COMPLAINT 0af2d3de 1c7b 4f46 Ba10 Fa9ac69a8efb

Filing # 60441974 E-Filed 08/15/2017 04:14:44 PM
ENT THE CIRCUIT COURT OF THE THIRTEENTH JUDICIAL aRcurr

IN AND FOR HILLSBOROUGH COUNTY, FLORIDA
CIVIL DIVISION
BRANCH BANKING AND TRUST

COMPANY,
Plaintiff, I Case#:
JAMILA A YOUNQ KENNETH W.

BRASCOM, AYERSWORTH GLEN
HOMEOWNERS ASSOCIATION, INC,
CLERK OF THE CIRCUIT COURT IN AND
FOR HILLSBOROUGH COUNTY, FLORIDA
A POLITICAL SUBDIVISION OF THE STATE
OF FLORIDA, LAURA D. FORSTER,
DARRYL ELIZABETH ROGERS, LATONYA
NICOLE CREWS, UNKNOWN TENANT IN
POSSESSION 1, UNKNOWN TENANT IN
POSSESSION 2, UNKNOWN SPOUSE OF
JAMILA A. YOUNG, UNKNOWN SPOUSE OF
KENNETH W. BRASCOM,
Defendant(s).
VERIFIED COMPLAINT TO FORECLOSE MORTGAGE
A
Plaintiff, BRANCH BANKING AND TRUST COMPANY, sues the Defendant(s) JAMILA
YOUNC KENNETH W. BRASCOM, AYERSWORTH GLEN HOMEOWNERS ASSOCIATION,
FLORIDA
INC, CLERK OF THE CIRCUIT COURT IN AND FOR HILLSBOROUGH COUNTY,
A POLITICAL SUBDIVISION OF THE STATE OF FLORIDA, LAURA D. FORSTER, DARRYL
ELIZABETH ROGERS, LATONYA NICOLE CREWS, UNKNOWN TENANT IN POSSESSION
OF JAMILA A. YOUNQ
1, UNKNOWN TENANT IN POSSESSION 2, UNKNOWN SPOUSE
UNKNOWN SPOUSE OF KENNETH W. BRASCOM, and states:
COUNT I-MORTGAGE FORECLOSURE
1. This is foreclose a mortgage on real property located in

an action to
HILLSBOROUGH County, Florida and by reason thereof the venue for this matter is in
HILLSBOROUGH County, Florida.
2. JAMILA A YOUNG executed and delivered a Promissory Note ("Note') dated

and delivered a
August 18, 2009 and JAMILA A. YOUNG and KENNETH W. BRASCOM executed
recorded on
Mortgage dated August 18, 2009 securing payment of the Note. The Mortgage
was
of the Public Records of

September 2, 2009, in Official Records Book 19444, at page 1179,
HILLSBOROUGH County, Florida, and mortgaged the real property ("Property") described therein.
References made herein to "Borrower" refer to the individual(s) executing the Note; "Mortgagor"
refers to those the Mortgage. True and correct copies of said Note and Mortgage, are
executing
attached hereto as Exhibit "A" and Exhibit "B" respectively.
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Firm
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3. The described subject Mortgage was subsequently assigned to Plaintiff. Copies of the
relevant Assignments of Mortgage are attached as Composite Exhibit C.
4. Plaintiff is in physical possession of the Note endorsed in blank which is the subject
of this action and therefore, is the holder of that Note.
5. The Mortgage was a purchase money mortgage was given to secure a loan for the
acquisition of the Property. The Mortgage is superior in dignity to any prior or subsequent right,
title, claim, lien or interest of the Defendants named herein or any person claiming by, through or
under said Defendants since the institution of this suit.
6. Defendants, JAMILA A. YOUNG and KENNETH W. BRASCOM, are the current

owner(s) property which is the subject of the Mortgage.
of the real
7. There has been a default in the payment of the amounts due under the Note and
Mortgage in that the payment due for November 1, 2016 and all subsequent payments have not been
made.
8. Plaintiff has and hereby declares the full amount payable under the Note and
Mortgage to be due and payable.
9. All conditions precedent to filing of this action have been performed or have
occurred.
10. Borrower(s), as maker(s) of the Note, may be held personally liable for a deficiency,
if any, unless Borrower(s) has/have discharged the subject debt in bankruptcy, in which event no
deficiency is or will be sought.

11. There is now due and owing the principal sum of $ 131,173.19, together with all sums
that may be due for interest, taxes, insurance, escrow advances and/or fees for inspections, property
preservations or other expenses incurred to protect the property, and expenses and costs of suit
including but not limited to filing fees, recording fees, title search and examination fees, fees due for
service of process and such other costs as may be allowed by this Court.
12. Plaintiff has and will incur reasonable attorneysfees and therefore, seeks to be
awarded these fees.
13. Defendants, UNKNOWN TENANT IN POSSESSION 1 and UNKNOWN TENANT

IN POSSESSION 2, are joined by vjrtue of any right, title or interest said Defendants may claim as
tenants in the property pursuant to a lease agreement, either written or oral. Said interest is subject,
subordinate, and inferior to the lien of the Mortgage held by Plaintiff.
14. Defendant, UNKNOWN SPOUSE OF JAMILA A. YOUNQ is joined by virtue of

any right, title or interest said Defendant may claim by virtue of marriage to Defendant, Jamila A.
Young, and/or by virtue of joining in and executing the subject Mortgage. Said interest is subject,
subordinate, and inferior to the lien of the Mortgage held by Plaintiff.
15. Defendant, UNKNOWN SPOUSE OF KENNETH W. BRASCOM is joined by virtue

of any right, title or interest said Defendant may claim by virtue of marriage to Defendant, Kenneth
W. Brascom, and/or by virtue of joining in and executing the subject Mortgage. Said interest is
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subject, subordinate, and inferior to the lien of the Mortgage held by Plaintiff.
16. Defendant, AYERSWORTH GLEN HOMEOWNERS ASSOCIATION, INC, is
joined by virtue of any right, title or interest said Defendant may claim under F.S. 718.116 and/or
720.3085 or pursuant to the association's declaration or other covenants.
17. The Defendant(s), CLERK OF THE CIRCUIT COURT IN AND FOR

HILLSBOROUGH COUNTY, FLORIDA, A POLITICAL SUBDIVISION OF THE STATE OF
FLORIDA, has or claims to have an interest in the aforesaid property by reason of that certain
Judgment recorded in Official Records Book 13116, at page 465, of the public records of
Hillsborough County, Florida, however, any right title, interest or claim of said Defendant(s) in and
to said property is subordinate in time and inferior in right to the rights, powers and privileges of the
Plaintiff herein, and Plaintiff s Mortgage is superior in time and right to any and all rights, title and
interest claimed by said Defendant(s).
18. The Defendant(s), LAURA D. FORSTER, has or claims to have an interest in the
aforesaid property by reason of that certain Judgment recorded in Official Records Book 13116, at
interest or
page 465, of the public records of Hillsborough County, Florida, however, any right title,
claim of said Defendant(s) in and to said property is subordinate in time and inferior in right to the
rights, powers and privileges of the Plaintiff herein, and Plaintiff Mortgage superior time and
s is in
right to any and all rights, title and interest claimed by said Defendant(s).
19. The Defendant(s), CLERK OF THE CIRCUIT COURT IN AND FOR
Plaintiff herein, and Plaintiff s Mortgage is superior in time and right to any and all rights, title and
20. The Defendant(s), DARRYL ELIZABETH ROGERS, has or claims to have an

