Closing Package Combined Test

From: (541) 281-0977 Origin ID: LMTA

Nancy Hall6368 Teal Dr

Bonanza, OR 97623

SHIP TO: (800) 237-8489

50 Jordan StreetSuite 100East Providence, RI 02914

Delivery Address Bar Code

CAD: 103954177/WSXI2150

TRK#

J13111302120326

Ship Date: 23MAY13ActWgt: 1.0 LB

0201

Equity National

BILL SENDER

XH WSTA

518G1/9983/93AB

7998 4089 7656

FRI - 24 MAY 3:00P STANDARD OVERNIGHT

02914 RI-US

PVD

RELEASE#: 3785346

Ref # 213111494Invoice #PO #Dept #

F. Name & Address of Lender:

Place Of Settlement: 5140 S 6TH ST, KLAMATH FALLS, OR 97603

E. Name & Address of Seller:

420. Gross Amount Due To Seller

505. Payoff of second mortgage loan

506.

Tax ID: 05-0448169

8. Mortgage Insurance Case Number:7. Loan Number:6. File Number:

This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked “(p.o.c.)” were paid outside the closing; they are shown here for informational purposes and are not included in the totals.

D. Name & Address of Borrower:

OMB Approval No. 2502-0265

A. Settlement Statement (HUD-1)

B. Type of Loan

FHA1.

VA4.

RHS

5. Conv. Ins.

3. Conv. Unins.213111494 0220551709

C. Note:

TODD M. HESSELTINE2329 WEST 20TH STREETGREELEY, CO 80634

SUNTRUST MORTGAGE INC. 1001 SEMMES AVENUERVW-5094RICHMOND, VA 23224

2329 WEST 20TH STREETGREELEY, CO 80634 (WELD)(R2324186)

G. Property Location: H. Settlement Agent I. Settlement Date

5/24/2013

J. Summary of Borrower's Transaction K. Summary of Seller's Transaction

100. Gross Amount Due From Borrower 400. Gross Amount Due To Seller

101. Contract sales price

106. City/town taxes

Adjustments for items paid by seller in advance

105.

104. Net Payoff to SunTrust Mortgage

103. Settlement Charges to Borrower (line 1400)

102. Personal Property

111.

110.

109.

108. Assessments

107. County taxes

112.

$156,553.05

$3,861.95

401. Contract sales price


Adjustments for items paid by seller in advance

405.

404.

403.

402. Personal Property

411.

410.

409.

408. Assessments

407. County taxes

412.

200. Amounts Paid By Or In Behalf Of Borrower

206.

204. APPLICATION FEE - Paid Outside of Closing

203. Existing loan taken subject to

202. Principal amount of new loan

201. Deposit or Earnest Money


Adjustments for items unpaid by seller

209.

208.

207.

205.

$200.00

$160,465.00

120. Gross Amount Due From Borrower $160,415.00

211. County taxes

216.

214

213.

212. Assessments

219.

218.

217.

215.

220. Total Paid By/For Borrower $160,665.00

302. Less Amounts Paid By/For Borrower (line 220)

301. Gross Amount Due From Borrower (line 120)

300. Cash At Settlement From/To Borrower

$160,415.00

$160,665.00

$250.00

500. Reductions In Amount Due To Seller

504. Payoff of first mortgage loan

503. Existing loan taken subject to

502. Settlement Charges to Seller (line 1400)

501. Excess deposit (see instructions)


Adjustments for items unpaid by seller

509.

508.

507.

511. County taxes

516.

514

513.

512. Assessments

519.

518.

517.

515.

520. Total Reduction Amount Due Seller

602. Less Deduction in Amt. Due To Seller (line 520)

601. Gross Amount Due To Seller (line 420)

600. Cash At Settlement To/From Seller

603. Cash $0.00

2.

FINAL

303. Cash To Borrower To From SellerFrom

Disbursement Date

5/31/2013

/

/

EQUITY NATIONAL TITLE & CLOSING SERVICES, INC.50 JORDAN STREET, SUITE 100, EAST PROVIDENCE, RI 02914 (888) 434-5500

05/23/2013 05:02 PM5of1Page HUD-1Previous editions are obsolete

L. Settlement Charges

700. Total Real Estate Broker Fees Paid FromBorrower'sFunds at

Settlement702. to

701. to

Division of Commission (line 700) as follows:

703. Commission paid at Settlement

704.

Paid FromSeller's

Funds atSettlement

800. Items Payable In Connection With Loan

801. Our origination charge $2,229.65 to SunTrust Mortgage Inc. (from GFE #1)

802. Your credit or charge (points) for the specific interest rate chosen ($1,843.74) (from GFE #2)

803. Your adjusted origination charges (from GFE A) $385.91

804. Appraisal Fee (from GFE #3)

805. Credit Report to Equifax (POC $12.50 by B) (from GFE #3)

806. Tax service to (from GFE #3)

807. Flood certification to Corelogic (from GFE #3) $6.00

900. Items Required By Lender To Be Paid In Advance

901. Daily interest charges from 5/31/2013 to 6/1/2013 @ 17.0400/day to SunTrust Mortgage Inc. (from GFE #10) $17.04

902. Mortgage Insurance Premium (from GFE #3)

903. Homeowner's insurance (from GFE #11)

1000. Reserves Deposited With Lender

1001. Initial deposit for your escrow account (from GFE #9) $1,230.76

1002. Homeowner's insurance 12.00 months @ $102.56 per month $1,230.72

1003. Mortgage insurance 0 months @ $128.37 per month

1004. County Property taxes 8.00 months @ $ $82.20 per month $657.60

1007. Aggregate Adjustment ($657.56)

1100. Title Charges

1101. Title services and lender's title insurance (from GFE #4) $1,515.00

1102. Settlement or closing fee to Equity National Title & Closing Services, Inc. $795.00

Settlement or closing fee to Equity National Title & Closing Services, Inc.

1103. Owner's title insurance to Equity National Title & Closing Services, Inc. (from GFE #5)

1104. Lender's title insurance to Equity National Title & Closing Services, Inc. $600.00

Lender's coverage $160,465.00 Premium $600.00 to Equity National Title & Closing Services, Inc. $600.00

1105. Lender's title policy limit $160,465.00

1106. Owner's title policy limit $0.00

1107. Agent's portion of the total title insurance premium to Equity National Title & Closing Services, Inc. $510.00

1108. Underwriter's portion of the total title insurance premium to First American Title Insurance Company $90.00

1109. Courier Fee

Courier Fee $45.00

1110. Recording Service Fee

Recording Service Fee $50.00

1111. Tax Search Fee

Tax Search Fee $25.00

1200. Government Recording and Transfer Charges

1201. Government recording charges (from GFE #7) $131.00

1202. Deed $ Mortgage $131.00 Releases $

1203. Transfer taxes (from GFE #8)

1204. City/County tax/stamps Deed $ Mortgage $

1205. State tax/stamps Deed $ Mortgage $

1300. Additional Settlement Charges

1301. Required services that you can shop for (from GFE #6)

1302. Survey

1303. Pest Inspection

1305. TAX SERVICE FEE to VALUTREE $83.00

1306. County Property Taxes due 06/15/2013 to Weld County Treasurer $493.24

1400. Total Settlement Charges (enter on line 103, Section J and 502, Section K) $3,861.95 $0.00


Owner's title insurance to Equity National Title & Closing Services, Inc.

TAX SERVICE FEE

Flood certification

Credit Report

Title services and lender's title insurance

Daily interest charges $17.04 /day

# 805

# 1101

$385.91$385.91

$0.00

-$1,843.74-$1,843.74

$2,229.65$2,229.65

HUD-1

Transfer taxes # 1203

Your adjusted origination charges # 803

Your credit or charge (points) for the specific interest rate chosen # 802

Our origination charge # 801

Charges That Cannot Increase HUD-1 Line Number

Comparison of Good Faith Estimate (GFE) and HUD-1 Charges Good Faith Estimate

$6.00$6.00

$83.00$83.00

$12.50$12.50

$1,515.00$1,515.00

$131.00 $131.00

HUD-1Good Faith Estimate

$1,747.50 $1,747.50

$0.00 or 0.00 %

# 1305

# 807

Government recording charges # 1201

Charges That in Total Cannot Increase More Than 10%

#

#

#

Total

Increase between GFE and HUD-1 Charges

Homeowner's insurance # 903

# 901

# 1103

Initial deposit for your escrow account # 1001

Charges That Can Change

#

#

$0.00

$0.00

$17.04$17.04

$1,888.32 $1,230.76

HUD-1Good Faith Estimate

. This includes

You have an additional monthly escrow payment of $ 184.76

taxes and homeowner's insurance. You must pay these items directly yourself.

You do not have a monthly escrow payment for items, such as propertyTotal monthly amount owed including escrow account payments

.

due inYes, you have a balloon payment of $No. Does your loan have a balloon payment?

.Yes, your maximum prepayment penalty is $No. Does your loan have a prepayment penalty?

.The maximum it can ever rise to is $

owed can rise to $

and the monthly amountYes, the first increase can be onNo.Even if you make payments on time, can your monthly amount owed for principal, interest, and mortgage insurance rise?

964.33

3.875

25.00

160,465.00

.Yes, it can rise to a maximum of $No.

% or higher than %.

%. The first change will beYes, it can rise to a maximum ofNo.

$

Principal

Interest

Mortgage Insurance

includes

%

years

$

Your initial interest rate is

Even if you make payments on time, can your loan balance rise?

Your initial monthly amount owed for principal, interest, and any mortgage insurance is

Can your interest rate rise?

Your loan term is

Your initial loan amount is

Loan Terms

on and can change again every after

. Every change date, your interest rate can increase or decrease by

%. Over the life of the loan, your interest rate is guaranteed to never be lower than

years on

that results in a total initial monthly amount owed of $ 1,149.09

principal, interest, any mortgage insurance and any items checked below:

Property taxes

Flood insurance

Homeowner's insurance

COUNTY PROPERTY TAXES

Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form, please contact your lender.


Supplemental PageHUD-1 Settlement Statement

Buyer SellerItemization

Line 1101

a. Abstract or title search to Equity National Title & Closing Services, Inc.

$0.00 $0.00Total:


The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction. I have caused or I will cause the funds to be disbursed in accordance with this statement.

Settlement Agent

5/24/2013

Date

I have carefully reviewed the HUD Settlement Statement and to the best of my knowledge and belief it is true and accurate statement of all receipts and disbursements made on my account or by me in this transaction. I further certify that I have received a copy of the HUD Settlement Statement.

BORROWERS

________________________________________________________________TODD M. HESSELTINE


Fraud Warning Proprietary W0211 Page 1 of 1 73462MU 01/08

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Loan No.: 0220551709

MORTGAGE FRAUD IS INVESTIGATED BY THE FBI

Mortgage Fraud is investigated by the Federal Bureau of Investigation and is punishable by up to 30 years in federal prison or $1,000,000 fine, or both. It is illegal for a person to make any false statement regarding income, assets, debt, or matters of identification, or to willfully overvalue any land or property, in a loan and credit application for the purpose of influencing in any way the action of a financial institution.

Some of the applicable Federal criminal statutes which may be charged in connection with Mortgage Fraud include:

18 U.S.C. § 1001 - Statements or entries generally 18 U.S.C. § 1010 - HUD and Federal Housing Administration Transactions 18 U.S.C. § 1014 - Loan and credit applications generally 18 U.S.C. § 1028 - Fraud and related activity in connection with identification documents 18 U.S.C. § 1341 - Frauds and swindles by Mail 18 U.S.C. § 1342 - Fictitious name or address 18 U.S.C. § 1343 - Fraud by wire 18 U.S.C. § 1344 - Bank Fraud 42 U.S.C. § 408(a) - False Social Security Number

Unauthorized use of the FBI seal, name, and initials is subject to prosecution under Sections 701, 709, and 712 of Title 18 of the United States Code. This advisement may not be changed or altered without the specific written consent of the Federal Bureau of Investigation, and is not an endorsement of any product or service.

SIGN01

TODD M HESSELTINE (Borrower) (Date) (Borrower) (Date)

(Borrower) (Date) (Borrower) (Date)

Master Closing Instructions (Multistate) Proprietary W0211 Page 1 of 15 59467MU 11/04 Rev. 11/12

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Loan No.: 0220551709

MASTER CLOSING INSTRUCTIONS

These Master Closing Instructions ("Closing Instructions") are for closing the loan referenced in the Supplemental Closing Instructions. Do not proceed unless you are prepared to fully follow these instructions. Have any questions answered prior to commencement of closing. Any modifications must be in writing and signed by the Lender.

If any ambiguities, obvious errors, or questions arise in connection with a loan or any matter contained in the Master or Supplemental Closing Instructions, the Closing Coordinator specified in the Supplemental Closing Instructions must be contacted prior to closing for further instructions or to clarify or resolve matters. The Settlement Agent will be made liable for losses incurred by the Lender as a result of the agent closing a loan with knowledge that errors were contained in any documents or instructions. If the Settlement Agent determines that a loan cannot be closed in accordance with these Closing Instructions, (including the policy and other requirements), do not proceed to closing without further instructions from the Lender. An attempt has been made to provide complete and correct forms necessary to close our loan with the Supplemental Closing Instructions on each loan. However, if any required forms are missing, or obviously incorrect or obsolete forms have been included, please call Lender's Closing Coordinator. These Master Closing Instructions are for closing the loan referenced in the Supplemental Closing Instructions. Do not proceed unless you accept full responsibility for following these instructions. All Master and Supplemental Closing Instructions must be strictly followed. Do Not Close The Loan Otherwise. Have any questions answered prior to commencement of closing. Any modifications must be in writing and signed by the Lender. SETTLEMENT AGENT IS NOT AUTHORIZED TO MAKE ANY CHANGES ON THE NOTE, SECURITY INSTRUMENT OR TRUTH-IN-LENDING DISCLOSURE STATEMENT. THE DOCUMENTS MUST BE REORDERED BY THE LENDER. 1. FRAUD PREVENTION.

1.1 Settlement Agent has special knowledge that the Lender cannot obtain from any other source. Lender is relying on Settlement Agent to communicate any material fact. Settlement Agent has a duty to provide precise and correct information that might affect Lender’s decision to make the loan. By way of example, an adverse change of the value or title of the property, changes to the sales contract (if purchase), changes to the financing, bankruptcy, or enforcement of creditor’s rights are material to Lender. If Settlement Agent receives any such material information, the Settlement Agent shall suspend loan closing and immediately disclose the information to Lender.

1.2 If Settlement Agent or anyone in Settlement Agent’s office is a party to the transaction, is a family

member or relative of any of the parties to the transaction, or has a conflict of interest, obtain Lender’s written consent before closing.

1.3 If Settlement Agent has reason to believe there is a fraud or scheme related to the transaction,

Settlement Agent shall suspend loan closing and immediately contact Lender. 1.4 Information related to the Borrower, Seller, Real Estate Broker, Builder, Mortgage Broker, Title

Insurer, Settlement Agent, or property may be a material inducement to Lender for making the loan. If Settlement Agent knows any party to the transaction made a material misstatement or discovers a falsehood, Settlement Agent shall suspend the closing and immediately contact the Lender.

1.5 If Settlement Agent has knowledge or belief that any document has been tampered with, falsely

generated, bears an incorrect or falsified date, bears different names and addresses for the same


*+0220551709+001D+2+15*

party, bears a fictitious name, or a party’s handwriting is inconsistent throughout the file, suspend closing and immediately contact the Lender.

1.6 If the Borrower or Seller appear to be coerced, under undue influence, or lack capacity to

understand the transaction, suspend closing and immediately contact the Lender. 1.7 The Borrower(s) must be able to read and understand the loan documents and the nature of the

transaction. 1.8 If Settlement Agent has knowledge that there is, or will be, a “silent second mortgage” placed on

the property, or that any monies Borrower is required to pay or deposit at closing are not from the Borrower’s own funds or a bona fide gift, the Settlement Agent shall suspend loan closing and immediately contact Lender.

1.9 If this is an owner-occupied property transaction and Settlement Agent has knowledge of the

Borrower owning and occupying another residence not subject to sale, or that the Borrower does not intend to occupy the property, the Settlement Agent shall obtain the written consent of Lender.

1.10 If the Mortgage Broker and the property Seller are the same, or are owned or controlled by the

same person, do not proceed with closing and immediately contact Lender. 1.11 Immediately inform the Lender if the Borrower had a former interest in the property, or if other

parties to the transaction such as the Real Estate Agent, Mortgage Broker, Appraiser, or Settlement Agent had an interest in the property.

1.12 If a business entity is acting as the Seller, confirm that the Borrower does not control, and is not

related to, the Owner or the Seller. 1.13 Supplemental closing instructions will indicate if the borrower must execute IRS form 4506. All

Borrowers must execute IRS FormW9. 1.14 Confirm the preliminary Title Commitment or Binder is correct, or issue a corrected Title

Commitment or Binder to Lender. Immediately contact the Lender if the owner, as shown on the Title Commitment, is different from the Seller on the Purchase Contract. The sale must not be subject to Seller acquiring title.

1.15 Settlement Agent must be an approved agent with the Title Insurer whose name appears on the

Title Commitment and Binder. 1.16 If there are material or significant changes to the sales price or the escrow, Lender must approve

the same prior to closing. Confirm the sales price on the contract matches the sales price on the HUD-1 Settlement Statement.

1.17 Settlement Agent must sign the HUD-1 or HUD-1A Settlement Statement. 1.18 Settlement Agent must return recordable documents and the final Title Policy in a timely manner,

but no later than 30 days from the date of closing. Final Short Form Title Policy should be delivered within 5 days of the date of closing. Failure to deliver these documents in a timely manner may result in a claim being filed with the Title Insurer.

1.19 Do not allow the Borrower to sign any document containing blanks. 1.20 Ensure all documents have proper signatures.


*+0220551709+001D+3+15*

2. INSURED CLOSING. Request is hereby made that An Insured Closing Protection Letter in the form authorized for use in your state must be issued in connection with the closing and settlement of any loan closing through an Issuing Agent or through an attorney approved to issue title insurance for the title insurance company. All Issuing Agents and approved attorneys must confirm that such a letter is on file with the Lender before closing the loan. 3. CLOSE AS INSTRUCTED AND REQUIRED. As Settlement Agent, you must close the transaction in strict accordance with these Closing Instructions. If this transaction involves a sale, and it is customary for the Settlement Agent to receive a copy of the sales contract, all applicable terms and conditions of the sales contract furnished to Lender must be followed. Immediately advise the Lender if any of the sales contract provisions conflict with these Closing Instructions. Immediately advise the Lender of any recent (within the last six (6) months) or impending change in ownership of the property. Prior to request for funding, you must have written authorization from Lender approving any deviation from the Master and/or Supplemental Closing Instructions. No credits, debits, secondary financing, or third party contributions are allowed unless specifically authorized in the Supplemental Closing Instructions. 4. COMMITMENT FOR TITLE INSURANCE AND POLICY. Lender’s loan documents have been prepared based upon the Title Commitment or Binder. The title policy must be written through the same company which issued the Commitment for Title Insurance (“Title Commitment”) previously furnished to the Lender. If the Title Commitment or Binder does not comply with the following requirements, Settlement Agent must either (i) amend it, (ii) provide a new Title Commitment or Binder, or (iii) agree to provide Lender a subsequent Mortgagee Title Policy (“Title Policy”) in accordance with the following requirements:

4.1 The date of the Title Commitment or Binder may not be more than ninety (90) days (one hundred eighty (180) days if subject property is located in Oklahoma) before the settlement date. If the Title Commitment or Binder has expired, do not close the loan, and contact the Lender immediately. The Title Commitment or Binder must have an authorized counter-signature by a validating officer or authorized signatory.

4.2 The Title Policy must insure a first and superior deed of trust, mortgage lien, or other specified

security instrument and insure over all title exceptions that would jeopardize the marketability of title, except in those cases where our loan is actually a second mortgage or home equity line of credit. If secondary financing is present, the title policy must show the first mortgage loan amount in Schedule A (amount of insurance) and the second mortgage loan in Schedule B-part II.

