is necessary to protect the vacua or the Property and Lender's rights In the Property. Lmdefs actions may Include paying arty sums seared by a lien which has priority over Nis Security Instrument, appearing In court, paying reasonable eUomeys' fees and entering on the Property to make repairs. Although Lender may lake action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall became seasonal debt of Sommer secured by this Security Instrument Unless Borrower and Lenderagree to other temas of payment, these amounts shall bear Interest have the date IN disbursement at the Note onto and shag be payable, with Interest. upon notice from La(dar loB requeribg payment. 8. m.rl a surence. If Lender required "gage insurance m a condition of making the ban seared by this Security Instrument. Bon6wer dal( ylhe premiums required tomainlaff the motgage Insuranco In effect. If, lor an)'reason, the mortgage Insurance coverage regil¢pby enCbpses or ceases to l» N etted, Borrower shall pay Ma premians required to obtain coverage substantially equNaleMlot aJnoitg g NYirance pravbusly In effect,nt a oust subalanUally equivalent to the oust to Bormmxwthe mortgage Insurance previously In etteirl�))r Yaa� @@l ale mat lam Insurer approved b/Lender. If substaMWUy equhalam mortgage Insurance average is not evahe"s BonowefahyYeL nder each month arum equal to one -Meth or'the yearly mortgage Insurance premium being paid by eonower when the Inl c@" elapsedor ceased toho IneRtd, Lender will accept use and retain these payments cuss tsar reserve In lieu of mortgage Inifgznce, sp fgttene paymmi5 may no W at bon required, et the 0p10.xs o1 Lender,fmMga9e 6nsumna coverage on the amount and for the p`e vial L'enq r requires) provided 6y en Insurer approved by lender again becomes available end Is obtained. BIXrower shall pey the premNve3 tggtrfr to maintain mortgage hsuranceM efeCL or to provide eless reserve, until the requirement for mortgage Insurance ends In gddanc xiM any von" agreement bawase Borrower and LenderwaDDl'xtabla law. 8. Inspection. Lender or Ms agent may make reaoonablo entdaa upon and Inspections of the Property. Lender shall give Borrower noicce mtha Isms ofwprbrfo an bupegkns dYiM reasonable auseforthemspection. 10. ContlamnaUon. Th ptomted5 any awandordaim for damages, directoransequrntlnt,Inannedion with enyandemnafbn w olhert. It of any par of the Propfily; cur(ff onveyance in It.. INcondamnation, are hereby assigned and shall be paid to Lender. In the evert of a loWl taking IN the Property, the p(6ceed$shall be applied to the Sums seared by Nla Seadry InstrmeM, whether w not then due, with mryexcess paid to ewrower. In Ilia enlINupartial bkugMNO Properly,InwhlM the fair market value of the Property hnmedlMely before the faking is equal to or greater than um '. Id(the sums secured by this Security Instrument Immediately before the taking, unless Bwrmwer and Lender othervd50 agree k had; crumb seared by this Security Instrument shall be reduced by the amount of the proceeds muXlpled by the follnxing fraction; (a)Meloldl'IOfhhe sums seined Immediately before the taking, divided by(b)"fair market value of the Property Inmedlatety before Me taking, Yvs tl lenfe shall be paid to Someser. In the event of a partial taking of the Property Inwhlch the fair market value w the Properly Immediately ore iti�tbkmg b less than the emanl d Me sums seared Immediately for the taking. unless Borrower and Lender otherwise agree In willing:$' l `5'. ppikalle law otherwise provides, the proceeds shall ba applied to the sums seared by this Security Instrument whether or not the,tPs�.M'Q due. Unless Leader and Bomrvrerolherwiss agree Inverting, my application of proceeds to principal Shall not extend or'1pNpone dh/le date of the monthly Payments related to In paragraphs I of change the amount of such payments. + �j�Q. 11. eorromer Not Released, Forbearance Byterl8a""rt/��Not oWalver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument ('limed byyLe der to any successor In Interest IN ewmwer shall not operate to release the liability of the original BormvM w Borrower's suae sere 6l 1 3t Lender shall not be regaled to commerce proceedings against any successor In Interest or refuse to extend time for pa a' 'se mafy amorl'Gallon IN the sums secured by this Security Instrument by reason of any demand made bythe original Bwavwe p,$uccessors In Interest Any forbearance by Lender in exercising any right or remedy shag not be a wraNer of or preclude lhe,4z. _,se; 6A,' yright or remedy. 12, Successors and Assigns Bound; Joint and Severe, TL lltybl mars. The comments andagreementsINMis Scarily Instrument shall bind and berefd the successors and assignor Lender @ry59 object to the Provisions M paragraph Or. eonowees covenants and age, Baal Jo (and VL Any Borrwrerwho co-signs this Security Instrument but does fact execute the Note; (a) Is co-signing this Security lnsWnieO ly to(portgage, grant and covey that B.memes Intereal In the Property under the (arms of this Secrity Instrument; (b)Is not persaalFy :.tgale�iq'p Mecums secured by this Secwiy Instrument; and (a) agrees that Lender and any other Borrower may agree to extend, mtxify,jwDogr PIN any aawavnodallons who regard to theterms of this Security Instrument wthe Nomwlhout that Bortawets anSeM 13. Loan Charges. ihtheloonsecuredbythis Securitylnsussnent is an 199 Meets madmum loan Margea, and that UxlsfwalylnterPMledsothmthehlereslwothettOMCharyesagecledortobe n edlan with Me ban exceed Me permitted limits, then: (a) any such ban charge shall be reduced by the amount necessary to rednlrolnD cha' a to the pennited limit; and (b) any sums shady collected trap Borrowerwhkh exceeded pennited fume will be rer nded to Bonoyel• - ' rider may Moose to make this refund by reducing the principal owed under the Nola or by making a direct payment to Oarover. If a re und reduces principal, the reduction wgl be treated as a partial prepayment without any prepayment change under the Note. ' per' . \ 14. Nausea. Any notice to Borrpwef providedfor In this Security Instrument shall be g,im d'Iiy'FrI Horbymallrg Rbygrst class mail unless applicable law required use of another method. The sake shall be directed to rl4 Addrass or any other address Borrower designates by duce to lender, Any notice to Lender shall be given to Samovar or or U." rovided In this paragraph. 18. Governing Lawn, Saverablllty. This Security Instrument shall be govemed by federal kaysnof the Msdtctia In which the Property is located. In the event that any provision of clause of this Security InsManenl or the Note applicable law, such annicl shall not effect other provisions of this Security InsMenenl or the Note which can be given effect out g provision. To this end the provisions of this Security Instrument and the Note am declared to be severable. .i& Borrower's Copy, Borrawer Mall be given cue ocnfommi copy of the Note and IN this Security Inh 17. Transfer of the Property or a Beneficial Interest In Borrower. IfalloremypartINMe Properly&Is sold or transferred(orf abeneficial Merest In Borrower is sold ortransferred and Borrower is not anatural pens)w l*'written consent, Lender may, at its option, require immediate payment In Ng of all sums secured by this Security Instrument. Heave arthb option shall not be exercised by lender f exercise is prohibited by federal ion as of the data ofthis Security Instrument ..:.._-� If Lender exercised this option, Lender sham give Borrower Wise M acceleration. The notice shall provide a period off... less than 30 days from the sate the force is dNirened ormailed within which Bortower must pay all sums secured by this Secudly, Instrument IfBorroxerfailsto pay these sums prior to the expiration of this period, Lender may invoke any remedles permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower'slBghtto Reinstate. Il Bwraver meets certalncordlbns, Bonower5hall have Um righltoham enforcementcfthls Security Instrument discontinued at any time pdor to the earlier of: (a) 5 days (or such other period as applicable has may specify for reinstatement) before sale of the Properly, pursuant to any poser of sale contained In this Security Instrument; or (b) entry of a Judgment eMarohg Mb Seadry lnsWmenl. Those curd'dons am that Borrower. (a) pays Lerider all sumswhkh then would be duo under this Security Instrument and the Noe as it no acceleration had owurtM; (b) cures and default IN any other covenants or agreements; (c) pays all expenses Incurred In miming this Security InsWmal, Including, but not limited to, reasonable attorneys fees; and (d) takes such action as Lender may reasonably require to assure that the Ben of this Security InsMsnent, Lender's rights In the Property and Borrower's obligation to pay the sums seared bythis Securllylnalrumem shall continuo unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as If no oecelemdon had scared. However, this night to reinstate shag not apply In the case of acceleration under paregelph 17. 19. Salo of Note; Change of Loan Servlcer. The Note or a partial Interest In the Note (together wM this Security Instrument)may be sold one or more rates without prior notice to Borrower. A $eta may result In a change in the entity (known as the loan ServIl Mat sleds monthly payments due under the Note and this Security Instrument. Thom also maybe one of more changes of the Lean Servicer unrelated to a sale of the Note. If there is a change IN the Loan Serwker, Borrower will be given written notice of the change In accordance with paragraph 14 and applicable law. The notice will state the tone and address of the new Loan SeNker and the address to which payments should be made. The notice will also contain any other Information required by applcable law. 20. Hazardous Substances. Borrower shall not cause or pennf the presence, use, disposal, storage, or release of any Hazardous SubstancesonwMthe Property. Borrower shall not do, her allow terrors else to do, anything affecting the Property that is In Noll IN any *** OR 4582 PG 1515 *** Environmental LOW. The preceding two sentenced shall not apply to the presence, use, or storage on the Property of small quamf des a Hazard Ws Substances that are generally r"ribed to be appropriate to normal residential uses and to mamename of the Pmpery. Borrower shall promptly give Lender written notice for any investtgallon, claim, demand, Ta tdt or other action by any timmmentala regulatory agencyor private party InvoMng the Properly and any Hazardous Substance or Environmental Low of which Bonower has actual knowledge. If Baronet teams, or is noKed by any governmental a regulatory atMorily, that any removal a other remediaeon of any Hazardous Substance affecting the Property Is necessary, Bonu vet shag promptly Inks eg necessary remedial actions In Accordance with EmArenmemal Lew. As used In this paragraph 20, -Hazardous Substances' are those substances defined as toxic or hazardous substances by Envenmentai Law And the foil substances: gasoline, kerosene, other nammablo or lode petroleum products, toxic pesticides and herbicides, volatile solvents, materials mmalning asbestos or formaldehyde, and mdloacNe materials. As used In this paragraph 20, -Environmental LW moms federal laws and lam of lhe)urisdictbn where the property is bcaled that relate to health, safety or environmental protection. 21. Accslorltlon; Remedies, Lender shall give notice to Borrower pdorto Acceleration forowing Baroxees breath of any comnam a egreemonlln (his my Instrument (but not prior to Acceleration under paragraph17 unless applicable law provides othermse).The notka shall s�r�..r.,2h� ( 1b, default; (b) the action required to are the default; (0) a dale, rot less than 00 days from the date the notice H given to eoawmr, fault must be a lid; and (d) thud failure to cure the default on or before the date speed In the notice may result in eccelention o(Ne suMssetuned by this Stoutly tly Instrument. foreclosure by hdkWl oroceedine and sate of the property. The notice shall def.n or any order d9fyfse 07 Lentla, al its option, in rego foreclose this Security {erM�B provided In this parawaplrl 22. Release. Upon charge, to Borrower. Bonowel 23. Attorneys' Fee e an appellate eoud. 24. Rldom to this S Instrument, the covenants and agreement$ of this Security Ira ❑ Ad)ustable Rate Rider ❑ Graduated Payment Rider ❑ Balloon Rid" ❑ CNer(s)(specAy acceleration and the Iigm and foreclasure. d In full of all sums v line. Lerdershag be all suns so Incurred In pursuing the remedies a laid evidence. release this Security Instrument, wi hort Security Instrument and the Note,'agomeys' fees'shail Include any attorneys' fees warded by nt If one or more ridam are executed by Borrower And recorded together with this Security X h such Oder shall be hcorporate4 Into end shall amend aM supplement the cavenants and rider(s) were a par( of this Security Instnsnem. (Check Applicable Box) SIGNING BELOW, Sorrower Accepts and agrees to Nel4lnis,ae by Borrower end mratled with g. Signed, denied and derwered In the presence of: ". Wnnessnl: I)CyJtae (bAMIAA .4)F Cd Wdnem#2: 0- M 1, Signature: 4 Z4 s' � 2 Address: STATE OF FLORID A COUNTY OF COLLIER I hereby cMgy that on this day, before me, an eeMaMedgements,pms lyappowMMarie Jean Paul tome ❑ Condominium Rider ❑ Second Home Rider ❑ Planned Unit Development Ride amalned In this Seemly Insbenere and In any rider(&) executed a Jelin Paul foregoing Instrument and acknoMedged before me that (Het sheu fey) executed the same for the WITNESS my hand And oflfcal seal in Ne Corny and State Aty Commission Expires: y (Seal) R Notery Public$bte of Florida Anne VM&urdMy CommisslonDDg1g101 Expires 1Nd012013 HIM: 09-248 Circle corny aforesald to lake In and who executed the PZ ��� coir er county Public Services Department February 20, 2024 Community & Human Services Division Luz M Acevedo Habitat for Humanity of Collier County 11145'Tamiami Trail East Naples, FL 34113 Re; Payoff Letter -Marie Jean Paul 3792 Justice Circle immoltalee, K 34142 Payoff #1 - No payment will be required until the property is sold, transferred, refinanced, no longer Homesteaded, or is no longer the primary residence of the homebuyer. At that time the balance of the lien amount is, du. e and payable. Mort a Alen Type Date Recorded OR Boolt/Pa a Amoulrt Due, Colliex County- 03/26/�010 4550/644 $15/246.26 Countywide Impact Fee + 3.B11.571aterest Deferral Agreement $19,057,93 To pay oniihe use the following link: MS20240000044. htfas•//cvportal.colliercountVfl,gov/tltvViewWeb/` Payoff #2 No payment will be required until the property is sold, transferred, refinanced, no longer Homesteaded, or is no longer the primary residence of the homebuyer. At that time the balance of the loan is due and payable: Mortgage/Lien Type Date Recorded OR BaolJPage Ambun Due Collier County SHIP second NTottgage File#09-20 09/Ol/2010 4582/1513 $3,000:00 Please include a separate check $10.0.0 for each payoff made payable to: Collier County Board _of County Commissioners for the cost of recording. Payment should be made to "`Collier County Board of County Commissioners?' and delivered to: Community & Human Services Division Attn; SHIP Payoff 3339 $. Tamiami Trail, Suite 211 Naples, FL 34112 Sincerely, Tew(v x Weridy Klop£ Grants Coordinator I went)v.ldonf(ncollierceuntvfl.t ov Community & Human Servlpes Divieinn • 3339 T.amlai ITiall East, Suits 211 • Nzpips, Florida 34112 5361 239-262�CARE (2273) • 239.262-CAFC (2233) • 239-P62.42N (RSVP.) • v6wd.colileigovdteUhumanservices PORTER WRIGHT MORRIS Rt ARTHUR, LLP 8419. Paid To The Order OF Collier County Board of County Commissioners File No.: 4002074.242667 Buyer: Habitat for Humanity of Collier County, Inc. Seller: Marie Jean Paul Property: 3792 Justice Circle, Naples, FL 34142 Settlement Date: 03/27/2024 Disbursement 03/27/2024 Date: Charge Detail: . SHIP Mortgage Payoff Date: Amount Of This Check: 03/27/2024 ******3,000,00 3,000.00 m S OVUS Porte] ht®4]9, .: , syno�a 'torm fi460/fill - REALESTATETRUSTACCCUNT 91 NAPLES, FLORIDA 3410301 03/27/2024 I2391593-2808 IAYTOTHR - - - )RoeROF Collier County Board of County Commissioners. ******3,000.00 .'•`Three Tf2Qu.sapd and 001100"* - .. DOLLARS. ... E P RT R RIGHT MORRIS $i AfiTHUR, LLP ° ®".® 4002074.242567- 3792 Justice Circle,, Naples,FL 341REQUIRED ! 1 - 11=008 M 11911a rORTER WRIGHT MORRIS&ARTHUR, LLP - Paid To The Order Of: Date: Collier County Board of County Commissioners. 03127/2024 File No.: 4002074.242667 Buyer: Habitat for Humanity of Collier County, Inc. Seller: Marie Jean Paul Property: 3792 Justice Circle, Naples, FL 34142 Settlement Date: o312712024 Disbursement 03127/2024 Date: Charge Detail: S SHIP Mortgage Payoff %04 MIR Amount Of This Check: ******3,000.00 3,000.00 Ceows4mwo01 IN PORTER WRIGHT MORRIS & ARTHUR, LLP 6414. Paid To The Order Of: Collier County Board of County Commissioners File No.: 4002074,242567 Buyer: Habitat for Humanity of Collier County, Inc. Seller: Marla Jean Paul Property: 3792 Justice Circle, Naples, FL 34142 Settlement Date: 03/27/2024 Disbursement 03/27/2024 Date: Charge Detail: Recording Fee Rslmhumannent - Impact Fee Deferral - ®� Fr�ht REAL ESTATE TRUST ACCOUNT 9132 STRADA PLACE, STE 001 NAPLES, FLORIDA 34108 (239)593-2900 Date: Amount Of This Check: 03/27/2024 *"******10.00 B414 03127/2Q24 PAYTOTHE _I I_..I .. «rant*.« ORDER OF Collier County Board of County Commissioners . - 10.00 fe0 and 001100 ! - - DOLLARS s P RTE. RI HT MO &ART UR,LLP Oil 4002074.242587 - 3792 Justice Circle, Naples, FL 34142 lu. TNO GNATUa 6REGUIREe n°0064 L 493 PORTER WRIGHT MORRIS & ARTHUR, LLP- " Paid To The Order Of: Collier County Board of County Commissioners - File No.: 4002074.242567 Buyer: Habllatfor Humanity of Collier County, Inc. Seller: Marie Jean Paul Property: 3792 Justice Circle, Naples, FL 34142 Settlement Date: 03127=24 Disbursement 03/27/2024 Date: Charge Detail: Recording Fee Reimbursement - Impact Fee Deferral .i8yb 8414 Date: Amount Of This Check: 03/27/2024 10.00 018M4840001 11 PORTER WRIGHT MORRIS & ARTHUR, LLP Paid To The Order Of: Collier County Board of County Commissioners Date: Amount Of This Check: 03/27/2024 ****"19,057.83 w File No.: 4002074.242567 Buyer: Habitat for Humanity of Collier County, Inc. Seller: Marle Jean Paul Property: 3792 Justica Circle, Naples, FL 34142 Settlement Date: 03/27/2024 Disbursement 03/27/2024 Date: Charge Detall: Impact Fee Deferral Agreement Payoff 19,057.83 er Sows aloe . or. . t 64-fi0/fill HEAL ESTATEDA 01 _ 9132 STRSUA PLADO, STE 301 PLAST CE, STE NAPLRmA 34108 - - - - 03/27I20?A (239) 239j 49 593-2000 AY TO T1411.. I ..11- )RDEROE.- Coiller.Counly Boardof COUnty Commissloners - ***Nineteen Thousand FlftySeVen and 83/100*** _ 4062074.242567 -3792 Justice Circle, Naples, FL 34142 [in 0084 16$110 )ORTER WRIGHT MORRIS & ARTHUR, LLP Paid To The Order Of: Collier County Board of County Commissioners File No.: 4002074.242667 Buyer: Habitat for Humanity of Collier County, Inc. Seller: Marle Jean Paul Properly: 3792 Justice Circle, Naples, FL 34142 Settlement Data: 03127/2024 Disbursement 03127/2024 Date: Charge Detall: Impact Fee Deferral Agreement Payoff *****19,057.83 g 3 aeLLARS - t1^� HT MCRRr9&A UR, LLP T'OSIONATUHE EOUIREU 8418 Date: Amount Of This Check: 03/27/2024 19,057.83 %SkW4com No MS20240000044 $7,72-5.00 Deferral M/F ROAD Payoff DS MS20240000044 $482.59 Deferral M/F GOVT BLDG Payoff MS30240000044 $193.83 Deferral M/F LAW ENF Pa off MlS20240000044 $692.59 Interest PARKS MS20240000044 $29.01 Interest EMS Md2®2400®®044 ...-$47.65 Tnterest'JAIL M$26,2460000.44 1 $106.04 Interest LIBRARY &4s!Oa46006-644 $120.6S Interest GOVT BLDG MS20246060044 $1,931.25 Interest ROAD DS Total Amount Due: $19,057.83 To pay online use the following link: https://cvportal.colliercountyfl.gov/CitvViewWeb/ Payment must be made under Miscellaneous Fees. PORTER WRIGHT MORRIS &ARTHUR, LLP Paid To The Order Of: Collier County Board of County Commissioners. File No.: 4002074.242567 Buyer: Habitat for Humanity of Collier County, Inc. Seller: Marie Jean Paul Property: 3792 Justice Circle, Naples, FL 34142 Settlement Dale: 03/2712024 Disbursement 03/27/2024 Date: Charge Detail: Recording Fee Relmbursement - SHIP Mortgage Date: Amount Of This Check: 03/27/2024 1 10.0o 8415• ®rtei ht s Ovus . - 8415 M 64-60/611�^'' REAL ESTATE TRUST ACCOUNT - 9132STRADA PLACE, STE 301 NAPEESS FLORTIp 3giG6' 03/27/2024 (289)593-2900 PAVTOTHE .. ORDER OF . Collier County Board Of County Commissioners. *'*T0 and 00/100"°« -4002074.242567;- 3792 Justice Circle, Naples, FL 34142 . DOLLARS P R RIGHTMORHAl &ART.. R,LLP LEI r�¢yJ� r1�aai�� �/f 8 TWO BIG NATURESREO EO II°0084IIslim — -- PORTER WRIGHT MORRIS & ARTHUR, LLP - - -- Paid To The Order Of: Date: Collier County Board of County Commissioners. 03/27/2024 File No.: 4002074.242567 Buyer: Habitat for Humanity of Collier County, Inc. Seller: Marie Jean Paul Property: 3792 Justice Circle, Naples, FL 34142 Settlement Date: 03127/2024 Disbursement 03/27/2024 Date: Charge Dotal]: i Recording Fee Reimbursement - SHIP Mortgage a,§b Amount Of This Check; 8415 10.00 e3iUSIN000I SECOND MORTGAGE OBLD 20700.00 Retn; 4196959 OR; 4383 PG; 3937 OBLI 20700.00 ROSS TITLE i SSCROY INC RECORDED in the OFFICIAL RECORDS of COLLIER COUNTY. FL RIC FIB 27.00 599 STE STREET N 1300 08/05/2008 at 10:58AN DWIGNT B. BROCK, CLERK OOC•.35 72.45 NAPLES PL 34102 THIS SECOND MORTGAGE ("Security Instrument") Is given on , 2008. The Second Mortgagor is: Janine L. Pruitt, a single woman ("Borrower"). This Security Instrument Is given to Collier County ("Lender"), which is organized and existing under the laws of the United States of America, and whose address is 3301 E. Tamiami Trail Na 1 Flo ida 34112 . Borrower owes Lender the sum of Twenty Thousand Seven Hundred and 00/100 Dollars ($20 700.00). This debt is evidenced by Borrowers Note dated the same dale as this Security Inslrumen(("Second Mortgage"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on sale of property, refinance, or loss of homestead exemption . This Security Instrument secures to Lender. (a) the repayment of the debt evidenced by the Nola, with interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with interest advanced under paragraph 7 to protect the security of the Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Sonowkr does hereby second mortgage, grant and convey to Lender the following described property located in Collier County, Florida f I As more particularly desc abed a�t � 504, NAPLES WINTERPARK V, a condominium, according to the Declaration of Condomtn(um .e'geof as recorded in Official Records Book 1306, pages 2219 through 2286, and subsequent amendmepts (hereto, of the Public Records of Collier County, Florida andwhich has the address of: ("Property Address"): TOGETHER WITH all the improvementnowor hereafter erected on the property, and all easements, rights, appurtenances, rents, royalties, mineral, oil and gas rights and profits, y' ater n h(S`Ind stock and all fixtures now or hereafter a pad of the property. All replacements and additions shall also be covered by the Security In rume99I. All of the foregoing Is referred to in this Security Instrument as the "Property'. BORROWER COVENANTS that Borroweris,lewfIllyseized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbromid, e(icept for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, suKl6c J Any encumbrances of record. THIS SECURITY INSTRUMENT combines unifogn\ 6venahts for national use and non -uniform covenants vdlh limited variation by jurisdiction to constitute a uniform security instrument coven gal{froted UNIFORM COVENANTS. Borrower and Lender co ant an ABree as follows: 1. Payment of Principal and Interest; Prepayment ii r'' Late 0barges. Borrower shall promptly pay when due the principal of and interest on (he debt evidenced by the Note. i � (hereon. 2. Taxes, The Mortgagor will pay all taxes, assessmenlsy'slewer r -II\r water rates prior to the accrual of any penallles or interest The Modgagor shall pay or cause to be paid, as the same respeoivdly become due, (A)(1) all taxes and governmental charges of any or kind whatsoever which may at any time be lawfully assessed levied ag rust r viilil,tespect to the Property, (2) all utility and other charges, Including "service charges', incurred or imposed for the operation, maintenance use,,, oFcupancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges that may lawfully be paid ilIIA�dots over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to be paid only such installments as 9refaqu'red to be paid during the term of the Mortgage, and shall, promptly after the payment of any of the foregoing, forward to Mortgagee "I ence�,.�I `S ch payment. 3. Application of Payments. Unless applicable law provides othervnse,'oil �ayro Is received by Lender shall be applied; first, to interest due; and, to principal due; and last, to any late charges due under (he Note.'1. - 4. Charges; Lions. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may allain priority over this Security Instrument, and leasehold payments orgmund rents, if any,' qortow r shall promptly furnish to Lender all notices of amounts to be paid under this paragraph, and all receipts evidencing the paymenisS t 1 Borrower shall promptly discharge any lien which has priority over this Security Instruytenl uglo, s Borrower. (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests iryn,C�o'o�(r t ilh the lien by, or defends against enforcement of the lien In, legal proceedings which in the Lenders opinion operate to prevent the.ddor, apt of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Imam n(-.If Lender determines that any part of the Property Is subject to a lien which may attain priority over the Security Instrument, Lender may give yebr er a notice Identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the glvm" , ice. 6. Hazard or Property Insurance. Borrower shall keep the Improvements now existing or hereafter ercted on the Property Insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including Pyyods�rii flooding, for which Lender requires Insurance. This Insurance shall be maintained in the amounts and for the periods that Lender regdifes. The insurance carrier providing the Insurance shah be chosen by Borrower subject to Lenders approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lenders option, obtain coverage to protect Lenders rights in the Property in accordance with paragraph 7. At all limes (hat the Note is outstanding, the Mortgagor shall maintain Insurance with respect to the Premises against such risks and for such amounts as are customarily Insured against and pay, as the same become due and payable, all premiums in respect thereto, including, but not limited to, all-risk Insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premises by fire, lightning, and other casualfies customarily insured against (including boiler explosion, if appropriate), with a uniform standard extended coverage endorsement, including debris removal coverage. Such insurance at all times to be in an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. 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, Insurance proceeds shall be applied to restoration or repair of the Property damaged, If the restoration or repair Is economically feasible and Lenders security is not lessened. if the restoration or repair is not economically feasible or Lenders security would be lessened, the Insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carver has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security InsWmenl, whether or not (hen due, The 30day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due dale of the monthly payments referred (o in paragraph I or change the amount of the payments, If under paragraph 21 the Property is acquired by Lender, Borrower's right (o any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument Immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrowers principal residence within sixty days after the execution of this Security Instrument and OR: 4383 PG: 3938 shall continue to occupy the Property as Borrowers principal residence for at least one year after the dale of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destroy, damage or impair the Property, allow the Properly to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that In Lenders good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lenders security interest. Borrower may cure such a default and reinstate, as provided In paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lenders good faith determination, precludes forfeiture of the Borrowers Interest in the Property or other material impairment of the lien created by this Security Instrument or Lenders security interest. Borrower shall also be In default if Borrower, during the loan application process, gave materially false or Inaccurate Information or statements to Lender (or failed to provide Lender with any material Information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Sortaware occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provision 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. 7. Protection of Lenders Rights In the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lenders rights In the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulallons), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lenders rights in the Property. Lenders actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing In court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall hear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage Insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage Insurance In effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage inaufan previously in effect, al a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from and , te' ortgage Insurer approved by Lender. If substantially equivalent mortgage Insurance coverage is not available, Borrower shall pay to Le et each month a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coer la' sed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Log' resen, .payments may no longer be required, at the option of Lender, If mortgage Insurance coverage (in the amount and for the period that lend reglpres) provided by an Insurer approved by Lender again becomes available and is obtained. Bortower shall pay the premiums regmred.t6k b�lain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance v}Itfi any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspectionspecifyid reasonable cause for the inspection. 10. Condemnation. The prance' "fany ward or claim for damages, direct or consequential, In connection with any condemnation or other taking of any part of the Property, or for veyance in lieu of condemnation, are hereby assigned and shall be paid to Lender, in the event of a total taking of the Property, the procee s shallbe, applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the even) of a palaFtal{ing of the Property, In which the fair market value of the Property immediately before the taking is equal to or greater than the amoi�rrl.of lh sums secured by this Security Instrument Immediately before the taking, unless Borrower and Lender otherwise agree in writing, the su0ae scoured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the fallowing fraction: (a) the total amount of ge.imnin secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance sfiaii be paid to Borrower. in the event of a partial taking of the Property In which the fair market value of the Property immediately before the.lilking:``t le s than the amount of the sums secured immediately for the taking, unless Borrower and Lender otherwise agree in writing or unlees�'appli. ble law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are Ihan due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone l e due of the monthly payments referred to in paragraphs I or change the amount of such payments. -. 11. Borrower Not Released, Forbearance By Lender Not a W��Pi, er) Extension of the lime for payment or modification of amortization of the sums secured by this Security Instrument granted by 'tifau rt ny successor in Interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers successors in lot resU Lender shall not be required to commence proceedings against any successor in Interest or refuse to extend time for payment or olherwis I of ify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrow a supcdgsets in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise o1. n� gNI'or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Cq$t no .. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borro�4'er Jeq to the Provisions of paragraph 17. Borrowers covenants and agreements shall be joint an ever y. Any Borrower who ix signs this Security rume Instrument but does not execute the Note; (a) is co-signing this Security Instnt oniyt'mortgage, grant and convey that Borrowers Interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pa ,fti ums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear cattle �n4 accommodations with regard to the terms of this Security Instrument or the Note without that Borrowers consent. 7 13. Loan Charges. If the loan secured by this Security Instrument i5 subject to a 16W.4¢�heet maximum loan charges, and that law Is finally interpreted so that the interest or other loan charges collected or to be collected in codnecdo with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the chetQ`e, tt aepermitted limit, and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Len ed_ r maQpli use to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. Its refund reduces of at, the reduction will be treated as a partial prepayment without any prepayment charge under the Note, - 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering War by mailing it by first class mail unless applicable law required use of another method. The notice shall be directed to the Property'Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 16. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. 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. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrowers Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest In Borrower. If all or any pan of the Property or any interest in it is sold or transferred (or if a beneficial Interest In Borrower is sold or transferred and Borrower is not a natural person) without Lenders prior Milan consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise Is prohibited by federal law as of the date of this Security Instrument. If Lender exercised 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 delivered or malted 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, 1B. Borrowers Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days tot such other period as applicable law may spedy, for reinstatement) before sale of the Property pursuant to any power of sale contained In this Security Instrument; or (b) entry of a judgment enforcing this Sewmy, 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 and default of any other covenants or agreements; (c) pays all expenses Incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorney's fees; and (it) takes such action as Lender may reasonably require to assure that libellee of this Security instrument, Lenders rights In the Property and Borrowers obligation to pay the sums secured by (his Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the 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 paragraph 17, *** OR; 4383 PG; 3939 *** J 19. Sale of Note; Change of Loan Servicer. The Note or a partial Interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer) that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there Is a change of (he Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will stale the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (hat is in violation of any Environmental Law. The preceding two senlences 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. Borrower shall promptly give Lender written notice for 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. If Borrower learns, Cris notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Properly Is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances 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. As used In this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is Ioceled that relate to health, safety or environmental protection. 21. 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 paragraph 17 unless applicable law provides otherwise). The notice shalt specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the dale the notice is given to Borrower, by which the default to at be cured; and (d) that (allure to cure the default on or before the dale specified in the notice may result in acceleration of the sums sector b this Security Instrument, foreclosure by Judicial proceeding and sale of the Property. The notice shall further Inform Borrower of ffigs4 gh((Ib einstate after acceleration and the right Wassail In the foreclosure proceeding the non-existence of a default or any other defense of So war 4o acceleration and foreclosure. If the default is not cured on or before the date specified in the notice, Lender, at its option, may recut jmj"@die payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Secudly Instrument by jgdlci I proceeding. Lender shall be entitled to collect all expenses incurred In pursuing the remedies provided in this paragraph 21, incibdmilpo limited to, reasonable attorney's fees and Costs of the title evidence. 22. Release. Upon payment of af�ufqs secured by this Security Instrument, Lender shall release this Security Instrument, without charge, to Borrower. Borrower shall paY riy re6ordation Costs. 23. Attorneys' Fees. As use in this Security Instrument and the Note, "attorneys' fees" shall include any attorneys' fees awarded by an appellate Court. ,, 24. Rlders to this Security Instrilmedt. 1 one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of as such rider shall be incorporated into and shall amend and supplement the Covenants and agreements of this Security Instrument as if the were a pan of this Security Instrument. (Check Applicable Box) El Adjustable Rote ImprpverAdjustable Rate Rider ti jj gedt:Rider El Condominium Rider ❑ Graduated Payment Rider ❑ 1-4 Family Rltle'( N' .\ ❑ Second Home Rider ❑ Balloon Rider ❑ Biweekly Paym0rltiAder /// Planned Unit Development Rider ElChurls) (specify �'� . } ElSIGNING BELOW, Borrower accepts and agrees to the learns and pow ah!Tntained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it.. ,i Signed, sealed and delivered In the presence of: L. Signature: _ Co. Borrower Address: 4011 Ice._ 6'avtYe_ Way B4 STATE OF FLOR9 A ( J COUNTY OF F I hereby certify that on this day, before me, an officer duly authorized in the state aforesaid and in i a �mrdy aforesaid to take acknowledgements, personally appeared Janine L. Pruitt to me known to be the persons) described in add, Oho executed the foregoing instmment and acknowledged before me that (He/ she/ they) executed the same for the purpose therein expressed. WITNESS my hand and official seal In the County and Slate afo said this 3/ day of _ e W , 20 19 My Commission Expires: Act ubIt Signatu e / (Seal) y's Pri ted ,e Notary s Prinler�Name -(A:+'ry' DEMISE M. FPANR -P'0 1.7Y COh1Al15$IQ4a DD a14119 si EXPIRE@January 14,209 �d.,- afml mrvNiaryP�[4UrAtm"Fr' rile#: 08-126 Co jer County Public Services Division Community & Human Services April 24, 2024 Mogan Crandall Solomon Assistant Vice President and Claims Counsel ATFS Claims Group Old Republic National Title Insurance Company Old Republic Insurance Group 6545 Corporate Centre Blvd, Orlando, Florida 32822 Re: Payoff Letter - Janine L Pruitt & David Joint Hawkins - Folio # 63725001046, 4011 Lee Castle Way, #4, Naples, FL 34112 Mortgage Type Date Recorded OR Book/Page Total Aunount Due Collier County SHIP Second Mortgage File # 08-126 8/5/2008 4383/3937 $20,700.00 Total Due; $20,700.00 Payment should be made to "Collier County Board of County Commissioners" and delivered to; Community & Human Services Division Alin: Blizaboth Hernandez — SHIP Payoff 3339 E, Tamiaml Trail, 2"a Floor Naples, FL 34112 Please include a separate check in the amount of 1� 0,00 made payable to: Collier County Beard of County Commissioners for the cost of recording. If you have any questions or need more information, please call me at 239-252-2903 or email me directly at Elizabeth,HernandezOgcol I i ercounWlgov, Thank you, Sincerely, Elizabeth Hemaandez, MBA Management Analyst I, Grants Compliance Unit Phone:239-252-2903 EI izabeth,Hem andezCcol l iercoan tyfl,gov 3339 Tamlami Trail Easl, Salle 211 - Naples, Ft 34112-6361 23M6MARE (2273) - 239-262-CAFE (2233) , 239.262,4230 (RSVP) , t+n %coliler0ov,ne0humanservices DATE 4M9I24 CHEq(NUMeER 60J010JJ7 ]N�q�Il0usY3t : MMolo>:v Te _;� "L ! Cbsh7M€ryr 'u �1' NVPAat pNr ,; a 042424 OLM392678 041202024 CLM 392578, PRIOR MORTGAGE ON PROPERTY FILE NO. 20700.00 08-128 COLLIER COUNTY BOARD OF COUNTY COMMISSIONERS 3339 E TAMIAMI TRAIL 2ND FLOOR NAPLES, EL 34112 VPNOOR COOS PAY70NAME NETTOTAL SUP-42363 COLLIER COUNTY BOARD OF COUNTY COMMISSIONERS 20700.00 OLD RUBLIC NAYIONAL TITLE INSIJRgNCF CO - peyap161hrou9h 2AYZATA0WO LIDRCPUBLIC'JIILE 11966 — SUITE 260 We1Is WeligfarpO,CenI9( Pal99dr 171l9W �y— MINNETONKA MN66304 hAInRO poIIJ, MN W"479' 912�371.1111 z - - y- DATE S A/2$I2021, -'CHFCKWMBER 602010337 I�r r t x S s Twen udsartr�S¢tren Kund(e and 0d(9D0l�plla(s , , eue4''` a •a.ru xx F . n .q+ r�I; 4�f PHL+4` COLLIER COUNTY BOARObF COUNTY COMMISSIONER9 9H2; i 3339 E TAMIAMI TRAIL .1� :gMOUNT - $20;700.00 , 9 2NP FLOOR a VOIAFTEROMONTHS P NAPLES; .FL34112 111502010317V BATE 4nW4 CHECK NUMBER 802010936 COLLIER COUNTY ROAKO OF COUNTY COMMISSIONERS 3339 E TAMIAMI TRAIL 2ND FLOOR NAPLES, FL 34112 VENDORCOM PAYTONAME SUP42363 COLLIER COUNTY BOARD OF COUNTY COMMISSIONERS NETTOTAL 40.00 OLDIE UBLIq�NATIONAI,SITLEINSURANCECO QLTl REPUBGMO TIM - AYZ/RI�BLVD 'S,UITE PayeWAIHrowh 17-0I07a .* -' ,,, 250 , W0110 Farl,d Enter „"Ir11(4NELONKA MN 66300 :' tyAM bopoll6, MN 66470 8�2 371 7'14 , ` ^ SATE -q/2412Q24, CHECKHUMRER. 662010330 )! ri 1 �,F I P¢' 7n��"�NQr�°l�ara�onty�'*+t.,. ,.:rfa .. p ti q •e. , +,+...... .. ......... u{ r S+Tfleti' COLLIER COUNTY BOARD OFCOUNTY COMMISSIONERS' nv &L3� :;•• 3336 E7AMIAM17RAIL 1 -AMOUNT $1U,00 - 2ND FLOOR NAPLES, FL.34112 VtlIp, AFTER6MONTHS , n i , III 50201033r III 'RECORdAND RMRN TO TIRE SERVICES OF COLLIER COUNTY, LLO. 3363 TAMNM TFL M NAMBS, FL34103 04- 64-1N(Oaq 3393615 OR; 3557 PG; 0732 RRCORDID in OFFICIAL RECORDS Of COLLIER CODITI, FL 05/0612004 at 09:21AX DIIGHT 1, BROCI, CLIRK OHLD 5000100 SECOND MORTGAGE OBLI 5000.00 Pic III 19.50 DOC-.35 17.50 RetO: TITLE SERVICIS OF COLLIER CO PICK OP THIS SECOND MORTGAGE ('Security, Instrument') is given on AprilaW2004 The Second Mortgagor is: Jose V. Rodriguez & Maribelle Mollinedo, Husband and Wife ('Borrower). This Security Instrument Is given to Collier County ('Lender), which is organized and existing under the laws of the United Slates of America, and whose address Is 2000 North Horseshoe Drive, Naplea, Florida 34104 . Bormwerowes Landerthesumot Five Thousand and No/100ths Dollara(U.3.6 5,000.00 3. TNedelelle evklenced by Borrowers Note dated the same date as this Security Instrument ('Second Mortgage'), which provides far ngrtlNy payments, with the full debt, 6 not paid eadier, due and payable on sale of property, refinance, or loss of honeatead exemption . This Security Instmment secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with Interest advanced under paragraph 7 to protect the security of the Security Instrument; and (c) Ifiqg performance of Borrowers covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does .here y Vcond mortgage, grant and convey to Lender the following described property located in Collier County, Florida. !!!!ll j As more particularly described0A\St' Lawrence Park Collier County, Florida and which has the address of: ('Properly Address'):-`23924' at Street Sw., 0-4, Naples, Florida 34116 TOGETHER WITH all the Improvements now or hereafter erected on the property, and all easements, rights, appurtenances, rents, royalties, mineral, oil and gas rights and profits, water rights and stock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by the Security Instmment. All of the foregoing Is referred to in this Security Instrument as the 'Property'. BORROWER COVENANTS that Bbmow f Is ISM fly seized of the estate hereby conveyed and has the right to mortgage, grunt and convey the Property and that the Property Is urie�umbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demandss.,�subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines ynifor_r��covenams for national use and non. niform covenants with limited variation by se jurisdiction to constitute a uniform curity inslrumenleovedhg'real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest; Propayr(renTdrrs Fate Charges. Borrower shall promptly pay when due the principal of and Interest on the debt evidenced by the Note. , I \ Thereon. 2. Taxes. The Mortgagor will pay all taxes, assessTr ants; s/. owar rents or water rates prior to the accrual of any penalties or interest The Mortgagor shall pay or cause to be paid, as the sa.0 a res very become due, (A)(1) all taxes and govemmemal charges of any kind whatsoever which may at any time be lawfully assessed or leyledyag alas or with respect to the Property, (2) all utility and other charges, including 'service charges', incurred or imposed for the operation, lttalnten 0, use, occupancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges that may lawfully ke�p3 dipp Installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to be paid only such Install rr99senrs ayare required to be paid during the term of the Mortgage, and shall, promptly after the payment of any of the foregoing, forward to Modgageeravl4pce of such payment. 3. Application of Payments. Unless applicable law provides otherrvvp'ss`, §11 payments received by Lender shell be applied; first, to Interest due; and, to principal due; and last, to any late charges due under IndNo)e,\` 4. Charges; Lions. Borrower shall pay all taxes, assessments, charge,:IVie? and Impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground refits; Vny orrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph, and all receipts evidencing the.pa Inenl . Borrower shall promptly discharge any lien which has pdonry over this SecbrIty;immant unless Borrower. (a) agrees In writing to the payment of the obligation secured by the Ilan in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lenders opinion operate to prevent the ad omement of the lien; or (o) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Secpi�ty.InkXmenl. If Lender determines that any part of the Property is subject to a lien which may attain priority over the Security Instrument, Laurie aygivj Borrower a miles Identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the gMppgg of notice. 5. Hazard or Property Insurance. eonower shall keep the Improvements new eldsline or bs,{6afer erected on the Property insured against loss by fire, hazards included within the tam'extended coverage' and any Char hazards, Iorhe TpalIloods or flooding, for which Lender requires insurance. This Insurance shall be maintained In the amounts and for the periods That Lende�r'Ogthe . The insurance carder providing the Insurance shall be chosen by Borrower subject to Lenders approval which shall not be unreaso$a'�yly withheld. II Borrower fails to maintain coverage described above, Lender may, at Lenders option, obtain Coverage to protect Lenders rights rn the Property in accordance with paragraph 7, At all limes that the Note is outstanding, the Mortgagor shall maintain Insurance with veep ttothb Premises against such risks and for such amounts as are customarily Insured against and pay, as the same become due and payable, all premiums In respect thereto, Including, but not limited to, all-dsk Insurance protecting the interests of the Mortgagor and Mortgagee against loss ordamage to the Premises by fire, lightning, and other casualties customarily insured against (including boiler explosion, if appropriate), with a uniform standard extended coverage endorsement, including debris removal coverage. Such Insurance at all tunes to be In an amount not less than the lull replacement cost of the Premises, exclusive of footings and foundallons. All Insurance policies and renewals shall be acceptable to Lender and shall Include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. if Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss. Borrower shall give prompt notice to the Insurance carder and Lender. Lender may make proof of loss If not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, Insurance proceeds shall be applied to restoration or repair of the Property damaged. it the restoration or repair is economically feasible and Lenders security Is not lessened. If the restoration or repair is not economically feasible or Lenders security would be lessened, the Insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the Insurance carder has offered to settle a claim, than Lender may collect the Insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums Secured by this Security Instrument, whether or not then due. The 30-day period will begin when the notice Is mailed. Unless Lender and Borrower otherwise agree In writing, any application of proceeds to principal shall not extend or postpone the due dale of the monthly payments referred to in paragraph 1 or change the amount of the payments. It under paragraph 21 the Property is acquired by Lender, Borrowers right to any Insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lander to the extent of the sums secured by this Security Instrument immediately prior to the acquisMon. 6. Occupency, Preservation, Maintenance and Protocllon of the Property; Borrower's Loan Application, Leaseholde. Borrower shall occupy, establish, and use the Property as Borrowers principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Bonowers principal residence for at least one year alter the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances midst which are beyond Borrowers control. Borrower shall not destroy, damage or impair the Property, allow the Property to deledorao, or commit waste on the Property. Borrower shall be In default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lenders good faith OR; 3557 PG; 0733 judgment could result in forfeiture of the Properly or otherwise materially Impale the lien created by this Security Instrument or Lenders security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that. in Lenders good faith determination, precludes forfeiture of the Borrowers Interest in the Property or other material Impairment of the lien created by this Security Instrument or Lenders security Interest, Borrower shall also be in default g Bono'wer, during the loan application process, gave materially false or Inaccurate Information or statements to Lender (or failed to provide Lender whin any material Information) In connection with the loan evidenced by the Note, Including, but not limited to, representations concerning Borrowers occupancy of the Property as a principal residence. if this Security Instrument Is on a leasehold, Borrower shall comply with all the provision of the lease. It Borrower acquires fee Alta to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger In writing. 7. Protwion of Lender's Rights In the Property. If Borrower falls to perform the covenants and agreements contained In this Socurity, Instrument, or there Is a legal proceeding that may significantly affect Lenders rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever Is necessary to protect the value of the Property and Lenders rights in the Property. Lenders actions may Include paying any sums secured by a lien which has priority over this Security instrument, appearing In court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this 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 Irom Lender to Borrower requesting payment. 8. Mortgage insurance. If Lender required mortgage Insurance as a condiilon of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance In effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be In effect, 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 approved by Lender. If substantially equivalent mortgage Insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage Insurance premium being paid by Borrower when the Insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in Ilan of mortgage Insurances Logs reserve payments may no longer be required, at the option of Lender, if mortgage Insurance coverage (in the amount and lot the part L' der requires) provided by an Insurer approved by Lender again becomes available and Is obtained. Borrower shall pay the premiums r qulred to maintain mortgage Insurance In effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in aboord rice' fth any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lenderoils a n�may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to anlns� ion specifying reasonable cause for the Inspection, 10. Condemnation. The proceCC99a 0, any award or claim for damages, direct or consequential, In connection with any condemnation or other taking of any part of the Propeio, or for conveyance in Ileu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total faking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or hot then due, with any excess paid to Borrower. In the gvent of a Iarlfal taking of the Property, in which the fair market value of the Property Immediately before the taking is equal to or greater tharflhe hrn nl of the sums secured by this Security Inslmment immediately before the taking, unless Borrower and Lender otherwise agree in writing, a sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total Mount of the sums secured Immediately before the taking, divided by (b) the fair market value of the Property Immediately before the taking. Any 6V6ce' hall be paid to Borrower. In the event of a partial taking of the Property In which the fair market value of the Property Immediately boloce;,liblaking is less than the amount of the sums secured Immediately for the taking, unless Borrower and Lender otherwise agree In wdlln"r, un(@ags gppllcable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the suro are firm due. Unless Lender and Borrower otherwise agree In writing, any application of proceeds to principal shall not extend or Peal Wm3 the'due date of the monthly payments refereed to In paragraphs 1 or change the amount of such payments. 11 11. Borrower Not Released, Forbearance By Lend r ojk elver. Extension of the time for payment or modif Callon of sanctification of the sums secured by this Security Instrument gragt�oi by Lender to any 3=essor In Interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers succoi me Igqfor at. Lender shall not be required to commence proceedings against any successor in Interest or refuse to extend time for paylerdorollh ho, modify amodizatlon of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or 6 r?o*4 successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the' Or 11' 2f ny right or remedy. 12. Successors and Assigns Bound; Joint and Several Lleb(lliy o- igners. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Bar ' 6 r.subject to the Provisions of paragraph 17. Borrowers covenants and agreements shall be lJoit anOA oral. Any Borrower who co-signs this Socurlty Instrument but does not execute the Note; (a) Is co-signing this Security Inslrumset d91ylo,mortgage, grant and convey that Borrowers Interest In the Property under the terms of this Security Instrument; flat Is not personally oWjg lg Id ay the sums secured by this Security Inslmment; and to) agrees that Lender and any other Borrower may agree to extend, modify, torbgr qi eke any accommodations with regard to the terms of this Security Instrument or the Note without that Borrowers consent. 13. Loan Charges. If the loan secured by this Security Ira lmment is subjEbt9 a law which sets madmum loan charges, and that law is finally Interpreted so that the Interest or other loan charges collected or to be collected 1 con lion with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce'th�ch�r e o the permitted limit; end (b) any sums already collected Irom Borrower which exceeded permitted limits will be refunded to Borrower. antler may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. It are�nq,redyIs principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. ll �p 14. Notices. Any notice to Borrower provided for In this Security Instrument shall be ghvi .delivering it or by mailing it by fins) class mall unless applicable law required use of another method. The notice shall be directed to the; Oroo�dypddress or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender w��ien.gi✓✓eennios provided In this paragraph, 16. Governing Law; Soverebllity. This Security Instrument shall be governed by federal law and thg4av(of the jurisdiction in which tha Propertyis located. In the event that any provision or clause of this Security Instrument or the Note confilgqiswith applicable law, such conflict shell not affect other provisions of this Security Instrument or the Note which can ho given effect whtibtd the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest In Borrower, if all or any pad of the Property or any interest in it is sold or (tensioned (or it a beneficial Interest in Borrower is sold or transferred and Borrower Is not a natural person) without Lenders prior written consent, Lender may, at Its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender If exercise Is prohibited by federal law as of the date of this Security Instrument. If Lender exercised 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 delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to Pay these sums prior to the explration of this period, Lender may Invoke any remedies permitted by this Security InsWment without further miles or demand on Borrower. 18. Borowora Bight to Reinstate. If Borrower meets certain conditions, Borrower shall have the eight to have enforcement of this Security Instrument discontinued at any time prior to the eadier of: (a) 6 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained In this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are Thal 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 and default of any other covenants or agreements; (a) pays all expenses incurred In enforcing this Security Instrument, Including, but nor limited to, reasonable attomeys fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrowers obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the 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 paragraph 17. 19. Sate of Note; Change of Leon Servicer. The Note or a partial Interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change In the entity (known as the'Loan Servicer') that collects monthly payments due under the Nola and this Security Instrument. There also may be one or more changes of the Loan Sa elcer unrelated to a sale of the Note. 11 there is a change of the Loan Servicar, Borrower will be given written notice of the change in accordance with OR; 3557 PG; 0734 paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other Information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that Is In violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quanthlas of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for 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 Sommer has actual knowledge. If Borrower leams, or is notified by any governmental or regulatory authority, that any removal or other remedlalion of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20,'Hazardous Substances' are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, metals]$ containing asbestos or formaldehyde, and radloactive materials. As used in this paragraph 20,'Environmental Law' means federal laws and laws of the Jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Acceleration; Remodlos. Lender shall give notice to Borrower prior to acceleration following Borrower's breech of any covenant or agreement In this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law Provides otherwise). The miles shall specify: (a) the default; (b) the action required to cure the default; (a) a date, not less than 30 days from the data the miles Is given to Burrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified In the notice may raeult In acceleration of the sums secured by this Security Instrument, foreclosure by Judicial proceeding and sale of the Property, The notice shall further Inform Borrower of the right to reinstate alter acceleration and the right to assert In the foreclosure proceeding the noro-exlslence of a default or any other defense of Borrower to acceleration and foreclosure. If the default Is not cured on or before the date specified In the notice, Lender, at Its option, may require Immediate payment in lull of all sums secured by this Security Instrument without further demand and may foreclose this Security Instmmeof yJudiclal proceeding, Lender shall be entitled to collect all expenses incurred In pursuing the remedies provided In this paragraph 2 rfVding, but not limited to, reasonable attorneys fees and costs of the title evidence. 22. Release, Upon'payyyrtentef all sums Secured by this Security Instrument, Lender shall release (his Security Instrument, without charge, to Borrower. BorrowerAal .pay ny recordation costs. 23. Attorneys' Fees. usedthis Security Instrument and the Note, 'ahomeys' fees' shall Include any attorneys' fees awarded by an appellate court. C ` 24. Riders to this SecurityIpslyid�nt. If one or more driers are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of Each such rider shall he Incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as II the dder(s) were a pan of this Security Instrument. (Check Applicable Box) ❑ Adjustable Rate Rider ❑ Ral ❑ Graduated Payment Rider ❑ 14 ❑ Balloon Rider ❑ Biw ❑ Cherie) (specify SIGNING BELOW, Borrower accepts and agrees to the I by Borrower and recorded with It. Signed se lad not dellTrodin the presence of: Witness h�lQ- i`Q'A1.QY1 Signature: ,/^�' `3"I J Wltness42 u h1 iei VIl/-L� Signature: .4 Rider ❑ Condominium Rider ❑ Second Home Rider Rider ❑ Planned Unit Development Rider rind coy} nants contained In this Security Instrumen `srnaturp?. Berr 'or. as V. Rodriguez Signature:,, Co- Bond er. <. ibelle Moilline, In any dder(s) executed Address: 2358<418q' Street SW., #D-d STATE OF FLORIDA / } COUNTY OF I hereby certify, that on this day, before me, an officer duly authorized in the state aforesa`ritl rtd n the county aforesaid to take acknowledgements, pamonally appeared Jose V. Rodrlguoz a Medbolle Mollinedo tome knowiila be {he'gemon(s) described In and who executed the foregoing instrument and acknowledged before me that (Hot abet they) executed the same for Ih/he purpose therein expressed. y WITNESS my hand and official seal in the County and Sta rose ' 0;t ay of 20 � �F' My Commission Expires: Ott Public's Sign (Seal) NoI tys Print Name IVAAMs. MICHELLE P. ROMAN Y 0016001 DID 256832 xytPj EXPIRES OCT. 06, 2007 TOW M//M/lf Nei ROR,N, FileH: 04-113 u.a,wuw.w•�w'�•nwuar,u.uxueyrix+>mv�,.�cwwm. -- - ^+° n ( 11678 . t�t�elJ23`> /1BankUnited= .m, @� TITLE 239 LLC ESCROW 63-9059/2670 999 VMDEaeRT OEACH no Mt 200 HODS, FL 34108 05130/2024 6 PAY TO THE oabEH OF Collier County Board of County Commissioners $10.00 bolLAflS Ten And M100 Collier County Board of County Commisslonoss mErt4o deluxe,'°k9RE�:rJ Relesa Reeading Fr9r 17s9•oo9m 11•0 � as �atr TITLE 239 LLC ESCROW 11678 Tot Colllpr County Board of County Commisdonets 05/30/2024 FroponYAddrms: Amount Breakdown 23981141 street Southwest 00.4 Naples, FL 341J0 Rdrns•Rewrding Aae $10.00 Buyanbormwur. RNdel Cnrda Wean 'Se11er,M bd Mollinedo Mining Agent: Sontag Agent: Jorge Motto spies FrRe:$285,000.00 Amman: : $10.00 Mama: Rolene RecardingFw/175900003 ������� ������� �� April 26, 2024 Megan Schmadtke-Senior Escrow Officer Title 239 megan(a�title239.com J' t Re: Payoff Letter -Jose V Rodriguez & Maribelle Mollinedo r� 2398 4151 Street SW #D-4 `' Naples FL 34116 No payment will be required until the property is sold, transferred, refinanced, no longer Homesteaded, or is no longer the primary residence of the homebuyer. * According to FS 95.281(b) if the final maturity of an obligation secured by a mortgage is not ascertainable from the record of it, 20 years after the date of the Mortgage. Therefore, this is forgivable effective 04/22/2024, Payoff #1 - Mortgage/Lien Type Date of Mortgage OR Book/Page Amount Due Date Recorded Collier County SHIP Second 04/22/2024* 3557/0732 $2,500.00 DPCC Mortgage File #04-113 05/06/2004 + 1,697.41 Rehab $4,197.41 * Zero clue to maturity date Be aware it takes up to 60-90 days for its to take the Satisfaction of Mortgage to the Board of County Commissioners due to our internal deadlines. The SHIP DPCC payment must be payable to "Collier County Board of County Commissioners" and mail/deliver to: Collier County Community & Human Services Division Attn: SHIP Payoff 3339 F. Tamiami Trail, Suite 211 Naples, FL 34112 Sincerely, 2f/M4 � Wendy Klopf Grants Coordinator I wendy.klopf(&colliereountytLgov Community & Human Services Division • 3339 Tamiami Trail East, Suite 211 - Naples, Florida 341125361 239-252-CARE (2273) - 239-252-CAFE (2233) • 239-252-4230 (RSVP) • w�vw.colliergov:neUhumanservices 2813443 OR: 2844 PG: 1163 a;; 1111 330, tau; ""I Ruff tottftg i goo JORM itf utrouu is the OPIUM 11C0111 of COLLUI MM, tl He m 15.11 list 0 toinmi tt 11/s 01111E0111 it 10:5011 D116" 1. theft, cUU OOh,Os 11.55 10a„ 0 unit rs suet SECOND MORTGAGE THIS SECOND MOHTGAOE ('SKU fry Insh-umsm-) is given on August 28, 2000. The Second Mortgagor IS: Roaalaaa tloi ('Bonower'). This Security Instrument Is given to Collier County ('Lender), whkh is organiaed and existing Under the levee of the United States or Amarlc , and whose address Is 2800 North Horseshoe Drive Naples, Florida 3410e Borrower owes Lender the cum of Throe Thooeand Tbrwrr Nundrad Qollare 1, 30 0 -.0 1: ). This ,debt Is evidenced by fr000weyg Note dated the same data as This SecurOy, Instrument ('Second Mortgage'), which provides Tor monthly payments, with us full debt, IT not paid Bather, due and paYsble on isle o! ylteyertY. raliiaanoa or Toe■ oL borraetaaQ axearokloa . This Security Instrument se " to Lender. (0) fM repayment 01M debt evidenced by the Note, win mleresl, and all renewals, exleneTom and mod ficatione; (b) the payment of ant oUwr sums, with Interest advanced under paragraph 7 to protect the wearily or the Security InsUumanl; and (0) the penomurice d Borrawels aevenants and agreements under this ty,instrunrient and the Note. For In CollierihCoun[y.Fknda. ideas hereby second rtlonpage, grant and convey to Lender the following ocelad g dexnb¢i�,{iroparry ('Property Add(e»'): _, the'Propeny. BORROVVER COVENA and convey the Prop" and that generally the title to the Property r THIS SECURITY INSTF jurIsdIcholn UNIFOMCOVENANT 1. Payment of PrkWpt and interest on the debt evdence 2. Tares. The Mortgag Thereon. Neplas Manor Est Publb Mot" of COW" County, Floral► FaIMS2206600007 ectedonthapropady. andaNeasements, rots. appurtenances, rents, ilock and all Tixtures now rt hereafter a pen of the property. All ument. Allot the foregoing is relenedtointhis S%orityinsbument as f of the estate hereby conveyed and has the right to menage, grant apt tot encumbrance of Treed. Borrower wrertams, and will defend b)ect to any encumbrancer, of ieoont M rev, nao" tiger and norrunsonn cnvanants with limitedvariaeon by ropefty. and agree as follows: .aft Charge. Borrower shall promptly pay when due the principal of Wot\ rent, or water rates prior to the accrual Of BAY penalties or Intorest ...... a... uvn.IT.—.aM nnvammedal ch&oe9 of :IUdeaatsTykrtfmNtgaOe ciauge, Lendershallhave ly give to Lender all receipts of paid premiums and a caller and Lender. Lendetmaymake Pmoloikm shall be applied toreetorabon orrepak of dre Property is not lessened. 11 the restoration or repair Is not shall be applied to the sums secured by the Security bandone Ina Property, or does not answer within 30 Lender maycoltsct the insurance proceeds. Lender iecuriry lnewma+l, whedror ornolMert due. The W Aga gorge In wrifinn. anv apoileailon of proceeds to ••w,ed.wp OR; 2844 PG; 1164 toad o Instrument and Shall continue to occupy the Property as Sorfowaes principal residence (oral bast 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 Borrowers control. Borrower shall not destroy, damage or Impair the Property, aloes the Property to deteriorate, or commit waste on the Property. Borrower Mall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lenders good faith judgment could result In forfeiture of the Property or otherwise maledally impair the lien created by this Security Instrument or Lender's seonly interest. Borrower may cure such a defaufl end reinstate, as provided in paragraph to, by causing the action or proceeding to be dismined with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrowers Interest in the Property or other material Impaim»nl of the lien created by this Security Instrument or Lender's security Ulenrstorrowor shall also be in defauh if Soinower, during the loan application process, gave materially false or inaccurate Information or stalamenls to Lender (or failed to provide Lender with any materiel information) in connection with the loan evidenced by the Nola, including, but not limited to, representations mccorning Soncwers occupancy of the Property as a principal residence. Ifthis Security Instrument is on a Wambold, Borrower shall comply with all the provision of the lease. if Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unites Lender agrees to the merger in writing. T. Protection of Landoes Rights In the Proporty.lf Borrower faits to perform the covenants and agreements contained in this Security Instrument, of there Is a legal proceeding that may significantly affect Lenders rights In the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Larder may do and pay for whatever is remmlry to project the value of the Properly end Lenders rights in the Property Lender* actions may include paying any sums secured by alien which has pnority over this Severity Instrument, appearing In mud, paying reasonable afiomayd fees and onto" on the Property to make repairs. Anhough Lender may take action under this paragraph 7, Lender does not hove to do so. Any amounts disbursed by Lender under this paragraph Meli leafy ,' add0ional debt of Borrower secured by (his Security Instrument. Unless Borrower and Lender agree to other terms of DaymenL Ihett %6q Of shall beer Interest from the date of disbursement at the Note meta and slhY payable, with interval, upon notice from Lender to Cr0 � roQuesling payment. S. Mortgage y r)J ca: If Lender required mortgage Insurance as a condition of making the ban secured by this Security Inelrurnnt. Borrower shell p§y thb remiums required to maintain the mortgage insurance In eHeclf, for any reason, the mortgage insurance overage regmreQ y). '' 091 lapses or mass$ to be m effect, Borrower shall pay the premiums required to obtain overage substantially equivalent to the" n a .y nsurenm previously In effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously Idam an alternate mortgage Insurer approved by Lender. It substantially equivalent mortgage insurance overage is not aveilaall4depach Borrower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower when 1pe.in It once overage lapsed w cased to be in effect. Lender will accept, use and retain these payments as a lose reserve In lieu of 09rlgeg insurance. Lose reserve payments may no longer be required, a1 the option of Lender, if mortgage insurance overage (in the ompu and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and Is obtained. Bon " r shallA ffthe premiums required to maintain mortgage Insurance in *fled, or to powde a loss reserve, until the requirement for mortgage Idea 'reage tad$ in accordance with any written agreement belweon Borrower and Lender or applicable law. (� g. Inspection, Lender or its agent fasYYyyai k'iXeesonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an insparq'Ion stao'hing reasonable mum for the inspection. 10. Condemnation. The proceed* ofteiij ,� orrbb or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Propgr!ry!�i 7! fef. nveyenCe in lieu of condemnation, ere hereby assigned and shall be paid to lender. In the event of a total taking of the PropeRy:lha gl ads shall be applied to the sums nodded by this Security Instrument, whether or not then due, wits any excess pain to Bonott4C'o r, �g7, ,went of a partial faking of the Progeny. in Wfilch the lair market value of the Property immedimmy before the taking is equal tog 9reele .hen the amount of ilia sumo mcurod by this Security Instrument immediately before the taking, unless Borrower and Lendey olhb U ,jq ae m writing, the sums secured by this Security Instrument shall be feduoid by the amount of (he proceeds mukipihod by the b h Ion (a) the total amount of the sums soared Immediately before the taking, divided by (b) (he fair market value of the Properly Immb „tl1 (mho taking. Any balance shall be paid to Bommin, the event of a partial taking of the Property in which the fair malket vi e l e1 ray immediately before the taking is less than the amount of the come roared immediately for the takingrowe , unless Borr an en e o rwlso agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the euma secured by this 1 hilikI ument whether or not the sums ee then due. Unless Lender and Borrower otherwise agree lambing, any eppllmtlon of pr di t "gruydpal Melt not extend or postpone the due dale of the monthly payments referred to in paragraph$ I w change the amount of ip P, If , s 11. Borrower Not Roteuod, PorbeanncaeIf Lander Not a W vef� at Sion of the lime for payment or modification of amortisation of the sums secured by this Security Ins tiumenl granted by Led�er.yy""��,,•t�•dy ucoanor in interest of Borrower shall not operate to miss" the debility of the original Borrower or Boa owrora a aim m inleI. it, r shall not be required to commence prooedings against any successor in interest or refuse to extend time for payment or olherwl I Ify amorluallon of the sums secured by this Security Inshum rml by reason of any demand made by the original Borrowefor Borrowers suecaegoya In interest. Any forbeefandi by Lender In exercising any nigh( or forcedly shell not be a waiver of or preclude the exerctse M an}nf l or}emedy. 17, Baccosson and Assign Bound; Joint and BawnI LAbit lry; Co4l".. �irype VManta and agreements of this Security Instrument shall bind and benefit the successor* and assigns of Lender and Borrower', subte" qt Provisions of paragraph 17. Borrowers covenants and agreements shell be jolnl and sev6r, ray rower who co-signs this Security Instrument but doge not execute the Note; (a) Is co-signing this Security Instrument only to, port a; rant an convey Usl Sorrowers Interest In the Property under the terms of this Seodty Inebument. (b) is not personally oblipa 6pty, sums secured by this Secunty Instrument; and (a) #gross that Lender and any other Borrower may agree to extend, modify. toy"ao'r, like any accommodations with regard to the la m%of this Security Instrument or the Note without that Borrowers consent. . i 13. Lan Chargas. If the loan secured by this Semrily Instrument le subject to a law vmlch,sit maximum loan charges, and that law is finally Interpreted to that the interest or other loan charges collected or to be collect in Fq�¢rtedY6liwith the loan exceed the Permitted limits, then: (a) any such loan charge Melt be reduced by the amount necessary to reduce Us charge to tha permitted xma; antl (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may chose to make this refund by reducing the principal owed under the Nola or by making a direct psyment to Borrower. if a refund reduces principal, the reduction wilt be treated as a partial Prepayment without any prepayment charge under Bra Note. ta, Nolkos. Any notice to Borrower provided for in this Secunly Instrument shell be given by delivering it or by mailing it by oral dace mail unless applicable law required use of another method. The notice Mail be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shell be given to Borrower or Lender when given as provided In this paragraph. if. Governing Low; 7sevenblllty. This Security Instrument shall bo governed by federal law and the law of the jurisdiction in which the Property is looted. In the event that any provision or douse of this Security instrument or the Note conflicts with applicable low. such connicl shall not affect other provisions of this Security Instrument or Ihllote which cen be given effect without the conflicting provision. To this and the provisions of this Security Instrument and the Note are declared to be severable. if. eomovses Copy Borrower shell be given one conlcrrned copy of the Note and of this Security Instrument. 17. Transfer of In Properly or a Beneficial Interest In Borrowerll all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in 130"Mar is tad or transferred and Borrower is not a natural person) without Lenders poor written mount, Lender may, at He option, require immedisle payment in full of all sums secured by this Security Instrument However, this option Mail not be exercised by Lender it exercise IS prohibited by federal law as of the dale of this Security Instrument. If Lender exercised this option. Lender shell give Borrower notice of acceleration. The notice shag provide a period of not feu than 00 days from the dale the notice is delivered or method Within which Borrower must pay all sums seared by this Security Instroment. If Borrower faits to pay them 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. is. Borrowers Rlghl to Reinstate If Borrower Meet$ Certain conditions, Bondav hen have the right to have enforcement of this Security Instrument discontinued at any time pror to the earlier of: Is) 5 days (or such other period as applicable law may specify for rednslatent before sale of the Property pursuant to any power of sale otnlained In this Seonly, Inalrumenl; or (b) entry of a judgment mbolcd.wo *** OR; 2844 FG; 1165 *** FORS 0 enforcing this Sammy instrument. Those conditions are that Borrower. (at pays Lender all sums which then would be due under Ihts Security Instrument and the Note as it no acceleration had occurred; (b) cures and default of any other covenants or agreements; (C)Pays all expenses inwrred in enfo(drlg this Security Instrument, Including, but not limited to, reasonable eltortey's fees, and Id) lakes such action as Lender may reasonably require to assure that the lien of this Security Inalrumenl, Lender's rights in the Property and Borrower's obligation to pay the sums secured by thin Security Inshument shall continue unchanged Upon reinstatement by Borrower, this Security InsWment and the obligations secured hereby shall remain fully effective as if no acceleration had Occurred. However, this right to reinstate shall not apply in the use of acceleration under paragraph V. iS. Sale of Note; Change of Loin Sarvlcer. The Note or a partial Interest in the Note (together with this Secudly Instrument) may be sold one or more limes without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Service() that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Lo diervicer, Borrower will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will stale the name and address of the new Loan Servlcer and the addrem to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or Permit the presence, use, disposal, storage, or release of any Hazardous Substances on or In the Property. Borrower shall not do, nor allow anyone else to do, anything attacking the Property that is In violation of any Environmental Lew. 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 Borrower shell prompllpppppp;giie' antler written notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory epency or pie pprh; Involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If BOr,O r yea n�'tor is notified by any governmental or regulatory authority, that any removal or olharnedialwn of any Hazerd0ua Substance af(yytlfig ffi�'Propany true m"aesary Borower ahalI promptly leka ail necessary remedial actions In accordance with Environmental Law As used in thin Or, 204 Haza pus Substance" are In substances defined net or hazardous substances by Environmental Law and the Following eubaft` m eeolin� "'cane, other flammable or toxic petroleum protlucts, Foxe peaecides end heml[Mes. volatile solvents, materiels conlelninp eapetit s'or ormesd hyde, end radaaW've meleriUs. All used in aragraph 20. `Envlremmenlel LaW'mean. federal lows and lava of the jurisdiction where lea Property is located that Water to health, safety or enylro mental protection 21, Accatsnson; RemodV C'L#,rid shall give notice to Borrower prior to accleration following Borrower's breach of any covenant or agreement in this SecunlylhhVr nl (but not prior to acceleration under paragraph 17 union applicable law provides otherwise). The notice shall specify: (a) th defaull� b) the action required to cure the default; (e) a date, not less than 00 days From the dale the notice Is given to Borrower, by whi - the del uh(�("nust be cured; and (d) that failure to cure the default on or before the date Weoifed in the notice may result In acceleration of the au;islac, d by this Security Instrument, foreclosure by judicial proceeding and Bale of the Property. The notice shall further inform Borrower 61, 6[[�iphl to reinstate after acceleration and the fight to snort in the toreclosure proceeding the non-existence of a default or any bl))erdg/aApe of Borrower to acceleration and foreclosure. IF the default is not cured on or before the dote specified In the riogc, Lender, of itC�fq.p1S0 'TlnAir require immediate payment in full of ail sums secured by this Socurily Instrumenl without rurthertlemand antl may lorecbee.�3 T.Nacu jlrmlnlmenl by judicial procesdin0, Lender shall be entitled to collect all expenses incurrsd in pursuing the remedies provided In' la P[ ?g ph 21, including, but not limited to, reasonable attorney's fees and meta of the title evidence. 22, R&leass. Upon payment of all sums secured s Aan charge, to BorrowerBorrower fly is Se ly InsWment, Lender shall release this Security Instrument, without . u pay any record alion PA ts 23. Attorneys' Fns. d In this Sammy Inelrurlisst endQd 1, 1, Nole, "ettomeys' lees" shall include any attomeyi lees awarded by an appellate mutt. _ - -- `" - -- - 21. Ridan to this Security lmlrument.11one or more tS eaned by Bortawar and recorded together with this Security Instrument the covenants and agreements of each such rider shall in I led Into and shall amend and supplement the covenants and agreements of this Security InsWment as If (he rider(.) were a pogytie'. mdty Instrument (Check Applicable Box) Adjustable Rate Rider Graduated Payment Rider Balloon Rider Rate Condominium Rider 14 Family Rider t", Second Hone Rider Biweekly Payment Rider '0-_ fanned,, Unit Development Rider Biweekly Payment Rider ,.P, Other(s)(specify SIGNING BELOW, Borrower accepts and agrees to the terms and covenants mnteid :I:r hs'Sacurily Instrument end in any riders) executed by Borrower and recorded with it, Signed, seated and delivers the proegpee'IIYDr \{/�' t r Wanes Signature:_ Borrower Rou�i— Witness Print Name: \ Sipneluro: "----_ Borrower °' Witness Signature: ([`� Witness Print Nome: I (t sye rn i h•'n f t Address: 5361 Holland St. Naples, Florida 34113 STATE OF_Flohda_ COUNTY OF--Coliler_ I hereby certify that on this day, before me, an officer duly authorized in the state aforesaid and in the county aforesaid to lake acknowledgements, personally appeared Rosalene Slot to ms known to be the Persons) described In and who executed the foregoing Instrument and acknowledged before me that HE/ SHE/ THEY executed the some for the purpose therein expressed. WITNESS my hand and official seal In the County and Stale aforesaid this August 28, 2000. M Commission Ex ire&: �-- [ ��en'w LAURENI BEARD y p N le Public's alu N FIPMNIAIMWS a el 1111tl P ry t ,. 1 0.."s� rxnxea w^..:cur (SEAL) cdmled.wo April 8, 2024 Tamil Selvan Title Support Specialist Clearance Department Re: Payoff Letter-Roselene Eloi S361 Holland St Naples, FL 34113 No payment will be required until the property is sold, transferred, refinanced, no longer Homesteaded, or is no longer the primary residence of the homebuyer. Pavoff 41 - Mortgage/Lien Type Date Recorded OR BooldPage Amount Due Collier County SHIP Owner 6/18/2001 2844/1163 $0.00 Occupied Rehab Second Mortgage File #00-012R This Loan has met its affordability period, and a Satisfaction of Mortgage will be taken to the Collier County Board of County Commissioners for approval. Sincerely, ?&&t y � Wendy Klopf Grants Coordinator I 3339Tamiami Trail E #211 Naples, FL 34112 239.252.2901 wendy.lclot)fta,collie rcou ntyll.M Community & Human Services Division • 3339 Tamiami Trail East, Skills 211 • Naples, Florida 34112-5351 239-252-CARE (2273) - 239-252-CAFE. (2233) - 239-252-4230 (RSVP) - vmv.colliergov:nef/humanservices INSTR 557872S OR 5527 PG 409 RECORDED 6/28/2018 3:59 PM PAGES 2 CLERK OF THE CIRCUIT COURT AND COMPTROLLER, COLLIER COUNTY FLORIDA REC $18.50 Prepared by: Wendy Klopf Collier County Community & Human Services Division 3339 E, Tamiami Trail, Building H, N211 Naples, FL 34112 THIS SPACE FOR RECORDING ✓ F RELEASE OF LIEN KNOW ALL MEN Y(�JHESE PRESENTS: That Collier County, whose post office address is 3299 E. Tamiami raj}, N"tples, Florida 34112, the owner(s) and bolder(s) of a certain Impact Fee Waiver Agreements 4cuted by Immokalee Habitat for Humanity, Inc. to Collier County, having met th�5 year affordability housing obligation associated with the $80,203.71 of SHIP Impact Fee Waivers; otlwhich is hereby acknowledged does remise, release, quitclaim, exonerate and discharge from t�j ' lien and operation of the said agreement, that certain portion of the premises conveyed by sai'd4ien, more particularly described as follows: The undersigned is authorized to and '( named properties, and consents to these said properties. This Release of Lien was approved b, &lYmc 071.0 2018, Agenda Item 7n ATTEST.•'CRYSTiCL;_ anv� �Assistant County Attorney Exhibit A release these Liens with respect to the above- g forever discharged of record with respect to BOARD OF COL M of County Commissioners on *** OR 5527 PG 410 *** EXHIBIT A Various lots as listed below for, Naples Manor Extension, Amended Plat according to the plat thereof recorded in Plat Book 3, Page 101, of the Public Records of Collier County, Florida. BCC 15-year Impact Impact Fee Resolution 0 approval CO date affordability Legal Description* Fee Amount dnte', end date (OR/Page) 94.377 6/7/199. . ",AFI; 1995 9/21/2010 Lot I, Block 5, Naples 1956/0918 $6,169.52 Manor Extension 94.378 6/7/1994 ' �_,2l2' /1�9,5 9/21/2010 Lot 2, Block 5, Naples 1956/0924 $6,169.52 .� Manor Extension 94-385 9/7/1994 12/S% Naples 1956/0966 $6,169.52 son Manor Extension 93-468 6/7/1994 6/201994i' 76/24/2009 Lot 22, Block 4, Naples 1956/1065 $6,169.51 Manor Extension 94-379 6/7/1994 4/8/1996' -: "4/81 Oil Lot 27, Block 4, Naples 1956/0930 $6,169.52 Manor Extension 94-383 6/7/1994 12/31/1995 "•_, I.2/3:/2ad0 Lot 28, Block 4, Naples 1956/0954 $6,169.52 Manor Extension 94-382 6/7/1994 2/1/1995 C ` 1 2/1/0•�0 Lot 30, Block 4, Naples 1956/0948 $6,169.52 ,\ , Manor Extension 93.471 6/7/1994 6/3/1994 ,, 6/341)��l),9 Lot 45, Block 4, Naples 1957/0299 $6,169.51 Manor Extension 94-381 6/7/1994 7/26/1995 ' 7/26/2010f Lztr ,Block 7, Naples Mary.; xtension 1956/0942 $6,169.52 94-3% 6/7/1994 7/31/1995 7/31/2010 -;,LtS 1956JO912 $6,169.52 Q,I31ock8,Naples � hldb��tension 93-465 6/7/1994 6/24/1994 6/24/2009 Lot 33;•, I' ek 11,Naples Mano .' X4 51cm 1956/1093 $6,169.51 93-466 6/7/1994 6/24/1994 6/24/2009 Lot 34;,, 1`oc ;- •,Naples 1956/1079 $6,169.51 Manor Ex_ ns' n, 93-464 6/7/1994 6/3/1994 6/3/2009 Lot 32, Blo,c _, 1. aples Manor Extelsio . 1956/1086 $6,169.S1 *** OR: 3557 PG: 0735 *** Exhibit "A" Apartment D-4, St. -La/wrence Park, a Condominium, as recorded in O.R. Book 577 Pages 588 through 639, inclusive, of the Public Records of. Jollier County, Florida, as amended. -7t! File Number: 04-04-N698 Legal Mscdpflon with Non rfiotnatwd Closets Choice 2669811 OR; 2704 PG; 2693 olto 11tc,ol fast C0tL111 CO,In4 1001110 pcoull) III th 0IIICIIL WOW of COL1111 051111111, It OILI 1131,10 2,00 1 IOID11101 bit 0713112010 at 01:121101101} 1. 11001, CL111 OC 111 11110 raa o WLII It 14101 10C',00 VAI SLCOND MORTGAGE THIS SECOND MORTGAGE ('Security Irmillument•) is given gn Aplli 11,1999• The Second Maigapor Is'. Gone and Ann Lai (-B,Ra f. This Security Instrument is given to _ _ ,_'o l l i e r County _ _._. _ _ ..('Lender'). which is oroanlled and existing hider the laws of the United States of Amalca, and wtaee address Is 21foo Nal t it Florida 34104 . sabers owes Lender lee sure of 5. 'TM• •...s S —" .,.,.r - �• dollars (U,a,, fO (�'S E' , 00 ). The ,debt is evidenced by Bprowe's Note dalod the SO& data m this Security;W"a et ('SOcafd MOfli)IIQO•), MWA pnovdas la nonthty paymenls, with the full debt, It not paid earlier, due and payable on sale of P _ till ri 1 r hnae.tead ereeDtion . This Security lmtnxnont smarm to lender (a)Iho repayment of the debt evidenced by tM Nde, with Interest, and all renewals, extensions and modifications; (b) the payment of all Outer .ems, with Inleresl advanced tnda oaapreph 7 to protest the seeudty d the Security InslrumenC and (c) the PoffOmwwa d garden la oovermrms and apfeamentie (alder INs SacaXy, lialneem and the Nee. Fa tole purpose. Bonawer does hereby second roo agave, grant and =Way to Lender the fol�ng destdbed property located in _co 1 l i o1__ County. Fonda. More particularly deec bed, F e t xt,.l ,= and which has the address of ('Property Address'): _5� aa sea ec- _nvv_.w lea, Florida .34116 -err, _;fw-- TOGETHER WITH Bill , - enema now IX hereafter erected OR the plopary, and all easements, rights, appurtenances, rams, royslles, mineral, dl8nd gee dphIS and Craig, water ftphis and Block and an fixtures now a hereafter a pan of fee Property. All re "icier arlts and addbore ahem eb0,l?e o0 { by the Security Mleamd. All of the 1«ogdrq Isca retained to in this Soiryh Imunxnt as the 7rody' pe. BORROWER COVENANTS Owl is fearfully seized of mute thereby a vadNaMer ell d ��r v as the arrant e0R0200, meet and OorIni thr Properly eta teal Ind PropaRy uulrorw ooaad ceW aerleraay the age W the Property eaalwt am I Meer to any emoo brar,cm of roeord. THIS SECURIT' W STRUMENT oor i ogn e, amnh e, mnonal use and non unllorm covenants with limited variation by 1W.dldlan o oomtyWe a trdlorm Security in, t pbtBring real pOpedy. UNIFORM COVENANTS. BlxI a , Bpg and Cher as (lbws; pronViy err t. UNIFORM M CO rKIPWENANTS and chit i, P 4Wf land Charges, Strive; a anon wean duo Ina pr,rcipai of and Informal on the debt evbawe0 by rig Net, `J.,• 2. Tax". TM MarlOevor will Pay all tares ArA _ `.ewer rent. or "far hales cola to the accrual of any penalties or Inlaesl f Larsen. The MWIW at1011 pay or ad we to be pa, as Ihprsama,. per wall bec«ne du,, (AHI) as W. and aovernmentai chegaa or any kind whatsoever ~may at any Brae be lawfully assegg�d�H /�01 pained m with reaped to nle Property, (2) all utility and inks chwpg�ea�, �knd�udkV'"Mry chomm', Incurred a Imposed la t�he��op§"�r J"bn} inlammiti, use. occupancy, upkeep and improvement of the prepMy, and (3) 81 a/lasamanls o deaf QWerralenleI oyaQee'Ulpl �\Mw1YNy be pad In aylaim,nrl over a period of yearn, the hlagaga s4MX be wow under the Mortgage to Pay a cewe td ¢e'P@ ottly such Installments as are requlrad Ian be pad during the Isnn of the ksatg.ae, and shall, promply aft. the payment of any Of the. ere ' forward to Mortgagee evidence of such paYmpt. 3. Applkali a1 PaylnaMa. Uniees agoicade law provides tSi iw'I3S. aU Mmilfols 100Nved by Leda"Lae applied: arsf. lO Interest der; and, to primmer der; and last, to any late charges der undet, a Charaaa; Uses. Baronva shall pay ay lazes. asseaemada, Chu' s; ryrwe`a�rd imposition aKnbulahls to ow Plopaty Which may ataIn priority over this Saw* Insthp , and lefellt0laf receipts1or Q err/. BotOw'Bf shall D�rhWY hJrrysh to Carper all notbes d amounts to be Paid under aye paprepb, ends r"o a r this ,,. �)n 1 Y�nts• aOwOw'ar anise Wairi discharges any yen vrNdtsee Cradle erne to wWmere In go Saith the (a) agrees inwring b tlw paym.d d roc odlpeUon eewred W Ind Wen m . rn.rinw acceptable to Lender, (4) mnimla In goal faith Ind Ilan by, or do(andit(c) agNmt alboamed d the Ilan In, opal proteedklDs whisk In the Lerdeye opldon q)e{atat6pyvenl the enlorterMm of the Ilan; a (y aectr.a fron Ind floda d the Ilan on prepKKy asUefSdory to Laden eubadinetlnp 1M flibb lag Ihia Security Inslmmenl. Il Lands delernhifhes That airy pad d the Properly b etlaecl to a Ilan whits may eosin priority ova'ltls ty instump6 Lads may give BOIIpM/a ► IIOgw kbrlafyyg Ind Ilan• ea(QYer etMil aalbly iM see a lake one a mere or U��, sot lone above wI1Nn 10 days of Urs an4p d nglke. .. 111 a. Raved a Preparly IMuranu. Barowet ehatl keep the Improvemenle raw ezlsgat�e� tar aectao an the Property IlgaOd aQ,Nlai bse by nro, hasard.Inclwed Wt W n Uts lamt •exlerwed coverage' area any door yy as; inchdlnp no«fs « noom he Ian wMch Canter regWro. insurance. This bpurer,ce ehdl he rt,alnlakled In Ihe amarlts end Ialfie der' a}he! Lender regaros. The Inatrannpe ranlar pravdl,g Ind insurance .hen he fhwp by Borrower subjml to Lerdeys atwmval whiC 'Sh�il pl t)B unreasonaay WalyleN. N Borrower faits to malnleln WverapO described abOVl. Lends may. al LBndBre option, Obtai�nco VeraQB b pI01BCl Laame whiny M fM to ft Pr in stew a a l with paepreph I a all gores that the Ni; le Wlal Imo, the MottQaga shah maintab Insurance data rW ati b ahe Premiere aQBinst ouch deka and la nwh growers nor to a, cwtrW h lm owned tolwl and pay, es s o same become due ono gayabe, a, prema e, In m to Imthereto, iglu ing,by col not arrdtea o, her roc kattles prdecup Ind d against of Ind kyorlppa e-n�'d_ �a li'oun, W as aaWrl owe a duns b W Pro OXt M era, coverage e and nth. ra.cludk debris�Iorrremfy oval coverage. erage. ea(eich ins hiller at Ind ti.��,. a o be In kle), wish a et uniform slendad extended eritc; of the exkg deals r otirig l anyape. SUch Irlsuragoa at erg lkfles n be In an poi Ater not roes IMn Ind IWi replacerwnl cos of Ind Pdshall exdealve of and ino .d is dams. L s. An IMirance pdkla. and renwwa4 shall Le acceptable wal, to lender and shell Include i standard Lard rt,Mpgoe claws. Londe shell Mw Ind fief" to now Ind poach..,d reneWaM. N Lender regyroe, Burrower shall prpglly give to Lends all receipts of pad Premiums and reMwN ndkM. in ft event of lose, Borrower shell give prompt We to the insurance carder and Lender. Landermay make proof d iwa B nd nNde plomptry M B«rowan. LIMas Lender and Borrow« dMrwlee gore" In writing, Insurance proceeds shall be applied t0 restoration a repair of the Property damaged, If file fBstaalion a fopalr to mowrnialily feasible OM Lender's swumy is «,t luaam,w a mo rwto,;nan....op.vr .. no, ec«wrrN.[I, roorblu o, L.Woi..ecurin wood bur lo..onod. Ilr mawa«:o µ.t. chase Iw agyiul b. t4o x«,u —I.-I by Iho Security, imlnrea 1, wThalha IX nol then due, with any Steams pad to Borrower. II Borrower abandonsthe Prllperty, a dogs iat answer wlQfln N gay, a We 2fan Lender iml the mWanve caner has gnaeo Io eeule is clelm, awn Londe, may comet the ,r,swance pMomda. Lander My me the proc"m to repair. restore the Properly or to Coy some 1.urad by this Security Inalrurnenl, wMthw or not than der. The 30-day, period will begin when the notice is malkd. unless Larder and Borrower otherwise agree In writing, any appacMMrl d pfOraede 10 pdnGpd shad nd eaend IX PasWone Ind due dale d Ind nonihy payments relarod to in paapreph t a charge fM amawl1 d the payments. II Ueda paragraph 2l Ind Pr(gedy ts acquired by lender, eoroweys niphl to any Insurance poloes and proceeds r«Wang from denupe to Ind Property prior b iM ecad.itbn .Mil peas o Lends to the extent of Ind Bums secured by This Sewryy Irolnxnant ImmedMlaly DAa b the acpyaliat. a, OCEUpalpyl PfeaarvaBatl IAagNfltataa anp RONctlal got tilts Prapalyi agnpwafa Lop Appacpan, Leaseinolda. &xrowa shell Ogggpy, asbalah, and we iM Properly es 6orowa'e principal roaderce w1Uln sixty Gaye alter Ind exocullon d ten, aecurlly Inelrueanl and shell conlinw to occupy Ind Property as Borrowofe pdrwipel roedenca I« el toast one year aXar the data d vcbp3W,rp OR: 2704 PG: 2694 10" o acug,ency, uneas Lender o bowie se agreed In writing, which aonsont shall but be au.aaonably withheld, or unlods extenuating clrorrulances exist which are boyabu Borrowers wnImL norrower shall rot de dmy. damsc , or impau the Properly, allow the Properly to detMlo(61e, or com mil wale on the Prop". Barowef Shag be In default It any fodollure Kum or proceeding, V*Vw civil of criminal, Is begun thel to Lenders good faith Judgment could ben In forfeiture of the Property or otherwise matartany mpalr the Iron croatad by bad security Instmmmtl w Lei Aces security Interest. Bonower may curb each a default met m,n.late, as prowdeJ m paragraph 18. by cawing Me action or Isrm"dino to be dismissed with a ruling that. in Landoes gad learn determination, precludes lOdeiture of the Bonowers Interest In he Property a dher material impairmenl of the lien created by this Security Instrument or Lender's security Interest. BOnaYw shall also be In ddagn If Borrower, during the ben apprcetdn placed., gave manumlly robin or inaccurate Information or slatameala to Lender (or failed to provide Lender with any material Interruption) in connection with the loan evidenced by the Note, Including. but rot Hnelod to, representations concerning Borowers occupancy of the Properly as a Principal bundenco. It this Security Instrument Is on a leasehold. Borrower shall comply with all the provision of the lease. It Borower acquires tee title to the Property, the leasend and the fee title shall rot merge unless Lender agrees to the merger in writing. 7. Protection of Loader's Rights In the Property. If Borrower, falls to perform the covenants and agreements contained in this Socudty Inducement. or (here is a logo] proceeding that may significantly affect Lendors rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfulture of to enforce laws or regulations), then Leifer may do and pay for whatever is necessary to proled no Value a the Property and Larders rights In the Property. Lenders actions may include paying any sums secured by a Ilan which has priority over into Secudly Inal'urni eppearlrg In court, paying rooson.ble Mornay.' food Fret oniemg on the Property to make repairs. Although Lender may take slogan under this paragraph 7, Lender does not have to do so. Any amaints disbursed by Lender under this paragraph 7 shall became additional debt of Borrower secured by (his Security Instrument. Unless Bommel, gild Lander dense to other terms of payment, time amounts shall beer interest from the data of disbursement at the Note rate all snail bit payees, ynlii in))))))brabL upon ralictl from LaMar Ip Borrower requesting paynwnl. a. Me,tpd�i5ia. II Lender requlrod ax+doapa Insurance as a condition of making the loan secured by this Security Inslmmenl. Borrower ekall the wemhms required to maintain the merdamia insuranco in allant. IL lot any reason, the monolog in.umnce Beverage raQir bLgndor lalwoa or eaasos to he in affect. Borrower shall pay the premiums required to obtain coverage BBbelaMlaliy BquIV6 B 11O fl mgllg, a (nSUtence {aeYbuely In 6ffecl, at a f051 aubatandlaily oqurvalonl to the cvsl to Borrvnar of into mM9age Inewa,we wev sly In ecv, Iran en aliomate mat9ape Insurer apwavod by LOMor II subslantiatiy oguivatnni mortgage Ine1x81aA oovarape M rid evaili f1,ry6�a,1if3ker shall paY to Lender each month a sum equal to one•taeMth of the yearly mortgage insurance p gm xn Pag gy 6o f9yro ;rv, (M naunanw wvo ape apaad or cerium to bo In elect. Lb,gar, wig accept, roe and retain inese paynwnU u d bee reserve In IloVol,rodaaoo mevrvnco. Load,.a.,. payment. may no lager bo mir.ead. at the option of Landed, it Inprloage InalgaM9 mvarape (in Iho. emounl qM to Me pared hat Lender moultes) provided by an insurer approved by Lender again DBc0111eS ova leNe and IS OD191fhBd, Bq(pwer ll pay the prerNum3 required to malntaln mortgage Insurance In ellml, or IQ provide a loge fO6O1Ve, UMII Iho reglgfamall) nor nor{ Instmnca wla In accordance with any wriren aoreement between Borrower and Lender or applicable law. •_ 9. Inspection. Lender or its agent,m,pfile a ro nichabla entries upon and inspactans of the Property. Lender shall give Borrower Police at the Irma of a prior to an in pec(kni .!Nlfg (easonable Cause (or the InsPeclbn. 19. Condemnation, The proceedd tf y:award or claim for damages,a direct or come inenual. in , n necbon with any ceal.mneooll or other taking of any pan of the Ptblierly q rw corwaya,tce in H. of condemnation, are hereby Fsaigned and shall he pats to Lerxfer. In tlw even d e total Ukinp d rho pmparyylF Wotoeda shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Wr4er."Iothle event of a partial taking of the Property, in which the fair market value of the Property Imlfted Mely before the taking Is equal d'o �rast than the amount of the sum secured by this Security imitum lu ganedl9l91y before Pill taking, unions earowir and Lander;" e`egrec in writ, tlw awns secured by this security Instrar,ent shah bO reduced by the enwtml d the proceeds nx,Itlpilad by the 1 9� ion: (a) the total amount d the sans secured xnmed,atery bolas the Coking, divided by (b) the fair market value of the Pr,sperly,im fet�ly before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the PtoDerly In which the fair lie f i e! veJiiii the Property Immadlategy before the taking is less than the amount d the Sums secured Immediately nor the taking, uplm BgrJpwbr @11t1yy..polar otherwise agree in writing or unless app,wble law otherwise provides, the proceeds shah be applied to the stem secui�d.byI Is:B it y Instrurnetl whomr or not Ills sums are then due. Urgebs Larder and Bwowo(olh mvWe agree in %Thkg, t91y apphCeWn of RtticO s 10 pdncipal shall not tlxlerl or postpone MB due data d and rnantlify payments referred to In paragraphs i or chmga the amainyyp dud payment, It. ednewvr Nd Rslaasad. Porb*ws By Lsmdsr Not JtiVifuif `^ tension of the time for payment or modification of omorlbagon of Ne sums secured by INS Seeley lndnewml Omnlad by Lefldei to A` s acessor in interest or Borrower shall n npamto le release Ve kabady of one orginwl ilorbow w Boripwers soocessors in kttare)I(.,c Bit Bf hall net be mquirad to caNnance Voceedings against any Fee,ea em, In Intelsat or rof... to wield time la payment or mun ' iy amaaabiion o1 the sums abcwbd by IMe Secudly Instrument by reason of any blamed made by the Alm] Behavior or'G*' rs sumosswa in interest Any forbearance by Lender In exercisinlp any right or remedy shall lot be a walver of or preclude the exerelso.of any right or remedy. 12, 6ufamsors and Assigns Bound; Joint and 6averal Liability; Clrelp �hIo covonama aM aoroemems of Ihis Sewlity Instrument shall bind end benefit the successors end designs of Linder and dbjecl to the Provisions d paragraph 17. Born osi cove ants and agfeelnents shall be loi) andsewC6�-'IsQrrowm who cosigns Ihis Security Inelnum int bud does rat execute the Note; is) ls c sionlng Ihis Security Instrument or to g5gfpre, ppprant and convey that Borrowers Intent d Vw Property maw the terms d Into Sacumy Instrument (b) to not personally obli to p1 yA�s,ms socurod by tros Sacenty Instrument and (a) agreed that Lender and any dher narrower may agree to extend, modify, hariwa{w',p a any accommodations with regardto the temp d Ihls Security Inshumenl oithe Noe without Nat Borrowers consent. �` \.' IS, Lean Chsrgn, If the ban savored 4Ihis Wwfty InsuVmsm Is eobl.cl to a law welch x,mum loan charges, and that law Is Maly Interpreted do that the Interest w other ban charged collecled or to be collectM in cnnnocl with the ban exceed the permiBtd IMIYro, then: (a) any each ben cterge shell be reduced by the amount necessary b reduce the,cchhyqrgeJeahe permiaed fimll; and rin (b) Bony Be aaeady NNeGled from Bor orwar which akceBOBd parmil d9d anvils wilt be oofla W to Borrows( Loslef may chooe l to make this mend by reducing the principal awed under the Noto or by meMbg a direct payment to Bo,.w. 11 a rmundreduces puno,al. the raducilon will be treated as a partial prepayrlenl withal any prepayment charge under the Note. 14. Nolkws. Any nice to Borrower provided for In this Security Insuurnenl shall be given by delivering 11 err by rrlailirg it by Prot class mall unless applUble law required we of Brother method, The raw shall be directed to the Property Address or any other address Borrower desgeded by neaae to Larder. My nmbe to LaMar stall he given to Bortowm or Lender when given ad wav,ded In this paragraph. 16. Cowa/ning Law; MVNabillty. This Security Inslrtmenl shall be governed by federal law and the law or the jurisdiction In whloh the Property Is locatod. Inure want that any Provision or clause of this Security Instrument or the Note conflicts with applicable few, such conflict shall not affect other, wevtobne of this Security Instrument or the Net. which can be given ellect without the eomholvg provblon. To INs and the previsions of due Security Insibunmenl and the Nela are ditelarod to be savarallo. 16. 6lxro ff Copy. Bonower Shag be given one conformed CM of the Note and of this Security Instrument. 17, TWISW of BM I'Mill y or a BaiMIbW InVitsat in B9rrowar, It all or any pan of the Property of any interest in it is sob re uenafeaed for IF a bwwncial interest In Borrower is Dahl or transferred and Benowor is net a natural Webb) without Lander'. prior winter, consent. Lander may, at he option, require Immedlete payment In full of all suma secured by this Srbuni Instrument. Ilowover. this option shell not be exercised by Lender If exwelea Is prohibited by federal law as of the dale of this Security instrument. If Lender assaulted this option, Lender shall give Borrower notice of atcalorallon. The miles shall provide a period of riot lass than 30 days from the dale the notice is delivered or mallod wllNn which Borrower must pay all sums secured by this Security Instrument. If Borrower fags to pay these sums prior to the expiration of this pared, Lender may Invoke any remedies permitted by this Security Instrument without further noun. or dement on BBR.ww. 0. Berrpwt's tight to Rsinstab. If parliament radius certain coMilbns, narrower shall have the right b have enforcement of this Securityy Inst~ dieeondiabd at any lime prbf to the eadef of: (a) a days (of such other period as applicable law may specify for rekglalalterd) before dab of the Property pufeuanl to any power of 5* wntabed In Ihis Socumy Instrument; of (b) enuy or a Judgment enforcing this S,dogflly, Instrument. Those conditions are that Borrower (a) pays Lender all sums which then would be due under this «lpw.wp OR; 2704 PG; 2695 four 0 Security Instrunenl and the Note as If no acceleration had occurred; ID) Lures and default of any other covenants or areoments; (c) pays all allpemes mooned in enforUrg WB Security imtrunent. Including, but not tread to, mosey abb enomey's mos; and (d) takes such action as Lamer may reasonably require to Salute that (he lien of INS Sowrity Instrument. Lenders rights in the Property Arid Borrower's obligation to pay the sum, secured by this Security Instrument Shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obaeatbns Secured hereby shall remain fully offeclive as II on acceleration had occurred. However, this right to reinstate shall not apply In the use of Acceleration under paragraph V. it Sills of Nal C" of Lean Eent1w. The Note or a partial Interest In the Nola (together with this U%ohly Instrument) may be AM Ora, c, more limes without prior notrov oeco to Bw. A sale may ros ut in a change In the entity (known AS the'Loan Servicey') that collects monthly payments due under the Note And this Security Instrument. There also may be one or more changes of the Loan Servicer, unrelated to a &ale of the Note. II there H a Ohange of the Loan Servlcer, aormwor will be given written ral or the change in accordance with paragraph i, and applicable law, The notice will stale the name and address of the new Loan Servaer and the address to which psyltotants should be made. The slice will also contain any other Information required by applicable law. 20. Haa&rdous Substimm. Borrower shall not CAWS or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or In the Property. Borrower shall not do, tar allow anyone also to do, anything affecting the Property that is In vhlatwn of any Environmental Law. The preceding two sentences shall not apply to the presence, use, of storage on the Property of emaa GUanViies Of Ha2ardar, Sub,lancee met era generally recognlzed to be appropriate to normal rosdorael uses and to mainAonance of the Property, Borrower shall promptly, give Larder wrllten notice la any invesligatlon, claim, demand, lawsuit or other action by any govoir mental or regulatory agency or give a pit Involving the Property and any Hazardous Substance or Environmental Law of which 1301("Or has actual knoMiedge. If potr ear a, It or Is rlollned by any governmental or regulatory aul enty, that any removal ch other remediatan of any Hmfdou,;p.VP6effecting the Properly is necessary, Borrower shall promptly take all necessary remedlal actions in accord.. with En u.` dI Law. As used in MS psrAy9t+�! 1 fddm Suh&lifull are those substances dallned as toxic or Wardolis substarwa gY Environmental Law and ate fotbvn sir races: gasoline, kerwere, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile Solvents, material���ttI¢Abealoe or Icrrnetdehyde, and redioecew matelots. As ua n (tits nt.aropmph 20,'EmirwxrMnlot Law' means federal laws and laws of the jurisdiction where the Property Its located that relate to h„detety or mvlronrnen101 prelaction. 21, AueN7Nion; R W, Leftder shell glue rtolks to Borrower Prior to acceleration following Borrowers beach of any covenant or agreement In this Secudty lne t (but not prior to acceleration under paragraph l7 unless applicable law provides otheawlee). The notice Shall epscey;Ja)", lauib (b) the action required to cure the "suit; (c) a date, nor loss than 30 days from the date the notice Is given to Baro`mf, bj�, � the delaua most be cured; and (d) that failure to cure the default on or before the date Specified In the notice may result in - eon of.11le sums Secured by [No Security Instrument. foreclosure by judicial proceeding and RIB of the Prop". The notice shall fine, Ipimn`,Qono'wer of the right to reinstate after accote ebou and Iho right to assert in the lWoososure proceedkg the ran-extslance ore Oae A;br any othx defense of Bicammir to atteloralion and (On"10Swe. If the default is not caved on ot before (he data specified In thin 'nno_o')1!!�� ; Letder, at Its opflon, may roglrire immediate payment in full of all sums secured by this Security Irslromenl wWlhbA ludtter deme'yd'end,'m&y lorecioas Ihts Security Ilswment by JWlelal proceeding. Louder shall be o 011ed to Gotha all expenses Incurred In pureulnp tit. .j Wovkled In Ihis paragraph 2l, Including, but not limited to, reasonable attorneys fps, cad cosh of the lllle evdenae. 22, RflI I, Upon payment Of all SUM ey}kgb Ity widaut chMgq to Borrom, Sonow'ar eNa pay any r�eccdar tit as. Al emays' Faes. As wed h thin la.u4y. p ewanded by in appellale 0". 2/, ftlBes to this Witirity Inetrglnmti If lxte'df 3001- y Instrument, the covenant, awl Agroements of each at cavenenls and Agreements of this Security Instrument as it the Security Instrument Lendet shall release this Security Instrument, ate. ,(Land The Nate. aahorneys' feast shall Include any ahgmays' f0aa ! fiNer, are executed by Scheyer orb recorded legalise, with this jb;lsh ill be incorporated Into and shall amend and sWDtement the (Alward A Of of this Security Instrument. (Check Applicable Box) ❑ Adjustable Rate Rider ❑ Hale Imprmelnent e 1 t ❑ Gordomtnlum RItlDr Graduelo0 Payment Ride( Eli•e Fatuity Rider` "� �\ El Second Home Rotor ❑ Balloon Rider El Biweekly Payment Ratpr; ," Planned Unit twebpment Rider SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contaipoilhthp SocwiI Instillment and in any rlder(e) exeeuled by Borrower and recorded with It. l! {1 Alerted, Seated And dellverad In the Ixeserica of: Whness $Ignalure�/ ' 'M Sy ' 's i` Signature. ' �_— Borrower Ca Lai Wilne,e Print Name' It MP —a n l i ._ SIpn2Wfs: Bwtower Ann Lai Wines Sgnalur WilnBesPdnlNinle: t/nv/r>.rtr.� w/�dG lyre/Y Atlgrass; illee 37" flu,: ;nv / N_�loa_kYor 1J� ,•.it. l_e STATE OF_Fbdda_ COUNTY OF_COIIIer I hereby teddy that on this day, befoe me, an omcar duly aumoulun l In the elate aforesaid and in the county oforesad to use acknowledgements, personally appeared Dena and Ann W to Inn known to be the persons) described in and who executed the foregoing Instrument and acknowledged before ref ihatiifi -0MFJ THEY executed the some for the purpose therein uxpressed. WITNESS my haryl and WBcial seal In the Gounty and State afaesaIll this April 21. INS. My CamrrtHAbn ExOlm: ; -�-. rypa publc'e 8" 'U'S Nolarys Pdnied Neme `'�,�" MY (VIiLMIS51gn,GCDnn L"ii �j Cl Z( •4N n� Cxners w+wa»r (SEALI i.saatkvtnxw tv e.x.r son... *** OR; 2704 PG; 2696 Property Intorma&n Report CDPR3002 - Property Information Report. FOLIO NBR PARENT PARCEL 0000036456960001 uno6-OOOOOU0000 PHYSICAL STREET LOCATION 5388 32ND AVE SW, GOLDEN GATE CITY V5E CODE C14855 CODE MILL AREA TOTAL. ACRES ACSC HDR REF FLAG; 20 0. 2.3 4 (�1 1 BLOCK BLDG LOT ON I` .-:.- RANGE TWP SECT LITRAP 266 17 � 26 49 29 010000 Zou 17482d SHORT LEGAL ' XTRA bob CNT D GOLDEN GATE UNIT 7 BLK ZO ,+ LOT 17 OR 1347 PG 170 LAST DATE `""� _UPDATE 04/ld/19e8 :� LAST UPDATE: USER OWNER NAME/ �`' j LOAD LAIC GENE T-6 ANN PREV UPDATE DATE OWNER ADDRESS r PREP UPDATE USER 5388 32ND AVE SW �� (` NAPLES FL 341168008 } PREVIOUS OWNER FULL LEGAL DESCRIPTION GOLDEN GATE UNIT 7 BLK 266 LOT 17 OR 1347 PG 170 Goller County Board of County Commissioners Printed on 04/23/199 2i07:19PM CD -Plus for Windows 95/NT Page 1 of bill 2692113 OR; 2724 PG; 1427 gILD ISDIo of C011,11I count tl001a0 IICOWID to toe 0111CIAL 111 of C01111& CODITT, IL 0011 15111,11 2110 a tl0a1I6101 DA 01/21/2000 at 02iNIM D11I96T 1. &IOCI, C8&I I1C 111 15.49 FOAM 0 MAILis IL 34104 DOC•.35 52,Sg SECOND MORTGAGE THIS SECOND MORTGAGE ("Security Instrument") is given on April 18, 2000 The Second Mortgagor is Angela purity ("Borrower). This Security Instrument Is given to Collier County ("Lender), which is organized and exubng under the lawn of the United Stales of America, and whose address is 2800 North Horseshoe Drive, Naples, Florida 34104 . Sorrowerowet Lender the sum of Fifteen Thousand dollars (U.S.$ 15,000.00 ). This ,debt is evidenced by Borrowers Note dated the some date as this Security instrument ("Second Mortgage'), which provides for monthly payments, with the full debt, if riot pad eadier. due and payable on sale of property, refinance, or loss of homestead exeeption . This Security Instrument Secures to Lender. (a) the repayment of the debt evidenced by the Note, with interest, and ail renewals, extensions and modifications; (b) the payment of all other sums, with interest advanced under paragraph 7 to prolect the Security Of the Security Instrument; and (c) the performance of Bomo es covenants antl agreements under this Security Inelrumenl and the Note, 461 this purpose, Borrows( does hereby second mortgage, grant and convey to Lender the following described properly located in C61,1yek County, Florida. More particularly dsenu,461'e:.,.;;\Nap4a Manor Ext Block 6 Lot 8 and which his the address of ("Property Address"): TOGETHER WITH all Ihiiiopfovernepla now or hereafter erected on the property, end all easements, rights, appurtenance, rents, royalties, mineral, oil and gas rghbi.and'proll 5, water rights and stock and all fixtures now or hereafter a pert of the propedyJl m replaceent. and eddklone shell eledb, 'MFv Fed by the Secuny Instrument. Al of the foregoing is referred to in this Security Instrument as the 'Property". BORROWER COVENANTS thalrroweris law and Convey the Property and that the Property'!4�771��t'lle r generally THIBtitle SEVVRITY INBTftV MBNT against combooaeyn{ 9! by Judsdlction to conetrule a uniform Security tnelry, rA UNIFORM COVENANTS, Borrower an Le i 1. P.ynant of Principal and lnt.mell Pri ,.y of and Interest on the debt evdencod by the Note Tt a. Taxes. The Mortgagor Seel pay all taxes, of inland thereon. The Mortgagor shall pay or Cause to be paid, as of any kind whatsoever which may at any firm be lawfully charges, Inctudeg "wrvlos charges", Incurred or Imposed Property, and (a) all assessments or other governments ed of the estate hereby conveyed and has the nght to mortgage, grant �xceptlorencumbrancesolmoord. Borrower warrants and will defend subject to any encumbrances of record. ante for national Use and nao-unifertn wvenonm with timed vousaen real property, it and agree as follows. I lab Charges, Harrower shell promptly pay when due the pmnciml ,iA, nswer rents of mist mine prior to the seeruit of any penalties or Mortgagor &hall be obligated under the Mortgage to pay or cause to W lams of the Mortgage, and shot], promptly after the payment of any of I a. Application of payments. unless sppfice ble law provides to interest due; and, to principal due; and last, to any Into charges duo a. Charaaa: Liam. Borrower shall pay all laze, staesamen become due, (A)(i) all taxes and governmental charges nit or with respect to the Property, (2) coo ublity and other enarla, use, occupancy, upkeep and improvement of the fully be paid In Instalnnenls over a Period of yens, the r such Installations as are required to be paid during the N. forward to Mortgagee evidence of such psymenl. a1J Payment. received by Lender anon be sppliw ; abi Impositions attributable to 16eepery w itich ny. Borrower Shod prompilly Iumish to Lender all notices of amounts to be Palo under this paragraph, and all receipts evidencing -the payments. Borrower Shall pranpuy discharge any ton which has priority over this Security. Instrument unions Borrower. (a) agrees in writing to the payment of the obligation secured by the Ion In it manner acceptable to Lendoh,,((aj Wr}lests In good feiN the lien by, or defends against enforcement of the lien in, legal proceedings which In the Lender's opinion OA,ehl1 Q rovent the enforcement of the lien; or (a) secures from the holder of the Ion on agreement satisfactory to Lender subordinating-dM1 Iglhis Secuny Insrnment. II Lender ditsnMes that any part of the Property is Subject to ben which may allaln priority over are S�afmyin}IrumanI, Lender may give eonawr o notice identifying ens lien, eonower sholl satisfy the Iron crime one or more of the mcdOnSIsel lopf Dove within 10 d.ya of tM giving of notice. S. Noserd or ProParly fnauranea. Borrower shall keep the improvemenls now exial0p oche of erected on the Property Insured against lost by fire, hazards Included within the to n "extended coverage" and any other au I iuding hoods or flooding, for which Lender requires Insurance. This Insurance shell be maintained in the amounts and IQ; Ind pe, gtat Lender requires. The Insurance arrler provklIngthe insurance shell be chosen by florromif subject to Lenders approval which all It not be unreascnsb]y withhold. if Borrower fells to maintain coverage described above, Lender may, at Le option, obtainSwua{p to protect lenders rights h the Property In occordamn with psmgmph 7. At oil area that the Note is outslaridir.g, the Mortgagor arms m.intein In.ur.rwe via, reps 1 to the Premises against such risks and for such amounts at are customarily insured against and pay. se the arm became due and payable, all premiums !A respect thereto, including• but not limitedo , alLtkk insurance prolseting Via interests of the Mortgagor and Mortgagee against loss or damage to the Premises by fire, llphtning, and other aeuesios customarily Insured again it (including boiler explosion, if appropriate), With a uniform Iarldard attended Coverage endorsement. Including goods ramoval wyorago• Sucre Insurance it as UM to be in an amount not lose than the NII replacement Coal of the Premises, exclusive OI WOUNS and foundations All fneurance pollons and raewtls shall be acceptable to Lender and .hall Include a standard mortgage clause. Lender shall have the right to hob the policies and renewal, If Lender requires, Borower than promptly give to Lander all receipts of paid premiums and rem") notices. In the event of loea, Borower 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 Cotentin" agree In writing, InWnnce proceeds Mae be app]kd to reetcreuon a repay of the Property damaged, If the restoration or repair is economically feanible and Lenders security is not leosenad. If the restoration or repair is not eoonomlully bauble or Lenders Security wnuid be bSaend, the Insurance proceeds Mall be applied to the sums seared by tM Security Instrument, whether or not Men due, with any excess paid to Borrower. If Borrower abandon, the Property, Or does not answer within 30 days a ho600 from Lender that the Insurance Carrier has offered to seek a dean. then Lender may called the insurance proesedi Lender May Use the proceeds to ($pair or ratio(@ tie Property or lO pay some secured by this Security Instrument, whether or not then due. The 3N&yperiod will begin when the noto0Ismalled. UnkSeLenderandBorrowerfithentlwagreeInwriting,anyappliationofPMQM* to principal shall not extend or postpone Me due dale of the monthly paymn me rebind to In parograph t or change the .mount of Use payments. If under paragraph 21 Unit property is aoGueed by Landon, Bonawar's fight to any Mwrance policies and proceeds mou" from commit, to the Property prior to as aoqulaeion side pass to Lender to the extent of the sums, secured by this Security instrument aneradtsley prior to the acquisition. S. Occupancy, Preservation, Maintenance and Protection of this property; Boleovises Lan Applkatlon, Leaseholds. Borrower $hell occupy, establish. and Use Ind Property cue Borrowers principal reedence within etxly days *her the execution of this Security ccbo3ed.wp 0 o OR: 2724 PG: 1428 Nwe 0 Instrument and shall continue to oxupy the Prapedy as Bomowera principal (asklsnos for at but one year after the dale of occupancy, unless Lander otherwise soma in writing, which consent shall not be unreasonably withheld, or unless exlenueling dfeumatanca exist which are beyond Borrowers control. Borrower shall not destroy, damage or impair the Property, slow 018 Property to deteriorate, or commit waste on the Property. Gonower shall be In default If any forieltum anion or proceedtog, whether civil or criminal, is begun that in Landers good fanh Judgment could result In forfsRo a of the Property or olhervdee materially impair Oro Ilen created by this Security Instrument or Lander`* setunry Intereel nofrower may core such a default and ministers. as provided In paragraph 1e, by causing the action or proceeding to be dismissed with a ruling that. in Lenders good With determination, precludes fodeitu s of the Bornow ees interest in" Property or other material Mpakmenl of the lien created by this Security Instrument or lenders searity InImedit rrovnr shall also be In default it Borrower, during the Ian application process, gave materially false or inaccurate information or statements to lender (of failed to provide Lender with any material information) in oonn ghon with the loan evidenced by the Note, including, but nor limited to, representations concerning Borrowers occupancy of the Property •• a Princti residence. [(this Security Instrument Is on a leasehold Borrower shall coney, with all the provision of the base. If Borrower acgUdm8 fee title to the Property, the leasehold end Ihe in bile shall not merge unless Larder agrees to the merger In writing, T. Protactlpn of Lander* Rights In the Proparty,u Borrower lane Io POmrm tie covnnants and egmementa ,OnWWad in this Sewn y Instrument or there is a legal proceeding that may significantly erred Lenders rights In the Property (such as a prOoo4mq in bankruptcy, probate, for condemnation of forfeiture or to enforce Iowa or regutsbons), than Lender my do and pay for whatewer is necessary to protect the value of the Property and Lendert rights in the Property Lends/s sdlons may Indude paying any sums seared by a lien which has pdoriiy, over this Saarity Instrument, appesdno in court, paying reasonable attorneys' Mee and entering on one Property to make repairs. Anhouph lender may lake action under this paragraph 7, Lender does not have to do so. Any amounb disbursed by Lender under thM parpnDh 7 enan b addltl0n`A debt of BpnpN'ar Oearpd by imp Security InstNrMnl. Unless Borroxar and Lender puree to other lmmits of paymaM, then unle *hall bear interact fmn the date or dlabunerrwnl AUe thole rate and arras payable, with inlereeh upon notion Nom Lenders ender (ol0,drr W.�,ajn queetlnp payment. a, abdo.tle in lAane If Lender required modgege insurance u a condition of making the Joan secured by this Securely Inslmment Borrower etiSilb�Iylhe pmailtir required to mainlem the mortgage Insurance m eBedi for any reason, the mortgage IneVraBce OOYeraa faqulteQ by Cp f (Bpaee or Geaaee to oe In adact Borrower ahatl pay ins pfemiums roqulnd to ootatn coverage eubetanbally eqVivabnl t0 itLe_rgoylg'ade Insurance pro' buely in erred, el a coal suaUnbally equlnlent to the cost to Borowef of the mortgspe intunnce provbuaty in cryqpt1 ram an akemete monq*ge insurer approved by lender If aubelmually equivbnl modpage Insurenq oowro re 6 •vaka6fpitioyi�wer shall pay to Lender each month a sum egwl fo me-lwelM of the yeady mongapa Meuronoe Premium being psd by BonOWef When the Insurance covefape lapsed or ceased to be in sffecl. Lender will accept, use and retain these payments sea to reserve In Iye ofmOn{ieg� Insurance. Lose reserve paymenle may no longer be required, id the option of Lender, if mortgage Insurance coverage (in the am do and rot the period that Lender requires) provided by an Insurer approved by Lender again beeonaa wpllebb end Is obtained. BofrdWpf chest pay the pemiums required to maintain rtangage insurance in @fled, or to provide a teas reserve, until the requirement for MAO insursft ends in accordance vdth any winllan agreement between Borrower and Lender or applicable law. i s. Inapaedon, lender or he age 1 . p k reasonable entries upon and Inspection or the Progeny. Lender shell give Borrower notice et the lime of or prior to en Inc ten"e Guying reasonable*use for tlro inspeddn. 10, Condemnation, The proceeds ofsyy�tyy`eWi d or claim for damages, dIrW or consequential In connection with any condemnation or other taking of any pad of the Props,Qy.;ar oTconveyarice In keu of condennstion, arc hereby assigned and mall be paid to Lender. In the event of a total taking of the Prop,lly: *preco••d• tall be appal to the some secured by this Security Instrument. whether or not than due, with any excess paid to Boni 'In event of a partial listing of la Propene, in which tic felt market Value of the property Immediately before the WIN M @quit 1p Ot sly then the amount of the Sums sutured by this Secgm y lnstrufneni kwWl#tely before the taking, Unless Borrower and landedotne! J!(?,�pirrao In writing, the some secwrsd by this sewny, Inatrumenl than W tedg0ed by the amount of the proceeds muhpleld by One fdhoRing'�feyllon: (a) the IoW amount of Me sums sewrod Immediately before the taking, divkled by 0) the fair market value of the PfOPeRMd,�e,dtlyafore the to". Any balance shall be paid to Borrower." event of a p•rual taking of to Property In which the fat market balp'e'of e\Propery km a lely afore the taking is lose than the amount of the sums Secured krcnedistely for t taking, unkm Borrower 0 -Le, oi'otMrwuse ague In writing or unless applicable law otherwise provide 0, the proceeds Shall be applied to the some sew red by this S{aerits�lrlslrunem wlelar or not me soma am then duo. i Lender and Bonawr otherwise spree In writing, any application of prpp'oogq66��t llp a(Indpa) shall not extend or postpone to due date of the monthly payments referred to in paraorai 1 or change the smount 6(v b, Y nb. 11, Borrower Not Released, Potbatancogy Lender Not 11 give?, rionskin of the time for payment or modlnaUon of smntL oatbrt of the sums secured by this Se i ly Instrument granted by Lori\ at'( suocaswr can Interest of Borrower sea not operate to release gre Ilsbxlly of the original Bonpwer or Barowshr loco local in intim , La shall not be required to commence proceedings ,galnat any tucomoo, In imimst a refun to extend tone for payment or o"hiii_ unaGsatbn of the sums se omd by this Security Inawment by mason of any demand made by the original Borrower or Borrow, a aoccessom in interest. Any forbearance by Lender in award" any night or remedy shell not be a waiver of or preclude the OROWSO of any rat oh remedy. 12. Buccosaon and Aselpne Mond; Joint find Banister Liabli tyl Co "T''�M'",�. vena�sml and agreements of thle secuny InInstrument shell bind and banerd the wcopsaors and anigne of Lender and Borcaws`r,yb♦eci}dl1dow Prpvblent of paaegaph ty. Borrowers oovenanb and agreements shall be Jdnt and se"?A-ir, g4 Brent and convey filet Borrowers rroer who co-signs this Severity irialmnent but does not exawb the Note: (a) is casioning this Security Instrument Only loomed Interest In ga Property under the terms of the instrument: Ineenl: (b) is not personally odlfatedd V)Yhe aunts secured by this Security Instrument: and (c) agrees that Lender and any other Borrower may agree to extend, modify, fi�pr eff(,of; its any accommodations with regard to the terms of this Security Instrument or the Note without that Borrowers consent. -. 13. Loan Cargos. If the ben eewred by this security instrument[* so0)ep1 to a law which so _ maimum ban charges, and that law Is finally Interpreted so that the interest or other loan charges collected or to W collected Irico9oectiolt with the Ian exceed the permitted limits, then: (a) any such ban charge shell be redwood by the amount feClaary to reduce Bib charge to the parmi lied lima; and (b) any wins already oolbded from Borrower whk:h exceeded permitted limits will be refunded to Borrower. lender may choose to make this refund by reducing the principal owed under the Note of by making a direct payment to Borrower. It a refund reduces principal the reduction will be treated as a panAi prepayment without any Prepayment charge under the Note. 1e, NoUl Any etba to Borrower provided for In this sewdty Instrument sax be given by dahvetlrg it or by mailing w by hat Was mail union applicable low regUW on, Otani method. The notice salt ba rarsctad to the Property Addressor any ouar sudrese Borrower designates by notice to Lender. Any notice to Lender shell be given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Sevanblllty, This Security Instrument shall be govemed by "rot law and the law of Via ludwi idion in which the Property Is located. In the event that any provlabn or disuse of this Security Instrument Or the Note conflicts with applicable hew, such conflid shall not affect other provisions of this Security Instrument or thil which on be given effect without the conflicting provision. To this and the provisions of this Security Instrument and the Note are declared to be severable. te, Somowara Copy, Borrower shall be given one conformed copy of gle Note and of this Seafity Instrument. 17, Transfer of the Property or a Beneficial Interest In Bommicif tie w any pan of the Property or any Interest In k is sold or tensional for n a beneficial interest In Borrower is soil or transferred and Bonower Is of a natural Perron) WbOut Lenders Prior written consent, Lender may, at lee option, require Irnnediate payment In full of all sums nand by this Security Instrument, However, this option shall not be exercised by Lender If exerdse to prohlblted by "rat law as of the data of this Scanty Instrument. If Lender exerdsed this option. Lender shag give Borrower mks of acceleration. The oboe thae provide a period of not ten than 30 days from the dale the notice Is delivered or mailed within which Borrower must pay ON sums smoured by this Security Instrument. It Borrower taus to pay the" sums prior to the expiration of this period, Lender may Invoke any remodels p,mstled by this Security Instrument withal further notice or demand on Borrower. is. Borrowers Right to Reinstate, If Borrower male certain continuous, Borrower shall have the right to he" enforcement of this Secumy Instrument discontinued at any time prior to the earlier of: (a) a days (orsuch other period as appioabb law may specify for fatnsUlamant) afore rib of the Property pursuant to any power of ate contained in this Security Instrument or (b) entry of a judgment oebo3ed.wn ' OR: 2724 PG; 1429 a,,:- -j enfordre this Security Instrument. Those oorldibons are that Borrower: (a) pays Lerdor all some which then would be due under this Security Instrument and the Notes* if no acceleration had occurred; (b) cures and default of any other covenants or agmemens: (o) pays all expenses ' Incurred In enforWmp this Security Instrument, Including, but not limited to, reasonable attorney's fees: and (d) takes such action is Lender may restonsbly require to Mature that the Ifan of this Security Instrument, Lenders rights In Me Property and Borrowers obtigallon to pay the sum# Secured by this Sewnly, Instrument shall continue unchanged. Upon reinstatement by Borrower, this loamy Instrument and Me obligations "cured hereby shall remain fully eflcctivo as if no acceleration had occui Howevar, this right to reinstate Shall not apply In the ass of acceleration under paragraph 17. it. Sale of Note; Chants of Loan earvlcar.The Note or a partial interest In the Note Rogetherwith this Security Instrument) may be sold one or more tines without prior notice to Borrower. A silo may result In a change in the enety (known as the "Loan Servicer9 that Will monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Serv)oer unrelated to a sale or the Note. II there Is a change of the Lodiervicar, Borrovror Of be glen written notice of the change In accordance with paragraph 14 and appiKeble law. The notice will stale the name and address of Me new Loan Servicar and the address to which payments Should ba made. The notice will also contsin any other information required by applicable law. 20, Haurdous Substances. Wnower shall not cause or permit the presence, use, disposal, storage, or release or any Hazardous Substances on or In the Property. Borrower shall not do, nor allow anyone also to do. enything affording the property that is in violation of any Environmental Lew. The preceding two sentence& shell not apply to the presence, use, or storage on the property of wail quantities of Hazardous Subelancas that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower *hall promptly give Lender written notice for any investigation, .[aim, demand, lawsuit or other action by any govemmentat or reguatory agency or priJife, rty Involving the Property and coy Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If BortoQ.pile; me/vor b notified by any governmentat or regulatory authority, that any removal or olhanbd'ufion of any HazaMous Subalanca # ttg Ih4Propedy n necessary, Bortoxer shall promptly take all necessary remedial actions in eownisnoe with Envionmanal Law, Mused In trite pmgrepn 7,gk"HKa.(pQw eubetanae"are snow euauna# denrgd as product, of hazardous lodes Substances by Environmental Lew and Il+s rosowinp subsl6nc`e� eQhSe, kerosene, oaer Mimebb or long peVoblxn produce, toxic psaocxles and Mrolddes, v'daab aolvanU, matedds conlsining asbeat,oJj'e'r+)lortnakiehyde, end radbactiw materl.b. a used In 7hl."parepnph 00. °Environmental Law' mews Worst Iowa and lave of the jurisdiction where the Property b bated that rotate fir hadth, ashy orenvirpnmenld protection. N. Aeealonllem, Ramed{w:- Le_ntl r shall give notica to Borrower prior to acceleration following Borrower's breach of any covenant or egresmenl in fhb Security In61 rat (but not Drier to acceleration under paragraph 17 unless applicable law provides Otfefwlse). T1he nolk0 shall epedy: (a),; faun; (b) the action requited to cute Me default; (c) a date, not less than 30 days from Me dots t e raga b given to Borroyror, bIf soh Mt0 00100 must be "rod; and (d) that failure to Curt the dttsun on or before tit date apacleed in the atria may result In acceleration of the yorys eo recu d by this Serity instrvrrwnt, forsGwura by Judicial proceedmill and sale of the property. The notice shelf further Into" Borrolvgr 1 fight to relmelate after acceleration an the right to assert in Me brecbaum prooeedup the nomexbtena of a default cur ihy Oar do nosof Borrower to acceleration cud foreclosure. If the default IS not cured on a before ate dots apedfed In the notice, LSndei„fit (1 ,i�p1a may require Immediate payment in full of all sums Seared by this Security Instrument without further demand and may foreddaetthb' QQtylnalrumenlbyjudkWproceeding. Lender shall be entitled to tolled all expenses Incurred In pursuing the nnedloa Providedl[;,U)it' mopph 21. including, but not angled to. reasonable aaorMY's fees and cats often ON evidence.' 22. Release. Upon payment of ay sums Secured bYh my Instrument, Lender shall release this Security Instrument vdtlmotd charge, to Borrower. Borrower then pay any recordation cg ha,' `1. 211. Atbmsys' Flies, As used In this Sawdty Inelrurne Note, "anorteys' leas" ahoy Include any anomeys' fats awarded by on appellate Wort. 24, "m to this Stop" in Uunlent, Ito or rnoretyjl6Ta'aQe iXewled by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall pd'inTnrpbl1aled Into and shag attend and supplement the covenants and agreements of this Security Instrument as It the nderye)were a perm N)!,'$?curey Instrument. (Check Applicable Box) Adjustable Rote Rear Graduated Payment Rider Balloon fte*( Rate 14 Family Rider Biweekly Payment Rider OIMr(s) (spedry SIGNING BELOW. Borrower accepts and *or"o to the terms and covenants execued by Borrower and recorded with it. Slotted, waled and delivered In the presence of: Witiess Whew Print Noma: �/ n J`Z a ' C ,.<11. - Wi1Mt Witness Print Name: l R1)iSe Borrower Condominium Rear " Seoond Home Rider Planned Unit Development How Instrument and in any rider(s) Address: 5551 Sholta ST Naples, Florida 34113 d STATE OF_Fbrfds_ COUNTY OF_Collisr� I hereby carMy that on this day, before me, an officer duly authorized in the elate sforessd and In the county aforesaid to take soknowbdgemente, personally oppeareMngele Duriby to me known to be the p►rwn(s) described in and who executed the foregoing Instrument and acknowledged before me that HE/ SHE/ THEY executed Use coma for Me purpose therein expressed. WITNESS my hand and I My Commission Expires: OENISE KIRK _�� Afy dplti.!1.33L'p n CC M1I1 and State aforesaid this April 10. good. I�,.L ccboyed.wp INSTR 5457674 OR 5439 PG 1180 RECORDED 10/11/2017 4:00 PM PAGES 2 DWIGHT E. RROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA REC $18.50 Prepared by: Wendy Klopf Collier County Community & Human Services Division 3339 E, Tamiami frail, Building H, H211 Naples, FL 34112 THIS SPACE FOR RECORDING RELEASE OF LIEN KNOW ALL MEN BY'VIAESE PRESENTS: That Collier County, whose post office address is 3299 E. Tamiami Trail,les, Florida 34112, the owner(s) and holder(s) of a certain Impact Fee Waiver Agreement uted by Immokalee Habitat for Humanity, Inc. to Collier County, having met the 15 year affordability housing obligation associated with the $67,864.72 of SHIP Impact Fee Waivers; `6f' hich is hereby acknowledged does remise, release, quitclaim, exonerate and discharge from ct�i lien and operation of the said agreement, that certain portion of the premises conveyed by said Alen, mot e particularly described as follows: Exhibit A The undersigned is authorized to and dt named properties, and consents to these said properties. This Release of Lien was approved by t O , 2017, Agenda Item I W TI 1HRd CLERK Er b slyuatut> v a a; atpproval for p,; and legality; Jennifer A. Belpedi Assistant County Attorney 7j e6 release these Liens with respect to the above- ,g forever discharged of record with respect to BOARD OF COL By; of County Commissioners on - O'(1fTY FLORIDA l *** OR 5439 PG 1181 *** EXHIBIT A Various lots as listed below for, Naples Manor Extension, as recorded in Plat Book 3, page 101 of the Public Records of Collier County, Florida. County 15 year Managers CO da affordability Legal Description Folio Lien Impact Fee Approval end date OR P Amount .. Naples Manor Extension, 7/3/1995 06/30%9 06/30/12 Block 2,Lot 10 62200560003 2083/1369 $6,169.52 Naples Manor Extension, 7/3/1995 04/15/96 44/1 /11 Block 5, Lot 62203200001 2083/1383 $6,169.52 Naples Manor Extension, 7/3/1995 04/15/96 04115/I4 Block 5,Lot 9 62203240003 2083/1390 $6,169.52 ri. 15 Naples Manor Extension, 7/3/1995 01/31/97 0113 IJI 2 Block 6, Lot 62204280004 2083/1411 $6,169.52 Naples Manor Extension, 7/3/1995 12/27/96 12/274R., B�ck 6, Lot 3 62204300007 2083/1418 $6,169.52 :NaRli Manor Extension, 7/3/1995 03/19/97 03/19/12 `' MQcV4i,Lot 5 62204330006 2083/1528 $6,169.52 N .p16" atnor Extension, 7/3/1995 03/19/97 03/19/12 B1oItk t6 62204340009 2083/1535 $6,169.52 Naplp Mano Extension, 7/3/1995 03/19/97 03/19/12 Block 71`:, 62204960007 2083/1549 $6,169.52 Naples ano, tension, 7/3/1995 04/15/96 04/15/11 Block I1,`Lot43'",.;1 62207080007 2083/1556 $6,169.52 Naples Manor Ezten_cion, 7/3/1995 06/09/97 06/09/12 Block 13, Lot3'-':`" Manor Exte 62207760000 2083/1563 $6,169.52 Naples sip r 7/3/1995 06/09/97 06/09/12 Block 13,Lot4 `. 2207800009 2083/1570 $6,169.52 ?,, Total $67,864.72 Kota; 2692112 OR; 2724 PG; 1424 ttto 2soot,to cgLbltM CotMIT aOWIMg atWlglt to tee 0111CIAL "COWL of eORItt MIMI It ottl 11010.00 Zito M "Illowl tt 01/11/2900 It 01t1411 HIM 0, RKI, C6ttt tic 110 11,00 M i It 11100 0".13t 12,10 MAN 0 SECOND MORTGAGE THIS SECOND MORTGAGE ('Security Inshume il') is given on May 22. 2000 The Second Mortgagor is Mae Joyce Gerfeen (-Borlowar). This SPWdry Instrument It given to collier county ("Larder'), wh,cho 9r9an¢ed and eAstin$ Under the laws Of the United States of America, and who" address is 2000 North Horaeehoe ttrive, Naples, Florida 34104 . Bonowerowne Lenderlhesumot ■ifteen Thousand dollars (U.S.$ 15,000.00 ), This ,debt is evidenced by Borrower's Note dated the some date as this Security Instrument ('Second Mortgage'), which provides for monthly payments, with the full debt, it not paid Pedlar, due and payable on sale of property, refinance, or loss of hosseatead fe,!Mtlon . This Security Instrument secures to Lender. (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modification&; (b) the payment of ell other sumo, with Interest advanced under paragraph 7 to protect the warily of the Security Instrument; and (of the performance of Borrowers covenants and agreements under this Security Instrument and the Note:r PdJ this purpose. Borrower does hereby second mortgage, grant and convey to Lender the following de enbed property located in .Co)Oder County, Florida y._ More particularlydsacribptle,i ,. ,11ROGNY PINES ESTATES UNIT ONE LOT 2 OR 1530 Po 113a a and which has the address of (`Property Address'). { , %,.tioJI N 10"' ST TOGETHER WITH all Ifro improvements now or hereafter erected on the property, and all easements, rights. appurtenances, roots. royalties, mineral, od and gas rights -and`qto h water fights and stock and all fixtures now or hereafter a part of the proPerttll replaements and addkbno shall algid-be:ibv ed by the Security Instrument. All of the Porepoxg %roterrod to In this Scanty IneWmenl as the'PropartY' x BORROWER COVENANTS that nowerls lawfully issued of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Propedy'Irne1umbeted, except for encumbraneA of record. Borrower warrants and will defend th e e title to the Property against IF dal (ns cup demands, subject to any encumbranda of record. THIS SECURITY INSTRUMENT oomtkW' unligim covenants for national use and nonuniform covenants with limited variation by iuhegiWgn Iv cgnifulds is uniform secumy Imt(tl n1YgBnng real properly. UNIFORM COVENANTS. florm.rarW lmme���ae asycov"i.m and agree es hollows: 1. Payment of Pdnclpsl and IntereN; Ierip�yi,Mfili d Lab charge. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Nola. " 2, TaMaa, The Mortgagor will ply ell taxes, cue f03'S 9ils sewer manta or water Arm prior to the accrual of any penalties or Interest Ifiereon The Mortgagor shall pay or cause to be paid, as theladb ra6�/��pe.clively become due, (Axt) all taxes and governmental charges orany kind whatsoever which may at any fire be lawfully amesI c.I,pYiad against or with respect to the Property.(2) all utility and other charges, Including "eervice charges', Incurred or imposed br lhe`V111ticin,itlain enanca, use, occupancy, upkeep and Improvement of the Property, and (3) all assessments or other governmental chargetJbsl, IBYI 1wfully be paid In Installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to be 62(IF1 ly aUch In*AIm midi as are required to be paid during the term of the Mortgage, and shall, promptly after the payment of any of ti�� Ja egofhg, beard to Mortgagee evidence of such payment g. Application of Paymallp, Unties Applicable low providee'6{ NoFvnlq Nl payments roaNed by Lerakr anal oe applied; M6 to interest due; and, to Prinppal due; and loot, to any Into charges duo udder the , db 4.Charges; Liam. clwn,wer$has pay all taxes, assessments, ei'a as . rnd Immstlons senbutable to laiopedy which may slain priority over this Security Instrument, and leasehold payment& or gibuifd�feny itnow'a any. Bor shall promptly furnish to Lender all notices of amounts to be paid under this paragraph, and all receipts evldending W' payments. Borrower shall promptly discharge any Ilen which has prionty over is Sea Inebumarit unless Borrower: (a) &or"& in wri&g to the payment of the oblgallon aaW red by the lien In a manger acceptable to Lafll} „ )-og4lew In good faith pro lion by, or defends against enfOrement of the lion in, %gal proceedings which In the Lenders opinbn cps tokp_rmeaveni the enWr "nt of tho lien; or (c) secures from the holder of the thin an agreement satisfactory to Lends, auoaMinaang.J, ,, 1 this Scarily Inslrvmenl. It LaMar determines that any part of off Property Is settled to Men which may all In priority over the Sidi rt it Wmnent Lender may give Borrower a notice Identifying the Ibn. Borrower shall satisfy the Ilen or take one or more of the adbhi sal -above whin 10 days of Im giving of notice. �^��� a. Haxard or Property Inference. Borrower shall keep the improvements now ex.MOr" pl�ha er erected on the property Insured against hiss by fire, haxarda Inducted within the tenn'extended Wverage°and any other a!i l lusting AOOd/ Or flooding. for which Lender mouires insurance. This insurance thin be maintained In the smounb and for the pa that Lender requires. The Insurance Carrier proyIdingthe Insurance shell be atween by Bunvwgr subject to Lenders approval ch sh ll not be unreasonably witheId. If Borrower falls to maintain coverage described above, Lender may, at Lelldera oplbn, obtaiAt.rage to protect Lender. rights in the Property In accordance with paragraph 7. At as INxs that the Note is oulotandkg, ow Mortgagor shell maintain insumece with respect to im Promises against such risks slid for such amounts as are customarily Insured K*W col pay, as the same be" due and payable, all premium In reaped thereto, Including, but not limiledo , alkdelt insurance protecting the kh matte of the Mortgagor end M02119ee against lost or damage to the Promhom by fire, lightning, and other "sualtms customarily Insured against (Including holier explosion, it appropriate), with a uniform standard extended coverage endorsement Including debris removal coverage. Such insurance at all &me to be In an amount not test then the full roplooemenl coal of the Promises, exclusive of footings and foundations. All Insurance polices and renewals shall be acceptable to Lender and shall include a standard mortgage C%u". Lender shall have the right to hold the policies And renew&%. if Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of lots, Borrower shall give prompt notice to the Insurance carrier end Lender. Lender may make proof of lose if not made promptly by Borrower. Unless lender and Borrower otherwise agree in wnLkV, Insurance proceeds AI be applied to restoration a repair of the Property damaged, If the restoration or repair Is economlcally fem bie and Lenders security is el Imes ed If the restoration or mpoir %not economically tensible or Lenders security would be tes"ned, the insurance proo"da shoe be applied to the some stared by the Se only Inalrumenl, whether or not then due, with any excess paid to Borrower. If Borrower abandons 0%Properly, or does not answer within 30 days a notice from Lender that the Insurance carder hat offered to After a claim, then Lander may Wiled VIA insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay items "cured by this Solos ty Instrument, whether or not then due. The 30day period will beoln when the notice Is mailed Unless Lender and Borrower oUurwise agree in writing, any application of procseds to principal shell not extend or postpone the due date of the monthly payments misfired to in paragraph 1 or change the amount of the payments. If under paragraph 21 ine Properly Is acquired by Lander, Borrowers right to any Insurance Oki" and protef"$ refusing from dunsge b the Property per to the acquisition shall pass to Lender to the extent or the some second by this Security instrument ent Immediately prior to the acquisition. I. occupancy. Preservation, Maintenance and Protection of the Property; Borrowers Loan Application, Leaseholds. Borrower shell occupy establish, and use the Property as Borrowers principal resfdena within Alxty days after the execution of # is Security, ccboJed.wo E OR; 2724 PG; 1425 fO O Instrument and shell continue to oceupy the Property as Dorrowereg principal residence for at least one year after the dais of occupancy, unless Larder otherwise agrees in writing, which consent shall not he unreasonably withheld, or unew extenuating crcumatances exist Nilkh Aro DOYord BWlgweYe llOntrd• Bomaiver shall not destroy, damage or Impair the PmpwgI allow the Popony to derorione, orcommit waste tin cite Property. Borrower shoo be In default II any forfeiture action or proceeding, whether civil or criminal. Is begun that in Landers good faith judgment could result In forfeiture of the Properly or olhenv9se materially Inpair ill hen created by this Security Instrument or Lender's noun tv interest Borower may con, such a defouk and minstaie, as provided In paragraph 19. by causing the *dion of Proceeding material topalmanl of the lion created by this 3awrity Instumem or Lenders searity Man *too be, In Oenun n wiflower, during the bon mppllatlon process, gave materially raise or Inaccurate Information or statements to Lender (or failed to provide Lender with any motenal Information) In cin reclwn with the ban evidenced by the Note. Including, but not limited to, reprefer.1. kris wiroamtng Borrowers occupancy, of the Property as a principal resldence. If this Security Instrument is on a leasehold, nommoer shall oomply with all the povbion of the base. If Bonower soqukes lee tale to the Property, the leasehold and 04 fait title shoo not merge unless Lender agrees to the maims, In wrierw 7. Protselen of Lond*la Rights In the Propsrly.1f Borrower fails to perform the covenants and agreements contained In this Security InlWmenl, of there IS a legal Proceeding that may significantly aged Lenders rights In the Property (such as a proceeding in bankruptcy, pole, for oonoommum of forfeiture or to enforce tevve or reguleuona), dart Lender may do and pay for whatever le naoneary to project the value of the Property end Lender. rights in the Property Lenders action, may Indude paying any sums secured eye Ilen which has priority over this Seounty Instrument, appearing In court, paying reasonable elt mvi fens and entering on one Property to make repalm. Although Lender may lake action under this paragraph 7. Lender does not hew to do so. Any amounts disbursed by Lender under this paragraph 7 shell became additional debl of BonOver eacured by this Security Instrument . Lillian Borrower and Leader &area to other ferns of payment. mew a Is shell bear interest from the dale of disbursement at the Note rate and stay payable, with interest upon notice hen Londe , 99ttb art ussling payment. a. Mortgage IP►U ce. if Lender required mortgage Insurance as a condition of making Use loan secured by this $"only Instrument Sonower shaP%pa , remwm, required to maintain the mortgage insunos nIn erhdl, for any reason, the mortgage insurance coverage requiredpyy L! r lapses or ceases to be in offset. Borrower shelf coy the premiums required to obtain coverage substantially equN&enl to (II,�•'rtwtl Insurance previously In effect, at a cost sub6UnWIty equivalent to the cost to Borrower of the norgpWImumnowe pfeYlouMy'if' On0G1�4._ Om in alternate mortgage insurer approved by Lender. 11 substantially equivalent mortgage insuance coverage is nrot ValtebleI_ r Mail pay to Leiwe(each month a sum equal to one -twelfth of Use yearly mortgage insurance premium being paw by BorrowerwiI n the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain thew payments as a loss reserve in lieu of modoal ttnwmnce. Lou reserve payments may no longer be required at the option of Lender, it mortgage Insurance coy d for the period that Longer requires) provided by an insofar approved by Lender again begoommi available and Is obteu)ed. Boiftiyar}hhE11 pay the premhgns required to maintain fnoratip Insurance In,fed, or to provide a Ion reserve, until the requIernanl fOr erortgagft fhsUfO¢Ip ehes In accordance with any Written agreement Wtweon Borrower arid Lender or applicable law. 9. Inspection. Lender ovho sgenl( y me reasonable entries upon and Inspection, of the Property. Lender shall give brow rr notice at the lime of or prior to on in tp dtfpn��YWpziyirp reasonable cause for BM Inspection. 10. Condemnation, The proceeds oltiny ��r�jQ or claim for domsges, direct or consequential, in connection With ►ray condemnation or other taking of any pad or the Propene%; Al lei�onvey�ance in Ileu of condemnation, are hereby assigned and atoll be paid to Lender. In the event of a total taking of the 1pmi; iy'd�ep ogeele She he IMW to the sums secured by this Secudfy Instrument. whetiar or not than due, with any excess pad to Borr�rr Ikpl event of a partial taking of 1M Property, in which the fair merger value of the Property enn»dlately before Ill liking is equelrl6 Vo> Is orphan the amount of fine some secured by this Security Instrument IrrxnothoWly before the taking, union Borrower and Lende(q rod. Brae In vniUtg, fhe sums wwrnl by Ihia Sacuriy Imwmrnl Mail be reduced by Ill amount of Ill proceeds muebled by Ill I..ww� l eon: (a) ths too smounl of tlu sums nwrad Immediately be lore the taking, divided by (b) the fair market value of the Pror . iinrlfedulelkafine the Wiing. Any balance shall be paid to BorrovAr.the event of a portal taking of the Property in which the fail market vale of.tthh9 Properlynxnedlalely bekxe one !*king is Iew than Ihe amount of the sure secured Immedlalely for the taking, unless Borrower ir�d l9.!rder�jMAWw agree In w.itilrp a union ►pplicsbie taw oerondw provides, the proceeds shall be applied to Use sums secured by Ihi.' qWG Ity,,Iaaa0umanl vdethw or not the sums ue thandue. Unless Lender and Borrower othervdw sore in writing. any opPliution of progee b 0 neipel ah►1 not axland or postpone tine due dots of the tenthly payments rsened to in fangrophstor change the amount o(6g Pall, IT 11. Borrower Not Released, ForbearaMoOy Lonclar Not a 1'YWat,9tp� Men of Ill tkM tOr payment or moginc 00 of 19 miss" the sumo securedil sun Secumy InsuutMnl pruned by Legdert0 an `ucu 11 n in a ra lint of Borrower Mall not a dints to rota►w y * I oit or Illerest W MM"Dmoto or aonoye f sox awn In Intenvilut all not tea.1 the M b oommed b pis tocuga agYnal any,ucoassw le interest or refuse to axlend tkna for PSY^'enl «obwrwisd amMizaUon of the sums secured by this Security Instrument by reason of any demand made by the odainal Borrower of Boaoum 14 _ is in interest. Any forbearance by Lender in exafddno any heht or remedy shall not be a waiver of or preclude the exercw of any, ofrgmedY. 