interest in the aforesaid property by reason of that certain Judgment recorded in Official Records
Book 18515, at page 825, of the public records of Hillsborough County, Florida, however, any right
title, interest or claim of said Defendant(s) in and to said property is subordinate in time and inferior
in right to the rights, powers and privileges of the Plaintiff herein, and Plaintiff s Mortgage is
superior in time and fight to any and all rights, title and interest claimed by said Defendant(s).
21. The Defendant(s), CLERK OF THE CIRCIHT COURT IN AND FOR
Plaintiff herein, and Plaintiffs Mortgage is superior in time and right to any and all rights, title and
22. The Defendant(s), LATONYA NICOLE CREWS, has or claims to have an interest in
the aforesaid property by reason of that certain Judgment recorded in Official Records Book 21106,
at page 1806, of the public records of Hillsborough County, Florida, however, any right title, interest
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or claim of said Defendant(s) in and to said property is subordinate in time and inferior in right to the
rights, powers and privileges of the Plaintiff herein, and Plaintiffs Mortgage is superior in time and
right to any and all rights, title and interest claimed by said Defendant(s).
WIIEREFORE, Plaintiff respectfully requests that this Court enter judgment foreclosing the
Mortgage; and (a) enumerating all amounts this Court determines due to Plaintiff pursuant to said
Note and Mortgage and award attorneysfees, costs, outstanding principal, interest, advances (b)
ordering the Clerk of the Court to sell the subject property to satisfy the amount due Plaintiff, in
whole or in part; (c) adjudging that the right, title and interest of any party claiming by, through,
under against any Defendant named herein be deemed inferior and subordinate to the Plaintiffs
or
Mortgage lien and forever be barred and foreclosed; (d) retaining jurisdiction of this Court in this
action to make any and all further orders and judgments as may be necessary and proper, including
issuance of writ of possession and the entry of a deficiency judgment if the proceeds of the sale are
insufficient to pay Plaintiff s claim (no deficiency judgment shall be sought against those parties who
have discharged the debt in bankruptcy pursuant to the provisions of the Bankniptcy Code 11 U.S.C.
Section 101, et seq. or where a bankruptcy court only granted Plaintiff or its predecessors-in-interest
in rem relief from the bankruptcy automatic stay; and, (e) for such other and further relief as this
Court may deem just and proper.
VERIFICATION
Under penalty of perjury, I declare that I have read the foregoing, and the facts alleged therein are
true and correct to the best of my knowledge and belief, and that I am authorized to make this
Complaint by Branch Banking and Trust Company
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*Pursuant to Fla. R. Jud. Adrnin. 2.516(b)(1)(A), Plaintiff's counsel hereby designates its
primary email address for the purposes of email service as: MR.Service@mrpllc.com
DATED:
McCalla Raymer Pierce, LLC

Attorneys for Plaintiff
225 E. Robinson St. Suite 155
Orlando, FL 32801
Telephone: (407) 674-1850
Fax:(321) 248-0420
Email: MRS ervice mrpllc. c om
Brian Hummel, Esq.

oriKdaritr:Zirrd
51 31 8
FL Bar #46162
Pursuant to the Fair Debt Collections Practices Act, you are advised that this office may be deemed a
debt collector and any information obtained may be used for that purpose.
Page 4 of 4
Firm

EXHIBIT A

MIN #:
NOTE
August 18, 2009 Tampa FLORIDA
[Date] [City] [State]
10741 Standing Stone 0r,

Wimauma, FL 33598
[Property Addre,s1
1. BORROWER'S PROMISE TO PAY

In return for a loan that I have received, I promise to pay U.S. S 147,959.00 (this amount is called "Principal"),
order of the Lender. The Lender is Branch Bank i ng and Trust Company
plus interest, to the
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 Notc by transfer and who is
entitled to receive payments under this Note is called the "Note Holder."
2. INTEREST
I will pay interest at a yearly
Interest will be charged on unpaid principal until the full amount of Principal has been paid.
rate of 5.500 %.
in Section 6(B)
The interest rate required by this Section 2 is the rate I will pay both before and after any default described
of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by making a payment every month.
day of each month beginning on October 01, 2009, will
I
I will make my monthly payment on the 1 s t
other charges described below that I
make these payments every month until I have paid all of the principal and interest and any
will be applied as of its scheduled due date and will be applied to interest
may owe under this Note. Each monthly payment
those amounts in full on
before Principal. If, on September 01. 2039, I still owe arnounts under this Note, will pay
I
that date, which is called the "Maturity Date."

I will make my monthly payments at 223 West Nash Street, Wi 1 son, NC 27893
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. $ 840.09
4. BORROWEWS RIGHT TO PREPAY

I have the right to make payrnents 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
if I have not made ail the monthly payments due under the Note.
payment as a Prepayment
I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder
will use my
the Note Holder may apply my
Prepayments to reduce the amount of Principal that I owe under this Note. However, to reduce the
Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment
amount of the Note. If I make a there will be no changes in the due date or in the amount of my
partial Prepayment,
Principal
monthly payment unless the Note Holcter agrees in writing to those changes.
FLORIDA FIXED RATE NOTE &ogle Forelly Fannie IA aolFroddie Mac UNIFORM INSTRUMENT
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5. LOAN CHARGES
the interest or other
If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that
loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge
shall be reduced by the arnount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from
me which exceeded permitted lirnits will be refunded to me. The Note Holder may choose to make this refund by reducing the
a direct payment to me. If a refund reduces Principal,
the reduction will be t.reated
Principal I owe under this Note or by making
as a partial Prepayment.
6. BORROWEWS FAILURE TO PAY AS REQUIRED

(A) Late Charge for Overdue Payments
f teen calendar days
If the Note Holder has not received the full amount of any monthly payment by the end of Fi
the Note Holder. The arnount of the charge will be 5.000% of
after the date it is due, I will pay a late charge to
and interest. I will this late charge promptly but only once on each late payment.
my overdue payment of principal pay
(B) Default
If I do net pay the full amount of e.ach monthly payrnent on the date it is due, I will be in default.
(C) Notice of Default

I not pay the overdue amount by a
If 1 ani in default, the Note Holder may send me a written notice telling me that if do
the full amount of Principal which has not been paid and all
certain date, the Note Holder may require me to pay immediately
least 30 days after the date which the notice is mailed to me or
the interest that I owe on that amount. That date must be at on
delivered by other means.
(D) No Waiver By Note Holder

require me to immediately in full as described
Even if, time when I amin default, the Note Holder does not
at a pay
the Note Holder will still have the right to do so if I am in default at a later time.
above,
(E) Payment of Note Holder's Costs and Expenses

Note Holder will have the right to
If the Note Holder has required me to pay immediately in full as described above, the
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 exarnple, reasonable attorneysfees.
7. GIVING OF NOTICES
a different method, any notice that must be given to me
under this Note will be given by
Unless applicable law requires
Address above at a different address if I give the Note
delivering it or by mailing it by first class mail to me at the Property or
Holder a notice of my different address.

will be given by delivering it or by mailing it by first
Any notice that must be given to the Note Holder under this Note
the address stated in Section 3(A) above or at a different address if I am given a notice of that
class mail to the Note Holder at
different address.
8. OBLIGATIONS OF PERSONS UNDER THIS NOTE

the promises made in
If more than one person signs this Note, each person is fully and personally obligated to keep all of
endorser of this Note is
this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety
or
the obligations of guarantor, surety

also obligated to do these things. Any person who takes over these obligations, including
a
all of the promises made in this Note. Thc Note Holder may enforce its rights
or endorser of this Note, is also obligated to keep
of us may be required to
under this Note against each person individually or against all of us together. This means that any one
pay all of the amounts owed under this Note.
9. WAIVERS
Dishonor.
I and any other person who has obligations under this Note waive the rights of Presentment and Notice of
of Dishonor" the
"Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice
means
right to require the Note Holder to give notice to other persons that amounts due have not been paid.
EAV
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RATE NOTE -
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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:
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 Lenders prior written
consent, Lender may require immediate payment in full of all su.ms 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 of not less than 30 days from the date the notice is given in accordance with Section 15
period
within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these
sunis prior to the expiration of this period, Lender may invoke any remedies permitted by this Security
Instrument without further notice or demand on Borrower.
11. DOCUMENTARY TAX

The state documentary tax due on this Note has been paid on the mortgage securing this indebtedness.
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED

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(Seal)
mil a A Young; (Seal)
-Borrower -Borrower
(Seal) (Seal)
-Borrower -BorrOV/Cr
WITHOUT RECOURSE
PAY TO THE ORDER OF
(Seal) (Seal)
'
-Borrower -BOrrOW Cr
BRANCH BANKINO AND TRUST COMPANY
BY
/ULM M. 14/0...Millit., VP
(Seal) (Seal)
-Borrower -Borrower
[Sign Original Only]
Fannie Mee/Freddie Mac UNIFORM 1NSTRUMBT Form 110 1

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EXHIBIT B

INSTRUMENT#: 2009290698, 0 BK 19444
PG 1179-1198 09/02/2009 at 12:19:10 PM,
DOC TAX PD(F.S.201.08) $518.00 INT.TAX
PD
Return To: $295.92 DEPUTY CLERK: YROCHE
(F.S.199)
Paranount Title Corporation Pat Frank, Clerk of the Circuit Court
K. Konecsny Hillsborough County
1502 W. Fletcher Avenue, Suite 101
Tanpa, FL 33612
File O.
This document was prepared by:
D. Yletzer
mwr
301 College St.
Greenville, SC 29601
iSpace Above This Line For Recording Nisi
MORTGAGE
MTN
DEFINITIONS
are defined below and other words are
defined in
Words used in rnultiple sections of this document used in this document are
rules regarding the usage of words
Sections 3, 11, 13, 18, 20 and 21. Certain
also provided in Section 16.
AUgu8t 18, 2009
which is dated
(A) "Security Instrument" means this document,
together with all Riders to this document.

Jamll
(B) "Borrower" is a A
Young, a single woman
Borrower is the mortgagor under this Security Instrument.