4.3 An ALTA Short Form Residential Loan Policy (Revised 10-21-00) is required for all transactions

when available. In conjunction with the Master Policy, the coverage provided by the short-form policy must be at least as broad, providing at least the amount and scope of coverage given by the standard ALTA Loan Policy. In addition, by issuing a short-form policy, you acknowledge that the Lender may, in the future, request that a full, individual, standard ALTA Loan Policy be provided in its place.

4.4 The effective date of the policy coverage may be no earlier than the later of the date of the final

disbursement of the loan proceeds or the date the Security instrument is recorded. 4.5 The “Proposed Insured” must read exactly as Lender’s loan documents with the following additional

phrase: If a Conventional Loan: “Its successors and/or assigns as defined in Paragraph 1(a) of the Conditions and Stipulations of this policy.” If an FHA Loan: “And/Or the Secretary of Housing and Urban Development of Washington, D.C., their respective successors and assigns, as defined in Paragraph 1(a) of the Conditions and Stipulations of this policy.”


*+0220551709+001D+4+15*

If a VA Loan: “And/Or the Secretary of the Department of Veterans Affairs, an officer of the United States of America, their respective successors and assigns.”

4.6 The amount of the coverage should at least equal the loan amount indicated in the Supplemental Closing Instructions. If the loan has potential capitalized interest or negative amortization, the coverage should equal the highest outstanding balance possible under the terms of the loan.

4.7 The “Proposed Borrower” must exactly match the Borrower’s name(s) indicated in the loan

documents. 4.8 The legal description in the Title Policy and loan documentation must conform to the survey, if a

survey is available. 4.9 The “Estate Insured” must read FEE SIMPLE unless provided otherwise in the Supplemental

Closing Instructions. The Mortgagee Title Insurance Policy must insure against any loss or damage sustained or incurred by reason of a lack of a right of access to and from the land. Any easements providing access to the property must be insured as part of the estate, and not shown as an exception on Schedule “B.”

4.10 The policy cannot contain:

(a) Any exception for taxes, assessments or other charges currently due and payable. (b) Any exception for mechanic’s, material man’s, artisan’s or similar liens. (c) General exceptions as to unrecorded easements or rights of way. (d) General exceptions as to matters of survey including unrecorded easements or rights of

way. (e) Any exceptions for party walls unless such exceptions also affirmatively insure the rights of

the Borrower in and to the use of said party walls in common with others. (f) Any exceptions to the dower, courtesy, homestead, community property or other statutory

material rights, if any, of the spouse of any individual insured. In all cases where any rights of dower or courtesy may affect the taking of title to the property, the policy is to provide affirmative title insurance that the lien of our deed of trust, mortgage, or other security instrument has priority over any statutory rights of dower or courtesy. In those situations, the following language is to be included in the policy/binder: “This policy/binder insures, up to the face amount hereof, that the Insured shall incur no loss or damage as a result of the exercise or attempted exercise, of dower or courtesy rights.”

4.11 Any easement, encroachment, right-of-way or restriction constituting an exception must be

specifically described on Schedule “B.” Any easement or right-of-way indicated on Schedule “B” must be located on the survey unless Lender approves otherwise. If the survey does not show easements which are on the Title Commitment or Binder, either (i) remove said item(s) from Title Commitment or (ii) have surveyor locate and identify said items on an amended survey and obtain Lender’s approval of said location. A surveyor’s letter is not sufficient in lieu of removing the exception.

4.12 Oklahoma purchase loans only: Oklahoma law (74 Okl. St. § 227.30) requires that Borrower must

be provided the following information at closing: A purchaser of real property shall have the opportunity to retain possession of the abstract for the property being purchased. Settlement Agent


*+0220551709+001D+5+15*

shall notify Borrower about this option to retain possession at the scheduled closing; however, if a contractual obligation to a mortgage company (including, but not limited to, Lender) requires retention of the abstract by that mortgage company, then Borrower shall have an opportunity to take possession of the abstract upon complete performance of the contractual obligations.

4.13 Cook County, Illinois loans only: Certificate of Compliance or Exempt Certificate - When

submitting the mortgage regarding a property subject to the requirements of Illinois Public Act 094-0280 (the "Act") for recording at the Office of the Cook County Clerk, the Title Insurer or Settlement Agent must simultaneously file with the recorder the Certificate of Compliance or the Exempt Certificate as generated by the predatory lending database. Failure to simultaneously file the Certificate of Compliance or the Exempt Certificate shall be deemed a material breach of these Closing Instruction

4.14 Ohio loans only: Ohio law [Ohio Revised Code Section 1345.031(B)(8)] requires that brokers

licensed under the Ohio Broker Registration Act must provide to the Borrower(s) as the first document at closing the Closing Disclosure prepared by the Office of the Ohio Attorney General under revised rule 109:4-3-23. The Closing Disclosure must be provided to the Borrower(s) in duplicate and signed by the Borrower(s) before the Borrower(s) signs any other documents. The Settlement Agent shall include the original signed Closing Disclosure as the first closing document in the Borrower(s)’ loan file and provide a copy to the Borrower(s) at closing. Settlement Agent shall ensure that the Closing Disclosure is signed before the Borrower(s) sign any other documents and shall not close the loan without this signed disclosure. Failure to ensure that the Closing Disclosure is the first document in the closing package and is properly executed by the Borrower(s) before the Borrower(s) sign(s) any additional documents shall be deemed a material breach of these Closing Instructions.

5. TITLE POLICY EXCEPTIONS. If the title policy will contain exceptions other than those listed below, contact the Closing Coordinator prior to closing of loan. In addition to the survey, it may be necessary for you to forward a copy of recorded documentation to determine whether a waiver will be required before closing and disbursement.

(a) Taxes not yet due and payable. (b) Restrictions that are not violated and insurance that future violations will not cause a

forfeiture or reversion of title. (c) Above-surface public utility easements along one or more of the property lines, provided

the exercise of the rights there under do not interfere with any of the buildings or improvements located on the subject property.

Note: On FHA and conventional loans, if above-surface public utility easements exceed ten (10) feet from any property line (twelve (12) feet on conventional loans), a waiver from FHA or conventional appraiser and PMI Company, if applicable, must be obtained prior to closing.

(d) Customary public utility subsurface easements which are in place and do not extend under any buildings or other improvements on subject property.

(e) Mutual easement agreements recorded in the public records which establish joint

driveways, joint garages, party walls, water wells, septic systems, or other private utility systems constructed partly on the subject property and partly on adjoining property, provided the easement agreement allows all future owners, their heirs and assigns forever, unlimited use without restriction of these joint driveways, garages, party walls, wells and


*+0220551709+001D+6+15*

other systems. (A copy of recorded agreements must be forwarded with closing documents.)

Note: If survey reveals joint driveway, garage, water well, septic system or other private utility system, then such an agreement must be recorded.

(f) Encroachments: (i) On subject property by improvements on adjoining property where such

encroachments do not exceed one (1) foot, do not touch any buildings and do not interfere with the use of any improvements on subject property.

(ii) On adjoining property by driveways belonging to subject property where such

encroachments do not exceed one (1) foot, provided there exists a clearance of at least ten (10) feet between the buildings on the subject property and the property line affected by the encroachment.

(iii) On adjoining property by eaves and overhanging projections attached to

improvements on subject property where such encroachments do not exceed one (1) foot provided there exists a clearance of at least ten (10) feet between the buildings on the subject property and the property line affected by the encroachment VA Loans: This exception not acceptable unless written waiver obtained from VA prior to closing).

(iv) On adjoining property by hedges and removable wooden or wire fences belonging to

the subject property. (iv) By garages or improvements, other than those which are attached to or a portion of

the main dwelling structure, over easements for public utilities, provided such encroachment does not interfere with the use of the easement or the exercise of the rights of repair and maintenance in connection therewith.

VA Loans: This exception not acceptable unless written waiver obtained from VA prior to closing).

5.1 Standard ALTA endorsements as shown below must be issued as applicable.

ALTA Endorsement Form 1 Street Assessments Form 2 Truth-in-Lending Form 3 Zoning Form 3.1 Zoning – Completed Structure Form 4 Condominium Form 4.1 Condominium Form 5 Planned Unit Development Form 5.1 Planned Unit Development Form 6 Variable Rate Mortgage Form 6.1 Variable Rate Mortgage – Regulations Form 6.2 Variable Rate Mortgage – Negative Amortization Form 7 Manufactured Housing Unit Form 8.1 Environmental Protection Form 9 Restrictions, Encroachments, Minerals Form 9.1 Restrictions, Encroachments, Minerals – Owners

Policy Unimproved Land Form 9.2 Restrictions, Encroachments, Minerals – Owners

Policy Improved Land


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Form 10 Assignment Form 10.1 Assignment and Date Down Form 11 Mortgage Modification Form 12 Aggregation Form 13 Leasehold-Owners Form 13.1 Leasehold-Loan Form 14 Future Advance Form 14.1 Future Advance–Knowledge Form 14.2 Future Advance–Letter of Credit Form 15 Nonimputation–Full Equity Transfer Form 15.1 Nonimputation–Additional Insured Form 15.2 Nonimputation–Partial Equity Transfer Form 16 Mezzanine Financing Form 17 Access and Entry Form 17.1 Indirect Access and Entry Proposed Form 18 Single Tax Parcel Form 18.1 Multiple Tax Parcel Form 19 Contiguity–Multiple Parcels Form 19.1 Contiguity–Single Parcel ALTA Construction Loan

Endorsements A, B, C, D Form JR-1 Junior Lien Form JR-2 Revolving Credit/Variable Rate

State-specific endorsements must be issued where required. An exception for rights of tenants in possession or rights of tenants under unrecorded or recorded leases is unacceptable except as follows: (a) Remaining term of lease is less than twelve (12) months and Title Policy so states. (b) The rights of tenants under unrecorded or recorded leases must be fully subordinated to

Lender’s security instrument. (c) The title policy must affirmatively insure the priority of our lien over the rights of

tenants under leases (the title company will require evidence of subordination for this coverage).

(d) If leases are not already in existence, delay consummation thereof until after execution and

recordation of the Security instrument. The Settlement Agent must determine prior to loan closing that these requirements are met in order to prevent the Lender from entering into a transaction that will deprive the Lender of what has been bargained for, and render a loan unsalable. If the Settlement Agent is unable to comply with these requirements, notify Lender’s Closing Department. DO NOT close the loan. If the policy will contain an exception for oil, water, mineral or other subsurface rights, the policy must affirmatively insure that the exercise of such rights will not result in damage to the property or impairment of the use of the property for residential purposes. In addition, a certification as follows will be required from the Settlement Agent: “The known facts do not import exercise, or impending exercise, of such outstanding rights in such a manner as to materially alter the contour of the mortgaged property or impair its value or usefulness for its intended purposes, and generally that such outstanding rights are similar to those customarily acceptable to prudent lending institutions, informed buyers, and lending attorneys in the community.”


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5.2 The following language (or similar language having the same meaning) must appear in every

binder and final policy:

“THIS POLICY/BINDER SPECIFICALLY GUARANTEES THAT ANY PAST, PRESENT OR FUTURE VIOLATION OF THE RESTRICTIONS, COVENANTS, BUILDING SETBACK LINES, EASEMENT AREAS, WIDENING STRIPS, PARTITION WALLS OR OTHER LIMITATIONS AND RESTRICTIONS WILL NOT WORK A FORFEITURE OR REVERSION OF THE TITLE OR RESULT IN A LIEN OR CHARGE SUPERIOR TO THE INTEREST OF THE MORTGAGEE TO BE INSURED HEREIN, AND THAT THE SAME HAVE NOT BEEN VIOLATED AS OF THE DATE OF THIS POLICY/BINDER.”

6. SURVEY REQUIREMENTS. A survey will not be required provided the title company will issue a title policy without any exceptions related to survey matters and an ALTA 9 or its equivalent is obtained and the investor does not require a current survey. If a survey is required, it must adhere to the following guidelines. Exceptions to these guidelines must be approved by the Lender prior to closing. If a survey is required, the following survey requirements must be met:

6.1 Survey must be no more than 180 days old as of the date of closing. 6.2 If new construction, the survey must show the improvements 100% complete. 6.3 Survey must show the location of buildings, driveways, fences, easements, encroachments,

setback lines, beginning point, relation to adjacent properties and street intersections, north point, surveyor's original seal, lot and block number, recorded map information and indicate where property abuts public street with permanent access.

6.4 Survey must contain certification by surveyor as to whether property is located in a flood hazard

area. If survey indicates flood insurance is required, refer to paragraph on Flood Insurance Requirements. If survey does not contain certification as to flood insurance, a separate certification must be furnished from the surveyor.

6.5 If the survey shows a discrepancy from the property description of more than 2% in the front lot

line or 5% in any other lot line, or a change in the description from that appearing in the Supplemental Closing Instructions, you should obtain the Lender’s approval prior to closing.

6.6 The Survey must show the name of the Borrower. 6.7 SunTrust will obtain from the investor any necessary waivers. However, SunTrust request that

you send us a plat and if possible, a copy of the preliminary report, well in advance of closing if you anticipate the need for a waiver.

If subject property is located in Florida, the following additional survey requirements must be met: (i) The survey must be made by a Florida Registered Professional Land Surveyor. (ii) The survey must contain a certificate of the surveyor indicating that the survey meets the

minimum technical standards set forth by the Florida Board of Land Surveyors and is signed and dated. If the date is not a recent date, the drawing of the survey should be recertified to a recent date. The seal of the surveyor must be affixed as required by Sec. 472.025, F.S.

(iii) The survey must contain an adequate and accurate legal description which agrees with that in the deed or mortgage. The drawing of that survey ties into a legally established point of beginning such as a section or quarter-corner.


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6.8 For Condominium Loans, a copy of the recorded map showing the location of the unit is required in lieu of a Survey.

7. HAZARD INSURANCE REQUIREMENTS. It is the responsibility of the Settlement Agent to determine that coverage, as specified, is in force on or prior to the date of closing. Original Homeowner’s Policy or Statement of Coverage for amount indicated in Supplemental Closing Instructions is required with a paid receipt for first year’s premium. Except when required by the investor, binders are acceptable. (Note: If the property is located in the state of New York, state law requires the acceptance of binders.) Minimum coverage is fire and extended coverage. The insuring company must have an Alfred M. Best rating of Class III or better and be acceptable to Lender. Maximum deductible is the greater of $1,000.00 or 1.00% of the loan amount. Names of insured and address of property are to be identical to closing papers. Ten (10) days written notice to mortgagee in the event of cancellation must be provided.

Coverage Amount: The insurance coverage must be at least equal to the lesser of:

100% of the insurable value of the improvements (as established by the property insurer) with replacement cost coverage; or

The unpaid principle balance of the mortgage (includes 1st and 2nd mortgage balances when a

SunTrust Combo or Home Equity Line transaction is involved) required to compensate for damage or loss on a replacement cost basis. If it does not then coverage that does provide the minimum required amount must be obtained.

Mortgagee Clause: The Mortgagee clause must read: “SunTrust Mortgage, Inc., ISAOA/ATIMA, P.O. Box 47047, Atlanta, GA 30362”. Two separate mortgagee clauses are required for the first and second mortgage in a SunTrust Combo transaction.

8. PUDS. In addition to the hazard insurance on the living unit required in the Supplemental Closing Instructions, the Settlement Agent must verify that we have received, prior to closing, evidence that the Owners Association has secured adequate coverage of hazard and liability on the common areas, and fidelity insurance on the Owners Association.

Condominiums: If a copy of the policies has not been received, a copy must be forwarded with the closing documents. Before closing the loan, the Settlement Agent must verify that the following coverage exists: (a) A “Master” or “Blanket” policy of property insurance equal to full replacement value of the

condominium project affording coverage for loss or damage by fire and other hazards. (b) A comprehensive policy of public liability insurance covering all of the common areas and

commercial spaces in the condominium project. (c) Adequate fidelity coverage on the Owners Association to protect against dishonest acts by its

officers, directors, trustees, employees and all others who are responsible for handling funds of the Association.

(d) The insured must be the Owners Association of the condominium project, on behalf of the owners

of the condominium unit and their mortgagees. (e) The Lender requires that the Settlement Agent provide a Certificate of Insurance or Memorandum

from the insurance carrier as to the unit in the condominium, and evidence the Lender is a named mortgagee.


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9. FLOOD INSURANCE. Federal flood legislation specifies that lenders must require flood insurance on properties located in Special Flood Hazard Areas (A,V Z) once such areas have been identified and coverage is available through community participation in the program. Compliance with this legislation is very important. Please call the Closing Coordinator if you have any questions.

Where a survey is applicable, the Survey Requirements specify that surveyors are to furnish, either on or with the survey, a certification indicating whether or not the property is in a flood hazard area. If flood insurance is not required in the Supplemental Closing Instructions and the Surveyor indicates property is in a flood hazard area, contact the Closing Coordinator for further instructions prior to closing. Where flood insurance is required, names, address of property, and loss payable should be the same as in hazard insurance policy and closing documents. The following should be included with closing documents: (a) A copy of Application for Flood Insurance with an effective date on or prior to the date of closing

or original Flood Insurance Policy. (On condominium loans, a “blanket” policy of flood insurance in the name of the Owners Association and designated trustee must be provided with closing documents.)

(b) Receipt indicating payment of first annual premium. (c) If original policy is not enclosed, certification by Flood Insurance Agent that original policy, when

issued, will be forwarded. (d) Refinance cases (no transfer of title): If property is located in Special Flood Hazard Area and the

property is not already covered, there will be a five-day waiting period from the date of application for insurance before coverage will be in effect. Loan closing should not occur until flood insurance is in effect.

Coverage Amount: The insurance coverage must be at least equal to the lesser of:

The minimum amount required, under the terms of coverage, to compensate for any damage or loss on a replacement cost basis; or

The unpaid principle balance of the mortgage (includes 1st and 2nd mortgage balances when a SunTrust Combo or Home Equity Line transaction is involved) if replacement cost coverage is not available for the type of building insured: or

The maximum insurance available under the appropriate National Flood Insurance Program, which is currently either $250,000 or $35,000 depending on community status.

10. TRUTH-IN-LENDING. All closings are subject to compliance with the Truth-in-Lending Act and Regulation Z, as amended. The Settlement Agent is expected to be familiar with Regulation Z so they may discuss the disclosure with Borrowers if necessary. As required under the Truth-in-Lending Act and Regulation Z, a Disclosure Statement with estimates has been delivered to the Borrower(s) within three (3) days of loan application. It is the Lender’s practice to make a new Truth-in-Lending Disclosure Statement at closing, based on exact figures. If the closing will take place on a day other than that set forth in the Truth-in-Lending Disclosure Statement, call the Closing Coordinator for correct figures and information. Prior to consummation, a copy of the Truth-in-Lending Disclosure Statement must be provided to the Borrower(s) for keeping by the Borrower(s). The completed Truth-in-Lending Disclosure Statement must be signed by the Borrower(s) at closing prior to the execution of any of the other documents. The Borrower(s) must be given a copy of this Disclosure Statement. Contact the Closing Department if any portion of the Truth-in-Lending Disclosure Statement appears to be inaccurate.

11. RIGHT OF RESCISSION: When a loan is closed to refinance a lien on the Borrower’s primary residence, the Borrower and any titleholder has the right to rescind the transaction until midnight of the third


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business day following the signing of all closing documents. The Settlement Agent is not authorized to accept a rescission on behalf of the Lender, unless required by state law.