11, 6uccHaon9 and An"eoundi Joint and Several Lability{Coal6Mis poyenamo" preements of tHs Security InWum,nt Mall biro and benefit the an... and assigns of Lender all Sorower;a o the Provisions of pangnph 17. Borrowers covenants and agreements shell be joint and tiVo� YBdPmoor who wsons this Security Instrument but doe, not execute Ill Note; (*) ta co-signing this Security Insiromant only Id r odpl. Onnt and convey that Borrrowete Interest In the Property underdog forms of the Security Instrument; (b) is not immortally obliljlte'tllo{!ay sums secured by the Security Imutonenl; and (0) agrees that Lender and any other Borrower may agree to extend, redly, o; ar fv its any accommodations with regard to the terms of this Security Instrument or the Note without that Borrowers con not tit, Lan Charges. 11 the loan seared by this Security Instrument Is sob)ad to •low wfikli utilnaximum ban charges, and that low is finally Inlerproled so that the Interest or other loan chomes collected or to W txdeaed In on —loth the ban exceed tiro permuted Wrote, then: (a) any such ban charge shall be reduced by the amount ne or to reduce the a to the permitted lima; and (b) any sums already colleUed ham Borrower which exceeded permitted limits will be falunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct psymo di to Borrower. 11 a refund r iduoea principal, the reduction will be treated as a gather prepayment Without any prepayment charge under ate Noe. 14. Notice*. Any miles to Borrower provided ter In this Security Instrument shod be given by lathering it or by mailing it by first Ww mail unless apWabe law required use of another method. The notice Mall be dimced to the Properly Address or any other address Borrower designates by notice to Lender. Any notice to Lander shell be given to Borrow or Lender when given at provided in this pamonph. 15. Govemlfg Law; 6avenWuty. This Security Instrument shell be governed by federal taw and the low of the Jurisdiction in wfikh Nne Properly la bulled. In tie owl that any provlsbn or clause of this Security Instrument or the Noe conflicts with applicable law, such confiid Mall not affect other provisions of this Security Instrument or 1hloote which can be given effect without the confiding provision. To this and the provisions of this Security Instrument and the Note tiro declared to be esvembie. 16, borrov+ves Copy. Borrower shell be given oM conlorned copy of ill Nos and of the Severity Instrument. 17, Trenator ctf the Property or a Bafanolal Interest In Bontovi as orany part of the Property or any interest In K is sold or tnnsgil (or B v beneeWl Interest in Borrower Is sob or tr►nsened and Borrower a riots Merl potion) wttlwut Landers pdor wriMn consent, Lender may, at its option, require Immediale payment in full of all sums second by M Security Instrument. However, the option shall not be exercised by Lender If exercise It prohibited by federal law as of Ihe data of this Security Instrument If Lender exorda0d the oplWn, Lender shell give Donower noWo of ocoeerstion. The notice sMx provide a period or not taw than 30 days from the late the notice Is delivered Or Invited within which Borrower must pay all siaM secured by the Security meUument. If Borrower falls to pay thew come prior to the expiration of this period, Lender may Invoke any nnnedies Permitted by this Si Instrument without further noUoa or demand on Borrower. 10, BofrovMs Right to Retnstats. It Borrower meets pertain condomm. Borrower shall hove Nit fight to have enforcement of this Securhy Instrument dlscondnad at any time prior to the singer of: (a) b days (or such other period as applicable taw may specify for reinstserenp before sae of the Property pursuant to any power of ese contained In the &goodly Instrument; or (b) entry of a Judgment ccbo7cll.am *** OR: 2724 PG: 1426 *** FOON o enforcing this Security Instrument. Those conditions am that Borrower: (a) pays Lender all aume Which then Would be Off under into Secrity, Instrument and the Note is if no acceleration had occurred; (b) curse and abuh of any other covenants or agreements; (o) pays ail expenses Incurred In enforcing (his Security Ins"writ, Indoi g, but not limited to, reaswabia sliomsY's Nee; and (d) )ekes such action as Lender may reasonably require to assure that the lien of this Security InsWmen, Lender's rights In the Property and Borrower's obligation to pay the sums secured by this Security Inslrumwl shall wrilinue unchanged. Upon ninslatement by Borrower, this Security Instrument and the obligations secured hereby shell tomato fully effective as !Ina acceleration had occurred. However, this right to reinstate shall not apply in the aw of acceleration under paragraph 17. 1e, Bale of Note; Change of Lan Sarviar.The Note or a partial interest In the Not* (together with this Security lnetrumenq may be sold one or more Imes without prior notice to Borrower. A sete may result In a Change In the entity (known as ua'Loan Sarvicer") that coaws monthly paymsnis de under the Note and this Security Instrument. Then also may be one or more chsnges of the Loan Servicer unrelated to a sale of the Note. If there is a change of the LoaBervice, Borrower will be given written notice of the change in accordance with paragraph 14 end applicable law. The notice will elate the now and address of the new Loan Service( and the address to which payments should be made. The notice will also contain any other information required by applicable law. 2o, Hazardous Bubstan ", Borrower shall not cause or permit the prowrloa, use, disposal, storage, or miss" of any Hazardous Substances on Orin the Propertyzomwer shall not do, nor allow anyone ate to do, anything sf act( the Property that lure violation of any Environmental Law. The preceding two sentencee shall not apply to the Presence, use, or storage on the Property of email quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to meintenana of the Property. Borrower shall promptly gtve,Lender written notice for any Invesi'gation, claim, demand, Iswsuft or other action by any governments) or regulatory Nancy or pgvalp pp66rly atyoNing the Property and any Hazardous Substance or Envkomnontal Law of which Borrrnwr has actual knoafedpe. II BonoWeylb, ejfiI r Is notified by any governmental or regulatory out", that any removal of otherrwdNtion of any Hazardous Subsisnoe�a lhp Properly Is neaeeary, Borrower shall promptly take all nocaaeary remedial actions in aocordance with Environmental Low. /;',- 1� M used In this puegoph 2p, fHgisr ous Substance" are those aubstanas defined as loxic or hazardous substances by Environmental Law and the following subst noe�s�y, aP kerosene. other Mrewnable or toxic petroleum products, toxic peshddes and herbicides. volatile solvents, materials o"Islninp li5bgato ,formaldehyde, and radioactive materials. As used m{hVkji; fsph 20.'Environrantal Law' means btlenl teals and laws of the jurisdiction whore the Property Is faceted that relate to health, &a ty of environmental protection. 21, Aocoleretlon; KoINdNa.-Lendr shell give notice to Borrower prof to acceteraBon following Borrower's broach of any covenant or agreernenl In this SeW}ity"In41 9 t (but not prior to accalamflon under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the efauti; (b) the action required to cure the default; (a) a date, not lees than 10 days from the date the notice N given to Borrower, by v4i tits defepe must lea cured; and (it) that failure to cure the default on or before the data specified in the notice may result in moateralbn of the so'qy sect red by (his Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shell lurtner Inform 8o . , ( 6 1Jh� right to reinstate after acceleration and the fight to eased In the (McI0wro proceeding the non-existence of a deteult a on r de epee of Borrower to acceleration and foreclosure. If the default is not cured on or before the dale specified In the notice, Lendat, et I�.;" lio, may require Immediate payment In Nil of all sums secured by this Security Inswmenl without luriher demand and mar' forocldiepplyinswmenlby KudkWp(ocWing Londershallbeenikladtocottectall expo rases inW mad In punukg tlo remedtes Drovided pl�iJ "Deragfooh 21. including, but not knitted to, reasonable attorneys bee and )waste of the the evidence, 22,Release. aaw, Upon pay mmtotal wow wand p'! cnerpe, to Borrower. Borrower shall par' curer' rocordalbn te.,- 2a. Attow"' Pass. M used In this Security InsW(MryL by an "list& scud. 24. Riders to this Saettdty IrntnatonL If one or nrore'Q Insbumen, the covenenn and agreements of each such rider shi and agrnmants of This Security Instrument cue if the ridef(s)were Adjustable Rote Rider Graduated Psymenl Rider Balloon Rider Rate 14 Family Rider Biweekly Psyment Rider Others) (specify SIGNING BELOW, Borrower accepts and agrees to the tonne and covenants exacted by Borrower and recrdad with It Signed, naiad and delivered In the presence of: C/ VAN$$ Signature: G.��"�AC" egnal0rry, non, Lander oral release this Severity Insbuman, wiaaut "shomeys' lees" shell include any attorneysfees awarded dad by Borrower and recorded together with this Secunh ated Into and shall amend and supptemenl the covenants Secrily Inebumont. (Check Applicable Box) Condominium Rider Saand Mome Rider Planned Unit Development Rider r Instrument and in any rkbrfe) Whness Mint New: (mot'/fie/e v e. f a Yw ognnum. Borrower Witness Slpnalvm::�trw >, tc�K 1 , Witness Print New I `ice ' `JC , rl u Address: 603 N. 18'" ST Immokalee, Florida 34142 STATE OF_FbrWa_ COUNTY OF_Collbr_ I hereby certify that on this day, before fee, an officer duty authorized In Its state stwnaid end In the county aforesaid to take edmoWwdtantents, penonallyappeatod Mae Joyoa German to me known to be tbe pon in(s) described in and who executed the foregoing Insbument and acknowledged before me that HEy SHE/ THEY executed the same cur the purpose therein expressed. WITNESS my hand and official seal in the County and Stele eforeedd this 171h day of September, loge My ComeNssion Expires: DcNISE KIRK MY WJ:10 cc 011022 Fcb te. 2%1 9l IN ArtIYeM'.a S4nV thin _R'N'l& I,rtz 2813444 OR; 2844 PG; 1166 au ill":ie lets! n n[ 1LOFI IIODIIDO D OAAU I1JIM" NL'OIDID It. the OFFICIAL ncom of coven Com r! nc nS 15.10 lISI 0 nuilm1 M IIIS 4611111001 At 10MAN DIIIM 1. IIJIM CLIN 000•135 MIS roam o IAfUI it 31111 a6COND MORTGA R THIS SECOND MORTGAGE 'Smudty Inelmmenl') is given on August 28. 2000. The Second Mortgagor Is: Teresa atoakner ('Sorrow«'). This Security lnslrumenl is given (0 Collier County ('Lenderl, which is organized and existing under the taws of the United States of Am«ice, and whose addrees Is 2800 North Horseshoe Drive, Naples, Florida 34104 . Borrower owes Lender the sum of Three Thousand Thrse ollars 7,100.00 ). This ,debt Is evidenced by Borrower's Nola dated the game date as this Security Inslnmyent ('Second Mortgage), which provides la monthly payments, with the lull debt. It not paid senior, due and payable on sale o! DroDertY, sellnutae or loan og isorestead exgptlon . This Security lnalrumenl secures to Lervler,(e) OerePaymenldthe Mdebt evidenced by One Note, with Interest, and all renewals, exlensbna and modiibelum; (b) the payment of as other sumo, with Interest advanced under paragraph 7 to protect the security of the Security Instrument; and let the Parfomuece 01 Borrowers Covenants and agreements uafgr thla Seou���dryryry Inslmmenl and the Nolo, For this purpose, Sonower doss hereby second mortgage, grant and convey to Lender the following dee�Cri!beiyproperty located In Co County, Feree. Book 11 Naples, Matter Ex More paniculedy descdbod rig• '�t02, t Public Rwords of CokNr County Fends. Fokos6220aM0006 and which has the address Of (-PropertyAddress'):_�,".a_.,9d6 Sholtz St, TOGETHER WITH all the lmprovements nowa royalties. Mnerel, oil and gag rights and; praOtsn water replacements, and addllbns shell also lSeyovgrardbythe A the -properttr. jurisdiction to con0111ute 0 untform secwity mglrUmenl a UNIFORM COVENANTS. Borrower and Lem 1. PaMotof PHnclpal and Internet; Pist1i and Interest on the debt evidenced by the Note. 2, Taxes. The Mortgagor will pay All taxes, as Ih6foon. That Mortgagor shall pay ormoo tote paid,lawfully any kind whatsoever mayetAny Urnsbelawfully Property land() basicschargeso Incurred orearner Property, end (0) all eaneemente or othel govemrter Interest did; and. to pn 4. Chug"; mayattstn prforny OWr oil nolleee of amount 8onoworsho ihm paymenl of tho otnll enforcement of Mellon the holder of the ten at part of the Property is a the ten. Borrow« era 6, Raaard a Allies the fight to hold reneweloaiceg. It not made pier Borrower shall payall taxes, ass ;uriy Instmrnenl, and lersehold 0d under this Peregreph, end ell ,n„Ara h.ron anvilan which has clod on the property, and all easements, rights. ePPurt0fur es, rams, ock and all IlMures now or hereafter a part of the property. All m nil. All of the foregoing is referred loin this Securirylmtmment es of the estate hereby conveyed and has the right to mortgage, grant pt for emumMances of record. Borrower warrants and will defend act to any encumbrances of record. a for mo net. use and nonunNamcovenant with tinxtod venation by sporty. nd agree as follows: to Charpss. Sonower shall promptly PAY When due the prncipal of ,vor rents or water false pricy 10"Accrual Of anyPenaltln Of Interest AM reaped to the Property, (2) an utility ere other 0, use, occupancy, upkeep andkrprwerrent of de e paid in Inbtal menis over a period of years. the �Wlmante ae are required lobs And OAV thel«m 10 M dgagae evidence of such payment. tymeMe received by Lends " be Appnetl: first, to ,'end Impositions attributable to the Property which ei1 eny. Borrower shall prompth f rinsh to Lender pat nor. J Iru ant n see Borrower (e) agrees in wdW gto ontnelsingood faith the ken by, «defends against Wan artloroemarddde ten;a(c)aecuresirefn dry1 •irumenl. It. Lender delonfir sthat any wh mew at" Borrower a notice idenbying eetiey the lion n or take one of men of the eclene eel forth above w, M rift giving l notice. Atop" Ingurar m. Borower shell keep the I rovernent now eid/ In & ofeeker erected on ins Property Ire, hazards Included within the term'extended coverage' end eny0thb(,llciudNtg hoods a flooding, for nguram, This Ineeratim shell be maintained In 0e amount end la that Lends squires. The no the insurance shell be Chosen by Borrower Subject to Lenders approvd' .. _brutsreesat www"Id lain coverage described above. Lender may, at Lenders option, obtain coverage to ad lenders rights in the Nth paragraph T, At AN Ems theta the Note is outstanding, to Matgag«ehsN Maintain _--. Isis and for such amount n are cutromerity, Insured against and pay, esthe sa0(due and payable, all late, Imiucang. but not limited to, all -dale Insurance Protecting the interest of the MorWg9« and Mor4egee epeirtel emlsse by Ilm ligmnu g, and otherGtuaaee customadly he«edAgainst (kclucang bollore)yloaion, N approplee), extended coverage endommul, jnduding debris removal Covrege. Ruch Wuronca stale tlmes eba Mt enarfeunl facemant Poet of the Premises, exclnMe of feelings and founda0on. aik:les and renewals shallbs acceptable to Lender and shell Include a standard mod" come. LoWershallhave Pies and farewells. It Lender requires, Borrower shall promptly give to Lender all receipt of pail premiums and lothe lnsuranceoarrier and Lendor• Lendermoyntakeproololloss Borrower. and Bon( Ibn or pal from Lender may uge ue pn day period will I principal shell I payment. It un dantogs to the 1 pilot to the acq,. e. a Borrower then ( Ineuument and unless Lender which are boys waste on the Pt IIn when the notice 18 meil6d. Unit rxlend or DoetPon the due dais epee In writing, In6uranPe proceeds shell be (rely feasible end Lenders secudy, Is not Insured. It the restoration or be eesgned, the Insurance proceeds shell be applled to the sums accused b' mdons the Property, or does not answer within 30 antler may collect the Insurance proceeds. Lender aurlrylntWmenl whether«not. than due. The30, is agree In wn0% any application of proceeds to If to In paragraph 1 or change the amount of the nylnsurance policies and "CeeM reau0irgfam ors secured bythis SecudyIfsburrenN riectaley sty; SMis re Loan Appticg1e0, LWNwkM. 1witrin sixtydays aflrtheexeaalat of "a Secariy a for at east one year attar the date of occupancy. Nhhek), a unless extenuating circumstances exist Plop", allow the Paprtyto deteriorate, orcoranit 1, whgtMr civil ur criminal, is begun that In Lenders "Me a claim, mgsacuredb,, nd Borrower r "no, Makiinnree end Protection and o r the Peep" As WOwers Pdn shelf be ..,,,ud.vp 1 OR; 2844 PG; 1167 FORK O Inslmmenl and shell continue to occupy the Property as Borrowers principal residence for at least one year after the data of occupancy, unless Lander otherwise agrees In writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default If any forfeiture action or proceeding, whether civil or criminal, Is begun that In Lenders good faith Judgment could result in forfeiture of the Property or otherwise materially impair the lion created by this Security Instrument or Lander$ wanly interest. Borrower may cure such a default and reinstate, as provided In paragraph 18, by causing the acbon or proeeeding to be dismissed with a ruling that, in Lenders good faith determination, produces Forfeiture of the Borrowers interest in the Property or other material Impairment of the lien created by this Security Instrument or Lenders sawnty Inlerealliorowor shall $too be in default if Borrower, during the loan application procon, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loon evidenced by the Note, including, but not limited to, representations concerning Borrower's oaupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provision of the lease. if Borrower acquires to title to the Property, the lonehoW and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protectlon of Londors Rights In the Proporty.lf Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lenders rights In the Property (such as a proceeding in bankruptcy, probate, for concentration or forfeiture or to enforce taws or regulations), then Lender may do and pay for whatever Is necessary to protect the value of the Property and Lenders rights In the Property. Lenders actions may include paying any sums secured by alien which has pnonly over this Security Instrument, appearing in our, paying reasonable atlomeys' %es and entering on the Property to make repairs. Although Lander may take action under this paragraph 7, Lender does not have to do so Any amounts disbursed by lender under this paragraph 7 shall briZA1 additionat debt of Borrower seared by (big Security InsWmanl Unless Borrower and Lander agree to other terms of payment, these ri na shall bear interest from the date of disbursement at the Note rate and SU payable, with inloresl, upon notice From Lender Ile rp i, equesting payment. S. Mortgage Insyr(nca.L It Lender required mortgage Insurance as a condition of making the loan secured by this Secunly instmmenl, Borrower eNaff(;tlf" 0 ramlums required to maintain the mortgage Insurance in effecif, for any reason, the mortgage insurance average required by l'e I lapses or ceases to be in effect. Borrower shall pay the premiums required to obtain coverage substantially equivalent to Ihe'mO oil insurance previously in effect, at a coil substantially equivalent to the cost to Borrower of the mortgage insurance previous in after from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available rroi(rer shall pay to Lender each month a Bum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower an the Insurance coverage lapsed or coaled to be in all Lender wig accept, use and retain these payments as a loss r son o in lieu ofln01A a,`, nsurance Loss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage tin Ihevmgd"nl. rid for the period Thal lender requires) provided by an Insurer approved by Lender again becofnes available and is oblainad. Bortojve. shall pay the premiums required to maintain mortgage insurance in effect, or to provide a lose reserve, until the requiromeni for modgap Inavrence\entls In accordance with any written agreement between Borrower and Lender or applicable low. N S. Inspection. Lender or its agent �nicareasonable entries upon and inspections of the Property. Lender shall give Borrower nonce at the time of of prior to an Ins cc(lop (pptitying reasonable cause for the inspection. 10, Condemnation, The for ads o(:a y, any or claim For damages, direct or consequential, in connection with any condemnation or other taking of any pad of the Propeflqq`-.1 For' nveyance in lieu of condemnation, am hereby assigned and shall be paid to Lender. In The event of a total taking of the PropBrtys; 1he,pr ads shall be applied to the sums seared by this Secunty Instrument, whether of not than due, with any excess paid 10 eorroyer'� fir Ih ,event of a partial taking of the Property, in which the fair market value of the Property inunedistely before the taking is equal to, r/' slot\1 an the amount of ins sums seared by this Secunly Instrument Immedistely before the taking, unless Bo mower and Lends? Iharwi 'hpras In writing, the sums secured by this Secunty Instrument shall be mduood by the amount of the proceeds multiplied by the folio 01rECLyy'ooA. (a) the total amount of the sums seared immediately before the taking, divided by (b) the fair market Value of the Property imr 1 If y before the taking, Any balance shall be paid to Borrowls"he even) oft partial taking of the Property in which the lair market very, 611qe ,CCooper y Immediately before the taking is feaa than the amount of the sums seared inxnedia(ely for the taking, unfees Borrower ahf,l2rapt giherwise agree in winning or union applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Bepun��a(rumenl whether or not the sums are then due. Unless Lender and Borrower otherwin agree In writing, any application of pfet of s k(Rhadpai shall not extend or postpone the due dale of the monthly payments referred to in paragraphs t or change the amount of s.(iclrpo�fri nla. 11. Borrower Not Roioond, Forboaranca8y Lander Not a Wa Or x(apsion of the time for payment or modification of amod,d izalion of the sums secured by Ohio Security Instrument granted by Le r lop8y i coessur in Interest of Borrower shell not operate to release the liability of the original Borrower or Borowers succasnre in intilinKlond rr shalt not be required to commence proceedings against any successor In Interest or refuse to extend time for payment or otherwin,rngdiy amorknoon of the sums seared by this Security Instument by reason of any demand made by the ongInal Borrower or Borrowers suagnors In Interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any rwhr or medy. 12. Bucconems and Assigns Bound; Joint and Several Liability; Co-Sliffixihp C .anants and agreements of this Seventy Instrument shall bind and benefit the successors and assigns of Lander and Borrower, "aubi, d'!%tn Provisions of paragaph 17. Borrowers covenants and agreements shell be joint and severpapphy 1. rower who co -suns this Secunly In lmment but does not execute the Note; (a) Is co-signing this Security Instrument only tot,. Ago , rent and convey that Borovrees Interest In the Propertyunder the terms of this Security Instrument; (b) Is not personally obligated #payv t sum "cured by this Security Instumenl; and (a) agrees that Lender and any other Borrower may agree to extend, modify, foe bpofbrr, #ire any agcommodaliona wish regard to the terms of this Security Instrument or the Note without that Borrower$ consent. ✓ 4jn 16. Loon Charges, If the loan secured by this Security Instrument is subject to a low which sd'Is nimuns loan charges, and that law is finally interpreted" that the Interest or other loon charges collected or to be collected to eooA Will the loon exceed the permitted limits, then: (a) any such ban charge shall be reduced by the amount necessary to reduce Ili charge to the permitted land: and (b) any sums already collected from 800Ower which exceeded permitted limits will be refunded to Borrower. Lender may than 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 frosted as a partial prepayment without any prepayment charge under the Note. 14. Notion. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first clan mall union applicable law required use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 16. Governing Law; Sovmblllty. This Security Instrument shell be governed by federal law and the law of the jurisdictmn in which the Property is located. In the event that any provision or douse of this Seamy Instrument or the Note conflicts with applicable law. such conflict shell not affect other provisions of this Security Instrument or (Moto which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16, Borromr's Copy. Borrower shall be given one conformed copy of the Note and of this Seventy Instrument. 17. Transfer of the Property or a BeneRclU interest In eo enovnrif all or any part of the Property or any Interest In it is sold or transferred (or if a beneficial interest In Borrower is sold or transferred and Borrower Is viol a natural pawn) without Lenders prior carmen consent, Lender may, at He option, require immediate payment In full of all sums seared by this Security Instrument. However, this option shall not be exercised by Lender If exercise is prohibited by federal law as or the dale of this Security Instrument. If Lender exercised this option, Lender shalt give Borrower notice of acceleration. The notice shall provide a period of not teas than 30 days from the dale the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay the" sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further. notice or demantl on Borrower. to. Borrowers Right to Reinstate. If Borrower meets certain conditions. Borrower shall have the right to have enforcomenl of this Security Instumenl discontinued at any 1'xne prior to the earlier of: (a) 6 days (or such other period as applicable law may specify for ralnstotemenU before safe of the Property pursuant to any power of sale contained In this Security Instrument, or (b) entry of a judgment cchnyed.wo *** OR; 2844 PG; 1168 **' FORM e enforcing this Security Instrument, Those condilions are that Borower (a) pays Lender all sums which then would be due under this Security Instrument and the Note as Rho a ;ooleralion had occurred; (b) cures and default of any other covenants or agreements; (c)pays all expenses incurred in enforcing this Security Instrument, Including, but not limited to, reasonable attorney's fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lende(s rights in the Property and Sorrower's obligation to pay the sums secured by this Searily Instrument shall continue unchanged Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully eftecl its as if no acceleration had occurred. However, this right to reinstate shell not apply in the use of acceleration under paragraph 17. 10. Sale of Note; Change of Loan Servlcsr,The Note or a partial interest in the Note (together with this Security Instrument) may be sold one Or more times Without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Service(') that collects monthly payments due under the Nola and this Security Instrument. There also may be one of more changes of the Loan Servicer unrelated to a safe of the Note, If there is a change of the LosServicer. Borrower will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will state the name and addrou of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazsrdous Substances. Borrower shall not cause or permit (he presence, use, disposal, storage, or release of any Hazardous Substances on Orin the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law The preceding two sentences shall not apply to the presence, use, or storage on the Property, of small qua mares of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give nder written notice for any invas0gation, claim, demand, lawsuit or other action by any governmental or rapulelory agency or pnw4,�d p �IY.involving Ihe Property and any Hazardous Substance or Environmental Lawolwhich Borrower has actual knowledge. II Sorrow'sr1¢er a -Ur le notUied by any governmental or regulatory authority. (hat any removal or olhsmedlallon of any Hazardous Subslence eHpy�irlg Ihe; P, operty ie necessary, Borrower shell promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, :iir up Subslanws'"are (hose substances defined as toxic or hazardous substances by Environmental Law and Ihe following eubeteh2eFg egliniil kerosene, other Aemntable or toxic petroleum products. toxic pesticides and herbicides, voldide solvent', materials containing a'bgatba-0rjormaldehyde, and rodioedive materiels. Ae used In This aregreph 20, "Environmental Law' means federal laws and laws of the Junsdidron where the Property is fowled Ihe( relele to aeeilh, solely or enyi[on arils( protection. 21, Aocx I Von; Romsdls� Le�de shall pave nonce to Borrower prior to acceleration following Borrower's breach of any coven 1 or a0'arrom in this Ba"hly"tn4lfu and (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shell specify: (a) (he efeult;_ib) the action required to cure the default; to) a dale, not less clan 30 days hem the date Ihe notice is gNen to Bonaw6 by which he defe if us( be cured, and (d) that failure to cure few defaull on or before the date speabed in the not" may result in acceleration of the su(n sagb d by this Securely Instrument, foreclosure by judicial proceeding and sale of the Properly. The notice shall further inlonn Barrel nyll�etight to reinstate alter acceleration and the right to eased in the toredoaure proceeding the norf'exletenw of a default or any lhdr de(epb of Borrower to acceleration and foreclosure. it the default is not cured on or before the dale specified In the notice, Lender, at Its"(('�p toleh; npy lequlre Immediate payment in full of all sums secured by (his Security instrument without further demand and may foreclose thigZuIlkInetmmenl by Judicial proceeding. Lender shall be entitled to collect all expansee Inmued in pursuing the remedies provided in tIK(to ua4pla of the title evidence hh 24 Including, foul not limited to, reasonebreasonableehamoys lees and caste . ✓'; �/> 22. Retirees. Upon payment of all Bums secured )e 5eib\ nty Instrument, Lender shall release this Security Instrument, without charge, to Borrower. Borrower shall pay any recordation coat6 23. Atlomsys' Foes. As used In this Security Instrument rid the to. "attomeye' lees" shall include any aHomeyafees awarded by an appellate count. .;' 24. Riders to this Security InslrushantIt one or more ett meted by Bonowm and recorded together with this Sacunty Instrument, the covenants and agreements of each such nder shell in on d into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(') were a pad of III rity Inshument. (Check Applicable Box) Adjustable Rate Rider Graduated Payment Rider Balloon Rider Rate Improvement 14 Family Rider Biweekly Payment Rider Other($) (specify SIGNING BELOW, Borrower accepts and agrees to the terms and covenants executed by Borrower and recorded with iL Signed, sealed and deliver line prosen Wines$ Signature: Signature:& Borrower Wisest Print Nome:,( paCMAa rJ Signature:_ Condominium Rider Second Home Rider Planned Unit Development Rider Instrument end in any ridegs) oorrower Waned Spneluro: 1411ridu KID Wilneu Print Name: \p(�t- Address: 5446 Sholtz St T Naples, Florida 34113 STATE OF Florida COUNTY OF_Collier_ 3 I hereby certify that on this day, before me, an officer duly authorized in the elate aforesaid and in the county aforesaid to lake acknowledgements, personally appeared Tersaa Stookner to me known to be the person(s) described in and who executed the foregoing instrument and acknowledged before me that HEI SHEI THEY exewled the some for (he purpose (heroin expressed. WITNESS my hand and Official seal in (he County and State aforesaid this August 28. 2000. My Commission Expires: VI, C /. 1 Note C PubliC'a Blur.._ y .AURENI. BEARD (al 'l]'(' At\'(UMF1151U\It\"^^IW Notary's Printed Name q 1Le W]Ulal I nyl1 (SEAL) rYw 1 �a1A11 In .1.1 L-.�.n � ILliJ.11 ' 3 ccnnJ ad.wo 3964879 OR: 4174 PG: 3135 o RECORDED in OFFICIAL RECORDS of COLLIER COUNTY, EL 01/21/2001 at 03:21PK DEIGHT I. BROCK, CLERK OBLD 15000.00 OELI 15000,00 SECOND MORTGAGE RIC TEE 27.00 DOC-135 52.50 Retb: ROUSING It GRANTS DEFT/SHIP INTEROFFICE ATTN: EINOT KLOPT X;I THIS SECOND MORTGAGE("Security Instrument") is given on January 2007. The Second Mortgagoris: Teresa Stookner, a single woman ("Borrower'). This Security Instrument is given to Collier County ("Lender"), which is organized and existing under the laws of the United States of America, and whose address is 3050 North Horseshoe Drive E110, Naples, Florida 34104. Bonowerowes Lenderthe sum of Fifteen Thousand Dollara(U.S.S 15,000.00).This,debtis evidenced by Borrowers Note dated the same date as this Security instrument ("Second Mortgage"), which provides formonthly payments, with the full debt, N not paid carter, due and payable on sale of property, refinance, or loss of homestead exemption. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and moJlifications;(b) the payment of all other sums, with Interest advanced under paragraph Ito protect the security, of the SecudtylnsWme[!t: dtiv(c)the pedorreance of Borrowers covenants and agreements under UsSecurity lnswmenl and the Note. For this purpose, eorrowe�i)fies hBFby second mortgage, grant and convey to Lender the following described property located in Collier County,Florida. S , More particularly described ag:Lo 2J�lock 11, amended plalof Naples Manor Extension, according to the Platen file and recorded i the Public records of Coiller can 1'torlda, at Plat Book 3 at page 101. Follo362206640008 and which has the address of: ("Property Address"): royalties, mineral, oil and gas Instrument shall also cover all and convey the Property and that the Property Is in generally the title to the Property against ail claims THIS SECURITY INSTRUMENT combim jurisdiction to constitute a uniform security InsWml UNIFORM COVENANTS. Borrower and 1. Payment of Principal and Interest;P and interest on the debt evidenced by the Note. 2. Taxes. The Mortgagorwill pay all taxer thereon. A on the property, and all easements, rights, appurtenances, rents, d all fixtures now or hereafter a part of the property. The Security ,going is referred to in this Security lnsWment as the "Property'. the estate hereby conveyed and has the right to mortgage, grant for encumbrances of record. Borrower warrants and will defend 1 to any encumbrances of record. ornational use and non -uniform covenants with limited variation by agree as follows: Charges. Borrower shall promptly paywhen due the principal of of anypenaldesorinteresl The Mortgagor shall poyorcause to be paid, as the same respaCO Bemmedue, (AX7)all taxes and governmental charges of any kind whatsoever which may at any time be lawfully assessed or le' dgafin; or Win respect to the Property, (2) all utility and other charges,Including"service charges", Incurred or imposed for the operaloin I nt enca, use, occupancy, upkeep and improvemenlof the Property, and (3) all assessments or other govemmenlai charges that may`7�!M�u°ll e paid in installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay orcauselo be paitlon Flint - ins allmenis as are required to bepaid dudrg the term of the Mortgage, and shall, promptly after the payment of any of the foregoing, Sotward o Mortgagee evidence of such payment. 3. Application of Payments. Unless applicable law provides mherwisb,-all payroePls received by Lendershall be applied; first to Interest due; and, to principal due; and last, to any late charges due under the Note. - 4. Charges; Liens. Borrower shall payall taxes, assessments, charges, Ones(ad,E .sltions allbWable to the Property which may attain priority over this Security instrument, and leasehold payments orground rehtp,i�If@ny�9sai shall promptly famish to Lender all notices of amounts to be paid under this paragraph, and all receipts evidencing the pa)lnepI -- '\ Borrower shall promptly discharge any lien which has pdorityover this Security InstVnd3mmentuhless Borrower. fa) agrees inwridnr to eaforeeurentof the lien in, legal proceedings which in the Lenders opinion operate to preventtliamdor{e,n tofihe lien; or(c)searestrom the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Searitylns(ium Lender determines that any pan oflhe Property Is subject to a lien, which may attain priorityoverthe Security lnsWment, Lendermaygly BonnweranoUceldentifyirg the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 daysbt _�jjlvlrg of MUM. 6. Hazard or Property Insurance. Borrower shall keep the Improvements now existing orfaffier erected on the Property Insured against loss by fire, hazards included within the lann "extended coverage" and any other hazards, including floods or flooding, for which Lender requires Insurance. This insurance shall be maintained In the amounts and for the periods that Lender requires. The Insurance carrier providing the insurance shall be chosen by Borrower subject to Lenders approval, which shall net be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lenders option, obtain coveragelo prated Lenders rights In the Property in accordance with paragraph 7. At all times that the Note Is outstanding, the Mongagorshall maintain insumncewith respect to the Premises against such risks and for such amounts as are customarily Insured againsland pay, as Insecure become due and payable, all premiums in respect thereto, Including, but not ilmited to, all-risk insurance protecting the Interests of the Mortgagor and Mortgagee against loss or damage to the Premises by fire, lightning, and other casualties customarily Insured against (Including boiler explosion, if appropriate), with a uniform standard extended coverageendorsement, Includingdebds removal coverage. Suchinsumnceatalllimestobe in an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lenderand shall Include a standard mortgage cause. Lendershall have the right to hold the polices and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the eventof loss, Borrowershall give prompt notice to the insurance carder and Lender. lender maymakeproofof loss it not made promptly by Borrower. Unless Lender and Borrower otherwise agree In writing, Insurance proceeds shall be applied to restoration or repair of the Property damaged, N the restoration or repair Is economically feasible and Lenders security Is not lessened. If the restoration or repair is not economically feasible or Lenders security would be lessened, the insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answerwflhln 30 days a notice from Lender that the Insurance Cartier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or net Uren due. The 30- day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due dale of the monthly payments referred to In paragraph 1 or change the amount of the payments. If under paragraph 21 the Propertyls acquired by Lender, Borrowers right to any Insurance polices and proceeds manning from damage to the Property pnorto the acquisition shall pass to Lender to the extent of the sums seared bythis Security Instrument immediately prior to the acquisition. y„ed. cop OR; 4174 PG; 3136 eomr o 6. Occupancy, Proservagon, Maintenance and Protection of the Property; Bormwars Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Propertyas Borrowers principal residence within sixty days afterihe execution of this Security Instrument and shall continue to occupy the Property as Borrowers principal residence for at least one year after the dale of occupancy, unless Lender otherwise agrees In writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destroy damage orimperthe Properly, allows the Property to deteriorate, orcommit waste on the Property. Borrower shall be in default If any forfeiture action or proceeding, whether civil or criminal, Is begun that In Lenders good faith judgment could result in forfeiture of the Property or otherwise materially Impair the lien created by this Seedy Instrument or Lenders security Interest. Borrower may core such a default and reinstate, as provided In paragraph 18, bycausing the action or proceeding to be dismissed with a ruling that, in Lenders good faith determination, precludes forfeiture of the Borrowers interest In the Property Mother material impairment of the lien created by this Security Instrument or Lenders security interest. Borrower shall also be In default ffBonower, during the loan application process, gave materially false or Inaccurate Information or statements to Lender (or failed to provide lender with any material Information) in connection with the loan evidenced by the Note, Including, but not limited to, representations concerning provision of Ole lease. If Borrower ac the merger in writing. 7. Protectionoflenders Security Instrument, or there Is a let bankruptcy, probate, for condemnalk to protect the value of the Prbcerty a terms of payment, these afi notice from Lender to Born 8. Mortgage Im Instrument, Borrower shall a principal residence. If this Security Instrument Is on leasehold, Bormwershall complywith all the Tres fee this, to the Property, the leasehold and the fee file shall not merge unless Lender agrees to ghts in the Property. If Borrower fails to perform the covenants and agreements contained In this proceeding that may significantly affect Lenders fights in the Property (such as a proceeding In n forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever Is necessary Lenders rights in the Property. Lenders actions may Include paying any sums secured by a lien, ument, appealing In mud, paying reasonable attorneys' fees and entering on the Property to make in under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under I debt of Borrower seared by this Security Instrument. Unless Borrower and Lender agmeto other rear Interest from the date of disbursement at the Note rate and shall be payable, with interest, upon mortgage Insurance previously in effect(Gi Insurance coverage is not available, Bbri coo premium being paid by Borrower when thd'I payments as a loss reserve In lieu of mong mortgage insurance coverage (In the some becomes available and is obtained. Borrow reserve, unlit the requirement for mortgage applicable law. 9. Inspection. Lender or its ag Borrower notice at the time of or prior to an 10. Condemnation. The oroa Lender. in the event of a total tat or not then due, with any excel Property Immediately before the before the taking, unless Borrow the amount of the proceeds mu divided by ge) the fair market val required mortgage Insurance as a condition of making the loan seared by this Security required to maintain the mortgage insurance In effect. If, for any reason, the mortgage or ceases to be In effect, Borrower shall pay the premiums required to obtain coverage race previously in effect, at a cost substantially equivalent to the cost to Borrower of the halternate mortgage insurer approved by Lender. If substantially equivalent mortgage l pay to lender each month a sum equal to one -twelfth of the yearly mortgage Insurance rance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these insurance. Loss reserve payments may no longer be required, at the option of Lender, If igqd,ror a period that Lender requires) provided by an Insurer approved by Lender again I Ra apremiums required to maintain mortgage Insurance In effect, or to provide a loss mance'e,l,in accordance with any written agreement between Borrower and Lender or Ante shall be paid to Borrower. In the event of a re the taking Is less than the ameunlof the sums seared Immediately for the taking, unless Borrower and Lender otherwise a ee[Ph ling of unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by Oils Security InsWmen)�f�{f�e er)r,�not the sums are then due. Unless Lender and Borrower otherwise agree in wiling, any application of proceeds to prinUpa("sh l not Stand or postpone the due date of the monthly payments referred to In paragraphs 1 or change the amount of such paymonl5., r 11. Borrower Not Released, Forbearance By Lender Not a Walvltr ension of the time for payment or modification of amortization of the sums secured by this Security InsWment granted by Lenderto anysucce'ssor In interestof Borrower shall noloperale to reteee the liability of the odginal Borrower or Borrowers successors in interest. Lend ep'rh, lItt be required to commence proceedings against any suaessorin interest or refuse to extend Umefor payment orotherwise mod'Od�tYY ark zetien of the sums secured by this Seedy Instrument by reason of any demand made by the original Borrower or Borrowers successbrs�la lriI@rest. Any forbearance by Lender in exercising any right or remedy shall not be a walver of or preclude the exercise of any righ(,O, rerrtecry 12. Successors and Assigns Bound; Joint and Several Liability; Co -Signers. The bo 4nanis and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject= w.I Is nsofparagrap`t17.Bonowers covenants and agreements shall beJolnl and several. Any Borrowerwho arsigns this Sec, lrisOifine�nt Ipf does not execute the Note; (a) is co-signing this Scanty Instrument only to mortgage, grant and convey that Bonowere Interest in tif8 Property under the terms of this SaSedty Instrument: (b) Is not personally obligated to pay the sums seared by This Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbearormake any accommodations with regard to the td� oIt Secudty InsWmentorthe Note without that Borrowers consent. 13. Loan Charges.Ifthe loan secured by this Security instrument is subject to a lawwlech sets maximum loan charges, and that lawis finally Interpreted so that the Interest mother loan charges collected or to be collected in connectionwith the ban exceed thepermitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted Hndl; 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 under the Note. 14. Notices. Any notice to Borrower provided for In this Security Instrument shall be given by delivering It or by mailing it by First dean mail unless applicable law required use of another method. The nolice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. Federal law and the law of thejunsdickm In which the Property is located shall govern this Security Instrument. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such con01c1 shall eutaffectother provisions of this SecuritylnsWmentor the Nolewhlch can be given effect without the conflding provision. To this and the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrowers copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer ofthe Property or a Beneficial Interest In Borrower, Ifali or anypartof the Properyorany interest In it is sold or transferred (or if a beneficial Interest In Borrower Is sold or transferred and Borrower Is not a natural person) without Lenders prior mitten consent, Lender may, at its Option, require Immediate payment in full of all sums seared by this Seedy instrument. However, Lendershall not exercise this option if federal law as of the dale of this Security instrument prohibits exercise. If Lender exercised 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 delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower falls to pay these sums prior to the expiration of this period, Lender may invoke any remedies permuted by this Security Instrument without further notice or demand on sonower. may;riike'reaa�nable entries upon and Inspections of the Property. Lender shall give heUioAg)pec f fling (easonable cause for the Inspection. s of any.afva d�o ,c{aim for damages, direct or consequential, in connection with any 'mpery" convey nce in lieu ofoundemnagon, are hereby assigned and shall bepaid to any, the pmCf:gds`5ha,I, _ e applied term sums severed bythis SecudtylnsWment,whether war. in the evep of,a p al taking of the Property, In which the fair market value of the to or greater than Iggnlof the sums seared by this Security Instrument Immediately hthervilse agree IdvttiUggA%jNums seared by this Security Instrument shall be reduced by Iled by the following of the Property Man **1 OR; 4174 PG; 3137 *** 19. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at anytime poor to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained In this Security Instrument; or entry of ajudgment enforcing this Security Instrument. Those conditions are (hat Borrower: (a) pays Lender all sums which than would be due under this Security Instrument and the Note as If no acceleration had occurred; (b) arse and 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; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lenders rights In the Prepefty and Borrower's obligation to pay the sums seared by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations seared hereby shall remain fully effective as if no acceleration had ooeurred. However, this right to reinstate shall not apply In the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servitor. The Note or a partial Interestin the Note (together with this Seadly Instrument) may be sold one carriers times without prior notice to Borrower. A sale may result Ina change In the entity (known as the "Loan Servicer') that collects monthly payments due undertho Note and this Security Instrument. There also may 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, Bonower Will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will stale the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other Information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on arm the Property. Borrower shallnot do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, orstorage on the Property of small quantities of Hazardous Subs faces that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower sti ; p o Ily give lender written noflce for any Investigation, claim, demand, lawsuit or other action by any governmental orfeglilafory' m±pcy or private party Involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual nazi dgJ" e� ,I6 forrower teams, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazi ZU6,rbu,starce affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environme'ntAl L2v ;its used in this paragraph 20, "Hazardous Substances" are those substances dented as toxic or hazardous substances I E1lvlum Ant Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, tore pestiddes an herbid as -Ia01a solvents, materials containing asbestos or formaldehyde, and radioactive materials. As "En used in this paragraph 20, vlrb enla Law' means federal laws and lam of thejudsdiction where the Property is located that relate to health, safety or environmental protection..., 21. Acceleration; Remedies. ',lien tar shall give notice to Borrower prior to acceleration following Borrowers breach of any covenant or agreement in this Seam{/ InstrP'ment (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specay:(a) toosIefault;�b) the action required to core the default;(c) a dale, not less than 30 days Rare the dale the notice is given to Borrower, by which 0dcefaul(mU lbe cured; and (d) that failure to cure the default on or before the date specified in the notice may result In accele2tion of the fang sseui by this Security Instrument, foreclosure byJudidal proceeding and sale of the Property. The notice shall further Inform Borrvwefid e,right to relnstate after acceleration and the fight to assert in the foreclosure preceding the nonexistence of a default or anybilief fill.@.logf Borrower to acceleration and foreclosure. If the defaul(Is not cured on or before the dale specified in the nolice, Lender, ah(isl�dd ligfi ay require immediate payment in full of all sums seared by this Security Instrument without further demand and may foreclose eW ir'((yy [instrument by judicial proceeding. Lender shall be enfilled to collect all expenses Inamed in pursuing the remedles provided irt:iifi(s p5 aylaph 21, Including, but not limited to, reasonable attorneys fees and costs of the bile evidence. . _1% 22. Release. Upon payment of all sums searoty InsWment, Lendershall release this SecurityItainumen4 without charge, to Borrower, Borrower shall pay any recordation costs:' 23. Aftomays' Fees. As used in this Security InsW'�nd e,Note,"allomeWfises"shall include anyattomrys'fees awarded by an appellate mud. 24. Rlders to this Security lnstrumont Ito or core' a� � $e emled by Borrower and recorded logetherwith this Security InsWment, the covenants and agreements of each such ridershall bd'In'o�A Into and shall amend and supplement the covenants and agreements of this Security Instrument as 0 the dder(s) were a pad of)hl , Instrument. (Check Applicable Box) Adjustable Rate Rider u Rele Imlirodem'¢nl' Icier Condominium Rider u Graduated Payment Rider IA Family Second Home Rider u Balloon Rider ❑ Biweekly Paym$nI ' or _ ❑ Planned Unit Development Rider —1 `. L� Olher(s)(specifY {.`f SIGNING BELOW, Borrower accepts and agrees to the teas and covenants contaipeddi IfO3 Security Instrument and In any rider(s) executed by Borrower and recorded With It, Signed, sealed and `delivered �In the presence of: Winces, Signature: U .k% QQA� Signature. Borrower Tacasa Stock Witness Print Name:'V1�,A1i�—Signature:.5 Borrower Witness Signature: r� Witness Print Name: W1AII, Address: 5446 Sholtz St, Naples, Florida 34113 STATE OF Florida COUNTY OF Collier I hereby certify that on this day, before me, an officer duly authorized In the state aforesaid and In the county aforesaid to take acknowledgements, personally appeared TER Srh STOCKNER to ma known to be the person(s) described in and who executed the foregoing instrument and acknowledged before me that HE/ SHE/ THEY executed the same for the purpose therein expressed. WITNESS my hand and official seal in the County and State aforesaid this January %52007. My Commission Expires `^t No rye Blirlg Sigv Note s Pont Names' (SEAL) ,�yr, 7iy�x WFA9YA no" IAyf:OMMISSIONr OW" 746 EXPIRES: Apn112,2008 ImV emwmvwsaFurcuroe.mo 3 r:etl.wp INSTR 5578725 OR 5527 PG 409 RECORDED 6/28/2018 3:59 PM PAGES 2 CLERK OF THE CIRCUIT COURT AND COMPTROLLER, COLLIER COUNTY FLORIDA REC $18.50 Prepared by: Wendy Klopf Collier County Community & Human Services Division 3339 E. Tamiami Trail, Building H, #21I Naples, FL 34112 THIS SPACE FOR RECORDING RELEASE Or LIEN KNOW ALL N4VNj ,MY�HESE PRESENTS: That Collier County, whose post office address is 3299 E. Tamiami trgjl, Ngrples, Florida 34112, the owner(s) and holder(s) of a certain Impact Fee Waiver Agreements' outed by Immokalee Habitat for Humanity, Inc. to Collier County, having met th ' 15 year affordability housing obligation associated with the $80,203.71 of SHIP Impact Fee Waiyers,' o ,which is hereby acknowledged does remise, release, quitclaim, exonerate and discharge fioa,�j lien and operation of the said agreement, that certain portion of the premises conveyed by sai'd/lien, more particularly described as follows: The undersigned is authorized to and'dos.$i named properties, and consents to these Ligh said properties. 1 This Release of Lien was approved b 2018, Agenda Item `LELI ATTEST:�.>t,C.I i App6sta9 gproa•tNal orrmanA' atity: (7�in Assistant County Attorney 55'�� Exhibit A release these Liens with respect to the above- g forever discharged of record with respect to BOARD OF COL of County Commissioners on *** OR 5527 PG 410 *** EXHIBIT A Various lots as listed below for, Naples Manor Extension, Amended Plat according to the plat thereof recorded in Plat Book 3, Page 101, of the Public Records of Collier County, Florida. BCC 15-year Impact Impact Fee Resolution 0 approval-' CO date affordability Legal Description* Fee Amount date',--�,., end date (OR/Page) 94-377 6/7/1994-` 11 9411995 9/21/2010 Lot 1, Block 5, Naples 1956/0918 $6,169.52 Manor Extension 94-378 6/7/1994 '-�212' /1�Q5 9/21/2010 Lot 2, Block 5, Naples 1956/0924 $6,169.52 Manor Extension 94-385 9/7/1994 12 12/31/2010 Lot Blockr Naples 1956/0966 $6,169.52 Manoh31/1995 Extension o 93-468 6/7/1994 6/201994?.'-' 6/24/2009 Lot or Block 4, Naples Manor Extension 1956/1065 $6,169.51 94-379 6/7/1994 418/1996 478/, 011 Lot27, Block 4, Naples 1956/0930 $6,169.52 Manor Extension 94-383 6/7/1994 12/31/1995 10 /3 /26 Lot 28,Block 4,Naples 1956/0954 $6,169.52 — Manor Extension 94-382 6/7/1994 2/1/1995 2[� p " Lot30, Block 4, Naples 1956/0948 $6,169.52 Manor Extension 93-471 6/7/1994 6/3/1994 6/3/200,9,-= Lot 45, Block 4, Naples 1957/0299 $6,169.51 no Extension 94-381 6/7/1994 7/26/1995 7/26/2010!;; 'L•$P Block 7, Naples 1956/0942 $6,169.52 Mapei� xtension 94.376 617/1994 7/31/1995 7/31/2010 0, (0;R ock 8, Naples '.ension 1956/0912 $6,169,521 bnPi 93-465 6/7/1994 6/24/1994 6/24/2009 Lot 33;,$1" Ck 11, Naples MaitoY�ateltsign 1956/1093 $6,169,51 93-466 6/7/1994 6/24/1994 6/24/2009 Lot34 l6. l- ;Staples 1956/1079 $6,169.51 xl�-- Manor Ens n. 93-464 6/7/1994 6/3/1994 6/3/2009 Lot32, Bloc „I : I "aples Manor Extelsio 1956/1086 $6,169.51 9 IHaI 2810646 OR; 2841�; 1130 uC ,,, 18Df9.GC roam 0 Rol RICOROID to the 0111CtAL RICORDI of COLLIIR COO1% IL DOC-,0S SL50 I111R01![CI�,OIIII101 OR 01/13/2001 It 07:26AN DII011 1, !ROCK, C4111 "toy 1WfI Bill MORTGAGE THIS SECOND MORTGAGE ('Security Inshumenl') Is given on May 4, 2001. The Second Mortgagor Is: Gail Yaason ('Bonowne). This Secudtylnslmmenl It given to_Collier County ('Lentler'), which Is organized and existing under the laws of the United Slates of America, and whose address is 3050 North Horseshoe Drive s145, Naples, Florida 34104 . Sonowerowea LBnderthesUm Of ri£teen Thousand dollars (U.SA 15,000.00 6TNs,dobl Is evidenced by Borrowers Note dated the same data as fhb Saudly Instrument (TacoM Mortgage'). which pmvklN la monthly payments, with the lull debt, if not paid aadier, due and payable on Sala o! DroDertY tetiwno*' or loss of hosrstsad esresmtion . This Security Instrument secures to Lender. (o) the repeymenl of me debt evidenced by the Nole, with Interest. and all renewals, extensions and modifications; (b) the payment of all other sun)$, with Interest advanced under paragraph 7 to protect the secuntyol the Security Instrument: and the performance of Boaow es covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hol,obysecond monga0e, grant and conveyto lender the following described property located in Collier _Count', Florida f More particularly dasdr big a 8 } 119, Unit 1 Ousil Roost Folbe 6M7$M and wOlr 1address of ('Property Address'): ` `y9 ?Grosbeak Ln _ Na 4'6 Florida 34114 TOGETHER WITH ell the i'rovemenle now orhereafter orected onthe properly, and all casements. rights, appurtenances, rents, royalties, minimal, oft and pas rights and proflb: water rights and &lock and all fixtures now a hereafter a part Of the Property. Ail replacements and addllbne shall also boyvgratl ythe Secudylnstrument. All of the foregoing is refenedto In this Saudly Instrument as the'Propedy. I, BORROWER COVENANTS theI over lalawluily seized of the estate hereby conveyed and has the right to mortgage. grant and convey the Property antl that the Props- feuuigbared, except for encumbrance& of record. Borrower warrants and will defend generally bw tlbe to the Property against ell clelyds ntl rid nde, subind to any encumbrances olrecord. THIS SECURITY INSTRUMENT comblp e4n11 govarents,far national use and ewn•unhorrocovenanb with limited variation by xrd.dmtwn to oonebtute a unllorm security InstrumentCovelinp teal property. UNIFORM COVENANTS. Borrower and Le, vc 944n M 1. Payment of Prklolpal and lnteaat;Prod 1f1, and Interest on Me debt evidenced by the Note. ; 2. Tax". The Mortgagor will pay all taxes, assees,411a, thereon. The Mortgagorpay Of shelfit lobepaid, at wfullymesin,r any kindgee, mdodAfver which may a any time be lawfully imposed for the ohopenr Iand (3) all rvice assessments so I then governmental tal charges Properly and (g) all aeaesamenl8 or other govemmanlal charges ModgaOorehail be obligated under the Mortgage to pay Of cause to It of the Modgage, and shelf, promptly after the Payment of any of the $, ApplbWon of Payments. Union applkable law proof Interest due; and, 10 principal due; and last, to any late charges due 4. Charges;Lbne, Bonowor shall pay all taxes, 8e8688n maystleln priodly over this Security Instrument, and leasehold payn all notices of amounts to be paid untler this parsomph, and all race Borrower enall promptly discharge anyllen which has prior one of the Property Is Subtect 10 a lien which may attain priority over the s Iion. Bonower $hall Satisfy the lien of take one Or more of the action d. Hershel a proposty Insurance. Borrower shall keep the tied against bee by fire, hazards Included within the term 'extended, On Londer requires Insurance. This Insurance shall be maintained innwanier providing the Insurance shall be chosen by Borrows Sul w.,,,,,.. Wi. e, n 1nJAin cnv.,. descdbad above. Lender m iv. el las a damage to me Promised oyllfe, Ign ring, emu arwacasusnwe,: with a uniform standard extended coverage endomemom, Including dot Am leas than me lull replacement cost of the Planning, exdusive of le All Imajames policies and renewals shall be acceptable to far the right to hold the policies and renewals. If Leader rOgUireS, Borrow renewal n01NAs. In the event of loss. 9onower shall give prompt notice e nni,n.da, ..IW he Ran..,_ and Borrower otherwise to or repair is econom Insuumnl, whether or not than sue, wen any excess Peru tc days a notice from Lender that the insurance carrl0r has Offs may use tM prOceetls to reDelr or reslaa Iha Property or IO I day period rill begin when the notice IB mailed. Unless Lei principal shall not oxten0 a postpone me due tlete of the agree as follows: Charges. Sonower shall prompfypaywhen due the principald aoCmal Of enypenalfks a Interest am due, (A)(1) all taxes and governmental charges of or with reaped to the Prop". (2) all utility and other once, use, oaupancy, upkeep and improv¢mentot me ly be paid In Installments over a period of years• the n installments as are required to be paid during the tens 'and l0 Mortgagee evltlence of Such Payment. Iilu.1s mmivad by Lender shelf be 90011ed: bell. to Borrower shah promptly in Icied on the Prop" floods of flooding, for ender requires. The t Lenders rights in me eewith respect to Ole for and payable, all antl Mortgagee against pkakn, II appropriate), mas to be In an amount as endemortgage clause. lender shell have e to LLander all receipts Lead& 01 geld premium and lot and Leader. Lendermy make gourd kSs I, Insurance proceeds Shelf be Soleestaaeon or repair of the Property antl Lenders security Is not lessened. II the restoration Or repair Is not e Insurance proceeds shall be applied to the Sums Secured by the Security mower, If Borrower abandons the Property, or does not answer within 30 to sent# a claim, men Lender may collect the Insurance proceeds. Lender somesouredbythleSaoltyIn$Yum LwheiwWrwlUrender. The3P r antl Borrower otherwise agree in wrlang, any application of proceeds to ,ntmy payments taloned to In paragraph I or charge this amount of the dwamageHloto lihe Prope�ilyodw to the ecqul�elSUo ehaBllpaea to iendertolhoexlenlwer'Sd Ureht oeumelnsurance aecuredbythl$S udtylns0003 and p tTu etlSurr+711MtOtyey prior to the ecquleltlon. a. OooupenoY, Preeerwibn, auk leaana end Protection of tM Property; Borrower's Loan Applkatlon, Lso seholrH. Borrower shall occupy. eeleblleh, and use the Properly as Borrowers principal residence within sixty days ekeriha executlon d rob Security la'"a nI end (hall continue to occupY the Property ell eorrowete principal reclderwe Ia at least one year Sher the date of oaupancy. unbN Lender oMerwim agrees In vrtlMp, which consent shall not be unreasonably withhold, a unless extenuating circumstances exist xhkhare beyonO BorrOwerecontrol. BOnoWar shell not destroy, damage orinpelr me Property, easvUw PropeMrodserkrate,acarcrat waste on tlw Property. Bonowerehallbein default it enylateilure action or proceeding, whether civil orcdminal, is begun that In lenders 1 ..w•ed. wp OR: 2841 PG: 1131 ppod lallh judgmentlure could result In for of the Property or otherwise materially Impair the lien created by this Security Instrumenl or Lemlera swurifyinleresl. Borrower may cure such a default and reinstate. as provided in paragraph la. by causing the action or prawding lobe dismissed with a ruling that, In Loners good faith determination, precludee lodellure of the Borrowers interest In the Properly or other material Impalement of the lien created by this Security Instrument or Lenders security inleresl. Borrower shall also be In default it Borrower, during the loan application process, gave materially false or Inaccurate Information or slatemenls to Lender for Iailed to provido Lender Win any material Information) In com ocllon with the loan evidencod by Ilse Note, Including, but not limited to, representations concerning Bonowete occupancy of the Property as a principal msidemo. It this Security Instrument Ism a leasehold. Behavior shall comply w in all thaprovlslonotlholease it Borrower acqulreslee title to the Propedy, the leasehold and the fee title shall not merge unless Lender agrees to the morger In willing. 7. Protoolion of lender's Rights in the Property, It BOuOwor falls to perform the covenants and agreements contained in this SKUrity Instrument, or there Is a legal proceeding Ihm may significantly AOKI Lender's lights In the Property (such as a proceeding in bankruptcy, probate, forcondemnallon or lodellure or to enforce laws or regusilons), than Lender may do and pay lot whatever Is necessary to protect the value of the Property and Landers rights In the Properly. Lender's actions may Include paying any sums secured by a lien which has prlodtyover this Security Instrument, appearing In court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Anyamounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrowerand Lendetagmetoothor Iona of payment, these amounts shall bear Interest from the dale of disbursement at the NOIo rate and shall be payable, voth interest, upon notice from Lender to Borrower requesting payment. s. Mortgage Insurance. 11 Lender required mortgage Insurance as a condition of making the loan secured by this Security Instrument, Bottom( shall pay the premiums required to maintain the mortgage Insurance in effect. It, for any reason, the mortgage Insurance coverage rggdirod�/''',�Ly Lender lapses or ceases to bo In effect, Borrower shall pay the premiums required to obtain coverage substantially equlvple4' g{e'"rijortgage Insurance previously In effect, at a Cost substantially equivalent to the cost to Borrower of the mortgage insurance previou�§gI n slier.!, from an Alternate mortgage Insurer approved by Lender. If substantially equivalent mortgage imurancecomage Is nbl.e4ai�lp ICA, Onower shall pay to lendereach month a sum equal to onedwelhh of the yearly mortgage insurance premium being paid by 8onovper ydiar the Insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss raserve'Iglllllliey gl rpailgage Insurance. Loss reserve paymems may no longer be required, at the option of Lender, it mortgage Insurance coverage lltflhe 6'r , I and lot the period that Lender requires) provided by an Insurer approved by Lender again becomes available and Is oblairmill p"pat shall pay the premiums required to maintain mortgage insurance in Affect, or to provide a toss reserve, until the roqulremant for trI rigage Insurance ends In accordance with any written agreement between Borrower and Lender or Applicable law. 0. lnpntlon. Lender or Borrower notice at the if= of or pilot 10, Condemnation. The In the event of a total taking of the an due. Wlh any excess bald to the the amount make reasonable entries upon end InspoctlOns of the Pfoperly. Lender shall give m specifying reasonable cause for the Inspecllon. ariK award or claim for damages, direct or consequential, in Connection with any rtv. or for conveyance in had of condemnation, are harebyassigned and shall be pad to partial taking of the Property In which the lair market velueef thq?f secured Immediately for the taking, unless Borrowerend lens elves proceeds Shall be applied to the sumo secured by this GNUAs Borrower Otherwise Agree In walla g, any applINUon of prwea�J§A6 on paymens referred to in Daragrapha t or chango the amount of each pat If. Borrower Not RSIauMI Porbsarance By LenNr t amorizaton of the sums secured by this Security Instrument granted ti release the liability of the aiglnal BWOwef Ot 80110x01's successors n against any t rocamet In interest or refuse to extend time for Payment 01 Instrument by reason of any demand made by the original Borrower or exorcising any right or romody shall not be a waiver of or preclude the a 12. eucosssors rim Assigns Bound; Joint and S hnnal Lk Instrument shall bind and benefit the succomom and amigna of Lender Provisions of paragraph 17. Borrowers covenants and agreements slur Insimmenl but does hot execule the Note; (a) is co-blgnirg this Secuf t Interest In the Property Under the terms of this Security instrument; (b) Is Instrument; and (a) agrees that Lender and any other Borrower may agl regard to the lams of this Security Instrument or the Note without that B 10. Loen Charon. Illhe loan securedbylhle Securltyinstmn law Is Iineilylnlerpreled so that the Interest or other loan charges collecte hung, Usn: (a) any ouch loan charge shall be reduced by the amount noc already Collected from Borrower which exceeded permitted limits will be reducing the principal owed under the Note or by making a direct payme treated as a partial prepayment without any prepayment charge under 1 cis" mail unless applicable law to Borrower desl0natas by Atka to paragraph. is. Governing Law; which the Property Is located. In 1 Ouch conflict shall not affect oche provision. To this antl the provisl 16. eorrower'SCopy, 17. TNsrNer of the Pr transferred (or II a beneficial Inlet consent, Lender may, at Its option, shall not be exemised by Lander I the sums secured by this Swunly Ins Wn of the Property, In which the fair market ums secured by this Security Inaimmenl I of the sums secured immediately before the taking, fy balance shall be paid to Borrower. In the event of a ybefore the taking is loss Nan the amount of the sums silting or unless applicable law otherwise provides, the r or not the sumo are than due. Unless Lender and not extend or postpone the due data of the monthly Extension of the time for payment or modification of y successor In interest of Borrower shall notOperate to Oder shell Out be required to commence proceedings Ily amortization of the sums secured by this Security nsom In inleresl. Any forbearance by Lender in n dghl cr remedy. gDs al The Covenants and agreements or U s Security refunded to Borrower, Lc nt to Borrows/,. II a refun he Note. ity Instrument shall be W' Vice shall be directed to a be given to Borrower or Borrower who cmelgns this Security a, grant and convey that Borrowers ay the sums secured bythis Security i or make any accommodations with Will: and (b) anysurrs to make this refund by it. the reduction will be r by malling it by fist oranyth oaraddress as provided in this 8amobility. This Security Instrument shall be governed by federal law and the law of the judadklon In he event that any provision or clause of this Security Instrument or the Note conflicts wilh applicable law, I provisions of this Security Instrument or the Note which can be given effect without the Confiding one of this Security Instrument and the Note are declared to be severable. Borrower shall be given one condemned copy of the Note and of this Security instrument. oparly a a Benaflolal Intuitional In Borrower. 11 all or any pad of the Property at any Interest in it is sold or eat In Borrower is sold or transferred and Borrower Is not a natural person) without Lenders prior whiten require Immediate payment In full of all sumo secured by this Security Instrument. However, this option I exercise Is prohibited by federal law as of the date of this Secudly Instrument. ider shall give Borrower ticks of acceleration. The notice shall provide a period of not toss than 30 days Is delivered or mallod want which BW rOWer must pay all sums secured by this Security Instrument. It Borrower falls o the expiration of this period, Lender may Invoke any remedies permitted by this Security Inslnlmentwithout Willer 1s. Borrower's Right to pdnedU. If Bottower meel9 cenaln condltlona. Borrower shell have the right to nave enlomemenl of this Security Instrument discontinued at any time prior to the Nifier of : (a) 5 days (or such other period as applicable law may specify lot ralnstatemid) before sale of the Property purouant to any power of sale contained In this Security Instrument; or (b) entry of aJudgment enforcing this Security Instrument. Those conditions are that Borrower. (a) pays Lander all sums which then would be due undo, Oils Security Instument and the Note as it no acceleration had occurred: (b) cures and default of any other Covenants or agreements; (c) pays all expenses Incurred In enforcing this Security Instrument, Including, but not Ilmlled to, reasonable Aaorneya bass; end (d) takes such Action as Lender may reasonably require to assure that the lien of this Security Insimmen6 Lenders dons In the Propartyand Borrowers obtigalbn to Pay the sums secured by thle Security Instrument shall continue unchanged. Upon relnetatemenl ley Borrower, this Security Insimmenl and the obligations secured hereby shall emain fuliyeflective as ll no acceleration had owunod. However, this tight to reinstate shall not apply In "wed.w 11 • *** OR; 2841 PG; 1132 *** the case of acceleration under paragraph 17. 19. SW of Nota; Chang* of Leon SWVI ar. The Note Ora partial Interest In the Note (logelherwlth Ihis Security InsWmanq may be sold one or more times without prior notice to Borrower. A sale may result Ina change In the entity (known as the 'Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Serycer unrelated to a sale of the Note. If there Is a change of the loan Servlcer, Bonover will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will state the earns and address of the new loan Servk:er and the address to which payments should be made. The notice will also contain any other Information required by applicable law. 20. Hazardous Substances, Borrower shall not cause or parent the presence, use, disposal. storage, or release of any Hazardous Substanossonorin the Property. Borrower shell not do, not allow onlemornse to do, anything affecting the Property that is In violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Properyof small quamilles of Hazardous Substances that are generally recognized to be approprlate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any investigation, claim, demand lawsuit or other action by any governmental or knowledge. II Borrower learns, or Is nolifled by any governments] or regulatory authority, that any removal or other romedetion of any Hazardous Substance affecting the Property Is necessary, Borrower shall promptly lake all necessary remedial actions In accordance with Environmental Law. As used In this paragraph 20.'Hazardous Substances' are those substances deilned as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other Itammable or IOxlo PeVeleum products, toot pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used n this paragraph 20,'Envlronmental Law' means federal laws and laws of the duds coon where the Properly Is lociled that relate I9. heVth tialoty, or environmental protection. 21. Aco*NiN(Qnp * tlM*. Lender shall give notice to Borrower pilot to acceleration following Borrower's breach of any covenant of agreement in I IIc Se2uSity, Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shalfcpael�fl,( the delaulC(D)the action required to cure lee tlelaull;(c)edata, not less than' 0deys from the date the notice Is given to Bonowd.(: by wti tea default must be cured; and (d) that failure to cure the delau]I on or before the date specilled In Ina notice may result In eccofera loJx f t)iasums secured by this Security Instrumenl, foreclosure by judicial proceeding and sale of the Properly. The notice shall further ipldrf¢., nowsr of the right to reinstate after acceleration and the right to assert In the foreclosure proceeding(henomexislonceofadoo tofanyother delensoof Borrower to acceleration and foreclosum. If the default is notcuredon or before the date Specified in the notice, Lender, at Its oplion. may require Immolate payment In full of all sums secured by this Security Insbumenlvehhoulfudhordemano and rosy loracl se thlo Secutlry lnslmmenl hyjudlclel proceedinnp. Lender shell be entitled to called all axpenaeslncurredinpurs I lheremedieS,In In this paragraph 2 t,Including, but not limited to, reasonable aaomeys leas andcosts of the (Ide evidence. 22. R*Na*s. Upon payment of al(g2ms !"cur by this Security instrument, Lender shall release this Security instrument,without charge, to Borrower, Borrower shall pay any iecpr flop $is, 23. Attorney]' Fan. As aced In Ihic $,ed irity In (rymeni and the NOW, `attorneys' Ieee'sheil Include anyaflomoyc' Zees awarded by an appellate court. 24.RldKotodrNssourityfnsbument. I(ddg cirmf riders are executed by Borrower and recorded together with this Security m Instruen6 m the covenants and agreements of each such Id§t�Iililj be Incorporated Into and shalt amend and supplement the covenants and agreements of this Security Instrument as If the rider(s) }(this Security Instmment. (Check Applicable Box) ❑ Adjustable Rate Rider ❑ He rr4pcuveln6 1 Hider ❑ Condominium Rider ❑ Graduated Payment❑ Rider ,.4 FemlI I or' ❑ Second Home Rider ❑ Balloon Rider ❑ Biweekly PeyrrignWdat, ❑ Planned Unit Dovelopment Rider Other($) (specify SIGNING BELOW, Borrower accords and agrees to the terms and covenants executed by Borrower and recorded with 11, Signed, sealed and deliver In the presence of: c Wllneee Slpnelure:_ � �' Signalere�j Witness Print Name: QC, i c•.1 S t))T'Lt, J Borrower Signature:_. Wllneee Slpnalure:�,Ql..),y..' _ Borrower Wllneee Pdni Name: �lr� � Address: In this Security Instrument and In any ddar(s) -- ,- I - -- STATE OF —Florida - COUNTY OF Collier dam: tr I hereby cedlly (hat on this day, before me, an officer duly authorized In the Stale aforesaid and in I acknowiedpsments,pemonallyappearod GaiI Paxson tomeknownlobeihepemon(s)deeodbedineyk Instrument and acknowledged before me that HE/ SHED THEY executed the same for the purpose Ihoreln expressed. WITNESS my hand and official seal In the County and State aforesaid this May 4, 2001. My Commission Expires: Notary Public's Sl finaluJa. Notarye Printed Name (SEAL) T LAUREN J. USA" l NYCO �RI's •C('mwx MnF ewISas Iwu:cor LIOP).NOTAAY MNay Gn¢apltw.n to to take m,ad.W 0 AeLB; 2882651 OR: 2921 G: 0466 DBL1 155000 00 roux o ROUSING A URBAN INPAOVININT INTIA 0111CI AICOIDID In the gR)CIAB AICOAD3 11/07/2001 at 07:00 OVIGHt 1. of COLLIIA 001111, It BROCI, CIRRI AIC 111 DOC'.05 15.00 5750 Aft VINDf NL011 SECOND MORTGAGE THIS SECOND MOHTOAGE ('Security Instrument') Is given on October 17.2001. The Second Mortgagor is: Juanita Lapse ('Bwiowo'). The Security lusuumonl is given to i'u I..1 i.•r County CLender'), which is organized and warning undo, the laws of the United States of America. and whose address is 3.010 North Horseshoe Drive 014 1, Nor, tea. i Id., Ia 10.1: Burrower owes Lender the sum or /i fteon Thousand Dollars (U.S. 1 16, 000. 001. This, debt is uvuLo iced by Borrower's Note rated the same date as this Security instrument ('Second Mortgage'), winch provides toy monthly payments, wllhll to lull call if not paid eadar, due and payable on sale of property, refiwncar or loss of huses stoad exemption. This Socurry Instrument socures to Lender: (a) the repayment of the debt evidenced by the Note, with Interest, and all ,enuwels, oxdunsiuns and mu li ications; (b) Iho payment of all other sums, with interest sell under paragraph 7 to protect the security of the Security Instrument; and (o) Ire performance of Borrower's covenants and agreements under Ims Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located In Col 1 i o r �'oujlt Florida Moll, particularly of laid which ties the ("Property Address'): toyainus ,nuclei, or and gas Inslrutiuld shall also cover at and convey the Prepaid gunurally the Ilan 10 the 16, Black 3, of Eden park, Public Racords of Collfer County Florida. Folio030682520004 pmsulclen to consetole a uniform seeurel UNIFORM COVENANTS. Born t. Payment of Principle and IF and Interest on rile debt evidenced by the 2. Texas. The Mortgagor will pit Ihaoon. s flower hereafter barred on the property, and all easerrants, all appurtenances, rents. star rights and stook and all fixtures now or hereafter a pan of the property. The Security, additions. All of the foregoing is retorted to in this Security Instrument as the 'Property'. wor is lawfully seized of the estate hereby conveyed and has the Fight to mortgage, grant unencumbered, except for encumbrances of record. Borrower warrants and will defend Is-ard demands, subject to any encumbrances of record. Dose term covenants for national use and nommnilonn covenants with limited variation by mnLc. Write real Draft II and agrou as follows: Lots Charges. Borrower shall promptly paywhon due the Principle of sower rents or water rates prior to the accrual of anyponaltios or interest The Mortgagor shall pay or cause to be paid, self ppin Of, -¢¢¢pit itelybecome due,(A)(1) all taxes and governmental charges of any kind whatsoever which may at any time be awl ally as ad 6 IF led against or with respect to the Property, (2) all unity and other charges, incluirg'service charges', incurred or imposedloYY1,, tigePal'n,maintenance, use,oaupancy, upkeep and improvemonlul the Property, and L3) all assessments or other governmental chhlg a That y lawfully be paid In installments over a period of years, the Mortgagor shall be, obligated under the Mortgage to payer causo to I," I," ly such Installments as ate rogmredto Ina, paid during the term of Iho Mortgage, and shall, promptly alter the payment of any of t)teloj g6fg'gu forward to Mortgagee evidence of such payment. 3. Application of Payments. Unless applicable law prov[d a6Lt�pvis all payments received by Lander shall be applied; first, to Inertesl due; and, to Principle duo; and last, to any late charges due under Ili . Of@. a. Charges;Llens. Borrower shall pay all (axes, assessments, gestfekos andirrµesitfonsaflnbutable to the Property, which may same priority over this Security instrument and leasehold payments o(grdynd`rgis,ilany. Borrower shall promptly furnish to Lender all notices of amounts to be prod miler this paragraph, and all tacoryts ovidonpindltio 1 ymunls. Borrower shall promptly discharge any lion which has priority over ItilsSdcyMy�bunothe unless Borrower: (a) agrees In writing to die payment of the obligation secured by the lion In a manner acceptable to Lander,,(b)co seta in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate{d,;pye ant the enlorcemenl of the lion; or (e) secures from the holder of the Ilan an agreement satisfactory to lender subordinaling the lion to this Security{ allotment. If Lender determines that any pad of Ilia Property Is subject to a lien, which may attain priority over the Security Instrmrten))Kdr.3¢ may give Borrower a babes Itlenblying Iholnon. Borrower shall satisfy the limn or lake one or more of the actions set loth above kilhlh.)U days of the giving of notice. 6. Hazard or Property Insurance. Borrower shall keep the improvements Acrazi Vslinpp If aher eroded on the Property msumtl against loss by for, hazards Included within the term'exlended coverage' and any offiqexa, nciudmUlloodsm flooding, for which Lender requires insurance. This insurance shall be maintained In the amounts end;lb�{ha pagth; that Lender requires. The Insurance carrier Providing tile ders e Insurance shall be chosen by Borrower subject to LenAppyo , I;y .�K Shall not be unreasonably warhold. It Borrower falls to maintain coverage described above, Lender may, at Lender's option, girl,9inEpvp spa to protect tendor's Fights Inds Pfopertym accordance with paragraph 7. At all lrms that the Note is outstanding, the MongagOr sna7 'a1.q Ininsuraceew�threspect to the Premises against such risks and lot such amounts as are customarily Insured against 8rltl pay, a6lha Ir -b, and Payable, all premiums in respect Inerelo, including, but not limited to, all-risk Insurance protecting the Interests, It gagorand Mortgagee against loss or damage to (he Premises by lire, lightning, and other casualties customarily Insured again'' (including holler explosion, If appropriate), with a uniform standard extended coverage ondo rn me e, including debris removal coverage. Such in eff8a a at all ones to be fit an amlount not less In an the full replacement cost of the Promises, exclusive of feelings and foundations. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgagedause. Londorshalihave Btu light to hold the policies and renewals. If Leader requires. Borrower shall promptly give to Lender all recalpts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the Insurance carrier and Lender. Lender may make proof of loss it not made promptly by Borrower. Unless Lender and Borrower otherwise agree In writing, insurance proceeds shall be applied to restoration of repair of the Property damaged, it rho restoration or repair is econuxAcally feasible and Lenders security Is not lessened. It the restoration or repair is not o,ummleally trouble or Lender's security would be lessened, the Insurance proceeds shall be applied to the sums secured by the Security mstmma r, whether or riot then due, with any excess paid to Borrower. It Borrower abandons the Property, or does not answer within 30 days a notice tram Londar Ihul Ilia insurance cantor has littered le settle a clalm, then Lender maycohiect the insurance proceeds. Lender may use Iho proceeds to repair or restore the Property or to pay sums secured by this Security Instrumenl, whether or ref than due. The 30- U ty period wail begin when the police is mailed Unless Lender and Borrower otherwise agree In waiting, any applba0on of proceeds to Principle shall not extend or postpone the due dale of the monthly payments retorted to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrowor's right to any insurance Policies and proceeds resulting Irma damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument Immediately prior to die acquisition. 6. Occupancy, Preservatlon, Maintenance and Protection of the Property; Borrower's Lose Applicotlon, Lessahollf Borrower shall occupy, establish, and use the Property as Botowor's Principle residence within sixty days allot the allergen of this Security Instrument and shall continue to occupy the Property as BOrrowil PrImcIP10 residence for at least one year &tier the date of occupancy, ufie as Lender otherwnso agrees In writing, whfor consent shall not be unreasonably withhold, or unless extenuating circumstances exist Which are beyond Borrower's control. Borrower shall not destroy, damage or impair the Property, allows the Property to doledorale. or commit waste on the Property. Borrower shall N In default It anyfodeftere action or proceeding, whetharciwl orcdminej, is begun that In Lender's good faith judgment could result in forfeiture of the Propery or otherwise materially Impel the lion created by this Security „.u.1.uil 0 0 OR: 2921 PG: 0467 Yom o If ISlnmmm or Lender's security mlorust. Borrower may cure such a default slid rounstate, as provided In parayraph 10, bycausing the action or procooUatg tube dmins sod will a ruling that, in Londoes good lailh dolenninmion, precludes lodoitmo of the Borrowors mteresl in the Pmpurly or olhennatmcl illpain en it of the lion created by this Security lnstrumonl or Lender's security interest. Borrower shall also be In default it Borrower, during lire loan application process, gave materially false cr maccumto information or easements to Lender (or tailed to ,ituwue Lender w.lh any m;du Iin Inlomalmn) in connection wan (ho loan evidenced by Ilia Note, including, but not limited to. representations tom:urnnig Bel awm's uccupaucy of the pmpolty as it ptmaplu losdo ce, II lire Sucody Insbumune rs on IeaveholJ, Barruwer shall comply rmlb ell Ito pruwslol ul Iho waso. It Borrower acquires Joe title to Iha Properly, ilia loasolwld and the lee title shall not merge unless Lender ngmub le Iho margin ul rrtlbuy 7. Prolectlon of Londor's Rights In the Property, It Borrower faits to pod arm the covenants and agreements contained in this S.r stay Instrumenl, of Ihuro Is a loyal proceeding that Italy significantly affect Lenders rights in the Propuny (such as a proceeding fit b.unangdcy, pl ubmo. for cauduummme or fodolum or to alliance laws or Iugulabuns). Ilion (.ender maydo and pay for whalevm is necessary b" pmlucl III" value of Iho Prupurly and Lender's uglds if Ilia Pfopedy. Lender's actions may include paying any sums secured bya hen wmdl lifts plumy oven gub Sucenly Inslmalmd, appealing ul coud, paying reasonable adcarmys' foes and clearing on the Ptopedy to omke ,uptnts Allhougb Louder may 'like action miner this paragraph7. Lender does not have to do so. Any amounts disbursed by Lender under mop:n;ngrrpin7slydl bueonw oJddlonal debt al Ooruwm saVureU by lllls Sueunly lnslruuwnl Unless Borrower and Lender agree to other wens of PayIttvfll, thusu dmumds shall bead Interest Imo Ilia date of disbursement at tine Note rate and shall to payable, with Interest. upon ammo fluty Lender to Bonuwof mquesling p;rymma S. Mortgage Insurance. If Lender required mortgage insurance as it eoddlun of making Iho limn secured by this Security hi, aommit. Borrower Mina pay the premldus required to mannlaln the mortgage insurance In ellecl. II, for any mason. the mortgage nnurmce coverage ("need by Lender lapses of causes to be III affect Borrower shall pay the prmmmans required to obtain coverage subsmnaally equivalent to pea nnongago insurance previously fit ollect, at a cost substantially equivalent If, the cost to Borrows) of The fin uq)ugu 11 nufenea ludw �f(,/.�ay lfl offucl, boat fill ;dlmnnto mortgage insurer approved by Lebow. It substantially equivalent mortgage Insmanca cavmugo'Urfl;Wigf Ju, Borrower shall pay to Lender each Itenth a sum equal to one-twolfth of the yearly mortgage Insurance prnnlmn bony pall by Not, _; 2 ofvraen the Insurance coverage topsoil or coasad to be In ellect. Lender will accept, use and retain these paymmnts as e loss rostlr4ull too mongago msuranco Loss reservo payments may no longo(be required, at the option of Lender, if munguye Insunuca cuveritg+ pn,llt autuunl nod lot Iha porioJ that Lender requires) provided by an msum, approved by Lender again bucunms:rv;umhln and is utL�nrtid' oawer shell PaY the Vminlums required to mumlaht mortgage insurance mellod, or to provide aloss rosinve, until Ilia requuumm� , In it ago unsuranee ends obetween Borrower accordance with any written agreement betwBorrower and Lender or applicable law.'l�J 9. Inopaction . Lender o its agent may make reasonable mends upon and inspections of the Property. Lender shall give Bonuwor notice at the Inns of or prior loan im; flail spocilying reasonable cause for The inspection. 10. Condemnollon. Tns\jpoeyu of any award or claim for damages, direct of consequential, In connection with any cundmnfallen orolher liking of any Pan bllh P,upudy, er for conveyance In ilea of condemnation, are hereby assigned and shall be paid to Lender. In Iho uvent ul a tolal taking of IhB P oporlylho proceeds shall be applied to the sums secured by this Secwnty1warumenl, whether fir It'll Ihsn due, rem any excuss paid to ponowm 111 a event of a partial taking of able Property, m which the lair market value of the Plopsrtynnomdlatolybclorotholakingnsoquq(1.'or g!o ear than the amount of the sums secured bylhis Security Instrument immediately Wow ilia taking, unlusa Bunuwet and Lander Quleryrla. ihIle hl wiling, the sums secured by this Security Instrument shall be reduced by Ilia amount of the Proceeds ululupfieJ by Ole lohdm ly'Irictlgf (a) the total amount of the sums secured immediately before the taking, Jwafud bytbl Ilia liar nuukul value of the Property inn'j Ll �,M, store the taking. Any balance shall be paid to Borrows(. In the event of parbil taking of tile ore Property which Ilia fair unarket Value the opedy immediately before the taking is loss than the amount of the sums secured lnanudtululylor Ilia taking, unless Benowerad�Ca9it at mWRe agree In Writ, ng or unless applicable law otherwise provides, the prucuuJs after[ be appied to Ilia sums secured by This Or l sl(umeet whatnot or not the sums are then due. Unless Lender and Hummer otherwise agree in wrong, any application of prdc otla fe Ptinciplo shall not extend or postpone the due date of the monthly paynamis rofeneU to at paragraphs I or change the amount Isdclypp mulls. 11, Borrower Not Released, Forbeatones By Leiijla9 NO elver, Extension of the time lot payment or modification of an led, zabon of lira sums secured by this Security Instrument granted�6�1! mul@i to any successor in interest of Borrower shall not operate to ,clause Ilia habililyol the original Borrower or Borrower's successbr$in)n is L Lender shaft not be required to commence proceedings against any successor to interest of refuse to extend time lot paymenopro(b iwrsg, modify amortization of the sums sacumd by this Security Instrument by reason of any demand made by the original Borrower or 8'If6w riKsuccemors In Interest. Any lorbearence by Lender in exelosIng any right or rot shall not boa waiver at of preclude the eKpr 'fib}}d�ayy right or remody. 12. Successors and Assigns Bound; Joint and SevmN Lkb tybQq?SI l2s. The covenants and agreements ofthis Secunty Iubumonl shall bind and benefit ilia successors and assigns of Londor antl llq'0 oi, bpsol to the Provlmons of paragraph 17. Borrower's covenants and agreements shall bejghF29d'" oral. Any Borrower who co-signs this Security Instrument but Boas not execute Ono Note: lal is co.argning (his Security InstrulnUU9""t poly o mongago, giant and convey that Borrowers mteresl al the Property mndur the (arms of this Security Instrument; de) Is not po,sdnalI Igaled to pay the sums secured by this Socunty Inalrumm�l; are tit) agrees real Lender and any other Borrower may agree to extend mogily,-forbear or make any accommodations with rugaid to the forms of this Security Instrument or ilia Note without that Borrower's consent,// , 11 M Loan Charges, It the loan secured by this Security lnsl,umenlis subject ldalovills ah sets maumum loan charges, and that law is finally lnlerpre led so that lit a Interest or otberban charges collected or to be collecledfd.�onneglfq will the ban exceed the permitted If, nits. Theo, (a) any such loan chat go shall be reduced by the amount necessary to reduce the giiarge tg t, a permilted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be Yellowed to Borrowou,l ceder, ychoose to make this refund by reducing file Principle owed under the Note or by making a direcl payment to Borrower. Ilerelgndi, desPrinciple. the reduClfonwili be tissue as a partial prepayment without any prepayment charge under the Note.t;,i 14. Notices, Any notice to Borrower provided for in this Security Instrument shall be gnvdaft n'hg it or by mailing it by lint class mad unless applicable law required use of another method, The notice shall be directed to the Property A. fop or any other address Burrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lendot wh a4vbn as provided in this paragraph. t' 15. Governing Law; Severablllty. Federal law and the law of the jurisdiction in which the Property Its located shall govern this Security Instrument In the event Thal any provision or clause of this Security Instrument or the Note conflicts with applicable law, such contact shall not allect outer provisions of this Security Instnenant or the Note which can be given offset without the eonllkang provision. To this slid Iha provisions of this Security Instrument and ilia Note are declared to be severable. 16. Borrower's Copy, Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Tranofor of the Property or a Beatific lot Interest In Borrower. 0 all or any pad of (he Propenyor anyineerest In it is sold or utins urred (or if a beneficial interest In Borrower is sold or transferred and Borrower Its not a natural person) without Lenders prior written consent, Lender may, at its option, require immedlalo payment In full 01 all sums secured by this Socunty tnstrament, However, Lender shall flat exercise Ilia option II federal law as of tire data of this Security Instrument prohibits exercise. It Lender exercised this option, Lender shall guru Borrowor notice of acceleration. The notice shall provide a period of not lass than 30 days from the date the nolke Is delivered or bladed within which Borrower must pay ail sums secured by this Security Instrument. II Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any tamedms permitted by this Sucurity lnsteumont without ludher notice or demand on BW rawer. 18. Borrower's Right to Reinstate, If Borrower meets certain conditions, Borrower shall have ilia right to have onlomement of Ohs Seemly Instrument dlsconbnued at any time prior to the earlier of : (a) 5 days (or such other period as applicable law may specify for munslate none More sale at me Property pursuant to any power of earn contained in this Security Instrument; or (o) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: to) pays Lender all sums which then would be due under this Securty, Instrument and Ilia Note as if rat accolerallon had occurred; (b) cures and default o1 any other covenants or agreements; (c) pays at] expenses incurred In enforcing (his Security Instrument, Including, but not limited to, reasonable attorneys loos; antl (d) lakessueh action as Lender may reasonably mgmro to assure that the lion at this Security Instrument, Lenders rights In the Property and Borrowers obligation to pay Ilia sums secured bylhis Security Instrument shall continue unchanged. Upon Ioinstalemane by Borrower, this SKulity lnstrumentand Ilia obligations secured horeby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply In ilia case of accolarabon under paragraph 17. . , -1. w;. root O *** OR: 2921 PG; 046E 19. Selo of Note; Change of Loan Servlcor, Thu Note or a pa dial interest In the Note (together with this Security Immanent) may be Svld tine or mole hums wNiout prior notice to Bunowen. A sale may result in a change In the entity (known as the'Loan SeNtca') that colluce monthly payments thin under the Note and this Secunly Instrument. There also maybe one or more changes of the Loan Sorvicet unmiulaU le a situ ul Iho Nulu. It Ihote is a ch2figo of the Loan Sorvicor, Borrower will be given milion notice of the change in accordance vital paragraph 14 and upptluablu law. The notice will stale the name and address of the new Loan Servicer and the address to which payments should be moue. The notice will also contain any other inlormation required by apphi abla law. 20, Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or rolease of any Hazardous Subslmlces oil or in the Property. Borrower shall not do, nor allow anyone else to do, anything alle ling the Property that is in viutalion of Envummawdul Law Thu preceding two sentences shelf mt apply to 1110 presence,use, or storage on the Property of small quaidi ills of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maudonanee of the Hmpmry. Burrower &bull promptly gave Lander written notice for any investigation, claim, demand. lawsuit or other action by any guvumttlw tal or regulatory aguncy or private party involving the Promady and any Hazardous Substance or Environmental law of which Bmwwor ties actual kuovledge. If Burrower teams. or is nolilied by any governmental or regulatory authority, that any romoval or other mmuW;dmn ul any Hxzarduur Substanco affecting the Propedy, is nocessary, Borrower shall promptly take all necossary remedial actions in accuWanco war 6rvuonmuntal law As used in this paragraph 20.'Hazardous Substances' are those substances defined as toxic or rvunluus subs'ences by Enwmnmen al Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, Iexte Pusliutdus and herbicides, volatile solvents, materials containing asbeslos or Io,maldehyde, and radioactive nationals. As u>eJ ni Ilns P;mrgrnph'l0. "Encnonmmrlul Law' means federal laws and laws of file jurisdiction whore the Peoporty Is located that relate le tivaati, safety or envouinlentid protection. 21. Acceleration; Fie madles, Lendm shall give notice to Borrower poor In acceleration tollowmg BorroweYs breach of any cuvubanl or ayreudenl tit tins Security Instrument turd not prior to acceleration under paragraph 17 unless applicable law provides udmm:uu). 1"hu nobcgS ll ' ecily: (at the delautl;(b) the action required to tutu lire default; (c)adate, not lass Nan 00 days from the date uw noticu is given to 691z1 ,,b which the dolaull must bocwotl; and (it) that failure to core the default Door before the data specified in am fiction may result I acC abe[I of the sums secured by this Security Instrument, Imectosure by judicial procoWing and sale of the vivimily. The notice sl}at Ir"rot, r orm Borrower of the right to reinstate after acceleration and the right to asset in the loreciosure proceding the non•oxistencb 11 I oiil or any odhur defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the dare specified ui'�w d�el�'or'4nder, at its option, may require Immediate payment in full of all sums sseurod by this Security Inseunienl without turlhur datiid'rrt ago, at. foreclose this Seemity, Instrument by judicial mrcooding. Londer shall be entitled to collect all uxpansos incurred inpursmng th0; /GfgZles`prondod in this paragraph 21, mefuding, but not limited to, reasonable attorneys loss and costs tit file Me amdunco. vF 22. Release. Upon pathnenl of,all sumts secured by this Security Instrument. Lander shall reeaso gas Security Iruwment. mthout diuryu, to Burruwm. Bihtewm shall pgy any,.: it dolion costs. 20. Attorneys' Fooa, As usu7iYi Ili SSecurity Inslmmont and line Note, 'ahomeys' feos'shall include any attorneys' lulls awarded by au appellae court 24. Rider, to this Security lnsli mvm.'Bg1) or mote riders are execued by Bovowerandrocorded together with this Soeunty Iuarruman6 Ilia covenants and agreamuntsol opal7{such der shall be incorporated into and shall amend and supplement the covenants and m^ewnmils of this Scourily nslrunenl os it Ill&fit s); erq a part of Ihis Sucunty Instmmom (Check Applicable Box) \'•' Lr Adfuslable Rnle Ritle, IJ q4O'ap(ovemanl Rider ❑ Condominium Rider J Oiaduaed Payment Rido, ❑ r—I ri L.J Balloon RMuf I I r-1 u Other($)(spocdy SIGNING BELOW, Burrowur accepts antl agrees to the executed by Burrower slid recorded with It. Siyned, sealed and dohvurud in the presence of: Wdnuss Slgnature'O,y:�.5. T VJilness Print Name VJdinrss Print Naue b.(i L_. �r 9 STATE OF Florida COUNTYOF .Cottle, ❑ Second Home Rider Hdo, ❑ Planned One Govoloprrom Rider contained in this Security Instrument and in any riders) __... Address' �'..L.F' �-_..... _ __ LOD�a I hereby cemfy that on this day, before tire, an officer duly authorized in the slate alor@sul ecxnuWlodgumone. Pmsonally appealed Juanita LoDr•a to tiro known to be the person(,') luruymng msoumont and acknowledged haters me that HE/ ¢H�J THEY executed the name for the WITNESS my head and official seal in the County and State aforesaid Ihis October 17,2001, My Commission Expires: C 0fary Pu c' s a r^ Notary's Paned lYrvila (BEAU Zl yollq 4r Cosin � rw WW�710 IIMwM M+.s IIawIJI county aforesaid to take i and who execued the expressed. tau: 1011110 1 011111 I111 tiff 951 1 MIUm111 1105 roan o III it 10110 2812654 OR; 2843 PG; 1731 11C01D10 11 th 0111CIAl 111G%101 of COL1111 CotliTf, 11 011512001 at 10:0041 01119? 1. 110t1, Cui1 au 01L1 Ile 111 DOC•.1s ►sm.0 BOOM 15,14 51,50 ATTN: WENDY KLOPF SECOND MORTC0110E THIS SECOND MORTGAGE 'Swudty lneltumenl') is given on June 7.2001. The Second Mortgagor IS bons ortia ('Borrower-). This Security Instrument is given to Collier County ('Lender'), which is organlzed and existing under Ina lace of the United Slates olAmerka. erM whose address ie 3050 North Horseshoe Drive a145, Naples, Florida 34104. e«rowerowue Lorldwthe sum of Witte" Thousand dollars (U.S.1 13,0 0.00).Thb,doblb evidenced by Borrowers Note dated the same dale as this Security Inel1mant ('Second Mortgage'), which provlUes lot monthrypayments, with to lull debt, Il not paid a Prior. due and Payable on sale of nron wty, refinance, or loom of horet"a eneoytieo. This Security Instrument secures, to Lender. (a) the repayment of the debt evidenced by the Note, with Interval, am all renewals, extensions and modifications; (b) the payment0f all olhwsunts, with Interest advanced undw paragraph 7 toproled the securilyol the Security Insimmenl;and (c)the ped«mence of Bonroww's covenants and agroements under this Security IneWmentend he Note For this purpose, Borrower does hereby second mortgage, grant and convoy to Lender the tollowug described properrytocatod In Co 11 i or County, Florida. ' ) NO. 3-THE WEST 04.00 FEET OF THE EAST 179.00 FEET OF THE NORTH % BLOCK 10, AT BOOK 3, PAGE a OF THE PUBLIC RECORDS OF COLLIER COUNTY, FLORIDA. ('Property Address'): TOGETHER WITH all the imprtivvv4o+��1)s now«hereaNw waded onaw property, and a0 easwnenls, rlghW appurtenances, rents, royalllea,""MI. all end pea dphb aw)Pt nl,9tvmler rights and stock and all lhaomq;now « hereafter a pan of the property. The Security Instrument shell aid coves ail replecemeoltSS .., addlUo ,. All of the foregoing is referred to In this Security lrebu"M as the'Properly. BORROWER COVENANTS that "its (awfully seized of the estate hereby conveyed and hu the right to "gage, grant and convoy the Property and that fie Pmperty)a, 4iio�(^b*red. except tot encumbrances of record. Borrower warrants and wilt defend generallythe title tome Property against all cldl�_e�ndPertlands, sub)eol to any emumb(arces of record. THIS SECURITY INSTRUMENT CoAAA4I Mlprmcovenanb I«netlond ues and mr�unform coverrmbwih UrriNd voriatbnby )uriWktbn to cobhule a unllorm security Ina W lfept, v ,real property. UNIFORM COVENANTS. D«rower erM LpiQez0.02ooYe ni and spree asldbwe: 1. Psynwlt of Pdmipol and lnlamt; ProAapnilrt Lots Charger. Borrower shall promptly pay when due Oe prindpal of and mle"t on the debt evalemod by the Note. 9.Tares. The Mongaq«wll pay All house. aasee0", ni ;6.d rrenla«welarreles gbrlo the axnul of anypanalUas «Inlerew thereon. 11,' The Morlpeq«enali peyo(Gute to be Paid. the ag; ;'ill c valy become due,(A)") all taxes and povamnentel cnargead any kind whatsoever which may at any time to bwiulty arse or 19 0(lainel «with reaped to the Properly, (2) all utility and other charges, includrp'servlce charges', incumad or Itrpoead I« the opgraiKKt<raglMenence, saes, uaWwky, upkeep and Improvemenid he Property, and (3) all easeesmenb «other govemmenlai charges illynpuyyJgwu Doped In Insl,llmenb own a Darted of yeore, the Malpagor shell be oblpetodu«erthe Mortgage to pay«ceuee to b,Tpeih6ny' hlnstekmanbas arenectu9edtobs gab Aakq he term of tithe Mortgage, and shall, promptly aNw the payment d any of the lorepol Ord to Llonppae evldenc�e of such payment. �, Application at Pa after Unbas applbebb law provkfes ell, ryMS: pOOeynenb recaNed by Lander be applied; Nra410 Internet due; end, to prindpel due; end "It to any late charges due under h4�Nolyi1\ 1. Cftrpss; LIMB, Barovrer shalt pay at bxas, easeumenb, chetgperl 8 Inpoellbna etUbuteble to the Property, winch mayenain prbrNyowrhls Security lnsWmenl, and basNald Paynenis 7 n. rite, any. BorroxarsMlf promptly lumleh to lender all notices d amounts to os geld under rule nt aprapn, and all recelple evbMclnp gM gi rib. Borrower shall pm(npgydlec r I. anyllan whkhhu priMNovertnls See lnsjnrrI unlAea Somowen(s)agreealnvotUngto the peyrw1 of lM obligation secured byhe Ilan In s menneraaepbbb to Lender, (b) conte0q In,,O00000dtl leith the lion by. «defends Against enloresmMl of he Iron In, lapel proceedings which In the LendeYa opinion operate to prslrefdhtie0tsrsenenl d the Men; «(c) seebree from he holder of the lion an agresmenl "Uslactory to Lender subonpnatinq the lien to his SggcCyLndb' rnhSSDumont. N LanderdelomVrea that any pen of the Property Is sub)w,i to a lien, which may ahem priority over he Security inelnxrein; k jridAri*y give Borrower a notice Identifying he lion. Sanwa., shall satisfy the Ilan of take one of more of he ad Ions set ford above withq 10 de)§ of 9e giving of notice. 6. Huard or Pre petty Insur . Sofrower shall keep the Improvements now 60"Np hitMaher eroded on the Property Insured against loss by lire, hazards Included within the torm'extendod coverage' and sayotheir- ' I rg IbaM or flooding, for welch Lander requires Insurance. This Insurance shall be mainlelned In the amounts and I« t Lender regWres. The Insurer" carrIer providing the Insurance shall be chosen by Borrower subled to Londer'e,apprbvA.J"wr,_ vall riot be unreasonably to he premises agalnsl such risks and I« such amounts ore are cuslomenly Insured apana and PAY, as aw asne oecanhe vase um Per. - all prembma In respect thereto, Including, but not limited to, all-risk Insurance protecting the Inbrests of fhe Mortgagor and Mortgagee against bee or damage to the Premises by Ore, Ilghming, and oe w cuualUes euelomatily insured against (including ballet explosion, it appropriate), with a uniform alenderd extended coma pe endamemeni Inhchldlrgdebb removai txnwape. Such Neuranceal ail tlrnea robe In an amount not boa than the full replacemMII coal 01 nine Premises, exclusive of IooUtge all (ou«ktbM. All Insurance policies and renewals shall be ecceplableto L«bet and shelf Irckxb a standard marl" dauee. Lender hat have the right to hold the policies and renewals. 11 Lender requlres, Borrower shall pronptry 9W to lender all tote" of pats premiums and moavvelnoUoes. In the event of lose, Borrower Shall qbe prompt notice to the lnsurerce center and Lendor. Lendot"ymakeproololkxm S not made pronhpMy by Borrower. Unless Lender and Borrower otherwise agreeinwriting, insurance p(cfewte shell be applied to r Wation ormpek at the Property, damaged, II Ill restoration or repair Is econorNeally feasible and Lender's security Is not lessened. It Se restoration or repair is not ecMongcdty IeaeWle or Lenders security would be lessened, the hsumme proceeds Mail be applied to the sum, eaCured byhe Seauky, Instrument. whether or not then due, with any excess PAM to Sorroww, II Borrower abandon he Prop". «does not answer within 30 days a notice from lender hat the Insurance gamer has offered to settle a cblm, than Lender may collect the Insurance proceeds. Lender may Ue9 tl10 proceeds to" o repair or restore the Properiy«l0 payaume secured by Uls 9ecuriry InehumML wMMr«nol hM due. TM 3P day period will begin when he nuke ls malbd. Unbar Lender and Bortower alherwtee aides In ng, My epplkeUon of proCeeUe to Darn pnrhdpai Mall not e4 «pspinostpone the due dab of Son the monlhry peymMb relMed to In pIneu,aropreph 1 «change Ina amount of the d�exmegs ulhe Prop rylo2Uw acqulHo eMli pass lo lle«krlolna exlenldtlel eurne policies klnspr Wm�enkm datey pri« to the aoqubitlM. b Goo uprey, Pnoarvatbn, elaklisrtathos and Protsotbn of Ill Prgeny; Borrower's LOM Appaulbn, Lsaosholds. BMower shall oaupy,"IaWIM, end use Ill Property as Bonowvle principal resbence wihln,ixtydeya eNertle executlorl d tlusSedrly InsW mint and shell continue to occupy Ill Property ea B«rowefs principal resldenc�e f« el bast we yard sitar tie dale of occupancy, Ithad" hagees Lender dhenwa agrees in wefunp, which ceneanI shell not be unreasonably withMb, «ude he idextus g gkcurtebncee exist which ore beyorW Bomowere control. eonower mall not destroy, demegaorimpelMhe Properly, aecutle Propxlybdebrlaae,«comNt 1 ,sell . w OR; 2843 PG; 1732 VORM 0 waste on the Properly. Borrower shall be In default if anylodellure action or 0rocoadinq, whether civil or criminal. Is begun Ural In Lender's good faith Judgment could result In lodelture of the Property or otherwise materially impair the lion created by this Security Instrument or Londefssecudtylntoresl. Borrower may cure such a default and reinstate, as provided In paragraph ta, bycausing the ectiono proceeding lobe dismissed with a mling that, In Londoes good faith determination, precludes lodellum of the Bomower's Interest In the ProPeriym other maledalimpelrmenl of the Ilan Creatodby this Security Instrument or Londe7s securilyinlerest, Borrower shall alsobo In delaull It Borrower. during the loan application process, gave materially false or Inamorata Information or statements to Lender (or failed to provide Lander Win any material Information) in connection with the loan avldonced by the Note. Including, but not limited to, representations concerning Borrowersomupencyolthe P(opertyssa PdndPelresideioe. if this Security Instrument ison aleasehold, Borrower shall complywxlh all the provisional the lease. 11 Borrower acquires to title to the Properly, the leasehold and the lee UUe shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights In the Property, If Borrower fails to perform the covenants and agreements contained in this Security Instrument. or there Is a legal procoding that may significantly allot Londoes rights In the Properly (such as a proceeding In bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), than Lender maydo and payforwhatovef U necessary to protect the value of the Property and loner's rights In the Property. Lender's actions may Include paying any sums secured byalien, which has priority over this $"only Instrument, opposing In court, paying reasonable attorneys' fees and entering on the Properly to make repairs. Although Lender may take action under this paragraph 7. Lander does not he" to do so. Any amounts disbuteed by Leader under this paragraph 7 shell become additional debt of Dormers, secured by this Security Instrument, Unless Borrower an Lender agree to other terms of payment, these amounts shall boar interest from the date of disbursement at the Note rate and shall be payable, with interest, upon nonce from Lender to Borrower requesting payment. S. Mortgage IpsUt}flee. It Lender required mortgage Insurance as a condition of making the loan secured by this Security Instrument, eonower shaft ppy, he premiums required to maintain the mortgage Insurance in effect If, to( any reason, the mortgage Insurance coverage i@pd(iod b ender lapses or ceases to be In effect, Borrower shall pay the premiums required to obtain coverage substantally aqulvalent to 11 it go insurance previously in effect, at a cost substantially equivalent to Me coal to Bottom, of Me mortgage insurance pre) iitydn=e pcL Irom an alternate mortgage Insurer approved by Lender. if aubstanliatfy equivalent mortgage Insurance coverage is not avaii((ablp; Borrower shell paylo fonder each month a sum equal to ore•twellM of the yearly mortgage Insurance pto lumbelf, all by Borrower, 4bglll`e insuance covoape lapsed arceased to be In ehecl. lender will accept, use and retain these payrnonU as a less reserve in11B1lmoAgage insurance. Loss reserve payments may rro longer bo requlfed, at the option of Lender, It it Insurance cove a {In It. a'mouht end for the period Mal Lender requires) provldn by en insuror approved by Lender again becomes available and is obtained/Borrower shell pay the premiums required to malmaln mortgage Insmor ce, In eUed, or to provide a loss reserve, until the requirement for mongapo.insu area ends In accartlaree with any written epreemenl between Borrower and Lender or applicable law. x. g, Inspection, Lender or Ile dgon may make reesonabto entries upon an Inapeclbns of the Property. Leader shag give Borrower notice at the Time of of prior fo ar, I' peclipn s)oCilyinp reasonable cause for the Inspection. 10. Condemnation, Tho prod df,�'Bany�°ward or claim for demegon, tlirecl or conxequenlial, In connection with any conemnallon or other taking or any Den of the Property, Qr for convoyence In Ileu of caMemnalbn, era hereby assigned and shag be paid to Lender, InthooVenlofalotallakinq of the Propb y, dHJoyeods shall be applied to lire sums secured Dy this Secuiitylrelnanenl,whether or not In" due, with any excess paid to Borrower n lh.6 onl of a padlal taking of the Property. In which the lair market value of the Property immediately before the taking is equal to oy0iiomieClbbn the amount of the sums secured by this Security Instrument Immediately before the taking, unless Borrower and Lender oftni )ee nso fit writing, the sums secured by this Securitylastrumentshall no reduced by the amount of the proceeds multiplied by the following liadlo(�ia) the total amount of the sums secured Immediately before the taking, divided by (b) the lair market value of the Property lmmed)eigly l�p�q the taking. Any balance shall be paid to Borrower. In the event at partial taking of the Property In which the lair market value ci,Md PlepdI Immediately befoe the taking Is less than the amount of the sums secured immediately for the taking. unless Borrower and Leddd44rptherwl, @ agree In writing or unless applicable law otherwise provides. the procoede shall be applied to the sums secured by this Secur y s m nl whether or not the sums are then do. Unless Lender an Borrower otherwise agree In writing, any applkallon of prmaWe pr�,. 1plil shall not extend or postpone the due dale of the monthly payments retained to In paragraphs I or change the amount of aU 1 51 Jim t . 11, Borrower Not Rolessad, orbesrsnce ll LeruNr a�V,ef, Extension of the time for payment or modification of amortization of the sums secured by this SecudtylnalmmenI rantedgy ldn; 0¢any successor in interest of Burrower shag hot corals to release the liability of the original Borrower or Borrowots successors In (nt9A IJedor shall not be required locommame proceedings against any auccesso(m Interest of refuse to extentime IOr payment or ollhfs4rw/1�6d77. try amonizallon of the sums secured bythis Security Instrument by reason of any or an mado by the odglnal Bono or Bofr, Is asaom In Interest. Any forbearance by Lender In exercising any right or remedy shall not be a waiver of o preclude the exarcleq•. 4any t or remedy. 12. Successors and Assigns Bound Joint dud Sever all L{W11lly1 Thee "mntsandagreamentsolthUSecudly Instrument shall bind and behalf the successors and m 1pna of Lender and Bolydwvr, a Joel to the Provisions of paragraph 17. Borrowers covenants and agreements shall be pint en veral. Any Borrower who co-sgna this Security Instrument but does not execute the Note; (a) is co•slgning this Security Instfurnenl only to go, pranl and convey that Borrowers Interest In the Property under the terms of this Security, lnstrumfit:(b) Is not personalty rybl• lo(I pay Ihesumsaecuredby Ud$Secudty Ins Wmam; and (c) agrees that Lender an any other Borrower may agree to extend, n tyd1 of or make any etwmmodattons with regard to the forms of fill$ Security Instrument or iris Note without that Borrowers consent.--,,'��.+ \\ w iw.wne..eu.. li the mansaeurM by this Swings Instrument is sublect to a law which 6eU maximum ban charges, an that law U flnelWirtorpretea so met ire interest orouror roan ennrgns emaeaw v,ww.nn,w.w,,,....••.w limits. them (a) any such loan charge shall be reduced bythe amount necessary to reduce Ore eliarga � thg ad limp; and IN July sums alroedycdlecledlrom Borrower which exceeded permittedlimlW will be refunded to Borrower. Lehd9f(iieq to make this refund by reducing the prolpal owed under the Note or by making a direct payment to Borrower. It a alun for ubee, il. Oat, Me reduction will be trusted as a partial prepayment without any prepaymenl Charge under Iho Note. 14. Notices. Anynolke to Borrower provided for In this Security lnstrumonl a hall be given by(liii1iyering'or by mailing It by first class mall unless applicable law required use of another method. The notice shall be directed to Me Propa' address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lenet when given as provided In this paragraph. 1st Booming Lew; event that b y pr Federal Jew and the Jew of Ma y Inalkgon It which Me Property is bated shell a law, Mts Security InaWmaffe In the event toes any is sec on or clause of this Note w ichcanbe or Ina Noce conflict with applicable law, such conflict shell not affect other provlelone of Mle Security Instrument w to Nola which can be given effect without UnaconllicUrq provision. To this en the provisions of this Security Instrument an the Note are declared to be severable. IS. Borrower's Copy, Romosver shell be given ors conformed copy of the Note an of this Secudly Instrument. 17. Transfw of the Properly u s B"Ilolal lntwool in Bono"r, If all or any pan of the Propertyor anyinterest In It is sold or translemsd (or it a benelklel interest In Borrower Is soli Or transferred and Borrower Is not a natural person) without Lender's prior written cal 1, Lender may, at its option, require Immediate payment in lull of all sums secured by this Seoutlryfnstrum int. Howe"(, Lender stall not exercise Mis option it ledoel law as of the dale of [his Security Instrument prohibits exerelso. It lender exercised this option, Lender shall give Borrower notice of acceleration, The notice shall provide a period of not less than 30days from the data the notice is delivered or matted within which Ronowar must pay all sums secured by this Secudylmtnxrent It Bomowat lDlU to pay these some prior to the expiration of this period, Lender may Invoke any remedies pemtitiedby this Secumylmbument without further notice or demand on Borrower. IS, 8onower's Rlghtto Reinstate. It eorrowermaetscertetn condllbna,Borrower$hall have the rightto have enlocementol this Secularly Instrument discontinued at any time prior to the earlier of : (a) 6 days (or such other period as applicable law may specify for reinstatement) bolero sale of the Propertyptins"m to any power of sale contained In this Security InsMlrrenl; or (b) entry of a ludgmenf enforcing this Securityinalmment. Those conditions are that Borrower: (a) pays Leader W sums which menwculd be due under this Securiy, Instrument and rho Note as II no acceleration had occurred: (b) cures and default of any other covenants or agreemnts; (c) pays all expenses Incurred in enforcing this Security Instrument, Inctudlnp, but not limited to, reasonable saomeys lees; and (d) takes such action as Lender may reasonably require to assure that the Ilan of this Security Instrument, Lender's rights In the Properly an Borrowers obligation toPay the sums secured by this Security Instrument shall continue Unchanged, Upon slmseternenl by Borrower, this Security Inami"Id an the .,..,ed.w *** OR; 2843 PG; 1733 "** obligations secured hereby shall remain fully effective as ll no acceleration had occurred. However, this tight to reinstate shailnot apply in the case of accelerallon under paragraph 17. 10. Seth of Nofal Change of Loan Servker. The Note or a partial Interest In are Note (together with this Security Instrument) may be sold one or more limes without prior notice to Borrower. A sale may result In a change in the entity (known as the 'Loan Servker') that collects monthly payments due under the Note and this Secmityrnstrument. There also may be one or more changes of the Loan Servkor unrelated to a sale of the Note. If there Is a change of the Loan Servker, Borrower will be given Milan notice of the change In accordance with paragraph 14 and applicable law. The notice will slate the name and address of the new Loan Servker and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause of permit the presence, use, disposal, storage, or release of any Hazardous Substances on or In the Property. B000wer shall not do, not allow anyone else to do, anything effecting the Property mat is in violation of any Environmental law. The preceding two senlances shalt 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 Properly, Borrower shall promptly give Lender written notice for any Investigation, clalm, demand, lawsult or other action by any governmental or regulatory agency or private party Involving the Property and any Hazardous Substance or Environmental Law of which Bormwerhim actual knowledge. If Borrower learns, or Is notified by any governmental or regulatory authority, that any removal or other remedlatgn of any Hazardous Substance effecting the Property Is necessary, Bomo"r shall promptly take all necessary remarks) actions In accordance with 20,'Hazardous Substances' are those substances defined as toxic or hazardous substances by Environmental dances: gasoline, kerosene, other flammable or toxic petmleumproducls, loxkpestklles and herdcdes,volatile solvents, materials contaihln asbestos or formaldehyde, and radioactive malednls;' i In this paragraph 20,'Environrientel Law' means federal laws and lam of the jurisdictionwhem the Propany Is located that relate t6hee l�fety or environmental protection. 21. AeaeWstlyrt A kut. Lender shall give notice to B mower prior to acceleration totlowirg Borromes breach of any covenant or egreemeni In',fn( S ty Instrument (but not prior to acceleration under paragraph 17 untou applicable law provides otherwise). The notice shell@ Ify: o?dhe default; lid the action required to cure the default(c)adate. not less than 30 days from the date .the notice Is given to BomowdT, by IRh( a default must be cured; and (d) that failure to cum the default on or before the sate specified In the notice may result In acceleratlod p1lpisums secured by this Security Instrument, lordctoeure by judicial proceeding and sale of the Property. The notice shell luRhbr idfarm Borrower of the right to reinstate alter acceleration and the right to assert In the foreclosure proceeding the non-existence of a default or anylother delonso of Borrower to acceleration and foreclosure. It the default is not cured on or before the data specified In the notla9,•Lenphp, t Its opllon, may require immediate payment in full of all sumo secured by this So tuity Instrument without further domandandmaViet lose this Security Instrument by judicial proceeding , Lender shall be entitled to collect all oxpensoslmunedlnpursuingthoremedies evicted In this paragraph 21.Including, but not limited to. reasonable attorneys face and coats of the fills evidence. 11 , - 22. Relassa. Upon payment of all sgllto charge,to Bomowef. Borrower shell pay any r$c rus 23. AtiMmys' Falls, As used In this S cu by an appellate court. 24. Rides to this BacurHy inslrumerl InsWment, the covenants and agreements of each si agreomente of this Socudty Instrument as it the rider 11 Adjustable Rats Rider ❑ Graduated Payment Rider El I.4 Farml Balloon Rider 0 Biweekly Security Instrument. Lender shall release eras Security Initnume 1, without d and the Note, 'adorneys' leos'shaa include any ahoewys'lees awarded Adore are executed by Bomower and recorded together with this Security I be Incorporated Into and shall amend and supplement the covenants and r] of this Security Instrument. (Check Applicable Box) Rider SIGNING BELOW, Borcovrer accepts and agrees to the terms and coYeplfiie R executed by Borrower and recorded with it. Signed, treated and doliverptil In the presence oA; Wllneatr Signature ._=L� .— Signature: Wlinaaa Pdnt Name: L(\ • Sorrow Signature:_ Witness Signature: _ Borrovref Waness Print Nairl eM�.. ._ Address: STATE OF FLORIDA COUNTY OF COLLIE6 ❑ CondomiMum Rider ❑ Second Home Rider ❑ Planned Unit Development Rider In Oils Security Instrument and In any riders) I hereby codify that on this day, before me, an officer duly authorized in the state aforesaid l) to take acknowfodpmenw,pemonellyappeered Irene Ort i■ to me known to be the pefson(s) described in and who executed the foregoing Instrument and acknowledged before me that HEr SHE/ THEY executed the same for the purpose therein expressed. WITNESS my hand and oflUal soul In the County and Slate aforesaid this June 7,2001. My CommlsslM Empires:—.— Nol�ryPublk'e3 Notary's Printed Name (SEAL) K:ajUEARDa(�p tnnii.owlaa C„ .�,ed.w GILD SS000.00 lower 11ta; 2811176 OR: 2841 PG: 3300 RIC 111 15.00 a0D3IKG A UR/AN I11101111117 RICORDID in the 0111CIA4 RICCkDR of COL1,111 COUNTY, It DOC•.35 52.10 3050 1 10A111101 DR 0145 S06/13/2001 ECOND at 11 27YAM DWIGHT 1. 110CI, CL1RA NAltll It 31101 THIS SECOND MORTGAGE ('Secudty Inelmmenl') Is given on April 20. 2001. The Second Mortgagor Is: Ratty T11Gnaa ('Somower). This Security Instrument 16 given to Collier County ('Lender), which is organized and existing under the laws of the United Slates of Amerlce, andwhose address is 3050 North Horseshoe Dr. A145, Naples, Florida 34104 . Rorrowerowee LealertheeumW liftaeR Thousand dollar# (U.&t 15,000.00 GTNs,de1N leevidenced Dy BorroweBorrowe's Note dated the Same date set this Security nsWrnent('secant moraine' I. whin provides fvn 1hypayrrlenb, with the lull debt, it not paid Sadler, due and payable on sale of property, refitatooe or Iota of hoerstsad ez[enptlon This Security Instrument secures to Lender (a) the repayment of mOdebt evidenced bythe Note, wit interest, and all renewals, extenelons and mOdifcalione;(b)the payment of all othersume, with inlaesl advanced under paragraph 7 to protect the seer ityd the Sedudty Instrument; and (c) the t adornance of Borrowers covenants and agreements under this Security Instrument and the Note. For ,his purpose, Borrower dome hereby accord mortgage, grant and convey to Lenderthe followingdourlbed proporly locetod in Collier _County, Fbdda More Particularly daxnb'fmdo q%�ol Se, Unit g, Palm Ridge Folio5461706pOWp and which has the addrese�o�'"'"� ja ('Property Addreba'): `�- i(ill,Breezewood Dr, RM else, Florida 34142 TOGETHER WITH all the Improyemeft a raworights a stock on Improperly and ode hetnenb, nights, appurtenances, rent, royalties, minaret, oil and gas tlphle��nd Prof ester rghte and Block and all IWures raw or hereafter a pen of the property. All replacements and addilloneahalleleo lea dpV§ byiha Sacudtylnelrumal. All of Me foregoing is reierredtoln this Security lnshumentan the 'Property. ,'.- BORROWERCOVENANTSIhef rreYisile wluliy seized of the aerate hereby conveyed and has the fight to mortgage, grant and convoy the Property and that the Property iericllred, except lot encumbrances of record. Borrower warrants and will defend generally the ode to the Property againll all claims soil nde, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combine. udll, i ovenanis for, national use and nwn•undOrmcovenants with knledvariation by judsd cam to constitute a uniform secu f�y lnelomchl Fay (!1nd mat properly. UNIFORM COVENANTS. Borrower and le cGoveil tit and agree as follows: 1. Payment of Prdwlpal era lntarest; Prape tn►n5, Lab CharpN. Bonowerahell promptlypeywhendua the pdnclpel of and Interest on the debt evidenced by the Note. '✓°r 2. Taxes. The Mortgagor will PAY all taxes, ob/be0iljDh e tww� I rents or water recce prior to the eccruai of my penalties or Interest thereon. .. .. ! •.... ... .. .....................em,.,enml any WM whateoevsr rhkh mar el arty Ume De IevdullY easoeead or logo Spatnet or wen respect to ore Property.me • (2) .ace W.AY no Or charges, includirg'aervloe charges', Incunedar Inpoaedfor tht opyrbf��t(PPaa(nanance,use,Occupancy, upkeep and dnp(ovementof de Property, ant (0) all aeseeemenb or char yovernmentel cherpee ( YEn$j.'a oily Da pail In installments over a parted of year. the Aodpapor shell be oblipeledunderde Morgage lopaYor cause lobepatd 1 „ Inetallnenb as are regared to be paid during the tam d the Ma 3s{te, and she 1, pro ryuy Sher he payment of any of a o for �I99 to to mortgagee evidence of such payment. �. Applbalbn WPaylnalb. Unlebe applloabo taw proVMS 01Ke gat peyrrmts received byLendet Shall be appaed; real, to Intareet duo; and, fo pdnclpel due; gird last, to any 1a19 charges due under th Nol�.l e.Chariaa;Llens.Borowershallpeyaitaxes,easeeamenis,chacd�e,llnmh y.Horbnershallpro bthe rnishtrywhkh may eosin pdodryoverlhle Security lnsWmenh and leanenold pay el is rgroSiYMidn(e, any. Bortower shall promptly furnish to Lender ell noeces o1 amounts to be pant under this paregreph, and all necelple ver l isofna'tha nib. Borrower ehallpronlpdytltscharpe anyllen whoh has pdoIs O101hts Secun Instal innt unless Borrower.by. of arjglo ate peyn»nt of tlw 1Iwo nllI becuretl by Uo which Lomas oph to lender, (b)conle in faith the liens: or defends OWNS, I(O l flan hoement tithe Ilan In, lapelont str dace ry 10 In the Lender# Onbnoperate top e0lruf nt, donthe ken;a(c)Mtram the twirler d dte Ilan an a0reelnenl eedtleclory to Lander bubardlredtg he Ilan to Ihts d Iq nt. H LaMa ra notate ld that any p rfolthe Propatybsub)acltoalknIMIchmayatlaln pdodty over the Secudtybeoument. plus Baroxera notice ldanlllyinp the lien. Borrower Shell eallely the Ilan of take one or more of the actions eel IanA above withl • 10 of the giving of mace. a. Hazard or Property insurance. Borrower shall keep the Imp(ovemente now evl91-no hare### erected on the Property Insured again lose by lire, hazards Included within the ton 'extended coverage' and my oaeTa .� , riplloodaordaodnp, for which Larder requlreb Insurance. This Insurance shell be maintained In the arrcunts and Ice tho'pa 1 Lender regdree. The Insurance canbrProviding he insurance shall be chosen by Borrower subject to Ladder&Approvd which -. .n, S¢DO lmremawbtywW t ld 11 Borrower fell$ to maintain coverage deacrbed above, Lander they, at Lendefo aptlon, Obtain coverage, to pfolact LaMWs rights In the Propertyln aocordanOa wtth parepaph 7. Al ellamae that lha Nole le outstanding, ale Mctpsporehall mail, Sawoi"wia reaped to the PrerdseS egakast ouch rlSke and lor each artcunle orb era cuelomadlylnsured against aha pay, ss the stibetorte due and payade, all premiums In respect thereto, Including, W I not Ilmlletl to, all•rlek Insurerwe proreclifp the Inlereets d the Mortgagor and Mortpegee apalNet sea s damage to the Premlaee by lire, Ilphlninp, antl Darer ceauaklea cuetomadlyauuradagalrot(kclllyrq bdbrexplaelon, If eppoprieto). with a Undam etamlard extended coverage erntOre6menl, Includfg debdS ramovel Wverege• Stich Insurance a al tlmee to bein an amount not lee# hen the lull replacement coal of the Premleae, exduelve of lo0tinpa and loundalbna. All bburerlCe pdloleb and reneWale shell be acceptade b Lendarentl shall Inclutle a elendbfd mortgage clause. Lentler6hail have the rlphi to hob Ire pdkbe sal renewab. II Lender ra0ulres, Borrower shell pornpfty gnus to Lerida all (ecoipta of pant Premiums and renewalndloe/. Inthe event of bee, Borrower bhellpWe prompt nolloe to the lnbumncacarder end Lender. LeMa may make geoid loss 1t rat made promptly by Borrower. Unlace lender and Borrower otherwise agree in wrong, Jimurence proceeds shag be applied to restoreBon or repair of the Property damaged, If the restoration or repair Is economically feasible and Lenders aocunry IS rat lessened. 11 the restaatlon or repar is not economically feasible Or Lenewes beoudty would be lessened, the insurance Proceeds shell be applied to the surre Soured by the Security Instrument, whether or nol then due, with any excess paid to Borrower. If Borrower abandons he Property, or does not answer within 30 days a notice from Lender that he Insurance caroler has offered to sedle a claim, than lender may collect he Insurance p(ooeede• Lender may oaf, that proceeds to repairs meta# do Property of10 pay Bums Secured by this Secudry Instrument, whether orndtrain due, The30• day perlotl will begin when the notice Is mailed. Unlace Lender and Borrower otherwise agree in wrianp, any application of proceeds to pdnolpal shell not extend or postpone the duo dale of the monthly Payments referred to In paragraph 1 or change the amount 01 the i, i., (erne#!. dot to env insurance nolkles and proceeds eeufane form pllmlrotaro. Cfmmume a. 000uParlori PreurvWon. Maktlorunce and Rotoctbn of the Pzops(tYl Barowars Loan Application, LeasNelM. Borrower Shall occupy, sStabilsh, and use the propary, as Borrowers pflnclpal residence within bbdydays Steer the swatch of dap Security Mftt ment and Shea continue to occupy the Property as Somowees relm1pal raeklo" Ice at least one year offer the dale of Occupancy. dreumstances exist whist aleasse re beyond O«O�wares cahoot.ees Bormwercehallll snot destroy,N Shall lbe �ge oeeeabbty'wi � r unwast ��aa Prop" to deled"al, WCOmma 1 «,s,od,wp OR; 2841 PG; 3301 waste on the Property. Borrower shall bo In default ll any todellure action or proceeding, whether civil or orlminal. Is begun that In Lenders good faith Judgment could result In fodeiture of the Property or otherwise materially Impair the lien created by this Security Instrument or Landers security intereal. Borrower may cure ouch a default and reinstate, As provided in paragraph l 6. by causing the action or proceeding to be dismissed with n ruling the(, In Lenders good faith date narration, precludes forfeiture of the Sonowers clorest In the Property or other material Impairment of the Ilan created by this Security Instrument or Lenders security interest. Borrowershalf also be in default if Borrower, dull the loan application process, gave materially false or Inaccurale Information or statements to Lender (or failed to provide fonder with any malarial Information) In connection with Ne Wan evidenced by the Nola, Including, but not limited to, reprosenlalions concerning Borrowers occupancy of the Property as a Principal reeldeme. It his Security Instrument Is on a leasehold, Borrower shall complywith all the provisional the lease. If Borrower acquires In title to the Properly, the leasehold and the lee title shall not merge unless Lender agrees to the merger In wwllung. T. Proleullon of I~* Rights In the Properly. If Borrower fails to perform the coverh ms and agreements comened In this Security Instrument, or there Is a legal proceeding that may algnlficandly affect Lenders rights in the Property (such As a proceeding In he nkmpicy, probate, for condemnallon or lodelture or to enforce lam «regulations), Own Lerdler may do And Pay l«whatever Is necessary, to protect the value of the Property and Lenders rights In the Property. Lenders actions may Include paying any sum secured by alien which has priority over this Security Instrument, appearing in noun, paying reasonable imorneys' logs and entering on the Property to make repairs. Although Lender may lake"Ilon under this paragraph 7, Lender does not have to do". Anymraumadlabursedby Lendmundar this paragraph 7 shell become addillonal debt of Borrower secured by this Security Instrument. Unitas Borro tarand lender agree to other terms of payment, these amount, shall bear Interest from the date of disbursement at the Note rate and shell be payable, with Interest, upon notice prom Lander to Borrower requesllno payment. e, Morlgaga ine arrow. If Lender required mortgage Insurance as a condition of making the loan secured by this Security Instrument, Borrower ,hall p the premium, required to maintain the mortgage insurance In effect. It, 1« any reason, the mortgage Insurance coverage iageU , y ender lepsee or ceases to be In eHoc6 Borrower shell pay the Dremlums required to obleln coverepa eubelenllelly aquwalen p 1 e dpape Inaurenco pevbudy In eHocl, el a cwl,ubebneally equlvabnl to Ire coat to Borrower of Na rrwrtgepa Insurance pret�lo 0 In a ec6 prom en ettemalo mortgage Insurer approved by lender. II subslanllelly equivelenl modgage Iheurertce coverage le nol>i allAlRa, owerehellpey to lemfereech monln,sum equal toone•Nremn of lne yeady monpegelmurenca prerMum bNsq paid by Sortb r wfle the Insurance coverega lapsed or ceaeetl to be In etlacl. Lander will aaepl, use tiro retain mate peymente M a ices reserve in L �ege Insurance. Los6 reserve peymente they he longer ba required et the option of Lender, II morlpape Insurande Covarepe Qn the e �1 and for theperlotl Ihal Lender requlrse) pbvlded by an insurer approved by Lender again bacomn avalWMe ended obtained ro rehellley the prerMurns raqulred to melnWln rtxsrtpapo insurance ineHed,«ta proNdee Wes rsaarva, untll Ne requlremenl for riwrlpege Imurence soda In a000rdance with any written epraemanl batw9en Borrower end Lorlder or applbeble law. .-< 0. inepecticn. Lander or IIkAg6n' Borrower notice at Ire gnus of or prior to flat 10. CondaRxtatWm The far condentnsllon or other taking of any pad of the Lander. In Bloc event of a total taking of the Prot « rot Nan due, with any excess paid to tom Pfecortvlmmediately before the taking Is aqua an, amount of dlytded by tic) make reasonable entries upon and Inspections of the Property. Lander shall give R spectlyng reasonable cause for the Inspection, sny,award of claim for damages, direct or consequential. In connection with any partial taking of the Property In which the fair market value of the secured Immediately for the taking, unless Borrower and Lenodee proceeds shall be applied to the sums secured by this SKI Borrower otherwise agree In writing, any application of prat[ payments referred to in paragraphs t or change the amount of 11. Borrower Not RANasad, Porboaranc r By Ler amomzation of the sums secured by thle Security Instrument are, release the liability of the original Borrower or Borrowers succei against any successor In Interest or refuse to extend Hate for Pays Instmmenl by reason of Any demand made by the original Born exercising any front or remedy $hall not be a waiver of or precll$ 12. Successors and Assigns Bound; Joint and Bev Instrument $hall bind and bonellf the successors and assigns of Provisions of paragraph 17. Borrowers covenants and agreem Instrument but does not execute the Note; (a) IS co•elglling this Interest In the Property under the to Ina of this Security Inshumei all be applied to the sums secured by his Security Inshlmenl, whether a partial taking of the Property. In which the fair market value of the amount of the sums Secured by this Security Instrument Immediately ling, the sUma Secured! by thb Security Imlmmenl shall be r«klced by the total amount of the sums Secured Immediately before the taking, �,the taking. Any balance shall be paid to Borrower. In the event of laity Immediately before the taking Is less than the amount of the sums rwlehatiree in writing or unless applicable law Otherwise provides, he Hftlty whether or not the sums are then due. Unless Lender and iPnr'�l A�shail not extend «postpone the due date of the monthly p))yr me\ N6 l4lfylr Extension of the time for payment or mod ication of C anddaat((o youccmaor In Interest of BonowereAaa noroporaleb s In inters 1.. ender shell not be required to commence proceedings lorolhe se mole arrodlzaHonofthesumsaecurad Wthe Security or 8orfowre. L pore In interest. Any forbearance by Lender in teaxerclae�odl,,enyt�h``0 remedy. Liability; CG9Ip1(arr.'tre covenants and agreements of this Security Nr who co-signs this Security it and convey that Borrowers sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may nor" to extend, modify, l malar,or mako any Accommodations with regard to the terms of this Security Instrument« the Note without that borrowers consent.` ­ \\ 1a. Loon Chorges.11rho loan secured by this Security Instrument is subject to a law 4 hcgte'Snaxlmum ban charges, and that law is finally Interpreted so that the Interest orother loan charges collected or to be consoled In l' ththe ban exceed the permitted limits, then; (a) any such roan charge shaft be reduced by the amount necessary to reduce Ow o�pe�risasedYmh AN flat my stars already collected from Borrower which exceeded Pei filled limits will be refunded to Sort Inver. Lend4;;q tOLIfethisrefundby reducing the principal owed under the Note orbymeWng a dbectpaymanl to eonower. Itarotundroduces rxi 1, the reduction will be Uented at a partial prepayment twlhoul any prapay"Ill Charge under the Note. � 1e. Nation. Any ratke to Borrower provided for In Into Security Instrument shall be given by dolt, msitoy by mating It by first cleat mall union applicable law required use of another method. The notice shall be directed to the Property Gkem or any other address Borrower designates by notice to Lender, Any notice to Lender shall be given to Bottom? or Lender when given as provided In this paragraph. 16. Bovemmp 4w; eeverabllity. This Security lntirurranl mall be governed by fennel law and the law ells junsdldlon In which the Property Is located. In the event (hat any provision or Clause of this Security Instrument Or he Note conflicts with applicable law, such conflict shell trot affect other provisions of this Security Instrument or the Note Which can a given effect without the conOkang provision. To (his and the provisions of this Security inalmrnont and the Note are declared to be severable. to. Borroware Copy, Borrower shall be given one conformed copy of the Nice and of this Security Instrument, IT. Trenelar'of the Propertyor aSmNbAilMmd in eonower.Italioranypad aline Properlyoranylnterestin Ilia sold or Irahelmod (or II a beneficial Interest In Borrower Is sold or tmnslerred and borrower Is not a natural person) without Lenders prior written consent, Lender may, at Its option, require Immediate payment In full of all sums secured by this Security Instrument. However, his option shell not be exercised by Lender If exercise Is prohibited by federal taw as of the dale of this Security Instrument. It Lender exercised this option. Lender shall give Borrower notice of accelaralion. The notice shall provide a period of notion than 30days from the data the notice Is delivered or malted within which Borrower must pay all sumo Secured by this Socudtylnstrumenl. tt Bonowerfoits to pay these suma pilot to the expiration of this period, Lender may Invoke any remedies permhedbythb Socudtyinit umentwlgoutluMer nolfce or demand on Borrower. 10. Bonower's Right to RNostsdo. It borrower meats certain conditions, Borrowef shah have the right to have ealemement of this Security Instrument discontinued at any Ilme prior to the center of: (a) 5 days (or such other period as Applicable law may specify for reinstatement) before sale of the Pimedy o«euant to any power of sale contained In the Security Instrument; or (b) entry of a Judgment (b) Is nor Inelrumenl and the Role as it no accelondlon had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses Incurred In enforcing this Security Instrument, Including, but not limited to, reasonable attorneys face; and (d) lakes such action as lender may reasonably require to nature that the Ilan of this Security Instmmenl, Lenders rights In the Property and (,«rowers objector, to pay the sums secured by this Security Instrument shall continue unchgrli Upon reflnstatement by Borrower, INS Security Instrument and the -:.ed. WP 0* OR; 2841 PG; 3302 *** rorr o obllgellons secured hereby shell remain fully effective as ll no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph $7. 19. Sale of Not*; Chonge of Lan SondOor. The Note Ora partial interest In the Note (together with ties Sociably instruar may be said one or more limes without prior notice to Borrower. A sale may result Ina change in the entity(known as the 'Loan Servicer') that uWlocN monthly palmate due under the Note and this Securitylnslrumont. There also may be one or afore changes of the Loan Sorvkrer unrelated to a sale of the Nola. If (hare is a change of the Loan Servicer, Borrower "If be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will stale the horde and address of the new Loan Servicer and the address to which payments should be mean, The baton will also contain any other information required by applicable law. 20, Houndous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances onorinthe Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is In violation of any Ennronmronlel Law. The preceding Iwo sentences shall not ePplyio the presence, use. or slorago on the Proportyolsmail quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any Investigation, claim, demand, lawsuit or other action by any govornffental Or regulatory agency or private party Involving the Property and any Hazardous Subslance or Environmental Low at which Borrower has actual knowledge. It Borrower learns, or Is notified by any governmental or regulatory authority, that any removal or other remediaaon of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions In amudanco with s this paragraph 20,'Hazardous Substances' are those substances delinod as toxic or hazardous substances by Environmental he following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesbddes and herbicides, voNNle materials contalrr% itsbaslos or formaldehyde, and radloactivomatenals. As In ipis paragraph 2o,'Environmental Law'meane federal laws end taws of ihefurisdiction where the Property Is locateO Thal relate to' all rs Iyorenvlionmentelprolection. 21, Acaolaralidn Rsriiidleg. Lender shell give notice to Borrower Prior to accolandion lolioveng So rower's breach of any covenant or agreement in the ud Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shalle edty;`jgjjlh0 default;(b) the action required to cure the delauB:(a)adale, not lass than 30day5 from the date the notice Is given to Borrower;bywh lithA default must be cured; and (d) [hat failure to cure the default on or before the date specified In the notice may result In acceleration of )hb 4m secured by this Security Instrum ml, foreclosure by judicial proceeding and sale of the Property. The notice shall further'lglefm Borrower of the right to reinstate shot acceleration and the fight to eased In the foreclosure proceeding the nomexislence of a deleult oranyo`hardeleneo of Borrower to acceleration and lorocbaure. II the default is dal cured on or before the dale epeciged In the notice. Lander at Is option, may require Immolate Payrttent In full of all sums secured by this Security Instrument without further demand and May toTu se this Security Instrument byJudkial proceeding. Lender shall be entitled to collect all expenses Incurred In pursuing the romedlespr idad in Ills paragraph 21,including, but not limited to, reasonable atomeys fees and costs of the 11110 awdonce. .% .:.- 22. Rolsass. Upon payment of all sumas red,`,ppythls Security lnsbmleas uent, Lender shall ree this Securiy lnaburnenl,without charge, to Borrower. Borrower shall pay any racQr .iIfQQ6,ppat@ 23. Ahomeys' Foss. As used m this Send rlffl¢,In6Ir iAont end the Note.'attorneys' lees'shak Include anyaeomays' lees awarded by an appellate court. .'�,, 24. RkWid1lothls Sscurllylnstrurnant.Ilona i re", Instrument, me covenants and agreements of each such` r6hgNb agreements of ibis Security Mehemet as If the rider(e) wxl ��'y�jrt Ad)gstattle Rate Rider Rate 14UVE El Graduated Payment Rider El 1.4 Family RI 11 Balloon Rider Biweekly Pay ❑ oihellellspecify SIGNING BELOW, Borrower accepts and agrees to the terms and executed by Borrower and recorded with it. Signed, salad and aliverod In the prosenco of: Witness Slgnaluro:__04—i�,, __ s executed by Borrower and recorded togetherw th this Socu, y orated Into andshaa amend andsupplemonl the covenants and '"tally Instrument. (Check Applicable Box) Irder 11 Condominium Rider .� ❑ Second Homo Rider rigf<f,; Planned Unit Development Rider Witness Print Name:. !�(11r.-r�r J SJPO r�r _Slgnature:_ Borrower Witness Signature: ����� ___ Whereas Print Name:— _ Address: STATE OF_Flodda., COUNTY OF_COIISr__ In this $%only Instrument and In any ritiods) I hereby codify that on this day, before me, an officer duly allthoilzed In the state alomsald and mJh¢county aloresald to take ecknowNdgem mis, personalty appeared SaEby Tbomaa to me known to be the personls) described in and who executed the foregoing Intro n ant and acknowledged before me that HE(EHP THEY executed the same for the purpose therein expressed. WITNESS my hand and official teal In the County and Stele aloresald this April 20. Zoe 1. My Commission Expires _f /�_ Nofary PybClos SIg nlL —f fdL/LGiL—�—_ Nolarya Printed Name (SEAL) LAUR6N 1. B6ARD MYNMMIMION aMfn 00 •an• 9"RES IM44001 lyp>.r,prwxr n. rvaq amxw• Cu x.,oa,wp a 11 fig, o Iatit: 2810649 OR; 2841 PG; 1139 III UCOIDID in the 011ICIAL 11101111 of C01,1111 COD1T7, tL Ip1101tIC1/101313101 DA 01/13/2001 at 01:261,I DWIGIT 1, 11OC1, CLIII 11110T ILOtt SECOND MORT"GIR THIS SECOND MORTGAGE 'Security lnslrumenl') Is Given on Aprl 20.2001. The Second Mortgagor is laaag Dennis a sliesbotb Dennis OALD 15000,00 uC fit IL00 DOC•.35 $2.50 ('Borrower'), This Security Instrument is given to_ Collier County ('Lender'), which is organized and existing underthe lace of the Untied Slates Of America, and whose address Is 3050 North Horseshoe Drive 0145, Naples,. Florida 34104 .Bartowerowes Lender the sum of Iilteen Thousand dollars (U.S.$ 15,000.00 }TNa,debt Is evidenced by Borrowers Note dated the same dale as this Secudtyini Wment ('Second 6bn5ape'), which VOW" furmord" payments, with the full debt, ll not paid eadter, due and payable on gala o! property, reliwnge, or loss of hpeasetead exemption . This Security Inelfument secures to Lender. (a) the repeymenl d the debt ovklenced by the N01o, with Interest, and ail renewals, extensions and modifications; (b) the paymstnl of all other sums, with Interest advanced undorparegreph 7 to Protect the securtyof the Security Iesitt irml; and (c) the performance of So"O"es covenants and agreements under this Security IMaumentandtha Note. Fa this purpose, Borrower does hereby second mortgage, grant and conveylo Lender the fallowing described property located In Coll ier More particularly descdb4d a`e'; t71, Unit 2, Palm Ridge Folio # 65171000DDO and Nfilfh,e61e address of ('Property Add(ou'): P. \ ^-')0� Breezowood Dr, TOGETHER WITH all fhb)MIerovementa nowor hereehererecled on the property, am all eases s, rights. appurtenances, rents, royalties, minstrel, 041 and Gas rights and profftftqq water rots and Block and all fixtures now or hereafter a part of to property. All replacements and eddgons shall also be c6y(ataepythe Security IneW meal. All of the foregoing Is referred to In this 6eaanry ImWmentas the 'Property'. •'•. ff BORROWER COVENANTS tindbprtower is lawfully ulxed at the estate harebyconveyed and has the right to mortgage, Brent and convey the Property and that the Properly Is unencumbered, except lot encumbrances of record. Borrower warrants and will defend Generally the title to Ere Property against all claim red, ads, subject to any encumbrances of record. THIS SECURITY INSTRUMENT Vnf covenants fa national use end nomunkorm covensrtswith lMHedvadalon by judsdloon to constitute a uniform security ineWinaOLc9Vbd, teat property. UNIFORM COVENANTS. Borrower and `dOYO�panl and agree as lollowa: 1. Psymenl of Principal and inWosl;Pripa l Lag Charges. Borrower shall promplly paywhen due the principal of and almost on the debt evidenced by the Note. 2. Tares. The Mortgagor will payall Woes, assep Tan"wer rents or water rate pfbt to the accrual of anypenaNu orimerest theroon. The Morlgagor shall payorcauss to be paid, as the egnne tes`F flvelybecomodue,(A)(1) all taxes aMgovemmentalchargesol any kind whatsoever which may at any Iime be lawfully onelast or with respect to the Property. (2) oil of llry and other charge#, Inciuding'servIce charges', Incurred or imposed lot the'6pe(pliop ( Inlenance, me, occupancy, upkeep andimprovemenl of the Property, end (3) all assessmenla or other governmental charges llyY{`niay lawiutly be paid In Insteumens over a period of yearn, the Mongagorshall be obligated under11w Mortgage to pay orcame to tib44�paq�IatlQrty 9)Ich instalments as am regWredlo be paid during the term of the Mortgage, and shall, promptly after ftw paymael of any of the IoYepdng; Ic*rd to Mortgagee evkfwce of such paymant. O. AppNOMbnof Psymomic Unkmapplicabslawprovktesolhervt6e;p11. ymans received by Lender man be appled; first, to Interest due; and. to principal due; and last, to any late charges due undo) IKe NpI@s..' 4.Charges;Lions, Borrower shall pay all taxes, uauamens, cliar�ua, lip 44nd lnpo911bn98tdWlab1e to the Property which msyaftaln prettify over this Security lnstumenL and leasehold payments or groudo fen ilany. Borrower shall promptly furnish to lender all action of anwunts to be paid under this paragraph, and all receipts evidencling pp nor. Borrower shall prompllydscha(ge any Ilan which has prbdlyover this SocuyhylM meal unsasearawer: (a)agreea In writingb the peymeni of Me obligation secured bytes Thin Ina manner acceptable to Lentlar. (b)cOhlee0 Ip good lath the lien by, "defends against enloroemenl of the lien In, lapel proceedings which In the Lenders opinion operate toprevenitl of the son; or(0) secures from the holder of the thin an agreement satisfactory to Lender subordinating the lien to this Se;uRN IRRss front. It Lender delairrhm that any pan of the Propertylssub)est to a lien which may main prlorityover the Security lnsuumart, fgtl0 maXglvs Borrower a notice Mentrying the Thin. Borrower shell setlafy the Ian or take one or rcKKe of lye adions set forth above tit ago notice. 