Inc. MERS is a separate corporation that is
(C) "NIERS" is Mortgage Electronic Registration Systems,
Lender's successors and assigns. MERS is the mortgagee
acting solely as a nominee for Lender and
and existing under the laws of Delaware, and has an
under this Security Instrument. MERS organized
is
MI 48501-2026, tel. (888) 679-MERS.
address and telephone number of P.O. Box 2026, Flint,
(D) "Lender" is Branch Banking and Trust Company
Form 3010 1/01

FLORIDA-Single Famlly-Fannie M aelFreddia Mac UNIFORM INSTRUMENT WITH MERS
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Lender is a Corporati on
organized and existing under the laws of NORTH CAROLINA
Nash Street, Wilson. NC 27893
Lender's address is 223 West
as of the date he reof

(E)"Note" means the promissory note Signed by I3orrower and dated
Lender One Hundred Forty Seven Thousand Nine
The Note states that Borrower owes
DoLars
Hundred Fifty Nine And Zero/100
this debt in regular Periodic
(U.S. $147,959,00 ) plus interest. Borrower has promised pay
to
ember 01. 2039
Payments and to pay the debt in full not later than Sept
means the property that is described below under the heading
"Transfer of Rights in the
(F) 'Property"
Property." and late charges
(G) TILoan" means the debt evidenced by the Note, plus interest, any prepayment charges
due under the Note, and all sum.s due under this Security Instrument, plus interst.
all Riders to this Security Instrurnent that are executed by Borrower.
The following
(II) "Riders" means
Riders are to be executed by Borrower [check box as applicable]:
I Condominium Ridcr TI Second Home Rider

1 1Adjustable Rate Rider F11-4 Family Rider
I I Balloon Rider [I Planned Unit Development Rider
1 I VA Rider 1 I Biweekly Payment Rider I 10ther(s) [specify]
federal, state and local statutes, regulations,

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

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and its
(P) "RESPA" means the Real Estate SettIetnent Procedures Act (12 U.S.C. Section 2601 et seq.)
C, F,R. Part 3500), as they might be amended from time to
implementing regulation, Regulation X (24
matter. As used
time, or any additional or successor legislation or regulation that govems the thatsubject
same
restrictions are imposed in regard
in this Security Instrument, "RESPA" refers to all requirements and
not qualify as a ''federally related mortgage
to a "federally related rnortgage loan" even if the Loan does
loan" under RESPA.
(Q) "Successor In Interest of Borrower" means any party that has taken title to the Property, whether or
not that party has assumed Borrowers obligations under the Note and/or
this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures Lender: (i) the repayment of the Loan, and all renewals, extensions and
to
under this
modifications of the Note; (ii) the performance of Borrower's covenants and agreements
and
and convey to
Security Instrument and the Note. For this purpose, Borrower does hereby mortgage,to grantthe successors and
MERS (solely as nominee for Lender and Lender's successors and assigns) and
in the County [Type of Recording Jurisdiction]
assigns of MERS, the following described property located
[Name of Recording Jurisdiction]
of Hil I s borough
which currently has the address of

Parcel 11) Number:
10741 Standing Stone Dr [street]
Wimauma [city], Florida 33598 [Zip Code]
("Property Address"):
and all
TOGETHER WITH all the improvements now or hereafter erected on the property,
now or hereafter a part of the property. All replacements
and
easements, appurtenances, and fixtures
is referred to in this
additions shall also be covered by this Security Instrument. AH of the foregoing
that MERS holds only legal title
Security Instrument as the "Property." Borrower understands and agrees if necessary to comply with law or
to the interests granted by Borrower in this Security Instrument, but,
has the right: to exercise any
custom, MERS (as nominee for Lender and Lender's successors and assigns)
or all of those interests, including, but not limited to,
the right to foreclose and sell the Property; and to
take action required of Lender including, hut not limited to, releasing and canceling this Security
any
Instrument.
WITH M
FLORIDA-Single Family-Fenn]. Mae/Freddie Mac UNIFORM INSTRUMENT
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Exhibit "A"
Lot 40, Block 1, AYERSWORTH GLEN, as per plat thereof, recorded in Plat Book 111, Page 166, of the
Public Records of Hillsborough County, Florida.

has
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and
is unencumbered, except for
the right to mortgage, grant and convey the Property and that the Property
and will defend generally the title to the Property against all
encurnbrances of record. Borrower warrants
claims and demands, subject any
to encumbrances of record,
non-uniform
THIS SECURITY INSTRUMENT combines uniform covenants for national use and
constitute uniform security instrument covering real
covenants with limited variations by jurisdiction to a
property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
and Late Charges.
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges,
interest the debt evidenced by the Note and any
Borrower shall pay when due the principal of, and on,
due under the Note. Borrower shall also pay funds for Escrow Items
prepayrnent charges and late charges
Instrument shall be made in U.S.
pursuant to Section 3. Payments due under the Note and this Security
received by Lender payment under the Note or this
currency. However, if any check or other instrument
as
all subsequent payments
Security Instrument is returned to Lender unpaid, Lender may require that any or
Instrument be made in one or rnore of the following forms, as
due under the Note and this Security
treasurers check OF
selected by Lender: (a) cash; (b) money order; (c) certified check, bank check,
is drawn institution whose deposits arc insured by a
cashier's check, provided any such check upon an
federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer.

location designated in the Note or at
Payments are deemed received by Lender when received the
at
such other location as may be designated by Lcnder 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
insufficient to bring the Loan
bring the Loan current, Lender may accept any payment or partial payment
its rights to refuse such payment or partial
current, without waiver of any rights hereunder or prejudice
to
is obligated apply
to such payments at the time such payrnents are
payments in the future, but Lender not
each Periodic Payment is applied of its scheduled due date, then Lender need not pay
accepted. If as
interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring
within reasonable period of time, Lender shall either apply
the Loan current. If Borrower does not do so a
earlier, such funds will be applied to the outstanding

such funds or return them to Borrower. If not applied
No offset or claim which Borrower
principal balance under the Note immediately prior to foreclosure.
shall relieve Borrower from making payments due under
might have now or in the future against Lender
the and agreements secured by this Security
the Note and this Security Instrument or performing covenants
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; (c) amounts due under Section 3. Such payments
due under the Note; (b) principal
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 rnay be applied to the delinquent payment and
Lender apply payment received
the late charge. If more than one Periodic Payment outstanding,
is may any
each payment
from Borrower to the repayment of the Periodic Payments if, and to the extent that,
FLORIDA-Single Family-Fannle Hae/Freddle Mac UNIFORM INSTRUMENT WITH M E

Pup 4 of 16 InlLLale Form 3010 1/01
Cri-6A(FL) (061 6)
4,)

in full. To the extent that any excess exists after the payment is applied to the full payment of
can be paid
one or more Periodic Payments, such excess applied
may be to any late due. Voluntary
charges
first prepayment charges and then as described in the Note.
prepayments shall be applied to any
under
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due
the Note shall not extend or postpone the due datc, or change the arnount, of the Periodic Payments.
are due
3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments
for of arnounts due
under the Note, until the Note is paid in full, a sum (the "Funds") to provide payment
for: (a) taxes and assmsments 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 required
and all insurance by Lender under Section 5; and (d) Mortgage Insurance
premiums, if any, or payable by Borrower to Lender in lieu of the payment of Mortgage
any sums
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
and
Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees
furnish Lender all notices of amounts to
assessments shall be an Escrow Item. Borrower shall promptly
to
unless Lender waives
be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items
waive Borrowers
Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may
Items time. Any such waiver may only be
obligation to pay to Lender Funds for any or all Escrow at any
Borrower shall pay directly, when and where payable, the amounts
in writing. In the event of such waiver,
for which of Funds has been waived by Lender and, if Lender requires,
due for any Escrow Items payment
shall furnish to Lender receipts evidencing such payment within such time period as Lender may require.
to make such payments and to provide receipts shall for all purposes
be deemed to
Borrower's obligation
be a and agreerncnt contained in this Security Instrument, as the phrase "covenant and agreement"
covenant
to a waiver, and
is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant
Borrower fails to pay the amount due for an Fsrrow Itern, Lender may exercise its rights under Section 9
under Section 9 to to Lender any such
and pay such amount and Borrower shall then be obligated repay
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 arnounts, that arc then required under this Section 3.
to permit Lender to apply
Lender rnay, at any time, collect and hold Funds in an arnount (a) sufficient
exceed the maximum arnount a lender can
the Funds at the time specified under RESPA, and (b) not to
shall estimate the amount of Funds due on the basis of current data and
require under RESPA. Lender with Applicable
reasonable estimates of expenditures of future Escrow Items or otherwise in accordance
Law.
The Funds shall be held in an deposits are insured by a federal agency,
institution whose
institution whose deposits are so insured) or in
entity (including Lender, if Lender is an
instrumentality, or
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
the escrow account, verifying the Escrow Items, unless Lender pays Borrower interest on the
analyzing or
is made in writing
Funds and Applicable Law permits Lender to make such a charge. Unless an agreernent
or Applicable Law requires interest to be paid on the Funds,
Lender shall not be required to pay Borrower
Fund.s, Borrower and Lender can in writing, however, that interest
any interest or earnings on the agree
Mac UNIFORM INSTRUMENT WITH M