Three (3) business days prior to disbursement of the loan, the Settlement Agent shall give a completed copy of the security instrument and two (2) copies of the NOTICE OF RIGHT TO CANCEL and a copy of the Truth In Lending Disclosure to each obligor (and each person holding an ownership interest in the property subject to the security interest). If an Election Not to Cancel or Rescind was provided, it must be signed and dated by each obligor after three (3) business days have elapsed, then the disbursement of the loan may be completed. The Notice of Right of Rescission forms containing the executed Election Not to Cancel or Rescind must be forwarded to the Lender with the other closing documents. Do not disburse loan proceeds until you have confirmed that the borrower, nor any party having an ownership interest in the property, has attempted to rescind. The rescission period may not be waived unless approved in writing by the Lender. If any of the Signatories elect to rescind the transaction, do not disburse funds. Take no further action except to immediately notify the Lender and return loan proceeds. Right of Rescission forms, where applicable, should be completed, executed, and enclosed with the loan document package.

12. TERMITE INSPECTION REPORTS. If a Wood Destroying Insect/Termite Report is required, it is the Settlement Agent’s responsibility to send the Termite Report to the Closing Coordinator for review prior to closing the loan. Any infestation indicated on the report must be treated; any damage must be evaluated by a licensed building expert and all recommended repairs completed prior to closing. Requirements by VA and FHA will vary from state to state. On VA loans, the veteran must sign the report accepting and acknowledging receipt of the Termite Report. On newly completed construction, Soil Treatment Guarantee is required of FHA, VA, and Conventional loans. The forms must be completed in detail and signed by the builder and applicator (exterminator). These forms may not be altered in any way. The originals must be forwarded to the Lender. 13. HUD-1 SETTLEMENT STATEMENT. Settlement Agent will furnish one certified copy of the HUD-1 Settlement Statement with original signatures by Borrower, Seller and Settlement Agent.

13.1 REVIEW OF COMPLETED HUD1. A copy of FINAL HUD-1 must be faxed to our office at least 24 hours prior to closing for review Once approved the HUD-1 figures cannot be changed without the approval of SunTrust.

13.2 The HUD-1 or HUD-1A Settlement Statement forms promulgated by the U.S. Department of

Housing and Urban Development with a certification that it reflects an accurate statement of all receipts and disbursements must be used in all transactions. For a loan with no Seller, use the HUD-1A Settlement Statement form.

13.3 The HUD-1 or HUD-1A Settlement Statement must be typed. The type of loan, general file

number, loan or process number, and mortgagee insurance case number, if applicable, must be indicated. The correct name and address, including street, city, county, state, and zip code must be shown for Borrower, Seller, Lender and Settlement Agent. The settlement date must be the date that the security instrument/deed of trust becomes effective as between the Borrower and the Lender. The date funding is authorized by the Lender must also be shown.

13.4 Recording fees must itemize the charges for each instrument being recorded. Property taxes must

be broken down for each taxing authority paid. If taxes are assessed at an unimproved and improved rate during the tax year, indicate on the HUD-1 Settlement Statement the charges as follows: “Unimproved taxes for months at $ ; and improved taxes for months at $ .”


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13.5 All settlement charges listed on page 2 of the HUD-1 Settlement Statement must show the party to whom the charge is paid. All POCs (Paid Outside of Closing items) must be shown on the HUD-1 Settlement Statement. Unless indicated otherwise in the Supplemental Closing Instructions, collect per diem interest from the date of funding authorization (not the date of execution of the documents) up to and including the end of the month in which the loan closed. Do not collect per diem interest for the first day of the month following the closing. Interest charges must be accurately reflected in the HUD-1 Settlement Statement. If necessary, amend and initial the statement to reflect the correct funding date, interest amount due, and totals.

13.6 The Settlement Agent responsible for closing the transaction must furnish a Form 1099 reporting the gross proceeds of the sale and any other necessary information to the appropriate Internal Revenue Service Center. The Lender will not report the transaction for the Settlement Agent.

14. ESCROW FOR COMPLETION. No loan may close with funds escrowed for completion unless prior approval is given. If approved, escrowed funds must be held by the Settlement Agent, who will act as escrow agent. Requirements for escrow documentation will vary based on the type of loan. 15. VA LOANS. In addition to other closing requirements, the following will apply on VA loans:

Vesting of Title: The title encumbered with a VA loan must be vested in the name of the veteran or the veteran and spouse. If title is vested in any other manner, approval must be given by The Department of Veteran Affairs and the Closing Coordinator prior to closing. VA Form 26-1820 (Report and Certification of Loan Disbursement): This form will be required on each VA loan. The form must be completed accurately and signed by the veteran and the Lender or an officer of the Settlement Agent’s firm. Be sure all blanks are filled in.

16. FHA LOANS. In addition to other closing requirements, the following will apply on FHA loans:

16.1 The borrower’s must, from their own funs, make the required earnest money deposit, pay closing costs and make the necessary down payment required by FHA, unless otherwise noted in the supplemental closing instructions. If you have actual knowledge that the source of such funds is other than from the borrower or as specified in the Supplemental Closing Instructions do not close this loan immediately contact the closing coordinator

16.2 FHA Refinance with MIP Credits on HUD-1 Settlement Statement. The new upfront MIP and refund credit are to be shown on the HUD-1 Settlement statement as follows: Page One – show the amount of the FHA UFMIP Refund Credit (up to the amount of the new Upfront MIP) in the 200 series. Page Two – show the full amount of the new UFMIP on line 904. Do not reference any refund overage on the HUD-1. FHA Firm Commitment (FHA Form 92900-A): The mortgagors must read and sign both copies in the space provided under the Borrower’s Certificate. Care should be taken to insure that the appropriate blocks and blanks have been completed prior to signing. All parties signing the note and/or taking title must sign. Names and initials of signers must be the same as shown at top of the commitment and other closing documents. No loan should close after the expiration date of commitment. Any contingencies included in the commitment must be complied with prior to closing. Both copies of signed commitment must be returned with closing documents. NOTICE ON FHA LOANS: IF USING YOUR HUD-1 RATHER THAN THE ONE PREPARED AND SENT WITH THIS CLOSING PACKAGE, BE SURE THE FOLLOWING LANGUAGE IS INCLUDED ON THE LAST PAGE: Application for Commitment for Insurance Under the National Housing Act


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I have carefully read the HUD-1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction. I further certify that I have received a copy of the HUD-1 Settlement Statement.

Example Only, Do Not Sign Example Only, Do Not Sign Borrower Seller

The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction. I have caused or will cause the funds to be disbursed in accordance with this statement.

Example Only, Do Not Sign Settlement Agent Date

Applicable to FHA Insured and VA Guaranteed Loans: WARNING: It is a crime to knowingly make false statements to the United States on this or any other similar form. Penalties upon conviction can include a fine or imprisonment. For details see Title 18 U.S. Code Section 1001 and Section 1010.

17. POWER OF ATTORNEY. No loan should close through power of attorney unless prior written approval is obtained from the Lender, since some investors will not purchase loans closed on this basis. If your jurisdiction requires the acceptance of a power of attorney, contact the Closing Coordinator. If the use of power of attorney is approved, the following minimum requirements (plus any additional requirements necessary to satisfy investors, FHA and VA) must be met:

(a) Title Policy must contain affirmative coverage as to the enforceability of the security instrument and the authority of the attorney-in-fact.

(b) The power of attorney must be recorded prior to the recording of the security instrument and a

copy of the recorded form must be forwarded with closing documents. (If a recorded copy is not available, a copy of the executed instrument and recorder’s receipt will be acceptable.)

(c) The power of attorney form should grant the authority to purchase, execute a note, and encumber

real estate, naming the specific property. On a VA loan, if the veteran is granting authority, it must give the power to use the veteran’s VA entitlement. It must be valid at closing.

(d) The closing attorney must provide the Closing Coordinator with evidence that Borrower is alive as

of date of closing. Example: On a VA loan, if veteran is in service, a letter from his commanding officer or telegram or letter from Borrower dated on or after closing date confirming veteran is alive.

(e) All closing documents must be signed by the attorney-in-fact. (f) All requirements of state law concerning the form, execution, and acknowledgment of powers of

attorney, must be complied with. For North Carolina loans, the power of attorney must be executed under seal.

(g) In her or his own handwriting, the attorney-in-fact should sign the exact wording as printed below the signature line. See example below.

Please use the following language for signature lines and acknowledgment paragraphs for individuals using a power of attorney: (When Jane Smith has power of attorney for John Doe)


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Example Only, Do Not Sign

John Doe, by and through his agent and attorney-in-fact, Jane Smith This instrument was acknowledged before me on the day of , , by JANE SMITH AS ATTORNEY-IN-FACT ON BEHALF OF JOHN DOE. The Settlement Agent must make certain that the person acting as attorney-in-fact signs “John Doe, by and through his/her agent and attorney-in-fact, Jane Smith.”

18. EXECUTION OF DOCUMENTS.

18.1 Settlement Agent must verify by pictorial identification the identity of all the parties (as more fully described in Section 1).

18.2 All documents and riders must be signed exactly as the name is typed. Do not make any deletions,

amendments, erasures, strikeouts, or additions to the documents without Lender’s approval. If possible, a deletion should be made by marking one line through the language to be deleted. If approved, said deletions, amendments, erasures, additions and/or strikeouts must be initialed by all parties required to sign that document. Pages of the note and deed of trust which do not contain an original signature must be initialed by the Borrowers. Obtain the initials of an appropriate party on all other documents indicating a place for party initialing. Do not allow the Borrower to sign any documents containing blanks.

18.3 Acknowledgments should be dated on or after the date of document execution. Documents must

not be signed or notarized prior to the date of the documents, except in those cases that must close by mail. All documents must be signed and the transaction otherwise closed and funded prior to the “Document Expiration Date” indicated on the first page of the Supplemental Closing Instructions. All notarized documents must bear the seal, expiration date and printed name of the notary, and be signed by the notary, in accordance with applicable law.

18.4 If a UCC-1 Financing Statement is included in the document package, it must be filed according to

Uniform Commercial Code revised Article 9.

Settlement Agent must properly file the documents requested by Lender to be recorded, and obtain from Borrower and/or Seller the required filing fees. Any deed used in this transaction must be returned to the Borrower. Powers of attorney, the deed of trust, and any assignment of lien must be returned after recording to Lender or the party indicated by Lender.

19. MINORS. If any or all of the parties to the loan are minors as defined by the laws of the state in which the subject property is located, the loan cannot close unless we have the closing attorney’s certification that all parties to the loan are bound by the documents they execute as if they had reached their majority, and the title insurance obtained affirmatively insures same. 20. SIGNING WITH MARK. If it is necessary for Borrower to sign with his/her mark, the signatures of two witnesses (with names of witnesses typed under signatures) will be required. 21. SECONDARY FINANCING. All subordinate liens and all Subordination Agreements must be approved by the closing coordinator prior to closing. At the minimum the agreement must include a description of the lien being subordinated, description of first mortgage and language specifically subordinating the current lien. Secondary financing may be contrary to the approval of the loan by the VA, FHA and/or investor.


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22. HOUSING AUTHORITY LOANS. Housing Authorities have been established in a number of states to purchase low interest rate loans to persons meeting certain criteria. Because of the low interest yield and limited time in which the Lender has to deliver the loans to an Authority, it is mandatory that these loans are closed accurately as they cannot generally be sold elsewhere without substantial loss. Unlike normal FHA and VA loans, these cases may not qualify if Borrower’s incomes exceed a certain amount or if composition of household changes between the time of filing application and loan closing. If the Settlement Agent has reason to believe any such change in income or household composition has occurred since Borrower filed application for the loan, notify the Lender prior to closing so that the Lender may determine if the loan will be eligible for delivery to the Authority. (As an example, a single applicant may apply for a loan and, prior to closing, marry a person with income in an amount that could make the loan ineligible for delivery to the Authority.) 23. FUNDING AND DISBURSEMENT. After a satisfactory review, the loan will be funded pursuant to the procedure stated in the Supplemental Closing Instructions. The completed closing package is due in Lender’s office on the business day indicated in the Supplemental Closing Instructions.

Forward a check to Lender in an amount equal to the sum of all Lender fees and escrows which have not/or will not be deducted from Lender’s funds, including the indicated monthly escrows and interest adjustment, less any refund items referenced. Indicate the amounts used for monthly prorations. Also, itemize the amounts being remitted to Lender on the check being sent to Lender or by separate letter. Directly pay all other items according to the Supplemental Closing Instructions and invoice(s). If the recordable documents have not been recorded within 72 hours of disbursement of funds to you, or you are aware that the loan will not fund within 72 hours of disbursement of loan proceeds, you are responsible for contacting the Lender and returning the loan proceeds. You will be responsible for daily interest on these proceeds from the date of disbursement. THERE IS TO BE NO EXPENSE TO LENDER IN CONNECTION WITH THIS TRANSACTION, UNLESS SPECIFICALLY AUTHORIZED BY THE LENDER. THE LENDER RESERVES THE RIGHT TO CANCEL OR MODIFY THESE INSTRUCTIONS AT ANY TIME WITH WRITTEN NOTICE TO SETTLEMENT AGENT. IF YOU ARE UNABLE TO CLOSE AND FUND THE LOAN AS SPECIFIED, CONTACT THE LENDER IMMEDIATELY.

Supplemental Closing Instructions (Retail) Proprietary W0211 Page 1 of 13 59468MU10 12/09 Rev. 11/12

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To: Settlement Agent: Closing Contact:EQUITY NATIONAL SUNTRUST MORTGAGE, INC. 50 JORDAN STREET 31 INWOOD ROAD EAST PROVIDENCE, RI 2914 ROCKY HILL, CT 06067 Attn: JENNIFER COTE Attn: RUTH RIVERA Telephone No.: 888-434-5500 Telephone No.: 111-111-1111 Fax No.: 401-709-8004 Fax No.: GF No./Escrow No.: Process No./Loan No.: 0220551709 Loan Officer: JOHN COOPER

SUPPLEMENTAL CLOSING INSTRUCTIONS

Prepare and close this loan in accordance with the requirements as set forth in the Master Closing Instructions and these Supplemental Closing Instructions. In the event the Master and Supplemental Closing Instructions conflict, the Supplemental Closing Instructions will control. These Closing Instructions will expire on the Document Expiration Date or the Interest Rate Expiration Date, whichever occurs first. In the event this loan does not close by the first occurring date, or if the loan documentation does not conform to the information stated herein, do not close the loan. Contact the Closing Coordinator.

SECTION I: LOAN INFORMATION

Closing Date: May 25, 2013 Date Sent to Attorney: May 23, 2013 Document Expiration Date: August 11, 2013 Interest Rate Expiration Date: June 3, 2013 Borrower(s): TODD M HESSELTINE Seller(s): N/A Property Address: 2329 W 20TH ST, GREELEY, CO 80634 Mailing Address: 2329 W 20TH ST, GREELEY, CO 80634 Legal Description: SEE ATTACHED SCHEDULE A Property County: WELD Term/Months Amortized: 300 / 300 Loan Type: 30YR RELIEF REFI-SAME SERVICE Initial Interest Rate: 3.875% Loan Amount: $160,465.00 Initial Payment Amount (excluding impounds): $835.96 Loan Purpose: Refinance Sales Price: N/A Margin: N/A Down Payment: N/A Current Index: N/A FHA/VA Case No.: N/A Interest Rate Caps: N/A Secondary Lien Amount: N/A First Payment Date: July 1, 2013 Occupancy: Owner Occupied, Primary Final Payment Date: June 1, 2038 WITHIN 24 HOURS OF LOAN DISBURSEMENT YOU MUST FORWARD THE COMPLETED LOAN PACKAGE TO: SUNTRUST MORTGAGE, INC., 1001 SEMMES AVENUE, RICHMOND, VA 23224 - RVW 5023 FORWARD THE FINAL TITLE POLICY, RECORDED SECURITY INSTRUMENT, THE RECORDED SUBORDINATION AGREEMENT (IF APPLICABLE) AND OTHER FINAL


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DOCUMENTS TO SUNTRUST MORTGAGE, INC., 1001 SEMMES AVENUE, RVW 5023, RICHMOND, VA 23224

SECTION II: LOAN FEES AND ESCROWS A. Net Funding Amount. The following fees have been indicated as “deducted”. The term “deducted” means that the fee has

been subtracted from the Lender’s funds.

ORIGINATION FEE:Netted* $1,604.65 DISCOUNT:Netted -$1,843.74 LOL FLOOD CERT (Paid to CORELOGIC):Netted $6.00 PROCESSING FEE (Paid to SUNTRUST MORTGAGE):Netted* $425.00 PER DIEM INTEREST (Paid to SUNTRUST MORTGAGE):Netted $17.04 TAX SERVICE FEE (Paid to VALUTREE):Netted $83.00 *Included in our origination charges

Sub-Total of Items Netted: $1,522.71 Amount of Estimated Net Funding: $158,942.29

LISTING OF LENDER/BROKER AND/OR SELLER PAID FEES/CREDITS Please apply Zero Tolerance Cure to HUD 204 and 10% Tolerance Cure to HUD 205 on Page 1 of the HUD-1, as well as appropriate comparison sections on page 3.

HUD # Fee Description Paid By Amount

*Included in our origination charges


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This Pro Forma HUD-1 is provided by Lender to facilitate the completion of applicable portions of the HUD-1 Settlement Statement. The information contained in this Pro Forma HUD-1 regarding the contents of the Good Faith Estimate (GFE) concerns the applicable GFE at the time the Pro Forma HUD-1 was issued. If this Pro Forma HUD-1 contains instructions contrary to any other instruction of Lender, Settlement Agent should cease further processing and seek further consistent instructions. Settlement Agents are expected to be familiar with the Real Estate Settlement Procedures Act (RESPA) and Regulation X, as amended, so they may discuss the disclosures required therein with Borrowers if necessary. Settlement Agents are expected to be familiar with the fee tolerances permitted by Regulation X. IF SETTLEMENT AGENT IS UNABLE TO CLOSE AND FUND THE LOAN AS SPECIFIED, CONTACT THE LENDER IMMEDIATELY.

Pro Forma HUD-1 J. Summary of Borrower’s Transaction K. Summary of Seller’s Transaction

100. Gross Amount Due From Borrower 400. Gross Amount Due To Seller 101. Contract sales price 401. Contract sales price 102. Personal property 402. Personal property 103. Settlement charges to Borrower (line 1400) $4,026.27 403. 104. 404. 105. 405. Adjustments for items paid by seller in advance Adjustments for items paid by seller in advance106. City/town taxes to 406. City/town taxes to 107. County taxes to 407. County taxes to 108. Assessments to 408. Assessments to 109. 409. 110. 410. 111. 411. 112. 412.

120. Gross Amount Due from Borrower $4,026.27 420. Gross Amount Due To Seller 200. Amounts Paid by or in Behalf of Borrower 500. Reductions In Amount Due To Seller201. Deposit or earnest money 501. Excess deposit (see instructions) 202. Principal amount of new loan(s) $160,465.00 502. Settlement charges to Seller (line 1400) 203. Existing loan(s) taken subject to 503. Existing loan(s) taken subject to 204. 504. Payoff of first mortgage loan to 205. 505. Payoff of second mortgage loan to 206. 506. 207. 507. 208. Origination Charges - Paid Outside of Closing

$200.00 508.

APPLICATION FEE* $200.00 209. 509. Adjustment for items unpaid by seller Adjustment for items unpaid by Seller 210. City/town taxes to 510. City/town taxes to 211. County taxes to 511. County taxes to 212. Assessments to 512. Assessments to 213. 513. 214. 514. 215. 515. 216. 516. 217. 517. 218. 518.


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219. 519.

