ALTA COMMITMENT FOR TITLE INSURANCE · alta commitment for title insurance w-wa mod(08/01/2016) printed: 04.09.19 @11:55 am page1 wa-ct-fnoy-02150.620142-sps-1-19-190029035 notice

ALTA COMMITMENT FOR TITLE INSURANCE

Commitment Number:Issued By agent:

190029035 ListingCommitment

This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by Chicago Title Insurance Company. This Commitment is not valid without theNotice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I-Requirements; Schedule B, Part II-Exceptions; and acounter-signature by the Company or its issuing agent that may be in electronic form.

Copyright American Land Title Association. All rights reserved.

The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing asof the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.ALTA Commitment for Title Insurance w-WA Mod (08/01/2016) Printed: 04.09.19 @ 11:55 AM

Page 1 WA-CT-FNOY-02150.620142-SPS-1-19-190029035

NOTICEIMPORTANT - READ CAREFULLY: THIS COMMITMENT IS AN OFFER TO ISSUE ONE OR MORE TITLEINSURANCE POLICIES. ALL CLAIMS OR REMEDIES SOUGHT AGAINST THE COMPANY INVOLVING THECONTENT OF THIS COMMITMENT OR THE POLICY MUST BE BASED SOLELY IN CONTRACT.THIS COMMITMENT IS NOT AN ABSTRACT OF TITLE, REPORT OF THE CONDITION OF TITLE, LEGAL OPINION,OPINION OF TITLE, OR OTHER REPRESENTATION OF THE STATUS OF TITLE. THE PROCEDURES USED BYTHE COMPANY TO DETERMINE INSURABILITY OF THE TITLE, INCLUDING ANY SEARCH AND EXAMINATION,ARE PROPRIETARY TO THE COMPANY, WERE PERFORMED SOLELY FOR THE BENEFIT OF THE COMPANY,AND CREATE NO EXTRACONTRACTUAL LIABILITY TO ANY PERSON, INCLUDING A PROPOSED INSURED.THE COMPANY’S OBLIGATION UNDER THIS COMMITMENT IS TO ISSUE A POLICY TO A PROPOSED INSUREDIDENTIFIED IN SCHEDULE A IN ACCORDANCE WITH THE TERMS AND PROVISIONS OF THIS COMMITMENT.THE COMPANY HAS NO LIABILITY OR OBLIGATION INVOLVING THE CONTENT OF THIS COMMITMENT TO ANYOTHER PERSON.

COMMITMENT TO ISSUE POLICYSubject to the Notice; Schedule B, Part I-Requirements; Schedule B, Part II-Exceptions; and the Commitment Conditions,Chicago Title Insurance Company, a Florida corporation (the "Company"), commits to issue the Policy according to theterms and provisions of this Commitment. This Commitment is effective as of the Commitment Date shown in Schedule Afor each Policy described in Schedule A, only when the Company has entered in Schedule A both the specified dollaramount as the Proposed Policy Amount and the name of the Proposed Insured.If all of the Schedule B, Part I-Requirements have not been met within one hundred eighty (180) days after theCommitment Date, this Commitment terminates and the Company’s liability and obligation end.

Chicago Title Insurance Company

By:

Countersigned By:

Authorized Officer or Agent

PresidentAttest:

Secretary





CHICAGO TITLE COMPANY OF WASHINGTONCOMMITMENT NO. 190029035 Listing

Commitment

ISSUING OFFICE: FOR SETTLEMENT INQUIRIES, CONTACT:Chicago Title Company of Washington

676 Woodland Square Loop SE, Suite 405Lacey, WA 98503

Main Phone: (360)456-7878Email: [email protected]

SCHEDULE A

1. Commitment Date: April 4, 2019 at 08:00 AM

2. Policy to be issued:

(a) ALTA Owner's Policy 2006Proposed Insured: Purchaser with contractual rights under a purchase agreement with the vested owner

identified at Item 4 belowProposed Policy Amount: $0.00Premium: $ 0.00Tax: $ 0.00Rate: StandardDiscount(s): ResidentialTotal: $ 0.00

3. The estate or interest in the Land described or referred to in this Commitment is:

Fee Simple as to Parcel A and Easement as to Parcel B

4. The Title is, at the Commitment Date, vested in:

James A. Brassard, as his separate estate

5. The Land is described as follows:

SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF

END OF SCHEDULE A

EXHIBIT "A"Legal Description

This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by Chicago Title Insurance Company. This Commitment isnot valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I-Requirements;Schedule B, Part II-Exceptions; a counter-signature by the Company or its issuing agent that may be in electronic form.




For APN/Parcel ID(s): 11706420401

PARCEL A:

THAT PART OF THE NORTH HALF OF THE SOUTHEAST QUARTER OF SECTION 6, TOWNSHIP 17NORTH, RANGE 1 WEST, W.M., IN THURSTON COUNTY, WASHINGTON DESCRIBED ASFOLLOWS: BEGINNING AT A POINT 491.27 FEET EAST OF A POINT ON THE EASTERLY LINE OFCOUNTY ROAD (EAST OLYMPIA ROAD) 972.04 FEET SOUTHEASTERLY OF ITS INTERSECTIONWITH THE NORTH LINE OF SAID SOUTHEAST QUARTER; THENCE EAST 200 FEET; THENCESOUTH 209 FEET; THENCE WEST PARALLEL WITH SAID NORTH LINE 200 FEET; THENCENORTH 209 FEET TO THE POINT OF BEGINNING; In Thurston County, Washington

PARCEL B:

AN EASEMENT FOR INGRESS, EGRESS AND UTILITIES OVER, UNDER AND ACROSS A STRIP OFLAND 20 FEET IN WIDTH THE NORTH LINE OF WHICH IS DESCRIBED AS FOLLOWS:BEGINNING AT A POINT ON THE EASTERLY LINE OF COUNTY ROAD (EAST OLYMPIA ROAD)972.04 FEET SOUTHEASTERLY OF ITS INTERSECTION WITH THE NORTH LINE OF SAIDSOUTHEAST QUARTER; THENCE EAST 891.27 FEET TO ITS EAST TERMINUS;

SITUATE IN THE COUNTY OF THURSTON, STATE OF WASHINGTON


Commitment

SCHEDULE B, PART IREQUIREMENTS





All of the following Requirements must be met:

1. The Proposed Insured must notify the Company in writing of the name of any party not referred to in thisCommitment who will obtain an interest in the Land or who will make a loan on the Land. The Company may thenmake additional Requirements or Exceptions.

2. Pay the agreed amount for the estate or interest to be insured.

3. Pay the premiums, fees, and charges for the Policy to the Company.

4. Documents satisfactory to the Company that convey the Title or create the Mortgage to be insured, or both, mustbe properly authorized, executed, delivered, and recorded in the Public Records.

5. Additional requirements and/or exceptions may be added as details of the transaction are disclosed to, or becomeknown by the Company.

6. The application for title insurance was placed by reference to only a street address or tax identification number. Theproposed Insured must confirm that the legal description in this report covers the parcel(s) of Land requested to beinsured. If the legal description is incorrect, the proposed Insured must notify the Company and/or the settlementcompany in order to prevent errors and to be certain that the legal description for the intended parcel(s) of Land willappear on any documents to be recorded in connection with this transaction and on the policy of title insurance.

7. Payment of the real estate excise tax, if required.

The Land is situated within the boundaries of local taxing authority of Thurston County.

Present rate of real estate excise tax as of the date herein is 1.78 percent.

Any conveyance document must be accompanied by the official Washington State Excise Tax Affidavit. Theapplicable excise tax must be paid and the affidavit approved at the time of the recording of the conveyancedocuments. (NOTE: Real Estate Excise Tax Affidavits must be printed as legal size forms).

An additional $5.00 Electronic Technology Fee must be included in all excise tax payments.

If the transaction is exempt, an additional $5.00 Affidavit Processing Fee is required.

8. In the event that the Land is occupied or intended to be occupied by the owner and a spouse or registered domesticpartner as a homestead, the conveyance or encumbrance of the Land must be executed and acknowledged byboth spouses or both registered domestic partners, pursuant to RCW 6.13 which now provides for an automatichomestead on such Land.

END OF REQUIREMENTS

NOTES


Commitment


(continued)





The following matters will not be listed as Special Exceptions in Schedule B of the policy. There will be no coverage forloss arising by reason of the matters listed below because these matters are either excepted or excluded from coverage orare not matters covered under the insuring provisions of the policy.Note A: Note: FOR INFORMATIONAL PURPOSES ONLY:

The following may be used as an abbreviated legal description on the documents to be recorded, perAmended RCW 65.04.045. Said abbreviated legal description is not a substitute for a complete legaldescription within the body of the document:

Ptn Se 6-17-1WTax Account No.: 11706420401

Note B: Note: Any map furnished with this Commitment is for convenience in locating the land indicated hereinwith reference to streets and other land. No liability is assumed by reason of reliance thereon.

Note C: Note: The Public Records indicate that the address of the improvement located on said Land is asfollows:

6848 Rich Road SEOlympia, WA 98501

Note D: NOTE: The names of the proposed insured were not furnished in the application for title insurance, andwhen disclosed, the commitment will be subject to such matters as may be found by a search of therecords against said names.

The company reserves the right to add additional items or make further requirements after review of therequested documentation.

Note E: Note:

For each policy to be issued as identified in Schedule A, Item 2; the Company shall not be liable underthis commitment until it receives a designation for a Proposed Insured, acceptable to the Company. Asprovided in Commitment Condition 4, the Company may amend this commitment to add, among otherthings, additional exceptions or requirements after the designation of the Proposed Insured.


Commitment


(continued)





Note F: Note: Effective October 1, 2014, Chicago Title Company of Washington in Thurston County will no longerbe charging a flat rate recording fee. All files will be charged the actual county recording fees.

There is an additional $4.00 plus tax per document electronic recording processing fee.

Recording charges are subject to change without notice.

Note G: Notice: Please be aware that due to the conflict between federal and state laws concerning thecultivation, distribution, manufacture or sale of marijuana, the Company is not able to close or insure anytransaction involving Land that is associated with these activities.

END OF NOTES

END OF SCHEDULE B, PART I


Commitment

SCHEDULE B, PART IIEXCEPTIONS





THIS COMMITMENT DOES NOT REPUBLISH ANY COVENANT, CONDITION, RESTRICTION, OR LIMITATIONCONTAINED IN ANY DOCUMENT REFERRED TO IN THIS COMMITMENT TO THE EXTENT THAT THE SPECIFICCOVENANT, CONDITION, RESTRICTION, OR LIMITATION VIOLATES STATE OR FEDERAL LAW BASED ON RACE,COLOR, RELIGION, SEX, SEXUAL ORIENTATION, GENDER IDENTITY, HANDICAP, FAMILIAL STATUS, ORNATIONAL ORIGIN.

The Policy will not insure against loss or damage resulting from the terms and provisions of any lease or easementidentified in Schedule A, and will include the following Exceptions unless cleared to the satisfaction of the Company:

GENERAL EXCEPTIONS

A. Rights or claims of parties in possession, or claiming possession, not shown by the Public Records.

B. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would bedisclosed by an accurate and complete land survey of the Land.

C. Easements, prescriptive rights, rights-of-way, liens or encumbrances, or claims thereof, not shown by thePublic Records.

D. Any lien, or right to a lien, for contributions to employee benefit funds, or for state workers' compensation, orfor services, labor, or material heretofore or hereafter furnished, all as imposed by law, and not shown by thePublic Records.

E. Taxes or special assessments which are not yet payable or which are not shown as existing liens by the PublicRecords.

F. Any lien for service, installation, connection, maintenance, tap, capacity, or construction or similar charges forsewer, water, electricity, natural gas or other utilities, or for garbage collection and disposal not shown by thePublic Records.

G. Unpatented mining claims, and all rights relating thereto.

H. Reservations and exceptions in United States Patents or in Acts authorizing the issuance thereof.

I. Indian tribal codes or regulations, Indian treaty or aboriginal rights, including easements or equitable servitudes.

J. Water rights, claims or title to water.

K. Any defect, lien, encumbrance, adverse claim, or other matter that appears for the first time in the PublicRecords or is created, attaches, or is disclosed between the Commitment Date and the date on which all of theSchedule B, Part I—Requirements are met.


Commitment


(continued)





SPECIAL EXCEPTIONS

1. General and special taxes and charges, payable February 15, delinquent if first half unpaid on May 1, second halfdelinquent if unpaid on November 1 of the tax year (amounts do not include interest and penalties):

Year: 2019Tax Account No.: 11706420401Levy Code: 465Assessed Value-Land: $89,500.00Assessed Value-Improvements: $132,600.00

General and Special Taxes:Billed: $2,905.34Paid: $0.00Unpaid: $2,905.34

2. A portion of the improvements located on the herein described propertywas previously a mobile home which has been converted to real propertyby manufactured home title elimination certificate recorded underrecording number 3715144.

3. A deed of trust to secure an indebtedness in the amount shown below,

Amount: $175,300.00Dated: January 12, 2018Trustor/Grantor: James A. Brassard, unmarried manTrustee: Fidelity National Title Insurance CompanyBeneficiary: Mortgage Electronic Registration Systems Inc. as nominee for lender Planet Home Lending,LLC.Recording Date: January 24, 2018Recording No.: 4608321

4. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document:

Purpose: ingress, egress and utilitiesRecording Date: April 12, 1971Recording No.: 840305Affects: Portion of said premises


Commitment


(continued)





5. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document:

Granted to: Puget Sound Power & Light CompanyPurpose: Electric transmission and/or distribution lineRecording Date: January 12, 1971Recording No.: 835539Affects: Portion of said premises

6. Matters set forth on survey recorded under Auditor's File No. 9410050108, as follows:

A) Gravel drive 11.2 feet Northerly of property line as shown.

B) 7.1 foot gap in deeds adjacent to the South boundary as shown.

7. Private Access Road Maintenance Agreement, and the terms and conditions thereof:

Recording Date: June 29, 2004Recording No.: 3653670

END OF SCHEDULE B, PART II


Commitment





COMMITMENT CONDITIONS

1. DEFINITIONS(a) "Knowledge" or "Known": Actual or imputed knowledge, but not constructive notice imparted by the Public Records.(b) "Land": The land described in Schedule A and affixed improvements that by law constitute real property. The term "Land" does not include

any property beyond the lines of the area described in Schedule A, nor any right, title, interest, estate, or easement in abutting streets, roads,avenues, alleys, lanes, ways, or waterways, but this does not modify or limit the extent that a right of access to and from the Land is to beinsured by the Policy.

(c) "Mortgage": A mortgage, deed of trust, or other security instrument, including one evidenced by electronic means authorized by law.(d) "Policy": Each contract of title insurance, in a form adopted by the American Land Title Association, issued or to be issued by the Company

pursuant to this Commitment.(e) "Proposed Insured": Each person identified in Schedule A as the Proposed Insured of each Policy to be issued pursuant to this Commitment.(f) "Proposed Policy Amount": Each dollar amount specified in Schedule A as the Proposed Policy Amount of each Policy to be issued pursuant

to this Commitment.(g) "Public Records": Records established under state statutes at the Commitment Date for the purpose of imparting constructive notice of

matters relating to real property to purchasers for value and without Knowledge.(h) "Title": The estate or interest described in Schedule A.

2. If all of the Schedule B, Part I-Requirements have not been met within the time period specified in the Commitment to Issue Policy, thisCommitment terminates and the Company's liability and obligation end.