5. Huard or Propo ty Insurstlos. Borrower shall keep the Imptovements now exisf1(�ip tat hpreeger erected on the Property Insured agamt[on Wire, hazards Included within the tam extended coverage' and any otwy,hezor iM, Udall, loads or flooding. for m which Lender requires Insurance. This Insurance shall be maintained In the aounts and forbha petrrilppddes. at Lender requires. The Inwtanco carrier providing the Insurance shall be chosen byBonanereuD)ecl to LeMets epprovalwlY,i)rbhie eta unreaeonabywitMheld. 0 Borrower leis to meingln coverage described above, Lender may, at Lender's aplbn, obgm coverage to bcl Lender's rights In the Pfopertyinwordence with paragraph 7. At all films that Pro Notelsoutstanding, Ow Marsgepor ehwt nhainle(ml whh reepedto the Promises against such risks and for such amounts ore are customarily mined against end pay, ore the an" us and payable, all premiums In respect thereto.Including, but not limlledto,all-risk Insurance protecting the Inleresq of the »andModifoo"ao"At Nl Insurance policies and renewals shall be acceptable to Lender and shelf Include a standard mortgage clause. Lenderman have t o riot to hold the po ides and renewals. II Lender requires, Swearer shall promptly W" to Lender all recelpte of paid premiums and ranewalnollces. In the event of loan, Borrower shell olio prompt notice to the Insurance cerderand Lender. Lendermeymakoproololbss If not made promptly by Borrower. Union Lender and Borrower otherwise agree In writing, Insurance proceeds shall be applied b restoration or repair of the Property damaged, if the restoration or repair le economically feasible and Lender's security Is not named. If the reetoralbn or repair Is not economically feasible or Lenders eecuritywould be loomed, the Insurance proceeds shall be applied to the sumo secured by the Security Insbumen6 whether or not then due, with any omen paid to Borrower. 118onower obandom the Properly, a dm net answer within 30 Boys a notice from Lender that the Insurance center has offered to settle a claim, then lender may collect the Irnuranco proceeds, Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30• day period will begin when the notice Is mailed. Unless Lender and Borrower otherwise agree In willing, any application of proceeds to Principal "not extend or postpone the due date of the nwnthly payments, relened to In paragraph t or change the amount at the psynkents. If Under rom damage the Property prior the acqu21 Who isition tion shall pan to Londerb ow extent at therty Is acquired byLender, Borrowers right sums Insuranceo my sums owed byUs policies l Securtylrontruenl kmd lee to tety prior to the acquisition. 6. Oaouprwy, Prosovetion, Mai ntenarsw and Protection of the Property; Borrower's Loan Application, LoaaMwlde. Borrower Mall occupy, establish, and use the Proportyas Borrowers principal residence within sixtydays aft the oxecuton of this Security IrwWmenl and shill confirm to occupy the Properly as Borrowers principal reabarice let at tout one year after the dale of occupancy, unless Lander otherwise aorue in writing, which consent shell not be unreasonably w"Ald, or undoes extenuating drourresnces exist Machete beyond lonowors control. Borrower shall not destroy, damage or Impair the Properly, aaowtho Property todeledoraq, orcotr nk waeleonithe Prolosrty, Borrower shall be In default If any fodellure action or proceeding, whether civil orcdmbel, Is begun that in lenders 1 ,r,od.hy OR; 2841 PG; 1140 good faith judgment could result in lodollure of the Property or otheiwlse materlally Impair the Ilan created by this Security Instrumonl or Londoessecudtyinteresl. Borrower maycure such a default and reinstate, as provided in paragraph 18. byeauskig the action or proceeding to be dlemissed wnh a ruling that, In Lenders good lellh determination, precludes lodolture of the Borrowers Interval In the Property or offer material Impairment of the Ilan created by this Security instrument or Lenders securltyinlaraat. Borrower shall also be in default it Borrower, during the loan application process, gave materially false or Inaccurate Information or statements to Lender (or failed to pro" Lender with any material Information) In connoctlon with the loan evidenced by the Nola, Including, but not limited to, representations concerning 8000wers occupancy of the Property as a principal residence. II this Security Instrument Is on a leasehold, Borrower shall comply with all the provision of the lease. If Borrower acquires too Illlo to the Property, the leasehold and the lee title shall not merge unless lender agrees to the merger in writing. 7. Protection of Lander's Bights in the Property, It Borrower falls to pedmm the covenants and agreements contained in this Security Instrument, or there Is a lapel proceeding that may significantly affect Lender's rights In the Property (such as a proceeding In bankruptcy, probate, for condo mnallon or lodellure or to enforce laws or regulations), than Lender may do and pay tot whatever Is necessary to protect the value of the Property and Lenders rights In the Property. Lenders actions nay Include paying any sums secured by a Ilan which has priority over this Security Instrument, appearing In court. paying reasonable altwneys' foes and entering on the Property to make repairs. Although lender may take action under this paragraph 7. Lenderdoes not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become addiional debt of Borrower secured by this Security Instrument. Union Borrower and Lender agree to ogler forms of payment, these amounts ahall bear Interest from the data of disbursement at the Note rate and shall be payable, with Interest, upon holes from Lender to Borrower requesting payment. B. Mortgage Inaunncs. If Lender required mortgage Insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay, the premiums required to maintain the mortgage Insurance In effect. If, for any reason, the reengage Insurance coverage required Lender lapses or ceases to be In effect, Borrower shall pay the premiums required to obtain coverage substantlally equivalom (y9{h ,m0 gage Insurance previously In effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance prOYloue effect, from an alternate mortgage Insurer approved by Lender. If substantially equivalent mortgage Insurance coverage is not'ay,ab)9,, newer shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage Insurance premium being paid by Bmrowaf�tMm09 the Insurance coverage lapsed or ceased to be In offset. Lender will accept. use and retain those payments as a loss rose rve Ir\Ileu 0f npage Insurance. Loss reserve payments may no longer be required, at Ilia option of Lander, It mortgage insurance coverage jln4h a6l)p and for the period (het Lander requires) provided by an insurer approved by Lender again becomes available and Is obtained;, IoN§Gshall pay the premiums requued to maintain mortgage Insurance in affect, or to provide a less reserve, until the requirement for rim gage Insurance ends In accordance wain any written agreement between Botrower and Lender or applicable law. 9. Inspection. Lender or Its: a624m make reasonable entries upon and Inspections of the Properly. Lender snail give Bonowir notice at the time of or prior to ion ins (Ion specifying reasonable cause for the Inspection. 10. Condemnation. The prose 6 01 an award or claim for damages, direct or consequential, In connection Win any condemnation or other [a OrN,b(lor conveyance In lieu of condemnation, are hereby assigned and shalt be paid to Lender. In the event of a tole) taking al the ProponylytY"Nrdt♦ceeds shall be applied to the sums secured by Ihls Security Instrument, whe0rer or net then due, with any excess geld to Bottow.c..lr4 th event of a partial taking of the Property, In which the lair market value of the Properly Immediately before the taking Is equal to uf.gienterglien the amount of the sums secured by this Security Instrument Immediately before the taking, unless Borrower and Lender olhemie�+QQI� writing, the sums secured by this Security lnslmment shall be reduced by the amount of the proceeds multiplied by the following IP�c ti6n: (a) the total amount of the sum secured Immediately before the taking, divided by the fair market value of the Property lmES16(y toile the taking. Any balance shall be paid to Borrower. in the avant of oarnekino l laof The Proporn, In which the fair market value'oUlta l0bity immediately bolero the taking is lose than the arnount of the sums proceeds shall be applied to the sumo secured by this Securty Irish dint whether or not the sums are then due. Unless Lerner and Borrower olhorwlse spree in wiling, any applkallon of proceed@ I dlno, 1 avail not extend or postpone the due dale of the monthly payments referred to In paragraphs I or change the amount of 66h,EAS, 11. Borrower Not Released, Forbearance By Lsndar'!k, a y , I,VSr, Extension of the lime lot payment or modification of amortl:atlon of the sums secured by this Security Instrumot I 'anted 6ii IJendde�IPnysuccessor In Interest of Borrower shall not operate to release pia liability of the original Borrower or Borrowers euccesaore in lnler, aIm" nder shall nor be required to commonco proceedings against anyeuccessor in Interest or refuse to extend Onto for payment"otheI anamEallmolthesumss odbythl$Security Instrument by reason of any demand made by the original Borroweror eddweesi store In Interest. Any forbearance by Lender in exercising any fight or remedy shall not be a waiver of or preclude the exercfse of arty, flit or remedy. 12. Sucetesors and Assigns Bound; Joint antl Sevarall. 11 ty• The covenants and agreements of this Security Instrument shall bind and benefil the successors and assigns of Lender and BoCro su I to the Provisions of paragraph 17. Borrowers covenants and a9reemenla shell be joint on' 96 al. Any Borrower who co-signs this Security Instrument but does not execute the Note; (a) Is co•signing thla Security Instrument on o mortgage, grant and convey that Borrowers Interest In the Property under the terms of this Security Instrument;(b) Is not personally oblige) to ylhesumssecuredbyUls Socurity Instrument; and (of agrees that Lender and any other Borrower may agree to extend, modify, l''lor400 rr or make any accommodations with regard 10 the terms of this Security Instrument or the Note without that Borrowers consenf:..,' —: 13, Loan Charges. If the loan secured bylhls Security Instrument is subject to a law klypaaol5� mum can charges, and that law Is finally Interpreted so that the interest or other loan charge$ collected or to be collected In conrjactic(i th She ban exceed the pemnined Ilmits,then;(a) any such loan charge shall be reduced by the amount necessary to reduce the chat 10�, pon Iledgmd;antl(b)enyaums alreadycollected from Borrower which exceeded permitted limits will be relunded to Borrower. Le mayctiboae to make this refund by reducing the principal owed under the Note or by making a direct payment 10 Borrower, If a refund roc jkes pd�i deal, the reducllon will be treated so a partial prepayment without any prepayment charge under the Nola. ¢) te. Noticm Notices. Any notice to Borrower provided for in this Security ln$Iruenl shall be given by dollveim It 01by mailing It by first idea mail unless applicable law required use of another method. The notice shall be directed to the Property AOOrea _ f any other address Borrower designale t by notice to Lender. Any notice to Lender shall be given to Borrower ar Lender on given as provided In this paragraph. 1a, eryeming Law; the event that This provision Instrument shall be govyInst byfederalrtlaw and the Ice of the applicable la In which the Propertyn Itx;ated. Intheevent Uel any is Security instrument of (his Security Instrument or the Note ffecconflicts without a heconfli law, such con, T shill not hefilled provisions othersfthisprovisions of (hlo Security t and the Nor the Note ecl width can ee given affect wllhoul the conllkiing govlebn. To this and the proWebne of this Security Instrument end the Nolo are declared lobe severable. 10. Borrower's Copy. Borrower shall be glvenone conformed copy of the Note and of this Security Instrument. 17.Tranaferoft1a Propertyora Ba fiolal Intw"tIn Borrower. it all or anypart of the Proponyor any Interest In It is sold or transferred (or It a beneticial Interest In Borower Is sold or transferred and Borrower is not a natural person) without Landers prior wrigen consent. Lender may, al its option, require Immediate payment In full of all sumo secured by this Security Instrument. However, this option shall net be exercised by Lender It exercise to prohibited by rederal law as of the date of this Security Instrument, If Lender exercised this option, Lender shall give Borrower miles of acceleration. The notice shall provide a period of not tau than 30 days from the date the notice Is delivered or malled within which Borrower must pay all sumo secured by this Security Instrument It Bonower falls to pay these sums prior to the expiration of this period, Lender may Invoke any remedles permitted byhe Security InsWmenl withoulturner notice or demand on Borrower. 18, Bwow#ea Right to Relnstale. It Borrower meets certain conditions, BorroBershall have the right to have enforcemenlof this Security Instrument discontinued at any Ilme prior to the earlier of: is) a days (or such other period as applicable low may specify for relnelatenhenq before sale of the Property pursuant to any power of sale contained In this Security Instrument; or (b) entry of a Judgment enforcing this Security Instrument. Those conditions are that Borrower (a) pays Lenderall Burns which then would be due under this Security Ineinintenl and the Note as If no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses Incumed In enforcing this Security Instrument, Including, but net limited to, reasonable attorneys fees: and (d) takes such action as Lender nay rsawriabtyrequire to assure that the Ilan of this Secudy Instrument, Landers rights In the Propertyand Bomemees obligation topaythe sumo secured by this Security instrument shall continuo unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no moceloretlon had occurred. However, this fight to reinstate shall not apply In ...o,ed.v ro" 0 *** OR; 2841 PG; 1141 *** the case of acceleration under paragraph 17. 19. Sad of Note; Change of Loan Servaor. The Note or a partial Interest In the Note (together with this Securiy IMW rtrong may be sold one or more time without prior notice to Borrower. A solo may result In a change In theenliy(krwwn as the 'Loan Sorvicaf) that console momhlypaymenls due under the Note and this Security Instrument. There also maybe one ormorocharpes of the Loan Sorvkor unrelated to a sale of the Note. II there Is a change of the loan SQNIC6r, Borrower will be given written notice of he change in accordance with paragraph 14 and applicable law. The notice will slate the name and address of the new Loan Servker and the address to which pay"Ma should be made. The notice will also contain any other lnfonnallon required by applicable law. 20, Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or In the Property. Borrower shall not do, nor allow anyone also to do, anything effacing he Property that is In violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Pioperyol ended quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses end to maintenance of the Property. Borrower shall promptly give Lender written notice for any Investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private parry Involving the Property and any Hazardous Substance or EnvIronmenlal Lew of wfikh Banovrer has actual knowledge. It Borrower learns, or Is nolllled by any governmental or regulatory authority, that any removal or other remedlation of any Hazardous Substance affecting the Property Is necessary, Borrower shall promptlylake all necessary remedial fogions In accordance with Environmental Law. As used In this paragraph 20, 'Hazardous Substances' are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or axis petroleum products, toxic Pesticides and herbkldes, voledle solvents, materials conuumng sbeeloa or formaldehyde, and radiomlivematerials. jts us�e t0, his pa(egmph 20,'Envlronmenlal Law' meansfederal laws errd laws of the jurisdiction whom the Properly is located that relay to idt"" s,gp�ary or envlronmsnlal prolecilon. 26 AooeNratlpm.N�medNs. Lender shell glue Mlke to Borrower prior a acceleration following Borrower's breech of any covenant or agreement 1`dfp u y Inalmmenl (but MI prior to acceleration under paragraph 17 unless applicable law provides .Me 1.Ij The notice eheiIa Illy: U$1)- •delsuN;(b)Meaclan required to cure the dofeu0;(a) a date, not less Man 30 days from he data ha nooks M given to Bodowei,�iiy�ynktyl edeleult muel6a curad;and (d) that failure to cure he delaud on or before the data specified in he nodca may resu0 In aocelera—flop ofqq�sae`ppume secured by Ihle Security InaWment, foreclosure by Iodide) proceeding and seta of the Property. The notice shall lurlher.lNNaim`f%rtOwor of Ute right to relMlale ceder ecceleredon end the rigid lo risen In the foreclosure I. he hart.1llancaolad4leuH aanyotlte(delenee of Borrower to acceleration end foreclosure. it the defout is not cured on or before he date epecllled in the (alas, Lender;'iR its opibn, may require Immediate payment In full of all eume secured by this Security expenses Incurred in pursuing the remediespry4ldec of the title evidence. 22, ReNau. UponpayrMntolellsums-5 charge, to Borrower. Borrower shall pay any re&tpf 23. Attorneys' Fees. As used In this Saco, by an appellate court. 24, Riders to this Security Instrument. 0 Instrument, the covenants and agreements of each sh sgreoments of this Security Instrument as If the War El Adjustable Rate Rider El Is Security Instrument by)udiclal proceeding. Lender shall be entitled to collect all this paragraph 21, Including, but not limited to, mason" attorneys fees and costs bythls Security Inc Wmenl, Londershall release this Soo^ InsWmanL w 1hout osts. er,(nent and the Note, 'attomays' funs'shall Include anyanomeys' foes awarded Rate Graduated Payment Alcor D 1.4 Faml Balloon Rider 0 Biweekly El Other(s) (specify SIGNING BELOW, Borrower accepts and agrees to the terms and executed by Borrower and recorded Win n. Slpnod,amlotl and de/il/y$5O nlhop eo ol: Winese Slpnalure:.F Witness Pnnt Name: Witness Slonature:_ — Witness Print STATE OF_Flodda_ COUNTY OF_Colller_,_ rs are executed by Borrower and recorded together Wth his Secur y Incorporated Into and mail smix! and supplemenlMe covenantsand this Security Instrument. (Check Applicable Box) 4m Rider ❑ Condominium Ridor Address: El Second Home Rider ❑ Planned Unit DevelopMnt Rider In this Security Instrument and In any rider(s) I hereby codify that on (his day, before ma, an alike(duly authorized In the state afoesaid L acknowledgements, personally appeared Iaaao a ilieat»Eh Dasmis to me known to be the persons) described in and who executed the foregoing Instrument and acknowledged befom me that HFl SHE/THEY executed the same fortis purpose therein egress xi. WITNESS my hand and olliclal seal in the County and Stale aforesaid this April 20, 2001. My Commission Expires: __ r""" — _ Nola to V i Nalarya PrintV Name (REAL) aik • • 0140 15000.00 11C III Min roar o INtat 2810651 OR: 2841 PG; 1145 000-,ls s3,so NDI AICOIDID in the OttICtAL ►JWI09 of COLLIII fOtlNtl, IL 111110111C1)NOAIINA01 DR 0611312001 at 07:26AN DIIIONT 1, MCI, C1,111 IIND7 XMI SECOND NORTOIIOE THIS SECOND MORTGAGE ('Smurlly Instrument') Is given on April 27,2001. The Second Mortgagor is. Mary Williams (•Borrower). This Security Instrument is given to Collier County ('Lender'), which is organized and existing uMerihe laws of" United States of America, endwilmot ddressta 3050 North Boraeahoe Drive 0145, Naples_ Florida 34104 . Horrowerowes Lendeffmosumof fifteen Thousand dollars (U.114 15,000,00 }Tnls,debt Ise,ldiboodby Bonowore Note doled the same dale" Ibis Smudlymarumanl(' Agape'), which Pmvldea for monthrypayrremis, win the full debt, If not paid eadlor, due and payable on male of DroaertY refimage or loss of boeaestead exeasytion . This Security Instrument secures to Lender; (a) the repayment of the debt evidencad by the Note, mm interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with Interest advanced under paragraph 7 to protect the sacudbot Ins Security Instrument; and (c) the pedormance of Borrowers covenants and agreements under this Security IneWmentaM the Note. For this purpose. Borrower done hereby second mortgage, grant and convey to Lender the lolbwinO described property boated in Collier County, Florida. More partbulariydescribhrhLo�58, block 4 Rive Park East FolluN18152050000 and which has the oddiosa of ('Property Addross'): _ \'_ 10 14th St N. TOGETHER WITH all Ihd. em iI roythre royalties, mineral, oh antl gas rip is end profits, w replacements and additions shall also be Covent, by Ihe'P,oporly. ..y BORROWER COVENANTS that W owof end convey the Property and Ihei the PropeX prat penerelty TH18SECURITY o NSTRUMI ENTnst lcombI claims , lurledbtlon to constitute a uniform UNIFORM COVENANTS.. Bonoweri 1. Payment of principal and Intent; Ph and interest on the debt evidenced by the Note. 2. Trulas. The Mortgagor will pay ell taxes thereon. The Mortgagor shall pay or cause to be pat any antl whatsoever which may at any time be rew4 Charges, inciudinp'eervke charges', Intoned or imp Property, and (3) all asseeemenls of other govemr Mortgagor shall be obligated underlhe Mortgage to t of the Mortgage, and shell, promptly after the payn 3. Appik,"M of Paymetts. Union app Interest out; and, to principal due; and last, to any II 4. Clwgaa; Liana, Borrower shall pay all may altom priority over this Security Inellumenl, and all notices of amounts to be paid under this paregra Borrower shell promptly discharge anyllen the na,mrenl of the obligation secured bythe lien In a the 5, Howd or wo Insured against lone by fire. I which Lender requires Inew Insurance carrier providing a it Borrower falls to maintain Property In accordance with Premlaaa against own risks not lose than the lull to Ai Insurance the tot to hold the po renawatnolbes. Inthe e not made promptly IV Unless Lendi damaged If the reeler economically feaslbo c Instrument. whether or payments. if ur damage to the I Prior to the acq $. W Borrowersholl, Instrument and good leek Ilydp ,�,ad. W extent or de 34102 o� hereaftwerecledon the property, and all easements, rights, appurtenances, rents. rights and Block and all fixtures now or hereafter a pan of the property. All eculfty Instrument. Allot the foregoing Is relerred to in deb Seavib InsWmanlas Mully seized of the estate hereby conveyed and has the right to mortgage, grant nomad. except for encumbrances of record. Borrower warrants and will defend emends, subject to any encumbrances of record. lean covenants la national use and Mhunlform covenants with turned variation by I'D greelproperty. T p22Kenant and agree as follows: �OaVeod Late Chargat. Borrower shell promptly pay when due the principal of , rseq 'is, sewer rents or water rates prior to the accrual of any ponanlas or Interest ih9s of a efaepecilvgalm1w due. (A) tto taxes and govemmenlityand Cher eal•�ed 61Jevwled apalnsl or with respect to the Property, (2) all utility end other which In the Iry to Lender Insurance. Bon is Included within This Insurance nanceehopbech life, over a period of years. the due uoget t :Note. Bsments; dtpeii-1n1 sand Impositions attributable to the Preperlywhich avmams nYai! Mks is, 11 amp. Bonowmshall promptly lumish to lender Lenders opinlon operate�Op(eventtha.anforcemenl of the Ian; or (0) neaxes from subordlneang the Ilan to this Spey, t1n¢WneenI It Len der debormm� that any Why over the Security Ins Wmonl, Landgr may give Borrower a notice identifying re of the action eel forthfDQ@y sbcV , JAItlrytIn`s of the giving of notice. shall keep the Improvements nb➢n kiD ng.oghereaher erected on the Properly o -extended coverage' and enyot�gfhe e. Including tboda or flooding, for be maintained In gee amounts aM(gl-I dodo that Lender require$. The len by eorroWef sublern toder0 approval nAp beunressonabNv�'�d. Lender may, at Lenders option, obtain C7yveFaDe lie' loci Lander s rights in the alelsotetsoutslending, des Mggegor obeli mMin uruxewiUrespealothe customarily Insured against and pay. real the some due and payable, all all-dek lnsurerece protecting the intereetsol the,Afp�igagol Mottling" against Intl tonowalsshelf be Does ptable to Lon defend" Include a standard mortgegedeuse. Lendershall have d renewals, If Lender requires, Borrower shall promptly give to Lender all recelpls of paid premiums and lose, Borrower shall give prompt notice to the Insurance carder and Lmnor. Lender maymeke proof of lees or. ,rrowar otherwise agree In vMtino, lnsurance proceeda shill be applied to mWaUm a repalrof the Property repair is economically feasible and Lenders security is not lessened. If the restoration or repair Is not 's security would be lessened, the Insurance proceeds shall be applied to the Dome secured by the Security due, with any omen paid to Borrower. II Borrower abandons the Properly, "Wes not answer within 30 he Insurance carrier has offered to settle aclaim, then LeMor may colon the Insurance proceeds. Lender or restore ese Property of to payeums secured by this Security InsWmBnL wheeora not than due. The 30- notice is mefled. Unless LaMar and Borrower otherwise agree In writing, any spplkation of proceeds to )alpone the due dale of Ina monthly payments referred to In parogreph i or change the amount 01 the Mamtinanoe and the Property as Sol the Property as So( Issue in forlature Proloal on of Ure Property; Borrower's Loan Application, Leaaahocs, rowers pdmlpal maldence within sixty days after the emcudon of Bale Security owers principal reeklerce for at oast one year agar the date of occupancy, all not be unreasonably withheld, or canine extenuating circumstances oxiat ley, damage or Impair the Property, sgowgc PIOPodyto deorblale, $commit oture action or prooming, Whether civil or criminal, Is begun that In Lenders or otherwise materially Impolr the hen created by little Security Instrument or 1 0 OR; 2841 PG; 1146 you o Lenderssecudtylnleroal. Borrower MAycure such a default and reinstate, as provided In paragraph le, bycausing the action or proceeding to be dismissed with a ruling that, In Lenders good faith determination, precludes lodeitu t of the Borrower's Interest in the Property orother materiel impairment of the Ilan created by this Security Instrument a Lenders security Interest. Borrower shall also be in defaultII Borrower, during the loan application process, gave materially false or Inaccurate Information or statements to Lender (Welled to provide Lender Win any material Information) In connecllon wllh the loan evidenced by the Note. Including, but not limited to, representations concerning Schemes occupancy of the Property as a principal residence. If this Security Instrument Is on a leasehold, Borrower shall comply with all Iho proWelon of the lease. If Borrower acquires in title to the Property, the leasehold and the toe title shall trot merge unless Lender agrees to the merger In writing. 7. Protection of Larrtla's Rights In the Property. 11 Borrower falls to perform the covenants and agreements contained In this Security Instrument. or there is a legal proceeding that may significantly affect Lenders rights In the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture w to enforce laws or regulations), then Lender my do and pay for whatever is necessary to protect the value of the Property and Leaders dghts In the Property. Lenders actions may include paying any sums secured by a Ilan which has pdodty over this Security Instrumerd, appearing in court, paying reasonable affomeys' lees and entering on the Property to make regalia. Although Lander may lake Milan under this paragraph 7, Lander does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become oddlllonal doll of Borrewersecured by thla SecurityInstrument. Untem Borrower end Lender agree to other terms of payment, these amounts shell 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. e. Mortgage Insurance. If Lender required mortgage Insurance as a condition at making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage Insurance In offset. II, for any reason, the mortgage Insurance coverage required byy Lender tepees or ceases to he In ellecl, Borrower shall pay the premiums required to obtain coverage "' facts"' equlvalegf I6 )h fra(ngape IneUraflCa p/BVl9aaly In BnBCI, el a C9ai subetanliaay BQWVAIent IO Ue COeI la BarmWer al the mortgage Insurance pre peas y,lI heel from on alternate monge0e Insurer approved by Led II subs age by equlvalont m9ngege Insurance coverage is nolays)J le; gorrowershallpeyto londereach month asum equal to oneAweiBh of ins yeariy mortgage lnsurenco premium being paidIs Borr((aw4F�Ghp the Insaaneo coverage lapsed oraassed lobe In etlecl. Landerwill aaepl use end retain Ihasa payments as a lose reserve Ih, In agape Insurance. Loan reserve payments may no bnper be required, at the option of Lender, N mortgage insurance coveregegln t eat I end for the peeled teat Lender r.quiree) provided by an In, approved by Lender again become' available end is oblalned. Borcgw�, anellpay the Drecalums required to mainlalnmorigage Insurance inoffed, or to provides ices reserve, until the requirement for port ge neumn, ends In accordance with any wrlran agreement behreen Borrower and Lentler or 9. Inspection. Lender or Its, egenl yn y make Borrower notice at the tine of or prior ldYgn Iq, Ion spa 10. conMmnatbn. The grace of any m condemnation or other lakirg of any pen of lh ropertyur Lander. In the event of a total taking of the Propartyi Jlapi( or not than due, with any excess paid to Borrower] In (pt! Property In which the lab madelvall!" lyfor the taking, unless Borrower and le fpplled to the sums secured by this Se agree In wiling, any application of pm o In paragraphs 1 or change the amour ewer Not Released, Forbearance By the nable entries upon and Inspections of the Property. Lander shall give reasonable cause for the Inspection. r claim for damages, direct or consequential, In connection with any wolisme in lieu olcondormaaon, are herebyassigned and shallbe paid to shall be applied to the sumo secured by this Sacudylnahurrlenl whether of a partial taking of the Property. In which the lair market value of the the amount of the sumo secured bythis Security Instrument Immediately wiling, the sums secured by this Security Instrument shall be reduced by I) the total amount of the sums secured Immediately before the taking, do�ethe taking. Any balance shall be paid to Borrower. In (he event at a top gsrtyImmediately before the taking is leas than the amount at the sums Th�Avl@eagree In writing or union applicable law otherwise provides, the Inav nt whether or not the sums are then due. Unless Lender and I to odrlo at shall not ex[end or postpone the duo data of the monthly release the liability of the original Borrower or Borrowers erwcomors lynle against any s Wbemor In Interest or refuse to extend Uwe fa payment OrO N Instrument by reason of any demand made by the original Borrower or Sop exercising any fight or remedy shall not be a waiver of Or preclude the exori 12, euooesaas and AmIgno Bound; Joint and Several Liabbil Insbument shall bind and benefit the successors and assigns of Lender am Provisions of paragraph 17. Borrowers covenants and agreements shall Instrument but does not execute the Note; (a) Is co-signing this Security In Interest In the Property under the terms of this Secudy, Inetmmenl; (b) Ia not Instrument: and to) aorees that Lender and any other Borrower may agree regard to Instrument Extension of the time for payment or Modilkation of y successor In heirest of Borrower shall nmoperate to rider shall not be required to commence proceedings Qtlllyawrigation of the sumo secured by this Security I weals In interest. Any forbearance by Lender In Q3 ht orremedy. the',,,,ants mid Agreements of this Society For U to the V"'ve al. Any Borrower who co-signs this Security ( onry, mortgage, grant and convey that Borrowers ntIMIlgaled-to pay the sums secured by this Security tl, motl, ifyjorCegr or make any accommodations with ially Interpreted so that the Interest or other ban charges COHOCIed Me W collected in i ten: (a) any such loan charge shall be reduced by the amount necessary to reduce the c collected from Borrower which ameedetl permlded limits wit be refunded to Borremat. g the principal owed under the Note or by making a direct payment to Borrower. It a re as a perils[ prepayment without any prepayment charge under the Note. 14. NoBeas. Any ranks to Borrower provided for in this Security Instrument shall Ial ail unless applicable law required use of another method. The notice shall be directedI sr designates by malice to Lender. Any notice to Lender shall be given to Borrower i, and that permitted the reducuon will mailing it by first ny other sources piovldod In this 15. povaming Law; Seversbility, This Security Instrument shall be governed by federal law and the law of the Jurisdiction In which the Propertyla located. 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 proWelon. To this and the provisions of this Security Instrument and the Note are declared to be severable. 1e. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Properly Ora 8enaf clol Interest In Borrower. If all or any pad of the Proponyaanylnterest In It Is said of transferred (or If a beneficial Interest In Borrower ts sold at transferred and Borrower Is not a natural person) without Larders prior wnffen consent, Larger may, at Its option, require Immediate payment In full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lander It exercise Is prohibited by federal law as of the dale of this Security Instrument, If Lander exercised this option, Lender shall give Borrower notice of accelerellon. The ticks shall provide a period of not lass than 30 days from the date the voice Is delivered or malled wlhln which Borrower must pay all sums secured by this Security InaWmanl. U Burrower fails to pay than sums prior to the expiration of this padod, Lander may Invoke any remedies pamlhod by this Security Instrument Wthoul further notice or demand on borrower. 18, Borrodeste Right to Reinstate, It Borrower meets certain condltkns, Borrower shall have the right to ha, enforcement of this Security Instrument discontinued at any Ume prkr to the Sadler of : (a) 6 days (a such other period as applicable law may specify fa reinstatement]) before sate of the Property pungent to any power of sale contained In this Security Instrument or (b) entry of a Judgment enlorelrg M48ecudrylnslmment. Those conditions are that Borrower..(a)pays Larder all water which am world be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expemea Incurred In enforcing this Security instrument, Including, but not limited to, reasonable allorneys feet; and (d) takes such action as Lender my reasonably requlm to entire that the Ile of this Security instrument, Lenders rights In the Property and Borrowers obligation to pay the sums wined by this Security Instrument shall continue unchanged. Upon reinstatement by Hanover. this Security Instrument and the obligations secured hereby shall remain fulty Hooll" as If no acceleration had Occurred, However, [his right to reinstate shell not apply In the wee of acceleration under paragraph 17, ••wud.ey OR; 2841 PG; 1147 Boar e 1e. Sale of Not Chantsa of Loan earv'a The Note or a partial Interest In the Note (togetlrerWith this Socurily Instrument) MY be soldone or more times wllhoul prior notice to Borrower. A sale may result Ina change in the sadly (known as the 'Loan Servker') that collects monthly payments due under the Note and (his Security Inatrument. There also maybe one armors changes of the Loan Sarvloor unrelated to a sale of the Note. II there Is a change of the Loan Sorvker, Sottowerwill be given written notice of the change In accordance Win paragraph 14 and applicable law. The notice will stale the name and address of the new Loan Somlo r and the address le which payments should be made. The notice wq1 also contain any other Information required by applicable law. 20. Hasardous Substance, Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or In the Property. Borrower shall not do, nor allow anyone alas to do, anything attracting the Property that is In violation of any Environmental Law. The preceding two sentences shall not apply to the pregame, use, or storage on the Property of small quantities or Hazardous Substaces that are generally recognized to be appropriate to normal residential uses and to maintenance or the Property. Borrower shall promptly give Lender written notice Jar any Immsilgation, claim, demand, lawsult or other action by any governmental or regulatory agency or private party Involving the Ploperty and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower loam', or Is notified by any governmental or regulatory authority, that any removal a other romedledon of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary ramamal actions in accordance Win Environmental Law. As used In this paragraph 20,'Hazardous Substances' are those substances deflned as toxic or hazardous substances by Environmental Law and the following substances: gasoline,kerosene, other flammable or toxic petroleum prock", hem pesticides and herbicides. volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used In this paragraph 20,'Environmental law' moans federal laws and laws or the ludsdkilonwhom the Propedy Is located that relate to haellV safety or environmental prolectlon. 21. Accslayir IBA} Romadlss. Lender shell give notice to Borrower prior to acceleration following Borrowers breach of any covenant Or egreme In lhlq" Kially Instrument (but not prior to accelerailm under paragraph 17 unions applicable law provides otherwise). The nolk:e s(t@II„ O)ihe delBull;(b)lhe action required to cure the deleulg(c)a date, not lees men30 days from me date the notice is given to Borroryer, yhthedefault must be cured; and (it) that failure to cure the default on or before the dale specified In the notice may result In cc' dfthe Bums secured by this Security Instrument, foreclosure byludkial proceeding and sale of the Property. The notice ehaII I , h-It 'A borrower of the right to reinstate after acceleraton and the right to eself in the foreclosure proceedlnp the nomerlslence of e.de��l��dAo anyother defense of Borrowerto acceleration and foreclosure. Ifthedetaultisnotcuredonor before me dale apeclliod In the doefo, Lender, at Ile option, may require Immediate payment In full of all sums secured by Ills Security Inabamenl without ludher demand endmayfpr loe this Securityinalrument by)udklal pfocerulug. Leader shall be entitled to collect all expensesimurredlnpursuingiheremedle4jmv lead In this paragraph 21,including, but not limited to. reasonable attorneys foes and costs of the Iltie evidence. "= 22, Release. Upon paymanl of �h mat secured bythls SecunlylnslrumBni, Lender shall release this Security instrument, without charge, to Borrower. Sorrower shall pay ah§regordali costa. 23. Attorneys' Pass, As used in ihis,8 r1,y1. strumenl and the Note,'adomays' lees'shall Include anyadomeys'teen awarded by an appellate coon. 24. Rldersto this Swurity letrumat66§;yy!haAs dose are executed by Borrower and recorded together with this Security Inelmmenl, the covenants and agreements of each puuGGhnder ailbelncorporated into and shallamend and supplement the covenants and agreements of this Security Insimmiml as 11 the ridsi(e)a 0 it of this Security Instrument, (Check Applicable Box) ❑ Adjustable Rate Rider ❑ Ngla')mpro\4(nent Rider ❑ Condominium Rider ❑ Graduated Payment Rider Elt•4 Frilly Rid@?\ ❑ Second Home Rider l ❑ Balloon Rider ❑ Biweekly-PIa', Plannad Unit Oevimpnenl Rider ❑ '' ` Other(s) (epecily SIGNING BELOW, Borrower accepts and agrees to the terms end covBnans,gpnlalned In This Security Instrument and In any rldOr(e) executed by Borrower and recorded with It. / Signed, sealed and delivered In the presence Of: t \I Wlinee Signature: �-_�"_�—x ,l Slpanalur�\l .('![y .4Y' [, 'L'[P+/._L(rrv} __ r Yr... Witness Print Name: i (1 ! J err rrL arynin lu— �r, Borrower Witness Skinalures�.�ir_ Witness Print Name: — Address: STATE OF_Florkla_ COUNTY OF_Colller__ I hereby OrIlly that on this day, bolero me, an officer duty authorized In IN state aforeseld a`rTd I4 0 county aforesaid to take eckno viedgemBnts, personally appeared Wry Nilileas to me known to be the persons) its Ad who executed the foregoing Instrument and acknowledged before me that HE/ SHE/THEY executed the same for the pub Ihereln expressed. WITNESS my hand and official seal In the County and State eloresard this April 2T,2001. MY Commission Expires:----- olaryP Ib'e stud infra ) Nolerys Pdnted Norco (SEAL) LAURBN J.RBARO �J NYCOiti. off I(VIAI 1 Mn• axnatf. le^.reap: IJaaIAgTA1Y {h Nwp RounLboM„l'u .n.,.d.wP Stiff! 2810652 OR: 2841 PG: 1148 IMI OCOIDID in the ORICIAL IICOIDI of COBtII COIMfl, It 1MTIIOII1csllolsessol bA 06/13/2001 it 01:11All OMICIR I, IIOCI, CLIII OSLO MOM() 2IIDI ILOII SECOND MORTGAGE tic 111 15100 DOC•35 52.50 THIS SECOND MORTGAGE ('Secudty ImtrumenP) is given on March 14, 2001 The Second Mortgagor la: Dorothy Riley, a single warn ('fsonawer). This Security Instrument Is given to Collier County ('Lander), which is Organized and existing under the taws of He Untied Stales of Amedce, and whose address is 3050 North Horseshoe Driw, a145, Naples, Florida 34014 . Borraveroees LerxIWIheeumd Pitt n Thousand and No/100th■ Dollars (U.S. ti5, 000.00 ). This debt Is evidenced by Bonower'e Note dated the same dale as this Security Instrument ('Second Mortgage'), which pmvWs, for monthly payments, with the full debt, it not paid eadim. due and payable on Bale ofyroperty refinance, or lose of homestead exeaption. This Secudty hatrument Secures to Lender; (a) the repayment of rue debtevidenced by the Note, vdth IWI, and all enemas, exlensbns and modifications; (b) to payment of all other burns, with interest advanced under paragraph I to protect the Security of the Security Instrument; and (0) the pedorm mo of Borrowers oovenants and agreements under this Security Instrument and the Note. For this purpose. Borrower dose hereby second mortgage, grant and convey to Lender the following described property located In Collier County,Florida. As more parllcuisdy described as Lot 46, Unit 2, Palm Ridge, Collies County, Florida and which has the address of ('Property Addreed): TOGETHER WIT 'I I provemanle now a hareator erected on the property, and all easements, debts, appurtenances, rents, roystlas, mineral, oil and pes'fJp , A.1d is, water rights and Stock and all fixtures now or hereafter apart of the property. NI repbcarnenb and addtlom Shall ale be cove+pWYSecudty Instrument. All d the forogdng Is refined to In this Security Instrument sa the'Property. BORROWER COVENAN� YS I Rotrower U Lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and 00" file properly and that the drapefiy IAu umberad, except for encumbrances of recall. Borrower warrants and will defend generally the tlik to the Property against all claimsgdttl Me, Subject to any encumbrances Of record. asus avrhnorcv IUCTAlIeIF mornbirhea uNlorm covemnb la rllorel use end nark unu,,m cevenanls with limited variation by llrlldidlotl b constllule a uNlorm security Instrumen covering real WOpony. UNIFORM COVENANTS. Borroi,(M.nr�t L. er covenant and agree as follows: 1. Payment of Principal and intent); P payment and Late Charges. Borrower shall promptly pay when due the principal of and Interest on the debt evidenced by the Note. ., 2, Taff, The Mortgagor will pay all rob: ageae)(ne+iis, sewer rents or water rates prior to the accrual of any penalties or Interest thereon. The AlorlpSpor shall pay a ceme to be pald� seat UaSpw respectively become due, (AHi) all texas and governments[ charges of any kind Wh aoever ~may at any orm be lawlWly ass „ led offilvled against or with rasped to tie Property. (2) all utility and other charges. Indo, a g -sarvka chagee, incurred or Imposed fa the op6�todInlenance, ma, occupancy upkeep and improvement of the Property, and (3) and asas,aphens a other govemunensl clerys, That may`WN, petal in Inslallmen(e over a period of years, the Mortgagor shall be wow urWer is Mortgage to pay or came to be paid a ,' rplaJlmenle as ere required to be paid during the term of the Mortgage, and Shalt, promptly Sher the Payment d any d His lomoong, rg�ygIt 11egea evidence of such payment. 2. Application of PeyMm,, Unties applicable law pf*Ides bl miss, all payments received by Larder shall be applied: list, to ktssat due; and, to principal due; and last, to Srry late charges due, ote. fl end Impceillons attributable to Ina Property which may 4. Chsrgea) Llano. Borrower Shelf pay all Hisser. asses Qs. sltsln plenty over this Security Instrument, and leasehold payments of nd fe a, II anY• Borrower shall promptly furnish to Lender all 9p�iyMrp �a notices d enaums to be Pak? ceder this paragraph, and all recelpts ev g (he ymenle. Bomower shall promptly discharge any lion which bee priority ov i t 18 ,, ty Ins WmanI unless Borrower: (a) agrees in writing to is paymhenl of to obiodlon secured by fie flan In a rmnner aaeplabfe to Le" 14)�T�n(sets In good faith the lien by, or defends against W*tarnart of the Ian in, legal Pmceedings which In Iha LetWere opinan opt alerlo$rpv�pnnI the enforcement of the Item; or (c) secures from the holder of the, Mari an agreement safisfaWdory to Lender aubordlnait the Mari l01 Is�S"ecudry Instrument. If Londe delermines that any part of the Properly la sub)ect to a tan which may attain Prbriry eve the Security ImSir nl; may give Borrower a notice Wenlilying the Ilan. Borfoww shot s,gafy the Hen or lake one or more of the adkxu set lath above whin. rid of the giving of notice. 6. Haurd or Prop mfl, uranca. Borrower shall keep the Improvements' ryyA q m a hereafter erected an the Property Insured against lea by fire, hazards included wthln the term 'extended coverage' and any othe7lsra(ds,including floods or flooding, for which Lender requires Insurance. This insurance than be maintained In He amounts and la the periods IfilHandl requires. The Insurance carrier providing He Insurance shall be chosen by Borrower Subject to Lenders approval which shall fto1 b4 massomby withheld. If Borrower falls to maintain coverage ds,albed above, Lender may, at Lenders option, obtain coverage to proltolL ON rights In the Property In accordanco wth paragrsph T. At all tines Hal the Note is outstanding, the Morigsgor shall maintain Imurancd fi fo I to the Premises against such risks end fa such •mounts se are cuelanedly insured against and pay, as the Same become due,e _Pay _q�, all premiums in respect thereto, adudkg, but rat limited to. all•r(sk Insurance protecting the Interests of the Mortgagor and Mortgda a,rl loss or damage to the Premises by Me, lightning and Other asemldas cmtorm fly Imurod against (Including boiler 0*10610114 It eppropra elr„ yvit a uniform standard extended coverage endersement, Including del removal coverage. Such Insurance at all limes to be In an a Map let than the full replacement cost miss, t of the pre, additive of borings and fou ds atlo . AN Insurance pdides and ranilwab shall be acceptable to lender and shall include a standard m odoVP�e.dabse. Lender shall have rks the right to hold to polids, arenewals. If Lender requires, Borrower shall promptly give to Lender all recblpla of paid premiums and renewal polices. Inds event of loss, Borrower shall give prompt notice to the Insurance carder and Lender. Lender may make proof of loss if not made Promptly by Borrower• UNM Lander and SWOWK otstwise agree In writing, Insurence proceeds shall be applied to restoration or repair of the Property dpnhsged, t the rs,taelan a repair ts emrhorrltcaltY feaeltte and Landers security b rot Is,serhed. II the restoration or repair Is not ecoranhkaly leulae a Larders security would be Is,aened, the IrsurOna aoceeds Shell be epptied to the sums secured by the Security Imhumat, whether a not then due, with any excess psH l0 0orrower. II Barowa abandons the Propedy, or duns rat erwer within 30 days s notice ban Lender Ust the aeuance cerrar has otered to. a clolm, loan lender My cdacl the Insurance Dreceeds. Lender may me Iha prooeetle W repslr a rs,ore the Properly a to pay auma secured by U11e Security ImlromenL whalhar a not Then due. The o0•day period sMM begin when the ndk:e b mailed. Units, Lender end earower olhenWse spree In wdtirg, gray applicallon of pra:eeds to prpal shall not extend a perWae the due dale of fie rnoritgS' psymente relened to In perapreph 1 a change the amount of the payments. If under paragraph 21 is Properly ts aogWred by Lender, Bonov+eh right to any Insuerhce poticis, end proceeds needling Isom damage to the Property Prot to to acgttleMbn attend prat b Lender to the edam d ribs sum secured by th Security Inslrunent immediataly pnbr to Iha acqulsifan. �, OaOPaex:Y, PrSsarvsto n, lManMtharha and ProtetHM of tM Propady7 EOROwNra Loan Applitallon, Les,alrolds. Bonowsr Shan occupy, s,lSbltah, and use ribs property s, Borrovrort principal rs,Werae within nary Jaye agar the execution of this Security Instrument rid $hall omdnue W ooctpy iha Property st BemOWN4 prkr2pst rs,Wetae Ice tl beat one Year agar Ind data d a:cupancy, unless LWXW ch arwMe ayes, In carting, which conatnt anal) not be unreaaoriebty, withheld, or uaee extenuating circumstances exist which ere beyond Bcrrovrara OONrd. Borrows that not ds,iroy, demepe a impair the Property, allow the Property to deteriorate, or commit waste on Iha property, Bantowsr shad be In defeWl II ashy iodates sclera a proceedlnp, wheher cWg a crimiml, is begun Thal In Lender's gootl IaiH 2uWprnhert teed rs,ultl hn ladetue d the Property a ouhervdse metarlalry Impair the Ilan created by' fhb Socunry Imirumenl a Larders aacurity aters,i. Bamywer may cure each a delaut end rokslale, s, provkled In paragaph ill, by amrg the acibn Or proceeding to be dismissetl meth ■ stag tlul M LeIWere good IaIH determlmibn, aechWoe lOrfature d the eOrrowere intereal in Ise Property a other material sripaknhenl of the tan created by Hlt Security instrumert a Landers security Iniereal. Borrower shall also nd In default it Borrower, during Iha tan appBatlpn procs,t, pave malerlelry false a Ireccurol0lnlamelbn a elalertenle t0 Lender (a lolled to provide Lander wiH any material 0 OR: 2841 PG: 1149 Irifamauon) In connection with the ban evidenced by the Note, including, but net limited to, representations concerning Borrower's occupancy of the Properly as a principal residence. If this Security Instrument Is on a leasehold, Borrower shall comply with all the provision of the lease. If Borrower acquires fee we to de Property, the soohoe and the fee title shall not merge unless Lender agrees to the merger in writing. T. ProWtke of L#ndoes Rights in the Property. If Borrower falls to perform the covenants and agreements conlr:lited in this Security Inaf moard, or there Is a legal proceeding the] may significantly affect Lender's rights in the Property !such as a proceeding in bankruptcy, probate, for condemnation or forfeiture Of to enforce laws or regulations), then Lender may do and pay for whatever is necessary to proled the value of the Property and Lender's rights In the Properly. Lender's actions may include paying any sums secured by a lion which has priority over this Security Inslrumenl, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repaim. AlDwugh Lender may lake action under [his paragraph 7. Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall became addllbnal debt of Borrower soured by this Security Instrument. Unless Donowor and Lender agree to other lama of payment, these amounts shall bear Interest from the data of disbursement at the Note rate and shall be payable, with Interest, upon notice from Lender to Borrower reguesima payment. B. Modgag* Insurance. 11 Lender required mortgage Insurance as a co dilbn of making the ban soured by this Security Inslrumenl, Borrower shall pay the premium required to Mllikin the mortgage Insurance In erred. If, forany reason, the mortgage insurance coverage required by Lender lepsee or ceases to be In effect, Borrower shall pay the premlums required to obtain coverage substantially equivalent to the mortgage Insurance previously In effect, at a coal substantially equivalent to the cost to Borrower of the mortgage insurance previously In effect, from an alternate mortgage Insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to lender each month a sum equal to cr e-lwelfth of the yoady mortgage Insurance premium being paid by Borrower when the Insurance coverage lapsed or ceased to be in effect. Lender will accept, we and retain these payments as a loss reserve in Ileu of mortgage insurance. Lose reserve payments, may no lager be required, at the option of Lender, if mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an Insurer approved by Lender again becanes available and Is obtained. Borrower shall pay the premiums required to maintain mortgage Insurance In effect, or to provide a loss reserve. until the requirement for mortgage Insurance ends In accordance wllh $ny written agreement between Borrower and Lender or applicable law. s. Inep*odon. L,on'or Arvie agent may make reasonable entries upon and Inepeck m of the Property. Lender shall give DormWer notice at the time of of pdaYo;enps.iik,lbn specifying reasonable cause for the inspection. 10. ConrNmnaBod::Rte s of any award or claim for damages, direct or consequential, In connwdion with any condemnation or mor taking or any pad of the Pr forconveyance In lieu of condomnalen, are hereby assigned and shall be paid to Lender. In the event of a total taking of the PrWel[y; the' -;X shall be applied to the sums secured by this Security Instrument, whether or rust than due, with any excess pail to Bona for. mills gv`enn1 qq1 a partial taking m the Property, in which the fair market value m the Property Immediately before the to uing Is equal to orgreater (Iieryllfe Cnounl tithe sumo enured by this Security Instrument Immediately before the taking, unless Borrower and Lender otherwise agree In Wrung, the suns soured by this Security tmimmenl shalt be reduced by the amount of the proceeds mull1piled by the following fraction: (a) the lotel amain of the sums secured Immediately before the taking, divided by (b) the fair market value of the Property Immediately before the taklrpr,Arybx� , no shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property Immediem4y, fore the taking Is less than the amount of the sums secured immediately for the taking, unless Barawe and Lender oherwse spree in'41ng orAmless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the a mgaja than due. Unless Lender and Borrower othenise agree in writing, any application of proceeds to principal shall rat extend 6r port the due date of the monthly payments referred to in paragraphs I or charge the amount of such payments. .. 11. Borrower Not RaNssad, Forboarancis 8) smaNzatlon of the sums secured by this Soudy lot" rot"" the liability of the original Berrawer or Borrowers agdnsl any successor in Inlereel or rofwtt to extend Tina Instrument by rseeon of any demand made by the odi Extension of the time for payment or modification of a any smoessor In interest of Borrower shall not operate to Lender shall not be required to commence proceedings a madly amortization of the sumo secured by this Security successors in Interest. Any forbearance by Lender In oxwclain g any light or remedy shall not be 8 W81wer Of of 1)(0dl Weyl0,010, is, Corr any fight a femledy. 12. Successors and Assigns Bound; Joint and Bawral CI�,U111(y{ o•Sipnan, The covananls and agreements of this Soudry Instrument shall bird and benefit the successors and assigns of Lonb4r and P11 yr8r, szz4t to the Provisions of paragraph 17, Borrowers covewnte and agreements shall )Wgtgherel. Any Borrower who co-sign this Secunry Instrument but does not execute the Note; (a) Is co-egning Ible Security iie)rdranl y to rnortgage, grant and convey that Borrowors interest In the Prop" fader Ind lerms of this Security Instrument; Ile) le not pereomlly kihl� t fo pay the sums soured by This Security Instrument; and (c) agrees that lender and any giver Borrower may agree to extend, modily�,! J r make any accommodations with regard to the terms of Bee Securly, imlrumern or the Note wtlloul that Sorrowee$ cadent. -� 13. Leer Charges. if the ban secured by this Security instrument is s'u,beLlAb 'Ls which sots maximum loan charges, and that law Is finally interpreted so Lot the Interest or other ken charges collected or to be co 10-t)}nton action with the loan exceed the permitted limits, den: (a) any such ban reduced charge shell be by the amount re eassary to roduce the charg o the pormilled limit; and (let any sums already collected from Borrower which exceeded permitted limits will be refunded to Barawer, 'L@ik16 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 roduces principal, the reduction will be treated as a partial prepayment wl0aul any prepayment charge under the vice. 14. NMkaa, Any notice to Borrower provided for In this Security Instrument shall 60 Ivgri Beth ering it or by mailing It by first class mall tadess applicable taw fequlrad use of another method. The notice shall be directed tot P[ Address or any other address Borrower dersgviese by notice to Lender. Any notice to Lender shall be given to Borrower or!.ender hen p von as provided In this paragraph. 1 S. Ooverrdng Law; Saveramplty. This Secumy instrument shell be govemed by federal wA, _,the taw of the jurisdiction in which Be Properly Is ecoled. In Los event that any provision or clause of [his Security Instrument or Iva Nolte II Is, Ilh applicable law, such conflict shall not afed otter provisions of thle Security Imtrsmont a the Note which can be lit van allolyAMuli convicting provision. To this end the provisions of this Secudly instrument and the Note are declared to be severable. 16, se rrower s Copy. Borrower shall be given ore conformed copy of the Note and of this Security lot mant. 17. Tr sr ii of No Property or a Booklet Interest In Borrovnr. If all or any part of the ProporlyorahySiiterest in it is sold or Irenslened (or If a beneficial Interest In Borrower is sod or transferred and Borrower le not a natural person) without Lenders prior written consent, Lender may, at Ba option, require Immediate payment In full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender V exercise Is prohibited by federal law as of the date of this Security Inslrumenl, If Lender exerdsed this oplbn, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the dale the notice is, delivered or malled within which Borrower must pay all sums secured by this Security Instrument. II Borrower falls to pay Uwe sumo prior to the expiration of this period, Lender may Invoke any remedles permitted by (hi Security Instrument without further notice or demand on Borrower. is. BGnwwes Right to Reinstate. If Borrower mvels certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discominued at any time prior to the sadler of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Properly pursuant to any paver of sale contained in this Security Instrument; or (b) entry of a judgment enforcing We Security instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under (his Security Instrument and the Note as If no accelerallon had occurred; (b) cures and default of any other covenants or agreements; (c) pays an expenses Incurred In enforcing this Security Inslrumenl, Including, but net limited to. reasonable altomey's fees; and (it) lakes such action as Lender may reasonably require to seams that the lien of this Security Instrument, Lenders rights In the Property and Borrower's obligation, to pay the sums secured by this Security Instrument shall coatings unchanged. Upon reimlalement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as, B not sco areilon had occurred. However, this right to reimlate shall not apply In the case of seceieration under paragraph 17. is, Bait of Note; Chang* of Loon B*rvlcer. The Note or a partial interest In the Note (together with this Security Instrument) may be soil ore or more times without prior no]be to Borrower. A sale may result In a change in the entity (known as the "Loan Sorvicer) that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servitor uvaimad to a "is of the Note. II Here is, a change of the Loon Servicer, Borrower will be given written notice of the change in accordance with paragraph to and applicable law. The notice will elate the name and address of the new Loan Service, and the address to which payments should be made. The notice will also contaln any other Information required by applicable law. 1 4 p(� 1 t717f' 20. Hazardous SubaNrresa. Borrower shall not cause or permit the presence, we, disposal storageOR:, atfojsa ofany ♦�3kdrdous��� Substances on or In the Property. Borrower shall not do, nor allow anyone also to do, anything affecting the Property that is In violation of any Environnrentsl Law. The preceding two sentences shall not apply to the presence, use, or Storage on the Properly of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shell promptly give Lender written notice for any Investigation, claim, demand, lawsuit or other action by any governmental of regulatory agency or private party involving the Properly and any Hazardous Substance or Environmental Law of which Bran"or has actual knowledge. If Borrower leame, "Is mitred by any governmental or regulatory authority, that any removal or other remedialki n of any Hazardous Substance affecting the Property is necessary. Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As wad In this paragraph 20, "Hazardous Substances' are these substances defined as toxic or hazardous substances by Environmental Law and the loliowdng subSNlrcea: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile Solvents, materials containing eebestos or formaldehyde, and radioactive materials. As wed In INS paragraph 20,'Emdrwmental Law' means federal laws and laws of the jurisdiction where the Property is located that not to health, safety or environmental pnolecilon. 211. Accsisration; RenrsdNs. Landor $hall give notice to Borrower prior to acceleration fatlowi g Borrower's breach of any covenant or agreement in this Security instrument (but not pilot to acceleration under paragraph 17 unless applicable law provides othorwlse). The notice shall specify: (a) the default: (b) the action required to cure the default: (c) a dole, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) (hat failure to cure the default on or before the data specified in the notice may result in acceleration of the sums secured by this Security Instrument, foreclosure by Judicial proceedhg and sale of the Property. The notice shall further Inform Borrower of the right to reinstate after acceleration and The right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice, Lendor, at Its option, may require Immediate payment In full of all sums assured by this Security Instrument without ludher demand and may foreclose this Security Inslrumaptyy judicial Proceeding. Lender shall be entitled to collect all expenses Incurred In pursuing the remedies provided In this paragraph's} rich tp' but not limited to, reasonable attorneys fees and costs of the title evidence. 21. R4Naee. Upoltpay nl of all sums Secured by this Security Inslmmenl, Lender Shalt release this Security Instrument, without charge, to Borrower. 8arowe7%ftieI a y recordation costs, 23. ARomleye Pass. ( , oci I ,Fits Security Instrument and the Note. 'attormys' fees'shall Include any attorneys' foes awarded by an appellate cart. F i q 24. Rldsm to this lscudty, trial 7u 'int. If one a more riders are executed by Borrower and recorded logelhet with (his Security NNebl Bi Instrument, the covenants and sgreemach such rider shall be Incorporated Into and shall amend and supplement the covenants and agreements of this Security Instrument gs It the ride( ) were a pan of this Security Instrument. (Check Applicable Box) Adjustable Rate Rider D F46M I! vamenl Rider Condominium Rider Graduated Payment Rider y Rider❑ Second Home Ritlo( ❑ Balloon Rider U Biweekly Ai n— Ida, ❑ Planned Unit Development Rider o Olherls) (specify SIGNING BELOW, Bert no accepts end agrees to the loon �a}dgvImams, contained in this Security Instrument and in any riders) executed by 00(to er and recorded with It, } Signed, seated and delivered In the presence of: wllneeaNt: �-� /.�"l 3dg np, BotrR r„ a Dorothy IS ley Signature: LQ.ctren :T 8rnrn4 WHnoss#2: I Slgnatur• Co-8 orrow,-r Signature: >� Address: 501ji rya °aTrood Dr, lmnokalea, Fl STATE OF FLORIDA COUNTY OF/� _�[yL/ i hereby codify that on this day, before me, an officer duty authorized in the stale aforesaid,dFMyhylha county aforesaid to take acknowledgements, personally appeared Dorothy May to me known to be the person(&) describddAft and wro okeculad the forages" Instrument and acknowledged before me that (He/ she/ they) executed the same fa the purpose therelh etipnas lo,) 7. WITNESS my hand and offldal out in the County and Slate efur ki (his A asp - L day of )Y�n , . 1 _ 20C_. My Commission Expires: (Seal) KUENIBEARb MYMMIMION.01l .xti Ekaas IMi,,axY Fla uworE C File#: 01-012 hat 401001V lilt; 160V ru; 0A =IN i MU M40" fs 0=0 a tM 01"Ciu now of wwa offl, n 00 111fM,N mu gnlVs nr:tnMl at #1: M "tin 1, M, cm Min in"A AV"; All Isar 1111C HIM 1110 "no W-,11 $2.54 SECOND MORTGAGE THIS SECOND MORTGAGE ('Security Instrument') Is given on August 22, 2001. The Second Mortgagor Is Vern Henderson ('Borower'). This Security instrument is given to_ Collier County l'Lendor'y, which is organized and existing under the laws of the United States of America, and whose address Is 3050 North horseshoe Drive Suite 145, Naples, Florida 34104. Borrowerowes Lenderthesumof FLEtaan Thousand dollars (U.S.S 1l,000,00). This, debt Is evidenced by Borrowers Note dated the same date as this Security Insintmenl ("Second Mortgage'), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on male of property, rofinanaa, or logo of hassiftead asasiptlon. This Saturity ineWnlonl secures to 1.ender.(a)therepay*rrentdthedeblevklencedbytha Nae,vith Interest, ale all renewals, extensions and modifications; (b) the payment of all other sumo, %fill Interest advanced under paragraph 7 to project rile ascudty, of the Security Instumenl; and (a) the performance of Borrowers covenants and agreements under this Security Instrument and the Note. For mis purpose, Borrower does hereby second mortgage, grant and convoy to Lender the following described propenylocaladln Collier County.Florda. More pandoularly direcilgaa a The South 50 feat, of the End 201.0a fast, of me West es1.0a feat, of His Nora, 2ee.e reel, of Nro SWIM, of the 8E114' JfMh §Will, of Section 3, Township 47 South, Range 2e East In CoIIW County, Florida. ('Property AdtlreBs'): TOGETHER W ITH all the royalties, mineral, oil and gas rights Instrument shall also cover all triple BORROWER COVENAN and convey the Property and that It judadlciftn to constitute a uniform security Inslr, UNIFORM COVENANTS. Borrowera 1. Payment of Principle and Interest and Interest on the debt svldamod by the Note. 2, Taxes. The Mortgagor will pay all is thereon. The Mortgagor shall pay or cause to be any kind whatsoever which may at any inner be I n or Weather erected on the property, and all easements, rights, appurtenances, reds, rights and stock and fill fixtures now a nereaftera pan of the property. The Security Ilona. All of the foregoing is referred to In this Security ins W man; as the'Property' s lawfully seized of the estate hereby conveyed and has the right to morgage, Want icumbered, except for encumbrances of record. Borrower warrants and will delend d. mands,subject to any encumbrances of record. 'MMelting covenants for national use and nonuniform covenants with Imded variation by eting real property. rid r\C eventual and agree as follows: kaY. e', LatisChargaa. Harrower shall prornptlypaywhen due the Principle of 3. Appikstionol PaymmU. Unleasspplrak Interest des; and, to Principle due; and leek to any late ( 4. Charges; Liene. Borrower shall pay all taxi may attain priority over Ihls Socally Instrument, and loss all haloes of amounts to be paid under this paragraph, i Borrower shell promptly discharge any lien whF Me payment of the obligation secured by the lien In a ma enlorcamenl of the lien In, legal proceedings which In the the holder of the lien an agroenionl satisfactory to Lende pad of the Property is subject to a lien, which may attain p r fonts or water rates prior ro ft accrual of anyper afles or Interest lively become due, (A)(t) all tows and governmental on of or with respect to the Property, (2) all utility and other since, we, occupancy. upkeep and lmprovemenl of the ly be paid In installments over a period of years, the I Installments as we requited tobepalo during the term ad to Mortgagee evidence of such payment. applied; fat. to and Impositions attributable to the Property, which ,,If any. Borrower a hall monody fumish to Lender l ns. In Irumanl unless Bofmower:laleaesehwntirgro the lien. Borrower shall satisfy the lien or lake one or more of the actions set forth above Wilt e. Muares or Properly Insurance. Borrower shall keep the Improvements now e Insured against loss by fire, hazards Included Within the term'extended coverage' and any otl whim Lender requires Insurance. This insurance shall be maintained In the amounts and Insuance cattle( providing the Insurance shall be chosen by Borrower subject to Lenders withheld. It Borrower falls to meintaln coverage described above, Lander may, at Lenders clot In the Property In accordance with paragraph 7. At as time that the Note Is outstanding, the Mc to the Premless against ouch risks and for ouch amounts as are customarily Insured against an all premiums In respect therelo, Including, but not limited to, all -did: Insurance protecting IN against lose a damage to the Premises by lire, lightning, and other casualties customary In On earower a notice dantiying of the giving o1 notice, ereaner erected on the Property requires. The I unreasonably appropriate), Win a uniform standard extended coverage endorsement. Including estate removal cow sirs Swb insurance al ell amaa lobe In an amount not lees then the full replacement cost of the Promisee, exclusive of footings and foundations. All Insurance policies and renewals shalt be acceptable to Lender and shall Include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shell prompllyglve to Lender all receipts of paid premWms and renewal notices, In me eventol bee, Harrower shall give prompt mllco to the Insurance carder and Lender. Lender may make proof of loss if not made promptly by Borrower. Union Lender and Borrower otherwise agree In writing, Insuramo proceeds shall be applied to restoration or repair of the Property damaged n the restoration or repair is economically feasible and Lenders security Is not lessened, It the restoration a repair Is not economically feasible a Lenders warilywould be lessened, the Insurance proceeds shall be applied to the sums secured by the Security ISburMnk whether or not then due, with any excess paid to Borrower. If Borrower abandon& the Property, a does not answer within 30 days a notice from Lender that the insurance carrier has offered to sense a claim, then Lender may collect Me Insurance proceeds. lender Myles* the proceeds to repair or restore the Properyor to Pay aurae secured by this Security lnelrumenl, whetheror not Own Ow. The3o• day period Will begin when the notice Is mallod. Union Lender and Bar wet ofhendae agree In willing, any application of proceeds to Principle shelf not exleM or postpone the due date of the monthly payments referred to In paragraph t of change the amount of the payments. a under paragraph 21 the Property is acquired by Lender, Borrowers right to any Insurance policies and proceeds resulting from damage to the Propertyprior to the acquisition shall pane to Lender to the extent of the sums secured blithb Secu iyinabumant Immediately Prior to the acgitlMtlon. is Owupanoy, Pt#fm$Wn, Malnlef arras and Protection of tits Property; Borrower's Loan Application, Lessienoids. 8omower shell occupy, establish, and use the Property as Borromes Principle residence within slxtidays after the executioner this Security Isuumenl AM &ban continue to occupy the Property all Borrowers Principle residence for at least one year after the data of occupancy unless Lander otherwise agrees In writing, which consent shag not be unreasonably withheld, a unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall rust destroy, damage or Impair the Property, allows the Property to deteriorate, or commit waste on fire Property. Borrower shall be in dolaun If any forlellure action or proceeding, whether civil or criminal, Is begun that In Lenders good Isnh judgment could result in lorfeilure of the Property or otherwise matedaly Impair the lien created by this Security 1 .. ad.w OR: 2880 PG: 2525 roar o Property or other materiel impairment of the lien created by this Security Instrument or Lenders security lnlerest. Bonawer shall also be In default It Borrower, during the loan application process, gave matedaliy louse or Inaccurate information or statements to Lender (or failed to provide Lender with any matonet Inlomiallon) In connection with the loan evidenced by the Note, lec9Nerg, but not smiled to, representations conceming Borowers mouponcyul the Property as a principal residence. If his Security Instrument is on leasehold, Borrower shall comply wllh all rite provlelOn of the lease. II Borrower acquires tee title to the Progeny. the Ioasehold and the lee title shall not merge unless Lender agrees to the merger In wiling, T, Protsotlon of Lender'$ Rights in the Property, II Borrower falls to perform the covenants and agreements contained in this Security Instrument, or there Is a legal proceeding that may significantly affect Lenders rights in the Property (such as a proceeding In bankruptcy, probate, for condemnation of lodeflure or to enforce laws Or reguiallons), than Lender may do and Pay for whatever U necessary to protect the value of the Property and Lenders fights In the Properly. Lender's actions may include paying any sums secured by a lien, which has priority over this Security Instrument. appearing In scud, paying reasonable attorneys' foos and entering on the Property to make ropalre. Although Lender may take action under [his paragraph 7, Lender does not have to do so. Any amounts disbursed by lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other forms of payment. these amounts shall bear interest from the date of disbursement at the Note rake and shall Da payable, with interest, upon notice from Lendor to Borrower raquesling payment. S. Mortgage Insurance. It Lender required mortgage Insurance as a condition of making the loan secured by this Secunty Instrument, Borrower shall pay the premiums required to maintain the mortgage insumece in eaied. 11. Or any reason, the mortgage Insurance coverage required by Lender lapses or ceases to be in effect, Sonowor 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. Irom an alternate menage insurer approved by Lender. It subslantially equivalent mortgage Insurance coverage is not ovgllable, Borrower shall pnyto lender each=full a sum equal to onedwelllh of the yeadymongage Insurance prerMum belnp paid byl3oirper when the Insurance coverage lapsetl or ceased to be In ollect. Lender willaaepl. use antl relaln these payments ea a loos r@sec , q!, ire of modgage Insurance. loss $serve Daymenls may no longerba required, at Ina opllon of lender, if rredgege Insurance cage (IR the amount antl for rho period Ihel Lender roquhes) provided by en Insurer apDroVed by Lerxler again becomes available and ls,pb,a(n Tsarowersheil pay the premiumsrequtredtomalniain rnorlgagelnsuwrceineiea.aloprovWeaIm reserve, unlll the raqulrarrw;ntor no Qaga Insurnce ends m accordance with any wvitten agreement between Borrower antl Lentlar or applkeDle lOw. �'�� g. IN)seotbn. Lentle ar ITs Qen tiorrowar notice ei the lino al or pnbr o°eg�n 10. Condsmnetbn. Tl(e procea condemnailonorolherlekinpof anypart of thf Lender. In the event of a total iaking ol)be pp or not Uwn due, wllh any excess geld d`fso Property Imnedieleiy before the Ig Is e belNelse leWrg, unless Borrower end Lon the amount of the proceeds mufitplled by Iha partial taking of the Properly In which the L secured lmrnodlately for iha lekinp, unleat proceeds shall be applied to the sums s, Borrower otherwise agree In vrtiting, any payments referred to In paragraphs 1 Or( make reasonable entries upon end Inspecllons of the Property. Lender shall give m specifying roasonabla cause for the Inspection. any award or claim fur damages, direct or consequenlle4 In connection wlih any arty, or for conveyaece in Iles of coMermadon, era hereby assigned end sheeba padat Iha Draceeda shell De applied to the sums secured by Ih)s SecunrylnsWmanL whahN th the event of a mental leking ul the Properly, In which he deb mnrkel value of the greater Than theamounlofthesumssecuredti IhlsSecudryinstrumentImmedfetely "on" eon ng, Iha sums secured by This Security Insirumen! shall be redoed by ng.l O6ttian: (a) the total amaunl of the sums secured Immediate before the leklrI gptodlelqly before the taking. Any the shall be paid to Borrower. In the evenlol s vQlue.,pPIti Progenylnlmetllelory before the laklnpkless then the arnounldthe aurin ead(r���dq`dgs,oI Wse spree Inwilling orunless applkable law oflown provkles, the Ihi9`$ec4rllyl(�abument whether a not the sums ere then due. Unless lender antl n ol:tirdi ai U principal shall not extend or poslpono the due date d the nanlhiy release the liability of the original Borroweror BaroW S eucceS)on against any wcce or in interest or ref use to Ostend time for paymeni Instrument by reason of any demand made by the original BOmrow'e1 exercising any right or remedy shall not be a waiver of or preclude it ig. Sraeuwsore, rid Aselgns Bound; Joint and Bowel Instrument $hall blrld and benefit the successors and assigns of Lend covenants and agreements shall be joint and several. Any Borrower I is corogning this Security Inalrumunt only to modgago, grant and a Security Inetmrnenl: (b) Is not os rsomelly obligated to pay the sums sl Waiver. Extension of the time for payment N MOddicalen of rider to any successor In interest of Borrower shall net operate to lenest. Lender shall not be lectured to commence Procaedings successors in lnlerest. any right or remedy. o he Provisions of paragraph 17. Bon Inslmn som but does rtot execute he N nest In the Properly under the terms bumenl: and fill eatees that Lender a Note without that Borrowers consent. 4 _ - 13. Loan Charges. If the loan secured by this Secudry Instrument is subiec o a law which sets maximum loan charges, and that taw Is Ilnaltylnterpreled so that the Interest or ocher loan charges collected or to becollected Ipcogrlgctbnwih he loan Snead ere pams0ed imlrs,Own: (a) any Such loan charge Shall be reduced by he amount recess aryto roduce. qh to the permitted lknib and (b) any sums already contacted from Borrower which exceeded permitted limits will be refunded to Boa6wgf Render may choose to make his rotund by reducing the principal owed under the Note or by makings direct payment to Borrower. IiaielUtld'Algti as principal, the reduction will be treated as a partial prepayment without any prepaymen(charge under the Note. !_ `, .'I I %Nogm, Any notice to Remover pfoviM lot In this Security Instrument shall be piwgn b,9dellillep it orbymailingltbyflrst class mail unless applicable law required use of another method. The notice shall be directed to IN Pf fry j;'assor any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower N L " r 4 A'glven as provided In his paragraph, 1a, Governing Lawn SoverebliBy. Federal law and the law of the jurisdiction in which the PreaerNl�)q�ated Shall govern this Security instfvmenl. In the event that any provision or clause of this Securay, Instrument a the Note coNilEEa with applicable law, such conduct shall not affect other provisions of this Security instrument or the Note which can be given effect without the conflicting provision. To this and the provbbne of this Security Instrument and he Note are declared to be severable. IS. Borrower's Copy. Borrower shall be given one conformed copy of the Nola and of this Security Instrument, 17. Transfer of Bla Property or a Beneficial Interest In Borrower. if all or any pan of the Property or any interest in It is sold or transferred (or It a beneficial Interest In Borrower Is sold or transferred and Borrower Is not a natural person) without Lenders prior mitten consent, Lender may, a111s opllun, require Immolate payment in full of all sums secured bythls Sacuntytnsuurnent. However, Larder shall not exercise this option If federal law as of the dale of this Secudry Instrument prohibits exercise. If Lender exercised this option, Lender shall give Borrower notice of acceleration, The police shall provide a period of not less than Se days from he date the notice is delivered or mailed within which Borrower must payall sums secured bythls Security instrument If Befrow fella to pay the" wins prior to the expiration of this period, Lender may Invoke any remedies pormldedbylhis Security Instrument Wthoullurther notice N demand on Borrower. fa. eornoweers Right to Reinstate. If Borrower meets certain meldons, Borrower shall have the dot to he" enforcement of into Security Insbumenl discontinued at any lime pia to the earlier ol; (a) 6 days (or such other period as applicable law may speclly for reinetetemsnp before sate aline Property pureuam to any Poway of sale contained in this Security InaWmeni; or (b) entry of a cod nit enloming this Security lnalrumenl. Those conditions are that Borrower,(a) pays Larder all sums which than w Wbe due under this Security Insbummnl and the Note all If no acceleration had occurred; (b) was and default of any other covenants or agreements; (c) pays all expenses Incurred in enforcing this Security Inalrumenu, Including, but not limited to, reasonable aaomeys fees; and (d) lakes such action as Lender my reasonably require to assure that the Ilan of this Security Instrument, Londi rights in the Property and Bonowers obligation to pay the sums muted by this Security Inalrumenl Shall continue unchanged. Upon roinsleloment by eomower, this 5ecurity Instrument and he obligations Secured herebyshall remain lullyelleclive as II no eccelandion had occurred. However, this right to reinstate shall not apply In the case of oleradon under paragraph 17. ..,.md.w *** OR: 2880 PG: 2526 *** Boas o 19. Seel of Note; Change of Loan Servlcer. The Note or padlal interest In the Note (IooetlgrvMh OksSScurlylnshUnteM)may be sold one or more time without prior notice to Borrower. Asale may result In a change In the anelity(own Me on Loan )) that that collect$ monthly payments duo under the Note and this Security Inshurnm. Thrv^^ ^^^� unrelated to a Sale of the Note. It there is a change of the Loan Servcer, Borrow with paragraph 14 and applicable law. The notice will State the name and ad( paymenre should be made. The nonce will also contain any other informalonr 20. HesarduUS Substances, Borrower Shall not cause or Permit Hazardous Substances on or In the Property. Borrower shall not do, her Allow s violation of any Environmental Law. The preceding two sentences shall not Silo QUantitiea of Hazardous Substances that are 0nemfly recognized to be ePPMIJ Property. Borrower shall promptly give Lender written notice for any Investigation, claim. regulatory agency private party Involving the Property and any Hazardous But and the address to which culled by applicable law, he presence, one, disposal, atwage, or release of any lyona else to du, anything affecting the Property that is In Ito the PIOSOMe, use, Of Storage on the Property of smell late to normal resklanual uses and to malnnenence of the demand, lawaull a offer Scion by any govemmenlat or stance or Environmental Law of which Bw'or has actual f knowledge. II Borrower learns, or Is Milled by any governmental or regulatory authority, that any removal Or other remediahon o any Hazardous Substance affecting the Property ie necessary, Borrower Shall promptly take all necessary larrodal schema in eccordenco with Envaonmenlat Law. As used In this paragraph 20, 'Hazardous Substances' ere those substancos defined as toxic a hazardous subSlances by Environmental Law and rite following subshan es: gasoline. kerosene, other flammable or toxic Petroleum products, todc pesocfas andhetbicides. vote* uevanbrm . materiels conlairmolasbeslos or loeldehyde. and radioactive materials. As used In this paragraph 20,'Envlroomenlal Lew' 21. or may resull In a" The notice shall in the notice. of the ugh evidence. 22. Releaes. Upon Pa charge, to Sonow'er. Borrowers 23. Atlerneye'Fese. by on appellate court. 24. Rlrlors to thlSSac Instrurnent, he covenants and at agreements of this Security Inalf ❑ Adjustable Rate Rider El Graduated Payment Rider El Baleen Rider ❑ 0"(8)(specify Lender shall give A Instrument (but not Is default; (b) the actl is delau0 most be ct ,%soots secured by borrower of the rig oranyolherdelense must,'41 Its option, f the n 11 U Is located that relate to heafM, Salary a enwronmemul protection. to Borrower prior to acceleration following Borrowers breach of any to Scceleralon under paragraph 17 unkesa sppbcebte pro law vides culled to cure the damuh; (0) a date, not Jew Man 30deys from the dab and (d) that failure to cure the default on or belore the date specified In .„„+Itu In.tnimnnt. Inrenla6tlre by kRgclal proceeding Arid Sets 01 the after acceleration and the fight to assert In he (oreabSure acceleration and foreclosure. II Me deISUR IS notcuredona mediste payment In full of all sums Secured by this Security t by judicial proceeding. Lender Shall be entitled to coAW Gil ;luding, but not limited to, reasonable abo"Wa has endooets Secumy Inslmmenl, Lender shall fekrase this Security Imburnenl, wnfcut SIGNING BELOW, Borrower accepts and agrees to the terms and executed by Borrower and recorded with a. Signed, sealed and delivered Inthe Pfeserce of: Witness 8IQrm1ure:.Z4/Z�z/L[ 1 --- Witness Print Witness Slpnature: rx r WIMaNPdntName:_ L-ULLLe.ft I :c I, _ Address: STATE OF - Florida -COUNTY OF_Coilbr.___ myaAomeys' has awarded nsuumenl. (Chock Applicable Box) Rider lJ Cagomi slum RWer ❑ Second Home Rider Ridarl LJ Planned Unit Development Rider talned In this Security Instrument one In any rider(s) I hereby canny that on this day, before me, an officer duly authorized In the stale aforesaid Ittr- ' i a. Owaer to lake ocknowNdgemonts. Personally appeared Vern St"arson to me known to be the parson(s) described in and who executed he foregong Imtmmenl and acknowledged before mo that HE/ SHE/ THEY executed the Same for the pufpose therein expressed. Cos tic' WITNESS my hand and ollblal seal In the County and Slate aforesaid (hill 22,2001. My Commission Ekplres: Ylary Pubilo'SS ne t Notary'a Printed Name (SEAL) I IOaFNmARY LnAt UawR,I>NII.BEARD D MYMRSoOtt*j0"/ fVIRLS 3 • • 01t0 150.0 um 15ug ,0o .aaa , IOU: 2810643 OR; 2841 PG; 1121 DR"31 51,51 ipl 11COIDID in t11 ONICIAA AIC001 of C04LIII C00AT7, R zI11101IICl/N111110i DI 01/13/I101 at 0T:i6AN p11017 1, IIOCI, CUR uny 11A!! ENCOND MORTOAOS THIS SECOND MORTGAGE (•Secudly Instrument') is given on May 18, 2001, The Second Mortgagor IS: Adieus Benches, Jr. a April Iff"Ohe■ ('Bomower). This Security Instrument is given to Collier County ('Lender'), which is xgenlzed and existing under the lava of the United States of America, and whoseaddresab 3050 North Horseshoe Drive s145, Naples, Florida 34104 . Bonowerowdslandarthesumol tiftsen slsousead dollars (U.B.f 15, 000.00). This, debt is eviderhad by Borrowers Note dated the arms date as this Security Instrument ('Second Mort"'). "on pmVOm I«momfypa rnVtO. with the full debt, Il not paid earlier, due and payable on sale of PrOD6tY EO 12-091 or loss of hoeerst"d enseotion, This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note. with Interest, and all renewals, manelom and modifications; (b) the payment of all other sums, with Interest adenoedu«fer paragraph 7 to protskA "Ill secudty01 the Security Instrument; and (0) the pedomtsltce of Borrovrefs covenants and affloments untler this sewrhy Insbument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described Property located in Collier CoutItY Florids �.. More ftuladydeli :COMMENCING ATACO46S.RA GE ME. TA LAHASSEE THE MERO CORNER OFTHE NY/l9FTHE NWY/1 OP THE 8W1/10 HF�NWil10F SECTION I2,TIse, RANGE aOE,TALLAHAeBEE MERIDIAN COLLIERCWNTV. FIORIOA And which her the addle se olC ('Property Address*); -11' Dupree Rd TOGETHER WITH all the lmproV'*6now of nareaNe(orecledw the property, and an eaeemmul ngnm. appumnumonIoenu. ;,plus,, mlrarai, oll and gas rlphh eMtpzl«fights and stock andall lUdures now« hereaher a part of the property. The Security fnalrummnt shell also COerell rePllrCemendditions. All of the fol9going15referred to In this Security Instrument a a the'Propemj. BORROWERCOVENANTS thaterIs, awl ully seized of the estate hereby conveyed and has the right to mortgage. grant and convey the Property and that the Property lard red. except for encumbrances of record. Borrower warrants and wh defend generally the Ube to the Property against all clefend` gentle, subject t0 any encumbrances of record. THIS SECURITY INSTRUMENT combine. a`Yn �!r odwanh for national use and nao-unNormcavanente with IimitedvarWtlon by )udsdkiion to conelllule a uniform security lneWmen Co, tlgreal property. UNIFORM COVENANTS. Sonower«Id(.eKa( v¢ and and agree as follows: 1. Payment of Principal and Interest; Prajfa III Lotocherg". Borrower shall promptlypaywhen due the principal of and Interest on the debt evidenced by the Note. 2 Times. The Mortgagor WIl PaYallt"08,asastb.� 'ether rents Of walerrates prlortotln ewrualoi anypenaitloeorintor"t tltereon TheMortgagor shall pay or courts to be Pal es the mar Ively become due.(N(1) all taxes and governmental chargeM e any kind wMboaer which may al any Ilene M lewlulty eaeesaad r�lpvl golnal «with respect to the Property, (2) all utility and oNaf cilsigss,Iwludtg'wMcecharpes',Incurtad orinpaad l«Iheoeeye, n;, Intonance,use. occupancy, upkeep and Improvement of the Properly, and (d) ell assesantenls «other goemmen$I charg��Y(`ioI m"A ully be paid in Installments over a period of years, the MMpagor OhaIIMobilpaled under Nte Mortgage to payorceuae to be.pt+id 4h 7h kutsllmants as are required lobe paid during the farm d via horridtie, and shell, Promptly attar the payment of any of Ins I«esggop�(ng,16I rd to Mortgages evidence of such payment. I. APplbalbnol Paymerth. Unbae applloeb$lewprOvldesolheiSNsa att yrwtorsceNodM'LenderMWlboePPkd;Nrsl,to Nt«eat duo; and, to pdnclpal due; end legit, to any Iota charges due under` No 1. Cltarpa; LNns. Borrower shall paysll taxes, aeeeaeMonte. charpp9s88,I1indsbnd Impoehlons attrUtable to Ins Property which may etWn pdary over Nis Security lneWmenl, arM huehold payments or grouAd�1'gnfir i�weny. Botrowar shell promptly furnish to Lender all wtices of amounts to be Dab under this parepreph, and ell receipts evidenc(iM0 pe is.. Borrower shell prompttydlbcherpe enYllen which her priority overlh$3eckd I mere L"M Borrowvec(a) agrees In writing to tits payment of Uwe obilpeibn secured by the Ilan In a manner eaepleble to Lentler; (b) contests In,good faith tlw Pon by, «defend$ against enlorcerrlenl of the Ion in.lepal proceedings xh$h in the Lender's opinlon operate to prevaNitte e/der"nienlol the Ilan; «(c) secures from the folder of the Mn an agreement UDSI Glory to Lender subadlnalinglheilento NIs Sid, del merit. It lender determines bud any part of the Property to sub)ecl to Ilan. which may aMln pdodtyover Ne Security lnetrumeIII "ma plus Borrower a notice Identifying the non. Borrower shall "holy the Ilan or take one «more of the so no eel forth above within.��lids of the glvig of nolke. 0. HaTard or Property Insurmos. Borrower shall keep the Improvements now eny o< lleeher erected on the Property Insured against loss by fire, hazards Included within the lam 'axis ndad"Vera ge'and anyoNer ds.t Wring tiwds« hooding, for which Lender requires Insurance. This Insurance Shell be malntafnetl In the amounts aM Ice the vial lender requires. The Insurance carder provWlrg the Insurance shall be chosen by Bomowersub)echo Lender B epProvN M_elJ. pe unreaeona6lywithheld. Borrow Borrofells to maintain wverage descdbed above. Lender may, at Lenders opll ottaln overage to, act Lenders rights In the Properlyinaccordancewithparograph7. AIalitimaa Mat the Nola leoulslanding,the Morlpag«sneU rrlain$ktNlQir nSewith reapaci to the Primness a nal such risks and for such amounts as am cuslomadry lnsuretl against and psy, as the "rrptiacome due and payabW all 1—nAlnn. Mdmremitadto.eI.dek Insurance prolecungthe Inleres$ of the Mbrlgagorancl Mort0e9ea against with aunNeml standard stranded Coverage(MOKSemen6 Mul." e^r^w,mw.m w.n,wyo. �.................. _. _......__.. __.__. _.__._ not Is" than the lull replacement coat of the premises, exclusive of footings and loundaeonn. All insurance po"a and renewals shall be acceptable to Lender SM spa include a standard mortgagechuea. Lender shall have the dght to bold the policies and renewals. N Lander requires, Borrower shall promptly give to Lender all receipts o1 gem premiums and renowalnotkee. In tyre event of toes, Borrower shalt give prompt nolice to the Insurance canter and Lender. Lendarrnaymekeproofofluset If not made prompily by Borrower. Unless Lender and Borrower otherwise agree In writing, Insurance proceeds shall be applied to restoration «repair of the Prop" damaged, it the restoration or repair 16 6conorN"Ily 1611sible and Lenders seoudly is not lessened. If the restoration or repair is not oconom$a1N feasible or lenders secudly would be teemed, the Insurance proceeds shall be appil6d to the sums secured bythe Security instrument, whether Or not then due, with any excess paid to Borrower. It Borrower abandons the Property, «does not answer within 00 deyba noUco from Letberihal thelneurance cerderhaeoNerod to sehieacteim.IMnLendarmaywlhclthelnsurancoprocoeds. Lender may use the proeeatl6lo repair or restore the Properly or to pay some assured by this Security instrument, whether «not then dub. TM 30. day Period will bagln when the nolloe $melted. Unhse Lender and Borrower otherwise agree In writing. any application of proceeds to prirwWei e1M11 not externs or poelpona 1M due date o11M monthly payments ralerned to in paragraph t «change the amount of the I. Pe ole PrOpedyP 2Ne Bequ eha 1, paler to lendelting " r to pre extent of Neowees i to secured Iroes and �WmntImmmedukey prior o the ecquhllbn, d. Ooauparwy, Pnseretlon, Mektterwtw end Prolsaton of the Property; Borrower's Loan he execution f M Seczlds. e«roweraM4owrWY.ealebl$h,andusethePropertyeetonoweteprincipal resider"within ahrydays earshall ld executionoftlgeSec«N, IneW menl antl erull conUn" to occupy the Property es BonowerI a unreal rekowe I« er $set one year Wet Ins data s ances 0fa prose Lander otMrxtee sprees In vetting, which wneenl shell wl be unreasonably wiUgrekt or unless erla Property to etrcume$ncea MMI which giro beyond BomowefseonUol. Bo mowerahallerfir o ei to tIon rproc" in Prop,whatharchgy, allowor Pmps).is dents$.«carers waste on lM Propedy BwOwer ehsll be In delauhN enyfortelWre action«{)roceedinp, whether cNil«almMal,$begun thelin Lenders 1 40 OR: 2841 PG: 1122 .orW a good faith judgment could result in forfeiture of the Property or otherwise materially impalr the Ilea created by Nls Security Instrument or Lender's secur lylnlereel. Borrower=your@ such a default and reinstate, as provided In paragraph 16, bycausm g the action or OMOWM) to be dismissed with a luting that, In Lentlars good lalth determination. precludes forionno or the Borrowers Interest In the Pmporywother material Impairment of the Ilan created by this Socuritylnslmmenl or Lenders secudly Interest. Bonowershall also be in default I Borrower, during the ban application process, gave materially false or Inaccurate information w statements to Lender (or fall" to provide Lend irwith any material Information) in connection with the loan evidenced by the Note, mcludbp, but not limited to, representations concerning Bonowees occupancy of the Property as a principal residence. If this Security Inslmmenl Is on a leasehold, Borrower shall complywllh all the provision of the lease, It Borower acquires lee Into to the Property, the leasehold and the fee till* shall not merge unless Lander agrees to the merger In wrlung. 7. Protection of Lender's Bights in the Property. It Borrower falls to perform the covenants and agreements contained In this Security InsWmenl, or (hare Is a legal proceeding that may alOnllicantly al Lender's rights In the Property (such as a proceeding in bankruptcy, probate, lorcondemnation or forfeiture or to entorco laws or reguleOonS), then lender maydo and payforwhalevor is necessary to protect the value of the Property and Landers rights In the Property. Lenders aclloro may Include paying any sums secured by a lien which has priority over this Security Instrument, appearing In court, paying reasonable altorneys' lees and entering on ga Property to make repeal, Although Lender may take action under this paragraph 7, Lenderdoos not have to do 60. Any amounts disbursed by Lendorunder this paragraph 7 shall becomo addltlonal debt of Borrower secured byhls SecurityInstrument. Unless Borrower and Lender agree teethe( terms of payment, these amounts shall bearinterest from the date of disbursement at the Note rate and shall be payabb, with Interest, upon notice from Lender to Borrower requeellno payment. S. Mortgage insufamt. It Lender required mortgage Insurance as a condition of making the loan secured by this Security inslmnent Borrower shall D the premluma rsquired to maintain the martgage Insurance in effect. II, Ior any reason. the mortgage Insurance coverage required, y Lender tepees or ceases to be in eliecl, Borrower shall pay the premium required to obtain coverage eubstanilohy oelulvatspl.lnth ,mgdgage Insurance previously In ellecl, of a cost subelentialry equlvalenl to gre coal to Bortoww of Ure morigege Insurance Pt vlouel effect, from an eilernale mortgage insurer approved by Lender. II aubstsmlally equlvelanl malgape insurance coverage is net ,deblp mower shell pay to Lendereach monihaeum equal loons twellN of lha yaedy mortgage lnauranca premium being peld by Borr�wAe melnsureaec�v�rage lepaetl or ceased to be In effect. Lender will accept, use and retain these payments as a toes reserve n}leu'b11, gdpege Ineureuce. Loss reserve paylnente may no longer be required, al the option of lentler, 0 mortgage Insurance 'Over egell a $rtx1, nl end for the period that Lender requires) provkbd by an Insurer approved by Lender again becomeaveIMIO and 16 obtalnetl: Bd dls�rahell pay the premiums required to melnlaln matVepe Insuranceineffect,aloprwl*aaloss reserve, unlit the requirement lor'ipo gape Insurance ends In accordance with any written agreement between Borrower end Lender a applicable law. g. Inspection. Lender w Its agan,�. y make reasonable entries upon and Inspections of the Property. Lender shell give Borrower notice at the time of or prior lb`en the tton 6 10, Condirrim n, The grog of any andemnationorolherlaking oleny Dertelf Property, Lender. In the event of a total taking of the Propsrty�ae w not then due, with any excess pail fo Barrette,...{n'1 Property Immedlelely before the taking Is equal Its dL11I before the takhp, union Borrower and Lender oherwisy the amount of the proceeds multiplied by the following I divided by (b) the lair market value of the Property Imme parcel taking of the Property In which the lair market Yalu Secured Immedlelely for the taking, unless Borrower and proceeds shall be applied to the sums secured by this Borrower otherwise agree In writing, any application of payments refemed to in paragraphs 1 or change the am If. Ill Not Released, Forbearance amortimgon of the sums secured by this Secudy Inainm release the liability of the original Borromr or Borrower In connmew with any Ined and shall bepadd to taking of the Property, In which the fair market value of the Of the sums secured by this Sao" Inalmmenl Immediately sumo secured by this Security Instrument shell be reduced by amount of the sumo secured Immediately before the taking, Ing, Any balance shell be paid to Bormwet in the event of ledlately beloro the taking Is fees than the amount of the sums roe In wrihrg Or unless applicable law otherwise provides, he whether or not the sums are then due. Unless Lender and it shall not extend or postpone the due date of the monthy atvar. Extension of the time for payment or modification of It lb anyeucceaeor In Interest of Borrower shall notopmete b 4st:)lender shall not be required to commence preceadirgs v�Iee rj,'Wltyamwffzalla of the sums secured by lids Security Instrument by reason of any demand made by the original Borrower or BWf67Wqi'e's�ccesnora In Interest. Any lorbeemnce by Lender in exorcising any right w remedy shall not be a waiver of or preclude the oxer6ls4M any hl or remedy. 13, euooneoie and AS11911e Bound; Joint and Bevenl Liability!F The covenants and agreements of this Security Instrument shall bind and benefit the succe66ors and assigns of lender and Orowe , 84blect to the Provisions of paragraph 17. 8orrowere covenants and agreements"hell be piny @hd se ref. Any Wnd"'who co-signs this Security Instrument but does not execute the Note; (a) Is co $lgning this Security Instrumenl-on to mortgage, grant and convey there hat Borrowers Interest In the Property under the loans of this Secudy lnSlmmanklb) Is not parmnally obllgel l pay the sums aecurod bythis Security Instrument and (o) agrees that Lender and any other Bond may agree to extend, mgtll o er or make any eaommwklions with regard to the forms of this Security Instrument or the Note without last Bonowere cone" ` 13, Loan Charges. If the loan secured by this Socurily lneuumenl is subpct toeiawµn hgeI Merlin ksencharges, and that mole finally Interpreted eothat the Interest or other loan chwges collected or to be collected lnc¢q hiheban excaetlhe pertNaetl limits, then: (a) any such loan charge shall be roomed by the artount necessary to reduce the che; to pemuded llMl;and (b)mysums already collected from Borrower which exceaded permlttotl limits will be refunded to Borrower. Le m@ yG elo make lids rotund by reducing the principal owed under the Note or by making a ofrect payment to Borrower. II a refund redme�' , IpaL the reduction will be treated e$epartial preDeymonl without any prepayment charge under the Note. r 1$. Notices, Any notice to Borrower provided for In thle Security lnebument shall be given bydallvetl' 1l or by mailing it by first class mall unless applicable law required use of another method.The "We a hall W directed to the Property an, anyolhwoddoes Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or lender von es provided In this paragraph. 16.Bowrrlinp Law; ltheeventth. This Security Instrument shall Seguegoverned Instrument nstbment federal law and the law ofthe pris0icuoni, which the Propertyle Icceled. In the avant that any provision or clause of this Security In6W mend or the Note calllcla with applicable law, Such conflict $hall not affect other provisions of this Security Instrument or the Note which can be given effect without the contlicting provision. To this and the provisions of this Security Instrument and the Note are declared to be severable. IS. Sorrowees Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17.Transferofthe PropertywaBe dotal Int$netinBorrower, If alloranypanof the Propertywanylnlereslin It Issoldor transferred (or It a beneficial Interest In Borrower Is sold or transferred and Borrower is not a natural person) without Lenders prior wdhen consenl, Leader may, at Its option, require Immediate payment In lull of all sums secured by this Security Instrument. However, Lender shall not exercise this option If federal law as of the data of this Security Instrument prohibits exercise. It Lender exercised this option, Lendershall Vivo Borrower notice of acceleration. The nonce shall provide a period of not less than 30 days Iron the data the notice is delivered a malled within which Borrower must payall sumo secured by IhisSecudly Instrument ItBomowerfaiis to paytheas sums prior to the expiration of this pedoe, Lender may Invoke any remedies penmitted by this Securilylasbumerd WUW further roues, or domand on Borrower. 18. Borrowers Blght to Belnstabi. if Borrower meats certain conditions, Borrower shall have the right to have enforcement of this Securhy Instalment discontinued at any ume prior to the earlier of: (a) 6 days (or Such other period as, applicable law may speclty for reintlalenwnt) before Sale of the Property pursuant to any power of sale contained In his Security InsWmenl; w Of entry of a judgment enbrcinghle Securitylnelrumenl. Those conditions are that Bonower.(e) pays Lenderas burro which hen wowdbe due under this Socially Instrument and the Note as d no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument. Including, but not limited to, reason" attorneys lees; and (d) lakes such action as Londer may reasonably require to nsuro that the Ikn of this Security Instrument, Lenders rights in the Property and Borrowers obligation to pay the sums Secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Inelmment and the obligations secured hereby shell remain fully effective as If no acceleration had occurred. However, his right to reinstate shall rot apply in .] *** OR; 2841 PG; 1123 d e can of acceleration under paragraph 17. 1e. Safe of NOW; Change of LW Servicer, The Note or a partial Interest In the Note (togethar with ads Security Instrument)MYbe and one or mere dines without prior notice to Borrower. A sale may result In a change in the entry (known as the `Loan Seracer') that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer umaleled to a safe of dre Nole. If there Is a charge of the Loan Sorvicer, Borrower will be given written notice of the change In accordance with paragraph is and applicable law. The notice will stale the name and address of the new Loan Sorvder and the address to which payments should be made. The notice will also contain any other Information required by applicable law. 20. H u amdua Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances Morin the Property. Borrower shell not do, nor allow anyone else to do, anything affecting the Property that is In vlotation of any Environmental Lew. The preceding two sentences shall not apply to the presence, use, or alstorage on the Property of small qumnlllies of Hazardous Substances that are generally raognlzod lid no appropriate to normal reaidlenpei uses and to maintenance of the Property. Borrower shall promptly give Lender written notice lot any Investigation, claim, demand, lawsuit or other action by any governments] or .. .. ..__ __.....__...... c. . .,..... r,.,nr,.,.m. m.u..4w trh Rnnowwrhaseclual Is Hazardous Substance affecting the Property Is necessary, oo Environmental Law. As used In this paragraph 20,'Ha tardous Substances' ere Of Law and the following substances: gasoline, kerosene, others solvents, materiels containing i aboelos or formaldehyde. am redpoeclhre materials. AB ua9In Ihls paragraph 20,'Environr Is located that relate.t�B10V, "fely or envIA)MI Ilil proles 21. Arne,•. Afoddl.y(Anad)w Lender shell pWe covenant or agreement, (r h Security IneWment (but col otherwise). The notes shall sf.'01Y a) the dolault;(b) the ac the ngdcafepWen to Bono,'t�,`.'} by rythe default must be the not1ce may meth In A-cela(DJI6 0.1111! sums secured b) Property. The nodce shall further of of the if date specified in the ? other remeolatbn W any actions in accordance with substances delirred as toxic or hazardous substances Lew^ means federal laws and laws ofthepelodic on whore the Property to Borrower prior to acceleration following Borrowers breach of any to acceleration under paragraph 17 unless applicable law provides qulred to cure the default (c) adate, notfesaftn30daystrap Oredem and (d) that failure to cure the default on of before the date hailed In security, Instrument, foreclosure by Judicial p D(suidtng and sale of the reinstate after acceleration and the right to mall In the foreclosure arowerloacceleraWnandforecosure. ilBwdotauhlanotcurotl Ono? equite Immediate payment In lull of all sumo secured by 04 Security nstrumenibyludiclelpricoeding. Lender shall be entitled to collect all exlYen6ae lncurtetl in pursuing the re oIP! dad in this paragraph 21, Inducing, but not limited,re of the Idle evdonce. ' 22. Refene, Upon Pa)'rnenl ofitpeums soctired by this Security Instrument, Lender shall release this Security IMWr 1. without charge, to Bomowwr. Borrower shell pay any riceffdalld costs. 23, Attorneys' Fan. Ae used In thle S@Curify�nR,lmmem 1 by an appellee court 24, RWerstothleSecurityfnstruminfL.Ho' 9,1,rnpreril meWmanl, the covenants and agreements of each's' Q(�a In lit agreements of Mis Security Instrument as if the dder(a)l�ve�re, Pb{)t ❑ Adjustable Rate Rider ❑ Fiala':reV ❑ Graduated Payment Rider ❑ 1.4 Family ❑ Balloon Rider ❑ BlweaMY Pe' ❑ Other($)(specify ¢% SIGNING BELOW, Bonowlif accepts and agrees to the lemma an executed by Renewer and recorded Win 11. Signed, eased and delivered In the presence of: Wllneee 8pnalure:_��-��� JT/ --- Witness Pdnl Name;��r•r., T y3rr; -,�__ Wllons Signature: fy — -- WlmenPdnlName: MlPe�cl(�I�i Nole,'aflaneys' Ins'shall Mciuds any aaaneys' lees awarded a executed by Borrower and recorded together with this Secahy poraled Into and ahall amend and supplement the covenants and Security Instrument. (Check Applicable Box) Rider ❑ Condominium Rider ❑ Second Home Rider i p}der ❑ Planned Unit Dovelopment Rider Address: In this Security Instrument and In any rider(s) STATE OF_Florioa_ COUNTY OF --Collier I hereby certlty that on this day, before me, an officer duly authorized In the stale aforesaid end admewle gamems, personellyappeared Adam Srndhea, Jr, a April Saecher lomekiWmlobotheperson(s)doecribed In and who executed the foregoing Instrument and acknowfedped before me that HE/SHEITHEY executsd the lama for the Purpose therein expressed. WITNESS my hand and official sea) In the County and State aloresald this May Is, 2001. my Comml6elon Expires: _ ---------- . [- - — �� --- aryPublic's re Notary¢ Printed Name (SEAL) EARD 1� �L�IIMp dxeCVl) IiIAM1'NLUNJ 3 .=w�ed.ay . 2962662 OR: 3015 PG: 0880 IICOIDIO in 01PICI111 11COI00 of C011111 CON", IL 04/01/2002 it 10101111 DIIM 1, IIOCI, CBM roazr o OILO 15140.01 OILI 1500604 Ile Na 15.01 DOC•131 $2.54 SECOND MORTCOAOC Iota: lODI11O i 011A1 IYIIOy111It 1"111 Oertgagl&elpii�c�lt�l1,,a� THIS SECOND MORTGAGE ('Security Instrument') is given on April 3, 2002. The gThd MoA: Olivia Gonaalom ('Bonowor'). This Security Instrument is given to_ Collier County ('Lender'), which is organized and existing under the laws of the United Stales of Amorba, and whose address is 3050 North Horseshoe Drive 0275, Naples, Florida 34104. Borroveiroweeleodeftlwsumol Fifteen Thousand dollars (U.S.1116, OOO.00j.ThLs.Ceblto evidenced by Borrowers Note dated the Same dale as this Security Instrument('Second Mortgage'), which provides for rnomitypaynxi s, with the lull debt. If not paid earlier, due and payable on sale of property, refinanas, or loom of hcssStood exewtion. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the NOW, with Interest, and all renewals, extensions and modi icalions; (b) the payment of all other sumo, with Interest advanced under paragraph 7 to protect the security of the SocudtyInetrumenh and (c) the performance of Borrowers covenants and agreements under this Security Iwbument and the Note. For this purpose, Borrower does hereby second morigoge. giant and convey to Lender the following described property located In Col l i a County Florida. 1607T, M 95PT, V T1 Maords o[ Celli {,,,Cdud and which has the Sadiese�p(., ('Property Address'): TOGETHER WITH all the it royalties, mineral, oil and gas rights a Instrument shall also cover all roplao BORROWER COVENANT'. and convey the Property and that the generally the line to the Property age THIS SECURITY INSTRUh ning e1H Comer of 1111111 41 of 31-46-290 ■ 506PT to POD, 195PT, g to POD .96 Ac as recorded in plat book 1973 pope 1069, Public Y. PolioY00071660006 nowor UNIFORM COVENANTS. BOrfower and La 1. Payrnont of Principal and Interest; Pr " and Interest on the debt evidenced by the Note. 2, Texas. The Mortgagor will pay all loxes, ease thereon. The Mortgagor shall pay or cause to be paid, as II any kind whatsoever which may at any lime be lawfully as charges, Including 'Service charges', Incurred or Imposed I Property, and lift all asaeauments or other governmental Mortgagor shall be obligated under the Mortgage to pay or i of the Morlitage, and shell, promptly after the payment of I 3. Application of Payments. Unless apphrable Interest due; and, to principal due: and Iasi, to any Into chi 6. Charges; Liens. Borrower shall pay all taxes, may again priority over Oils security Instrument, and leasel all notice& of amounts to be paid under (his paragraph, an then property, and ad of the estate hereby conveyed and has the right to mortgage, grant wept for encumbrances of record. Bonuwerwanans and will delend ubjecl to any ancufnbfarKos of record, onto lornauonal we and non-un him,covenanu with limited variation by property. 1 and agree as follows: Late Chergos, Borrower shall pfompllypay when due IN principal of sda'er rents or water rates Prior to the accrual of any penalties "renal under to due, (A)(1) all taxes and governmental charges of with respect to the Property, (2) all utility and other c%we, occupancy, upkeep and Improvement of the be paid In Installments, over a period of years, the Borrower shall promptlydlacharge anyhon which has priority oval this Securilyinetromint unless actrowec (a) agrees inventing to the payment of the obligation secured by the lien in a manner acceptable to Lender;(bj Content faith ins Ilan by, or deloods against enforcement of the lien In, legal proceedings which In the Lenders opinion operate to proven 4nl fit of as Hen; or Worse; from the holder of the lien an agreement satisfactory to Lander subordinating the lien to this Stku ty4k4 mrgenl. 11 Lender determines that any pad of the Property is subject to a Ilan, which my attain priority over the Secm Security lnslruenl:L m@j Ive BObower a nolke ldentiytrg the Ilan. Borrower shall satisfy the Ilan Or lake one or more of the actions set forth above wlIhin. 0 days I the giving of police. 5. Hozord or Property Insurance. Borrower shall keep the Improvements now exiallrg: o , aiieflat of ad on the Property Insured against lose by lire, hazards Included within the lam 'extended coverage'and any oMerh a" rlc`yding floods or flooding, for which Lender requires Insurance. This Insunmoo shall be maintained In the amounts antl for di&fie ;lh I LerMer requires. The Insurance tamer providing the Insurance shell be chosen by Borrower subject to Lenders eppr0 at, svli a ail not be unreasonably withhold. 11 Borrower fails to maintain coverage donerood above, Lender may, at Lender a opOon, absIncovef toprolecl Learsrighb In the Propedyin accordance win paragraph 7. Al all time that the Note is outstanding, the Monpe9or ahpH„ lain theuranceMwith respect to iha Premises against such Oaks and for such amounts as are customarlly insured agalrut Ord pay, a&the Ixecorne due and payable, all premiums In rasped Iberelo, including, but not limited to , all-risk insurance protecting the Interests of the Mortgagor and Mortgagee against loan or damage to the Promises by fire, lighining, and other casualties cwtonimlly Insured against (Including bolter explosion, II appropriate), with a uniform standard extended coverage endorsement. Including debris removal coverage. Such anurarx:e at ail Omer lobe In an amount not lase than the full repiacemanl cost of the Premises, exclusive of footings and foundations. All Insurance policies and renewals shall be accepable to Lender and Shall include a slanxdard mortgage clause. LeMershallhave the fight to hold the policies and renewals. It LenJor requires, Borrower shall promptly give to Lani'ar all recaips of paid promi-,ms and renewal notices. In the event of loss, Borrower shall give prompt notice to the lnsuran0o corder and lender. Lender may make proof of lass If not made PMMPOY by Bonewel. Unless Lender and Borrower otherwise agree In writing, Insurance proceeds shall be applied to restoration orrepak of the Property damaged, II the restoration or repair Is economically feasible and Lenders Security Is not lessened. II the restoration or repair is not economically feasible or Lenders security would be lessened, the Insurance proceeds shall be applied 10 the sums secured by the Socudry mecum m, whelhoror not then due, with any excess paidto Borrower. If Borrower obandons the Property, or does not answer wiihln 30 days a notice from Lender that the Insurance Carter has ollered to "too a claim, then Lender may collect the Insurance proceeds. Lender may use the proceeds to repair or realore the Properly or to pay sums secured by this Security InaWmenl, whether or not then due. The day period will begin when Ills notice is mailed. Unless Lender and Borrower otherwise agree in willing, any appibalbn of Proceeds to principal shall not extend or postpone the due data of the monthly paymenia referred to In paragraph 1 or charge the amount of the payments. It under paragraph 21 the Property Is acquired by Larder, Borrowers right to any Insurance policies and Proceeds reaulOng from damage to the Property pdorto the acquisition shall pass to lender to the extent of the suns Secured 4 this Security Instrument hmedatey, Prior to the acquisition. ..,.,od.wp roaxr a OR: 3015 PG: 0881 s. occupancy, Preservation. Maintenance and Protection of the Property; Borrower's Loan Application, Leassholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixtydays after the execution of this Security Instrument and shall continue to occupy the Property as Borowers principal residence for at toast one year after the date of occupancy, unless Lender otherwise agrees in willing, which consent shall not be unreasonably withheld, or unless extenuating circumstances most which are beyond Borrowers control. Borrower shall not destroy, damage or impair the Property, allows the Property to detonorate, or commit waste on the Properly. Borrower shall be In default if any forfeiture action or proceeding, whether civil or criminal, Is begun that in Lenders good faith judgment could result in fodeltura of the Property or otherwise materially Impair the lien created by this Security Instrument or Lenders security interest. Borrower may cure such a default and reinstate, as provided in paragraph IB, by causing the action or proceeding to be dismissed with a ruling that. in Lenders good both determination, precludes forfeiture of the Borrowers interest in the Property or other malarial imilairmant of the hen created by this Security Instrument or Lenders security interest. Borrower shall also be in default it Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or tailed to provide Lander with any material inlormalmn) in connection with the loan evidenced by the Note, Including, but not limited to. representations concerning Borrower's Occupancy of the Property as a principal residence. It this Security Instrument is on leasenald, Borrower shall comply with all the provision of the lease. If Borrower acgvims toe title to the Property, the lonsehold and the lee title shall not merge unless Lander agrees to the merger in willing. 7. Protection of Lender's Rights In the Property. If Borrower tads to perform the covenants and agreements contained in this Security Instrument. or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condomnation or forfeiture or to enforce laws or regulations), then Lender maydo and pay Ion whatever is necessary to project the value of the Property and Lenders rights in the Property. Lender's actions may include paying any sums secured by a lien, which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' loos and entering on the Property to make repairs. Although Lenderma take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph?shallbegor,, apdilional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other mien el navmenf. mds�e01M6 $Matt bear Interest from the data at disbursement at the Note into and shall be payable, With interest, upon notice from Lender to" orrag4iosung payment. S. Mongsge i r.Ur{R'll 11 Lender required mortgage Insurance as a condition of making the loan secured by this Security Instrument, Borrower shall p�aSy Ina remiums required to maintain the mongago insurance in ellecl. It, for any reason, the mortgage Insurance coverage foqu - cVi>Lapses or ceases to be In effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to Ilia "longge,lgsurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage Insurance proviuusly try ypdct. 1 om an alternate mortgage Insurer approved by Lender. If substantially equivalent mortgage Insurance coverage Is not avaiiabiC Borrower shall payle, Lender each month a sum equal to one•twelith of the yearly mortgage insurance premium being paid by Borrower when the Ins)nce coverage lapsed or Ceased to be to effect. Lender will accept, use and retain these payments as a loss reserve In lieu of`ipod9irg IT, sumnee. Loss roserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (In the amdun and Ior the period that Lender requires) provided by an Insurer approved by Lender again becomes available and is obtained. Borrow rshail pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement lot mortgage Insdiancp_hnds In accordance with any written agreement between Borrower and Lender or applicable lave 9. inspection. Lender or Its agonbmayy'�tm"{k61 ('asonable entries upon and inspections of the Property. Lender shall give Borrower notice at (he time of or prior to an I apeblldh `gpepI ng reasonable cause for the inspection. IS, Condemnation. The preceetls dI.aAiy a bor claim lot damages, direct or consequential. In connection with any condemnation or other faking ofany pan oil Ptoporl�� ok" veyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, Ili rO/cmis hall be applied to the sums secured bylhis Security Instrument, whether or not then due, with any excess at to Borrower m t vO I I-q partial taking of the Property, In which the lair market value of the Proportyimmedmlolybetore the lakmg Ise qualtomgrealetteh ll;'eirmiunl of the sums secured by this Security lnstmman immediately before the taking, unless Borrower and landorotheiwSo agree in IrrJthe sums secured by this Security Instrument shall be reduced by the amount of the proceeds muWplied by the known Ir rho':: {djin to at amount of the sums secured immediately before the taking. divided by thetas market value of the Property immadslay, late �lp; taking. Any balance shall be paid to Borrower Intheeventota partial taking of the Property in which the fair market value of the Pi ,1 rgr{(h%gately"lote the taking is less than the amount of the sums secured immediately for the taking, unless Borrower and Lender ofnt>?vlls@)glm writing or unions applicable law otherwise provides, Me procoads shall be applied to rho sums secured by this S Cunty Inslrumepl W I�er or not the sums are then due. Unless Lender and Borrower otherwise agree in writing, any application al DrOceods to prthyi gildt not axtontl or postpone the due tlala of the monthly payments referred to in paragraphs 1 of change the amount or such pa an if. Borrower Not Released, Forbearance By Lender of a iv j(, iAVision of the time for payment or modification of amonlzallon of the sums secured by this Security Instrument granlotl by Lendpt can In censor m mlerest of Borrower shall riot operate to release the liability of the original Borrower or Borrowers successors in mlores( L n oin, has not too required to commence proceedings against any successor in interest or refuse to extend time for paymentorotherwisq,m1ogiamonvalwn of Pie Burns secured by tors Svcunty Instrument by reason at any demand made by the original BOnto wstar BeroWe'i cces5o,s,,n nneresl Any toroearance by Lundar In exercising any right or remedy shall not boa waiver of or preclude the oxen: ie of any ugh r re((nedy 12,Successornd Assigns Bound; Joint and Several LetCo Slgr ne�Juvenanb aria ayruonrenns Of min Security *a Instrument shall bind and benefit the successors and assigns of Lender and Borrower, sooloc IQ tfihee Provisions of pdrdgre m I Borrowers covenants and agreements shall be joint and several. Any Borrower who co-signs this So Win (N euut tlaes not execea me Num iai is Co-signing this Security Instrument only to mortgage. grant and convey that Borrower's m)b sl le i a Property under the forms of it,,, urity Security Instrument;(b) Is not personally obligated to pay the sums secured by this Secln3lruh(a site C) agrees that Londe, and any other Borrower may agree to extend, mostly, forbear or make any accommodations with regard Wu,. site inns Sec only Instrument or the Note without that Borrowers consent. 13. Lose Charge. If the loan secured by this Security Instrument is sub)ecl to a law which SeIS'rtidM}mum ban charges, and that law Is finally Interpreted so that the Interest or other loan charges collected or to be collected In conrleceon)wth Ihhhhe seen exceed Pie permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to th"Thutts'd Imad; and (b) any sums already collected tram 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 reluns reduces principal, the reduction will be treated as a partial prepayment without any prepayment change under the Note. 1e. Notice. Any notice to Borrower provided for In this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lander shall be given to Borrower or Lender when given as provided In this paragraph. governing 4w; tHwnbllity. Federal law and ilia law of the Jurisdiction In witch the Property is located shall govern this Security Instrument. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not elect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To his and the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy, Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17, Transfer of the Property or a Beneficial Interest In Borrower, 11 all or any pan of the Property or any Interest in it is sold or transferred lot It a beneficial Interest In Borrower Is sold or transferred and Borrower Is not a natural person) without Landers prior written consent, Lender may, at its option, faquire immediate payment In lull of all sums secured by this Security Instrument. Nowever, Lander shalt not exercise this option it lederal law as of the date of this Security instrument prohibits exetciso It Lender exercised this option. Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days tram the data the notice is delivered or mallotl Within which Borrower most pay all sums secured by this Security Instrument 11 Borrower fails to pay these sums prior to the expiration of this period, Lender may Invoke any remedies permitted by this Security Instrument without humor notice or demand on Borrower. 1e. BorrowsrY Rlghl to Rslnslate. It, Borrower mots certain condillons. Borrower shall have the right to have enlomemenl of this Security Instrument discontinued at anytime prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any POwer of sale conjoined In this Security Instrument; or gal entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower (a) pays Lender all sums which Men would be due under this Security ,.•d. wP *** OR; 3015 PG: 0882� Your o Instrument and the Note as it no accoleralion had ecouuad; (b) cures and default of any other covenants or agraenlenls; (c) pays all expenses Incurred In enforcing this Security Instrument, Including. but not limited to, reasonable attorneys loos; and of lakes such action as Lender may reasonably require to assure that the lien of this Sacurily Instrument, Lender's rights in the Properryand Bonomes obligation topaythe sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower. this Security Instrument and the obligations secured hereby shall remain fully effective as It no accoluralion had occurred. Howovor, this right to minslato shall not apply In the case of acceleration under paragraph 17, 19. sale of Note; Change of Loan Servber. The Note or a partial interest In the Note (together with this Security Instmmemf may he sold one or more limes without prior notice to Borrower. A sale may result in a change in the ontity(known as the 'Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servitor unrelated to a sale o1 the Note. 11 them Is a change of the Loan Services Borrower will be given wanton notice of the change In accordance with paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The nation will also contain any other Information required by applicable law, 20. Ho ndous substances. Borrower shall not cause or permit the piosonce, use, disposal, storage, or release of any Hazardous Substances on or In the Property. Bomowor shall not do, nor allow anyone else to do, anything allotting the Property that is in violation of any Environmental Law. 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 was ad to maintenance of the Property. Borrower shall promptly give Lender written notice lot 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 at which Borrower has actual knowledge. If Borrower IBAme, or is nabbed by any governmental or regulatory authority. that any removal or other ramedfation of any Hazardous Substance alloc,�ig the Property is necessary, Borrower shall promptly take all necessary remedial actions In accordance with Environmental Law. ice; %^;',; As used inthis paragraph 2'00 azardous Substances' are those substances coined as toxic or hazardous substances by Environmental Law and the lollowing subslah�G9�s.1.B$$solme, kerosene, other Iiammable or toxic petroleum products, tout pesticides and herbicides, Wattle solvents, materials cents ining'asbd'j,s or lormaldehyde, and radioactive materials. As used In this paragraph 20,'Environmental Law' means federal laws and lav/a;of ifie 0� islet where the Property is located that relate to hoallh, salety, or onvtronmontal protectiom b h I 21. Acceleration; RefYiedles, � ender shall give notice to Borrower prior to acceleration lollowing Borrower's mac o any covenant or agreement In this Sec n(yln (mmont (but not pilot to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specilyla) the default: (b) the action mgwred to cure the default; (c) a date, rot loss than 0o days horn the dale the notice is given to Fort, or.bywhicht¢coel ell must be cured;and lot that laeure to cure the default on or Wrote the data specified In the notice may result In accelemllon q('lhogusecured by this Seceily Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall in hot Inform per war of the tight to reinstate after acceleration and the light 10 assad in the foreclosure proceeding the non-existence met delaull or nyoths(delonsool Borrowertoaccelerallonandforeclosure. llthedelaulllsnotcutedonor before the data specified In the notice, Lantic ,,at I sgp on, may require Immediate payment In full of all sums secured by this Security Instrument without lunher domantl antl mayfor¢c(A I Security Instrument by judicial proceoding. Lender shall be entitled to collect all expenses Incurred in pursuing the remedies providaz(int, is paragraph 2 1. including, but not limited to, reasonable attorneys fees and costs of the tills evidence. "'t - i�, 22. Release, Upon paymonlof all sums sect(ied @µjh(s Sr charge, to Borrower. Bmrowerslmllpeyanyrecordaltsts. 20. Ahomsys' Fees, As used In this Secuth, Aslsufnant p by an appellate could. 24. Rideetolhls Secudtylnelri mint, lfoneoGto (ld Instrument Iho covenants and agreements of each such tide shall agreements of this Security Instrument as II the riders) were am Adjustable Fiala Rider Rat Graduated Payment Rider El 1.4 Balloon Rider G Biw 11 Olharls)(specify SIGNING BELOW. Borrower accepts and agrees to the terms and covenantsl. executed by Borrower and recorded with Q. Signed, sealed and delivered In the presence al: Witness Signature:__A,y1�_SS1...-.�---u __ _._. Witness Print Nam ...... SlgnalUrea, Borrower signature:. Borrower Witness Signature: Witness Print Name:_AA.-.14--L._ - 5.------ --._ Address STATE OF - Florida -COUNTY OF. _Collier_.._. rent. Loader shall release this Security Instrument, swlhout 'atorneys' lees'shall include any attorneys' lees awarded and recorded together Ride Condominium Rider Second Home Rider 6or ❑ Planned Unit Devolopmanl Rider co((ambdihn this Security Instrument and In any fidegs) 1 hereby cattily that on this day, before me, an officer duly authorized In the state aforesaid and in the county aforesaid to lake acknowledgements, personally appeared 01 ivia Gonzales, to me known to be the persons) dascribed In and who executed the foregoing instrument and acknowledged before met that HE/ SHE/ THEY executed the same for the purpose therein expressed. WITNESS my hand and official seal lu the County and Stale aforesaid this April 9, 2002. My Commission Expires: __. L - &rydPualli re Notarys a (SEAL) SAAY 4 401Mq W dear tr♦. 7/IA0 IM OOOYeIe I IMsreyrsr 11M+1A ,.,',red. Wp 1 Roth: • 2829428 OR: 286ING: 0376 GRID 3300.00 HOUSING 6 URBAN INPROVENRNT RECORDED in th'c OFFICIAL RECORDS of COLLIER COUNTY, It RNC PNN 15.00 roar o 3050 N HORSESHOE DR 11145 01/19/2001 at 09:06AN DNIGHT 1. BROCK, CLERK DOc-,35 11.55 NAPLEE EL 34101 SECOND MORTGAGE THIS SECOND MORTGAGE ("Security Instrument") Is given on July I(p,2001. The Second Modgagor Is: Elius & Charitable Octavian ('Borrower"). This Security Instrument is given to Collier County ('Lender), which is organized and existing under the laws of the United States of America, and whose address is 3050 North Horseshoe Drive N145, Naples, Florida 34104. Borrower owes Lender the sum of Three Thousand Three Hundred Dollars and no/100 (U.S.S 3, 300. 0 0). This, debt is evidenced by Borromes Note dated the same date as this Security Instrument ('Second Mortgage'), which provides for monthly payments, with the full debt, If not paid earlier, due and payable on Bale of property, refinance, or loan of homestead exemption. This Security instrument secures to Lendec(a) the repayment of the debt evidenced by the Note, with Interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with Interest advanced under paragraph 7 to protect the security of the Security Instrument; and (c) the performance of Borrowers covenants and agreements under (his Security inslmment and the Note. For this purpose, Borrower does herebysecond mortgage, grant and convey to Lender the following described propertylocatedin Collier County, Flodda. m r More padlculady, describ" a Cg4Stt Hfock 6, Naples Manor Ext. Collier County, Florida. FolloN62204300007 whl ha address of: aT ('Property Address'): Tucker Ave. n SD m $s} Florida 34113 � rant our TOGETHER WITH all the hrr99pfode/nenls now or hereafter erected on the property, and all easements, rights, appurtenances, renLu royalties, mineral, oil and gas rights`4ud profits, water rights and stock and all fixtures newer hereafter apart of the property. The Security Instrument shall also coverall replacements and, dditlons. All of the foregoing is referred to In this Security Instrument as the'Propedy. BORROWERCOVENANTS 1ha1,BRri or is lawluliy seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against alPcAlmeand demands. subject to any encumbrances of record. THIS SECURITY INSTRUMENT comb�inggss-unit rmcoven jurisdiction to constitute a uniform security, instrumbnic dng real UNIFORM COVENANTS. nmmowerankiYbP eonvenar 1. Payment of Principal and lntarest; Piep� epnd and Interest on the debt evidenced by the Note.-^* 2.Taxes. The Mortgagorwill payall taxes, e39 `aelri t5 ]hereon. / The Mortgagor shall pay orcause to be paid, as the, 9ryrynne any kind whatsoever which may at any Ume be lawfully ease auto o charges, Including use nice charges'. Incurred or Imposed for the- Property, and (3) all assessments or other governmental charges of the Mortgage, and with limited variation by and agree as follows: ate Charges. Borrower shall promptly pay when due the principal of awer rents or water rates pdorto (he accrual of anypenatUesor Interest SIgdvely become due, (A)(1) all lases and governmental charges of e egy against or with respect to the Property, (2) all utility and other aU ymaintenance,use,occupancy, upkeep and Improvement of the tat ay, lawfully be paid in Installments over a period of years, the Id igsuch installments as are required to be paid during the tens Pjeggfggyt sward to Mortgagee evidence of such payment. as mill $$II payments received by Lender shall be applied; first, to Interest due; and, to principal due; and last, to any late charges tlue undef 1 0�)61 4. Charges;Ltens. Bonowershall pay all taxes, assessments,66CMO' l�lin�s and Impmlllons attributable to the Propertywhkh may main priorityover this Security Instrument, and leasehold payments or brNiid tents` H any. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph, and all receipts evldedol0g't e'pa ems. Borrower shall promptly discharge any lien which has pdomyover thisSe I tmmentunless Boa0mr,(a)agreesinwdflngto the payment of the obligation secured by the lien In a manner acceptable to Lendel4 tests in good faith the lien by, or defends against enforcement of the Ilan In, legal proceedings which In the Lenders opinion operate to prevent the nforcementofthe lien; or secures from the holder of the Ilan an agreement satisfactory to Lender subordinating the Ilan to this S$cpdyln uoment. If Lender determines that any part of the Property is subject to a Ilan, which may attain priority over the Security lnstrunum r may give Bonowera notice identifying thellon. Borrower shall satisfy the lien or take one or more of the actions setfodh above wil 10 dayyss ofthegivingof notice. 6. Hazard or Property Insurance. Borrower shall keep the Improvements now ekl,s g'c hemafler erected on the Property Insured against loss by lire, hazards Included within the terrn'extended coverage' and any other haz�s;\ncludmg foods or ]loading, for which Lender requires Insurance. This Insurance shall be maintained in the amounts and ldrdh I pgg��IIo s That Lender requires. The Insurance carrier providing the Insurance shall be chosen by Borrower subject to Lenders appI, a(,, shall not be unreasonably withheld. If Borrower falls to maintain coverage described above, Lender may, at Lenders option, oblainso loprolect Lendersdghts In the Property in accordance with paragraph7. At all limes that the Note is outstanding, the Me go orshallin aininsurancewnbrespect to the Premises against such risks and for such amounts as are cuseenarilylnsured against and pay, as me due and payable, all premiums in respect thereto, including, but not limited to, all risk Insurance protecting the Interests the Mortgagor and Mortgagee against loss or damage to the Premises by fire, lightning, and other casualties customarily Insured against (including boiler e>ioloslon, If appropriate), with a unilonn standard extended coverage endorsement, Including debris removal coverage. Such Insurance at all Hmes to be In an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations. All Insurance policies and renewals shall be acceptable to Lender and shall Include a standard modgage clause. Lender shall have the right to hold the policies and renewals, It Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renevcalnotices. In the event of loss, Borrower shall give prompt nonce to the Insurance tamer and Lender. Lender may make proof of loss U not made promptly by Borrower. Unless Lenderand Borrower otherwse agree In writing, Insurance proceeds shall be applied to malomhon orrepairof the Property, damaged, If the restoration or repair Is economically feasible and Lenders security Is not lessened. If the restoration or repair Is not economically feasible or Lenders security would be lessened, the Insurance proceeds shall be applied to the sums secured bythe Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the Insurance tamer has offered to settle a claim, then Lender maycoliect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30- day period will begin when the notice Is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due dale of the monthly payments referred to In paragraph 1 or change the amount of the payments. It under paragraph 21 the Property Is acquired by Lender, Borrowers right to any Insurance policies and proceeds nulling from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acqulsition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Appibalion, Leaseholds. Borrowershall occupy, establish, and use the Property as Borrowers principal residence within sixty days afterthe execution of Nis Security Instrument and shall continue to occupy the Property as Borrowers principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees In writing, which consent shall not be unreasonably withhold, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destroy, damage or Impair (he Property, allows the Property to deteriorate, or commit waste on the Property. Borrower shall be In default if any fortaitumcanon or proceeding, whether civil or criminal, Is begun that in Lenders good faith judgment could result in forfeiture of the Property or otherwise matedally Impair the lien created by this Security any of ..m,ea.wp OR; 2862 PG; 0311 / roe,, a I OR; 4393 PG; 0138 Instrument or Lenders security Interest. Borrower may cure such a default and reinstate, as provided In paragraph l B, bycausing the action or proceeding to be dismissed with a ruling that, In Lenders good faith determination, precludes forfeiture of the Borrowers inleresl In the Property or other material impairment of the lien created by this Security Instrument or lenders secudWirtarest. Borrower shall also be In default It Borrower, during the loan application process, gave materially false or Inaccurate Information or statements to Lender tot failed to provide Lender with any material information) In connection with the loan evidenced by the Nate, Including, but not limited to, representations concerning Borrowers ocoupancyof the Property as a principal residence. It this Securityli s rumenlis on leasehold, Borrower shall comply with all the provision of the lease. If Borrower acquires lee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger In writing. 7. Protection of Lender's Rights In the Property. If Borrower falls to perform the covenants and agreements contained in this Security Instrument, or there is a legal processing that may slgnigcanly affect Lenders rights In the Property (such as a proceeding In bankruptcy, probate, for condemnation orfodailure or to enforce laws or regulations), then Lender may do and pay forwhatever is necessary to protect the value of the Property and Lenders rights In the Property, Lenders actions may Include paying any sums secured by Ilan, which has priority over this Security instrument, appearing In mud, paying reasonable attomeye fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Bonower secured bythls 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. 9. Mortgage Insurance. If Lender required mortgage Insurance as a condition of making the loan secured by this Security Instrument Borrower shall pay the premiums required to maintain the mortgage Insurance In effect, 11, for any reason, the mortgage Insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substandally equivalent to thk mortgage insurance previously In effect, at a cast substantially equivalent to the cost to Borrower of the mortgage Insurance preylohsly In effect, from an alternate mortgage Insurer approved by Lender. it substantially equivalent mortgage Insurance coverage Is note, able, Bortowershail pay to Lendareach month a sum equal to one -twelfth ofthe yeady mortgage Insurance premium being paid byy8q'rtdd an the insurance coverage lapsed or ceased to be In effect. Lender will accept, use and retain these payments as e loss resery�'11gy{'o dga9e Insurance. Loss reserve payments may no longer be required, at the option of Lender, ff mortgage Insurance coverage (fn Me mount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtelii�ua 1.' hbwer shall pay the premiums required to maintain mortgage insurance In effect, or to provde a loss reserve, until the requirement for- ortgakinsurance ends In accordance with any wrigen agreement between Borrower and Lender or applicable law. 9. Inspection. Lends(" agent may make reasonable entries upon and Inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inlon specitying reasonable cause for the Inspection. 10. Condemnation. The {ii5'sepany award or claim for damages, direct or consequential, In connection with any condemnation orothertaking of any part of theerly, or for conveyance in fleu of condemnation, are hereby resigned and shall be paid to Lender. In the eventolatolel taking of the FryHas proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Bonower: jq ]rye event of a partial taking of the Property, In which the fair market value of the Property immediately before the taking Is equal lo,A'6r gr is or than the amount of the sums secured by this Security Instrument Immedlately before the taking, unless Berrowar antl Lentleroth rvgse, glee in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the loll`owi(fg 1raC@brr(1: (a) the total amount of the sums secured Immediately before the taking, divided by (b) the fair market value of the Property Immii(dis �'tybefpppore the taking. Any balance shall be paid to Borrower. in the event of a partial taking of the Propertyln which the fair market value bJuf r�arty Immodlatelybefore the taking Is less than the amounlofthe sums secured immediately for the taking, unless Borrower art {t4�pgbrolh rmse agreein writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Smuttily thiment whether or not the sums are then due. Unless Lender and Borrower otherwise agree In writing, any appilmdon of props' ds bi pfpal shall not extend or postpone the due date of the monthly payments refered to In paragraphs 1 or change the amount IzsdG¢a gents. 11. Borrower Not Released, Forbearance By Leficlifir Not alver. Extension of the time for payment or modification of amortization of the sums secured by this Security InsWment grani@d_q�niydar to anysuccessor in Interest of Borrower shall not operate to release the liabilityof the original Borrower or Borrowers sume=4154 in (eft* Lender shall not be required to commence proceedings against any successor In interest or refuse to extend time for payment` ro(h modlty amortizaffon of the sums secured bythls Security Instrument by reason of any demand made by the od0lm 16 or Borrp rs messors In Interest. Any forbearance by Lender In exercising any right or remedy shall not be a wavier of or preGutle the eY sa aright or remedy. 12. Successors and Assigns Bound; Joint and Several Llabllhy 1" M. Thecovenanis and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and tri�p woJ is bject to the Provisions of paragraph 17. Borrowers covenants and agreements shall be IolItgh d� fie, oral. Any Borrower who co-signs this Security Instrument but does not execute the Note; (a) Is co-signing this Security Inslmm@,flt on to mortgage, grant and convey that Borrowers interest in the Property, under the terms of this Security Instrument; (b) Is not pemodal :obligated to pay the sums secured by this Security Instrument; and (c)agrees that Lender and any other Borrower may ogres to extend. moth ;4ot earormakeanyaccommodationswith regard to the terms of this Security Instrument or the Note without that Borrowers consen {) 13. Loan Charges. If the loan secured by this Security Instrument Is subject airs. taw which sets maxJmum loan charges, and that law is finally Interpreted so that the interest or other loan charges collected or to be coilectedTd"po6rid8 Mhthe loan e-onsithepermitled limits, then: (a) anysuch loan charge shall be reduced by the amount neceeanyto reduce the eh@@,rgeta epemaffed llmN; end @)anysums already collected from Borrower which exceeded permflled limits will be refunded to Botrower.,Lmd, ma'yphoose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. if a refund roue,sAdncipal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. + '•, J> 14. Novices. Any notice to Borrower provided for In this Security Instrument shall be given by tleli4wyig It or by mailing It by first class mall unless applicable law required use of another method. The notice shall be directed to the Propedvbddrtsss or any other address; Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender en given as provided In this paragraph. 16. Governing Low; Soverabllity. Federal law and the law of the jurisdiction In which the Property is located shall govern this Security Instrument. In the event that any provision or clause of this Security Instrument or the Note confllcts with applicable law, such conflict shall not affect other provisions of this Security Instrumentorthe Note which can be given effectwithout Iheconfikting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable, 16. Borrowers Copy. Borrower shall be given one conformed copy of the Note and of this Security InsWment 17. TransWoftho Propertyora8meftialinterestln Bonower. If all oranypart of Has Propettyoranylntwest in his sold or transferred (or It a beneficial Interest in Borrower Is sold or transferred and Borrower Is not a natural person) wfNout Lenders prior written consent, Lender may, at Its option, require Immediate payment In full of all sums secured by this Security Instrument. However, Lender shall not exercise this option If federal law as of the data of this Smudgy Instrument prohibits exercise. II Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the dale the notice Is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. II Sorrowerlalls to pay these sums prior to the expiration attire period, Lender may Invoke any remedles permitted bythls SecudlylnsWmenlwtihoulfunher notice or demand on Borrower. 16, Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the eadler of; (a) 5 days (or such other pound as applicable law mayspolty for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of ajudgment enforcing this Security Instrument. Those conditions are that Borrower. (a) pays Lender all sums which then would be due underthle Secudry Instrument and the Note as if no acceleration had occurred; (b) cures and default of any other covenants or agreements; (a) pays all expenses Incurred In enforcing this Security Instrument, Including, but not limited to, reasonable attorneys fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Ins W menl, Lenders rights In the Property and Borrowers obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Secudry Instrument and the obligations secured hereby shall remain fully efleclive as it no aaceferallon had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. ..m,ed. W �* OR; 2862 PG; 0398 *** p ** OR; 4393 PG; 0139 **V 19. Sale of Note; Change of Loan Setvlcer. The Note or a partial Interest In the Note (together with this Security Instrument) may be sold one or more times wilhoul pdor notion to Borrower. A sale may result Ina change In the entity (known as Ihe'Loan Sarvicet) that collects monlhlypaymenls due under the Note and this Security Instrument. There also maybe one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan SeMcer, Borrower wait be given written notice of the change In accordance with paragraph 14 and applicable law. The notice will state the name and address of the new Loan SeMcer and the address to which payments should be made. The notice will also contain any other Information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or peril the presence, use, disposal, storage, or release of any Hazardous Substances on Orin the Property. Bonowershall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. 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. Borrower shall promptly Hive Lender written notice for 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 Bormwerhas equal knowledge. If Borrower teams, or Is notified by any governmental or regulatory authority, that any removal or other remediadon of any Hazardous Substance affecting the Property Is necessary, Borrower shall promptly take all necessaryremodlat actions In accordance with Environmental Law. As used In this paragraph 20,'Hazardous Substances' are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxth pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and Is located that relate to health, salety o 21. Acceleration; Arcadia covenant or agreeme 1; tf) s Secud otherwise). The cable lls fy; (a the notice Is given to Bono r;p6toic the notice may result In acc�lejallen Property. The notice shall fmi er I�Q a proceeding the non-existence of eZa before the dale specified In the whogg, Instrument without further demand a' d expenses Incurred In pursuing the rams of the title evidence. ' 22. Release. Upon payment charge, to Borrower. Renewer shall p€ 23. Altomoys' Fees. As use by an appellate court. 24. Riders to this Security l� Instrument, the covenants and agreami agreements of this Security Instrument ❑ Adjustable Rate Rider ❑ Graduated Payment Rider ❑ Balloon Ridor ❑ Other(s) (specify ragraph 20,'Environmental Law' means federal laws and laws of the)udsdiction where the Property environmental protection. r. Lender shall give notice to Borrower prior to acceleration following Borrowers breach of Any r Instrument (but not prior to acceleralion under paragraph 17 unless applicable law provides Ilia default; (b) the action required to cure the default; (c) a date, notion than30days here the date the default must be cured; and (d) that failure to cure the default on orbefore the date specified In the sums secured by this Security InsWment, foreclosure by judicial proceeding and Ante of the Borrower of the right to reinstate after acceleration and the right to assert In the foreclosure I( anyotherdefense of Borrower to accelerailon and foreclosure. IIthadefml(Isnotcuredonor Cancer. at Its option, may require Immediate payment in full of all sums secured by this Secudiv as if the ❑ \Raj ❑ 1-4 ❑ Biw SIGNING BELOW, Burrower accepts and agrees to the terms executed by Borrower And recorded with h. Signed, sealed and delivered KIn t�he yof:.(%eWICWitness Signature% - Witness Print aph 21, Including, but not limited to, reasonable atiomeyslees And costs Security Instrument, Lendershail release this Secumy Instrument, without , Note, 'atlorneys' feas'shall Includeanyatiomeys' fees awarded a executed by Borrower and recorded togetherwith thIsSecurity, porated Into andshall amendand supplement the covenants and Security Instrument. (Check Applicable Box) Rider ❑ Condominium Rltler ❑ Second Home Rider Ryder ❑ Planned Unit Development Rider Witness Signature:_ Witness Print Name:j )COL A ki t Address: STATE OF_Flodda_ COUNTY OF_Colller, In this Snowily Instrument and in any rider(s) Octavian I hereby certify that on this day, before me, an officer duly authorized In the state aforesaid ari l6gounty aforesaid to take acknowledgements, personally appeared 8lius a Charitable Octavian tome known to be M person(s) described inand who executed the foregoing Instrument and acknowledged before me that HFJSHEI THEY executed the more for the purpose therein expressed. WITNESS my hand and official seal in the County and State aforesaid this Jul , My Commission Expires: a,-, a11 AVly P—bl SiY'ature Notary's Printed Name Ygp (SEAL) `PAY PU OiFC'.A(NOIAA SPAT K CPP � ��t' J CCi910>J 96i' Yx, YY!^'!kl .Rf.