FLORIDA-Single Famlly-Fannla Mae/Freddle
00-6A(FL) (051o) Pap 5 of 1
onliZSAI Form 301 0 1 10 1
4_a

annual accounting of the
shall be paid on the Funds. Lender shall give to Borrower, without charge, an
Funds as required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall
account to
RESPA. If there is shortage of Funds held in escrow,
Borrower for the excess funds in accordance with a
required by RESPA, and Borrower shall pay to

as defined under RESPA, Lender shall .notify Borrower as
than 12
Lender the amount necessary to make up the shortage in accordance with RESPA, but in
no more
defined under RESPA, Lender shall

rnonthly payments. If there is a deficiency of Funds held in escrow, as
to make
notify Borrower as by RESPA, and Borrower shall pay to Lender thc amount necessary
required
up the deficiencyin araordance with RESPA, but in no rnore than 12 monthly payrnents.
shall promptly refund
Upon payment in fiill of all sums secured by this Security Instrument, Lender
to Borrower any Funds held by Lender.
and impositions
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines,
this Security Instrument, leasehold payments or
attributable to the Property which can attain priority over
Association Dues, Fees, and Assessments, if any. To

ground rents on the if
Property, any, and Community
in the provided in Section 3.
the extent that these items are Escrow Items, Borrower shall pay them manner
lien which has priority this Security Instrument unless

Borrower shall promptly discharge any over
lien in a manner acceptable
Borrower: (a) agrees in writing to the payment of the obligation secured by the
to Lender, but only so long as Borrower is performing such agreement; (b) contests thc lien in good faith
by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to
but only until such proceedings
prevent the enforcement of the lien while those proceedings are pending,
are concluded; or secures from the holder of the
(c) lien an agreement satisfactory to Lender subordinating
is subject to a lien
the lien to this Security Instrument. If Lender determines that any part of the Property
the
which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying
is given, Borrower shall satisfy the lien or take one or
lien. Within 10 days of the date on which that notice
more of the actions set forth above in this Section 4.
tax verification and/or
Lender may require Borrower to pay a one-time charge for a real estate
reporting service used by Lender in connection with this Loan. or hereafter erected on
5. Property Insurance. Borrower shall keep the improvements now existing
the Property insured against loss by tire, hazards included within the term ''extended coverage," and any
other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance.
in the amounts (including deductible levels) and for the periods that
This insurance shall be maintained
the term of
Lender requires. What Lender requires pursuant to the preceding sentences can change during
be chosen by Borrower subject to Lender's
the Loan. The insurance carrier providing the insurance shall
which shall be exercised unreasonably. Lender may
right to disapprove Borrower's choice, right not
either: (a) a one-time charge for flood zone
require Borrower to pay, in connection with this Loan,
flood zone determination
determination, certification and tracking services; or (b) a one-time charge for
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
the Federal Emergency Management Agency in connection with the
payment of any fees imposed by
review of any flood zone determination resulting from an objection by Borrower.
Mac UNIFORM INSTRUMENT WfTH

FLORIDA-Single Family-Fannie Mae/Freddle 1/01
Pogo 5 of 1 e niii,. Fomi 3010
-6A(FL) (0olo)
l/15/2017 4:14 PM Electronically Filed: Hillsborough County/13th Judicial Circuit Page 16

obtain insurance
If Borrower fails to maintain any of the coverages described above, Lender may
Lender is under obligation to purchase any
coverage, at Lender's option and Borrower's expense.
no
such shall Lender, but might or might

particular type or amount of coverage. Therefore, coverage cover
not protect Borrower, Borrower's equity in the Property, or the contents

of the Property, against any risk,
huard or liability and might provide greater or lesser coverage
than was previously in effect. Borrower
the of the insurance obtained might significantly exceed the cost of
acknowledges that cost coverage so
Lender under this Section 5 shall
insurance that Borrower could have obtained. Any amounts disbursed by
Instrument. These amounts shall bear interest
become additional debt of Borrower secured by this Security
at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from
Lender to Borrower requesting payment.

shall be subject to Lender's
All insurance policies required by Lender and renewals of such policies
shall include standard mortgage clause, and shall name Lender as
right to disapprove such policies, a
additional loss Lender shall have the right to hold the policies and renewal
mortgagee and/or as an payee.
of paid premiums and
certificates. If Lender requires, Borrower shall promptly give to Lender all receipts
renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender,
such policy shall include a standard mortgage clause and
for darnage to, or destruction of, the Property,
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
by Borrower, Unless Lender and Borrower otherwise agree
may make proof of loss if not made promptly
in writing, any insurance proceeds, whether or not the underlying insurance
was required by Lender, shall
bc applied to restoration or repair of the Property, if the restoration or repair is economically feasible and
such repair and restoration period, Lender shall have the right
to
Lender's security is not lessened. During
such Property to ensure the
hold such insurance proceeds until Lender has had an opportunity to inspect
Lender's satisfaction, provided that such inspection shall be undertaken
work has been completed to
and restoration in a single payment or in a series
promptly. Lender may disburse proceeds for the repairs
made in writing or Applicable Law
of progress payments as the work is completed. Unless an agreement is
Lender shall not be required to pay Borrower any
requires interest to be paid on such insurance proceeds, retained by
adjusters, or othcr third parties,
interest or earnings on such proceeds. Fees for public
of Borrower_ If
Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation
feasible Lender's security would be lessened, the insurance
the restoration or repair is not economically or
whether or not then due, with
proceeds shall be applied to the sums secured by this Security Instrument,
the excess, if any, paid to Borrower. Such insurance proceeds
shall be applied in the order provided for in
Section 2.
settle any available insurance
If Borrower abandons the Property, Lender may file, negotiate and
within 30 days to a notice from Lender that the
claim and related matters. If Borrower does not respond
offered settle claim, then Lender may negotiate and settle the claim, The 30-day
insurance carrier has to a
period will begin when thc 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
under the Note this Security Instrument, and
proceeds in an amount not to exceed the amounts unpaid
or
Borrower's (other than the right to refund of unearned premiums pai d by

(b) any other of rights any
as such rights arc applicable to the
Borrower) under all insurance policies covering the Property, insofar either to repair or restore the Property or
coverage of the Property. Lender may use the insurance proceeds
to pay amounts unpaid under the Note or this Security Instrument,
whether or not then due.
Mac UNIFORM INSTRUMENT WITH M

FLORIDA-Single Family-Fannie Mae/FreddIe
-6 A{FL) 0610) Page 7 ol 18
ER3Iit, 4 Form 3010 1f0 1

as Borrower's principal
6. Occupancy. Borrower shall occupy, establish, and use the Property
after the execution of this Security Instrument and shall continue to occupy the
residence within 60 days
the date of occupancy, unless Lender
Property as Borrower's principal residence for at least one year after
otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating
circumstances exist which are beyond Borrower's control,
Borrower shall not
7. Preservation, Maintenance and Protection of the Property; hispections.
deteriorate comrnit waste on the
destroy, damage or impair the Property, allow the Property to or
Whether or not Borrower is residing in the Property, Borrower shall

maintain the Property in
Property.
due to its condition. Unless it is
order to prevent the Property from deteriorating or decreasing in value
determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall
avoid further deterioration or damage. If insurance or
promptly repair the Property if damaged to
in cotmection with damage to, or the taking of, the Property, Borrower
condemnation proceeds are paid
has released proceeds for such
shall be responsible for repairing or restoring the Property only if Lender
for the repairs and restoration in single payment or in a series of
purposes. Lender may disburse proceeds
a
If the insurance condemnation proceeds are not sufficient

progress payments as the work is conipleted. or
to repair or restore the Property, Borrower is not relieved of

Borrower's obligation for the cornpietion of
such repair restoration.
or
If it has
Lender its agent rnay make reasonable entries upon and inspections of the Property.
or
reasonable cause, Lender may inspect the interior of the improvements on

the Property. Lender shall give
such reasonable
I3orrower notice at the time of or prior to such an interior inspection specifying
cause.
in default if, during the Loan application

8. Borrower's Loan Application. Borrower shall be
entities acting at the direction of Borrower or with Borrower's
process, Borrower or any persons or
information or statements to Lender
knowledge or consent gave materially false, misleading, or inaccurate
in connection with the Loan. Material
(or failed to provide Lender with material information)
limited to, representations concerning Borrower's occupancy of the
representations include, but are not
Property as Borrower's principal residence.