3. The Company's liability and obligation is limited by and this Commitment is not valid without:(a) the Notice;(b) the Commitment to Issue Policy;(c) the Commitment Conditions;(d) Schedule A;(e) Schedule B, Part I-Requirements;(f) Schedule B, Part II-Exceptions; and(g) a counter-signature by the Company or its issuing agent that may be in electronic form.

4. COMPANY'S RIGHT TO AMENDThe Company may amend this Commitment at any time. If the Company amends this Commitment to add a defect, lien, encumbrance, adverseclaim, or other matter recorded in the Public Records prior to the Commitment Date, any liability of the Company is limited by CommitmentCondition 5. The Company shall not be liable for any other amendment to this Commitment.

5. LIMITATIONS OF LIABILITY(a) The Company's liability under Commitment Condition 4 is limited to the Proposed Insured's actual expense incurred in the interval between

the Company's delivery to the Proposed Insured of the Commitment and the delivery of the amended Commitment, resulting from theProposed Insured's good faith reliance to:(i) comply with the Schedule B, Part I-Requirements;(ii) eliminate, with the Company's written consent, any Schedule B, Part II-Exceptions; or(iii) acquire the Title or create the Mortgage covered by this Commitment.

(b) The Company shall not be liable under Commitment Condition 5(a) if the Proposed Insured requested the amendment or had Knowledge ofthe matter and did not notify the Company about it in writing.

(c) The Company will only have liability under Commitment Condition 4 if the Proposed Insured would not have incurred the expense had theCommitment included the added matter when the Commitment was first delivered to the Proposed Insured.

(d) The Company's liability shall not exceed the lesser of the Proposed Insured's actual expense incurred in good faith and described inCommitment Conditions 5(a)(i) through 5(a)(iii) or the Proposed Policy Amount.

(e) The Company shall not be liable for the content of the Transaction Identification Data, if any.(f) In no event shall the Company be obligated to issue the Policy referred to in this Commitment unless all of the Schedule B,

Part I-Requirements have been met to the satisfaction of the Company.(g) In any event, the Company's liability is limited by the terms and provisions of the Policy.

6. LIABILITY OF THE COMPANY MUST BE BASED ON THIS COMMITMENT(a) Only a Proposed Insured identified in Schedule A, and no other person, may make a claim under this Commitment.


Commitment

(continued)





(b) Any claim must be based in contract and must be restricted solely to the terms and provisions of this Commitment.(c) Until the Policy is issued, this Commitment, as last revised, is the exclusive and entire agreement between the parties with respect to the

subject matter of this Commitment and supersedes all prior commitment negotiations, representations, and proposals of any kind, whetherwritten or oral, express or implied, relating to the subject matter of this Commitment.

(d) The deletion or modification of any Schedule B, Part II-Exception does not constitute an agreement or obligation to provide coverage beyondthe terms and provisions of this Commitment or the Policy.

(e) Any amendment or endorsement to this Commitment must be in writing and authenticated by a person authorized by the Company.(f) When the Policy is issued, all liability and obligation under this Commitment will end and the Company's only liability will be under the Policy.

7. IF THIS COMMITMENT HAS BEEN ISSUED BY AN ISSUING AGENTThe issuing agent is the Company's agent only for the limited purpose of issuing title insurance commitments and policies. The issuing agent isnot the Company's agent for the purpose of providing closing or settlement services.

8. PRO-FORMA POLICYThe Company may provide, at the request of a Proposed Insured, a pro-forma policy illustrating the coverage that the Company may provide. Apro-forma policy neither reflects the status of Title at the time that the pro-forma policy is delivered to a Proposed Insured, nor is it a commitmentto insure.

END OF CONDITIONS

RECORDING REQUIREMENTS

Recording Requirements Printed: 04.09.19 @ 11:55 AM by MKWA00000924.doc / Updated: 02.13.18 Page 12 WA-CT-FNOY-02150.620144-190029035

Effective January 1, 1997, document format and content requirements have been imposed by Washington Law.Failure to comply with the following requirements may result in rejection of the document by the county recorder orimposition of a $50.00 surcharge.

First page or cover sheet:

3" top margin containing nothing except the return address.

1" side and bottom margins containing no markings or seals.

Title(s) of documents.

Recording no. of any assigned, released or referenced document(s).

Grantors names (and page no. where additional names can be found).

Grantees names (and page no. where additional names can be found).

Abbreviated legal description (Lot, Block, Plat Name or Section, Township, Range and Quarter, Quarter Sectionfor unplatted). Said abbreviated legal description is not a substitute for a complete legal description which mustalso appear in the body of the document.

Assessor’s tax parcel number(s).

Return address (in top 3" margin).

**A cover sheet can be attached containing the above format and data if the first page does not contain allrequired data.

Additional Pages:

1" top, side and bottom margins containing no markings or seals.

All Pages:

No stapled or taped attachments. Each attachment must be a separate page. All notary and other pressure sealsmust be smudged for visibility. Font size of 8 points or larger.

Wire Fraud Alert Page 13Original Effective Date: 5/11/2017Current Version Date: 5/11/2017 190029035 - WIRE0016 (DSI Rev. 12/07/17)

TM and © Fidelity National Financial, Inc. and/or an affiliate. All rights reserved

WIRE FRAUD ALERTThis Notice is not intended to provide legal or professional advice.

If you have any questions, please consult with a lawyer.

All parties to a real estate transaction are targets for wire fraud and many have lost hundreds of thousands ofdollars because they simply relied on the wire instructions received via email, without further verification. If fundsare to be wired in conjunction with this real estate transaction, we strongly recommend verbal verificationof wire instructions through a known, trusted phone number prior to sending funds.

In addition, the following non-exclusive self-protection strategies are recommended to minimize exposure topossible wire fraud.

NEVER RELY on emails purporting to change wire instructions. Parties to a transaction rarely change wireinstructions in the course of a transaction.

ALWAYS VERIFY wire instructions, specifically the ABA routing number and account number, by calling theparty who sent the instructions to you. DO NOT use the phone number provided in the email containing theinstructions, use phone numbers you have called before or can otherwise verify. Obtain the number ofrelevant parties to the transaction as soon as an escrow account is opened. DO NOT send an email toverify as the email address may be incorrect or the email may be intercepted by the fraudster.

USE COMPLEX EMAIL PASSWORDS that employ a combination of mixed case, numbers, and symbols.Make your passwords greater than eight (8) characters. Also, change your password often and do NOT reusethe same password for other online accounts.

USE MULTI-FACTOR AUTHENTICATION for email accounts. Your email provider or IT staff may havespecific instructions on how to implement this feature.

For more information on wire-fraud scams or to report an incident, please refer to the following links:

Federal Bureau of Investigation: Internet Crime Complaint Center:http://www.fbi.gov http://www.ic3.gov

http://www.fbi.gov

http://www.ic3.gov

Privacy Statement Printed: 04.09.19 @ 11:57 AM by MKWA00000924.doc / Updated: 02.13.18 Page 14 WA-CT-FNOY-02150.620144-190029035

FIDELITY NATIONAL FINANCIALPRIVACY NOTICE

Revised May 1, 2018

Fidelity National Financial, Inc. and its majority-owned subsidiary companies (collectively, "FNF", "our," or "we")respect and are committed to protecting your privacy. This Privacy Notice explains how we collect, use, andprotect personal information, when and to whom we disclose such information, and the choices you have aboutthe use and disclosure of that information.

Types of Information CollectedWe may collect two types of information from you: Personal Information and Browsing Information.

Personal Information. FNF may collect the following categories of Personal Information:• contact information (e.g., name, address, phone number, email address);• demographic information (e.g., date of birth, gender, marital status);• identity information (e.g. Social Security Number, driver's license, passport, or other government ID number);• financial account information (e.g. loan or bank account information); and• other personal information necessary to provide products or services to you.

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pages within the FNF Website.

How Personal Information is CollectedWe may collect Personal Information about you from:• information we receive from you on applications or other forms;• information about your transactions with FNF, our affiliates, or others; and• information we receive from consumer reporting agencies and/or governmental entities, either directly from

these entities or through others.

How Browsing Information is CollectedIf you visit or use an FNF Website, Browsing Information may be collected during your visit. Like most websites,our servers automatically log each visitor to the FNF Website and may collect the Browsing Information describedabove. We use Browsing Information for system administration, troubleshooting, fraud investigation, and toimprove our websites. Browsing Information generally does not reveal anything personal about you, though if youhave created a user account for an FNF Website and are logged into that account, the FNF Website may be ableto link certain browsing activity to your user account.

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When Information Is DisclosedWe may make disclosures of your Personal Information and Browsing Information in the following circumstances:• to enable us to detect or prevent criminal activity, fraud, material misrepresentation, or nondisclosure;• to nonaffiliated service providers who provide or perform services or functions on our behalf and who agree to

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We reserve the right to transfer your Personal Information, Browsing Information, and any other information, inconnection with the sale or other disposition of all or part of the FNF business and/or assets, or in the event ofbankruptcy, reorganization, insolvency, receivership, or an assignment for the benefit of creditors. By submittingPersonal Information and/or Browsing Information to FNF, you expressly agree and consent to the use and/ortransfer of the foregoing information in connection with any of the above described proceedings.

Please see "Choices With Your Information" to learn the disclosures you can restrict.

Security of Your InformationWe maintain physical, electronic, and procedural safeguards to guard your Personal Information. We limit accessto nonpublic personal information about you to employees who need to know that information to do their job.When we provide Personal Information to others as discussed in this Privacy Notice, we expect that they processsuch information in compliance with our Privacy Notice and in compliance with applicable privacy laws.

Choices With Your InformationIf you do not want FNF to share your information with our affiliates to directly market to you, you may send an "optout" request by email, phone, or physical mail as directed at the end of this Privacy Notice. We do not share yourPersonal Information with nonaffiliates for their use to direct market to you.

Whether you submit Personal Information or Browsing Information to FNF is entirely up to you. If you decide notto submit Personal Information or Browsing Information, FNF may not be able to provide certain services orproducts to you.

For California Residents: We will not share your Personal Information or Browsing Information with nonaffiliatedthird parties, except as permitted by California law.

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For Oregon Residents: We will not share your Personal Information or Browsing Information with nonaffiliatedthird parties for marketing purposes, except after you have been informed by us of such sharing and had anopportunity to indicate that you do not want a disclosure made for marketing purposes.


For Vermont Residents: We will not disclose information about you creditworthiness to our affiliates and will notdisclose your personal information, financial information, credit report, or health information to nonaffiliated thirdparties to market to you, other than as permitted by Vermont law, unless you authorize us to make thosedisclosures.

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Accessing and Correcting Information; Contact UsIf you have questions, would like to access or correct your Personal Information, or want to opt-out of informationsharing for affiliate marketing, send your requests via email to [email protected], by phone to (888) 934-3354, or bymail to:

Fidelity National Financial, Inc.601 Riverside Avenue,

Jacksonville, Florida 32204Attn: Chief Privacy Officer

mailto:[email protected]

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Property Search > Search Results > Property Summary

Property Account Summary

4/9/2019

Property Number 11706420401 Property Address 6848 RICH RD SE , OLYMPIA, WA 98501

Tax Balance

To pay your property taxes on-line click the Begin Payment button and you

will be transferred from the Treasurer's web site to our secure payment vendor's web site where you can complete your payment. If this property is

noted as "Delinquency" in the General Information Status field, additional costs may be added monthly. At certain dates within the delinquency

process, all outstanding taxes, assessments, interest, penalties, and costs are due in certified funds. To get an accurate payoff amount, please contact

the Treasurer's Office at 360-786-5550.

Installments Payable

Tax

YearInstallment

Earliest

Due DatePrincipal

Interest,

Penalties and

Costs

Total

Due

Cumulative

Due

Select to

Pay

2019 1 04/30/2019 $1,452.67 $0.00 $1,452.67 $1,452.67 Select

2019 2 10/31/2019 $1,452.67 $0.00 $1,452.67 $2,905.34 Select

Begin Payment

View Detailed

Statement

Detailed information about taxes and all other charges

displayed above.Calculate Future

Payoff

Taxes, interest and penalty due on a specific future

date.

Installments Payable/Paid for Tax Year(Enter 4-digit Year, then Click-

Here): 2019

Distribution of Current Taxes

District Rate AmountVoted

Amount

Non-

Voted

Amount

Home Other Property Data Help

Page 1 of 3

4/9/2019https://tcproperty.co.thurston.wa.us/ascendweb/(S(hpeexxpfqqyaj05nbso5f2mq))/parcelinfo...

CONSERVATION FUTURES 0.04 $8.90 $0.00 $8.90

COUNTY ROAD 1.22 $271.74 $0.00 $271.74

FIRE DISTRICT #06 0.24 $52.99 $52.99 $0.00

FIRE DISTRICT #06 1.41 $312.60 $0.00 $312.60

MEDIC ONE 0.32 $70.38 $70.38 $0.00

PORT OF OLYMPIA 0.18 $40.91 $0.00 $40.91

PUD #1 0.01 $1.85 $0.00 $1.85

STATE OF WASHINGTON 2.54 $564.08 $0.00 $564.08

THURSTON COUNTY 1.22 $270.18 $0.00 $270.18

TIMBERLAND LIBRARY 0.36 $80.43 $0.00 $80.43

TUMWATER S.D. #33 4.96 $1,101.24 $1,101.24 $0.00

CONSERVATION DISTRICT $5.10 $0.00 $5.10

NOXIOUS WEED CONTROL $4.78 $0.00 $4.78

STATE FIRE PATROL $17.90 $0.00 $17.90

STORMWATER $102.26 $0.00 $102.26

TOTAL 12.50 $2,905.34 $1,224.61 $1,680.73

Levy Rate History

Tax Year Total Levy Rate

2018 13.10

2017 13.45

2016 13.43

Receipts

DateReceipt

No.

Amount

Applied

Amount

DueTendered Change

10/01/2018 11:19:00 4689243 $1,336.70 $1,336.70 $1,336.70 $0.00

04/17/2018 00:00:00 4586937 $1,336.69 $2,673.39 $1,336.69 $0.00

10/20/2017 00:00:00 4484699 $1,173.19 $1,173.19 $1,173.19 $0.00

04/14/2017 00:00:00 4360869 $1,173.19 $2,346.38 $1,173.19 $0.00

10/24/2016 00:00:00 4266889 $1,174.29 $1,174.29 $1,174.29 $0.00

04/21/2016 00:00:00 4150105 $1,174.28 $2,348.57 $1,174.28 $0.00

10/23/2015 00:00:00 4050895 $1,107.85 $1,107.85 $1,107.85 $0.00

04/15/2015 00:00:00 3927095 $1,107.85 $2,215.70 $1,107.85 $0.00

10/27/2014 00:00:00 3837144 $1,301.32 $1,301.32 $1,301.32 $0.00

04/22/2014 00:00:00 3733476 $1,301.32 $2,602.64 $1,301.32 $0.00

General Information

Alternate Property #

Property Description

Section 06 Township 17 Range 1W Quarter N2 SE DAF: BAP 491.27F E OF A PT ON ELN LN CO RD 972.04F SELY INTER W N LN SE; E 200F; S 209F; W 200F; N 209F POB INCLUDES 2005 SKYLINE 52/28

Page 2 of 3


Property Category Land and Improvements

Status Active, Locally Assessed

Tax Code Area 465

Remarks

Property Characteristics

Use Code 18 Other Residential

Size in Acres 0.96

Related Properties

No Related Properties Found

Parties

Role Percent Name Address

Taxpayer 100JAMES A BRASSARD

6848 RICH RD SE, OLYMPIA, WA 98501 UNITED STATES

Owner 100JAMES A BRASSARD

6848 RICH RD SE, OLYMPIA, WA 98501 UNITED STATES

Property Values

Value Type

Tax

Year

2019

Tax

Year

2018

Tax

Year

2017

Tax

Year

2016

Tax

Year

2015

Taxable Value Regular $222,100 $194,700 $165,250 $166,000 $156,000

Exemption Amount Regular

Market Total $222,100 $194,700 $165,250 $166,000 $156,000

Assessed Value $222,100 $194,700 $165,250 $166,000 $156,000

Market Land $89,500 $86,600 $81,550 $86,700 $75,400

Market Improvement $132,600 $108,100 $83,700 $79,300 $80,600

Personal Property

Active Exemptions

No Exemptions Found

Printable VersionDeveloped by Thomson Reuters.