•)1?,I%aL! INSTR 5457674 OR 5439 PG 1180 RECORDED 10/11/2017 4:00 PM PAGES 2 DWIGHT E. UROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA REC $18.50 Prepared by: Wendy Klopf Collier County Community & Human Services Division 3339 E. Tamiami Trail, Building H, #211 Naples, FL 34112 THIS SPACE FOR RECORDING RELEASE OF LIEN KNOW ALL MEIN? 9V' ESE PRESENTS: That Collier County, whose post office address is 3299 E. Tamiami T'Ea I' '4ples, Florida 34112, the owner(s) and holder(s) of a certain Impact Fee Waiver Agreements`A4uted by Immokalee Habitat for Humanity, Inc, to Collier County, having met the' 15 year affordability housing obligation associated with the $67,864.72 of SHIP Impact Fee Waiver%-gf which is hereby acknowledged does remise, release, quitclaim, exonerate and discharge from'��,th� lien and operation of the said agreement, that certain portion of the premises conveyed by saitLl"ien, mo.ke particularly described as follows: Exhibit A The undersigned is authorized to and dt named properties, and consents to these said properties. This Release of Lien was approved by (rye 1 p , 2017, Agenda Item] N release these Liens with respect to the above- tg forever discharged of record with respect to BOARD OF COL M of County Commissioners on - , FLORIDA lam`" *** OR 5439 PG 1181 *** EXHIBIT A Various lots as listed below for, Naples Manor Extension, as recorded in Plat Book 3, page 101 of the Public Records of Collier County, Florida. County Managers .,, CO d* 15 year affordability Legal Description Folio Lien Impact Fee Approval ? :J' > end date (OR/Pg Amount Naples Manor Extension, 7/3/1995 06 W3 ._ . 06/30/12 Block 2, Lot 10 62200560003 2083/1369 $6,169.52 Naples Manor Extension, 7/3/1995 04/15/96 bAl1 /11 Block 5, Lot 8 62203200001 2083/1383 $6,169.52 Naples Manor Extension, 7/3/1995 04/15/96 04/15/11, Block 5, Lot 9 62203240003 2083/1390 $6,169.52 Naples Manor Extension, 7/3/1995 01/31/97 Ol/3' 2 Block 6, Lot 62204280004 2083/1411 $6,169.52 7/3/1995 12/27/96 12/27/1,1'!� 1`I'a+ples Manor Extension, $yoGk6,Lot3 62204300007 2083/1418 $6,169.52 Manor Extension, Na�la Manor Extension, 7/3/1995 03/19/97 03/19/12 " l 62204330006 2083/1528 $6,169.52 N .ple ; or Extension, 7/3/1995 03/19/97 03/19/12 Bloelf ; .6 62204340009 2083/1535 $6,169.52 Nap1� Mato Extension, 7/3/1995 03/19/97 03/19/12 Block 7 1', 62204960007 2083/1549 $6,169.52 Naples Ivlaffl p)S t nsion, 7/3/1995 04/15/96 04/15/11 Blockll,''Lof43'';,. 62207080007 2083/1556 $6,16952 Naples Manor EA Ion, 7/3/1995 06/09/97 06/09/12 Block 13, Lot3'-">' - 62207760000 2083/1563 $6,169.52 Naples Manor ExtoAsr 7/3/1995 06/09/97 06/09/12 Block13,Lot 4 2207800009 2083/1570 $6,169.52 Total $67,864.72 • • OBLD 3380.00 2829426 OR: 2862 PG: 0372 Ref 1111 15.00 HOUSING 6 URBAN IXPROVIXSX' RSfORDXD lr, the OPP!C!At RXCOROS Of CO:L!!R COUX391 P: 3050 N XORSISHOR DR RU5 07119I1001 at 09:05AX DXIGHT I. BROCA, CURB XAPLIS It 34104 SECOND MORTGAGE THIS SECOND MORTGAGE ('Security Inapt monl') Is given on Jun, 111200.1. The Second Mortgagor Is: Calianae Julian ('Borrower'). This Security instrument is given to collier County ('Lender'), which is organized and existing under the laws of the United Scales of America, and whose address is 3050 Notch Horseshoe Drive 0145, Naples, Florida 34104 . Borrower owes Lender the sum of Three Thousapd Tbree Hundred dollars (U.9. S 1 e 300. 00 1. This, debt Is evidenced by Borrowers Note dated the same date as this Security inarument ('Second Mortgage'), ehiCh provides for monthly payments, with the full debt, It not paid enter, due and payable on mule o! Property, refinance, o toes o! honuatead exanption. This Security Instrument secures to Lander: (a) the repayment of ha dsblevdencedby the Note, w h intere.6 end all renewals, extensions and modifications; (b) the payment of all other sums, Win Interest advanced under paragraph 7 to protect the security of the Security Instrument and (c) the performance of Borrowers covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following d..Ohadmomm,lbcamdareollier County,Flodda. More particularly ('Property Addess'): Manor, Collier County Florida Folio x 62204330006 TOGETHER W ITH all Ilielriprovemenls rww or Mreaftereredetl on ha properly, and as easements, rights, appurtenances. rents, royalties, mineral, all and gas rights and profit?, voler rights and stock and all fixtures now or hereafter a pan of the property. The Security Instrument Shall also cover ail reDlacementq rid dditbne. All of the foregoing is referred to In this Security Instrument par the 'Property'. BORROWER COVENANTSlhgi wer is lawfully seized atths estate hereby conveyed and has the right to mortgage, grant and convey the Property and That the ProlEp le unencumbered, excopt for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all Iaime and , mands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT comJil!��abun fl,}mt covenants for national use and ma-unlfonncovenams with limited variation by jurisdiction to considde a uniform security lnsWmgn, tgs'grr(tng real property. UNIFORM COVENANTS. Borrower and 0dsriavenanl and agree as follows: 1. Payment of Principal and Interval; Proptim tit. Charge., Bonrower Shall promptly pay when due the principal of and Interest on the debt evidenced by the Note. \`. 2, Taxes. The Mortgagor will pay all texas, iS49as3nghta. sewer rams orwatar rates pdorto the accrual of anypenallies or interest thereon. `✓'; The Mortgagor shall pay or cause to be pald,es the' - ' redp. ilvely0ecome, any kind whatsoever which may at any llme be lawfully asses ed.Ori vi��tltl against or wi charges, including 'servbe charges', ImunedOAnXmffd WINop6tUOX> harmance Property. and (3) all assessment. or Other governmanlat chmg6e,thal,.," yo a, ly be xannnamr shall ha undated under the Mortdam to Pay or cause t0 Idgply such lnsl Interest due; and, to principal due; and lest, to any late chi a. Charges; Lfsns. Borrower shall pay all taxes, may attain priorityove, this Security Ins W mend, and lessor all nolices at amounts to be paid uWer this paragraph, am enforcement of the lien In, legal proceedings which In ins tenders opium Operme ro My the holder of the Ilan an agreement Satisfactory to Lender subordinating the Ilan to this Se pad of the Property Is subject to a lien which meyattoln priority over he Socudty mstmme the Ilan. Borrower shall "Italy the lien or lake one or more Of the "Was sal forth abuvi S. Hazard w Property Insurance, Borrower shall keep he Improvements ni Insured against lose by fire, hazards Included within the term'extanded coverage' and Al which Lender requires Insurance. This Insurance shall be maintained In the amounts Insurance carderproviding the insurance shall be chosen by Borrower subject to Lenders I 11 Borrower Jails to mainlaln coverage described above, Lender may, at Lenders option, Property In accordance with paragraph 7. At all limes that the Note is Outstanding, the Ma Premises against such risks and for Such amounts as are customarily Insured against an premiums In respect [hotels. I clud1%but not limited to, ad dak Insurance protecting the lose ordemege to the Premises by fire, lightning, and other casualte9 customarily Insured with a uniform standard extended coverage endorsement, Includingdebds removal covers not fees Irian the Will replacement Cost Of Ins Premlaea, exclusive Of IOOUno and founds All Insurance policies and renewals shall be acceptable to Larger and Shall Indu the right to hold the policies and renewals. 11 Lender requires, BonOwer Shall promptly renewal notices. In the event of loss, Borrower shall give prompt notice to the Insurance c if not made promptly, by Borrower. Unless Lender and Renewer otherwise agree in writing, Insuranco proceeds ON damaged, It the restoration or repair Is economically feasible and Lenders security 1s economically feasible or Lenders security would be lesesned, the Insurance Ptoceeds eh Instrument, whether or not then due, Win any excess paid to Borrower, fBorrowerabai days a ranee from Lender that the insurance carder hap offered to settle a claim, then Lei may use the proceods to repair or restore the Property or to pay sums secured by this Sec day Period will begin when the notice Is mailed. Unless lender and Sonowor othenl& principal shall not extend or postpone the due data of the monthly payments referred N all taxes and governmental charges at ;1 to the Property, (2) all utility and other ;upamy. upkeep and Improvement of he malimenta over a period of years, the as are requited10 be pail during Ile term Irlposltbns attributable to the Proper"Ich I, Bommwwr shall promptly furnish to Londe, borrower: (a) Sprees in wrong is I the lien by, or defends attempt at of he Ilan; or(Of se amarshom II Lender determines that any to Borrower a notice Ide dl ying I the giving of notice. eager Shaded on the PrOPedy Include floods or flooding, for kis that Lender requires. The III IIIWbe mosasaeblywithhold. Ih dlact Landoes more In the Igage clause. Lender Shall have receipts of paid premiums and Lender may make proof of loss 01 be applied to restonalbn or repair of the Property not lessened. It he restoration or repair Is net III be applied to the sums secured bythe Seaxhy None the Property, or does not answer within 30 Nor may colic[ the Insurance proceeds. Lender urlty Instrument, whether ornothan due. The 30� agree In writing, any appik:eUon of proceeds to to In paragraph I or change the amount of the nv Insurance eullcles and proceeds resulting from damage to the property prior to the acqulslllon Shall Pao to Lander to the might of tie sums eecuneu oy uro ou.,,,ny nwunne, prior to the acquisition. S. OOouprwy, Pf oirvalon, Malntertatwe and Prolsotion of the Property; Borrower's Loan Application, Laaaaholds. Borrower shall Occupy, eslabllsh, and use the Property as Borrowers principal residence within sixty days afar he execution of his Security instrument and shall continue to Occupy the Property as Borrowers principal residence for al least one year after he data of occupancy, unless Lender otherwise agrees In writing, which consent shall rot be unreasonably withheld, or unties extenuating circumstances exist which aro beyond Borrowers control. Borrower shall nor destroy, damage or Impair the Property, ailowthe Property to deteriorate, orcanmtt waste on the Property. Bono n Shall be in default If any forfeiture action or proceeding, whether civil or cdm'nal. Is begun that in Lenders good lash Judgment could result in fortollure of the Property or Citatio s materially Impair he Ion created by his Security Instrument or a .d.lip Yom o OR: 2862 PG: 0373 good lath judgment could result in forfeiture of the Properly or otherwise materially Impair the lion created by this Security Instrument or Lenders security Interest. Borrower may cure such a default and reinstate, as provided In paragraph 18. by causing the argon or proceeding to be dismissed with a ruling that, In Lenders good faith determination, precludes forfeiture of the Borrowers interest In Uia Property ofother malarial impairment of the Ilan created by this Security instrument or Lender's security interest. Borrower shall also be In delault if Borrower, during the loan application procoss, gave materially [also or Inaccurate Inlormation or statements to Lender (or failed to provide Lender iveh any material information) in connection with the loan evidenced by the Nolo, Including, but not limited to, representations concerning Borrowers occupancy of the Properly as a principal residence. II this Security Instrument is on a leasehold. Borrower shall comply win all Ilse provision of the least, II Borrower acquires lee title to the Properly, the loasehold and the lee title shall not merge unless Lender agrees to the merger in writing. 7, Prolaolbnof Lender's Rights In the Property, If Borrower Jails to pedoim the covenants and agreements contained in this Secunly Instrument, or (hare is a legal proceeding that may significantly affect Lender's rights In the Property (such as a proceeding in bankruptcy, probate, for condemnation of fodellure or to enforce laws ofregulations), then Lender may do and pay or whatever is necessary to protect the value of the Property and Lenders rights in the Property, Lender's actions may Include paying any sums secured by a lien which has priority over this Security instrument, appealing m court paying reasonable attorneys' fens and entering on the Property to make Zens. Although Lender may lake action under this paragraph 7. Lender does not have to do so, Any amounts disbursed by lender under Zen. paragraph 7 shall become additional debt of Borrower securedbythIs Secudtylnslmment Unless Borrower and lender agree to other terms of payment, those amounts shall bear Interest Irom the date of disbursement at the Note rate and shall be payable, with Interest, upon notice from Lender to Borrower requesting payment. B, Mortgage insurance, If Lender required mortgage Insurance as a condition of making the loan securod by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage Insurance In effect If, for any reason, the mortgage insurance coverage ruquirdd Lender lapses or ceases to be in WWI, Borrower shall pay the premiums loqulmd to obtain coverage substantially equivalenl'Ipp ih mprigage Insurance previously In ellect at a cost substantially equivalent to the cost to Borrower of the mortgage Insurance lifd4(ou �llSy�efloct from an alternate mortgage Insurer approved by Lender, If substantially equivalent mortgage insurance coverage is not ,.y kela�Porrowor$h ail Pay to Lender each month a sum equal to onedwelllh of the yearly mortgage Insurance premium being paid by BoirowBr�wh`tire insurance coverage lapsed or ceased to be In effect. Lander will accept, use and retain these payments as a loss reserve In feu bl o,(tgage insurance. Loss raserve payments may no longer be required, at the option of Lender, d mortgage insolence cove ragA'{ln9i y)nd, ill and for the period that Lender requires) provided by an Insurer approved by Lender again becomes avallable and Is obtained. .BorW f�r shall pay the premiums required to malmaln mortgage Insurance in Ol Otto PrOvide a less reserve, until the requirement for ypaniggagrinsurence ends In accordance wish any written agreement between Borrower and Lender or applicable law. - 9. Inspection, Lender or 11s-so8'npy make reasonable entries upon and Inspections of the Property, Lender shall give Borrower notice at the time of or for t=abI63D lion apecilying reasonable cause for the inspection, m 10, Condenellon, The piocge of any awold or claim lot damages, direct or consequenfial, In connection vein any condemnation or other faking of any pa M1 of Ih�Propedy;, Y for conveyance in lieu of condemnation, are horebyasalgiod and shall be paid to Lander. In the event of a totaltaking of the Pmpq'.' lfa safe shall be applied to the sums secured by this SacurlNlnstument, wheUbr or not then due, with any excoss paid to eintov{e„_Jn I�pdp event of a rental [eking of the Property, in which the fair market value of the Property immediately before the taking is equal Id -gig eater Than the amount of the sums socurad by thls Security Instrument immediately bolero the taking, unless Borrower and Lender otherWIsg,�'�(be� writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the folio wl}igl agile,: (. me total amount of the sums secured Immediately bolero the talking. divided byge) the fair market value of the Properly lip 'a ielyp 01(0thelaking. Any balance shall be paid to Borrower. Intheeventofa rental taking of the Property In whichtholair market value p�Aife Brog 11 Immediately before the taking Is less Than the arrwunloi Imo sums secured immediately for the taking, unless Bottom rand Longer InS6(, a agree in writing or unless applicable law otherwise provides. the proceeds shall be applied to the sums secured by this Secbjty Inslruirignl whether or not the sums are men due. Unless Lendor end Borrower otherwise agree In willing, any application of precovia l rinplpal shall not extend or postpone the due data of the monthly payments labeled led to In paragraphs I or change the amount of afR paI. S. 11. Borrower Not Released, Forbearance By Land fIyt i Ljya�, ar. Extension of the time for payment or modification of attenuation of the sums securedbylilts SBCUlily notrurnemgrantad y 1Part any successor m Interest at Borrower shall act operate to release the liability of the original Borrower or Borower$ successors Irf InforQ:'1 finder shall not be required to commence proceedings against any successor In Interest or refuse to extend it tot payment or o)pe�,/..,i' emltdiN amortflagon of the sums secured by this Security Instrument by reason of any demand made by the odgmet to r or BOUPw6r sue essors In Interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exerolsd'oI a`ny: ght or remedy. 12. Secesssen Ao an igns Bound; Joint and 8ewr11 Llabiiltyl Cb-S11 e, Thecownanisandagreemon%ofthis Security Instrument shall lend and leanest the Successors An assigns of lender and BS({awpp✓slab t to the Provisions of paragraph 17. Borrowers covenants and ageemeres shall be phitA it so,' rat. Any Borrower who cc signs this Security Instrument but does not execute the Nola; (a) is co•slgning IhIs Security Instruma86eni to mortgage, grant and convoy mat Borrowers interest In the Property under the terms of this Security Intro enl;(b) Is not personally obliphid' 1 pay the sums secured by this Security Instrument; and (e) agrees Ina[ Lender and any other Borrower may agree to extend, modi lot er or make any accommodations wire regard to the farms of this Security Instrument or the Note withoul that Borrowers consent ,`. 13. Loan Charges, it the loan secured by this Security Instrument is scat to elaw.xtit<I}.S maiemum loan charges, and that law is finally Interpreted so that the Interest or other loan charges collected or to be collected In c6nlfectipn�win Me ban exceed ma pemniged limits, than: (a) any such loan charge shall be reduced by the amount necessary toreduce the clfar lei rmltied limit; and flat any sums already collected from Borrower which exceeded permitted limits will be relunded to Borrower Londe aryc ease to make this rotund by reducing the principal owed under the Nola or by making a direct norm al to Borrower. Il orotund r6 pges Dr ipal, the reduction Will bo treated as a partial prepayment without any prepayment charge under the Note. 1/. Notices, Any notice to Borrower provided term this Security there entshall be givenbydeiivad_g it or by mailing it by first the class alhodnna ss applicable on ice to Lender,e Of another Anv notice fro Lender shall be giveno grove roor on or n q venor any as provided ier n his paragraph. 1a. tiowming Law; Sawrablilty. This Security lnslmrtwnishall be governed by federal law and the few of the Jurisdiction in which lho Property is located, In the event that any provision or clause of this Security instrument or the Note conflicts with applicable law, such conflict shall not short other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end file provisions of this Security Instrument and the Note are declared to be severable. to, Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Sacunty instrument. 17. Transfer of the Property Ora Beneficial Interest In Borrower. If all or any Den of the Property or any Interest m ii is sold or transferred (of II a beneficial Interest In Borrower Is sold or transferred and Borrower Is not a natural person) W hout lenders prior wrlgan consent. Lender may, at its option, require Immediate payment In full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender It exercise Is prohibited by federal law as of the dale of this Security Instrument. II Lender exercised this option, Lander shall give Borrower notice of acceleration. The notice shall provide a period of not less then 30 days from the data the notice Is delivered or mailed within which Be, rowar must Day all sums secured by this Security Instrument. It Borrower fails to pay these sums prior to the expiration of mis period, Lender may Invoke any remedies permitted bygone Sucudh Instrument without further nollce or demand on Borrower. 18. aonower's Right to Reinstate. It Borrower Moore cenaln conditions, Borrower shall have the tight to have onforeemont of (his Security Instrument discontinued at any lime prior to the Banker of : (a) b days for such other padod as applicable law may specify for reinstatement) bolero sale at the Property pursuant to any power of sale contained In this Security Instrument. or (b) entry of a judgment enforcingtMo Secudlylnslmmonl Those conditions are that Borrowor,(a) pays Lender all sums which then wouldbe due under this Security Instrument and the Note as It no acceleration had occurred; (b) cures and default of any other covenants or agreements; to) pays all expanses Incurred In enforcing this Security Instrumml, including, but not limited to, reasonable attorneys loos; and (d) lakes each action in Lender may reasonably require to assure that the Iron of this Security Instrument, Lenders rights In the Proportyand Renewers obligation to pay fine sums secured by this Security Instrument shall continue unchanged. Upon reinstalemont by Borrower, this Security Instrument and the obligations socu red hereby shall remain fully ellecllve as it no acceleration had occurred. However, this light to reinstate shall not apply In ,,,ed.vp Tom 0 OR; 2862 PG; 0319 the case of acceleration under paragraph 17. 19, Safe of Note; Change of Loan Sinker. The Note or a tamer Interest in the Note (together with this SocurrWaslrwmen)maY be sold one or more times without prior notice to Borrower. Aca may result in a change In the entity (known as the 'Loan Servker') that collects monthly payments due under the Note and this Security lnslromenL There also may be one or more changes of the Loan Somicer unrelated to a sale of the Note. If there Is a change o1 the Loan Senicer, Borrower will be given written notice of the change In accordance with paragraph 14 and applicable law. The notice will stale the name and address of the new Loan Servker and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20, Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances ion or in the Property. Borrower shall not do, not allow anyone else to do, anything affecting rho Property that Is In nces shall not apply to the presence, use, or storage on the Property Of small violation of any Environmental Law. The preceding two sente nized to be appropriate to normal residential uses and to maintenance of Iho quantities of Hazardous Substances that are generally recog Plopany. Borrower shall promptly give Londer vniaen notice for any Investigation, claim, demand, lawsuit or other action by any goviommental or regulatory agency or private party Involving the Properly and any Hazardous Substance or Environmental Lawot which Borrower has actual knowledge. if Borrows, learns, or atory any Hazardous Substance affecting the lProperty Is necessary, Borrower shall s notified by any governmental or prlompty take all oeeossahat ry rmedmremoval lactions m af other ccordanceallon win win Environmental Law. As used tothis pwingsub te,,es'HazardWse, bstances' are kerosene, other, flame able or tose oxic xicatified as toxic or patroleunl products,ttorxic poslicldes and herbicides. volatile es by Environmental Law and the following subslences: gasoline, solvents, materials containing asbestos or formaldehyde, and rdloactivamanpieis. Asusedl %his paragraph 20.'Environmental Law` moans federal laws and laws of thejunsdkhn where the Proped is localetl 1na1 rotate lotiep(Ih ate y or environmental protection. 21. AcceNrdllbOh; Fppp�)rd1((aQNs, Lender shall give notice to Borrower prior to acceleration following Borrowefs breach o1 any covenant or agreement iAc"S of Instrument (but not prior to acceleration under paragraph 17 unless applicable taw provides Wharves The notice shall spa ly. fa the defaulC(b) the action required to cure the defaulC(c)a date. not loss than 00days from the dale the notice rs gven to Borrowul,\b whl 10QQdefauk must be curod:and (d) that failure to cur the default on orbelore the date specified in the notice may rspll m acceleralio of thekums secured by this Security Instrument, foreclosure by judicial proceed[ and sale of the Propery. The notice shall further mfor girowor of the right to reinstate after accelmation and the right to assed In the toreclosur proceeding the non-existence of a dal-uit or any other defense of Borrower to accolarlron and loreclosure. If the delaull is not cured on or before the data specified in the notice. Lender. at its option, may require Immediate payment in lull of all sums secured by this Security Instrument without further demand andmayi0yesIyea this Securiy, instrumenlbyfucreal proceeding. Lender shall be entitled locollect all expenses incurred In pursuing the rmodia4'9IL hick. In This paragraph 21, Including. but not limited to, reasonable aaomeys lees and coals of the title evidence. 22. Release. Upon payment ofalia msgecurelf by this Security Instrument, Leader shall release lhis Sacentyrostiument.without charge, to Borrower. Borrower shall Day any recoi0ppltSli d, sls. 20, Attornsys'Fen. As used in this SadL.dlr minent antl lha Nolo,'atlorneys'loos' shall include anyattomoys'lees awarded by an appellate court 24. Riders to this Security Instrument. Ho r or) Eiders are executed by Borrower and recorded together wlh this Security Instrument, the covenants and agreements of each such i{ a bail a Incorporated Into and shall emend and Supplement the covenants and agreements of this Security instrument as 11 the rider(s)isv e a pad this Secutity Instrument. (Check Applicable Box) ay`^� El Adjustable Rate Rider ❑ Rale Irtlp nld � Rider El Condominium Rider ❑ Graduated Payment Rider El1.4 Family NI ifi' ❑ Second Home Rider � I El planned Unit Development Rider Balloon Rider El Blwaekly Payne,fll or ❑ Other(s)(specify SIGNING BELOW, Borrower accepts and agrees to the terms and coven is gained In this Security Instrument and in any hall executed by Borrower and recorded with It. Signed, seated and delivered In the presence of Witness Signature �♦tiil( _ Signature "L1�-[-'-i..l U!! L.. Borrower C� i.an, an Witness Print Namo:r�%l(Y}vi.. E(gv-�q .._. Signature. - Borrower Witness Signature:._.Is- Witness Print Name: .a ,LJL{� -_. Address v542 Tu ,.1lb A e. LnmokalbFlorida 34142 STATE OF Florida COUNTY OF Collier... I hereby candy that on this day, before me, an officer duly authorized in the state aforesaid and In lh cal`nty aforesaid to take acknowledgements, personally appeared Coliansa Julian to me known to Ise the person(s) desc�iK eo�d In and who executed the foregoing instrument and acknowledged before me that HE/ SHE/ THEY executed the same for the purpose therein expressed. WITNESS my hand and ofhcial seal In the County and Slate aforesaid this June1 .2001. My Commission Expires: DU.-. 0 _b J V Not Public's Sgnallm 4.1 CC....0 r1 .. Nolarys Printed Name (SEA.. ..,,,ed.wP INSTR 5457674 OR 5439 PG 1180 RECORDED 10/11/2017 4:00 PM PAGES 2 DWIGHT E. RROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA REC $18.50 Prepared by: Wendy Klopf Collier County Community & Human Services Division 3339 E, Tamiami Trail, Building H, #211 Naples, FL 34112 THIS SPACE FOR RECORDING RELEASE OF LIEN KNOW ALL M04 Y;T SE PRESENTS: That Collier County, whose post office address is 3299 E. Tamles, Florida 34112, the owner(s) and holder(s) of a certain Impact Fee Waiver Agreements`' e uted by Immokatee Habitat for Humanity, Inc. to Collier County, having met ttiyear affordability housing obligation associated with the $67,864.72 of SHIP Impact Fee Waiv�ers'f;yrhich is hereby acknowledged does remise, release, quitclaim, exonerate and discharge fiom,;th�� lien and operation of the said agreement, that certain portion of the premises conveyed by said, lea moke particularly described as follows: The undersigned is authorized to and dt named properties, and consents to these said properties. Exhibit A release these Liens with respect to the above- lg forever discharged of record with respect to This Release of Lien was approved by \t1f"•; o, pt- to 2017, Agenda Item Number y5�-i� ?1l W T p4 Rd `CLERK 1' t n �111 BOARD OF COL Yi h) _$ By: Q1MtLERK P] 'praaval.E�ffih�and legality: Jennifer A. Belpedib) Assistant County Attorney of County Commissioners on 0'f�� fY, FLORIDA NY TA AIR�f *** OR 5439 PG 1181 *** EXHIBIT A Various lots as listed below for, Naples Manor Extension, as recorded in Plat Book 3, page 101 of the Public Records of Collier County, Florida. County Managers CO"da' 15 year affordability Legal Description Folio Lien Impact Fee Approval " : end date (O"S Amount ;; Naples Manor Extension, 7/3/1995 06( 0%9 _4 ':06/30/12 Block 2, Lot 10 62200560003 2083/1369 $6,169.52 :,;:°°` • `, Naples Manor Extension, 7/3/1995 04/15/96 •'`6 F, /11 Block 5, Lot 8 62203200001 2083/1383 $6,169.52 Naples Manor Extension, 7/3/1995 04/15/96 04/•-1�5J14, Block 5, Lot 62203240003 2083/1390 $6,169.52 a. 'V / Naples Manor Extension, 7(3/1995 01/31/97 011302 Block 6,Lot 2 2083/1411 $6,169.52 7/3/1995 12/27/96 f.. 12/27/1 j Apples Manor Extension, 1}lock 6, Lot 3 r62204330006 2083/1418 $6,169.52 Ala �` Manor Extension, 7/3/1995 03/19/97 03/19/12 't..:l' LotS 2083/1528 $6,169.52 ple or Extension, 7/3/1995 03/19/97 03/19/12 Blod(.," '1,6 2083/1535 $6,169.52 Naplx Mai[ri �Extension, 7(3/1995 03/19/97 03/19/12 Block 62204960007 2083/1549 $6,169.52 Naples #4 xE nsion, 7/3/1995 04/15/96 04/15/11 , Block 11,` oE43.'`;;: 62207080007 2083/1556 $6,169.52 Naples Man r Lz}eii'_ Qn, 7/3/1995 06/09l97 06/09/12 Block 13, Lot3:'': ,-";•,`•t, 62207760000 2083/1563 $6,169.52 Naples Manor EMt 'si > . 7/3/1995 06/09/97 06/09/12 Block 13 Lot4 ,; %, . 2207800009 2083l1570 $6,169.52 Total $67,864.72 R9tt: 2831346 OR; 2864 PG; 0918 OBLD BEDO.PC HUI RICOADED In th! OPPICIAL RECORDS at COLLIER COUN11, Pilf PIE f,50 1911ROPPICSIHORSISHOR DR 01121 '2N1 at 02:21pN DYIONi E. BROCE, CLERK D*.ES rout o VINDI DLOPp SECOND 14ORTC AGE THIS SECOND MORTGAGE ('Secudry Instrument-) Is given on June _.19 2001. The Second Mortgagor Is: sister autos ('Borrower'). This Securlty lnslrument is given to^ Collier Comm__ _(`Lender). which is organized and existing under the laws of the United Stales of America, and whosaaddrosslS3050 North If rsashoe Drive MlA5 Naples, Florida 34104 Borrower owes Lentler the sum of Tarts Taousand Tares Buadred dollars end No/100 (U,S. S� 700.00) . This, tlebl is evitlenced by Bofrowere Note dated the Same dote as this Security InsUumont ('Second Mortgage'). which provdea for monthly payments, with the full debt, II not paid earlier, due and payable on ■sl• a! DroPerty. Li an • or lose of hxxaatead exesntioa, Thls Securlry lnsimmenl Secures to Lender: (a)lhe mpaymenl of the debt evidenced by the thole, wllh InteroSl, antl ell renewals, eMenslons antl modilicallons; (b) the payment of all otrer eume, with Iniorest advanced under paragraph 7 to Orotecl the Secutlry of the Security Inslrumenl; end Ic) the pedonnaoce of �� 9Ye covenants and agreements under ihts Socurity lnaWment end the thole. For this purpose, Borrower does hereby Second men rent end convey to Lander the lollowlnp descdbeproperry located In Co111er Counn�.Flodde. More particularly deecilbyo ,5 t_73 BloddkMich has thManor e addresetoPahlla RecOrda of Co11Nr County, Florida. Fo1bF E220EEE0000 ('Property Address'): ��cM sri vv, TOGETHER WITH all the nn//provemenis now or hereater erected on the Droperty.and all easements, rights, appurtenances, rents, royalties, mineraL oil and gas rights and profits, water rights and stock and all IlMures now Or hereafter A pad of the properly. All replacements and sodtilons shall also be 07,wy the Security InsWment. All ofthe loregoino is referred to In thisSocurly InsWment arethe 'Property.BORROWERCOVENANTS Ihe1er is lawlullyselzed of the estate herebyconveyed and has the light to mon9a9e,grant and convey the Property and that the Propst —�ch, red except for encumbrances of record. Borrower warrants and will defend generally the (file to the Propedy agalnsl all clalmye ad d mends, subject to any encumbrances of record. THIS SECURITY INSTRUMENT comBl hi(. covenants for national use and rion-untlonncovennts with limited vadaeon by fudadkllon to UNIFORIM COVENANTS. Borrower and tbni Qt�2D9real ard and agree as follows: f. Payment of Principal end Internist; Pripsyl drl�Ufa Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Nola. 'J 'r, `war rents or rates riot to the accrual of anypenaNesalnleresl 2. Taxes. The Mortgagor will pay all taxes, a njsdj ,is) p thereon. The Mortgagor shall pay orceuae to be Deld, as lhe"a mo rbs��e�eGGlively become due. (A)li) all taxes and governmental cnaryes d any kind whatsoever which may at any lime be lawfully aseea I leyid8.agalnst or with respoct to the Property, (2) all utility end other charges, Including -service charges', Incurred orImposed forthis ratly��,maintenance,use,occupancy, upkeep end krproverrenlol the Property, and (3) all assessments or other governmental chergesr Ipi) Fn$� lawfully be paid in fnaneilments over a period of years, the shall ha nbtlmlad under the Mortgage to pay of cause 10 be k0q orq'0gch Installments as are required to be pad during the term of ma m,myayn, m,.,o m,. v-••v....—•^•-, - -.. 7. Appllostlon of payments. Unless appikoble lew provides oche a atlpayments facelood by La r ; Until, to Interest doe;and. to pdhopal due, and lost 10 any late charges duo unddrt a Nol7,;\ 4. Charges; Lions. Borrower Shell pay all taxes, essessmonla,illig4g and Impositions atmbutable fo the Propartywhkh may attain priority over this Security Instrument, and leasehold payments or grbuehlq., lsany. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph, end ell receipts evlda rigp pa tits. Borrower shall promptly discharge any Ilan which has priority over Ihle Se�Drity I .meal unless BanOW: (a) agrees in "ling to the payment of the Obllgalim secured by the lien In a meanest aoo0ptable to Lender; (b)9r�esls In good faith the Ile by, a delendsagainst enforcement of the lien In,, legal proceedings which In the Lenders opinion operate to prevent apyyle oicereenl of are lien; Or to) wares from the holder of the lion an agreement sallsftolory to Lender subordinating the lien to this S40� ty lQaNWmeal. it lender determines that any part of the Property b subject 10 a Ilan which may again pdontyOver the Security Insuumeb6 Lepdef may give Borrower a notice identihring the Ilan. Bormvrer shall satisfy the Ile, clicks me or mefo of the actions sot forth above µiIM 19-de of the giving of talks. e. Hanrd a Property Insursatca. Borrower shell keep the IMPlovements now 011sang di eroafter erected oo the Property Insured against lose by [Ira, hazards Included within the ton dended coverage" and still oth�{Thezei s;Igqctuding foods or flooding, for which Lender regUlfOo Insurance. This Insurance shall be maintained In the amounts and lot the periods that Lender requires. The Insurance carrier providing the Insurance $hall be chosen by Borrower subject to Lender's epprd�vp I; jvhk Ahall not be unreasonably wllhhed. if Samovar fells to maintain coverage described above, Lender may, at Lenders option, obleln do ,a- to protect Lender's rights in the Property In aocordanco with paragraph 7. At all gross that the Note is outstanding, the Mod9agorSthe11 inel njMtha,cewithrespect to the Promisee against Such risks and for such amounts as are customarily Insured against and pay, as Ines,qmebei;Orne dueandpayable. ell pferNums In respect thereto. Including, but not IIn d to , all-risk Insufance protecting the Interests 61 Mortgagor Mortgages against tole of damage to the Premises by Ilre, Ii9hlneg, and other casualties customadly Insured against (Including boiler expioalm, It appropriate), with a uniform standard extended coverage endorsement Including debit$ removal coverage. Such Insurance el ell em0s to be In an amount not lase than the full replacement coal of the Premises, exclusive of footings and foundations. All Insurance policies and fenowals shell be acceptable to Lender and shall Include a standard mortgage clause. Lerdarshee have the fight to hold the policies and renewals. if Lender requires, Borrower shell promptly give 10 Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shell give prompt notice to the blsurence carrier and lender. Lender may make Proof of loss If not made prompty by Borrower. Union Lender and Borrower othelwas agree In writing, Insurance preceods shall be applied to reslorallon a repair of the Property damaged, II the restoration or repair Is economically leaslbls and Lendor's Security is not lessened. If the restoration or repalr Is trot economically feasible or Lenders security would be lessened, the Insurance proceeds shall be applied to the sums aecured by the Security Insl.ment, whether or not than due, with any excess paid to Borrower. II Borrower abndons the Property, of does not answer within 30 days a notice Irni Lender Ina! the Insurance cards has offered to settle a claim, then Lender may collect the Insurance proceeds, lender may use the proceeds to repalr onshore the Propertyarto pay sumssecured by This Securityinsl.meal, whethera notthendue. Tire 3P day petled will bag when the notice le malted. Unteas Lender end Borrower otherwise agree In writing. any application of proceeds to prindpel shall n01 eMord or postpone the due dale of the monthly payments retorted to In Daro9raPh i or change the amount of this peymenta. II under paragraph 21 the Property ts acquired by lender, BOnoweYe nphl to any Insurance petioles and proceeds reeullMg Isom damage to tM Propeftypnor to Ina ecqulellbn shell pass io Lender to the extent of the sums secured by this Seedy IfuWmenl irmyadamry prior to tie acquislkm d, 17coupenoy, Pnsarvslbn, Makltsflsfros and Protection of the Property; Bonlowsr's Lose Application, LwHroMa. Borrower shell occupy, eeI I It, antl use the Property as So were, pnoclpal residence within slaty days after the exeoudm 01 Mb Security Instrument end Snell contnue to occupy the PropeM all Borrowers principal residence la at teast me year eller the data of occuperay, unle6e Lender ahenNse agrees In wntlrg, which consent shall not be unreasonably rdlhhed, or anise$ BMenuellnp circumstances exist w I".La beyontl 8ofic recontrol.So,""hall not de'roy, damage orimpalrlhe Property, elbwthe Plapalybdelelkrale, orcOfmtll waele On Propedy. Semi shall be In default t any fodollure action or proceeding. whether civil or cdminal, is begun that in Lenders 0 OR; 2864 PG; 0919 Yom 0 Lenders secualy inle osl. Borrower may cure such a default and reinstate, as provided in paragraph 18, bycauengtho action or proceeding to be dismissed with a ruling that, In Lenders good faith determination, precludes lodeituro of the Borrowers Interest in the Propenyur otter material I mpabmenl of the lien created by this Sac only lnsuume nr or Londe rs security Incest Borrower shall alsobe in delouk ll Borrower, during the loan application process, gave materially (also or inaccurate Information or statements to Lender (or tailed to provide Leader with any material information) in connection will the loan evidenced by the Note, Including, but not limited to, representations concerning Bonowors occupancy of the Properly as a principal residence. II this Security Instrument is on a leasehold, Borrower shall comply with all the provision of the lease. tt BOrewer acquires fee Mlle to the Propany, the leasehold and the lea title shell not merge unless lender agrees to the merger in writing. 7, Protection of lender's Rights In the Property. If Borrower laps to perform the covenants and agreements contained in this Security Instrumenl, or there Is a legal procoodlng that may significantly affect Lender's rights In the Property (such as a proceeding In bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender maydo and payfor whatever Is necessary to protect the value of the Properly and Lenders tights In the Property. Lender's actions may Include paying any sums secured by a lion which has prionly over this Security Instrument, appearing In court, paying reasonable atlomeys'tees and entering on the Property to make this paragraph Although shall become addittake ional debt of Borrction under this oawerr secured by this Secu try Insgumeni. Unless Boragraph 7, Lender does not have to do so. Any rrower and and Lender staurced by greLenetooter terms of paysnenl, the so amounts shall bear interest from the dale of dlsbursemonl at the Note rate and shall be payabb, with Interest, upon nonce from Lender to Borrower requesting payment. 8. Mortgage Insurance. It Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance In effect. 11, for any reason, the mortgage Insurance Coverage required py Lander lapses or ceases to be In effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent lo'1he' ongage Insurance previously In effect, at a cost substantially oqulvalem to Ina cost to SwOmr of the mortgage insurance p,(swJoL�y in effect, from an alternate mortgage Insurer approved by Lender. If substantially equivalent mortgage Insurance coverage is Moravad p{e, Borrower shallpay to Lendoreach month aeum equal to one•twelllh of the yearly mortgage Insurance premium being paid by Boer fl the Insurance coverage lapsed or ceased to be In all Lender will accept, use and relaln Leese payments as a loss reserve �n eu 1 ongage Insurance. Loss reserve payments may no longer be required, at the option of Lender, If mortgage Insurance coverage Ioifio' mount and for the period that Lender requires) provided by an Insurer approved by Lender again becomes available and is oblaYretl% ogoiger shall pay the premiums required to maintain mortgage Insurance in effect, or toprovde a loss reserve, until the requilemenl for 7 o9sge nsurance ends In accordance with any written agreement between Bonowar and lender or applicable law. 9. Inspection. lender er its egepl. ay make reasonable entries upon and inspections of the Property. Lander shall give Borrower notice at the time of or prior to an ing Zion speclly,ng reasonable cause for the Inspection. 10. Condemnation.The Ohli `of any award or claim for damages, direct or consequential, In connection with any condemnation or other taking of any part o1 the - "party, offer conveyance In lieu of condemnation, are hereby assigned and shall be paid to Lender. In the evenlol alobl takingof lira Pi petty; the rocoeds shall be applied to the sums secured by this Secunrylnslrument,whether or not then due, with any excess paid to Borrower' In th event of a partial taking of the Property. In which the left market value of the Property Immediately before the taking is equal io'6( tog�v),hantheamGum of the sums secured by this Security Instrument lmmedlataly before the taking, unless Borrower and Lender olherw�p agree In wriling, the sums secured by this Security Insternani shall be educed by Ina amount of the proceeds multiple by the to It @blYpriy (a) the total amount of the sums secured immediately before the eking, divided by go) the felt market value of the Progeny Intm 4the 0'GIG the taking. Any balance shall be paid to Borcovrer. In theevent of partial taking of the Property II which Iho lair market value q((tKecPraaRany Immediately before the taking Is less than the ameunl of the sums secured Immediately for the faking. unfese par ran e9MOM gqrr.wiso agree in writing or unions applicable law otherwise provides, the proceeds shall be applied to the sums Secated by this SAcJit Im 1p)Of whether or not the sums ale than due. Unless Lender and Borrower olhelwlse agree In writing, any appI often of prods its to priAcipal shall not extend or postpone the due date of the monthly payments retorted to in paragraphs I or change I amount o sud�yy Bats. if. Borrower Not Released, Fie "once By lenlNr Not a . giver. Extension of the time lot payment or rlloddkatlon of amortization of the sums secured by thisSecurfry Instrument p,am, by anslpy to any successor In Interest of Borrower shall not operate b release the liability of the original Borrower or Bonowors successors nily t�agt. lender shall not be required to commence proceedings against any successor In Interest or feluse to extend limefor pa ant ofclaim 6 ilyamonizationorthesumssecuredbyth"Kunty Instrument by reason of any demand made by the original Borrower or Bgrrow4.aauccossors In interest. Any forbearance by Lender In exercising any dghl or remedy shall not be a walvoi of or preclude the a anp(�Sol9j'yylghtorrfemedy. 12, Successors and Assigns Bound; Joint and Bewral Llnoff I ; co.�II . The covenants and agreements of this Security Instrument shall bled and benefit the successors and assfpne of on or and @60ros4of. supYecl to the Provisions of paragraph 17, Borrowers covenants and to, Arts shall be toiftl qJd SOvqral. Any Borrower who co-signs this Security Instrument but does not execute the Nola; (a) Is co-signlnp this Security Insburdapl.Only 6 mortgage, grant and convey that Borrowers Interest In the Property under the terms of his Security lnstrumenCggisinol porsoriaI o [gated to pay the sums secured by this Security Instrument; and (c) agrees That Lender and any other Borrower may agree to extend, moddy 0,rhoar or make any accommodations win regard to the terms of this Security Inahumenl or the Note without that Borrowers consent. �, j III. Loin Charges. if the loan secured by tits 9Scudry Instrument is subject to, lawarfiki� sets maximum bon charges, and that law is finally Interpreted so that the Interest or other loan charges collected or to bo collected l nn' h`Ot`Yarn the benezceedthe permitted gaills,then:(a) any such loan charge shalt be reduced by the amount necessary to ounce thee lia�o., pennlaidllma:Udge)anysum, almadycollected from Borrower which exceeded permitted limits will be refundedlo Borrower. Londet y>ahoose to make this rotund by educing the principal owed under the Note or by making a direct payment (a Borrower. if a Telulida o IncipaLlheeductionwillbo treated as a partial prepayment without any prepayment charge under the Nola.,�`' 14, Notices. Any notice to Borrower provided lot In this Securitylnstrumonl shall be gluon by degv Ar, floibymailingltbylusl class mall unless applicable law required use of another melhod. The notice shall be directed to the Property AQg!ags or any other address Borrower designates by notice to lender. Any notice to Lender shall be given to Borrower OI Londerwrfien:glvon as provided In this paragraph. �/ 18. Bove/ning Law; 90venbllity. This SOcunly lnslrumenl shaft be geYemed by fetleral law and the law of NejurlsdiCibnln which the Propedy Is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable taw, such conflict shall not offset other provisions or this Security Instrument or the Note which can be given effect without the conflicting provision. To this and Iho provisions of this Security Instrument and the Note are declaretl to be severable. 19. Bofrower's COPY. Borrower shall be given one conformed copy of the Note and of this S rounry Instrument. 17. Tronsfercl the Propertyof a Bonegolai interest In Borfowo. Ifallor anypadol the Propertyor anyinterest In.Ile soldor transferred (or It a beneficial interest In Borrower Is sold or transferred and Borrower Is not a natural person) without Lenders prior wetten consent, Lender may, at lie option, require Immediate payment In lull of all sums secured by this Security lnslrumenl. However, this option shall not be exercised by Lender It exercise Is prohibited by federal law as of the dale or this Security instrument. I I Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period or not loss than 90 days from the date the notice is dalivOrOd or mailed within which Borrower must pay all sums secured by this Security Instrument. II Borrower lairs to pay these sums prior to the expiration Of this period, Lender may Invoke any remedies permitted by this Security Inslrunwnt Without further notice or demand on Borrower. 18. Borrower's Right to Reinstate, If Bottom( meets certain conditions, Borrower shall have the night to have enlulcement 01 this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may spectfy for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrumen; or (b) entry oI a judgment enforcing this Security Instrument. Those conditions are that Bottom(; (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 and delault of any other covenants or agreements; (c) pays all expenses Incurred In enforcing this Security Instrument. Including, but not limited to, reasonable attorneys fees: and (d) lakes such action as Lender may reasonably require to assure that the lien or this Smutty Instrument, Lenders tights In the Property and Sonovwre obligation to pay the sums securetl by this Socully instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain lofty allocllve as 11 no acceleration had occulted. However, this right to reinstate shall not apply In the case of acceleration under paragraph 17. 2 , Iid.vp &* OR: 2864 PG: 0920 *** sosw o 19, Salo of Note, Change of Loan Servku. The Note or a panlal interest In the Note (logether with IMs Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change In the entity (known as the 'Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. There also maybe one or morechanges of the Loan Servlter unrelated to a sale of the Note. If there Is a change of the Loan Servitor, Borrower xwll be given written notice of the change In accordaroo with paragraph 14 and applicable law. The notice will stale the name and address of the now Loan Senior and the address to which payments should be made. The notice will also contain any other Information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do. nor allow anyone also to do, anything allecting the Property that is In violation of any Environmental Law. The procoding two sentences shall not apply to the presence, use, or storage on the Property of Small quantifies of Hazardous Substances that are genemlly recognlzod to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice Ior any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agencyor private party involving the Property and any Hazardous Substance or Environmental Lowell which Benower has actual knowlodge. 11 Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other mmedlmon of any Hazardous Substance affecting the Property Is necessary, Borrower shall promptly take all necessary remedial actions In accordance with Environmental Law. As used in this paragraph 20,'Hazamous Substances' are those substances defined as toxic or hazardous substances by Environmental Law and the following substancesgasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials contain Ing asbestos or formaldehyde, and radioactive malorfals. As used In this paragraph 20,'Environmental Law' means federal lava and laws or (he lunadichon where the Property Is located that relate to health safety or environmental protection. 21. AccsN(f hedies. lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agraem9 N " gourity Instrument Ibul not prior to acceleration under paragraph 17 unless applicable law provides olherwlso). The notice ahgu, peq I a)the default:(b) the action required to cure the delaull;(a)a date, not less than 30 days Imm the date the notice is given to BorrovjarY6y tVrh hthe default mull be cmed:and (tl)that failure to cure the default on or before the dale specified in the notice may result in accelLaraliiln I -the sums secured by this Security InStr MIMI. loreclosure by judicial proceeding and sale of the Property. The notice shell 1�'rlhe[ ni4rrrl, Borrower of the right to reinstate alter accalarallon and the right to assert in Ih0 foreclosure proceeding the non-existence of anst'ay11,f any other defense of Borrower to acceleration and foreclosure. llthedefaullisnotcurodonor before the date spocilled in the d4 C Lentler, at its option, may require immediate payment in lull of all sums Secured by this Security Instrument wilhoul lurther demand and may foreclose this Security Instrument byludiclal proceeding. Lender shall be emitted tocollect all expenses Incurred in pursuing the rergedlos taAdod in this paragraph 21, Including, but not limited to, reasonable attorneys loos and costs of the title evidence.' 22, Rdeass. Upon payment of pit go/r charge,to Borrower. Schomer shall pay anyrel 23, Attorneys' Feas. As used in IMs; by an appellate court. 24, Riders to this Security lnslrume Instrument, the covenants and agreements of as agreements of this Security Instrument as II the ❑ Adjustable Rate Rider ❑ Graduated Payment Rider Secumy Instrument Lender shall release this Socuny Instrument, without I and the Note. 'anornoye lees' Shall Includo any allomoW lees awarded '.. 1 ]lDpper more riders are executed by Borrower antl recorded together with this Security h suc riUd(St)all be Incorporated Into and shall amend and supplement the covenants and cars Wei p@rt of this Security Instrument. (Check Applicable Box) ❑ fe.lr0ounmenl Rider ❑ Condominium Rider M Balloon Rider ❑ Biweekly ❑ Other($)(Specify SIGNING BELOW, Borrower accepts and agrees to the terms executed by Borrower and recorded with It. Signed, sealed and delivered In the presence of: Borrowdral Witness Print Name:_—-.-_Slgnelute:. �'`• Borrower Wllness Slgnolure:...1i.`LL_.�=�I-.�+- Witness Print Print Name: Address: ❑ Second Home Alder ❑ Planned Unit Development Rider In this Security Instrument and In any rider(s) St STATE OF__Ffodda. COUNTY OF_ Collier__.. I hereby codify that on this day, before me, an officer duty allthorized in the slate afomsaifartp , by county aforesaid to lake acknowiedgemonts, personally appeared Ester Hueties, to me known to be the persons) descnturd In the who exacutod the lcegoing Instrument and acknowietl9od before me that HE] SHE/THEY execmetl the same Ior the purpose Ihereln expressed. WITNESS my hand and official seal In the County and Stale aforesaid this Juno / , 2001. My Commission Expires:p�u'p�ICs S19l__�1•U- --- - -- - No do I (' .d) pir -_ _-. -... ... Notarys Printed Name (SEAL) `h.,, o.,r ., e�um•,w O "A;rf:r x COVV 1t'' [•Mu•. 111ee[x •� k: nNmu npl u.rf � INSTR 5578725 OR 5527 PG 409 RECORDED 6/28/2018 3:59 PM PAGES 2 CLERK OF THE CIRCUIT COURT AND COMPTROLLER, COLLIER COUNTY FLORIDA REC $18.50 Prepared by: Wendy Klopf Collier County Community & Human services Division 3339 E. Tamiami Trail, Building H, #211 Naples, FL 34112 THIS SPACE FOR RECORDING RELEASE OF LIEN KNOW ALL M N,y HESE PRESENTS: That Collier County, whose post office address is 3299 E. Tamiami ra , Ntilples, Florida 34112, the owner(s) and holder(s) of a certain Impact Fee Waiver Agreements routed by Immokalee Habitat for Humanity, Inc. to Collier County, having met tli 15 year affordability housing obligation associated with the $80,203.71 of SHIP Impact Fee Waiyers; owhich is hereby acknowledged does remise, release, quitclaim, exonerate and dischI lien and operation of the said agreement, that certain portion of the premises conveyed by sai`Aen, mare particularly described as follows: I *e Exhibit A The undersigned is authorized to and does he by release these Liens with respect to the above - named properties, and consents to these I igns e'ilrg forever discharged of record with respect to said properties. This Release of Lien was approved by",,sf6e e$oard of County Commissioners on - n�IY\ 2018, Agenda Item Number CRYsrxi. ATTEST' ,1 v�VON, L' BOARD O �U CO M S OF COL T y: u is a By: A tall 8 ANDY SOLIS, C�HA RMAN sy na1I � t, pprova or onn an ality: f2yy%Assistant County Attorney *** OR 5527 PG 410 *** EXHIBIT A Various lots as listed below for, Naples Manor Extension, Amended Plat according to the plat thereof recorded in Plat Book 3, Page 101, of the Public Records of Collier County, Florida. BCC 15-year Impact Impact Fee Resolution 0 approval- CO date affordability Legal Description* Fee Amount date..: end date (OR/Page) 94-377 6/7/199 .,f,9f21. 1995 9/21/2010 Lot 1, Block 5, Naples Manor Extension 1956/0918 $6,169.52 94-378 6/7/1994 `-_;. a/1� 5 9/21/2010 Lot 2, Block 5, Naples 1956/0924 $6 169.52 ' Manor Extension 94-385 9/7/1994 12( 1/1995 I2/31/2010 Lot3, Block 5, Naples Manor Extension 1956/0966 $6,169.52 93-468 6/7/1994 e 6/24j199A-` . 6/24/2009 Lot 22, Block 4, Naples Manor Extension 1956/1065 $6,169.51 94-379 6!7/1994 4/8/199'q "AC812011 Lot27, Block 4, Naples 1956/0930 $6,169.52 :: Manor Extension 94-383 6/7/1994 12/31/1995 `:'12(3 /2a10 Lot 28, Block 4, Naples 1956/0954 $6,169.52 Manor Extension 94-382 6/7/1994 2/1/1995 (" )!� 21t/010 Lot 30, Block 4, Naples 1956/0948 $6,169.52 r'. Manor Extension 93-471 6(7/1994 6/3/1994 6/3/Imanor Lot 45, Block 4, Naples 1957/0299 $6,169.51 nor Extension 94-381 6(7/1994 7/26/1995 7/26/p Block 7, Naples1956/0942 xtension94-376 $6,169.52 6/7/1994 7/31/1995 7/31/'14-131ock 8, Naples1956/0912 IA 'Aftension $6,169.52 93-465 6/7/1994 6/24/1994 6/24/;<3;1xtau 1I,Naples1956/1093 $6,169,51 iloAx,telrsi - n 93.466 6/7/1994 6/24/1994 6/24/nor 34g� do 11 Naples 1956/1079$6,169.51 Erns' u.6/7/1994 6/3/1994 6/3/t32,131a� 11aples nor Exterssio 1956/1086 $6,169.51 0 2826279 OR; 2858 PG; 2944 pets; HOl 1 1NT1R•OPPIC6 11,01l i :h the CPIICIAL RICCRDI of COLLAR t0'J9!Y, PL C;LC 71CO,CC WINDY (LOP? SUIT :"t! it ^.9:51?N ;W::H'. ?. 9P.CCR, C:3rI C2Li 119C.00 09- 1 Ric H11 '5.^c SECOND MORTGAGE ODC, lit 11 w THIS SECOND MOM GAGE (`Security Instrument-) is given on Apm 6, 2001. Tho Second Mortgagor ts' Gladys Sanon ('Borrower'?. This Security Instrument is given to Collier County ('Lander'), which IN orginued and existing under the laws of the United Slates of Allows, and whose address Is 1050 North Horseshoe Driver YI{5, Napl•a. Florida 34014, Borrower owes Lander the sum of Three Thnuund Three Hundred and Noy 100ths Dollars (U.-s 3,300.00 ). This debt is evidenced by Bormli Note dated the same data as this Security Instrument (`Second Mortgage`), W1110 provides for monlhlY PaYmu re. wllh ilia full on bL II not paid earlier, due and payable on sale of property, zelinancer or Ions of homestead exemption. This Security Instrument secures to Lender. (a) the repayment of the debt evidenced by the Note, wiiM1 miemsL antl all renewals, extensions and modifications; (c) the payment 01 all other sums, with interest advanced under paragraph 7 10 project the security of the Security Instrument; and (c) the podonnance of Borrower's covenants and agreements under this Security Instrument and thu Note. For this purpose. Borrower dues hereby second olorigayo, giant and convoy to Lender the hollowing described property located Florida As more pamcularly described as Lot 22. block 4, Naples Manor Ext. Folio Y 02201680005. Collier County, Florida and which has the address ol. I -Property Address-): TOGETHER WITH allahprn^npr' emenls now or hereafter erected on Ilia property, antl all easements, nyhls, apVunenances, rents, royalrms, maeral. oil and gas ngnt3an�0ppJJ[dlps, water rights and stock and all axluus flow or homaner a pan of the property. The Sacumy IIndianiunl shall also cover all mplasof Vis k44d additions. All of the foregoing is retorted to in this Security Instrument as the 'Property'. BORROWER COVENANTS,IhAtA.yAwar is lawfully soiled of the estate hereby conveyed and has the tight to mortgage, grant and convey the Property arid that Ilia Propeviy is unencumbered. except for encumbrances of record. Borrower warrants and will defend generally the title to the Properly against all claims and dnmorlds, subject to any encumbrances of record. THIS SECURITY INSTRUMENTIcofmkmo' uniform covenants lot national use and nomumlorm covenants with (muted variation by jurisdiction to constitute a umlonn secuuly IY'sl+pm il covering real property. UNIFORM COVENANTS. eorrmvena9 Lender covenant and agree as follows. 1. Payment of Principal and Interco(; far epa ?pa and Late Charges. Borrower shall promptly pay who,) duo the pnnclpai of and Interest on the debt evidenced by Iho NoIO. 2, Taxes, The Monyagor well pay all naxes,U'nmprils, sower rants of wale, ones prior to the accrual of any penalties or interest Ilmmon The Mortgagor shall pay or cause no be paid,'is jfi9 B if hespecllvely buttons duo, tA?(i f all taxes and governmental chargos of any kind whalsoever which miry al any lame be lawfully assedVdin invl<ld aoamst o, valh respect to the Propony, f2) all utility and other charges. Including "service charges', incurred or imposed for Ilia o b alien;, .3 reliance, use, occupancy, upkeep and Improvement of the Property, and 171 all assessments or odor govi n tramo l charges that mmafail yb. paid In installment* over a panod of years, the Mortgage? shall be obligated under the Mortgage to pay or cause to be paid only sort ITsla9rli ills as are required to be paid during the term of the Mortgage, mid shall, promptly offer the payment of any of the foregoing, form o Mq p�qo evidence of such payment. 3. Application of Payments. Unless applicable law prg0 'atKeiiyl all payments received by Lender shall be applied; lust. to Interest due', and, to principal due; and last, to any late charges due on of NQIa 4. Charger, Llano. Borrower shall pay all faxes. assess me'WS 'I I�eSt lilies and Impositions opubutabie to the Property which may attain priority over this Security Instrument, and leasehold payments or g(pC1i �df, ljo a it any. Borrower shall promptly furnish to Lander fill notices of amounts to be paid under this paragraph, and all Iecinds ovidencal tFo gyntual$. Borrower shall promptly discharge any lion which lies priority ovecafil��•,.-dc (11 Instmmonl unless Burrower: Id) agrees In writing to Ilia payment of the obligation secured by Ilia Iron in a mammr acceptably to L§rigor Q'),cjlT ests in good faith the Ilan by, or colones against enforcement of the lien m, logal hocoodings which in the Lenders opmlon 0pa9t vent Iho unlorcemonl of the lien; or (c) serums from the holder of the lien an agmerneld satisfactory to Lender subordmalmg the hen Io is SpduI g Instrument. If Lender delenmines than any part of the Property Is subject (o a hSe en, which may attain priority ever the curdy tivat 1 elf1. I.61)or may give Borrower a miles identifying the lien. Borrower shall salisly the lien or lake one or more of the actions set fault above wills)i. IC, s of the giving of Waco. 6. Huard or Property Insurance. Borrower shalt keep the unprovamumc now existing or hereafter eructed an the Property insured against toss by fire, hazards included within the term 'extended coverage' and any other hafa, sp{I'9I ding floods or a odmg, Ire which Lender amuses insurance. This Insuranco shall be maintained in the amounts and for the pmeds Ili I Ledopr mquues. The insurance cantor providing the insurance shall be chosen by Borrower subject to Lender's approval, which shall n0 bdd unreasonably wahheid. If Borrower lads to maintain coverage described above, Lender may, a1 Lender's option, obtain coverage to prate n,,,iP rights in the Pro rhy at accordance with paragraph 7. At all times that rho Note is outstanding, the Mortgagor shall maintain InsuranCa,(vI Te pgcl to the Promises against such risks and lot such amounts as are cuslomanly insured against and pay, as the some become tlue` d dbl all preneuns m ros'pock nheinto, including. but not handed to . all-risk insurance protecting the u9e rests of the Mortgagor and Mortgagee aggar ist ppss or damage to the Pfemises by her, lightning, and other casualties cuslomanly insured against (including boiler explosion, it approltr2joLvi fi� uniform standard extended coverage endorsement, Including debris removal coverage Such insurance at all limas to be in an amount riot; lop than the lull replacement cost of the Premises, exclusive of loonngs and toundalions. ?i All insurance policies and renewals shall To acceptable Io Lender and shall Include a standard in go clause. Lender shall have Ilia right to hold the policies and renewals. If Lender inquires, Rollover shall promptly give to Lander all receipts at paid premiums and renewal notices, In the event of loss, Borrower shall give prompt notice to the insurance earth, and Lender. Lender may make proof of loss it not made promptly by Borrower. Unless Lander and Borrower otherwise agree In winning. insurance proceeds shall be applied to mooration or repair of the Property damaged, d the restmalion or fepan is economically feasible and Lenders secuuly is not lossoned. If the restoration or repair is not economically feasible or Lender's "curtly would be lessened, the insurance Pteceeds shag be applied to Ilia sums secured by the Security instrument. whether of not Then due, with any exeaaa paid to Borrower. If Borrower abandons the Properly. or does not answer within 30 days a notice (rum Lander that the insurance carrier has offered to seltlo a clean, then Lender may collect the insurance proceeds. Lendor may use Ilia proceeds to repair or (notate the Properly or to pay suns secured by Ilia; Security Instrument, whether or riot than due. The 3O day poaod wilt larger when the noise Is traded. Unless Lender and Borrower otherwise agree at writing, any application of proeoods to poncipal shall not extend or postpone the duo dale of Ilia monthly payments referred to in paragraph I of change the amount of the payments. It under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property pilot to the aegoasihum shall pass to Londe, to the extent of the sums secured by (has Security Imsbument Immediately prior to the acquisition, 6, Occupancy, Preservation, Maintenance and Protection of the Properly; Borrower's Lan Application, Leaseholds. Borrower shall occupy, establish, and use the Properly as Bormer principal residence within sixty days after too oxecution of this Security inshumem and shall continue to occupy the P,openy as Borrower's principal residence for at least one soar after the date of Occupancy, unless Lander otherwise agrees in writing, which consent shall not be unreasonably withheld, or unloss extenuating arcdmslances Oxlsn which are beyond Borrowers control Borrower shall not destroy, damage or impair the Property, allows the Property to deteriorate, or comma waste on the Property. Borrower shall be in dolaull it any forfeiture action of proceeding, whether civil or cneunai, is begun that in Lender's good faith I Wgmmo could wail in lode lure of the Property or oihereaso materially impair (he lien created by this Security Instrument or Lender's socially interest. Borrower may cure such a defaull and reinstate. as provided in paragraph 16, by causing the action or ploceeding to tall dismissed with a ruling that, in Lender's good faith determination, precludes fodealuro of the Bonowei s interest in the Property or other malarial impairment of the lien created by this Security instrument or Lenders security Interest, Borrower shall also be in dolaull if Borrower, during the loan application proeoss, gave materially false or tnaccurale Information or statements to Lender for failed to provide Lander with any diamond OR; IL858 PG; IL945 ev orgaboni In eonneeten with Ins loan ovduncod by the Note, including, but not meted to, representations concemmg Burrowor's occupancy of the Pmpurty as a principal ruslduncd. li Iles Such illy historic In is on it leasehold, Burrower shall comply Wile all the provision Of the loaso. if Burrower acquires too nun to Ins Prulitel the leasohuld and the too hit So all (rut orange unless Lander agrees to the merger in writing 7. Protection of Lender's Rights In the Property. II Borrower fails to podurn life covenants and ageemems contained in this Secunly Instrument. or there is a Ingot proceeding that may Significantly affect Lenders rights if, Inn Properly (such as a proceeding in bankruptcy, probate, for condemnaeop or foliage or to enforce laws or regulations), leer Lendot may do and pay lot whatever Is necessary to project the value of the Property and Lenders rights in the Property. Lender's actions may include paying any Sums secured by it Iron, which has priority over this Security Instrument, appeared in court, paying reasonable attorneys' fees and entering oil the Property to make repays Although Londe, may take Relief' under this paragraph 7, Lends does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional dab] of Borrower Secured by this Security Inslrunieht. Unless Borrower and Londer ageo to clear were of payment, those amounts strait bear inmreet born the dale of disbursement at lire Note rate and shall be payable, with thinnest, upon notice Irma Lomler to Borrower requesting payment. S. Mortgage Insurance, a Lendur required modgage mstuanco as a condition of making fire 10,111 secured by Ihis Secunly Instrument. Borrower shall pay the peelings required to maintain the mortgage insurance in elloct. IL for any ruasun, this murlgago eIs'urance Coverage inquired by Lender lapses or ceases to On III effect, Burrower strait pay the prottuums minuend to oblan, coverage substantially equivalent to tile mungage insurance previously in street, at n cost substantially equivalent lu the cost to Borrower of the modgage resonance previously in effect, Irom an alternate reengage insurer approved by Lender. If subslenbeuy equivalent mortgage insurance coverage is not available, Burrower shell pay to Lender Orion th art a still, equal to onu dwilllh 011110 yualy lumbi o Insurance creating being Paid by Horrowor when Ina insurance coverage lapsed of ceased to be in effect, Londer will accept, use and retain these payments as a loss reserve n, Iran of mungage insurance. Loss reserve payments may no longer be required, at Ihu option of Lander, if reengage insufancn coverage pit the arneunt and for the period that Longer (equele) provided by an insurer approved by Lendur again becomes available and is obtained. Borrower strait pay the pleasure required to maintain rr,odg squ Insurance fit Offset, of to provide a loss reserve, until the requirement for reengage resonance ends in aceur�yIance well, any written agmemenl between Burrower and Londer or applicable law. g. InspeCllon, Lei, e1, rdsi agent may frisks reasonable entries upon and Inspections of the Properly. Lender shall give Borrower nullce at the bhw ui a pniif Ua n .-. den specifying reasonable cause ter Ilia Inspection. 10, Condemnatlort.- aPlocpntls OI any award of claim for damages, tluod of consequential. m connection with any condemnation fir other lakmy of any Van of tlePrily, or for convoyanco Ill Ilea of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of doe Pmpeny, the rpcoods Shall be applied to too sums secured by this Security instrument, whether of not then due, With any excess paid to Borrower` ILLtt eyeillol a padfal taking of the Propony, in which the eau market value of the Property immediately before the taking is equal to of greater man a mbunl of ilia sums secured by Ihis Security Instrument immediately before Ina taking, unless Borrower slid Leader olherwlso ayree r n11n the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following hamren. (a) the total amount of the settle secured immediately before the taking, divided by Be) the fair market value of tire Propany munediately before the taking.'A4 b ur nce shall be paid to Borrower. In the event of a pamal taking or the Property in which the last mankot value of the Pfopudy immedla rIj.J fore the taking is loss than tie amount of the sums secured Immediately for the taking, unless Borrower and Lender otherwise dglBe I(( ing of unless applicable law othewisa provides, the proceeds shall be applied to the sums secured by this Security Instrumonl whether el ii t the sum k are Ilion due. Unless Longer and Borrower otherwise agree in writing, any application of proceeds to principal shall not oxlenQop Ip a the due date of ilia nronjafy payments merged to In paragraphs I of change rife amount of such payments. -t If. Borrower Not Released, Forbearancesnder. Not a Welver. Extension of the Irate lot payment or modification of amortization of the sums secured by this Security Instigate I 6(at'dd by Lender to any successor in interest or Borrower shall not operate to release the Ilebnily of (he original Borrower or Borrower -it �Iµ S r m Inlarusl. Louder shall not be required to cemmance proceedings against any successor in interest or refuse to extend time toy ay1 , nl t ceramists noddy organization or the sums secured by this Secunly Instrument by reason of any demand made by the original SoI,a or onower's successors it Interest. Airy forbearance by Lander ,I exerclsmg any right or remedy shall not be a waiver Of or pfeclud'i I yx6}plse of any nghl a remedy. 12. Successors and Assigns Bound; Joint and ff"061l,lab I ty; Cc-Slgnere, The covenants and agreements or this SecurityInstrument shall bind and benefit the successors antl assigns of Lead nbrBonewor, subject to the Provisions of paragraph 17. Borrower's covenants and agmemems tat] bit tegand several. Any Borrower who co-signs this Security instrument but does not execute Ilne Nolo. (a) Is ro•slgnmg this Secunty�ni;,,igrlft only to modgage, grant site convey that Borrower's interest or tire Propody under the forms of this Security instrument: (b) is not par4PydII Institutions.ated to pay the sums secured by this Security Institutions. and (c) agrees race Lender and any other Borrower rely Was to extend. "Oriih, for err or links any accommodations with regard to trio terms of this Security Instrument or the Nola without that Borrower's consent.- 13. Loan Charges. II the loan socurod by Ihis Bocunly Instrumeni t¢etjplif l l� )l law which sots maxer um loan charges, another law is finally INoryrolod sir that Iho Inlorasl or nitre, loan ctlmgos codloc]od or Idbo ln,d ere. m cannochor with the loan exceed the pathered lumis, rhea (a) any such lean charge shall he (educed by Iho amount necessary to y do It charge to the permitted omit; and (b) any aunts already collected from Borrower which exceeded permitted Ints will be refunded 1 B wbr. Lender may choose to make this rolund by reducing the principal owed under the Note or by making a direct payment to Ourruwsr;�ll a fund (oduces prnkipal, Ilia reduction w,q bit treated as a palatal prepayment without any prepayment charge under file Note. 14, Notices. Any notice to Borrows, provided lot in Iles Security Instrumonl shall beJ w HJy delivering it of by unsterile by bear mass mad unless applicable law required use or another method. The notice shall be duocetl 0 roperty Address or any other address Borrowat designates by notice to Linder Any notice to Lender shelf be given to Borrow r or.Len cif' bop given as provided in this paragraph It,. Governing Lew; Sove(eblllty. Federal law and she law of Ihu Iwrsmcrieh in whicii'�ha ro y ei located shall devout this Security Instrument. In the event that any provision of clause of this Security Instrumun] of the N(nleon I,is with applicable law. such contact strait not affect other provisions of this Socunty Instrumonl of rho Note which can bit pi 0111 1 vAl1e6t. 'co emring pfovise). To th,s slid the provisions or this Security Instrument and the Note are declared to be severable. !';) 16. Borcower's Copy. Borrower shall be given one conformed copy o1 the Note ,red of Ihis'yo@u71 y I}} sl[[unienl. 17. Transfer of the Properly or a Beneficial Interest In Borrower. II all Of any pan of Ihu PropeTly.dea I merest e n is sold Or Iranslomuu (fir It a beneficial Interest if, Borruwur is sold or lensfurrud tied Bo ewe is nut a refund purser) withLatium s Priot writer consent, Lunde may, at Its Office, recent enmomae payment In lull of all sums secured by tills Security Intl Imrllf"Mowevnr, Lender shall not exercise Iles option It federal law as of the date of this Security Instrumonl laohibns exercise. If Lender exercised this option, Lendur shall give Borrower notice of aecelouncer. The nouee shall provide a period of not less than 30 days front the date the grace is delivered or full War which Borrower must pay all sums Secured by this Socunly Instrument, It Borrower falls to pay those sums prior to rho expiration of this ported, Lendur may invoko any mnedes punnlrled by this Security instrument without tuner noui or demand on Borrower. 18, Borrower's flight to Reinstate. If Borfowor morals comer conditions, Borrower shalt have the nghl to have enforcement of this Security Instrument discontinued at any lime prior to rho earlier of: (a) 5 days for such other period as aprbcable law may speedy for reinstatement) before sale of rho Propany pursuant to any power of sae eenaned uh tho Security a strand; or lid entry of a judgment enforcing this Security Instrumonl. Those conditions are that Burrower; (a) pays Lender all sums which than would be due under this Secwdy Instrumonl and the Note as it no acceleration tied occurred: (b) cures and default or any other covenants of agreements; Of pays all expenses incurred in onlorcmg this Sucutlly Instrument. including, but not honed to. reasonable a erney's lees; and tit) takes such action as Londer may reasonably come 10 assure trial Iho ten of this Security Instrument, Lender's rights in the Property and Borrower's obbgolme to Pay rho suit's secured by this Security Instrument shall continue unchanged, Upon reinstatement by Borrower. Iris Security Instumenl and tire obligations secured hereby shell remain fully effective as If no acceleration had occurred. However, Ihis right to reinstate shall not apply fit the case or acceleration antler paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (Iogother with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change fit the entity (known as the 'Loan Service,") that collects monthly payments due moor the Note and this Security Instrument. Tigre also may be one or more changes of the Loan Servicer unrelated to a sae of the Note. it there is a change of the Loan Setwcer, Borrower wel be given written notice of the change in acwManee with paragraph 14 and applicable law. The notice will stale the name and address of the now Loan Servicer and the address to which payments should be made. The nobce will also contain any other Information required by applicable law. 20, Hazardous Substances. Borrower shall not cause or parent tits presence, use, disposal, storage, or release or any Hazardous Substances on or In the PfOPeny. Burrower shall not do, nor allow anyone else to do, anything affecting the Propony that is in violation of any Envimnmontal Law. The preceding Iwo sentences shall not apply to (he presence, use, or storage on the Property of small quantities of Hazardous Substances that are gonetany recognized to tw appropriate to normal residenhm uses and to maintenance of the Property '** OR: 2858 PG: 2946 *** Borrower shall promptly give Lender whiten notice for any Investigation, clams, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Envnonmomal Law of which Borrower has actual knowfadge. II Borrower learns, or is notified by any governmental or regulatory authority, that any removal of other ramadratton of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly lake all necessary mnedml actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous SubslanceaV are those substances Alarmed as toxic of hazardous subslnrwes by Enwmn Mental Law and the following substances: gasoline, keroseno. offer flammable or toxic peluneum products, toxic pesticides and herbicides, volatile solvents, malurals containing asbestos or lotmaldebydo, and radioactive nharonals. As used In Ihls paragraph 20.'Envnonmonla) Law' means booklet laws and laws at the jurisdiction where the Properly is located Ihal retain to health, safety or anvironrnental protection, 21. Acceleration; Remedles. Leader shall give notice to Borruwer prior to scut lurelion bellowing Bunuwnfs breach of any covenant or agreement In this Security Inslrumanl (but not pilot to accebkralfon under paraymph Il unless applicable law provldos otherwise) The nonce shall specify: let the default; to) fire action required to cum Iho dulautl. or it ditto, nut less than 00 days Iron the dale the notice is given to Borrower, by which the default nwsl be cured, and to) that nature to cum the delaull on or before the dale spe0old in the notice they result in acceleration of the &urns secured by INs Security Instrument, foreclosure by pierced pmeeodutg and sale of me Property. The notice shall further control Borrower of the fight to reinstate alter accoleralmn and the right to assort in the forwlusuro preceding Iho nonexistence of a default or any other defense of Borrower to acceleration laid foreclosure. 11 the default is not cured on or before the dale speclf od In the ounce. Laical at its option. may require tnauodmto payment in full of all sums socurod by llus Security Instrument without further demand and may lorecloso Ilk's Sucunly mstmmenl by ludicial proceeding. Lunder shelf be entilled to collect all expanses incurred if; pursuing the renmdres prowled ni Ihis p:rrayr;gdt 11, uhcluJnty, but net hriulud no, russet ablu attorney runs and trusts of the title uvidunee 22. Release. Upon payinenl of all suns secured by this Security Inslmnwm. Willis, shall release Iles Security Insimmmq, without charge, to Bonower. Burrower shall pay any recordation costs. 23. Aflorneys' Foes A used it, tins Sal only Instrument told the Note. 'albala Ys toes, shall alclude any attorneys Ides awarded by art appellate court 24. Olden to IBlff9e.'d�pJ lnsVument. II one or shore niters are executed by Borrower and racer dud together with this Security f1shumenl, file covenants afi�1' Veinen s of each such rider shall be incorporated Into and shall ainend and supplomenl lno covmlLnl& and agmamunls of this Security In ,In 'nt"as�it the nears) were a pan of this Security Inslrummd. (Check Applicable Box) Q Adjustable Rate Rider-=•u.Bale,improvemell Ruloi ❑ Condominium Rider Graduated Payment Reiter ((jf fi'`4 lolly Rider ❑ Second Homo Rider ❑ Balloon Foder U+Blweakiy Payment Rider Q Planned Bill Development Rider ❑ Goads) (specify SIGNING BELOW. Borrower accepts antl sgreag to Ln/e by Borrower and recordud with it. Signed. sealed and �d/e,livered in the presence oC Whlnassm I: S1l_�n Lu--!','.f�ClYf�fiCK Signaluric,6W44e 'A STATE OF FLORIDA COUNTY OF and covenants cunlemud In this Security htslmmenl slid or any hdar(sl executed � ax( Gladys eon I hereby codify that on INS day, before rnu. an officer duly oul loozed Irk ILe`5(ate acknowledgments, personally appeared Gladys Senon to nto known to be Iho persunts) instrument and acknowledged before rnu that (Hol she/ Ihoy) executed the settle for are pt WITNESS Any hand and official seal in Iho County and Slate aloresard Iles _ day of _ r My Commission Expires: Notary Public's Sigi>a11L�ru (Seal) __�LLc[:____ 1_._ .... Notary s Primed Name SC. ids 34113 Aid and in the county aforesaid to lake sad I and who executed the foregoing pet rl yxpmssUd. C',. INSTR 5578725 OR 5527 PG 409 RECORDED 6/28/2018 3:59 PM PAGES 2 CLERK OF THE CIRCUIT COURT AND COMPTROLLER, COLLIER COUNTY FLORIDA REC $18.50 Prepared by: Wendy Klopf Collier County Community & Human Services Division 3339 E. Tamiami Trull, Building H, #211 Naples, FL 34112 THIS SPACE FOR RECORDING /... RELEASE OF LIEN KNOW ALL MEN ,((�' HESE PRESENTS: That Collier County, whose post office address is 3299 E. Tamiami.TrOjKNaples, Florida 34112, the owner(s) and holder(s) of a certain Impact Fee Waiver Agreements,'A*uted by Immokalee Habitat for Humanity, Inc. to Collier County, having met 6415 year affordability housing obligation associated with the $80,203.71 of SHIP Impact Fee Waivers; o which is hereby acknowledged does remise, release, quitclaim, exonerate and discharge frbi$_ lien and operation of the said agreement, that certain portion of the premises conveyed by sat' ien,, more particularly described as follows: j ',See Exhibit A The undersigned is authorized to and di named properties, and consents to these said properties, This Release of Lien was approved b, Y A0C 07l0 2018, Agenda Item 7� eMily K. f2yvj Assistant County release these Liens with respect to the above- g forever discharged of record with respect to BOARD OF COL By: of County Commissioners on - i� 0 *** OR 5527 PG 410 *** EXHIBIT A Various lots as listed below for, Naples Manor Extension, Amended Plat according to the plat thereof recorded in Plat Book 3, Page 101, of the Public Records of Collier County, Florida. BCC 15-year Impact Impact Fee Resolution k approval - CO date affordability Legal Description* Fee Amount date`.: end date (ORIPage) 94.377 6/7/199 qlZlf 1995 9/21/2010 Lot 1, Block 5, NaplesManor Extension 1956/0918 $6,169.52 94.378 6/7/1994 1�95 9/21/2010 Lott, Block 5, Naples 1956/0924 $6,169.52 .12lz Manor Extension 94-385 9/7/1994 68111/1995 12/31/2010 Lot Blockr Naples 1956/0966 $6,169.52 ManoExtension o 93-468 6/7/1994 6/24)1.9945, 6/24/2009 Lot22, Block 4, Naples 1956/1065 $6,169.51 Manor Extension 94-379 6/7/1994 4/8/1996' ';4L 0II Lot ,Naples 1956/0930 $6,169.52 Manor xtensilock Manor Extension 94-383 6/7/1994 12/31/1995 D3 t2610 Lot 28, Block 4, Naples 1956/0954 $6,169.52 Manor Extension 94.382 6/7/1994 2/1/I995 2/t/010 Lot 30, Block 4, Naples 1956/0948 $6,169.52 ,Manor Extension 93.471 6/7/1994 6/3/t994 ✓ ' 6/3/2009�.� Lot 45, Block 4, Naples -:M'anor 1957/0299 $6,169.51 Extension 94-381 6/7/1994 7/26/1995 7/26/2010 L`6ff'�, Block 7, Naples Mara :Extension 1956/0942 $6,169.52 94.316 6/7/1994 7/31/1995 7/31/2010 U,60�,.13 ock 8, Naples 1956/0912 $6,169.52 afioi nsion 93-465 6/7/1994 6/24/1994 6/24/2009 Lot33;.ck11,Naples Mane' 'Exteasign 1956/1093 $6,169.51 93-466 6/7/1994 6/24/1994 6/24/2009 Lot34;,,, 66 '.1 ,,.Naples 1956/1079 $6,169.51 Manor Ex_ as' n.'. 93-464 6/7/1994 6/3/1994 6/3/2009 Lot 32, Bloc .,11' aples Manor Extelsio 1956/1086 $6,169.51 0 2826281 OR; 2858 PG, 2950 Bete: H7: yRBDY KtOPP 669.970: coax o SECOND MORTGAGE THIS SECOND MORTGAGE ('Sucunry Instrument-) is given on April 6.2001 Tea Second Mortgagor Is Therese Joseph ('Borrower'). This Security Instrument is gluon to \•I I i.•I i`'w I y I'Lendmr'), which is orpooled and existing under the laws of the United States of America, and whose address is a roe N11I th IAn r'.r7 tml• Ut_ivc e141. Nat'Ivs:, Pi,n id,; F4104, Borrowur owes Londe, Ilia sum of Three Thousand Thies Ilund"d dollars (U.S. S 3 v 300. 00 ). This• debt its ovldencud by Borrower's NOW dated the $onto date as has Sucunly Instrument ('Second Mongagu'). which provides for monthly payments, with rho lull debt. it not paid Antler, due and payable on sale of property, "finance, or loom of homestead exemption. This Seeumy Instrument secures to Leador(a) the repayment of the debt evICAMCed by the Note, with interest. mid all wuewals, exlanswas and motdicanurm On the paymmlt of all other sums, with eiloresl advanced enter paragraph 7 to protect per soeunty of the Security Instrument• and of the podorrnHnca of Borrowers covenants and agreements under it"s Security Instrument and i cl. cd r For this purpose. Borrower does hereby second ntongage, grant and convey to Lendor the Iollowmg described propmy locatad in_o I_l i .12_ut i t Y. Florida. Moro pamculadydosYAd a Lot 16, Block 6, Naples Manor Eat. Follo s 62205960006 a on has the address of ("Pminrty Address) TOGETHER WITH on Iha mprovomenls now o royalties. mineral, oil and gas rights and. profit@@, water Mpecoments and additions shall also Oo.cover9dby I the'Propany. BORROWER COVENANTS Fred ,Fewer and Convoy the Property and that Ilia Pfeil my IS Otto generally the title to the Property against all ciao THIS SECURITY INSTRUMENT comb) es jurisdiction to constitute a undorrn security Indle hen UNIFORM COVENANTS. Borrower antl I 1. paymanl of Principal and Interest; pit and interest on the debt evidenced by the Noro. 2. Taxes. The Mortgagor will pay all taxes. 1111 !ter erectud un tho pfupurty, and all aasemenls. nglils, Appurtenances. rants. and stock and all fixtures now or hhoaller a part of the property All ?Instrument All of life forugonng isfeformillomthis Sacuntylnstrunienlas lawfully seized of the estate homby conveyed and has far right to mortgage, grant ymumod. except lot encumbrances ul record Borrower warrants and will dolend rimands. subject to any oncumbmncos of record i+(001 covenants to, national use and Ith, Andorra covenants wilts Armond variation by ov ,ihp real property del, cy9nant and agree as Follows' INWfa�d Late Charges. Burrower shall promptly pay when due the principal of water rates prior o the accrual of any penallies of mterast thereon. The Mortgagor shall pay of cause to be paid, as Ilia amd'r a ctivolit become duo, UQH l all taxes and governmental charges of any kind whatsoever which may at any time be lawfully assasse�r Iavfd ayaeist or with respect to the Propany. (2) all utility and other charges,including'service charges', Incurred or imposed for Ina opera , immntamm�co,use, acupaney, upkeep and improvement of the Property, and (3) all assessments or other governmental charge al.rmar),Q idurly be paid m sun ailments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to bey llut,p ch installments as are required to be paid during the term of the Mortgage, and shall, promptly after the payment of any of the foiego(iIf p} n d to Mortgagee evidence of such payment. 3. Application of Payments, Unless applicable law provides ofh�§4do All payments received by lender shall be applied: first, to interest due: and, to principal due; and last, to any late charges duo undo(llio , �6,� a. Chargeq Liens. Borrower shall pay all Wines, assessments cliprg`os,apar;,tnd Impositions allnbutabiu to the Proporlywhncli may attain priority over this Secunly instrument, and IBesshold payments or giefrad ,eey IS•l any. Borrower shall promptly loutish to Lender all notices of amounts to be paid under this paragraph, and all receipts owdenoingghe,yg mends, Borrower shall promptly discharge any lion which has priority over this Sacfally strumentunluss Wuuwer: dal nyreesmwnlniyN Iho payment of the obligation secured by the lion ma manner acceptable to Lendor,i-cc t4stain good faith the lien by, or defends against force ant of the lien: or c secures from erilorcemonj of the lien m, legat proceedings which in the Lenders Opinion opemle lop[ayaq 1) the holder of the lion an Agreement salisfactoryto Lender subordinating Ilia lion to this So, mygtrumenl. If Lender delerminosmatany part of the Property is subject to a lion which may attain priority over Ole Security Instrumet L@if rrRay give Borrower a notice Identifying the lion. Borrower shall satisfy the lion or take one or Moro of the actions sot forth Avoca xil'116 of the giving of notice. 5. Hamrd or Property Insurance, Borrower shall keep life Improve Gills now 0.I, tin f smaller Amcled on The Property insured against loss by fire, hazards Included within the farm 'extended coverage' not any other r9z, AIincluding hoods or flooding, for which Lender requires insurance. This insurance shall be maintained in Ilse amounts and lot e`11p 11 , that Lender requires. The Insurance carrier providing the insurance shall be chosen by Bottom, subject to Leaders approval wpictl;hall bounfaasoraltywtlhhoid. II Burrower tails to maintain coverage described above. Lender may. at Lender's option, obtain coveragb o pJ fact Lender's rights in the Property Ili accordance with paragraph 7 AT all times that the Nola is outstanding. the Mortgagor shall mai[)aln suraneewandpayable,ct 10 all Promises against such risks and for such amounts as are customarily insured against antl pay. as the skin tiecoy0ne tluo and payable, all premiums Ili [aspect thereto, including, but not limited to, all-risk insurance protecting the Interests of ire r�rtgagor and Mortgages against loss or damage to the Premises by fire, lightning, and other casualties customarily insured against fincluding belief explosion, if appropriate), will, a uniform are Giant extended coverage ondarsomeill, including debris removal coverage. Such msufame at all times to be in an amount nor lass than the lull replacement cost of the Promises, (xclusiv) of lacings and foundations All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. It Lender requires, Bonear of shall promptly give to Lender all receipts of paid premiums and rommul noricos. In the event of joss. Borrower shall give prompt notice to the Insurance career and Lender. Lender may make proof of loss it nor made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or ropaeol the Property damaged it the restoration Of repair its economically feasible and Lender's security, is not lessened, It the restoration o, repast is not economically feasible or Lenders security would be lessened, the insurance proceeds shall be applied to the sums socurod by the Secunly Instrument, whether or not then duo, with any excess paid to Borrower II Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the Insurance carrier has offered to seltio A claim, he. Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay suma secured by this Sooudy instrument, whether ornot than due RM30- day period will begin when the notice is Traded, Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the duo date of Ilia monthly payments refmMd to in paragraph 1 or change the amount of the paymonls. If under paragraph 21 the Popoff is acquired by Lander, Borrower's right to any insurance policies and procoods resuding Imo damage to the Prupeny prim to the acquisition shall pass to Londef to the ordonr of the stuns socurod by this Socunty Instrument immeduadefy prior to the acquisition. 6. Occupancy, Preservation, Maintenance and protection of the property; Borrower's Loan Application, Lauaholds. Borrower shall occupy, establish, and use the Property as Borrowers principal residence within sixty days attar the ox ici A di of this Security Instrument and shall continuo to occupy the Properly as Borrower's principal residence for at toast one year after the date of occupancy, unless Londe, othomise agrees In writing, which consent shall not be unreasonably withhold or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destroy, damage or lmpab the Property, allow the Property to deteriorate, or commit wasteonlho Propany Borrower shall be in default 11 any todeture action or proceeding. whether civil or criminal, is begun that in Lenders OR; 2858 PG; 2951 .oar o good faith judgment could result in total of Ihu Properly or otherwise materially repair life lien created by this Security Instrument or Lenders securityrnlerest. Borrower maycura such a default and reinstate, as provmodul paragraph 18, by causing the action orproceeding 1U be dismissed with a ruling that, in Lender's good faith dote tme abon, precludes lowh ouro of the Borrower's interest in the Properly of other material impairment of the lion created by this Security attainment or Lender's security Interest Borrower shall also be in default l Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender for hared to provide Lender with any naareriaf information) in connection with the loan owdancod by the Nola, including, but not Iunilyd to, representations concerning Borrowers occupancy of the Property as a principal romdence. If this Security Institution is on a leasehold, Borrower shall comply wan all the prowsoriofIholoarto It Borrower acquires too line to ilia Property, Ilia heasoholdand the too Isle shall real merge unless Lender agrees to Ihu merger in willing 7. Protection of Lender's Rights In the Property. 11 Borrower lads to partner the covenants and agreements curnamed In this Security Instrument, or there Is a legal proceeding that may significantly affect Lender's rights in the Property (such as a crewel we bankruptcy, probate, for condemnabon or lonedde or to enforce laws or regulations), than Lander maytlo and hall whatever is necessary to project the value of the Property and Lenders rights in the Property. Lender's actions may include paying any sums secured by a Iron Which has priority over this Security lnslrumenl, appearing incourl, paying masonabte auornoys' lees and entering on the Properly to make minurs Although Lendar may take action under this paragraph 7, Lender does not have to do so Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security lnslrumenl Unless Borrower and Lender agree to other terms of payment, Mare amounts shall bear Interest Irom the data of disbursemard at the Note rate and shall be payable, with interest, upon nonce Irom Lender to Borrower, requesting Paymam S. Mortgage Insurance, It Lander required mortgage Insurance as a condition of working the loan secured by this Security Introduced, Borrower shall p,@@@@y the premiums required to maintain ilia modgago insurance ran effect. 11, for any reason. ilia nnongage Insurance coverage remmdy y Lender lapses or ceases to be, ran ellil Broome shall pay Ilia premiums requited to obtain coverage substantially equlvaloat I Ih nppngage announce, previously In effect, at a cost Substantially equivalent to the cost to Borrower of the mongago Insurance pr* (o ll�y�It elloci Irom an alternate mongago Insurer approved by Lender. II substantially equivalent mortgage Insurance coverage its no iiablor 0rrower shall payto Lendseach month a sum equal to ono-Manetthe)early mortgage Insurance premmm being paid by IS iOw�r vine the Insurance coverage lapsed or ceased to be, ill ellect Lendar wN accept. use and retain these payments as a toss reset) Clow ei 7gngage Insurance Loss reservo payments may malinger be, requited, at the option of Lander, d modgago Insurance coverage jiii. Tteqult and for the period that Lender requlms) provided by an Insurer approved by Loader again houuiinos available antlns obtained. Borr�Aer shall pay the pronnurns required to maintain mongago Insurance in Street, or to provide a less reserve, until ill. requiramont forgpny(gag`e menwance ends In accordance with ally written agreement between Borrower and Lender or applicable law g. Inepeetlon. Lentler or gS.aya 1 in y make reasonable entries upon and inspections at the Property. Lander shall give Borrower police at the time of or poor loalf2 colon specifying reasonable cause for me Inspection. 10. Condemnation, The preensd of any award or claim for damages, direct or consequential, in connecton with any condemnation or other taking M any part oLtlr4 Propearly�of lot conveyance in Ilea of condemnation, are hereby assigned and shall be paid to Ladder. In the event of a Iola) htellg of the Prop§rlys Iha p oceads shall be applied to the sums Secured by this Security Instrument, whether or not than duo, with any excess Daid to Bone" .IreIll event of a partial laking of the Property, in which the fair market value of the Property immediately before the taking Ise unit et9is an the amount of the sums secured by this Security Instrument Immediately before the taking, unless Borrower an Lender Our aseegreeIn writing, the sums secured by this Security Instrument shall be reduced by Ilia amount of the proceeds multiphed by the folio Ing'II)lcif rt'ta) the total amount of the sums secured immediately before the taking, divided by(b) ilia fair market value ofthe ProDenylmmIJday4e�lQreoholakIng. Abyoalaare Shall Eapaid toBorrower, Inthe event ola partial taking of the Propetryin which the fait markelvnWlol 6'If Prop arylmmudiatelybotore the taking its less than the smallm the sus securetl immediately for the taking, unless Butrowarare If'a{aN All aqua in wining or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Scope Image ant whether or not the sums are then due. Unless Lender and , ads'lo r i at shall not extend or postpone the duo tlalo of the monthly Borrower otherwise agree In writing, any application of proo payments referred to in paragraphs I or change the amount of$uCfi pants. 11. Borrower Not Released, Forbearance By Lend4r..Njt Nit ver. Extension of Ilia tittle lot payment or modification of amortization of ilia sums secured by this Security Instrument grants dpyL13ri�e�y any successor In interest of Borrower shall owl operate to release the liability ill the original Bouowar or Borrower's successIDI itrite�roSL` antler shall not be required to commence Proceedings against any successor in interest or refuse to extend time for payment or ollhony 8 felpdify colonization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Bar J fir' st1gconsols in interest. Any forbearance by Lender In exercising any right or remody shall not be a waiver of or preclude the exerg)sarullhlyjnight routinely. 12. Successor* and Assigns Bound; Joint and Several Llabi8ly; Cg, Stgnell, The covenants and agreements of this Sewunty Instrument shall bind and benefit the successors and assigns of Lander and Boilo4lN!Syl>fect to the Provisions or paragraph 17. Borrower's covenants and agreements shall be joint nU Sov o ral. Any Borrower who cosigns this Social Instrument but does not execute the Nale, (a) Is cosigning this Security Insim 6n1 h to mortgage, grail and convey that Bonower's interest in the Property under the terms of this Security Instrument; (b) is not presciently obligated to pay the sums secured by this Secupl Instrument; and (a) agrees that Lander and any other Borrower may agree to extend, in , IW,`for of or make any accommodations with regard to the forms of this Security instrument or the Note without that Borrowers conso Lt. �1_ 13. Loan Charges, It the loan secured by this Soeumy msbumont is subject to 61 , hichso s maximum ban charges, and that law is finally interpreted so that flip interest or other loan charges collected or to bocoliocted in can fire thlnetuanexcoodlhepermmed limits. than: (a) any such loan charge shall be reduced by the amount necessary to reduce the Cho go to t fammithdhinlLand(b)anysums already collected from Borrower which exceeded permitted limns will be refunded to Bortill l'endoli close to make this adorable roducing the principal owed under the Note or by making a direct payment to Borrower. 11 a mfundrb cgs'D( ri�pal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. ` 14, Nolices. Any notice to Borrower provided for In this Secunly Instrument shall be given by deliver; it or by mailing it by first class mall unless applicable law required use of another method. The notice shall be directed to the Propady A ' or any other address Borrower designates by notice to Lender. Any notice to Lander shall be given to Borrower or Lender` on given as provided it this paragraph. 16. Governing Law; SoVeroblllly. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Propsny is localed. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law. such coa l shall not allect other provisions of this Security Instrument or Ilia Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note ate declared to be severable. 16, Borrower's Copy. Borrower shall be given one conformed copy of the Note and or this Security Instrument 17. Transfer of the Property or a Beneflotsl Interest In Borrower. it all of any pan of the Property or any interest In i1 is sold or transferred (or it a beneficial interest In Borrower Is said or transferred and Stoma its not a natural person) without Leaders pilot winter consent, Lender may, at Its option, require immediate payment in full of all sums secured by this Security Instrument However, this option shall not be exercised by Lender if exercise Is prohibited by fodrral jaw as of the date of this Security Instrument. If Londe exercised this option, Lendar shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the data the notice is colleen or mailed within which Borrower must pay all sums socurod by this Sleunty Instrument. If Borrower falls to pay these sums prior to the expiration of this period. Lentler may Invoke any remedias permitted by this Security Instrument without fuller notice or demand on Borrower. 18. Borrower's Right to A&Instate. 11 Borrower insets certain conditions. Borrower shall have the right to have onforcemenl of this Security Instrument discontinued at any limo prior to the earlier of: (a) 5 days (or such other period as applicable law may specify lot reinstatement) before sale of the Property pursuant to any power of sale contained In Nis Security tnstrumonL at to) entry of a judgment enforcing this Security Instrument Those conditions are that Borrower. (a) pays Lander all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred: few cures and default of any other covenants or agreements; (e) pays all expenses incurred in enforcing that Security Instrument, including, but not limited to, reasonable attorneys foes. and (d) lakes such action as Lender may reasonably require to assure that the rental this S rearry Instrument. Landed s rights In [tie Propony and Borrower's obbirallon to paylhe sums secured by this Security instrument shall continue unchanged. Upon refusal by Borrower, this Security Instrument and the obligations secured haroby, shall remain fully ollodlvo as It no acceleration had occurred. However, this right to reinstate shall not apply In ,,. ud.le" *** OR; 2858 PG; 2952 *** Yom o Ile case of acceleration under paragraph 17. 19. Sale o1 Note; Change of Loan Servber. The Note or a partial wterast in the Note (together Will this Security Instrument) may be sold one or monotones without prior nouco m Borrower A sale may result el a change in the molly (known as the 'Loan Snrvlcer') that collects monthlypaymenls clue under(no Note and tills Security Instrument. There also maybe one or more changesol the Loan Servitor unrelated to a sale of the Note. It there is a change of the Loan Saivicer, Borrower will be given written notice of the change In accordance with paragraph 14 and applicable law. The notate will state the (lame and address at the new Loan Sunni and the address to which payments Should be made. The notice will also contain any other information required by applicable law. 20, Hazardous Substances. Borrower shall net cause or pound the prusenco, uso, disposal, storage, or release of any Hazardous Substances on or m the Properly. Borrower shall not do, nor allow anyone else to do. anything affecting too Properly that Is in violation of any Environmental Law T he preceding two sentences shall not apply to his presence, use, or storage on the Property of smog quantities of Hazardous Substances trial are gonermlyracognued lobe appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Leader written nine lot any Investigation, cmml, demand lawsuit or other action by any governmental or regulatory agency or private parly involving the Properly and any Hazardous Substance or Environmental Law of which Bonowor has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other runodiaton of any Hazardous Substance allecung the Properly IS necessary. Burrower shall Connolly take all necessary remedial actions In accordance with Environmental Law. As used in this paragraph 20,' Ha7allous Substances` Its those substances Cooled it., onoo or hazardous substances by Environmental Law and the following substancesgasoline,kerosene. other llanumable or luxe peroluunl products, loxwposecidesand hefbwldes,vofaulo solvents, materials containing asbestos of formaldehyde, and radioactive materials. As ufat this paragraph 20,'Environmental Law' moans journal laws and laws of the jurisdiction "Ore the Property is located that rolnle ti�h atflyor envitonmonial protection. 21 AccelerZi,Ij efierlles. Loner shall give notice to Borrower prior to acceleration lollowmg Borrower's broach of any covenant or agreement lry♦afaegdr ly Instrument IbUi not poor to acceimalirn undo paragraph 17 unless applicable law provides olhorwise). The notice shall@p city )the default; Ib) the action required to cure the default, jc)a date. not less than 30 days from the date the police is given 10 BOrrOWO� yw, �hll}o default must Us cured; and (d) that failure tocuro the delaulton or before the data specmbedin the notice may result In aeeelereh'n of Ih humas fired by this Security Instrument, loreclosueo by judmtal proceeding and sale of the Property The notice shall ludner refer Borrower of the fight to minstato alter acceleration and the light to assort in the foreclosure proceeding the nonexistence of a dosuit or any other defense of Borrower to acceleration and hmaciosum. itlhodetaulhisooleursdonor before the date specified In the notice, Lantler. It Its option, may require immediate payment In full of all sums secured by this Security Instrument without lurtherdemand and Lnayfpyreebso this Se Ualy bwuumanlbyryulctal proceeding Lender shall be entitled tocolleetall expenses incur ad m pursuing the romedfSa,pto' clod in this paragraph 21, including, but not limited to. reasonable allortieys fees and costs of the 11110 evidence r 22. Release. Upon payment of all, ures soclit�d by this Security instrument, Leader shall release this Security Insbmnenl, without charge, to Borrower. Borrower shell pay any race dtlfiiil,hhosls. 23. ABorneys'Fees. Asusedingas Se ufly lll00o455411 and the Nola,"allonl eys'loss` shall include arty attorneys'lees awarded by an appellate cold.-l-is ( 24. Riders to this security Instrument. IfoI qo 4�10 riders are executed by Borrower and recordedlogether with PosSecuhty Instrument, the covenants and agreements at each such l 51tbe mcorpomtedinto and shall amend and supplemont the covenants and agreements of Ihts Security Instrument as if the rufags) y'pfd a�? I this Socunly Instrument. (Check Applicable Box) r, U Atljuslable Rate Rider Nola h ib uf7 b It Hider ❑ Condominium Rider V n Graduated Payment Hitler ❑ 1-4 Pamjly e1 LA Second Hume Hider n� Balloon Rider El Biweekly Pa m 1 R do a Plumed Und Development Rider L� . f. J Olhegs)(Specify ,,)} SIGNING BELOW. Borrower accepts and agrees io file Imes and covenag vldiitauod in This Socially hlslrumenl and in any outlets) by Bonowor and recorded with it `O Signed. scaled and d`e�la�nned in file Ples9nCe or 'i C \ W m2G w✓.. /� `Neil u r. i%b 4 C L r• r Witness Signature: Signalise • v L ' r �r� ���� (� Borrower Ryese JosaryL �(/yY7pt't%1LL A� I / lartir)a4k n SI ame Witness Print Nemo: A Borrower Witness Signature ,Qyac., \.f.'V`�.`�`Y'�.9-.gill j tb.+{ l4 Witness Print Name: Vto i , 11 VA"Address r S /U f t st Sc •_ Nall r Plot idl Nl:r STATE OF Floods COUNTY OF Collor •f ,\/ I hereby Codify that oil this day, before me, an officer duly authorized in the state alowsaid and m aW molly aforesaid N take acknowledgement$, personally appeared Therese Joseph to me known to be the porson(s) cast' d in and who executed the foregoing Instrument and acknowmdgod before me that HEI SHE/ THEY oxeculed the same for the purpose thereof expressed WITNESS my hand and official seal in the Couidy and State aforosald tills 1�- L 1 ,2001 My Commission Expires. 11,. Pub" I Sure I �� ��I1 ISEALI xar nr,� MALICESN COPF a rr ooeewox lure i1 CC191070 i �V� uv concern �OF 002 HO Hoy. 1b,2eW 6\, J 3 )lG�, INSTR 5578725 OR 5527 PG 409 RECORDED 6/28/2018 3:59 PM PAGES 2 CLERK OF THE CIRCUIT COURT AND COMPTROLLER, COLLIER COUNTY FLORIDA REC $18.50 Prepared by: Wendy Klopf Collier County Community & Human Services Division 3339 E. Tamiami Trail, Building H, N211 Navies, FL 34112 THIS SPACE FOR RECORDING /,.. RELEASE OF LIEN KNOW ALL M9NAY jHESE PRESENTS: That Collier County, whose post office address is 3299 E. Tamiami lrr',?Naples, Florida 34112, the owner(s) and holder(s) of a certain Impact Fee Waiver Agreements, , ex�cuted by Immokalee Habitat for Humanity, Inc. to Collier County, having met tHerl S year affordability housing obligation associated with the $80,203.71 of SHIP Impact Fee Waiyers,' ofjwhich is hereby acknowledged does remise, release, quitclaim, exonerate and disch lien and operation of the said agreement, that certain portion of the premises conveyed by said7lien, more particularly described as follows: The undersigned is authorized to and ti{ named properties, and consents to these said properties. Exhibit A release these Liens with respect to the above- g forever discharged of record with respect to This Release of Lien was approved byzAh'e Elbard of County Commissioners on - aJAhr- 31 0 2018, Agenda Item Numbe� CRYST�CL .. MEL, „+ 1 ATTEST: a' BOARD COMM OF COL R TI.TA '4'F y., a By. a Ant��9 8yy ANDY SOLIS C,H,4 It3� gprovaftoalfonn�nd' ality: Assistant County Anomey *** OR 5527 PG 410 *** EXHIBIT A Various lots as listed below for, Naples Manor Extension, Amended Plat according to the plat thereof recorded in Plat Book 3, Page 101, of the Public Records of Collier County, Florida. BCC 15-year Impact impact Fee Resolution # approval CO date affordability Legal Description* Fee Amount date �� ,s end date (OR/Page) : 94-377 6/7/19 1 94-,. i4if 1995 9/211/2010 Lot 1,Block S1Naples 1956/0918 $6,169.52 Manor Extension 94-378 6/7/1994' �")95 9/21/2010 Lott, Block 5, Naples 1956/0924 $6,169.52 Manor Extension 9/7/1994 12/51/1995 12/31/2010 Blockr Naples Lot 3,94-385 1956/0966 $6,169.52 Mano Extension Mano 93-468 6/7/1994 6/24/119945- 6/24/2009 Lot21, Block 4, Naples 1956/1065 $6,169.51 Manor Extension 94-379 6/7/1994 4{8/1996` :-"978/2011 Lot 27, Block 4, Naples 1956(0930 $6,169.52 Manor Extension 94-383 6/7/1994 12/31/1995 (' 2/3 /26I0 Lot 28, Block 41 Naples 1956/0954 $6,169.52 Manor Extension 94.382 6(7l1994 2/1/19952L1l.0'0';\ Lot 30, Block 4, Naples 1956/0948 $6,169.52 Manor Extension 93-471 617l1994 6/3/1994 / 6!31kol : Lot 45, Block 4, Naples 1957/0299 $6,169.51 MIrmor Extension 94.381 6/7/1994 7/26/1995 7/26/2010; 'Lot 2, Block 7, Naples Maxtcnsion 1956/0942 $6,169.52 94.376 6/7/1994 7/31/1995 7/31/2010 f l0;,Block 8, Naples �t14� tension 1956/0912 $6,169,52 93-465 6/7/1994 6/24/1994 6/24/2009 Lot33 t:-ck 11,Naples Mario'.. xtobston 1956/1093 $6,169.51 93-466 6/7/1994 6/24/1994 6/24/2009 Lot34,�, 61 1- ;,,Naples 1956/1079 $6,169.51 Manor E nsion,' 93-464 6/7/1994 6/3/1994 6/3/2009 Lot32, Blop 1 aples Manor Extetlsio v 1956/1086 $6,169.51 9 Retn: 2826284 OR; 2858 PG; 2959 HUI i INTER-01PHI RICOE^!D :c !te P!"'TQS a C^LLI!P W.'N',i, It OBLD 3300.00 VINDT ELOPP 01'131:1.! V. 1!1 140 'y';e; B. PR:fE, ftE?R CEL: 330L.00 659•51D) Nf PBE I5.00 Your o DOb,BS II,SS SECOND MORTGAGE THIS SECONO MORTGAGE ('Security Instrument') is given on January 31.2001 Thu Second Molli is. Rena Ortiz If Nozma Ortiz ('Borrower'). This Sesurdy ln5tmmeni is grven to 1:111 i,•r '.•"illy t'Lender), which is organeed and existing under file laws of the Undid Slates of Alliance, and whose address is I db 0 th it, I", ^.:h.ro Di iv,• xld',, N.q,Lv, Pl.a iiin 3d 104. Borrows, owns Lentler the sum of Three Thousand Thzee Hundred dollars (U.S. $ 3, 300. DO ). This, debt l5 uvldmieod by Uurmwai s Note dated the same dale as Ihls Secunly hisl.mnnnl ('Sutund Mongage'S, white provides for monthly payments, with the tell debt, It not paid earlier, duo and payable on sale of property, refinance, or los■ 4 of homestead exalapt'on. Tins and Seanly lnsinlmenl secures to Lmeuc(a) the emayinuni of the debt uwdwa:edby Nat Nee, with jobar and all rmiowals. oxlenSlons modnbcalions; her the peymunt of all other sums, with interest advanced under paragraph I to protect the secunly of the Seaffl y InsbumenL and (c) the pedonnanco 01 BonoweI's covenants- and agreements under this Security Instrument and the Note For ties Propose, Borrower does hereby second mortgage. grant and convoy to Lender the following descnbod propu,ly lmated;in i�,.I 1 i u I_ County, Florida, Moro particularly (mscrR and ('Propofly Address') TOGETHER WITH all royanes, trimmed. oil and gas epiacemonls and will she tile 'Property, Block 11. Naples Manor Ext. Follo#62206720009 Across of PI„t I�d" N I I I s' now or hCluster Sector) on the properly, and all Casements. rights, appurtenances, rents, n, water fights and stock and all hxWres now or helealter a pan of tire property All Xthe Security Instrument. All OI the foregoing lsrefuuedloeathts SBCuntylns'Itumantas and convey the Property and that the Properly is door Dora generally the title to firs Property against all clalns Y"- dui era THIS SECURITY INSTRUMENT combines uPll , l iunsdrohon to constitute a uniform security instrumBnitDOokng UNIFORM COVENANTS. Bonewarantl Len I�cgo,v 1. Payment of Principal and Inlenszl; Pto zj , erf and interest on the debt evidenced by the Note. ??? 2. Taxes, Thu Mortgagor will pay all faxes, assossiI human. 'the Mortgagor shall pay or cause to be paid as the s3 any kind whatsoever which may at any limo be lawfully assess charges, meluding'servroe charges'. incurred or mposed to, in Property, and (3) all assessments or other governmental chat Mortgagor shall be obligated under the Mortgage to pay or calls of the Mortgage, and Shan, promptly after the payment of any( 3. Application of Payments. Unless applicable law interest duo: and, to principal due; and Iasi, to any late charge! e. Charges; Llefs. Borrower shall pay all taxes, ass may attain Poorly over This Security bedromae, and leasehold all notices of amounts to be paid undo, this paragraph, and all B ershali rem 11 discharge any lion which has lid of the estate hereby conveyed and has the light to menage. grant ;Copt for encumbrances of record. Bouower warrants and will defend i moci to any encumbrances 01 record ants for national use and nonuniform covenants with limited variation by property. I and agree as follows', ORICharges. Bouower shall promptly Pay when due the principal of due water rates prior to the accrual of any penalties ofinterest Co ffee due, (A)(0 all lazes and governmental charges of d or with respect to the PrOPOMY. (2) all untay and other be paid in installments over a period at years, the istallmenls as are required to be paid during the lour) it to Mortgagee evidence of such payment. females received by Lender shall off applied. first, to osncns attributable to lire Propady which Borrower shall promptly house to Lender onow p p y ilia payment 01 the obligation secured by the lion In a manner acceptable to Lander, (bj contosts m good Iaith the Inert by, or defend$ against enforcement of the lien In. legal proceedings On In the Lender's opinion operate to pervoto ebd rcement of me lien: of secures from the holder of the Ilan an agreement satistaclory to Lender subordinating the liable this Se4v? In�If menL II Lender determines that any pan of the Property is subject to alien which may attain priotlly over the Security lnstrumonl;Ledo may. Ive Borrower a notice idonalying Ina lien. Borrower shall sat! sly the lien or take one or more of the actions set forth above w,lnq, S, days I the gluing OI notice 5. Harald or Property Insurance, Borrower Shall keep the unprOVememS now exisU q o!h realist erecled on the Property Insured against loss by fire, hazards Included within file term'exlended covorage'and any, 'ia ,rihLluding floods or ltoafmg, for which Lender requires Insurance. This insurance shall be maintained in the amounts and for Ihp,periGds al Lender requres. The insurance carrier providing the Insurance shallbe chosenby Borrowersub)ecllo Landoes approval nnietfshal n unreasonablywithhold 11 Borrower (ails to maintain coverage described above, Lender may, at Lenders option, obtain coverage t`d CC;, Landau ,,his In the Properly in accordance with paragraph 7. At all times that the Note Is outstanding, the Mongagorshall maintaininspi with respect to the Premises against such risks and for such amounts as am customarily insured against and pay, as the sft'4 'coma due and payable, all premiums in respect thorato, including, but not limited to, aisfisk insurance protecting the interests at the Mortgagor and Madgagee against loss or damage to the Premises by lim, lightning, and other casualties customarily insured against 0ocludng bo for explosion, it appropriate). with a uniform standard extended coverage endorsement, including debris removal coverage. Such insurance at all limes to be In an amount not less than the lull lattice uled cost of the Promises, resales wo of feelings and foundations. Ali Insurance policies find renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lendarshallhave the right to hold the policies and renewals. 11 Lender requires, Borrower shall promptly give to Lender all reeeipls of paid premiums and renewal nollces. In the overt of loss. Borrower shall give prompt notice to file nominate canter and Lender. Lender mayetalso pmot of Was 0 not made promptly by Borrower. Unless Lender and Borrower otherwise agree u) willing, Insurance proceeds shall be applied to restoration or repair of the Property damaged, it ilia restoration or repair Is economically feasible and Lender's security Is not tasselled. It the rosloralum or repair is not economically feasible or Lender's socurny would be lossaned, the insurance proceeds shall Be applied to the sums secured by the Security lnslrumenl, whether or not then due. with any excess paid to Bonowor. It Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance career has offered to settle a claim, than Lender may collect the insurance procoeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument. whether or Trot then due. The 30- day period will begin when the notice Is mailed. Unless Lentler and Borrower otherwise agree in willing, any application of proceeds to principal shall not extend or postpone the duo date of the monthly payments referred to In paragraph 1 of change the amount of the payments. It under paragraph 21 the Property is acquued by Lorni Borrower's tight to any msuranco poioms and proceeds resulting Iron damage to the Property prior to the acquisition shall pass to London tube extunl of mo sums secured bylhis SecurityInshUment immediately prior to the acquisition. 6. occupancy, Preservation, Maintenance and Protection of the Properly; Borrower's Loan Application, Leaseholds. Bouower shell occupy, establish, and use the Property as Brorowors principal residence within sixty days Sheathe exacullonot this Socuny instrument and shall continue to occupy the Property as Borrowers principal residence lot at least one year alto, the date of occupancy, unless Lender otherwise agrees in willing, which consent shall not be unreasonably withheld. or unless extenuating Circumstances exist which are beyond Borrowers control. Borrower shall not destroy, damage or impair the Property, allow the Property to residential, orcommd waste on the Property. Borrower shall be In default ll any lodeltute action or procoeduig, whether civil or criminal, is begun that in Lender's OR: 2858 PG: 2960 TOM o hood fault ludgmnnl could result a lumalutoot Iho Propony or oiherwse ntienally noting Ilia Ilan created by his Security InSeLl a aft or Landnaseeuntyn)lorosl Burrower aaycum such a default and renSino, as provided in paragmph la. by causing the aClwncrpraeadulg to no dismissed with a ruling that. al Landau good faith determination, pre ludos loeedule of Ilia BarlUWef'e mloast In the Proponlyor other material ninermem of the lion created by this Secuuy Instrument or Lender's socurtly Interest Borrower shall also be in default it Banowst, during Iha loan application process, gave materially lasso or Inaccurate information or statomonls to Lando( Or failed to provide Lender Nth any material Information) in connection with the loan evidenced by the Note, including. but not linited to, representations concerning donator's occupancyol the luroparlyas a principal residence If has Security Instrument is on a leasehold. Borrower shall cenply with all the provision of the lease. If Borrower acquires fag Itlle to Ilia Property, Ilia luasehold and the fee title all all not merge unless Lender agrees to the neagor in winning 7. Proteellon of Lender's Rights In the Property. It. Borower fails to pudmin the covenants tad agreunmuts cold 111 mlhis Security Instrument, or there is a legal proceeding that may slgnuicantly allect Lenders tights of the Property (such as a proceeding in bankruptcy, probate. lot comminution or foliating or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect Ilia value of the Property and Lenders rights In the Pmpeny. Lender's actions may include paying any sums secured by a lien which has priority over this Security Iashournal, appealing in court, paying reasonable attorneys' lens and entering on the Papery W make repairs Although Leridervnay lake action under Ili's paragraph 7. Lender does not have to do so. Any amounts disbursed by lender under this paragraph 7 shall become additional debt of Borrower secured by this Security instrument. Unloss Borrower and Lentlor agree loathe( Corms of payment, these amounts shall bear rmeiest Irani Iho dale of disbursemonl at the Note late and shall be payable, with interest. upon notice from Loll der to Borrower requesting Royal Dill S. Mortgage Insurance. II Lender required mortgage insurance as a condition of making the loan secured by Ibis Security Instamem, Burrower such p, y the premiums required to maintain the mortgage msuhmce in affect 11, lot any reason, the mortgage insurance coverage receive y Lander lapses or ceases to be m affect. Borrower shall pay the premiums required to obtain coverage substantially equivalentt� t��1. mij dguago insurance previously in ellect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance pr4v)o 51 '6 effect, from an alternate mortgage insurer approved by Lender It substantially equivalent mortgage Insolence COVarage I6 n01a IlaB10,¢p oWoi snail pay to Londoreach month a suit) equalto one dwellihof the yearly mortgage Insurance Y"' premium baeu9 Paid by 9onbei vAle i the instance coverage lapsed or ceased to Iw in ellect. Lender will accept. use and retain those payments as a loss lose, gn Itgu')I (;ngagu insurance. Loss resolve payments may no, longer be rogmred. al the option ul Leader. tl mortgage insurance cover- (iaAi gmbunt and lot Ills period that Lentler requires) provde) by an Insurer approved by Lantlor.gam becomes avadoble and is oblannd Borsrl�i shall pay lino premiums required to Inantam ,,engage assurance m ellect. or to pmvhdealoss resolve, until the requirement for gagsnsurance ands in accordance with any wttom agreement between Borrower and Lender a, applicable law. p. Inspection. Lender or its agent n, y make reasonable entries upon and Inspections of the Property. Lander shall give Borrower notice at the time of or prior toan SIs lion specdying reasonable cause for the Inspection 10. Condemnallon. The procee s of any award or claim) lot damages, direct or consequential, in connector) win any condemnation or other taking alluvium oft Pfoponyof for conveyance in lieu of condemnation, are herebyassigned and shall be paid to Lender In ilia overt of a total taking of the Prope7theoceads shall be applied to the sums secured by this Security Instrument, Whether or not (lion due, with any excess partl to BonoW In.l event or a painal raking of the Property, in Which the fang marker value of the Property immediately belore the taking is equal laps no, tar'lt all the amotn of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender olhiiiiia a a if,25{1 writing. Iho sums secured by this Secuuly Inslrument shall be reduced by ilia amount of the proceeds rulliplod by the lolloaiin.dq laioi . (,a) the total amount of the sums secured immediately before the lakng, divided by(bl the lair markel value of the Ptopeny indhod�jifery 01QQto the taking, Ally balance shall be paid to Borrower. In the avant at partial taking of the Properly en which the lair markel val�bglJh Progeny immediately before the faking is less than the amount of the sums secured immediately forthe taking, unless Borrower and L ndd�pin so agree in wilting or unless applicable law othorwse provides, the proceeds shall be applied to the sums secured by this Sedu y Ill he ant whether at not the sums are their due. Unless Lender and Borrower otherwise agree in writing, any application of plot 0ds'19 pV¢,ipat shall not extend or postpone the due date of the nwnuJy Payments referred to in paragraphs 1 or change the amount of suuCchh pays nts. 11. Borrower Not Released, Forbearance By Lender Ny! a halve . Extension of the time for payment or moddicabon of amortization of the sums secured by this Security Instrument graato y, 0d{1er any successor7n interest of Borrower shall not operate to release the liability of the original Borrower of Borrowers sucwessorlp inle}�e51 ender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or olhefivy4 modify amornzabon of the sums secured by this Socunly I nslrunnenl by reason 01 any demand made by the aagrnaI Borrower or Bpp6jo sgccessoa in interest Any forbearance by Lander or exercising any right or remedy shall not be a waiver of of Proclude the exerpispgl rygy�aght of remedy 18. Succeesora and Assigns Bound; Joint and Several Liability; 4loS, gnalre. The covenants and agre6monls of this S lcunly hatfun ent shall and and benefit the successors and assigns of Lender and 90 eW Wla,l eel to the Provisions of paragraph 17, Borrower's covenants and agreements shall be joint costly gal. Any Borrower who co-signs this Security Instrument but does not execute the Note; (a) is co-signing this Security astrumon(br y to mongage, grant and convey that Benowers interest in the Property under the terms of this Security Instrument; (b) Is not personally obilgated; o pay the sums secured by this Security Instrument: e; and (a) agrethat Lender and any other Burrower may agree to extend, mpdily,"1or at or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borower's consent'( I. 13. Loan Charges, I1 the loan secured by this Secuuly Instrument is subject to 0 I&hich'Sea maximum loan charges, and that law is finally interpreted so that the Inlere61 or other loan charges collected or to be collected In GOIreoiiwlth the loan exceed the pemeaed limns,them(a) any such loan charge shall be reduced by the amount necessary to reduce the chaTge,ld)f permitted lrmiL andde) any sums already collected from Borrower which exceeded permitted limits will he balanced to Borrower. Ldnd9, ayye ooso to make this rotund by reducing the principal owed under the Note or by making a direct payment to Borrower. II a reluntlfequc¢s;melpai, the reduction will be treated as a partial prepayment without any prepayment chango under the Note. �, ie. Notices. Any notice to Borrower provided for In this Soculdy hnstfuland shall be given bydelivHn g it orby marling it byhod class mail unless applicable law required use of another method. The notice shall be directed With Properly A_ droyrs or any othor address Borrower designates by notice to Lender. Any notice to Londe( shall be given to Borrower of Landoilly"'I Fon as provided in this paragraph. 16. Governing Law; Severebllily. This Security instrument shorn be governed by federal law and the law of the lunstliction in which the Property is located. In the avant that any provision or clause of this Secuuly Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security instrument or the Nola which can be given ellect Without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 18. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security instrument. 17. Transfer of the Property a a Benellalai Interest In Borrower. [fall or any pan of the Propertyor any Interest in it is sold or bansleued (or of a beneficial interest in Borrower is sold or transferred and Borrower is not a natural poison) without Lender's plot written consent. Lender may, at its option, require immediate payment in lull of all suns socurod by this Seamy Instrument. However, this option shall not be exercised by Lender if exorcise is prohibited by federal law as of the dale of this Security instrument. If Lender exercised this option, Leader shall give Borrower not" of acceleration. The notice shall provide a period of not less than 30 days from the dale the notice Is delivered or mailed within which Borrower must pry all aunts secured by this Secunry lnstrumenl. it Borrower lads to pay these sums prior to the expiration of this period. Lender may invoke any romeded; permitted by this Security Instrument wihout further notice or demand on Borrower. 10. Borrower's Right to Reinstate. If Borrower nsets certain cond,toas, Borrower shall have the right a llave enlofcarientol this Security Instrument discontinued at anytime pilot to the oar elf of :(a) 5 days (or such other penod as applicable law may specify firm reinstatement) before sale of the Papery personal la any power of sale contained al this Security Instrument, or fill entry of a judgment enforcing tins Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which than would be duo underthis Secunry Inslrument and the Note as of no acceleration had occulted; (b) taros and default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, Including, but not related to. reasonable attorneys loss. and (d) lakes such action as Lander may reasonably require to assure that Iho lien of this Security Instrument, Landon s rights in the Promeryand Borawn's oblgallon to paying sums secured by this Security Instrument shall continue unchanged Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain luuyelloclive as if no acceleration had occunad. However, this right to reinstate shall not apply in *** OR; 2858 PG; 2961 *** the case of acceleration under paragraph 17. to. sale of Note; Change of Loan Ssrvieer. The Note Ora partial mlua lm tha Note (together withthis Seeuntymssumeng may be sold one or mote tarmewilhout priornoticeto Bobowec A sale may result In a change in the entity (known as RaiSONICer') that caliecls monihlypaymonls duo under the Note and this Security lnsbanord Thera also may be one or more changes at the Loan Servlcer unrelated to a sale of the Note. It there is a change of the Loan SONICer, Borrower will be given written notice of the change In accordance with paragraph 14 and applicable law. The notice will stale the name and address of ilia new Loan SoNtcw and the address to which payments should be made. The notice will also contain any other udormation required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances rot or in the Propony. Borrower shall not do, nor allow anyone else to do,anything affecting the Property that ism vanalion of any Environmental Law. The proeotlag two sentences shall not apply to the presence, use, or storage on the Property at Slash quantities of Hazardous Substances that are generally recognized to be appropriate to neutral residential uses and to maintenance of the Formerly. Borrower shall promptly give Lender written notice for any investigation, clear, demand. fawsutl or olio' action by any governmental or regulatory agency or private party Involving the Property and any Hazardous Substance or Environmental Lawot winch Borrower has actual knowledge. If Borrower learns, or is notified by ally governmental or regulatory authrnly, that any removal or other retaliation of any Hazardous Substance affecting the Property is necossary, Borrower shall promptly take all necessary remedial actions In accordance with Environmental Law. As used in f us paragraph 20. "Hazardous Substances' are those substances claimed as toxic or hazardous subsiz aces by Envnonme vital Law and the following substances: gasoline, kerosene, other terminated of toxic pelrolnumproducts. toxic pesticides and herbiatles. volable solvents, materials containing asbestos or formaldehyde, and radioactive materials. Asus10q this paragraph 20,`E,nvnonmontal Law- (,loans federal laws and laws of the jurisdiction where the Property is located Inuit relate io fie,AIIY/Aqlaity or environmental protection . 21. Aecaleielion,FFFFp rhedles. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreemenL.�n-!Srkajfdy Instrument (but rat prior to acceleration under paragraph 17 unless applicable law provides olherwisel Thomalicesfilffll spF,IY ) the daIUlf (b) the action required to cure Ilia default. (c)a date, not less than 00 days from the date Ne mecca is given to ponuvl@r, bywh It the detaulf must be cured; and (d) that failure to cure Ilia default on of before the date spocthod in ilia nonce may result in accelu' 1 ol;jitp sums secured by this Security Instrument, fureclosue by judicial proceeding and sale of the Property. The notice shall funha intoBorrowmanuals of the right to m uals alter acceleration and the right to assed in Ilia foreclosure proceeding the non -exist, ofaJgf rill orally other defense of Borrower to acceleration and foreclosure. IIthedelaullisnotcuzedenor before the sale specified in the no ice, Lender, at its option, may require immediate payment in full of all Sums secured by this Security Instrument without ludher demand and May fFell{use this Security Instrument by judicial proceeding. Lander shall be entitled interact all expenses incurred in pursuing the rmtiedlespfoyPded In this paragraph 21, Including, but not limited to. reasonable attorneys loos and costs of the title evidence. 22. Release, Upon payment of All, charge, to Borrower, Borrower shall pay an 20. Attorneys' Fees. As used inl by an appellate court. 24. Riders to this Security Instn Instrument, the covenants and agreements t agreements of III's Security Instrument as if J Adjustable Hale Rider " Graduafad Payment Rider u Balloon Rider Security Instrument, Lender shall release this Security Inslmntenl, without i and the Note,'atlonleys' foes` shall Include any attorneys' loos awarded I. e'n S((a sair(, ddors are executed by Borrower and mialvdad together with this Secury h suc�Id�A�'aKalbo incorporated Into and shall amend and supplement the cownrumis and derlsl ePe'9yaa of this Security Instrument. (Check Applicable Box) Rate tmprpvfain@nl Rider L-J Condominium Rider 1.4 Falrli ❑ Biweakty Olher{s)(Specdy SIGNING BELOW. Borrower accepts antl agrees to the terms am executed by Borrower and recorded with it Signed. sealed and delivered in ilia presence at Wtlnnss Signature: ��/l�A6rzrL -P� �LGt/�(:� Wdh1 �r, llzl r��'eY/l)[Gcv� noss Print Nama'. (-,- r witness Signature: Lu L.0 �-L`yla,1:ZJ�1�/. Witness Feel Name: Wc'x�t 1.1 ll K`,QO+ ❑ Second Home Rider El Planned Unit Developt,.,it Hider in this Security Instrumem and in any trumps) Signature: Borrower Address: t)d1,4 Nap I i_:: , 1� t1 i mow,IPlot idu 14117 STATE OF Florida COUNTY OF . Collier I hereby teddy that on this day, before me, an olllcer duly authonzed in the state aforesaid and ill t doNnry aforesaid to take acknowledgements. personally appeallotiNotions,me p d Rene Ortiz A Notions, Ortiz to known Ira be the ersdn(s) described in and who executed the foregoing instrument and acknowledged before me that HEI SHEI THEY executed the same for the purpose Imam expressed WITNESS my hand and official seal in the County and Smle aforesaid this � q G t / .3 . ,2001 My Commission Expires'. f ( `k (f I I I Not' Alns,8l RIUM Lti _ 's 1 NoMrvis RKAsd HMM (SEAL) t Pea dui O`'QY yl CaNrOOPP p �ylry Yf90M.014a. CC191070 pi 7jx, 17np� of rl YY; MV':S:vdt Fug?Ff ,..I. N'i. INSTR 5578725 OR 5527 PG 409 RECORDED 6/28/2018 3:59 PM PAGES 2 CLERK OF THE CIRCUIT COURT AND COMPTROLLER, COLLIER COUNTY FLORIDA REC $18.50 Prepared by: Wendy Klopf Collier County Community & Human Services Division 3339 E. Tamiami Trail, Building II, #211 Naples, FL 34112 THIS SPACE FOR RECORDING /., RELEASE OF LIEN KNOW ALL M 1t 1{� HESE PRESENTS: That Collier County, whose post office address is 3299 1 . Tamiami bra ,'Ngples, Florida 34112, the owners) and holder(s) of a certain Impact Fee Waiver Agreements e4cuted by Immokalee Habitat for Humanity, Inc. to Collier County, having met tWf`5 year affordability housing obligation associated with the $80,203.71 of SHIP Impact Fee Waivers; o which is hereby acknowledged does remise, release, quitclaim, exonerate and discharge from �} lien and operation of the said agreement, that certain portion of the premises conveyed by sai'd/lien, more particularly described as follows: The undersigned is authorized to i named properties, and consents to said properties. This Release of Lien was approved b ZlIre a 0 L 2018, Agenda Item Exhibit A release these Liens with respect to the above- g forever discharged of record with respect to of County Commissioners on ATTEST.— * -'•. BOARFLRil ©i �]' COM l65 ' ;� OF COTi�;A ja„ o :....._. y Aiitttt ( 8 yt�l y a BANDY SOLIS q" RMAN pprovel'�toali<orim and' 1 ality: ! ermifor�k,-Bsi io- !_... Emily g, 47gihAssistant County Attorney iT** OR 5527 PG 410 *** EXHIBIT A Various lots as listed below for, Naples Manor Extension, Amended Plat according to the plat thereof recorded in Plat Book 3, Page 101, of the Public Records of Collier County, Florida. BCC 15-year Impact Impact Fee Resolution # approval-' - CO date affordability Legal Description* Fee date.-: end date (OR/Page) Amount 94.377 6/711994 1995 9/21/2010 Lot I, Block 5, Naples 1956/0918 $6,169.52 "Az Manor Extension 94-378 6/7/1994 ' ,_;2l2' �1�95 9/21/2010 Lot 2, Block 5, Naples 1956/0924 $6,169.52 Manor Extension 9/7/1994 12/81/1995 12/31/2010 Blockr Naples Lot 3,94-385 1956/0966 $6,169.52 Mano Extension Mano 93-468 6/7/1994 6/24)1A94s` 6/24/2009 Lot22, Block 4, Naples 1956/1065 $6,169,51 Manor Extension 94-379 6/7/1994 4/8/1996 ; ",9/8/ 011 Lot 27, Block 4, Naples 1956/0930 $6,169.52 Manor Extension 94-383 6/7/1994 12/31/1995 ''•:,:3 12bI0 Lot 28, Block 41 Naples 1956/0954 $6,169.52 .� •. •: Manor Extension 94-382 6/7/I994 2/1/1995 I".' ' f.. 2/11, dl,'0 Lot 30, Block 4, Naples 1956/0948 $6,169.52 ,• Manor Extension 93-471 6/7/1994 6/3/1994 6/3/2009 ".,, .ot ..T~45, Block 4, Naples 1957/0299 $6,169,51 nor Extension 94-381 6/7/1994 7/26/1995 7/26/2010+:� ' LM"' , Block 7, Naples `Map 1956/0942 $6,169.52 ; xtension 94-376 6/7/1994 7/31/1995 7/31/2010 ,k"50 - .Block 8,Naples M AQ6& nsion 1956/0912 $6,169.52 93.465 6/7/I994 6/24/1994 6l24/2009 { Lot 33 ' Ck 11, NaplesMatYo,xtebsign 1956/1093 $6,169.51 93-466 6/7/1994 6/24/1994 6/24/2009 Lot 34 ,%cj ' Naples '. 1956/1079 $6,169.51 Manor E ns' n.. 93-464 6/7/1994 6/3/1994 6/3/2009 Lot 32, Block 11;, aples 1956/1086 $6,169.51 Manor Extelsiotff • • 2841691 OR: 2875 : 1761 15000 0 0 Aetn: roan o HOUSING I UIIAI IXPROVININT IICOIDID in the 01IICIA6 RICORDS of COLLIII COUNTT, ID ODtI AIC III 15.o0 1010 N H01S11X01 DI 1145 01/14/i091 at :1:ISAX DNIGHT 11 /FOCK, C0111 DOC'.15 51.50 NAP01S 11, 00101 SECOND MORTGAGE THIS SECOND MORTGAGE ,-becully InstrumentI is yrvw, OF :let :',' '001 The Second Mortgage' s Novella Williams .... I,Lende '), nhlch Iy,vg,ulln•d an!Lmsmq, {'Baruwar"I TI Its Security InslmnlenUs given lu .. ' ' ... ',. !. :.... .: .. : . . ... all doI the AVIS of 11,1: _ulAUd Slates u1 Aramett fall! whutiu aJ Ll.. ? P'; I, lfmmww twos Lrndenhu sunset Tifisan Thousand dollars (U.S.S 15, 000. 00). v`,1)'J11it ovkonecd by Bmwwef s Note dated[Pill sense data as fir$, Securay,•I?tmmem I Second Monya9u'I wh,ciO e,u Ions roe+I hGmeatead with Ilia hill OKA If nut Pall Fadmr. dun al to Phvdhle uu gala of pricapat reiishanca, aramption. This Security Instrument sutures to Lender •d !I'll `oVaYnttlet of Ilia debt of a n"iLo by Ins ift......mJ an fantu tb. exlelowlls•llW nuu111ic;dlons.Ihl the paynuml ill allupu•Isnot, with interest advanced under peruymph 7 to pWM:t fill' +e:un!v!n the Security 110111 lanl and (c) Ilia Vndufnsanco of hallowur s :;.'°,niwaty W tar Jo 1, alto elha loliuw Fry dusuipud W opuaV Weelud IumoFfl,1e' Nod Far Ih15 VufPost. Hunuwpr Uops hereby octal mungago gnlnl,lli Meru Padnu6ulY do Public records of 1 will(:,, IWs Part 4, according to plat recorded in Plat Book 7, Pages 66. 67, 1PVum•nann's ""ItsIOGE fHE I I WITH all Ihu Vovanlnds now urine vt ru t,daelhu WUVurry.nel0lsasenmm. ry5e1s royalties. linabral, oil and gaff rights fodprells.}vFour nyh.Sard.b,1end All teilums now ue heµ dill,dll,ul al Iho C, rPvrly the S`xtlly4 Inslmrncul shall hall ,:uvur nit rapinrrinenlF`xJ d ad oboes All A tare funtyulny Is interred le 111I1us Se'euuly Insimnhvtt its lhr'4Vy` " tfORROWEN COVENANTS Ihpt ybFlown(lS lawfully se,led 0111so estate horuby col IVeyed .red has o'o nyhl la molt 1 grant and convoy Ilia PfOPtI nY dud Thal the prop y IS silencwnVume except for cn uumb fulces ul raeoN Bmroxv..wavanls and wlli dola'nd yene'IGlly tbu Odin llurPmpody :udnnml:al cLlfin rind. Le, o:wiP. •.,Itip•cI ru any cnclail n'Cus ,I...lure THIN 8ECUNITVINSTRUMENT CUUI nee u_t fout) Coyle ldads lot lleflubill Use and nun of This with Llmt,rl van.ne'•n9• lunsdmtmn if, COMFoUto a urnlonn sarunly InslfufllUhl QhIF(I met plopony UNIFORM COVENANTS BGeowef 411YLe'runhp,'u anent and Gyres, ill lollmvs 1. Payment of principle and .... reel Pr sY'�e gr!tl Lala CMrges' Borrow-' birth[ I..... YYaY Atu'n due tall pnnC p4' of ant) lulmu.l w, @,: tluU, uvlduncnd by she N, lu Q. Taxes. The Modgagor well Pxy all t a it S SUSpn ,W/+, sewenanls or WAtunntu. V'iur W llw aacruawl any Vend a e. m dort.t thereon / /11 The Monydclle shall pay or cause to be Vaud, its hit- dlul;,L•l , d Fly trust re IAn11.oi tax is eVu ,rvornmm�it ilia"FlaI any kind wihnbOU•mr wInch they el any tune be lawsuit, -is-- apeil:• ,2/160, tZlers1 u. well, Use. Occupancy, to um Pro rt "dt'l .111 unity sea OIle, charges Inchnliny'service charges". incurred or IrepCoUd fur (ip •'rpm di�s. nlaununiutca, use. uccuVancy. uVkueV end unpruyemam ul na' Property Anu l'JI all n5sessmof t5 UI other gGYafI,nlUBlas (.hinges� )l at inlay Iaylully be VNd In Installments over a Period al Tolls u`r Monyxgur shall be ubllgalyd under she Monyuyu to Pary of situ>I•FrIL'`tv.rllar such uesChnnunnz,u an>mquvmllo nep.m!comestoo Innn ul Isle dun{late. xmt shall pmn'Plly alto, Ili. Patients of ;uiy a IGi.y94iu)J//it inward to Midthu)ae omdenau ul sur11 Pnyne,rll a.APPlkatbnofPeymente.UnhSCapVheab,ioVlrwlseYllm� �,allpaymunlsnewvulbyLeedulshasIonAI'Lh!-,Ilr.tt, interest dull and to Vnnclpla duo end fit St. to any line 01 IVFill' I" UN lie N9r 1,I I OF 4.charges; Lends, Benower shall rely All luxe+'ts+sin ribtn,I5V9u L7tl`s�11 aryl B......OIIINInrydVWnraP.'t Ivl mldar maY elhun enmity over tills $Ucunly insimnmpl i111U le,dl.hutJ L ty y J all nuhcus of amuunis 1u be paid under this paragraph and till mr.elpis uv doycnlgl,jTTYlnnlls Bunuwul slla proinVlly UlsOharyG any bun wludl,wsVm+nN uvm Ilia S(2wr1Y,11slru teed unless BOnolke on ayu.xsmoniodlo InopaYllandus the obligation secured by the lwn in a mannm asaFplabW tolandBt.7b) nlostsin good tell] thelira by old IGnds Ayainsl onloratnemt of an lion m. legal p,oceudlnps wh101 he the Landle s ev-uhn upolatd l Ixawnl Ipe wdurcuuuuli ul llh' linen. or ic'sA'ules hem the nu,uur ui mu Ilan an agmemanl sellsiadory to Lundur subwdinAbny Ism Iwo b Inis StityulIV plsiruntuni It Lends. 0 eammias [Poet any pad of Ihu Propudy 1s Subject to a Ilell which only anal, Puufl y Fvor the Socunn InstruilGufifil L 11(!}ul mdy yrvt eswwof a n.nuw: naanenng It hen HorrOwvr shad Satisfy Ina lien m take une or nurse o1 It"' arhuns set IOnh AWya'va hit. W:Qays of the gn'ng7 ut not'ce a. Hazard or Properly Insurance. tho(Owto shall troop 1110 1nlPlovumenls nt>�oxnjlnhg- r net) dial ettv,wd rn nu Pr: party mse ed ayaa:sl Ions by Ian, hNards included withal Ihu luau exh.nd •U u'vnlayu' end any Ilt , n Ili rite. .....,Ill I n 1 Foals , rIa d n 1 t r which Lentaff trustees tesUrarlCf' This Insufalica Strait be Ilea n ......d x1 Ilia do o'"ll dui( iur Ili ydl� Js [flat L IWJr r . lu r ih..• drsnlfel'Lle efrel Providing Zile subsistence shall be unosnn LY 11 m 'w n sublecl to Von 'II ah .hall not 00 Wm 1 undtily mustard diW,wwwlmis to mmnlam covorayoumcnuud Auuvc Lundur maY.:U LmrdorS UVtiutl uliLiit cc d yoW pwtic'dlt r. t.rs:Iyhh m nnu Pnquutynl,o:curdimcuwah paragraph] Al all hulas that ltu! Note', eelslaedmg• ilia Morhagul, I In [Pram ntawan<e w•m respect to tile P e (all I- such risks and for such HIII(uats as ismuo o.nhPoy dnumdnyan.l and"W"s tote' ntu'..un.'uuv.nW p.p'ablo asi pension 1u msPecl ihurlft Including, bun nil hauled Ill All elk renounce prmuceng the a to'esfA Oylbe-kjxiftya9d. and Mayagee against loss w dnmayG lu the Prennses by bra, hg„Innill end allies casuGluls custoulan'y insured ill st uncinuing bettor Feet �>I.;r1 d against las sdejugis10hepheatures afusesd a bylirscovom9u mxla,surnine awiudngdebnsfelmlilicOVenlgt Suchnsmanduat allinos.tobe. Win it m an .ununtil mil loss that the lull m rluoplacaani cost of ens Prwnises uxcWarve at IWenys and IounJileuns. Aeo,ulaUCu PUlfne5 ell;olwalS sh'll'tllaccoplabit h:LrlldUf 'hill sheil,Iv;lixW it standard Intrastate Cidasa LC.Idef $ittll liege reilia uwIngle l nukeus l'nodloss!Bonowm sl,H gnupmmpl nOliclower lu lllUmsu(larceceam and Lunde. rtululva nnu YnahueApne, Ileflovalolu,'ass if nut nu,dLe prmoplly by Bor(OWOf. unlusn Lundorand Bnrrnfell Olmlwlse Agmeill wnn41,1uurumu plocaaUs shall bu aVPlmd to a'slorahuitmreVaF Fl iho rope y dans'lyud IF tire 'esluratmn of rupee s u';mlonucxlly IuasNlu .tell Lender's stonily Is nut Iessuned 11 list wstor,jeun Or rel'au I. not ecmmnuu.,tly luavble of Lando ssGnunly wuuidbolussen'hl Ism Iusunuua: prucoGus shall be applied to dorunts secumu by Ilio 5eeuuly Instnxnunl, off ads Far of not then duo. will, any excess Paid IF' it' muwm II B eruwur abandons Ihu Property. of dole nut the utsw;llcu VoocetdiCeeds Lander wulun dd days a notice front Leader that the insurance earner hits ediwud br suumncinnn, Then Lendm linty cGlhel neat one tiro prFLred5 hJ fepHe br IGSIOm Ihu Proptldyer,u VuYnun'•e secured lYlhls SecunlY lnslmlVenl. Allelher 0l llUUhen Jae TGe JP day W Fruit will bu yin whut 1110 Itollee ,e alallad "[Pius Lmrd01 and Burrower otherwise agree fit writing, airy apipIcAtKul 01 prected5 W pnncgllu .beta nil extend or Postpone Uru dull dolt GI ale nw111h1y Payments fulotlud to ill paragraph i to change the Antilles at ma paymmnis it under paragraph Pi ale property is aegudod by luudle Borntwle slight to any nis'uranco policies and proceeds resulhny lmm daNatyu of go, ItroVUlty print to Ilia acyuisnl0n shall Pass to Lblelir to the extent of Iho sums s.ouned by this SuemIIV InslrummIl beneusdely prior to Ihu acyu... troll 6. Occupancy, Preservation, Maintenance and protection of 1M property;Borrowo'a Laren Application. Leasehoitls. er %ball in ys dsj Of this Instrument Alyd shal�conbnuesfo occupy Ilia Property as Eveake r S principle losidorwu lot lat least Gila year after aftertia data us Occupancy unless Lelan u�ines con agrees m wining, which consort ITIO shoal not be unreasonably withheld. or unless extenuating eeconrstances exist WWhich ebb) on Ilia Pnd Borrower's owerrowmtrol Witw3frinilll a�YlFdFdmunc,mnurprnxaotling. wproperty olft e�c vw�nGP1oporryS bMuir lhate, Lenw>rs OR; 2875 PG; 1762 ynl:d ibis p'dgn::aa ,.:,will m'a.list, Inrlr,Ansk :O Ihu Pk.jn ny •,I Ile -lam [nkdb,(by I11I, So.:umy In4h. ask" I? "r LmelmsV:..aulyutluun,l IfouW:w ur.+y:.um.uW: e,l:aami.n. I!,Ina d••Vv,vuA:dmV,un:poph In bycan•.Iuq llnlahhun,n in..-danq to be d's'nns':d wall a ruling that In Lerida I IS good tddis (beam•.^ c- ': I "credits tudollum of tow III a Ifdeust tit tiro I"Openy "r "than Ulmenal unparrome of fire Ilan created by INS SOCIROY to so main or w Lender s security Into lost Boo overbuilt insane m default Borrmvee during Illy Irian dpphcall0a proCOSS, gave Inmoudlly Ldsu as nnJeew,d" rid onnallob or slaty lands to Lender en Lulu( et, Prowse, Le ali, Islas ally 'coastal udonunuon) It, cor+nocten Ann the ludri tmtlenc,nl I'1 ea Nor.. mcWdnlg, bur not hnnwd to "IV r.stn6eons duncaa rnty Bur..."n .::.np,nry>fif... Plepnrty,v, a leO.. ... 1rs""ll l'LCr :111. 1..sn ly IIHI1l1aknotA In h'.+4PILA,I Boo.:N,U 411.111:: u11{I, Ads.1!1 IWrVe•vr•:.ro .,I nedmre• itH"111,wln . e.p.... F, b•o I'll.: u'nk.'h 1 -.1, lb,•h,e,ntn:kl dud flu:L:,'hlh••.hdll and or. a h•:.u,,' .1'4:I'a o"', to till! ue•np!, it wobm( 7, Proleellon of Lender's Rights In the Property. 11 Bmh'oe' Iatb to padann oIu ewenunls and a)men'enls eantanmd m Vest Security wbinn ird, III there's a legal proceeding Thal may syr•I:na,uely enact Lender's basis its the Prup.ety Ruch as ,t proceed:light bAnkruplcY Vlr'b,do fill InInduall+artal or Ibdellere ter lu Ver", N AA+„IWilelabol+sf, then LCNIbr In,ly('O and ay lot Anatever p In'Ce. NSAIV to pmb:.In:::vlele,.11111,Pa,hunydml Dsills'. ugbl•.:ellr ,.+•:.p"I I, Lnuay.....lens n"ry nonsh• whmb rim puuniy,v,r ihls SUcunly Inslnnnwll, aVVuanny nI uanl t+w'ny eumuu:mle alieneys hies .Ind suturing m' Ilm 1'rbperly L. n'nAv fopa05 Alll`ouyll LbnJef llldy lake eClen unUortlas pabiylapn7 L.voeldeesnoleavolo do so Any amounts WSUursatl by Lender unum his parayralsh 7 shall local le fldlbbolail deal (It B001Mfo svru'ea 1'Y lu'$Sacm.ly 1051rtimpbl UnI.s Bo...war and Lender ratan to olhel terms of payln'mt House amounts shall bear 'robust fruit' it ud,ucIt asumsumee at tow Nate 1,110 and shall be payable. with mlohasl. Upon nuhcu hula L,ndur In Bonawof roquhstl'19 yl must 8. Mortgage Ineufanee: It Lender faqu0ed moulage nbuhnc0 as a canceler of thinking lilt, Juan secured by urn Kdtle:ty IhstrwnmA. Burrower shall pay file premiums sustained to nnel:su:l eo rnongugo mead" el II lainct 11, 10,rl oyla ri r nUhhn ran •hill . ee,'sLelr.. I I"InAln, lryeuvil by I vudvl Lq,vt4 w crdu•, k' I':' ,n on., I Ifvul' t' Y t 7 p. sunstnnlnluY •!auwaleel Yy d� �e modgago mswancts P,avohbly ,, al'ad at a cost substantially egwvalene to Iho Bust to lfumowor ut OIL, nlun9ayo m,uumiwl {ftb41g8siy n effect. from an aUOnlme nwNJage ulSumn approved bV Lendm 11 bubstsemey uymvmeat "'cnµaye 'nsumbec cuvnago Is nab1�?aiblp. Harrower sinN pay 10 Lo Wc'u.a:b moolb a sumsquad m an,, monaih ill ark baby...... '•:n>u:arc,• penalties Umna paid Uy in e-wAun the Insw.mee euveayu I'n"d or co;muU to be in ogvwl Lu1Wer well accept use and mlanl muse payments ,,'I loss a solve I heJo mongeye Insurance Luis n•s,uvo payloonis may Ina Iorrym be acquired at lire option of Lank I r migief s insurance cuvardgg'1+n b 8ipQoum and lot the polite Ib,d Lendef requires) pleaded by an "Istan approved by lender ig,nn b"01110s saldilame;aid IS Ob1ifT U B•iirloK(of strait pay lilt, plennen'rcqusud to I"a' eta") nwngagu assurance ollu.9 VI to Vwv.de dIvss loser", until On. Isganwnunl If'! ril 'giigb mswanco -,III, ,I a:v;. e's Isn't well tiny Winter ayue:nvem Oulwavn I1nrn,Anr nnA Loll -all Jr applichblo Lev 9. Inspection: Leader or Its Tgnalt day make ma,unahne entries upon and mspeclnns 01 Um PmPudY Lender shall y:va Borrower notice at Ihu lime of or proof;10 arkms I chose s'pecdyulil vasondbuu cause he the "'special' 1o. Condemnation. The prUceiyyy s ut nnY •ovmd ur arum he dernayts, cheat o, co isegmnand al e0nn6ch"n Vole .Illy conduuh:du...ill(,title 1'Ik.nyOIany Van U�Ipoilmporly.or tarcomv!Y'lecu ur huuofcilamro tine, tin: III,,, asslynl:Il end Sn,UI b': par the Londe In few l:venl Ul aiolal labny ill lhl'� mpurtY,l�n wcwds+r,.11i nu nppiedlu the sums secured UY I+InS xuury uasfrumom tNan,er Or not labor den, will. any axeoss Peru It,0."'.! flf 1'1 �r,e urm't . I n Parma takely of tile Properly +n Which too bur m,ukee v,iwe of IhU ProVudy eeuudh+!ely bolnru the Iaknlg n aging l,:u``91 a a a ih.nt !h,' amwue of the $u015 $CI: Wed by fhb &![only InSVU'IIUpUInlPvdidl0ly b der" iho hlkmg unless Bomowor and L ender Llhofivlsk' y Ue m Anielly, the sums SOCwed by giro Securely lFistful] lot ll hiker oo mauced by the ancient ill IIII! fractions fault food by ale fUllahtl�l''.1 `IIf I •I' Ire'al'J dme0nl of the scuts .Ceod meat(: lWa, bide." the Moo tit U'V'tleO by obi lnu eau malkul "awe of 1110 Property line dyny+9)I,NI'eat+mnaenu Any balance shall be 11,udio Buemwe' In I':e aronl Una padua one' p1 II,I I•"pl try its Sal e.h tilts In r .kdv(elt'•1I P1 Mealy:ee.... rd'slyhe1enl ill's I,dOil 114 h641tldh dal On Limit 111 lairssecured unmmb'dely for the taking. unless HUrrOWe andj:dhtlt, "It :111WISL agree III writblg of ulbess oppl!caWe I'll%utiwlW sb incynivs Ihu proceeds shall be applied 10 the sums secured by this S;If Iy Jbatram whether 01 not the Sams are than due Unless Let 0.1 also Borrower omeNrlse agree its writing. any application at Vroy orJs'io ya, oatpla shall not extend el Vu,nsmw the due dale 01 lira nprtdltly payelurlls relen:d bI n, paragraphs I or change ilia amount ill�� syy91i Ur!C'14mnis. p y 11. Borrower Not Released. FortleBanee By Lefltler No :! 1�lalm. Ex1e10t er of Ilia Irmo 101 I melt ill nwuan'abun sit Amodaalulof Ihusums secumd by this Securely blstrdnll 9r,pa{ Lf�)U0(r to any successor"' interest at Buuawer sit,elnclOperate to release one baUjey of file original Borrower or Borrowers successols wnli l Lander shall not be ugoned to co ll aun::e Vroeeedu'y$ against any succussunn uderosl or roluse to extend Inne fin pay'nun eJl!�erw'x. motley amomtallun ill iho sumssecumd UY lens Secunry Instrument by basal of any demand made by file original flonoww 01. E,Bk a oril, Successors 01 mlefesl Any fuNdarance by Lender m eX01CI41ny any note ur relhedy shall not be a never of er (n l n d it's, ex.fI;, j111y nyla ar rulnedy is. Succsssad, and Assigns Hound; Joint and So rl Ill itYlCaba a. TheCUVeOaOkdirellgnemiveS of lit SSCLmry Instrument shall hard dntl caught Ilia succbssers and assigns of 1-1111,101 and ow object to the PrOW61(ls of paraglepb 17 Borrowers covenants and agmuml,ndssrUll be'I ore Loos vend Any Bunuwu Whu et, signs cos Socway Immaenonf der also, 11.1 Anarade file Nmm Ian's cu-s19nnu1 hiss tiu..usay Inseunabm'dr to modgaya u. doubt 'told cenv0y tree Bo!oWo, S rider",]In ruP ,wparty under the terms of this Socury h'sifmlh:tit ' Us is not personal obligated to pay Ilia sums solaced by tons Security Instrument and u:) agrees Thal lender and ally other Borrmser play byres to extend modlJ[y iVmea! Of sense any acconaleddlwns retie regard to Intl hours of this SOCanly Instmment Or 1110 Note without that Burrower 6 Conrad�1 l 1 18. Loan Charge$: 11 the loan secured by lilts Slcumry luMfumcnt is subiecl eq 14IVwlacp ems leassenne loan charges and that laws really adeptOmd so that the interest of other loan charges cklecled of to be core,duce;che Icllp with the loan exceed the pemeeed Iuwls,thornlal ally such loan charge shall he reduced by bestseller necessary to reduce fatct, ro the peenMud lilt and for ally sure$ ulmudycuimclud Iron' Burrower•Mitch exceeded mounted Itnas well m> refunded to Borroxal\LbnU Jngychooseto Dukebusielundby roducmgthupr!uctpnouwodundmthu Nu000lbymakb'gadlftictpdynm11ot0BOr1OW01 If a'at 11 UIfce9 principle. the reduclwn cum Ua IreawU as' a, NothpmVaymnol wMoB sly OrPaymun charge under pre Neo. f'.'