220. Total Paid by/for Borrower $160,665.00 520. Total Reduction Amount Due Seller 300. Cash At Settlement from/to Borrower 600. Cash At Settlement to/from Seller 301. Gross amount due from borrower (line 120) $4,026.27 601. Gross amount due to Seller (line 420)

302. Less amounts paid by/for borrower (line 220) ($160,665.00)602. Less reductions in amount due Seller (line 520)

( )

303. Cash From To Borrower: $156,638.73 603. Cash To From Seller:

L. Settlement Charges 700. Total Real Estate Broker Fees Paid From

Borrower’s Funds at Settlement

Paid From Seller’s Funds at Settlement

Division of commission (line 700) as follows: 701. $ to 702. $ to 703. Commission paid at settlement 704. 800. Items Payable In Connection With Loan 801. Our origination charge (Includes Origination Point 0.000% or ) $2,229.65 (from GFE #1) 802. Your credit or charge (points) from the specific interest rate chosen (Includes Aggregate Discount Point % or $ ) -$1,843.74 (from GFE #2) 803 Your adjusted origination charges (from GFE A) $385.91 804. Appraisal fee to (from GFE #3) 805. Credit report to EQUIFAX (POC: Borrower $12.50) (from GFE #3) 806. Tax service to (from GFE #3) 807. Flood certification CORELOGIC (from GFE #3) $6.00 808. 900. Items Required By Lender To Be Paid In Advance 901. Daily interest charges from 05/31/2013 to 06/01/2013 @ $17.04/day (from GFE #10) $17.04 902. Mortgage insurance premium for months to (from GFE #3) 903. Homeowner’s insurance for year(s) to (from GFE #11) 904. 1000. Reserves Deposited With Lender 1001. Initial deposit for your escrow account (from GFE #9) $1,230.76 1002. Homeowner’s insurance 12months @ $ 102.56 per month $1,230.72 1003. Mortgage insurance 0months @ $ 128.37 per month 1004. Property taxes months @ $ per month 1005. COUNTY PROPERTY TAXES 8months @ $ 82.20 per month $657.60 1006. months @ $ per month 1007. Aggregate Accounting Adjustment -$657.56 1100. Title Charges: 1101. Title services and lender’s title insurance (from GFE #4) $1,515.00 1102. Settlement or closing fee $795.00 1103. Owner’s title insurance (from GFE #5) 1104. Lender’s title insurance $600.00 1105. Lender’s title policy limit $160,465.00 1106. Owner’s title policy limit 1107. Agent’s portion of the total title insurance premium 1108. Underwriter’s portion of the total title insurance premium


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1200. Government Recording And Transfer Charges 1201. Government recording charges (from GFE #7) $131.00 1202. Deed $ ; Mortgage $ ; Releases $ 1203. Transfer taxes (from GFE #8) 1204. City/county tax stamps:

Deed $ ; Mortgage $

1205. State tax/stamps:

Deed $ ; Mortgage $ 1206. 1300. Additional Settlement Charges 1301. Required services that you can shop for (from GFE #6) $83.00 1302. 1303. 1304. 1305. 1310. OTHER NON-GFE FEES $657.56 1315. TAX SERVICE FEE to VALUTREE $83.00

1400. Total Settlement Charges (enter on lines 103, Section J and 502, Section K) $4,026.27

Comparison of Good Faith Estimate (GFE) and HUD-1 Charges Good Faith

Estimate HUD-1 Charges that Cannot Increase HUD-1 Line Number Our Origination Charge # 801 $2,229.65 $2,229.65Your Credit or Charge (points) for the specific interest rate # 802 -$1,843.74 -$1,843.74Your adjusted origination charges # 803 $385.91 $385.91Transfer taxes #1203 $0.00 $0.00

Charges That in Total Cannot Increase More than 10% Good Faith

Estimate HUD-1 Government recording charges # 1201 $131.00 $131.00CREDIT REPORT to EQUIFAX # 805 $12.50 $12.50LOL FLOOD CERT to CORELOGIC # 807 $6.00 $6.00Title Services and Lender's Title Insurance # 1101 $1,515.00 $1,515.00TAX SERVICE FEE to VALUTREE # 1315 $83.00 $83.00 Total $1,747.50 $1,747.50

Increase between GFE and HUD-1 Charges $0.00 or 0.000%

Charges That Can Change Good Faith

Estimate HUD-1 Initial deposit for your escrow account # 1001 $1,888.32 $1,230.76Daily interest charges # 901 $17.0400/day -$494.16 $17.04Homeowner’s insurance # 903 $0.00 $0.00OTHER NON-GFE FEES # 1310 $0.00 $657.56


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Loan Terms Your initial loan amount is $160,465.00 Your loan term is 25 years Your initial interest rate is 3.875% Your initial monthly amount owed for principal, interest, and any mortgage insurance is

$964.33 includes Principal Interest Mortgage Insurance

Can your interest rate rise? No. Yes, it can rise to a maximum of N/A%. The first change will be on N/A and can change again every N/A after N/A. Every change date, your interest rate can increase or decrease by N/A%. Over the life of the loan, your interest rate is guaranteed to never be lower than N/A% or higher than N/A%.

Even if you make payments on time, can your loan balance rise?

No. Yes, it can rise to a maximum of $N/A

Even if you make payments on time, can your monthly amount owed for principal, interest, and mortgage insurance rise?

No. Yes, the first increase can be on N/A and the monthly amount owed can rise to $N/A. The maximum it can ever rise is to $N/A.

Does your loan have a prepayment penalty? No. Yes, your maximum prepayment penalty is $N/A. Does your loan have a balloon payment? No. Yes, you have a balloon payment of $N/A due in N/A years on

N/A. Total monthly amount owed including escrow account payments

You do not have a monthly escrow payment for items, such as property taxes and homeowner’s insurance. You must pay these items directly yourself.

You have an additional monthly escrow payment of $184.76 that results in a total initial monthly amount owed of $1,149.09. This includes principal, interest, any mortgage insurance and any items checked below:

Property taxes Homeowner’s insurance COUNTY PROPERTY TAXES


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B. Construction/Perm Data If this loan is for a Construction Permanent produce, the following section will be completed. This section details the Construction Loan Holdback and Equity Funds due. The amount of estimated net funding in Section A. above will be adjusted by the Equity Funds due as detailed below.

Lot Cost House Lot Deposit Construction Cost Lot Advance at Closing Down Payment Builder Advance - Builder at Closing Total Deposit to Builder Construction Cost Construction Cost Down Payment Builder Down Payment Builder Advance - Builder at Closing Advance - Builder at Closing Total Deposit to Builder Total Deposit to Builder 1st Mortgage/Lot Lien Payoff Total Const Loan Holdback

Total Construction Costs Total Deposits Total Funds Due from Lender Net Funding Amount Equity Collected at Closing Funds to be Remitted to Lender

C. Interest and Escrow Fees. Interest. Unless otherwise specified in these Instructions, collect prepaid interest from Borrower(s) and remit by separate check to Lender.

Unless specified otherwise in the contract, all prepaid items, including interest, must be paid by the Borrower. Collect interest @ 17.0400 per day from date of funding (including funding date) to (but not including) the 1st day of the month prior to the first payment due date.


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Escrow Reserves. If an escrow account is to be established at closing, the maximum cushion the lender may require is 1/6 of the total annual disbursements using aggregate analysis accounting (RESPA, Regulation X).

Escrows will be collected once construction is completed, if applicable. Escrow reserves are waived. Escrow waiver must be executed at closing. Collect the following escrow reserves and show these amounts on the HUD-1 or HUD-1A Settlement Statement under

Section L. 1000. Initial Escrow Account Disclosure must be executed at closing. Reserves Deposited With Lender:

12 mos HAZARD INSURANCE @ $102.56 per month = $1,230.720 mos MORTGAGE INSURANCE @ $128.37 per month = $0.008 mos COUNTY PROPERTY TAXES @ $82.20 per month = $657.60 Aggregate Accounting Adjustment -$657.56Total Initial Escrow Deposit $1,230.76

Taxes must be paid through January 31, 2014. If taxes are due within 60 days of loan closing, you are instructed to pay the taxes and furnish this office with a paid receipt.

SECTION III: LOAN DOCUMENTS

Enclosed are the following documents regarding the loan referenced on page one of these Supplemental Closing Instructions. All papers must be signed as the legal documentation has been typed. If you have information that the typed names are incorrect, contact the lender immediately. Complete any necessary items and return these documents with the exception of the Master Closing Instructions to the Lender. If a Right of Rescission is included in this package, refer to the Truth-in-Lending section of the enclosed Master Closing Instructions regarding the Notice of Right to Cancel. SETTLEMENT AGENT IS REQUIRED TO ATTACH PROPERLY COMPLETED, EXECUTED, AND RECORDABLE ACKNOWLEDGMENTS TO APPLICABLE DOCUMENTS PRIOR TO RECORDING. NOTARY FORMS MUST BEAR THE STAMP/SEAL, EXPIRATION DATE, ACKNOWLEDGEMENT DATE, PRINTED NAME AND SIGNATURE OF THE NOTARY. IF THESE DOCUMENTS ARE TO BE EXECUTED IN A FOREIGN COUNTRY, ACKNOWLEDGEMENT REQUIREMENTS ESTABLISHED BY THE COUNTY RECORDER’S OFFICE IN WHICH THE PROPERTY IS LOCATED MUST BE MET. * Fraud Warning * Retail Master Closing Instructions * Retail Supplemental Closing Instructions * Origination Statement Itemizing Our Origination Charge, Title Services, and Credits * First Payment Information * URLA Residential Loan Application - 2009 * TIL (RESPA Transaction) * Explanation of TIL Act Disclosure Statement * Initial Escrow Account Disclosure Statement * PMI Disclosure - Owner Occupied - SFR Fixed * Amortization Schedule - Letter Length * Addendum to Hud-1 Settlement Statement * Servicing Disclosure Statement (RESPA) * Notice of Right to Cancel (H8)


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* FNMA/FHLMC Fixed Rate Note (3200) * Security Instrument Conventional (MERS) * Notice to Borrowers Additional Credit and Debt Not Disclosed * Notice About Appraisal of Your Property * Correction Agreement * Name Affidavit * Occupancy Affidavit * Request for Transcript of Tax Return (4506T) * Tax and Hazard Insurance Record (MU) * W-8/W-9 (All Borrowers) * Borrower's Authorization and Certification * Conventional Stacking Order * Hazard Insurance Binder Acknowledgement * Mortgage Guaranty Insurance Disclosure * Quick Answers to FAQs About Mortgages * Short Form Title Policy Ack. SunTrust Mtg, Inc. * The Suntrust Privacy Policy * Settlement Agent Flyer * Loan Package Last Page


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SECTION IV: CLOSING/FUNDING CONDITIONS READ ALL CLOSING INSTRUCTIONS THOROUGHLY PRIOR TO COMMENCING THE CLOSING AND CONTACT RUTH RIVERA IMMEDIATELY IF FOR ANY REASON YOU CANNOT COMPLY WITH ALL CLOSING INSTRUCTIONS PRIOR TO August 11, 2013 (Document Expiration Date or Interest Rate Expiration Date, whichever occurs first). If this cannot be accomplished, then specific written approval must be obtained from the Lender prior to closing. The Fraud Prevention section of the Master Closing Instructions must be reviewed by Settlement Agent prior to closing. All documents must be signed by the borrower in person. Obtain the proper identification. No closings are authorized using a power of attorney without prior written approval from the Lender.

SETTLEMENT AGENT IS NOT AUTHORIZED TO MAKE ANY CHANGES ON THE NOTE, SECURITY INSTRUMENT, TRUTH-IN-LENDING DISCLOSURE STATEMENT, OR ON ANY OTHER CLOSING DOCUMENTS. THE DOCUMENTS MUST BE REORDERED BY THE LENDER. SETTLEMENT AGENT IS REQUIRED TO ENSURE THAT THE RECORDING FEES SHOWN ON THE FINAL HUD-1 SETTLEMENT STATEMENT ARE CORRECT, ACCURATE AND COMPLIANT WITH APPLICABLE STATE LAW. SETTLEMENT AGENT MUST MAKE SURE ALL LIENS ARE RELEASED UNLESS THE LOAN SPECIFIC CONDITIONS INDICATE OTHERWISE SETTLEMENT AGENT MUST NOT FUND THE LOAN UNTIL AUTHORIZATION IS GIVEN BY SUNTRUST/CRESTAR THE FOLLOWING EXECUTED DOCUMENTS MUST BE FAXED TO THE CLOSER IN ORDER TO RECEIVE AUTHORIZATION TO RELEASE FUNDS: SIGNED BY THE BORROWER

* HUD 1 with all addendums and origination statement * Final TIL * Final 1003 * Application Addendum * Note * Signature page of security instrument plus riders * 4506 T’s * Right to Cancel if Applicable * Confirmation that borrowers do not want to rescind * Itemization of line 802 * Borrowers Authorization and Certification * Homeowers Insurance

SIGNED BY SETTLEMENT AGENT

* Acknowledgement of short form title policy * Confirmation of wiring instructions

* As the Settlement Agent for this transaction, you are required to send the Mortgage/Deed of Trust for recordation within 24 hours immediately after disbursement of the loan funds. * Settlement agent to ensure borrower fully executes, signs and dates the First Payment Information and Mailing Address Certification. * Borrower(s) must sign and date the Residential Loan Application (1003). Closer must approve any revisions and any corrections to be initialed by borrower(s). Return with closing documents.


*+0220551709+001C+11+13*

* The information transmitted to you by way of the enclosed loan documents includes elements of the borrower's nonpublic personal and financial information. All information about the borrower is to be regarded as STRICTLY PRIVATE and CONFIDENTIAL and is not to be further disseminated or disclosed under any circumstances. If you are unwilling or unable to safeguard the borrower's information, please immediately notify the Lender for instructions on the return of the closing document package. * Settlement Agent to have the Borrower complete Choose SurePay(SM) (ACH) for borrower's who wish to set-up auto draft service for monthly payments. BORROWER MUST COMPLETE ALL FIELDS AND SIGN FORM TO AUTHORIZE THE SET-UP OF THIS SERVICE. **DO NOT COMPLETE OR SIGN THIS FORM IF BORROWER DOES NOT WISH TO MAKE MONTHLY PAYMENTS USING THIS AUTO DRAFT SERVICE. * Settlement agent to ensure one fully executed, signed and dated First Payment Information and Mailing Address Cerficiation is returned with the closing package. Additional copies of this document to be provided to borrower. * Settlement Agent to Prepare and Fully Execute. Borrower's and Seller's HUD-1 Settlement Statement with Certification of Receipts and Disbursements. Remit three (3) signed certified copies and one (1) original. ---------------------------------------------------------------------------------------------------- 1. DATE ALL DOCUMENTS THE DAY OF CLOSING 2. ADD LEGAL DESCRIPTION TO DEED OF TRUST 3. NOTE 4. PAYOFF AND RELEASE LIENS FOR ALL BANK#1811 $154,737.01 AND ALL OTHER LIENS SHOWING ON TITLE VIA OUR HUD 5. EXTEND FULL AFFIRMATIVE SURVEY COVERAGE OVER ALL SURVEY RELATED TITLE ITEM. ISSUE ALTA 9 AND ALTA 8.1 6. NOTARY TO OBTAIN PROOF OF IDENTIFICATION PRIOR TO ALLOWING DOCUMENTS TO BE SIGNED. PROVIDE COPY OF BORROWER'S DRIVERS LICENCE FOR IDENTIFICATION 7. PROVIDE COPIES OF RECORDED EASEMENT & RESTRICTIONS AND A COPY OF THE RECORDED PLAT IS REQUIRED 8. STM TO HAVE CLEAR SCHEDULE B-1 W/NO OUTSTANDING EXCEPTIONS TO BE SHOWN ON THE FINAL TITLE POLICY 9. MAKE SURE STM IS IN FIRST LIEN POSITION 10. 1003 MUST BE SIGNED BY ALL THE PARTIES AT CLOSING 11. SIGNED SURVEY AFFIDAVIT PROVIDING NO IMPROVEMENTS HAVE BEEN MADE TO THE PROPERTY 12. BORROWER TO SIGN AND DATE 4506-T 13. REFIPLUS NO MORE $250 CASH BACK TO BORROWER 14. LINE 801 MUST STATE "INCLUDES ORIG FEE 1% $1604.65 15. FLOOD CERT NEEDS TO BE SIGNED AT CLOSING 16. COLLECT TAXES AT CLOSING $493.24 YOU ARE NOT AUTHORIZED TO CLOSE THIS LOAN WITH A POWER OF ATTORNEY. EACH PARTY WHO HAS AN OWNERSHIP INTEREST IN THE PROPERTY AND USES IT AS THEIR PRIMARY RESIDENCE MUST BE FURNISHED WITH TWO COPIES OF THE NOTICE OF YOUR RIGHT TO CANCEL AND THE TRUTH-IN-LENDING DISCLOSURE. YOU MUST OBTAIN THE SIGNATURES OF ALL APPLICABLE PARTIES ON THE NOTICE AND DISCLOSURE. DO NOT RECORD OR DISBURSE PRIOR TO MIDNIGHT OF 05/30/2013 YOU ARE NOT AUTHORIZED TO DEPOSIT THE SETTLEMENT PROCEEDS UNTIL THE DAY OF LOAN DISBURSEMENT WHICH IS 05/31/2013


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SECTION V: INSURANCE REQUIREMENTS An insured closing letter must be issued in the name of the Lender providing the funds. THE RECORDED SECURITY INSTRUMENT AND ANY RIDERS, MUST BE FORWARDED TO THE PARTY INDICATED ON THE SECURITY INSTRUMENT IF THEY ARE RETURNED TO YOU FROM THE RECORDING OFFICE.

Short Form Mortgagee Title Policy if available and requested by Lender.

Closing Agent to provide Alta 6.2 Endorsement to final title policy.

An original/signed Title Insurance Binder, Title Commitment or Mortgagee Policy in the amount of $160,465.00, indicating the Security Instrument will be a first lien subject only to the items stated in the Master Closing Instructions must be obtained. Return a corrected hard copy of the Title Commitment or Binder to Lender with loan documents. In addition to the requirements contained in the Master Closing Instructions, the Title Commitment or Binder must be amended as follows:

PARCEL NUMBER: R2324186 ISSUE ALTA 9 INSURED CLOSING LETTER REQUIRED SCHEUDLE A - CORRECT INSURED AMOUNT TO: $ 160465 SCHEDULE B - SECTION/PART I - COMPLY WITH ALL REQUIREMENTS ITEMS TO DELETE FROM TITLE POLICY: ISSUE ALTA 9 CURRENT TAXES PAID FOR ITEMS: ISSUE ALTA 9 FORFEITURE/REVERSION INSURANCE: ISSUE ALTA 9 INSURANCE AGAINST LOSS OR DAMAGE: ISSUE ALTA 9 COPIES OF EASEMENTS OR RESTRICTIONS: ISSUE ALTA 9 FINAL TITLE POLICY MUST INCLUDE THE FOLLOWING ENDORSEMENTS: ENVIRONMENTAL

PROTECTION LIEN, ALTA 8.1 (1970) PROVIDE COMPLY WITH ALL REQUIREMENTS ENSURING SUNTRUST A VALID, FIRST LIEN

POSITION I.E PAYOFF AND RELEASE ALL LIENS, AND SATISFY CONDITIONS IN SCHEDULE B-1

A separate title policy is not required for a SunTrust Combo loan unless the second mortgage loan amount is greater

than $100,000.00. The first mortgage policy must insure with priority over the second mortgage.

The manufactured home must be permanently affixed to the real property and the Manufacturer's Statement of Origin or the Certificate of Title, for the manufactured home, must be transferred to the Borrower(s) at closing. Thereafter, the Borrower's Certificate of Title must be surrendered to the appropriate local authorities and the manufactured home converted from personal property to real property.

Hazard Insurance for Purchase. At loan closing you must provide either an original Hazard Insurance Policy or

Insurance Binder with a minimum coverage equal to the lesser of $160,465.00 or the replacement cost of the improvements, and a paid receipt for the first year’s premium.

Hazard Insurance for Refinance. At loan closing you must provide a copy of the existing insurance policy with a

minimum coverage equal to the lesser of $160,465.00 or the replacement cost of the improvements. If the existing policy is due to expire within 60 days of closing, you must also provide a paid receipt for next year’s premium.