@2005-2017 All rights reserved.

Version 4.0.2.8

Page 3 of 3


RERECORD TO TO REPLACB. PAGIL 5 of THEWhen recorded,returnto: MANUFACTUIED HOME1.141FBIDAVIltOF AIH(Kl4KDIONRIDERPlanetHome Lending,LLCAttn:FinalDocument Department105 Maxess Road, SuiteN107

Melville,NY 11747

Assessor'sParcelorAccountNumber: 11706420401

AbbreviatedLegalDescription:PTN SEC 6TWP 17N RGE 1W SE QTR, THURSTON COUNTYAPN:1706420401

Fulllegaldescriptionlocatedon page 2 6[Includelot,blockandputorsection,townshipandrange]

Trustee:FidelityNationalTitleInsuranceCompany, a Nebraska Corp.

TitleOrder No.: UNLS1089667

LOAN #:8102019068[SpaceAboveThisLineForRecordingDatal

CASE #: 46-46-6-0880395

DEED OF TRUST

MIN 1006543-0000041917-7

MERS PHONE #:1-888-679-6377

DEFINITIONSWords used inmultiplesectionsofthisdocument aredefinedbelow and otherwords aredefinedinSections3,11,13,18,20 and 21.Certainrulesregardingtheusage ofwords used inthisdocumentarealsoprovidedinSection16.

(A)"SecurityInstrument"means thisdocument,whichisdated January 12,2018,

togetherwithallRiderstothisdocument.

(B)"Borrower"is JAMES A BRASSARD, UNMARRIED MAN.

BorroweristhetrustorunderthisSecurityInstrument.

(C)"Lender"is PlanetHome Lending,LLC.

Lenderis a LimitedLiabilityCompany, organizedand existingunderthelawsof Delaware. Lender'saddressis

321 Research Parkway,Suite303,Meriden,CT 06450.

(D)"Trustee"is FidelityNationalTitleInsuranceCompany, a Nebraska Corp..

(E)"MERS" istheMortgageElectronicRegistrationSystems,Inc.Lenderhas appointedMERS asthenomineeforLenderforthisloan,andattacheda MERS RidertothisSecurityInstrument,tobeexecutedbyBorrower,whichfurtherdescribestherelationshipbetweenLenderand MERS, and whichisincorporatedintoand amends and supplementsthisSecurityInstrument.

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WAEDEED (CLS)01/10/201810:17AM PST

4608321 Pages: 2801/24/201803.25PM DeedOf TrustThurstonCountyWashingtonFIRSTAMERICANTITLE.

Allif4Ed@WANGEthlM Will

LOAN #:8102019068

(F)"Note"means thepromissorynotesignedby Borrowerand dated January 12,2018.

The NotestatesthatBorrowerowes Lender ONE HUNDRED SEVENTY FIVETHOUSAND THREE

HUNDREDANDNOl100***************************************************Dollars(U.S.$175,300.00 )plusinterest.Borrowerhas promisedtopaythisdebtinregularPeriodicPaymentsand topaythedebtinfullnotlaterthan February1,2043.

(G)"Property"means thepropertythatisdescribedbelowundertheheading"TransferofRightsinthe

Property."(H)"Loan"means thedebtevidencedbytheNote,plusinterest,anyprepaymentchargesandlatechargesdue undertheNote,and allsums due underthisSecurityInstrument,plusinterest.

(1)"Riders"means allRiderstothisSecurityInstrumentthatareexecutedby Borrower.The followingRidersaretobe executedby Borrower[checkbox asapplicable];

0 AdjustableRateRider 0 Condominium Rider 0 second Home Rider0 BalloonRider 0 PlannedUnitDevelopmentRider 2 V.A.Rider0 1-4FamilyRider 0 BiweeklyPayment Rider2 MortgageElectronicRegistrationSystems,Inc.RiderE Other(s){specify]ManufacturedHome Rider,ManufacturedHome AffidavitofAffixation

(J)"ApplicableLaw" means allcontrollingapplicablefederal,stateand localstatutes,regulations,ordinancesand administrativerulesand orders(thathavetheeffectoflaw)aswellas allapplicablefinal,non-appealablejudicialopinions.(K)"Community AssociationDues,Fees,and Assessments" means alldues,fees,assessmentsandotherchargesthatareimposedon BorrowerorthePropertybya condominiumassociation,homeownersassociationorsimilarorganization.(L)"ElectronicFundsTransfer"meansanytransferoffunds,otherthanatransactionoriginatedbycheck,draft,orsimilarpaperinstrument,whichisinitiatedthroughan electronicterminal,telephonicinstrument,

computer,ormagnetictapesoastoorder,instruct,orauthorizea financialinstitutiontodebitorcreditanaccount.Such termincludes,butisnotlimitedto,point-of-saletransfers,automatedtellermachinetrans-actions,transfersinitiatedbytelephone,wiretransfers,and automatedclearinghousetransfers.

(M)"Escrow items"means thoseitemsthataredescribedinSection3.

(N)"MiscellaneousProceeds"means any compensation,settlement,awardofdamages,orproceedspaidbyany thirdparty(otherthaninsuranceproceedspaidunderthecoveragesdescribedinSection5)for:(i)damage to,ordestructionof,theProperty;(ii)condemnationorothertakingofallorany partofthe

Property;(iii)conveyanceinlieuofcondemnation;or(iv)misrepresentationsof,oromissionsas to,thevalueand/orconditionoftheProperty.(0)"Mortgage Insurance"means insuranceprotectingLenderagainstthenonpaymentof,ordefaulton,theLoan.

(P)"PeriodicPayment" means theregularlyscheduledamountdue for(i)principaland interestundertheNote,plus(ii)anyamountsunderSection3 ofthisSecurityinstrument.

(Q)"RESPA" means theRealEstateSettlementProceduresAct(12U.S.C.52601etseq.)and itsimple-mentingregulation,RegulationX (12C.F.R.Part1024),astheymightbe amended fromtimetotime,oranyadditionalorsuccessorlegislationorregulationthatgovernsthesame subjectmatter.As usedinthisSecurityInstrument,"RESPA" referstoallrequirementsand restrictionsthatareimposedinregardtoa "federallyrelatedmortgageloan"eveniftheLoandoesnotqualifyasa"federallyrelatedmortgageloan"underRESPA.

(R)"Successor inInterestofBorrower"means any partythathastakentitletotheProperty,whetherornotthatpartyhasassumed Borrower'sobligationsundertheNoteand/orthisSecurityInstrument.

TRANSFER OF RIGHTS INTHE PROPERTYThe beneficiaryofthisSecurityInstrumentisMERS (solelyas nomineeforLenderand Lender'ssucces-sorsand assigns)and thesuccessorsand assignsofMERS. ThisSecurityInstrumentsecurestoLender:

(i)therepaymentoftheLoan,and allrenewais,extensionsand modificationsoftheNote;and (ii)the

performanceofBorrower'scovenantsand agreementsunderthisSecurityInstrumentand theNote.Forthispurpose,BorrowerirrevocablygrantsandconveystoTrustee,intrust,withpowerofsale,thefollowingdescribedpropertylocatedinthe County ofThurston

[TypeofRecordingJurisdiction][NameofRecordingJurisdiction]LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS EXHIBIT "A"PTN SEC 6 TWP 17N RGE iW SE QTR, THURSTON COUNTY APN:1706420401APN #: 11706420401

Initials-

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LOAN #:8102019068

whichcurrentlyhastheaddressof 6848 Rich Road SE,Olympia,[Street][City]

Washington 98501 ("PropertyAddress"):[ZipCode]

TOGETHER WITH alltheimprovementsnow orhereaftererectedontheproperty,and alleasements,

appurtenances,and fixturesnow orhereaftera partoftheproperty.Allreplacementsand additionsshallalsobe coveredbythisSecurityInstrument.AlloftheforegoingisreferredtointhisSecurityinstrumentasthe"Property."Borrowerunderstandsand agreesthatMERS holdsonlylegaltitletotheinterestsgrantedbyBorrowerinthisSecurityinstrument,but,ifnecessarytocomplywithlaworcustom,ME RS (asnomineeforLenderand Lender'ssuccessorsand assigns)hastheright:toexerciseany orallofthoseinterests,

including,butnotlimitedto,therighttoforecloseand selltheProperty;andtotakeany actionrequiredofLenderincluding,butnotlimitedto,releasingand cancelingthisSecurityInstrument.

BORROWER COVENANTS thatBorrowerislawfullyseisedoftheestateherebyconveyedand hastherighttograntand conveythePropertyand thatthePropertyisunencumbered,exceptforencum-brancesofrecord.Borrowerwarrantsand willdefendgenerallythetitletothePropertyagainstallclaimsand demands,subjecttoanyencumbrancesofrecord.

THIS SECURITY INSTRUMENT combines uniformcovenantsfornationaluse and non-uniformcovenantswithlimitedvariationsbyjurisdictiontoconstitutea uniformsecurityinstrumentcoveringreal

property.

UNIFORM COVENANTS. Borrowerand Lendercovenantand agreeasfollows:1. Payment of Principal,Interest,Escrow Items,Prepayment Charges,and LateCharges.

Borrowershallpay when due theprincipalof,and intereston,thedebtevidencedby theNoteand anyprepaymentchargesand latechargesdue undertheNote.Borrowershallalsopay fundsforEscrowitemspursuanttoSection3.Paymentsdue undertheNoteand thisSecurityinstrumentshallbe made inU.S.currencyHowever,ifany checkorotherinstrumentreceivedby Lenderas paymentundertheNoteorthisSecurityInstrumentisreturnedtoLenderunpaid,Lendermay requirethatany orallsubsequentpaymentsdue undertheNoteandthisSecurityinstrumentbe made inone ormore ofthefollowingforms,as selectedby Lender:(a)cash;(b)money order(c)certifiedcheck,bank check,treasurer'scheckorcashier'scheck,providedany suchcheckisdrawn upon an institutionwhose depositsareinsuredby afederalagency,instrumentality,orentity;or(d)ElectronicFundsTransfer.

Paymentsaredeemed receivedby Lenderwhen receivedatthelocationdesignatedintheNoteoratsuchotherlocationas may be designatedby LenderinaccordancewiththenoticeprovisionsinSection15.Lendermay returnany paymentorpartialpaymentifthepaymentorpartialpaymentsareinsufficienttobringtheLoancurrent.Lendermay acceptanypaymentorpartialpaymentinsufficienttobringtheLoancurrent,withoutwaiverofany rightshereunderorprejudicetoitsrightstorefusesuchpaymentorpartialpaymentsinthefuture,butLenderisnotobligatedtoapplysuchpaymentsatthetimesuchpaymentsare

accepted.IfeachPeriodicPaymentisappliedasofitsscheduledduedate,thenLenderneednotpayinter-eston unappliedfunds.Lendermay holdsuchunappliedfundsuntilBorrowermakes paymenttobringtheLoancurrent,IfBorrowerdoesnotdo sowithina reasonableperiodoftime,LendershalleitherapplysuchfundsorreturnthemtoBorrower.Ifnotappliedearlier,suchfundswillbeappliedtotheoutstandingprincipalbalanceundertheNoteimmediatelypriortoforeclosure.No offsetorclaimwhichBorrowermighthavenoworinthefutureagainstLendershallrelieveBorrowerfrommakingpaymentsdue undertheNoteand this

SecurityInstrumentorperformingthecovenantsand agreementssecuredbythisSecurityInstrument.2. ApplicationofPayments orProceeds.ExceptasotherwisedescribedinthisSection2,allpay-

mentsacceptedand appliedby Lendershallbe appliedinthefollowingorderofpriority:(a)interestdueundertheNote;(b)principaldue undertheNote;(c)amountsdue underSection3.Such paymentsshallbe appliedtoeach PeriodicPayment intheorderinwhichitbecame due.Any remainingamountsshallbeappliedfirsttolatecharges,secondtoanyotheramountsdue underthisSecurityInstrument,andthentoreducetheprincipalbalanceoftheNote.

IfLenderreceivesa paymentfromBorrowerfora delinquentPeriodicPaymentwhichincludesa suf-ficientamounttopayanylatechargedue,thepaymentmay be appliedtothedelinquentpaymentandthelatecharge.Ifmore thanone PeriodicPayment isoutstanding,Lendermay applyany paymentreceivedfromBorrowertotherepaymentofthePeriodicPaymentsif,and totheextentthat,eachpaymentcan be

paidinfull.To theextentthatanyexcessexistsafterthepaymentisappliedtothefullpaymentofone ormore PeriodicPayments,suchexcessmay be appiledtoany latechargesdue.Voluntaryprepaymentsshallbe appliedfirsttoany prepaymentchargesand thenas describedintheNote.

Any applicationofpayments,insuranceproceeds,orMiscellaneousProceedstoprincipaldue undertheNoteshallnotextendorpostponethedue date,orchangetheamount,ofthePeriodicPayments.

3. Funds forEscrow items.BorrowershallpaytoLenderon theday PeriodicPaymentsaredueundertheNote,untiltheNoteispaidinfull,a sum (the"Funds")toprovideforpaymentofamountsduefor:(a)taxesand assessmentsand otheritemswhichcan attainpriorityoverthisSecurityinstrumentasalienorencumbranceon theProperty,(b)leaseholdpaymentsorgroundrentson theProperty,ifany;(c)premiumsforanyand allinsurancerequiredby LenderunderSection5;and (d)MortgageInsurance

premiums,ifany,orany sums payableby BorrowertoLenderinlieuofthepaymentofMortgageinsur-ance premiumsinaccordancewiththeprovisionsofSection10.These itemsarecalled"EscrowItems."AtoriginationoratanytimeduringthetermoftheLoan,Lendermay requirethatCommunityAssociation

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LOAN #:8102019068

Dues,Fees,and Assessments,ifany,be escrowedby Borrower,and suchdues,feesand assessmentsshallbe an Escrowitem.BorrowershallpromptlyfurnishtoLenderallnoticesofamountstobe paidunderthisSection.Borrowershallpay LendertheFunds forEscrow ItemsunlessLenderwaivesBorrower's

obligationtopaytheFundsforanyorallEscrowItems.Lendermay waiveBorrower'sobligationtopaytoLenderFundsforanyorallEscrowItemsatanytime.Any suchwaivermay onlybe inwriting,Intheeventofsuchwaiver,Borrowershallpaydirectly,when andwherepayable,theamountsdueforanyEscrowItemsforwhichpaymentofFundshas been waivedby Lenderand,ifLenderrequires,shallfurnishtoLender

receiptsevidencingsuchpaymentwithinsuchtimeperiodas Lendermay require.Borrower'sobligationtomake suchpaymentsand toprovidereceiptsshallforallpurposesbe deemed tobe a covenantand

agreementcontainedinthisSecurityInstrument,asthephrase"covenantand agreement"isusedinSec-tion9.IfBorrowerisobligatedtopayEscrowItemsdirectly,pursuanttoa waiver,and Borrowerfailstopaytheamountdue foran EscrowItem,Lendermay exerciseitsrightsunderSection9 and paysuchamountand Borrowershallthenbe obligatedunderSection9 torepaytoLenderanysuchamount.LendermayrevokethewaiverastoanyorallEscrowItemsatanytimebya noticegiveninaccordancewithSection15and,uponsuchrevocation,BorrowershallpaytoLenderallFunds,and insuchamounts,thatarethen

requiredunderthisSection3.Lendermay,atanytime,collectandholdFundsinan amount(a)sufficienttopermitLendertoapplythe

FundsatthetimespecifiedunderRESPA, and (b)nottoexceedthemaximum amounta lendercanrequireunderRESPA. LendershallestimatetheamountofFundsdueonthebasisofcurrentdataand reasonableestimatesofexpendituresoffutureEscrowItemsorotherwiseinaccordancewithApplicableLaw.