°_:. 1st. Nolleee. Any notice to Basic" Or proves" lra1111 ris Security lnsimmona shall be 11 floated bjali.lve logo or by madmyll by Lest class+nmunluss applicable law required use of another I Ilud ❑nnoticeshmlbodaeumdtu lhepmPudy me2serahy Ulhoraddrass Borrower designates by Indicts to Londe' Any troltce lu Lbndef shall be given to Boflowet ur LmlQti er'nhallxj all as Vmv'dod I) itns Paragraph ib. Governing Law; Bevemblllly. FaUond law are.' rue Lew Of t11e rynsd'cl'on in wNoia the p'operty es ledead snail yuvern Ill's Socially Innirunent In the event that any provision or clause ai Inn SOcu Illy Prominent of till! Nato euldhds Willi applicable lawsuch c0111110I,hali flat afludiAli rprowsulls of this Security lnsesel Ost or It'll Note witch cantor given effete W'tnaulthOCOONCenng provision To Ills rise ell.: v.uvn'on, ui Ib's Security luslruutnll dine iho Nolu au: tloclamd it, bu sevuubnu 16. Borrowe('$ Copy. BouaWm $fai l bu given m:a COWIlel eel copy of the Note and of tilts l,,uOpeY lnslmnlosl 17. Transfer of the Property car a Berad icial Into oot In Borrower. It all or any pad of the propany many interest In it is sold or transferred or d a benohctal maeusl In Bonowar,s sold of transitional or BehaWOr is not a natural person) wllhout Lemurs prior written consent Lueneamay.al lls Option. inquire immediate Paylnunl it, full of all Sens secured by this Security instrument Howtvor Lendmshall nut exercise tilts Looked d Iodoral law as Of the data at this Sucmdy h'slfumonl prulibits execae. It London exme'wd tilts option, Lender shall give Borrower nonce of accoluration. The notice shall provided posted of riot less than 90 Jaya from lilts data Tire notice Is Ualiyaladmnoulad Within Which BellUwer must Pay all sums secured bybus Security Instrument dBorrOWertdes 10 pay It loans prior to the oxp!raon 01 this period, Lander lady mvuke any remedies per rallied by this Security Instalment without further nonce or demand on Borrower. 18. Borrower'$ Right to Field state. it BoboWOI Ineals cananl conditions. Borrowof strait have lire right to have enforcement of fills Sacurdy Instrument discontinued at any brae prior to tuts wain' of of 5 days (or $Out, Ohre, pulled as applicable law may speedy lot femateteuerip mine sale Of our Properly prisoner la any pmwr ill ,tiro conla red it, this Security instrument or ion entry of a judgment entofce,y Uns Socuntylnslru'nonl Thosocoubhous are that Bunmkm (m pays Leader all suit)$which then would be due under this Security Instrument air(] ilia Note as 11 no acceleration had occured ail cams and default of any other covenants or agreements Or pays all expenses incurred ill enforcing ems Sscunly Instrument. elchmatg but ail trained to. reasonable attorney s fees. and so) lakessuch dcban as Leader may minita ably mauve to assure that tiro he, of fills Se: bury Insimmnd,Louis, S angles el the Properly and B0fuwer s 0119,1bonto pay the sears secured by lies Security lnslmmtsnt shall continue unchanged Upon reinstatement by Boruwer. this SOCumy losbdnlent and the obhgaLbns secured hereby shall roman lullyellalrvOa!, if m,acculeboml had Occurred HOwuver.Ih's rigid to m'nslate snail not apple In the case of acceleration under paragraph 17. Tom a OR: 2875 PG; 1763 19. Safe of Note; Change of Loan Servicer, The N A.? •dp,obalmlomst In the Note pUyelhW WghtNRSlnunryhlsllumenl I may be Sort inn ur more limes Without prior nuleo to 9on.Wm A.,. lit - oa, rosull m d Chalon In the, at tknuwn as Ihu "Loan SCtviCer'I that collects monllrlypaytn0nts due under lulu Note and tills Security bulnauunt. Than, asV nlayle one or chauyts ut lhu Ltiul S.11CIII unrolanoJ104 Sidon the Note it there is a charge of lire Wan 5onacer. Borrower will be Vivo,, written nobco or lire chango if accordance wan pnrngmph 1.1 and applicab u aw Tho notwo will slat` thr name and address at the flow Wan Sarvicer and the address to Which paynmbts srlould Do made The notice Will also contain any otll.`r ndormation required by applicable law 20. Hazardous Substances. Buuowor shah nor aubm or purnnt tire preso leL. use, disposal storage. or feloaso of any Hazardous Bebhla nco$ on or m Iho Propuny BJllow0l Noon Iot a: •rm allow love,,. else to dotmNhmg lik-cling the Propmny tn81 is m viulabuu ill tiny Envuunnwnallaw Tonfxecethng two se1610;01 1I1,111]fill aPPly to the prosmilro.us(!. of storagl) on till? Properly of small quantities of Hazardous Subshlriees that lire gellefillly wCoyliited to bu appropriate IQ nerlllal foSmmaill Ubtb and to nidmmnaece of ile Prepodv BorroWCf St,ati promptly give Lando, Welted I1ul6u Ian Illy rlvuCtgab,)rl, damn JunheW, l"W',ot ur WhIl detiwi by env yovunnr LLgnal or regmItIlly ncya Private pallymvolving the properyand any Hatanf.us Substance or Envilonmonlal LOW ofwhitll RUfrewer hiSACIUal klluWiellgn It ROMMOr earnS, Of Is notified by any govonunonldl to reyuatory authority. that any, lomoval ur uihm mnredfatiun ill tiny H alareous Substance affecting the Prop a ny is necessary Borrower shall promptly lake all necessary renledial aclw,,s m accordance with Enveommntal Law As used a this pivagrnph 20. "Hazardous SubslencuV are IhaM1n>uhsldnces duf llud as toxic a halmdous substances by Envnuumelidi Law and the lutluw.iy substances gasolme kerosene. titian ll,ouilid;ria.. or toxic yelrotedm products, IoxaV pusrreWm,nlJ harbiwdas. vulalAe solvents. materials containing asbestos of Immaideliyde, told radmagrvernalermis As usedm this paragraph 20."E nwrunmem,u Law'meansfetleraNaws antl laws of the lumdclwn whmuihu Property Is Would that folahl lu lballl)1. sandy or onvironmmdat pfoWetion 21 • Accoltral xr Rianodles. Lando, shot give nceco A` ❑onuwnr prior to acceturalwn luuuwury Borruwurs breach of any CovanarA ofagraon'f ai (o4181} Secunly Instrument tbut not prior to acceleration under paragraph 17 unless applicable law provides otherwise) ThanulicedhAl city. (a)Ine default. to) Ihu actionraqunod to cure the default. (of a dale, not loss their 30 days tram the dale Iho noico is yivet to Nor $a rby w echthe delaull must becumd.,1110(d) that bolure to cure the default on or belore the date specified in the nonce may result a acc terd110 9`1 his sums secured by this Securdy Instrument. Of0closure, by IUdwial proceedeg and sale of trio Propedy Tire nubco slta Qddge •iljla`ll Borrower or the ngm to reinstate alter acceleration and the right to assud in the foreclosure precelLflgllle OulPexi51)rlce Ota d910'Wt'or any elllm delenst, at BWRIWar to acceleralwn and turmlusuru It llm dolault is not cured ono before the dale specdiod in Ihu riin,"K-LO'dof. at Js uption. may wctme unriludialo payment ,I lull at all sums secured by us Security InTuumtnl wrthudl fudher demaiidand"lay foreclose this Eecumy ubtnunembyluftelpmceadmg Lender shall bu emilled to Cuihhct all exponseS Icur red in pursuing lute rmnredms pr vldod ill this pnrngmph 21. including. but not hnutad to. reasonablo atornays feosdnd costs of the title evidence. 22, Release. Upon paymeni'ot At ms secured by this S.CUoIy)IISImmont, Londai shall mteasa this Sreumy Instrument watoui Charge, W Borrower Borrower Shall pay' recordation tlOsis 20, Attorneys' Fees, As ,,sod Ii uus, SJceia Inebuntunt and Ito, Note.'ntlomeys' leos'shot$ include any anon ieys fees awarded by an appaltaro coun $ ((//.. ``� 24. Riders lothieeeeUBty lnstruriLeOl:. if lop Iron,, riders are executed by Borrower a rid recorded together Will, this Security Instrument. the Covonanls and agreements of e wh�uch�ldhtshmt be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as it the rider )Ilf? pad of this Security Instrument. 1Ch rck APpheable Box) rl /. rr t� AJluxrable Hale Haler �-J�inV tmVr venl.ni Rider Condominium Rldur Graduated paymentRWor LJ h.l,kj7IyBi er tJ Second Home Rider rh :/ r. EanounHOB" Htweo `l ya;mn njNtler Panned Wet Oavelopnwut Rider u Otli triplicity 54� SIGNING BELOW. Borrower accepts and agrees to tire mans if nq yny Jhpl 'Ol amed in this Sacunty htsimnienl and 'I any "delta) executed by Borrower and recorded with IL Signed. stated and delivered If the presence of f s tilyudlu�9 B."641mo> •,le Williston, Witness Paul Mona ,. r Siynulurc "f / Bannver L Wiloess siynalum ��))LL ` �'Ll Witness Pnn1 Nano'i7/L t/ix( Address 1 1 d.� , STATE OF Florida / COUNTY OF Collor I hereby COfllly that on this day, felon) no,. all 0111CUr duly itutmoriied In the state afQrbat all v he County alolesdld to take acknowludgerielns. personally appeared Novella Williaxi to file known to be the porsonls) deS6,T-. l and who, executed the If toregouig instrument and acknowrodged before me that HE, SHE) THEY execurod the Santa for the purpxse therein expressed WRNFSS my nand and official seal el Ile County and Slate atna`e,nd ens July 26. 2001 My Cormlisson Expirus \ )Itv �10DIa PubII s�.Ignelyra Not arys Poo d Namo ISEALI WI M4 YtOIW�7110 W 00036310 Mwrry liffallell0eer•o 0 a BH15000,00 let„ 2902892 OR, 2945 PIG:, 249ZID1D 1600D.-00 roue 0 HOUSING 6 011AN INIIOVININT 1IC01DID It, the 0111CIAL 11CO103 Of COWIN COUNTTUfltll 15,00 INTIA 011`10 12/11/2001 at 02:0211 DYIGHT 1, DIOCI, C1111 DOC-,DS 5230 ATTN: NINDT R01`1I69-5101 SECOND MORTGAGE THIS SECOND MORTGAGE ('Security InslmnienP) Is given on August 30,2001, The Second Mortgagor is. Shirley roguaroa Lords I'. which is ongam zed mitt existing under TieshSecu rity tedSttes of America, eric to _ Collier l'o1, O N __ ._ __ _u ) 9 g under the Tows of the United Stales e1 America, and whose etldross is 3050 N,n t h Il.0 "':+ho" Ui ive a 1-t5, Nap L ore, Florida 34104. Bonowerowes Lenderlho Stri Fifteen Thousand. pellala IU.S. IT 15,000.00). 'Nus,deblis evidenced by Bonowars Note dalod Iho same data as this Security Instrument ('Sucund Mortgage'), which provides for monthly PaWnents, with the full debt, it not paid earlier, can and payable on Sala of property Refinance or Lnea of Homestead Exemption • This Security Instrument secures to Lender: (a) Ills repayment of the debt evidoncod by Iho Note, will Interest, and all renewals, extensions and modifications; IN the payment of all other sums, willunlomst advanced under paragraph 7 to protect the ancuny of the Securiy Instrumentand (c) the performance of Borrowers covenants and agworioms under this Security Instruntenl and Iho Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lundm Iho following described property located to Col l ier County, Flonli More particularly do cod, 'y'saminofe Subdivision, Block A. Lot 36, Plat Book 1 of Collier County Florida. Folios73180720208 ('property Address') ,. .:". 4 ali/lun St. tnu'vikl:,,lt'c,�Plo`.ifit _..J 414;' JJ r TOGETHER WITH all Itte)MyroVemenisnow or hereallor orecfatl on the properly, arid all easements, rights, appunenam'as. Fonts, royallss, mineral, oil and gas rights and profits, water tights and stock and all hxluree nuw or hereafter a pan of the property. The Security Instrument shall also cover all roplaeements slid, editors. editors. All of the loogoulg is retorted to in this Secunly Instrument as the `Property' BORROWERCOVENANT$itllari !!'war is lawfully Seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Proped is unencumbered, except lot encumbrances of record. Borrower warrants and will defend generally the title le the Property against Art lanneand demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT coral suz,arm covenants lot national use and non•unifofmcovanantswilhtlmiled variation by jurisdiction Io constitute a uniform securely Insdur iunl CI Slog real properly. UNIFORM COVENANTS. Borrower e08 L n-Rgvenam and agree as follows 1. Payment of Principle and Interest; P ot�6yHrgnl and Late Charges. Borewor snail promptly pay Abort due the principle of and interest on the debt evidenced by the Note. s. C. 2.Taxes. The Mortgagor will pay all taxes, ssm§n_ sewer cords or water rates prior to the accrual of any penalties or nlorost thereon. r.s ' The Mortgagor shall ay or cause to be paid, as' t sgq osppact lvoly become due,(A)(p all taxes and governmental charges or any kind whatsoever which may at any time be lawfully ass¢ Red pile to against of with respect to the Property, (2) all utility and other charges, including -service chalges', incurred or Imposed I ho'ep it . maintenance, use, occupancy, upkeep and improvement of the Properly, and 13) all assessments or other governmental char that' ,ryy lawfully be paid in installments over a period of years. the Mortgagor shall be obligated under the Mortgage to pay or cause to b' i4d ' by such installments as are requned to ber paid during the term of the Mortgage, and shall, promptly after the payment of any of gs , J,ggStin onward to Mortgagee evidence of such payment, 3. Appllcell not Payments. Unless applicable law movitle of a�,all payments received by Lender snail be applied; last, to It Interest due: and, to principle duo; and last, to any late charges duo undof, (� A e. Cheegesl Llens. Borrower shall pay aft taxes, assess ons 91iSrgayyl;lit `e5 and impositions attributable to the Property, which may attain priority over Gus Socutily Instrument, andaasehold paymonis aF.grdunN,ioPis, it any. Borrower shall promptly lurnish to Lender all notices of amounts to be paid under this paragraph, and all fecelpis ovidan in tile,a�ymenls. Borrower shall promptly discharge any lion whichhas Vriorlly ovarlhia oc y,l format unless Borrower (a) agrees in venting to the payment of the obligation secured by the lien Ina manner acceptabta to Landgr; (q)cooiests m good lath the Iron by. or defends against erichoomenlof the bon In, legal proceedings which In the Lender's op I I no orate fajdo ant the enfomerrientol the boo, or(c) secures from the holder of lire Ilan an agreement saltslactory to Lender subordinating the lien to this Spcunlymstrumont, It Lander determines that any parlof the Properly is subject to a lien, which may attain priority over the Security InsinuatenjKrandsy!yLmay give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions sal forth above ly(IMd%days of the giving of notice. S. Noted or Property Insurance. Borrower shall keep the Improvements nowskist ire 01 hereafter elected on the Property Insured against loss by lira, hazards included within the term *extended coverage" and any othgE'6a;a,(Is, Including he or flooding, for whah Lender requires Insurance. This Insurance shall be maintained in the amounts shelf r,thdIf de, that Lender requires. The Insurance carrier providing the Insurance shall be chosen by Borrower subject to Lender's 6pWoyaI eM If shall not be unreasonably withhold. ll Borrower fails to maintain coverage described above, Lender may, at Lendots option, oil in OvWage to protect Lenders lights In the Propertyin accordance with paragraph 7. At all times that the Note is outstanding, the Mongag6r 3h611,ntir lam Insurance with respect to the Premises against such risks and for such amounts as are customs ofy Insured against andpay.as the sit, gocorne due and Dayablo, all premiums is respect thereto, including, but not limited to , all-risk insurance prolech the uderosta ofthaf! gligager and Mortgagee against loss or damage to the Promises by fire, lightning, and other casualbe:: customerily insured age oncludmg holler explosion, if approprialu), win a uniform slandedoxlondadcoverage ondoisoment, mclodngdocris removal coverages Sech insurance at all limes roe in an amount not loss than the lull replacement cost of the Premises, exclusive of feelings and foundations. All Insurance policies and renewals Shea be acceptable to lender and shall rwludo a standard mortgage clause, Lendershaithave the right to hold the policies and renewals. It Lender requires, Borrower shall promptly give to Lender all meipls of paid premiums and renewal nolicos. In the event of loss, Borrower shall give prompt frolics to the insurance carrier and Lender Lander may make proof of loss 11 not made promptly by Borrower. Unless Lender and Borrower otherwise agree In writing, insurance proceeds shall be applied to restoration of IOPalf of the Property damaged, 11 the restoration m rapalr is economically loasible and Lender's security is not lessened. If the tostombon or repair Is not economically feasible or Lender's security would be lessened, the Insurance proceeds shall be applied to the sums secured bythe Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, than Lender may collect the Insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not than due. The 30- day period will begin when the notice Is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principle, shall not extend or postpone the due dalo of the monthly payments referred to In paragraph I or change the amount of the payments. It under paragraph 21 the Property is occurred by Lender, Borrower's light to any Insurance policies and proceeds resulting from damage 10 the Property prior to the acquisition shall pass to Lender to the adeal of the sums secured by this Secunly Instrument annlodlalely prior to the ncquisllion, 6. occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Emower's principle residence within sixty days after the execution of this Security Instrument and shall continuo to occupy the Propody as Borrower's principle residence lot at least ono your after the date of wcupancy, unless Lender omery so agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control, Borrower shall not destroy, damage of impair the Properly, allow the Propety to deteriorate. or commit waste on the Pfoperly. Borrower shall be In dolaull if any fodolluro action or proceeding, whether civil or criminal, is begun that it Lender's good bath judgment could result in fodellwa of the Property or otherwise materially impair the lion created by this Security Instrument or Yom o Lender's secuity, interest. Borrower may cure such a dofaull and rolnslale, as promdodmparagraph ill, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good falls determmahon, precludes fodudure of the Borrower's interest in the Property or other material Impairment of the lion created by this Security Instrument or Lender's security interest. Borrower shall also be in default it Borrower, during the loan application process, gave materially false or inaccuwio adorrnation or statements to Lender for failed to provide Lender Will any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrowers occupancy of Ilia Properly as a principle insurance. If this Security Instrument is on resonant, Borrower shall complyvnlh all the provision of the lease. If Borrower acquires lea fare to Ilia Property, the leasehold and the too title shall nut merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights In the Property. II Burrower faits to pudunn the covenants and agrountents contained in this Security Instrument. or (hero is a legal proceeding that may significantly alluct Londai s rights in the Property (such as a proceeding in bankruptcy, probate. for condominiums or tomotwo or to enforce laws or rugulalons). Iheu Lender maydu and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a hen. which has priority over this Security Ins amount, appearing in court, paying reasonable attorneystoes and oruonny on the Property 10,take repairs. Although Lender only take scroll undo, this paragraph 7, Lei mor duos not l ewe to do so Any amounts disbursed by Lender under Itits paragraph 7 shall become auction at debt of Borrower secured by this Security htslrument Ureess Borrowernnd Londoragrooloolhor forms of payment, these amounts shall bear interest Iran the data of dishursuntunl ai if to Note film and shall be payable, with mPomst, upon notice Irom Lender to Borrower requesting payment. S. Mortgage Insurance. If Lundur winning mortgage Insurance its it condition of making Ilia loan sawed by this Security instrument. Borrower shaft pay the premiums required to maatlau the mudgagu Insurmwe et effect. II. for any reason, the nongaye insurance coverage, royuuud by Lender lapses of ceases to be or effect, Burrower shall pay the plemlmns required to obtain coverage subslanllaliy ogWvalenitO 11)Jo mongaye insurance previously in effort, at a cost substantially equivalent to the cost to Borrower of the rnongage insurance.p7lyloyfsiyvm effect, (rum an ailemalu mortgage insurer approved by Lender It substantially equivalent mortgage insumncocovaragvts I!ffJayUblu, Rorrowur shall payto Linda each nomh it sun )equal (o call lwulllh of lire yearly mortgage Insurance premium being Gaud by`Bo{! werw,hun iho Insurance coverage lapsed or cuasod le, be, nt odoct Lander will accept, use and retain these psymanls as a loss res'o(vo )�f(IHu I modyayo msuranco. Loss remove payments may no longer be required, at the option at Lender. if mortgage insumnco revels a (et it �rnouni and for Ise pared that Lender requires) provided by an insurer approved by Lender again becomes available and is rih(i;Iiio 8p'lmwor sPnllpuylho pronuunts reyarodlo m;unlam inertgage msurancem affect, at Wmuval gloss reserve, un11i the regwmnlanl or pion utswance ends In oeestuance with airy written agreement between Bonowror and Lender or aPPiicable law. .� g, Inspection. Lendur�s agent pray rnaka reasonable ensues upon anW utspuchens of Ilia Property. Lander shad give Borrower notice al Iho Tana 0I ur pnor.lo:an fdspecuon specifying reasonable, cause for the Inspection. 1g. Condemnnllon. Thu,prpa¢a '� of oily sword of claim for daningas, direct or consequential, in connection with lily condemnation orolhor taking of anypart off Property, or for conveyance in lion of condemnation, are hereby assigned and Shia$ be paid to Lander. mine avant ofatotal taking ul IhS, ropugy, IIL proceeds shall be applied to the sums secured by this Security Ins'iruntorit whether or not (hen due, with any excess paid to BouoweJ -h1 a even) of a partial lakmg of the Property, In Which the fair market value of the Property immediately before lhu taking ISOquilt(f of gTO ter than in a anwatt at lho sums sac used by thus Security Instrumenimmediately O belorethe(akmg,unloss Borm man d Lou Walla I it§mein wailing, Ilia sums secured by this Seemly Instrument shall be radu:odby (Ire amounl of Iho proceeds nmiuplie by Imo fell isin' it ell n: (a) tiro total amount of the sums secaod Immediately before the Irking, divided by (b) the fair market value of ilia topan'fill iitlialbl before the taking. Any balance shall be paid to Borrower In the event at N panlal taking of the Property In which ire fair market vil igl111 fopanyimmediately before the taking is less than the arnoemtiml Ina sums "iCa secured immediately for the taking, unless Borrower as it {ol orwlso agree in writing or unless applicable law otherwise provides, Ilia ar proceeds shall be applied to the sums secure tl Dy this'5ucu iy.1. 91(intent whatnot or lot suns are than due. Unless Londe, and �tU Borrower otherwise agreu in wnbny ng, aaPPlmalmn of prgc�oit 1� II c plc -if If not extend or postpone the due data of Iha moulhly Gi payments (starred 10 in paragraphs I or change the anion(,, of sGc1✓Jafh Isms. 11. Borrower Not Released, Forbearance By Ldnd66r Na. Than. Extension of the little fur payment or modification tit N amortization of the sums secured by tans Security lnstrumanigmete(1. '�Uiiil%r to any successor interest of Borrower shall not operate to ,p release the liabdlty of the original Borrower or Borrower's sueeesSe; at ei(dre 1. Leader shall not be required IOeommenee proceedings W against any successor Interest of refuse (a existed tinh paymedGdiblli0i45 ntod,lyamortmahion of the sumssecuredbythis Secunly Instrument by reason of any demand made by the onginaI Borrower or Rorrq ra succossors in interest Any forbearance by Londe, in exercising any right or remedy shall not be a waiver of or preclude the Or ; Ise eLaV right or remedy 12. Successors and Assign Bound; Join( and Several Llabllltyi'Co-$Igoals. The covenants and agreamoms of this Security Instrument she 11 bind and benefit Ilia succo ssots and assigns of Le ride; and Bdt(berm;sb joint to the Provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs it my Instrument but does riot execute the Note, (a) Is co-signing this Security Instrument only to monastic,gr ant end convey iliac Do I' QWdi interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay Ihasums secured by tt Is,, yInstrument; antl(c) agrees that Lander and any other Borrower may agree to extend, modify, forbearer make any accommodations with regard to the loons of Ills Seounly Instrument or the Note without that Borrower's consent //'` id. Loan Charges. 11 the loan secured by this Security Instrument is subject to AUaw s )ch sets maximum loan charges, and that law is finally Interpreted so that the Interest or other loan charges collected Otto be collocliitlin' grtdldb,n with the loan exceed ilia Permitted limits, than: (a) any such loan charge shall be reduced by the amount necessary to reduce the sit? ale ta permittedlnmt, arid (b) any sums already collected from Borrower which exceeded permitted Ilmils will be refunded to Hof, rower„lt9rall as choose to make this mlund by reducing the principle owed under the Note or by making a direct payment to Donovan. It a talon--- uc99 mrciplo, the reduction will be treated as a panlal prepayment without any prepayment charge under the Note. 14. Nolleas. Any notice to Borrower provided for in this Smal.ty Instrument shall be givdrfby dpL ¢11jtg it or by mailing it by first class mail unless applicable law required use of another method. The ncheo shall be, dauelad to the ProponyAd�ILpss or any other address Borrower designates by notice to Lender. Any notice to Lender shall be, gwon to Burrower or Lxndotmhgn.gbion as provided in this paragraph. .1 J5. Governing Lew; Seveubility. Federal law and Me law of lie pmsmmiuriit. Mitch oru Propany is located shall govern lheC Security Insaumeni. In the event that any provision or clause of lots Security Instrument of the Nola conflicts with appueablo law. such conflict shall not affect other provisions of this Security lnsleument or ilia Note which unit be given sheet without Iha canllring provrsvon To this end the provisions of this Socially Instrument and the Note are declared to be severable 10. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument 17. Transfer of the Property or a Beneficial Interest In Borrower. If all or anypart of Ilia Property or any interest in his solder Iri nsieued (or it a beneficial interest In Borrower Is sold or transferred and Borrower is not a natural person) without Lender's prior wagon consent, Lender may, at its option, require immediate payment in full of all sums secured by this Socunly Instrument. However, Lender shall nor exercise this option it federal law as of the data of this Security Instrument prohibits exorcise. ll LandWs exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 90 days front the data tiro notice is delivered 0r mailed within which Borrower must pay all sums secured by thus Security btsirmnenl. II Borrower [sits to pay 9105o scans prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. 11 Borrower moots certain conditions. Burrower shall have the nghl to have enlorcontenl of this Security Instrument discontinued at anytime prior to the earlier of: (a) 5 days for such other period as applicable taw may spottily lot reinstatement) before sale of ilia Property pursuant to any power at sale Contained it, this Security InstrunonL or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Behavior (a) pays Lender all suns which then would be duo under this S@ewtly Instrument and the Note as if no acceleration had occurred; (b) curos and default of any other covenants or agroomonts; (c) pays all expenses Ineurrod In enforcing Has Security Instrument, including, but not Nwled lo, reasonable attorneys lees) and (it) lakes such action as Lender may reasonably require to assure that the lion of this Security Instrumunt. Lender's rights in Iha Pmporlyand Borowers obiugalton to pay the suns secured by this Security Instrument shall continue unchanged Upon reinstatement by Borrower, this Sotunlyinslruntent and the obligations secured hereby shall remain fully ultocialf as it no acceleration had occurred However, this right to reinstate shall not apply in (he case of acceleration Panel paragraph 17. rom 0 1 g. Sale of Note; Change of Loan Servlcer. The Note or a pamel ,,forest lit the Note (together with has Security Instrument) ulay In a chaugo in the orally tknown as the 'Loan Sonneer') that be sold one or more times wlihoul pilot nobcu to Bo'mwnr A sale may result monthlypaymenls duo undorlho Note and Pus Suw..lyrolamont There rise may be one or more changes of the Loan 9orweer collects dl be g unrelated to a sotto of the Nolo II if lore is act ange of the Lotto Sowlcm, Burrower wgiven written lease of the change in accordance ul the now Lean Sermcef slid the udJross to which with paragraph 14 and applicable law, The notice will stall ilia name and address payments should be made The ocalco WIII HIS. coution ally other elicitation roquiled byr applicable dl5FW5d, $WfdgC, UI (U Ja15U vl illy 20, Hazmdoue Subetaneea. Burrower shall nut cause er Vuunll Illu (terse Hazardous Substances on or India Property. Borruwer shall not do, taw allow anyone else to do. anything allecting Iho Property lied IS m to ,In use, or sloiaga un tho Property of small violation of any Environmental Law. The procednlg two eulllenc.s shall nod apply balance. presence. Hazardous Substances that are goneratly mcognlzod to be approprrato to normal readontml uses anJ to mainlenanco of lha quantities of Property. Borrower Shall promptly give Loader written nobco for any investigation, shall. demand lawsuit of olhur action by any guvernnaentat Substance or Enwtonmunlm Law of watch Borrower has or regulatory agency or private party involving the Properly and any Hazarduus actual knowledge. If Borrower learns, or is notified by any govornmenlat or regulatory minority, that any removal or other ronaodlation of any lake all necessary ranodial actions if accordance with Hazardous Substance affecting Iho Property is necessary. Borrower shall promptly Law. As used it, his P rfagmph 20, 'Hazardous Substances' am those substances defined as low or hazardous substances Elver nnaenlal by Enwromnental Law dnU the folluwulg subalancus. desolate. kofoseno, chair Ilununablo m toxic polroloule products, toxin posticdesand of formaldehyde. and redivolery t materials As used In this paragraph 20, la rbmides, volatile solvwds, nationals cunlemmg asbestos 'Eavia mnu.ml Law' moans Indent laws and laws of Iho lurlsdlctu l whom ter Property Is Ioftlh?J that rotate to IIJHIIn, sdlNy Of environmental pfolec0on. 21. Aceetarsllon;,(ielnedlea. Le'Idef Shall give noac r to Burrower pilot to accolotallOn following Borrower s breach ul any aion older paragraph 17 u aass applmablo law Provides cowma In or agree leant I!i In, SeCardy Insloulaenl IbOf 'lot pr an to acculor The lamp Paypa'ty (a)the delaull;m) Iho action required to cure the detaula of, for days data for bess otherwise) the dat1) ran efatut e specified the...lice is given loB reddf, y which tit u default must be cumd'.aud(d) that lallumtu curd lhu default of, or aeloro «ale dales ale ofthe Security Instrument, enclosure by judicial proceeding and sole of the file notice may result In Ice r5fia bn;ol the sums Secured by Ills Property. The notice shafft Kitt) A&Ir'aipnn Burrower of Iho right to remslato Staff acceleration and the right lu assort In file foreclosure lvrodaswe. It the default nutcured onor proceeding the non-existence Ipdel lit or any other defense of Borrower lu accnkfult al and require nmmban VUYmunI ul lull of all seats secured by this 3aSecuritydw before the dale special fn WaliCogC4( pe, at its option. may Instrument without hard lot on friend Tnif�qin}t ofoeloselhis Seuunlyfnslrunlentbyludiciaiproeeoderg. LUndorstaallbeanailedlocollstall t but broad to, reasollable attorneys toes and costs expanses incurred inpursuingIhn iPit rovded in this paragraph 2 1, including, not of the UIIe evidence. m 22. Release. UPon puyulonl,ol all yy}1secured by this Securitylnstrmneui. Lender shell rol0aso this Securitylnsaeruonl, valuedcharge, to Borrower. Borrower shall PSy HgSitf mother costs. 20. Attorneys'Foee. As'used In lhl Se curtly Instrument and the Nwu,'allenaly>t�es'shalluwiutleanyahumeystees awarJed by an appellate court. '� •` 24. Rlderalothle Securltylnelrument)Fon wnlvru niters tiro executed by Borrower and luco'deJ loyeltwnvdh this Ss'Lanry altoand Shelf anwnd and supplement the covenants andp xt trlslrumont, the covenants and ayroemenls of uTc suche der shall be incorporated agreements of this Security Instrument as d Ihu'f#i s�,wdri it part of fill, S.curay lusimair ll (Chock Applicable Box) u Atlmstable Hato Rider littler L- J Condonmuum Rider ll�a u Graduated Payntold Ratio �J f—1 f i IJ Balloon Rdor Olher(s) fspasfy v' SIGNING BELOW, Borrower accepts and agrees to file terms and 'et wpiiaT`Is emanated In this Secunly Instrument and m any nduas)� executed by Borrower and rocerded wilt, it Signed, sealed and duhvured ul the Presence el. Witness Slgnature.^(4t iL-/�,.-4-- �Ige B Witness Print Namo'M1M1/I 1G1IIvt'' I �)i. S'© footless Slgnalure'a:r6, Wllness Pdnl Name' �'j '�� 3 STATE OF Florida COUNTY OF Collier l% n I hereby coraly trial on this day. before too, an officer duty authorized at file stale alemsalnd\ 1 aeknowledgemenls. personally appeared Shirley ►efNero• to too known ro be the parSoA(a{'dl s%r��yZ foregoing instrument find aCknowledgad butom nao that HE/SHEI THEY Q.acetwl Iho San l0 l.r Ihn purpc o. ftlyl n .A u Second Home Rider t.r� —1 Rider I —I PIHII'IeJ BlIIt DUV.IUpi119111 RIJUI � A blur � er 1�Y eWar�, x! rnrowe� / , Address !nuil:7k slit'-,.. _._I'l, ie aria ...nJ lea Itaa e.uny aforesaid to )aka m mW who oxaeNud the expmssad W ITNESS my hand and official seal ut the County and $Into cal lit his August 90.2001 My Commission Expires: gFktyP bit Si letWe// �n Noto7ys Praded I�amoVVVL 5 (SEAL) W aaY l 1'pNqWpewf6e.Ne DID 10Aanynn. Nees 10. • • WILD 1501,90 oe>.t asaaoa ' uc rat ts.00 row o 6eC-,2S 22,2E SECOND MORTGAGE W as O M O N r � •• THIS SECOND MORTGAGE ('Security Inst(ument') is given on August 24, 2001. The Second Mortgagor is: W M OLlenita Saasett• M ('Borrower'). This Security Instrument is given to Collier County__ _ ('Lender'), which Is organized and existing oil under the laws of the United Slates of America, and whose address Is 3050 North Horseshoe Drive #145, Naples, M Florida 34104. Borrower owes Lender the sumo) Six Thousand live Hundred Dollars (U.S.a 6,500.00). M This, debt Is evidenced by Borrower's Note dated the same date as this Security Instrument ('Second Mortgage'), which provides for monthly payments, with the full debt. If not paid earlier, due and payable on sale of property, refinance, or loss of homestead exemption. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with Interest, and all renewals, extensions and modifications; lb) the payment of all other sums, with Interest advanced under paragraph 7 to protect the security of the Security Instrument and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described properly located In Collier County,Florida. CNO r 00 More particularly descIJ dJ $ Lot 22, Colder Village, Public Records Collier County. Folloa27192504206 e rr %1= and which has the address of ti m �D ('Property Address'): _ 668 Hope Circleal . C ^isy.,, t� F trunokalee, Florida 34142 ,rim ,�, i o, � R TOGETHER WITH all the )Royamenfs nowor hereafter erected on the property, and all easements, rights, appurtenances, rents, [v royalties, mineral, oil and gas right and profits, water rights and stock and all fixtures now or hereafter a part of the property. The Security :" Oo Instrument shall also coverall replacement# an additions. All of the foregoing is referred to In this Security Instrument as the 'Property*. W o w BORROWER COVENANTtZ _t at ,OIn we( is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convoy the Property and that the PPdp rtrtlt�r s unencumbered, except for encumbrances of record, Borrower warrants and will defend generally the title to the Property against A " alms and demands, subject to any encumbrances of record. GJ THIS SECURITY INSTRUMENT= ompi 0.sti!!�Iformcovenanlsfor national use and non-uniformcovenants with limited variation byjurisdiction to constitute a uniform security InsV10 cgvering real property, C..a UNIFORM COVENANTS. Borrowei:,e d. dnilddder .Covenant and agree as follows: N 1. Payment of Prinoipai and IntereJttRrpa . t and Late Charges. Borrower shall promptly pay when due the principal of 3 and interest on the debt evidenced by the Nole. , 2. Taxes. The Mortgagor will pay all taxes` s3,meAI$. sewer rents or water rates prior to the accrual of any penalties or Interest thereon. > > ll The Mortgagor shall pay or cause to be paid, it, fig^sd "BeYespectively become duo, (A)(1) all taxes and governmental charges of any kind whatsoever which may at any time be [awfully ass, s 6 6r lItivled against or with respect to the Property, (2) all utility and other charges, Including 'service charges', Incurred or imposed fi$[;)he,ppe"1r, maintenance, use, occupancy, upkeep and improvement of the Property, and (3) all assessments or other governmental ch " h� ?y lawfully be paid in Installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or caul gbe'pai only such Installments as are requlred to be paid during the tens of the Mortgage, and shall, promptly after the payment of any of tt(O,tfgelpb,,forward to Mortgagee evidence of such payment. 6. Application of Payments, Unless applicable Is provide ' InQQ' Mso. all payments received by Lender shall be applied; first, to Interest due; and, to principal due; and fast, to any late charges due u�`i.(he, te. 4, Chergas; Liens, Borrower shall pay all taxes, assessrnents(�E���r s, Ines and impositions allributable to the Property, which may attain pdorlty over this Security Instrument, and leasehold paymenls'ol'-qr elf re, is, If any. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph, and all receipts evldeq�ln,ti>e {payments, Borrower shall promptly discharge any lien which has pifiy over lhis�ySgcur,�ty I ,strument unless Borrower: (a) agrees In writing to nw the paynt of the obligation secured bythe lien in a manner acceptable to Lan fi`} c,'sets In good faith the lien by, or defends against enforcement of the lien In, legal proceedings which in the Lender's opinion oporala�{o-p fAttha enforcement of the lien; or (c) secures from the holder of the Ilan an agreement satisfactory to Lender subordinating the lien to I ecvrity,lnstrument. If Lender determines that any part of the Property is subject to a lien, which may attain priority over the Security part on r may give Borrower a notice Identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above thin 1, days of the giving of notice. e. Iffmard or Property insurance, Borrower shall keep the improvements ri0w a�Is(ngor hereafter erected on the Property Insured against ices by fire, hazards Included within the form 'extended coverage' and anyultSer axaP, s, Including floods or flooding, for which Lender requires Insurance. This insurance shall be maintained In the amounts anddd t Ir Ihtt:p ,Adds that Lender requires. The Insurance carrier providing the Insurance shall be chosen by Borrower subject to Lenders 8p , Which shall not be unreasonably withheld. if Borrower fails to maintain coverage described above, Lender may, at Lender's option, elri p ego to protect Larder's rights in the Property In accordance with paragraph 7. At all times that the Note Is outstanding, the Mo tj r ggeihafl, al Insuranco with respect to the Premises against such risks and for such amounts as are customarily Insured agalnslandpay,asttiii 'become due and payable, all premiums In respect thereto, Including, but not limited to , all-risk Insurance protecting the interesta of,tKe r1 agor and Mortgagee against lose or damage to the Premises by fire, lightning, and other casualties customarily Insured agat(i (IrlCiui7 r 9 boiler explosion, If appropriate), with a uniform standard extended coverage endorsemenl, Including debris removal coverage. Such Insurance at all times to be In an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations, All Insurance policies and renewals shall be acceptable to Lender and shall Include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. if Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the Insurance carrier and Lender. Lender may make proof of lase It not made promptly by Borrower. Unless Lender and Borrower otherwise agree In writing, Insurance proceeds shall be applied to restoration or repair of the Property Aama,wl If thn racinradnn nr ranalr Is annnnmlenity fansihia and I andars sacurity is not lessened. 11 tha rattnralinn nr renale is net •wall GVVIJ eNt J60u Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided In paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrowers Interest to the Properly or other material impairment of the lien created by this Security Instrument or Lender's security Interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate Information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on leasehold, Borrower shall comply with all the provision or the lease. If Borrower acquires too title to the Propeny, the leasehold and the lee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights In the Property, if Borrower falls to perform the covenants and agreements contained in this Security instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then lender maydo and pay for whatever is necessary to protect the value o1 the Properly and Lender's rights in the Property. lender's actions may Include paying any sums secured by a lien, which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' lees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so, Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the dale of disbursement at the Note rate and shall be payable, with Interest, upon notice from Lender to Borrower requesting payment, e. Mortgage Insurance. 11 Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage Insurance In effect. 11, for any reason, the mortgage Insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent fo'ih mortgage Insurance previously In effect, at a cost substantially equivalent to the cost to Borrower of the mortgage Insurance ptevfo Sly in effect, from an alternate. mortgage Insurer approved by Lender. If substantially equivalent mortgage Insurance coverege'ls n61 g'?ait ble, Borrower shall pay to Lender each month a sum equal to one-twellih o1 the yearly mortgage Insurance premium being paid Barr or-, hen the insurance coverage lapsed or ceased to be In effect. Lender will accept, use and retain these payments as a loss resi3 �. iey'o mortgage insurance. Loss reserve payments may no longer be required, el the opaon of Lender, If mortgage Insurance coverag(in h; amount and for the period That Lender requires) provided by an Insurer approved by Lender again becomes avallabfe and Is 01 t mild pl ewer shall pay the premiums required to maintain mortgage insurance In e88c6 a to provide a kiss reserve, until the to are in f moRgaga Insurance Dods in accordance with any written agreement between Borrower and Lender or applicable law. g. Inapection, LendBr'o agent may make reasonable entries upon and Inspecllons of the Property. Lender shall give Borrower notice at the time of or prim to alz,ins action specifying reasonable cause for the inspection. 10. Condemnation, Thepocaed� o1 any award or claim for damages, direct or consequential. In connection with any condemnation orotherlakingofanyparid(ih, rope or for conveyance In lieu of condemnation, are hereby assigned and shall be paid to Lender. In the avenl of a total taking of tha'P,. party,. the proceeds shall be applied to the sums secured by this SecurityInstrument, whether or not then due, with any excess paid to orroy,er. Ill he event of a partial taking of the Property, to which the lair market value of the Property immediately before the taking is equal (y16 ter than the amount of the sums secured by this Security instrument Immediately before the taking, unless Borrower and Lender oiherr,.,��ww?;,.a..ree In writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the Iollcwthg`ir c�Ion, (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Propeny ((n • elf "far before the taking. Any balance shall be paid to Borrower, in the event of a partial taking of the Property in which the felt markel"40 I e ;the' ropeny Immediately before the taking is less than the amount of the sums secured Immediately for the taking, unless Borrower and Lim 201herwact agree In writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums seoured by this 9ti`d I Illy loll ument whether or not the sums are then due. Unless Lender and Borrower otherwise agree In writing, any application o1 fa ' eils,i•.o p ncipal shall not extend or postpone the due date of the monthly payments referred to In paragraphs i or change the amount: I such,1l1 lents. 11, Borrower Not Released, Forbearance By LooloorfNyl e✓Pwaiver, Extension of the time lot payment or modification of amortization of the sums secured by this Security Instrument gramgdba,'9nger to any successor in Interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's succesiod9"ln`II7��1�tit. Lander shall not be required to commence proceedings against any successor in Interest or refuse to extend time for paymen�i +,,Q �4iw )ae modify amortization of the sums secured bythis Security Instrument by reason of any demand made by the original Borrower or Fief dt�yg},successors In Interest. Any forbearance by Lender In exorcising any right or remedy shall not be a waiver of or preclude the allotggI ,elf �ly right or remedy. 12 Successors and Assigns Bound; Joint and Several Lklfl)?v h7L ilq era, The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lander and err F-F � blect to the Provisions of paragraph 17. Borrower's covenants and agreements shall be�,ylan,¢s veral. Any Borrower who co-signs this Security Instrument but does not execute the Note; (a) is co -Signing this Security Inslr min only o mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument: (b) Is not erlonall 11gated to pay the sums secured by this Security Instrument' and (c) agrees that Lender and any other Borrower may agree to extend,dify,..torbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent:" .<� 13. Loan Charges. It the loan secured by this Security Instrument is subject tu'at�t�W,,5 h/1 In sets maximum loan charges, and that low is finally Interpreted so that the Interest or other loan charges collected or to be collecteu'In 66Orlf egPon with the loan exceed the permitted limits, than: (a) any such loan charge shall be reduced by the amount necessary to reduce'IheehAI (o a permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower I nd )r ay choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. II a retti its,(cettprincipal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Nollaes, Any notice to Borrower provided lot in this Security Instrument shall be givetyby deity ring It or by mailing it by lirst class mail unless applicable law required use of another method. The notice shall be directed to the Propti A ress or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender wha' =given as provided in this paragraph. 15, Governing Lew; Seversblllty. Federal low and the law of the jurisdiction in which the to is located shall govern this Security Instrument. 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. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16, Borrower's Copy. Borrower shall be given one conformed copy or the Note and o1 this Security Instrument, 17. Transfer of the Property or a Beneficial Interest In Borrower. If all or any part of the Property or any Interest in It Is sold or transferred (or it a beneficial interest in Borrower Is sold or transferred and Borrower Is not a natural person) without lenders prior written consent. Lender may, at its option, require Immediate payment In full of all sums secured by this Security Instrument. However, Londershall 19, Selo of Note; Change of Loan Servicer, The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer") that collects monthly payments duo under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. Il there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will stale the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances, Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or In the Property. Borrower shall not do, nor allow anyone else to do. anything affecting the Property that is in violation of any Environmental Law. 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 Propeny. Borrower shall promptly give Lender written notice lot 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 Iles actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property Is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used In this paragraph 2d "Hazardous Substances' are those substances defined as toxic or hazardous substances by Environmental Law and the following au pa) n!os: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials CoB('dl,f( sbasics or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law' means fatleral laws aRt1 la of jurisdiction where the Property is located that rolale to health, safety or environmental protection. 21. Accelanit ni' 8;tt les. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement id, tpis S`, r'``ty Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). Thenoliceshahs`eti O•hedetauIt: (b) the act ion requ [red tocurethe data aIt(c) a date. not less than 30 days from the date the notice is given to Borrower, by.y+tiic �he default must be cured; and (d) that failure to cure the dofaua on or before the date specified in the notice may result In accelerain of 1ttFe sums secured by This Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall lunh r Inform Borrower of the right to reinstate alter acceleration and the right to assert in the foreclosure proceeding the non-existence of a defduh orA.6 other defense of Borrower to acceleration and foreclosure. II the detaull is not cured on or before the date specified in no116I'Q,:keadif , at its option, may require Immediate payment in full of all sums secured by this Security Instrument without further demand and may 1'reclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses Incurred in pursuing the remedlo provided.in this paragraph 21, including, but not limited to. reasonable attorneys fees and costs of the title evidence. 22. ReNea. Upon payment of all sG sr. U ad by this Security Instrument, Londe( shall release this Security instrument, without charge, to Borrower. Borrower shall pay any fel; `, as �a-b sts. 23. Attorneys' Feet. As used in this Slily I; &trtyment and the Note, 'attorneys' Ices" shall include any attorneys' lees awarded by an appellate court. "�'�"\•<„> 24. Rider s to this Security Instrument. it, 0 r'riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each rig it f, 'ha.1/be Incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(sj'i"elfI ,gaptf'gI this Security Instrument. (Check Applicable Box) El Adjustable Rate Rider ii 0;1 provement Rider ❑ Condominium Rider ❑ Graduated Payment Rider Lt 4,4-ilj�•Rider F �. ; LJ Second Home Rider L� Balloon Rider ❑ B(F(�§kIY P?;1ent Rider L� Planned Unit Development Rider ❑ Other(s) (specify SIGNING BELOW. Borrower accepts and agrees to the terms and covbnapt�sh�Ontii executed by Borrower and recorded with It. Signed sealed and delivered In the presence of: "` '•, Wines Sigmgure:,(UL ,..fir, • _,�.�.[ % ._ Signature: ( �----l-- __-. Witness Pdnl Name;-__ Borrower " ` �" ! Signature:_ - �— �- Borrower Witness Signature:_r_::..._...._.� Witness Print Name:.__-. ',.:-.,-�_ �2.<-<<� ,r\._—.. .. Address: 661 STATE OF_ Florida_ COUNTY OF —Collier. _... in this Security Instrument and in any Wolfs) I hereby certify that on this day, before me, an officer duty authorized In the state aforesaid inrd`in the county aforesaid to take acknowledgements, personallyappeared Offanita Bag motto tome known to be the persons) described in and who executed the foregoing instrument and acknowledged before me that 1-10- 6i THEY executed the same for the purpose therein expressed. WITNESS my hand and official seal in the County and State aforesaid this August 24,2001. My Commission Expires: _- J — Nola Public's Signatuur Notary's Printed Name (SEAL) 2841688 o ii Attn: OR; 28,1 1754 3500.00 HOUSING S UIIAN INPIOVININI RICOADID in the OPPICIAL IICOIDS of COLLIIA COUNTY, It IIC ill 15.00 FORK o 3050 N IOISISIOS DR 1115 01/1412001 at OMAN NIGHT 1, IIOCI, CLIRI DOe-135 12.25 MAILIS It, 34101 SECOND MORTGAGE THIS SECOND MOHTGACE I$9cunly Instrument'! is given en August B, 200t The Second Morlgagor,s Ramiro Garcia a auana, Garcia, husband a -if- (Borrower I This Socunl Instrument is given to . _ .. .., ('Lender'). which is organized and existing Y g under the laws of Ilte United States of Amencn, and encase adwess in ' ' ::• [ t L it. :1:. •.::: i v ::', ': n : �'^ aI I.la .. Bouctwerowes Len(arinesumot Three Thousand five Hundred Dollarsx no/100 (U.S.S 30 500.00 ). Tuis dome; ovica,ced by herrowor's Note dated Iho samo date as this Security Instrument 1'Secend Mortgage'). which provides In, monthly payments, with Ilia full debt of not paid Harbor. due and payable on Sala of Dria OrCY, refinance, or lose of hoes Cud exea,DEion. This Security mseallect secures to Lender' Jai the repave lent of file debt ovinseeced by the Note. with interest and all ranowals. oxlonslms and modrical,ons. tic) the payment of all other sure$, with interest advanced under paragraph 71oprolocl the securityof the Security Instrulo011 act isi Iho pod an narlCe of Be lower's covenants and agreaeenis wider this Security Instrument and Ihe Nola. For this purpose, Borrower does horeby second mortgage, grant and convey to Lender the following doscribedpropody1walo0iq__!:;-,I '._iF';_: Florida More pamcularly mlSsv hHd/as, OT 7, BLOCK C, JOYCE PARK, PUBLIC RECORDS OF COLLIER COUNTY, FLORIDA 01: FOLION 526512600"� and whkl, has the address of (-Pmponv Address' I 1 C , "l: •• TOGETHER WITH all (If g.it ProInte fits flow or haroallu, seeded un the property. and all easements, fightsappurtenances reds. royalties mineral oil and gas ngll sand prahisi water fights nun stock and all fixtures now orferealur span of the property The Secunly Instrument shall also cover all repldcemOntejii addlhons. Allot toe foregoing is rotmroltom this$ocentyinsaUhual the Property' BOfiHOW E if COVE NAN T Sdhynl'fib owof is lawfully soJoil of lhu ushdo huroby conwyatl and has lhu uyh,l to murtyago,gruel and co,rvey it... Pmpeny and that if,. Pretin is unencunmised wxcuyl for mwumbraefus of record Borrower wanan s find will defend generally the title to the Propody agamsi'$II whis and dennands, stiblecl to any encumbrances of record THIS SECURITY INSTRUMENT count! s,01Iterm covenants for national use and nomuMoml covnnullswilh hmeed variation by jurisdiction to conseuto a unilam aocunly uut(if Relic wrung real propuny UNIFORM COV[NANiS Horrower`anU 1Te,or-Ov.elud and agree as follows 1. Paymenlol Prkloffhal and lnfint IlAos tlNRt and Lets Chsfgea. Elonowor shag pmnhpeYuay wHnun dun the pnncryal ul and interest on tha dobl evidenced by Ihe Note. 2. Totes. The Mortgagor will pay all laxes;5ish�shy11� sowle (tells of water Innis prier IO Ihe i LTRIdl tit imy pelliehU$ er IIIIUfeSI Ihoraon p �. Tit,, Mortgagor shall payer cause to be paid, as'In,tr $('yI lryZpeclmely become due. lAi(i l all taros and govemnlenlal charges of any kind whatsoever which they id any little be lawfully asSe, u-d Sal I� it against of with respect to the Property. (2) all utmty and ogmf charges,including'sevlcechafglla',incunedoninposedfo thet) ehlq l!n, maintenance. HSU.occupancy. upkeep and improvement of the Property. and f3) all assessments or offer governmental ehnry (hat 1 y ISM Ily be pail in mslaboloce over a potion at years the Mortgagor shall be obligated under the Mortgage to pay of cause to/if•_afdd kfly such installments as are reduced to be paid during Bre tom) of the Mortgage, and shall, promptly alto, the payment of any of Iriyiiofl`.gQil;l forward to Mortgagee ovldenco of such paVmont 3. Application of Pandanls, Unless applicable law luovfdE`s Other all tenenls recieved by Londe, shall be applied. firstto interest duo; and, to principal due: and real, to any late chalgus due Oil of fh 01Y. N.Charges;Ltens, Borrower shall pay alltaxes, assnssnionis,.',III" 110esend unpes,Uons aUnoulaUle Io the P,oVHrty,witch may allam priority over this Security fedfumonL and Imsehmid ply onistetor I Is, deny Bonower shall promptly furnish to lender all nobcos of amuumds to be paid under Ihts paragraph, and ell lovelpIs uvnlhllFEif�� the yitYnent$, Borrower shall promptly discharge ally Imo which has pnwM over tin ' *'.glflfly I�slnanenl unless Borrower fah agrees In wnun9 to the payment al file obligation secured by Ihe hen In a manner accoVh,btu to Lend' it{b{ CO Hosts fit yuotl Inch Ihe Imo by. or defends epanret enforcernew of file ionic, legal proceedings which of Ilia Londe s opinio,l aVoralA l2i?, eat file eulwcraw"I of the that. or a) Secures own the hoidur of the ben an agreomont salisladory to Lender suburdnudnig the lien to this Security Instrument It Lender determines that any pall of lbo property is subject to alien, which may anion finally Over the Socunly lnstrumBlyy"tan a f may give Bmlower a notice cmnlymg Inchon Borrower shall in fisfy Ihe Ian or lake one, of file ul Iho actions set forth abo ow,IMh51 0 days of the giving of notice. S. Hazard or Property IDauranee. Borrower shall Reny Iho a iprovenwnls do xlsn�' r harealler erected on file Property insured against loss by fire. haza•ds included within the limit exlunded coverage' and any dill are s. including floods or flooding. for which Londar requires Insurance. This insurance shall be mandemod In the affilimis and,I Oleo, eoWs that Lender requires The reumnco comer providing the Inebriated shall be chosen by Hurmwur subject to Londe,'$ �pV al'1) c11 shall not be unreasonably withheld. II Borrower fads to freedom coverage described above, Lunder may, at Londar s Union. pbt lif cov) mge to protect lenders lights in the Pmpenym accordancewnh paragraph 7 At all times that the Nola is outstandug, Ihe Mudgngoz shilN uh tlonmsumncawnhrespect to the Premises against such risks and lot such amounts as are cusWntaniy insured agamsl antl pay, aS the Sh__ become due and payable, all premums in respect thereto. Including. but not limited to. all risk Insurance protecting Ilia Interests of the Mortgagor and Mortgagor, against loss or t emago to the Promises by firehghlmi g, and enter casualtu s customarily insued ayalA t I� ncluding boiler explosion. it appropriate). with a uniform standard extended coverage undursemeihL mcludngdebns removal coverage Sw:hmsuranceeailtimestobe in an amount not loss than Ilia full replacement cost of the Promises uxeluswe of loolmgs and IoulWabons An insurance policies and renewals shalt be acceptable to Lender and shall include a standard mortgage clause Lonoarsishinave the fight to hold Ilia policies and renewals. 11 Londar requires. tleruwor shall promptly give to Lender all nAepis of paid premiums and mtlewalnM¢as Irnlh0 eV0111of Ie$S.BOpOWUISIIIIII,gN,i pneopl tuba!IOIIIU InswanfO CBRIUr and Lendw. LUtldOi rndy makeprUW Vl less If nut newo I:.onlplly oy Borrower. Uniass Lender and Fort ower ofherwaso ag,00 u) write to sets :,juice proceeds sh311 be applied to reslurabon ern repair vt file P h;u-tY damaged it ma msheatnon or repair is economically loawblo aId Lufull, 's Society is flat loosened 11 ilia resonance or repair is not economically feasible or Leaders security would be lessened the msundlCe proceeds shall be applied to the sums secured by the Security Instrument. whethm or not then due, with any excess pod to Borrower II Bottom, abandons the Property, or does not answer within 30 days a notice from Lender that the insurance earner ties offered to seltlo a clmnL then Lender rnaycolloct the insurance proceeds Lender may use rho ploconds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due Tha30- day period will begin when the ounce is mil Unless Lunder a :d Borrower omeriose agree in wm,ng, any appineulen of p "Liars to principal shall not extend or postpone the duo dale of Ihe motility payments rehired to in paragraph I or change the amount of the paynuals it undur parayraph211ha Pmperyns acquired by Lender. Borrower's nghlioany insurance policies and proceeds resulting tram damage to Ihe Proponypreir tothe acquisition shall pass to LorWw to the exint ul the sums Secured by this Securdy neduchold immediately prior to Ilia acgmFimn S. Occupancy, Pfaaervallon, Maintenance and Protection of the Property; Dorrowsfa Loan Application, Laasmrholds. Borrower shall Occupy, establish, and use Ilia Propertyas Hollow is pnnelpal residencewithin sixtydays after Iho ooatelonofthis Siscomy Instrument and shall continuo to occupy the Property as Bonower s principal ,osidowo for at least one year alter the dam of occupancy. unless Lender olhewlse agrees In writing, which consunt shall nut be unreasonably Withheld or unless expeadynhg circumstances exist which are beyond Bmrowoi s control. Borrower shall not destroy, danego or impair the Plolwny, allows Ilia property to deteriorate. o, commit vrasle on rile Property Borrower shall be in default it tiny retrained action or procoadingwhelnmr civil 0, ourecal. is begun that in Londe,', quad final edgmanl could r.suit of lodmlue of the I hoporty a, umew,,O nedesHly m,pm, Iho bun created by this SoCunty OR: 2875 PG: 1755 Yom 0 Ins1nAe.1io,Lellde,l."Meety'^turns, ❑errover niay,,Oo,.,b rl'Omdlandromotalo, aspmvldednl Valagraph to Uycaustng the action of proceed 10 be osrnlssad with a uleig that. a London s ijuod Ilia nhqumen lml. prm:luds tullmture of the Pmuwur s Intere>t a till' PtopVAy OrONar maiOleal lnlpauln110t Ol the llUil CfU6WU Uy tills 5ecunly b151tueem., Londeissucunlof statements L eadw to rldbeer default II Botteena, during ilia loan application process. gave OItULm,i.dse or ,,accurate mlormalion of slatomenis to Lelltler fortilled IV provide Lender with any nmtUnal Ialoneatloni in connection with um ban evidenced by the Nola, dxlludmybut not lable'd to, nlpmsuntdbons concWnnng Borruwars Occupancy Of ale Prupody as a Principal w� .0 nro If this Securly Inslrumant 15 an it VaSOtiuld. Borrow., shall comply With all me P'oWsmn of file leas. If Burrotvet acgems tan tine it, life Propelµ the leasehuhd abd the feu title aflat not merge miles' Lender aglees to the nl-rye, at wobng 7. Protection of LenWrBnnow. 's flights In the Property, It . fanum v s to port.,., e.olen, and syrwnano Contained It, it", Security Inslitanenl. Of there Is a agal proceednhy that may >q)mhi:.nliy affect Lendei s rights in the Propeny (such 'its a pfuceedm) Ill bankruptcy, plamou, for condemnation or furlodum or IO of Ems I v negWauons). than Lmldur niq do and Ply for wWnew.r I>m,C v,sary Io protect the value of ate Property and Londors rights el the Peopony Lender 5 actions may include paying ally seas sucufed by a Item WIUCh has priority over this SOCUfeiY Instrument, appearing in emit paying reasonable attorneys tons and mtlunny un the Pmomly to make repairs Atmough Lender may take action under this paragraph 7. Lender does not have to do so Any amounts msbursed by Lander -lido' this paragraph 7 shall become additional debt of Borrower seculd by Inns SVCuraY Instrument Unless Bonowe, and Lm+da agree lu other firs at payrnere,lla:so amounts shall near Uderest born the date q hnasaemd at the Non,rate and strait flu payable. Wdliinterest upon notice from Loodef In BOtrewm fuquesbeg play(""' 6. Mortgage insurance. if Leader required feur,yagu r'wnuigu as a cenbt,in, .I nekmy the Iuan necun!d by this wl Only Instrument, BOrfeW01 shall pay ire premiums required to hi anion,, pm oedga90 msulanee m effect It, for any reason. I'll' m.Agago Insurance coverage required by Lander InVsos or ceases to on it,olteet BOmuwer shall pay the prunuuuls lequeeti to coven' oUhun sh substantially ay+nvmmtl lolfi mortgage insurance Vrowously al effort it, a cos, subSimlially ugmvalenl to tileco>l to Borrower of file Millman insurance P 04 IVdn effect. from an alternate flneddye Insurer approve by Londe, It substantially Oqunale'd nlodyayo Insurance C.VeO ui. 1a der le.Police.,.1'all pay to Leann, eaell alone, a sum equal 10 one.twellm of the yearly nonage insurance p sufaac Oman Pala UY<1 of;on the Insurance coverage lapsed of Ceased to be in effect L.ndef wet accept. use m'J retamlheva payments as it loss resd a 11pIVi 0 mungage tasurancu Lo» a:>arvV papnenls may no Innym Uu wgmnul, al the WIIen al LJnde,. it mortgage Insurance call, H yeah ,r(nmuni and for trio pmtud m,a L.ndur requires) provided by in insect approved by Lendar ay;un become>avasidloam's obtalna�1 pf wershail pay the prenaun is requl red to maintammodgage lnSUmncele affect uflupruvtdealws reserve. -all the reijulremenl �i rildllrg3 insurance ends illaccufdance wan any wnllon agreement bmwueu Bunuwn anu Lender qr apphcalau lavl / JJ g. Inapeclbn. LundLYur Its agent 'nay make rausnunblo caul.$ IIPon nnJ msWu:hM1S al 11,0 PrupnriV LPndO! shall yIVP BOrfawla notice at the time 01 or prior to all Ins Chat spocaymy Ieasuuable cause for file mspucbun 10. Condemnation, This ptpcifi' � of any aw;od or chain fin damages• direct or Cmiseyumlbal. m connection Wv0 any eondelellat0n a, other taking of any Van oIi!7 peipenY• or lot celaryaneurn ben at eatdermation• are hemhyassiynOd and be potato Lender Ineleavonlolif lolaleknhg of ih(e upeny.{he proceeds shall be applied to the sums secured by this Security instrument. Win, or not oleo duo. wan any excess paid to iI flu -fit`, he OVOM at d Paneai taking of the Propeny. in whim me lair market vamp Of me Propeny Imnmdiabay before the liking is equal t'or gid lei tile. Oho amount.1 the sums securoa by this Security instrumentmmedlaloly I Delete the Befog, -Ness Borrow It and Lander Ql 0h "it. 34,kQ- a writing, the SUMS $cowed by leis Security lnsirurPOM shall oe reduced by the amount of him proceeds multi laid by Iho toil(ixxx�riefg If(Ip1i n no the total amount of the sums secured unm.dhalely before the taking, dtvulad fly (ill file fair neuketynimfof Iho Pm{u;tly in' dl'tSkl�y.,ltdufulholakmq Any balance shall be tend N Bormwor eithoevenlufa ParU6l Ulkugl ul the ProWnYm which lheinmmalkill Vito dlhc {m)irrly nuuluJmbly LnlVutin hikuu{I+lesn w;w lhu;unaunl nlflu: sums securedvnuematelylet Itw lakniy,fellows-Uolrownrdirt Le�rI hrrell} tepmu ngmu or wading Of unless applicable law o1lwtwlsL VmvWos.Iho proceeds $flail be applied to the sales Socurod by this'S0... a dy 111st(umonl whether or not this sums am than duo Unless Lender and Bunuwur uthcrwls'• .nllea in wooliq, any uppiwasin, Of pqp, oil I IyIrICIll shall not extend orle postpone the due doul the mm�tnly Vuym'vlll,haunOU lu mVniilynpfhstur uhnnyp ihu mnupu to\a yf rumds itl al nsnldu>+huu tP 11. Borrower Not Released, For beMonths By Ldnd6� No( W*I , ExBo"onl .1 life Inn- he pavlrl:' amodNalion of him sums secured by fills Security mstfumard r Or IvUtr�y miter to any Successor le interest 01 Bounw r shall not LpelJllI to release tiro bblhly of Ilse original Borrower Or Borme,fa,s 5ucces5l!["1''/Iill. IFltajrj 1 Londer shall not ree required to commence proceedings againsi any successor in Interest or refuse to extend Uralslul Pit Ifnie• cola. I Ohioddy anuhnilallan ul Ihu sums sLcurLvl Uy gas Security instrument by reason of any demand made by the ong, I one, me, "Orin I's successors of interest Any lorbuardncu ley Lendut in uxerClsuly inry ririi ur malady $hall -ol U. n wahvor el w Plncedu flu qA jSB l'8ri, ty light or remedy 12. Suyreactors and Assigns Bound;Jolniand Sensed Lts Of tCo•8,N^"a Thucovmhuns andeymuuwnn of nn>5nwury Instfumebl shell bard and benefit the successors and ass' yns of Lade, and l3ptloi+Vlls blecllothop,ow5ionsolparitgrapni7 Burrowers covenanls end agreements shall bo joint and several. Any of eure,(I lgnd( .r Only nllamslumentbuOpehyu lflat execder utethe lanmof ote.ml is co-sngnmg this Securely instrument only to Mortgage. y'ant and convoy that © !mere,• Security lnsimnlenL lot is not personally obligated to pay me 5unbb cut etl bolt miiis riot' Instrument, and lc)agrees that Leader and any other Burrower rely agree to extend. modify, forbear orake flny if cu finite wlIn,, trio the forms of this SecuroWnstrurncnl or the Nola wiget is Ili ill if.a-wars Camilla 13, Loan Charges. It lim loan secured by Iles Security Inshummd is subluol tu11,111Y/dY�luAh>nls nh.txnnum loan cn.mp`e tool than hap 15 Unaily naeryrelad $.Ilea the udoresl or other loon clrvgas cWecod ar lu bo COlbCC, ItH/li 0ill ``fell Wait the toial.xceed trio POntshOd Ill nits, than laI ally such loan charge shall be IOdUCOd by IIIL al lour It necessary 10 rooms a InQClLtipB tQ the ponmaor land, and On any sons already collected from Borrower which exceeded Permitted linens will be Intended to Bart0we(..,l.en�0 q{a,,y�� choose to make lies refund by reducng llte principal owed under the Note or by mating a direct payment to Borrower. Ina ielUi principal, the leduoeon Will be heated as a partial Prepayment without any prepayment chargu under the Note. 14. Hollow. Any notice to Borrower provided for mqu9 Security lnsllunenl shall be give bya. V mgoorbymadingilbyhrst class more unless applicable law required use of another method Tile nonce shall be dvoclea to the Property ddress of any other address Borrower designates by nohce to Lander. Any notice to Lender shag be given to Borrower of Lender When Ivan as provided in this paragraph 15. Governing Law; Ssverablllly, This Socuoty hislrumonl shall be governed byloderal law and tale law Of the 7Uls001011 Ill which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts With applicable law, such eoallnct shall not afleet Other provisions of Itus Security Instrument or the Note which can be given effect without the conflicting provision To this and the PIOVISIon$ of this Security Inslr. nnit and the Note are declared to be severable 16. Borrower's Copy. Borrower shall be ywon Ono cUl aladd copy of the Note and of this Security loosed 17. Tranalerot the Property ore Beneficial Interest in Borrower. It an or rely' part Of anu PfoPny plY nnUest m MIS sup of oanslerrnd (01 it a benefgiai interest In Borrowof is sold or Irmnsleund and Borrower Is Out a ❑atoral person) wnhout Lender e prior Wmtert consent. Lend6r may, at IS Ophon,legpye immediate payment m fall of all allies seemed by this Sewaty lesn-main However Lender shall not exercise rats option II Iedeml law as of Ole dine of Ills Sectmly htstrument prohibits exercise 11 Leflder exeICISUU this opb011, Lender snag gee Borrower nottco of accoleralnn. The notice shall provide a pafed of hot less than 30 days tram Iho date Om notice is.emvr.d 0e mailed within which Borrower must pay all sums seemed by this Security Inslrumant II Borrower falls to pay these sums pilot to the expiration at this period, Lender may Invoke tiny mnhedius punused by this Secuely Inslrumant without further notice or demand on Borrower 16. Borrower's flight to fleinetste. it Borrow., nmelscenxln conUnions•Borrower 5nau nave to nym fo nave ara.fc.m..mr.l this Security Instrument alsccnllnuad at any time prior to the eareet of !at 5 days for such other period as applicable law may SpeclY for ramstaenlentf before Salo of the PrOpedY Vursuanl to any pule, of sale contained in this Soculy instrument. or !ill entry of a judgment enforcing this Security Instrument. Those conditions are that Burrower tie pays Leede, all sums which then would be duo under this Security Instrument and the Note as A no acceleration had occmfedtbf coos and dolaull of any other covenants or agreemems. (cl pays au expenses incurred In Ool01CI0g this S W UIIty II1Shemuld, including out nut tanned to, heasonabho adoneys fans, alld W) takes such action as Lender may reasonably require to assure trial the bon of ties Seceigy Instemeit. Lenders Bells in the PlOpady and Borrower 5 obe 'aia to pay the sums secured bythis Socunty instrument shall continue uiichaeged, Upon enoslaterama by BOnowor. this Security lnshumenlaed the obligations secumdhombyshall remain ludVolloclNUasd 11O&CelOmtion had accuriod However. this ego to reinstate shall not apply In the case of acceleration under paragraph 17 rota( o *** OR; 2875 PG; 1756 *** TO. Salo of Note; Change of Loan Service,. Tho k_!o •.;,nrolaaenrsimlht Nolollognlhorwnh;ifs SasinNlnsuumm�b maV be sold one fir prom tares without To Of notice to Bonuw if A ate may result fit a change In for enldy (known to, the 'Loan Sdrvlcer'I that collects too unity payrurnts duo undol the Note unit des Sucmily 1, Ise dm9it Tit re also play, an 0110 of Iluar cnauges W one Loan Sorvref unrelated fail saluol lbo Note Il there is a change at tall loan SPlUdPl. HerreWer will be goer Write, force ill the change,, accowame wall parnpnph bl and applicable law Tho nolreu will Stale the ILuuc dad address of the flow Lunn S*Nwo, .ua) the address W which paymunis should be f inW file nonce will also conteet any ofael injoina lion required by applicable law 20. Hazardous Substances. Bodow'or shag rat cmnv or perrnil fill, presence, use. d)spos 1. storage. fir release of any Haxanlous 5uWlan vs on or In tho Property BO(foWar shall not Ju urn allow layers else to do, anNrnry ;Jloclnly the Propedv than is it, violalronolauy Envronniontal Law The preceding Iwo seuWncos,)instant apply to the Presence, list,. or stofage oil fact Propedyoi slnan quantities of Hatarduus Subslencee Thal ale generally rocuynvr-�I I r be ai+p banner to abroad wsullueoll uso, and to nlasllonance at the Property Gmrwver shall Vwwplry yrvu Lander wnllen nohco lac rnY InveslM.dn n Clem Jonrand, lawsuit or that action by any gnntnonnndl yr regulatory agency or pnvalo party involving flit) Proputy and ally tidtapdous Substance or Enyowlmental Law of which Hmrwe, has actual knowledyo If Boaovnn Teams. or Is football by any govenmll:o IX -.r requhnury national. and any rmnoval or other ra n rtabon of any Haz;trUous Substance oflectrlglhe Pa psdYis necessary. Bwruwr.n Into pmnipnylake all necessary a n edial actions in deconhuiCe won Enannin ental Law As assent Pas paragraph 20.'Hadardous SUredJaCOS' an, Ihrne eebs(arcus doNted as IexIC or hatarduus sLbslaroes by EIt\'I'Venler It'll Law and lour knowing substances gasolnlo.kerosmre.Oil 'III Lumn.f•'a:rlorm petroleum products. toxic peseedes and hedoCaes. Volatile solvents ma repals o Tdamat? asbeslus ear IOrlealde ode and ,adloachvtnalenul, Aseso In this Pelagian I'-Ernorerairbil L.hs unions federal laws and laws ill law lunSWcron whsn'lue PngrrN is located Ihui folate,ld of at 4 lety or envlfonmanlal protocrun 2/. Aeesklfflb r I�}Y Ns. Lender Shall one ... to Intro mr prior to accefemtmn WouWalq ❑onower s We,ldi ill .illy covenant or agrtenunlf m I ts`Secunly Insinuated (bill not parr ri acceleration under paragraph 17 unless applicable tow providos otherwise) Thunobcoshau{(�(l{Fiir a)the default. lb) the action naquudd to cult the default.(c)a data not less Nan 90 day.; form the date the notice IS given to BUrmN'9!•. _by W1 C, lie dolalllt must be cut ad. and ad fuel I noun to cure the defaul t on of peal Ore Ill a date speoloolr) (Ile nohce navy msnit or acclilet�U t uL Ill sums seafood by pas Sec ...ty Instrument, loreclosura by IUJInavI proCanda g and sate of all Property The nuliCe shall fudhet In Vo lnWI0W01 0l the right to trn istate after acceleration and Ills right to assert it, the Nrc4losule procuudinglheuuuinfian nnli tfdull' , any ulburdffunw ill l iunowel to acceleration and loodkelln' It pal deleuq is nut colon on Or before fire data specdled r) file nulicu, Lender at Its option may re4ene InmwJrato payment ill IWI of an sums st'CwaJ by ills Security I radiational vnlhuul lunar donual andinayloro loan thl,SuOinly b ntunima by judicial broccoli, Ul t endel steal l be edified to coli,00On rxPsnsesa,unudlepuesany Iho,eniUJops ffeda tills paragraph 21. nicluddlg, but not lined In, reabonaoleallumeysides railguts of the title valence 22. Release. Upon Fail of �I ules.forcuralby If, SS+curdy Ireanuntnl, Le offer shall release Ills Security lnsUmnout, wlthoul Cargo. to HunOwer Bunewer shall pay any ruco){ia'al costs 2a. saturays'F'eee. As usrtJmlhufi110 "rs\nnvll,uulen!Naan,'allunmys hnn'shalhnraudeany Ott orm+ys h•asawunl."1 by an appulbtu cowl a 24. Rkte s to this Satiurlly lnstrurnent:; fdlarf it re nears are theculoeby Borrower and rocdided ldgmhenydh Nis Security Iastrmnunl, llla cuvfharls and ngermuenls of each so, j }lrelfill re lfcurpufidcYlmbnrd5nie) dnrrntanJ wpplmnent air Cavenrinl5dn.l agnnineres of Iris SUcunly loshwr ail as II Ilia too 4) 'w/ i V 1 of Ibis Socuoly instrument IChrick Ajoh,able Baal 1J Adjuslablu Rate Nodal iF�'ra't1pfl tv 1. r� ❑ ear r tb and Rltlw r—/ OonJmnonmm thder (� 71 L 1- Graduatnd Payniunl Hitler I —I 1-4 1 Balloon NIUer u Ifn` r—I 1J Other(,) (Specify SIGNING BELOW. narrower accepts and agrees to Ilse tools and executed by Hurruwor and recorded with it Signedsealed and deUvared or the prosencu of Witness Slgnalwo Wdnoss Ford Nana witness Signature . . Witness Paid Nance ..r _. STATE OF Flnn<L, COUNTY OF Coffee l.J Seward Hume IlUer LI Planned Unit UevnWpmmR )Ilur II it". Sucumy lasUwnenl are In .my adwnsi NuuaWud,,R(uli,k Garcia Solution. oil . / Honower Juana Gargia Address `I ',\\. um. Y f J!',1: .. , r r.... I hereby curdy that on this day before tile, an uNcur July auflwn7ed Ill the stale aforesaid and in tife County aWrosaod to take acknoeludgrmaufspwsonallyapputrodilslairo i Juana Garcia to few known to Do tht prrsofiis+Saes:ubaUm and who executed the foregoing rest rue intit and acknowledged before file halt HE SHE 1 HEY executed the sano for the puipose overall expressed WITNESS fly Irnd and official seal ❑t lull Cleveland ';late afowsdnl has August B. 2001 My Coranlssmn F pare or Nulary Public s Sigrai uw L.G I..:. — Nutarys Pulled Nano (SEALI IiASJr r°Fr, LAI III \ 1111 \ill' N et I....Sm..r...'... rsn�•ro-i. INSTR 5578726 OR 5527 PG 411 RECORDED 6/28/2018 3:59 PM PAGES 2 CLERK OF THE CIRCUIT COURT AND COMPTROLLER, COLLIER COUNTY FLORIDA REC $18.50 Em+ly R- Prepared by: Wendy Klopf Collier County Community & Human Services Division 3339 E, Tamiami Trail, Building H, 4211 Naples, FL 34112 THIS SPACE FOR RECORDING ,a RELEASE OF LIEN KNOW ALL ME 4HESE PRESENTS: That Collier County, whose post office address is 3299 E. Tamiami Tel, Naples, Flm-ida 34112, the owner(s) and holder(s) of a certain Impact Fee Waiver Agreements'loiouted by Immokalee Habitat for Humanity, Inc. to Collier County, having met the 15 year affordability housing obligation associated with the $11,788.56 of SHIP Impact Fee Waivers, 'of' hich is hereby acknowledged does remise, release, quitclaim, exonerate and discharge frail) d lien and operation of the said agreement, that certain portion of the premises conveyed by said4ien, more particularly described as follows: The undersigned is authorized to and di named properties, and consents to these said properties. This Release of Lien was approved b, QLt,o-e— &Cra 2018, Agenda Item r+ R'YS'pA�JC, IN EL, t 7 RK- pp to and legality: Assistant County ttomey Exhibit A release these Liens with respect to the above- g forever discharged of record with respect to BOARD OF COL of County Commissioners on *** OR 5527 PG 412 *** EXHIBIT A Two lots as listed below for, Joyce Park according to the plat thereof recorded in Plat Book 2, Page 101 and 1 lot in Seminole, Plat Book I, page 31, of the Public Records of Collier County, Florida. BCC - 15-year Impact Impact Fee Resolution # approv I ,CO date affordability Legal Description* Fee Amount dali end date (OR/Page) 94-344 6/7/1994'':..5lf7;1295 5/17/2010 Lot7, Block C,Joyce Park 1956/1021 $3,929.52 94-393 6/7/1994 5LV13999 5/17/2010 Lot 8 'Block C,Joyce 1956/1014 $3,929.52 Park 94-386 6/7/1994 1/24/199151 � 1/24/2006 Lot 12, Block A, 1956l0972 $3,929.52 Seminole Total $11,788.56 0 Raja; 2932115 OR; 2980 PG; 3331 SOUSING i UNAN INPROVININT RICOADID In the OffIC1AL RICOROS of COLLIER COUNTI, IL INTIR OIIICI 02/13/2002 at 05:09AR DRIGHT 1, Rom CLINI GOLD 15000.00 A1111: WIND( 140PI DILI 15000,00 ewr ° RIC ill 15,00 DOC•35 52.SO OXCOND NORTOAO6 THIS SECOND MORTGAGE ('Seoudly InsWrmnly Is given on February 11, 2002. The Second Molgegor Is: Andres Cordaro ('Borrower). This Wvdty instrument l$ given to Collier County ('Lender'), which is organized and exIsling under the lave of the United Steles of America, and whose address 153050 North Horseshoe Drive 0275 Naples, Florida 34104. Sorroworowee Leaderthesumol Fifteen Thrmo"d Pollens (U.S.i 15,QVu-OO).Thl8,dWiS evidenced by Borrower's Note dated the Same date as this Security insuumnl ('Second Mortgamon ge`). which provides for thtypayrmnt% wthdie full deal. ll ml pad earlier. due and payable on sale of Property, rot notice, or lose Of homestead eeraeotAnd. This Security Inslannenl secures to Lender: (a) the repaymenl of the debt evidenced by the Note, with Interval, and all rerieWels, omms me end nodillcoakm; (b) the payment of all odor sums, with Int«esladvanced under paragropn 7 to Incteathe s«udryof the Sotartly imWment am(0) the porlorm me of Borrowers covenants and agreemants under this Security Instrument end the Note. For this purpose, Borrower does hereby second montage, grant and convey to Lender the following described Properly located in Coll i er County. Florida. Morepnnkulady"ti "Lot 14, La Villita estate., according to the Plat in Plat Book 9, Page $1, Publ'iO. oortrd# of Collier County, Florida, ►olioN54550540004 and which has the address of ('Prop" Address'): �;•'�� 14 Madison Ave. water right$ and Stock and all fixtures now Or hereener a Dan 01 IM PrOPen d additions. All of the foregoing is referred to In this Sacurlty instrument an ower is lawfully seized of the estate hereby, conveyed and has the right to i eDmmumbered,emoptforencumhrancesofroc«d. Bonowerwanant$ "e and demands, subject to any encumbrances of record. �� UNIFORM COVENANTS. Borrowei annd Aiepn�dayAr�coeee ,p6tennl end apretollom. 1. Payrnerst of Principal and InlarestiKipiryA�apt and Leta Charges. Borrower shall promptly pay when due the principal of end interest on the debt evidenced by the Note 2, Texes, The Mortgagor will PAY All lax0 ;'", a$lnhi/iIs. sewer rents or water rotes prior o the acomiof mypenalties «Interest j The Montagor Mall pay«cause to be paw, ak' some?g@speclivety bec«mdue. (A)(1) all taxes and governmental charges of arty kind Whaiscaver Wikh may al any tlma be IaWWIy s ql@Wed against or with respect to the Property, (2) all utility and Direr ch+rW+, osdudkg'oarvkm Merges', Incurred «irrywaetlopfi�aWn, melnlenence. use, occupancy, upkeep end knprovameaa ba properly, Arid (3) all eeseesrrmnts «o1Mr govemmenol chilly' 9�Ri4(}}nneeY t$wlully do paid In Installment$ over a perbtl al yeere, the Morlp.por eheRwoblgeledu«erlM Morlpepe to pay«uaee1d-fie 6a(d ly nonlneleNmenuesere regdsradobepaid durkgareterm d tlm fAatpepa, and Mee, promptly seer the payment a any of th4lon:Udl''g+q toward to Maga{pe evkbnCe of wM payment. L ApplWtlonof paym.nm. Untese aDDlkebb Niue Provkiyao��raVge all peymerNs received by Lentler shell be applied: Ynlb Interest titre; and, b principal titre; end ktsl, to arty tale Cnargee dueLpder Noe. 4. Charges; Lena, BOnewar shall pay all taxes, eeseesmenl@; fnergery Ilse and Inyhoelllaie andbut$lwe to ihre Prapehy, when ,n.veaaln,vwthvnor nie SecurlNlneWmeni. and isesehold paysmnls O�Wd�llfd,rept$,Nany. BarowershallpromptlylurMeh to Lender conlest$ In a the Nan in, ogN Proceedings which In the I the Nan an a0reemant ufialulory to Lender 6 4n, ilorrOv shall eatery the Iron of take one or me of the actions esl forth abovs* g, Huard orProperly Insurance. Borrower shell keep the ImprovemenB row Insured against Iona by fire, hazards boluded Wihh the term'eslended coverage' and any, which Lender won Insurance. This Insurance shelf be malntalned in the amounis ai Ins«aaW cooler provkWV Ins Insurance shall be chosen by Borrower subject to Lender W N*W. N Borrower false to malmin coverage described above, Lender nay, el Lenders o in bm Pmpertyln aoeordance wM peragraph 7. At all tknea that line Note Is outstanding, Who to the ProrrNAes against such risks snd for such enbunt$ as are Cu$tO= IY Insured against ail prerrhkalrm b rasDecl thereto, IncludNg, but not IkNtetl to , all•dsk Inaureme DrolecWg agekist ION «damage to the Premfese by Ilre, ISphbing, end mired casuattles cuetomuty In iniorn)t not wise lthen the I ereWaCemeIt, l co oge lexclue o loot4ge AM kin Wa11Ce palotse ads renewew Shell da acceptable o LendareM slag kicksda tlm rlgM b hob tlm pekoe and Iell►Meb. If tender rare, B«rovan Shall PrornPty rermWUJ notloH. In the event of bee. Borrower shell glue Prompt mike to the Insurance car N not nude promptly by Borrower, Unless Lender and Borrower otherwise agree In wrli ng, Insurance proceeds Null dsnhogsd, N the restoration or raper to ep«rendealhy IeesIom and Lender's secudy is or aoanoMCNly feasible or Lenders wudtywould be Mooned, the insurance proceeds Mae InsMenont whebmr or not then due, with any excess paid to Borrower. 11 Borrower sMad days a notice from Lender that Iho Insurance carrier has offered to ashie a claim, than Lend may uee the procsMs to repair letters the Property «to pay sum Avowed by this SB°« day podod will begin when Ow notice is mailed. Unless Lender and Borrower otherwise a prbdpla 00 not estend or postpone the due dale of the monthly paym nis Warned to a notice oenl of notice. Led on the Ion ods«Noodlr idar requires. ads loundelbns, e alaridard rrhongnpocleuse. Lendershea nave gee to Carver all recapt$ of paid premlume and nor and Lentler. Lancer maymake Proaakss esioretion «raper of the Property If the restoration or repair Is not the sums secured by the Swishy hny. or does net answer within 30 theosurame proceeds. Lender I,whWer«notthendue. Tm3P g, any application of proceeds to i I or change the amount of gal damp 10 the Prop" Pmr to the ecqubbon shall Peas to Lender to the a"w1ol am eumeeecureeayma oecumy enatanernnnwnenehy prior to de acquisition. & OOSuparmyh preaorwtl«h fesatlertema end Projection of the Property; eorrowlWo Loan Application, Los"hDida. Sorrowerohali occupy, selaonsh, and use the Properly tie Borrower's principal reeideme within aWy days offer the execution of this Socuriry Inouunmet and Moll continue to MWY the Properly AS Benow'Br'e p11m1pe reekknco for At level ono year Sher the data Of octupamy, uldess Lander o0ww1 a agrou In wrbkg, which consent mall not be unreen«mbty witldmld, an unless extenuating clrcunatarim exit which ore beyond Borrowers control. Borrower shall not destroy, damage or Impair the Property, UIW" Um Property to detarlorete, or conwollwasteonrim Property. Borrowershall be In default if anylodellure action«procoaing, vdia9mr stall«crininal, Is begun that In 1 , ed.w OR; 2980 PG; 3332 Lender's good faith Judgment could result In lodolhra of the Property or otherwise malmally Impair the lien created by this Security inelmmenl or Londefe securityInterol. Borrower may cuts such a default and minslalo, as provided In paragraph 18. by causing the action or proceeding to be dismissed with a ruling that, In Lenders good faith dateAdnailon, precludes lodellure at the Burrowers interest In Me Property or other material Impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shalt also be in delaun 11 Borrower, during the loan application process, gave materially Islas or Inaccurate Inlotmaucn or statements to Lender (or lalled to provide Lender with any materiel Inlormallon) In connection with the loan evidenced by the Note. Including, lout not limited to. ropswenlaWM concernlnp Borrowers occupancy of the Properly as a pdwipel residence. II this Security Instrument is on leasehold, Sorrowershall carpN with ell the DrOvlelon of the Iwsa. II Borrower acquires fee lino to the Property, the leasehold and the fee title shall not merge unless Lander agrees to the melpor In uniting. 7. Prolwlbn ol4entler's Rlghe In Me Property. Il Bortower f allsctLend nrs the is In the Prop agreements a pfc tied in this Security InsWmenl, or there Is a legal proeeoding that may sill am or affect Lender's rights In Ins Property (such as a proceeding in bankruptcy, probele.loroondamnallon orlodollure or lO enloroolawsmregular'sloan Lender my do and paylorm saintIs ed to Drolect Iha value of the Property end Lenders rights m the Property. LOMers itu,aactions rosy Include paying any sums secured by a Ilan, which has priority over this Security IMtmnam, appoednp in court, payingder roes not have a to do s' lees and emoting on the by Lander a nderrty to make repelre. AIMWph Lender mayteke action under this paragraph 7, bythIsdoeanolhavebdo so. Any amounts andLseder gr aerunder Ihie paragraph 7 snail become additional dehl of Borrower secured by Ihfs Securitya the Note Unless Borower anti Lender agree to open tonne of paymen6 those einounls shell bear interest Iron Iha dale of disbursement at the Note rate and shall be payable, with Interest, upon notice from Lender to Borrower requoeIf paymsnl. S. Mortgage Insurance. II Lender required mortgage insurance as a condillOn of making the loan secured by this Smunty Instrument. Borrower shall pay the premiums required to maintain the mortgage Insurance In oNad, it. for any reason, the man" Insurance coverage requ,f)jed by Lender lapses or ceases to be In Sheol, Borrower shall pay the premiums required to obtain coverage subslanUelly equlvel 1/p.ih`o mortgage Insurance Previously In ahecL al a cost substantially equivalent to the cost to Borower of the mortgage Insures to ly in ehecl, from an alternate mortgage Insurer approved by Lender. If substantially equivalent mortgage Irmurence coverage ill haYella,to, Borrower shall pay to lender each month a sum equal to one-twelhh of (he y'earlymorlgage insurance premium being paid bV9s�ov}er n the Insurance coverage lapsed or ceased to be in effect. Lender will accept use and retain thew payments air a lose res6Ne In by ql mortgage Inwrame. Loss reserve payments may no longer be required, at the option W Lender, it mortgage Insurance covaage-(In M , mount and for the period that Lender requires) provided by an Insurer approved by Lender again becomes available and Is obtaindtl.>B: owor shall pay Ins premiums required to malmaln mortgage Insurance in egecl, or to provide asom reSerVe. until the requiremenhly nM gage Insurance ends In accordance Win any written agreement between Borrower and Lender of applicable law. g. Inspection, Lunde(ort16 age o may make reasonable entries upon and inspections of the Property. Lender shall thin Borrower notice at the Ilme al or phot.lo,b ' nspecllon specifying reasonable cause for the Inspection. 10, Condemnation, The pr Seas of any award or claim for damages, direct or consequential. at connection with any condemnation or other takingolanype`rt Ithe Property, or for conveyance In lieu of condemnation, are hereby assigned and shall be pail to Lender, intheenniofatolaltakingollhe F/o➢yb6my,� a procoods shall be applied to the sums secured by this Socudty Instrument. whether Or not then due, with any excess paid to 8arower. A the event of a partial taking of the Property, In which the fair Markel value of the Property immediatelybeloro the tiring is equgtl p�tjreelar than the amount of the sumo Secured by this Security lnsWm6nt Immediately before the lsking, unless Borrower and Lendaii-06 Akio In willing, the sums secured by this Security Instrument shah be reduced by the amwnl of Me proceeds multiplied by the 1611p�w°ng ra6Ilan: (a) the total amount of the turns Secured Immediately before the taking, divided by (b) the fall Markel Value of the ProParN,(ij� IIaglsly beore the taking. Any balance shall be paid to Borrower. In the event of a partial taking of Me Property In which the fair market va�BU�hqProperty lmmeGatoly before the taking is lass than the amounlat the Sums secured immedalelylor the taking, union Borrower r nde'Aherwlse agree In writing or union applicable taw otherwise provides, ins Harrower shall ne Irwfu our" in wriittinp any application of oe4�zi;principaremont l shell not extend or postponer or not " SUM are e en due. the due dateess of the�monther y Extension of the time for payment or modification of v Successor In Interest of BOitower Shag not operate to release the liabilityof the original Borrower ar, Borrowers succes rs'tMnl21 r an. Lenetlr elan netW iryVnaVwwuun, my y.x•.va.....y+ against any succaoor In interest or refuse to ezleed time la payment orb(h; rel@e modify amagxation at the sums second by this Secumy InsWmenl by reason of any demand made by the original Bomowey;V,.*AoWd S succosaora In Interest. Any forbearance by Lender In exercising any right or romady shall rat be a waiver at or preclude In; 6 0cla@'oany right or remedy, 12. SUOD ors end ASSlgns Bound; Join) and eevwal ll bl11111tyy7 s. The covonanlvandagmemonlsotpis Security Instrument shall bind and benefit the wxeeSors and assign!of Lender sodi3i�}r oilier; W>led to the Provisions d paragraph 17. Borrowers conMnte and agreements shall be pit and Several. Any Borrower who colsZo thlIq- ly Instrument but does Act execute the Note; (a) le co•elgnhg this Security Instrument only to modgage, giant and convey Inatz wars Interest in the Property under the terms of this Security lMtrumenl;(b) Is not parwnallyobllgaled to pay the sumo scoured by this Soquntyl immenI and to) agrees that Lender and any other Borrower may agree to extend, modify. forbear at make any accommodations with blhaleme of this Security lnalrunentor 0e Note without that Borrowers cement. ` l 13. Load Clerges. If the loan Secured bythls SecurityInsWmenl Is subject W daviwkhs"OWIS maximum ban chatgos, aridthat law b finally interpreted so that the Interest or other ban charges collected Or to be coNecletl�jpwippelowexceed Ure permitted limits, then: (a) any such ban charge shall be reduced by Me amount necessary to reduceNb,cMe permitted lima; aid(b) any sum already oollecled tram Borrower which exceeded permldetl lihalewill Oe refunded to Burro e y choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. II a afun ka principal. Ma reduction will be treated ire a peNel prepayment without any prepayment charge under the Note, 14, Notic". Any mike to Bonower provided (or In this Swunty inslmmenl shalt be given byif¢ wring it or by mailing It by first class mail mien applicable law required use of another method. The notice shall be dlrwied to the P,toper(y, Yjdressoranyotheraddress Isdrower designates by notice 10 Lender. Any notice to Lender shall be glvon to Borrower or LaOtl r when given as provided in this paragraph 1 ta, Governing In Lew; event that any provision Federal law and the hew of the y Instrument In which the Property le located Shall govern this such SeWdty InsWmenl• in the event Mat any proWabn or clause of this Security Instrument a the Nola conflicts with applicable law, each conflict shag not affect other provisions of this Security Instrument or the Note which can be given effect without the Conflicting provision. To this end the povis om of this Security Ineimmenl and the Note are declared to be severable. Ia. Bc"awees Copy. Borrower shall be given one conformal Copy of the Note and of this Swunty, Instrument. 17. TranNaot the Propertyor■ Sen*lkimtintMNt In Borrower. Il ell oranypartol the Propertyoranyhtereslin ltis Sold or transferred (or It a beneficial Interest In Borrower Is add on transferred and Borrower Is not a natural person) without Lender's prior writh n content, Lender may. at Its option, require Immolate Payment In full of all surer Secured bylhte Security Instrument. Howover.leMerehall not exS a ee this op8on If laderal low as of the date of this Becudty IMhrumenl prohibits exercise. 11 Lender exerclsad this option, Lender shall gin Borrower miles of acceleration. The notice shall provide a period of not too than 30 days ]TOM the dale the notice Is delivered or Milled within which Borrower must pay all sumo secured by this Security Instrument. If Bon owes fails to pay these Sums prior to the, expiration of this period, Lender may Invoke any remedba penmined by this Swunty Instrument M iWl further notice ot demand on Borrower. 10. eonowar'e Right o ReMte4te. It Borrower meals certain condilbM, Borrower Shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such Other period se appONWO law may speclty for relmugemwl) before wla of the Property pursuant to any power of nab Contained In this Security Instrument; or (b) entry of a judgment enforcing this Security lM W ment. Those Conditions are that Borrower: (a) pays Larder all sums which than would be due under this Security IMWmwI and the Note as If no aoceleralkxn had occurred; (b) cures and default of any other covenants or agreements: (c) pays all expenses Incurred In enforcing this Security Instrument, Including, but not limited to, tossoMbb affomeys foes; and (d) lakes such action as Lender may reasonably require to Mare that the lien of this Security IMlrumenl, Lenders rights In the Property and Borrowers obligation to payee ems Secured by this Security lnstrumenl shall continue unchanged. Upon retMtatmA nl by Borrower, this Socumy lnsarmum and the cbggalloM Secured hereby shall remain fully effectivir as It no ecoeloullon had occurred. Howavol. this Tight to reinstate shag not apply In the caw of acceleration under paragraph 17. « iad.wp *** OR: 2980 PG: 3333 *** row o ig. Sale of Nopfi Change of Loan Servker. The Note Ora partial Interest In Vie Note (logethorwnh this Security Instn Mm) may be sold one Of=10 limes wiNoulpdor notice to Borrower. A sale may result in a change In the sniffy time n as the'Loan Sorvker') that collects monthly paynnnts due under the Nate and this Security Instrurnam. Theo also may be one or more changes of the Loan Somker unrelated to a eats of the Note. It there Is a change of the Loan Servker, Bouowee will be given written notice of the change In aaordance with paragraph 14 and applicable law. The notice will stale the name and address of the new Loan Servker and the address to which paymonle should be made. The relics will also comaln any other Information required by applicable law. 20. Hazardous SubslanON. Borrower Shall not cause or permit the presence, use, disposal. storage, or release of any Hazardous Substances onorin the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is In vkialkn of any Enwonmenlal Low. The preceding two senlemes shall not apply to the presence, use, or storage on the Property of small Propelhs of ily. BorrowerHazardous all Promptly givehat are Lendervaltienllnolke by anyInvto estigation,riate to claim. noclemand, lamuit aarnal reside ioNw and actionoby any governmentalmoname or l or regulatory agency or private parry Involving the Property and any Hazardous Substance or Environmental Law of which Borrower has acluat knowledge. II Borcower learns, or Is notified by any govorrlmmtat or raguieloryauthorlty, Ihalany removal of other remodaaon of any HazEnWeonmesnlallLLaw. Aslance a used In this paragraph 20 the PropoVs .'Hazardous Substanceessary, Borrower shall promptly rarre peso subslancesdoh remedial nod as toxicor hazardous substances by Envlronmonlel Law and the following substances: gasoline,kerosene, other flammable or toxic petroleum products, toxic Pali and vO "Environmentala11le Lave Solvents,materials faddist scontaining lam and amOf asbestos Jurisdictionnwwhere and Propertty is Iota aiS. As used in d that relate tohis health. se paragraph or environmental protection. 21. Aceelsglkn; Rsmedlss. Lender shalt give notice to Bwrower prior to acceleration following Borrowers breach of any covenant or agreameht j this Security Instrument (but not prior to acceluretlon under paragraph tT unless applicable law provides del it ( )adata not less then 90days lromthedate oiharwiee). The Ot s all peclly: (a)the delaull;(b) the action requred to Cure the au . c the notice la glv n Boo Ewhic by h the de fault must be Mad; and (dl that failure to cure the default on or before the sale specified in the Milos may rccslor�lbn of the sums secured by this Security InsImmeni, forecosuro by judicial proceeding and Salo of the Tu Property. The notice sfig,"6��, h Inlorm Bofro of the right to reinstate alter accetelation antl the right to aced In the fwecosuo preceding the nomexlSlenco of a-pe(oull or any other defense of Borrower to acceleration and foreclosure. II the delaull Is not cured War before gee dale specHled In.1 'no LerMer, at Its option, may require immediate paymenl in full of all sums secured by this Security Instrument without lunhar dame6 gq)nay to( ecloso this Smudhy Instrument by Judicial proceeding. Lender shalt be entitled to collect all expena9e Incurced In pure In frnetllea provldetl In this paragraph 21. Including, but not limited to, reasonebte attorneys lees and costs of the IIN evidence. 22. Rel" Upon peymentrifal) ums secured by this Security Instrument. Lender "it relsase Nis Secunty lnsuumant. without charge, to Borrower. Borrower shidipejrri recordalloncosts. 23. AHomeys'FNa. A6 used Ihls Securiy lnsbumentend the Note, 'aderneys'fees' shall include enyabornsys'leesawmded by an appellate coon. `• .->`�- 24.RidsrslolhbSeourttylrlsbg O�one of moo riders are executed by Borovrer and recorded together with refs Secuny Instrument, the covenants an tl egreemanla'oie cl{ppph floor shall be Incorporated into and alkali amend and suppornenl the covenants and sgrNments of this Security Instrument ore ILlti d$ris),mro a can of this Securiy inslmmenl. (Check Applicable Box) Adpi table Rate Rider °Rorie Improvement Rider El Condominium Rider Graduated Payment Rider rQr�� j sTo ily Rider � Second Homo Row ❑ Ritler J (31e P Ynenl Rider El Planned Unit Developmanl Rider O Other(s) (Specify SIGNING BELOW, Borrower SCCSPIS and agrees to the terms pf executed by Borrower and recorded with It f Signed, "Start and delivered In the presence 01: 'f WhneNslpnature: --- Witne is Print Name:.— WlmaN— Witness Print Narno:_. Z (211 r-e,I contained In this Security Instrument and In any rider(@).. STATE OF—Florlda_ , COUNTY OF—C011lar_. I hereby cerl ly that on this day, before me, an officer duly authorized In the ataYejaJoi`s a 11 no in the county aforesaid to take a0knew4edgemanle, poreonally appeared Andrea Cordaro to me known to be the potsonje), p'�'bad In and who executed the foregoing Insuumenl and xknovledged beliefs me, that HEy SHE/THEY executed the as for thp',p edherri n expressed. WITNESS my hand and off Mal Nai In the Cou and State aforesaid this �bruary 11, 2002 L- My Commission Expuos:—---��' ----- Notary Public's Signature 1 Notary& Printed Name (SEAL) sares�. LAUREN 1 I41.ARU Ml'IbA\?Illicit\xtl 1'm yJy Ixaxtr le^I:W.' aIV LW�INI11Ax1' IL bm�Mn,a,p 0,..11'.,I. ..,.,ed.w Haiti: 3014822 OR; 3073 PG; 0555 GBLD 1s00o.G0 row o HOUSING IiUURBAN INPROVININT RECORDED in the OFFICIAL RECORDS of COLLIER COOSTT, E.OBLI 15000.00 Iff 1111 SKLOPI 07/16/2002 at 07;58AX DNIGHT 1. BROCK, CLERK RIC EBB I5,00 DOC•JS S2.So SECOND MORTGAGE THIS SECOND MORTGAGE ('Security Instrument') Is given on Juno 14, 2002. The Second Mortgagor Is: Alsoul Charalw a Clarnencia Nonpa►, husband i wife ('Bonowor'). This Socudty Instrument is given to Collier County ('Lender'), which is organized and existing under the laws of the United Slates of America, and whose address is 3050 North Horseshoe Drive a145, Naples, Florida 34104. Borrower owes Lander the sum of Fifteen Thousead dollara(U.93 15, 000. 00). This. debt is evidenced by Borrowers Note dated the same dale as this Security Instrument ('Second Mortgage'). which provides for monthlypaymants, with the full debt, Il not paid earlier, due and payable on sale of property, "finance, or loss of homestead exemption. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modlllcelions; (b) the payment of all other sums, withintemst advanced under paragraph 7 to proteclthe securilyoi the Security Instrument; and (c) the performance of Borrowers covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described propertylocated in Col Tier Count , Florida. More particularly doscflb County Florida;, and which has ('Property Address'): _ TOGETHER WITH royalties, mloeral, oil and gas Instrument shell also cover a and convey the Property and that the Propoo Is generally the bile to the Property against all claim THIS SECURITY INSTRUMENT cor i Jurisdiction to constitute a uniform secubty InstNr UNIFORM COVENANTS, Sorrowaran 1. Payment of Principal and Interest; and Interest on the debt evidenced by the Note. 2. Texas. The Mortgagor will pay all tat thereon. The Mortomor shall Bev or cause to be I kind of the be Unless Habitat Subdivisioar Public Aecords, Collier St. murtererected onthe property, and alleasements, rights, appurtenances, rents, and stock and all fixtures newer hereafter apart of the property. The Security All of the foregoing Is referred to In this Security Instrument as the'Propedy. ally seized of the estate hereby conveyed and has the right to mortgage, grant Bred, except fa encumbrances of record. Borrower warrants and will defend (ends, sublect to any encumbrances of record. in covenants for national use and non+ nllonn covenants with limited variation by Ing real property, p, nanl and agree as lollows: 10 thOd Lete Charges. Borrower shell promptly pay when due the principal of Aterruespriorio Oroa olofanypenaleesorinlemst Dme due, (A)(1) all taxes and governmental charges of or with respect to the Property, (2) all usury and other moo4m by Interest due: and, to principal due; and last, to any late charges due undeigh or, kj 4. Charges; Llans. Borrower shall payali taxee. assessments, ch r $; ines@nd impositions altnbulable to the Property, Mch may ofialn plodyovorthts Security Instrument. and lease hdd paymenle ergr in ' s;1)1any. Borrower shall promptylumish to Lender all notices of amounts to be paid under his paragraph, and all receipts evidencing the p¢yrtreno. Borrower shell promptly discharge any lien which has priotityover this Sdcuritylnstrument unless Bonowec(a)agrees invail glo the payment of the obligation secured by the lien Ina manner acceptable to Lender,,(b)conlests'i goodfaiththelienby, or detends against enforcement of the Ilan In, legal proceedings which In the Lenders opinion operate to ttorcernetl oliha lien; ar(c)securesirom the holder of the lien an agreement satisfactory to lender subordinating the Ilan to this S. qltyy t'.Moment. It Lender determines that any part of the Properiylssublect to a non, which may aham priority over the Secudrylnakumeet;t%ii Rrttiygive Borrower a miles identityrig the Ilan. Borrower shall utidy be lien or take Poster more of the actions set forth above wit�l 10 dgys of the giving of notice, S. Ruud or Property Insurarmi Borrower &hall keep the Improvements now ey n9p1.n3reafter erected on the Property Insured against loss by lire, hazards Included within rho tonn'extended coverage' and any One It3l0:inqcluding goods or flooding, for which Lender requlree Insurance. This insurance shall be malntalned In be amounts antl lornt6'pafiops•that Lender requires. The td of years, the in the Property In accordance with paragraph 7. Atell notes that the Note Is outstanding, the Modatagersheabialntstrr insurancewith respect to the Promisee agagubsuch risks and lot such Amounts as are customedyinsured agalrtstandpay, mayor some, becontedue and payable, all pre mli ms in mspmt thereto, Including, but not Ilmlled to , atrrisk Insurance protecting the Interests of the Mortgagor and Mongage s against loss or damage to the Premises by tire, lightning, and other counties customarily Insured against (Including boiler explosion, it appropriate), with a uniform standard extended coverage endorsement, including debts removalcoverege. Such insurance atallameslo nd In an amount nor less than the full replacement cost of the Premises, exclusive of feelings and foundatons. All insurance policies and renewals shall be acceptable toLenderandshall Include a standard mortgage clause. Leneershell have the right to hold the policies and renewals. If Lender requires. Borrower shell promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loan, Borrower shall give prompt nonce to the insurance canierend Lender. Lendermaymakeprooloiloss It not made promptly by Remover, Unless Lender and Borrower othenstse agree In writing, insurance proceeds shall be soled to msloreton orrepehof the Property damaged, it the restoration or repair Is economically feasible and Lenders security Is not lessened. II the resiorenon or repair Is not economically teselbie or Lenders security wri be lesson ed, the Insurance proceeds shall be applied to the sums secured by the Security Instrumenl, Mother or not then due, with Any excess paid to Borrower. It Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance caller has offered to some a claim, then Lender meycolkIcl the insurance proceeds. Lander may use the proceeds to repairor motors the Propertyorlo paysums secured by this Security Instrument, whetherornot 9"due. The 30. day period will begin when the nonce Is mailed, Union Lender and Borrower otherwise agree in willing, any application of proceeds to principal shall not extend or postpone the due date of ire monthly payments referred to In paragraph i or change the amount of the Protection of the Properly; Borrower's loan Applkaton. Lenetelde, shell waste on the Properly Borrower shall be ..ed.wp or unless extenuating circumstances exist allow the Propertyle deterbrele, mcommit E roa8 0 * OR; 3073 PG; 0556 good faith judgment could result In torleltme of the Property or otherwise materially Impair the Ilan created by this Security Instrument or Lenders socuntylntorest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by Causing the action or proceeding to be dismissed wain a ruling that, in Lenders good faith determination, precludes Iodelture of the Borrowers Interest In the Properly orolher material Impairment of the Ilan created bylhis Seadty lnstument at Lenders security Interest. Borrower shall also Min default if Borrower, during the loan application process, gave materially false of inaccurate Information or statements to Lender (or failed to provide Lender with any material Information) In connection with the loan evidenced by the Note, Including, but not limited to, representations concerning Borrower's mcupancyol the Propertyas a principal residence. If this Security Instrument is on leasehold. Borrower shall complywith all the provision of the lease. If Borrower acquires lee title to the Property, the leasehold and the lee title shal I not merge unless Lender agrees to the merger In writing. 7. Protection of Lender's Rights In the Properly. It Borrower taus to pedorm the covenants and agreements contained in this Security Instrumenl, or there Is a legal proceeding that may significantly allecl Lenders home In the Propeny (such as a proceeding In benkruplcy, probate, for Condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay lot whatever is necessary to prolecl the value of the Property and Lender's ugh(s in the Property. Lender's actions may Include paying any sums secured byalien which has priority over this Security Instrument, appearing in court, paying reasonable atlomeys' fees and entering on the Property to make repalrs. Although Lender may lake action under this paragraph 7. Lender does not have to do so, Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this S%unty Instrumenl. Unless Borrower and Lender agree bother 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 irom Lender to Borrower requesting payment. 8, Mortgage Insurance. II Lender required mortgage insurance as a Condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain (he mortgage Insurance In effect. IL for any reason, the mortgage insurance coverage required bLender lapses or ceases to be In eflect. Borrower shall pay the premiums required to obtain coverage y substantially equivalent to thew orlgage Insurance previously In effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance rm,�u5gjj heffect, from an alternate mortgage insurer approved by Lender. II substantially equivalent mortgage msurancocovoragelsndravdl Borrowershali pay to Lender each month a sum equal to one -twelfth of the yeady mortgage Insurance premium being paid by 8opy rwh the insurance coverage lapsed or ceased to be in effect Lender will accept use and retain these payments as a loss tesery ljY Iaf: engage Insurance. Loss reserve payments may no longer be required. at the option of Lentler, if mortgage Insurance coverage In the mount and for the. period that Lender requires) provided by an Insurer approved by Lender again becomes available antl is obtehetl' oiio�tpr shall pay the premiums required to maintain mortgage insurance in elfecl. or to provide aloss reserve, until the requirement for retlrt aka%nsurence ends in accordance with any mitten agreement between Borrower and Lender or applicable law, '✓ 0. Inspection. Lender or Its epos l ny make reasonable entries upon and Inspections of the Property. Lender shall give Borrower notice at the lime of or prior Igen i poll tion specifying reasonable Cause lot the inspection. 10. Contlemoetlon. The proC¢ad p of any award or claim for damages, direct or consequential, in Connection with any condemnation or other teking of enypart oath rofkrny, or for Conveyance In lieu of Condemnation, am hereby assigned and shall be paid to Lender. In the event of a total taking of the Property a h oceedsshall be applied tour e sums secured by (his Security Instrument, whether or not than due, with any excess paid to Bortowe'. IE even) of a partial taking of the Property, In which the lair market value of the Property Immediately before me taking is equal t4l1g�a eeuhan the amount of the sums secured by this Security Instrument Immediately before the taking, unless Borrower and Lender ouni ise agree n writing, the sums secured bylhis Security insuumein shall be reduced by the enmunl of the proceeds multiplied by the I011oxiggQrkc$o� Ls) the total amount of the sums secured Immediately before the taking, divided by do) the lair market value of the Property Imme�ato aly�ellgre the taking. Any balance shall be paid to Bonowec In the event of a patllai taking of the Property In which the left Merkel valu6;dldheProherty immediately before the taking is less than the amount of the sums secured Immediately for the taking, unless Borrower and LBndeyoil proceeds shall be applied to the sums secured by this Seot1 h Borrower otherwise agree In writing, any application of proc0 , payments retorted to in paragraphs 1 or change the amount of Suit 11, Borrower Not Released, Forbearance By Lance amortltatlon of the sums Secured by this Security Instrument grant( release the liability of the original Borrower or Borrowers success against any successor In Interest or refuse to extend time lot paymr Instrument by reason of any demand made by the original Borrow exorcising any right or remedy shall not be a waiver of or proclude r or not the sums are then due. Unless Lender and not extend or postpone the due date of the monthly Extension of the lime for payment or modification of y successor In Interest of Borrower shall rgloperale to rider shall not be required to commence proceedings ViItyamomzation of the sums secured by this Security gCessors In interest. Any forbearance by Lender in or remedy. Themvenanis is co-signing this Secudly Instrument only to mortgage, grant and convey that BOMSM— esmterest In the Security Instmment; (b)15 not personally obligated repay the sums secured bythls SeeuriVsKindem; at other Borrower may agree to extend, modify, labear or make any accommodations with nei hridniAeterm Nora without that Borrowers Consent. `-:._1:I _`',� 13. Loan Charges, If the loan secured by this Security instrunna is subjeclto a law`w`,7�.','WES law Is finally Interpreted to that the Interest or other loan charges collected or to be collected Into nKb limits, then: (a) anyauch loan charge shalt be reduced bythe amount necessary to reduce thectlargetbU1 already collected tram Borrower which exceeded pomuned limits will be refunded to Borrower. Legder. reducing the principal owed under the Note or by making a direct payment to Borrower. Il a refunds do treated as a partial prepayment without any prepayment charge under the Noto is of this Secunly A 17. Borrowers cute Me Note;(a) the terms of this ILenderandany Instrumentathe Chariffmand1het eedthepennitted and (b) enysums ke this refund by reduction will be class mail unless applicable law required use of another method. The notice shall be directed to the Properly Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when gwon as provided in this paragraph. 18. Bovening Lsw;Severablliry, Federal law and the law of the jurisdiction in which the Property is located shall govern this Security Instrument. In the event that any provision or clause of this Security Instrument of the Note conflicts with applicable law, such conflict shall not effect other provisions of this Security Instrument orthe Note which can be given effect without thecongktirg provision. To this end the provisions or this Security Instrument and the Note are declared to be severable, 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Securfly lnstrmnen(. 17. Transfer of the Property or s Beneficial Interest In Borrovi It all or enypart of the Propenyoranyinlereat in it is sold or translerred (or it a beneficial Interest In Borrower Is sold or transferred and Borrower Is not a natural person) without Landers prior written consent, Lander may, at Ile option, require Immediate payment in full of all sums socured by this Security Instrument However, Lender shall not exercise this option if federal law as of the date of this Security Instmment prohibits exorcise. If Lender exercised 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 notke Is delivered or mailed 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 funher notice or demand on Borrower. 18, BorroWN9 Right to Reinstate, It Borrower meals certain conditions. Borrower shall have the Eight to have enforcement of this eecudty Instrument discontinued at any time prior to the oanler of : (a) b days (at such other period as applicable law may Specify for reinstatement) before sale of the Property pursuant to any power of sale Contained In this Security Instrument: or (b) entry of a judgment enforcing This Security Instmment. Those conditions are that Borrower: (a) pays Lender all sumswhkhthan would be due under this Security Instrument and the Note us It no acceleration had occurred; (b) curve and default of any other covenants or agreements; (0) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attomays leas; and Ed) takes such action as Lender may reasonablyrequlre to assure that the lion of this Secemy IhStNment, Lenders rights in the Propenyand Borrowers obligation to paylhe sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Secudty Instmment and the obligations secured hereby shall remain fully effective as ll no acceleration had occurred. However, this nght(o reinstate shall not apply in „ed.twu L L Yoar o the case of acceleration under paragraph 17. *** OR; 3073 PG. 0557 *** 19. Sale of Note; Change of Loan Servitor. The Note or a partial Interestin the Note (logethervAh this Secuntylnsirurnerib may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Leon Servker") that collects monthly payments ova under the Note and this Security Instrument. There also maybe ono or more changes of the Loan Servicer unrelated to a sale of the Note. If there Is a change at the Loan Servicer, Borrower will be given written notice of the change in accordance With paragraph 14 and applicable law. The notice will stale the name and address of the new Loan Servicer and the address to which payments should be made. The notice wilt also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on Orin the Property. Borrower shall not do, nor allow anyone else to do. anything affecting the Property that Is in violation of any Environmental Law. 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 he appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any Investigation, claim, demand, lawsuil or other action by any govemmental or regulatory agency or privale party Involving the Propertyand anyHozardous Substance or Environmental Law of which Borrower has actual knowledge. It Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remedialion of any Hazardous Substance affecting the Pieporly is necessary, Borrower shall pmmpllytake all necessary remedial actions in accordance with Environmental Lew. As used In this paragraph 20, 1PHazardous Substances' are those substances defined as loxic or hazardous substances by Environmental Law and the (allowing substbnryea: gasoline, kerosene, other flammable or toxic petroleum products, toxic Pesticides and homicides, volatile solvents, materials cog191��Ih9 asbestos or (ormidehyde, and radioactive matedais. As used In this paragraph 20, "Environmental Law" means federal left ant)lgws: lie Jurisdiction where the Property is located that relate to health, safely or environmental Protection. 21. AeaeNMi'oPtr c"-" `ta a. Lender shall give notice to Bonower prior to acceleration bllowing Borrower's breach of any covenant or agreenfifin In Ih1�Sadudty Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise) The notice shell specityc, 555bbb)lite_defaulC(b) the action required to cure the default(c)adate. nolless than30daYs from the dale the notice is given to Borrower, by4ich I,Hfldefault must be Cured: and (d) that lailure to cute the default on or before the date specified In the notice may result In acceleration,, ggf1f NUNS Secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall further 121 mi Borrower of the night to reinstate after acceleration and the fight to assen In the foreclosure preceding the nomexlshmoo of a default or any o her defense of Harrower to acceleration and foreclosure. It the default Is not cured on or before the dale apedlletl In the nelicer; nOrt t its option, may require Immediate payment in lull al all sums secured by this Security Instrument wdhoul further demand and may to lose this Security lnsimmant byjudicial proceeding. Lender shall he entitled to collect all expenses Incurred in pursuing the remedied ovlded(n this paragraph 21,Including, but not limited to, reasonable altomeysfees and costs of the title evidence. 11 , 22. Rdase. Upon peymentol all Sum a charge,ho Borrower. Bomowershellp8yanyreCoid2 23, Attorneys' Pees. As used in this SeEgi by an appellate court, 14. Ridere to this Security Instrument. If Instrument, the covenants and agreements of each si agreements of this Security Instrument as If the rider 11 Adjustable Rate Rider ri El Graduated Payment Rider Ell�k El 1 Balloon Older L.1 Blw El Olher(s)(specify SIGNING BELOW, Borrower accepts andolifazis to the terms and execulod by Borrower and recorded wit f Signed, sealed an deli red in finpr once at: Witness Stiff) Wilnoss Print Name: Witness Print STATE OF_Florlda_ COUNTY OF_Colller Ity Inshunerl, Lendershad release this Securdyinstrument, without the Note, 'attorneys' fees'shall include any a8omeys' lees awarded are executed by Borrower and recorded togetherwhh this Security corporaled Into and shall amend antl supplement the covenants and its Security Inslmment. (Check Applicable Box) zvibievement Rider, u Condominium Rider Address: ❑ Second Home Rider 1 Riser u Planned Unit Development Rider FL IQ this Security Instrument and In any rider(S) I hereby certify that on this day, before me, an officer duly authorized in the stale aforesaid and in the county aforesaid to take acknowledgements, personally appeared Alosnee Chavolus a Clezmencia Hoope■ to me known to be the Persons) doscribed in and who executed the foregoing instrument and acknow1odged before me that HE] SHEI THEY executed the same for the purpose therein expressed. WITNESS my hand and official seal In the County and Slate aforesaid this June 1,44,, 20000002. My Commission Expires: //'"L• W,— Nola Pub 's SIg a ,A Nolarys PtlnTe N me /x( h- (SEAL) GIT'MA OOI'AWb-1A . MARCARET M L-L NOTARY MOLICSTATIIOF FLORIDA 0DIAM 96iON ND.00Y"9Dl —,,ed.wp INSTR 5423483 OR 5410 PG 705 RECORDED 6/28/2017 4:32 PM PAGES 2 DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA REC $18.50 Prepared by: Wendy Klopf Collier County Community & Human Services Division 3339 E. Tamiami Trail, Building H, 8211 Naples, FL 34112 THIS SPACE FOR RECORDING RELEASE OF LIEN KNOW ALL MEN.(BIr;\�, HESE PRESENTS: That Collier County, whose post office address is 3299 E, Tamiaml IraiY,'Nit�les, Florida ida 34ll2, the owner(s) and holder(s) of a certain Impact Fee Waiver Agreements -6x' cuted by Immokalee Habitat for Humanity, Iue. to Collier County, having met the 5 year affordability housing obligation associated with the $62,872.32 of SHIP Impact Fee Waiversof"Which is hereby acknowledged does remise, release, quitclaim, exonerate and discharge fiom•tlae` lien and operation of the said agreement, that certain portion of the premises conveyed by said ien, more particularly described as follows: 1 �., �,'.:��,;Qeel;xbibitA va The undersigned is authorized to and dp'ps h$r by release these Liens with respect to the above - named properties, and consents to these I;i s ei g forever discharged of record with respect to said properties. " This Release of Lien was approved b; 3u"e. cZ`� , 2017, Agenda Item e App'MaiTgr�6`6Fai nd legality: A Cat Qi Jennifer X. Belpedio (y \ Assistant County Attorney S of County Commissioners on - BOARD OF •C _ N"I. COMMISSIC OF COLLI TY, FLORIDA 0 PENNY TA EAG! *** OR 5410 PG 706 *** EXHIBIT A LOTS 1,3,4,5,7,9,10,11,12,13,14,15,17,18,19&20 HIGHANDS HABITAT SUBDIVISION, ACCORDING TO THE PLAT THEREO, RECORDED IN PLAT BOOK 25, PAGE 61 OF THE PUBLIC RECORDS OF COLLIER COUNTY. BCC Approval date/Item 4 r data,`, 15 year affordability _ end date Legal Description Folio Lien (0mg) Impact Fee Amount 09/12/95 Item 16A9 05/IM996 �, 05,/13/2011 Highlands Habita Lot 1 50120000066 2100/1849 $ 3,929.52 09/12/95 Item 16A9 05/13/1996 .. 05/13/2011 Highlands Habitat, Lot 3 50120000105 2100/1863 $ 3,929.52 09/12/95 Item 16A9 05/13/1996r02f28/ 011 Highlands Habitat, Lot 4 50120000121 2100/1870 $ 3,929.52 09/12/95 Item 16A9 05/13/1996 2 11 Highlands Habitat, Lot 5 50120000147 2100/1877 $ 3,929.52 09/12/95 Item 16A9 12/18/19962011 Highlands Habitat Lot 7 50120000189 2100/1891 $ 3,929.52 09/12/95 Item 16A9 02/28/199720 = :, i hlands Habitat, Lot 9 50120000228 2100/1905 $ 3,929.52 09/12/95 Item 16A9 03/09/19972 ;l: ighlands Habitat, Lot 10 50120000244 2100/1912 $ 3,929,52 09/12/95 Item 16A9 04/29/199710-1-2 _ iIlands Habitat, Lot 11 50120000260 2100/2105 $ 3,929,52 09/12/95 Item 16A9 04/07/19972012<.'Ii, hla: ds Habitat, Lot 12 50120000286 2100/2112 $ 3,929,52 09/12/95 Item 16A9 04/07/19972012 , ' .1 a Habitat, Lot 13 50120000309 2100/2119 $ 3,929.52 09/12/95 Item 16A9 12/18/1996/2011 Hi ° a §.Hbitat, Lot 14 50120000325 2100/2126 $ 3,929.52 09/12/95 Item 16A9 12/18/1996 12/18/2011 Hi ` land H "'tat, ) Lot 15 50120000341 2100/2133 $ 3,929.52 09/12/95 Item 16A9 05/13/1996 05/13/2011 High]" ds H itat Lot 17 50120000383 2100/2147 $ 3,929.52 09/12/95 Item 16A9 05/13/1996 05/13/2011 Hi hlanda�lT of 18 50120000406 2100/2154 $ 3,929.52 09/12/95 Item 16A9 05/13/1996 05/13/2011 Highlands "` t 19 50120000422 2100/2161 $ 3,929.52 09/12/95 Item 16A9 05/13/1996 05/13/2011 Highlands a 50120000448 2100/2168 $ 3,929.52 Total $ 62,872.32 e . • GILD 15000,00 0561 15000.00 3034817 OR; 3096 PG; 1013 ooc "is 1592:so acne o Iota: SDl 1110101D In the OIIICIAL WORDS of COLUIR CODITT. it IRSIROTIIC1150R155501 DR 0112311002 at WORK 0lIG9I 1, SIOC1, CORR IIIIDt 14011 9ECONI) 14ORTGAGE THIS SECOND MORTGAGE ('Security Instrument') is given on August 7, 2002. The Second Mortgagor is Axs.ndo a Arrustizu Maldonado, lanalr•ad a wife ('Bonowar'), This Security Instrument is given to_ Collier County I'Lendet'I. which is organized and existing under the laws at the United States of America, and whoseaddress153050 North Horseshoe Drive 427.514 aples, Florida 34104. Bosower owes Lender the sum of tiffe"i O'hovaad Dollara(U.S.3 15,000,00). This.deblis evidencedby Bonowers Nola dated the same date as this Security Insimtnenl('Second Mortgage-), which provides for monthly permits. With the full debt, it not paid eadler, due and payable on aala of t ntioanca, or loan of horatead orrention. This Security Instrument secures to lender. laf the repayment of the debt evidenced blithe Note, with interest, and all renewals, extensions and modifications; (b) the paymentol all other sums, with Interest advanced underparagreph 7 to protect the secunlyoi Iha Security Instmmen; and (e) the performance of Borrowers covenants and agreements under this Security instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located in Co 11 ier County, Florida. More partkuladydesgdtigd dt-Lela 11612 block C Joyce Park at recorded in Plat Book 2550 Page=1 of 0te Calder County Public ('Property Address'): 7th St TOGETHER WITH all Ifii(lmprovements now or hareahererected on the property, and all easements, rights, appudeaaoces, rents, royalllea, mineral, oil and gas rights arel protA3,Yeafor rights and stock and all fixtures now or herea(lera pert at the property. The Security Instrument shall also cover all roplacelashi a 8additions. All of the foregoing is relemed to In this SmunWilstrurrlent as lhe'Propery. DORROWER COVENANTS that rrowet is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property end that the Pro is,unerlcumbered, except for encumbrances of record. Borrower warrants and Will defend generally the title to the Property against all clylin ndddemands, subject to any encumbrances of record. THIS SECURITYINSTRUMENT co, nos'ifolig� covenanisfornational use and nomunllormcovenants with limited variation by Jurisdiction to conathule a uniform security instIM41 coveting real property. UNIFORM COVENANTS. Boma wor and Le ��0.a�cbxenenl and agree as follows: 1. Payment of Principal and Interval Pre rymd rid Leh Chargaa. Borrower shall prompllypaywhen due the principal of and interest on the debt evidenced by the Note. � 2.Tax". The Mongagorwllipdyaillaxes,a0yrs¢nlon over rents or watermles prior to the amoral of anypenaites or interest Ihefeon. ��// The Mortgagor shall pay or cause to be paid, as tAdea5n6, s, tivetybecome due, Alit) all lakes and governmental charges of any kind whatsoever which may at any time be lawfully ass$ - '4d against or Win respect to the Property, (2) all utility and other charges, Including 'service charges', Irced arirrgosedlor aop9 ttdnxmaintenance,use, occupancy, upkeep and Improvement of the Property, and (3) all assessments or other government chergey al ewy,law1ully be paid in Installments over a period of years, the Morigegorahallbeobllgatedunderlho Modgagelopayorceuseld(rap@I onlysuch installments as ere required food peM during the term of the Mortgage, and shall, promptly after the payrnenl of any of Me lore oIn grward to Mortgagee evidence of such payment. 3,Appllatlonof Poymenla.Unlessapplicabletewprovktas' p It payments received by Lender shot[ be applied; lirs1. to du Interest doe; and, to principal duo; and last, to any late cheryes oun erl N g 4. Chargsa; Liens. Borrower shall pay all loxes, assessmenls,cji o; (h and impositions attributable to the Property which may shale prfodtyover this Security instrument, and leeseholtl payments or?)r uh (tI it any. Borrower shall promptly lumish to Lender all helices of amounts to be paid under this paragraph, and all receipts evide`dpl heaymenls. Borrower shall promptly discharge smitten which earned if is off InstmmentuniessBmmr...(a)agreasinwdtingto the payment of the obligation secured blithe Ilan Ina manner acceptable to Lentler, (b) oon(es.Nn good laith the lien by, ordefends against enforcement of the lien In, legal proceedings which In the Lenders opinion operate topic, t enlorcementoi Ma lien; of(c) secures iron the holder of lie lien an agreement satisfactory to Lender subordinating the lien to this, ncgyld nS�mmenl. If Lender determines that any pan of the Properly, is subject to a Ilan, which may again priority over the Goodly lnsburlieaVCa r' ay glue Borrower a notice Identifying Milan. Borrower shall aetlety the Ilan or lake one or nrore of the actions sal loth shove Kit n 1Q ys of the giving of notice. d. Harard or Property Insurance. Borrower shall keep Me improvements neW tl ;afYysmaller erected on the Property Insured against loss by fire, hazards Included within the tam 'extended coverage' and enyoggggggffffffe:, sz rdl"hi"n��uding floods or flooding, for which Lender requires Insurance. This Insurance shall be maintained In the emouots antl Ior�tfiB' ys that Lender requires. The Insurance carder providing the Insurance shall be chosen by Borrower subject to Lenders epproval,`TvhIL� shall not to unreasonably withheld it Scream falls to malntaln coverage described above, Lender may, at Lenders option, obtain 0 _ agptoprotecl lenders rights in the Property In accordance with paragraph 7. At all times that the Note is outstanding, the MortgagorFlyetlTiffinam insurance with respect to the Promisee against such risks and for such amounts as are customarily insured against and pay. na same become due and payable, all premium$ In respect thereto, Including, but not limited to, all-risk Insurance protecOng the Interests of the Mortgagor and Mortgagee against loss or damage to the Promises by lire, lightning, and other casualties customarily Insured against (including boiler explosion, if oppropriote), with a uniform standard extended coverage endorserronl, Including debts removal coverage, Such Insurance at as times to be In an amount hot lees than the full replacement cost of the Premises, exclusive of loolings and foundabons. All Insurance policies and renewals shall be acceptable to Lender and shall Include a standard mortgage clause. Lendershall have the right to hold the policies and renewals. 11 Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and ranowsl polices. In the event of loss, Borrower shall give prompt notice to the insurance carder and Lender. Lendermaymake proof otoss If not made promptly by eorrovrer. Unless Lender and Bonower otherwise agree In writing. Insurance proceeds shall be soled to restoration or repair of the Property damaged, If the restoration or repair Is economically feasible and Lenders security is not lessened. It the restoration or repair is not economkaltyloasible of Lenders security would be lessened, the Insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, Wth any excess paid to Borrower. 11 Borrower abandons the Property, or does not answer Within 30 days a notice from Lender that the Insurance carder has offered to settle a claim, then Lender maycollect the Insurance proceeds. Lender mayuse the proceeds, to repair or reatom the Property or to pay sums secured bytes Security Instrument, whether or not then due. Thant - day period will begin when the notice Is mallad, Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments rolemod In In paragraph 1 or change the amount of the payments. It under paragraph 21 the Property Is acquired by Lender. Borrowers rightto anylnswance policies and proceeds resulting from damage to [he Property after to the acquisition shall pass to Lenderto the exlenlol the sums securedbythlS Security Instrument immediately prior ..4.ed.vp soul o 9. Couupenoy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Lasseholds. Borrower shall occupy, establish, and use the Property as Borrowers principal residence Within sixty days Sherrie execution of this Secunly Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year alter 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 Borromes control. Borrower shall not destroy, damage or Impair the Property, allows the Property to deteriorate, or commit waste on the Property. Borrower shall be In default It any fodelWre action or proceeding, weather civil or criminal, is begun that in Lender's good lallh judgment could result In forfeiture of the Property or otherwise materially impair the lien created by this Secuoly lnstmmenl or Lendets security Interest. Borrowermaycure such a default and reinstate, as provided in paragraph 18, bycausing the action or proceeding to be dismissed with a ruling that, In Lendets good faith determination, precludes forfeiture oI the Borrowers Interest in the Property or other material Impairment of the Ilan created by this Security Instrument or Lender's security interest. Borrower shell also be in default 11 Bonomr, during the loan application process, gave materially false or Inaccurate Information or statements to Lender (or failed to provide Lender with anymalerial information) in connection with the loan evidenced by the Note. Including. but not limited to, representations concerning Bormwe's occupancy of the Property as a principal residence. If this Security Instrument is on leasehold. Borower shall comply wllh all the provision at the lease. If Bonowm acquires fee title to the Property, the leasehold and the tee title shall not merge unless Lender agrees to the merger In writing. 7. Protection of Lender's Rights in the Property. If Borrower lolls to perform the covenants and agreements contained In this Security Instrument, or there Is a legal ptoonding that may significantly allecl Lender's rights In the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Londer may do and pay for whenever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may Include paying any sums secured by a lien, which has priority over this Security Ins Wmenl, apposing In court. paying reasonable allomeyslees and entering on the Property to make repairs. Although Lender may lake action under this paragraph 7, Lender does net have to close. Any amounts disbursed by Lender under this paragraph 7 shall become ¢¢ddilional debt of Bonower secured bythis Security instrument. Unless Borrower and Lender agree to other terms of payment, these ahpghlgahall beer Interest Imm the dale of dlsbursement at the Note rate and shalt be payable. with Interest, upon from e, - - - substantially equivalent to Ind m000l mortgage Insurance previously in offs Insurance coverage Is not aveliablo premium being paid by Blame", who payments as a loss reserve in Ibu of mortgage Insurance coverage tin the reserve, until the requirement for modgi applicable low. 9. Inspection, Lender or its Borrower notice at the time of or Ardor to 10. Condamnatlon. The p condemnation or other taking of enypert Lender. In the event of a total taking of It or not than due, with any excess paid h ender required mortgage Insurance as a condition of making the loan secured by this Security alums requited to maintain the modgage Insurance In effect. IL for any reason, the mortgage leases or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage Insurance previously In effect, at a cost substantially equivalent to the cost to Borrower of the &brn an alternate mortgage Insurer approved by Lender. If substantially equivalent mortgage oAr shall pay to Lender each month a sum equal to one twelfth of the yeadymodgage insurance to MIA coverage lapsed or ceased to be in effect. Lender Winecceph use and retain these dgage unn"e. Loss reserve payments may no longer be required, at the option of Lender, If movdI - d for the period that Lender requires) provided by an Insurer approved by Lender again Ducar- ell pay the premiums required to maintain mortgage Insurance In aged, or to provide a loss ige l oufarldp'ends In accordance with any wdnen agreement between Borrower and Lender or agent n4y.�pt�1eek4 ssonable entries upon and Inspections of the Property, Lender shall give an insp`eclioiiso Iryfng reasonable cause for the lnspecaon. oceeds of ;tin '@@ r�+,pr claim for tlemages, direct or consequential, In connection with any of the Propell�'QQT rcoOeyance in led of condemnation, am hereby assigned and shall be paid to e Property, the pioc ads e¢ell be applied to the sums Secured by this Security Instrument, whether Borrower. In tAewe'11_9 a arliai taking of the Property, In which the fair market value of the equal to or great anlh nlhp'a�yount of the sums secured by this Security lnstmmenl immediately before the taking, union Borrower and Lender otherwise agr" , wwrr1J11 the amount of the proceeds multiplied by the following itsetioraf ll divided by lb) the lair markelvalue of the Property Immedlalelyb%;(e(pn partial taking of the Property In Mich the fair market value o1 the Prof] Secured Immedlatelylorlhe taking, union Borrower and Lender othal proceeds shall be applied to the sums secured by this Security met Borrower otherwise agree In writing, any application of proceeds to payments retorted to In paragraphs 1 or change the amount of such 1 i. Borrower Not Released, Forbearance By Linder t release the liability of the original Borrower or Bon against any successor In Interest or refuse to extend Instrument shall bind and ILenderand ewerwhoco and convey I of the sums secured Immediately before the taking, f balance shall be paid to Borrower. In the event of a before the taking is less than the amount or the sums iting or unless applicable law otherwise provides the or not the sums are then due. Unless Lender and tot extend or postpone the clue date of the monthly has Stan of the lime for payment or modification of .cd ssor In interest of Borrower snail not operate to dSa hall not be required to commence proceedings d amortization of the sums secured bythis Security joc.04pr ninleresl. Any forbearance by Lender in greements of this Security paragraph 17. 6orrowel's s not execute the Note; (a) ty under the terms of this Irees that Lender and any Note without that Bonowers consent. 13. Loan Chary". It MS loan Secured by this Secuntylnslmmem is Subject to a law Which se( rrysuimu)n loan charges, and that law Is finally Interpreted so that the Interest or other loan charges collected or to be calkictedinconnectionwf the ban exceed the permuted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the pemalled lime; and (b) any sums already collected tram Borrower which exceeded permitted limits will be rolunded 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. 11 a refund reduces principal, the reduction wilt be treated as a partial prepayment Without any prepayment charge under the Note, 14. Notice#, Any notice to Borrower provided for In this Security Instrument shall be given bydelivering it or bymailing It by first class mall unless applicable law required use of another method, The notice shell be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 13, Coveming Law; Baveretslllty, Federal law and the law ofthe Jurisdiction in which the Property is located shall govern this Security Instrument. In the event that any provision or clause of this Security lnstmmenl or the Note conflicts with applicable law, such conflict shell not affect other povislons of this Security Inslmment orlhe Note which can be given oflecl without the conlliciingprovislon. To this end the provisions of this Security Instrument and the Note are declared to be severable. 15. Borrower's Copy, Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the property w a BanHklat Interest in Borrower. II all or any pan or the Pmpanyof any Interest In It Is sold or transferred (or II a beneficial interest in Bonower Is sold or benslonad and Borrower Is not a natural person)" noun Lenders prior written consent, Lender may, at Its option, require Immediate payment in I011of all sums secured bythis Security Instrument. However, Lender shall not exercise this option II federal law as of the dale of this Security Instrument prohibits exercise. II Lender exemised this option, Lender shall give Borrower notice of accelerallon. The notice shell provide a period of nodose than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the explrahon of this period, Lender may Invoke any comedies permitted by this Security Instrument without further notice or demand on Borrower. ,. Md.t 0 18. Borowers Rightto Rolrletats. It Borrower meets certain conditions. Borrower shall have the right to have enforcement of this Security Inslrumanl discontinuod at any time prior to the eadier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or Rif entry of a judgment enfominglhie SecudfyinstNmant Those conditions are that Hanover (a) pays Lender all sums which then would be due under this Security instrument and the Note as II no acceleration had Occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses Incurred In onloming this Security Instrument, Including, but not limited to, reasonable ahomays fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Insmmenl, Lenders rights in the Propemyand Borrowers obligation to paythe sums secured by this Security Instrument shall Continue unchanged. Upon reinstatement by Borrower, this Securiy Instrument and the obligations secured hereby shall remain rutty effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17, ig. Sale of Not#; Change of Latin Servitor. The Note or a partial Intemstin the Note (together with this Security Instrument) may be sold one or more limes without prior notice to Borrower. A sale may result in a change in the entity(known as the'Loan Servicer') that collects monlhlypaymenls due under the Note and this Secudtylnsbument. There also maybe one or more changes of the Loan Servicer unrelated to a sale of the NOW If there Is a change of the Loan Servker, Sonowerwill be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will stale the name and address of the new Loan Servicer and the address to which payments should be made, The notice will also contain any other Information required by applicable law. 20. Horrendous Spbehnces. Borrower shall not cause or permil the presence, use, disposal, storage. or release of any Hazardous Substances on oryln the Property. Borrower shall not do, nor allow anyone else to do, anything affecting lire Property that is in Wolalionolany Envbony6n ILaw. The preceding two sentences shall not apply to the presence. use, or storage on the Property of small quantities of Huardogfi Sub�en 4ces that are gerallyrecognized to be appropriate to normal residential uses and to malnlenance of the Property. Bomomr shall, give Lender written notice for any Investigation, claim, demand, lawam or other action by any governmental or regulatorynouncyy private party Involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowidQJe: II - " wet looms, or is notified by any governmental or regulatory authority, that any removal or other remedlallon of any Hazardous 9ubs1 1 affecting the Property Is necessary, Borrowarshall premptylake all necessarymmedial actions In accordance with Environmental LA dsetl In this paragraph 20,'Hazardous Substances' are those substances defined as toxic or hazardous substances by Environ enlal Law anti the following subsienms: gasoline, kerosene, other flammable or toxic petroleum products, fordo pesticides and herbicides, volatilg solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used In this paragraph 20,'EnWronm4nlal k6 means federal laws and leers of the jurisdiction where the Propertyis located that relate to gl, Acceleration; Remadhe.`,lkndershall give notice to Borrower prior to acceleration following eorrowet's breach of any covenant or agreement In this Security In lmm At-(bb not prior to acceleration under paragraph 17 unless applicable law provides ulherwlse). Thanoliceehailepeclly (a)the de(e Iti(bf }l"Orion requited locum the default: (c)adata, not less than 30 days train the date the notice Is given to Borrower, bywhlch the default ustba,curad;and(it) lhaUeliure locum the default on arboreta the dale specified in CD, the notice may result In acceleration of the sums peeyyl6d %his Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall further Inform Bovowar dl ihylrj5In( to reinstate alter acceleration and the right to assert In the foreclosure - proceeding the nomopelenca of a default or anyothatd�' oi'i�ovowerloaccauration and foreclosure. tllhedelaultisnolcuredonor G before the date specified In the notice, Lender, at its opaylrequire Immediate payment in full of all sums secured by this Security Instrument further demand foreclose lh�Sequdry.tp'slmmenlbyjudicialproeeeding, Lender shall be to collect all tp rn without and may entitled expenses Incurred In pursuing the rernedles provided In thisP ragre hh t,including, but not limited to, reasonable ahomeys lees and costs b 01 the title evidence, pp ,,)) 22.Rol"". Upon payment of all sums eecuredleyt'.Ssc rtryInsWment, Lender shall release this Securitylnshumenl, wilhoid � -• charge,to Sorrower. Borrowershall pay any recordation mats � 1 23LAttorrMyt)ndeiFies. Asusedinlh)sSecudWInsimmenitij9'4'aRomeys'(ees'ShalfiwludeanyaHomeys'("samtded by an appellate mud.`t o 24.1111dorsta Mrs Seeur)tyinsbunnenl lfoneormoreddersa executed by Borrower and recorded together Win this Security Inslruminl, the covenants and agreements of each such ddershall be I at too and shall amend and supplement the Covenants and agreements of this Security Inslmmenl as it the riderls) wets a pan of this SoFimi Instrument. (Check Applicable Bop Adjustable Rate Rider Rate Improvem of Aid r ❑ Condominium Rider Graduated Payment Rider El 1d FamityRider u Second Home Rider /'` • l ❑ Ballmn Rider Biweekly Payment Rigey Planned Unit Development Rider ...� El Othads) (opacity SIGNING BELOW, Borrower accepts and agrees to the terms and Covenants Contained In this slsl S ud(y Instrument and in any riders) exaculed by Bo rywer and recorded with it. Signed, seelod and doll varied In the presence of: �13 Borrower A Oro "Loo"Qa-fr' . ; 7 . , , i u Il. L' Witness Print Name: Signature: k Borrower Aguabina Maldonado Wltnesa 8IQmdum:-J: : )(k- cw r (i lgtc b(- N mrssic i Witness Print Nam; `rLVir'i Y i't�l o� L Address: 225 North 7th St Immokalee, Florida 34142 STATE OF_Fiodda_ COUNTY OF_,Colllet_ I hereby Cuddy that on this day, before me, an officer duly authorized In the stale aforesaid and in the county aforesaid to lake acknowledgements,pomonallyappeamd Aggsbina Maldonado tome known lobe the person(s) described in and whoexecuted the foregoing Instrument and acknowledged before me that Sf. THEY executed the same for the purpose therein expressed. WITNESS my hand and My Commission Expires (SEAL) I Add orW Notary POP STATE OF—fWki&— COUNTY OF--PollW— I hereby oertry that on this clay, before m, an officer duly autaind in 010 SWO Afww*W and 10 tM wxdy aforesekl b� take mkncwWdg6m*nW personsky appeared Azimando bialdmado to m known P-bal 7-7 to in and who &"G%gW an twego" We*~ and somowWged before me th H�El SHE/ THEY e);ea"'itrrw for the grpwe tw6ln oWessed. WITNESS my hand v4o*M a" in V* cw* w4 Stft efaeeaki We Avust 7, M. My CW"W rn via 4an 2109273 OR: 2239 PG: 240 RICOIDID in OPPICIAL RECORDS of COLLIER CMMY. I: 10/16/16 at 01:22PN DNIGHT a, BROCK, CLERK OBLD :900.00 OBLI 21:0.00 RIC III 1915; DOC•.39 1.16 Rota; COLLIER COUNTY TITLE CO 2301 CI 951 10 NAPLIS 11 34111 sac= latmsran 1996 nwa6600"DuoNTawMWM% bitm«.Qct.1,0, m.bm"w.twy.r JOHN M. GIFFORD AND EM11A°`A� GIFFORD, HUSBAND AND WIFE VAM r M"NV AMWO 441 20th Naples. a INT•1002 9.0u iMw�wrr• t ww/ w"m wr wlmrwrwo owposel w w w w OR; 2239 PG; 2402 0 OR; 2239 PG; 2403 *** OR: 2239 PG: 2404 *** THE EAST 150 FEET OF TRACT 77, GOLDEN GATE ESTATES, UNIT NO. 23, ACCORDING TO THE PLAT THEREOF AS RECORDED IN PLAT BOOK 7, PAGES 9 AND 10, OF THE PUBLIC RECORDS OF COLLIER COUNTY, FLORIDA. 0110 1100.00 • o1oo0.00 LI u 2884845 OR; 292 PG; 1876 DDa "is 1si:DOD lite: roar o 11011111110 I 0111111 INIIOVININT 11COIDID in the 0111CIAL AICOIDI of COLL111 C00111, IL 11111 0111C1 11/13/2001 It 01:21A1 D1114" 1, 110CN, 0111 A"C WINDY 11,011 8ECONI) MORTGAGE THIS SECOND MORTGAGE. (`Socurily Inshenent') Is given on October 31,2001. The Second Modgagor Is: Armando Nieto a Norma Nieto ('Borrower'). This Security lnavumentis given to Collier County ('lender'), which is organized and existing under me laws of the United States of America, and whose address is 3050 North Horseshoe Drive 1145, Naples_ I'i _. isle 341 U4. Borrower owes Londe the sum of rig tson Thousand dolIera (U.S.$ 15, 000. 00). This, debt is evi dented by Borower's Note dated the same data as this Security Instrument ('Second Mortgage'), which provides for monthlypayments, with the loll debt, it not paid i ier, due and payable on male of DCODsrtY, refinance, or loss at hcssestsad exemption. This Security Instrument soc ular to Lander: (a) the repayment of the debt evidenced by the Note, with Interest, and all renewals. extensions and modifications; (b) the payment of all other sumo, win Interest advanced under paragraph 7 to protect the seeunty of me Security InslrumenL and (c) the performance of Borsimes covenants and agreements under this Security Instrument and the Nola. For ao, pugmco, Burruwor duos bureby second mortgage, grant and convey to Lander the lollowing described property located In Co 11 i er ".Ir. c1•. Floods. I-\1 Morapadmufirlyda;410 ts;_ate, Block 15, New MarketeubdIvIslon, Public racordsof Collier County, Florida. Fo1bWE3B5/5°0000 and which has the address CPrap oly Address'): TOGETHER WITH aft Ins � fov'amants now or hereafter erected on the property, and all easements, fluids, appurtenances, rants, royallms, mineral, el and gas agh s and profits, water rights and stock and all fixtures now or hereafter a pad of the properly. Tho Security Inemmoni shalt also cover all replacements an additions. All of the loregoing Is referred to In this Security Instrument as the 'Popery. BORROWER COVENANT${pa48o, ower is lawfully seized of the estate harobyconveyed and has the right to mortgage, grant and convoy the Properly antl Thal Iho 6ropdd.' is unencumbered, except for encumbrances of record. Borrower warrants and will defend ganamlly the his to the Property against el claims, end demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combat covenants for national use and nomumlo an covenants with llmiledvariatlon by lunadicloill to constitute a uniform seoeity, trial Sol cpvodng real propeny. UNIFORM COVENANTS. Borrower ahhd }}e .. ez�covananl end agree es follows: 1. Payment of Principal and lnterait,,PispaXrpapl and Late Charges. Borrower shall promptly pay when duo the principal of and Injured un the debt evaluated by the Note <11 } 2.Taxes. The Mortgagor will pay all loxes esi0 a Is, sewer rents or water rates odor to the accrual of any penalties or Interest Dialect. J The Mortgagor shall payer cause to be Paul islKe lain respectively become due,(A)(1) all taxes and governmental charges of any kind whatsoever which may at any time be lawfully easeed envied against or with respect to the Property. (2) all utility and other creates. Including 'sevice charges'. Incurred or Imposed toftheo rat�,pn, maintenance, use, occupancy, upkeepandimprovemenlof the Properly, and (3) all assessments or other governmental ch0t6>It mrpay lawfully be paid In Installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or Cause to bepald'onlyrimh installments as are required lobe palddudnp gw term of life Mortgage, and shall, promptly after the payment of arty ofth)Vorep�ooln'g, forward to Mongagee evict of such payment. 3. Application of Payments, Unless applicable law prov( va plh6 1 e, allLs received by Lender shall be appied;frst to interest due; and, to principal duel and Iasi, to any late charges due unde((1haN010. 4, Chargas;Llens. Borrower shall pay all taxes, asaosamen1p.c pas *tines an to lone alldbutableto the Property. which inay attain prerily over this Security Instrument, and leasehold paymeM66r 9;Adgd ris, 11 any. Borrower shall promptly furnish to lender all notices or amounts to be paid under this paragraph, and all recalpts evidep6ln tea PaymSale. Borrower shall promptly discharge anyflen which has prlonty ova it 1?SBC���6sty1r� tmmenlunloss SOrrowM:(a)ageesinwn5rpto ilia payment of the obligation secured by the lien In a manner acceptable to Londe ICc testa In good faith the lien by, or defends against on forcemenl of the lien in, legal proceedings which In the Lende's opinion operetg o' ' ntsheenforcementofthellen;or(c)naturesfrom the holder of the lien an agreement satisfactory to Leader subordinating the lien I'llm securitylimhument. 11 Lender doloarines that any pars of the Property is subject to alien, which may attain prlorilyover the Security instrument grlgermay0lve Bonalweranoticeldentilying rim eon. Borrower shall satisfy the lion or take one or more of the actions set forth abo'v Ilhln VjO days of the giving of nolloe. 