Hazard Insurance for Condominium. At loan closing you must provide a Certificate of Insurance evidencing the

condominium association’s master policy. Deductible and Mortgagee Clause. The deductible may not exceed $1,000.00 or 1.00% of the policy face value,

whichever is greater, unless state law requires the Lender to permit a higher deductible. If you must obtain a separate policy or endorsement for hail, hurricane and/or windstorm protection, the deductible may not exceed $2,000.00 or


*+0220551709+001C+13+13*

2.00% of the policy face value, whichever is greater, unless state law requires the Lender to permit a higher deductible. Policy must show Lender, its successors and assigns as follows:

SUNTRUST MORTGAGE, INC. ISAOA/ATIMA PO BOX 47047 Atlanta, GA 30362

Flood Insurance. Provide to Lender Original Policy with Paid Receipt for one (1) year, with a minimum coverage of

$ or Maximum available dollar amount with Maximum deductible of the greater of $1,000.00, or 1% of the policy face value. Flood Insurance is required on all properties located in Special Flood Hazard area (zones A or V).

Wind Storm Insurance . Provide to Lender Original Policy with Paid Receipt for one (1) year with a minimum

coverage of $ or Maximum available dollar amount. with Maximum deductible of the greater of $1000.00, or 1% of the policy face value.

SECTION VI: LOAN FUNDING

These instructions cannot be amended by any oral agreements or discussions. Any deviations from the Supplemental Closing Instructions or the Master Closing Instructions are at the risk of Settlement Agent.

A funding amount has been provided, but authority to disburse funds is contingent upon your securing a funding number from the Lender. Contact RUTH RIVERA at 111-111-1111 between the hours of 09:00AM to 05:00 PM for specific instructions regarding loan funding procedures. If funds are transferred but the transaction fails to fund, please contact the closing coordinator immediately to arrange for the return of such funds. Interest at the per diem rate will be charged to the Settlement Agent for failure to do so.

SECTION VII: DELIVERY OF DOCUMENTATION

Each of the indicated items should be delivered to Lender by courier or overnight delivery. The settlement agent hereby acknowledges receipt of and has closed this loan in accordance with your Master and Supplemental Closing Instructions. In addition, all required documentation, noted as such, is included in this closing package.

Origination Statement Itemizing “Our Origination Charge” The Compliance Source, Inc. Page 1 of 2 18941MU 01/10 Rev. 08/10 www.compliancesource.com ©2010, The Compliance Source, Inc.

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Date: May 25, 2013 Borrower(s): TODD M HESSELTINE Lender: SUNTRUST MORTGAGE, INC. Property Address: 2329 W 20TH ST, GREELEY, CO 80634 Loan Number: 0220551709

ORIGINATION STATEMENT ITEMIZING “OUR ORIGINATION CHARGE”, TITLE SERVICES, AND CREDITS

The following statement is an itemization of the fees constituting “Our Origination Charge” on Line 801 of the HUD-1 Settlement Statement you received in connection with your loan. Purpose of Fee Amount of Fee 801 ORIGINATION FEE* $1,604.65 814 PROCESSING FEE* Paid to: SUNTRUST MORTGAGE $425.00 826 APPLICATION FEE* Paid to: SUNTRUST MORTGAGE: POC $200.00Total $2,229.65

The following statement is an itemization of the fees constituting “Title Services and Lender’s Title Insurance” on Line 1101 of the HUD-1 Settlement Statement you received in connection with your loan. Purpose of Fee Amount of Fee 1102 SETTLEMENT/CLOSING $795.001104 LENDERS TITLE POLICY $600.001112 MISC FEE $45.001113 MISC FEE $50.001114 MISC FEE $25.00Total $1,515.00

The following statement is an itemization of any seller credits reflected in the 200 series of the HUD-1 Settlement Statement you received in connection with your loan. Purpose of Fee Amount of Fee Total $0.00

The following statement is an itemization of any lender/broker credits reflected in the 200 series of the HUD-1 Settlement Statement you received in connection with your loan. Purpose of Fee Amount of Fee Total $0.00

The following statement is an itemization of any real estate agent/broker credits reflected in the 200 series of the HUD-1 Settlement Statement you received in connection with your loan.

Origination Statement Itemizing “Our Origination Charge” The Compliance Source, Inc. Page 2 of 2 18941MU 01/10 Rev. 08/10 www.compliancesource.com ©2010, The Compliance Source, Inc.

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Purpose of Fee Amount of Fee Total $0.00

SIGN01



First Payment Information And Mailing Address Certification Proprietary W0211 Page 1 of 3 00272MU 02/04 Rev. 01/08

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Loan No.: 0220551709

FIRST PAYMENT INFORMATION AND MAILING ADDRESS CERTIFICATION

Welcome to SunTrust Mortgage. We are excited about the opportunity to serve you and are ready to answer any questions you may have regarding the servicing of your mortgage loan. Important first payment information. Our records indicate your first mortgage payment in reference to Loan Number 0220551709, made payable to SunTrust Mortgage, Inc., will be due on July 1, 2013. Once your loan information has been entered into our servicing system, you will begin to receive monthly statements to help remind you when your next mortgage payment is due. If you do not receive a statement prior to your first payment due date (referenced above), please detach the coupon from the bottom of this page and mail your payment to the following address:

SUNTRUST MORTGAGE, INC. ATTN: PAYMENT PROCESSING

P.O. BOX 79041 BALTIMORE, MD 21279-0041

We have included in the section below a breakdown of how your mortgage payments will be applied to your account:

Principal and Interest $835.96 HAZARD INSURANCE $102.56 MORTGAGE INSURANCE $128.37 COUNTY PROPERTY TAXES $82.20 Total Payment $1,149.09

How can I make my first payment to SunTrust Mortgage? As a valued SunTrust Mortgage customer, you now have access to a wide array of payment options, including the following:

Prefer paperless statements? Try our most popular payment option – ePay. With ePay, you can view your statements via email and click to make your payment when you want to make it.


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Through our SurePaySM ACH program, your monthly payment is automatically debited* from your bank account so you can forget about it.

With our Just-in-TimeSM service, just call our customer service department and pay right over the phone

(fee may apply).

Rather do things the old-fashioned way? No problem, you still have the option to receive a paper statement each month and send in a check via regular U.S. mail or you can overnight your payment and track it online.

What if I have questions about my mortgage payment? If you have any questions relating to making mortgage payments, please call our customer service department at 1.800.634.7928 between 8:00 a.m. and 8:00 p.m. ET, Monday through Friday and from 9:00 a.m. to 3:00 p.m. ET on Saturday. Is your mailing address different than your property address? In order to provide you with monthly mortgage payment statements and to correspond with you on matters of importance, please provide the following information, if your mailing address is different from the property address: Mailing Address: Street Number Street Name Unit # City State Zip Code Anticipated move-in date Telephone number (including area code) (if known) Our commitment to serving you. We are delighted to have you as a customer and are dedicated to serving you for years to come. If you have any questions about your current mortgage, or would like to speak with someone about a future mortgage, we’ll be right here for you. Remember, go with what you know – everytime.


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Acknowledgement of Receipt By signing below, I acknowledge receipt of this First Payment Information Letter and Mailing Address Certification and further acknowledge that I understand its provisions.

SIGN01



*Sufficient funds must be in your bank account at the time of debit. SunTrust Client Commitment: SunTrust will never send emails asking clients to provide, update, or verify personal or account information, such as passwords, Social Security numbers, PINs, credit or Check Card numbers, or other confidential information.

Equal Housing Lender, SunTrust Mortgage, Inc., 901 Semmes Avenue, Richmond, VA 23224 is licensed by the Department of Corporations under the California Residential Mortgage Lending Act; is an Illinois Residential Mortgage Licensee; is a Lender in Massachusetts having Mortgage Lender license #s ML1216, ML0133, ML1432, ML1914, ML1913, ML1815, ML2411, ML1214, ML2442, ML2491, and ML2538; is licensed by the New Hampshire Banking Department; is licensed by the New Jersey Department of Banking and Insurance, toll free 1-888-994-7864; is a licensed lender in Rhode Island; is doing business in Arizona as Crestar Mortgage, 7250 N. 16th Street, Ste. 100, Phoenix, AZ 85020; and is doing business in New York at 145 Pinelawn Road, Suite 330, Melville, NY 11747. ©2007, SunTrust Banks, Inc. SunTrust is a federally registered service mark of SunTrust Banks, Inc.

First Payment Coupon

Loan Number: 0220551709

Customer Name: TODD M HESSELTINE Indicate type of payment: (Check all that apply) Regular Payment $1,149.09

Date: _ _ / _ _ / _ _ _ _ (mm/dd/yyyy) Additional Principal $______________.____ Fees $______________.____

Telephone Number: ( ) ____ - _______ Additional Escrow $______________.____ Escrow Shortage $______________.____ Total $______________.____

Uniform Residential Loan Application Freddie Mac Form 65 7/05 (rev.6/09); Fannie Mae Form 1003 7/05 (rev.6/09) The Compliance Source, Inc. Page 1 of 6 00201MU 07/00 Rev. 07/09 www.compliancesource.com ©2000-2009, The Compliance Source, Inc.

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Uniform Residential Loan Application

This application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants should complete this form as “Borrower” or “Co-Borrower,” as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when the income or assets of a person other than the “Borrower” (including the Borrower's spouse) will be used as a basis for loan qualification or the income or assets of the Borrower's spouse or other person who has community property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.

If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):

SIGN01

Borrower Co-Borrower

I. TYPE OF MORTGAGE AND TERMS OF LOAN

Mortgage VA Conventional Other (explain):

Applied for: FHA USDA/Rural Housing Service

Agency Case Number

Lender Case Number 0220551709

Amount

$ 160,465.00

Interest Rate

3.875%

No. of Months 300 Loan Term 300 Amort.Term

Amortization Type: Fixed Rate Other (explain): GPM ARM (type):

II. PROPERTY INFORMATION AND PURPOSE OF LOAN Subject Property Address (street, city, state & ZIP)

2329 W 20TH ST, GREELEY, CO 80634

No. of Units

1 Legal Description of Subject Property (attach description if necessary)

LOT: 17 , BLOCK: 6 , SECTION: , S/D: Year Built

1964Purpose of Loan Purchase Construction Other (explain):

Refinance Construction-Permanent Property will be:

Primary Residence Secondary Residence Investment

Complete this line if construction or construction-permanent loan

Year Lot Acquired

Original Cost

$

Amount Existing Liens

$

(a) Present Value of Lot

$

(b) Cost of Improvements

$

Total (a + b)

$

Complete this line if this is a refinance loan

Year Acquired

2007

Original Cost

$166,000.00

Amount Existing Liens

$

Purpose of Refinance

CHANGEINRATETERM

Describe Improvements made to be made

Cost: $

Title will be held in what Name(s)

TODD M. HESSELTINE, PORTIA D. HESSELTINE

Manner in which Title will be held

TENANTS BY ENTIRETY

Estate will be held in:

Fee Simple

Leasehold (show expiration date)

Source of Down Payment, Settlement Charges and/or Subordinate Financing (explain)

Borrower III. BORROWER INFORMATION Co-Borrower

Borrower's Name (include Jr. or Sr. if applicable)

TODD M HESSELTINE

Co-Borrower's Name (include Jr. or Sr. if applicable)

Social Security Number

086-64-2235

Home Phone (include area code)

970-371-6401

DOB (mm/dd/yyyy)

04/22/1966

Yrs. School

Social Security Number

Home Phone (include area code)

DOB (mm/dd/yyyy)

Yrs. School

Married Unmarried (include single, divorced, widowed)

Separated

Dependents (not listed by Co-Borrower) no. ages

2 19,25

Married Unmarried (include single, divorced, widowed)

Separated

Dependents (not listed by Borrower) no. ages

Present Address (street, city, state, ZIP) 2329 W 20TH ST GREELEY, CO 80634

Own Rent

No. Yrs.

5 yrs

Present Address (street, city, state, ZIP)

Own Rent

No. Yrs.

Mailing Address, if different from Present Address

2329 W 20TH ST GREELEY, CO 80634

Mailing Address, if different from Present Address

If residing at present address for less than two years, complete the following: Former Address (street, city, state, ZIP)

Own Rent

No. Yrs.

Former Address (street, city, state, ZIP)

Own Rent

No. Yrs.


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Borrower IV. EMPLOYMENT INFORMATION Co-Borrower

Name & Address of Employer Self-Employed SIEMENS ENERGY INC 2329 W 20TH ST. GREENLEY, CO.80634

Yrs. on this job5 yrs

Name & Address of Employer Self-Employed

Yrs. on this job

Yrs. employed in this line of work/profession

5 yrs

Yrs. employed in this line of work/profession

Position/Title/Type of Business TURBINE TECHNICIAN

Business Phone(include area code)

281-946-4075

Position/Title/Type of Business


If employed in current position for less than two years or if currently employed in more than one position, complete the following:


Dates (from-to)

Name & Address of Employer Self Employed

Dates (from-to)

Monthly income$

Monthly Income$






Dates (from-to)


Dates (from-to)

Monthly Income$

Monthly Income$





V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION

Gross Monthly Income Borrower Co-Borrower Total Combined Monthly Housing Expense Present Proposed

Base Employment Income* $ 4,791.66 $ $ 4,791.66 Rent $

Overtime First Mortgage (P& I) 1,434.00 $ 835.96

Bonuses Other Financing (P& I)

Commissions Hazard Insurance 102.56

Dividends/Interest Real Estate Taxes 82.20

Net Rental Income Mortgage Insurance 128.37 128.37

Other (before completing see the notice in “describe other income,” below)

Homeowner Association Dues

Other: 274.78

Total $ 4,791.00 $ $ 4,791.00 Total $ 1,837.15 $ 1,149.09

* Self-Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.

Describe Other Income Notice: Alimony, child support or separate maintenance income need not be revealed if the Borrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan.

B/C Monthly Amount

$


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VI. ASSETS AND LIABILITIES This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower section was completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed about that spouse or other person also. Completed: Jointly Not Jointly

ASSETS Description

Cash or Market Value

Liabilities And Pledged Assets. List the creditor's name, address and account number for all outstanding debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities which will be satisfied upon sale of real estate owned or upon refinance of the subject property.

Cash deposit toward purchase held by:

$

LIABILITIES

Monthly Payment & Months Left to Pay Unpaid Balance

List checking and savings accounts below Name and Address of Bank, S&L, or Credit Union WELL FARGO

Name and Address of CompanySUNTRUST MTG

$ Payment/Months1,434.00

$ 155,131.17 *

Account No. 1101080140 $ 8,000.00 Account No. 0206581811 Name and Address of Bank, S&L, or Credit Union

Name and Address of CompanyALLY FINCL

$ Payment/Months490.00 45

$ 22,201.00

Account No. $ Account No. 611916292801 Name and Address of Bank, S&L, or Credit Union

Name and Address of CompanyAZPUBSERVCO

$ Payment/Months150.00

$ 8,578.00

Account No. $ Account No. 5424180828200763 Name and Address of Bank, S&L, or Credit Union

Name and Address of CompanyWELLS FARGO


$ 2,894.00

Account No. $ Account No. 4465420158704080 Stocks & Bonds (Company name/number and description)

$

Name and Address of CompanyCITI


$ 2,670.00

Life insurance net cash value Face Amount: $

$ Account No. 4465420158704080

Name and Address of Company

WORLDMARK

$ Payment/Months

141.00 11

$ 1,516.00 Subtotal Liquid Assets $ 8,000.00

Real estate owned (enter market value from schedule of real estate owned)

$ 169,922.00

Vested interest in retirement fund $ Net worth of business(es) owned (attach financial statement)

$ Account No. 370403040

Automobiles owned (make and year)

$

Name and Address of Company

$ Payment/Months

$

Account No. Other Assets (itemize)

$

Alimony/Child Support/Separate Maintenance Payments Owed to:

$

Job Related Expense (child care, union dues, etc.)

$

Total Monthly Payments $ 2,418.00 Total Assets a. $ 177,922.00 Net Worth (a minus b) $ -16,015.00 Total Liabilities b. $ 193,937.00


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VI. ASSETS AND LIABILITIES (cont.)

Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.) Property Address (enter S if sold, PS if

pending sale or R if rental being held for income)

Type of Property Present Market

Value

Amount ofMortgages

& Liens

Gross Rental Income

Mortgage Payments

Insurance, Maintenance, Taxes & Misc.

Net Rental Income

2329 W 20TH ST

1) 2329 W 20TH ST SFR 169,922.00 155,131.17 1,434.00

TOTALS 169,922.00 155,131.17 1,434.00

List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):Alternate Name Creditor Name Account No.

HESSEL TINE TODD, HESSELTINE,TODD,MICHAEL, MHES, SELTINE,TOOD

VII. DETAILS OF TRANSACTION VIII. DECLARATIONS

a. Purchase price $ If you answer “yes” to any questions a through i, please use a continuation sheet for explanation.

Borrower Yes No

Co-Borrower Yes No

b. Alterations, improvements, repairs a. Are there any outstanding judgments against you?

c. Land (if acquired separately) b. Have you been declared bankrupt within the past 7 years?

d. Refinance (include debts to be paid off) 155,131.17 c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?

e. Estimated prepaid items 1,905.36 d. Are you a party to a lawsuit?

f. Estimated closing costs 5,127.95 e. Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment? (This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgage, financial obligation, bond, or loan guarantee. If “Yes,” provide details, including date, name and address of Lender, FHA or VA case number, if any, and reasons for the action.)

g. PMI, MIP, Funding Fee

h. Discount (if Borrower will pay) -1,843.74

i. Total Costs (add items a through h) 160,320.74 f. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee? If “Yes,” give details as described in the preceding question.

j. Subordinate financing

k. Borrower's closing costs paid by Seller g. Are you obligated to pay alimony, child support, or separate maintenance?

l. Other Credits (explain)

h. Is any part of the down payment borrowed?

i. Are you a co-maker or endorser on a note?

m. Loan Amount (exclude PMI, MIP, Funding Fee financed) 160,465.00 j. Are you a U.S. citizen?

n. PMI, MIP, Funding Fee financed k. Are you a permanent resident alien?

o. Loan Amount (add m and n) 160,465.00 l. Do you intend to occupy the property as your primary residence? If “Yes,” complete question m below.

p. Cash from/to Borrower (subtract j, k, l, & o from i) -144.26 m. Have you had an ownership interest in a property in the last three years?

(1) What type of property did you own — principal residence (PR), second home (SH), or investment property (IP)? PR

(2) How did you hold title to the home — solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)? SP


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Use the following area if you need more space to complete the Residential Loan Application.

IX. ACKNOWLEDGMENT AND AGREEMENT

Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to this application (the “Loan”) will be secured by a mortgage or deed of trust on the property described in this application; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this application; (6) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not the Loan is approved; (7) the Lender and its agents, brokers, insurers, servicers, successors, and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors or assigns may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer reporting agencies; (9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature. Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information contained in this application or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a source named in this application or a consumer reporting agency.

Borrower's Signature Date Co-Borrower's Signature Date

X SIGN01

X

X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation and surname if you have made this application in person. If you do not wish to furnish the information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the Lender is subject under applicable state law for the particular type of loan applied for.)

BORROWER I do not wish to furnish this information. CO-BORROWER I do not wish to furnish this information. Ethnicity: Hispanic or Latino Not Hispanic or Latino Ethnicity: Hispanic or Latino Not Hispanic or Latino Race: American Indian or Asian Black or

Alaska Native African American Native Hawaiian or White Other Pacific Islander

Race: American Indian or Asian Black or Alaska Native African American

Native Hawaiian or White Other Pacific Islander

Sex: Female Male Sex: Female Male To be completed by Loan Originator This application was taken by: In a face-to face interview

In a telephone interview By the applicant and submitted by fax or mail By the applicant and submitted via e-mail or the Internet

Loan Originator’s Signature SIGNCOMPANYBENE Date

Loan Originator’s Name (print or type) JOHN COOPER

Loan Originator Identifier885990

Loan Originator’s Phone Number (including area code)804-787-9645

Loan Origination Company’s Name SUNTRUST MORTGAGE, INC.