The Fundsshallbeheldinaninstitutionwhose depositsareinsuredbyafederalagency,instrumental-

ity,orentity(includingLender,ifLenderisan institutionwhose depositsareso insured)orinany FederalHome Loan Bank.LendershallapplytheFundstopaytheEscrowItemsno laterthanthetimespecifiedunderRESPA. LendershallnotchargeBorrowerforholdingand applyingtheFunds,annuallyanalyzingtheescrowaccount,orverifyingtheEscrowItems,unlessLenderpays Borrowerintereston theFundsand ApplicableLaw permitsLendertomake sucha charge.Unlessan agreementismade inwritingor

ApplicableLaw requiresinteresttobe paidon theFunds,Lendershallnotbe requiredtopay Borrower

any interestorearningson theFunds.Borrowerand Lendercan agreeinwriting,however,thatinterestshallbe paidon theFunds.LendershallgivetoBorrower,withoutcharge,an annualaccountingoftheFundsas requiredby RESPA.

Ifthereisa surplusofFunds heldinescrow,as definedunderRESPA, LendershallaccounttoBor-rowerfortheexcessfundsinaccordancewithRESPA. Ifthereisa shortageofFundsheldinescrow,asdefinedunderRESPA, LendershallnotifyBorroweras requiredby RESPA, and Borrowershallpay toLendertheamount necessarytomake up theshortageinaccordancewithRESPA, butinno more than12 monthlypayments,Ifthereisa deficiencyofFunds heldinescrow,as definedunderRESPA, LendershallnotifyBorrowerasrequiredby RESPA, and BorrowershallpaytoLendertheamount necessarytomake up thedeficiencyinaccordancewithRESPA, butinno more than12 monthlypayments.

Upon paymentinfullofallsums securedbythisSecurityinstrument,LendershallpromptlyrefundtoBorrowerany Funds heldby Lender.

4. Charges;Liens.Borrowershallpayalltaxes,assessments,charges,fines,and impositionsattrib-utabletothePropertywhichcanattainpriorityoverthisSecurityInstrument,leaseholdpaymentsorgroundrentsontheProperty,ifany,andCommunityAssociationDues,Fees,andAssessments,ifany.TotheextentthattheseitemsareEscrowItems,Borrowershallpaythem inthemannerprovidedinSection3.

Borrowershallpromptlydischargeany lienwhichhas priorityoverthisSecurityinstrumentunlessBorrower:(a)agreesinwritingtothepaymentoftheobligationsecuredbythelienina manner acceptabletoLender,butonlyso longas Borrowerisperformingsuchagreement;(b)conteststhelieningood faith

by,ordefendsagainstenforcementofthelienin,legalproceedingswhichinLender'sopinionoperateto

preventtheenforcementofthelienwhilethoseproceedingsarepending,butonlyuntilsuchproceedingsareconcluded;or(c)securesfromtheholderofthelienanagreementsatisfactorytoLendersubordinatingthelientothisSecurityInstrument.IfLenderdeterminesthatany partofthePropertyissubjecttoalienwhichcan attainpriorityoverthisSecurityInstrument,Lendermay giveBorrowera noticeidentifyingthelien.Within10 daysofthedateon whichthatnoticeisgiven,Borrowershallsatisfythelienortakeone ormore oftheactionssetforthaboveinthisSection4.

Lendermay requireBorrowertopaya one-timechargefora realestatetaxverificationand/orreport-

ingserviceusedby LenderinconnectionwiththisLoan,5. PropertyInsurance.Borrowershallkeeptheimprovementsnow existingorhereaftererectedon

thePropertyinsuredagainstlossbyfire,hazardsincludedwithintheterm"extendedcoverage,"and anyotherhazardsincluding,butnotlimitedto,earthquakesand floods,forwhichLenderrequiresinsurance.Thisinsuranceshallbe maintainedintheamounts (includingdeductiblelevels)and fortheperiodsthatLenderrequires.What LenderrequirespursuanttotheprecedingsentencescanchangeduringthetermoftheLoan.The insurancecarrierprovidingtheinsuranceshallbechosenbyBorrowersubjecttoLender's

righttodisapproveBorrower'schoice,whichrightshallnotbeexercisedunreasonably.Lendermay requireBorrowertopay,inconnectionwiththisLoan,either:(a)a one-timechargeforfloodzone determination,certificationand trackingservices;or(b)a one-timechargeforfloodzone determinationand certificationservicesand subsequentchargeseachtimeremappingsorsimilarchangesoccurwhichreasonablymightaffectsuchdeterminationorcertification.Borrowershallalsobe responsibleforthepaymentofanyfees

imposedbytheFederalEmergencyManagement Agency inconnectionwiththereviewofanyfloodzonedeterminationresultingfroman objectionby Borrower.

ifBorrowerfailstomaintainany ofthecoveragesdescribedabove,Lendermay obtaininsurance

coverage,atLender'soptionand Borrower'sexpense.Lenderisunderno obligationtopurchaseany

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LOAN #:8102019068

particulartypeoramount ofcoverage.Therefore,suchcoverageshallcoverLender,butmightormightnotprotectBorrower,Borrower'sequityintheProperty,orthecontentsoftheProperty,againstany risk,hazardorliabilityand mightprovidegreaterorlessercoveragethanwas previouslyineffect.Borrower

acknowledgesthatthecostoftheinsurancecoverageso obtainedmightsignificantlyexceedthecostof

insurancethatBorrowercouldhaveobtained.Any amountsdisbursedbyLenderunderthisSection5shallbecome additionaldebtofBorrowersecuredbythisSecurityInstrument.TheseamountsshallbearinterestattheNoteratefromthedateofdisbursementand shallbe payable,withsuchinterest,upon noticefromLendertoBorrowerrequestingpayment.

Allinsurancepoliciesrequiredby Lenderand renewalsofsuchpoliciesshallbe subjecttoLender's

righttodisapprovesuchpolicies,shallincludea standardmortgageclause,and shallname Lenderas

mortgageeand/orasan additionallosspayee.Lendershallhavetherighttoholdthepoliciesand renewalcertificates.IfLenderrequires,BorrowershallpromptlygivetoLenderallreceiptsofpaidpremiumsandrenewalnotices.IfBorrowerobtainsanyformofinsurancecoverage,nototherwiserequiredby Lender,fordamage to,ordestructionof,theProperty,suchpolicyshallincludea standardmortgageclauseandshallname Lenderas mortgageeand/orasan additionallosspayee.

Intheeventofloss,Borrowershallgivepromptnoticetotheinsurancecarrierand Lender.Lender

may make proofoflossifnotmade promptlyby Borrower.UnlessLenderand Borrowerotherwiseagreeinwriting,any insuranceproceeds,whetherornottheunderlyinginsurancewas requiredby Lender,shallbe appliedtorestorationorrepairoftheProperty,iftherestorationorrepairiseconomicallyfeasibleand Lender'ssecurityisnotlessened.Duringsuchrepairand restorationperiod,Lendershallhavethe

righttoholdsuch insuranceproceedsuntilLenderhas had an opportunitytoinspectsuch Propertytoensurethework has been completedtoLender'ssatisfaction,providedthatsuch inspectionshallbeundertakenpromptly.Lendermay disburseproceedsfortherepairsand restorationina singlepaymentorina seriesofprogresspaymentsastheworkiscompleted.Unlessan agreementismade inwritingor

ApplicableLaw requiresinteresttobe paidon suchinsuranceproceeds,Lendershallnotbe requiredto

pay Borroweranyinterestorearningson suchproceeds.Feesforpublicadjusters,orotherthirdparties,retainedby Borrowershallnotbe paidoutoftheinsuranceproceedsand shallbe thesoleobligationofBorrower.IftherestorationorrepairisnoteconomicallyfeasibleorLender'ssecuritywouldbe lessened,theinsuranceproceedsshallbe appliedtothesums securedbythisSecurityInstrument,whetherornotthendue,withtheexcess,ifany,paidtoBorrower.Such insuranceproceedsshallbe appliedintheorder

providedforinSection2.IfBorrowerabandonstheProperty,Lendermay file,negotiateand settleany availableinsurance

claimand relatedmatters.IfBorrowerdoes notrespondwithin30 daystoa noticefromLenderthattheinsurancecarrierhasofferedtosettlea claim,thenLendermay negotiateand settletheclaim.The 30-dayperiodwillbeginwhen thenoticeisgiven.Ineitherevent,orifLenderacquiresthePropertyunderSec-tion22 orotherwise,BorrowerherebyassignstoLender(a)Borrower'srightstoany insuranceproceedsinan amount nottoexceedtheamountsunpaidundertheNoteorthisSecurityinstrument,and (b)anyotherofBorrower'srights(otherthantherighttoany refundofunearnedpremiums paidby Borrower)underallinsurancepoliciescoveringtheProperty,insofaras suchrightsareapplicabletothecoverageoftheProperty.Lendermay usetheinsuranceproceedseithertorepairorrestorethePropertyortopayamountsunpaidundertheNoteorthisSecurityInstrument,whetherornotthendue.

6. Occupancy.Borrowershalloccupy,establish,andusethePropertyasBorrower'sprincipalresidencewithin60 daysaftertheexecutionofthisSecurityInstrumentand shallcontinuetooccupythePropertyasBorrowersprincipalresidenceforatleastone yearafterthedateofoccupancy,unlessLenderotherwise

agreesinwriting,whichconsentshallnotbe unreasonablywithheld,orunlessextenuatingcircumstancesexistwhicharebeyondBorrower'scontrol.

7. Preservation,Maintenanceand ProtectionoftheProperty;Inspections.Borrowershallnot

destroy,damage orimpairtheProperty,allowthePropertytodeteriorateorcommitwasteontheProperty.WhetherornotBorrowerisresidingintheProperty,BorrowershallmaintainthePropertyinordertopreventthePropertyfromdeterioratingordecreasinginvaluedue toitscondition.Unlessitisdeterminedpursu-anttoSection5 thatrepairorrestorationisnoteconomicallyfeasible,Borrowershallpromptlyrepairthe

Propertyifdamaged toavoidfurtherdeteriorationordamage. Ifinsuranceorcondemnationproceedsare

paidinconnectionwithdamage to,orthetakingof,theProperty,BorrowershallberesponsibleforrepairingorrestoringthePropertyonlyifLenderhas releasedproceedsforsuchpurposes.Lendermay disburse

proceedsfortherepairsand restorationina singlepaymentorina seriesofprogresspaymentsas thework iscompleted.Iftheinsuranceorcondemnationproceedsarenotsufficienttorepairorrestorethe

Property,BorrowerisnotrelievedofBorrower'sobligationforthecompletionofsuchrepairorrestoration.Lenderoritsagentmay make reasonableentriesupon and inspectionsoftheProperty.Ifithas rea-

sonablecause,Lendermay inspecttheinterioroftheimprovementson theProperty.LendershallgiveBorrowernoticeatthetimeoforpriortosuchan interiorinspectionspecifyingsuchreasonablecause.

8. Borrower'sLoanApplication.Borrowershallbeindefaultif,duringtheLoanapplicationprocess,Borrowerorany personsorentitiesactingatthedirectionofBorrowerorwithBorrower'sknowledgeorconsentgave materiallyfalse,misleading,orinaccurateinformationorstatementstoLender(orfailedto

provideLenderwithmaterialinformation)inconnectionwiththeLoan.Materialrepresentationsinclude,butarenotlimitedto,representationsconcerningBorrower'soccupancyofthePropertyas Borrower's

principalresidence.9. ProtectionofLender'sInterestinthePropertyand RightsUnder thisSecurityInstrument.

If(a)Borrowerfailstoperformthecovenantsand agreementscontainedinthisSecurityInstrument,(b)thereisa legalproceedingthatmightsignificantlyaffectLender'sinterestinthePropertyand/orrightsunderthisSecurityInstrument(suchas a proceedinginbankruptcy,probate,forcondemnationorforfeiture,for

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enforcementofalienwhichmay attainpriorityoverthisSecurityInstrumentortoenforcelawsorregulations),or(c)BorrowerhasabandonedtheProperty,thenLendermay do and payforwhateverisreasonableor

appropriatetoprotectLender'sinterestinthePropertyand rightsunderthisSecurityInstrument,includingprotectingandlorassessingthevalueoftheProperty,and securingand/orrepairingtheProperty.Lender'sactionscaninclude,butarenotlimitedto:(a)payinganysums securedbyalienwhichhaspriorityoverthis

Securityinstrument;(b)appearingincourt;and (c)payingreasonableattorneys'feestoprotectitsinterestinthePropertyand/orrightsunderthisSecurityinstrument,includingitssecuredpositionina bankruptcyproceeding.SecuringthePropertyincludes,butisnotlimitedto,enteringthePropertytomake repairs,changelocks,replaceorboardup doorsand windows,drainwaterfrompipes,eliminatebuildingorothercodeviolationsordangerousconditions,andhaveutilitiesturnedonoroff.AlthoughLendermay takeactionunderthisSection9,Lenderdoesnothavetodo soand isnotunderanydutyorobligationtodo so.Itis

agreedthatLenderincursno liabilityfornottakingany orallactionsauthorizedunderthisSection9.

Any amounts disbursedby LenderunderthisSection9 shallbecome additionaldebtofBorrowersecuredbythisSecurityinstrument.These amountsshallbearinterestattheNoteratefromthedateofdisbursementand shallbe payable,withsuchinterest,upon noticefromLendertoBorrowerrequestingpayment.

IfthisSecurityInstrumentison a leasehold,Borrowershallcomplywithalltheprovisionsofthelease.Borrowershallnotsurrendertheleaseholdestateand interestshereinconveyedorterminateorcancelthegroundlease.Borrowershallnot,withouttheexpresswrittenconsentofLender,alteroramend the

groundlease.IfBorroweracquiresfeetitletotheProperty,theleaseholdand thefeetitleshallnotmergeunlessLenderagreestothemergerinwriting.