5. Hazard or Property Insurance, Borrower shall keep (he Improvements'ggw glVs ng or hereafter erected on the Property Insured against loss by lire, hazards Included within the term 'extended coverage' and angaatth hale, ds, Including floods or flooding, for which Lender requires insurance. This Insurance shall be maintained In the amounts one fur the I nods that Lender requires. The insurance carrier providing the Insurance shall be chosen by Borrower Subject to Lendoes'Appta ¢r winch shell not be unreasonably withheld. It Borrower Jails to maintain coverage described above, Lender may, at Landers oPllon,`�all- ,raga loprotw Lenders nights inllty Pruportyinaccordatcowithparagraph7. At all (lines that the Nate is uutstending,the Modgagoygh III Ma4hWurancewithrespect to the Premises against such risks and for such amounts as are customarily Insured agalnsientl PaY, airM ea bercorw due and payable, all premiums In respect thereto, Including, but not limited to, alhrlsk Insurance protecting the Interests i Ih Mgngagor end Mortgagee against loss or carnage to the Promises by (Ire, lightning, and other casualties customarily Insured agd1�Jd1(tnt1obing boller explosion, If appropriate), with a uniform standard extended coverage endorsement. Including debits removal coverage. Such Insurance at all ones to be in an amount not lass than the lull replacement cost of the Promises, exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lander and shall Include a standard mortgagedause. Lendorshal have tie light to hold Ilia policies and renewals. It Lentler requires, Borrower shall promptly give to Lender all receipts of paid premiums and mnewainoficos. In the evens of loss, Borrower shall give prompt notice to the insurance canioranc Lender. Lendermly make proof of loss it not made promptly by Borrower. Unless Lencar and bunawur other<nsu agnuo in willing, Insurance proceeds snail be applied to tesloation or repair of the Property damaged, 0 the restoration or repair is economically feasible and Lenders security Is not lessened. It the restoration or repair Is not economically feasible or Lenders secuntywould be lessened the Insurance proceeds shall be applied to the sumo secured by the Security Ifortin mt, whether or not then due, with any excess paid to Borrower. 11 Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carder has offered to settle a claim, then Lender may collect the Insurance proceeds. Lender may use the proceeds to repair or readers the Property Or to pay sums secured bythis Security fnstrumenl, whether or not then due. The 30- day period will begin when ilia notice Is mailed. Unless Lender and Borrower otherwise agree In willing, any application of proceeds to puncipal shall not extend or postpone the due date of the monthly payments retorted to In paragraph 1 or change the amount of the payments. 11 under paragraph 21 the Property is acquired by Lender, Borrowers right to any Insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extenlof the sums secured by this Security treatment immediately prior to the acquisition. 6. Occupancy, preservation, Maintenance end protection of the property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrowers principal residence within sixrydaye afteri66exeeuuon of this Security Instrument and shall continue to occupy the Property as Borrowers principal residence (or at least one year shot the date of occupancy, unless Lander otherwise agrees In writing, which consent shall not be unreasonably wllhheid, or unless extenuating circumstances exist which are beyond Borrowers control, Borrower shall not destroy, damage or Impair Uw Property, allows the Property to dotedoale, or comrmtwasloonthe Properly. Borrower shall be In delaull if any forfeiture action or proceeding. whether civil or cdminaL is begun that in Lender's good faith judgment could result In forfeiture of the Property or otherwise rnelenaily impair the lien created by this Security .Did. wig OR: 2923 PG: 1877 roan 0 hntnemm11 or Lenders security Interest. Borrower may cure such a default and relnstato, as provided In paragraph 18. byeausing the action or pocuodng to be dismissed with a ruling that, in Lender's good faith determination. precludes lodoilure of the Borrowers interest In the Pwpm ly or other nalurne Impairment of ilia lion cmalod by tills Security Instrument or Lenders socufily, Interest. Bottom, shall also be in default II Borrower, during the loan application process, gave materially false or Inaccurate Information or statements to Lender (or failed to pmvWv Lender will, any nimunal information) In connection with the loan evidenced by the Note, Including, but not limited to, representations cur ce ong Burrower occupancy of the Property asa principal residence, It, this Security Instrument rs on leasehold, Borrower shall comply v:dh;dltbepmvlswnollllelwufo $1 Borrower acquires fee title to the Property, the leasehold and the foe tale shalt not merge unless Lender ngnms IV the rneryor in wriling. 7. Protection of Lanch is Rights In the Properly. It Borrower fails to perform Ills covenants and agreements contained in this Sunady Instrument, or Thom is a legal proceeding that may significantly affect Lenders rights In the Property (such as a proceeding In Lankl eaVy, pleuras, lot condemnation or lorkinute or to Coleco laws or regulations), then Lender m rydo and pay for whalever its necossary Iv proh+ck tire value of Ilia Property and Lender's rights in the Property. lenders actions may ectude paying any sums secured by a Ilea ,vl nc11 I As finally over (Ills Security Instrument. appearing in court, paying reasonable attorneys' leas and Smoking on the Propenyto make or,Alma dgh Lin War nary lake action need r this paragraph 7. Londe r does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security instrument Unless Borrower and Lender agree to other Ivrins or pays ant, those amounts shall bear interest from the dale of disbursement at Ilia Note rate and shall be payable, with interest, upon uuaco Ircn Lundur le borrower requesting payment. B. Mortgage Insurance. If Lender required mortgage insurance as a condition of making llte loan secured by this Security Irbinun,:dl, Borrower shall pay (lie premiums required to maintain the mongago insurance In effect, II, lot any reason, the mortgage ,imunuice coverage, rugoued by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage e.obb¢uaialfy ugwvalent.lu I}e mongago Insurance previously In affect, at a cost substantially equivalent to the cost to Borrower of the m� gorju insurance oil ISI� In allecl, from an alternate mortgage Insurer approved by Lender. II substantially equivalent mortgage Usuhwce coveragdlsrul E4:"lable. Borrower shall pay to Lender each month a sum equal to ono -twelfth of the yeady mortgage insurance v Invumn baniy paid LK13w wwrWihen Ilia insurance coverage lapsed or ceased to be In effect, Lender will accept, use and retain these pnymeins as a loss reie(vu�/n tmeu I mortgage insurance. Loss toserve payments any no longer be required at the option of Lentler, it modyaye insurance covcugu (id1 9 amount and for the period that Lender requires) provided by an insurer approved by Lender again Lscul I as available all it its oblair�d. H&T[wor shall pay the premiums required to maintain mortgage Insurance in egad, or to provide aim naorvu, Until Ihu fagerumerf lurtndtlg'age insurance ends In accordance with any written agreement between Borrower and Lender or ppncabtu law _ / // 9. Inspection. Wader of its agent may make reasonable ontem; upon and inspections of the Property. Lender shall give tlwrvwui nooco at Imo Ilno of of prior to an In$�ppaction specifying reasonable cause for the inspection. 10. Condomnall0n. rFe_RraCa405 Of any award or claim lot damages. direct or consequential, in connection with any cendunmalionorothertakingof anyparcrft Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Luncur Intilooventolulolal taking of the roparty.:the proceeds shall be applied to the sums secured by this Security Interva 1, whether ur nut Irian duo, with any excess paid to orrow�h_ I��,,the event of a partial taking of the Property, In which the lair market value of the Property immediately deice the taking Is Seoul rioorgt star khan the amount of the sums secured by This Security InsbumentImmediately before the taking, anioss Borrower and Lender,olho/wtfSd kgres In writing, the sums securod by this Security Instrument shall be reduced by Ira .uncurl of tire proceeds eelepiied by the lellorng inaction; (a) the total aoou it of the sums secured immediately before the taking, divided by (b) the lair market value of the Property before the taking. Any balance shall be paid to Borrower, In Iho evenl of a penrd axing or ilia Property in which the lair market ' ofthe�eroperty Immediately bsum efore the taking la less than the amount of the su securwk unmedately for the taking, unless Borrower avat,Lppafpr or herwise agree In writing or unless applicable law olhermie provides, the pmcuuds shall be applied to the sums secured by Ihl65ec nit .lk it me whether or not the sums are then due. Unless Lender and Bunowar otherwise agrou in willing, any application of pro�aadg to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs I or change the amouh ql SUM p Income. 11. Borrowor Not Released, Forbearance By Lppdif N t a kill r. Extension of the time for payment or modification of a,Iwinzalion of the sums secured by this Security Instrument gran tepDsrl_ailtletto any successor In Interest of Borrower snail not operate to roluesu the habildy of Ito original Borrowur or Borrowers succesbeelts In Idlgiast Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time tot paym alter 01¢af{''ll a modifyamodizatlon of the sums secured by this Security m>humenl by reason of any demand made by the original Borrower or 6orro es successors in Interest. Any forbearance by Lender o uxurcnmg any fight or remedy shall 0ol be a waiver of or preclude iha . se oP4ny right or remedy. 12. Successors and Assign$ Bound; Joint and Several 1.I1hy;,G1qq'SSlgneu. The covenants aril agreements of this Security insircieeal shall bind and bar the successors and assigns of Lender slid Bottoyle'r, siiblect to the Provisions of paragraph 17. Borrowers covenants mulagmunmms shall be joint and several. Any Borrower who co:tjgna(hle'S Awnstrumenl but does not exaeutenhe Note: (a) is cu siynmg this Security Inshuinant only to mongago, grant and convey that B, rower, Interest in the Property unearth e terms of tNs Secunry lnslmmang(b) is not personally obligated to pay the sums secured by this S� rylnstrumenl; and agrees that Lender and any liner Borrower may agree to extend, modify, forbear or make any aecommodalions'vcth regard to the terms of this Security Insuumenlorthe Nuts without that Borrowers consent. 13. Loan Charges. 11 the loan socurod by this Security instrument Is subject 10 law;4ich sets maximum town charges, and that law is finallyinterpreted so that the interest or other loan charges collected or to be collecledIIICon nftacgon with the loan exceed the pemu8ed her6.then:(a) any such loan charge shall be reduced by the amount necessary to reduce ln96rhae �dthepormittedlimil;end(b)anysums already collected from Borrower which exceeded permitted limits will be refunded to Borrower:,Lentle�nuay choose to make Ihrs refund by reducing the principal owed under the Note or by making a direct payment to Borrower. if aregnwdf ducfsv ponolpal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. (,: 14, Notices. Any notice to Borrower provided for in this Security Instrument shall be glvS6by-0,5L rig it or by mailing it by first lose naa unless applicable law required use of another method. The nunco shall be dim ktod to the Property "yoss or any ollor address Burrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender pyen as provided In this pnragraph. 15. Governing Law; Severabllily. Federal law and the law of the jurisdiction in which the Property is located shall govern this Security Instrument In the event that any provision or clause of this Security Instrument or the Note Controls with applicable law, such confiiot shall not al [Oct other provisions of this Security Instrument or the Note which can be given effect wilhoul the Conflicting provision. To gins and the provisions of this Secunly Instrument and the Note are declared lobe severable. 16, Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17, Transfer of the Property or a Beneficial Interest In Borrower, II all or any Dan of the Property or any Interest in it is sold or ;r,;nsl.areJ (or it a baudlicial iAurest In Borrower is sold of transferred and Borrower is not a natural person) without Lenders prior written eersme, Lender may, at its option, require immediate payment In full of all sums secured by this Security instrument. However. Lender shall riot exercise Ihis option it Indent; law as of the date of this Security Instrument prohibits exercise. It Lender exercised this option, Lender shall give Bandied notice of acceleration. The notice shall provide a period of not less than 30 days from the dale the notice is delivered or mailed Within which Borrower must pay all sums secured by this Security Instrument. If Borrower tails to pay these sums prior to the expiration of has period Lender may Invoke any remeders permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Relnstale. It, Borrower moats certain conditions. Borrower shall have the right to have enforcement of pus Security Instrument discontinued at any time prior to the earner of: (a) 6 days (or such other period as applicable law may speclty for rcesidtnnneng baloro sae of Ilia Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment onmrcing this Security instrument. Those conditlons are that Borrower: (a) pays Lender all sums which than would be due under this Security Instmnlunt and Ilia Note, as if no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security inslrumonl, Including, but not Ilmiled to, reasonable aaornays fees; end (d) takes such actor as Lentler may reasonably require to assure that the lien of this Security instrument, Lenders rights In the Propertyand Borrowers obligation to pay Ilia sums secured by gas Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security instrument and Na obligations secured hereby shall remain fully effective as it no acceleration had occurred. However, this right to reinstate shall not apply m Iho case o1 acceleration under paragraph 17. r to" o *** OR; 2923 PG; 1878 *** 19. Sale of Note; Change of Loan Seryltue. The Note Ora parent nterest in the Note (together Win this Security instrument may ue seld one or more allies without poor notice to Borrower. A sale may result in a change In the entity (known as the 'Loan Semcer') that cullacls monlNypaynwnls due wilt the Note and this Security Instrument. There also may be one or more changes of the Loan Sonacer w refal d e a sale of the Nus, If there is polemi t of the Loan Soni a re, Borrower will be given written notice of the change in accordance with paragraph 14 slid applicable law. The notico will state the name and address of (he new Loan Sampler and the address to which payments should be made. The notice will also contain any other Information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Haaarduus Substances oil or al the Property. Borrower shall not do. nor allow anyone also to do, anything affecting the Propirdy(hal is in ewlabun of mry Envirmunmeal Law. The preceding two sentences shall not apply to the presence,use, or storage on the Property of small qu.uaNes of Hazardous Substancus that are generally recognized to be appropriate to normal residential uses and to maintenance of (he Plnpeny Btmowur shall promptly give Lender wader, notice for any evestigalen,claim, demand, laws for othoracaon by any governmental ur uUnalury agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has .aural knuwludgu. If Be[ awer learns, or is notified by any governmental or regulatory authority. that any removal or other remetliation of any Nu4alew5 SubstancU olleclmg the Propeny is necessary, Borrower shall promptly lake all necessary remedial action$ in accordance will Ow uurmicnlal Law A, used In fins paragraph 20.'Hazmdous Substances' are those substances dohned as toxic or hazardous substances I Euvnomnunlal Law antl the following substances. gasoline, kerosene, other Ilammable or toxic petroleum products. low pes(kklas and "glawl lus. vohdde seivmms, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Euvvunnenial Law' means federal laws and laws of the jurisdiction whore the Property is located that relate to health, salary or unvuomutuntalprotechun. 21. Aeeolorallon; Rom alize. Lender shall give notice to Borrower prior to acceleration following Borrowers breach of any cwunaal or agroemerd in,lhis Security Instrument (but not pilot to acceleration under paragraph 17 unless applicable law provides ulherwne), The notice stallsr�ocily: (a)the defaud,(b) the action required to Cute the default;(c) a date not less than 30clays from the dale Ibu notice is given to Bornsw�1//r, 4 which the default must be cured; and (it) that failure to cure the default on or before the dale specified In Iho nolico tiny result In accdje alwq of the sums secured by this Security InstmmonL foreclosure by luf ielal proceeding and sale of the 19operly The notice Shhi144a1'(wr;aeoml Borrower of the right to reeslate allot acceleration and the right to assert In the IorKlosure preceding the uomexlsiencor, adofa It or any other defense of Borrowerto acceleration and foreclosure Ilthedeleullenolcufedonor befele Ill. date specibud in f`omb(I ; med Lender, at Its option, may require imiate payment in full of all sums secured by this Scounty wurmn nunvlihoutlurthor dart antl rhaYY,,foreclose this Security instrument by judicial proceeding. Lender shall be entitled to collect all uxperses insured n1 puts uing Ihororner to' novIded in this paragraph 21,including, but not (trend to, reasonable aaornoys fees and costs ot the trllu OVidenCe 22. Release. Upuu paymenl of all sun rfsocured by this Socun(y Instrument, Lendershall release this Security Instrument. without chdrga to Burrower. Bonower shall palya yUhs; ulatlon costs. 23. Attornoys'Feos. As usedln'this ecunty l nstmme in and the Note, 'future oys'tees' shamnclude any allorneys'f"s awarded by an appullaw Court. 24. Rldere to lhfe Security hi anti If 5.bDor more riders are executed by Borrower and recorded together with this Security mstrwnen, the covenants and agreements of eac rich ryya, shall be incorporated Internal shall amend and supplement the covenantsand aquannonts of tills Socunty insuumonl as it Ihe'riE"I pc ltaga pan of this Security Instrument. (Check Applicable Box) n i-J Adjustable Rate Rider E,kateulmlucvemenl Relor Condominium Rider r, Graduated Payment Rider LJ �-J Quillen Hldur u J Other($)(specify SIGNING BELOW. Borrower accepts and agrees to the fermsn exucuted by Borrower and recorded with 0. Signed. sealed and deliv/ered m the presence of. W dross Signature1 1 1. LYj I Witness Print Name WC Witness Signature:.,;L_%_ Wilues$ Pant Nanlo Second Home Floor Rider 0 Planned Unit Development Hider contained in this Security Instrument and in any riders) Address: 4 STATE OF Florida l �� COUNTY OF _Collier - t I hereby Codify thal on this day, before me, an officer duly authorized In the state afotosa ,'it the county aforesaid to lake ucknowddgeniunls, personally appeared Armando Nseto i Noxu NSsto to ma Nnowhle UsPo sons) described in and who executed the fatagoing instrument and acknowledged before me that HE/ SHE/ THEY executed the relohthe purpose therein exprossud. WITNESS my hand and onwiat seal In the County and Slate aioresaad this October 31,2001. ry t ✓ -% C My Commission Expires. Nol Publics Signature ._te Nolarys Printed Name SEAL) J'"yn t` 141 III � i In 11tU yy N1,mqu.n r�. 9e DI k0a I ,i'Ilq � • 1 r u ":nI 1Y1 0 roan a Rite; 2969038 OR; 3022 PG; 1789 ROUIIIO R URBAN 1RTROVIRIRT RICORDID to the OTTICIAL WORDS of COLLIER COUNTY, IL IITIR Offics 041191200E it 0HOK DWIGRT I. BROCK. CLINK ATTR: BIRDT KLOPT AECOND MORTGAGE THIS SECOND MORTGAGE ('Socurlly Instrument') Is given on April 3, 2D02. Tho Second Mongagor Is: Alicia Avalon ('Borrower'). This Security Instrument is given to Collier County ('Lender'), which is organized and existing under the laws of the United Slates of America, and whose address is 3050 North Horseshoe Drive 4145, Naples, Florida 34104. bottowerowes Lmderthesumol rIrTZZN THOUSAND D011/r/(U.S.6 15,000.00).This,debtis evidenced by Borrowers Note dated the same dale as this security Instrument ('Second Mortgage'), which Provides for fnunthlypayments. Nth the lull debt. it not paid earlier, due and payable on /•la of DroDsitr reliance, or lose of honeaboad exemption, This Security Instrument seowes to Lender: (a) the repeymenl of the debt evidenced by the Note, with Interest, and all renewals, extensions and nodilallons; (b) the payment of all other sums, with Interest advanced undorporagroph 7 toptalectthe socurilyol the Security InsuumenC and (0) the performance of Borrowers covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower dose hereby second reengage, grant and convey to Lender the following described properly located In Co 11 i e r County Florida. i More padidus Plat Boo){3!! rolio66311b81' and which has the address: of (`P,opony Address'): TOGETHER WITH f royalties, mineral, oil and gas I Instrument shall also cover all as: Lot 4, Block 26, New Narkat Subdivision, as recorded in a 104 and 105, Public Records of Collier County, rlorida. and convey the Property and that the Property.5§ �IrtmictUnberec generally me title to the Property against all clan olindAm�ptind THIS SECURITY INSTRUMENT comblaasu�pnn0it rim co Judsdoloconstitute M COVENANTS. Bottom, adLehi UNIFORM erpiq e 1. Payment of Principal and Inlrut; Prepayments and Interest on the debt evidenced by the Note. ',f' 2. Taxes. The Mortgage, will pay all taxes, asses p'rrnhr Thereon. J/ The Mortgagor shall pay orcause tobe paid, as Ihason any kind whatsoever which may at any any time be lawfully assassin charges, including'servlce charges', Incurred or Imposed for the Property, and (3) all assessments or other governmental chart Mortgagor shall be obligated under the Mortgage to pay or cause of the Modernize. and shall, momotiv after the peYment of any of Interest due; and. to principal due; and last, to any late chargel 4. Charges; Lions, Borrower shall pay all taxes, ass may after, priority over this Security Instumenl, and leasehold all notices of amounts to be paid under this paragraph, and all Borrower shall promptly discharge any lien which has the payment of the oblignUon snouted by the lien In a manner at enforcement of the Iron In, legal procendlrga which In the Lend the holler of the Ilan an agreement sallsfactory to Lender cube OBLD 1500.00 St OBIT 15000.00 a 3414E RIC tit 15.00 DOC•,35 12.50 at elected on the property, and all easements, lights, appurtenances, rents, stock and all fixtures now or hereafter apart of the properly. The Security I the foregoing Is retorted to in this Security Instrument as the'Property'. sized of the estate hereby conveyed and has the right to mortgage, grant , except for encumbrances of record. Burrower warrants and will defend i, subject to any encumbrances of record. tenants for national use and non•uniformcovenants wire limited variation by due as follows 4s, Borrower Mail promptly pay when due the principal of or wale, tabs prior to the=war of any penalties or interest become due, (A)(1) all taxes and governmental charges of Inst or with respect to the Property, (2) all utility and other tons me, use, occupancy, upkeep and Improvement of the wlully be paid In Installments over a period of years, the kh Installments as are requirecitobe paid during the lean orJr rd to Mortgagee evldome of such payment. si all Payments received by Lender "I be appled; fiat, to I of the Property Is subject to a Ilan, which may attain priority over the Security instrument; him. Borrower shall "Italy the Ilan or take one or mote of the actions set forth above wi es Sonower.(a) agrees lnwrong to faith the lien by, or Wench agnrel dent of the Men: or (0) secures from ent. if Lender determines that any N give Borrower a nitre Identifying a of the giving of police. 5, Hazard r Prop trey Insuranq. Borrower shall keep the Improvements now enanrg qr nereaner eremeu on me rropeny Insured against loss by lire, hazards Included wlihln the lam 'extended coverage' and any olherNHRatds Including floods or flooding, lot whkh Lender requires Insurance. This Insurance shall be maintained In the amounts and for �tn�'pell1 t(hhat Lender requires. The Insurance carrier providing the Insurance shall be chosen by Borrower subject to Lenders epproveLwhrSh hall not be unreasonably withheld. II Borrower tells to maintain coverage described above. Lender may, at Lenders option, obtaincovefddpgnew protect Lenders rights In the Property In accordance with paragraph 7. At all llmes that the Note is outstanding, the Mortgagor shall rraalnoliifxwenco with respect to the Premises against such risks and for such amounts as are customarily insured against and pay, as the ma bacon due and payable, all premiums In respect thereto. Including, but not limited to, aitdsk insurance protecting the interests of the Mortgagor and Mortgagee against lose or damage to the Premises by fire, lightning, and other casualties customarly Insured against (Including boiler explosion, if appropriate), with a uniform standard extended coverage endorsement. Including debra removal coverage. Such Insurance at all Umes to be In an amount not lose than the full replacement Cost of the Protein as, exclusive of feelings and foundations. All Insurance policies and renewals shall be acceptable to Lender end! shall Include a standard mortgage douse. Loodorshailhave the night to hold the policies and renewals. II Lender requires, Botrowor shall promptly give to Lender all receipts of paid premiums and rena"Inotices. In the event of loss, Borrower shell give prow! notice to the Insurance carder and Lender, Londermaymake Proofolloss If not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, Insolence proceeds shall be appled to mslaabon or repair of the prop" damaged. If the restoration or repair In economically feasible and Lenders security Is pal lessened. It the restoration or repair is not economically feasible or Lenders security would be lessened, the Insurance proceeds shall be applied to the some secured by the Security Instrument, whether or not then due, with any exCeBs paid to borrower. II Borrower abandons the Properly, or does net answer within 30 days a notion from Lender that the Insurance carrier has offered to settle a claim, then Lender may collect the Insurance proceeds. Lender may use the proceeds to repair or restore the Props rty or to pay sums secutod by this Security Instfumml, whether or not Uen due. The 30- day period will begin when the notice Is =tied. Unless Lender and Borrower otherwise agree In writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments returned to In paragraph 1 or charge the amount of the payments. If under paragraph 21 the Property Is acquired by Lender. Borrowers right to any Insurance policies and proceeds resulting from damage to the Property Pea to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument mxnetkately prior to the acquisition. • R; 3022 PG; 1790 rom e e. occupancy, Fir intimation, Maintenance and Protection of the Property: Borrower's Lan Applicalen, Luasholds. Borrower shell occupy, establish, and use the Property as Borrowers principal residence within sixty days after the execution of this Secunty Instrument and shall continue to occupy the Propery as Iorowers principal residence for at least one year alter the date of occupancy. unless Lender otherwise agrees In writing, which consent shall not be unreasonably withhold, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destroy, damage or Impair the Property, allows the Property to deteriorate, or commit waste on the Property Borrower shall be in default it any lodeiture action or proceeding, whether civil or criminal, is begun that in Lenders good fell judgment could result in jodeiture of the Plopedy or otherwise materially impair the lien created by this Security Instrument or Lenders security Interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, bycausing the action or proceeding to be dismissed with a ruling (hat, In Lenders good faith determination, precludes fodellure of the Borrowers Interest in the Property or other material Impairment of the llen created by this Securty Instrument or lenders wanly Interest. Borrower shall also been default it Borrower, during the loan application process, gave materially false or Inaccurate Information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including. but not limited to, representations concerning Borrowers Occupancy of the Property as a principal residence, If this Security Instrument is on a leasehold. Borrower shall comply with all the provision of the lease. if Borrower acquires lea title to the PropeM• the leasehold and the In title shall not merge unless Lender agrees to the merger in writing. T. Protection of lender's Rights In the Property. ll Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may signillcanlly allecl Lenders rights In the Property (such as a proceeding in bankruptcy. probate. for condemnation or forfeiture or to enforce laws or regulations), then Lander maydo and pay for whatever is necessary to project the value of the Property and Lenders rights In the Property. Lender's actions may Include paying any sums secured by a lien, which has priority over this Security Instrumenl, appearing In court, paying reasonable attorneys' lees and entering on the Property to make ropals, Although Lender rn9yY take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by lender under this paragraph 7ahell bbcolpe additional debt of Borrower secured by this Security instrument. Unless Borrower and Lender agiwto other termsofpayment, lliet?�errrd(z ashall bear interest from the date of disbursement at the Note rate and shelf be payable, with interest. upon notko from Londer to Do,( : feQuesling payment. S. Morigager Ideb�a.col. It Lender requI ad mortgage Insurance as a condition of making the ban secured by this Security inummenl, Borrower shell (fay Iho remlume requlrod to maintain the mortgage Insurance in effect If, lot any reason. Ins mortgage ineunmco coverage requirbd-by, tlnrIjapses or ceases to be in olloct. Follower shall pay the premiums required to obtain coverage substantially equivalent to the mopga e,{nsuranco previously In affect. at a cost substantially equivalent to the cost to Borrower 011he mortgage Insurance previously in ,op BAiom an alternate mortgage Insurer approved by Lender. It substantially equivalent mortgage insurance coverage Is not available Borrower shall pay to Lenderoath month a sum equal to onedweifth of the yearly nortgago insurance premium being paid by Borrower when the. Insurance coverage lapsed or ceased to be in elect. Lendw will accept, use and retain these payments as a loss reserve In lieu of rtiodQeg nsurance, Loss reserve payments myna longer be required, alpha option of Lender, it mortgage insurance coverage (In the erneUn antl for the period that Lander requires) provided by an Insurer approved by Lender again becomes available and is obtained. Bong r shallpay the premiums required to maintain mortgage insurance in effect, or to provide a toss reserve, until the requirement for mortgap Insurea10 , nos In accordance win any mitten agreement between Borrower and Lender or applicable law. 1 ? { 9. Inspected, Lender or Its agent el( m_ keyreasonable entries upon and Inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection apsCli)"no reasonable cause for the Inspection. 10. Condemnation. The proceeds of Say bWajd or claim for damages. direct or consequential, In connection with any condemnation or other taking of any pan of the Pfolyptty: w orcynvoyance in lieu of condemnation, are hereby assigned and shall be paid to Lander. In the event of a total taking of the Property, thpbfopee, hall be applied to the sumo secured by this whether or not than due, with any excess paid to Borrower. ImipdeVabi pt,a partial taking of the Property, in which the lair market value of the Property Immediately before the taking Is equal to or greatera the,�mount of the sums secular] by this Security Instrument immediately before the taking, unless Borrower and Lenderotherwise Sol,ln win Ng, the sums secured bythis Security fnstrumenl shall be reduced by the amount of the proceeds multiplied by the following Ireclionaeirtligiotsl amount of the sums secured Immediately before the taking, divided by the lair market value of the Property Immediately lore hsflaking. Any balance shall be paid to Borrower. In the avant of partial taking of the Property In which the fair market value of the Plgp9rtyl h1orindely before the taking Is lass than gw amount of the sums socured6nratll9lely for ins leklnp.unless Borrower and lender of o aA p(lgein wrilingw unless applicable law otherwise provides, the proceeds shell be applied to the same secured by this Security Id' �mrile. tab Iher or not the sums are then due. Unless Lendor and Borrower olherMse agree In writing, any application of proceeds to pgnclyy8(, hb I not extend or postpone the due dale of the monthly payments referred to In paragraphs t or change the amount of each pey,ill 1,,\ ansbn of the lime for, payment w modification of 11. Borrower Not Released, Forbearance 8y lender Not i -Exl amortization of the some secured by this Security lnshumenloraided by Lendeft an p pcessor In interest of Borrower shall noloperate to release the liability of the original Borrower or Borrowers successors In micro f I. ,.afiUSA hall not be required to commence pioceodings against any successor In interest or refuse to extend time forpayment or otherwise Mud emonizallon of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borroweis,atu Cespole in Interest, Any forbearance by Lender In exercising any fight or remedy shall not be a waiver of or preclude the exercise of any right 6, r tnedy. 19. Succesecn and Assigns Bound; Joint sod 8awrat Liability; C04Igr�T a ovenants and agreements olth"ecurily Instrument shall bind and behalf the successors and assigns of Lender and Borrower; s bjgci the Provisions of paragraph 17. Schemes covenants and agreements shall be joint and severhl: ny rower who co-signs this Security Instrument but tlas not execute the Note; (a) Is co-signing this Security Instrument only lo'rrj6rtgq grant and convey that Borrowers Interest In the Property under the term of this Security Instrument;(b) Is not personally Obligated rid. _ the sums secured by this Security instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, I at �F make any accommodations with regard to the terms of this Security Instrument or the Note without that BOdOMes consent. I ,: 19. Loan Charges. If the loan secured by (his Security Inslmmant Is subject toalaw which 6ei9� a um ban charges, and that law is finally Interpreted so that the Interest or other loan charges collected or to be collected In connecton win keen exceed the permitted limits, than: (a) any such loan charge Shall be reduced by the amount necessary to reduce the chugs to gio,DetmNloA lmtlL and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender iiiSSy choose to make this refund by reducing the principal owed under the Norio or by making a direct payment to Borrower. It a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14, Nolbes. Any notice to Borrower provided for In this Security lnstrumenl shall be given by detivering it or by melting 11 by first class mail unless applicable law required use of another method. The notice shall be directed to the Property Address or anyother address Borrower designates by notice to Lender. Any notice to Londer shall be given to Borrower or Lender when given as provided in this paragraph. 16. governing Low; 8everablllty, This Security Instrument shell be governed by federal law and the law o1 the jurisdiction In which the Property Is located. In the event that any provision or clause of this Security Instrument w the Note contacts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect wilhoul the conlicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. IS. sorcovwers Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 11. TraitsfwolthepmpoMMABsallolelinlereetln Bwrower. If all oranypartol the Propeny or anyinteresl In Ills soldor Iranslerred (or If a beneficial Interest In Borrower Is sold or transferred and Borower Is not a natural person) wilhout Lenders prior woitten consent. Lender may, at its option, require Immediate payment in full of all sumo secured by this Security Instrument. However, this option $hall not be exercised by Lender If exercise Is prohibited by federal law as of the date of this Secunty Instrument. Il Lender exercised this option, Londer shall give Borrower notice of acceleration. The notice shalt provide a period of not less than 90 days from the data the notice is delivered smelted within which Borrower must pay all sums secured by this Socudlylnstrumenl, dBorrowarfalls to pay these sums prior to the expiration of this period, Lender may Invoke any remedies permitted by this Security ImOumenl without luriller notice or demand on Borrower. 10. Borrower's Right to Reinstate, it Borrower meets coriam conditions, Borrowar shall have the right to have enforcement of this Security Instument dlsconllnued at any time prior to the earlier of : (a) $ days (or such other period as applicable law may specify Ire reinstatement) before Saks of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Secudly instrument. Those conditions are that Borrower: (a) pays Lender all some which thenwould be on under this Security ..k,ed. WP row 0 **" OR: 3022 PG: 1791 *** Instrument and the Note as 11 no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays as expenses Incurred In enforcing this Security Instrument, Including, but not limited to, reasonable attorneys lees; and (d) takes such action as Lender may reasonably require to assure that the Ilan of this Security Instrument, Lenders rights In the Property and Borrowers obligation to pay the sums secured by this Secunly Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully allechve as ll no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17, 19, Bale of Not*; Chang* of Loon Servlear. The Note or a partial interest in the Note (togelhorwilh this Security Instrument) may be sold one or more time without prior notice to Borrower. A sale may result In a change In the entity (known as the 'Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. There also may N one or more changes of the Loan Servicer unrelated to a sale of the Note. It there Is a change of the Loan Servkor, Borrower will be given written notice of the change In accordance with paragraph 14 and applicable law. The notice will slate the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other Information required byappik:able law. 20, Hazardous Substation. Borrower shall not cause or permit the presence, use, disposal. storage, or release of any Hazardous Substanceson or lnthe Property. Borrower shall not do, not allow anyone else to do, anything adecting the Property that is in violation of any Environmental Law. 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 rasklential uses and to maintenance of the Property. Borrower shall promptly give Lander written notice for 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 aclual knowledge. If Borrower layo{its, or Is notified by any governmental or regulatory authority. that any removal or other remediation of any Hazardous Substanceleg11n41he Property is necessary, Borrower shall prornplly take all necessary remedial actions In accordance win Environmental Law:, ffff // As used In this paragraph (Y,`Ha{erdouS Substances' are those substances defined as toxic or hazardous substances by Environmental Lew and the 1011Owing aU apLas:' asollno.kerosene, other flammable or toxic petroleum products, lobc pesticides and herbicides. volatile solvents. (nalellsls Cbntalplttg Babe IQs or formaldehyde, antl radloactivemateriah As dsgdin sparagraph20.'Environmental Law' means federal laws and laws of the junsific where the Property Is located that retailer to health; safety y�riwronmanlal protection. 21. Accolerstbn; RMUtlI*iAender shall give notice to Borrower prior to acceleration following Sonnowers breach of any covenant or agreement In IMe 6cunty Instrument (but not prior to acceleration under paragraph 17 union applicable law provides otherwise). The notice shall speclly. (mLthe del palb(b) the action required to cure the delaull;(0) a data, not less hen 30 days from the data the notice Is given to Borrower, by whkh,lhp'ildlaoil must be cutedl and (d) that failure to cure the default on or before the data specified in the notice may result In acceleration of Its tins secured by this Security Instrument, forec osuie by judicial proceading and sale of the Property. The notice shall lunhor Inlormorrow'e(,Of the fight to reinstate after acceleration and the right to assert In the toteclosure proceeding the non-existence of a default or anyohe( elense of Borrower to accelerellon said loredosuro. lithedelauflisnotcuredonor before the date spebllied In the notbe, LendBn l its, o lion, may require, Immediate payment in lull of all sums secured by this Socially Instrument without further demand and maylo(dblose le�wuritylnstrumenlbyjudicialpr%oeding. Lender shall be entitled to collect all expenses Incurred In pursuing the remedies pf6wddd In this paragraph 21, Including, but not limited to, reasonable asomeys fees and costs Of he title evidence.`, 22. Rates". Uponpaymentofailsumo sac re by Ihlp Security InaWmenl, Lender shall release this Security Instrument, wihout charge, to Scribner. Donower shall pay any rocorddllbn gp6s. ", AHomays'Foos, As used In this SecuntyinelN*Atgnd the Note,'aflomeys' fees'shall Include anyattomeys'tines awarded by an appellate count rr/ 2/. RMarato this eoourdy lnovumonl. If Ono more rider; are executed by Borrower and rac0rtled together Win his SecurityInstrument, the covenants and agreements of each ouch rldeyah Ibehcbmorated into and shall amend and supplement mabovenams and agreements of this Security Instrument as It the door($) were a part 01' is' ecudty Instrument. (Chock Applicable Sox) Adjustable Hate Older MO nl Rider El Condominium Rider Graduated Payment Rider ❑ 1.4 Fam�flyt'ildar',` Second Home Rider Balloon Rider Biweekly P9y7b;n kgaf 0 Planned Una Development Rider Other($)(specify SIGNING BELOW, Borrower accepts and agrees to the terms en executed by Borrower and recorded with It. Signed, sealed and delivered In the presence ul: Witness Signature:_ iLLA&,, Whness Print Name: Witness Signature: -- Witness Print Name: li74`11 fi ti " / ��___ I covenantd'lcoms4d In this Security Instrument and In any sclar(s) STATE OF_Flodds_ COUNTY OF_Colllar__ I hereby coudy that on this day, before me, an officer duty authorized In the state aforesaid and In the county aforesaid to take acknowfodgements. personally appeared Alicia Avalon to me known to be to person(*) described in and who executed he foregoing Instrument and acknowledged before me, that HE/ SHE/ THEY executed the some forma purpose therein expressed. WITNESS my hand and officials at In the County and Stale aforesaid this April 3, 2002. r � My Commission Expires: ti r Note n lure _i7 4A_— Nolarys Print (SEAL) tsAll'11. BOIA10 W "'a" 'a lyll 6 le. rowan 111'w*roY rar•-I I aid r 0. ..w,ed.wp r� roan o SECOND 11ORTti)Lf4E THIS SECOND MORTGAGE 'Security Instrument') Is given on May 22,2002. The Second Mortgagor is: w8 Maria ortia, a single arassan p ('Borrower'). This Securllyinsbumenl is given to Collier County ('Lender'), which is organized and existing under the lama[ the United Slates at America, and whose address is 3050 North Horseshoe Drive 0275, Naples, ^� Florida 34104. Borrowerowes Lendorthesumot fifteen Thousand dollara(U.S.6 15,000.00). This, deMle g evidenced by Borrowers Note dated MG same cele 63 thus Security lnetnrnent ('SOWN kbdgage'), which provides famonMNpaymonts, withthe full debt, H notpsd eager, due and payable on sale of Pronertf, refinance, or 1064 of tL rBt"d essssmtion. This Secudty Instrument secures to Lender. (a) the repayment of the debt evidenced by the Nee, with Int mr 1, and all renewals, extensions and modifications; (b) the payment of all otorsurns, with Interest advanced under paragraph 7 to protect re secudtyol the SocurltfInstrument; and (a) the pedomnaace of Borrower's covenants and agreements under this Security Insbumeniand me Note. For = L" this purpose, Borrower does hereby second mortgage, grant antl convey to Lender the following described plopedylocated in Col l ier Pg County, Florida. More parmulaitydescibed a // Lot 1T, 113ook s, Joyca Park, as reoorded in the Public ikwords of Collier Covatyfldr which has the address olat. rolio662660960001 4 v—+ , = W ('Properly Addreai'h.207 .ec° St. O _ InOokelee, Florida 34142 uA TOGETHER WITH all thrImppr0Vemenle newer INOM111040aaced an fall property, end All easements, rights. eppurtenemes, rems.78 W royaPlee, mineral, oil and gas rights and profits, for rights and sock and all fixtures nowor hereafter a pert of the property. The Security Instrument shell also cover all replacediePgaq adalrons. All at the foregoing is relerred to In this Security Instrument as tha'Properfy. BORROWER COVENANTS tkdt- over is lawfully seized of the estate hereby conveyed and has the rpm a"age, mage,grant$ ev and convey the Popery and that the Props is imencumbered, except fa encunYxancea of record. Borrower warrants end will defend A 8 -V gelerally on Bike to that, Properly against all Chime ad demands, euWsa to any orenfl renaes of record. THIS SECURITY INSTRUMENT combl u amcovensmalanstlaialuseeM non miHomncovenents withkrnnedvadatlon by C. o lurisdeflon to constitute a uniform security Intl t wiltpg reel properly. 8 UNIFORM COVENANTS, Borrower a erode pa�enant and agree As [Allows: au t. Payment of Prkcipel and Interval; Pt$O% faCtsM Late Charges. Borrower shell promptlypay when due to principal of rn and Interest on the debt evidenced by the Note.\`b1 ~ 2.Tares. The Mortgagor will pay all taxes, aaaee%smvAnb) sewer rents armlerretes pdaro the acastiof anypenassesa interest r thereon. .•'.� The Mortgagor shell payorcauso to be pail, as the pie(S, , tybecomeduo,(A)(f)altaxesandgovemmenialoM ■■ p m any fund whatsoever which may at any time be lewiuky, edasapeiL6 le against a with respect ro the Property, (2) all utility ens the cheryet,lrcludng'aetvice cherpee', Incurred or imposed forth opera tnalnlenence, use, occupancy, upkeep and later rent Properly, and (3) all aetesemenLa or Misr g0wemm6llbl Chege,9A& rrppaay�awfulty be paid in ImIallments ova a period a years, the Mongapor shell be obligated under the Mod" to pay orcaw$ to be peldoNyseuucdna otWknenLa m ate regaredrobepald dsatgme lens M N of the Mortgage, and then, prongy A ter the payment a Myd tle (oreudfrp JL(wem to Mortgagee evidence of such payment. e 2. AppNostionof Payments. Unless AW10010 law provkk:,I�oM�h ',' peymanb iacaNedbyLeMesheN be appllad:IM,fOe Interest due; and, to principal due; and lest, to any lets merges due u le. o o = 4. Cheryeal Llens. Borrower shall pay all taxes, eeaaseniente, clrerga na and Impositions attributable to the Property, Mich may e0aln prbnfrover this Security Instrument, and lemehoid psyrotots a gnqund to, Ifeny. Borrower shall prompWumish to lender all notices of amounts o be paid tracer this paragraph, and all receipts avMeMNng Ina , yments. Sarow*r"lpromptlydbcharyeanylNnwhkhhaepdodlyowrmisSaco nalrumadunleas Bortoxer: (e)agreas inwngngro tlw paymentollM obligation secured leythe Men in s fnenner accegebb ro lends; 01whista in good faith to Ilen by, a did eras against anforoemant of the ben In. legal oroceednas which In the Lenders opinion operate opresent the Woccementof that Ilan; of (c)secures from the holder of the Ilan an agreement satisfactory to Lancer subordinating the Iron to this SdoupryJAStrUMnl. If Lender da urnines that any put of the Pm"rly is sublecd to a lkn,whkh may stela Pdodtyoverthe Security lmInfir ender gave Bamwea rotes identifying the Ilan. Borrower Moll saday the Ilan a Lake one a more of tho actions set tam above vMhtrrl0 ye of tie giving of notice. 5, Haski or Property 1Murfer". Borrower shall keep the Improvements now eHatlnyhereafter erected oe Ina Property Insured agenet lose by Pre, tuzards Included within tic term'extended eoirs"'and any ot)ier-n �nduNng Hsotls a(loading, for which Lander requires Insurance. This Insurance shall be maintained In the &mounts end 101:94 ��esIts the Lencer requires. me Inaurance carder providing the Insurance Mall be chosen by Borrower subbed to Lenders appioval; shag not be unreasonably whhheid, Il Borrower fells to maintain coverage cleecr2led above, Lender may, at L~5 option, oblIra to pmlectLenders rights In he Property In accdMancewM paragraph 7. At all tlmM that ffa Note Is outs leMkp, the Mortgage stiegmelnlatn rasurance with respect to the Pernises against such rtska and for such amounts as s i custanartyInsured all and pay, as sems become due AMpayeaa, erg premium$ In respect thereto, Including, but not limited to, all-dak Insistence protecting the Interests of tee Mortgagor and Mortgagee agarmi bee or damage to the Planlses by tire, lightning, end other casuatdee cusamadty insured agalnat (Including baler exitosion, it appmpdate), with a unifonmetanW&rd extended coverage enfaaana t kidudn g deah removalcoverage. Such ansumnce at Ail limes to be In an amount not lase than the full replacement cost of the Premises, exclueive of f lotlnga and foundations. All Insurance pdblas And nenewab Mall be acceptable to Lenderandshaa in cludea startled mortgage clause. LorKW$MllhaW the dght to hatl the policies and ronewals. It'_endor roqulroe, Borrower Mall pnoptiy give to Lender all receipts of paid premiums Awl renewminotcea In the event at lee, Borrowershallgare prompinotice to tee insurance cartkarand Leader. Lendermaymekepoaabss If not made pronpty by Borrower. Unless Lander and 0omower otherwise agree In wmlng, Insurance proceeds sha the applied to restoration or repair of the Property, dannagod H ths r&eloreton or repair la economlcalty ieaeiDle and LeMere aecuriN b rot le6a6nrod. 11 tier restaallen a repair Is riot economkelyiesei0le a Lancers security wnuid be lestene4the Insurance proceeds Mein ha applied tote sums secured bythe Ssarky Instumwnl, whetter a nor then due, rdth any uaxee peg to Borrower. II Bomovrer a0enitlorie the Properly, a does not answer within 30 daysaiaoticefromLentlerthalthelnaVrMceCamierheeoteredto�ettl�eclalm,menLsndemeycalecllhainsurerceproceeds, Cantle they wa Ins pnocaede to repairer reefare tlae Prepertyaro peyeuma &scored Dygba Secwiry Instuaoerd,wtaetlnea ndtliaridue. lyo3P day period w1N begin whin tM notice Is mailed. Unless Lando end Baraxu otlierMsa apse In writrp, any epptcaton of proceeds ro piker Msll not edend a pagans tic dux dab of tM monthty paymenq ralared o o Wr&G&ph I a ctwpa tlo amount al tto psymenb. II unktperepeph 21 tier Properly Is acquired by Lender, Borrovere right ro anY kiaurenioe poldBs eMproceeds raeukaphan tlemege ro the Properly pdOrto the ecqul&Itlon snail pees to Leiden to Uie edanld tee aurae seared bymis Seadlylnshumanl Inar,edialety prior to the wituleton. 6. Occupancy, Preservation, Ma$ibn ism end Protection W the Property; Bomames Lout Applical Leaaerolds. 1 . Qd.wp roan o Borrower shall occupy, eatahltsh, and use the Property as Borrowers principal residence within sixty days after the execution of this Security Instrument and shall cominue to occupy the Property as Borrowers 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 Borrowers control. Borrower shall not destroy, damage or Impair the Property, allows the Property to deteriorate, or commit waste on the Property. Borrower shall be in default It any forfeiture action or proceeding, whether civil or criminal, is begun that in Lenders good faith Judgment could result or lorfr Lure of the Property or otherwise instability Impair the lien created by this Security Inslmment or Landers seoudty Interest. Bottom( may cure such a default and minslate, as provided In paragraph 18, bycausing the action or proceeding to be dismissed with a ruling that, In Lenders good faith delermination, precludes forfeiture of the Bonrowers interest in the Property or other material Impairment of the lien created by this Security Instrument or Lenders security interest. Borrower shall also be In default 11 Borrower, during the loan application process, gave malerally false or inaccurate Information or statements to lender (or failed to with all agrees repairs. this pan terms 0! notice h g Borrowers oocupancyol the Property as a princlpal residence. If this Sectary Inslmment ison leasehold, Borrowershail comply I provision of the lease. If Borrower acquires too title to the Property, the leasehold and the lee idle shall not merge unless Lender the merger In willing. T. Protection of Londera Bights In the Property. It Sorrower fails to perform the covenants and agreements contained in this nauumenl, or there Is a legal proceeding that may slgnllcantiy affect Lenders rights In the Property (such as a proceeding in y, probate, for condemnation or forfeiture or to enforce laws or regulations), than Lender may do and pay lot whatever Is necessary the value of the Property and Lenders rights in the Property. Lenders actions may include paying any sums Secured by a lien, poorly over this Security Instrument, appealing In court, paying reasonable aaomeys' fees and entering on the Property to make Jthough Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under mph 7 shall become additional debt of Borrower socumdbythis Security Instrument. Unless Borrower and Lender agree to other symen6 these amotyls shall bear interest from the dale of disbursement at the Note rate and shell be payable, with interest, upon )sting payment. 6. Mortgagw(hinlnpa. If Lender required mortgage Insurance as a condition of making the loan secured by this Secunly Instrument, Borrower shellyy6y the_premlums required to maintain the mortgage Insurance in affect. II, for any reason, the mortgage Insurance coverage off adgyLonber lapses or causes to be in effect, Borrower shall pay the premlums required to obtain coverage substantially equivalent to Ih .nwng.g@ Insurance previously In effect, at a cost substantially equivalent to IN cost to Renewer of the mortgage Insurance previour lyjp.ee'1lfect;4rom an alternate mortgage Insurer approved by Lender. If substantially equivalent mortgage Insurance coverage Is not avallabla, 8gnOwpf shag pay to Lender each month a sum equal to onedwelith of the yearly mortgage insurance premium being paid by Borrower vfantti Insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve In Ileu of mortgagelinsurence. Loss reserve payments may no longer be required, at the option of Lender, if mortgage Insurance coverage (In the amount a for the period that Lender requires) provided by an Insurer approved by lender again becomes available and is obtelne0. Bdlydw%ry4bell pay the premiums required to maintain mortgage insurance in effect, or to ofONde a loss reserve, until the requirement for mortgage plsurance ends In accordance Will any whose agreement beMemn Borrower and Lender or applicable law. 0. Inspection. Lender or It Borrower notice at the time of or poor e to. Condemnation. The I condemnation or other taking of any par Lentler. In the event of a total taking of I or not then due. with env excess told to Borrower. Is must to or panel taking of the Property in which the fair market value of the F secured Immediately for the taking, unless Borrower and Lender< proceeds shall be applied to the sums secured by this Security Borrower olhernies agree In writing, any application of proceed payments referred to In paragraphs I or, change the amount of a 11. Borrower Not Released, Forbeesona By Laed amortization of the sums secured bythts Security Instrument gmn release the liability of the original Borrower or Borrowers suttee against anysucceeaor in Interest or refuse to extend time for payn Instrument by reason of any demand made by the original Bono exercising any right or remedy shall not be a waiver of w pr scluc 12. eu"mawn and Aulgna Bound; Joint and Sow Instrument shell bind and beneld the successors and assigns of L covenants and agreements shall be joint and Several. Any Bomn, to co•algning hits Security Instrument only to mortgage, grant an Security Instrument (b) Is not personalty obligated to pay the sum other Borrower may agree to extend, modify, forbear or make any Note without that Borrowers consent. la. Loan Charm". If the loan Secured by this Security this entries upon and inspections of the Property. Lender shall give Iesonable cause for the inspection, claim for damages, direct or consequential, in connection win any eyance in Ileu of condemnation, am hembyassigned andshas be pail to hall be applied to the sums secured bythis Security Inshulnenl, whether f a partial taking of the Property, In which the fair market value of the is amount of the sums secured by this Security Instrument Immediately illllty the sums secured by this Security Instrument shall be reduced by l.thp,total amount of the sums secured Immediately before the taking, are Ili tsrking. Any balance shall be paid to Borrower. In the event of 1paifyioi"hoelybefore the baking is less than the amountol thescare rerepp a in writing Or unless applicable law otherwise provides, the ist(�ig �me1N Cher Or not the sums am then due. Unless Lender and top Ijbill sriall not extend or postpone the due data of the monthly ' Not a Ivey E7panion of the time for payment or modification of d Oylende In,abccessor In internal of Borrower shall not operate to usinlntere�l.�Ade hail not be required to commence proceedings nloromemiae mod' emomzallonofthesumss mdbymtsSe.udty or or B, "in Interest, Any lomeerence by Lender In the exercise of any pgh Of reedy. tl Lltlglly 7ba venants"ligreemontsoithissecunry tderend 8orrower,a td Provisions of paragraph 17. Borrowers r who co-sgns thts Sacu b 6 1but does not execute the Nor%(a) convey that Borrowers Intdre_ s_ t In he, Property under IN lens of this secured by this Security trial , I;96q(c)agrees9mILmiderandany alreadyc0116cted from BOrower which exceeded permitted ll8kie will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a duel payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment change under the Note. 14. Notfees, Any notice to Borrower provided for in this Security Instrument shall be given by delivering It or by mailing it by lirst class mail unless applicable law required use of another method. The notice shell be directed to the Property Address- or anyomer address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; 6evorabllty. Federal law and the low of the jurisdiction in which the Property is located shall govem this Security malrumant. In the event that any provielon or clause of this Security Instrumentor the Note conflicts with applicable law. such conflict shall not elect other provisions of this Security InaW mart or the Note which can be given ellectwithout the contacting provision, To this and the provisions of this Security Instrument and the Note are doctored to be severable. 16, BorrowN9 Copy, Borrower shall be given one conformed copy of the Note and of this Security Ins mment. 17. Trandar of the Properly or a Beneficial interest In Borrower. If all or anypart of the Propeoyor any Interest in it is sold or lrsneferred (or it a beneficial Interest In Borrower Is sold or transferred and Borrower is not a natural person) without lenders poor "non coneent, Lender may, at Its option, require Imnmtllale payment In lull of all sums secured by this Security Instrumein. However, Lender shall not exercise this option If federal law as of the date of this Security Instrument prohibits exercise. 11 Lender exercised this option, Lender shall give Borrower notice of acceleration. The Nice shall provido a period of not lase than 30 days from the dale the notice Is delivered or mallard within which Borrower must pay all sums secured by this Security Instrument. If Borrower falls to pay these sums poor to the el¢Iration of this period, Lender may Invoke any remedles permitted by this Security Instrument without further notice or demand on Borrower. «w,od.rry 18. Bomowsr'a Rightto Relnsbb. It Borrower meets certain condition, Borrower shall have the right to have enforcement of this Socur ty Instrument discontinued at any time prior to the eadler of: (a) 6 days (or such other period as applicable law may specify for ref islalemenq before sale of the Property pursuant to any power of sale contained in this Security instrument; or (b) entry of a judgment enforcing this Security instrument. Those conditions am that Borrower (a) pays Lender all sums which thenweuid be due Underthi"econty Instrument and the Note as It no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses Incurred In enforcing this Security Instrument, Including, but not limited to, reasonable abomeys lees; and (d) lakes such action as Lender may reasonably require to assure that the lien of this SecurityInstrument, Lenders rights in the Property and Borrowers obligation to paythe sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower. this Security Instrument and the obligations secured hereby shall remain fully effective as it no acceleration had occurred. However, this right to reinstate shall not apply In the case of acceleration under paragraph 17. 10. sale of Nob; Change of Leon Servitor. The Note ora partial intirmtIn Um Note (logelherwith this Security Instrument) may be sold one or more limes without prior notice to Borrower. A sale may result in a charge In the entity (know as the 'Loan Service,) that collects monthly payments due under the Note and this Security Instrument. There also may be one or more charges of the Leon Senicer unrelated to a sale of the Note. If there Is a change of the Loan Servicer, Borrower will be given vaitten notice of the change In accordance with paragraph 14 and applicable law. The notice will state the name and address of the new Leon Servker and the address to which payments should be made. The notice will also contain tiny other Information required by applicable law. 20. Haurdous Substances, Borrower shall not cause or permit bra presence, use, disposal, storage, or release of any Hazardous Substances on p(In the Property. Borrower shell not do, nor allow anyone also to do, anything alracling the Property that is in violation of any Environment Lew. The preceding two sentences shall not applylo the presence, use, or storage on the Property of small Conlflles of Hatardous�BbQ§tagcas that are generally recognlzad to be appropriate to normal residential uses and to maintenance of the Borrower shall promptly give-L ado MO n notice for any Investigation, claim, demand, lawsuit or other action by any governmental or regulaloryagencyorpn"mp nyinv Iwngthe Property and anYHazarcbus Substance or Environmental Low ofwhkm Borrower has actual knowledge. If Borrower teem nor, �,,*tmd by any governmental or regulalory authority, that any removal or other remalmalion of any Hazardous Substance f 11 ePrdpefty is necessary, Borrower shall prompWake all necessary remedial actions in accoldancevnm Envlronmenlat law. 6/ l As used In this paragraph 20,'Hez rdous Subslances'are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxicpestiddes and herbicides, velatire solvents, materials wrilalning aabeslWortorrn'eldehyde, and radioactive matedals. As used in this paragraph 20,'Environmental Law' wn means federal laand laws of me lurlsdkliyy( where the Property is located that relate to health, safety or environmental protection. 21. AlloeNratbn; Remedios: �', l der shall give notice to Borrower prior to acceleration following Borrowers breach of any covenant or apreefrrenl In fhb Security realm tM not prior to accelefagon under paragraph 17 unless applicable law provides otherwiu). The notice shallapedly.(e)thadela It; archon required to cure the defaulC(c)a dae.notlessthen 30daysfrommedale me notice laglven to Borrower, bywhich the deipul� atiured;and(d) malfallure to cure the deloulton or before the date specified in the notice may result In acceleration of the sums sacyyretl by.ihls Security Instrument, foreclosure by )udk:lal proceeding and sale of the Property. The notice shall further Inform Borrower dito reinstate after acceleration and the right to assed in the foreclosure preceding the non-existence of a default or any other 41oroe9P�orrower to acceleration and foreclosure, Ilthedofaultisnotcuredonor before me date specified In me notice, Lender, at ils bplion. May,//require Immediate payment In full of all sums secured by this security Instrument without further demand and may foreclose Wa'SBeppudry Ibslmmenl byjudRiel proceeding. Lendershall be entitled to collect all expenses Incurred in pursuing me remedies provided in this p ragrapli•21,Including, but not limited to, reasonable abomeys feesand=is of the We evidence. 22. ReMsss. Upon payment of all sums secured by Uth s, charge, to Borrower. Borrower shall pay any recordation costs. 23. Attorneys' Fees. As used In this Security Instmmen by an appellate court. 24. Rldsrs to this Security Instrument It one or morei Inslmmenl, the covenants and agreements of each such rider shell agreements of this Security Instrument as if the ddegs) were a pa, El Adjustable Rate Rider n LJ R 'agomeys'lees'she111ndu0eenyatiomeys'lees awarded N rn led DV Borrower and recordetl loaelher with this SecunN W amend and supplement the covenants and >t (Check Applicable Box) ae I—J Condominium Rider Graduated Payment Rider C1 1-4 Family Rider / ❑ Second Home Rider n Balloon Rider 11 Biweekly Payment Ride( t _ U Planned Unit Development Hider Omer(s) (specify.' \1 SIGNING BELOW, Borrower accepts and agrees to me terms and covenants contained in this agcw!y Instrument and in any nder(s) executed by Borrower and recorded with 11. Signed, sealed and delivered in the presence ol: Wtlneea SlpnaNre: _ SlgnaN Y [[,>A 6l r .['�/:.-S j�4 Bocrowbr Maria Ortiz Witness Print Name: _ *SlpneNre:'�— �� L-4y Borrower Wtlnoee Si0nalure: Witness Print Name: 51 w,n tt'k ✓-' Address: 207 N 8`h St. Immokalee, Florida 34142 STATE OF_Flodda_ COUNTY OF —Collier_ I hereby cerlf y that on this day, before me, an officer duly authorized In the stale aforesaid and In the county atoreseld to take acknowledgements, personally appeared Maria Ottis to me known to be the persons) described In and who executed the foregoing Instument and acknowledged before me that H SHE16EY executed the same for the purpose therein expressed. WITNESS my hand and official seal I I o County and Stale aforesaid this May 22, 2002. CAQ Mycommisslon Explicit: A L � - ,-- --p Notate �LNo'aary uD IpA SI na4 c`o yPo¢H�Commlcdona00071168 Notary's Printed Name ;fin. _ madw l (SEAL) '"'k(\ ` amuck Dondies ON I- .,w,ed.wp but 2957421 OR: 3009 PG; 0716 N1 ucobn 11 ter 0111clu "care of 00LL111 cm, IL Rau 01L1 15m,0 111N,N inwin01/ arms a 14/11/2112 a e11tL! n10fR 1. IM, cuu Ik nl 11.11 .osar o =1 KWI 000•,1s 12.11 69COND NORTOMIX THIS SECOND MORTGAGE 'Soeudty lnstrumnt') Is given on Match 20,2002. The Second MorligW is: Aa)ILIO It YOLAMA ELbNCO, fln9BI ND E Milt ('Borrower'). This Security lmlnxmnt IS giWn to Collier county (•Lender'), which 4 or"Al2 Band exbtlng under ON laws area United Slat" of America, and Miw"atlWesals 3050 North Horseshoe Drive 0275, Naples, Florida 34104. Bomowar gorse lender tlhe"mW Filtew ShMM&M Dollaro(U.9.9 15, 000.00). Thls,doblb syWonced by Bomowara NOW dated M gams coup "in%3tunry Imlrunwnt ('5ecOnd MMworgtpotippoo ), hNlkh provides for montluypeymwnb, With Mluk debt, If not pakl earNer,dW and peyeae on as off oroDelty n inaaae, or lees of hareteaA Ilion, This Security Insuum"1 Secures to Lender: (a) Ind repayn tom of the am evklenad by Ind Nob, with intsmR. and all rerlovnle, o)(bmiona and modfibatiau: (b) iM payment of ell other sums, with inbbef Advanced under{wa0raph 7 b Protect the "cwitya the SeeuMy Iminxmnl; and (a) roe perlormame of Borrowers covenants and agraenienb under this SAO^ MUUmntand the Nob. For this purpose, Borrower does horWy socond mortgage, pant and convey to Larder M foRIOVAgi described Property located In Coll i er Count ,Florlds. More pankulany deet�4fa I : ANe Habitat 1" Humanity Ph VI Lot a FOIWB125OD0459 and wAkh has the address of ('Property Address'):' ),1155 Immokalee Dr TOGETHER WITH U19ykrr{xcVemente now or he tkrerected on the property, and all m easeents, dghh, apWenvroee, mrke. royol", rnimmi, al andgaa nigh and Seib, water r*t$ end stock and an ILHurte now or hereafter a pad of the property. The Security Instrum int Mali also cover all replacrniorhts a additions. At of the foregoing ts referred to in tics Socunly Irwtruntenl se"'Propedy'. BORROWER COVENANTS. blower b jextuly aWted of the tbb hereby comtiYed and has M right b rmrtgege, grant and convey the Property end Mf M P b unencumbered, except for encumtkarlas a record. Borrower warrants aM will defend ilmo ally the 009 to the Prop" apakul a chums and demands, subject to any enpnnbiancos of record. THIS SECURITY INSTRUMEN Iwbo silgdonncovenantsfWm"ndeseandmnunWa covarw+nwMrNrebdvwWwby 1. Paymnt of Prilwlpal and lrljerssl P4pew4nt and Lame Ciargoo. BorMWWSMkaomptypaywhendwtlw Pfimipalof and Inbbat on the debt evkbnced by the Note l.� 2. Tox", The llodoloorwiXpayeil lsxes, to. Now rents orwaterMjeepnorbMaccnWdarryperwNles orhbrest nareon. `r` TMMonopaahoy pay Wau"toe1paid,etr6�i44�aa. M, viclNeybecorrwde,(pertto laxasand governngnW charges of any kind whtits"Yer which may W any tlm d bwludy d f "O"d or I Wed "lot a with rsepeci to Ind Property, id sic rover end other Mererty,ad(3) anenleacM woInther governmental coo , lawfully be oeWmpinty,upittpandniod of Yomdtlw Property, and ll b eN asatedmerm O oMr oowmm"W cXbrpe'e dw� d, lawman o pets t IMWNMnb Over a Period rkV the t the c4thoM shall,m obligated under yaMonoapefoPay aau"19 be.Wwgrey ouch kwlaenwnblsuoreWkodfobe frflldduring the term a M RIor3, Ap and M", Pronpay After AI pa ppi a stay of tlw.taeoolnb, lorwerd to Lbrt received ed by L a e each peym"1. 9. AppkoMbnWPayrmnd Unbampplbable low due A}e ea peymnb receivedWLsrxjeratWlbe appted;tkalb khjeftl tlus: and, to ; Lies al due: and teal, to any Isle charges due under rho, ia. tic Chr000)LbtS Barrowarshekpay dlax",aa"aamentai (lne►aM Nposm[Aftf Wubdetothe mlahto owhich nder rtwvadan odwXd over tits SaWWVlnsuwrwnt.aM l""hob alrrwnte aarou ��rfnb,tarcy. BonoNw olheY promptlylurrhbthblander M psymm 04M oblige don ascuredbyttIN ten in a mamw accept" to LerklaS(b) ngood falnM ken by. or defercb ageVrt enforcement of M lion n,snw proesedNoe Mgch nth L~s opinion operate to I* wknwnek a V%Am: or (c) sawas from M bolder and Ron an sit "Mril"Refectory toLmdef subordinating the ten to Spurt; low umm i. it Londer Mlonnines Ml any W of M Propsrtyb subbd to a kerb which my Man Priority Over the SecuMy lm : 0 mayglve8onoweramlkeldentying M ken. ecmowar &RAN selWy M Ron or take one or more a M action; Not forth Wove', �Lwitlklt o days a M giving a notice, 9. Hasard or Property Nouraee. Borvoww SW keep the krprotY rimts now or her"ther orecled on the Property Insured against lose byflre, haaMs Included wttlun M lerm'Axtended coverage' Arc ndirerq hoods or Iloodithp, la which Lender repkm InsursnCe. This Insurance shall be mnupined In 1M amounts and tlhi tltel Lendef requkes. TM naurana candor VMWV M krawanoe Mail be chosen by Borrower KMW b Land We'M�9� that not be unreasonably wlinsb. if Borrower law to maintain oo"rpe described above, Lender my, at Landeft option, obt�iri to Protect Lerdors dghb n the property In woordance with=&ph 7. Al all times Ml M Note Is outsturoft the MWlgig&NMM�tMwlaercawitn reepec9 to the Premisea&%&at such risks aMlW"ch amounts" am customariyimured&PkW klpey, w3-is Oocornadwandpay is. an premium In respod ttwrelo, Including, but not tinkled to, ae•dsk Imurarhee protecting M ktiomeb of tlheMollgapor and Modgag" apantl bee or dunego to M Proop s" by Ike, kghtift, and Wwr casualties catomatty Insured so4pet Itncludkq bokaf explosion, It app"Min an amount not ls" Mn thefull replecermM cat afore Pbmu", exclusive aote' cm�. Such et Insurance slat those lobo otlrpt end foundations. dalkr Aa Mltlrtirha pokdes aMrerwwWs that he acceptable b LendenM rhdl kblcdea standard morLTepe cdae. Lenderetwe heve M rot to held M f>ok* and tomwah. X Lander requires. Borrower Mork lgo ptir gins to Lender as receipts of paid premium and rwwwdnotiat. nMevenlab", Borroww ehak glw aWMlnoka io tw neurerwe csebreM LsrWer. Lenrlermyrmkoprodako; k not made promptly by Sorroww. Unkm Lender and Borrowrrogwrwi.e epee nwaling, insurance proceeds shed be Applied to re Wnsilon orrepolraM Property damped, If M undulation or rpak is 000rw caiy feasible and Lancers so nu y Is not loosened. k M mloratlon or repak Is not 000nWlkcalyloaWWe orl.mdWs seclktywoad be leased. M insurance Procaeda a00 be appaedto M rum Secured by M 89Wuky Imsurnom %t~ a tort den due, with any excess paid to Borrower. If Sonoww Warid r the Propwty, w does not Prewar wfthin SO or i cop" In wr11Np, any application of proceeds to W In paragraph i or change M amount a nd paywwas. it under parpreph 21 M Prop" Is ootfukedby Lander, Borrowers right to anykwurunco poaches andproaeds rseawp mm damage to M Propartyprorto M aoOWokbn Shall pass to Lander to fM exleda M sixn seared bytes Sec rkyMNnwM nvmdlawty Prior to M acpseitlon. A. OaupMby, PMWVWM, WNN rwioe and Projection of the Properly; Swrwmft Lodi AppYSNbn, L"Nholde. Somower shell comity, "I&WIsh, and use M Property as Borrowers principal reat within "days MW the oxtaabn of lVaSecWy ImWo ml and Shed contra to occupy M Prpery as Swones principal residence f W al let oe year atW the dab of occupancy. Wives Lender oOwwiw agrees in writing, which consent AM[ not be unreasonably withhold, W units eximuinIN circumstances exist which en boyWM Borrowers control. Bonowirr Mork not deWM damage or Impair M Properly, atones M Properly to debrbrsb. W commit was* on M Property. SWroww Mat be In default 0 tiny forfeiture Notion or proceedng, WAwgwr dull or criminal, Is begun that in Landers good Ishh judprtwM could result In lodokun of Ihe Properly W otherwise rMbrbly krpak M ken created by this SoeWly ...,ed.w OR: 3009 PG: 0717 Instnwmenl"��ndelaaecuriy inlaresl. Ronowernuycure Mucha default and reinstate, uprovlded inpvapraph 18,1oycausNthe action w proceeding to be dismbead with a ruling that, In LeMle/s 000d faith determination, precludes forfeiture of to Borrower's Interest In thhe Proper w other material inpalrmenl of the fbn created by thisSocurirylnelmrment or Lendals aecu*interest. Borrower shall also be In default H Bwow'er, during the ban application process, gave maledallylase of Irhaccurale informeeon or statements to lender (or tilled to provide Lender with any meledal Infor ill In conneckon with the ban ovkhowed by the Nde, Including. but rid lrNled to, repraeenatioa oweerning Bomowels occupancyof Me properly tie s pdmipat realdence. "this Security Inebumea Is on kaselald, Borrowershalicomply with all the provision of the loaee. It Borrower acquires in title to the Property, the leasehold and the fee this shall not merge unless Lender agrees to the merger In wriling. 7. Proaotlon of hander's Rlgha In to Property, 11 Borrower face to Perform MO covenants and agreements cmialned In this Security Instrument, or there Is a lapel proceeding that may significantly affect Lendele Nine in the Property (such es a proceeding in bankruptcy. probate, for corldertnalbn or fodelture or to enforce laws or regulallons), ton Lender maydo and pay forwhdever is necessary to protect the value of the Property and Lenders rights In the Property. Lenders &oil" may Incede paying any sumo secured by a Ilan, "" has pd"Hy over this Securitylnsuument. appearing in court, paying reasonable allorneys' fees and entering on the Property to make falcate. ARMO Lender may take action underthle laragreph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shell blconhs addiHaal debt of Borrower secured by this Socudlytauument. Udese Borrower and lender agree to other terms of payment. from, amounts shall bear interest Ifom the date of disbursement at the Note rate and Mall be payable, with Interest, upon notice from Lender to Borrower requesling payment. S. mortgage Insurance. If Lancer required mortgage Insurance as a condlbn of makkg thw ban secured by this Security Instumenl, Borrower shall pay Uo premiums required to maintain the mortgage insurance In el 11, for any Tenon, to mortgage Insurance coverage required by Lender apses or ceeen to be in elect. Sorower sag pay the premlurm required to obtain coverage subeantalty equivalent to,the morgage Insurance previously In elect, at a coal substantially equivalent to the cost to Borrower of the morigaga Ineurence previpu in elect, prom en eltomale mongage Insurer epprovred by Lander. N subsanaly equivalent rnodgege Insurance covere" 16.tdfeV il6 e, Bomowerehall prey to Lender eachrmenthaeum equd to or,e.aweMolldo ysedyrtartgagelawarwe premium being paid by 6 m r when Ile Insurance towrege speed"ceeaetl to ha In eHecl. Lender will eccepr, use and relaln Morse mmort la ale a loss rage' n Jleu,al.mwtpape Insurance. Lou reserve paymena may no bnper be requlretl, al Me opton of Lerhtler, II mot al Insurance covere tin the amount and I" Me period Met tender requlrea) provided by an Insurer approved Dy Lender again bacoMeev.IlaW no le otii@)netl., �hvareaHpeylhe premlumsrequired to malnleln malgepelawance In eHecl,abprovideabss reserve, unlll Me, requlfermenl I dace lawenee e"a In accordance wind any Ntllen egfeetnenl beMeen Borrower and Lender or Applicable law. g. Inspection. Lender Borrower notice at the firms, of "pd 10. Condemrtatlon. Tf cordemnallon or other taking of any Lendoc In the event of a total taking or not tan due, with any excess pl make reasonable enlrlas upon and Inspections of fire Property. Lender shall give n spedlying reasonable cause for the kspectlon. my award or claim for damages, direct " consequential, In connection with any Ity, a I" conveyance in hall of corkkmsbon, are hemorasagned and shard be padb he proceeds shall be applled to the sumo secured by thls Security Iatrlamen4 wheMef in the event of a partial taking of the Property, In which the fair market value of the rester than The amount of to sums secured by this Security Imtument Immediately before the taking, union Borrower and Lender otr ufnwrlun the amount of the proceeds multpled by to loiky Ir, (a) IN divided by (b) to lair market value of la Property I 1elybefore partial taking of the Property In which the fair markelval O1u P((ham secured Ifrvmeddsly for to taking, unless Sonower aridlenda(X0 proceeds shall be applied to to sums secured by this Sefurfly I3Vt Swower otherwise agree In writing, Any application of prodift, to paymena referred fo m paragraphs 1 orchange Ind amount o Suchpp 11. Borrow Not Ralal Forbsaranes ey Lenwor'Fk smorlulbn of Ho sumo secured by this Security InsWmenl panted b! rates" the lability of to original Borrower Of B"rowels secceuoryl against any successor In Interest "refuse to exlend tine for paymenl p Ineirumenl by Mason of any command made, by to original Borrower o exercising any right "anxdy shall not be a waiver ol a preclude the IatMm tMellbtnd Im t. amount of to sums secured Immediately before the taking, ring, Any Manta stall be paid to Borrower. In to event of a odlaley before the aging is less than the amount of the sumo lee in willing or unless applicable paw otherwise Provldes, the whether or not the sums are Ban due. Unless Lender ON si sae not axial w poelpone the due date of the monthly slwr. Extension of Oro time for payment or mor lbetbn of qr to any successor In Interest of Borrower shelf notopetate to ell, Lender still not be fegWfed to commence proceethngs M'=M' mmeN amortization of Me sums secured bythb Seckxiry Vosucceseca In Interest. Any forbearance by Lender in l My right or formerly, it Thecrynn" and ag'e is of thisSecuriy ion' r,a lohe ProWebne(Aparagraph 17. Borrowers 14, kaNrnonl buldoes not arawathe Note; (e) al a areal In to Property under the terms o1 this Y this F, �IrHbumenl; and(c) agrees that Lender and any other Somo ver mayagree to extend. modfy, forbear a make any accommodations With' regard Igthe dims Of sue SecUnty la Wham or Me Note without that Bonowela consent.`/ 13, Loan Chargeslaba Ifnncumdbylhla$ocunlylrauumenllaeub*lto'a pwwh- huts mardmum benchargea, and that awlsfrrallylnteryreledaolaiths, Intereslor odor banchargescollecad"lobs ccaecl6d wihtheloanexceeddhepermYled emes,dram: (a) anysuch loan charge shall be reduced by to amount necessary to reduce DiY IQVIV vad InvLand(b)mywhns already collected Irom Borrow which exceeded permiled ItrNls will be refunded to Borrower:, ychoose to make INS refund by reducing the pdnclpal owed under the Note"by naldrg a direct payrri l to Borrower, H e afu[itl�- principal, the reduction will be treated as a partal prepayment without any preparrenl charge under the Note. 14,Notion. Any notice to Brower provided for In this Security lnetmrnentNWlbe gW6pify it or bymaling It by first tau math unless apple" law required use of another method. The notice shall be diecNrllo the of - "any other address Borrower desgales by notice to Lender. Any notice to Lender shall be given to Borrowar"Lender -gi4n as provided In this paraploph. ig. (aowmi g Law; lewrablafy. Federal law and to law of to judedlcton In wtech the Property is located shall govern this Security Instrument. In the event that any provision "clause Of the Security lalmment or to Note conikts with applicable law. Such oonllkt mall not affect other provision of this Security Instrumenl or the Note which can be given elect without theconllcO g provision. To this end the provisions of this Secudty instrument and the Note are declared to be severable, M Bona is Copy. Boroww MAN be given one conformed copy of 0e Nos and of this Security Instrument. 17. Trraler d tfis Property a a Berelbld InlereH In Bomowvr. If all orr"part of fie Pnpsrty"any Interest In it Is soda trMAM,ed (wit a beneficial into" In Borrower Is sad or baa(ened and Borrower Is note natural pera"h) without Lenders prior written consent, Lender may, at its Opton, require Invnedtale payinent In full of all sums secured by Secvey tstnynent. However, Landersall not exercise this option 11 federal law As of to dais of thus Security Instrument prohibits exercise. H L*rKW exerosed Adis option, Lend" shallgl'%e Borrower notice of eccsaralbn, The fodce ehdl provke a period of Milan tan 30 days from the data Hsu polka is delhwedor mated within which Borrower must pay all sums secured by this Security Instrument. H Bonoww Idle to pay Mese suns prior to to quotation of this pence, Lender may Invoke any rertedes pennlHed by this Sec"Hy Instrument w4houl further mks w demand on Borrower. 18, BortowWo Rlght loRelnetete. If Borower mesa certain condtons, Borrower salt haw to right to have emorcament of this Security Instrument dac"itlnued at any hme prior to the salter of: (a) 6 days (or such other period es applicable law may speclty for alnslaterl bolds sale of to Property pursuant to any poxes of sets contNnod In this Security iabumml;"(b) "by of a Mtdgmsel enforcing this Seeudty, Instrument. Those oondtNra are that Bomo c,(a) pays Lender all sums which ImMwould beds under this Security Instrument and the Note as H no acceleration had occurred; (b) cures and default of any otlor covenants of agreements; (0) pays di expenses Incurred In enlorcbg this Security InAlrument. Including, but not limited to, reasonable aromeya ass; And (d) tikes such action AS Lender mayreasonaWyrequhe to assure that the Hen of this Security Inslnument Lender's rights In to Property an i Bonowelsobepeten to occurred. paragaph ,m,ed.wp M OR; 3009 PG; 0718 19. Bale of Note; Charge of Loen Servker. The Note or a partial interest In he Note (loget er with his SecunrylnaWment) may be sold one or more time without prior miles to Borrower. A sale may result in a change In tie ani ty (known as the'Loan ServkeP) that collects monthly payments due under the Note and this Security lnlburncnt. There also may be one or more changes of the Loan Servlcor waisted to a Asia of the Note. It time Is a change of the Loon Servker, Borower will be given written notice of the change In accordance With paragraph 14 and applicabla law. The notice will slate the name and address of the new Loen Servker and the address to which payments should be made. The notice Will also contain any other Information required by applicable law. 20. Naaardow BtAlelenoss. Borrower shall not cause a permit the presence, use, disposal, slorege, or release of any Hazardous Substances on or In the Plopody. Borrower shall not do, nor allow anyone else to do, Anything affecting the Properly that is In vloatknolany Envlronmantel Lew, The precedbg two sentences shell not apply to the presence, use. or storage on the Properly of small qumlItles of Hazardous Substances that ere generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall prornptlygive Lender written notice far anylnvestgallon, claim, demand, lawsuit or~ Action bya,xygovemmental or regulatory agency or private party Involving the Properly and any Hazardoua Substance or Environmental Law of which Borrower has actual know/adpe. If Borrower learns, We rwtihedbyenygovernmonlal of regulatory authority, that anytemovalorother remedlaWnOf Any Hazardous Substance affecO g time Propery is rrcoeeary, Borrower shall promptly take Allmon" remedial actions In accordance wilh EnAtor menlal Law. As used In this paragraph 20,'Hazardl Substances' are those substances defied as to* or hazardous substances by Environmental Law and the IollOWing substances: gasoline, kerosene, other flammable or toxic petroleum products. toxic pesticides and herbicides, volatile solvents, materials containing asbestos or totmaldehyde, and radiDmOve maledar. As used In this paragraph 20, 'Environmental Law means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Acceleration; Remodles. Lender shall give ro ke to Sorrower prior to acceleraton following Borrower's bleach of any covenant or agreement In this Security Instrument (but not prior to Acceleration under paragraph 17 unless applicable law provides otherwise). The notice shallJosclty. (a) (he default; (b) the action required to cute the default; (c) a date, not less than 30days from the dale the nctice Is given to SW: which the dolat the notice may rssuil ln` ratlen of the sums Property. The nonce ehel, fuyUtar I lonn Bonov procedhg the rwn•existenca Ql a dot un or any of before in dale nlecllled in then e.Nender, a inslrnmenl witteulfurther Andmay fordo expenses Incurred In pursuing the emfols4 pfov6 of the title evidence. 22, Roleaae, Upon payment of It eu charge, to Borrower. Borrower shall pay Arty r, r 23. Albrneye'Fees. As used in in Sri by an appellate court. 24. Riders to this DeourNy Ing m n Instrument, the covenants and agreemenle of 9aq Agreements of this Security Instrument as If the it ❑ Adjustable Rate Rider Graduated Payment Rider mst be cured; and (d) that failure to cure the deleuM on or belofe the dale specified In ufed by this Security Instrument, foreclosure by judical proceoding and Asia of the 4 the right to reinstate after acceleration and the right to assert in the foreclosure defense of Borrower to acceleratkn And lorecbsura. If ins default IS not cured W or option, may require Immolate payment In full of all sums secured by this Security this Security instrument by judicial pfoceeding. Lender shall be entitled to collect all In this paragraph 21, Including, but not limited to, reasonable attorneys fees and coats Instrument, Lender shall release this SecuritylnsWment, without Instrument and the Note,'enorneW feea'Shall Include any attorneys' fees awarded a or more Odors are executed by Borrower and recorded together with this Security "r shall be incorporated into end shall amend and supplement he covenants and Sve.` a pad of his Sacurlty Instrument. (Check Applicable Box) Rate Improvement Rater Condominium Rider Balloon Rider 3, Rorer El o(herle) (specify SIGNING BELOW, Bo nower Accepts and agrees to the terms executed by Borrower and recorded with It. Signed, Mabel and delivered In the presence of: Witneeeslpetue:h)" w/" '6(tyd -- Witness Print 1.4 Family Filler 0 Second Home Rider © &weekly Payment Rider 0 Plenxsd Urn Detshprert oVepedle contained In this Security Injurer and In any War(a) LI id v. 0 1, Written S"ll —'4SP '1�7 'ILL "; `. Whnees Pdnl Name: �L't" "X 1', i')rt'H re Address: 1155'. fmigkalee Dr Immdk lee Florida 341" STATE OF_Flokla_ COUNTY OF_Colllef I hereby cemly that on this day, before me, an officer duly authorized in he stale 41ora4akl slid. 1', he county aforesaid to take acWwwledgemems, personally appeared As1IL20 DLARCO to mo known to be the psreon(6) deicrlQe�In and who executed the foregoing Instrument and acknowledged before me that HE/ SHE/ THEY executed the same for tha puipdtie therein expressed. WITNESS my hand and oNklal send In the County and Slate aforesaid this March 20, 2002. My Commission Expires: slool1pprryy _ _ 61WiliP I _ Notary's Printed Name (SEAL) Al 811va P. Puente ,�$sfommlydane CC �1010a1M a�v Ldleit 1. kcc 5,g IIkod lrae � ,ttaxll IbedIM G.. Inz ,+ iod.wp *** OR: 3009 FG: 071107 *** STATE OF_FWds- COUNTY OF_CoMbr_ I tweby ov* tat on ft doy, before nw, an o8kwr duly m*wizd in the eftthN efornuW v4 In to county Oueu d to WA dowwWgwnonb, pwaoraly appwred Tolanda Blau** to nw known to be the pw"*) dmxgwd in vW who mectAd dw fomp ing kwYunw d wW ooWwwWdged before no tat HE/ SHE/ THEY rrwatAmdd 8w emm for the purpow *m*n oxprwwd. WITNES8 ny tw My cam"on (SEAL) • • GOLD 15000.00 2962663 OR; 3015 PG; 0883 011L1ttNt 1S0151110 Ric1111 FOaR a HOUSING t URBAN IXPAOVIXINT IICOIDID to tht OITICIAL AICOROS Of COLL111 COUNT', PL DOC•.0) 12150 INTII 0111cl 04101112002 at IOMAN DHIGHT 1. BROCA, CLIA1 ATTN: 1111101 11 SECOND MORTGAGE THIS SECOND MORTGAGE ('Securlty Instrurmnt') Is given on April 3, 2D02. The Second Mortgagor Is: PABLo A MARIA HAVAARiTZ t"Borrower'). This Security Instrument is given to Collier COUnty ('Lender'), which is organized and existing under the taws of the United Slates of America, and whose address is 3050 North Horseshoe Drive N. Naples, Florida 34104, Serrowerowes Londerthe sum of Fifteen Thousand Dolltrs(D,S.6 15. 000.00 ). This, debt is evidenced by Borrower's Note dated the same data as Ihis Security Instrument ('Second Mortgage'), which provides for monthlypaymenh, with the full debt, it not paid earler. due and payable on sal of Property, refinance, or lose of horseatered elteeytion. This Security Instrument secures to Lender: (a) the repayment of the debt "narrow by the NOW "In Interest, and all renewals. extensions and modifications: (b) the payment of all other sums, with Interest advanced under paragraph 7 to protect the secudtyol the Security Insbumenl: and (0) the performance of Borrowers covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second Met gag9, grant and convey to Lender the following described property boated In Co 1 I i a County, Florida. :'`.'1 More parllculany described as i"4,01 1,Penris 104 andC'P`PI and which has the address old` ('Property Addroes'): _---- TOGETHER WITH all the I royalties, mineral, oil and gas rights I Block 34, New Market Subdivision, as recorded in Plat Book Records of Collier County, Florida, rolio863858120205 now and convey the Property and that the Property Is; out generally the title to the Properly against all claim" � THIS SECURITY INSTRUMENT comblAes jurisdiction to constitute a uniform security Insbumeo UNIFORM COVENANTS, Borrower and 1, Payment of Principal end Inlenl: Pri and Interest on the debt ovidenced by the Note. 2. Tax". The Mortgagor will Pay ell taxes, thereon. The Mortgagor shall pay or cause to be pal( any kind whatsoever which may at any IMe be lawlr charges, Inoluding'5li charges', Incurred or IMP Pecoeriv. and 13) all assomments or other gov hm Interest due: and. to principal duo; t 4. Chargnl Lien$. Born may again poorly over this Security all notice$ of amounts to be paid or ids 34142 )aver erecled on the property, and all oasemenls, rights. appudenaroes, rents, A stock and all fixtures row or hereafter a pan of the property. The Security it of the foregoing Is mtened to in this Security Instrument as Me -Property- y seized of the estate hereby conveyed and has the right to Mortgage, grant red except for encumbrances of record. EIVM er warrants and wit defend nds, subject to covenants is m 0 real property. any late charges due with limiledwmatim by as follows: is. Borrower shall promptly pay when due the principal of or water rates Prof to Ina accrual of any penalties or interest ]scone due, (A)(1) all taxes and govemmenlai Charges of fist or Win respect to the Property, (2) all utility and other itenance, use. Occupancy, upkeepand Improvement of the Mully be paid In Installments over a period of years, the hich Installments as are raqulned to nd pail during the form onward to Mortgagee evidence of such payment. is. All oavmenn received by Leadershall be applied: Ind. to the Property. which otrower.(8) so(es$ in writing to the lien by, or defends against t of the Ben; or to) secures from the holder of Ina lien an agreement minoamory to Lvnwj euw,un,au„ir-v„e„o.,—qw—,i •• ••-••,. If lender delertnlne5 that any pan of the Propertyle subtecl toe lien, which mayattain priorityover the Security Instrum, ',gnaw playgWa Schwan a notice Idemilying the lien. lorrower shall sanely the lien or lake one or more of the actions set loon above wi n 0days of the giving of notice. 5, Hazed or Properly Insurance. Borrower shell keep the Improvements now oil ing IO)hweaber erected on the Property Insured against bu by lire, hazards Included witMn the term *extended coverage'and any otite� hazp�ds; I cluding hoods or Iloodbq, for which Lender requires Insurer". This Insurance shall be m orrialned In the amounts and Itifl a ppflqrnl that Lender requires. The Insurance carver providing the Insurance shell be chosen by Borrower Subject to Lend ete appievBl;,wh hall not be unreasonably withheld. it Borrower falls to maintain coverage described above, Lender may, at Lender's option, oblelnd, to protect Lender's rights In rue Property In accordance with paragraph7. Al all limes that the Note is outstanding, the Mortgagor SW mammal insurance with leaped to the Premises against such risks and for such amounts as are customarily Insured against and pay, as Ole medte and payable, all promlums In fespect thereto. Including, but not limited in. all-risk Insurance protecting the Interests a the Men gogor and Mortgagee against loss or damage to the Premises by lire, lightning, and other casuelllas cuslomatlly insured against (Including bolter explosion. If appropriate), Will a uniform standard extended coverage endorsement Includirgdobos removal coverage. Such Insurance el all Ames lobe then amount not less than the lull replacement cost of the Premises, exclusive of footings and foundations. All Insurance policies and renewals shall be accept" to Lender and shall include a standard mortgage clause. Lendet shall have the fight to hold the policies and renewals. 11 Lender requires, Borrower shall promptly give to Lender all recelpls of paid premiums and ronowal nolbes. In the event of loss. Borrower shall give prompt notice to the Insurance carder and Lender. Lender may make prool of loss If not made promptly by Borrower. Unless Lender and Sorrowet otherwise agree In wr ing, Insurance proceeds shall be applied to restorallon or repeir of the Property damaged, If the restoration or repair Is economically feasible and Lenders security is not lessened. It the restoration or repair Is not econombaliyloasible or Lender's securitywould be lessened, the Insurance proceeds shall be applied to Iha sums secured bythe Security Instrument, whether or not then due, with any excess paid to Borrower. II Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carder has offered to settle a claim, then Lander may tolled the insurance proceeds. Lender may use the prwoods to repair or astore the Property or to pay sums secured by this Security Instrument. whetheror not then due. The3o day period wilt begin when the notice Is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments (starred to In paragraph t or change the amount of the payments. II under paragraph 21 the Property is acquired by lender. Borrowers right to anyinsurance policies and proceeds resulting from damage to the Ploperty Poor to the acquisition shell pass to Lender to the anent of the sums secured by this Security Instrument Immediately prior to the acquisition. 6. Occupancy, Prelard n, Malntensnc , and Protection of Me Properly; ewrower'e Lan Applkatbn, Leasehold.. Borrower shall occupy, establish, and use the Property as Borrowers principal residence within sixty days anerthe execution of this Smfity Instrument and shall continue to occupy the Property as Borrowers principal residence for at beat one year alter the dale of occupancy, unless Londe( otherwise agrees In willing, which consent shelf not bo unreasonably withheld, or unless etdenualing circumstances exist which are beyond Borrowers control. borrower shall not destroy, darni or Impair the Property, allows the Property to deteriorate, or commlimsteonlhe Property. Borrower shall be In default 11 any lorfellure action or proceeding, whether civil or criminai. IS begun that In 1 in a mar ch In the „w,ed. W OR; 3015 PG; 0884 "AN 0 the case of acceleration under paragraph 17. 1g. Sale of Note; Change of Loan Servicar. The Note or a panlal Interest In the Note itogethor with this Secudly Iretrumeng may be sold one w we time without prior notice to Borrower. A sale may result In a change In the entity (known as the'Loan Servker') that collects monthly payments due under the Note and (his Security Instrument. There also may be one or more changes of the Loan Servker unrelated to a sale of the Note. If there Is a change at the Loan Servicer, Borrower will be given written notice of the change In accordance with paragraph 14 and applicable law. The notice will slate the name and address of the new Loan Swricer and the address to which payments should be made. The notice will also contain any other Inlormallon required by applicable law. 20. Hass rdcus Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do• nor allow anyone also to do, anything allacling the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of muff quantifies of Hazardous Substances that are 0hwagy recognized to be appropriate to normal residential uses and to maln(mance of the Property. Borrower shall promptly give Lender written notice for any Investigation, claim, demend lawsuit or other action by any governmental w regulatory agoncyor private party Involving (he Property and any Hazardous Substance or Environmental Law of which Bwrowgr has achial know/odge. If Borrower learns, or Is nollhod by any governmonlal or regulatory authority, that any removal or other remedielion of any Hazardous Substance affecting the Property Is necessary, Borrower shalt promptly lake all necessary, remedial actions In accordance with Environmental Law. As used in this paragraph 20 'Hazardous Substances' are those substances defined as toxic or hazardous substances by Enwhonmental Law and the following aubsllnpev gasoline. kerosene. other flammable ortoxk petroleum products, toxic pesticides and herbicides, volafilo solvents, materials cowlaln(rig ebeetoe or formaldehyde, and radioactive matelots. As used In this paragraph 20, `Environmental Law' means Ie0erel lave and I fthq Jurisdiction where the Property Is located that relate to health, safety or environmental protection. 21. Awowalm i;,,,qp Ns. Lender shall give notice to Borrower prior to acceleration following Borrowers breach of any covenant or agreomant In Ihls S rfly Instrument (but not prim to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shell afy�ecJ1 :'(01 he delauil; (b) the action required to cure the delaua; (c) a date, not less glen 30 days from the date the notice is given to Borrower, 6y wiibhalhe default must be cured; and (d) that failure to cure the default on or before the data specified In the notice may result In ncceleralI of Ilia sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall ludher Inform Borrower of the right to reinstate she( acceleration and the right to risen in the foreclosure preceding the nomoxlslance of a default or any Thor dofense of Borrower to accolerallon and lorWosure. It the default is not cured on or before the date specllmtl In the news fan. d4 at its option, may require Immediate payment in full of all sums secured by this Secury Instrument wilhout ludher tlemantl and may(( rKlmothls Securitylmtrumonlby)udklalprmeeding. Lender shall be entitled locollect all expenses Incurred In pursuing the remedayUrovided in this paragraph 21, Including, but not limped to, reasonable attorneys fees and costs of the title evidence, - 22.Release.Upon payment ofall su a sebu ad by this Securityinstrunwnt, Lender shall release this Security Irauument, wigwut charge, to Borrower. Borrower shall pay any recordall 'gate. 23, AHomaya'Fees. As used In this Security lost, mot and the Note,'atiorneys'lees' shall Include any ahomoys'fees awarded by an appellate court. 24, Rlderstothis Seeurtyln@trutttent. if o a'oi'ino?e riders are executed by Borrows( and recorded logelherwith this Security me Instrument, the covenants and agreements of each sucli rl0ermen 'shaffLLbe incorporated Into and shall ad and su pplement the covenants and em ogre¢nis of this Security Instrument as II the ride(s)'Viefloyp7pd Z1 this Security Instrument. (Check Applicable Box) Adjustable Rate Rider •1=!: Rjfta,I lj 1provement Rider Condominium Rider Graduated Payment Rider El Balloon Rider 13 BlwaekwV'e"nl Rider ❑ Other(s) (specify SIGNING BELOW, Bonower accept@ and agrees to the tonne and cov nantp executed by Bonower and recorded Win It. \` Signed, sealed and dolivored In the presenc��`eof: -•f: Witness Signature:_ 'y � ��Ly-s_q_z�.� Slgna crew-1 Borrower Witness Print Name: 1 - Signatures Bonovrer Wltneaa Signi lw@: Witness Print Name: 0'ti _ Address: Tr 1-1 Second Home Rider El Planned Unit Development Rider In this Security Instrument and In any dder(s) 0 /,/1V/1 Poi 1t VlMV . e.Taff)r9on Se. STATE OF_Fbdda_ COUNTY OF__Cohlor I hereby certiy that on this day, before M. an oNkor duly authorized In the slate ofore6ald and n the county afoleaaid to take acknowledgements, personally appeared PABLO a IIAtIIA HAVARRZTZ to me known to be Bre persons) described In and who executed the foregoing Instrument and acknovAeUped before me that HE/ SHE/THEY executed the same forthe purpose therein expressed WITNESS my hand and official seal In Ins County and Slats alwesaid this April 3, 2002, My Commission Expires: _ —. Not P 'e S lure Notary@ Printed Ne (SEAL) WAs'L yOIMr dr pr. 7AR6 14 tl0aapla Iir'.a.rayaa.r 11 aw' ^ .....ad,wp Soµ a OR; 3015 PG; 0885 Landers good faith judgment could result in fodoilure of the Property or olhorWiso melerlally, Impair the lion created by this Security Instrument or Lenders security Interest Borrower may curs such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, In Lenders good faith determination, precludes lodoiture of the Borrower's Interest in the Property or other material impairment of the (ion created by this Security Instrument or Landers security interest. Borrower shall also be In default If Borrower, during the loan application process, gave materially false or Inaccurate information or statements to Lender (or failed to provide Lander with any malarial information) in connection with the loan evidenced by the Note. Including, but not limited to, ropresentations conceming Borrowers occupancy of the proportions a principal residence. If this Security Instrument is an leasohold, Borrower shall comply wth all tho provision of Iho lease. If Borrower acquires Lao title to the Property, the leas ahold and the fee lithe shall not merge unless Lender agrees to the merger In writing. 7. Prolecllon of Londe I'll Rights in the Property. 11 Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Landers rights In the Proporty (such as a proceeding in bankruptcy, probate, for condemnation of Waders or to enforce laws or regulations), then Leader maydo and pay for whatever Is necessary to project trio value of rho Property and Lenders rights in the Property. Lender's actions may include paying any Sums secured by a lien, which has priority over this Security Inslrumenl, appearing in could, paying reasonable attorneys' loos and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall b600mo additional debt of Borrower secured by this Security InshMMM. Unless Borrower and Lender agree to other terms of payment, these amounts shall boar Interest from the data of disbursement at the Note rate and shall be payable, will interest, upon notice from Lender to Borrower requesting payment. S. Mortgage Insurance, If Lender required mortgage Insurance as a condition of making the ban secured by this Secunly Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in elleq. II, for any reason, the mortgage insurance coverage require by tender lapses or ceases to be In afraid, Borrower shall pay the premiums required to obtain coverage substantially equivalent to a mortgage insurance previously in ellect at a cost substantially equivalent to the cost to Behavior of the mortgage insurance p d I in off scl, hem an alternate mortgage Insurer approved by Lender. If substantially equivalent mortgage Insurance coverage Is not.§vAllablg, Borrower shall pay to Lender each month a sum equal to iitwelfth of the yearly mortgage insurance premium being paid by B l oyrerZon the Insurance coverage lapsed or ceased to be in elect. Lender well accopl, use and retain these payments as a loss reserve (n lieu g49 mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender. If mortgage insurance covoregir( h de 0 1 unl and for the Period that Lander requires) provided by an insurer approved by Lender again becomes available antl Is Obla7 .: BoJidWor shall paythe premiums required to maintain mortgage insurance in eject or to provide a lose reserve, until the requirement for7dgege insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. g. Inspid flop. Lender or Itsagent fly make reasonable entries upon and Inspections of the Propody, Lender shall give Bottom, notice at the time of or pride; znTn} ction spocilying reasonable cause for Iho inspection. 10. Condemnation. The procepits of any award or claim for damages, direct or consequential, In connection with any condemnation or other taking of any pan 0118o Prop@rl�, or for conveyance In lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Ptopod.lh proceeds shall be applied to Ilia suns secured by this Secunly Instrument, whether or not Then due. with any excess paid to Sorrovr. Ipjho event of a partial taking of the Property. In which the fair market value of the Property Immediately before the taking is equal to ogg?liv than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Loader uthiNsedgie@@ In writing, the sums secured by this Security Instrument shall be reduced by Ilia amount of the proceeds multiplied by the 1011owidg frricheih: (a) the dotal amoum of the sums secured immediately before the taking, divided by (b) the lair market value of the Property Infiniti 4toly bblore the taking. Any balance shall be paid to Borrower. In the avant of partial taking of the Property in which Ilse fair market valwfe o l is P))99peny Immediately before the taking is loss than the amount W the slims secured immardiatoly for the taking, unless Borrower and end rotlfortvlse agree In Wailing or unless applicable law otherwise Pravida$.Iho proceeds shall be applied to the sums secured by this Sec ily Instmrnenl whether or not the sums are then due. Unless Lender and Borrower otherwise agree In vMling. any ap011callon of pr' Raids ds)Jo'ptthdiral shall not extend or postpone the duo date of the monthly payments referred to in paragraphs 1 or change the amount dlsdch paormte. if. Sorcower Not Released, Forbearance By Lender Not a W��Ivor. Extension of the time for payment or modification of amortization of the sums secured bythis Security Instrument granls�by LlilidS to any successor In Interest of Borrower shall not operate to release the uabflilyoi the original Borrower or Borrowers succesomovi i Inle(bEl.�Lender Shall not be required to commence ptecour ings against any successor in interest or refuse to extend time for payment or oldie��lv'fSo Vaulty amortization of the sums secured by this Security Inslrumenl by reason of any demand made by the original Borrower Or f3Q701"(s fhrccessots In interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exsrci44e.of.soy fight or remedy. 12. Suoo►nora and Assigns Bound; Joint and Several Llablliryj'Cb4fggire. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of lender and So"bws,!su0Pc1 to the Provisions of paragraph 17. Borrowers covenants and agreements shall be pint and several. Any Borrower who co-signel)s.Secpnty lnsimmani trot does riot exaute the Note; (a) Is co-slgning this Security Instrument only to mortgage, grant and convey that 90 raves 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 and (c) agrees that Lender and any other Borrower may agree to extend modify, forbear or make any accommodations with rTrunS Ibe farms or this Security Instrument or the Note Without that Borrowers consent. 1\ J 13. Lem Chargoe, if the loan secured by this Security Instrument is subject to a Is4wdich's is maximum ban charges, and that law is finally Interpreted so that the Interest or other loan charges collected or to be collected itiafhs;, with to loan exceed the permitted dome,thmc(a) any such loan charge shall be reduced by the amount necessary to reduce Ilia chargarb o permitted limit; and b) any sums already collected from borrower which exceeded permitted limits will be refunded to BonOwer. Londtif PI horse to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. (I a re fund leJluc@A0i 1pal, the reduction will be treated as a partial prepayment without my prepayment charge under the Note. i 14. Notices, Any notice to Bouower provided lot In this Security Instrument shall he gluon by deliJo ng it or by mailing it by find class mail unless applicable law required use of another method The notice shall to directed to the Pro ponyAddressoranyotheraddress Borrower designates by notice (o Lender. Any notice to Lender shell be given to Borrower or Lentler on given as provided in this paragraph. 15, Governing Low; Sevarablliry, Federal law and the law of (he jurisdiction In which the Property Is locatod shall govern this Socunly, Instrument. In the event that any provision or clause of this Security Instrument or the Note conliicls With applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conificling provision. To this and the provisions of this Socially instrument and the Note are declared to be severable. 15. Borrower'@ Copy. Borrower shell be given one Conformed copy of the Note and of this Security instrument. 17. Transfer of the Property or a BmaJklaJ Intaresf In Borrower, If all or any pad of the Properly or anylntarestin it Is sold or transferred (or if a beneficial Interest In Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent. Lender may, at Its option, require Immediate payment In lull of all sums secured by this Socunly Instrument. However, Lender shall not exercise this option if loderal law as of the date of this Security instrument prohibits exercise. If Lender exercised IAIs option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not lass than 30 days from the data the notice is delivered or mailed wrthln which Borrower must pay all sums secured by this Broady Instrument. If Borrower Jails to pay those sums prior to the expiration of this period, Lendor may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 10. Borrower's Rlghllo Rolnstals. Il Borrower marls certain conditions. Borrower shall have the right to have snlorcomentof this Security Instrument discontinued at anytime prior to the earlier of : la) 5 days (or such other period as applicable law may speedy for reinstatement) before sale of the Property pursuant to any power of sale contained in hire Security Instrument; or (b) entry of a Judgment enforcing this Security lnslumenl. Those conditions are that Borrower: (at pays Lender all sums which then would be do undorthis Security Instrument and the Note as it no acceleration had occurred: (b) cures and default of any other covenants or agreements; (e) pays all expenses Incurred In enforcing this Security Instrument, including, but not Itinitod to, reasonable attomeys lees; and of takes such action as Lender may reasonably require to assure that the lion of this Security Insiruman6 Lenders rights in the Propery and Borrowers obligation to pay tie sums secured by this Security Instrument shall continue unchanged, Upon reinstatement by Borrower, this Security Instrument and the obligations seemed hereby shall remain fully efiaclivo es if no acceleration had Occurred. However, this fight to reinstate shall not apply in Alto: 2962604 OR; 3015 PG; 0738 o1LD iso00,0o HOUSING a VAHAN YNPROVININT 11CORDID in the OTTICIAL A]CONDS of COL411A COUNTY, It OILI 10000.00 11111 011ie] 04/01/2002 at 01t3011 DNIGHT 1. BROCI, CLASS lie 1111 I030 roar 0 ATTN; NINDY [LOP? DOC•.15 $2.00 SECOND MORTGAGE THIS SECOND MORTGAGE ('Security instrument') is given on April 3. 2002. The Second Modgagor is: IDOLLI= MAX WILLIAMB ('Borrower'), This Security lnslrurnentisglvento_ Collier County ___('lender'), which is organized and existing under the laws of the United States of America, end whose address is 3050 North Horseshoe Drive 0275, Na les, Florida 34104. Borrowwowee Lenderinesumot Fiftese Thousand Dollare(U.S.3 15,000.00).Thls,debtis evidenced by Borrowers Note dated the same date as this Security Instrument ('Second Morlgage'L which provides for mbllthlypayrronLs, with the full debt. it not paid earlier, due and payable on sale of property, ralirsaaas, or lose of hcases stead agasytion. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with Interest, and all renewals, extensions and modifications: (b) the payment of all other sums, with interest advanced under paragraph 7 to protect the security of the Security Insimmenl; and (c) the performance of Borrowers covenants and agreements under this Security Instrument and One Note. Fcr this purpose, Borrower does hereby second mortgage, grant and convey to Lender the Ioilowing described property located in Ca 111 er Court CY, Florltld. , East 30 ?set of Lot 51 and the Weal45 fear of Lot li Pskn Ridge, Unit No. 2, according to Use pim words of Collier County, Flurkls. FoIM6517028M And which has the ('Property Address'): TOGETHER WITH all the Improvements now or hereafter erecled on the property, and All easements, rights, appurtenances, rents, royalties, mineral, oil and gas rights and profits, w ter lights and slwk and all fixtures now or hereafter a part of the property. The Swunty Instrument shall also cover all replacemeOlsad onions. All of the foregoing is referred to In this Security Instrument as the property. BORROWER COVENANTS Or ISO war isI wlullyseized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Props. IedeenqumDered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property ageinsl all ]alms DO mands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT comdirlsend rm covenants for national use and nonuniform covenants with limited variation by juriedlction to constitute a uniform secudy InalrtlmeM,ce efing reel property. UNIFORM COVENANTS. Borrower arid-LehderppIninanl and agree as follows: 1. Psyment of Pride I and lntereab; PrepelST, t1\Late Charges. Borrower shall promptly pay when due the principal of and Interest on the debt evidenced by the Note. , 2. Texas. The ModOagor will pay all ]axes, ese�sa ,. ql. ewer rents or water fates peer to the accrual of anypenaaies or Interest thereon.` The Mortgagor shall pay or cause to be paid, as the$,, Wise lively become live, (A)(1) all taxes and governmental charges of any kind whatsoever which may at any Ilme be lawfully asseSbad or, vinst or with respect to the Property, (2) all utility and other charges, Including'servke charges', incurred w Imposed rofthe foliori Mnj#Inlenance,use, occupancy, upkeep end lmProwmenlol the Property, and (3) all assessments or other governmental eharpes.Inabif� y wtully be paid In installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or Cause to be paid dhly such Installments as are required to be paddudng the loam of the Mortgage, and shall, promptly alter the payment of any of the Iola`gollig;f aid to Mortgagee evidence of such payment. 3. Applloatlon of Payments, Unless applicable law provides olhyrmi all payments waived by Lender shall be applied; first, to Interest due; and, to Principal due; and last. to any late charges due under IyY Oka 1. 4. Chergea; Lane. Borrower shall pay all taxes, annar enla, ch@rpeS, Iihdb and ImIn" lone atu butable to the Property, which may shorn pdorlyover this Security Instrument, and leawhold payments ordr011 rAril5i i(any. Borrower shall promptly hardsh to Lender all notices of amounts to be paid under this paragraph, and all receipts evldom i 'Ih y Vrpenle. Borrower shall promptlyfischarga any lion which has pderlyover thle � r_ity lapn�§glrumenl unless Borower.(a) agrees in" Ong to the payment of the obligation secured by the Ilan In a manner acceptable to Lender, (bj,goMests In good faith the Ilan by, or defends against enlorcemenl at the lien In, legal proceedings which In the Lenders opinion operate to prevent Onedelo"memof Our Ilan; oa (c) secures from the holder of the Ilan an agreement satisfactory to Lender subominaling the Ilan to this Secuplylns umem, If Lender deftimums that any pad of the Property Is subject to a Ilan, which may sham priority over the Security Instrument Lends may give Borrower a notice Identifying the Ilan. Borrower shall sallsly the lien or lake one or more of the actions set loch above wi tLJis, 10 da of the giving of notice. a. Wesard aw Property Insurance. Borrower shall keep the Improvements now en(1)1�ti{ ,amefter orocted on the Property Insured against logs by lire, hazards Included within the ton 'extended coverago' and an otherhazar 1 luting floods or flooding, led which Lender requires Insurance. This insurance shall be maintained in the amounts and I6r.16 d a that Lender requires. The Insurance tamer providing the Insurance shall be chosen by Borrower subject to Lenders approval rich shall not be unreasonably withheld. If Borrower falls to melnlaln coverage described above, Lender may. at Lenders opibn, obit gqpp toprolect Lendoesrlghts In the Property in accordance with paragraph 7. At all limes that the Note Is outstanding, the Mortgagor shall ma.14in insurance with respect to the Premises against such risks and for such amounts as are customarily Insured against and pay, as the #Iar =,0, a do end payable, all premiums In respect thereto, including, but not limited to. all-dak Insurance proteoling the Interests of a Mortgagor and Mortgagor against lose or damage to the Premises by fire, lightning, and other casualties customarily Insured against (Including boiler explosion, it appropriate), with a uniform standard extended coverage endwsomenl, Including dobfis removal Coverage. Such Insurance at all limes to be In an amount not less than the lull replacement cost of the Promises, exclusive of footings and loundaflem, All Insurance policies and renewals shell be acceptable to Lender and shall Include a standard mortgage clause. Lender shall haw the fight to hold the poilc as and renewals. 11 Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal nolkes. In the event of lose, Borrower shall give prompt notes to the insurance carder and Lender. Lender maymake proof W loss If not made promptly by Borrower. Unless Lender and Bonower otherwise agree In writing, Insurance proceeds shall be applied to restoration or repair of the Property damaged, 11 the restoration or repair 1s economically feasible and lenders security Is not lessened. It the restoration or repair is not wonomkallyfeaeible or Lenders security would be lessened, the Insurance proceeds shall be applied to the sums secured by the Secunty ieelrumsnl, whelner or not then due, with any excess paid to Borrower, If Borrower abandons the Property, or does nor answer "Umn 30 days a notice from Lender that the Insurance carder has offered to softie a claim, than Lender may collect the Insurance proceeds. Lender may use the proceed# to repair or restore the Property or to pay sums secured by this Swuriy Inslrualenl, Whether wnct then due. The 30. day period will begin when the notice is mailed, Union Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due dale of the monthly payments referred to In paragraph 1 or change the amount of the payments. 11 under paragraph 21 the Property Is wqulfed by lender, BotroWera right to any Insurance policies and proceeds resuPong from damage to the Property prior to the acquislllon shell pass to Lender to the extent of the sums secured by this Security Instrument Immectudey H. Oaoupanoy, Preservation, Mein ena nce end Protection of the Property; Bonomes Loan Application, Leuetekle. Borrower shall occupy, establish, and use the Property as Borrowers principal residence wlthln aixydays after the execution of this security InelrurnaM end shall continue to occupy the Property as Borrowers principal residence for at least one year after the dale of occupancy, union Lender otherwise agrees In writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrowers control, Borrower shell not destroy, damage orlmpair the Property. allow the Propedyto Omnivore. wommit mute on the Property. Borrower shall be in default ll any forfeiture action or proceeding, whether civil or criminal, is begun that in lenders 1 .n.,edwP OR; 3015 PG; 0939 Tour o good faith judgment could result In forfeiture of the Property or otherwise materially impair the lion created by this Security Instrument or Lenders security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action of proceeding to be dismissed with a ruling that, In Lenders good faith dale rmination, precludes lodellure of the Borrowers Interest In the Property or other malarial Impairment of the Ilan created by this Security instrument or Lender's security interest. Borrower shall also be in default it Borrower, during the loan application process, gave materially false or Inaccurate Information or statements to Lander (or laded to provklo Lender vain any material information) in connection win the loan evidenced by the Note. including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. 11 this Security Instrument is on household, Borrower shall coreplyveth all the provision of the lease. If Borrower acquires lee Idle to the Property, the leasehold and the fee title shall not merge unless Lander agrees to the merger in writing. 7. Protection of Lender's Rights In the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or (hero is a legal proceeding that may signilfcanlly affect Landor's lights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfellum or to enforce laws or regulations), then Lender maydo and payfor whatever is necessary to protect the value of the Property and Londors rights In the Property. Lenders actions may include paying any sums secured by a lion, which has priority over this Security Instrument, appearing In court, paying reasonable attorneys' lees and meaning on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by lender under this paragraph 7 shell become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to otter terms of payment, these amounts shall bear interest from the dale of disbursement at the Note rate and shall be payablo, with interest, upon notice from Lender 10 Borrower requesting payment. 6. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Secunty, malrumont. Borrower shall pay the premiums required to maintain the mortgage insurance in effect. 11, lot any reason, the mortgage insurance coverage required by Lender lapses or ceases to too In ellecl, Borrower shell pay the premiums required to obtain coverage substantially equivalent to ))he mortgage Insurance previously In off"(, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance.pf vi6u51y in effect, from an alternate mortgage Insurer approved by Lender. It substantially equivalent mortgage Insurance coverage is out� allabi$, Borrower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by BorrOWor an the insurance coverage lapsed or ceased to be in effect. London will accept, use and retain these payments as a loss rose en lee )-(mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, it mortgage Insurance covers d- I R. ATOunI and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained, , do r shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement IQgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 0. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Properly. Lender shall give Borrower notice at the IIme of or prlklo.arrin peclion specifying reasonable cause for the inspection. 10. Condemnation. The proq ``its of any award or claim lot damages, direct or consequential, in connection win any condemnation of Other IaNing of any part QWe Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the PropgovAh proceeds shall be applied to the sums secured by this Security Instrument, weather or not then duo, with any excess Dad Io Borio;In the event of a partial taking of the Property, in which the fair marks( value of the Property immediately before rho taking is equal tOb gSafe, than ih a amount of the sums secured by this Secunty Instrument immediately before the taking, unless Borrower antl Lender ceeWsa'apfgqa In writing. the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the lolloµifigdr cltdn: (of the total amount of the sums secured Immediately be lore the taking, divided by (b) the lair market value of the Property lnl4driftlylor tom the taking. Any balance shall be paid to Borrower. In the event of a partial !eking of the Property In which the fall market ve(ue{{rrI @o P((opedy immediately before the taking is less than the amount of the sums secured Immediately for the taking, unless Borrower and londorAlImfivise agree in writing or unless applicable law cinemas provides, the proceeds shall be applied to the autos secured by this 5'' ity Inet men! whether or not the sums are then due. Unless Lender and Borrower otherwise agree In writing, any application of Drooeetls�leincipel shell not extend or postpone the due dale of the monthly payments referred to In paragraphs I or change the amount bD uch payments. 11. Borrower Not Released, Forbearance By Lender.14 a, elm. Extension of the lime lot payment of modification of amortization of the sums secured by this Security lnslldmanl gmdl�6,, C4II qr to any successor In interest of Borrower shall not Operate to release the liability of the original Borrower or Donowees successe IrrWg e�s� Lender shall not be required to commence proceedings against any successor In Interest or refuse to extend Irmofor peymenl or 011164?vise,modify amorlization of the sums secured by this Sec ny Instrum ,of by reason of any demand made by the original Borrower of 06Im ee�s uccessors In fnlamsl. Any forbearance by Lender in exercising any Fight or remedy shall not be a waiver of of preclude Iha exercise bl g y right or remedy. 12. Successors and Assigns Bound; Joint and Severe] LlsbllltJk,tj IIl;h�rs, The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and©gfe fs t to the Provlsluns of paragraph 17.Borrowers covenants and agreements shall be joint and several. Any Bonowerwhoco-sign thlsS only Instrument but does not execute the Note; (a) Is co-signing this Security Instrument only to mortgage, grant and convey trial Bogra es interest In the Property under the forms of this Security Instrument; (of is not personally obligated to pay the sums secured by this Security Instrument: and (c) agrees that Lender and any other Borrower may agree to extend, modify, forever or make any accommodations witb rgWfd tQthe lame of this SecurityInsuument or the Note without that Borrowers consent. ( t f 19. Loan Cheges.11the loan secured by this Security Instrument is subject to rIj1wwM_cll ate maximum loan charges, and that law is finally Interpreted so [hat the interest or other loan charges collected or to be collected Intact with the ban exceed the permitted limits. than: (a) any such loan charge shall be reduced by the amount necessary to reduce the,ch@1pej th@pemNhedlinV;antl(b)anysums abeadycolfected from Borrower which exceeded permitted limits will be refunded to Bonowet:..L ninety cheese to make this relundby reducing the principal owed under the Note or by making a direct payment to Borrower. If arefund lcas;principal, the reduction will be traaledas a panlai prepayment velhoul any prepayment charge under the Note. / 14, Notkes. Any notice to Borrower provided for In this Security Instrument shall to givenbydelty -no gdorbymailingilbylirsl Class mall unless applicable law required use of another method. The notice shall be directed to the Props use or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Londe hen given as provided in this paragraph. 15. Governing Law; Saveabllity. Federal law and the law of the jurisdiction In which the Property Is located shell govern this Security Instrument. In the event that any provision or clause of this Security Instrument or the Note conflicts vain applicable law, such conflict shall not affect other provisions of this Seedily, Instrument or the Note which can be given effect without Ihoconitklnig provision. To this end the Provisions of this Security Instrument and the Nate are declared to be saveable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17, Trsnsie of the Property or • Bensiblel Intent in Borrower. If after anypan of the Properly or any Interest In It is sold or transferred (or it a beneficial interest In Borrower is sold or transferred and Borrower Is not a natural person) without Lenders prior written consent. Lender may, at Its option, require Immediate payment in lull of all sums secured by this Seeuoly Instrument, However, Lander shall not exercise this option fI federal law as of the dale of this Security Instrument prohibits exercise. If Lander exercised this option, lender shall give Borrower notice of acceleration. The notice shall provide a period of not toss than 30 days Item the data the notice Is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument II Borrower falls to pay these sums prior to the expiration of this Period, Lander may Invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Rlghtto Rsinetate. If Borrower meais certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued a1 any time prior to the earlier of: (a) a days (or such other pedal as applicable law may speeily for reinstatement) before sale of the Pri pertypunsuant to any power of solo contained in this Security Instrument; or (b) entry of a judgment enforcing ihis Sacunty Inatfumenl. Those conditions are that Borrower: (a) pays Lender all sums which than would be due under this Secunty Insimrnent and the Note as If no acceleration had occurred; (b) cures and default of any other covenants or agfserwnts; (c) pays all exponses s ouned In enforcing this Security Instrument, Including, but not limited to, reasonable attorneys lees; are (d) takes such action as Lender may reasonably require to assure that the lion of this Security Instrumenl, Lender's rights in the Property and Borrowers obligation to pay the sums Secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Sacuny Insbumenl and the obligations emoted hereby shall remain fully oflecfive as ll no acceleration had occurred. However, this right to reinstate shalt not apply In the Case of welovellon under Paragraph 17. v,.ed.wp *** OR; 3015 PG; 0740 *** Yom 0 19. Sale of Note; Change of Loan SaNknor, The Note of a partial interest in the Note (logeuwrwith this Seounly Instrument)may be sold one or more times without prior notice to Borrowef. A sale may result in a change in the *miry (known as the 'Loan Senn er') that collects monthly payments duo under the Note and this Security Instrument. There also maybe one or more changes of the Loan SoNicer unrelated to a salo of the Note, Il theta is a change of the Loan Survicer, Borrower will be given written notice of the change in accordance with paragraph 16 and applicable law. The notice will stale the name and address of the new Loan Sorvlcer and the atldruss to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause of permit the presence, uso, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone also to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quamdies of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Properly. Borrower shall promptly give Lendor written notice for anyinvestigalion, claim, demand, lawswt 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. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other femodiated of any Hazardous Substance affecting the Property is necessary, Bouowrer shall promptly lake all necessary remedial actions in accordance win Environmental Law. As used in this paragraph 20, 'Hazardous Substances" are IhOs0 substances defined as toxic or hazardous substances 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. As used in this paragraph 20. 'Environmental Law' means ledoral laws and laws of the jurisdiction where the Property, is ]mated that relate to heallh, safety or environmental protection, 21. Aecalerallon; Remedies. Lender shall give notice to Sorrower prior to acceleration following Borrowers breach of any covenant or agreement In i is Security instrument (but not prior to acceleration under paragraph 17 unless applicable law provides olherwise). Theroliheshfal p.cify: (a)the default;(b) the action required to cure the Colima,(e)adate. not less than 30 days from the data the notice is given luB 'Pro r,,ppy which the default must be cured; and (d) that failure facers the default on orbeforo the date specified in the notice may result in'acgg6foration of the sums secured by this Security therefrom, foreclosure by judicial proceeding and sate of the Property. The notice shalld hot I loan Borrower of the right to reinstate after acceleration and the fight to assort in the foreclosure procining the non-existanco, bl a dol ult or any other defense of Borrower to acceleration and foreclosure. ll the default is not cured on or before Imo data specified Id�Ih$; rip ce, lender, at its option, may require immediate payment in full 01 all sums secured by this Security Instrument without lusher demandanA _iyy foreclose this Security lnslrument by judicial proceeding. Lender shall be entitled to collect all expanses incurred in pursuing the i "edie`a provided in this paragraph 21,including. but not limited to, reasonable aaonleys tees and costs of the line evidence. 22. Besides, Upon payment of all sir s secured by this Smunly instrument, Lender shall release this Security Instrument, without charge, W Borrower. Borrower shall pay,;a if ordalion costs. 23. Atlorrteye'Faas. As used Ib1 Security Instrument and the Note,'auomeys'fees" shall include any anomoys'leas awarded by an appellate court. ' 24. Riders to this Security inalrumant ,lion or more riders are executed by Borrower and recorded together with this Security Instrument. the covenants aad agreements at dlaq{ sm4ider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as it Ihbntlelds) 41hi a pad of this Security 1nStrumam. (Check Applicable Box) U Adjustable Rate Rider , Rate Improvement Rider ❑ Condominium Rider Graduated Payment Ritler •� 1> Family Rider El Second Horns Rider �—s L—I Balloon Rider 'J Biweekly Payment Rider ❑ Planned Unit Development Rider El Olhei(B) (specify SIGNING BELOW, Borrower accepts and agrees to the terms and to emirs contained in this Security Instrument and in any diarist executed by Borrower and recorded with it. / Signed, sealed and dohvured in the presence of: Witness Signature:_ _.4. __,._, �! F,, Slgnayr ... �=..1%... r i. ! -. __ _. ---. • x Bar now r bbLLIte MAX WILLIAMS Witness Print Name: ,, _.... Signalero� \\ Borrower JJJ\ Wdnass Signature:__ Witness Print Name: �Q ` U N �4 Addrots f _ STATE OF_ Florida_ COUNIY OF Collier_ __ f I hereby certify that on this day, before me, an officer duly authorized In thisslate aforesa doppir the comity aforesaid IV Iako � acknowledgements,pereonallyappeaiod DOLLIi MAX WILLIAMS tome known lobe the porso'niSIdes r 11, anti executed the foregoing Instrument and acknowledged before me that HE/ SHE/ executed the same for the puglt oP yptolh expressed WITNESS my hand and official seal in the County and Stale aforesaid this April 3, 2002. " (� My Commission Expires: `�{ptpfy��,� _ f No Publ sal * D1- Notarys Prinle Name rY �Jj (SEAL) gaaz L "AMS CoIV 7/110 w 000»a10 I IIwM'iMa� 11 can io „od.wp 2996574 OR; 3053• ; 0583 OBLD 15000,00 R OBLI 15000AO Sam o XOtl11OST X0 It URBAN INPROVIXINt AIC0R01D in the OttICIAL 0.1C00.0S of C044I1R COUNTY, !L RIC 111 15100 INTIR 0111Ct 01/1112002 at 07:45AN DKIORT 1. BROCK, CLIRK DOC•,35 52.50 ATIN: WINDY ILOPr SECOND MORTGAGE THIS SECOND MORTGAGE ('Secucly Instrument') Is given on May 10, 2002. The Second Mortgagor is: Guadalupe S. Quinlenillar a. single pones ('Bonomr'). This Security Instrument is given to Collier County ('Lender'), which is organized and existing under the laws of the Unlled Slates of America, and whose address is 3050 North Horseshoe Drive 4275, Naples, Florida 34104. Sonowerowaslanderthesumot Pifleen Thousand dollars (U.S.$ 15. 000. 00). This, debris evidenced by Bofroxrer's Note dated the same date as this Security Instrument ('Second Mortgage'), which provides famanthrypaymanls, with the full debt, It not paid eedler, due and payable on sale of Arrapartyp refircumom# or lose of Intmeattad exemption . This Security Instmment secures to Lender, (a) the repaymenl of the debt evidenced byihe Note, with interest, and all renewals, extensions and modifications; (b) the paymentol all other sum, with interesladvanoodun lorparegraph 7 to Protect Uosearityof the Security Instrument; and (a) the parioonence of Borrowers covenants and agreements under this Secutityinswmonl and the Note. For this purpose, Borrower does herebyseoond m r1gege, grant and convey to Lender the following described property tasted in Co l lier County. Florida.'!!�r Mae perticuleriYdepc bode± Lot 19, COLLIER VILLAGE, ACCORDING TO THE PLAT T�RBO EOP RECORDIN PLAT BOOX 17 r�P, a-¢2-62, PUBLIC RECORDS OP COLLIER COURIV , FLORIDA. POLIOR27192504057 and which has the ad F61", � ('Property Address'): TOGETHER W ITH oil the Imp�ove�enis news hemaha aectedon the property, andall easements, rights, appurtenances, rents, myaltles, mineral, oil end gas dgh iTPd Qrofg9, vaterdgMs and stock and all fixtures nowor hereafter a pad of the property. The Security Instrument shell alsocover ell replaEe'men endadditions.All of the foregoing is referred to in this Security Instrument as the'Propery. BORROWER COVENANTS (ry99 Borrower is lawfully seized of the estate harebycommyed and has the right to Mortgage, grant and convey the Property and that the Prdporly, l9Yrlepcumbered, except for erlcumbmncesolrecom. Barowerwananls end Will defend generally the Ulle to the Property against all clppt(ili demoAfs,0ub)ecltoanyencumbraItc0a of record. THIS SECURITY INSTRUMENT comblpe. nMorm covenants for national use and norrunaotmavenenls with lhMtedvanatlon by judedlotlon to constitute a unlform smudtyInalt UNIFORM COVENANTS. Borrower t. Payment of Principal and lntrom and Interest on the debt evidenced by the Note 2. Taxes, The Mortgagor will pay all I thereon. The Mortgagor shell pay or cause lob any kind whatsoever which may at any time be charges.Including'servIce charges', Incurred Property, and (3) all assassmanh or other go' Mortgagor shall be obligated under the Mortgag of the Mortgage, and shall, promptly after the p 3. Application of Payments. Unless Interest due; and, to principal due; and lest, to, 4. Charges; Liens. Borrower shell p may attain priorityover this Security Inelmmenl, all notices of amounts to be paid under this pet lollom: Borrower shall prompnypaywhen due the principal or s\\ewer rents or water revs after M the accrual of any Pension ainlemst aspsdm sly become due, (Alf) all taxes and govemnlentai charges of be paid in installments over a period of years, the nstall me nts as ere required to bo pad during the term of to Mortgagee evidence of such payment. paymentsreceiveo by Lender Strait be Applied; liml, to �?Zs and la"shlons attnbulable to the Property, which It any. Borrower shall promptly furnish to Lender the payment of the obligation secured by the lien In a menneracceptable to Lender', (b) comesis in good faith the lien by, or defends against enforcement of the lien In, legal prodradi gs which In the Lenders opinion operate to pre tmoenforcementor Mellen; or seares from the holder of the lien an agreement "Usladory to Lentler subordinating the lien to We S9curity)nswment. If Lender delemtines that any part of the Property to subject to a lien, which meyaheln priority over the Securiylnslrufrtent, adder may give Bonowera frolics Idiom ping the lien. Borrower Shell satisfy the lien of take one or more of the actions set lonh above win days of the giving of notice, 6, thousand or Property Insurance. Borrower shell keep the Improvements now sting dr,ppsmaller erected on the Property Insured against toes bytim, hazards included within the ten -extended coverage' ontl any olhez<6efdZ including goods or flooding, for which Lender requires Insurance. This Insurance shall be maintained in the amounts and (or file On that Lender requires. The Insurance center providing the Insurance shall be chosen by Borrower subject to Lenders epp(ove, x: shell not be unreasonably withheld. If Berromrlelle to maintain coverage described above, Lender may, at Lenders option, obtain cgeto gated Lenders rights inthe Pmpertyinamordamewllhparagmph7. At all Trans that the Note is ovlslending,the Mortgagasheil maintin fmsurancewiM respect to the Promisee against ouch daksandforsuch amounts as ere customarilylnsured agalnsland Pay, eitbe g[-Tiabecorne due andpaymble, ell premiums In respect Thereto, Including, but not Ilmiled to , all-risk Insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premises byfrm, formng, and other casualties cuslomecly, Insured against (Including baler explosion, If appropriate), with a unlloml standard extended coverage endo anximl, Including peace removalcovemge. Such Insurance et aNHmesto be In an amount not tens than the full replacement coal of the Premises, exclusive of footings and lountlalions. All Insurance policies and renewals shall be acceptable to Lealerand shall includes standard mortgegedauser. Lendershauhavn the night to hold the policies and renewals, If Lender requires, Borrower shall promptly give to Lender all realpts of paid premiums and mnswal notices. In the event of loss. Borrower shall give prompt notice to the Insurance carrier and Lender. Lentler may make proof of loss If not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or tapir of the Property damaged, It the restoration or repair Is economically leasible and Lenders eacunty, Is not lessened. II the resrofacon or repair Is not economically feasible or Lenders SedulitywouM be lessened, the insurance proceeds shall be applied to the sums secured by the Seanry Instrument, whether or not then due, will any excess paid to Boromr. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the Insurance center has offered to settle a claim, then lender maycoilectthe insurance proceeds. Lender may use the proceeds to repair smotors the Property or to pay sums secured byfli Security Instrument, Wiotherornot then do. The 30- day period wilt begin when the notice Is malled. Unless Lender and Borrower otherwise agree In writing, any application of proceeds to principal shell not extend or Postpone the due date of the =minty payments refund to in paragraph I or change the amount of tto payments. If under paragraph 21 the Property is acquired by Lender, Bomomrs right to Anylnsumnce policies and proceeds resulting from damage to the Property print to the acquisition shell pass to Lender to the agent of the sums secured by this Security instranenl lmnedimety prior to the ecqulslUon. 6, occupancy, Preserira6on, Maintenance and Protection of the Property; Borrower's Loan Application, Leo enoide, Borrower shall occupy, establish, and use the Propertyaa Borrowers principal residencewithin sixtydaysaherdre executed of this Seamy Instmment and shall continue to occupy the Property as Borrowers principal residence fa at least one year after the date of occupancy, union Lender otherwise agrees In wrding, which consent shall not be unreasonably withheld, or union extenuating ciramslances exist which ere beyond Bosomes control. Borrower shall wet destroy, damage or Impair the Property, allows the Plef)" to deteriorate, or oommitmi on the Property. Borrower shalt be In default if any forfeiture Scapa or proceeding, whethercivil of cdminal, is begun that In 1 ,.w,ed.wp OR: 3053 PG: 0584 roav o Lenders good faith judgment could result In forfeiture of the Property or otherwise materially Impair the lien created by this Security Instrument ar Lenders security Interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, bycaming the action or proceeding to be dismissed with a ruling that, In Lenders good faith determination, precludes forfeiture of the Borrowers interest In the Property or other material Impairment of the lien created by this security Instrument or Lenders security interest. Borrower shall also be in default II Borrower, during the loan application process, gave materially false or Inaccurate Inloradon or statements to Lender (or failed to provide Lender With any material Information) In connection with the loan evidenced by the Note, Including, but not limited to, representations concerning Borrowers occupancy of the Property as a principal residence. If this Security Instrument Is on leasehold, Borrower shall con" with all the provlslon of the lease. It Borrower acquires lee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger In writing. 7. Proteotlun of Lender's Rights In the Property. 11 Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there Is a legal proceeding that may significantly affect Lenders rights in the Property (such as a proceeding in bankruptcy, probate, lot condemnation or forfeiture or to enforce laws or regulations), than Lender may do and pay lot whatever is necessary to prolecl the value of the Property and lenders rights In the Property. Lenders actions may Include paying any sums secured by a lien, which has priority over this Security Instrument, appearing in court, paying reasonable altomeys' lees and entering on the Property to make repairs. Although lender may lake action under this paragraph 7. Lender does not have lodo so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree roomer terms of payment, these amounts shall bear Interest from the dale of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance, It Lender required mortgage Insurance as a condition of making the loan secured by this Security Instrument, Borrower shell pay the premiums required to maintain the mortgage Insurance in effect. II, lot any reason, the mortgage Insurance coverage required by Lender lapses or ceases to be In effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to he mortgage insurance previously In effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurancg pre odsly in effect, from an alternate mortgage Insurer approved by Lender. If substantially equivalent mortgage Insurance coverage is no(,a aIlalkle, Borrower shall pay to Lander each month a sum equal to onedwelfth of the Vastly mortgage insurance premium being paid by--f6%rr wer an the Insurance coverage lapsed or ceased to be In effect. Lender will accept, use and retain these payments as a loss raservE�n lieu I mortgage Insurance. Loss reserve payments may no longer be required, at the option of Lender, if mortgage Insurance coverpga (l `Imornounl and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obT nad.k8 nowar shall pay the premiums required to maintain mortgage insurance in effect, or to proven a lass reserve, until the requirement la dItod'ge Insurance ends in accordance with any written agreement between Borrower and Lander or applicable law. 8. Inspection. Lender or,its age br may make reasonable entries upon and inspections of the Property. Lentler shall give BofroWer notice at the lime of or prior�o apt, pection specifying reasonable cause for the Inspection. 10. Condamnalion. The prod s of any award or claim for damages, direct or consequential, In connection with any condemnation or other taking of any penor he Property, or for conveyance In lieu of Condemnation, are hereby assigned and shall be paid to Lender. In the event of etotel taking of lhLProps ,the proceeds shall be applied to the sums secured by this Smuntylnammenl,whether or nor then due, wnh any excess paid to Bo r. -;1 the event of a partial taking of the Property, In which the lair market value of the Property immediately helots the leking is equalo��gqr oiler than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lander often ise agree In writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the /ollowf((9f� gding: (e) the total amount of the sums secured Immediately before the taking, divided by(b)the fait market value of the Property Immedlelely fore the taking. Any balance shall be paid to Borrower In the event of partial taking of the Property In which the lair market vtliiue at (lhho droperryImmediately before the taking is less than the amount of the sums secured Immedlatelyfor the taking, unless Borrower aniYLOna9cottle(wise agree In writing or unless applicable lawolhemise provides, the proceeds shall be applied to the sums secured by this So dtyAS1 menl whether or not the sums are then due. Unless Lender and Borrower otherwise agree in writing, any application of p eedryid'ptincipal shall not extend or postpone the due date of the monthly payments referred to in paragraphs i or change the amount o44€€uchpe pits. 11. Borrower Not Retained, Forbearance By Lendve��t1 C9g,lyalver. Extension of the time for payment or modilkalion of amortization of the sums secured by this Sscudtylnslrumenl granl4d��b,yL not to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers succassorI InIInt. ,Lender shall not be required to commence proceedings against any successor in Interest or refuse to extend lime for payment or 'sid o ity amortization of me sums secured by this Security Instrument by reason of any demand made by the original Borrower or 86mYsccessom in interest. Any forbearance by Lender in exercising any right or romedy shall not be a welver of or preclude the exatcf, 0 of a, fight or remedy. 1Z Successors and Assigns Bound; Joint and Several LlehIn bf3 Thecovenanls and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and B o r,su81ecI to the Provisions of paragraph 17.Borrowers covenants and agreements shall be joint and several, Any Borrower co-slgn@ Is8e ray Instrument but does not execute the Note; (a) Isco•algning this Security Instrument only to mortgage, grant and convoy that r rs Vanier In the Property under the terms of this Saeurily Instrument; (b) Is not personally obligated to pay the sums secured by this Security) Iru1nent; and agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations wilht ardlolhatenreolihis Securiylastrumentorthe Note without that Borrowers consent. / 13, Loan Charges. if the loan secured by this Security nslmmant is subject to h.$ Is maximum banchargee, and that few is finally Interpreted so that lhelnlerest or other charges collected 6ecaliedetl inc�n ectlq�nwith the ban exceed the permed If a refund Jdilg2asfirincipal, the 14, Notices. Any notice to Borrower provided twin this Security Instrument shall be given bydelnreii by mailing ltbyflrsl clan mall unless applicable law required use of another method. The notice shall be dmicled to the PropedyRddress or anyormaddress Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 18. Governing Law{Severabllity. Federal law and the law of the ludsdicaon in which the Properly is located shall govern this Security Instrument. In the event that any provision or clause of this Security Instrument or the Note controls Wth applicable law, such conflict shall not alfectalherprovlslons of this Socudty Instrument or the Note which can be given effect without the conflicting pmyislon. To this end the provisions of this Security Instrument and the Note are declared to be severable, 16. Sorrower'a Copy. Borrower shall be given one cenlormod copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Sonewar. flat( or any pan of the Property or any interest in It Is sold or transferred (or If a beneliclal Interest In Borrower Is sold or translated and Borrower Is not a natural person) Without Lenders pnorwriffen consent, Lender may, et its option, require Immediate payment in full of all sums secured bythls Seadty Instrument. However.Lendershail not exemise this option If federal law as of the dale of this Security Instrument prohibits exercise. it Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less then 30 days from the date the notice Is &livered or malted within which Borrower must pay all sums secured by this Security Instrument. If Borrower tells to pay these sums prior to the expiration of this period, Lender may Invoke any remedles permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Rlghtto Reinstate, Il Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at anytime prior to the ear ter of: (a) 8 days (or such other period as applicable law may sp rdyfor reinstatement) before sale of the Properly pursuant to any power of sale contained in this Security Instrument; or (b) 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 Socumy Instrument and the Note as If no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses Incurred In enforcing this Security Instrument, including. but not limited to, reasonable attorneys lees: and (d) takes such action as Lander may reasonably require to assure that the lien of this Security Instrument, Lenders rights in the Property and Sor owersobligation to pay the sums secured by this Security Instrument shall continue unchanged, Upon reinstatement by Borrower, this Security Instrument and the obligation& secured hereby shall remain fully effective as It no aoceleragon had wourd. However, this right to reinstate shall not apply In w,ed.wp *** OR: 3053 PG: 0585 the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servicer, The Note or a partial interest in the Note (together with this Seci my Instrument) may be sold one or more limos without prior notice to Rorower. A solo may result in a change in the entity(known as the 'Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. There also maybe one or more changes of the loan Servicer unrelated to a sale of the Note. II there Is a change of the Loan Servicer, Bottom( wlli be given Milan notice of the change in accordance with paragraph 14 and applicable law. The notice will state the name and address of the new loan Servicer and the address to which payments should be made. The notice will also contain any other lnformallon required by applicable law. 20. Hazardous Substancee. Renewer shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on orin the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use. or storage on the timperyot small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender Milan notice for any investigation, claim, demand, lawsull or other action by any governmental or regulatory agency or private parry Involving the Property and any Hazardous Substance or Environmental Lawof which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediallon of any Hazardous Substance affecting the Property Is necessary, Borrower shall promptly lake all necessary remedial actions in accordance with Environmental Law. As used In this paragraph' 0,'Hmordous Substances' ere those substances defined as toxic or hazardous substances by Environmental Lawand the loliowing,4ub�egces: gasoline, kerosene, other flammable or toxic petroleum products. toxic pesticides and herbicides, volatile solvents, mallmalac plant asbestos orlorm ilehyde, and radloaclivemalehols. As used In this paragraph 20,'Environmental Law' means federal laws and V, I Iho Jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Aces llr t, ?,; Ram�dlea. Lender shall give notice to Borrower prior to acceleration following Borrowers breach of any covenant or agreement Ip this 59cuilly Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shell sRac(ly; (a) the default; (b) the action required to cure the default; (e) a dale, not less than 30days from the date the notice Is given to Borrower, byNjabhjhe default must be cured; and (d) that failure to Cure the deleult on or belie mediate specified in the notice may result In acceleration of the sums secured by this Security instrument, lorectosure by judicial proceeding and sale of the Property. The notice shall further Inform,Botrower of the right to reinstate alter acceleration and the right to assert in the foreclosure preceding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the dale specifled in the miltCeiLgn 4r, at its option, may require Immediate payment in lull of all sums secured by this Security Instrument without further demand and life foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses Incurred In pursuing the named, s provided in this paragraph 21,Including, but not limited to, reasonable attorneys lees and costs of the title evidence, 22. Relesse, Upon payment of all Sur as' prepp by charge, to Borrower. Borrower shall pay any fecorbatiol osb 23. Attorneys' Fees, As used In this Secudry Inslyr by an appellate court. 