Loan Origination Company Identifier2915

Loan Origination Company’s Address 901 SEMMES AVENUE, RICHMOND, VA 23224


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Continuation Sheet/Residential Loan Application

Use this continuation sheet if you need more space to complete the Residential Loan Application. Mark B for Borrower or C for Co-Borrower

Borrower: TODD M HESSELTINE

Agency Case Number:

Co-Borrower:

Lender Case Number:

0220551709

I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of Title 18, United States Code, Section 1001, et. seq.

Borrower's Signature Date Co-Borrower's Signature Date

X SIGN01 X

5/23/2013 5:46:59 PM Truth In Lending Disclosure Statement The Compliance Source, Inc. Page 1 of 2 02001MU11 11/10 Rev. 06/11 www.compliancesource.com ©2010-2011, The Compliance Source, Inc.

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TRUTH IN LENDING DISCLOSURE STATEMENT

Loan No.: 0220551709BORROWER(S): TODD M HESSELTINE and PORTIA D. HESSELTINE CREDITOR: SUNTRUST MORTGAGE, INC. PROPERTY: 2329 W 20TH ST, GREELEY, CO 80634

ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate.

FINANCE CHARGE The dollar amount the credit will cost you.

Amount Financed

The amount of credit provided to you or on your behalf.

Total of Payments

The amount you will have paid after you have made all payments as scheduled.

Total Sale Price

The total cost of your purchase on credit, including your downpayment of

$N/A

4.49149% $101,621.61 $159,178.05 $260,799.66 $N/A

INTEREST RATE AND PAYMENT SUMMARY

Rate & Monthly Payment

Interest Rate 3.875%

Principal + Interest Payment $835.96

Est. Taxes + Insurance (Escrows)

• Includes Private Mortgage Insurance

$313.13

Total Est. Monthly Payment $1,149.09

There is no guarantee that you will be able to refinance to lower your rate and payments.

Construction Loan: If checked, this loan provides for interest-only payments during the construction period. Beginning , you will make periodic interest-only payments during the construction period, followed by payments of principal and interest as scheduled above.

Variable Rate: If checked, this loan contains a variable rate feature. Disclosures about the variable rate feature were provided to you earlier. Disclosures about the variable rate feature are provided in the attached Variable Rate Disclosure Addendum.

Assumption: Someone buying your property cannot, unless otherwise provided by federal law, may, subject to conditions, be allowed to assume the remainder of the loan on the original terms.

Security: You are giving a security interest in: 2329 W 20TH ST, GREELEY, CO 80634 the property being purchased your property.

Late Charge: If a payment is not received by the end of 15 days after the date it is due, you will be charged 5.000% of the overdue payment.

Prepayment: If you pay this loan early you may will not have to pay a penalty. You may be or will not be entitled to a refund of part of the finance charge.

Deposit: If checked, the annual percentage rate does not take into account your required deposit. Demand: If checked, this loan has a demand feature. You are not required to complete this agreement merely because you have received these disclosures or signed a loan application. See your contract documents for any additional information about non-payment, default, any required payment in full before the scheduled date, and any prepayment refunds and penalties.

5/23/2013 5:46:59 PM Truth In Lending Disclosure Statement The Compliance Source, Inc. Page 2 of 2 02001MU11 11/10 Rev. 06/11 www.compliancesource.com ©2010-2011, The Compliance Source, Inc.

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Property Insurance: Property insurance is required on this loan. Flood insurance may be required if the property is located in an area designated as an area having special flood hazards. You may obtain property insurance and, if required, flood insurance from anyone you want that is acceptable to Creditor.

Credit Insurance Credit life insurance and/or credit disability insurance: is not required to obtain credit from Creditor and will not be provided by Creditor. is not required to obtain credit from Creditor, but will be provided by Creditor if you request the insurance and

agree to pay the additional cost by signing below next to the coverage you want. No such insurance will be in force until the terms of your insurance contract have been fulfilled.

is required to obtain credit from Creditor, but will not be provided by Creditor. is required to obtain credit from Creditor and will be provided by Creditor, as shown below.

Type Premium Term Signatures(s)

Single/Joint Credit Life $N/A N/A mos.

I/We want credit life insurance at _____________________________the stated premium

Single/Joint Credit Disability $N/A N/A mos.

I/We want credit disability ________________________________insurance at the stated premium ______________________________

Single Credit Life and Disability $N/A N/A mos.

I/We want credit life and disability ____________________________insurance at the stated premium ______________________________

Filing Fee: $ 0.00 (e) “e” means estimate

all dates and numerical disclosures except the late payment disclosures are estimates. The undersigned hereby acknowledge receipt of a completed copy of this Disclosure. This Disclosure does not constitute a contract or a commitment to lend.

SIGN01 SIGN02

TODD M HESSELTINE (Borrower) (Date) PORTIA D. HESSELTINE (Borrower) (Date)


Explanation of Truth in Lending Act Disclosure Statement RES 0102 (5/00) Proprietary W0211 Page 1 of 2 00435MU 03/06 Rev. 01/11

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Loan No.: 0220551709

EXPLANATION OF TRUTH IN LENDING ACT DISCLOSURE STATEMENT

SUNTRUST MORTGAGE, INC. The Truth in Lending Act requires lenders to provide disclosures to you using specific terms. People often find some of the terms confusing. We hope the explanation below will help you to understand your loan disclosures. Annual Percentage Rate The Annual Percentage Rate is the yield to maturity on the Amount Financed when all components of the finance charges paid by you including interest, origination fee, discount points and mortgage insurance, if applicable, are considered. This is not the same as the simple interest rate on your loan. Finance Charge The Finance Charge represents the cost of credit as a dollar amount over the life of your loan, assuming you have the loan for its full term and make all of your payments on time. The Finance Charge includes all of the interest on your loan, certain charges imposed by SUNTRUST MORTGAGE, INC. in connection with the extension of the credit, and any mortgage insurance premiums. It does not include any charges that would be payable in a comparable cash transaction, such as property taxes and recordation fees. Amount Financed The Amount Financed represents your loan amount less certain fees paid by you at loan settlement, which are considered Finance Charges, such as the origination fee, discount points, per diem interest and any mortgage insurance premiums. This is not the same as your loan amount. Total of Payments The Total of Payments represents the total amount of principal, interest, and mortgage insurance premiums that you would be required to pay over the life of your loan, assuming you keep the loan for its full term. Interest Rate and Payment Summary The Interest Rate and Monthly Payment Summary Table will display the interest rate associated with your monthly payment of principal and interest, plus any escrow amount required by the lender for estimated payment of taxes or insurance, to arrive at your total estimated monthly payment.

Interest Rate – if your interest rate can increase, the summary table will have additional columns to show the maximum possible increase in the interest rate during the first five years of your loan, the maximum possible interest rate over the life of the loan and the earliest dates this could occur. Your interest rate may increase if you have applied for an adjustable rate loan, or a step interest rate loan.

Principal and Interest Payment – If your monthly payment can increase, either as a result of an increase in the interest rate, or making full, amortizing payments of principal and interest; the summary table will have additional columns to show the maximum possible amount of the monthly payment during the first five years of your loan; and the maximum possible monthly payment of principal, and interest over the life of the loan and the earliest dates this could occur.

Estimated Taxes and Insurance – If the lender requires an escrow account for payment of taxes or insurance, the estimated monthly payment for the escrow items are also included in the summary table. If

Explanation of Truth in Lending Act Disclosure Statement RES 0102 (5/00) Proprietary W0211 Page 2 of 2 00435MU 03/06 Rev. 01/11

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the lender does not require an escrow account you are responsible for payment of real estate taxes, insurance and any assessments connected to your property on your own. This line also includes any payment you are required to make to the lender for lender’s mortgage insurance.

Other Special Loan Features – If your loan has other special loan features, such as a balloon payment, a discounted initial interest rate or the possibility of negative amortization (an increase in the principal amount owed), the summary table will indicate the maximum possible interest rate or monthly payment.

No Guarantee to Refinance – the lender is required to add the following statement to all disclosures: “There is no guarantee that you will be able to refinance to lower your rate and payments.”.

You may obtain more information about your loan if it has special features such as an adjustable rate, interest only or buydown feature in the Program Disclosures provided to you within three days of application.

Prepayment If the box is checked for “if you pay off early you may have to pay a penalty”, the lender may assess a fee in addition to the simple interest accrued on your loan before your full prepayment of the outstanding balance or partial payment will be accepted. See your loan documents for an explanation of any prepayment fees that may be assessed. You may be entitled to a refund of a finance charge, only if the fee is assessed and paid by you before the full amount is due. An example of such a fee is a one-time mortgage insurance premium collected at settlement. In most cases, you will not be entitled to a refund because fees are earned when collected at settlement and interest on your loan is collected in arrears. Demand Feature If the lender has the right to demand repayment of your loan in full prior to the maturity date as stated in your loan Note, even if you are not delinquent on your payments or otherwise in default under the terms of your Note and Security Instrument, your disclosure will indicate that the loan has a demand feature. Thank you for choosing SUNTRUST MORTGAGE, INC. as your mortgage lender. We hope this information is helpful.

Initial Escrow Account Disclosure Statement Closing The Compliance Source, Inc. Page 1 of 2 06211MU 07/99 Rev.10/03 www.compliancesource.com ©1999, The Compliance Source, Inc.

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MIN: 100010402205517091

INITIAL ESCROW ACCOUNT DISCLOSURE STATEMENT

Disclosure Date: May 25, 2013 BORROWER(S) NAME AND ADDRESS: TODD M HESSELTINE 2329 W 20TH ST GREELEY, CO 80634

LENDER/SERVICER NAME AND ADDRESS: SUNTRUST MORTGAGE, INC. 901 SEMMES AVENUE RICHMOND, VA 23224 800-330-4684

LOAN NO.: 0220551709

MORTGAGE INSURANCE/CASE NUMBER:

Your first monthly payment is due July 1, 2013 and will be $1,149.09, of which $835.96 will be for principal and interest, and $313.13 will go into your escrow account. This is an estimate of activity in your escrow account during the next 12 months based on payments anticipated to be made from your account.

MONTH PAYMENTS TO

ESCROW ACCT. PAYMENTS FROM

ESCROW ACCT. DESCRIPTION

ESCROW ACCT. BALANCE

Opening Deposit: $1,230.76

Jul, 13 313.13 128.37 PMI PREMIUM 1,415.52 Aug, 13 313.13 1,230.76 HAZ INS 497.89 0.00 128.37 PMI PREMIUM 369.52 Sep, 13 313.13 128.37 PMI PREMIUM 554.28 Oct, 13 313.13 128.37 PMI PREMIUM 739.04 Nov, 13 313.13 128.37 PMI PREMIUM 923.80 Dec, 13 313.13 128.37 PMI PREMIUM 1,108.56 Jan, 14 313.13 128.37 PMI PREMIUM 1,293.32 Feb, 14 313.13 128.37 PMI PREMIUM 1,478.08 0.00 493.24 CO. TAX 984.84 Mar, 14 313.13 128.37 PMI PREMIUM 1,169.60 Apr, 14 313.13 128.37 PMI PREMIUM 1,354.36 May, 14 313.13 128.37 PMI PREMIUM 1,539.12 Jun, 14 313.13 128.37 PMI PREMIUM 1,723.88 0.00 493.24 CO. TAX 1,230.64

(Please keep this statement for comparison with the actual activity in your account at the end of the escrow accounting computation year.) Cushion selected by servicer: $369.52 or 2 month(s)

Initial Escrow Account Disclosure Statement Closing The Compliance Source, Inc. Page 2 of 2 06211MU 07/99 Rev.10/03 www.compliancesource.com ©1999, The Compliance Source, Inc.

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ACKNOWLEDGMENT OF RECEIPT I hereby acknowledge receipt of this Initial Escrow Account Disclosure Statement and further acknowledge that I understand its provisions. Words used in this Initial Escrow Account Disclosure Statement mean and include the plural and vice versa. SIGN01



Private Mortgage Insurance Disclosure (Fixed-Rate, Non-High Risk Loan) Proprietary W0211 Page 1 of 3 33185MU 12/07

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Loan No.: 0220551709

PRIVATE MORTGAGE INSURANCE DISCLOSURE(Fixed-Rate, Non-High Risk Loan)

(Balloon Mortgages Without Refinance / Modification Options)

Borrower(s): TODD M HESSELTINE Property: 2329 W 20TH ST, GREELEY, CO 80634

You are obtaining a mortgage loan that requires private mortgage insurance ("PMI"). PMI protects lenders and others against financial loss when borrowers default. jsiajsajskaljskaljasksxsasasa

Under certain circumstances, federal law gives you the right to cancel PMI or requires that PMI automatically terminate. This Private Mortgage Insurance Disclosure describes when cancellation and termination may occur. Please note that PMI is not the same as property or casualty insurance, such as homeowner's or flood insurance, which protect you against damage to the property. Cancellation or termination of PMI does not affect any obligation you may have to maintain other types of insurance. huhukhouihuhuihuvgkv

In this Private Mortgage Insurance Disclosure, "Loan" means the mortgage loan you are obtaining; "You" means the original borrower or his or her successors or assigns; and "Property" means the property securing the mortgage loan.

"Original Value" means the lesser of the contract sales price of the property or the appraised value of the property at the time the loan was closed. If this is a refinance transaction, Original Value means the appraised value relied upon by your lender to approve the refinance transaction.

A "Good Payment History" means no payments sixty (60) or more days past due within two (2) years, or no payments thirty (30) or more days past due within one (1) year before the later of (i) the cancellation date, or (ii) the date that you submit a request for cancellation in accordance with the provisions below.

An initial amortization schedule showing the principal and interest due on your loan, along with the balance remaining after each scheduled payment, is attached.

BORROWER CANCELLATION OF PMI You have the right to request in writing that PMI be canceled on or after the following dates:

1. The date the principal balance of your loan is first scheduled to reach eighty percent (80%) of theOriginal Value of the property. This date is March 01, 2019. For balloon loans this date may not bereached before the loan matures. Balloon mortgages that do not contain conditional rights to refinanceor modify the unamortized principal at the maturity date of the term are considered to be fixed ratemortgages for purposes of the Homeowners Protection Act of 1998, as amended.


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2. The date the principal balance actually reaches eighty percent (80%) of the Original Value of the property, based upon your actual payments.

Upon receipt of your written request, lender or your loan servicer will determine if your loan satisfies all the following conditions for cancellation of PMI:

1. You have a Good Payment History; and

2. Lender receives, if requested and at your expense, evidence satisfactory to the holder of your loan that the value of the property has not declined below its Original Value. You may have to pay a fee for a broker's price opinion, a certification of value, or a new appraisal; and

3. You are current on the payments required by your mortgage loan.

AUTOMATIC TERMINATION OF PMI If you are current on your loan payments, PMI will automatically terminate at the earlier of the midpoint of the amortization period of the loan or on the date the principal balance of your loan is first scheduled to reach seventy-eight percent (78%) of the Original Value of the property, which date is December 01, 2019. If you are not current on your loan payments as of that date, PMI will automatically terminate on the first day of the first month after you become current on your payments. "Midpoint of the Amortization Period" means the point in time that is halfway through the period that begins upon the first day of the amortization period established at the time your mortgage transaction is consummated and ends upon the completion of the entire period over which the mortgage is scheduled to be amortized. For balloon loans, this date may not be reached before the loan matures. LOAN MODIFICATION If you and lender (or note holder) agree to a modification of the terms or conditions of your mortgage loan, then the cancellation date, termination date, or final termination will be recalculated to reflect the modified terms and conditions agreed upon. EXCEPTIONS TO CANCELLATION AND AUTOMATIC TERMINATION The cancellation and automatic termination requirements described above do not apply to certain loans that may present a higher risk of default. Your loan does not fall into this high risk category. Accordingly, the cancellation and automatic termination provisions described above apply to your loan. Cancellation or termination shall not affect the rights of any lender, servicer, or mortgage insurer to enforce your obligation for premium payments accrued prior to the date on which such cancellation or termination occurred. ————————————————[Signatures on Following Page]—————————————————


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ACKNOWLEDGMENT OF RECEIPT

I hereby acknowledge receipt of this Private Mortgage Insurance Disclosure and further acknowledge that I understand its provisions. Words used in this Private Mortgage Insurance Disclosure mean and include the plural and vice versa.

SIGN01



Loan No.: 0220551709

AMORTIZATION SCHEDULE Borrowers: TODD M HESSELTINE Original LTV: 94.435%Property Address: 2329 W 20TH ST Interest Rate: 3.875%GREELEY, CO 80634

LOAN AMOUNT:$160,465.00 TERM: 300 MONTHS Pmt # Date Payment Interest Principal PMI Balance LTV

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1 7/1/2013 964.33 518.17 317.79 128.37 160,147.21 94.200 2 8/1/2013 964.33 517.14 318.82 128.37 159,828.39 94.100 3 9/1/2013 964.33 516.11 319.85 128.37 159,508.54 93.900 4 10/1/2013 964.33 515.08 320.88 128.37 159,187.66 93.700 5 11/1/2013 964.33 514.04 321.92 128.37 158,865.74 93.500 6 12/1/2013 964.33 513.00 322.96 128.37 158,542.78 93.300 7 1/1/2014 964.33 511.96 324.00 128.37 158,218.78 93.100 8 2/1/2014 964.33 510.91 325.05 128.37 157,893.73 92.900 9 3/1/2014 964.33 509.87 326.09 128.37 157,567.64 92.700 10 4/1/2014 964.33 508.81 327.15 128.37 157,240.49 92.500 11 5/1/2014 964.33 507.76 328.20 128.37 156,912.29 92.300 12 6/1/2014 964.33 506.70 329.26 128.37 156,583.03 92.100 13 7/1/2014 964.33 505.63 330.33 128.37 156,252.70 92.000 14 8/1/2014 964.33 504.57 331.39 128.37 155,921.31 91.800 15 9/1/2014 964.33 503.50 332.46 128.37 155,588.85 91.600 16 10/1/2014 964.33 502.42 333.54 128.37 155,255.31 91.400 17 11/1/2014 964.33 501.35 334.61 128.37 154,920.70 91.200 18 12/1/2014 964.33 500.26 335.70 128.37 154,585.00 91.000 19 1/1/2015 964.33 499.18 336.78 128.37 154,248.22 90.800 20 2/1/2015 964.33 498.09 337.87 128.37 153,910.35 90.600 21 3/1/2015 964.33 497.00 338.96 128.37 153,571.39 90.400 22 4/1/2015 964.33 495.91 340.05 128.37 153,231.34 90.200 23 5/1/2015 964.33 494.81 341.15 128.37 152,890.19 90.000 24 6/1/2015 964.33 493.71 342.25 128.37 152,547.94 89.800 25 7/1/2015 964.33 492.60 343.36 128.37 152,204.58 89.600 26 8/1/2015 964.33 491.49 344.47 128.37 151,860.11 89.400 27 9/1/2015 964.33 490.38 345.58 128.37 151,514.53 89.200 28 10/1/2015 964.33 489.27 346.69 128.37 151,167.84 89.000 29 11/1/2015 964.33 488.15 347.81 128.37 150,820.03 88.800 30 12/1/2015 964.33 487.02 348.94 128.37 150,471.09 88.600 31 1/1/2016 964.33 485.90 350.06 128.37 150,121.03 88.300 32 2/1/2016 964.33 484.77 351.19 128.37 149,769.84 88.100 33 3/1/2016 964.33 483.63 352.33 128.37 149,417.51 87.900 34 4/1/2016 964.33 482.49 353.47 128.37 149,064.04 87.700 35 5/1/2016 964.33 481.35 354.61 128.37 148,709.43 87.500 36 6/1/2016 964.33 480.21 355.75 128.37 148,353.68 87.300 37 7/1/2016 964.33 479.06 356.90 128.37 147,996.78 87.100 38 8/1/2016 964.33 477.91 358.05 128.37 147,638.73 86.900 39 9/1/2016 964.33 476.75 359.21 128.37 147,279.52 86.700 40 10/1/2016 964.33 475.59 360.37 128.37 146,919.15 86.500 41 11/1/2016 964.33 474.43 361.53 128.37 146,557.62 86.200 42 12/1/2016 964.33 473.26 362.70 128.37 146,194.92 86.000 43 1/1/2017 964.33 472.09 363.87 128.37 145,831.05 85.800 44 2/1/2017 964.33 470.91 365.05 128.37 145,466.00 85.600 45 3/1/2017 964.33 469.73 366.23 128.37 145,099.77 85.400 46 4/1/2017 964.33 468.55 367.41 128.37 144,732.36 85.200 47 5/1/2017 964.33 467.36 368.60 128.37 144,363.76 85.000 48 6/1/2017 964.33 466.17 369.79 128.37 143,993.97 84.700