10.Mortgage Insurance.IfLenderrequiredMortgageinsuranceasa conditionofmakingtheLoan,BorrowershallpaythepremiumsrequiredtomaintaintheMortgageInsuranceineffect.If,foranyreason,theMortgageInsurancecoveragerequiredby Lenderceasestobe availablefromthemortgageinsurerthatpreviouslyprovidedsuchinsuranceand Borrowerwas requiredtomake separatelydesignatedpay-mentstowardthepremiumsforMortgageInsurance,Borrowershallpaythepremiumsrequiredtoobtain

coveragesubstantiallyequivalenttotheMortgageInsurancepreviouslyineffect,ata costsubstantiallyequivalenttothecosttoBorroweroftheMortgageInsurancepreviouslyineffect,froman alternatemort-

gageinsurerselectedbyLender,IfsubstantiallyequivalentMortgageInsurancecoverageisnotavailable,BorrowershallcontinuetopaytoLendertheamountoftheseparatelydesignatedpaymentsthatwereduewhen theinsurancecoverageceasedtobe ineifect.Lenderwillaccept,useand retainthesepaymentsasa non-refundablelossreserveinlieuofMortgageInsurance.Such lossreserveshallbe non-refundable,

notwithstandingthefactthattheLoanisultimatelypaidinfull,and Lendershallnotbe requiredtopayBor-roweranyinterestoreamingson suchlossreserve.Lendercanno longerrequirelossreservepaymentsifMortgageinsurancecoverage(intheamount and fortheperiodthatLenderrequires)providedby aninsurerselectedby Lenderagainbecomes available,isobtained,and Lenderrequiresseparatelydesig-natedpaymentstowardthepremiumsforMortgageInsurance,ifLenderrequiredMortgageInsuranceasaconditionofmakingtheLoanand Borrowerwas requiredtomake separatelydesignatedpaymentstowardthepremiumsforMortgageinsurance,BorrowershallpaythepremiumsrequiredtomaintainMortgageInsuranceineffect,ortoprovidea non-refundablelossreserve,untilLender'srequirementforMortgageInsuranceends inaccordancewithany writtenagreementbetweenBorrowerand LenderprovidingforsuchterminationoruntilterminationisrequiredbyApplicableLaw.NothinginthisSection10affectsBor-rower'sobligationtopayinterestattherateprovidedintheNote.

MortgageInsurancereimbursesLender(oranyentitythatpurchasestheNote)forcertainlossesitmayincurifBorrowerdoes notrepaytheLoanas agreed.Borrowerisnota partytotheMortgageInsurance.

Mortgageinsurersevaluatetheirtotalriskon allsuchinsuranceinforcefromtimetotime,and mayenterintoagreementswithotherpartiesthatshareormodifytheirrisk,orreducelosses.Theseagreementsareon termsand conditionsthataresatisfactorytothemortgageinsurerand theotherparty(orparties)totheseagreements.These agreementsmay requirethemortgageinsurertomake paymentsusinganysourceoffundsthatthemortgageinsurermay have available(whichmay includefundsobtainedfrom

MortgageInsurancepremiums).As a resultoftheseagreements,Lender,anypurchaseroftheNote,anotherinsurer,anyreinsurer,any

otherentity,oranyaffiliateofanyoftheforegoing,may receive(directlyorindirectly)amountsthatderivefrom(ormightbecharacterizedas)a portionofBorrower'spaymentsforMortgageinsurance,inexchangeforsharingormodifyingthemortgageinsurer'srisk,orreducinglosses.Ifsuchagreementprovidesthatan affiliateofLendertakesa shareoftheinsurer'sriskinexchangefora shareofthepremiumspaidtotheinsurer,thearrangementisoftentermed"captivereinsurance."Further:

(a)Any such agreements willnot affectthe amounts thatBorrower has agreed to pay for

Mortgage Insurance,orany othertermsoftheLoan.Such agreementswillnotincreasetheamountBorrowerwillowe forMortgage Insurance,and theywillnotentitleBorrowertoany refund.

(b)Any such agreementswillnotaffecttherightsBorrowerhas -ifany -withrespecttothe

Mortgage InsuranceundertheHomeowners ProtectionActof1998orany otherlaw.These rightsmay includethe rightto receivecertaindisclosures,to requestand obtaincancellationofthe

Mortgage Insurance,tohave theMortgage Insuranceterminatedautomatically,and/ortoreceivea refundofany MortgageInsurancepremiums thatwere unearnedatthetimeofsuch cancellationortermination.

11.Assignment ofMiscellaneousProceeds;Forfeiture.AllMiscellaneousProceedsareherebyassignedtoand shallbe paidtoLender.

IfthePropertyisdamaged,suchMiscellaneousProceedsshallbe appliedtorestorationorrepairoftheProperty,iftherestorationorrepairiseconomicallyfeasibleand Lender'ssecurityisnotlessened.

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Duringsuchrepairand restorationperiod,LendershallhavetherighttoholdsuchMiscellaneousProceeds

untilLenderhas had an opportunitytoinspectsuchPropertytoensurethework has been completedto

Lender'ssatisfaction,providedthatsuch inspectionshallbe undertakenprompty.Lendermay pay fortherepairsand restorationina singledisbursementorina seriesofprogresspaymentsas thework is

completed.Unlessan agreementismade inwritingorApplicableLaw requiresinteresttobe paidon such

MiscellaneousProceeds,Lendershallnotbe requiredtopay Borrowerany interestorearningson suchMiscellaneousProceeds.IftherestorationorrepairisnoteconomicallyfeasibleorLender'ssecuritywould

belessened,theMiscellaneousProceedsshallbeappliedtothesums securedbythisSecurityInstrument,whetherornotthendue,withtheexcess,ifany,paidtoBorrower.Such MiscellaneousProceedsshallbe

appliedintheorderprovidedforinSection2.Intheeventofa totaltaking,destruction,orlossinvalueoftheProperty,theMiscelianeousProceeds

shallbe appliedtothesums securedbythisSecurityInstrument,whetherornotthendue,withtheexcess,ifany,paidtoBorrower.

Intheeventofa partialtaking,destruction,orlossinvalueofthePropertyinwhichthefairmarketvalueofthePropertyimmediatelybeforethepartialtaking,destruction,orlossinvalueisequaltoorgreaterthantheamount ofthesums securedbythisSecurityInstrumentimmediatelybeforethepartialtaking,destruction,orlossinvalue,unlessBorrowerand Lenderotherwiseagreeinwriting,thesums securedbythisSecurityInstrumentshallbe reducedbytheamountoftheMiscellaneousProceedsmultipliedbythe

followingfraction:(a)thetotalamountofthesums securedimmediatelybeforethepartialtaking,destruc-

tion,orlossinvaluedividedby (b)thefairmarketvalueofthePropertyimmediatelybeforethepartialtaking,destruction,orlossinvalue.Any balanceshallbe paidtoBorrower.

Intheeventofa partialtaking,destruction,orlossinvalueofthePropertyinwhichthefairmarketvalueofthePropertyimmediatelybeforethepartialtaking,destruction,orlossinvalueislessthantheamountofthesums securedimmediatelybeforethepartialtaking,destruction,orlossinvalue,unlessBorrowerand Lenderotherwiseagreeinwriting,theMiscellaneousProceedsshallbe appliedtothesums secured

bythisSecurityinstrumentwhetherornotthesums arethendue.IfthePropertyisabandonedby Borrower,orif,afternoticeby LendertoBorrowerthattheOpposing

Party(asdefinedinthenextsentence)offerstomake an awardtosettlea claimfordamages,BorrowerfailstorespondtoLenderwithin30daysafterthedatethenoticeisgiven,LenderisauthorizedtocollectandapplytheMiscellaneousProceedseithertorestorationorrepairofthePropertyortothesums secured

bythisSecurityInstrument,whetherornotthendue."OpposingParty"means thethirdpartythatowesBorrowerMiscellaneousProceedsorthepartyagainstwhom Borrowerhasa rightofactioninregardtoMiscellaneousProceeds.

Borrowershallbe indefaultifany actionorproceeding,whethercivilorcriminal,isbegun that,inLender'sjudgment,couldresultinforfeitureofthePropertyorothermaterialimpairmentofLender'sinterestinthePropertyorrightsunderthisSecurityInstrument.Borrowercan curesucha defaultand,ifaccelerationhasoccurred,reinstateas providedinSection19,bycausingtheactionorproceedingtobedismissedwitha rulingthat,inLender'sjudgment,precludesforfeitureofthePropertyorothermaterial

impairmentofLender'sinterestinthePropertyorrightsunderthisSecurityInstrument.The proceedsof

anyawardorclaimfordamages thatareattributabletotheimpairmentofLender'sinterestinthePropertyareherebyassignedand shallbe paidtoLender.

AllMiscellaneousProceedsthatarenotappliedtorestorationorrepairofthePropertyshallbe appliedintheorderprovidedforinSection2.

12.BorrowerNot Released;ForbearanceBy LenderNot a Waiver.Extensionofthetimeforpay-mentormodificationofamortizationofthesums securedbythisSecurityInstrumentgrantedbyLenderto

Borrowerorany SuccessorinInterestofBorrowershallnotoperatetoreleasetheliabilityofBorroweror

anySuccessorsinInterestofBorrower.Lendershallnotberequiredtocommence proceedingsagainstanySuccessorinInterestofBorrowerortorefusetoextendtimeforpaymentorotherwisemodifyamortization

ofthesums securedbythisSecurityInstrumentbyreasonofanydemand made bytheoriginalBorrowerorany SuccessorsinInterestofBorrower.Any forbearanceby Lenderinexercisingany rightorremedy

including,withoutlimitation,Lender'sacceptanceofpaymentsfromthirdpersons,entitiesorSuccessors

inInterestofBorrowerorinamountslessthantheamountthendue,shallnotbe a waiveroforprecludetheexerciseofany rightorremedy.

13.Jointand SeveralLiability;Co-signers;SuccessorsandAssignsBound.Borrowercovenants

and agreesthatBorrower'sobligationsand liabilityshallbejointand several.However,any Borrowerwho co-signsthisSecurityinstrumentbutdoes notexecutetheNote(a"co-signer"):(a)isco-signingthis

SecurityInstrumentonlytomortgage,grantand conveytheco-signer'sinterestinthePropertyunderthe

termsofthisSecurityInstrument;(b)isnotpersonallyobligatedtopaythesums securedbythisSecurityInstrument;and (c)agreesthatLenderand any otherBorrowercan agreetoextend,modify,forbearormake any accommodationswithregardtothetermsofthisSecurityInstrumentortheNotewithoutthe

co-signer'sconsent.

SubjecttotheprovisionsofSection18,anySuccessorinInterestofBorrowerwho assumes Borrower's

obligationsunderthisSecurityInstrumentinwriting,and isapprovedby Lender,shallobtainallofBor-rower'srightsand benefitsunderthisSecurityInstrument.Borrowershallnotbe releasedfromBorrower's

obligationsand liabilityunderthisSecurityInstrumentunlessLenderagreestosuchreleaseinwriting.Thecovenantsand agreementsofthisSecurityInstrumentshallbind(exceptas providedinSection20)andbenefitthesuccessorsand assignsofLender.

14.Loan Charges.Lendermay chargeBorrowerfeesforservicesperformedinconnectionwithBor-rower'sdefault,forthepurposeofprotectingLender'sinterestinthePropertyandrightsunderthisSecurityinstrument,including,butnotlimitedto,attorneys'fees,propertyinspectionand valuationfees.Inregard

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toany otherfees,theabsenceofexpressauthorityinthisSecurityinstrumenttochargea specificfeeto

Borrowershallnotbe construedasa prohibitionon thechargingofsuchfee.Lendermay notchargefees

thatareexpresslyprohibitedbythisSecurityInstrumentorbyApplicableLaw.IftheLoan issubjecttoa lawwhichsetsmaximum loancharges,and thatlawisfinallyinterpreted

sothattheinterestorotherloanchargescollectedortobe collectedinconnectionwiththeLoan exceed

thepermittedlimits,then:(a)any suchloanchargeshallbe reducedbytheamount necessarytoreduce

thechargetothepermittedlimit;and (b)any sums alreadycollectedfromBorrowerwhichexceeded

permittedlimitswillbe refundedtoBorrower.Lendermay choosetomake thisrefundby reducingthe

principalowed undertheNoteorby makinga directpaymenttoBorrower.Ifa refundreducesprincipal,thereductionwillbe treatedas a partialprepaymentwithoutany prepaymentcharge(whetherornota

prepaymentchargeisprovidedforundertheNote).Borrower'sacceptanceofany suchrefundmade bydirectpaymenttoBorrowerwillconstitutea waiverofany rightofactionBorrowermighthavearisingout

ofsuchovercharge.15.Notices.AllnoticesgivenbyBorrowerorLenderinconnectionwiththisSecurityinstrumentmust

be inwriting.Any noticetoBorrowerinconnectionwiththisSecurityInstrumentshallbe deemed tohave

been giventoBorrowerwhen mailedbyfirstclassmailorwhen actuallydeliveredtoBorrower'snotice

addressifsentbyothermeans.Noticetoanyone BorrowershallconstitutenoticetoallBorrowersunless

ApplicableLaw expresslyrequiresotherwise.The noticeaddressshallbe thePropertyAddressunless

Borrowerhas designateda substitutenoticeaddressby noticetoLender.BorrowershallpromptlynotifyLenderofBorrower'schangeofaddress.IfLanderspecifiesa procedureforreportingBorrower'schangeofaddress,thenBorrowershallonlyreporta changeofaddressthroughthatspecifiedprocedure.There

may be onlyone designatednoticeaddressunderthisSecurityInstrumentatanyone time.Any noticeto

Lendershallbe givenbydeliveringitorby mailingitbyfirstclassmailtoLender'saddressstatedherein

unlessLenderhas designatedanotheraddressby noticetoBorrower.Any noticeinconnectionwiththis

SecurityInstrumentshallnotbedeemed tohavebeengiventoLenderuntilactuallyreceivedby Lender,If

any noticerequiredbythisSecurityinstrumentisalsorequiredunderApplicableLaw,theApplicableLaw

requirementwillsatisfythecorrespondingrequirementunderthisSecurityInstrument.

16.GoverningLaw;Severability;RulesofConstruction.ThisSecurityInstrumentshallbegoverned

by federallawand thelawofthejurisdictioninwhichthePropertyislocated.AIIrightsand obligationscontainedinthisSecurityInstrumentaresubjecttoany requirementsand limitationsofApplicableLaw

ApplicableLaw mightexplicitlyorimplicitlyallowthepartiestoagreebycontractoritmightbe silent,but

suchsilenceshallnotbe construedas a prohibitionagainstagreementbycontract.Intheeventthatany

provisionorclauseofthisSecurityinstrumentortheNoteconflictswithApplicableLaw,suchconflictshall

notaffectotherprovisionsofthisSecurityInstrumentortheNotewhichcan be giveneffectwithoutthe

conflictingprovision.As used inthisSecurityInstrument:(a)words ofthemasculinegendershallmean and include

correspondingneuterwordsorwordsofthefemininegender;(b)wordsinthesingularshallmean and

includethepluraland viceversa;and (c)theword "may"givessolediscretionwithoutany obligationto

takeany action.17.Borrower'sCopy.Borrowershallbe givenone copyoftheNoteand ofthisSecurityInstrument.