24. Riders to this3ecurity Instrument, ifghaprrb, Instrument. the covenants and agreements of each so' ler3 agreements of this Securityinslmmom as ll the door(b) werda ❑ Adjustable Rate Rider ❑ Graduated Payment Rider ❑ ❑ Balloon Rider n u ❑ Olher(s)(specify Security Instrument, Lender shall release this Security Instrument, w 1hool SIGNING BELOW, Borrower accepts and agrees to the terms and executed by Borrower and recorded with It. Signed, sealed and delivered in the presence of: Witness Signature: t Witness Print Name: r Witness Signature:_ •. Witness Print Name: STATE OF_Flodda_ COUNTY OF —Collier_ 'altomeys' fees'shall include any atiomeys' fees awarded Security Instrument. (Check Applicable Box) ovement Rider condominium Rider ❑ Second Nome Rider L i Planned Unit Development Rider In this Security instrument and in any rider(s) j I hereby certify that on this day, before me, an officer duly authorized in the slate aforesaid and in the County aforesaid to take acknowledgements, personally appeared Guadalupe e. Quintmille. tome knowntobe monomania) disi0bedin and who I executed the foregoing Instrument and acknowledged balers me that I(ef SHEITHEY executed the same for the purpose therein expressed. WITNESS my hand and official seal In the County and Slate aforesaid this May 10, 2002. I My Commission Expires; •'i1 FIs.i71i.S •�a. Note Pr+blic's glgpelu�e Notarys Printed Name (SEAL) mrn, Silvia It Puerile : �Couualesloae OIL 1 ritho" a., lea ...s.ed.wp PA • rom ° Rein: 3029539 OR; 3090 PG; 0065 RD1 RICORDID In the OITICIAL RICORDS Of COURR C31i'l. PL 1119ROIIIC11ROR818R0I OR 08113/1002, at 09:07AA BRIGHT I. BROCK. CLERK NINDT NLOPI SECOND MORTGAGE THIS SECOND MORTGAGE ('Security, Instrument') Is given on June 28, 2002, The Second Mortgagor is: BILVERIO RAMI"Z AND J0811eSFIHA RAHIREE, husband a wife OBLD 15000,00 08L1 15000.00 RIC T88 IS,00 DOC-135 53.52 1`Borrower'). This Security Instrument is given to Collier County (lender'). which is organized and existing under the laws of the United Slates of America, and whose address is 3050 North horseshoe Drive 4 2 ? 5 , Names, Florida 34104. Borrower owes Lender the sum of Fifteen Thousand Dollara(U,S.S 15,000.00). This,detlis evidenced by Borrowets Note dated the same data as this Security, asbumont ('Second Mortgage'), which Provides for monthly payments. with the full debt, it not paid earlier, due and payable on sale of property, refinance, or lose of homestead exertion. This Security Instrument secures to Lender; (at the repayment of the debt evidenced by the Note, with interest, and an renewals, extensions and modifications; (b) the payment at all other sums, With interest advanced under paragraph 7 to protect the Secuntyof the Security Instrument; and (a) the performance of Borrowers covenants and agreements under this SecurityInstrument and the Note. For this purpose. Borrower does hereby second mortgage. grant and convey to Lender the following described property located in Cc. I i ei _unty. Florida. in plat book', If p FolioN545503200Q8 and which ties the addmai of ('Property AddrosS');-�! TOGETHER WITH all Ilia royalties, mineral, oil and gas rights Be La Villita Estates, according to the plat thereof recorded 51, of the public Records of Collier County, Florida. and convey the Property and that the Property Isd generally the title to the Property agelnst all Clalmr. THIS SECURITY INSTRUMENT combines jurisdiction to constitute a uniform security Instrumep UNIFORM COVENANTS. Borrower and 1. Payment of Principal and Interest; Pin and interest on the debt evidenced by the Nate. 2. Taxes. The Mortgagor will pay all taxes, thereon. ireaneremeled on the property, andall easements, rights, appurtenances, rents. and stock and all fixtures now or hemattera pan of the property. The Secmity All of the foregoing is referred full this Security Instrument as Ihe'Properly". illy seized of the estate hereby conveyed and has the right to mortgage, grant Bred, except for encumbrances of record. Bormwer warrants and will defend lends, subject to any encumbrances of record. geovenan4s for national use and nonuniform covenants Nth limited variation by as follows: 08. Bonower shall promptly pay when due the principal of Of Water rates prior to the accrual of anypenalties or interest The Mortgagor shall pay or cause to be paid, as the samptr&lud'vely become due, (A)(H) all taxes and governmental charges of any kind whalsoover Which may at any time be lawfully assessed or is d a9alnst or With respect to the Property. (2) all utility and other charges, including 'service charges', incurred or imposed lot the op"Irk field intenance, Use, occupancy, upkeep and improvement of the Properly, and (3) all assessments or other governmental charges oglgeniy IaNyfully be paid In installments over a penotl of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to bu paid pilly�aj,�sh installments as are required to be paid during the term of me Mortgage, and shall, promptly tiller the payment of any of the foregor0, Iprd to Mortgagee evidence of such payment. 3. Application of payments. Unless applicable law provides of e a ;al�aayments received by lender shell be applied;hrsLto interest due: and, to principal duo; and last, to any late charges due under Imes , a \ 4. Cherges;Uens. Borrower shall pay all taxes, assessments, chargI1'5 fi fsa dimpositions attributable to Ilia Property, which may aila(n priority, Over this Security Instrument. and leasehold payments or groundr�_enli,. any. Borrower shall promptly lamlsh to Lendet all notices of amounts to be paid under this paragraph, and all receipts evidencing h ayments. Borrower shall promptly discharge any Ilan Which has priority over this Security Ipslydrnenl unless Borrower (q agmesin wailing to the payment of the obligation secured by the lien in a manner acceptable to lender; (b) c9n{{eefts ingcoal laith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lenders opinion operate toprevehl Itieehfolcement ofthe lien: or tc) secures from the holder the lien an agreement satisfactory to Lender subordinating the lien to this Securi(yln �0eail. If lendertletermines that any pan of the Property is subject to a lien. which may attain priority over the Security Instrument, L'e s give Benowera notice identifying the lien. Borrower shall salisly the Ilan or lake one or more of the actions set forth above Wilh(n 10 qa of the giving of notice. o. nerera or Property insurance. uonowar shall Keep the improvements now dSung Or weafter erected on the Property Insured against loss by ilia, hazards included withn the terrn'extended covemge'and any otherh929[9; IF1�iding if ads or flooding, for which Lender requires Insurance. This Insurance shall be maintained in file amounts end for the pdri ds�ial Lender requires. The insurance carrier providing the Insurance shall be chosen by Borrower subject to Lenders approval, Wine 3h_N1 not be unreasonably withheld. it Borrower [ails to maintain coverage described above, Lender may, at Lenders option, obtain 2yvt a to protect Lenders rights in the Property In accordance with paragraph 7. At all limes that the Note Is outstanding, the Mortgagor shall maintain Insurance with respect to the Premises against such risks and for such amounts as are customarily insured against and pay, as the same became due and payable, all premiums In respect thereto, including, but not limited to, all-risk Insurance protecting the Interests of the Mortgagor and Mortgagee against loss or damage to Ilia Premises by lire, fighhung, and other casualties customarily insured against (including boiler explosion, if appropriate), with a uniform standard extended coverage endorsement. Including debits removal coverage. Such insurance at ail limes to be .n an amount not less than the lull replacement cost of the Premises, exclusive of loolings and foundations. All Insurance policies and renewals shag be acceptable to Lender and shall include a Standard mortgage clause. Lender shall have the right to hold the policies and renewals. it Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carder and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree In waling, Insurance proceeds shall be applied to restoration or repairof the Property damaged, it Ilia restoration or repair is economically feasible and Leaders security Is not lessened. 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 bythe Security Instrument, whether or not then due, will any excess paid to Borrower. II Borrower abandons the Property, or does not answer within 30 days a notice boils Lender that the insurance tamer has offered to settle a claim, then Lender may collect the Insurance proceeds, Lender may use Ilia proceeds to repair or restore Ilia Property of to pay sums secured by this Security instrument, whether or not then due. The O0- day period will begin when the nation Is mailed. Unless Lender and Borrower othermas agree In writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph I or change the amount of the payments. It under paragraph 21 the Property is acquired by Lender. Borrowers right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extentol the sums secured bylhis Security Instrument immediately prior to file acquisition. ,.w,ed.wp from o S. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish. and use file Property as Borrower's principal residence within sixty days alter the execution of this Security Inshumonl and shall continue to occupy the Property as Borrowers principal residence lot at least one year alter the date of Occupancy. unless Lentler otherwise agrees in wiling, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist winch are beyond Borrowers control. Borrower shall not destroy, damage or impart the Property. allows the Property to delenorate. or commit waste on the Property. Borrower shall be in default ll any forfeiture action or proceeding, whether civil or eternal. is begun that in lender's good faith judgment could result in fodedure of the Properly or otherwise materially impaif the lien created by this Security Instrument or Lender's secant ly interest, Borrower may cure such a default and Omelets, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination. precludes forfeiture of the Borrowers interest in the Properly or other material impartment of the lien created by this Secunty Instrument or Lenders securityinterest. Borrower shall also be m ilefmdl if Borrower. during the loan application process, gave materially false or inaccurate information of statements to Lender (or faded to provide Lender with any material information) in connection with the loan evidenced by the Note, including. but not limited to, representations oacemuug Borrowers occupancy of the Properly as a principal residence. If this Security Instrument is on leasehold. Borrower shall comply vnln all the pros earn of the lease. 11 Borrower acquires fee title to the Property, the leasehold and the fee Idle shall not merge unless Lentler n9mes to the merger in wailing. 7. Protection of Lender's Rights In the Property, It Borrower falls to perform the covenants and agreements contained in this Souoay instrument, of there is a legal proceeding that may signilicaney affect Lenders rights In the Properly such as a proceeding in I inumlecy.probate. lot condemnation orforhatufe or to enforce laws or regulations), then Lender may do and pay for whatever is necessary h: protect if to value of the Properly and Lenders rights in the Property. Lender's actions may Include paying any sums secured by a lime. 2 inch has priority eve( this Security Instrument, appearing in count. paying reasonable attorneys' lees and entering on the Property to make l opens. All hough Lender may lake action under this paragraph 7. Lender does not have to do so, Anyanounls disbursed by Lender under this paragraph 7 shall become ppdi illonai debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other genre of payment, these 2 b tits hall bear Interest from the date of disbursement at the Note rate and shall be payable, with interest, upon nonce from Lender to Oar b gquesling payment. B. Mortgage finer, rm5ei\I Lender required mortgage Insurance as a condition of making the loan secured by this Security Instrument Borrower shall pay\ihe pr returns fequned to maintain the mortgage insurance in effect. 11, for any reason. the mortgage assurance coverage re, uired�by-Len erIt%@f sea or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent Ig the mOr(gage inxsurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously ill ell�gqcebaln an alternate mortgage insurer approved by Lender. It substantially equivalent mortgage asot assurance coverage is ngvailabtar9orrower shall payto Lender each month a sum equal to one -twelfth of the yearly mortgage insurance prennum being paid by Borrower when the Insurance coverage lapsed or ceased to be in effect. Lender oil accept, use and ratan these paymonis as a loss reserve in lieu of racggage klsmance. Loss teserve payments may no longer be required. at the option of Lender. if mortgage insurance coverage (in the amount d lot the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Bori hall paythe premiums required to maintain mortgage insurance in elect. offer provide a loss reserve, until the requirement for mortgage nsgranl00 ds in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent May ma i Paasonable entries upon and inspections of the Property. Lender shall give Burrower notice at the time of or prior to an InspeiYkin 'spetily ng reasonable cause for the inspection. 10. Condemnatlon. The proceeds of an(t A,sJ,a'to' r claim lot damages, direct or consequential, m connection with any condemnation or other taking of any part of the Property, ��i(or cyn eyance in lieu of condemnation. are herebyassigned and shall be paid to Lender. In the event of a total taking of the Property, the (+(ofeldss all be applied to the sums secured bylhes Security instrument. whether or nol then due, with any excess paid to Borrower. In the Air j_. aparttaf taking of the Property. in which the lair market value of the Propetyienmediately before the taking is equal loorgreale'l nihearjf unit of the sums secured by this Security Instrument Immediately before the taking, unless Borrower and Lender otherwise agree in Oft gi he sums secured by this Security Instrument shall be reduced by Tile amount of the proceeds multiplied by the following Iractiodr(a) the �lAq,amount of the sums secured immediately before the taking. dwarfed by(b)the lair market value of the Property immediately 6eip�tfiagaklgg. Any balance shall be paid to Borrower in the event of partial taking of the Property in which the fair market valueol the Proper immgilialely before the taking is less than the amount of the sums secured Immediately for the taking, unless Borrower and Lender Other as a re wrung or unless applicable law otherwise provides the proceeds shall be apphad to the sums secured by this Security Instrument elkr or not the sums are then due. Unless Lender antl Borrower otherwise agree in writing, any application of proceeds to prmnpall 5If�ig `trot extend or postpone file due date of the monthly Payments referred to in paragraphs i or change the amount of such paymep . il. Borrower Not Released, Forbearance By Lender Not a Wei�or.' Fjltension of the time for payment or modification of amorbzalion of the sums secured by this Security Instrument granted by lender 1p a, y sdcbessor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers successors in interest. 'LPn,it3�1hall not be required to commence proceedings against any successor In interest or refuse to extend time lOr payment or olitetxise m=1 etherization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrowers suoodhfiers to interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or teyiredy. 12. Successors and Assign Bound; Joint and Several Liability;Co•Signeia,e covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject tolhePt sronsolparagiaph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who cosigns this Secunry,,ldsirumy°r�'f our does not execute the Note; (a) is cosigning this Secunty Instrument only to mortgage, grant and convey that Bonowers inleres4id9h§P operty under the terms of this Security Instrument; of (a not personally obligated to pay the sums secured by this Security Inslrume9C No (y) agrees Thal Lentler and any open Borrower may agree to extend, modify, forbear or make any accommodations with regard to tit€ termstlf I 's SecunIyInsUumAmI orlhe Note wilhoul that Borrower's Consent. 13. Loan Charges. ll the loan secured by this Security Instrument is subject to a law which sets maxim ar, loan charges, and that law is finally interpreted se that the interest or other loan charges collected or l0 be collected in conaectioddor the loan exceed the permitted h mils, then: (a) any such man charge shall be reduced by the amount necessary to reduce the charge to the permllled 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 Ilia Note or by making adirect payment to Bonower. It a rotund reduces principal, the reduction will be treated as a panlal prepayment without any prepayment charge under the Note. ie. Notices. Any notice to Borrower provided for in this Secunty Instrument shall be given by delivering if or by imaging it by first class mad unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address borrower designates by notice to Lender, Any notice to Lender shall be given to Borrower or Lender when given as provided in this Paragraph. 16, Governing Low; Severabtllly. Federal law and the law of the Jurisdiction in which the Property is located shall govern this Security Instrument. In the event that any provision or clause of this Secunty Instrument or the Note conflicts will applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without lheconllkling provision. To this end Ilia provisions of this Security Instrument and the Note are declared to be severable. i6. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Secunty Instrument. 17. Transfer of the Property or a Beneficial Interest In Borrower. If all or anypaduf the Properlyor anyinieresl ill it is sold or transferred lot if a beneficial Interest In Borrower Is sold or transferred and Borrower is not a natural person) without Lenders prior ver consent. Lender may, at its option, require Immediate payment in lull of ail sums secured by this Secunty Instrument. However, Lender shall not exercise this option if federal law as of the date of its Secunty Instrument prohibits exercise. It Lender exercised this option, Lender shall give Borrower notice o1 acceleration, The notice shall provide a period of not less than 30 days from the date the notice is delivered or nailed within which Borrower must pay all sums secured by this Security Instrument. II Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Secunty Instrument without further notice or demand on Borrower, w�ed.ev PORN O 18. Borrower's Right to Roinslele. If Borrower meets certain conditions. Borrower shall have the fight to have enforcement of this Security Instrument discontinued at any time pilot to the earlier of : (a) 5 days (or such other period as applicable law may specify for remslalemenq before sale of the Property pursuant to any power of sale contained in In($ Security Instrument: or (b) entry of a judgment enforcing [his Security Instrument. Those conditions are that Borrower (a) pays Lender all sums which then would be due under this Secur ry Inslrumenl and the Note as it no acceleration had occurred; (b) cures and default or any other covenants or agreements: (c) pays all expenses incurred in enforcing [his Secunly Instrument, including. but not headed to, reasonable a8omeys lees. and (d) lakes such action as Lender may reasonably require to assure that the lien of this Security Instrument. Lenders nghls in the Propertyand Borne er's Obligation to Day the sums secured by this Security Inslrumenl shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and hoohbgaions secured hereby shall remain fully effective as if no acceleration had occurred However, this tight to reinstate shalt not apply uI Ifm case of acceleration underparagraph 17. 19. Sole of Note; Change of Loan Servitor. The Note or a Lateral interest in the Note (together with this Security Insimmenp pray be sold ono or more times without prior notice In Borrower A sale may resultm a change in the entity (known as the 'Loan Sandifer') that cdnecls monthly payments due under the Note and th;s Security Instrument, The Is also may be one or more Changes of the Loan Servicer ,mrremem to a sale of the Note. If there is a change of the Loan Services Borrower will be given wnllen notice of the change in accordance will, paragraph 14 and applicable law. The notice will state the name and address of the new Loan Seencet and the address to which paymanls should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use. disposal, storage, or release of any I I;i7arduus Substances an or In the Property. Borrower shall not do. nor allow anyone else to do. anything affecting the Property that is In woialto if of an) Environmental Law. The preceding two sentences shall not apply to the presence. use. Or storage an the Property of small quanlltem of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of file Property. Borrower shall promptly give Lender written notice for any investigation. claim, demand. lawsuit or other action by any governmental or regulatory ag icy or private party Involving the Property and any Hazardous Substance or Environmental Law of Which Burrower has actual inic d . If Borrower learns. or Is Doubled by any governmental or regulatory aumonly. that any removal or other `ontedlabon of any hfaze ou95,tance affecting the Property is necessary. Borrower shall pm rOpal llytake all necessarymmedactions in n:rmdance with Envuo ru a Laws As used In this paragraph 20.'Hazardous Substances' are those substances defined as toxic or Ilazaulous substances Uy Enw into tat Law and the tollowing substances gasoline, kerosene, other deferrable or toxic petroleum preducls, toxic pesticides and hgmici a volatile solvents, materials containing asbestos or formaldehyde, and radioactive funerals. As used fit line paragraph 20,'Envr ntoLaw' means lacteal laws and laws ofthejunnfiGbon where the Propedyts located that relate to tooth. safety or environmental praised n 21. Acceleration; Rome 16s. lender shall give notice to Borrower prior to acceleration following Borrower's breach at any covenant or agreement m this Security Inslrum¢nl (but not prior to acceleration under paragraph 17 unless applicable law provides nitienrise) The notice shall speclly: ja)Ihd shey :(b) the action required to cure the defaulChot a date. not less than dU days hum the date i It,, nerve is given to Borrower, by which the Jefptill must be cured; and (d) that failure to cure the default on or before the date specified in tire noix o may result in acceleration of Ihesym s seared by this Security Instrument. loreclosure by judicial proceeding and sale of the Property The notice shall ludhar inform Bdnower of the right to reinstate after acceleration and the night to eased in the foreclosure p: ecedmg the nonexistence 01 a default or any olly'deleitse of believer to acceleration and foreclosure. It the default is not cured on or bofof0. file dale specified in the police. Lender, at its pill h, may require immediate payment in full of all sums secured by this Security Instmmem without further demand and may foreclose lhl5$ec nlylnslrumen leyjudiciaiproceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided lnv a t h2l.mcluding,bul not limited to. reasonable attorneys fees and costs Of IIIe title evidence. \ 22. Release, Upon paymenlof all sums secudGQ bb� pit's, curtly Instrument, Lender shall release this Security InsWmeni without Charge, to Borrower, Borrower shall pay any recordation c6sls. 1 23.Attorneys' Fees. As used in this Security read anfuldithe Note,-auomeys'fees'shanmclude any attorneys fees awarded by an appellate court. / t 24, Riders to this Security Instrument. It one or mof�ders a.4xeculed by Borrower and recorded together with this Secunly, lienurnen1. the covenants and agreements of each such titlet shall ba 0 rated into and shall amend and supplement the covenants and agreements of this Security Instrument as it the fider(s) were a part of tom' pfity Instrument. (Check Applicable Box) f Adjustable Rate Rider Li Rate Ire r. I,-, 1 Rider �j p Condommmm Rider kJ Graduated Payment Rider LJ 1.4 Family R0te� �� u Second Horne Rider LJ Balloon Rider u Biweekly PaymenpRrtlei u Planned Unit Development Rider u Olher(s)(specdy SIGNING BELOW, Borrower accepts and agrees to the terms and covenants conlamedipghisyecunly Instrument and in any noerlsl executed by Borrower and recorded will, it. l t Signed sealed and delivered in the presence of: 4V'htess Signature: Signaler 4{„�_, Z ice. Burro r SILVSRIO AANI `Nnness Print Name:_ L. 1 ,4j�____ Signaler \^( Borrolu6i J03P6RItU AANI Witness ness Signature:r__ (, �) 1•'Qw. Witness Print Name: sl L`fiA L Address 202 Madison Ave -rnmokalee, Fier Ida Sq L;C STATE OF —Florida_ COUNTY OF I hereby noddy that on this day, before me, an officer duly authorized in the state afore aid and in the County aforesaid to take acknowtedgemenis,polsonallyappeared SILVERIO RARIR&Z AND JOSPRFIHA RANIREZtomeknowniobethepersenis) described an and who executed the foregoing instrument and acknowledged before me that HE' SHE/ THEY executed the same for the purpose therein expressed. WITNESS my hand and official se I in the Coy- .1 le aforesaid this June 28. 2002. kty Commission Expires: _ J(.C_ Notary Put, SI store — -- Nalerys Pnnled Nem ----""" (SEAL) �y09�ee%a l",Yn �- Gx$rlhliea<Wi:p OPuente Exp(nx 0.YIr7DO4 3 "TT�, Mimic honest ox, toe • . 0AL0 MAh nn 00L1 15000.00 3024310 OR; 3083 PG; 2512 RIC 111 15.00 Hetn: HOUSING 6 OR/AN INPAOVININT RECORDED SG the 011ICtAL RECORDS Of COLLIER COUNTP, IL OOC•.35 52.50 INTIR OIIf0I 08/02/2002 at 01:16AK DN10HT 1. BROCK. CLARK ATTN: NINDT ILOPP BECONO MORTGAGE THIS SECOND MORTGAGE ('Security Instrument') Is given on June 20, 2002, The Second Mortgagor is SULYNE RCIROS, a ainvle mean ('Borrower'). This Security Instrument is given to Co' tier county I'Lender), which is organized and existing under the laws of the United States of America, andwhoseaddress153050 North Horseshoe Drive 0275, Naples, Florida 34104. Borrower owes Lender the sum of Fittaen Thouaaad loollarrit 15,000.00 ). This, debt is evidenced by Borrowers Note dated the same dale as this Security Instrument ('Second Mortgage'), which provides for77W7"payments, with the full debt, it not paid cartel, due and payable on sole of property, retinenac, or Ion of hoeeataad exception. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with Interest, and all renewals, extensions and modifications: (b) the payment of ell other sums, with Interest advanced under paragraph 7 to protect the security of the Security Instrument; and (0) the performance of Borrower's covenants and agreements under this Secunlylnsaument and the Note. For this purpose. Borrower does hereby second mortgage, grant and convey to Lender the following described property located In Coll ter County, Florida. More panlcula lydosCribod as Lo 39. Collier Village, as recorded in Plat Book 17, Pages 60-62, Public Records of Collier County, Florida. Fo11oN27192606056 and which has the address ('Property Address'): �1:, Cf=' 35 Hope Circle. I wL U I FILM wM an ma Improvements now or hereafter erected on the property, and all easements. rights, appurtenances, rents, royalties. mineral. oil and gas rights antl profits,`�'�ter rlgIn and stock and all fixtures now or hereafter a pad of the property. The Security Instrument shell also cover all reptecertiepls tin4/�ddllons. All at the foregoing is rate mad to in this Security Instrument as the'Propory. BORROWER COVENANTS Ihei3o0bwar Is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and Convey the Property and that the Props�llsunen0umbered,exceptforencumbramesolrecord. Bonowerwanan(s and wAl defend generally the title to the Property against all claim of 6Q;mends, subjeoi to any encumbrances of record. THIS SECURITYINSTRUMENT cam0lniSb utiiI mi covenants for national use and nomu011omlcovenanis with limited variation by jurisdiction to constitute a uniform security Insbure01QG4ertno real property. UNIFORM COVENANTS. Borrower andYendar' cV4non[ and agree as followsr 1. Payment of Principal and lnhret Ya Pre pC ,,' dLate Charge. Borrower shall promptly pay when due the principal of and Interest on the debt evidenced by Ins Note.,�)',,•.,•lY (hereon. 2. Texas. The Mortgagor wgl pay all lakes assume IS. ;fSilver rents or water rates pdorto the accrual of anypenallies or interest // The Mortgagor shall pay or muse to be paid, as thegpmere Ovely became due.(A)(1) art taxes and governmental charges of any kind whatsoever winch may at any time be lawfully eeeol,y -e against or vein respect to the Property, (2) all utility and other charges,Including'eervice, chages', Incurred or Imposed for the' fail .M(ntenartche,use,Occupancy, upkeep andimprovemrmtoi the Property, and (3) all assessments or other governmental charges She In@y 1eivAully be paid In installments over a Period of years, the Mortgagor shall be obligated under the Mortgage to payoruth6e to beperd Ogiy h installments as are ragWred a be paid during the term go of the Mortgage, and shall, promptly after the payment of any of the forefd to Mortgagee evidence of such payment. 3. APPllaallon of Payments. Unless applicable law providesothpidso' all yments recalved by Lander shall be applied: had, to Interest due; and, to principal due; and lest, to any late chat due undef the�Lfgf e 7, 4. Charges; Urns. Borrower shall pay all lazes, assessments, ChsggS,Nnea Pntl Imposition$ atMbutable to the Property, which oonower enan prompoyalsonerge anyllen which has pdodtyoverthis Secu ltr' yffislrumento nless Borrower: (e) agrees in wrierg to the payment of the obligation secured bythe lien Ina manner acceptable to Lender, (b) contest sin ,good faith the lien by, ortleends ageinsl enforcement of the lien In, legal proceedings which In the Landers opinion operate to prove ONth� etrforce"I'lof the lien: or (cl secures from the holder of the lien an agreement SaUsfeciory, to Lender subordinating the lien to this Sechhriryty(n numi If Lender determines that any part of the Property Is subject to alien, which mayatlain priority over the Security Inslrumenl,.Lgndef--m4yglve BINrM\Er8 notice identifying the lien. BOAMWOr shall satisfy the Ilan or take one or more of the actions set forth above within do doy�of the giving of nonce. 5. Hazard or Property inetsnce. Borrower shall keep the Improvements now ¢ sytlng q) areeiler erected on the Property Insured against lose by fire, hazards Included within the(em,'extended covarage'and any other eh, bfdys i luding heads or flooding, for which Lender requires Insurance. This Insurance shall be maintained In the amounts and for Itig.ppii d2 that Lender requires. The insurance tamer providing the Insurance shell be chosen by Borrower subject to Lenders approval, which bell not be unreasonably withheld. If Borrower fells to maintain coverage decribed above, Lender may, at Lenders option, obtain cove2get?protect Lender's rights In the Property In accordance with paragraph 7. At all Hines that the Note Is outstanding, One Modgagorsho plalntain Monaco with respect to the Premises against Ouch risks and for such amounts ea she customadly Insured against and pay, es the same become due and payable. Oil premiums In respect thereto. Including, but not limited to, all•riak Insurance prolecting the Interests of the Mortgagor and Mortgagee against loss or damage to the Premises by lire, Ilghtning, and other casualties customarily insured against (Including boiler emloarm, it appropriate), with a uniform standard extended coverage endorsement, Including dehas removalcovamge. Sucb insurance al ail0mes tote In an amount not lose than the lull replacement cost of the Premises. exclusive of footings and loundations. All Insolence policies and renewals shell be acceptable to lenderandshall rklude a standard mortgageclause. Lendershallhavr the right to hold Ih=pollcfps and fenewmle If Lender mqulres. BOrro.ve' ShOu Pmmplly give in bender sit rocelprs of paid memiums ary ronswal notleas. In the event of Ives. Borroworshall give prompt notice to the Insurance cattier and Lender. Lender maymake proof of loss It not made promptly by Borrower. Unless lender and Bonower otherwise agree In writing, Insurance proceeds shall be Wiled to res(omfion or reps lthe Properly damaged, R the tes(aration or repair Is economically feasible and Lenders security Is not lessened. II the restoration or repair is not economically feasible or Lenders seouritylvould be lessened the Insurance proceeds shall be applied to the sumssecured by the Security Instrument, whether or not then tlue, with any excel paid to Schreyer, If Borower abandons the Property, drones not answer within 30 days a notice from Lender that the Insurance carder has offered to softie a claim, then Lender maycollec( Ina insurance proceeds. Lender mayuse the proceeds to repair or restore (he Propertyor to PAYNUM secured bythis Security Instrument, whether or nolNen due. The 30- day period will begin when the notce its malted. Union Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due data of " monthly payments referred to In paragraph 1 or change the amount of the payments. II under paragraph 21 the Property Is acquired by lender, Borrowers right to any Insurance policies and proceeds resulting from damage to the Propertypdor to the acquisition shall pass to Lender to rho extent of the Sums secured by this Security Instrument Inxnedialely prior to the acquisition, 6. Occupancy, Preeervatlon, Msineemum antl Pro"relon of the Property; Borrowses Loan AppNcNyn, Leeltolds, Borrower shall occupy, establish, and use the Property as Borrowers principal residence wind sixty days after the execution of this Security Instrument and shall continue to occupy the Property es Borrowers principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in wdting, which consent shall not be unreasonably w0hhold, or unless extenuating circumstances exist which are beyond Borrowers Control. Borrower shall not dostroy, damage or Impair Iho Properly, allows rho Property to deteriorate, or commit waste Uri the Property. Borrower shall be In deleuli It any 10001tum action or proceeding, whether civil or criminal, is begun that in 1 •=wred.wp foul o Lenders good faith judgment could result in fodellum of the F Instrument or lenders secunlymm est. Borrower may cure such or proceeding to be dismissed with a ruling that, In Lenders goo( Property or other material Impairment of the Ilan created by this S default If Borrower, during the loan application process, gave mat provide Lender with any material information) in connection with P tensity Impair the lien created by this Security s provided In paragraph 18. by causing the action dudes lodeilure of the BOrmwers Interest in the derssecunlyintorest. Bottoworshallalsobein information or statements to Lender (or failed to Vole, including, but net traded to, representations concerning Borrower's occupancy of the Property as a principal residence. It this Security Instrument Is on leasehold, B000wershali comply will all the provision of the lease. If Borrower acquires lee line to the Property, the leasehold and the lee fille shall not merge unless lender agrees to the merger In writing. 7. Protwllon of Lender's Rights In the Property. It Borrower falls to Panora the covenants and agreements contained in this Security Instrument. or there Is a legal proceeding that may significantly allect Lenders rights in the Property (such as a proceeding In bankruptcy, probate, for condemnation orfortellure or to enforce laws or regulations), then Lender may do and pay fa whatever is necessary to protect the value of the Property and Lenders rights In the Property. Lenders actions may include paying any sums secured by lien, which has prlorily over this Security Instrument, appearing in court, paying reasonable anomaye lees and entering on the Property to make repairs. Although Lender may lake action under this paragraph 7, Lender does not have to do so. Any Amounts disbursed by Lender under this paragraph 7 shall become additional debt or Borrower secured by this Security Instrument. Unless Borrower and Lender agree toolher terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, will interest. upon notice from Lender to Borrower requesting payment. 9. Mortgage Insurance. It Lender required mortgage Insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage Insurance In effect. 11. for any reason. the mortgage insurance coverage requited by Lender lapses or ceases to be In alfecl, Borrower shall pay the premiums required to obtain coverage substantially equivalent torho mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage Insurance previouryry I effect, from an alternate mortgage Insurer approved by Lender. If substantiallyequivalent mortgage sne>`av Insurance coverage Ie, Borrower shall pay to Lender each month a sum equal toone-hserin of the yeady mortgage Insurance premium being paid by I l rwhen the Insurance coverage lapsed or ceased to be in effect. Lender wil accept, use and retain these payments as a loss rasa In, uol ortgage Insurance. Loss reserve payments may no longer be required, at the option of Lender, it mortgage Insurance coverage. in the, reount and for the period that Lentler requires) provided by an Insurer approved by Lender again becomes available and is obtain fOrolirr shall pay the premiums required to maintain mortgage insurance in effect. or to provide a loss reserve, until (be requirement for mortgefinsurance ends In accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or Its agent rpay make reasonable entries upon and Inspections of the Property. Lender shall give Borrower notice at the time of or prior to An]ji¢pgtIlan specifying reasonable cause for the Inspection, 10, Condemnation. The orticp dl of any award or claim lot dame as direct or n lender. In the event of a lolal tali or not then due, Will any excess the secured Immedlatetyfor the it proceeds shall be applied to Borrower otherwise agree In payments referred to In Patel 11. Borrower Not 9 co sequenlra, In connection win any I or th ropey, or for conveyance in lieu of condemnation, are herebyassgrretl andshallbepaulto haPopey, a raeedsshall lea applied to me sums secured by this ins(mrnnl, whether o Bonow e Mutt event of a partial taking of the Property. In which the fair market value of the s equal ip orgra(6lahan the amount of the sums secured by this Security Instrument Immediately onderoll�'aNmdia.app(aqin ting, the sums secured bythls Security Instrument shall be reducedby )y the to towrg�i�BBo(y..jA) the total amount of the sums secured immediately before the taking, a Pro pey ImmegISIof' D tore the taking. Any balance shall be paid to Borrower. In the event of a fair mark et velij�ol�li�Pr immediately before the taking is less than the amounl of the sums as Bono wereA Lads p0fA as agree In writing or unless applicable law otherwise provides, the Secured by Is Secu In ant whether or not the sums are then due. Unless Lender and ty application of p edajiryrclost shall not extend or postpone the due dale of the mummy release the liability of the original Borrower or I against any successor In Interest or refuse to el Instrument by reason of any demand made by exercising any right or remedy Shall not be a w 1. Extension of the rime for payment or any successor in interest of Borrower Shr Am in Interest, or remedy, neaun(ent omen oma one oenent mS euCCASaom and assigns of lender and Bono Sd to me Provisions of paragraph 17. Borrowers covenants and agreements shall be joint and several. Any Borrower who co�sgnslhs$ nylnstmmenl but does not execute the Note, a) is co-signing this Security Instrument only to mortgage, grant and convey that Boomrstnlemest in the Property under the terms of this Security Instrument; (b) Is not personally obligated to pay the sums secured by this Securf�l Note without that Borrowers consent JnStnfrMM: and (0) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with to( n ihAe feats of this Security InsWmeni orthe , 13. Loan CharyU.It the loan secuadbythis Security lnstrureenlis subjectio alaxrw �Oti`s smaxlmumloancharges,antllhal law Is finally Interpreted so that the Interest or other loan cheiges collected or to becollActed lnCof(necfi ththe loanexceed the permitted flails, then: (e) any such loan charge shell be retlucetl by the amount necessary to reduce lheciiergen,aa'¢nniaed limit; and (b) any sums almadycollected from Borrower which exceeded permitted limits will be refunded to Borrower. Left ay coseto make this refundby reducing the principal owed under the Note or by making a direct payment to Borrower. It a refund FFeetld pri oipal, the reduction wit be treated AS a partial prepayment without any prepayment charge under the Note. : ,5-. �, rin class mall unless applicable law required use of another method,) The nonce shall be directed logihe P opeeFry Address or any otheraddressBorrower designates by notice to Lender. Any notice to Lender shall be glum to Borrower or Lender when given as provided In this paragraph. 15. Governing Law; Beva/ablllty, Federal law and the law of the Jurisdiction In which the Propetos located shall govern this Security Instrument. In the event that any provision or clause of this Security Instrument or the Note eonlikts wth applicable law, such conflict shall not affect other provisions of this Securiylnstrumenl or the Note which can be given effect without the conlfictingprovision. To this and the orovielons of this Security Instrumonl and the Note am declared to be severable. 16. Borrower's Copy. Borrower shall be given One conformed copy of the Note and of this Security Inslrumenl. 17. Trenefer of the Property or a Beneficial INarNt In Borrower. If all or any pan of the Propeyor any Interest in it sold or transferred (or If a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at Its option, require Immediate payment in lull of all sums secured bythls Security Instrument, However, Lender shell not exercise this option it federal law as of the date of this Security Instrument prohibits exercise. It Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not lees than 30 days from the data the notice is delivered 0r mailed within which Borrower must pay all sums secured by this Security Instrumonl. If BOrrowm falls 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, Ill- Borrower's Right to RAinslate. It. Borrower More Ordain conditions, Borrower shall have the fight to have enforcement of this Security Instrument discontinued at Ally time prior to the eadler of : (a) 5 days (or such other period as applicable law may speciy for reinstatement) before Salo of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enfomIngthle8uttrylnstmmenl. Those conditions are (hat Borrower (a) pays Lender allsumswhich men would bedue undertha Security Instrument and (he Note as II no acceleration had occurred; (A) cures and default of any other covenants or agreements; (c) pays all expenses Inured In enforcing this Security instrument, Including, but not limited to, reasonable 8#011 s fees; and takes suchaction as Lender may reasonably require to assure that the lien of this Security Inslmmenl, Lenders rights in the Properlyand Borrower's obligation to pay the sums secured bythls Secunylnsirumem shell COMMO unchanged. Upon mins(alementby Borrower, this Security Instrument and the obligallone socuredherebyehall remain lultyeffecnveas if noamtotallon had occurred. However. this fight to reinstate shall not apply In the case of acceleration under paragraph 17, uteri. wp 0 rom o to. Seth of Note; Change of Loan Smk»r. The Note Ora partial lMorest In the Note (together wfih this Socuntylnstmmenl) may be sold one or more times without prior nollce to Borrower. A sale may result Ina change In the entry fknown as rho 'Lon Bernier') that collects monthly payments due under the Note and this Security instrument. There also maybe one or more changes of the loan Servker unrelated to a sale of the Note. It there is a change of the Loan Servicer, Borrower wel be given Milan notice of the change In accordance with paragraph 14 and applicable law. The notice will state the name and address of the new Loan Senacer and the address to which payments should be made. The notice will Also contain any Other Information required by applicable law. 20. Haesrtlous Substances. Borrower shall not cause or Permit the presence, use, disposal, storage. or release of any Hazardous Substances on or In the Property. Renewer shall not do, nor allow anyone else to do, anytNng affecting the Property that is in violation of any Environmental Law. 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. Borrower shall promptly give Lender written notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private parry Involving the Property one any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any govemmentat or regulatory authority. that any removal or other remedlation of any Hazardous Substance affecting the Property is necessary, Borrower shall promp lylake all necessarymmedial actions in accordance with Environmental Low. As used In this paragraph 20, 'Hazardous Substances' are those substances defined as toxic or hazardous substances 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 matelots. As used in this paragraph 20,'Envlronmonlal LaW means federal laws and laws of the Jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. covenant or olherwiae). 1 the notice is I the nollce m notice Instrument without further demer expenses Incurred In pursuing IN of the title evidence. 22. Helena. Uponpa charge, to Borrower, Borrowers 23. ANomeys' Faas. , by an appellate tour. 24. Riders to this Sec Instrument, the covenants and at agreements of this Security Inslr ❑ Adjustable Rate Rider 0 Graduated Payment Rider 13 Balloon Rider i, Lender shell give notice to Borrower prior to acceleration following Bonower's breach of any z Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides the default: (b) the action required to cu,e the default; (c) a date, not less than 30days from the date the default must be cured: and of that failure to cure the default on or balers the dale specified in the sums secured by this Security Inslmmem, foreclosure by judicial proceeding and sale of the m Borrower of the right to reinstate alter acceleration and the right to assert In the loreclosure ICA( other defense of Borrower to acceleration and foreclosure. If the default is nolcured on or Cepder, at its option, may require Immediate payment in lull of all sums secured by this Security nay foreclose this Security Instrument by judicial proceeding Lender shall be enbued to collect all 9ps provided In this paragraph 21. including, but not limited to, aeasonabre altomeys lees and costs as if the El Other($)(speoity SIGNING BELOW, Borrower accepts and agrees to the terms executed by Bonower and recorded with it. Signed, sealed on oil v'eredin the presence at: / Witness Slgnaturef,&_aAI - epoityinsbumenl, Lender shall release this Security lnshumeOl, wilhoul K' xa and the Nole,'altomeyslees'shall include enyattomeys' lees awarded x PCs ders by Borrower and together this Security >e Incorporated Into and shall emend andaupplertrenlmecovenents and A Incorporated into Wo of this Security Instrument (Check Applicable Box) n its Improvement Rider LJ Condominium Rider m W ti��ily Rider t� Second He" �d � i'. )ve.jY aymenl Rider LI Planned Unit Development Rider xv k\nteined in this Security Instrument and in any rider(s) `A el coverfari k Witness Pilot Name: rr'yr 4y c,} Borrower Witness Signature: Witness Print theme:__ Address. 635 No a 'i, cle. Immoka]eel: Florida 34,42 STATE OF_ Florida- COUNTY OF_ Collier,__ J 1 I hereby cenity that on this day, before me, an officer duly authorized In the state aforesaid and in INV pounty aloresald to take acknowledgoments, personally appealed iViLYNX AOI11108 to me known to be the persons) described In and who executed the foregoing Instrument and acknowledged before me that HE/ SHE) THEY executed the same for the purpose therein expressed. WITNESS my hand and official seal in the CountyandState aforesaid this June 20, 2002. My Commission Expires:��� Ku-�-� N�otary ubllcs Igna r 9,)L00��1 Not rys nled Name (SEAL) Evell �roA 2a ..sirtd. wp 0 OBLD 15000.00 • OBLI I5000.00 3025880 OR: 3085 PG: 2218 Ric its I5.00 Rote: roost 0 ROOSINO R URBAN IXPROVIXIXT RECORDED in the OIPICIAL RECORDS of COLLIER COUNTY, PL DOC•35 s2,50 MEN 011I0 01/04/2002 it 07:11AN OVIGBT 1, BROCA, CLIRA ATIN: NEW ILOPT 86COND MORTGAGE THIS SECOND MORTGAGE ('Security Instrumenl') Is given on duly 29, 2002. The Second Mortgagor Is SHARON Ir►ncS, a Married warn ('Borrower). This Security Instrument Is given to Collier County ('lender), which is organized and existing under the laws of the United States of America, and whose address is 3050 North Horseshoe Drive e145, Naples, Florida 34104. Sorrowerowes Lenderthesumof ►llteen Thousand Dollara(U.S.B 15,000.00). Thls,debtis a.iidarwui by Rnrrnwero Nola come Me same date ea M13 Socuow Inetu m('Second Mortgage'), which provides for monthlypayments. Win the lull debt, if not paid earlier, due and payable on u1a os DroDarcY. rerawRw, or saes cur nw..c.au .ortmtioa�, This SOoudty Instrument secures to Loff (a) Me repey�nenl of Me debt a Mencad by the Note, with Inmost, and all renewals, extensions and modifications; (b) the payment of all coast sum, with Interest advanced underparoomph 710poted the securltyoi the Socurily Instrument; and (c) the pedormance of Borrowers cov trumes and agreements enderthla Security Instrument and this Note. For this purpose, Borrower does hereby second morlgage, grant and convey to Lender the following described property located in Collier Count , Florida. More parllculadydescrlpeq ee/tat 14, and the North 26 feet of Lot 13, Block A, inalderaan River Subdivision, as"A rig to the plat in Plat Book 2, Page 07, Public Records of Collier Coemty, ►lorida,�4lioye87302e0008 and which has the address 01 r'; I ('Property Address'); TOGETHER WITH all the Improvements nowor hereafter smidgen the property, andall easements, rights, appurliffit s, rents, royallle9;mineral, oil and gas rights and i obts, dater rights and stock and all fixtures now or hereafter A pan of the property. The Security Instrument shall also cover all replacements deddtlons, All of the foregoing is referred to In this Security Instrument as the'Property. BORROWER COVENANTS Mat, mvvor is lawfully seized of estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property (a uyenc except for encumbances of retold, Borrower wamme antl will defand generally the title to.— Property againel ell clelm5 aria mends, suWt to any encumbrances of word. THIS SECURITY INSTRUMENToombli al, h grin covenants la national use and non-unOamrn nontswiMgmltedvadahonby )udedlctlonloconsUlula a unllormsecudtylnstruAhl'coOW�L'preal property. UNIFORM COVENANTS, Borrow and LeIcawant and agree as follows: i. Psymsrlt of Principal and Mistreat; P hl(I Lan Charges. Borrower shell promptly pay when due the principal of and Interest on the debt evktsnced by the Note. 7.Tam. The Morlgagorwili payall taxes, asaeeer0an ,, rmntsorwetermtespdarogreac iolanype Tdesorinleresl Hereon.! sre:Y�� The Mortgagor shell payor cause M be path, ea th epmac)yey become due, (A)(1) all lazes and govemmenlal charges of any Mnd whatedever which may at any rime be lawfully sanned� w�I§§Nod against a with respect to the Property, (2) all utility and other charges, Includng'seMce charges', Incurred or imposed fable OPplai(o0;rnalntenence, use, Occupancy, upkeep and Improvement of one PrmerN. and 1.11 all newsrooms at other aovammental chomeaMel mey lawfuly be paid In installments am a period Of years, the Interest due; and, to principal due; and last, to any late charges due under Bid Note:: A. Charges; Llens. Borrower shall pay all taxes, aeeguments, chffifn, (66a ad Impositions atrdbulable to the Property, which may again priority over this Security instrument, and laeaehdd paymentsorgrounc ran deny. Borrower shall prompiylurnsh to lender all notion of amounts to be paid under this paragraph, ash ell rocelpts eviderwing lh paymonts. Borrower shell promptiydlacharge anyllan which has Priority overthis Seariymsbdmenlunless 80nowen (a) agrees in writing to the payment of the obllgellon secured by the Ilan In a manner acceptable to lendor, (b) 1488.E 1t good faith the lion by, or defends against enforcement of Um lien In, legal proceedings which In the Lender's opinion operate feign flfgnlacernenl of theIlan; or (c)secures hem the holder of the Ilan an agreement satisfactory to Lender subordinating the lien to this Sacurlly lmobp�nI. 11 Longer determines that any part of Me Property Is subject to a Ilan, which may Again priority overlie Security Inatrumenl, le_, dermp4ygrve Borrower a notice Identifying the Ilan. Borrower shall satisfy the lien or take One or more of rare actions sal forth above wimM 70peys of the giving of Mike, B. Hassid or Property Msurrwe. Borrower shall keep the Improvements now eidsUrig o f I aging erectsd on the Property Insured against loge by lln, hazards Included Wilma the team lexlended covemge' am any athethela „ udmg floods or flooding, for which Leader requires Insurance. This Insurance shell be tremmined In the amounts end for the p&dod that Lender requires. The Insurance center Providing the Insurance shall be chosen by Borrower subpd to Lenders approval, which shall not be wromenaby withheld, It Bomowerfalla to mainlainoovenge described above, Lender may, at lenders option, obtain pdverege topiolectLeaders rights Inthe Propertylneccorderrewilhpengreph7. Atoll times that the Note is Outstanding. the M09WShall maintain insurance with rasped lathe Premises against such risks and for such amounts lie are cuslomadlylnsured againstand pay, aft same became due andpayeoie, all premiums In respect thereto, Including, but not limited to , elbrlak Insurer" protecting the Interests of the Mortgagor and Mortgagee against lose or damage to the Norman by f1m, Iighthhq, and other casualties aetomedy, Insured against (including boiler expbsion, II appropriate), with a uniform Standard extended coverage endorsement, Including capita removal coverage. Such tnsureace at all limes to be In an amount not lase then the lull replacement cost of the Premleas, exclusive of feelings and IourMeanns. All Insurance policies and ranewals shall to eccepieble to Lendecandshatl include a standard mortgage clause. Loodershallhave the right to hold the policies and renewals. it Lender requlree, Borrower shall promptly give to Lender all receipts of paid premiums and mrawainrotices. In the event of lose, Borrower shall give prompt notice to the lnsumacecemer and Lender. Lendermaymakepaociolloss It not made prompNy by Borrower. Unless LantNr and Borrower otherwise agree In wwtdng, insurance proceeds shall be applied ro restoretlan a repair of bra Properly damaged, 0 the restoration or repair Is econanically, feasible end Lenders security Is act lessened. If the restoration or repair Is not economically loeelbfe a Lenders socuritywould be lessened, the Insurance proceeds shell be applied to the sums secured bythe Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, Orden act answer within SO days an once Iron Leader thellhe insurance comer lies ottsred to eetUeadalm, even lender may culled the inaurearce proceeds. fencer may nee IM paoceede M repair or reetoro Ina Prapsalyor m payaume secured ply Ihts Socuriy Inalromenl, wtwetllerorratarenriue. Tire 3P day perlad will begin vNren Me arotice le melted. Unties LeMw and Borrower omerwlao epee in venting, any applratlon of proceeds Id pdnolpal shall not extend or postpone the due dote of the monthly payments relerted to In paragraph 1 or change the amount of Me paymenla. II under paragraph 21 the Propertyle acquired bylender, Borrowers alghl to enyinsurance pdkles end proceeds resulting hen damage to the PropertyPrior to Ma ecqukitlon shell pace to Lender to the extent otthe sums securedbythfs Securitylastmmanl immediately e. Goouprwy, Pngaingd oii, MaInlenence and tkolsoll" of the Property; Borrower's LOW Application, Laeseholds. Borrower shall occupy, establish, and use the Property sat Batowees principal residence, within slxtyday, ait, "execution Of this Security Ineuumend and she# continua to occupy the Property in Borrowers principal reeldarx;a lot at bast ono year after the date of occupancy, union Lender otherwise agrees in wwleng, which consent shell not be unreasonably withheld, or unless exte "Ifin g circumstances exist which are beyond Sorrmvets control. Harrower shall not destroy, damage or Impair one Property, allows the Properly to deteriorate, or 1 .+.red. wig roaw o 0 0 OR; 3085 PG; 2279 commit w8810 on the Property, Borrower shall be In default If any milaWre action or proceeding, whether civil or criminal, is begun that In Lender's good fallh judgment could result In lorfellum of the Property or mharmse materially impair the Ilan created by this Security Instrument or Lender's securityinterest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by musing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination. precludes fodeimro of the Borrowers interest in the Property or other material impairment or the lien created bythls Security Instrument or Lenders security interest. Borrowershalialsobeln default If Borrower, during the loan applicaton process, gave materially false or Inaccurate information or statements to Lender (or failed to provide Lender with any malemn information) In connection with the loan evidenced bythe Note, including, but not lirrasdlo, representations conarning OOrrowera occupancyol the Property as a principal residence. If this Security Instrument is on leasehold, Borrower shall comply with all the provision of the lease. If Borrower acquires fee Mlle to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger In writing. 7. Protection of Liondi All In the Property, If Borrower falls to perform the covenants and agreements contained in this Security Instrument, or (here is a legal proceeding that may significantly effect Lenders rights in the Property (such as a proceeding in bankruptcy, probate, for Condemnation or fonallu er or to enforce left or regulations), then Lender may do and pay brwhatever is necessary to protect the value of the Property and Lenders rights in the Property. Lender's actions may include paying any sums secured by a lien, which has priority over this Security Instrument, appearing in court, paying reasonable attomeys'rees and entering on the Property to make repairs. Although Lender may lake action under this paragraph 7. Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this SecuryInshumenl. Unless Borrower and Lender agree to other (arms 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. 8. Mortgage Insurance. if Lender required mortgage Insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage Insurance In stock. II, for any reason, the mortgage Insurance coverage required b Lender lapses or ceases to be in effecl, Borrower shall pay the premiums required to obtain coverage substantially equivalent IOhB gage Insurance previously In effect, at a cost substantially equivalent to the cost to Borrower of the mortgage laurence prevf us I (fact, from an alternate mortgage Insurer approved by Lender. II substantially equivalent mortgage Insurance coverage is not $vgi Ie,'Borrower shall pay to Lender each month a sum equal to onedwulth of the yearly mortgage insurance premium be In paid by BovooWop' en the Insurance coverage lapsed or ceased to be In effect. Lender will accept, use and retain these payments as a loss reserve In l�ipeu'I '(,gage insurance. Loss reserve payments may no longer be required, at the option of Lender, if mortgage Insurance cove(age`{ihlh aglo , t and for the Period that Lender requires) proMed by an insurer approved by Lender again becomes available and is obtained..9drr shall pay the premiums required to maintain mortgage insurance in affect, or to provide a loss reserve, until the requirement for m ago Insurance ends in accordance with any writen agreement between Borrower and Lender or eppllonbla law. g. Inspection. Lender or Borrower notice at the time of or prior 10. Condemnation, The condemnation or other taking of anypr Lender. In the event of a total taking of or not than due, with any excess paid make reasonable entres upon and inspections of the Properly. Lender shall give n specifying reasonable cause for the Inspection. fny award or claim for damages, direct or consequential, In connection with any rr y; b(( (or conveyance In lieu of condemnation. are hereby assigned and shall be paid to he prbcOils shall be applied to the sums secured bythis SacanlylnshomenL whether Iq 4'vend of a partial taking of the Property. In which the lair market value of the greAte(n ap the amount of the sums secured by this Security Instrument immediately its0aking, the sums secu adbythis Security lnslmmend shall be reduced by the amount of the proceeds multiplied by the following 'r�c!%K,�:��(the total amount of the sums secured immediately before the taking, divided by (b) the lair market value of the Property Imm at 6_10 t9mtaking. Any balance shall be paid to Borrower. Intheeventola partlel laking of the Property In which the lair market Vert secured Immedlalmy for the taking, unless Borrower anc proceeds shall be applied to the sums secured by this Borrower otherwise agree In writing, any application of payments referred to In paragraphs 1 or change the a it, Borrower Not Relaeeed. Fortur.ne. release the liability of the original Borrower or Bon against anysuccessor In interest or refuse to exlen Instrument by reason of any demand made by the exerolaing any right or remedy shall not be a waly( 12. Successional, and Assigns Bound;. Instrument shall bind and benalll the Successors or covenants and agreements shall be joint and sever Is co-slgning this Security Instrument only to modl Security Instrument; (b) Is not personally obligated i other Borrower may agree to extend, modt y, for wF Note without that Borrowers consent. 13. Lan Charges, If the loan secured few Is finally Interpreted so that the Merest or other IImNa, then: (a) any ouch loan charge shall be mduc already collected from Borrower which exceeded p reducing the principal owed under the Note or by itfrosted as a Pamal Prepayment without any prepay ie. Notle", Any notice to Borrower pro mourn of sue By Lender go. grant and paylhesums vriting or unless applicable law otherwise provides. the rr or not the sums am then due. Unless Lender and not extend or postpone the due data 01 the monthly Extension of the time for payment or modification of tysuccessor in interest of Borrower shall not operate to led limits will be refunded to Borrower. Ler g a direct payranl to Borrower. II a relund t charge under the Note. I for in (hie Security instrument shall be give manta and agreements of me Security iWbions of Paragraph 17, Borrowers ant but does not execute the Note: (a) the Property under the terms of this : and (c) agrees that Lender and any urns of this Security Instrument or the lancharges, and that inceedthepearhed limn; and (b) any sums o make this refund by I, the reduction wilt be class melt unleaa appliable law required use of another method. The notice shall hodirected to the Properly Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 15. BOveming Law; Severebiffty. Federal law and the law of the junsi icaon In which the Property is located shall govern this Security Instrumant. In the event that any provision or clause of this Security lnslmment or the Note conflicts Win applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which an be given effect vAhout iheconllCl ng provision. To this and the provisions of this Security Instrument and the Note are declared to be severable. 18. 901170wer'1 Copy. Borrower shall be given one anfonad copy of the Note and of this Security Instrument. 17. Trankil lthe Property's Beat{cialinteraat In Borrower, It all orany pan of the Propertyor any Interest in it is sold or transferred (or If a beneficial interest in Borrower Is sold or brensfened and Borrower Is not a natural person) fithoul Lenders prior written consent, Lentler may, at its Option, require Immediate payment in lull of all sums secured by this Security instrument. However, Lender shall not exercise this option If federal law as of the dale el this Security Instrument prohibits exercise. It Lender exercised this option, Lender shall give Borrower notice of aoceletahon. The notice shall provide a Period of not loss than 30 days from the dale the notice is delivered or mailed within which Bonower must pay all sums secured by this Security Instummnt, It Borrower tells to pay these sums prof to the expiration of this period, Lender may Invoke any remedios permitted by this Security Instrument without further notice or demand on Borrower. 18. BORRO"t-a Right to Reinstate. Il Bonewer meets certain Conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at anytime prior to the earlier of: (a) 5 days (or such other Period as applicable law may specify for reinstatement) before sale of the Property pursuent to any power of sale'onlained In this Security Instrument; or (b) entry of a judgment OnlorolnBthlsSecuritylnSlrumenl. Those conditions are that Borrower.(a) Pays Lender all sums which than would be due under this Security Instrument and the Note as if no acceloralion had occurred; (b) cures and default of any other covenants or eareetnems AR ays run rights In the Proponyand Borrowers obligation to lement by Borrower, this Security Instrument and d. However, this right to minslate shall" apply ,.ro,ed.wp **1 OR; 3085 PG; 2280 Your o In the case of acceleration under paragraph 17. 19. Salo of Nate; Chen goof Loan Servitor. The Note Ora partial Interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Renewer. A sale may result in a change in the entity (known as the 'Loan Servicer`) that collects monthly payments due under the Note and (his Security Instrument. There also maybe one or more changes of the Loan Servicer unrelated to a sale of the NOW If there Is a change of the loan Servicer, Behavior will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice well state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other Information required by applicable law. 20. Hmrdoua Substances, Behavior shell not cause of peril the presence, use. disposal, storage, or release of any Hazardous Substances on or In the Property. Borrower shall not do. nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Propenyof small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender whiten notice for anyinvesttgation, claim, demand, lawsuit orother action byanygovemmental or regulatory agency or private party Involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remedietion of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary rerdscial actions In accordance with Environmental Law. As used In this paragraph 20, 'Hazardous Substances' are those substances defined as toxic of hazardous substances by Environmental Lew 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. As used in this paragraph 20, 'Environmental Law' means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Aoeelorelioni Pemedles. Lender shall give notice to Borrower prior to acceleration following Borrowers breach of any covenant or agreement in IN p Security instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice sh��Il specify (a)the default,(b) the action required to cure the default; (c)a date, not less man 30 days from the date the notice Is given to Bo(rdwd"ew4kh the default must be cured; and (0) that failure to cure the default on or before the date specified in the notice may result In acgeler� on,,the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall IbnPat In Borrower of the right to reinstate alter eccelembon and the fight to assert in the lomclosum preceding the non•existanceo adel ¢¢pitor any other defense of Borrower to acceleration and foreclosure. It the delault is not cured on or before the date specified In tlia-abf(co; LhAder, at Its option, may require Immediate payment In full of all sums secured by this Security Instrument wilhout further demand add sdayAoreclose this Security Instrument by judicial proceeding. Lender shall be entilled to collect all expenses Incurred In pursuing the refiialms provided In this paragraph 21, Including, but not limited to, reasonable attorneys lees andcoets of the tide evidence. 22. Release. Upon peymentof allosu secured by this Security Instrument, Lender shall release this Security lnshumenl,without charge, to Borrower. Bortower shell pe hyr edition coals. 23. Attorneys'Fsae. As usedlnitJl' Security Instrument and the Note, 'atlomeys'fens'shall include any atiomeys'fees awarded by an appellate court. ,,\ 24. Ritlentothle SecurityInstrumnt 11 ohgar more Odom are executed by Borrowerand recorded together with this Security Instrument, the covenants and agreements of each Stich 'fm�shall be Incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as II the f1der(s) were pad of this Security instrument. (Check Applicable Box) Adjustable Rate Alder " \`'Role Improvement Alder Condominium Rider p` n Graduated Payment Rider `�4-I 3� Family Alder L-I Second Home Rider Balloon Rider . Blyre'4 y Payment Rider U Planned Unit Development Rider Olher(s) (speclty / SIGNING BELOW, Borrower accepts and agrees to the tars and Ye�e(15 contained In this Security Instrument and In any rideds) executed by Borrower and recorded with It. .�� Signed, seated and dellwi red In the presence of: "� r WRIKS Witness Print Witness Print Name: LQLvr cix 1�.y(i:*cA Address 26+1�Arli tuc Naple Florida 34112 STATE OF_Flodde_ COUNTY OF_Collier_ \} fi 1 hereby cenliy that on This day, bolero me, an officer duly authorized in the state aforesaidarJgl, 1 e county aforesaid to take ecknowledgamente, personally appeared SNARON Nt1118 to me known to be the pemon(s)descnbedayg�,M executed the foregoing Instrument and acknowledged before me that HEI SHE/ THEY executed the same for the purpose therein expressed. WITNESS my hand and official seal in the County and Stale aforesaid this Apn120,2001, My Commission Expires: Notary bllc's Slgnabso- p Nolarys Printed Name (SEAL) Syr F LAt:R11sua BCAt2D yea 4\CO•Ig...... R"Ir, oil, Unn" I M?IvaIAPY Ile \,r]n Sn•,te,d , ry,Pd.wp ROO: 3032855 OR; 3093 PG, 2988 OBL2 is000.00 roar o HUI RRCORDRD in tot OFPlC1At RBCOROS of COLURR COUNTY, FL RSC PBS I5.00 INTSROPWIMORSSSHOS OR 08120/200' at 12:71PH B1112T S. INNk, C:BP.N 0GC•.?.' S2.S0 RBNDY NLOPP SECOND MORTGAGE THIS SECOND MORTGAGE ('Security, Instrmmenl') is given on July 10,2002, The Second Mortgagor is: PATRICIA LANs, a tingle acoaan ('Bonowet'). This Security Instmment is given to Collier County ('Lender), which is organized and existing under the laws of the United Steles of America, and whose address is 3050 North Horseshoe Drive e275, Naples, Florida 34104, Bonowerowestanderthesumot rifteen Thousand lvollara(U.S,S 13,000.00). This,deblis evidenced by Borrowers Note dated the same dale as this Security Instrument ('Second Mortgage'), which provides formomIntypayments. with the full debt, It net paid eadler, due and payable on sale of property, refinance, or lots of howeentead exemption, This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals. exlenslone and modifications; (b) the payment of all othersums, with interest advanced under paragraph 7 toprolecithe secunryol grant and convey to Lender the following descnbed propertylocated county. Florida More padiculedydescibed 1Lot 10, Collier Village, as recorded in Plat Book 17, pages 60-62 Public Reoorda Ykier County, rlorida. rolioN97192303605 and which has the adore'" ('Property Address'): .r - i - 620 Hope Circle. /punakalee, Florida 34142 v. TOGETHER WITH all the Improvements now of hereafter erected on the property, and all easements, rights. appurtenances, rents, royalties,mineral, oil and gas rights andprolasiykw�star rights and stock and all fixtures now or hereafter apart of the property. Tha Security Instrument shall also coverall replace �ntae 9add ilions. All of the foregoing is referted to in this Security instrument as lhe'Properry'. BORROWER COVENANTS Thal Borrower is lawfully seized of the estate hereby conveyed and has the fight to mortgage, grant and convey the Prop erTy end that the Pro is uncroambered, except for encumbrancesol faced. Borrower warrants and will defend generally the title to the Property against ai deim�.and demands, subject to any encumbrances of record. THIS SECURITYINSTRUMENT com 1 dnflorm covenants far national use and non uniform covenants with limited variation by judsdictlontoconobtuleaunlfomtsecurityinsgutjfenl ovifgngreall UNIFORM COVENANTS. Borrower an3Ldnd2r, anew 1. Peymealof Principal and Interael; Pre�ey and and interest on the debt evidenced by the Note. ' 2, Taxes, The Mortgagorwll pay all taxes, ais ssment , r thereon. The Mon9agorshall pay or cause to be paid, as tnesame n any kind whatsoever which may at any Ume be lawfully auessdyof charges, Including 'service charges', Incurred or imposed for 166 opt Property, and (3) all assessments or other governmental chary§¢. Mortgagor shall be obligated under the Mortgage to payorcause to In of the Mortgage, and shall, promptly after the payment of Day 01 the 3. Appiiostion of Payments. Unless applicable law provfi Interest duo; and, to principal due; and lost, to any late charges due 4. Chargeq Llens. Borrowershall pay all lazes, ensure may aftain priority over this Socudty Instrument, and lenehokl paym all notices of amounts to be paid under this paragraph, and all race[ In a mat )h In the as folio": ee. Borrower shall promptly pay when due the principal of orwaler rates prior to the accrual of anype"Itles orinterest become due, (Alit I all taxes and govemmental charges of inst or with respect to the Property, (2) all utility and other dominos, use, Occupancy, upkeep and improvement at the wfully be paid in Installments over a period of years, the such Installments as are required to be paid during the tern b(ward to Mortgagee evidence of such payment. ;6; gtl payments received by Lender shell be applied; first, to ga, hires and Impositions attributable to the Properly, which indlentavUany. Borrower shall promptly tarnish to Lender the holder of the Ilan an agreement satisfactory to Lender suboroinaNng the Ion to this t acurf part of the Property Is subject to a lien, which may at afn priority war the Security Instmmella the lien. Borrower shall satisfy the Ilan or take one or more of the actions set forth above wig Borrower. (a) egress in wining to h the lien by, or defends against rot of the lien; or(c) secures from . II Lender determines that any ve Bornewera notice identifying I the giving of notice. S. Hazard or Property Insurance. Borrower shall keep the improvements now ekistingpt I`erealtor erected on the Property Insured against lose by lire, hazards included within the lenn'extended coverage' and any oihech�ar��rs�; JJJ'nciuding floods or Hooding, for Which Lender requires Insurance. This insurance shall be maintained In the amounts and fo(Ige Perigpg that Lender requires. The Insurance carder providing the Insurance shall be chosen by Borrower subject to Lenders eppiava. k shell not be unreasonably withheld If Borowet falls to maintain coverage described above, Lender may. at Lando rs option, obtain covelegaoprotect lenders rights In the Propertyln accordance with paragraph 7. Atoll Umn that the Note is outstanding, the hongagorshajlmeintdmosumnce withrespect to the Promises against each risks and for such amounts as are customarilyinsured aged and pay, as same becenc due and payable, all premiums In respect thereto, including, but not limltad to, all-risk Insurance protecting the Interests of the Mortgagor and Mortgagee against Ion or damage to the Premise by fire, lightning, and other casualties customarily Insured against (Including boiler explosion, if appropriate), With o uniform standard extended coverage endoncia en4Including debistamoval coverage. Such Insurance elan Hmastobe In an amount not less than the lull replacement cost of the Premises, exclusive of footings and foundations. All Insurance policies and renewals shall be acceptable to Lerderand shall include estandard mortgage clause. Lendershalthwe the right to hold the policies and renewals. N Lender requires, Borrower shall promptly give to Lender all receipts of paid Premiums and renewal nolices. In the event of lose, Borrower shall give prompt notice to the insurance carder and Lendec lender maymake prool of loss ff not made promptly by Borrower. Unless Lender and Borowerotherwise agree In writing, Insuronce proceeds shall beapplled to Intonation or repair of the Property damaged, If the restoration or repair Is economically leesible and Lenders security is act lessened, 11 the restoration at repair is not economically feasible or lenders secudlywouid be lessened, the Insurance proceeds shalt be applied to the sums secured bythe Security Instrument. whether or not then due, with any excess paid to Borrower. 11 Borrower abandons the Property, or does not answer within 30 der a notice from Lender that the theorems Lanier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may on the proceeds to repair or restore the Property or to paysums secured by this Socudy Instrument, whetheror not than due. The 3P day period will begin when the notice B malled. Union Lender and Borrower otherwise agree In writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments relerred to in paragraph 1 or change the amount of the payments. 11 under paragraph 21 the Propertyls acquired by Lender, Borrowers right to any Insurance policies and proceeds coultinglrorn damage to the Properypdor to the acquisition shall pan to Lender to the exter lot the sums secured bythls Security Instrumonlimmedadely prior to the acquisition, 6. Occupancy, Preserved", MUnterancs No Protectlon of the Properly; Borrowvre Loan Application, Laaekofde. Borovrer shall occupy, establish, and use the Prop" as Borrowers principal resldenco within 4wtydays afterthe execution of this Security Instrument and shall continuo to occupy the Property as Borrowers principal residence for at least one year after the date at occupancy, unless Lender otherwise agrees In writing, which consent shall not be unreasonably withheld, or unless extenuating olroumstance , exist which are beyond Borrowmt's control. Borrower shall not destroy, damage of Impair the Property, allows the Property to deteriorate, or commit waste on the Property. Borrower shall be In default if any lododure action or proceeding, whether civil orcriminal, is begun that in 1 .,n,ed.wp roar 0 Lenders good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by Ihis Security Instument or Lenders security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, bycausing the action or proceeding to be dismissed with a ruling that, in Lenders good faith determination, precludes fodeilure of the Borrowers interest in the Property or other material impairment of the lien created by this Security Instrument or Lenders security Interest. Borrower shall also be in default If Borrower, during the loan application process, gave materially false or Inaccurate Information or statements to Lender (or failed to provide Lender with any material Intonation) In connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrowers occupancy of the Property as a principal residence, It this Security Instrument is on leasehold. Burrower shall comply with all the provision 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 wiling, 7. Prolsotlon of Lenders Rights In the Property, It Borrower fails topedonn the covenants and agreements contained in ibis Security Instrument, or there is a legal proceeding that may significantly affect Lenders rights In the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and paylorwhalever is necessary to protect the value of the Property and Lenders rights in the Property. Lenders actions may Include paying any sums secured by a lien, which has priority over this Security Instrument, appearing in court, paying reasonable m omeys' lees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument, Unless Borrower and Lender agree to other terms of payment, these amounts shall bear Interest Irom the date of disbursement at the Note rate and shall be payable, with Inlemal, upon notice from Lender to Borrower requesting payment. 8, MOtlgage InaarsnC0. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. 11, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to`thp mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower at the mortgage insurance ors I0 ly in effect, from an alternate mortgage Insurer approved by Lender, 11 substantially equivalent mortgage insurance coverage is of avAhil le, Borrower shall pay to Lender each month a sum equal to one.twellth of the yearly mortgage insurance premium being paid by Bopowecsyltc�n the Insurance coverage lapsed orceased to be In effect. Lender will accept, use and retain these payments as a loss reserve;in, eu,oI jnodgage Insurance. Loss reserve payments may no longer be required, at the option of Lender, it becomes available and is obtained: Borrolyer shall pay the premiums requited to maintain mortgage Insurance in enact, or to providea loss reserve, until the requirement tor, tdo�n�gee msmance ends in accordance with any written agreement between Borrower and Lender or applicable law, g. inepectloLender or its agent ey make reasonable entries upon and inspections of the Property. Lender shall give Bonowernotica allhatimn. e of or prior I. en Sns Imnspecifying reasonable cause for the inspection. 10. Condamgetlon. The prose of any award or claim for damages, direct or consequential, In connection with any condemnation or othertakingof enypad o6t Property. or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the property th"meeds shall be applied to the sums secured by this Security Instrument whether or not then due, with any excess paid to Bovoq Irk I a event of a partial taking of the Property, in which the fair market value of the Property Immediately bolero the taking is equal to cogat te1,(hen the amount of the sums secured by this Security lnsimmenl immediately before the taking, unless Borrower and Lender othill 68 some in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the followin' giofto-(o) the total amount of the sums secured immediately before the taking, divided by(b)the fair market value of the property imrnei letwb�lore the taking. Any balance shall be paid to Borrower. In the event ola partial taking of the Property In which the lair market value, i Prgpedy Immediately before the taking is less than the amount of the sums secured immediately lot the taking, unless Borrower and Lon otherwise agree In writing or unless applicable law otherwise provides, me proceeds shall be applied to the sums secured by this Sec_ Fit Insini��enl whether or not me sums are then due. Unless Lender and Boirawar olhenvlse agree in writing, any application of proceeds leprin45pal shall not extend or postpone the due data of the monthly payments referred to In paragraphs I or change the amount of S ch paI 11. Borrower Not Rahased, Forbsarari By Landerydi a amorlizatIon of the sums secured by this Security Instrument grar,AQ X e release the Ilability of the original Bonower or Borrowers successors in int against any successor in Interest or refuse to extend time for payment or off Instrument by reason of any demand made by the original Borrower or Bd exercising any Fight or remedy shall not be a waiver of or preclude the axe 12. Successors and Assigns Bound; Joint and Several Llebll Instrument shall bind and b nialil the succossors and assigns of Lender anc covenants and agreements shall be joint and several. Any Borrower who tt Is cosigning this Security Instrument only to mortgage, grant and convey Security InsW menl; (b) is not personally obligated to pay the sums secured Bdenslon of the time for payment or modification of y successor in interest of Borrower shall act operate to m nder shall not be required to commence proceedings �o odify amortization of the sums secured by this Security luwemors In interest. Any forbearance by Lender in 13. Loon Charges. It the loan secured by this Security lnstmment is subject to a In, law Is finally Interpreted so that the interest or other loan charges collected or to be collected in owed under the Note or by making a direct payment to Borrower. If a rel apayment without any prepayment charge under the Note. i. Any notice to Borrower provided for in this Security Inslmmonl shell be rename and agreements of this Security Provisions of paragraph 17. Borrowers iment Taut does not execute the Note; (a) In the Property under the tons of ;his mti and (a) agrees that Lender and any a terms of this Security Instrument or the loan charges, and that i exceed the permitted imuLand(b)anysums o make this refund by i, the reduction will be class mail unless applicable law required use of another method. The notice shall be directed to the Propb* Address or Any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 16, Cioveming Law; Sevarablllty. Federal law and me law of the jurisdiction in which the Property is located shall govern this SecurityInsWment. In the event that any provision of clause of this Security inslmmonl 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 effeclwithout the eonflicFng provision. To this end the provisions of this Security InsWment and the Note are declared to be severable. 10. Borrower's Copy, Borrower shell be given one conformed copy Of the Note and of this Security huimment. 17. Transfer of Iha Propartyor s Beneficial Inlerset in Borrower, If all or any part of the Property oranyintemst in it is sold or transferred (or if a beneficial Interest in Bonower Is sold or Irenstere d and Borrower Is not a natural person) without Lenders prior written consent, Lender may, at Its option, require Immediate payment In full of all sums secured by this Security Instrument. However, Larder shall not exercise this option it federal law as of the date of this Security Instrument prohibits exomise, If Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shell provide a period of not lass than 30days Irom the dale the notice is delivered or mailed within which Borrower must pay all sums secured by this Security lnstmment. It 80neWer 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 Bonower, 10. 11mowar'e Right to Reinstate. ll Borrower meals certain conditions, Borrower shell have the right to have enforcement of this Security Instrument discontinued at anytime prior to the earlier of : (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale or the Property pursuant to any Power of sale contained In this Security Instrument; or (b) 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 and default of any other covenams or agreements; (c) pays all expenses Insulted in eniorcing this Security Instrument, Including but not limited to, reasonable attorneys lees; and (of lakes such action as lender may reasonably require to Assure that the lien of this Security Instrument, Lenders rights in the Proportyand Borrowers obligation to pay the sums secured by this Security lnstmment shall continue unchanged. Upon reinstatement by Borrow, this Security Instrument and the obligations secured hereby shall femam luliy elleclNe As it no acceleration had Occurred. However, this right to minslate shall not apply in y,ed.wp roan o the case of acceleration under paragraph 17. 19. Sale of Note; Change of Lan Servicer. The Note Ora primal interest in the Note (together win This Security Instrument) may be sold one or more limes without prior notice to Borrower. A sale may result in a change in the entity(known as the 'Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. There also maybe 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 whiten notice of the change in accordance with paragraph 10 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shell not cause or penult the presence, use. disposal, storage, or release of any Hazardous Substances on or In the Property. Bonower shall not do, nor allow anyone else to do.anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small raining lies of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private parry entailing the Property and any Hazamous Substance or Environmental Lawof which Borrower has actual knowledge. If Borrower teams, or Is notified by any governmental or regulatory authority, that any removal or other remedialion of any Hazardous Substance allecling the Property Is necessary, Borrower shall promptly lake all necessary remedial actions in accordance with Environmental Lew. ' 77 As used In this paracratib 20:'Hazardous Substances' are those substances defined as toxic or hazardousubstances b E ' I solvents, materials conbiolf g AsUeglo. means federal laws and lawsp(thej n 21. Acaalvtllob; Rant, Is covenant or agreement in tBis�4cun otherwise). The notice shalIspeclly�:,(a the notice is given to Borrower, by v%Ic the notice may result In acceleration of Property, The notice shall further Into preceding the non-existence of a detain before the date specified In the notice, Instrument without further demand and expenses incurred in pursuing the lame of the title evidence. 22, Release, Upon payment charge, to Borrower. Borrower shell pa 23. Attomeys'Fees. Asuse by an appellate court. 24. Riders to this Seoudtyh Instrument, the covenants and agleam, agreements of this Security Instrument ❑ Adjustable Rate Rider ❑ Graduated Payment Rider ❑ Balloon Rider s y nveonmenle e, kerosene, other flammable or Ioxic pelromuelProducls, toxic Pesticides and herbicides, volatile formaldehyde, and radioactive materials. As used in this paragraph 20,'Environmental Law' Allan where the Property is located that relate to health, solely or environmental protection. Lender shall give notice to Borrower prior to accelerator following Bo rowel's breach of any isimment (but not prior to acceleration under paragraph 17 unless applicable law provides 3 default: (b) the action required to cure the default; (c) a dale, not less than 30 days from the date e default most be cured; and (d) that failure to cure the default on or before the date specified in I sums secured by this Security instrument, foreclosure by judicial proceeding and sale of the @our at of the right to reinstate after acceleration and the right to ass in in the foreclosure a other defense of Borrower to acceleration and foreclosure. It the default is not cured on or 1 er, a1115 option, may require immediate payment in lull of all sums secured by this Security y forecl elhis Security Instrument by judicial proceeding. Lender shall be entitled to collect all s prpvd to ly,is paragraph 21, including. but not limited 10. reasonable attorneys has and costs the Security Instrument, Lender shall release this Security Instrument. wihout ❑ Other(s)(specify \.> SIGNING BELOW, Borrower accepts and agrees to the terms and cavenenls. executed by Borrower and recorded with it. Signed, sealed and delivered in the presence of: Witness Signalure'. Pl !a n Cl( _ '� Signature: 8orm� Witness Print Name:_ �—Signalure;- .:, Borrower Wllness Signature: (_ -± Wllness Print Name: l—�L.11� <'.. 5 'S� Cli Address: STATE OF_Flodde_ COUNTY OF —Collier 'attorneys' lees" shall include any allomeys' lees awarded ited by Borrower and recorded together with this Secunty d into and shall amend arv7 supplement the covenants and ity Inslmmenl. (Check Applicable Box) Aril Rider u Condominium Rider ❑ Second Home Rider .r u Planned Unit Development Rider / in This Security Inslmmenl and in any ntler(s) J I hereby cattily that on this day, before me, an officer only authorized in the state aforesaid and in the county aforesaid to take acknowiedgemenis, personally appeared PATRICIA LANE to me known to be the persons) described in and who executed the foregoing Instrument and acknowledged before me that HEy SHE/ THEY executed the same for the purpose therein expressed. WITNESS my hand and official seal In the County and State aforesaid this July 18, 2002. l My Commission Expires: _ ' ._ Natary`ubli_c's Signeture� -- f )r !. vL— Notarys Printed Name (SEAL) >rr W 4. .pn,,,��x. 9 Jv'f7Y'1' 1.•11'lYh.�! Bli:\RD - , vw ,.,a hillI I,, —,,rid, wp INSTR 5578724 OR 5527 PG 407 RECORDED 6/28/2018 3:59 PM PAGES 2 CLERK OF THE CIRCUIT COURT AND COMPTROLLER, COLLIER COUNTY FLORIDA REC $18.50 Er��y R Prepared by: Wendy Klopf Collier County Community & Human Services Division 3339 E. Tamiami Trail, Building H, 8211 Naples, FL 34112 THIS SPACE FOR RECORDING RELEASE OF LIEN KNOW ALL MVN-(('13i' HESE PRESENTS: That Collier County, whose post office address is 3299 E. Tamiami Trajl; Nriples, Florida 34112, the owner(s) and holder(s) of a certain Impact Fee Waiver Agree cuts .ek cuted by Immokalee Habitat for Humanity, Inc. to Collier County, having met I , IS year affordability housing obligation associated with the $65,112.31 of SHIP Impact Fee Wai.vers�p , hich is hereby acknowledged does remise, release, quitclaim, exonerate and discharge froril. t ' lien and operation of the said agreement, that certain portion of the premises conveyed by said ten; more particularly described as follows: The undersigned is authorized to and d°s named properties, and consents to these said properties. This Release of Lien was approved b AJuiyn-. C�XD , 2018, Agenda Item A' +I'EST: r Y T6.4 . KINZEL, „1fj`l'til�II I. RK !� is yui\?.':•L�"� •• " (` pprov1140ASr`4 'legality: ssistant County Attorney Exhibit A OF release these Liens with respect to the above- Lg forever discharged of record with respect to of County Commissioners on *** OR 5527 PG 408 *** Various lots as listed below for, Collier Village, according to the plat thereof recorded in Plat Book 17, Pages 60-62, of the Public Records of Collier County, Florida. Resolution # BCC approvo date';, .' CO date 15-year affordability end date Legal Description* impact Fee (OR/Page) Impact Fee Amount 94-396 6/7/199. ."4/7(1995 4/7/2010 Lot 1, Collier Village 1956/1035 $3,929,52 94-390 6/7/1994 01995 4/7/2010 Lot 4, Collier Village 1956/1000 $3,929.52 94-384 6/7/1994 %19 5 3/15/2010 Lot5, Collier Village 1956/0993 $3,929.52 94-387 6/7/1994 07.149.0 4/7/2010 1 Lot 6, Collier Village 1956/0979 $3,929.52 94-388 6/7/1994 3/ 9/1995.. 3/29/2010 Lot7, Collier Village 1956/0986 $3,929.52 94-397 6/7/1994 4/7/10,5�. ' 4/7/2010 Lot 8, Collier Village 1956/1042 $3,929.52 94-395 6/7/1994 4/7/1995,' 4/7/2010 Lot 9, Collier Village 1956/1028 $3,929.52 93-459 6/7/1994 7/29/199 7/29/,2009 Lot 10, Collier Village 1956/1135 $3,929.52 93-458 6/7/1994 7/29/1994 7/29 009 Lot 11, Collier Village 1957/0313 $3,929.52 93-456 6/7/1994 8/111994 "' ,Sl1/;0, 9 Lot 13, Collier Village 1956/1142 $3,929.52 93-460 6/7/1994 8/12/1994 $/.!" %2 b :,• Lot 33, Collier Village 1956/1121 $3,929.52 93-451 6/7/1994 9/29/1994 9/29 2t)09 ,, Lot 40, Collier Village 1956/1114 $3,929.52 93-452 6/7/1994 7/29/1994 7/29/ 00 , ;Lot 41, Collier Village 1956/1107 $3,929.52 93-453 6/7/1994 7/22/1994 7/22/26 42, Collier Village 1956/1100 $3,929.52 93-454 6/7/1994 7/22/1994 7/22/2009:: LO :. , Collier Village 1957/0278 $3,929.52 93-455 6/7/1994 7/22/1994 7/22/2009 -' t. °CollierVilla e 1956/1058 $6,169.51 "r^.,:)`''4. Total $65,112.31 0 roan o 0.ttn: 3050072 OR; 3115 PG; 2420 oaii 155000000:0000 HOUSING R URBAN INTROVININT RICORDID In the OPPICIAL RACORDS Of COLLIIR COUNTY, IL RIC 111 IS,00 INTER OPPICI 09/21/2002 at 06:21AX DIIGHT I. BROCI, CLINK DOC•,35 52.50 ATTN: NINOT FLOPF SECOND MORTGAGE THIS SECOND MORTGAGE ("Security Instrument') is given on August 27. 2002, The Second Mortgagor is: JOSE MARTINEZ & SANAIDA MARTINES, HUSBAND 11, NIFE ('Harrower'). This Security Instrument is given to loll ier councy kLender'). which is organizetl and existing under the laws of the United Stales of America, and whose address is 3050 North Horseshoe Drive x2'15, Naples, Fl,:rida 34104_ Borrower owes Lender the sum of Fifteen Thoumaad Do11&rejU,S.S 15,000.00). This,deblis evidenced by Borrowers Note dated the same date as this Security Instrument ('Second Mortgage'), which provides for monthly oayonenls, with the full debt, if not paid earlier. due and payable on male of property, refinance, or lose of homestead exemption. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, Min interest, and all renewals, extensions and modifications'. put the payment or all other sums, wdh interest advanced under paragraph 7 to protect the secuntyof the Security Instrument; and (c) the pedormance of Borrower's covenants and agreements under (his Secunty, Inslrumonl and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located In 20 11 i of County, Florida ---- More panicularlydescnbedas; Lot 3, Block C, RDCKY PINES ESTATES, UNIT2, AS RECORDED IN PLAT HOOK 16, PAGES 591O fie, PUBLIC RECORDS OF gr0j LIB COUNTY, FLORIDA. FOLION70921534256 and which has the address o ('Property Address'): _ 805 6th Ave. fTirun)kalee. Florida 34142 TOGETHER WITH all lhWi5foAmenls now of hereafter erected on the property, and all easements. rights, appurtenances, rands. royalties. mineral, oil and gas rights and profits, pater dghls and stock and all fixtures now or hereafter a pad of the property. The Security Instrument shall also cover all replacements pn ddiuons. All of the foregoing is referred to to this Secunty Instrument as the'Property'. FOR ROW E R COVEN ANT S one( Tor war is lawfully Seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property is and Thal the Propeg is unencumILQued. except for encumbrances of record Borrower warrants and will defend generally the title to the Property against all f IaIMS and emands. subject to any encumbrances of record. THIS SECURITY INSTRUMENT commQas of , orm covenants for national use and nonuniform covenants will limited wmabon by lurisd,clion to constitute a uniform security inslrurhanAl2 eeng real prOpeny. UNIFORM COVENANTS. Bonowerand.Landggc' yevent and agree as billows: 1. Payment of Principal and Interest; Prepaymp¢f and Late Charges. Barrows shall promptly pay when due the principal of and mteresl on the debt evidenced by the Note. `: ��✓'" 2.Taxes. The Mortgagor will pay all lakes, asSe so sower rends or water rates pnor to the acemal of any penalties or interestthereon. The Mortgagor shall pay or cause to be paid, as the slime respectively become due. (Ant) all taxes and govem nentai charges of any kind whatsoever which may at airy time be lawfully asse£wed ogle Jed against or with respect to the Property. (2) all utility and other charges, acludmg'senrice charges", incurred or Imposed for lde oparalloI.y maintenance, use, occupancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges Imaj, awfully be paid In installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to a ifd'01 such installments as are required to be paiddudng the term of the Mortgage, and shall, promptly alter the payment of any of the fttfrfrago ld I and to Mortgageo evidence of such payment. 3. Application of Payments. Unless applicable law provides olhe se;all payments received by lender shall fro applied; lirsL to interest due; and, to principal due; and last. to any late charges due underlie Npte\ 4. Charges; Llens. Borrower shall payall taxes, assessments, dhaf as, i(YB and impositions a tnbulable to the Property which may attain priority over this Security Instrument, and leasehold payments or brolyntl re IS,dany. Borrower shall promptlylumish to Lender all notices of amounts to be paid under [his paragraph, and all receipts ovidencingghhe p ends. Borrower shall promptly discharge any lien which has pdonly over this Son augment unless Borrower.(a) agrees to writing to the payment of the obligation secured by the lien In a manner acceptable to Lender; (Ol ontesls in good faith the lien by, cr defends against enforcement of the lien in, legal proceedings which In the Lender's opinion operate to prove99Hhoo forcemeat of the lien; or secures from the holder of the lien an agreement salisfacloryto Lender subordinating the lien to this SeEunNl;hnnsont. It Lender determines that any pad of the Properly is subject to a lien, which may attain pdonly over the Security Insuumon)�nderm y give Borrower a notice Identifying the lien. Borrower shall satisfy the )ten or lake one or more of the actions set tort, above vnlbiryf01t}a of the giving of notice. S. Hazard or Property Insurance. Borrower Shall keep the Improvements now ex((slN11 hereafter erected an the Property Insured against loss by fire, hazards Included within the form 'extended coverage' and any alFerLeard},'i eluding If..I or flooding, for which Lender requires Insurance. This Insurance shall be maintained to the amounts and for,lhs,p5no9q44s Ihel Lender requires. The Insurance carrier providing the insurance shall be chosen by Borrower subject to Lenders approval, avhlch��/shall not be unreasonably withheld. it Borrower fells to maintain coverage described above, Lender may, at Lenders option, obtain covetbgelOprolect Lendersnghts in the Properly In accordance with paragraph 7. Al all times that the Note is outstanding, the Mortgagor sirV,II�n.Intel, insurance with respect to the Premises against such risks and for such amounts as are customarly insured against and pay, as t6 Same become due and payable, all premiums In respect thorelo, including. but not limited to, albnsk Insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premises by lire, lightning, and other casualties customarily insured against (including bailer explosion, if appropriate), with a uniform standard extended coverage endorsement, including debris removal coverage. Such insurance at all times lobe in an amount not less than the but replacement cost of the Premises, exclusive of footings and foundations. All Insurance policies and renewals shall be acceptable to Lender and shall Include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance Cartier and Lender. Lender may make proof of loss if not made promptly by Borrower Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair Is economically feasible and Lenders secuNy is not lessened. If the restoration or repair is not economically feasible or Lenders security would be lessened, the Insurance proceeds shall be applied to the sums secured by the Secunty Instrument, whether or riot then due, will any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the Insurance carder has offered to settle a claim, then Lender maycollect the Insurance proceeds. Labour may use the proceeds to repair or restore the Property or to pay sums secured by this Secunty Instrument, whether or not then due, The 30 day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in wrung, any application of proceeds to principal shall not extend or postpone the due dale of the monthly payments referred to In paragraph 1 or change the amount of the payments. II under paragraph 21 the Property is acquired by lender, Borrower's dghl to anyinsurance policies and proceeds msulb g from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. ord.lp 9 OR; 3115 PG; 2421 FORM o 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrowers principal residence within sixty days after the execution of this Secunty Instrument and shall continue to occupy the Property as Borrowers principal residence for at least one year after the dale 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 Borrower shall not destroy, damage or impair the Property, allows the Property to deletiorate, or commit waste on the Property. Borrower shall be In default it any lodedure action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in lorhature of the Property or otherwise malenally impair the lien created by this Security Instrument or Lender's security Interest. Borrower may cure such a default and minsiate. as provided in paragraph 18. by causing the action or proceeding to be dismissed with a ruling that, in Lenders good faith determination. precludes forfeiture of the Borrowers interest in the Proportyor other material impairment of the lien created bylhis Security Instrument or Lenders security interest. Borrower shall also be in default it Borrower, dating the loan applicalion process, gave materially false or inaccurate infonnalion or statements to Lender (or failed to provide Lender with any malenal informalion) in connection with the loan evidenced bythe Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence, !I this Security instrument is on leasehold, Borrower shall comply with rill the provision of the lease. It Borrower acquires fee Idle to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Bights inthe Property. it Borrower falls to rational the covenants and agreements contained in this Secumy Instrument. or there is a legal proceeding that may significantly ellect Lender's rights in the Property (such as a proceeding In bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender maydo and payforwhatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by alien. which has priority over this Security Instrument, appearing In court, paying reasonable atu mayslees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall becom I ddilional debt of Borrower secured by this Security instrument. Unless Borrower and Lender agree to other terms of payment, these?rUta its 1shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to I(o eueoeesllo0 cement 8. Mortgage Ipsy)ence:>tl Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument. Borrower shi p8 he p miums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required b Len P,lapses or ceases to be a effect. Borrower shall pay the premiums required to obtain coverage substantially equivalent to the-m gage lgsurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in elfepY, 1W an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available: orruvar shall pay to Lender each month a sum equal to one4welhh of the veady mortgage insurance premium being paid by Borrower when the call, ce coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a toss reserve in Iteu of n(odggge I�is.'ance. Loss reserve payments may no longer be required, at the option of Lender. it mortgage Insurance coverage (in the amota in it for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower hail pay the premiums required to maintain mortgage Insurance in effect, or to provide a loss reserve. until the requremein for mortgage nsurancp 'aqua inaccordance with any much agreement between Borrower and Lender or applicable law. 9, Inspection. Lander or its agent may TSVO haasonable entries upon and Inspections of the Properly. Lender shall give Borrower notice at the time of or prior to an inspectioSp ttali reasonable cause for the inspection. 10. Condemnation. The proceeds ol'any'rol'drd'. r claim for damages, direct or consequential, in connection with any condemnation or other taking of anypartof the Propertybr(ori n chahas in lieu of condemnation, are hembyravegned andshall be paid to Lender. In the event of a total taking of the Property. the KSO a ss all be applied to the sums Securetl by this Security Instrument, Mather or not then due, with any excess paid to Borrower. In Ih€eve Lo 4pMain faking of the Property, in which the fair markel value of the Property immediately before the taking is equal to or greater ll n the arl�Qpunl of the sums secured by this Security Instrument immediately before the taking. unless Borrower and Lender otherwise agree.ln wyIli he suns secured by this Security lmhumem shall be reduced by the amount of the proceeds multiplied by the lonow!ng Iracibn:i$) the y tsamount of the sums secured Immediately before the taking. divided by the lair market value of the Properly lmmemalety betor 0l khm. Any balance shall be paid to Borrower. inlheeventola partial taking of the Property in which the lair Markel value of the Pm edryyi meifiately before the taking is less than the amount of the sums secured Immediately for the taking, unless Borrower and Lentler Other so' ree, wnlmg or unless applicable law otherwse provides, the proceeds shall be applied to the sums secured by this Security Instmmmj�what or not the sums are then due, Unless Lender and Borrower otherwiso agree in writing, any application of proceeds to pnn aft all. flirt extend or postpone the due date of the monthly In referred to paragraphs I or change the amount of such payment I 11. Borrower Not Released, Forbearance By Lentler Not a WAlvfr.^E a Sion of the time for payment or modification of M amozation of the sums secured by this Securitylnsrrmenlgrantetl by Lenderlo do ssor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers successors in Interest.�ende hall not be required to commence proceedings against any successor in Interest or refuse to extend time forpaymenfor oI arwise mightyamonization of the sums Secured by this Security Instrument by reason of any demand made by the original Borrower or Borrowers success id interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclutle the exercise of any rig or's tidy. 12. Successors and Assigns Bound; Joint and Several Liability; CoSignete. Ti�de, ovenanis and agreements of this Security Instrument shall hind andbenefit thesuccessors and assigns of Lenderand Borrower, subjecTopa1, i\slonsof paragraph 17. Borrowers covenants and agreements shall be joint and several, Any Borrower who co-signs this Security Inginlmiepnear does not execute the Note; (a) is cosigning this Security Instrument only to mortgage, grant and convey that Borrowers inleresl jAfifififififie Property under the terms of this Security Instrument: in) Is not personally obligated to Callas, sums secured bythis Security Inslrumell}; ai�) agrees that Lander and any Other Borrower may agree to extend, modify, forbear or make any accommodations with regard to Ne(ennsyl, hl Secuntylnsimmentorlhe Note without that Borrower's consent. 13. Lean Charges. Il the loan secured by this Security Instrument is subject to a law which sets M4 ' aim loan charges, and that SW is finally interpreted so that the Interest orother loan charges collected or to be collected Incvnnectlon'ail(i the loan exceed the Permitted limits, then: (a) anysuch loan charge shall be reduced bythe amount necessary l0 reduce the charge to the Permitted limit: and (b) anysams already collected from Borrower which exceeded permitted limits wilt 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 under in Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it byfirst class mail unless applicable law required use at another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 18. Governing Low; Soverabllily. Federal law and the law of the jurisdiction in which the Property Is located shall govern this Security Instrument. In the event that any provision or clause of this Security Instrument or (he Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument cribs Note which can be given effecl without the Conflicting provision. To this and the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security inshurn il. 17. Transfer of the Properly or a Beneficial Interest In Borrower, If all or any part 0( the Property or any interest in it is sold or transferred (or II a beneficial interest In Borrower is said or transferred and Borrower is net a natural person) without Lender's pilot written consent, Lender may, at its option, require Immediate payment in full of all sums secured by this Secunly fnslument. However, Lender shall not exercise this option if federal law as of the dale of this Security Instrument prohibits exercise. It Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the dale the notice is delivered or mailud within which Borrower roust pay all sums secured by this Security Instrument. It Borrower falls to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Inslmmenl Yvehout further notice or demand on Borrower. b,ed.wp **" OR; 3115 PG; 2422 ie. Borrower's Right to Reinstate. If Borrower meets certain conditions. Borrower shall have the right to have enforcement of this Security Instrument discontinued at anytime prior to the earlier of (a)5days (or Such Other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instmmenl; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Relative: (a) pays Lender all sums which then Would be due under this Security Inshumenl and the Note as If no acceleration had occurred; (Id cures and default of any other covenants or agreements; (c) pays all expenses incurred In enforcing this Security Instrument, including, but not limited to, reasonable attorneys lees', and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lenders rights in the Propedyand Borrowers obligation to paythe sums secured by Ihis Security Instrument shall cantinas unchanged. Upon reinstatement by Borrower. this Security Instmmenl and the obligations secured hereby shall remain fully effective as If no acceleration had occurred. However, this night to remslate shall not apply in the case of acceleration under paragraph 17. 19. Salo of Note; Change of Loan Servicer. The Note or a partial interest In the Note pogetherwith this Security Instmmenl may be sold one or more limes without prior notice to Borrower. A safe may result in a change in the entity (known as the *Loan Servicer) trial collects monthlypaymenls due under the Note and this Security Instrument, There also maybe 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 all be given written notice of the change in accordance with paragraph 14 and applicable law, The notice will stale the name and address of the new Loan Servicer and the address to winch payments should be made. The notice all also contain any other Information required by applicable law. 20. Hazardous Substances, Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances ono the Property. Borrower shalt not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Envoonmenial aw. The preceding two sentences shall not apply to the presence. use. or storage on the Property of small qua oldies of Hazardods,6tib art c s that are generally recog nixed to be appropriate to normal residential uses and to ma,menance of the Property Borrower shall promptly giv L�eJ�der ripen notice for any investigation, claim, demand, lawsuit or other action by any govenmental or regulatory agency or private parjy invol, irjg the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. it Borrower learns, 'or nail led by any governmental or regulatory authority, that any removal or other remodelled of any Hazardous Substance affecting t eP'�p phis necessary, Borrower shall promptly take all necessary remedial actions In accordance With Environmental Law. As used n this paragraph 20,'Hazardous Substances' are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kero eno, other flammable or toxic petroleum products, toxic pesticides and hemktdes, volatile solvents, materials containing asbeslos'on1rm dehyde, and radioactive materials. As used in this paragraph 20,'Environmental Law` means federal laws and laws of Ina juristlicllo where the Property Is located that relate to health, safety or environmental protection. 21. Acc lleratlan; flemadles. l: der shall �jve notice to Borrower prior to acceleration following Borrowers breach of any covenant or agreement in this Security Insidious l'jbul not poor to acceleration under paragraph 17 unless applicable law provides otheriviad. The notice shall specify: (a) the delaull;.(¢)'Ia option required to cure Ilia default; (c) a date, not less gran 30 days from the date the notion is given to Borrower, by which the delabiLm slea cumd;and(d)thatfailure to corethe defaullon orbeiore the dale sprained in the notice may result in acceleration of the sums secut Y Its Security instrument. foreclosure by judicial proceeding and sale of the Property. The notice shall further Inform Borrower of Itte NghtlQQ reinstate alter acceleration and the light to assert in the foreclosure preceding the non-existence of a default or any other delebse RjjBb rawer to acceleration and foreclosure. It) the default is not cured on or before the date specified in the notice, Lender. at its opliolf.'.inay 'prewar immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose tale Secufi gltualenl by)udicial proceeding. Lender shall be entitled to collect all expenses Incurred In pursuing the remedies provided in this lieagrair 2aincluding, but not limited lo,reasonable altomeys lees and costs of the tills evidence. 22. Release, Upon payment of all sums secured byfins Sec charge, lO Borrower. Borrower shall pay any recordation costs. • te 23. Attorneys' Fees. As used in this Security Instrument an by an appellate court. 24. Filters to this Security instrument. Iloneormorende melanin it. the covenants and agreements of each such rider shall be agreements of this Security Instrument as if the rideds) were a pan at u Adjustable Rate Rider u Rate Lender shall release this Security Instrument amend neys' fees'shall include any affomeys fees awarded ry Borrower and recorded together With this Security land shall amend and supplement the covenants and Inlmnent. (Check Applicable Box) u Grndualed Payment Rider u 1-4 Family Rider u Balloon Rider u Biweekly Payment Ride i L-1 Condominium Rider ❑ Second Home Rider Planned Unit Development Rider 1 Ott ads) (specify SIGNINC BELOW, Borrower accepts and agrees to the terms and covenants contained In IhISBe,C Ity{nslmmant and In any riders( executed by Borrower and recorded Win it. Signed, sealed and delivered In the presence of: Wilness5fgnature:J0 V( lhLl s Signature t, Borrower- aBSE IIAAT Z �J-' Witness Print Name War- l�<'\.—V—xj, _ Signature: .:., s r ✓r r 7 & L {-- Y,;7" Borrower SANAIWL NARTINSZ ---5 Witness Print Name: L.Ci"', M Address; 1805 601 Ave. Zausokalee, Fl.crida _4142 STATE CF_Florma_ COUNTY OF —Collier__ 1 hereby certify that on this day, before me, an officer duly authorized in the state aforesaid and In the county aforesaid to take acknowlecgements, personally appeared JOSE NAATINEZASANAIDA NAATINBZ ZIorra known to be the Perseids) described in and who nxecated the foregoing instrument and acknowledged before me that HE/ SHE/ THEY executed the same for the purpose therein expressed. WITNESB my hand and official seal in State aforesaid this August 27, 2002. My Coma lesion Expires: M L.W:11.\1 tit �Ri, ytan.IlW.`�.0 • • OBLO 15000.00 Attn: 3050071 OR; 3115 PG; 2417 ABCI?it )sD15.00 rose o HOUSING A URBAN INPROVIRINT RICORDID In th OFFICIAL RECORDS of COLLIER COUNTY, PL DOC-As S2.50 INTIR OTTICI 09/?1/2002 at 08:21AN DNIGHT I. BROCI, CLARI ATTN: WINDY RLOPP SECOND 1001tT011GE THIS SECOND MORTGAGE ('Security Instrument') Is given on September 17, 2002. The Second Mortgagor Is: JOSE A Ishii MATAMOROS ('Borrower'). This Security Instrument is given to Collier County ('Lender'), which is organized and existing under the laws of the United Slates of America, and whose address is 3050 North Horseshoe Drive e275, Naples, Florida 34104. Borrowerowes Lenderthesumof fifteen Thow1:1 Dollars (U,S,3 15,000.00). This,deblls evidenced by Borrower's Note dated the same date as this Security lnstmment ('Second Mortgage'), which provides for monthtypayments, with the full debt, It not paid owner, due and payable on sale of DroDertyr relinanca, or lose of homestead seanytion. This Security instrument secures to Lender. (a) the repayment of the debt evidenced by the Note, with Interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with Interest advanced under paragraph 7 toproteetthe secudtyof the Security ImArumenl; and (a) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose. Borrower does hereby second mortgage, grant and convoy to Lender the following described property located In Collier County, Florida. More particuladydescrlbeQ§§IS t Lot 5, Collier Villager as recorded in Plat Book 17, page SO Public Recordi,-�Cdl 'sr County, Florida. eolioN27192503359 °, .. ;trrid which has the address of ('Property Address'): '.;.1 F 0 Hope circle. nnikalkalee, veFlorida 34142 r TOGETHER WITH all IhwApromenls now or hrzeiareafter erected on the property, and all easements, rights, appurtenances, rents, royalties, Trend, oil and gas rights and profits, VVV+++star rights and stock and all fixtures now or hereafter a pad of the property. The Security Instrument shall also cover all replece(nenlsa0¢additions. All of the foregoing is relerred to In this Security Instrument as the 'Property. BORHOW ER COVENANTS Ifia(BBggi ewer is lawfully seized of the estate hereby Conveyed and has the right to mortgage, grant and convey the Property and that the Properly is unencumbered, except for encumbrances of record. Borrower warrants and wilt defend generally the title to the Property against aliYcialms tend;demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT con bps uniform covenants for national use and non -uniform Covenants With limited variation by jurisdiction 10 conslluile a uniform security O Instrument b60, r UNIFORM COVENANTS. Borrowereddi.ender I,ve 1. Payment of Principal and lntarest; ProQi lanl and Interest on the debt evidenced by the Note. 1'�' Q 2, Taxes, The Mortgagor will pay all taxes, esAT thereon. The Mortgagor shall pay orcause to be paid, as [hear any kind whatsoever which may at any time be lawfully assesse charges, Including'sowlce charges', Incurred or imposed for (fie Property, and (3) all assessments or other governmental chart Mortgagor shall be obligated under the Mortgage to pay or cause of the Mortgage, and shall, promptly after the payment of any of 3. Application of Payments. Unless applicable law p Interest due; and, to pdnci pal due; and lest, to any late charges e. Charges: Lions. Borrower shall payall lazes, ease all notices of amounts to be paid 1 and agree as follows: Late Charges. Borrower shall promptly pay when due the principal of sawer rents or water rates prior care accrual of anypenalaes w interest is due, (A)(1) all loxes and governmental charges of with respect to the Property. (2) all utility and other ce, use, occupancy, upkeep and Improvement of the be paid in Installments over a period of years, the istallments as are required to be paMduringthe lens I to Mortgagee evidence of such payment. xaysnenls received by Lendershall be applied; rest, to is and Impositions alldbutabtg to the Property Which it any. Borrowershali prortNNly human to Lender i yments. nslmmenlumess Borrower. (a) agrees In writing to the payment of the obligation secured by the lien in a manner acceptabO to Lender, to) contests In good faith the lien by, or defends against enforcement of the lien in, legal proceedings which In the Lenders opinion operate to pro, litli4gr4ocementof the lien; or secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this:Sgcudty.)hstmmenl. It Lender determines that any part of the Property is subject to a lien, which may claim priority over the Security lnstmmen1ja Der y give Borrower a notice identifying the lien. Borrower shall satisfy the Ilan or take one or more of the actions set loan above wilh)d10, ys of the giving of notice. 5. Hazard or Property Insurance. Borrower shall keep the improvements now a s5n� phereafter erected on the Property Insured against loss by lire, hazards included WmIn the term'exlended coverage' and any older-h zar��rSy�Idncluding floods or (loading, for which Lender requires Insurance. This Insurance shall be maintained In the amounts end l0/ the g, s that Lender requires. The Insurance canter providing the insurance shall be chosen by Borrower subject to Lenders aW0v91,-xwfihich shall not be unreasonably Withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coviyrage, topmle:t Lenders rights In the Properly In accordance With paragraph 7. At all limes that the Note Is outstanding, the Mortgagor sheifmaintAin insumncewith respect to the Premises against such risks and for such amounts as are cuslomAnlyinsured lnslar ago�d pa. a same become due and payable, all premiums In respect thereto, Including, but not Ilmlted to, alpnsk insurance prolecting the Interests of the Mortgagor and Mortgagee against loss or damage to the Premises by lire, lightning, and other casualties customarily insured against (including boiler explosion, It appropriate), with a uniform standard extended coverage endorsement, including debris mmoval Coverage. Such Insurance at all timeslobe In an amount not less than the full replacement cost of the Premises, exclusive of feelings and foundations. All Insurance policies end renewals shall be acceptable to Lender and shall Include a standard mortgage clause. Lender shall rave the right to hold the policies and renewals. 11 Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewainotices. In the event ofloss, Borrower shall give prompt notice to the insurance comer and Lender. Lender maymake proof of loss if not made promptly by Borrower, Unless Lender and Borrower otherwise agree in writing, Insurance proceeds shall be applied to restoration or upshot the Property damaged, If the restoration or repair Is economically feasible and Lenders security Is not lessened. If the restoration or repair Is not economically feasible or Lenders secudtywould be lessened, the Insurance proceeds shell be applied to the sums secured by the Security Instrument, whether or not then duo, with any excess paid to Borrower. II Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the Insurance carder has offered to settle a claim, then Lender may collect the Insurance proceeds. Lender may use the proceeds to repair or restore the Pmpartyor to pay so me secured by this Security Inslmmenl whether or not than due. The 30- day period will begin when the notice Is mailed. Unless Lender and Borrower otherwise agree In writing, any application of proceeds to principal shell not extend or postpone the due date of the monthly payments taloned to In paragraph 1 or change the amount of the payments. If under paragraph 21 the Property Is acquired by Lender, Borrowers night to any Insurance policies and proceeds Snuffing tram damage to the Properly prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument Immediately prior to the acquisition. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, LseseMitls. 1 ,wea.wp OR; 3115 PG; 2418 eom 0 Borrower shall occupy, establish, and use the Property as Borrowers principal residencewilhin slaty days alter the execution of this Security Instrument and shall conlinue to occupy the Property as Borrowers principal residence for at least one year alter the dale of occupancy, unless Lender otherwise agrees In writing, which consent shall not be unreasonably Obtain, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destroy, damage or impair the Property, allows the Property to deteriorate, or commit waste on the Property. Borrower shall be in defaui(1l any juncture action orproceeding, whether civil orcriminal, is begun that to Lenders good faith judgment could result In Iodelture of the Property or otherwise materially Impair the lien created by this Security Instrument or Lenders security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lenders good faith determination, precludes Indicate of the Borrowers Interest in the Property or other material Impairment of the lien created by this Security inalmmenl or Lenders security interest. Borrower shall also been default If Borrower, during the loan application process, gave materially false orinaccunde information or statements to Lender (or tailed to provide Lender with any material Information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrowers occupancy of the Property as a principal residence. If this Security Instmment is on leasehold, Borrower shall comply Win all the provlSion of the lease. If Borrower acquires fee title to the Properly, the leasehold and the lee title shall not merge unless Lender agrees to the merger in writing. 1. Protection of Lender's Rights In the property. It Borrower fails to perform the covenants and agreements contained in this Security Instrument, or more Is a legal proceeding that may significantly affect Lenders rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or foriedure or to enforce laws or regulations), then Lender maydo and payfor whatever is necessary to protect the value of the Property and Lenders rights in the Property. Lenders actions may include paying any sums secured by lien, which has priority over this Security Instrument. appearing in court, paying reasonable altomeys' lees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Londe does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this SecuAWnstmment. Unless Borrower and Lender agree to other terms of payment, these stood Is shall bear Interest from the date of disbursement at the Note rate and shall be payable. Win inieresi. upon notice from Lender to 9( wr 1,, questing payment. 8. Mortgage, tseu ¢ N. If Lender required mortgage insurance as a condition of making the loan secured by this Securty Instrument, Borrower shell y tlfe premiums required to maintain the mortgage Insurance in elfecl. lh for any reason, the mortgage Insurance coverage requir it byyte d r lapses or ceases to be in effect. Borrower shall pay the premiums required to obtain coverage substantially equivalent to If'a unit if,Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage Insurance pie tons ry.IB,eIliiii%gt. am an alternate mortgage Insurer approved by Lender. II substantially equivalent mortgage Insurance coverage is not available, Bgr{o, r shall pay to Lender each month a sum equal to onedwel0h of the yearly mortgage insurance premium being paid by Borrower wi}elithe insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve In lieu of mortgage Insurance. Loss reserve payments may no longer be required at the option of Lender, it mortgage insurance coverage (in the amoun,Lan for the period that Lender requires) provided by an insurer approved by Lender again becomes available and lS oDlainetl. eoitmve�'s all pay the premiums required to maintain mortgage insurance in aged. orto provide a loss reserve, until the requlremonl for modgagW ip notice ends in accordance with any Milan agreement between Borrower and Lender or applicable law, 9. Inspection. Lender or its agent In me ` reasonable entries upon and Inspections of the Property Lander shall give Borrower notice at the time of or prior to an inspedtfop'a eci�ying reasonable cause for the Inspection. ca 10. Condemnation. The proeds'of-a y avwarrl or claim for damages, direct or consequential. In connection with any condemnation or other taking of any pad of the Properlyrttgr'Idr1or veyance in lieu of condemnation are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, gfa 'eeid5 @@@hag be applied to the sums secured by this Securi%Instrument, whether or not then due, with any excess paid to Borrower. In twill, gv�ril of a padfal taking of the Property, in which the fair market value of the Property immediately before the taking is equal to or great th If Span oflhe sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agr in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following track n: (e)�He}o at amount of the sums secured Immediately before the taking, divided by (b) the fair market value of the Property immedialelyDa((ore In 1 �Jng. Any balance shall be paid to Borrower. In the event of partial taking of the Property in which the fair market value of the Pi �, I�m4diately before the taking is less than the amount of the sums secured Immediately for the taking, unless Borrower and Lender otfi � agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Secutlty InsG6m6ntwh�ther or not the sums are then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to pnnciP�,�fZ11 not extend or postpone the due date of the monthly payments referred to in paragraphs 1 or change the amount of such payhoe nls.:� , \ 11. Borrower Not Released, Forbearance By Lender Not a Wrr( eMl Firs nsion of the time for payment or modification of amonizatlon of the sums secured by this Security lnstrumem granted by Lendar�lyy.5ny� �u�cessor In interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers! in inlere3lY k,efiit Ihall not be required to commence proceedings against any successor in interest or refuse to extend time forpayment or otherwise moderyy monlzallon of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Bonowers'sui$essors.ln Internal. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any dghl ier�Say. 12. Successors and Assigns Bound; Joint and Several Liability; COSlgnirsI Th¢¢ �rename and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, Sublet: o)Re Provisions of paragraph 17.Borrowers covenants and agreements shall be joint and several. Any Borrower who cosigns lAfs SecuhYyyrstm l but does not execute the Note; (a) Is co-signing this Security Instrument only to mortgage, grant and convey that Borrowers Intergsl.ln t e Property under the terms of (his Security Instrument; (b) Is not personally obligated to pay the sums secured by this Security Ins)gLm„8n ,'antl (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations w11h regard to the ri1r,5 a this Security Instrument or the Note without that Borrowers consent. 13. Loan Chargea. 11 the loan secured by this Security Instrument is subject to a law which sets ma mum loan charges, and that law is Iinallyinleryreled so that the Interest or other loan charges collected or to be cdlecied In connectlorwn'p}ihe loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce thnchefge m the'6beermdtedlimiC and (b) any sums already collected born Borrower which exceeded permitted gmitswill be refunded to Sorrowful. Lender may choose to make this refund by reducing (he in nclpal owed under the Note or by making a direct payment to Borrower. 11 a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mall unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Londer. Any notice to Lender shall be given to Borovsfr or Lender when given as prove ed in !Ius paragraph. 15. Governing Law; Severablllty. Federal law and the law of the jurisdiction In which the Property is located shall govern this Security Instrument. 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 conllid ngprovision. To this end the provisions of this Security Instrument and the Note are declared lobe severable. 10. Borrower's Copy. Borrower shall be given one conlormod copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest In Bonower, li all or any partof the Properiyor any Interest in it is sold or traniforred (or If a beneficial Interest In Borrower is sold or transferred and Borrower is not a natural person) without Lenders prior written consent. Lender may, at Its option, require Immediate payment In full of all sums secured by this Security Instrument. However, Lender shall not exorcise this option it Ioderal law as of the date of this Security Instrument prohibits exercise. 11 Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not toss than 30 days from the dale the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. 11 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, 10. Borrower's Right to Reinstate. It Borrower meals certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of : (a) 5 days (or such other period as applicable law may specity for reinstatement) before sale of the Property pursuant to any power of sale contained In this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Bonower.(a) pays Lender all sums which then would be due underthis Security Instrument and the Note as if no acceleration had occurred; fill cures and default of any other covenants or agreements; (0) pays all ,yied.wp 0* OR: 3115 PG: 2419 *** Yom o expenses Incurred In enforcing this Security Instrument, Including, but not limited to, reasonable attorneys lees; and Jr!) takes such action as Lender may reasonabtyrequlre to assure that the lien of this Security Instrumenl, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security instrument and the obligations secured herebyshall remain fully effective as it no acceleration had occurred. However, this right to reinstate shall not apply In the case of acceleration under paragraph 17. 19. seta of Note; Change of Loan Sarvicer, The Note or a partial Inlemslin the Note gogelherwflh this Security Instrument) may be sold one or Moro times without prim notice to Borrower. A sale may result in a change in the entity(known as the' Loan Servicer") that collects monthly payments due under the Note and this Security instrument. There also maybe one or more changes of the Loan Servicer unrelated to a sale of the Note. II there is a change of the Loan Servicer. Borrower will be given warren notice of the change in accordance with paragraph 14 and applicable law. The notice will stale the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other infonnalfon required by applicable law. 20. Heaardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, not allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. 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. Borrower shall promptly give Lender written notice for any invesligalion, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party Involving the Properly and any Hazardous Substance or Environmental Law of which Burrower has actual knowledge. If Borrower learns, or is nolllied by any governmental or regulatory authority, that any removal or other remedialion of any Hazardous Substance alfecting the Property Is necessary, Borrower shall promptly take all necessary remedial actions In accordance with Environmental Law. As used In this paragraph 20, Hazardous SubstanceS'rim those substances defined as toxic or hazardous substances by Environmental Law and the following"syh$td ca99: gasoline, kerosene, other learnable or toxic petroleum products, tompersticides and hemakes. volatile solvents. materials confafning✓a11 af(os or formaldehyde, and radioactive materials. As used in this paragraph 20,'Environmental Law' means federal laws and lafi'oyythe( nsdtclton where the Property is located that relate to health. salary or environmental protection 21. Additional gear At. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this`$!J` 01itphisWmenl (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall spemty, iti 'a default: M) the action required to cure the default; (c)a date, not less than 30 days Irom the date the notice is given to Borrower, bywbic Ihg`defaull muslbecured;and (d) that failure to cure the default onor beforethe dale specified in the notice may result In aecelerali66n of the sums secured by this Secumy instrument, foreclosure byludicial proceedirg and sale of the Property. The notice shall further inform Boa of or the right to reinstate alter acceleration and the right to assert In the foreclosure preceding the non•exislence ofadelaUl4or any iher defense of Borrower to acceleration and foreclosure. I1 the default is not cured on or before the date specified in the notice. Lead r, at its option, may require immediate payment in full of all sums secured by this Security Instrument without further demand and may yoreglose it Security Instrument by judicial proceeding. Lender shall be emilled to collect all expenses incurredin pursuing the remedies pro6ldedin is paragraph 21,Including, but not limited to, reasonable attorneys fees and costs of the title evidence. `•;. 22. Release. Upon payment of all sums§lcuratlby this Security Instrument, Lender shall release this Security o5tmment,without charge, to Borrower. Borrower shall pay any reconfaitotiEbsp. 23. Attorneys' Foos. As used l n this Secudyll of and the Note.'abomeys fees' shall include any attorneys 'IC awarded by an appellate court. 24. Riders to this Security Instrument. It ene4fmareudders are executed by Borrower and recorded toll l with this Security Instrument, the covenants and agreementsof each such Hoer%hallb(Npcorpomted into and Shall amend and supplement the Covenants and agreements of this Security lnstmmanl as if the ndeerr(s) were'a partI.rls Security Instrument. (Check Applicable Box) ❑ Adjustable Rate Rider U R/Rate)mproyement Rider u Condominium in ❑ Graduated Payment Rider U ❑u Balloon Rider ❑ Othens)(specify SIGNING BELOW, Borrower accepts and agrees to the leans and executed by Borrower and recorded with it. Signed, seated and delivered In the presence ol: Witness Signature:_ LLL��`� , Witness Print Name:_ Witness Signature:_ C. _v —_ Witness Print Name:_ L 1,11it r.,i .5 ri Cc,r d STATE OF — Florida -COUNTY OF.__Coiller ly iRd r ❑ Second Home Rider �Payiifienl,fuder lu Planned Unit Development Rider ananl5 cont9ipAlf In this Security Instrument and in any riders) Address: 600 Hope a e12: Immokalee !lurid — 39192 I hereby certify that on this day, before me. an officer duly authorized In the stale aforesaid and in the county aloresaid to lake acknowledgements, personally appeared JOSS ¢ NARIA MATAMOROS to me known to be the persen(s) described in and who executed the foregoing Instrument and acknowledged before me that HE SHE/ THEY executed the same for the purpose therein expressed. WITNESS my hand and official seal In the Cou ty antl State aforesaid this Member 17, 2002 My Commission Expires: Notary Pu Plic'sSignelyuk— _(tLIICrl �)( Notary's Printed Name (SEAL) ,pvk1ze4R L\LIRI s I In \RD y ,n rI W,n„I�•, n� ­,e,ed.%P INSTR 5578724 OR 5527 PG 407 RECORDED 6/28/2018 3:59 PM PAGES 2 CLERK OF THE CIRCUIT COURT AND COMPTROLLER, COLLIER COUNTY FLORIDA REC $18.50 Prepared by: Wendy Klopf Collier County Community & Human services Division 3339 E, Tamiami Trail, Building H, 4211 Naples, PL 34112 THIS SPACE FOR RECORDING RELEASE Or LIEN KNOW ALL M) N (13Y HESE PRESENTS: That Collier County, whose post office address is 3299 E. Tamiam T1, Ntlples, Florida 34112, the owner(s) and holder(s) of a certain Impact Fee Waiver Agreements'.,e*uted by Immokalee Habitat for Humanity, Inc. to Collier County, having met thell5 year affordability housing obligation associated with the $65,112.31 of SHIP Impact Fee Waivers,p hich is hereby acknowledged does remise, release, quitclaim, exonerate and discharge frolii�,}? lien and operation of the said agreement, that certain portion of the premises conveyed by saidien; more particularly described as follows: Exhibit A The undersigned is authorized to and d{ named properties, and consents to these + said properties. This Release of Lien was approved by ZuC n C;)�p 2018, Agenda Item I +�l`j KINZEL, A PEST: h ¢- RK ppr'legality: yHHferit-Hel - f, n Pe T Assistant County At �1 4r1#1 OP release these Liens with respect to the above- g forever discharged of record with respect to of County Commissioners on - C, *** OR 5527 PG 408 *** EXHIBIT A Various lots as listed below for, Collier Village, according to the plat thereof recorded in Plat Book 17, Pages 60-62, of the Public Records of Collier County, Florida. Resolution # BCC approval--• date,: CO date ,.,` 15-year affordability end date Legal Description* Impact Fee (OR/Page) Impact Fee Amount 94-396 6/7/199, ;< ;/7. 1995 4/7/2010 Lot 1, Collier Village 1956/1035 $3,929.52 94-390 6/7/1994, 4/7 1 95 4/7/2010 Lot 4, Collier Village 1956/1000 $3,929.52 94-384 6/7/1994 ` - 5%99 5 3/15/2010 Lot 5, Collier Village 1956/0993 $3,929.52 94-387 6/7/1994 4 77149� 4/7/2010 Lot 6, Collier Village 1956/0979 $3,929.52 94-388 6/7/1994 3/ 9/1995 3/29/2010 Lot 7, Collier Village 1956/0986 $3,929.52 94-397 6/7/1994 4nitq, sr, 4/7/2010 Lot 8, Collier Village 1956/1042 $3,929.52 94-395 6/7/1994 4/7/1993 . 4/7/2010 Lot 9, Collier Village 1956/1028 $3,929.52 93-459 6/7/1994 7/29/199' „`.7-.�/2009 Lot10, Collier Village 1956/1135 $3,929.52 93-458 6/7/1994 7/29/1994 7/2R Q09 Lot 11, Collier Village 1957/0313 $3,929.52 93-456 6/7/1994 8/1/1994 � •-8(I/2_ 9, Lot 13, Collier Village 1956/1142 $3,929.52 93-460 6/7/1994 8/12/1994 $Ll/2 09`, Lot 33, Collier Village 1956/1121 $3,929.52 93-451 6/7/1994 9/29/1994 k92009•, Lot40,Collier Village 1956/1114 $3,929.52 93-452 6/7/1994 7/29/1994 7/29% 00 Cpt 4l, Collier Village 1956/1107 $3,929.52 93-453 6!7/1994 7/22/1994 7/22/200 42, Collier Village 1956/1100 $3,929.52 93-454 6/7/1994 7/22/1994 7/22/2009: Lo" Collier Village 1957/0278 $3,929.52 93-455 6!7/1994 7/22/1994 7/22/2009 - " t 'Collier Villa e 1956/1058 $6,169.51 °:�•.;')`f, Total $65,112.31 0 . O1LD 15050.00 3034815 OR; 309 PG; 1007 Olt1 15000.00 Aeta; 612 11CofDlg 20 the 0112CIAL IICOID7 of (Gloat COMM, 1L ISAII roeoc o imioilfclflo►llllal CA 01f22f2001 at 01:41AK D11O17 1, lAOCK, CtiAl WC n1`1111 111111111 11,011 ORCOt4D NORTCi110E THIS SECOND MORTGAGE ('Secudty, Instrument') is given on August 7, 2002. The Second Mortgagor is MA7t1A elowamms ('Borromet. This Security Irish~[ is given to Collier County ('Lender'), which is organized and existing under Me lawn of the United Slates of Amedcs, and when addrem Is 3050 North Horseshoe Drive e275, Naples, Florida 34104. Borrowarow(A Londe? the Sum of tlltesn ffio WA Dollarm(U3.1 15,000.00). This,dablis evidenced by Bo comes Note rioted the gams date sathisSecudty Instrument CSecond Morpege'), which provides for monMNpayments, Y Mthe full debt, it not paid eanfar, due and payable on sale of Dronerty, refioee0e, or lose of Lonaateed esseMtlon. This Sacredly Instrument socures to Londe?: (a) the repayment of the debt evidenced by the Note, with interest, and an renewals, extensions and mocgficatlone; (b) Me payment of all othersume,wlM Intereatadvenad under paragraph 7loproledthe secunyol the Swudly Instrument; and (a) the performance of Borrowers covenants, and agreements under this Security Inseumenl and the Note. For this purpose, Borrower does hereby Second mortgage, grant and convey to Lender the following described property located In Cc 11ier Count , Flodde. More particularly daacpbbggdd a : L a 74 Block 25, New Matkll Subdivision As Recorded In Plat Book 306a Papa U24 of the Public Rwanda of Collar CoSniy . F01I0sa3457B2000D and which has the reep.0,f 1 ('Property Address'): ( )O'fr Washington St. TOGETHER WITH all the Improvements now or hereafter erected on the property, and all easements, rights, appurtenances, rents, royalties, mineral, all and gas rights and protk/, ter rights and stock and all fixtures now or hereafter a part of the property. The Security Instrument shell also cover all replecemerrWi additions. Allot the foregoing is?startedto in this Security Instrument as the'Property'. BORROWER COVENANTS that war, to fawluly Seized of Me estate herebyconveyad and has the right to mortgage, giant and convey the Property and that the Props le uwrw mbered, except for e�umto ances of record. Burrower warrants and will defend generally the title to the Property against all claim q and ads, subject to any encumbrances of record. THISSECURI7Y INSTRUMENTcomblM1e.eun rill covenants for national use and nontInilortnmvenentswim limited variation by lurlsdk:lion to coneatule a unllorm security Inetnir�ii) yd4q UNIFORMCOVENANTS. Borrower eidl 1. Psymentof Prklolpalsndinterasl; and Interest on the debt evidenced by gin Note. 2. Texan. The Modgagorwill payall taxes, near herself. The Mortgagor shall payorcause to be paid, as any dad whatsoover which may at any gone be lawfully as charges. Inciuding'senroo charges', Incurred or Imposed I Property, and (3) all ammaments or other govemmentai Mortgagor shall be obligated under the Mortgage to pay or of the Mortgage, and shalt, promptly alter the payment of i 3. App0milm of Payments. Vnlessapplkable Interest We: end, to principal den; and IuL to any late chi 4. Charo"!Lane. Borrower Mass my all lam. may edam W all notices of and Ina Mal property. afraid and agree as follows: 4qd Leta Charges. Senower shell prompttypaywhen due the principal of htoower mnte or water rain pdorto Me amwal of anypeneldes or Interest part of Ole Property is subject to a Ian, which may attain prlorryover the Ilan. Borrower Nell aatiaty, the Ilan or take one or?rare of the s M Hamord or Property Insurance. Borrower &hall keel Insured against an by tire, hazards Included within Hie term'exter Mich Lender regNree Insurance. This Insurance shall be mint time due, (A)(1) all faxes and govemmentat charges of or with respect to the Property, (2) all utility and other ante, use, occupancy, upkeep and improvement of the y be paid in installments over a period of years, the i installments as are required to be paid during the term and to Mortgagee evidence of such payment. ,payments moolved by Lender shall be applied; first, to ineBend Impoinho" attributable to the Propel, which ler(ts, f any. Borrower shall promptyfumish to Lender MB PP¢¢ymenls. Utltylnshmenlunless Faorrower. (a)agreesinwnbng to ;b) conta6tsin good faith the lien by, or defends against t =ifthe %olcenrom of the lien; or (c) secures from his$ u#If<simment. If Lender determines that any wmele ni,nd9r lA yglve Bonoweranotice identifying shows w1Mir(io'aaQj� of Me giving of notice. ratsnow 0', find la. re90ererected on the Property and anyaMAM6zarrdds� including floods or flooding, for ounts and for:., ,p4+1, that Lender requires. The Lenders approval; shall not be unreasonably nders option, obtatncgve ,Mprotect Lendersrights In the Prop"In accofdanoewhh PAMgreph7. At all timethatthe Note IsoptsMnding, tine Mortgeporsheiintein lnsurencewtthrespect to the Promises sgatnsl such risks and for such amounts ware Cuslomamyinsured against end pay,reto same became due and payable, all premiums In respect thereto, including, but not limited to. All-risk Insurance protecting the Inhimsle of the Mortgagor and Mortgagee against Iles or damage to the Promisee by fire, lightning. and other casualties customarily insured against (including boiler explosion, if appropriate), with a unitorm standard extended coverage entloMarnenL Including debris removed covers". Such insurance stall times to be In an amount not Nu than the full replacement cost of the Promises, exclusive of footfalls and foundations. All Insurance policies and renewals shall be acceptable to lender and shall include aslandar d mortgage clause. Larder shall have the right to hold the policies and renewal. If Lender equires, Borrower Shelf promptly gate to Lender an receipts of paid premiums and Mnewalnotkas. In the event of lose, Borrower shell give prompt notice to the insurance center and Lender. Lender maymake prool of lass If not made orompsv by Borrower. days a nok mayuaathe ray period v principal IN extend the insurance shall as shelf be applied to restoration or repair of the Property Is not lessened. 11 the restoration or repair is not shelf be applied to the sums secured by the Secunly bandana the Properly, or does not answer wilhln 30 the Insurance carrbr has olaredtosattie admire, Man Lendermaycollecl the insurance proceeds. Lender or restore the Prope dy or to pay su m r swured by Nis S ecuf gy Ira notice is fuelled. Unions Lender and Borrower otherwise agree esteem the due dal of the monthly payments reamed to In p any application of proceeds to 1 or change the amount of the , ad.a,p 0. Occupancy, Presentation, Meinbnana and Protection of the Property; Borrower's Loan Application, Leaseholds, Borrower shall occupy, establish, and use the Property as Borrowers principal residence within sixlydays aflerthe execution of this Secuny Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the dale of occupancy. unless Lender otherwise agrees in willing, which consent shall not be unreasonably wnlhlieid, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destmy, damage or Impair the Property, allows the Property to deteriorate, or commit waste on the Property. Borrower shot[ be In default if any lortalture action or proceeding, whether civil or criminal, Is begun that in Lenders good lelth judgment could result In forfeiture of the Property or othenNse materially impair the lien created by this Secuny, Instrument or Lenders security interest. Borrower may cure such a default and reinstate, as provided In paragraph 18. by causing the action or proceeding to be dismissed with a wiling that, in Lenders good falln determination, precludes forfeiture of the Bonowwrs Interest in the Property or other material Impairment of the lien created by this Security lnstmmenl or Lenders securityintemst. Borrower shall also be in default It Borrower, during the loan application process, gave materially false or Inaccurate Information or statements to Lender (or failed to provide Lender with any material Information) In connection with the loan evidenced by the Note, Including, but not limited to, representations concerning Borrowers occupancyof the Property as a principal residence. II this Security Instrument is" leasehold, Sonowershall comply With all the provision of the lease. If Borrower acquires to title to the Property the leasehold and the tee title shall not merge unless Longer agrees to the merger In writing. 