BC_16-04_Salvadore

Brunswick County BC16.04
Local Government Permit Number
CAMA
MINOR DEVELOPMENT
PERMIT
as authorized by the State of North Carolina, Department of Environmental
Quality and the Coastal Resources Commission for development
in an area of environment concern pursuant to Section 113A-118 of the
General Statutes, "Coastal Area Management'
Issued to John and Janice Salvadore authorizing development in the Estuarine Shoreline Area of Environmental
Concern (AEC) at 4455 Midshipman Court SE, in Southport NC 28461, as requested in the permittee's application
package, dated 01-Mar-16. This permit, issued on 14-Mar•16, is subject to compliance with the application and site
drawing dated received on 03-Mar-16, (where consistent with the permit), all applicable regulations and special
conditions and notes set forth below. Any violation of these terms may subject permittee to a fine, imprisonment or civil
action, or may cause the permit to be null and void.
This permit authorizes: Single Family Residence / Covered Porch
(1) All proposed development and associated construction must be done in accordance with the permitted work plat
drawings(s) dated received on 07-Mar-16.
(2) All construction must conform to the N.C. Building Code requirements and all other local, State and Federal regulations,
applicable local ordinances and FEMA Flood Regulations.
(3) Any change or changes in the plans for development, construction, or land use activities will require a re-evaluation and
modification of this permit.
(4) A copy of this permit shall be posted or available on site. Contact this office at [phone] for a final inspection at
completion of work. R E C E I V E D
DCM WILMINGTON, N(
(Additional Permit Conditions on Page 2) MAR 1 5 2016
This permit action may be appealed by the permittee or other qualified persons
within twenty (20) days of the issuing date. This permit must be on the project
site and accessible to the permit officer when the project is inspected for
compliance. Any maintenance work or project modification not covered under
this permit, require further written permit approval. All work must cease when this
permit expires on:
December 31, 2019
In issuing this permit it is agreed that this project is consistent with the local Land
Use Plan and all applicable ordinances. This permit may not be transferred to
another party without the written approval of the Division of Coastal
Management.
Connie Marlowe
CAMA LOCAL PERMIT OFFICIAL
PO Box 249
Bolivia, NC 28422
PERMITTEE
(Signature required if conditions above apply to permit)

Name: John & Janice Salvadore
Minor Permit # BC16.04
Date: 14-Mar-16
Page 2
(5) The amount of impervious surface shall not exceed 30% of the lot area within 75 feet of Normal High Water
(Estuarine Shoreline Area of Environmental Concern), in this case 332.2 square feet is authorized.
(6) Unless specifically allowed in 15A NCAC 07H-0209(d)(10), and shown on the permitted plan drawing, all
development/construction shall be located a distance of 30 feet landward of Normal High Water. No portion of the
roof overhang shall encroach into the 30 ft. buffer.
(7) All unconsolidated material resulting from associated grading and landscaping shall be retained on site by effective
sedimentation and erosion control measures. Prior to any land -disturbing activiti4es, a barrier line of filter cloth must
be installed between the land disturbing activity and the adjacent marsh or water areas, until such time as the area
has been properly stabilized with a vegetative cover.
(8) Any proposed for grading within the 30' buffer from the Normal High Water level must be contoured to prevent
additional stormwater runoff to the adjacent marsh. This area shall be immediately vegetatively stabilized, and must
remain in a vegetated state.
(9) All other disturbed areas shall be vegetatively stabilized (planted and mulched) within 14 days of construction
completion.
SIGNA
PERMITTEE
DATE:
RECEIVED
DCM WILMINGTON, NC
MAR 1 5 2016