Loan No.: 0220551709



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49 7/1/2017 964.33 464.98 370.98 128.37 143,622.99 84.500 50 8/1/2017 964.33 463.78 372.18 128.37 143,250.81 84.300 51 9/1/2017 964.33 462.58 373.38 128.37 142,877.43 84.100 52 10/1/2017 964.33 461.38 374.58 128.37 142,502.85 83.900 53 11/1/2017 964.33 460.17 375.79 128.37 142,127.06 83.600 54 12/1/2017 964.33 458.95 377.01 128.37 141,750.05 83.400 55 1/1/2018 964.33 457.73 378.23 128.37 141,371.82 83.200 56 2/1/2018 964.33 456.51 379.45 128.37 140,992.37 83.000 57 3/1/2018 964.33 455.29 380.67 128.37 140,611.70 82.800 58 4/1/2018 964.33 454.06 381.90 128.37 140,229.80 82.500 59 5/1/2018 964.33 452.83 383.13 128.37 139,846.67 82.300 60 6/1/2018 964.33 451.59 384.37 128.37 139,462.30 82.100 61 7/1/2018 964.33 450.35 385.61 128.37 139,076.69 81.800 62 8/1/2018 964.33 449.10 386.86 128.37 138,689.83 81.600 63 9/1/2018 964.33 447.85 388.11 128.37 138,301.72 81.400 64 10/1/2018 964.33 446.60 389.36 128.37 137,912.36 81.200 65 11/1/2018 964.33 445.34 390.62 128.37 137,521.74 80.900 66 12/1/2018 964.33 444.08 391.88 128.37 137,129.86 80.700 67 1/1/2019 964.33 442.82 393.14 128.37 136,736.72 80.500 68 2/1/2019 964.33 441.55 394.41 128.37 136,342.31 80.200 69 3/1/2019 964.33 440.27 395.69 128.37 135,946.62 80.000 70 4/1/2019 964.33 438.99 396.97 128.37 135,549.65 79.800 71 5/1/2019 964.33 437.71 398.25 128.37 135,151.40 79.500 72 6/1/2019 964.33 436.43 399.53 128.37 134,751.87 79.300 73 7/1/2019 964.33 435.14 400.82 128.37 134,351.05 79.100 74 8/1/2019 964.33 433.84 402.12 128.37 133,948.93 78.800 75 9/1/2019 964.33 432.54 403.42 128.37 133,545.51 78.600 76 10/1/2019 964.33 431.24 404.72 128.37 133,140.79 78.400 77 11/1/2019 964.33 429.93 406.03 128.37 132,734.76 78.100 78 12/1/2019 964.33 428.62 407.34 128.37 132,327.42 77.900 79 1/1/2020 835.96 427.31 408.65 0.00 131,918.77 77.600 80 2/1/2020 835.96 425.99 409.97 0.00 131,508.80 77.400 81 3/1/2020 835.96 424.66 411.30 0.00 131,097.50 77.200 82 4/1/2020 835.96 423.34 412.62 0.00 130,684.88 76.900 83 5/1/2020 835.96 422.00 413.96 0.00 130,270.92 76.700 84 6/1/2020 835.96 420.67 415.29 0.00 129,855.63 76.400 85 7/1/2020 835.96 419.33 416.63 0.00 129,439.00 76.200 86 8/1/2020 835.96 417.98 417.98 0.00 129,021.02 75.900 87 9/1/2020 835.96 416.63 419.33 0.00 128,601.69 75.700 88 10/1/2020 835.96 415.28 420.68 0.00 128,181.01 75.400 89 11/1/2020 835.96 413.92 422.04 0.00 127,758.97 75.200 90 12/1/2020 835.96 412.56 423.40 0.00 127,335.57 74.900 91 1/1/2021 835.96 411.19 424.77 0.00 126,910.80 74.700 92 2/1/2021 835.96 409.82 426.14 0.00 126,484.66 74.400 93 3/1/2021 835.96 408.44 427.52 0.00 126,057.14 74.200 94 4/1/2021 835.96 407.06 428.90 0.00 125,628.24 73.900 95 5/1/2021 835.96 405.67 430.29 0.00 125,197.95 73.700 96 6/1/2021 835.96 404.29 431.67 0.00 124,766.28 73.400 97 7/1/2021 835.96 402.89 433.07 0.00 124,333.21 73.200

Loan No.: 0220551709



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98 8/1/2021 835.96 401.49 434.47 0.00 123,898.74 72.900 99 9/1/2021 835.96 400.09 435.87 0.00 123,462.87 72.700 100 10/1/2021 835.96 398.68 437.28 0.00 123,025.59 72.400 101 11/1/2021 835.96 397.27 438.69 0.00 122,586.90 72.100 102 12/1/2021 835.96 395.85 440.11 0.00 122,146.79 71.900 103 1/1/2022 835.96 394.43 441.53 0.00 121,705.26 71.600 104 2/1/2022 835.96 393.01 442.95 0.00 121,262.31 71.400 105 3/1/2022 835.96 391.58 444.38 0.00 120,817.93 71.100 106 4/1/2022 835.96 390.14 445.82 0.00 120,372.11 70.800 107 5/1/2022 835.96 388.70 447.26 0.00 119,924.85 70.600 108 6/1/2022 835.96 387.26 448.70 0.00 119,476.15 70.300 109 7/1/2022 835.96 385.81 450.15 0.00 119,026.00 70.000 110 8/1/2022 835.96 384.35 451.61 0.00 118,574.39 69.800 111 9/1/2022 835.96 382.90 453.06 0.00 118,121.33 69.500 112 10/1/2022 835.96 381.43 454.53 0.00 117,666.80 69.200 113 11/1/2022 835.96 379.97 455.99 0.00 117,210.81 69.000 114 12/1/2022 835.96 378.49 457.47 0.00 116,753.34 68.700 115 1/1/2023 835.96 377.02 458.94 0.00 116,294.40 68.400 116 2/1/2023 835.96 375.53 460.43 0.00 115,833.97 68.200 117 3/1/2023 835.96 374.05 461.91 0.00 115,372.06 67.900 118 4/1/2023 835.96 372.56 463.40 0.00 114,908.66 67.600 119 5/1/2023 835.96 371.06 464.90 0.00 114,443.76 67.400 120 6/1/2023 835.96 369.56 466.40 0.00 113,977.36 67.100 121 7/1/2023 835.96 368.05 467.91 0.00 113,509.45 66.800 122 8/1/2023 835.96 366.54 469.42 0.00 113,040.03 66.500 123 9/1/2023 835.96 365.03 470.93 0.00 112,569.10 66.200 124 10/1/2023 835.96 363.50 472.46 0.00 112,096.64 66.000 125 11/1/2023 835.96 361.98 473.98 0.00 111,622.66 65.700 126 12/1/2023 835.96 360.45 475.51 0.00 111,147.15 65.400 127 1/1/2024 835.96 358.91 477.05 0.00 110,670.10 65.100 128 2/1/2024 835.96 357.37 478.59 0.00 110,191.51 64.800 129 3/1/2024 835.96 355.83 480.13 0.00 109,711.38 64.600 130 4/1/2024 835.96 354.28 481.68 0.00 109,229.70 64.300 131 5/1/2024 835.96 352.72 483.24 0.00 108,746.46 64.000 132 6/1/2024 835.96 351.16 484.80 0.00 108,261.66 63.700 133 7/1/2024 835.96 349.59 486.37 0.00 107,775.29 63.400 134 8/1/2024 835.96 348.02 487.94 0.00 107,287.35 63.100 135 9/1/2024 835.96 346.45 489.51 0.00 106,797.84 62.900 136 10/1/2024 835.96 344.87 491.09 0.00 106,306.75 62.600 137 11/1/2024 835.96 343.28 492.68 0.00 105,814.07 62.300 138 12/1/2024 835.96 341.69 494.27 0.00 105,319.80 62.000 139 1/1/2025 835.96 340.10 495.86 0.00 104,823.94 61.700 140 2/1/2025 835.96 338.49 497.47 0.00 104,326.47 61.400 141 3/1/2025 835.96 336.89 499.07 0.00 103,827.40 61.100 142 4/1/2025 835.96 335.28 500.68 0.00 103,326.72 60.800 143 5/1/2025 835.96 333.66 502.30 0.00 102,824.42 60.500 144 6/1/2025 835.96 332.04 503.92 0.00 102,320.50 60.200 145 7/1/2025 835.96 330.41 505.55 0.00 101,814.95 59.900 146 8/1/2025 835.96 328.78 507.18 0.00 101,307.77 59.600

Loan No.: 0220551709



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147 9/1/2025 835.96 327.14 508.82 0.00 100,798.95 59.300 148 10/1/2025 835.96 325.50 510.46 0.00 100,288.49 59.000 149 11/1/2025 835.96 323.85 512.11 0.00 99,776.38 58.700 150 12/1/2025 835.96 322.19 513.77 0.00 99,262.61 58.400 151 1/1/2026 835.96 320.54 515.42 0.00 98,747.19 58.100 152 2/1/2026 835.96 318.87 517.09 0.00 98,230.10 57.800 153 3/1/2026 835.96 317.20 518.76 0.00 97,711.34 57.500 154 4/1/2026 835.96 315.53 520.43 0.00 97,190.91 57.200 155 5/1/2026 835.96 313.85 522.11 0.00 96,668.80 56.900 156 6/1/2026 835.96 312.16 523.80 0.00 96,145.00 56.600 157 7/1/2026 835.96 310.47 525.49 0.00 95,619.51 56.300 158 8/1/2026 835.96 308.77 527.19 0.00 95,092.32 56.000 159 9/1/2026 835.96 307.07 528.89 0.00 94,563.43 55.700 160 10/1/2026 835.96 305.36 530.60 0.00 94,032.83 55.300 161 11/1/2026 835.96 303.65 532.31 0.00 93,500.52 55.000 162 12/1/2026 835.96 301.93 534.03 0.00 92,966.49 54.700 163 1/1/2027 835.96 300.20 535.76 0.00 92,430.73 54.400 164 2/1/2027 835.96 298.47 537.49 0.00 91,893.24 54.100 165 3/1/2027 835.96 296.74 539.22 0.00 91,354.02 53.800 166 4/1/2027 835.96 295.00 540.96 0.00 90,813.06 53.400 167 5/1/2027 835.96 293.25 542.71 0.00 90,270.35 53.100 168 6/1/2027 835.96 291.50 544.46 0.00 89,725.89 52.800 169 7/1/2027 835.96 289.74 546.22 0.00 89,179.67 52.500 170 8/1/2027 835.96 287.98 547.98 0.00 88,631.69 52.200 171 9/1/2027 835.96 286.21 549.75 0.00 88,081.94 51.800 172 10/1/2027 835.96 284.43 551.53 0.00 87,530.41 51.500 173 11/1/2027 835.96 282.65 553.31 0.00 86,977.10 51.200 174 12/1/2027 835.96 280.86 555.10 0.00 86,422.00 50.900 175 1/1/2028 835.96 279.07 556.89 0.00 85,865.11 50.500 176 2/1/2028 835.96 277.27 558.69 0.00 85,306.42 50.200 177 3/1/2028 835.96 275.47 560.49 0.00 84,745.93 49.900 178 4/1/2028 835.96 273.66 562.30 0.00 84,183.63 49.500 179 5/1/2028 835.96 271.84 564.12 0.00 83,619.51 49.200 180 6/1/2028 835.96 270.02 565.94 0.00 83,053.57 48.900 181 7/1/2028 835.96 268.19 567.77 0.00 82,485.80 48.500 182 8/1/2028 835.96 266.36 569.60 0.00 81,916.20 48.200 183 9/1/2028 835.96 264.52 571.44 0.00 81,344.76 47.900 184 10/1/2028 835.96 262.68 573.28 0.00 80,771.48 47.500 185 11/1/2028 835.96 260.82 575.14 0.00 80,196.34 47.200 186 12/1/2028 835.96 258.97 576.99 0.00 79,619.35 46.900 187 1/1/2029 835.96 257.10 578.86 0.00 79,040.49 46.500 188 2/1/2029 835.96 255.23 580.73 0.00 78,459.76 46.200 189 3/1/2029 835.96 253.36 582.60 0.00 77,877.16 45.800 190 4/1/2029 835.96 251.48 584.48 0.00 77,292.68 45.500 191 5/1/2029 835.96 249.59 586.37 0.00 76,706.31 45.100 192 6/1/2029 835.96 247.70 588.26 0.00 76,118.05 44.800 193 7/1/2029 835.96 245.80 590.16 0.00 75,527.89 44.400 194 8/1/2029 835.96 243.89 592.07 0.00 74,935.82 44.100 195 9/1/2029 835.96 241.98 593.98 0.00 74,341.84 43.800

Loan No.: 0220551709



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196 10/1/2029 835.96 240.06 595.90 0.00 73,745.94 43.400 197 11/1/2029 835.96 238.14 597.82 0.00 73,148.12 43.000 198 12/1/2029 835.96 236.21 599.75 0.00 72,548.37 42.700 199 1/1/2030 835.96 234.27 601.69 0.00 71,946.68 42.300 200 2/1/2030 835.96 232.33 603.63 0.00 71,343.05 42.000 201 3/1/2030 835.96 230.38 605.58 0.00 70,737.47 41.600 202 4/1/2030 835.96 228.42 607.54 0.00 70,129.93 41.300 203 5/1/2030 835.96 226.46 609.50 0.00 69,520.43 40.900 204 6/1/2030 835.96 224.49 611.47 0.00 68,908.96 40.600 205 7/1/2030 835.96 222.52 613.44 0.00 68,295.52 40.200 206 8/1/2030 835.96 220.54 615.42 0.00 67,680.10 39.800 207 9/1/2030 835.96 218.55 617.41 0.00 67,062.69 39.500 208 10/1/2030 835.96 216.56 619.40 0.00 66,443.29 39.100 209 11/1/2030 835.96 214.56 621.40 0.00 65,821.89 38.700 210 12/1/2030 835.96 212.55 623.41 0.00 65,198.48 38.400 211 1/1/2031 835.96 210.54 625.42 0.00 64,573.06 38.000 212 2/1/2031 835.96 208.52 627.44 0.00 63,945.62 37.600 213 3/1/2031 835.96 206.49 629.47 0.00 63,316.15 37.300 214 4/1/2031 835.96 204.46 631.50 0.00 62,684.65 36.900 215 5/1/2031 835.96 202.42 633.54 0.00 62,051.11 36.500 216 6/1/2031 835.96 200.37 635.59 0.00 61,415.52 36.100 217 7/1/2031 835.96 198.32 637.64 0.00 60,777.88 35.800 218 8/1/2031 835.96 196.26 639.70 0.00 60,138.18 35.400 219 9/1/2031 835.96 194.20 641.76 0.00 59,496.42 35.000 220 10/1/2031 835.96 192.12 643.84 0.00 58,852.58 34.600 221 11/1/2031 835.96 190.04 645.92 0.00 58,206.66 34.300 222 12/1/2031 835.96 187.96 648.00 0.00 57,558.66 33.900 223 1/1/2032 835.96 185.87 650.09 0.00 56,908.57 33.500 224 2/1/2032 835.96 183.77 652.19 0.00 56,256.38 33.100 225 3/1/2032 835.96 181.66 654.30 0.00 55,602.08 32.700 226 4/1/2032 835.96 179.55 656.41 0.00 54,945.67 32.300 227 5/1/2032 835.96 177.43 658.53 0.00 54,287.14 31.900 228 6/1/2032 835.96 175.30 660.66 0.00 53,626.48 31.600 229 7/1/2032 835.96 173.17 662.79 0.00 52,963.69 31.200 230 8/1/2032 835.96 171.03 664.93 0.00 52,298.76 30.800 231 9/1/2032 835.96 168.88 667.08 0.00 51,631.68 30.400 232 10/1/2032 835.96 166.73 669.23 0.00 50,962.45 30.000 233 11/1/2032 835.96 164.57 671.39 0.00 50,291.06 29.600 234 12/1/2032 835.96 162.40 673.56 0.00 49,617.50 29.200 235 1/1/2033 835.96 160.22 675.74 0.00 48,941.76 28.800 236 2/1/2033 835.96 158.04 677.92 0.00 48,263.84 28.400 237 3/1/2033 835.96 155.85 680.11 0.00 47,583.73 28.000 238 4/1/2033 835.96 153.66 682.30 0.00 46,901.43 27.600 239 5/1/2033 835.96 151.45 684.51 0.00 46,216.92 27.200 240 6/1/2033 835.96 149.24 686.72 0.00 45,530.20 26.800 241 7/1/2033 835.96 147.02 688.94 0.00 44,841.26 26.400 242 8/1/2033 835.96 144.80 691.16 0.00 44,150.10 26.000 243 9/1/2033 835.96 142.57 693.39 0.00 43,456.71 25.600 244 10/1/2033 835.96 140.33 695.63 0.00 42,761.08 25.200

Loan No.: 0220551709



Page 6 of 7

*+0220551709+0005+6+7*

245 11/1/2033 835.96 138.08 697.88 0.00 42,063.20 24.800 246 12/1/2033 835.96 135.83 700.13 0.00 41,363.07 24.300 247 1/1/2034 835.96 133.57 702.39 0.00 40,660.68 23.900 248 2/1/2034 835.96 131.30 704.66 0.00 39,956.02 23.500 249 3/1/2034 835.96 129.02 706.94 0.00 39,249.08 23.100 250 4/1/2034 835.96 126.74 709.22 0.00 38,539.86 22.700 251 5/1/2034 835.96 124.45 711.51 0.00 37,828.35 22.300 252 6/1/2034 835.96 122.15 713.81 0.00 37,114.54 21.800 253 7/1/2034 835.96 119.85 716.11 0.00 36,398.43 21.400 254 8/1/2034 835.96 117.54 718.42 0.00 35,680.01 21.000 255 9/1/2034 835.96 115.22 720.74 0.00 34,959.27 20.600 256 10/1/2034 835.96 112.89 723.07 0.00 34,236.20 20.100 257 11/1/2034 835.96 110.55 725.41 0.00 33,510.79 19.700 258 12/1/2034 835.96 108.21 727.75 0.00 32,783.04 19.300 259 1/1/2035 835.96 105.86 730.10 0.00 32,052.94 18.900 260 2/1/2035 835.96 103.50 732.46 0.00 31,320.48 18.400 261 3/1/2035 835.96 101.14 734.82 0.00 30,585.66 18.000 262 4/1/2035 835.96 98.77 737.19 0.00 29,848.47 17.600 263 5/1/2035 835.96 96.39 739.57 0.00 29,108.90 17.100 264 6/1/2035 835.96 94.00 741.96 0.00 28,366.94 16.700 265 7/1/2035 835.96 91.60 744.36 0.00 27,622.58 16.300 266 8/1/2035 835.96 89.20 746.76 0.00 26,875.82 15.800 267 9/1/2035 835.96 86.79 749.17 0.00 26,126.65 15.400 268 10/1/2035 835.96 84.37 751.59 0.00 25,375.06 14.900 269 11/1/2035 835.96 81.94 754.02 0.00 24,621.04 14.500 270 12/1/2035 835.96 79.51 756.45 0.00 23,864.59 14.000 271 1/1/2036 835.96 77.06 758.90 0.00 23,105.69 13.600 272 2/1/2036 835.96 74.61 761.35 0.00 22,344.34 13.100 273 3/1/2036 835.96 72.15 763.81 0.00 21,580.53 12.700 274 4/1/2036 835.96 69.69 766.27 0.00 20,814.26 12.200 275 5/1/2036 835.96 67.21 768.75 0.00 20,045.51 11.800 276 6/1/2036 835.96 64.73 771.23 0.00 19,274.28 11.300 277 7/1/2036 835.96 62.24 773.72 0.00 18,500.56 10.900 278 8/1/2036 835.96 59.74 776.22 0.00 17,724.34 10.400 279 9/1/2036 835.96 57.23 778.73 0.00 16,945.61 10.000 280 10/1/2036 835.96 54.72 781.24 0.00 16,164.37 9.500 281 11/1/2036 835.96 52.20 783.76 0.00 15,380.61 9.100 282 12/1/2036 835.96 49.67 786.29 0.00 14,594.32 8.600 283 1/1/2037 835.96 47.13 788.83 0.00 13,805.49 8.100 284 2/1/2037 835.96 44.58 791.38 0.00 13,014.11 7.700 285 3/1/2037 835.96 42.02 793.94 0.00 12,220.17 7.200 286 4/1/2037 835.96 39.46 796.50 0.00 11,423.67 6.700 287 5/1/2037 835.96 36.89 799.07 0.00 10,624.60 6.300 288 6/1/2037 835.96 34.31 801.65 0.00 9,822.95 5.800 289 7/1/2037 835.96 31.72 804.24 0.00 9,018.71 5.300 290 8/1/2037 835.96 29.12 806.84 0.00 8,211.87 4.800 291 9/1/2037 835.96 26.52 809.44 0.00 7,402.43 4.400 292 10/1/2037 835.96 23.90 812.06 0.00 6,590.37 3.900 293 11/1/2037 835.96 21.28 814.68 0.00 5,775.69 3.400

Loan No.: 0220551709



Page 7 of 7

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294 12/1/2037 835.96 18.65 817.31 0.00 4,958.38 2.900 295 1/1/2038 835.96 16.01 819.95 0.00 4,138.43 2.400 296 2/1/2038 835.96 13.36 822.60 0.00 3,315.83 2.000 297 3/1/2038 835.96 10.71 825.25 0.00 2,490.58 1.500 298 4/1/2038 835.96 8.04 827.92 0.00 1,662.66 1.000 299 5/1/2038 835.96 5.37 830.59 0.00 832.07 0.500 300 6/1/2038 834.76 2.69 832.07 0.00 0.00 0.000

Addendum to HUD-1 Settlement Statement The Compliance Source, Inc. Page 1 of 1 06023MU 09/99 Rev. 02/07 www.compliancesourece.com ©1999, The Compliance Source, Inc.