7. Protwdon of Lender's Rights In the Property, 11 Borrower fails to perform the covenants and agreements contained in this Security insimmem, or there Is a local amceading that may significantly effect Lender's rights in the Property (such as a proceeding in terms of payment, Iheffe notice from Lender to 8 6. Mortgage Instrument, Borrower ai )r forfeiture or to enforce laws or regulations), men Lender may do and pay for whatever is necessary Lenders rights In the Property. Lenders actions may Include paying any sums secured by a lien, umenl, appeedng in court, paying reasonable attomeys' leas and entering on the Property to make in under this paragraph 7, lender does not have to do so. Any amounts disbursed by Lender under I debt of Borrower secured by this Security instrument. Unless Borrower and Lender agree 10 other seer Interest from the date of disbursement at the Note rote and shall be payable. Win interest, upon mortgage insurance previously in efleor, 1! Insurance coverage Is not avallabierEGrrol premium being Palo by Bonower when the payments as a loss reserve In lieu of mor( mortgage Insurance coverage (in the am'o becomes available and is obtained. Sortov reserve, until the requirement tot merfgag applicable law. g, Inspection. Lender or Its e Borrower notice at the lime of or prior to at 10. Condemnation. The prat required mortgage insurance as a condition of making the loan secured by this Security required to maintain the mortgage Insurance In effect. II, for any reason, the mortgage t or ceases to be In effect, Borrower shall pay the premiums required to obtain coverage once previously in effect, at a cost substantially equivalent to the cost to Bonower of the an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage Mall petite, LendereeCh month a sum equal to one-t eltlh of the yearly mortgage insurance rr@nee coverage lapsed or ce0sed to be In effect. Lender will accept, use and retain these I�daurance. Loss reserve payments may no longer be required, at the option of Lender, it and for the period that Lender requires) provided by an Insurer approved by Lender again hall paythe premiums required to maintain mortgage Insurance in effect, ortopmvide a loss Iutahc6 attds in accordance with any mitten agreement between 8onower and Lender or table entries upon and Inspections of the Property. Lender shall give reasonable cause lot the Inspection. claim for damages, direct or consequential, in connection with any Lender. In the ewmol a total taking of the Property, the(r s all be or not then due, with any excess paid to Borrower. In td a . e.peof Property Immedlately before the taking Is equal to or gmaleirl; the a; before the taking, unless Borrower and Lender otherwise al' In' RAWp the amount of the proceeds multiplied by the following Irecllon:AH) theI edialely IW 4 dividedby(b) the lair market value of the PropertylmmbaI' the4 partial taking of the Property In which the fair market value of tha Pro' 'r�Ayfir secured Immediately for the taking, unless Borrower and lenderomer3aa s proceeds shall be applied to the sums secured by this Security Inalmrper Bonower otherwise agree in writing, any application of proceeds to PrI payments referred to In paragraphs 1 or change the amount of such Any"" 11. Borrower Not Released, Forbearance By Lender Not a I amortization of the sums eNumd by this Security Inalrumentgranted byler release the liability of the original Bonower or Borrowers successors in Inn against any successor In interest or refuse to extend time for payment or out Instrument by reason of any demand made by the original Borrower or Boi exercising any tight or remedy shall not be a waiver of or produce the Star 12. SuOauon and Assigns Bound; Jolntand SawraILIWM' Instrument shall bind and benefit the Successors and assigns of lender and covenants and agreements shall be joint and several. AnyBorewerwhoce Is co•slgning this Security Instrument only to mortgage, grant and convey Security Inslrunumb (b) Is not personally obligated to paythe sums secured other Borrower mayagree to extend modify. forbear or make any accommo Not with t lh t B r I condemnation, are hereeyassigned and shall be paid to to the sums secured bythis Security Instrument, whether g of the Property, in which the lair market value of the a sums secured bythls Severity Instrument immediately i secured by this Security instrument shall be reduced by int of the sums secured Immediately before the taking, Any balance shall be paid to Borrower. In the event of a lely before the taking Is tens than the amount of the sums I writing or unless applicable law otherwise provides, the her or not the sums are then due. Unless Lender and 14nol extend or postpone the due dale of the monthly ei. E�xIimsion of the time for payment or modification of 10 a(ys, essor in Interest of Borrower shall not operate to L:henr), shell not be required to commence proceedings sum dy amortization of the sums secured bythis Security are sucpaspomrjlnterest. Any forbearance by Lender in :p-SIgneeb_7SIe"deve ants andagreements of this Security rower, subjecl1gtKaP visions of paragraph 17. Borrowers lsthissecurtty 11shu MQN does not execute the Note; (a) Borrowers InlPresW thy P(opeAy under the terms of this ds SecuntyInstmrh9pli 8Ad fcI agrees that lender and any enswithreasrdlotheumns Ithis Securitvinshumentorthe Oe ou a orrows sconsenl. - 13. Loan Charge. If the loan socuted bythis Security Instrument is subject to a law which softr9aximtim Loan charges, and that law Is finally Interpreted so that the Interest or other loan charges collected or to be collected in connection seam the loan exceed the permitted limits, then: (a) anysuch loan charge shall be reduced bythe amount necessary to reduce thecharge to the Permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender maychoose to make this refund by reducing the principal owed under the Note or by making a direct payment to Bonower. it a refund reduces principal, the reduction will be treated AS a partial prepayment wihout any prepayment charge undor the Note. 14. Notices, Any notice to Borrower provided for In this Security instrument shall be given bydelivering it or by mailing 11 by first class mall unless applicable law required use of another method. The notice shall be directed to the Property Address or anyother address Borrower designates by notice to Lender, Any notice to Lender shall be given to Borrower or Lender when given as provided In this IS. Governing Law; Bevereblihy, federal law and the law of the Jurisdiction in which the Property is located shall govern this Security Instrument. In the even] that any provision or clause of this Security Instrument or the Note conflicts with applicable Inv, such conllktsholl not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting pmvision. To this and the provisions of this Security Instrument and the Note am declared to be severable. 15. Borrower's Copy. Borrower shell be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest In Borrower, It all or any pad of the Pmpar yor anyinterest in it is sold or lranslened (or It a beneficial Interest In Bonower Is sold or transferred and Bormwer Is not a natural person) without Lenders prior Milan consent, Lender may, at Its option, require immodiate payment In full of all sums secured by this Security Instrument. However, Lender shall not exercise this option II federal taw as of the dale of this Security instrument prohibits examine. 11 Lender exemWed this option, Lender shell give Borrower notice of accelemllon. The notice shell provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums Secured by this Security Instrument. II Borrower fails to pay these sums prior to the explrapon of this period, Lentler may Invoke any remedies perrnlaed by this Securily Instrument without Nigher notice or demand on Borrower. ..ad. n 18. Sonowe's Rlghtlo RsI state. It Borrower meels certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the eadler of: (a) 6 days (or such other period as applicable law may specify for reinstatement) before Sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Secudtylnstrument. Those conditions are that Borrower (a) pays Lender all sums which than would be due under this Security instrument and the Note as It no acceleration had Occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses Incurred in enforcing this Security Instrument, including, but not limited to, reasonable ahomeys lees; and (d) lakes such action as Lender may masonabtyrequire to assure that the Ilan of this Security Inal umont, Lenders rights In the Property and Borrowers obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Secunly instmmenl and the obligations secured hereby shall remain fully ellectve as It no acoalembon had occurred. However, this right to reinstate shall not apply In the case of acceleration under paragraph 17. iC Sale of Note; Change of loan Servkw. The Note or a partial Interest in the Note (together with this Security Instrument) may be Sold one or more times without prior notice to Borrower. A sale may result In a change in the entity (known as the "Loan Servicer') that collects monthly payments due under the Note and this Security lnshuroma. There also may be one or mom changes aline Loan Servicar 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 in accordance with paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be media. The notice will also contain any other information required by applicable law. 20. Hssardou■ Subtleness. Borrower shall not cause or permit the presence, use, disposal, storage. or release of any Hazardous Substances on at the the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is In violation of any Environml)gla ay/. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small Property. of HBxertl0lis Sub� %a sthat are generally recognized to be appropriate to name[ residential uses and to maintenance of the Property. :�7 "`•. Borrower shell promptly give L¢Kddr Hen notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agancy0f pdvete Vady)Ay npp lee Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower IeamF;w n6li7 by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance allecting the PiOr.O's necessary. Borrower shall promptly lake all necessary remedial actions in accordance with As used in this paragraph 20,'Hazardaus Botim cos' am those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasQllna,ter one, other flammable or toxic petroleum products, toxic pesticides and homicides,volatile solvents, materials Containing asbestos or (o ' idehyde, and radioactive materials. As used In this paragraph 20.'Environmental Law" moans loderel laws and levee of the judstlb( whamitor Property Is [mated that relate to health, solely or environmental protection. 21. Accollrallon; RsmedNe, L rider 6 It notice to Borrower prior to ameleretion following Bonower's breach of any covenant or agreement In this Secad Instrum 't (bullnot prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice aheIlls peclly. (a) the data tl1:ttK(ee eHon roqubed to cure the default;ss (c)adate, not lethan 30 days from the date the notice Is given to Borrower, bywhlch the defouhnbl bRR,CU(ad; and (d) that failure to cure the default on or before the dale swilled in the notice may result in eaeleration of the sums s(rru'(ad b' Ig Security Instrument, foreclosure by judiclal proceeding and sale of the Property, The notice shall further inform Borrower or;Hlellghrenstate after acceleration and the right to assert In the foreclosure preceding the non-existence of a default or any otherI Ba ower to acceleration and foreclosure. if the default is not cured on or before the date specified In the notice, Lender, at its opif y. Ire Immediate payment in lull of all sums secured by this Security re Instrument wilhoulfurther demand and meyfoclosethfa Sdp 'lrist pm�entbyludiclelproceeding. Lender shall be entitled locoilecl all expenses Incurred In pursuing the remedies provided In this pa,, K2Y,-ncludlag, but not limited to, reasonable attorneys lees and costs of the Hilo aVmanCe. 1: 22.Rol"". Upon payment of all sums secured by this ty� marl, Lendershell release this Security Instrument, without Charge, to Borrower. Bor(dwef shall pay any recordation COaiB 23. Atlomsyt'Fses. As used In this Security In am the of Rgameys'foes' shall include any attomays'fees awarded by an appellate court. , 24. Rldanto this Seeurhylnstrumenf. Ifoneormoreddersa- 0%pc I�\ yeomover and recorded together with this Security Instrument the covenants and agreements of each such drier Shall be incorpo)A``idln'and shall amend and supplement the covenants and agreements of this Security Instrument as If the Howls) were a pad of thru ant. (Check Applicable Box) El Adjustable Rate Rider Rate Improvernor RI ❑ Condominium Rider El Graduated Payment flltler 1.4 Family Rider r^ �C Second Home Rider t n Balloon Rider BivreeNly Payment Rider...: } u Planned Unit Development Hitler El other(s) (specify � SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained In Hit u tyl strumenl and in any dder(s) executed by Borrower and recorded with IL f �- .),\ Signed, sealed and delivered In the presence of: .�/ Witness Print Name: L Fl L re STATE OF_Flodda_ COUNTY OF_CoHler_, Address: 406 Washington St. Imrnokalee, Florida 34142 I hereby codify that on this day, before me, an officer duly authorized In the stale aforesaid and in the county aforesaid to take acknowtodgements, personally appeared NARIA RODRIMIS to me known to be the polecats) described in and who executed the foregoing Instrument and ecknowteeged before me that HV SHE/ THEY executed the same for the purpose therein expressed. WITNESS my hand and ohiclel seal In lhtkCounty and Slate aforesaid this August7.2002, P I,\URF.N 1, HFARD Ni InUNlrsxn\ a t r —0, My Commission Expires: \ / —E"IL. i.ev.tnotnav rv, s.., S- - n (SEAL) .a.,ad.trp . • GILD IS000100 r r 3034816 OR, 3096 PG, 1010 iicltla 1SDi°5;oo FORM o Rita: tl0I IIC01D10 In the 011IC1A4 AIfORDS Of fOLLI1R fOaNTl, t4 DOC•.35 52.50 1at1R0tt1C11101118101 DR 01121/0002 It 0IN5AR DRIORT 1. BROCB, CURB IIIDt 60ti SECOND MORTGAGE THIS SECOND MORTGAGE ('Secudly Instrument') Is given on August 19, 2002. The Second Mortgagor is. FELIX GONtALRB, a single Gun ('Bomowef). This Security Instrument is given to Collier County ('Lender'), which is organized and existing under the laws of the United States of Amorice, and when address is 3050 North Horseshoe Drive 5275, Naples, Florida 3e104. Borrower owes Lander the sum of Fifteen Thousand Dollare(U.S.S 15,000.00),Tnis,debtis evidenced by Borrowers Note dated the same date as this SeCurlty Insuumant ('Second Mortgage'f, which provides formonmly payments. with the full debt, It not paid earlier, due and payable on sale of property, refinances or lose of hoseent*ad exemption. This Security Instrument secures to Lender. (a) the repayment of the debt evidenced by the Note, with interest. and ail renewals, extensions And modifications; (b) the payment of all ogres sums, with interest advanced underparegraph 7 loproleclthesecudtyof the Security Instrument; and (c) the performance of Borrowers covenants and agreements under this Securry itstmm untand the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lander the following described property located in Coll ier County. Florida. More pertkulartydesftfle! asf d�oot 1. La Villita xstatass, according to the plat thereof recorded in plat Rook, 9, odage 51 of the Public Records of Collier Coamty, Florida. and which has ('Property Address'): TOGETHER WITH all the Improvetnerasnow or hereeheremoted on the property, and all easements, rights. appurtenances. renls. royalties, mineral, oil and gas rights endprplils total rights and stock and all fixtures nowor hereafter a pad of the property. The Security Instrument shall also cover all replacements rid Additions. All of the foregoing is referred to In this Security instrument as me'Property'. BORROWER COVENANTS thatf�ower'Is lawfully seized of the estate hembyconveyed and has the right to mortgage, grant and convey the Property and that the Property I ynAHcl}mbered, except for encumbrances of record. Borrowerwarrants antl%it defend generally the title to the Property against all cieirlta gntl�garr(��ands, subpcl to any omumbromes of record. THIS SECURITY INSTRUMENT comblae un(79covenants for national use end nomuneormcovenants with limited variation by IudsdictiontoconstiwteaunllomnsecudtyInstmmedt,00, drn realproperty. UNIFORM COVENANTS. Borrower end tart er-covdrtant and agree as follows: 1. Psyment of Prkwlpal end lnteraetl Preps to Late Charges. Borrower shall promptlypaywhen due the principal of and Interest on the debt evidenced by the Note.�� / 2. Tares. The Mortgagor wit pay all taxes, asees5r�ente; s�war rents or watermtes prior to the Accrual of anypenAides or interest thereon. r: 1 The Mortgagorsholl pay or cause to be paid, as the semdfutSWdvely become due. (AI(I ) all taxes and governmental charges of any kind whatsoever which may at any Inns be lawfully assessed or, eyed against or with respect to the Property, (2) all utility and other charges, Including 'service charges', Incurred or Imposed for the relb (gym nuortance, use, Occupancy, upkeep and irryrovementof the Property, and (3) all assessments or other governmental charges-m6 may' awfully be paid in Installments over a period of years, The Mortgagorshall be obligated under the Mortgage to pay or cause to be pa�id o�99Duch Installments as are required to be paid during the term of the Mortgage, and shall, promptly after the payment of any of the lordgof d, too rd to Mortgagee evidence of such payment. 3, Application of Payments. Unlessapplkabte lave provides atfreNfse;payments received by Lender shall be applied; first, to Interest duo; and, to principal due; and last, to any late charges due urMer ft e�'W 1. Chang"; Liens. Borrower shall pay all taxes, assessments, charges as ndlmposiuons ahnbutebleto the Property. which may attain priority overthlsSecudtylnstmmenl, and leeaehoid payments orground rent Ilan. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph, antl all receipts evidencing la payments. Borrower shell promptly discharge any lien which has priority over this Secumy Iristrul I unless Borrower. (a) agrees in wrong to the payment or rim obligation secured by the Ilan in a manner acceptable to Lender, le) coelest{i good faith the lien by, or delands against enforcement of the lien in, legal proceedings which In the Lenders opinion operate mpreyenl(1re whinernentof the lien; or (c) secures from the holder of the lien an agreement salblactory to Lender Subordinating the lien to this Secbhry))natntment. it Lender determines that any part of the Property Ill subject to a lien, which may attain priority over the Security Intimi 1, LA der'mlygive Borroweranonceidentifying the lien. Borrower shall Satisfy the Ilan or lake one or more of the actions set forth above, lQd ys of the giving of nodM. B. Nautd or limpMty Insurance. Borrower shalt keep the Improvements now exlsFng a0a" alter erected on the Property Insured against lose by lire, hazards Included within the tonn'extended Coverage' and any other"ha4eNsy uding floods or hooding, lot which Lender requires Insurance. This Insurance shall be maintained In the amounts end for the pedoAthat Lender requires. The insurance carder providing the Insurance shall be chosen by Borrower subject to Lenders approval, whichShelf not be unreasonably withheld. If Borrower falls to maintain coverage described shove, Lender may, at Lenders option, obtmih06iM90 to protect Lenders rights In the Ptopertyln accordencewithparagrept 7. At all times that the Note is outstanding, the Matgagorshallmaintain insurance with respect to the Premises against such dales end for Such amounts an are customarily Insured agalnstend pay, as Ihesama become due endpayable, all premiums in respect thereto, Including, but not limited to, atl•dsk Insurance protecting the Interests of the Mortgagor and Mortgagee against logs or damage to the Premises by lire, lightning• and other casualties customarily Insured against (including boller explosion, it eppropdato), witha uniform standard extended coverage endorsement, Including debris temovai coverage. Such Insuranceal all times to be in an amount not fees than the lull replacement cost of the Premises, exclusive of footings and foundations. All Insurance policies and hardware, shall be acceptable to lender And shall include a standard mortgage Cause. Lender shall haw the right to hold the policies and renewals. If Lender requires, Borrower shell promptly give to Lander an fecelpls of paid premiums and renewal noucas. In the event of lose, Borrowersheit give prompt notice IC the insurance carrier and Lender. lancer naymake proof of loss It not made promptly by Borrower, Union Lender and Borrower otherwise agree In writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, If Me restoration or repair is economically feasible and Lenders security Is not lessened. If the restoration or repair is not economically feasible or Lenders secumy would be lessened, the insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any emu paid to Borrower. It Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carder has offered to settle a claim, then Lender maycollect the insurance proceeds. Lender mayuse the proceeds to repair or instant, the Propedyor to pay sums secured bylhls Security Instrument, whether or not than due. Tire 30- day period will begin when the notice Is trolled. Unless Lander and Borrower otherMso agree In writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments retorted to In paragraph 1 or change the amount of the payments, If under paragraph 21 the Property is acquired by Lender. Borrowers right to any Insurance policies and proceeds msuitlng from damage to the Properly prior to the acquisition shall pass to Lender to the extent of the sums Secured by this Security Instrument Immedlately Prior to the acquisition, ,:w,ad.wp roar o 0, occupancy, Pneervatlon, Maintenance and Protection of the Property; Bomoww'a Lan Application, Laseholds. Borrower shall occupy, establish, and use (he Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrowers principal residence for at least one year alter the dale of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destroy, damage or impair the Property, allows the Property to deteriorate, or commit waste on the Property. Borrower shall be in default it any forfeiture action or proceeding, whether civil or criminal, is begun that in Lenders gad faith judgment could result In forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security Inleresl. Borrower may cure such a default and reinstate, as provided in paragraph 18. by causing the action or proceeding to be dismissed with a ruling that, In Lenders good faith determination. precludes forfeiture of the Borrower's interest in the Property or other material Impairment of the Ilan created by this Security instrument or Lender's security Interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender for failed to provide Lender Win any malarial information) in connection with the loan evidenced by the Note. including, but not limited to. representations containing Borrowers occupancy of the Property as a principal residence. If this Security Instrument is on leasehold, Borrower shall comply Win all the provision of the lease. it Borrower acquires lee title to the Property, the leasehold and the lee title shall not merge unless Lender agrees to the merger in willing. 7. Prohibition at Lecderes Rights In the Property, Il Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there Is a legal proceeding that may significantly affect Lenders rights in the Property (such as a proceeding in bankruptcy, probate, lot condemnation or forbalure or to enforce laws or regulations), then Leader may do and payforwhmtever,s necessary to protect the value of the Property and Lenders rights In the Property. lender's actions may Include paying any sums secured byalien, which has pnomy over this Security Instrument, appearing in court, paying reasonable aaomeys' fees and entering on the Property to make repalre. Although Lender magtake action under this paragraph], Lender does not have to do so. Any amounts disbursed by lender under this paragraph 7 shalt becoineybdi ilional debt of Borrower secured bymni Security instrument. Unless Borrower and Lender agree to other terms of payment. these came,,shall bear Interest (ram the date of disbursement at the Note rate and shall be payable. with lnum i. upon notice from Lender toB(equesling payment. a. Mortgage the Is aa.� I Lender required mortgage insurance as a condition of making the loan secured by Ihis Security Instrument, Borower shell pe�the 0 emiums required to maintain the mortgage insurance in effect. If. for any reason, the mortgage insurance coverage required by Le eirlopses or ceases to be In effect. Borrower shall pay the premiums required to obtain coverage substantially equivalent (0 1he ngage Insurance previously in effect. at a cost substantially equivalent to the cost 10 Borrower of the mortgage Insurance previously Inell . Irdm an alternate mortgage Insurer approved by Lender. 11 substantially equivalent mortgage Insurance coverage is not available, ortower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage Insurance premium being paid by Borrower when pre Insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in flew of mVgggg 6surance. Loss reserve payments may no longer be required at the option of Lender. it mortgage Insurance coverage (In the amount nd for the period that Lender requires) provided by an insurer approved by Lender again becomes available and isoblalned. Borto shell paythe premiums required to maintain mortgage insurance in effect, or to provide a loss reserve unill the requirement for mortgage InsurcobtIds in accordance with any cannon agreement beMeen Borrower and Lender or applicable law. 0. Inspection. Lender or Its agent may Borrower notice at the time of or prior to an inspedlt 10. Condemnation. The proceeds of condemnation or other taking of any pan of the Prop Lender. In the event of a total taking of the Properly, or not then due, with any excess paid to Borrower. Property Immediately before the taking Is equal to of before the taking, unless Borrower and Lender other aeble entries upon and inspections of the Property. Lender shall give reasonable cause for the Inspection. r claim for damages, direct or consequential, In connection with any lyeyance In lieu of condemnation, are hereby assigned and shailbe paid to � fs� all be applied to the sums secured by this Security Instrument whether '61,p,pp�trial taking of the Property. in which the lair market value of the the� �Itilounl of the sums secured by this Security Instrument immediately yrtlting',t�na sums secu red by this Security Instrument shall be reduced by a):the io(a(amount of the sums secured immediately before the taking, �lo�e'Cne2etnpg. Any balance shall be paid to Borrower. In the event of a ropeflyim'rhpelalely before the taking is less than the amount of the sums Iherwise i gin wring or unless applicable law otherwise provides. the proceeds shall be applied to the Sums secured by this Security InslmmdnJ-ftnither or not the sums are then due. Unless Lender and Borrower otherwlse agree in waiting, any application of proceeds to pn ipBj 6a1� lot extend or postpone the due date of the monthly payments referred to In paragraphs 1 or change the amount of such paymen a., � ; It. Borrower Not Rahiaaad, Forbearance By L"dw Not a Wafvar, *, rider of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Leader (a Oy a;u asset in interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers successors in interest.%Lenife shaft not be required to commence proceedings against any successor In interest or refuse to extend time for payment or otherwise modify amoNzalion of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrowers succes�ssors .q. interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any hTI mgglnedy. 12. Buooeasors and Assigns Bound; Jointand Several Llsbilltyl CoSlgrlCiecoee mit" dagreemenis of this Security Instrument shall bind and anelif the successors and assigns of Lender and Borrower, subjec( Ipp1� Pr visions of paragraph 17. Borrowers covenants and agreements shell be joint and several. Any Borrower who co-signs this Security lhslm ill out does not execute the Note: let Is co-signing this St curly Instrument only to mortgage, grant and convey that Borrowers Inieresta Shp openly under the terms of this Security Instrument;(b) Is not personally obligated to pay the sums secured by this SecuritylnsWrrie held c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with IegaMto Ilfe liihna. f tpis Security Inshumentor the Note without that Borrowers consent. L 13. Lan Charges. lithe loan secured by this Securityinstrument Is subject to a law which setximu loan charges, and that law Is flnaliylnlerpreled so that the Interest or other loan charges collected or to be collected in connectRiA In 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 alreadycollecled from Borrower which exceededpenniged limits willbe 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. It a refund induces phmipal, the reduction will be (reeled as a partial prepayment without any prepayment charge under the Note. 10. Noticas. Any notice to Borrower provided for In this Security Instrument shall be given bydellvering ll or by mailing it by first class mall unless applicable law required use of another method. The nolke shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. ton. BoWming Law; Sawrabllky. Federal law and the law of the jurisdiction in which the Property is located shall govem this Security Instrument. 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 Secunity Instrument or the Note which can be given ellecl without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable, ion. Borrowers Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Tranah, of the Propartyors Beneficial lnterestin Borrower. [fall oranypart of the Properlyoranyinterest in ilissoldor transferred (or II a beneficial Interest in Borrower Is sold or transferred and Borrower is not a natural personi without Lender's prior whiten consent, Lender may, at its option, require Immediate payment In full of all sums secured by this Security Instrument. However, Lendershail not exercise this option If federal law as of the dale of this Security Instrument prohibits exercise. if Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less then 30 days from the date the notice is delivered or maned within which Borrower must pay all sums secured by this Security Inslmment If Borrower falls to pay these sums prior to the explralion of this period Lender may Invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 10. Borrower's Right to Reinstate. If Borrower meets certain conditions. Borrower shall have the fight to have enforcement of the Security Instrument discontinued at any time prior to the aedier of :(a) 5 days (or such other period as applicable law may specily lot reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a)Pays Lender allSums which then would be due under this Security Instrument and the Note as it no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expensed Incurred In enforcing this Security Insbumenl, including, but not limited to, reasonable attorneys lees: and (d) lakes such action as Lender may reasonably require to assure that the Ilan of this Security instrument, Lenders rights in the Propedyand Borrowers obligation to pay the some secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain (oily effective as It no acceleration had occurred However, this right to minstate shall not apply In the case of acceleration under paragraph 17, 10. Sala of Note; Change of Loan Sorriest. The Note or a partial Interest In the Note (together win this Security lnsnument)may be sold one or more limes without prior notice to Borrower. A sale may result in a change in the entity iknown as the 'Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. There also maybe one or more changes of the Loan Servicer unrelated to a sale of the Note. II there Is a change of the Loan Servicer, Borrower veil be given written notice o1 the change in accordance Will paragraph 14 and applicable law. The notice will state the name and address of the new Loan Serocer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances, Borrower shall not cause or permit the presence, use, disposal, storage. or release of any Hazardous Substances on Orin the Property. Borrower shall not do. nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. 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 he appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender whiten notice for any investigation, claim. demand, lawsuit or olheraclton by any governments] or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. Il Benewe' l ams,oris notified byanygovemmenlelar regulatory aulhonty,'net anyremowdorolher remedn"On of any Hazardous Substance alf�Sllnh Propery is necessary, Bortowershell promptly lake ail necessaryremedial actions In accordance with En"'mar en'ei Law. As used in sp@�egr@ph 20,'M@Eerdou9 Sub51antea'are those substances Oelined es lope or hazardous 5eb51arlte5 by Environmenlellawendlh 611pW substances: gasoline,kerosene, other flammable or toxic petroleum products, tope pesbadesand hemlcldea, volatile solvents, IngledalskQQnlalning asbestos or formaldehyde, and redioective malenals. As used in This Paragraph 20, 'Environmmlal Law' _sane I'dera.lewS�and laws of the lunstliclion where the Property IS located Iha' relate to health. Salary or environment@I pmletllon. 21. AcColonelbn; Remedl�at l.H`nIt shell give nonce to Borrower pno' to acceleration tollowing eortowers breach of any covenenl or agreement In this SaoJ'I Instmmenl (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shelf specify (a)Ihedefeull (b) the action required to cure the delauiC(0)adate, not less than 30 days from the date the notice Is given to Borrower, by wbic0lhe Me must be cured; and (d) that failure to cure the default on or before the dale specified_ the notice may result In acceleration of the sury§ secuted by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall further Inform do ewer of the right to reinstate after acceleration and the right to assert in the foreclosure preceding the norroxtalonce of a delaull or any ollief�sIS se of Borrower to acceleration and foreclosure. It the delaull is not cured on or before the dale apedlied In the notice, Lentler, et 11s %ppto may require immediate payment In full of all sums secured by this Security Instrument without further demand and may forecloefllhis Ssdtidty Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in Nis}i'arograph 21, including, but not limited to. reasonable attorneys roes and costs of the title evidence. \': 22. Release. Upon payment of all sums securedby%ths S\ecunty Instrument, Lender shall release this Security Instrument. without charge, to Borrower. Borrower shag pay any retardation 40!6. %. 23. Attorneys' Fees. As used In this Security InstlNnknl and�he Note,'abornays'tees'shall include any aaomeys' lees awarded agreements of this Security Instrument as If the Wallis) were a pan orl S%Unty, Instrument. (Check Applicable Box) u Adjustable Rate Rider u Rate Imprpverp6nCPitler u Condominium Rider u Graduated Payment Rider lJ "Family R, idth \':� u Second Home Rider El i n Balloon Rider u Biweekly paymend, Brief Planned Unit Development Rider El Othello)(specify SIGNING BELOW, Borrower accepts and agrees to the tens and covenants contained In'fh'is S}ecunry Instrument and in any nder(s) executed by Borrower and recorded with It. Signed, Sealed and deliverfid in the presence of: Witness Signature: Signature: I t`:' < - t �1 _ Borrower trei OO Wllness Print Name: --La) 1c n�S�,e(2rA Signature:_ Bottowm Wllness Signature: Witness PAnl Name: Address: 213 Celle Amistrrld. �� Imeakalee, Florida 3414Z STATE OF_Florda_ COUNTY OF ---Collier I hereby certify that on this day, before me, an officer duly authorized In the slate aforesaid and in the county aforesaid to take acknowledgements, personally appeared Ysi GONElALIZ to me known to be the person(s) described in end who executed the foregoing Instrument and acknowledged before me that HE/SHE/THEY executed the same for the purpose therein expressd. WITNESS my hand and official seal In I County and State aforesaid this August 10, 2002. My Commission Expires: Jt— NOIr_KLastt'e � :M rc-� Nolarys Printed Name (SEAL) K lAUREN f. BEARDYfOxnp551U��Q'�.. L,rE\p1Rls l�:r �a��tit'IIV""'1An.^J. 1. 3 .,,rted,Wp ReLgl 3063501 OR; 3133 PG; 1527 song o tIXANCIAL AOXIN A HOUSING DBPT RICORDID ih tda 0111CIAL RMORDS of COLLIER COUNTY, 1L 3050 N HORSISHOI DR 1275 10/1712002 it 03:21FX D4I6HT I, BROCA, CLIAR 9BLG BOOD,dO NAPLIS FL 34101 OSLI 15000,00 SECOND MORTGAGE W 111 DOC-JS 15,00 5;.50 THIS SECOND MORTGAGE ('Secudly Instmment') Is given on October 9, 2002. The Second Mortgagor Is: RAVL DIRE OR a ALICIA DIAB, HUSBAND A WIFE ('Borrower'). This Security lnsimmant is given to Collier County ('Lender), which is organized and existing under the laws of (he United States of America, and whose address is 3050 North Horseshoe Drive 0275, Naples, Florida 34104. Borrower owes Lender the sum of Fifteen Thouennd Dollare(U.S,S 15,000.0g).This,debI,s evidenced by Borrower's Note dotod the same date as This Secudly Instrument ('Secand Modgago'), which Provides form IV Paymons. MIA the full debt, it not quid earlier, due and payable on eale of Property, srefiaeaee, or lose of homseteed am"tion. This Secudly Instmment secures to Lender; in) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with Interest advanced under paragraph Ito proricl the secuntyol the Security Instrument; and (c) the performance of Borrowers covenants and agreements under this Security Instmnlont end the Note. For Into purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located to ro 11 i e i County, Florida. More ('Propedy Addtose): TOGETHER W ITH royalliea, mineral, oil and gat Instrument shah also cover a Collier Village Folloe27102903401 and convey the Property end that the Ptope,rFy generally the Bile to the Property against alj e} THIS SECURITY INSTRUMENT i'6r juriadlctlnn to constiluto a Initial sonty Inel UNIFORM COVENANTS. Borrower 1, Paymental principals nd Imes and Interest on the debt evidenced by Ilia of 2. Taxes, The Mortgagor will payall Ilraroon, The Mortgagor shall pay or cause to I low or homelier erected on the properly, and all easements, rights, appurtenances, rents, or rights and Stock and all fixtures now or hereafter a pad of the property. The Security IUltlons, Allolthafowgoingismienedlointhis Secudtylnstmmtnlaslhe'Property'. it Is lawfully seized of the estate herebyconveyed and has the right to mortgage, grant loncumbered, except for encumbrances of record. Borrower warrants and will defend and demands, subject t0 any encumbrances al tacord. ,d14111 Al covenants for national use and nOtrunilormcovenarits with limited variation by ihl o adngrealproparty. LTd t covenant And agree as follows: repayment and Late Charges. Borrower shell promptly pay when due the principal of l ;,Ban', slmI k. sewer rents orwaler Man priorio the eccmaiof anypenateet Wnhuresi any kind whatsoever which may at any limo be lawfully as Charges, Incli ding'savlco charges', Incurred or Imposed I Property. and (3) all desassmonte or other governmental Mortgagor shall be obligated under the Mortgage to pay at i of the MOM=8. and shell. oromolly after the Bement of , rely become due, (A)(1) all let against or Win respect to the Interest due; and, to principal duo; and lest, to any late charges due UnderifyerFiof�, 4, Chergoq Lions. Borrower shall Any all texas, assessments,cha as 11i1�s may again priority over Into Security Instrument, end lease hom payments orgrknwrgpd all notices of amou t$ lobe paid under INS paragraph, end all receipts ovidencno In p Borrower Shall promptly discharge any lien which has pnodtyover this S, at the payment of the obligation secured by the Ilse Ina manner acceptable to Londe,; b�)cc� enforcement of the lien in, legal procaedinos which in the lender's opinion operate t6i l the holder of the Ilan en egreament sallsleelory to Lender subordinating the lien to this S pad of the Property Is subject to a lien, which mayehmn pdorgyovar the SecudlyInstrumc the lien. Borrower shall satisfy file lien of take one or Moro of the actions sat forth ebov S. Hazard or Property Insurance, Borrower shall keep the improvements r Insured against loss by lire, hazards Included within the lerm'extended coverage' and a which Lender requires Insurance. This Insurance shall be maintained In the amounts Insurance carder providing the Insurance shell be chosen by Sonower subject to Len withheld. It Borrower falls to maintain coverage described above, Lender may, M Lentler Inlho Propenylnaccordancawlthparegraph7. Al all times that me Note is outstanding,] (o the Premises against such Asks and lot such amounts as are cuatomadlyinsumd again all pronaurm in respect thereto, Including, but not limited to, all -flak Insurance protector ngoinsl lass or damage to the Premises by Ore, lightning, and other casualhes customs appropriate), with a uniform standard extended cnvarage endomamen6 indutlingdelxls n In an amount not lase than the full replacement cost of the Plemisea, exclusive of foo4n All ]neutrinos policies and renewals shall be nceeli able to Lender and shall inelu the right to hold the policies and renewals. It Lender requires, Borrower shell promptly renewer notices. In the event of loss, Borrower shall give prompt notice to the Insurance c It not made DrompfN by Borrower. of years, the umq the term applied, first, to and Impositions atmbulabie to the Property, vNuch �It any. BOH0Werahall prompttyluroish to Lender nod (aith the lien by, or defends against )moment aline lien: Or (a) secures from vment. It Lender det90Nnes that any maygivo Borrower a notice iden dyng 0 0l the giving of notice. (,,0 homalfer BreCl00 on the Property, i s, Including [foods or flooding, for A If a that Lender requires. The yaLlvh ashell not lie unreasonably I the Mortgagor and Mortgagee at (Including boiler explosion, it Such insurencei elan amen to be standard mortgage down. leader shall have to Lender all W.etpls of pail premiums and r aid Lender. Lends may main proof of ins Unless Lender and Sonowerrclhemise agree In writing, Insurance proceeds shall beapplledto restoration cr retina al the Property damaged, It the restoration or repair Is economically feasible and Lender's secudry is not lessened. It the resforeeor or repair is not economically feasible or Lendoea Security would be lessened, the Insurance proceeds shall be applied to the suns secured by the Security Instrument, whether or not Ilion due, Will any excess paid to Borrower, It Borrower abandons the Property, or does not answarlvifun 30 days a notice from Lender that the Insurance carder has offered (a settle a claim, then Lander maycollecl the insurance proceeds. Lender may use the proceeds to repair or restore Iho Property or to pay sums secured by INS Security Instrument. whether or not it duo. The 30P day padod will begin when the notice is Matlod. Unless Lender and Borrower otherwise agree In writing, anyappigadon of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Property Is acquired by Lender, Borrow'ors right to anylnsulanca policies and proceeds nesulhng from damage to the Propellypdor to the acquisition shell pass to Lender to the oxlenlol the sums secured bythis Security Instrument Immediately prior to the acquisition. 0, OCeupanoy, Pr0491aatlon, Matntdnenae and Prateation of the Property; Borrower's Loan Applicotlom Lea taholds. Borrovrerehah occupy, establish, and use the Propatyas Borrower's pdncipai residence within salt days alter the executicnof this Security Inalrumanl and shall continue to Occupy the Property as Borrowers principal residence for at least one year alter the dale of Occupancy, unless f.enda otherwise agrees In writing, which consent si1011 not be unreasonably withhold, or unless extenuating dmumslances exist which are beyond Borrowers control. Borrower shall not destroy, damage or impatr the Property, allows the Properly to deteriorate, or commit waste on the Property. Borrower shall be In default It any lodellure action or proceeding, whether civil or criminal. is begun that in Lender's good faW1)udgment could result In lodelture of the Property or otherwise malodally Impair the hen created by this Security ,.wmd.wv r • OR; 3133 PG; 1528 instrument or lender's security Interest. Borrower may cure such a default and reinstate, as provided in paragraph 10. by causing the anion Or Proceeding to be dismissed Win a ruling that, in Lenders good With datemmnation, precludes forfeiture of the Bonos sincerest In the Property Or other material Impairment Ol The lien created by this Security Instrument or Landers security interest. BonOwer shall also be in default If Borrower, Outing the loan Application process, gave materially (also or inaccurate information or statements to leader (or failed to provide Lender with tiny malarial Information) In connection win the loan evidanced by the Note, Including, but not nnuled to. mpresenlabons concerning BerOwsea occupancy of The Properly as a principal residence. II this Security Instrument ison leasehold. Berrowershall cos with all The provision of the lease. II Borrower acquires lea lino to the Property, the leasehold and the fee title shall not merge unless Lentler egress to the merger in writing. 7, Protection of Londer'e Rights In the Property, II BOM)"r falls to perform the covenants And agreements nontened m this Security Instrument, or there is a legal proceeding that may significantly affect Lenders rights in Ilse Property (such as A proceeding in bankrupicy, probate, lot condemnation or lode W re or to enforce laws or regulations), then Lender maydo and pay lonvhalever is necessary to protect the value of the Property and Lender's rights In the Property. Lender's actions may Include paying any sums Slices by a lien. which has prlodlyovet this Security Instrument appearing in court, paying reasonable allomeys' lees and entering on the Property to make repairs. Although Lender may lake action under this pamgreph 7. Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become addlllonet debt of Borrower secured by this Secudty instrument. Unless Borrower and lender agree to other Terms of paymon6 these amounts shall bear Interest Isom the date of i istowsemom at the Note rate and shall be Payable, with interest, upon notice from Lender to Borrower requesting payment, e. Mortgage Ineummi IT Lender required mongage Insurance as a condition of making the loan secured by this Security Instrument, 80frOWer shall pay The premiums required to maintain the mortgage Insurance in other. II, for any reason, the mortgage Insurance coverage required by Lender lapses or ceases to be in elloet Borrower shall pay the premiums required to dt ain coverage substantially equivalent 10 The mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Bcrmwer of the mortgage Insurance previously in effect from an allamate mortgage Insurer approved by Lender. It substantially equivalent mortgage Insurance coverage IS not avodable, Borrower Shelf pay to Lender each month a sum equal to One-twatlih Of the vastly mortgage insurance premium being paid byWfr, It hen the Insurance coverage lapsed or ,eased to be In effect. Lender will accept. use and retain These peymenlB ea a lose reserVo 97le, oT(modgago Insurance. Loss reserve payments may no longer be required, at the option of lender. it mortgage Insurance coverabo wine mount and for the period that Lender requires) provided by an Insurer approved by lender Again becomes available and is obtaifiad. B Brower shall pay the premiums required to maintain mortgage Insurance, in e8ecl, or to imaride a loss ressis umil the mqulremenl.liji.mdAgego Insurance ends in accordance with any wngen agreement between eonowei and Lender or applicable law. . I 0. Inspection. Borrower notice M The time 10. Consomme condemnation or other taking of any pan of I Lender. In the event of a total Taking of the p or not than duo, wills Any excees paid to Bt PrOPOrty Immadlet0ly before the taking is nq bolero The taking, unless Borrower and Lend the amoum of Iho Proceeds multiplied by In divided by fb) the felt market value of the Fir Partial taking of the Property In which The lair secured Immediately for the 10king, unless 8 proceeds shall be applied To the sums Secs Borrower otherwise agree In "fine, any at payments retained to In paragraphs I orchr 1 L Borrower Not Released, For the liability of the original SAY successor In Interest set by reason of any den' ng any fight or remedy at. 12. BBcaealore and mt shall olnd and benefit s As and agreements shall I Ining this Security Instrun Instrument; (b) Is not pen MRSOnsble entries upon end Inspections of the Property. Lender shall give �Ilying reasonable cause lot the inspection. road of Claim (or damages, direct or consequential, in connection with any or conveyance In lieu elcondennelton, am hombsy assigned andshallbe paid IO se6ds shall be applied to the sums secured by this Securityinstument Winters! event of a pains) taking of the Property, in which the fair market value of the 'than The amount of the sums secured by this Security Instrument immediately he In writing, rho SUM secured by this SsKUdty InSwUnient She'1 be reduced by lion: (a) the total amount of the sums accused immediately Belem the taking. @lli the Taking, Any balance shall to paid to Borrower. In the event of o preperry lmmodiatelybOlore the Textile is less than the anecunt of mecums r efloth AMSOAgmuinwAtingorunlessapplicablelawotheiwinapromdes.the 'n laIn(Inem whether or not The sums are than due. Unless Lender and cards to PUT deal shall not extend or postpone the due dale of the monthly Id sua'pey�.tents. LeAdats'Not ■Whlver. Wenalon of the time lot payment or naudihcallon of grenladbyYohQqa�10 any successor In interest of Sotrowermail ien operate to iccessotdip;.nl4restt Lender shall not be required to mmmnnca nmcanq;m� The of this Security 17 Borrowers convey that B0rr6%vQe Mleresl In the Property under The terms of Ills secured bythls Saebdty inshei and (c) agrees that Lender and Any ;commodalionswith Mggrdlot )0 towns of this Sects Inst ,rem orthe i i to, wanunargins.dsotha tnnaloan secumdby lisishac es collected l5 subject loalaWITY11 his Is maximum loancharyes, and Thal law Is finally Interpreted so that the interest orother loan chsrgoscollecLariat la be coliecladln Cerjr(Otg Within eieanexceeS pemvikd share.Than:(at any Such loan charge shall be reduced byrem amount necessary to reduce lhecharysl0 ithd limit; antl,a anysums already collected troth Borrower which exceeded permitted limits wall be relunried to Borrower. Ll m�yd Moto makethisrefundby reducing trio principal owed under the Note or by making a direct payment to Borrower. Itorelundrbyucea 0 West, the reduction will be treated es a psnlal prepeynwnt without any prepayment charge under the Note, 14, Notice&. Any notice to Borrower provided for In this Security Instrument shall be given by delivering It or by mailing It by Brat class mailunless applicable law required use of Another method. The notice shall be directed to the Propgrty tltlre9 paragraph, s or any Other addrem so"", designees by notice to Lender. Any notice to Lender shall be given to Borrower or Lender n given as provided in this 15. Governing Lev); Saverablllly. Federal law and the law of the Jurisdiction in which the Property is tooated shall govern This Seeurliy Instrument. In the avant That any provision or clause of this Security Instmmenl or the Note conflicts with opphanble law, sash conflict shall not affect Olher provisions of This Security Inslmment or the Note winch can be given elf%twithout the conhictinu provision. To this and The provisions of IMs decudty Instmmenl and the Note am declared to be aawreble. 10. Borrowers Copy, Borrower shall be given one contents copy of the Note and of this Security Instrument.17, Transfer o1 the Property or a Beneficial Interest In Borrower, II ail or anypartof Ihu Property or any intemsl in it is solder trans Tarred (or If a beneficial interest in Borrower's sold or transferred and Borrower is not a natural poison) without Lender's pnur written consent. Lender may, at its option, require Immediate payment In lull of ell sums secured by this Security Instrument. However, Lender shall not exercise this option II ratio rat law as of the date of this Security Inshument prohibits exercise, it Lender exercised 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 dellveled do mailed within which Borrower must pay all sums Secured by this Security Instmmenl. 11 Borrower fails to pay these sums prior to the expiration of (his period, Lender may Invoke any remedies permitted by This SOCU41y Inslmmem wilhoul further notice or demand on Renewer. 10. Borrower's Right to Reinstate, 11 Borrower meals certain conditions, Borrower shall have the right to have 0n10mement of Ihis Security Inmrumonl dlsconllmmil at any "me prior to the eadier of: (a) S days (or such other period as applicable law may specify for islnmol0menq'store sale of "to Property pursuant to any power of solo contained in this Security Instrument; or (b) entryof a judgment enforoing this Secudty Instrument Thosacondiflons are that Borrower pays lender all sums which then would be" undlrthis Security Instmmenl and Ina Note 8s It no 0,001 ration had occulted: (b) cures and default of any other covenants or agreements: TO) pays all expenses Incurred In Unfolding This Security Instrument, Including, but not limited to, reasonable Anomays fees: and (d) lakes such action as Lender may roasonsbly tequila to Assure that the Ilan of this Security Inslmment Lenders dglits In the PrOpeityand Bonnets obligation to pay the lure$ secured by this Security Instrument shall continua unchanged, Upon reinstatement by 80MOWet this Security Instrument and the obligations secured hereby shell remain fully effective as it no acceleration had occuned. However, this right to reinstates shall not Opp" the case of acceleration under paragraph 17. ,.o-ied,vp � e YDm 0 OR; 3133 PG; 1529 10, Selo of Notel Change of Loan Bsrvlest. The Note or a partfel interoslin the Note (logelnenwU Ihts Security lnswmcmp may be sold one or more limes without prior notice to Borrower. A sale may result In a change In the entity (known as the 'Loan Ser icer') that collects monthly payments due under the Note and this Security Instrument. There also maybe one or more changes of the loan Servicer unrelated to a sale of the Note. It there Is a change of the Loan Servicer, Borrower Wit be given written notice of the change In accordance with paragraph 14 antl applicable low. The notice will slate the name and address of the new Loan SaMcer and the address to which payments should be made. The notice will also contain any other Information required by applicable law. 20. Hazardous Subetan0ss, Borrower shell not dae6e or pormlt the presence, use, disposal, storage, or release of any Hazardous Substances on of In the Property. Bonowef shell not do, nor allow anyone else to do. anything affecting the Property that is .a violation of any firwhoomenlat law. The preceding two sentences shell not apply to the presence, use. or storage on the Fhpemyol small quantifies of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shell promptly give Lender without notice lot any mvestigalion, claim, demand, lawsull er other action by any govIammental or regulatory agency or private pony Involving the Property and any Hazardous Substance or Environmental Law of which Borrower has wtual knowledge. II SOnaWer learns, Offs notilied by any governmental or regulatory authority, that any removal or other mmodiation of any Hazardous Substance affecting the Property is necessary. Bonower shall promptly take all necessary remedial actions in accordance wish Environmental Law. As used In this paragraph 20,'Hazardous Substances' are those substances defined as toxic at hazardous substances by Envronmentat Law end the following substances: gasoline,kerosene, other llammable or toxic petroleum Pei toiel pestkides and he lnkildes. wah'e solvents, nudinlals containing asbestos or formaldehyde, and radioactive matadals. As used in this paragraph 20.'Envoonm Ural Law' means federal laws and laws of the Jurisdiction where the Property Is located that relate to health, safety or onvironmemW protection. 21. Artoolerallom nemodles, Lender shall give notice to Borrower prior to acceleration following 8omOwEYa breach of ray covenant at agreement In IN Security Instrument (but not pdor to acceleration under paragraph 17 unless applicable law provides otherwise). The nohce,sn5 s clly: (a) file defaulk(b) the action required to cure the delaulb(c)adate. not less than 10 days hem tine date„ thenoticeisgiventit Bor(, ;,by(vhlch the defaull must be cured; and (d)that (allure to cure the default on or before the date speCliedin rho notice may result In e$g rglion' i In Sums secured by this Security Instrument, foreclosure by judicial procesdirq and sal¢ of the Properly. The notice shell fdrtl�4r�I'hl Bellowar of the right to reinstate alter accelandan and the right to assert in the forec.osum preceding the nomoxisternce oifltlefp for any other defense of Sonowor to acceleration and loviclosum. 11 the default is no: cured on or before the dale specified In Ill& noli e, Len(lDr. at Its option, may require Immediate payment In lull of all sums secured by this Secuny Instrumanlwlihour further damandandmmAAy,loreciosn this Banditry Instrument by Judicial proceeding. Lender shall be smiled to collect all expenses incurred Inpursuing there idles provided In this paragraph 21,Including, but not limited to, reasonact, adomeys lees andcoss of the title evidence 22. Asian so. Upon paymenlgl rhJ, n sacuredbythi charge, to Borrower. Borrower shell pay any re ordatlon costs. 13. Alternate -Fade, As used in lhl Securlytnsinmr by an appellate court 24.Riders to this Security instrumudt:(tone ,mot, inalrumon6 the covenants end agreements of each auah de?ghr agreements of this Securtty InslrumAm as If the ddEi(s)`wsre>a Adjustable Sato Rider n Graduated Payment Rider Balloon Rider Lendershail release this Secur ylnslmmenl. wlhoul the Note,'altorneys less' shall include anyaltomeys Ices awarded 5 ere executed by BOMWer and recorded together with this Secunq• ncorporated Into and shall amend and Supplement the covenants and this Securilytnslmmam. (Check Vpsceble Box) n Improvement Rider u Condominium Rider elnily Rider ❑ Second Honte Rider d l.' Clitoris) (specify SIGNING BELOW, Borrower accepts and agrees to the forms end'wio executed by Borrower and recorded will It. Signed, seated and delivered In the presence of: Witness signature: ? Slgf itness e WPrint Name: `N tt� Big, Witness Slgnlure: X I n Rider u Planned Unit Development Rider lamed In this Security Insrument and in any Adults) Witness Print Name: Address: 004 H6 e` ircla LmnwkB e Florida 34142 STATE OF —Florida_ COUNTY OF_Colller­ i hereby certify that on this day, before me, an officer duly auiholized in Zile state 9lofesaitl erid.f rh�county aforesaid to take acknowledgements,pemonallyapppared BABL 6 ALICiA DIAS to me known to be the person(s) dgpibed iri'ano who executed the foregoing Inalmmanf and acknowledged before me that HE/SH q THEY xecuted tho same farina purpose therein oxpressed. WITNESS my hand end oillclal slyIa��il In the Cauny and SlllAte alorasatd this October 9, 2002, My Commission Expires; Notary Publlc's SI nature (SEAL) Noldry's Primed Name -- e; 0, Mist Y Puente Cemmlrlodp S 1,97" Boom "As ra ABWk BwMea lb., la. <.wf¢d.wp INSTR 5578724 OR 5527 PG 407 RECORDED 6/28/2018 3:59 PM PAGES 2 CLERK OF THE CIRCUIT COURT AND COMPTROLLER, COLLIER COUNTY FLORIDA REC $18.50 �Vti ty R Prepared by: Wendy Klopf Collier County Community & Human Services Division 3339 E. Tamiami Trail, Building H, 82I 1 Naples, FL 34112 THIS SPACE FOR RECORDING RELEASE OF LIEN KNOW ALL ME!N gY HESE PRESENTS: That Collier County, whose post office address is 3299 E. Tamiami1,'N&ples, Florida 34112, the owner(s) and holder(s) of a certain Impact Fee Waiver Agreementsaex uted by Immokalee Habitat for Humanity, Inca to Collier County, having met the 15 year affordability housing obligation associated with the $65,112.31 of SHIP Impact Fee Waivers; pP hich is hereby acknowledged does remise, release, quitclaim, exonerate and discharge froiit.��}}' lien and operation of the said agreement, that certain portion of the premises conveyed by saidrlien; more particularly described as follows: Exhibit A The undersigned is authorized to and dt named properties, and consents to these said properties. This Release of Lien was approved by oz. ur,- C)LO 2018, Agenda Item I AT�'Ii'EST:.Y Y,. ,,r$��.�KINIZEL, . sk ppro190Aitlr 'logality: Pf�1 ssistant County Attorney X➢ release these Liens with respect to the above- g forever discharged of record with respect to ANDY of County Commissioners on *** OR 5527 PG 408 *** EXHIBIT A Various lots as listed below for, Collier Village, according to the plat thereof recorded in Plat Book 17, Pages 60-62, of the Public Records of Collier County, Florida. Resolution # BCC approvals date . CO date ,,, 15-year affordability end date Legal Description* Impact Fee (OR/Page) Impact Fee Amount 94-396 6/7/199 ! -'' 4/4 1995 4/7/2010 Lot 1, Collier Village 1956/1035 $3,929.52 94-390 6/7/199411.. 4l7 J-995 4/7/2010 Lot 4, Collier Village 1956/1000 $3,929.52 94-384 6/7/1994 ` -31f j10. 5 3/15/2010 Lot 5, Collier Village 1956/0993 $3,929.52 94-387 6/7/1994 9/7:1 9 4/7/2010 Lot 6, Collier Village 1956/0979 $3,929.52 94-388 6/7/1994 3/ 9/1995 3/29/2010 Lot 7, Collier Village 1956/0986 $3,929,52 94-397 6/7/1994 4/7/10,5�,, ' 4/7/2010 Lot 8, Collier Village 1956/1042 $3,929.52 94-395 6/7/1994 4/7/1995,, 4/7/2010 Lot 9, Collier Village 1956/1028 $3,929.52 93-459 6/7/1994 7/29/199 7/29/,2009 Lot 10, Collier Village 1956/1135 $3,929.52 93-458 6/7/1994 7/29/1994 ,7/2 .09 Lot 11, Collier Village 1957/0313 $3,929.52 93-456 6/7/1994 8/1/1994 811/ ;009 Lot 13, Collier Village 1956/1142 $3,929.52 93-460 6/7/1994 8/12/1994 SLI" %2 b;, Lot 33,Collier Village 1956/1121 $3,929.52 93-451 6/7/1994 9/29/1994 9%292009,`., Lot40,CoIIierViIIage 1956/1114 $3,929.52 93-452 6/7/1994 7/29/1994 7/29/ 00 f ,Lot 41, Collier Village 1956/1107 $3,929.52 6/7/1994 7/22/1994 7/22/20 42, Collier Village 1956/1100 $3,929.52 6/7/1994 7/22/1994 7/22/2004<, Lo ; Collier Village 1957/0278 $3,929.52 U454 6/7/1994 7/22/1994 7/22/2009 't', "oilierVilla e 1956/1058 $6,169.51 .,;)",":. Total $65,112.31 0 • • OBLD 15000.00 RIC fit HAD roax a Attn: 3045837 OR; 3110 PG; 1950 DgD•.)s s2,so HOUSING a URBAN INPROOININT HCORDID in the 0111CIAL RICORDS of COLLAR COUNT?, It INTIR 0111CI 09/13/2002 at 03:42M DNIONT 1, BROCR, CLIRR VIN: NINDT FLOP? BSCONI) MORTOAOS THIS SECOND MORTGAGE ('Security Instrument') is given on September 9, 2002. The Second Mortgagor is AL►IRE= JACKSON ('Borrower'). This Security Instrument is given to Collier County ('lender), which is organized and existing under the laws of the United Slates of America, and whose address is 3050 North Horseshoe Drive a275, Naples, Florida 34104. Borrower owes Lender the sum of Fifteen Thoue"d Dollala(U,S,S 15,0g0.00), This,debtis evidenced by Borrower's Note dated the same date as fhis Security instrument (`Second Mortgage'), which provides formonthypelments, whit the full debt, ll not paid earner, due and payable on u1a of Droparty. refinance, or loan of ho stand examDtion. This Security Instrument secures to Lender. (a) the repayment of the debt evidenced by the Note, wilh interest. and all renewals, extensions and modifications; (b) the payment or all othersums, with interest advanced under paragraph 7 to proleClthe securflyoi the Security instrument; and (c) the performance of Borrowers covenants and agreements under this Security lnshume at and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located in Coll ier County. Florida. More partleuladydesgribep a3: Lpt 17, Palm Ridge Subdivision, Unit 1, according to the plat thereof recorded In Plat Book 9, Pare, of the Pablo records ddll C611�e1'County, Florida. FOIloN86120811SOD2 and which he6jbadpress of ('Property Atldross'): j. :" �` 2 Palm Ridge TOGETHER WITH all limlimprovements now or hereafter erected onthe property, and all easements, rights, appurtenances, rents, royalties, mineral, oil and gas rights and profits, water rights and stock and all fixtures nowor homelier a pan of the property• The Security Instrument shell also cover all raplaceitigpts,-andadditions. All of the foregoing is referred to In this Security instrument as the 'Property. BORROWER COVENANTS that S9qeowrer is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is une0cumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against adfclaims nd emend$,subject to any encumbrances of record. THIS SECURITY INSTRUMENTcomib restm arm covenants lot national use and nomurnormcovenantsxilhlimited variation by jurisdiction to constitute a uniform security instrument CDvdtLng real property. UNIFORM COVENANTS. Borrower an7Lender coyyenual and agree as follows: 1. Payment of Principal and Interest; Pra�ppyiy�; dLsta Charges, Borrower shall promphypaywhen due Me principal of and Interest on the debt evidenced byiho Nole. at „� 2, Texss, The Mortgagorwlll payail taxes. as5�rdant . sewer rents or water rates peorto the accrual of anypenatties or interest thereon ant' sewer The Mortgagor shall payer cause to be paid, as theoiame ndbdunively become due, (A)(1) all taxes and govemmened chargesol any kind whatsoever which may at any time be lawfully assespe�,041QQd against or with respect to the Property, (2) all utllity and other charges, Including 'service charges', Incurred or Imposed brIM1soperbilpd countenance,use,occupancy, upkeep andimprovemontol the Property, and (3) all assessments or other governmental charges nor Tryay.lawlully be paid in installments over a period of years, the Mortgagor shall be obligated under the Mortgage to payer ceasetoe= only such installments as are required to be paid during the term of the Mortgage, and shall, promptly allot the payment of any of the' tome rdng (ward to Mortgagee evidence of such payment. 3. Application of Payments. Unless applicable law provides ofryp 'sR; Il payments received byLendershall oe applied; first. to interest due; and. to principal due; and Iasi. to any tale charges due under{h NQIei 4. Charges; Llane. Bonier shall pay all taxes, assessments,E.1 ,g 511meg and impositions alldbutable to the Property, which may attain priority over this Security Instrument, and leasehold payments or grylmdrr in Many. Bonowerahallprompllyfumish to Lender all notices of amounts to be paid under this paragraph, end 911 recelpis evitlenbin lhe`p yrtrenls. Borrower shall promptly discharge any lien which has priority over this Sacun nsttumenluniess Bortower.(a)agmesinwsill the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good lafth the lien by, or defends against enforcement Mint lien in, legal proceedings which In the Landers opinion operate to prewyg�nFmeyynlomement of the lien; or(c) secures from the holder at the lien an agreement satisfactory to Lender subordinating the lien to this SZuniyjhslmment. If Lender determines that any pan of the Property is subject to alien, which may attain priority overthe Security lnstmnietif,en der���aygive Bortoxere notice kientlyfng the flan. Bonowar shall satisfy the lien or lake one or more of the actions set forth above with �(O,agys of the giving of notice. a. Heard or Property Insurance. Borrower shall keep the improvements now a shnq r herealler elected on the Property Insured against loss by fire, hazards Included within the ten 'extended coverage' and any at tint including floods or flooding, lot which Lender requires Insurance. This Insurance shall be maintained In the amounts and for 1t 0 jrrrr! that Lender requires. The insurance carder providing the Insurance shall be chosen by Borrower sub)ect to Lenders optoo mio- k shell not be unreasonably withheld. If Borrower fells to maintain coverage described above, Lender may, at Lenders option, obtain covIs a toprowt Lendi rights to the Premises against such risks and for such amounts as are customarily Insured against and pay, as the same becoineON and payable, all premiums In respect thereto, Including, but not limited to, alli Insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premises by Ike, lightning, and other casualties customarily Insured against (including boiler explosion, If appropriate), with a uniform standard extended coverage endorsement, including debris removelcoverege. Such Insurance al all UmPs to be In an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations. All Insurance policies and renewals shall be acceptable to Lender and shall eWWde a standard mortgage clause. Lender shall have the right to hold the policies and renewals. II Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewalnotices. in the nventdlloss, Borrower shall give prompt notice to the Insurance cosier and tender. Lendermaymtekeprooloikm If not made promptly by Borrower. Unless Lender and Borrower otherwise agree In writing, Insurance proceeds shall be applied to restoration or repalrof the Property damaged, II the restoration or repair is economically feasible and Lender's security Is not lessened. If the restoration or repair is not economically feasible or Lenders security would be lessened, Ina Insurance proceeds shall be applied to the sums secured bythe Security Instrument, whether or not then due, with any excess paid to Borrower. it eonower abandons the Property, or does not ansvrerwithln 30 days a notice tram Lender that the Insurance carder has offered to settle a claim, then Lender maycollect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to paysums secured by this Security Instrument, whether or mignon due. The 30 day period will begin when the notice Is mailed. Unless Lender and Borrower otherwise agree In waling, any application of proceeds to principal shall not extend or postpone the due date at the monthly payments referred to in paragraph I or change the amount of the payments. If under paragraph 21 the Property Is acquired by lender, Borrowers dghlto any Insurance policies and proceeds resulting train damage lothe PropeM prior to the acquisition shell pass to lender to the external the sums securedbythls Secutirylnstrumen(imrrlelXalely prior to the acquisition, „+:,ed,wp OR: 3110 PG: 1951 FoaR 0 S. Occupancy, Preservation, Maintenance and Protscflon of the Property; Borrower's Lose Application, Leaseholds. Borrower shall occupy, estebilsh, and use the Property as Borrowers principal residence within sixty days after the execution at this Security Instmment and shall continue to occupy the Property as Borrowers 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 Borrowers control. Borrower shall not destroy, damage or Impair the Property, allows the Property to deteriorate, or commit waste on the Property. Borrowor shall be In default It any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good lallh judgment could result in forfeiture of the Property or othervse materially impair the lien created by this Security Instrument or Lenders security Interest. Borrower may cure such a default and reinstate, as provided In paragraph 18. bycausingthe action or proceeding to be dismissed with a ruling that, In Lenders good faith determination, precludes foriellure of the Borrowers Interest mine Property or other material impairment of the lien created by this Security Instrument or Lenders security Interest. Borrowershattalsobem default if Borrower, during the loan application process, gave immorally raise or Inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrowers occupancy of the Property as a principal residence. If this Security Instrument Is on leasehold, Borrower shall Got" with all the provision of the lease. If Borrower acquires fee title to the Properly, the lessened and the fee title shall not merge unless Lander agrees to the merger In writing. 7. Protection of Lender's Rights In the Property. It Borrower fails to perform the covenants and agreements contained in this Security Instrument. or there Is a legal proceeding that may significantly affect Lenders rights in the Property (such as a proceeding In bankruptcy, probate, lot condemnation or forfeiture or to enforce laws or regulations), then lender may do and pay far whatever is necessary to protect the value of the Property and Lenders lights In the Property. Lenders actions may Include paying any sums secured byalien, napalm. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become dditlonat debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment. these rime Is shall bear Into real from the dale of disbursement at the Note tale and shall be payable, wait interest, upon notice from Lender to'Bpf6 r questing payment. 8, Mortgage I(tsitr, �nos:,ll Lander required mortgage Insurance as a condition of making the loan secured by this Security Instrument, Borrower an IItIp IIli pjemlums required to maintain the mortgage insurance in effect. It. for any reason, the mortgage Insurance coverage faqulreq 6y LenQof, lapses or ceases to be In effect. Borrower shall pay the premiums required to obtain coverage substantially equivalent to the [ orlgago'Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage Insurance previously in elle5li liyym an alternate mortgage Insurer approved by Lender. II substantially equivalent mortgage Insurance coverage Is not available„B6noJrer shall pay to Lender each month a sum equal to one -twelfth at the yearly mortgage Insurance premium being paid by Borrower When the Insurance coverage lapsed or ceased to be in Sited. Lender will accept, use and retain these payments as a loss reserve in lieu of mongegggggge jy�surance. Loss reserve payments may no longer be required, at the option at Lender, if mortgage Insurance coverage (in the Since d for the period that Lender requires) provided by an Insurer approved by lender again becomes available antl is oblalned. 8orrolJet hall pay the premiums required to maintain mortgage Insurance in affect, orto provide a loss qulremenl reserve, until the refor mongege 'surance-ends in accordance with any written agreement between Borrower and Lender or applicable law. �- 'I g. Inspection. Lender or its agent cry mids,reasonable entries upon and Inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspacfferisp dying reasonable cause for the inspection. 10. Condemnation. The proceeds of agy.dwary or claim for damages. direct or consequential, in connection with any condemnation or other taking of any pan of the Property brior c6eyence in lieu of condemnation, are herebyassigned and shall be paid to Lender. In the event of a total taking of the Property, lhi rft ip�d5 hell be applied to the sums secured bythls Security lnslrumem, whether or not then due, with any excess paid to Borrower. In try . t e: d partial taking of the Property, in which the fair market value of the Property immediately before the taking is equal to or greater )hk heh count of the sums secured by this Security Instrument Immediately bolero the taking, unless Borrowerand Lender otherwise sgrA invertJr 111y the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following Irecliorii fe1'Ihe90jal amount of the sums secured Immediately before the taking, divided by (b) the lair market value of the Property immadialelyheloreJJhh4laking. Any balance shall be paid to Borrower. In tits event of a partial taking of the Property In which the fair market value of lie Pryff Ziptrnedistely before the taking is less than the omounlof thesums secured Immediately for the taking, unless Borrower and Lender othamvfse)g48 In writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument w� tber or not the sums are then due. Unless Lender and Borrower otherwise agree In writing, any application of proceeds to pnri�Ip6�'rihri knot extend or postpone the due date of the monthly payments referred to in paragraphs I or change the amount of such payments; 1 11. Borrower Not Released, Forbearance By Lender Not a Wit : EXl@@nsion of the time for payment or modifiation of amortization of the sums secured by this Securityinstrument granted by Lender , eppytessor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers successors In lnteresl;Lender hail not be required to commence proceedings against any successor In interest or refuse to extend time for payment or otherwise rnodiry lmorgzalion of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrowers successors In Interest. Any forbearance by Lender In exercising any fight or remedy shall not be a waiver of or preclude the exercise of any,it orr,repredy. 12. Successors and Assigns Bound; Joint and SewrotLMblltty; COS [[fieettOevenents and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subjajt6I Pm visions of paragraph 17. Borrowers covenants and agreements shall be joint and several. Any Borrower who co-signs this Security l sit I but does not execute the Note; (a) Is co-signing this Security Instrument only to mortgage, grant and convey that Borrowers trite st I e,ptoperty under the terms of this Security Instrument:(b) Is not personally obligated to pay the sums secured bythls Secudtyinilium hL prid Sc) agrees that Lender and any other Borrower may agree to extend, modify, forbearer make any accommodations with regard 1o1hs1emuyi his SeCUdtylnsW menlorlh0 Note without that Borrowers consent. ./ `( 13. Loan Chergas. Il the loan secured by this Security Instrument is subject to a lawwhich sots inatdmym loancharges, and that [awls finally Interpreted so that the interest or other loan charges collected or to be collected in connedrori a rhftfban exceed the permitted limits, then; (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the Pennkted limit; and (b) anysurrs already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender maychoose 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 under the Note. 14, Notices. Any notice to Borrower provided for In this Security Instrument shall be given by delivering it or by mailing It by first class mall unless applicable law required use of another method. The notice shall be directed to the Property Address or anyoMer address Borrower dosignalos by notice to Lentler. Any notice to Lander shall be given to Borowar of Lender when given as provided in this paragraph. 16. Governing Lew; Savereblllty, Federal law and the law of the jurisdiction In which the Property Is leaned shall govem this Security Instrument. 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 IhIs Socurily Instrument orthe Note which can be given effect without th lcongieNng provision, To this and the provisions of this Security Instrument and the Note are declared to be severable. 10. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security InsWment. tT. Transfer of the Property or a Bensflolal interest In Borrower. If all or anypan of the Property or anyinteresl in it is sold or transferred (or II a benaliclat Interest In Borrower Is sold or transferred and Borrower Is not a natural porn') without Lenders prior written consent, Lender may, at Its option, require Immediate payment In full of all sums secured by this Beautify Instrument. However. Lender shall not exercise this option If federal law as of the date of this Security Instrument prohibits exercise. If Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days train the date the notice Is delivered or mailed within which Borrower must pay all sums secured by this Beautify 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 turner notice or demand on Borrower. ,,,,ed. wp C, rose o • *** OR; 3110 PG; 1952 18. Borrower's Right o Reinstate, If Borrower meals certain conditions, Bonower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of : (at 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Secury Instrument; or fill entry of a judgment enforcing this Security Instrument. Those conditions are that Bomneer.(a) pays Lender all sums which then would be due under this Security Instrument and the Note as It no acceleration had occurred; (b) cures and 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; and (d) lakes such action as Lender may reasonably require to assure that the lien of this Security instrument, Lenders fights In the Properly and Bonowers obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the 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 paragraph 17. 19. Select Note; Change of Loan Servicer, The Note Ora panlal Interest in the Note (together with this Securityinstrumenp may be sold one or more limes without prior notice to Borrower. A sale may result in a change in the entity (known as the 'Loan Servicer') that collects monthly payments due under the Note and this Security Instrument There also maybe one or more changes of the Loan Servicer unrelated to a sale of the Note. II there Is a change of the Loan Servicer. Borrower will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice well stale the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law, 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or i99 the Property. 8orower shall not do, nor allow anyone else to do, anything affecting the Property that in violation of any Environmenla{1aw. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of HazardoL I a that into generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly 91 e L er' lien notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private petty invo ir(g the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrowerleams-o notilled by any governmental or regulatory aulho ly, that any removal or other remediatlon of any Hazardous Substance affecting the, P,loge(l is necessary, Borrower shall promptly lake all necessary remedial actions in accordance Win Environmental Law. As used in this paragraph 20.'Hazardous Substances" are those substances deleted as toxic or hazardous substances by Environmental Law and the following substances: gasoline: keno and. other flammable or toxic pelmleum products, told; pesticides and herbicides. volatile solvents, materials containing asbestosor:(d� Idehyde, and radioactive materials. As used In this paragraph 20,'Environmental Law' means federal laws and laws of the fudsdlplio where the Property Is located that relate to health, safety or environmental protection. 21. Acceleration; Remedies. L der shall��gqive notice to Borrower prior to acceleration following Borrowers breach of any covenant or agreement In this Security Inslrume�L'(buf) not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the dei9,u I; ( if action required to cure the default; (c) a date, not less than 30days tram the date the notice is given to Borrowm. by which the deleu slbs9� red;and (d) that failure to cure the default on or before the date specified in the notice may result In acceleration of the sums secured ppy;Is Security Instrument, foreclosure by judicial proceeding and sale of the Properly. The notice shall further inform Borrower ol�h'e%hl'1QQ reaslato after acceleration and the debt to Assert In the foreclosure preceding the nomaxislence of a default or any other dofdnsp al BL ewer to acceleration and foreclosure. if line default is not cured on or before the data specified In the notice, Lender, at its optioff'rr��ytZire immediate payment In full of all sums secured by this Security Instrument without further demand and may lonrcloso this Sac ritypsllpmenibyludmatmaceeding. Lender shall be entitled to collect all expenses Incurred in pursuing me remedies provided in this p ragra g ,Including. but not limited to. masonable attorneys fees and=is of the title evidence. ' 22, Release. Upon payment of all sums secured by this Se�cupry)nstrument, Lender shall release this Securiry Instrument, vnthout charge, to 8onower. Renewer shall pay any recordation costs - �` 23,Attorneys'Fees. As used in this Security Instrument an thalloi 'attorneys'fees"shall Include any attomeys'fees awardedby an appellate court. - - 24, Alders to this Security Instrument. lfoneormoreddersi exleO,by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such Odor shall be itledi-ld a4d shall amend and supplement the covenants and agreements of this Security Instrument as It the fideris) were a part of this Sku [in �slrur}mart. (Check Applicable Box) Adjustable Rate Rider n 1-1 Rate Improve (aenI Ridgy u Condominium From El I Graduated Payment Rider ❑ F4 Family Rider ' ' Second Home Rider n ri� Balloon Rider u Biweekly Payment Pider' t�-tJ Planned Unit Development Rider El Otner(s)(specify r SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in (hiss 5 nrydnstrumenl and In any dtler(s) executed by Borrower and recorded W Ih It. '\ Signed, sealed and delivered in the presence of: / / I J// 1 Witness Signature: Signature :CCi /L� r i, W Borrower ZAE6 dA SOL Witness Print Name: Signature: Borrower Witness Signature: (=.— _ Witness Print Name: LO.A.i; ram �,�, n),-ri Address: 802 Palm Ridge. Immokalee, Florida 34142 STATE OF - Florida -COUNTY OF- Collier- 1 hereby cor ily that on this day, before me, on officer duly outhodzed in the stale aforesaid and in the county aforesaid to take acknowledgements, personally appeared ALlZILLi ZACESON to me known to be the person(s) described in and who executed the foregoing Instrument and acknowledged before me that HE/ SHE/ THEY executed the same for the purpose therein expressed. WITNESS my hand and official seal In the County and Slate aforesaid this September 9, 2002, My Commission Expires; LAUR l.0 1 IWARD 11) 0P1111Mp Is"0 19$ rV9a11 In •Gill: (SEAL) HAD: Al t 11101 I1Gl1 AONIIIIIIAIIOHN i NOOSING 1050 H NOIIIIH01 ON 1215 3057268 011f IICOIDID 16 the 10/01/2002 at OR; 3125 PG; 1235 0121CIXL HICOIDI of COWIN COONt1, PL 12:1211101I0NI 1. 1101:1, CLIHN OILD 0141 15000.00 15000.00 roman o NAPLII 1L 14101 H e 111 DOC•.SS 15110 5230 SECOND MORTGAGE THIS SECOND MORTGAGE ('Security Instrument') is given on October 1, 2002. The Second Mortgagor is: rRANCISCA NUNt8, A sIN6Ai Psalm ('Borrower"). This Security Instrument is given to Collier County ('Lander'), which is organized and existing under the laws of the United Slates of America, and whose address is 3050 North Horseshoe Drive e275, Naples, Florida 34104. Bomowerowes Lenderthe sum of Fitteen Thousand Dollara(U.S.6 15, 000.00). This, debt is evidenced by Borrowers Note dated the same dale as this Security Instrument ('Second Mortgage'), whlcn provides for monwirpayments. Burin the full debt, if not paid earlier, due and payable on male of Property, refluanca, or loss of hCoo, stead exmmption, This Security Instrument secures to Lender: (a) the repayment of the debt ewidenCod by the Note, with interest, and all renewals, extensions and modllicallons; (b) the payment of all other sums, with interest advanced mderperagraph Ito protect to secudryof the Security Instrument, and (c) the partonnance of Borrowers covenants and agreements under this SeCumylnshurnBnl andthe Note. For this purpose. Borrower does hereby second mongago grant and Convey to Lender the following described property located In Collier County Florida. More particularly de§cdbed%!7� Lot 34, Block B, Seminole POIIoe73181760005 `, !�.F" and which has the address gf !/, ,* ('Property Address'): (18 N loth St. TOGETHER WITH all mineral, oil and gas a{ it shall also cover ell ri and convey the Property and trial the Frope Is MIS generally the Illle to the Property against el claims THIS SECURITY INSTRUMENT combbiBs jurisdiction to constitute a uniform security Instu eN UNIFORM COVENANTS. BorrowerendL 1. Payment of Principal and Interest; Pre and Interest on the debt evidenced by the Note. 2. Taxes. The Mortgagor will pay all taxes, 8ubdivlelon, Plat Book 1, Page 31, colder County Florida. reader erected on the property, and alleasemenls, rights, appuM1enances, rends, and $lock and all fixtures now or hereafter a pan of the property. The Secuny All of the foregoing is referred to In this Security Instrument as the'Property. lily seized of the estate hereby conveyed and has the right to mortgage, grant Bred, except for encumbrances of record. Borrower warrants and will defend ends, subject to any encumbrances of record, n covenants for national use and norrundormCovenants With limited vadaten by ng real property. '.clvenam one Agree as follows: Ind end Late Charges. Borrower shall promptly pay when due the PrIKIPel of thereon. "' 777-../ The Mortgagor shall pay at cause to be paid, as the Rama ie any kind whatsoever which may at any time be lawfully essddssed9r`leyl{ Charges. Including 'servoe charges', Incurred or imposed for the porald Property, and (3) all assessments or other governmental chat"",,Jhal i Mortgagor shall be obligated under the Mortgage to payorcause tifGeyyAt of the Mortgage, and shall, promptly after the payment of any of theiore( 3. Application of Payments. Unless applicable tow prow in c Interest due; and, to principal due; and last, to any late charges due undi 4. Charges; Uses. Borrower shall pay all tuxes, assessments, mayatain priority over this Security Instrument, and leasehold payments all nodose of amounts to be paid under this paragraph, and all mcelpts e manner Or Water raise prior to the BCCmal of any penalties oc Interest become due,(A)i 1) all taxes and govirmina al charges of halt or with respect to the Property. (2) all utility and other nenance, use, occupancy, upkeep And improvement of the Mully Da paid In Installments over a period of years, the the holder of the lien an agreement satisfactory to Lander subordinating the Ilan to this'Socumy pan of the Property is subject to a lion, which may Adele paoriyover the Security lnsburhgnh ei the Ilan. Borrower shall satisfy the Ilan or take one or mom of the actions set forth above Wiith}} 6. Hazard or Property Inaurmce. Borrower shall keep the Inprovements now, p'x Insured against loss by fire, hazards Included within the ton 'extended coverage' and any oyh which Lender requires Insurance. This Insurance shell be maintained In the amounts and I Insurance carder piovldlog the Insurance shall be chosen by Borrower subject to Lenders t withhold. It Borrower falls to maintaln coverage described above. Lender may, alLemfers optic In Iha PropertyIn aocordanca with paragraph 7. At all dress thalthe Note Is outstanding, the Mo to the Premises against such risk$ and for such amounts as are cuslometrilylnsured against am all premiums In respect Iherelo, Including, but not limited to, all-risk Insurance protecting the against lose or damage to the Premises by (Ire, lightning, and other casualties customarily im . oval coverage. Such and foundations. epphod: task, to callous atmbuleble to the Property, which Borrower shall prompttylumish to Larder falththellen mines Nat any IN ldentfying ter erected on the Property citing goods or flooding, for that Lender requires. The shall not be unreasonably aggee o protad Lendoes rights kt(aininsumrxx+wdllrespeci we become due and payable, All insurance policies and renewals shall be acceptable to lender and shell Include a standard mortgage done. Lander shall have the right to hold the policies and renewals. II Lander requires, Borrower shall pronlpty give to Lender all receipts of paid premiums end renewal notices. in the even) of loss, Borrower shall give prompt notice to the insurance carder and Lender. Lon or maymake prool of Ass It not male promptly by Borrower. Unless Lander and Borrower omerwiso agree In waling, Insurance proceeds shollbe applied to restoration urrepa rof the Property damaged, it the restoration or repair Is economically, feasible and Lenders security is not lessened. If the resloredon or repair Is not economically feasible or Lenders secuntywouo be lessened, the Insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower. II Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the Insurance carder has offered to settle a claim, than Lender mayaollect the Insurance proceeds. Lender may use the proceeds to repair or lesions the Propedyorlo paysume secured bythls Security Instmment, whether or not tlendra. The3P day period will begin when the notice Is mailed. Unless Lender and Borrower otherwise agree In writing, any application of proceeds to principal shell not Arend or postpone the due data of the monthly payments refenod to in paragraph t or change the amount of the payments. 11 under paragraph 21 the Propenyls acquired by Lender, Borrowers right to any insurance policies and proceeds reaching from damage to the Property prior to the acqulation shall pass to Lenderlo the exlenlol the Burns Secured bythts Security Instrument immediately prior to the acquisition. 6. Ooouponoy, Pressrvatlon, Maintenance and Protection of the Properly; Bortower'a Loan Application, Lear" oMe. Borrower shall occupy, establish, and use the Propor yas Borrowers principal residence within sixty days aflBrthe execution of this Security Instrument and shall continue to occupy the Properly as Borrowers principal resource for at least one year after the date of occupancy, unless Lander otherwise agrees In waling, which consent shall not be unreasonably withheld, or unless extenuating circumstances oral which ate beyond Borrower's control. Borrower shall not destroy, damage or Impair the Property, allows the Property to deteriorate, or commit waste on the Property. Borrower shall be In default It any lodolore Action or proceeding, whether chrl or criminal, Is begun that In OR; 3125 PG; 1236 FORM 0 Lenders good laim judgment could result In forfeiture of the Property or otherwise materially Impair the lien created by this Security Instrument or Lenders secudtymlerest. Borrower may cure such a default and nonstale. as provided in paragraph 18, bycausall the action or proceeding to be dismissed with a ruling that, in Lenders good (alth deteroination. precludes Welfare of the Borrowers inioresl in the Property or other material Impairment of the Ilan created by this Security Instrument or Lender's secunty Interest. Borrower shall also be In default 11 Romwer, during the loan application process, gave materially false or Inaccurate information Or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, represemalions concerning Borrowers Occupancy of the Property as a principal residence. If this Security Instrument is on leasehold, Borrower shall comply with all the provlslon of the lease, 11 Harrower acquires fee title to the Property, the I9asohold and the fee fille shall not merge unless Lender agrees to the merger In writing. 7, Protection of lender's Rights In the Property. It Borrower falls to perform the covenants and agreements contained in this Security Inslmment, or there Is a legal proceeding that may significantly alfect Lenders rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or lorteiture or to enforce laws or regulations), then Lender may do and pay lot whatever is necessary to protect the value of the Property and Lender's rights In the Property. Lenders actions may Include paying any sums secured by a lien, which has priority over this Security Instrument, appealing In court, paying reasonable attomeys' foes and entering on the Property to make Minnie. Although Lender may fake action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument, Unless Borrower and Lender agree to oher terms of payment, these amounts shall bear Interest from the date of disbursement at the Note tale and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 9. Mortgage Insurance, It Lender required mortgage Insurance as a condition of making the loan Secured by this Security Instrument, Borrower shell pay the premiums required to maintain the mortgage Insurance In effect. 11, for any reason, the mortgage Insurance coverage required by Londer lapses or ceases to be in ellect. Borrower shalt pay the premiums required to obtain coverage substantially equivalent to the J�ongage insurance previously In effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance firevibUsyy In effect, from an alternate mortgage Insurer approved by Lender. II substantially equivalent rtangage Insurance coverage isnytiavdlla e, Borrower shall pay to Lender each month a sum equal to one -twelfth of the vastly mortgage insurance premium being pad by 8 no., when the insurance coverage lapsed or ceased to be In elect. Lender will accept, use and retain these payments as a loss resew in 1Jjeea o,ongage Insurance. Loss reserve Payments may no longer be required, at the option of Lender, it mortgage Insurance coverage In the ount and for the period that Londer requires) provided by an insurer approved by Lender again becomes available and is obtained, it r shall pay in a premiums required to maintain mortgage Insurance In effect, orlo povido a loss reserve, until the requirement ror thong gInsurance ends In accordance Win any written agreement between Borrower and Lender or Applicable law. " 9. Inspection. Londer or Its agent may make reasonable entries upon and Inspections of the Property. Lender shall gee Borrower notice at the time of or prior loan In$ lion specifying reasonable cause tot the Inspection. 10, Condlmnsllon. The yroe d of any award or claim lot damages, direct or consequential, in connection Win any condemnation or otherlakingof any porno(the' roperty. or for conveyance In lieu at Condemnation, am hereby assigned and shall be pad to Lender. In the event of a total leking of the Poperty, the procoeds shall be applied to the sums secured by this Security Instrument. whether or not then due, vAlh any excess paid to Borrotrin l�e event of a partial taking of the Property, In which the lair Markel value of The Property Immediately before the taking Is equal to Or gg Iup et than the amount of the sums secured by this Security Insimmearn Immediately before the taking, unless Borrower and lender othaze A roe In venting, the sums secured by this Security InstruMem shall be reduced by the amount of the proceeds multiplied by the foliowitigd(8choh: (a) the total amount of the sums secured Immediately before the taking, divided by (b) the fair market value of the Property it , laey fore the taking. Any balance shall be paid to Borrower, in the event of partial taking of the Property In which the fair market veto �af lh P any Immediately before the taking is less than he amount oftbesum secured Immediately for the taking, unless Borrower and Leillbe otda se agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this SeyuddryrylVslr4manl whether or not the sums am then due. Unless Lender and Borrower otherwise agree In writing, any Application of procdods'1 .principal shall not extend Or Postpone the due date of he monthly payments referred to In paragraphs 1 or change the amount o(1 pg{ 11. Borrower Not Released, Forbearance By Lon$eyNgp amod7alion of the sums secured by this Security Instrument granto03y l release the liability of the original Borrower or Borrowers successomirl'i against any successor In Interest or refuse to extend time for payment or c Instrument by reason of any demand made by the original Borrower or I olonceing any right or mmedy shall not be a waiver of or preclude the o 12. Succee/o s and Assigns Bound; John and Several Lla' Instrument shall bind and benelit the successors and assigns of Lender a covenants and agreements shall be joint and several. Any Borrower who Is co,slgning this Security instrument only to mortgage, grant and cones Security Instrument; (b) is not pemonally obligated to pay the sums Seoul other Borrower may agree to extend. modify, forboaror make any eccomi Note without that Borrowers consent. 13. Loan Charges. It the loan secured by this Security lnstrun r. Extension of the time for payment or modification of any successor in Interest of Borruwershali nclopemle to Lender shall not be required to cOmrctom proceedings Modifyamom=ation of the sumssecuredbythis Security 'sauocessors In interest. Any forbearance by lender in (01 right or remady. . Thecovenamsendagmernentsoithls Security Nei.'subW to the Provisions of paragraph 17. Borrowers law Is finally interpreted so mat me interest or Amer loan charges cunwrou or w w w,menu 1 limits, then: (A) any such loan charge shall be reduced by the amount necessary to reduce ON already collected from Borrower which exceeded permitted limits will be refunded to Borrow I the Property under the terms o1 this 11; and (a) agrees that Lender and any mans of this Security Instrument or the Feis maximum ban charges, and that wilnthe Wnexco00lhe penrtated tine pertnfited lid; end (b) anysums drJnay choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. II a remrw,req, !yto 1pal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. %Nolbes. Any notice to Borrower provided for in this Secudtylnsbument shall be given by dock dn11 it or by mailing it by first class mall unless applicable law required use of another method. The notice shall be dbected to the Proppny'AW(M s or any omeraddress Borrower designates by notice to Lender. Any notice to Lander shall be given to Borrower or Lender when given as pmvided In this paragraph. 13. Governing Law; Bevereblllry. Federal law and the law of the Jurisdiction In which the Property is located shall govern this Security Instrument. In the event that any provision or clause of this Secudly Instrument or the Note conflicts with applicable law, such conflict shall not effect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To his end the provisions of this Security Instrument and the Note are declared to be severable. 13. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Secudly Inslrumenl. 17. Transfer of the Property or a Beneficial Interest In Borroi if all or any partof the Propertyor anyinlemst in it is sold or transferred (or If a beneficial Interest in Borrower is sold or Irani iermd and Borrower Is not a natural person) without Lenders prior written consent, Lender may, at Its option, require Immediate payment in lull of all sums secured by this Secuntylnshunienl, However, Londer shell not exercise this option It federal law as of the dale of this Security Instrument prohibits exercise. II Lender exercised 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 delivered As mailed within which Borrower must pay all sums secured by his Socudly Instrument. If BUrOwer IRils to pay hose sums prior to he expiration of this period, Lender may Invoke any remedies permitted by this Security Instrument without lumber news or demand on Borrower. 1S. Borrower's Righllo Relnstale, it Borrrower meets certain conditions. Borrower shall have the fight to haw enforcement of his Security Instrument discontinued at any lime prior to the earlier 01; (a) S days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained In this Security InslrumenL or (b) entry of a judgment enforcing this SacufilylneWmenl. Those conditions am that Borrower. (a) pays Lender all sums which than would bedue urdalhis Security Instrument and the Note as if no acceleration had occurred; (b) cures and default of any other covenants or agreements, (c) pays all expenses Incurred In enforcing this Security Instrument, including, but not limped to, reasonable allaney's fees; and (it) takossuch aciionas Landor may mesonablyrequire to assure that the Ilen of this Security Instrument, Lenders lights In the Propodyand Borrowers obligabon 10 pay the sums secured bylhls Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Secuotykadrumentard the obligations secured hereby shall remain fully effective as II no acceleration had occurred. However, this right to mInslalo shalt not apply In the case of acceleration under paragraph 17. ..rmad.wp *** OR; 3125 PG; 1237 *** to. Select Note; Change of Loan Servlcer. The Note Ora partial Interest In the Note (togetherwgh this Security Instrument) may be sold one or more limes without prior notice to Borrower. A sale may result in a change in the entity (known as the"Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. Thera also may be one or more changes of the loan Servicer unrelated to a sale of the Note. It there Is a change of the Loan Servieer, Borrower will be given written rwike of the change In accordance with paragraph 14 and applicable law. The notice Will state the name and address of the now Loan Servicar and the address to which payments should be made. The notice will also contain any other Infortnellon required by applicable low. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or In the Property. Borrower shall not do, not allow anyone also to do, anything affecting the Property that is In violation of any Environmental Lew. The preceding two sentences shall not apply to the presence, use, or storage on the Pmpodyof small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender wri0en notice for any Investigation, claim, demand, lawsult or other action by any governmental or regulatory agency or private parry Involving the Property and any Hazardous Substance or Environmental Law of which Bomemir has actual knowledge. If Sonower leams, or Is nettled by any governmental or regulatory authority, that any removal or otter rornedlaaon of any Hazardous Substance allecting the Property Is necessary, Borrower shall promptly lake all necessary remedial actions in accordance with Envlronmental Law. As used in this paragraph 20,'Hazardous Substances' are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline,kerosene, other flammable or toxic pelmileum products, Iolacpestisides and harblcides, volatile solvents, materials containing asbestos or formaldehyde. and radioactive materials. As used in this paragraph 2o, 'Environmental LaW means federal lam and laws of the jurisdiction where the Property IS located that relate to health, safety or environmental protection. 21, Acceleratlon; Remedios, Lender shall give notice to Bonower prior to acceleration following Borro vies breach of any covenant or agreement In this Security Instrument (but not prior to acceleration under paragraph V union applicable law provides otherwise). The notice shalisqecifg (a) The defoulll (b) the action required to Cure the default; (c) a date, not less than 30days from the date the notice is given to 8ottyyw�f, bywhich the default must be cured and (d) that failure to cure the defaulton or before the dole Specified In the notice may result fn'abC Igra9on of the sums Secured by this Seci my Instrument, (oreclosure by judicial proceeding and sale of the Property. The notice shp¢.I nine( Inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure preceding the nomexisleocq To dot ull or any other defense of Borrower to acceleration and foreclosure. if the default is not cured on or before the date Spec llled In the no)I ,tender, at its option, may require Immediate payment In lull of all sums secured by this Security Instrument without funner demand and may formless this Security Instrument by Judicial proceeding. Lender shall be entitled to Collect all expenses Incurred In pursuing the 7ediaaprovided In this paragraph 21, including, but not limited to, reasonable anomeys fees and Costs at the Mlle evidence. ./ 22, Release, Upon payment at all sums secured by this Security Instrument, Lender shall release this Security lnSWmant.without charge, to Borrower. Borrower shall pay.anyrp#,nation costs. 23. ARornays'Feae. Asusedi111hi Security Instrument and the Note,'enomeys'lees' shall include any agomeyd fees awarded by an appellate court. -/ 24. Riders to this Security Inorummnt. fi mp or more rusts am executed by Borrower and recorded together With this Security Instrument, the covenants and agreements of daei such7Mder shall be Incorporated Into and shall amend and suppleenllhe covenants and agreements of this Security Instrument as if Ihs rldAs(s) were a pan of this Security Instrument. (Check Applicable Box) , ❑ Adjustable Rate Ridat Rate Improvement Rider ❑ Condominium MOST Graduated Payment Rider `'� �.Q.- 1j4. Famlly Rider ❑ Second Home Rider ❑ ✓ Balloon Rider �� BiweAly Payment Rider ❑ Planned Unil Oewtlopmenl Rider ❑ Gmer(s) (spoclfy � SIGNING BELOW, Borrower accepts and agrees to the terms qT executed by Borrower and recorded with It. Signed, sealed and tleliver it in the presence of: Witness Slgmdure. ,, Witness Print Name: Witness Signature: Witness Print Name: contained In this Security Instrument and in any rider(s) Address: 6: STATE OF_Flodda_ COUNTY OF_Coliler^ 1 hereby certify that on this day, before me, an officer duty authorized In the state aforesa jd n)lrSme County aforesaid to take acknowledgements. personally appeared lRANC284A NUNEE to me known to be the pursoms) descrbed.In and who executed the foregoing Instrument and acknowledged bolero me that HE/rS;H THEY executed the same for the purpose therein expressed. WITNESS my hand and official seal In the County and . _Sttatee allomsald this October 1, 2002. My Commission Expires: �I ,� �,�(�W1 _ NolaryUL-1d-' p ti s— at SIWIA Qre i ,F.rl Noterys Printed Name (SEAL) SOvie F. Puente Comminloe1Cc97bp R[pB�aoee�d 1M Ahctk Booths 00. W wrid.wp 3057267 OR; 312•G; 1232 OIID I5000,00 11II: Att1: II10I .aura ADK1Udf1AfI011 i 11031 100111G DI tT 11COIDID in the 0111IC2Rt NCOW9 of COtti11 W01T1, !t 01111,1 111 10000100RIC 10.00 Hill 1110111111111011 DR 0275 1010012002 It 12:121K DIICIT 1, I1OCK, CLI11 me- ,OS SLID KAPtlO fL 14100 SECOND MORTGAGE THIS SECOND MORTGAGE('Security lnsuumenl') Is given on October 1,2002. The Second Mortgagor is: ■LSCORUR a CLIONCR PRARigLQi, A4aba" a snit* ('Borrower'). This Security Instrument is given to Collier County ('Lender), which is organized and existing under the laws of the United States of America, and whoseaddrees is 3050 North Horseshoe Drive e145. Naples, Florida 31104. Renewer owes Lender the sum of Fifteen Thousand Dollars(U.S.S 15,000,00). Thls'debte, evidenced by Borrowers Note dated the same date es this Security instrument ('Second Mortgage'), which provides for moninlypayments, with the full debt, It not paid earner, due and payable on sal of Dr perEy refinance or loan of haratud exemption. This Security instrument secures to Lender. (a) the repayment of the debt evidenced by the Note, wlh Interest, and all renewals, extensions and modifications: (b) the payment of all othersums, with Interest advanced under paragraph Ito protect he securllyot the Security ftnim ma d; and (c) the performance of Borrowers covenants and agreements under this Secunly, Inshutnenl and he Note. For this purpose. Borrower does hereby second mongage, grant and convey to Lender the lorawing described property located in Col l ier County Florida. More padiculanydesi COLLIER COUNTY, and which ('Property Address'l: TOGETHER WITH all royalties, mineral, oil and gas d1 Instrument shell also cover ail n and convey he Property and that generally the title to the Property r THIS SECURITY INSTF Iudadiction to constitute a Unitoml COLLIER VILLAGE, AS RECORDED IN PLAT BOOK 11, PAGES 6062 PUBLIC RECORDS, Borrower now or hereafter eected on the property, and all easements, rights. appudeMMOSS, rums. ter rights and stock and all fixtures nowor hereafter a pad of the property. The Security ddinons. All of he foregoing Is Micron to In this Security Instrument as the'Pmpedy or Is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant MM,VAberod, except lorencumbronces of record. Bonowerwarrants and We defend ,pndbemands, subject to any encumbrances of record. miynrm mvananm inn national use and nonuniform, flailed vadatlonby 1, Payment of Principal and mtemr, Hrit" and Interest on file debt evidenced by the Note. < Z, Taxes. The Modgagar will pay all taxes, as3ejsmer thereon. � The Mortgagor shall pay or osuse to be paid, as rho Or any kind whatsoever which may at any time be lawfully assesee charges, including 'Service charges', Incurred or imposed for the Property, and (3) all assessments or other 90vemmGInat Chan Mortgagor Shall be obligated under the Mortgage to pay or cause of the Mortgage, and shall, promptly after he payment of any of 3, Application of Payments. Unless applicable law p Interest due; and, to principal due; and Iasi to any Iota charges e. Charges: Lisris. Borrower shall pay all hues, rise may onaln pdonty over this Security Instrument, and leasehold p all notices of amounts to be paid under this paragraph, and all I 1 and agree as follows: Late Charges. Borrower shall pompty pay when due he principal of sewer rents or water rates pdorto the accord of any penalties or interest ems due, (Alit) all taxes and governmental Charges of or with respect to the Property, (2) all utility and other once, use, occupancy, upkeep and improvement of he Iv be cold In installments over a period of years, the Borrowershall ImL to Borrower Shall promptly discharge any lien which bus priority over this 5ecIl itylnslmmentunless Bonower: (a) agrees mwsmnglo the payment of (he obligation secured bythe Ilan In a manner acceptable to Lender; (b) contests In good faith the lien by, or deterMs Against enforcement of the lien In, legal procoedings which In the Lenders opinion operate to AM the d haIlan; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the Ilan to this $dcgpty Nstrumenl. It Lender determines that any pad or he Property Is subject to a lien, which may attain pdodtyowrlhe Secur bMahumegL.Lendet mayglve eorrovrer a notice Idenntying the lien. Borrower shall satiety the lien or take one or more of the actions set forth above with,0,d ys of tho giving of nadce. 5. Hound or Property insurance, Borrower shall keep the Improvements now gxisting f ereafter erected on the Property Insured against loss by fire, hazards Included within the lerm'extended coverage'and any other ZapStncludirg goods or flooding, for which Lender requires Insurance. This Insurance shall be maintained In the amounts and Ion, On �• that Lender requires. The Insurance carder providing the Insurance shall be chosen by Borrower subject to Lenders approval,+ ,k shall not be unreasonably withhold. ll Borrower falls to maintain coverage described above, Lender may, at Lenders option, obtainM to protect Lenders rights In the Property In accordance with paragraph 7. Al all times that the Note is outstanding, he Mortgagor sliallmain In lnwrencowih respect to the Premises against such risks and for such amounts es are cusiomanlyinsured apelnst andPay,af sametleCar,Odre all payable, all premiums in respect thereto, Including, but not limited to, all-risk Insurance protecting the Interests of the Mongagor and Mortgagee against toes or damage to the Premises by lire, lightning, and other casualties customarily Insured against (including boiler explosion, if appropriate), wllh a uniform standard extended coverage endoreemenl. InclWing debn4 renavalceverege. Such Insurance ataII tJMOs lobe In on amount not less then the lull replacement cost of the Premises, exclusive of footings and foundations. All Insurance policies and renewals shall be ecceplable to Lender and shall include a standard mortgage clause. LenderShallbave the fight to hold the policies and renewals. It Lender requires, Borrower shall promptly give to Lender all receipts of pad Premiums and renewal notices. In the evenlof loss. Borrower shall giea prompt notice to the Insu nine carder and Lender. Londarnwy make proof of loss It not made promptly by Borrower. Unless Lender and Borrower otherwise agree In writing, Insurance proceeds shall be applied to restoration or repnlrOf 5ie Property damaged. It the restoration or repair Is economically feasible and Lenders secunly Is not lessened. 11 he restomfion or repair is not economically laasiblo or Landers socurity, would be lessened, the Insurance proceeds shall be applied to the sums secured by he Security Instrument, whether or not then due, with any excess Paid to Borrower. II Borrower abandons the Property. ordo d; riot answer within 30 days a notice from Lender that the Insurance carder has offered to sea19 a claim, then Lender may cWW the insurance proceeds. Lender may use the proceeds to repair or restore the Propellor to pAysums Secured bythls Security Instrument, whether or nrothen aua. The3D- day period will begin when the notice is malted. Unless Lender and Borrower otherwise agree In wnnng, any application of proceeds to pdnclpal shall not extend or postpone the due dale of he monthly payments relened to In paragaph I or change he amount of the payments. It under paragraph 21 the Property is acquired bylender, Borrowers right to anylnsuMAce Policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to he extent of he suns secured try this SecudtyInstrument Immediately prior to the acquisition. 5. occupancy, Prsasmatlon, Ms)ntenance, and Protection of"Prop"; Borrower's Loan Application, LeasNrolde. Borrower shall occupy, establish, and use the Properly as Borrowers principal residence within sixty days aflertlre execution of his security Instrument and shall continue to occupy the Property as Borrowers pribelpal residence for at least one year alter the date of Occupancy, unless Lender olhanwise agrees in willing, which consom shall not be unmasonabty withheld, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destroy, demage or Impair the Property, allows the Property to deteriorate, or commit waste on the Property. Borrower shall be to default It anylodedure action or proceeding, whether civil or criminal, is begun that In ..w,ed.pp OR; 3125 PG; 1233 roew o Landoll good faith judgment could result In forlehure of the Property or otherwise Amor ally Impair the lien created by this Security Inshument or Lender's security Interest. Borrower may cure such a default and ministers, as provided in paragraph 18, bycausklg the action or proceeding to be dismissed with a ruling that, In Lender's good lailh determination, precludes Iodellure of the BorOwer's Inhil In the Property or other material impairment of the lien created by this SecurityInstument or Lender's security interest. Borrower shall also be in default if Bonower, during the ban application process, gave materially false or Inaccurate information or statements to Lender for tailed to provide Lender with any material Information) In connectionwim the loan evidenced by the Note, including, but not ltmged to, mprose ntations concerning Borrower's occupancy of the Properly as a principal residence. II this Security Insbumeml ls on leasehold, Bor(owershall o0mply with all the provision 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 lu writing 7. Protection of Lender's Rights In the Property. If Borrower fails to perform the covenants and agreements contained in this Secumy Instrument, or there Is a legal proceeding that may significantly affect Lenders rights In the Property (such as a proceeding in bankruptcy, probate, for condemnation or lodailum or to enforce laws or regulations), than Lender my do and pay for whatever is necessary to protect the value of the Property and Lenders rights In the Property. Lender's actions may include paying any sums secured by lien, which has pdomy over this Security Instrument, appearing in court, paying reasonable altomeys' leas and entering on the Property to make repairs. Although Lender may lake action under this paragraph 7, Lender does not have to do so. Any amom a disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other (arms of payment, these amounts shall boar interest Irom the date of disbursement at the Note rare and shall be payable, will interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage insurance. If Lender required mortgage Insurance as a condition of making the ban secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage Insurance in effect. If, for any reason, the mortgage Insurance coverage required by Lender lapses or ceases to be in ehKL Bonower shall pay the premiums required to obtain coverage substantially equivalent to. the //nnortgage Insurance previously In ollecl at a cost substantially equivalent to the coil to Borrower of the mortgage Insurance Pro v(pds�y: affect, from an alternate mortgage Insurer approved by Lender. It substantially equivalent mortgage Insurance coverage is n6dff AvaiI¢b%, Borrower shall pay to Lender each month a sum equal to one -twelfth of the yeadymortgage insurance premium being paid by Borjo}S•or An the Insurance coverage lapsed or ceased to be In effect. lenderwal accept, use and retain these payments as a loss reserve In ' u of engage Insurance. loss reserve payments they no longer be required, at the option of Lender, it mortgage Insurance coverage imlh M on and for the period that Lender (equires) provided by an insurer approved by Lender again becomes available and is obtains pnq rshall pay the premiums required to maintain mortgage Insurance In ell orb povide a loss reserve, until the requirement for re rlpsl nsurance ends in accordance with any written agreement bimesen Borrower and Lender or applicable taw. g. Inspeoilon. Lender or Its agent n`�ay make reasonable entries upon and Inspections of the Properly. Lender shall give Borrower notice at the Ilme of or prior id en lespdclion spedying reasonable cause for the inspection. to. Contlamnelion. The prodee d of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any pen ofmicf(Propgrly, or for convoyance In heu of condemnation, ere hembyassigned and shall be paidto Lentler. In the event of a total taking of the Property.) IsIalloceed5 shall be applied to the sums secured by this Security Instrument, whether or not than due, Win ally excess paid to Bonower N t e event of a patriot taking of the Property. In which the lair market value of the Property immediately bolero the taking is equal to Lr Qgr� re1than the amount of the sums secured by this Security Insbument immediately before the faking, unless Borrower and Lender oltial 00ree,in writing,the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the blloninia,ct))'orf:.11a) the total amount of the sums secured Immediately before the taking, divided by lb) the lair marker value of the Property Immediately bbfom the taking. Any balance shall be paid to Renewer. In the event of a partial taking of the Property In which the fair market vat e9�dreprtpeny Immediately before the taking is lass than the emounl of the sums secured Immediately for the taking, unless Borrower and Eel ef otlie Sa agreeld writing or unless applicable law Otherwise Tina s,the proceeds shall be applied to the sums secured by this Sao 7ty:01111, ant wtrell or not the sums are then due. Unless Lender and Borrower otherwise agree in writing, any application of proce@di JJo'pd ipal shall not extend or postpone the due date of the monlhy payments referred to In paragraphs I or change the amount of'Vith is. is. Bonower Not Released, Forbearance By LerrdK6f`e WAlver. Extension of the time for payment or modification or amortization of the sums secured bythe Socuriylns(rumaA grant bypAejtdejto any sucdessorin interest of Borrower shall nor operate to release the liability of the original Borrower or Borrower's suaass0 nIilliires11Lender shall not be required to commence procoedings against any successor in interest or refuse to extend time for payment or oth SO fly amomzarion of the sums secured by this Security Instrument by reason of any demand made by the original Borrower orB wei'sbecoomm in Interest. Any forbearance by Lender in exercising any light or remedy shall not be a waiver of or preclude the el 0 rit/:eghi or remedy. 12, Successors and Assigns Bound; Joint and Several LlWiltly{,�io.4lpmn The covenants and agreements of this Security Instrument shall bind and benefit the Successors and east of Lon or and 80rtovv((aar, soadto the Provisions of paragraph 17. Bonowe's covenants and agreements shall be joint and several Any Bonowerwhocosign31hlsS dtyinstmmens butdoes notexecule, the Note; (a) is co-signing this Security Instrument only to mortgage, grant and convey Thal Boi1Mloes.Interest In the Property under the terms of this Security insimmenl(b) Is not personally obligated to pay thesumssecuredbythisSecurityrestru1nant; and agrees that Lender are any other Borrower may agree to extend, modify, , forbear or ake any accommodations with re'gamlgrlhe temu oI1hU Security I.nshumenlor the Note without that Borrower's consent.`....: 13. Loan Charges. ti the loan secured by this Security lnslmmen( is subject to al al 6ts maximum loancharges, and that law is llnallyinterpreled so that the Interest or other loan charges collected orto be collected In no I�, r!wmhlheloanexeecd Nopennated limits,than: (a) anysuch loan charge shall be reduced bylhe smoummicessary to ralitochAWgj eopemlaled lima; and (b) anysums already collected from Borrower which exceeded porml(led limits will be refunded to Borrower. Len�rfpay�¢hoose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower, If ll refund retluGeedd, pljncipal the reduction will be treated as a partial prepayment without any propeymenl charge under the Note. 14. Notices. Any notice to Borrower provided for In this Securityinstrument shall be given by fish adngaorbymallingilbylirs( class mall union applicable lawrequlred use of another method. The notice shall be direct etl to Ire Propeily Addressor any omeraddmss Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 1st men..GoveIn ee v; Saveralifilty. provision Federal law andcruse of this Securf theity jurisdy Instrction ument which the t Property is located shag govern this Security Instrument. alto In the ovens that any provision or clause of this Secumy which can be or the Note cithoutt with applicable law, such conflict shall not allecl other provisions of this Security Instrument or the Note witch can lea given ellecl without the mongkang provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. to. Bonower's Copy, Borrower shall be given one conformed copy of the Note and of this Security instrument. 17. Transfer of the Property or a Benallcld interest In Borrower, If all or any pan of the Property or any interest In It, is sob or transferred (or tl a beneficial Interest In Borrower Is sold or transferred and Bonower Is not a natural person) without Lender's pdor written consent, Lender may, at Its option, require Immediate payment In lull of all sums secured by this Security Instrument, However, Lerdersh ill not exercise this option it mr aral law as of the date of this Secumy InsWment prohl6its exercise. II Lendor exercised ibis option, Lender shall give Bonower notice of acceleration. The notice shall provide a period of not less than 30 days from the dale the notice is delivered or mailed within which Borrower must pay all sums secured by this Secumy Instrument. If Borrower falls 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. 18. Borrower's Flight to Reinstate. It, eonowormoets certain conditions, Borrovrarshall have the right to have enlorcemenlol this Security Instrument discontinued at anytime prior to the earlier of: (a) 5 days (or such other period as applicable law may spedly for reinstatement) before sale of the Property pursuant to any power of Salo contained In this Security instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower. (a) pays Lenderallsums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses Incurred In eniuming this Security Instrument, including, but not limited 10, reasonable eaomeys lees; and full lakes such Action As Lender may reasonably require to assure that the lien of Ihls Security Instrument, Lender's rights in the Property and Borrowers obligation to pay the sums secured by this Securty instrument shall continue unchanged Upon ronslammemby Borrower, this Security Instmmenl and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this fight to reinstate shall not so* In the case of acceleration under paragraph 17, .n,,ed.wp • Iom e *** OR; 3125 PG; 1234 *** 10. Sale of Note; Change of Loan Servitor, The Note or a partial Interest in the Note togelherwilh this SecunlylnsRImart)raay be Sold one or more times without pflor notice to Bonower. A Sale may result In a Change In the entity (known as the 'Loan Sery ter') that collects monthly payments due under the Note and this Security Instrument. There also maybe one or more changes of the Loon Servber unrelated to a sale of the Note. If there is a change of the Loan Servicer, Bortowar will be given whiten notice of the change in accordance with paragraph 14and applicable law. The notice will stale the name and address of the new Loan Servitor and the address to which payments should be made. The notice will also contain any other Intonation required by applicable law. 20, Hazardous Substances. Borrower shall not cause Or permit the presence, use, disposal, storage, or mmase of any Hazardous Substances on or In the Property. Bonowor shot]not do, nor allow anyone else to do, anything Starting the Property Mal is In violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small to be appropriate to nominal quantities Borower shall promptly Ces that are give Lender notice for any Investigation claim, demand, lawsuit a art uses and to maintenance of the other action by any governments] Property. P Y9 Y or actual ken knowledge, agency or private pads Involving the Property and any Hazardous Substance authority. ty Environmental Law of which Borrower' has actual knowletlge. If Borrower teams, or Is notified by any governmental or regulatory authority. that any removal or oMarremediabon of any Hazardous Substance affecting the Property Is necessary, Borrower shall promptly take all necessary remedial actions In accordance with Environmental Law. As used in this paragraph 20,'Hazan)ous Substances are those substances defined as toxic or hazardous substances 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 lonaldehyde, and radioactive malenals. As used In this paragraph 20, 'Environmental Law' means laderal laws and laws of the jurisdiction where the Property Is located that relate to health, safety or environmental protection. 21. Acceleration; errtedies. Lender shall give notice to Borrower prior to ameimation following Borrower's breach or any covenant or agreemeal ih/R�; Security Instrument (but not prior lu acceleration under paragraph 17 unless applicable law provides otherwise). The notice ailall s'P City; (a)the default; action required to cure the default;(c)adate, not lessthan 30 days from ire date the notice Is given to Borrov/e by*NCII the default must be cured; and (d) final failure to cure the default on or before Inada105pecilled in the notice may result In eccgle(e11on �I the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall ludher i mr Borrower of the fight to reinstate after acceleration and the right to assert in the foreclosure preceding the nomextslence ofa I suit arany other defense of Borrower to acceleration and loredosum. if the default is not cumd on or before the date speeded in the notice relmder, at Its option, may require immediate payment In full of all Sums secured by this Security Instrument without further demand a7d may foreclose this Security Instrument by)udicial proceeding. Lender shall he Shinned to collect all expenses Incurred in pumuing the remedies provided in this paragraph 21, Including, but not limited to, reasonable atiomeys fees nd costs of the title evidence. '. 1 22, Release. Upon payment of &fi sy s secured by this Secunty Instrument, Lender shall release this Security lnshumenl, without charge, to Borrower. Sorrowar shall pay en fecordapon costs. 23. Attorneys' Fees As used In this SK filylpstmment and the Note,'attomeys'fees'shall Include anyaaomeys'fees awarded by an appellate court, f 24. Riders to 'this Security Inetrumerlt,��It��orl� e) more riders are executed by Bonower and recorded together with this Security Instrument, the covenants and agreements of eaclZIa no,, shall be Incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as it the rider(i6mm4part of Ihis Security Instrument. (Check Applicable Box) Adjustable Rate Rider ' s Fagto Improvement Rider ❑ Condominium Rider Graduated Payment Rider 1/;//4 F fly Rider Second Home Rider ��r9lweekp";Peyment Rider Planned Unit Development Rider Balloon Rider ./ \, El Clitoris) topicalityC',\±� SIGNING BELOW, Borrower accepts and agrees to the terms and�wana0is ontamed In this Security Instrument and in any rider(s) executed by Bonower and recorded will it. x`y Signed, sealed and delivered In the presence at: (' Witness Signature: Signatu.m ! r , i I o Bono r ;G , Ut�A2tlsxl[N L' 11-�-A V Witness Pdnl Name: SBno orwerCWfONCi.. IeHARi IN Witness Signelum: T� rL&A,.. % ✓" \J VLAX� Witness Print Name: $IWIA R. t""tr Address: 615..kdpe-Circle, STATE OF_Flodda_ `^!' COUNTY OF ---- Collle(_ I hereby comfy that on this day, before me, an officer duly authorized In the stele atom Id end i(- he caunty oloresold to lake acknowledgements, personally appeared ■6 011110 R PSARISIRN ✓1 CLEONCE PNARISIEIwn to be the personls) described In and who executed the foregoing Instrument and acknowxetlged before me that HE/ S I THEY uted the same for the purpose therein expressed. WITNESS my hand and Official seal in the County and Sttatee aforesaid this October 1, 2002 My Commission Expires: — Noleryry�u C's S1 mlure Nolarys Printed Name (SEAL) Silvia P, Puente 00097i Squo Oat 1, 2001 e Mazda 9boamwMM Or, li ..,,ed.w INSTR 5578724 OR 5527 PG 407 RECORDED 6/28/2018 3:59 PM PAGES 2 CLERK OF THE CIRCUIT COURT AND COMPTROLLER, COLLIER COUNTY FLORIDA REC $18.50 Prepared by: Wendy Klopf Collier County Community & Human Services Division 3339 E. Tamiami Trail, Building H, #211 Naples, FL 34112 THIS SPACE FOR RECORDING RELEASE Or LIEN KNOW ALL MEN % Y, HESE PRESENTS: That Collier County, whose post office address is 3299 E. Tamiami ;",1Valples, Florida 34112, the owner(s) and holder(s) of a certain Impact Fee Waiver Agreements,e, uted by Immokalee Habitat for Humanity, Inc, to Collier County, having met the 15 year affordability housing obligation associated with the $65,112.31 of SHIP Impact Fee Waivers,,pf/ ✓hich is hereby acknowledged does remise, release, quitclaim, exonerate and discharge frorii. ��}}! lien and operation of the said agreement, that certain portion of the premises conveyed by saidien mare particularly described as follows: Exhibit A The undersigned is authorized to and &� named properties, and consents to these said properties. This Release of Lien was approved b; A)uYy-- �lp , 2018, Agenda Item OF a,, pprov�$����ttS 4 'legality: �rrvi��.Pept Assistant County Alto rney release these Liens with respect to the above- g forever discharged of record with respect to ANDY of County Commissioners on - *** OR 5527 PG 408 *** EXHIBIT A Various lots as listed below for, Collier Village, according to the plat thereof recorded in Plat Book 17, Pages 60-62, of the Public Records of Collier County, Florida. Resolution # BCC approval, date' : CO date 15-year affordability end date Legal Description* Impact Fee (OR/Page) ImpaPee ct Amct nt 94-396 6/7/19,9 '; -', 4/ 1995 4/7/2010 Lot 1, Collier Village 1956/1035 $3,929.52 94-390 6/7/1994+ 4/7 1 95 4/7/2010 Lot4, Collier Village 1956/1000 $3,929.52 94-384 6/7/1994 `>- j;19 5 3/15/2010 Lot 5, Collier Village 1956/0993 $3,929.52 94-387 6/7/1994 41, 1, 9 4/7/2010 Lot 6, Collier Village 1956/0979 1 $3,929.52 94-388 6/7/1994 3/ 9/1995 3/29/2010 Lot 7, Collier Village 1956/0986 $3,929.52 94-397 6/7/1994 4/7P1995 - ' 4/7/2010 Lot 8, Collier Village 1956/1042 $3,929.52 94-395 6/7/1994 4/7/1995.- 4/7/2010 Lot 9, Collier Village 1956/1028 $3,929.52 93-459 6/7/1994 7/29/199' <-" 7 9(2009 Lot 10, Collier Village 1956/1135 $3,929.52 93-458 6/7/1994 7/29/1994 '(7/29d2009 Lot 11, Collier Village 1957/0313 $3,929.52 93-456 6/7/1994 8/l/1994 -&/1/ 009 Lot 13, Collier Village 1956/1142 $3,929.52 93-460 6/7/1994 8/12/1994 8/11/-'Y, Lot 33,Collier Village 1956/1121 $3,929.52 93-451 6/7/1994 9(29/1994 9/29 009`,, Lot 40, Collier Village 1956/1114 $3,929.52 93-452 6/7/1994 7/29/1994 7/29/ 00 :: -,Lpt41, Collier Village 1956/1107 $3,929.52 93-453 6/7/1994 7/22/1994 7/22/26 42, Collier Village 1956/1100 $3,929,52 93-454 6/7/1994 7/22/1994 7/22/2000z LO.' Collier Village 1957/0278 $3,929.52 93-455 6/7/1994 7/22/1994 7/22/2009 t', ollierVilla e 1956/1058 $6,169.51 Total $65,112.31 0 1om 0 3040540 OR; 3103 PG, 1050 n= t.. ;5:5 �3$CONtf t2o[i1'ciBOS THIS SECOND MORTGAGE ('Security Instrument'( Is given on August 30, 2002. The Second Mortgagor is: SYLVIA ESTRADA, a single wnmeu ('Borrower'). This Security Instrument is given to Collier County ('Lentler), which is organized and existing under the laws of the United States of America, and whose address is 3050 North Horseshoe Drive 4275, Naples, Florida 34104, Borrower owes Lender the sum of Fifteen Thouasnd Dollara(U.S.S 15, 000. 00). This, debits evidenced by Borrowers Note dated the same date as this Secunty Instrument ('Second Mortgage'), which provides (or monthlypayments. with the lull debt. it not paid eadier. due and payable on sale of propartyo refinance, or lean of homestead exemption. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note. with interest, and all renewals, extensions and modifications. (b) the payment of all other sums. with interest advanced under paragraph 7loprooctlhe Secunty of the Security Instrument; and (c) the performance of Borrower's covenants and agreements under this SecuntyInstmmem and the Note. For this purpose. Borrower does hereby second mortgage, grain and convey to Lender the Allowing described property located in CJ 1 1 i e:' - unty, Florida. More particularly doscroari See Exhibit A and which ties the address o --,;\ ('Property Address'): 1 ( '_Q17 Palm Dr. TOGETHER WITH all lhejrdprolements now or hereafter erected on the property, and all easements, rights, appurtenances, rents. royalties,mineral, all and gas nghts and profits, wafer rights and stock and all tortures now orhereailer a penal the propery, The Secunty Instrument shall also cover all replacements an ddillons. All of the foregoing is referred to In this Security Instrument as the 'Property'. BORROWER, that li& wer is lawfully seized of the estate hereby conveyed and has the night to mortgage,grant and convey Ira Property and Thal the Proge is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the (life to the Property ageinsl all Intros an demands. subject to any encumbrances of record. THIS SECURITY INSTRUMENT corpb' f unit orm covenants lot national use and non.umiorm covenants with limited variation by jurisdiction loconslitutea unilormsecuntyinstfurZ c eying real property. UNIFORM COVENANTS. Borrower alud-Lfander covenant and agree as follows 1. Payment of Principal and interest; Pre ey}rfoni and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt ovltloncetl by the Nole ` / , Y. Taxes. The Mortgagor will pay all taxes tlsAssall me sewer rents or water rates poor to the accrual of any penalties oriaterest (hereon. -✓, The Mortgagor shall pay or cause lobe paid, as the $4me)e3pectively become due, (Ahl) all taxes and governmental charges of any kind whatsoever which may at anytime be lawluily asse6sed oa�r lasted against or with respect to the Property, (2) all utility and other charges, Including 'service charges', incurred or imposed for gt6 aperayo maintenance.use.occupancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges lhpy may lawfully be paid in installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause lo.b,4 gaidonlysuch installments as are required to be paid during the term of the Mortgage, and shall, promptly after the payment of any of the torego�ilg bard to Mortgagee evidence at such payment. 3. Appllcationof Payments. Unlessepplicabie law provides q) ery+1 e,ad payments received by Lender shall be applied: find, to interest due; and, to principal due; and last, to any late charges due under Ke aid 4. Charger, Llano. Borrower shall pay all lazes. assessments. charge '1 nes and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or giib,0 reels. it any. Borrower shall promptly lurmsh to Lender all notices of amounts to be paid under this paragraph. and all receipts ewdenong)ifo,p ymenls. Borrower shall promptly discharge any lien which nes pnonly over this$€c_pnryI simmenl unless Borrower:(a) agrees in writing to the payment of the obligation secured by the lien in a manneraaeplable to Lentler,.(b). Onsets in good faith the lien by, or delends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to preyeottheenlorcemenl of the lien; or to) secures horn the holder of the Ilan an agreement salisfaclory to Lender subordinating the lien to this Sefidiry Instrument. If Lender determines that any pad of the Property is subject to a lien, which may attain priorityover the Sanity lnsimni2r11, I,e er may give Borrower a notice idenhhing the lien. Borrower shall satisfy the lien or lake one or more of the actions set form above within nil d@ys of the giving of notice. 6. Hazard or Property Insurance. Borrower shall keep the improvements now'er slslm� bj hereafter erected on the Property insured against loss by fire, hazards Included within the ten 'amended coverage' and any oNer ha,1$rds, Including floods or flooding, for which Lender requires Insurance. This Insurance shall be maintained in the amounts find Ior7 e �d���: s that Lender requires. The Insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's apytoVa(, �mwnnNNdd7799hh shall not be unreasonably withheld. II Borrower fails to maintain coverage described above, Lender may, at Lenders option, oblain'efbver6ge to protect Lenders rights in the Propedyin accordance with paragraph7. At all limes that the Note is outstanding, the Modgagorshaiim�inlaJnlnsuran mth respect to the Premises against such risks and for such amounts as are customarily Insured against and pay, as Illme due and payable, all premiums in respect thereto, Including, but not limited to, albnsk insurance protecting the interests of the Mortgagor and Mortgagee agents loss or damage to the Premises by lira, lightning, and other casualties customanly insured against (including boiler explosion, it appropriate), with a uniform standard extended coverage endorsement, including debris removal coverage. Such insurance at all limes to be In an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations. All Insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. II Lender requires. Bonower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance tamer and Lender. Lender may make proof of loss It not made promptly by Borrower. Unless Lender -rid Borrower olnermse agree in writing, tPiLurance proceeds shall be applied to restoration orrepalrof the Property damaged. It the restoration or repair is economically feasible and Lenders security is not lessened. it the restoration or repair is not economically feasible or Lenders security would be lessened, the insurance proceeds shall be applied to the sums secured blithe Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer vnihin 30 days a notice tram Lender that the insurance carder has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Secunty Inslu menl, whether or not then due. The 3P day period will begin when the notice Is mailed Unless lender and Borrower otherwise agree In writing, any application of proceeds to principal shall not extend or postpone the duo date of the monthly payments referred to In paragraph i or change the amount of the payments. It under paragraph 21 the Property Is acquired by Lender, Borrowers right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security instrumenlimmediately prior to the acquisition. =•m�ed.vry roof o 6. Occupancy, Presorva lon, Maintenance end Protection of the Property; Borrower's Loan Application, LeasohaWs, Borrower shall occupy. establish, and use the Property as Borrower's principal residence within sixty 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. Borrower area not destroy, damage or impair the Property, allows the Property to deteriorate. or commit waste on the Property. Borrower shall be in default II anylodeilure action or proceeding, whether civil orcnmmal, is begun that in Lenders good fault Judgment could result in lonellure of the Property or otherwise materially Impair the lien created by this Security inslrumani or Lender's security inleresl. Borrower may cure such a default and reinstate, as provided In paragraph 18. by causing the action or proceeding to be dismissed with a ruling that, in Lenders good faith determination, precludes forfeiture of the Borrowers interest in the Properly or other mate net impairment of the lien created by this Security lnslrumenl or Lenders security interest. Borrower shall also be in default it Borrower, during the loan application process. gave materially false or inaccurate information or stale menls to Lender for failed to provide Lender with any material mlormabon) in connection with the loan evidenced by the Note. including. but not limited to. representations concerning Borrower's occupancy of the Property as a Principal residence. If this Security Instrument is on leasehold. Borrower shall comply with all the pronsun of the lease. If Borrower acquires fee note to the Property. the leasehold and the tee title shall not merge unless Lender agees to the merger in venting. 7. Protection of Lender's Rights In the Property. If Borrower falls to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly alfect Lenders rights in the Property (such as a proceeding in bankruptcy. probate, for condemnation or fodeiture or to enforce laws or regulabons), then Lender malice and payforwhalever Is necessary to protect the value of the Property and Lender's rights in the Property. Lenders actions may Include paying any sums secured bya lien, which has priority over this Security Instrument, appearing in could, paying reasonable attorneys' lees and entering on the Property to make repairs. Although Lenderma take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall be dtitional debt of Borrower secured by this Security Instrument Unless Borrower and Lender agreeto other terms of payment, these arJta In,, shall bear interest Irom the dale of disbursement at the Note rate and shall be payable, win interest, upon notice from Lender to ro er�7 questing payment. 8, Mortgage Ing rSnce.\ If Lender required mortgage insurance as a condition of making the loan secured by this Secunly Insbumenl, Borrower shall Pay The p((emiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required 0y Londar,lapses or ceases to be in effect. Borrower shalt pay the premiums required to obtain coverage to Ihb-moot in to the Borrower substantially equivalent age'iQsurance previously effect, at a cost substantially equivalent cost to of the mortgage Insurance previously in a Is' .1 On an alternate mortgage insurer approved by Lender. II substantially equivalent mortgage tlorr Insurance coverage Is not avallablii,ower shall pay to Lender each month a sum equal to one-Iwellth of the yearly mortgage Insurance premium being paid by Borrower when the rise ante coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of modg{Tge surance. Loss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the artYount nd for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is ohlainetl. BOIroYle shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage ins ur�jand'da its in accordance with any wngen agreement between Bonower and Lender or applicable law. (r`, 6. inapecllan. Lander or Its agent mey``me e'teasonable entries upon and inspections of the Properly. Lender shall give Borrower the time inspeoti $P@@41lyfng for notice at of or prior to an reasonable cause the Inspection, 10. Condomnallon. The proceeds of,aq aWai�,or claim for damages, direct or consequential, in connection with any • - condemnation orother taking of any pan of the Properly. or conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property. lh royyebds all be applied to the sums secured by this Secunty instrument.whether p or not then due, with any excess paid to Borrower. in Ih€ev n I aya, ial taking of the Properly, in which the fair market value of the w Propedylmmatltaudybetom the taking is equal t0 or greater�I an the agiounl 0l the sums secured by this Security instrument Immediately before the taking, unless Borrower and Lender otherwise agf emwyting, the sums secured bylhis Securry Instrument shall be reduced by the amount of the proceeds multiplied by the lolimving iraclidtl',f ) lire Of amount of the sums secured immediately before the taking, G7 • - dividedby(b) the fair market value of the Property immedialh ely boor e laF Ing. Any balance shalt be paid to Borrower, In the event of .--� partial taking of the Property in which the lair market value of the Pro ady i(rimedfatelybefore the taking is less than the amount of the sums Cx secured Immediately for the taking. unless Borrower and Lender othbrsGisa.A9rO,e�in writing or unless applicable law cinemas provides. the proceeds shall be applied to the sums secured by this Security instrumed.lv��lher or not the sums are then due. Unless Lender and Lr, Borrower otherwise agree in writing, any application of proceeds to pric>F" at extend or postpone the due dale of the monthly , payments referred to In paragraphs 1 or change the amount of such paymer, 1. ))- 11. Borrower Not Released, Forbearance By lender Not o Will 7• �Ex� nsion of the time for payment or modification of amortization of the sums secured by this Security Inslmrnebt granted by lendatopIt soasset in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in inleresl:. end shall not be required to commence proceedings in interest time for against any successor or refuse to extend payment or otherwise malty amortization of the sums secured by this Security instrument by reason of any demand made by the original Borrower or Sonowers succe"s am,I interest. Any forbearance by Lentler in exercising any right or remedy shall not be a waiver or or precious the exercise of any n;it orre Any, 12. Successors and Assigns Bound; Joint and Several Liability; Co-Slgners. �hecovgnants and agreements of this Security Instrument shall bind and benefit the successors and assigns Of Lentler antl Bonower. su6je'E(tothe P visions of paragraph 17. Borrower's shall be several. Any Borrower this Secul but does Note; covenants and agreements joint and who cosigns she It not execute the (a) is cosigning this Security Instrument only to mortgage, grant and convey that Borrowers infereal ins' openly under the terms of this Security instrument;(b) is not personally obligated to pay the sums secured by this SecurityinslrumeI t: c) agrees that Lender and any other Borrower may agree to extend modify,forbear or make any accommodations with regard toll he'le(<n3fiI t is Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Security Instrument is subject to alawwInn selsma�fnSs>in loan charges, and that law is finally Interpreted so that the Interest or other loan charges collected or to be collected in conneclio h 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 under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by salivating it or by mailing it by lirst class mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 16. Governing Law; Severabilily. Federal law and the lawof the jurisdiction in which the Property is located shall govern this Security Instrument. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall net affect other provisions of this Security Instrument or the Note which can be given effect without the conducting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security instrument. 17, Transfer of fhe Proporty ar a Beneficial Interest In Renewer. If all or anypad of the Propenyor any interest in it is sold or transferred (or it a beneficial Interest in Borrower Is said or transferred and Borrower is not a natural person) without Lenders prior written consent, Lender may, at its option, require Immediate payment in lull of all sums secured by this Security Instrument. However, Lender shall not exercise this option if federal law as of the dale of this Security Instrument prohibits exercise. If Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the dale the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument, If Bonower 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. +sied.np ro1W a 18. Borrower's Right to Reinstate. If Borrower meets certain conddions, Borrower shall have the fight to have enforcement of this Security Instrument discontinued at any time prior to the earlier of : (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of ajudgment 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 up) cures and default of any other covenants or agreements; to) pays all expenses incurred in sniordng this Security Instrument, including, but not limited to, reasonable attorneys lees; and (it) lakes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Propertyand Borrowers obligation to paythe sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as it no acceleration had Occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17, 19. Sale of Note; Change of Loan Servicer. The Note or a partial Interest in the Note gogelher Nth this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity(known as the 'Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. There also maybe and 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 in accordance with paragraph 14 and applicable law. The notice will stale the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other Information required by applicable law. 20, Hazardous Substances, Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on of in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that Is In violation of any Envlronnyen(Bt Law. The preceding two sentences shalt not apply to the presence, use, or storage on the Properly of small quantities of Hazardous�Suds dcesthat are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. /�d, Borrower shall promptly give y�ende��written notice tot any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private p(dy IhybIVing the Property and any Hazardous Substance or Environmental Larval which Borrower has actual knowledge, 11 Borrower (earns�affis It'Ried by any governmental or regulatory authority, that any removal or other remedialion d any Hazardous Substance affecting the Plpppgy is necessary. Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law . -/ As used bh this paragraph 20, 'Hazardous Subsilances" ate those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gayseilnry,ke sane, other flammable or toxic petroleum proUucis, toxic pesticides and herbicides, volatile solvents, materials conlaining asbestos'os to aldehyde. and radioactive materials. As used in this paragraph 20, 'Environmental Law' means federal laws and laws of ilia furi5tl)chere the Property Is located that relate to health, safety or environmental protection. 21. Accelerellon; Remedies.' and. shal give notice to Borrower prior to acceleration renewing Borrower's breach of any covenant or agreement in this Security InsirUm6i (b t not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify. ta)thedela 1l\(b) he, action required to cure the default; (c)adate, not less than 30dats from the date the notice is given to Borrower, by which the delaullinus( oa pured; and (it) that failure to cure the default on or before the date specified in the notice may result In acceleration of the sums srnpredby ids Security Instrument, foreclosure by Judicial proceeding and sale of the Property. The notice shall former Indian Borrower-of.(hd n I t to reinstate after acceleration and the tight to assert in tire foreclosure preceding the non-existence of a default or anyother tlatle9s of orrower to acceleration and foreclosure. ll the default is not cured on or before the sale specified in the nonce. Lender, at its option, a t7equlre Immediate payment In full of all sums secured by this Security Instrument without further demand and may foreclose this $ unty his Nmenl byfudicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this ara25,raph, 1,including, but not limited to, reasonable atomeysfees and costs of the title evidence. v / 22. Release, Upon payment of all sums secured bythls'Sacun(yipsimmenl Lender$hall release this Security lnsbumenl,without charge, to Borrower. Borrower shell pay any recordation costs.` 23. Attorneys' Fees. As used in this Security Instrument ndthe Not . "attorneys' lees' shall hlCWde any atomeys' fees awarded by an appellate court. 24. Riders to this Security Instrument. If one or more riders a a exatoreit by Borrower and recorded together with this Secunty Instrument, the covenants and agreements of each such near shall be Inca rat I�Slp and Shan emend and supplement the covenants and agreements of this Security Instrument as If the rider(s) were apart of rhls'S`G n� mmenl. (Check Applicable Box) 11 Adjustable Rate Rider a Rate Improvbrlidni Right ❑ Condominium Rider r- Gratlualetl Payment Rider i—' 64 Family Rider . //' � Second Home Rider Balloon Rider L 1 Biweekly Payment Rlddr� c _U Planned Unit Development Rider n '-� Olheds)(specify SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained In IhiJ_eculity Instrument and in any heads)executed by Borrower and recorded with it. Signed sealed and delivered In the presence at: �X\ I`'C: Witness Slgnature:j 16i,. yXUJc.t, _Signature:-1J zO(; ��t'<r Lt� s Borrower SYLV A ESTBA ,-1 e: Witness Print Namus_ I Ilc1l Signature: _ / 3 Borrower Witness Signature: Witness Print Neme:;,J'r ♦ (_t (' 1 Address: 1017 Palm Dr. Tnanokalee, Florida 34142 STATE OF — Florida -COUNTY OF —Collier I hereby rarity that on This day, balers me, an officer duly authorized In the stale aforesaid and in the county aforesaid to take acknowledgements, personally appeared SYLVLA RSTIIADIL to me known to be the persons) described in and who executed the foregoing Instrument and acknowledged before me that HE/ SHE/THEY ¢%?ruled the same for the purpose therein expressed. CJ WITNESS my hand and official seal In the.County and Stale aforesaid his August 30, 2002. My Cammisslon Expires: �< - —�. ---YYY -1 Notary Public's Signaluua-; L.( 1 ...... -\ ti t ( � r I .ah xh Nolarys Printed Name (SEAL) "'Isd.wp IYWSmdbW410theC04*Gr collier sue or noridil OR: 3103*K: 1053 Commencing at a point 39.19 feet south of the Northwest corner of the West one-half of the Northeast one -quarter of the Southwest oae-quarter of Section 390 Towaship 46 South, Range 19 Meet, Collier Countyp ylorida, said point being on the south Right of Nay line of State Road 8-850, thence southerly along the West boundary of the Northeast one-quortor of the southwest one -quarter of said section, 460.71 feat to the Point of 8e912mingr thence easterly and parallel with the south Ri# of Way line of state Road 0-850 135.00 feeti thence Southerly! parallel with the West Boundary 100-00 135.00 feet to thence Westerly a"d_ arallol with the North eoundary the West boundas� Qp�f Northeast ono -quarter of the Southwest one -quarter of saXi ationt thence Northerly along said boundary 100.0o feet to the..poi:**,Of beginning. Subject to reservations, etrictions and easements of record.