18.TransferofthePropertyora BeneficialInterestinBorrower.AsusedinthisSection18,"Inter-

estintheProperty"means anylegalorbeneficialinterestintheProperty,including,butnotlimitedto,those

beneficialintereststransferredina bondfordeed,contractfordeed,installmentsalescontractorescrow

agreement,theintentofwhichisthetransferoftitleby Borrowerata futuredatetoa purchaser.IfalloranypartofthePropertyoranyInterestinthePropertyissoldortransferred(orifBorrowerisnot

a naturalpersonand a beneficialinterestinBorrowerissoldortransferred)withoutLender'spriorwritten

consent,Lendermay requireimmediatepaymentinfullofallsums securedby thisSecurityInstrument.

However,thisoptionshallnotbe exercisedby LenderifsuchexerciseisprohibitedbyApplicableLaw.IfLenderexercisesthisoption,LendershallgiveBorrowernoticeofacceleration.The noticeshall

providea periodofnotlessthan30 daysfromthedatethenoticeisgiveninaccordancewithSection15

withinwhichBorrowermustpayallsums securedbythisSecurityInstrument.IfBorrowerfailstopaythese

sums priortotheexpirationofthisperiod,Lendermay invokeany remediespermittedby thisSecurityInstrumentwithoutfurthernoticeordemand on Borrower.

19.Borrower'sRightto ReinstateAfterAcceleration.IfBorrowermeetscertainconditions,Bor-

rowershallhavetherighttohaveenforcementofthisSecurityInstrumentdiscontinuedatany timepriortotheearliestof:(a)fivedaysbeforesaleofthePropertypursuanttoany powerofsalecontainedinthis

SecurityInstrument;(b)suchotherperiodasApplicableLaw mightspecifyfortheterminationofBorrower's

righttoreinstate;or(c)entryofajudgmentenforcingthisSecurityInstrument.Those conditionsarethat

Borrower:(a)pays Lenderallsums whichthenwould be due underthisSecurityInstrumentand theNoteas ifno accelerationhad occurred;(b)curesanydefaultofany othercovenantsoragreements;(c)

paysallexpensesincurredinenforcingthisSecurityInstrument,including,butnotlimitedto,reasonable

attorneys'fees,propertyinspectionand valuationfees,and otherfeesincurredforthepurposeofprotect-

ingLender'sinterestinthePropertyand rightsunderthisSecurityInstrument;and (d)takessuchaction

as Lendermay reasonablyrequiretoassurethatLender'sinterestinthePropertyand rightsunderthis

SecurityInstrument,and Borrower'sobligationtopaythesums securedbythisSecurityInstrument,shall

continueunchanged.Lendermay requirethatBorrowerpay suchreinstatementsums and expensesin

one ormore ofthefollowingforms,as selectedby Lender:(a)cash;(b)money order;(c)certifiedcheck,bank check,treasurer'scheckorcashier'scheck,providedany suchcheckisdrawn upon an institution

whose depositsareinsuredbya federalagency,instrumentalityorentity;or(d)ElectronicFundsTransfer.

Upon reinstatementby Borrower,thisSecurityInstrumentand obligationssecuredherebyshallremain

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fullyeffectiveas ifno accelerationhadoccurred.However,thisrighttoreinstateshallnotapplyinthecaseofaccelerationunderSection18.

20.SaleofNote;Change of Loan Servicer;NoticeofGrievance.The Noteora partialinterestintheNote(togetherwiththisSecurityinstrument)can be soldone ormore timeswithoutpriornoticetoBorrower.A salemightresultina changeintheentity(knownasthe"LoanServicer")thatcollectsPeriodic

Paymentsdue undertheNoteand thisSecurityinstrumentand performsothermortgageloanservicingobligationsundertheNote,thisSecurityinstrument,andApplicableLaw.Therealsomightbe one ormore

changesoftheLoan Servicerunrelatedtoa saleoftheNote.Ifthereisa changeoftheLoan Servicer,Borrowerwillbe givenwrittennoticeofthechangewhichwillstatethename and addressofthenew Loan

Servicer,theaddresstowhichpaymentsshouldbe made and any otherinformationRESPA requiresinconnectionwitha noticeoftransferofservicing.IftheNoteissoldand thereaftertheLoan isservicedbya LoanServicerotherthanthepurchaseroftheNote,themortgageloanservicingobligationstoBorrowerwillremainwiththeLoan Servicerorbe transferredtoa successorLoan Servicerand arenotassumed

bytheNotepurchaserunlessotherwiseprovidedbytheNotepurchaser.NeitherBorrowernorLendermay commence,join,orbejoinedtoanyjudicialaction(aseitheran indi-

viduallitigantorthemember ofa class)thatarisesfromtheotherparty'sactionspursuanttothisSecurityinstrumentorthatallegesthattheotherpartyhas breachedanyprovisionof,oranydutyowed byreasonof,thisSecurityInstrument,untilsuchBorrowerorLenderhas notifiedtheotherparty(withsuch notice

givenincompliancewiththerequirementsofSection15)ofsuchallegedbreachand affordedtheother

partyheretoa reasonableperiodafterthegivingofsuch noticetotakecorrectiveaction,IfApplicableLaw providesa timeperiodwhichmustelapsebeforecertainactioncanbe taken,thattimeperiodwillbedeemed tobe reasonableforpurposesofthisparagraph.The noticeofaccelerationand opportunitytocuregiventoBorrowerpursuanttoSection22 and thenoticeofaccelerationgiventoBorrowerpursuanttoSection18 shallbe deemed tosatisfythenoticeand opportunitytotakecorrectiveactionprovisionsofthisSection20.

21.Hazardous Substances.As used inthisSection21:(a)"HazardousSubstances"arethosesubstancesdefinedastoxicorhazardoussubstances,pollutants,orwastesby EnvironmentalLaw andthefollowingsubstances:gasoline,kerosene,otherflammableortoxicpetroleumproducts,toxicpesti-cidesand herbicides,volatilesolvents,materialscontainingasbestosorformaldehyde,and radioactivematerials;(b)"EnvironmentalLaw"means federallawsand lawsofthejurisdictionwhere thePropertyislocatedthatrelatetohealth,safetyorenvironmentalprotection;(c)"EnvironmentalCleanup"includes

any responseaction,remedialaction,orremovalaction,as definedinEnvironmentalLaw,and (d)an"EnvironmentalCondition"means a conditionthatcan cause,contributeto,or otherwisetriggeranEnvironmentalCleanup.

Borrowershallnotcauseorpermitthepresence,use,disposal,storage,orreleaseofany HazardousSubstances,orthreatentoreleaseany HazardousSubstances,on orintheProperty.Borrowershallnotdo,norallowanyoneelsetodo,anythingaffectingtheProperty(a)thatisinviolationofany EnvironmentalLaw,(b)whichcreatesan EnvironmentalCondition,or(c)which,due tothepresence,use,orreleaseofa HazardousSubstance,createsa conditionthatadverselyaffectsthevalueoftheProperty.The preced-ingtwosentencesshallnotapplytothepresence,use,orstorageon thePropertyofsmallquantitiesofHazardousSubstancesthataregenerallyrecognizedtobe appropriatetonormalresidentialusesand tomaintenanceoftheProperty(including,butnotlimitedto,hazardoussubstancesinconsumerproducts).

BorrowershallpromptlygiveLenderwrittennoticeof(a)any investigation,claim,demand, lawsuitorotheractionby anygovernmentalorregulatoryagencyorprivatepartyinvolvingthePropertyand anyHazardousSubstanceorEnvironmentalLaw ofwhichBorrowerhasactualknowledge,(b)any Environ-mentalCondition,includingbutnotlimitedto,any spilling,leaking,discharge,releaseorthreatofreleaseofany HazardousSubstance,and (c)anyconditioncausedbythepresence,useorreleaseofa Hazard-ous SubstancewhichadverselyaffectsthevalueofthePropedy.IfBorrowerlearns,orisnotifiedbyanygovernmentalorregulatoryauthority,orany privateparty,thatany removalorotherremediationofanyHazardousSubstanceaffectingthePropertyisnecessary,BorrowershallpromptlytakeallnecessaryremedialactionsinaccordancewithEnvironmentalLaw.Nothinghereinshallcreateany obligationonLenderforan EnvironmentalCleanup.

NON-UNIFORM COVENANTS. Borrowerand Lenderfurthercovenantand agreeasfollows:22.Acceleration;Remedies.LendershallgivenoticetoBorrowerpriortoaccelerationfollow-

ingBorrower'sbreachofany covenantoragreement inthisSecurityinstrument(butnotpriortoaccelerationunderSection18unlessApplicableLaw providesotherwise).The noticeshallspecify:(a)thedefault;(b)theactionrequiredtocurethedefault;(c)a date,not lessthan 30 days fromthedatethenoticeisgiventoBorrower,by which thedefaultmust be cured;and (d)thatfailuretocurethedefaulton orbeforethedatespecifiedinthenoticemay resultinaccelerationofthesumssecured by thisSecurityInstrumentand saleofthe Propertyatpublicauctionata datenot lessthan120 days inthefuture.The noticeshallfurtherinformBorroweroftherighttoreinstateafter

acceleration,therighttobringa courtactiontoassertthenon-existenceofa defaultorany otherdefenseofBorrowertoaccelerationand sale,and any othermattersrequiredtobe includedinthenoticeby ApplicableLaw. Ifthedefaultisnotcuredon or beforethedatespecifiedinthenotice,Lender atitsoption,may requireimmediatepayment infullofallsums securedby thisSecurityInstrumentwithoutfurtherdemand and may invokethepower ofsaleandlorany otherremedies

permittedby ApplicableLaw.Lendershallbe entitledtocollectallexpenses incurredinpursuingtheremediesprovidedinthisSection22,including,butnotlimitedto,reasonableattorneys'feesand costsoftitleevidence.

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IfLender invokesthepower ofsale,Lender shallgivewrittennoticetoTrusteeoftheoccur-renceofan eventofdefaultand ofLender'selectiontocause thePropertytobe sold.TrusteeandLendershalltakesuch actionregardingnoticeofsaleand shallgivesuch noticestoBorrowerandtootherpersons as ApplicableLaw may require.Afterthetimerequiredby ApplicableLaw andafterpublicationofthenoticeofsale,Trustee,withoutdemand on Borrower,shallsellthePropertyatpublicauctiontothehighestbidderatthetimeand placeand underthetermsdesignatedinthenoticeofsaleinone ormore parcelsand inany orderTrusteedetermines.Trusteemay postponesaleofthePropertyfora periodorperiodspermittedby ApplicableLaw by publicannouncementatthetimeand placefixedinthenoticeofsale.Lenderoritsdesigneemay purchasethePropertyatany sale.

Trusteeshalldeliverto the purchaserTrustee'sdeed conveying the Propertywithoutanycovenantorwarranty,expressedorimplied.The recitalsintheTrustee'sdeed shallbe primafacieevidenceofthetruthofthestatementsmade therein.Trusteeshallapplytheproceedsofthesaleinthefollowingorder:(a)toallexpensesofthesale,including,butnotlimitedto,reasonableTrustee'sand attorneys'fees;(b)toallsums securedby thisSecurityInstrument;and (c)any excesstothe

personorpersons legallyentitledtoitortotheclerkofthesuperiorcourtofthecountyinwhichthesaletookplace.

23.Reconveyance. Upon paymentofallsums securedby thisSecurityinstrument,Lendershall

requestTrusteetoreconveythePropertyand shallsurrenderthisSecurityinstrumentand allnotesevi-

dencingdebtsecuredbythisSecurityInstrumenttoTrustee.TrusteeshallreconveythePropertywithout

warrantytothepersonorpersonslegallyentitledtoit.Such personorpersonsshallpay anyrecordationcostsand theTrustee'sfeeforpreparingthereconveyance.

24.SubstituteTrustee.InaccordancewithApplicableLaw,Lendermay fromtimetotimeappointa successortrusteetoanyTrusteeappointedhereunderwho hasceasedtoact.WithoutconveyanceoftheProperty,thesuccessortrusteeshallsucceedtoallthetitle,powerand dutiesconferreduponTrusteehereinand byApplicableLaw.

25.Use ofProperty.The Propertyisnotusedprincipallyforagriculturalpurposes.26.Attorneys'Fees.Lendershallbe entitledtorecoveritsreasonableattomeys'feesand costsin

anyactionorproceedingtoconstrueorenforceanytermofthisSecurityInstrument.The term"attorneys'fees,"wheneverused inthisSecurityInstrument,shallincludewithoutlimitationattorneys'feesincurred

by Lenderinany bankruptcyproceedingoron appeal.

ORAL AGREEMENTS OR ORAL COMMITMENTS TO LOAN MONEY, EXTEND CREDIT, ORTO FORBEAR FROM ENFORCING REPAYMENT OF A DEBT ARE NOT ENFORCEABLEUNDER WASHINGTON LAW.

BY SIGNING BELOW, Borroweracceptsand agreestothetermsand covenantscontainedinthis

SecurityInstrumentand inany Riderexecutedby Borrowerand recordedwithit.

JAMES A BRASSARD DATE

STATE OF WASHINGTON COUNTY OF THURSTON SS:

On thisda personallyappeared beforeme JAMES A BRASSARD tome known to be theindividuala partiesdescribedinand who executedthewithinand foregoinginstrument,and acknowledged thatg?sheltheysignedthesame as herltheirfreeand voluntaryactand

deed,fortheuses and purposes thereinmention d \GIVEN under my hand and officialsealthis day of HildfulA ., .

NetdryPhblicinand fortheStateof .

Washington,residingat Al tCt /

My Appointment Expireson

NotaryPubic

StateofWashington

Usa Pier

Commission Exp es 02-10-18<-rgInitials:

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LOAN #:8102019068

Lender:PlanetHorne Lending,LLCNMLS ID:17022Loan Originator:ChristopherRobertStarkNMLS ID:1422232

initials:

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LOAN #:8102019068

CASE #: 46-46-6-0880395

MIN:1006543-0000041917-7

VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER

NOTICE: THIS LOAN IS NOTASSUMABLE WITHOUT

THE APPROVAL OF THE DEPARTMENT OF

VETERANS AFFAIRS OR ITS AUTHORIZED AGENT.

THIS VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER is made this

12th day of January,2018, and isincorporatedintoand shallbe deemed

to amend and supplement the Mortgage, Deed ofTrustor Deed to Secure Debt (herein

"SecurityInstrument")dated of even date herewith,given by the undersigned (herein

"Borrower")to secure Borrower's Note to PlanetHome Lending,LLC, a LimitedLiability

Company

(herein"Lender")and covering the Property described inthe SecurityInstrumentand located at

6848 Rich Road SE

Olympia,WA 98501

VA GUARANTEED LOAN COVENANT: Inadditiontothecovenants and agreements made

inthe SecurityInstrument,Borrower and Lender furthercovenant and agree as follows:

Ifthe indebtedness secured hereby be guaranteed orinsuredunder Title38, Un itedStates

Code, such Titleand Regulations issued thereunder and ineffecton the date hereofshall

govern therights,dutiesand liabilitiesofBorrower and Lender.Any provisionsoftheSecurityInstrument or other instruments executed inconnection with said indebtedness which

are inconsistentwith said Titleor Regulations,including,but not limitedto,the provisionfor payment of any sum in connection with prepayment of the secured indebtedness

and the provisionthatthe Lender may acceleratepayment ofthe secured indebtedness

pursuant to Covenant 18 ofthe Securityinstrument,are hereby amended or negated to

the extent necessary to conform such instruments to said Titleor Regulations.