Instrument. If
9. Protection of Lender's Interest in the Property and Rights Under this Security
the and agreements contained in this Socurity Instrument, (b) there
(a) Borrower fails to perform covenants
under
is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights
in bankruptcy, probate, for condemnation or forfeiture, for
this Security Instrument (such as a proceeding to enforce laws or
enforcement of a lien which may attain priority over this Security Instrument or
then Lender do and for whatever is
regulations), or (c) Borrower has abandoned the Property, may pay
in the Property and rights under this Security
reasonable or appropriate to protect Lender's interest
and/or assessing the value of the Property, and securing and/or repairing
Instrument, including protecting
swns secured by a lien
the Property. Lender's actions can include, but are not limited to: (a) paying any
Instrurnent; (b) appearing in court; and (c) paying reasonable
which has priority over this Security
attorneysfees to protect its interest in the Property and/or rights under this Security but Instrument, including
Securing the Property includes, is not limited to,
its secured position in a bankruptcy proceeding. dMin water
entering the Property to make repairs, change locks, replace or board up doors and windows,
other code violations or dangerous conditions, and have utilities turned
from pipes, eliminate building or
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.
Mac UNIFORM INSTRUMENT WITH hi Eq

FLORIDA-Single Family-Fannie MaelFreddie
crA (F L) (Delo) Page B of 18

InIflahrt .1\1 Form a 01 0 1101

Section 9 shall become additional debt of Borrower
Any amounts disbursed by Lender under this
secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of
from Lender to Borrower requesting
disbursement and shall be payable, with such interest, upon notice
payment. shall comply with all the provisions of the
If this Security Instrument is on a leasehold, Borrower
the hmsehold and the fee title shall not rnerge unless
lease. If Borrower acquires fee title to the Property,
Lender agrees to the merger in writing.
Insurance as a condition of rnaking the Loan,
10. Mortgage Insurance. If Lender required Mortgage
thc Mortgage Insurance in effect. If, for any reason,
Borrower shall pay the premiums required to maintain
Lender to be available from the mortgage insurer that
the Mortgage Insurance coverage required by
ceases
previously provided such insurance and

Borrower was required to make separately designated payments
for Mortgage Insurance, Borrower shall pay the premiums required to obtain
toward the prerniums at a cost substantially
to the Mortgage Insurance previously in effect,
coverage substantially equivalent in effect, from an alternate
the Mortgage Insurance previously
equivalent to the cost to Borrower of If Insurance coverage is not
mortgage insurer selected by Lender. substantially equivalent Mortgage
the amount of the separately designated payments that
available, Borrower shall continue to pay to Lender to be in effect. Lender will accept, use and retain
these
were due when the insurance coverage ceased
Insurance. Such loss reserve shall be
payments as a non-refundable loss reserve in lieu of Mortgage
non-refundable, notwithstanding the fact that the Loan is ultirnately paid in full, and Lender shall not be
such loss reserve. Lender can no longer require
loss
required to pay Borrower any interest or earnings on
that Lender requires)
reserve payments if Mortgage Insurance coverage (in
the amount and for the period
Lender requires
provided by an insurer selected by Lender again becomes available, is obtained, and
the premiums for Mortgage Insurance. If Lender required Mortgage
separately designated payments toward Loan and Borrower was required to make separately designated
Insurance as a condition of making the
Borrower shall pay the premiums required to
payments toward the premiums for Mortgage Insurance, a non-refundable loss reserve, until Lenders
maintain Mortgage Insurance in effect, or to provide
accordance with written agreement between Borrower and
requirement for Mortgage Insurance ends in termination is any by Applicable Law. Nothing in this
Lender providing for such termination or until required
Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note.
that purchases the Note) for certain losses it
Mortgage Insurance reimburses Lender (or any entity
Borrower is not a party to the Mortgage
may incur if Borrower does not repay
the Loan as agreed.
Insurance.
risk on all such insurance in force from time to time, and may
Mortgage insurers evaluate their total that share or modify their risk, or reduce losses. These agreements
enter into agreements with other parties
to the rnortgage insurer and the other party (or parties)
to
are on terms and conditions that are satisfactory
these agreements. These agreements may require the mortgage insurer to make payments using any source
include funds obtained from Mortgage
of funds that the mortgage insurer may have available (which may
Insurance premiums). of the Note, another insurer, any reinsurer,
As a result of these agreements, Lender, any purchaser
affiliate of any of the foregoing, rnay receive (directly or indirectly) amounts that
any other entity, or any in
derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance,
the insurer's risk, or reducing losses. If such agreement
exchange for sharing or modifying mortgage
share of the insurer's risk in exchange for a share of the
provides that an affiliate of Lender takes a is often termed
premiums paid to the insurer, the arrangement "captive reinsurance." Further: to
affect the amounts that Borrower has agreed pay for
(a) Any such agreements will not
will not increase the amount
Loan. Such agreements
Mortgage Insurance, or any other terms of the and will not entitle Borrower to any refund.
Borrower will owe for Mortgage Insurance, they
FLORIDA-Single Family-Fannie Mao/Freddle Mac UNIFORM INSTRUMENT WITH M

16
Form 9010 1/01
-6 A ( FL } (0810) Page 9 of
Ctg
ir-k.?17
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Borrower has if any with respect to the
(b) Any such agreements will not affect the rights Act
- -
Protection of 1998 or any other law. These rights

Mortgage Insurance under the llomeowners to request and obtain cancellation of the
may include the right to receive certain disclosures,
and/or to receive a
terminated automatically,
Mortgage Insurance, to have the Mortgage Insurance unearned at the time of such cancellation or
refund of any Mortgage Insurance premiums that were
termination.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All
Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender, be applied to restoration or repair of
If the Property is damaged, such Miscellaneous Prooteds shall
feasible and Lender's security is not lessened.
the Property, if the restoration or repair economically
is
and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds
During such repair to ensure the work has been completed to
until Lender has had an opportunity to inspect such Property
Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the
a series of progress payments as the work is
repairs and restoration in a single disbursement or in Law requires interest to be paid on such
eompleted. Unless an agreement made writing
is in or Applicable
on such
Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings would
or Lender's security
Miscellaneous Proceeds. If the restoration or repair is not economically feasible
shall be applied to the secured by this Security Instrument,
be lessened, the Miscellaneous Proceeds sums
Such Miscellaneous Proceeds shall be
whether or not then due, with the excess, if any, paid to Borrower.
applied in the order provided for in Section 2. in value of the Property, the Miscellaneous
In the event of a total taking, destruction, or loss
whether or not then due, with
Proceeds shall be applied to the sums secured by this Security Instrument,
the excess, if any, paid to I3orrower.
the Property in which the fair market
In the event of a partial taking, destruction, or loss in value of
before taking, destruction, or loss in value is equal to or
value of the Property immediately the partial
greater than the amount of the sums secured by this Security Instrument immediately before the partial
or loss in value, unless Borrower and Lender
otherwise agree in writing, the sums
taking, destruction,
amount of the Miscellaneous Proceeds
secured by this Security Instrument shall be reduced by the the
total amount of the sums secured immediately before
multiplied by the following fraction: (a) the
fair market value of the Property
destruction, or loss in value divided by (b) the
partial taking, to Borrower,
or loss in value. Any balance shall be paid
immediately before the partial taking, destruction, or loss in value of the Property in which the fair market
In the event of a partial taking, destruction,
or loss in value is less than the
value of the Property immediately before the partial taking, destruction,
destruction, or loss in value, unless
amount of the sums secured immediately before the partial taking,
the Miscellaneous Proceeds shall be applied to the sums
Borrower and Lender otherwise agree in writing,
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
offers to make award to settle a claim for damages,
Opposing Party (as defined in the next sentence)
an
Lender Idleithin 30 days atter the date the notice is given, Lender is authorized
Borrower fails to respond to
or repair of the Property or to the
to collect and apply the Miscellaneous Proceeds either to restoration
sums secured by this Security Instrument, whether or
riot then due. "Opposing Party" means the third party
Borrower Miscellaneous Proceed.s or the party against whom Borrower has a right of action in
that owes
regard to Miscellaneous Proceeds. civil or criminal, is begun that, in
Borrower shall be in default if any action or proceeding, whether
material impaiiinviit of Lenders
Lender's judgment, could result in forfeiture of the Property or other
Instrument. Borrower can cure such a default and, if
interest in the Property or rights under this Security
acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be
that, in Lender' judgment, precludes forfeiture of the Property or other material
dismissed with a ruling s
of Lender' s interest in the Property or rights under this Security Instrument.