*+0220551709+004A+1+1*

Loan No.: 0220551709

ADDENDUM TO HUD-1 SETTLEMENT STATEMENT Borrower(s): TODD M HESSELTINE Property: 2329 W 20TH ST, GREELEY, CO 80634

CERTIFICATION I have carefully reviewed the Settlement Statement and to the best of my knowledge and belief, certify that it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction. I further certify that I have received a copy of the Settlement Statement.

SIGN01



(Seller) (Date) (Seller) (Date)

(Seller) (Date) (Seller) (Date)

To the best of my knowledge, the HUD-1 Settlement Statement which I have prepared is a true and accurate account of the funds which were (i) received, or (ii) paid outside closing, and the funds received have been or will be disbursed by the undersigned as part of the settlement of this transaction. I further certify that I have obtained the above certifications, which were executed by the borrower(s) and seller(s) as indicated. EQUITY NATIONAL

SIGNCOMPANYESCROW JENNIFER COTE (Settlement Agent) (Date)

Servicing Disclosure Statement Application The Compliance Source, Inc. Page 1 of 1 00501MU 06/98 Rev. 12/08 www.compliancesource.com ©1998, The Compliance Source, Inc.

*+0220551709+0077+1+1*

Loan No.: 0220551709

SERVICING DISCLOSURE STATEMENT Date: May 23, 2013 Applicant(s): TODD M HESSELTINE Lender: SUNTRUST MORTGAGE, INC. Property: 2329 W 20TH ST, GREELEY, CO 80634 NOTICE TO FIRST LIEN MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED. You are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. Section 2601 et seq.). RESPA gives you certain rights under Federal law. This statement tells you whether the servicing for this loan may be transferred to a different loan servicer. “Servicing” refers to collecting your principal, interest, and escrow payments, if any, as well as sending any monthly or annual statements, tracking account balances, and handling other aspects of your loan. You will be given advance notice before a transfer occurs. SERVICING TRANSFER INFORMATION The following is the best estimate of what will happen to the servicing of your mortgage loan:

A. We may assign, sell or transfer the servicing of your loan while the loan is outstanding.

OR B. We do not service mortgage loans, of the type for which you have applied. We intend to assign, sell or

transfer the servicing of your mortgage loan before the first payment is due. OR

C. The loan for which you have applied will be serviced at this financial institution and we do not intend to sell, transfer, or assign the servicing of the loan.

ACKNOWLEDGMENT OF RECEIPT

I have read this disclosure statement and understand its contents as evidenced by my signature(s) below. Words used in this Servicing Disclosure Statement mean and include the plural and vice versa.

SIGN01

TODD M HESSELTINE (Applicant) (Date) (Applicant) (Date)

(Applicant) (Date) (Applicant) (Date)

Notice of Right to Cancel (H8) The Compliance Source, Inc. Page 1 of 1 02201MU 12/97 Rev. 02/07 www.compliancesource.com ©1997, The Compliance Source, Inc.

*+0220551709+0075+1+1*

Loan No.: 0220551709

MIN.: 100010402205517091 Lender: SUNTRUST MORTGAGE, INC. Property: 2329 W 20TH ST, GREELEY, CO 80634

NOTICE OF RIGHT TO CANCEL

YOUR RIGHT TO CANCEL. You are entering into a transaction that will result in a mortgage, lien or security interest on/in your home. You have a legal right under federal law to cancel this transaction, without cost, within three (3) business days from whichever of the following events occurs last:

(1) the date of the transaction, which is; May 25, 2013 ; or (2) the date you received your Truth in Lending disclosures; or(3) the date you received this notice of your right to cancel.

If you cancel the transaction, the mortgage, lien or security interest is also canceled. Within twenty (20) calendar days after we receive your notice, we must take the steps necessary to reflect the fact that the mortgage, lien or security interest on/in your home has been canceled, and we must return to you any money or property you have given to us or to anyone else in connection with this transaction.

You may keep any money or property we have given you until we have done the things mentioned above, but you must then offer to return the money or property. If it is impractical or unfair for you to return the property, you must offer its reasonable value. You may offer to return the property at your home or at the location of the property. Money must be returned to the address below. If we do not take possession of the money or property within twenty (20) calendar days of your offer, you may keep it without further obligation.

HOW TO CANCEL. If you decide to cancel this transaction, you may do so by notifying us in writing, at: SUNTRUST MORTGAGE, INC.

31 INWOOD ROAD ROCKY HILL, CT 06067

You may use any written statement that is signed and dated by you and states your intention to cancel, or you may use this notice by dating and signing below. Keep one (1) copy of this notice because it contains important information about your rights.

If you cancel by mail or telegram, you must send the notice no later than midnight of, May 30, 2013 ,(or midnight of the third business day following the latest of the three events listed above). If you send or deliver your written notice to cancel some other way, it must be delivered to the above address no later than that time.

I WISH TO CANCEL. Date: (Consumer)

RECEIPT OF NOTICE. I hereby acknowledge that the transaction identified on the face of this Notice was consummated and that I have received one (1) copy of the Federal Truth in Lending Disclosure and two (2) copies of this Notice. Do not sign unless the dates in the boxes are completed.

SIGN01 Date:TODD M HESSELTINE (Consumer)

Notice of Right to Cancel (H8) The Compliance Source, Inc. Page 1 of 1 02201MU 12/97 Rev. 02/07 www.compliancesource.com ©1997, The Compliance Source, Inc.

*+0220551709+0075+1+1*

Loan No.: 0220551709

MIN.: 100010402205517091 Lender: SUNTRUST MORTGAGE, INC. Property: 2329 W 20TH ST, GREELEY, CO 80634

NOTICE OF RIGHT TO CANCEL

YOUR RIGHT TO CANCEL. You are entering into a transaction that will result in a mortgage, lien or security interest on/in your home. You have a legal right under federal law to cancel this transaction, without cost, within three (3) business days from whichever of the following events occurs last:

(1) the date of the transaction, which is; May 24, 2013 ; or (2) the date you received your Truth in Lending disclosures; or(3) the date you received this notice of your right to cancel.

If you cancel the transaction, the mortgage, lien or security interest is also canceled. Within twenty (20) calendar days after we receive your notice, we must take the steps necessary to reflect the fact that the mortgage, lien or security interest on/in your home has been canceled, and we must return to you any money or property you have given to us or to anyone else in connection with this transaction.

You may keep any money or property we have given you until we have done the things mentioned above, but you must then offer to return the money or property. If it is impractical or unfair for you to return the property, you must offer its reasonable value. You may offer to return the property at your home or at the location of the property. Money must be returned to the address below. If we do not take possession of the money or property within twenty (20) calendar days of your offer, you may keep it without further obligation.

HOW TO CANCEL. If you decide to cancel this transaction, you may do so by notifying us in writing, at: SUNTRUST MORTGAGE, INC.

31 INWOOD ROAD ROCKY HILL, CT 06067

You may use any written statement that is signed and dated by you and states your intention to cancel, or you may use this notice by dating and signing below. Keep one (1) copy of this notice because it contains important information about your rights.

If you cancel by mail or telegram, you must send the notice no later than midnight of, May 29, 2013 ,(or midnight of the third business day following the latest of the three events listed above). If you send or deliver your written notice to cancel some other way, it must be delivered to the above address no later than that time.

I WISH TO CANCEL. Date: (Consumer)

RECEIPT OF NOTICE. I hereby acknowledge that the transaction identified on the face of this Notice was consummated and that I have received one (1) copy of the Federal Truth in Lending Disclosure and two (2) copies of this Notice. Do not sign unless the dates in the boxes are completed.

SIGN02 Date:PORTIA D. HESSELTINE (Consumer)

Multistate Fixed Rate Note—Single Family—Fannie Mae/Freddie Mac Uniform Instrument Form 3200 1/01 The Compliance Source, Inc. Page 1 of 3 12601MU 08/00 Rev. 02/10 www.compliancesource.com ©2000-2010, The Compliance Source, Inc.

*+0220551709+00BD+1+3*

Loan No.: 0220551709

NOTE

MIN.: 100010402205517091

May 25, 2013 GREELEY Colorado [Date] [City] [State]

2329 W 20TH ST, GREELEY, CO 80634 [Property Address]

1. BORROWER’S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $160,465.00 (this amount is called “Principal”), plus interest, to the order of the Lender. The Lender is SUNTRUST MORTGAGE, INC.. I will make all payments under this Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the “Note Holder.” 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of 3.875%. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay Principal and interest by making a payment every month. I will make my monthly payment on the 1st day of each month beginning on July 1, 2013. I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on June 1, 2038, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the “Maturity Date.” I will make my monthly payments at P.O. BOX 79041, BALTIMORE, MD 21279-0041 or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S. $835.96. 4. BORROWER’S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a “Prepayment.” When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such


*+0220551709+00BD+2+3*

loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I owe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. 6. BORROWER’S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.000% of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder’s Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys’ fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person, who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS I and any other person who has obligations under this Note waive the rights of presentment and Notice of Dishonor. “Presentment” means the right to require the Note Holder to demand payment of amounts due. “Notice of Dishonor” means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the “Security Instrument”), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows:


*+0220551709+00BD+3+3*

If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender’s prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law.

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

WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. SIGN01 (Seal) (Seal) TODD M HESSELTINE -Borrower -Borrower

(Seal) (Seal) -Borrower -Borrower

[Sign Original Only]

Colorado Deed of Trust—Single Family—Fannie Mae/Freddie Mac Uniform Instrument Form 3006 1/01 MERS Modified The Compliance Source, Inc. Page 1 of 16 Modified by Compliance Source 14301CO 08/00 Rev. 12/12 www.compliancesource.com ©2000-2012, The Compliance Source, Inc.

*+0220551709+00AD+1+16*

After recording please return to: SUNTRUST MORTGAGE, INC. RVW 5093 1001 SEMMES AVENUE RICHMOND, VIRGINIA 23224PARCEL ID: R2324186 _____________________________[Space Above This Line For Recording Data]___________________________

MIN: 100010402205517091

DEED OF TRUST DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) “Security Instrument” means this document, which is dated May 25, 2013, together with all Riders to this document. B) “Borrower” is TODD M. HESSELTINE, PORTIA D. HESSELTINE. Borrower is the trustor under this Security Instrument. (C) “Lender” is SUNTRUST MORTGAGE, INC.. Lender is a corporation organized and existing under the laws of THE COMMONWEALTH OF VIRGINIA. Lender’s address is 901 SEMMES AVENUE, RICHMOND, VA 23224. (D) “Trustee” is the Public Trustee of WELD County, Colorado. (E) “MERS” is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender’s successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (F) “Note” means the promissory note signed by Borrower and dated May 25, 2013. The Note states that Borrower owes Lender One Hundred Sixty Thousand Four Hundred Sixty Five and 00/100ths Dollars (U.S.


*+0220551709+00AD+2+16*

$160,465.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than June 1, 2038. (G) “Property” means the property that is described below under the heading “Transfer of Rights in the Property.” (H) “Loan” means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (I) “Riders” means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]:

Adjustable Rate Rider Condominium Rider Second Home Rider Balloon Rider Planned Unit Development Rider Biweekly Payment Rider 1-4 Family Rider Revocable Trust Rider Other(s) [specify]

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


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(P) “Periodic Payment” means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (Q) “RESPA” means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, “RESPA” refers to all requirements and restrictions that are imposed in regard to a “federally related mortgage loan” even if the Loan does not qualify as a “federally related mortgage loan” under RESPA. (R) “Successor in Interest of Borrower” means any party that has taken title to the Property, whether or not that party has assumed Borrower’s obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY The beneficiary of this Security Instrument is MERS (solely as a nominee for Lender and Lender’s successors and assigns) and the successors and assigns of MERS. This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower’s covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower, in consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in the

COUNTY of WELD [Type of Recording Jurisdiction] [Name of Recording Jurisdiction]

SEE ATTACHED SCHEDULE A

which currently has the address of 2329 W 20TH ST [Street]

GREELEY, Colorado 80634 (“Property Address”):[City] [Zip Code]

TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the “Property.” Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender’s successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right


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


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repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the “Funds”) to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called “Escrow Items.” At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower’s obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower’s obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower’s obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase “covenant and agreement” is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA.


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If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender’s opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term “extended coverage,” and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender’s right to disapprove Borrower’s choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender’s option and Borrower’s expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower’s equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts


*+0220551709+00AD+7+16*

disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender’s right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender’s security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender’s satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender’s security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower’s rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower’s rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower’s principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower’s principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower’s control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that


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repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower’s obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower’s Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower’s knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower’s occupancy of the Property as Borrower’s principal residence. 9. Protection of Lender’s Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender’s interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender’s interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender’s actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys’ fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the


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Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender’s requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower’s obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower’s payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer’s risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer’s risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed “captive reinsurance.” Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower has – if any – with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender’s security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender’s satisfaction, provided


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that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender’s security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. “Opposing Party” means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender’s judgment, could result in forfeiture of the Property or other material impairment of Lender’s interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender’s judgment, precludes forfeiture of the Property or other material impairment of Lender’s interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender’s interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of


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Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender’s acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower’s obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a “co-signer”): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer’s interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer’s consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower’s obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower’s rights and benefits under this Security Instrument. Borrower shall not be released from Borrower’s obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower’s default, for the purpose of protecting Lender’s interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys’ fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower’s acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower’s notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower’s change of address. If Lender specifies a procedure for reporting Borrower’s change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail


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to Lender’s address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word “may” gives sole discretion without any obligation to take any action. 17. Borrower’s Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, “Interest in the Property” means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender’s prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower’s Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower’s right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys’ fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender’s interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender’s interest in the Property and rights under this Security Instrument, and Borrower’s obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer’s check or cashier’s check, provided any such check is drawn upon an institution whose deposits are insured by a


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federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the “Loan Servicer”) that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party’s actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period, which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) “Hazardous Substances” are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) “Environmental Law” means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) “Environmental Cleanup” includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an “Environmental Condition” means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous


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Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower’s breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure procceeding the non-existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys’ fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give written notice to Trustee of the occurrence of an event of default and of Lender’s election to cause the Property to be sold. Lender shall mail a copy of the notice to Borrower as provided in Section 15. Trustee shall record a copy of the notice in the county in which the Property is located. Trustee shall publish a notice of sale for the time and in the manner provided by Applicable Law and shall mail copies of the notice of sale in the manner prescribed by Applicable Law to Borrower and to the other persons prescribed by Applicable Law. After the time required by Applicable Law, Trustee, without demand on Borrower, shall sell the Property at public auction to the highest bidder for cash at the time and place and under the terms designated in the notice of sale in one or more parcels and in any order Trustee determines. Trustee may postpone sale of any parcel of the Property by public announcement at the time and place of any previously scheduled sale. Lender or its designee may purchase the Property at any sale. Trustee shall deliver to the purchaser Trustee’s certificate describing the Property and the time the purchaser will be entitled to Trustee’s deed. The recitals in the Trustee’s deed shall be prima facie evidence of the truth of the statements made therein. Trustee shall apply the proceeds of the sale in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable Trustee’s and attorneys’ fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall request that Trustee release this Security Instrument and shall produce for Trustee, duly cancelled, all notes evidencing debts secured by this Security Instrument. Trustee shall release this Security Instrument without further inquiry or liability. Borrower shall pay any recordation costs and the statutory Trustee’s fees.


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24. Waiver of Homestead. Borrower waives all right of homestead exemption in the Property. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it.

SIGN01 (Seal) SIGN02 (Seal) TODD M HESSELTINE -Borrower PORTIA D. HESSELTINE -Borrower (Seal) (Seal) -Borrower -Borrower

ACKNOWLEDGMENT

State of NSTATE01 § § County of NCOUNTY01 §

The foregoing instrument was acknowledged before me this NDATE01 by TODD M HESSELTINE.

NSEAL01

NOTARY01

Signature of Person Taking Acknowledgment NCNAME01

Printed Name NCTITLE01

Title or Rank

(Seal) Serial Number, if any: NSERIAL01


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ACKNOWLEDGMENT


The foregoing instrument was acknowledged before me this NDATE02 by PORTIA D. HESSELTINE.

NSEAL02

NOTARY02



Title or Rank (Seal) Serial Number, if any: NSERIAL02


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After recording please return to: SUNTRUST MORTGAGE, INC. RVW 5093 1001 SEMMES AVENUE RICHMOND, VIRGINIA 23224PARCEL ID: R2324186 _____________________________[Space Above This Line For Recording Data]___________________________

MIN: 100010402205517091

DEED OF TRUST DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) “Security Instrument” means this document, which is dated May 25, 2013, together with all Riders to this document. B) “Borrower” is TODD M. HESSELTINE, PORTIA D. HESSELTINE. Borrower is the trustor under this Security Instrument. (C) “Lender” is SUNTRUST MORTGAGE, INC.. Lender is a corporation organized and existing under the laws of THE COMMONWEALTH OF VIRGINIA. Lender’s address is 901 SEMMES AVENUE, RICHMOND, VA 23224. (D) “Trustee” is the Public Trustee of WELD County, Colorado. (E) “MERS” is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender’s successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (F) “Note” means the promissory note signed by Borrower and dated May 25, 2013. The Note states that Borrower owes Lender One Hundred Sixty Thousand Four Hundred Sixty Five and 00/100ths Dollars (U.S.