LATE CHARGE: At Lender's option,and as allowed by applicablestatelaw,Borrower will

pay a "latecharge" not exceeding four per centum (4%) ofthe overdue payment when

paid more than fifteen(15) days afterthe due date thereofto cover the extra expenseinvolved in handling delinquent payments, but such "latecharge" shallnot be payableout ofthe proceeds ofany sale made tosatisfythe indebtedness secured hereby, unless

such proceeds are sufficientto discharge the entireindebtedness and allproper costs

and expenses secured hereby.

GUARANTY: Should the Department ofVeterans Affairsfailorrefusetoissueitsguarantyinfullamount within60 days from the date thatthisloanwould normally become eligiblefor such guaranty committed upon by the Department of Veterans Affairsunder the

provisionsofTitle38 ofthe U.S. Code "Veterans Benefits,"the Mortgagee may declarethe

indebtedness hereby secured atonce due and payable and may foreclose immediately or

may exerciseany otherrightshereunder ortakeany otherproperactionas by law provided.

TRANSFER OF THE PROPERTY: This loan may be declared immediately due and

payable upon transferofthe propertysecuring such loan to any transferee,unless the

acceptabilityof the assumption of the loan isestablished pursuant to Section 3714 of

Chapter 37, Title38, United States Code.

An authorized transfer("assumption")of the propertyshallalso be subjectto additional

covenants and agreements as set forthbelow:

(a)ASSUMPTION FUNDING FEE: Afee equal toone-halfof 1 percent (.50%) ofthe

balance ofthisloan as ofthe date oftransferofthe propertyshallbe payable atthe time of

transfertotheloanholderoritsauthorizedagent,astrusteeforthe DepartmentofVeterans

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Affairs.Ifthe assumer failsto pay thisfee at the time oftransfer,the fee shallconstitute

an additionaldebt tothatalreadysecured by thisinstrument,shallbear interestatthe rate

herein provided,and, at the optionof the payee of the indebtedness hereby secured or

any transfereethereof,shallbe immediately due and payable. This fee isautomaticallywaIved ifthe assumer isexempt under the provisionsof38 U.S.C. 3729 (c).

(b)ASSUMPTION PROCESSING CHARGE: Upon applicationforapproval to allow

assumption ofthisloan,a processingfeemay be charged by theloanholderoritsauthorized

agent fordetermining the creditworthinessofthe assumer and subsequently revisingtheholder'sownership records when an approved transferiscompleted. The amount ofthis

charge shallnotexceed the maximum establishedby the Department ofVeterans Affairsfora loan towhich Section 3714 of Chapter 37, Title38, United States Code applies.

(c)ASSUMPTION INDEMNITY LIABILITY: Ifthisobligationisassumed, then the

assumer hereby agrees toassume allofthe obligationsofthe veteran under the terms ofthe instrumentscreatingand securing the loan. Ihe assumer furtheragrees to indemnifythe Department of Veterans Affairsto the extent of any claim payment arisingfrom the

guaranty or insurance ofthe indebtedness created by thisinstrument.

IN WITNESS WHEREOF, Borrower(s) has executed thisVA Guaranteed Loan and

Assumption PolicyRider.


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LOAN #: 8102019068

MIN: 1006543-0000041917-7

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER

(MERS Rider)

THIS MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER

("MERS Rider")ismade this 12th day of January, 2018, and is

incorporated into and amends and supplements the Deed of Trust (the "Security

Instrument")ofthe same date given by the undersigned (the"Borrower,"whether there

are one or more persons undersigned) to secure Borrower's Note toPlanet Home Lending, LLC, a Limited LiabilityCompany

("Lender") of the same date and covering the Property described in the SecurityInstrument,which islocated at:

6848 Rich Road SE, Olympia, WA 98501.

Inadditiontothe covenants and agreements made inthe Securityinstrument,Borrower

and LenderfurthercovenantandagreethattheSecurityInstrumentisamendedasfollows:

A. DEFINITIONS

1. The Definitionssection of the Security Instrument isamended as follows:

"Lender" is Planet Home Lending, LLC.

Lender is a Limited LiabilityCompany organized and existingunder the laws of Delaware. Lender's address is

321 Research Parkway, Suite 303, Meriden, CT 06450.

Lender isthe beneficiaryunder thisSecurity Instrument.The term "Lender" includes

any successors and assigns of Lender.

"MERS" isMortgage ElectronicRegistrationSystems, Inc.MERS isa separate

corporation that isthe Nominee for Lender and isacting solelyfor Lender. MERS is

organized and existingunder the laws of Delaware, and has an address and telephonenumber of P.O. Box 2026, Flint,MI 48501-2026, tel.(888) 679-MERS. MERS is

appointed as the Nominee for Lender to exercise the rights,dutiesand obligationsof

Lender as Lender may from time totime direct,includingbut not limitedto appointing a

successor trustee,assigning,or releasing,inwhole or inpartthisSecurity Instrument,

foreclosing or directingTrustee to instituteforeclosure of this Security Instrument,

or taking such other actions as Lender may deem necessary or appropriate under

thisSecurity Instrument.The term "MERS" includes any successors and assigns of

MERS. This appointment shallinureto and bind MERS, itssuccessors and assigns,as well as Lender, untilMERS' Nominee interestisterminated.

2. The Definitionssectionofthe SecurityInstrument isfurtheramended to add

the followingdefinition:

"Nominee" means one designated to act foranother as itsrepresentativefor

a limitedpurpose.

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LOAN #: 8102019068

B. TRANSFER OF RIGHTS IN THE PROPERTY

The Transfer of Rights in the Property section of the Security Instrument is

amended to read as follows:

This Security Instrument secures to Lender: (i)the repayment ofthe Loan, and

allrenewals, extensions and modificationsof the Note; and (ii)the performance of

Borrower's covenants and agreements under thisSecurity Instrument and the Note.

For thispurpose, Borrower irrevocablygrants and conveys to Trustee, in trust,with

power of sale,the followingdescribed property located inthe

County [Type of Recording Jurisdiction]of

Thurston [Name of Recording Jurisdiction]:LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS

EXHIBIT "A"

PTN SEC 6 TWP 17N RGE 1W SE QTR, THURSTON COUNTY APN:1706420401

APN #: 11706420401

which currentlyhas the address of 6848 Rich Road SE, Olympia,

[Street][City]WA 98501 ("PropertyAddress"):

[State][ZipCode]

TOG ETH ER WITH allthe improvements now orhereaftererected on the property,and alleasements, appurtenances, and fixturesnow or hereaftera partofthe property.AIIreplacements and additionsshallalso be covered by thisSecurityInstrument.AIIof

the foregoing isreferredto inthisSecurity Instrument as the "Property."Lender, as the beneficiaryunder thisSecurity Instrument, designates MERS

as the Nominee for Lender. Any notice required by Applicable Law or this SecurityInstrument to be served on Lender must be served on MERS as the designatedNominee forLender. Borrower understands and agrees thatMERS, as the designatedNominee forLender, has the rightto exercise any or allinterestsgranted by Borrower

to Lender, including,but not limitedto,the rightto foreclose and sellthe Property;and to take any action required of Lender including,but not limitedto,assigning and

releasingthisSecurity instrument,and substitutinga successor trustee.

C. NOTICES

Section 15 of the Security Instrument isamended to read as follows:

15.Notices. Allnotices given by Borrower or Lender in connection with this

Security Instrument must be inwriting.Any noticeto Borrower inconnection with this

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LOAN #: 8102019068

Security Instrument shallbe deemed to have been given to Borrower when mailed

by firstclass mail or when actuallydelivered to Borrower's notice address ifsent

by other means. Notice to any one Borrower shallconstitutenotice to allBorrowers

unless Applicable Law expressly requires otherwise. The notice address shall be

the Property Address unless Borrower has designated a substitutenotice address

by notice to Lender. Borrower shallpromptly notifyLender of Borrower's change of

address. IfLender specifiesa procedure forreportingBorrower's change of address,

then Borrower shallonly reporta change of address through thatspecifiedprocedure.There may be only one designated notice address under thisSecurity Instrument at

any one time.Any noticeto Lender shallbe given by deliveringitor by mailing itby first

class mail to Lender's address stated herein unless Lender has designated another

address by notice to Borrower. Borrower acknowledges that any notice Borrower

provides to Lender must also be provided to MERS as Nominee for Lender until

MERS' Nominee interestisterminated.Any noticeprovided by Borrower inconnection

with thisSecurity Instrument willnot be deemed to have been given to MERS until

actuallyreceived by MERS. Any notice in connection with this Security Instrument

shallnot be deemed to have been given to Lender untilactuallyreceived by Lender. If

any notice required by thisSecurity Instrument isalso required under Applicable Law,

the Applicable Law requirement willsatisfythe corresponding requirement under this

Security Instrument.

D. SALE OF NOTE; CHANGE OF LOAN SERVICER; NOTICE OF GRIEVANCE

Section 20 ofthe SecurityInstrument isamended to read as follows:

20.Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note

or a partialinterestin the Note (togetherwith thisSecurity Instrument) can be sold

one or more times without priornoticeto Borrower. Lender acknowledges that untilit

directsMERS to assign MERS's Nominee interestinthisSecurity Instrument, MERS

remains the Nominee forLender, with the authorityto exercise the rightsof Lender. A

sale might resultina change inthe entity(known as the "Loan Servicer")thatcollects

Periodic Payments due under the Note and this Security Instrument and performsother mortgage loan servicingobligationsunder the Note, thisSecurity Instrument,

and Applicable Law. There also might be one or more changes of the Loan Servicer

unrelated to a sale ofthe Note. Ifthere isa change ofthe Loan Servicer,Borrower will

be given writtennotice of the change which willstatethe name and address of the

new Loan Servicer,the address to which payments should be made and any other

information RESPA requires inconnection with a notice of transferof servicing.Ifthe

Note is sold and thereafterthe Loan is serviced by a Loan Servicer other than the

purchaser ofthe Note, the mortgage loan servicingobligationsto Borrower willremain

with the Loan Servicer or be transferredto 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 eitheran individuallitigantor the member of a class)that arises from the

other party'sactions pursuant to thisSecurity Instrument or thatallegesthatthe other

party has breached any provision of,or any duty owed by reason of,this Security

instrument,untilsuch Borrower or Lender has notifiedthe other party(withsuch notice

given incompliance with the requirements of Section 15) of such alleged breach and

afforded the other party hereto a reasonable period afterthe givingof such notice to

take correctiveaction.IfApplicable Law provides a time period which must elapsebefore certainaction can be taken, thattime period willbe deemed to be reasonable

forpurposes ofthisparagraph. The noticeofaccelerationand opportunitytocure givento Borrower pursuant to Section 22 and the notice of accelerationgiven to Borrower

pursuant to Section 18 shallbe deemed to satisfythe notice and opportunityto take

correctiveaction provisionsof thisSection 20.

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LOAN #: 8102019068

E. SUBSTITUTE TRUSTEE

Section 24 of the Security Instrument isamended to read as follows:

24.Substitute Trustee. Inaccordance withApplicableLaw, Lender orMERS mayfrom timetotime appointa successor trusteetoany Trustee appointed hereunder who has

ceased to act.Without conveyance ofthe Property,the successor trusteeshallsucceed

to allthe title,power and dutiesconferred upon Trustee herein and by Applicable Law.

BY SIGNING BE LOW, Borrower accepts and agrees tothe terms and covenants

contained inthisMERS Rider.


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LOAN #: 8102019068

CASE #: 46-46-6-0880395

MANUFACTURED HOME RIDER TO THE MORTGAGEl

DEED OF TRUSTITRUST INDENTURE

OR OTHER SECURITY INSTRUMENT

This Rider ismade this 12th day of January, 2018 and isincorporatedintoand shallbe deemed to amend and supplement the Mortgage/Deed of Trust/Trustindenture or Other Security Instrument (the"Security Instrument")of the same date

given by the undersigned (the"Borrower") to secure Borrower's Note to Planet

Home Lending, LLC, a Limited LiabilityCompany

(the"Note Holder")of the same date (the "Note") and covering the property described in the Securityinstrument and located at 6848 Rich Road SE, Olympia, WA 98501

(PropertyAddress)

LEGAL DESCRIPTION:

LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS

EXHIBIT "A"


APN #: 11706420401

MODIFICATIONS: Inadditionto the covenants and agreements made inthe SecurityInstrument, Borrowers and Note Holder furthercovenant and agree as follows:

A. PROPERTY:

Property, as the term is defined herein, shall also encompass the followingmanufactured home (the"Manufactured Home"):New Used < Year 2005 Length 52 Width 27Manufacturer/Make SkylineModel Name or Model No. Ramada

SerialNo. 20910311SerialNo.

SerialNo.

SerialNo.

Certificateof TitleNumber 2 No Certificateof Title

has been issued.

B. ADDITIONAL COVENANTS OF BORROWER:

(a)Borrower(s) covenant and agree thatthey willcomply withallstateand locallawsand regulationsregarding the affixationof the Manufactured Home to the real

propertydescribed hereinincluding,butnotlimitedto,surrenderingthe Certificateof Title(ifrequired) and obtaining the requisitegovernmental approval and

executing any documentation necessary to classifythe Manufactured Home asrealproperty under stateand locallaw.

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(b)That the Manufactured Home described above shallbe,atalltimes,and forallpur-

poses, permanently affixedtoand partofthe realpropertylegallydescribed herein.

(c)Borrower(s) covenant thataffixingthe Manufactured Home to the realproperty

legallydescribedhereindoes notviolateany zoning laws orotherlocalrequirements

applicabletomanufacturedhomesandfuthercovenantthatthe Manufactured Home

has been deliveredand installedtotheirsatisfactionand isfreefrom alldefects.

C. RESPONSIBILITY FOR IMPROVEMENTS:

Note Holder/Lender shallnot be responsible forany improvements made or to be

made, or fortheircompletion relatingto the realproperty,and shallnot inany waybe considered a guarantor of performance by any person or party providing or

effectingsuch improvements.

D. INVALID PROVISIONS:

Ifany provisionofthisSecurityInstrumentisdeclared invalid,illegalor unenforceable

by a cout ofcompetent jurisdiction,then such invalid,illegalor unenforceable provi-sIons shallbe severed from thisSecurityInstrumentand the remainder enforced as if

such invalid,illegalorunenforceable provisionisnota partofthisSecurityInstrument.

By signing this,Borrower(s) agree to allofthe above.


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Thisdocument was preparedby:RacheleTringaliPlanetHome Lending,LLC105 Maxess Rd.,SuiteN107

Melville,NY 11747631-230-5469

LOAN #:8102019068

MANUFACTURED HOME AFFIDAVIT OF AFFIXATION RIDER

STATE OF WA

COUNTY OF THURSTON

This Manufactured Home AffidavitofAffixationismade this 12th day of

January,2018 and isincorporated intoand shallbe deemed to supplement the

Mortgage, Deed ofTrust,or SecurityDeed (the"Securityinstrument")ofthe same date

given by the undersigned (the"Borrower"or"Homeowner") tosecure Borrower's Note to

PlanetHome Lending,LLC, a LimitedLiabilityCompany

("Lender").

Borrower and Lender statethat itistheirintentthat the manufactured home be and

remain permanently attached to and part of the realproperty,and that itbe regardedas an immovable fixturetheretoand not as personal property.