impairment
MaefFreddia Mac UNIFORM INSTRUMENT WITH
gtMEIn\
FLORIDA-Single Family-Fannle InItteke' Form 3010 1 /01
.fiA(FL) (0810) Page 10 of 16

claim for damages that are attributable to the impairment of Lenders interest in the Property
any award or
are hereby assigned and shall be paid to Lender. shall be
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property
applied in the order provided for in Section 2.
Extension of the time for
12. Borrower Not Released; Forbearance By Lender Not a Waiver.
modification of amortization of the surns secured by this Sec,urity Instrument granted by Lender
payment or Borrower
to Borrower any Successor in Interest of Borrower
or
shall not operate to release the liability of
Lender shall not be required to commence proceedings against
or any Successors in Interest of Borrower.
otherwise modify
Successor in Interest of Borrower or to refuse to extend time for payment or
any of demand made by the original
amortization of the surns secured by this Security Instrument by reason any
forbearance by Lender in exercising any right or
Borrower or any Successors in Interest of Borrower. Any
without limitation, Lender's acceptance of payrnents from third persons, entities or
remedy including, amount then due, shall not be a waiver of or
Successors in Interest of Borrower or in amounts less than the
preclude the exercise of any right or remedy. and Assigns Bound. Borrower covenants
13. Joint and Several Liability; Co-signers; Successors
and several. However, any Borrower who
and agrees that Borrower' s obligations and liability shall be joint
Instnunent but does not execute the Note (a "co-signer"); (a) is co-signing this
co-signs this Security the co-signer's interest in the Property under the
Security Instrument only to mortgage, grant and convey to pay the sums secured by this Security
terms of this Security Instrument; (b) is not personally obhgated
and other Borrower can agree to extend, modify, forbear or
Instrument; and (c) agrees that Lender any
make any accommodations with regard to the terms of this Security Instrument or the Note without the
co-signer's consent. Successor in Interest of Borrower who assumes
Subject to the provisions of Section 18, any
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
under this Security Instrument unless Lender agrees to such release in
Borrower' s obligations and liability
Instrument shall bind (except as provided in
writing. The covenants a.nd agreements of this Security Lender.
Section 20) and benefit thc successors and assigns of
in connection with
14. Loan Charges. Lender may charge Borrower fees for services performed
Lender's interest in the Property and rights under this
Borrower's default, for the purpose of protecting
Security Instrument, including, but not limited to, attorneys'infees, property inspection and valuation fees.
the absence of authority this Security Instrument to charge a specific
In regard to any other fees, express
of such fee. Lender may not charge
fee to Borrower shall not be construed as a prohibition on the charging
Law.
fees that are expressly prohibited by this Security Instrument or by Applicable
law which sets maximum loan charges, and that law is finally interpreted so
If the Loan is subject to a
connection with the Loan exceed the
that the interest or other loan charges collected or to be collected in
reduced by the arnount necessary to reduce the
permitted limits, then: (a) any such loan charge shall be collected from Borrower which exceeded permitted
charge to the permitted limit; and (b) any sums already
this refund by reducing the principal
limits will be refunded to Borrower. Lender may choose to make
direct payment to Borrower. If a refund reduces principal, the
owed under the Notc or by making a
reduction will bc treated as a partial prepayment without any prepayment charge (whether made
or not a
Borrower's acceptance of such refund by

prepayment charge is provided for under the Note).
any
direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out
of such overcharge.
with this Security Instrument
15. Notices. All notices given by Borrower or Lender in connection
with this Security Instrurnent shall be deemed to
must be in writing. Any notice to Borrower in connection
mailed first class mail or when actually delivered to Borrower's
have been given to Borrower when by
shall constitute notice to all Borrowers
notice address if sent by other means. Notice to any one Borrower
Mae/Freddle Mac UNIFORM INSTRUMENT WITH

FLORIDA-Single Family-Fannie
1414k-6A(FL) 081o) Page 11 of 18
ME3-1.v
Initials: Form 3010 1/01

Address
otherwise. The notice addres.s shall be the Property
unless Applicable L.aw expressly requires to Lender. Borrower shall promptly
unless Borrower has designated a substitute notice address by notice
address, If Lender specifies a procedure for reporting Borrower's
notify Lender of Borrower's change of procedure.
change of address, then Borrower shall only report a change of address through that specified
notice address under this Security Instrument at any one time. Any
There may be only one designated to Lender's address
it or by mailing it by first class mail
notice to Lender shall be given by delivering to Borrower. Any notice in
has designated another address by notice
stated herein unless Lender
deemed to have been given to Lender until actually
connection with this Security Instrument shall not be
Instrument is also required under Applicable
received by Lender. If any notice required by this Security
Law requirement will satisfy the corresponding requirement under this Security
Law, the Applicable
Instrument.
Construction. This Security Instrument shall be
16. Governing Law; Severability; Rules of is located. All rights and
the jurisdiction in which the Property
governed by federal law arid the law ofInstnunent are subject to any requirements
and limitations of
obligations contained in this Security implicitly allow the parties to agree by contract or it
Law might explicitly or
Applicable Law. Applicable shall not be construed as a prohibition against agreement by
contract. In
might be silent, but such silence clause of this Security Instrument or the Note conflicts with Applicable
the event that any provision or or the Note which can
be
of this Security Instrument
Law, such conflict shall not affect other provisions
given effect without the conflicting provision. include
words of the masculine gender shall mean and
As used in this Security Instrument: (a) words in the singular shall mean and
of the feminine gender; (b)
corresponding neuter words or words sole discretion without any obligation to
include the plural and vice versa; and (c) the word "may" gives
take any action.
of the Note and of this Security Instrument.
17. Borrower's Copy. Borrower shall be given one copy in this Section 18,
Interest in Borrower. As used
18. Transfer of the Property or a Beneficial
beneficial interest in the Property, including, but not limited
Interest in the Property" means any legal
or
in a bond for deed, contract for deed, installment
sales contract or
to, those beneficial interests transferred Borrower at a future datc to a purchaser.
escrow agreement, the intent of which is the transfer of title by
in the Property is sold or transferred (or
if Borrower
If all or any part of the Property or any Interest without Lender's prior
in Borrower is sold or transferred)
is not a natural person and a beneficial interest of all sums secured by this Security
immediate payment in full
written consent, Lender may require
exercised by Lender if such exercise is prohibited by
Instrument. However, this option shall not be
Applicable Law. Borrower notice of acceleration. The notice shall
If Lender exercises this option, Lender shall give in accordance with Section 15
provide a period of not less than 30 days from the date the notice is given If Borrower fails to pay
secured by this Security Instrument.
within which I3orrower rnust pay all sums remedies permitted by this
Lender invoke any
these sums prior to the expiration of this period, may
or demand on Borrower,
C-curity lnstrurnent without further notice If Borrower meets certain conditions,
19. Borrower's Right to Reinstate After
Acceleration.
at any time
of this Security Instrument discontinued
Borrower shall have the right to have enforcement to of sale contained in
sale of the Property pursuant any power
prior to the earliest of: (a) five days before Law might specify for the termination of
this Security Instrument; (b) such other period as Applicable this Security Instrument. Those
Borrower's right to reinstate; or (c) entry of a judgment enforcing
all which then would be due under this Security
conditions are that Borrower: (a) pays Lender
sums
default of any other covenants or
Instrument and the Note as if no acceleration had occurred; (b)
cures any
Instrument, including, but not limited
agyeements; (c) pays all expenses incurred enforcing
in this Security
and valuation fees, and other fees incurred for the
to, reasonable attorneysfees, property inspection
IA
Mae/Freddla Mac UNIFORM INSTRUMENT WITH
FLORIDA-Single Family-Fannle Pepe 12 of 1 8 ERIt\q
Inglats. Form 3010 1 /01
Ct.8A(FL) 0810)
1 5/2017 4:14 PM Electronically Filed: Hillsborough County/13th Judicial Circuit Page 22

and (d)
purpose of protecting
Lender's interest in the Property and rights under this Security Instrument;
that Lender's interest in the Property and
takes such action as Lender may reasonably require to assure
to pay the sums secured by this Security
rights under this Security Instrument, and Borrower's obligationBorrower
that pay such reinstatement sums and
Instrument, shall continue unchanged. Lender may require
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
Electronic
an institution whose deposits are
insured by a federal agency, instrumentality or entity; or (d)
this Security Instrument and obligations secured hereby
Funds Transfer. Upon reinstatement by Borrower,
acceleration had occurred. However, this right to reinstate shall not
shall remain fully effective as if no
apply in the case of acceleration under Section 18. of Grievance. The Note or a partial interest in
20. Sale of Note; Change of Loan Servicer; Notice
one or more times without prior notice
to
be sold
the Note (together with this Security Instrument)
can
the "Loan Servicer") that collects
Borrower. A sale might result in a change in the entity (known as
Periodic Payments due under the Note and this Security
Instrument and performs other mortgage loan
and Applicable Law. There also might be
servicing obligations under the Note, this Security Instrument, Loan
one or more changes of the Loan Servicer
unrelated to a sale of the Note. If there is a change of the
which will state the name and address of the
Servicer, Borrower will be given written notice of the change other information RESPA
should be made and any
new Loan Servicer, the address to which payments
If the Note is sold and thereafter the Loan is
requires in connection with a noticc of transfer of servicing.
the Note, the mortgage loan servicing obligations
serviced by a Loan Servicer other than the purchaser of
be transferred to a successor Loan Servicer and are not
to Borrower will remain with the Loan Servicer or
the Note purchaser_
assumed by the Note purchaser unless otherwise provided by
action (as either an
Neither Borrower nor Lender may commence, join, or be joined to any judicial
individual litigant or the member of a class) that arises from the other party's actions pursuant to this
breached any provision of, or any duty owed by
Security Instrument or that alleges that the other party has such
or Lender has notified the other party (with
reason of, this Security Instrument, until such Borrower
breach and afforded the
notice given in compliance with the requirements of Section 15) of such alleged
of such notice to take corrective action. If
other party hereto a reasonable period after the giving
must elapse before certain action can be taken, that
time
Applicable Law provides a time period which The notice of acceleration and
of this paragraph.
period will be deemed to be reasonable for purposes and the notice of acceleration given to
to Section 22
opportunity to cure given to Borrower pursuant notice and opportunity to take corrective
Borrower pursuant to Section 18 shall be deemed to satisfy the
action provisions of this Section 20,
"Hazardous Substances" are those
21. Hazardous Substances. As used in this Section 21: (a)
or wastes by Environmental Law and
the
substances defined as toxic or hazardous substances, pollutants,
or toxic petroleum products, toxic pesticides
following substances: gasoline, kerosene, other flammable
or formaldehyde, and radioactive materials;
and herbicides, volatile solvents, rnaterials containing asbestos
federal laws end laws of the jurisdiction where the Property is located that
(b) "Environmental Law" means
includes any response
relate to health, safety or environmental protection; (c) "Environmental Cleanup"
in Environmental Law; and (d) an "Environmental
action, remedial action, or removal action, as defined
that contribute to, or otherwise trigger an Environmental
Conditioe means a condition can cause,
Mac UNIFORM INSTRUMENT WfTH

FLORIDA-Single Family-Fannie Mae/Freddle
A(FL) 081
13 of 16 I, ME_R Form 3010 1101
Pf)-b
.111"69

Hazardous
Borrower shall not cause or permit the presence, use, disposal,
storage, or release of any
shall not do,
on or in the Property. Borrower
Substances, or threaten to release any Hazardous Substances, in violation of Environmental
nor allow anyone else to do, anything affecting
the Property (a) that is any
or (c) which, due to the presence,
use, or release of a
Law, (b) which creates an Environmental Condition,
affects the value of the Property. The preceding
Hazardous Substance, creates a condition that adversely
or storage on the Property
of small quantities of
two sentences shall not apply to the presence, use, uses and to
to be appropriate to normal residential
Hazardous Substances that are generally recognized
hazardous substances in consumer products).
maintenance of the Property (including, but not limited to, lawsuit
Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand,
the Property and
or regulatory agency or private party involving
any
or other action by any governmernal
of which Borrower has actual knowledge, (b) any
Hazardous Substance or Environmental Law release or threat of
Environmental Condition, including but not limited to, any spilling, leaking, discharge,
condition caused by the presence, use or release
of a
release of any HarIrdous Substance, and (c) any If Borrower learns, or is notified
Hazardous Substance which adversely affects the
value of the Property.
that any removal or other remediation
or regulatory authority, or any private party,
by any governmental is necessary, Borrower shall promptly take all necessary
of any Hazardous Substance affecting the Property
Law. Nothing herein shall create any obligation
on
remedial actions in accordance with Environmental
Lender for an Environmental Cleanup.
further covenant and agree as follows:
NON-UNIFORM COVENANTS. Borrower and Lender
notice to Borrower prior to acceleration following
22. Acceleration; Remedies. Lender shall give
Security Instrument (but not prior
to
In this
Borrower's breach of any covenant or agreement The notice shall specify:
Law provides otherwise).
acceleration under Section 18 unless Applicable than 30 days from the
the action required to cure the default; (c) a date, not less
(a) the default; (b) that failure to cure
date tbe notice is given to Borrower, by
which the default must be cured; and (d)
of the sums secured
in acceleration
the default on or specified in the notice may result
before the date
of the Property. The notice
by this Security Instrument, foreclosure by judicial proceeding and sale In the
reinstate after acceleration and the right to assert
shall further inform Borrower of the right to
acceleration
or any other defense of Borrower to
foreclosure proceeding the non-existence of a default in the notice, Lender at its
If the default is not cured on or before the date specified
and foreclosure. Instrument
in full of all sums secured by this Security
option may require immediate payment Lender
this Security Instrument by judicial proceeding.
without further demand and may foreclose in this Section 22,
in pursuing the remedies provided
shall be entitled to collect all expenses incurred
and costs of title evidence.
including, but not limited to, reasonable attorneysfees this Security Instrument, Lender shall release
this
23. Release. Upon payment of all sums secured by Borrower a fee for
recordation costs. Lender may charge
Security Instnunent. Borrower shall pay any rendered and the
if the fee is paid to a third party for services
releasing this Security Instrurnent, but only Law,
charging of the fee is perrnitted under Applicable Instrument and the Note, attorneys' fees shall include
24. Attorneys' Fees. As used in this Security
fees incurred in a bankruptcy proceeding.
those awarded by an appellate court and any attorneys' action,
Trial Waiver. The Borrower hereby waives any right
to a trial by jury in any
25. Jury in any
tort, at law or in equity, arising out of or
proceeding, claim, or counterclaim, whether
in contract or
Instrument or the Note.

way related to this Security
Mac UNIFORM INSTRUMENT WITH

FLORIDA-Single Famlly-Fannie Mae/Fraddle
dint, -6A(FL) plc
of
Pogo 14 16
ME.s Form 3010 1/01
11-,Pb
'71)
'15/2017 4:14 PM Electronically Filed: Hillsborough County/13th Judicial Circuit Page 24

and covenants contained in this
BY SIGNING BELOW, Borrower accepts and agrees to the terms
with it.
Security Instrument and in any Rider executed by Borrower and recorded
Signed, sealed and delivered in the presence of:
I% 6. U
(Seal)
:mila A
Youngfj -Borrower
10741 Standing Stone Dr,

Wimauma. FL 3598 (A ddress)
(Seal)
-Borro wer
(Address)
_
(Seal) (Seal)
-Borrower
-Borrower
(Address) (Address)
-
(sea) (smo
-Borrower
-Borrower
(Address) (Address)
_ (Seal) (Seal)
-Borrower
-Borrower
(Address) (Address)
FLORIDA-Single Family-Fannie IleelFreddle Mae UNIFORM INSTRUMENT WITH MERS

Forrn 3010 1101
PageISoflS
let6A(FL) mei

Hillsborough County ss:
STATE OF FLORIDA, 2009 by
acknowledged before me this August 18,
The foregoing instrument was
Jam lla A Young
as identification.
who is personally known to me or who has produced dr iv, r: icense
4111k
Notary P blic
"ea NOlary Ptibfic. Stale of Florida

Knsty N Konecsny
t My Commission D0588568
.te.Ffs Ea.ires 1a/19/2010
Mac UNIFORM INSTRUMENT WITER

FLORIDA-Single Famlly-Fannie NaelFreddie Form 3910 1101
1,888 16 of 18 imams:
6 A ( FL) (081 6) i.

PLANNED UNIT DEVELOPMENT RIDER
RIDER is made this 18th day of
THIS PLANNED UNIT DEVELOPMENT
and is incorporated into and shall be
August 2009, Deed of Trust, or Security Deed (the
deemed to arnend and supplement the Mortgage,
by the undersigned (the "Borrower)
to
"Security Instrument") of the same date, given
and Trust Company
secure Borrower's Note to Branch Banking
the Property described in the Security

(the "Lender") of the same date and covering
Stone Dr., Wirnaurna, FL 33598
Instrument and located at: 10741 Standi ng
[Property Address] with a dwelling,

to, a parcel of land improved
The Property includes, but is not limited areas and facilities, as described in
certain common
together with other such parcelsofandCovenants. Conditions and Restrictions.
The Deed, The Declaration
development known as
part of a planned unit
(the "Declaration"). The Property
is a
Ayersworth Glen
[Name of Planned Unit Development]
association or
includes Borrower's interest in the homeowners
(the "PUD"). The Property also the common areas and facilities of the PUD (the
equivalent entity owning or managing and proceeds of Borrower's interest.
"Owners Associa(ion") and the uses, benefits
addition to the covenants and agreements made in the Security
PUD COVENANTS. In
covenant and agree as follows:
Instrument, Borrower and Lender further all of Borrower's obligations under the PUD's
A. PUD Obligations. Borrower shall perform
Documents" are the (i) Declaration; (ii) articles of
Constituent Documents. The ''Constituent which creates the Owners
equivalent document
incorporation, trust instrument ororany other rules or regulations of the Owners
Association
Association: and (iii) any by-laws pursuant to the
Borrower shall promptly pay, when due, all
dues and assessments imposed
Constituent Documents.
MULTISTATE PUD RIDER Single Family