"Homeowner" being duly sworn, on his,her or theiroath state(s)as follows:

1. Homeowner owns the manufactured home ("Home") described as follows:

New Used X Year 2005 Length 52 Width 27

Manufacturer/Make skyline

Model Name or Model NO. Ramada

SerialNO. 20910311

SerialNo.

SerialNo.

SerialNo.

HUD Label Number(s)

CertificateofTitleNumber

ATTENTION COUNTY CLERK: Thisinstrumentcoversgoodsthatam oraretobecome fixturesontheLand

describedhereinand istobefiledforrecordintherecordswhereconveyancesofrealestatearerecorded.

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2. The Home was builtincompliance withthefederalManufactured Home Construction

and Safety Standards Act.

3. Ifthe Homeowner isthe firstretailbuyer of the Home, Homeowner isin receiptof (i)the manufacturers warranty forthe Home, (ii)the consumer manual forthe

Home, (iii)the InsulationDisclosureforthe Home, and (iv)the formaldehyde health

noticeforthe Home.

4. The Homeowner isinreceiptofmanufacturers recommended maintenance program

regarding the carpets and manufacturers warranties covering the heating/cooling

system, hot water heater,range, etc.

5. The Home isor willbe located at the following"PropertyAddress":

6848 Rich Road SE,Olympia

(StreetorRoute,City)

Thurston,WA 98501 (County)(State,ZipCode)

6. The legaldescriptionofthe Property Address ("Land")istyped below or please see

attached legaldescription.LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS EXHIBIT "A"


7. The Homeowner isthe owner of the Land or,ifnot the owner of the Land, is in

possession of the realproperty pursuant to a lease in recordable form, and the

consent of the lessor isattached to thisAffidavit.

8. The Home is or shall be anchored to the Land by attachment to a permanent

foundation,constructed inaccordance withapplicablestateand localbuildingcodes

and manufacturers specificationsin a manner sufficientto validateany applicablemanufacturer's warranty, and permanently connected to appropriate residential

utilities(e.g.,water,gas, electricity,sewer) ("Permanently Affixed").TheHomeowner

intends thatthe Home be an immoveable fixtureand a permanent improvement to

the Land.

9. The Home shall be assessed and taxed as an improvement to the Land. The

Homeowner understands thatifthe Lender does not escrow forthese taxes,thatthe

Homeowner willbe responsibleforpayment of such taxes.

ATTENTION COUNTY CLERK: Thisinstrumentcovelsgoodsthatareoram tobecome fixturesontheLand


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10.The Home issubjecttothe followingsecurityinterests(each, a "SecurityInterest"):

Name of Lienholder Name of Lienholder

Address: Address:

OriginalPrincipal OriginalPrincipalAmount Secured: $ Amount Secured: $

11.Homeowner agrees thatas oftoday,or ifthe Home isnot yet locatedatthe PropertyAddress, upon the deliveryof the Home tothe Property Address:

(a)Allpermits requiredby governmental authoritieshave been obtained;

(b)The foundation system forthe Home was designed by an engineer to meet the

soilconditions of the Land. Allfoundations are constructed inaccordance with

applicablestateand localbuildingcodes, and manufacturer's specificationsin

a manner sufficientto validateany applicablemanufacturers warranty;

(c)Ifpiersare used forthe Home, they willbe placed where recommended by the

Home manufacturer;

(d)The wheels, axles,towbar or hitchwere removed when the Home was placedon the Property Address; and

(e)The Home is(i)Permanently Affixedto a foundation,(ii)has the characteristics

of site-builthousing, and (iii)ispart of the Land.

12.Ifthe Homeowner isthe owner of the Land, any conveyance or financing of the

Home and the Land shallbe a singletransactionunder applicablestatelaw.

13.Other than those disclosed inthisAffidavit,the Homeowner isnot aware of (i)anyother claim, lienor encumbrance affectingthe Home, (ii)any factsor information

known to the Homeowner thatcould reasonably affectthe validityof the titleof the

Home or the existence or non-existence of securityinterestsinit.

14.The Homeowner hereby initialsone ofthe followingchoices, as itapplies to titleto

the Home:

0 A. The Home isnot covered by a certificateof title.The originalmanufacturers

certificateoforigin,dulyendorsed tothe Homeowner, isattached tothisAffidavit,or previouslywas recorded inthe realproperty records ofthe jurisdictionwhere

the Home isto be located.

O B. The Home isnotcovered by a certificateoftitle.Afterdiligentsearch and inquiry,the Homeowner isunable to produce the originalmanufacturers certificateof

ongin.

O C. The manufacturers certificateof originand/or certificateof titleto the Home

0 shallbe 0 has been eliminated as required by applicablelaw.

9 D. The Home shallbe covered by a certificateof title.

15.This Affidavitisexecuted by Homeowner pursuant to applicablestatelaw.

ATTENTION COUNTY CLERK: Thisinstrumentcovelsgoodsthatareoraretobecome fixtureson theLand


Initials:TOEllieMae,Inc. Page 3 of5 GMANARDU 1117


LOAN #:8102019068

This Affidavitisexecuted by Homeowner(s) and Lienholder(s)pursuant to applicablestatelaw and shallbe recorded inthe realproperty records inthe county inwhich the

realproperty and manufactured home are located.



On thisday personallyappeared beforeme JAMES A BRASSARD tome known tobe theindividual /parties scribedinand who executedthewithinand foregoinginstrument,and acknowledged tha sheltheysignedthesame as erltheirfreeand voluntaryactand

deed,fortheuses and purposes thereinmentionedGIVEN under my hand and officialsealthis day ofa 211(M3DA .

NbtafyPublicinand for Stateof

Washington,residingat A VnAQ

My Appointment Expireson JO 0 8

NoteryPubic

StateofWashington

LisaP er

ATTENTION COUNTY CLERK: Thisinstrumentcoversgoodsthatareoraretobecome fixtureson theLand


Initials:EllieMae,Inc. Page 4 of5 GMANARDU 1117


LOAN #:8102019068

INWITNESS WHEREOF, Lender,beingdulyswornon oath,intendsthattheHome be and remain

PermanentlyAffixedtotheLand and thattheHome be an immoveablefixtureand notas personal

property

PlanetHome Lending,LLC,a LimitedLiabilityCompany

LCehnrs pherRobertStark

By:AuthorizedSignatu

STATE OF: OR )) SS *

COUNTY OF: PPC} )

On the day of kWAN intheyea beforeme, theundersigned,a NotaryPublicinand forsaidState,personallyappeared

personallyknown tome or provedtome on thebasis

ofsatisfactoryevidencetobe theindividual(s)whose name(s)is(are)subscribedtothewithin

instrumentand acknowledged tome thathelsheltheyexecutedthesame inhis/herltheir

capacity(ies),and thatby his/herltheirsignature(s)on theinstrument,theindividual(s),orthe

person on behalfofwhich theindividual(s)acted,executedtheinstrument.

V) OfficialSeal:

NotarySignature"""'""'

NotaryPrintedName Ico

NotaryPublic;Stateof 4 I *** I I

QualifiedintheCounty of RL%5 PUBL\C

0 .

My Commission expires:4 4

OF N

ATTENTION COUNTY CLERK: Thisinstrumentcoversgoodsthatareoraretobecome fixturesontheLand

describedhereinand istobefiledforrecordirltherecordswhereconveyancesofrealestatearerecorded.

Initials:EllieMae.Inc. Page 5 of5 GMANARou 1117


When recorded,returnto:PlanetHome Lending,LLCAttn:FinalDocument Department105 Maxess Road, SuiteN107

Melville,NY 11747

LOAN #:8102019068MIN:1006543-0000041917-7

REAL PROPERTY AND MANUFACTURED HOME

LIMITED POWER OF ATTORNEY

(Solelytoexecuteorreleasetitle,mortgageordeed oftrust,securityfiling,transferofequityand insurancedocumentsand proceeds.)

The undersignedborrower(s),JAMES A BRASSARD

whetherone ormore,eachreferredtobelowas "1"or"me,"residingat:6848 Rich Road SE,Olympia,WA 98501

("MailingAddress").

Iam theBuyer/Ownerofthefollowingmanufacturedhome (the"ManufacturedHome"):

New Used X Year 2005 Length 52 Width 27

Make Skyline

ModelName orModelNo. Ramada

Initials:EllieMae,Inc. Page 1 of3 GMANPRou 1114

GMANPRLU (CLS)01/10/201810:17AM PST

LOAN #:8102019068

SerialNo. 20910311

SerialNo.

SerialNo.

SerialNo.

permanentlyaffixedtotherealpropertylocatedat

6848 Rich Road SE (streetAddress)

Olympia,WA 98501 (city,state,zip)Thurston (county)

("PropertyAddress")andasmore particularlydescribedon ExhibitA attachedhereto(the"RealProperty").Ido herebyirrevocablymake,constitute,appointand authorizewithfullpowersofsubstitution,PlanetHome Lending,LLC, a LimitedLiabilityCompany

("Lender"),itssuccessors,assignsordesigneesasmy agentand attorney-in-fact,inmy name, placeand

steadinanyway whichIcoulddo,ifIwere personallypresent,withfullpowerofsubstitutionand delega-tion,(1)tocomplete,executeand deliver,inmy name orLender'sname,any and allforms,certificates,

assignments,designations,releasesorotherdocumentationasmay be necessaryorpropertoimplementthetermsand provisionsoftheSecurityInstrumentdated January 12,2018 executedbyme infavorofLender,(2)tocomplete,executeand deliver,inmy name orinLender'sname,any and all

forms,certificates,assignments,designations,releasesorotherdocumentationas may be necessaryor

propertomake applicationforand obtainthecertificateoftitlefortheManufacturedHome and tohave

Lender(oritsdesignee)designatedaslienholderonthecertificateoftitlefortheManufacturedHome, (3)to

complete,executeand deliverinmy name orLender'sname,anyand aliforms,certificates,assignments,

designations,releasesorotherdocumentationas may be necessaryorpropertohavetheManufactured

Home treatedas realestateforanyand allpurposesunderstatelaw,includingbutnotlimitedtothesur-

renderofanycertificateoftitle,anyelectiontotreattheManufacturedHome asrealestatefortaxpurposesortomeet anyotherrequirementsinorderfortheloan/financingsecuredbytheManufacturedHome and

theRealPropertytobe eligibleforsaleon theFederalNationalMortgageAssociation("FannieMae"),theFederalHome Loan MortgageAssociation("FreddieMac")oranyothersecondarymarketpurchaser,

(4)toreceive,complete,executeorendorse,and deliverinmy name orLender'sname any and allclaim

forms,agreements,assignments,releases,checks,draftsorotherinstrumentsand vehiclesforthepay-mentofmoney,relatingtoanyinsurancecoveringtheManufacturedHome, theindebtednesssecuredbytheManufacturedHome ortheRealProperty,and (5)tocomplete,signandfile,withoutmy signature,such

financingand continuationstatements,amendments,and supplementsthereto,mortgages,deedsoftrust

and otherdocuments,includingreleasesoftheseitems,whichImay fromtimetotimedeem necessaryto

perfect,preserveand protectLender'ssecurityinterestintheManufacturedHome, thePropertyand anyotherpropertysoldwithit.IacknowledgethatatthetimethisPower ofAttorneyand my Securityinstru-

mentand any oftheforms,certificates,assignments,designations,releasesorotherdocumentationare

preparedtheserialnumber ofthemanufacturedhousingunitmay notbe availableormay be inaccurate.

The manufacturedhousingunitmay be a factoryorderintheprocessofbeingconstructed.Immediately,

uponLender'sreceiptoftheserialnumber,Iunderstandandagreethattheaboveitemsmay becompletedandlorcorrectedbyLendertoproperlydisclosealltheapplicablehome identifications,includingtheserial

number.IunderstandthatIwillbe providedwitha copyofany correctedagreement.

To induceany thirdpartytoacthereunder,Iherebyagreethatanythirdpartyreceivinga dulyexecuted

copyorfacsimileofthisinstrumentmay acthereunder,and Iformyselfand formy heirs,executors,legal

representativesand assigns,herebyagreetoindemnifyand holdharmlessanysuchthirdpartyfromand

againstany and allclaimsthatmay ariseagainstsuchthirdpartyby reasonofsuchthirdpartyhavingreliedon theprovisionsofthisinstrument.IhavegiventhisLimitedPower ofAttorneyinconnectionwith

a loan/financingtobegivenbyLenderand toinduceLendertomake thefinancingavailable.Itiscoupledwithan interestinthetransactionand isirrevocable.ThisLimitedPower ofAttorneyshallnotbe affected

bymy (our)subsequentincapacity,disability,orincompetence.Ido furthergrantuntoLenderfullauthorityand powertodo and performany and allactsnecessaryorincidenttotheexecutionofthepowersherein

expresslygranted,asfullyas Imightorcoulddo ifpersonallypresent.

Initials:EllieMae,Inc. Page 2 of3 GMANPRDU 1114


LOAN #:8102019068

WITNESS my handand sealthis12th day of January,2018.



On this ay personallyappeared beforeme JAMES A BRASSARD tome known to be theindividual Ipartiesdescribedinand who executedthewithinand foregoinginstrument,and acknowledged tha Isheltheysignedthesame as(lilherltheirfreeand voluntaryactand deed,forthe uses and purposes thereinmentio d.

GIVEN under my hand and officialsealthis \ day of1 fluO,VIA. .

Notei*yPubut inand fortheStateof

Washington,residingat W117((1

My Appointment Expireson & 0 SO (

NotaryPublic

StateofWashington

LisaPier

Comm!ssion Excires02-10-131

InitialsEllieMae,Inc. Page 3 of3 GMANPRDU 1114


EXHIBIT "A"

VestedOwner: JAMES A. BRASSARD, AS HIS SOLE AND SEPARATE PROPERTY

RealpropertyintheCounty ofThurston,StateofWashington,describedasfollows:

PARCEL A:

THAT PART OF THE NORTH HALF OF THE SOUTHEAST QUARTER OF SECTION 6,TOWNSHIP 17

NORTH, RANGE 1 WEST, W.M., IN THURSTON COUNTY, WASHINGTON DESCRIBED AS

FOLLOWS:

BEGINNING AT A POINT 491.27FEET EAST OF A POINT ON THE EASTERLY LINE OF COUNTY

ROAD (EAST OLYMPIA ROAD) 972.04FEET SOUTHEASTERLY OF ITS INTERSECTION WITH THE

NORTH LINE OF SAID SOUTHEAST QUARTER;THENCE EAST 200 FEET;THENCE SOUTH 209 FEET;THENCE WEST PARALLEL WITH SAID NORTH LINE 200 FEET;THENCE NORTH 209 FEET TO THE POINT OF BEGINNING;

PARCEL B:

A NON-EXCLUSIVE EASEMENT FOR INGRESS, EGRESS AND UTILITIESOVER, UNDER AND

ACROSS A STRIP OF LAND 20 FEET IN WIDTH THE NORTH LINE OF WHICH IS DESCRIBED AS

FOLLOWS:

BEGINNING AT A POINT ON THE EASTERLY LINE OF COUNTY ROAD (EAST OLYMPIA ROAD)

972.04 FEET SOUTHEASTERLY OF ITS INTERSECTION WITH THE NORTH LINE OF SAID

SOUTHEAST QUARTER; THENCE EAST 891.27FEET TO ITS EAST TERMINUS;

SITUATE IN THE COUNTY OF THURSTON, STATE OF WASHINGTON

Tax ParcelNumber: 11706420401

SitusAddress:6848 RichRoad SE,Olympia,WA 98501

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