-
Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
Form 3150 1/01
Wolters Kluwer Financial Services Page 1 of 3 initialjkg
VMPe-7R (0811)
'15/2017 4:14 PM Electronically Filed: Hillsborough County/13th Judicial Circuit Page 27

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

MULTISTATE PUD RIDER
IMFORMForm 3150 1/01
- -
VMP-7R (0811) Page 2 of 3 Initials: 0

to the terms and covenants contained in
BY SIGNING BELOW, Borrower accepts and agrees
this PUD Rider.
G. I
0
-
(Seal)
(Seal)
-Borrower
Yowl! -Borrower

mil a A
(Seal)
(Seal) -Borrower
-Borrower
(Seal)
(Seal) -Borrow er
-Borrower
(Seal)
(Seal) -Borrow er
-Borrow er
INSTRUMENT
Fannie Mae/Freddie Mac UNIFORMForm 3150 1/01
PUD RIDER Single Family
-
Page 3 of 3
VMP0-7R (0811)

EXHIBIT C

INSTRUMENT#: 2016440930, BK: 24512 PG: 698 PGS: 698 699 11/08/2016 at -
01:59:19 PM, DEPUTY CLERK:RANKCROUM Pat Frank,Clerk of the Circuit Court

Hillsborough County
This document was prepared by:

BRANCH BANKING AND TRUST COMPANY
301 COLLEGE STREET MAILCODE 900-01-08-50
GREENVILLE, SC 29601
Retum To:
BRANCH BANKING AND TRUST COMPANY
301 COLLEGE STREET MAILCODE 900-01-08-50
GREENVLLE, SC 29601
MERS SIS # 888-679-6377 MIN:
For Value Received, the undersigned holder of a Mortgage (herein "Assignor) whose address is PO
Box 2026, Flint, MI, 48601-2026 does hereby grant. assign, transfer and convey, unto Branch Banking
and Trust Company,, a corporaton organized and existing under the laws of North Carolina (herein
'Assignee), whose address is 301 College Street, Greenville, SC, 29601, a certain Mortgage dated
0811812009, made and executed by JAMILA A YOUNG, A SINGLE WOMAN, to and In favor of
Mortgage Electronic Registration Systems, Inc. as nominee for BRANCH BANKING AND TRUST
COMPANY, ils successors and assigns upon the follov/ing described property situated in Hillsborough
County,, State of Florida:
Such Mortgage having been given to secure payment of One Hundred Forly Seven Thousand Nine
Hundred Fifty Nine dollars and Zero cents ( $147,969.00 )(Include the Original Principal Amount)
which Mortgage Is of record In: Book: 19444 Page; 1179 Instrument No: 2009290098, of the
Hillsborough County Clerk of the Circuit Court Records of Hillsborough County, State of Florida, and
obligations therein described and the money due and to become due thereon with interest, and all rights
accrued or to accrue under such Mortgage.
Description/Additional information: SEE EXHIBIT A
Originally Recorded on: 09/02/2009
TO HAVE AND TO HOLD the same unto Assignee, its successor and assigns, forever, subject only to
the terms and conditions of the above-described Mortgage.
WITNUS WdEREOF, the undersigned Assignor has executed this Assignment of Mortgage on
Mortgage Electronic Registration Systems, Inc. as nominee for BRANCH BANKING AND TRUST
COMPANY, its successors and assigns
(As ignor
.9.7.11 l',,=.
iS4Dee.. .c -- -
ig if"41..A%i
::
barite T Stens
By:
.A' resid Alp f ()SEALiksA 1.7.--
OR. Arm.. AO" 1999 LI:
11\.
0
....: ut
GAIL PRUI .... te
<oitf;f::
S.-46 (k
ness

AW PV ro4t :".
...; 4 '......... ..g.. .:::"
Witness MAR Y WALKER * .:
STATE OF SOUTH CAROLINA, GREENVILLE COUNTY
On % cA)\
If before me, the undersigned, a notary public In and for said
T Stansell, Vice President of Mortgage Electronic Registration
state, personally appeared Stephan e
Systems, Inc. as nominee for BRANCH BANKING AND TRUST COMPANY, its successors and
assigns personally known to me or proved to me on the basis of satisfactory evidence to be the
individual whose name is subscribed to the within instrument and acknowledged to me that he/she
executed the same In hisiner capaclly, ancl that by hisiher signature on the instniment, Me Indivklual, or
the person upon behalf of which the individual acted, executed the Instrument.
CIIIIC90(pc11,\A. N',:r1e52/1
Notary Public tilerMade-S-Perty
CaPCF-LAA ..,.\41(tty3r1
Expires:VT/24/2023
Commission
oesalleft,
L
641/SIHDICI
........
/:-/(',1A14.
r4;-.1P,,

00' -
Page # 1 50001024 RPY ReSit Hillsborough

UBLAC .., I
e
41/8ER

Bk 24512 Pg 699
(Page 4 of 17)
Exhibit "A"
Lot 40, Block 1, AYERSWORTH GLEN, as per plat thereof, recorded an Plat Book 111, Page 166, of the
Pubhc Records of Hallsborough County, Flonda

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Filing # 60441974 E-Filed 08/15/2017 04:14:44 PM

ENT THE CIRCUIT COURT OF THE THIRTEENTH JUDICIAL aRcurr

BRANCH BANKING AND TRUST

JAMILA A YOUNQ KENNETH W.

VERIFIED COMPLAINT TO FORECLOSE MORTGAGE

COUNT I-MORTGAGE FORECLOSURE

1. This is foreclose a mortgage on real property located in

2. JAMILA A YOUNG executed and delivered a Promissory Note ("Note') dated

of the Public Records of

6. Defendants, JAMILA A. YOUNG and KENNETH W. BRASCOM, are the current

deficiency is or will be sought.

13. Defendants, UNKNOWN TENANT IN POSSESSION 1 and UNKNOWN TENANT

14. Defendant, UNKNOWN SPOUSE OF JAMILA A. YOUNQ is joined by virtue of

15. Defendant, UNKNOWN SPOUSE OF KENNETH W. BRASCOM is joined by virtue

W15/2017 4:14 PM Electronically Filed: Hillsborough County/13th Judicial Circuit Page 2

17. The Defendant(s), CLERK OF THE CIRCUIT COURT IN AND FOR

20. The Defendant(s), DARRYL ELIZABETH ROGERS, has or claims to have an

3/15/2017 4:14 PM Electronically Filed: Hillsborough County/13th Judicial Circuit Page 3

McCalla Raymer Pierce, LLC

Brian Hummel, Esq.

3/15/2017 4:14 PM Electronically Filed: Hillsborough County/13th Judicial Circuit Page 4

8/15/2017 4:14 PM Electronically Filed: Hillsborough County/13th Judicial Circuit Page 5

10741 Standing Stone 0r,

1. BORROWER'S PROMISE TO PAY

that date, which is called the "Maturity Date."

(B) Amount of Monthly Payments

4. BORROWEWS RIGHT TO PREPAY

3/15/2017 4:14 PM Electronically Filed: Hillsborough County/13th Judicial Circuit Page 6

6. BORROWEWS FAILURE TO PAY AS REQUIRED

(C) Notice of Default

delivered by other means.

(D) No Waiver By Note Holder

(E) Payment of Note Holder's Costs and Expenses

Holder a notice of my different address.

8. OBLIGATIONS OF PERSONS UNDER THIS NOTE

the obligations of guarantor, surety

3/15/2017 4:14 PM Electronically Filed: Hillsborough County/13th Judicial Circuit Page 7

Instrument without further notice or demand on Borrower.

11. DOCUMENTARY TAX

WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED

BRANCH BANKINO AND TRUST COMPANY

[Sign Original Only]

Fannie Mee/Freddie Mac UNIFORM 1NSTRUMBT Form 110 1

VIA P Va4P5NiPL) (0803)

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iSpace Above This Line For Recording Nisi

Borrower is the mortgagor under this Security Instrument.

Form 3010 1/01

VMP Mortgage Solutions. Ine

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as of the date he reof

Riders are to be executed by Borrower [check box as applicable]:

I Condominium Ridcr TI Second Home Rider

federal, state and local statutes, regulations,

MaelFreddle Mac UNIFORM INSTRUMENT WITH

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TRANSFER OF RIGHTS IN THE PROPERTY

which currently has the address of

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3/15/2017 4:14 PM Electronically Filed: Hillsborough County/13th Judicial Circuit Page 13

federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer.

earlier, such funds will be applied to the outstanding

then to reduce the principal balance of the Note.