rwLslA i CL �L�t JG.
Locality Permit Number
Ocean Hazard Estuarine Shoreline ORW Shoreline PublicTrustShoreline Other
(For official use only) T k 1 60-c -] 2 3 S T-7U U!o
GENERAL INFORMATION
LAND OWNER
Name -Ot-w 0. & �Aj%C> SIaLVApo21
Address l5 Jc)rr1 (%')A-rTHf-�W �RaA3>
City State T1 )A55 Zip O1`748 Phone [phone]`7
Email SSa1�L.dose @ GtitJCcASTAI CAM
AUTHORIZED AGENT
Name Ccc"S SK, LnliS'r�'uGrrJtJ
Address 348 S?P_{n1t+?�I 17L'�V�
City S0UyHP03sz7 State i�C' Zip AL16) Phone Cl to- 45`i-10217
Email C'URT6KtQoP"a- C'' EC.--'R(""(A�1
LOCATION OF PROJECT: (Address, street name and/or directions to site. If not oceanfront, what is the name of the
adjacent waterbody.) Lp+ 5 1A tVSUr pr nA;,J Cou pT - �} . Tary%es J.ttf Ro-Irk
DESCRIPTION OF PROJECT: (List all proposed construction and land disturbance.) �e� hDm t /1S i! uCF 1
wj C��z-� 1porcy.
SIZE OF LOT/PARCEL: "1Z 15.3 square feet 0.117 acres
PROPOSED USE: Residential ® (Single-family © Multi -family ❑ ) Commercial/Industrial Other
COMPLETE EITHER (1) OR (2) BELOW (Contact your Local Permit Officer ifyou are not sure which AEC applies
to your property):
(1) OCEAN HAZARD AECs: TOTAL FLOOR AREA OF PROPOSED STRUCTURE: square feet (includes
air conditioned living space, parking elevated above ground level, non -conditioned space elevated above ground level but
excluding non -load -bearing attic space)
(2) COASTAL SHORELINE AECs: SIZE OF BUILDING FOOTPRINT AND OTHER IMPERVIOUS OR BUILT
UPON SURFACES.2W- :;square feet (includes the area of the roof/drip line of all buildings, driveways, covered decks,
concrete or masonry patios, etc. that are within the a licable AEC. Attach your calculations with the project drawing.)
332° 2-
STATE STORMWATER MANAGEMENT PERMIT: Is the project located in an area subject to a State Stormwater
Management Permit issued by the NC Division of Water Quality?
YES X NO
If yes, list the total built upon area/impervious surface allowed for your lot or parcel:
2600 square feet.
RECEIVED
IE:CEIVED
CCvI WILMINGTON, NC
MAR 0 3 2016
MAR 0 ? 2016

OTHER PERMITS MAY BE REQUIRED: The activity you are planning may require permits other than the CAMA
minor development permit, including, but not limited to: Drinking Water Well, Septic Tank (or other sanitary waste
treatment system), Building, Electrical, Plumbing, Heating and Air Conditioning, Insulation and Energy Conservation, FIA
Certification, Sand Dune, Sediment Control, Subdivision Approval, Mobile Home Park Approval, Highway Connection, and
others. Check with your Local Permit Officer for more information.
STATEMENT OF OWNERSHIP:
I, the undersigned, an applicant for a CAMA minor development permit, being either the owner of property in an AEC or a
person authorized to act as an agent for purposes of applying for a CAMA minor development permit, certify that the person
listed as landowner on this application has a significant interest in the real property described therein. This interest can be
described as: (check one)
X an owner or record title, Title is vested
page 121(a in the ' <-unsW!Ck
:r,NN,'.'AM10E SAwRzog; ,see Deed Book 375�
County Registry of Deeds.
_an owner by virtue of inheritance. Applicant is an heir to the estate of
probate was in County.
_if other interest, such as written contract or lease, explain below or use a separate sheet & attach to this application.
NOTIFICATION OF ADJACENT PROPERTY OWNERS:
I furthermore certify that the following persons are owners of properties adjoining this property. I affirm that I have given
ACTUAL NOTICE to each of them concerning my intent to develop this property and to apply for a CAMA permit.
(Name) (Address)
(1) r_-Jt�d 4- MARy Kondrae-4� IiL-53 (24, 60U-f4pX V Ze4bl
(2) 15nW klote f 16AN S6P 640 4457 0-4- 50tt!hP2ol 7)C ?-5461
(3)
(4)
ACKNOWLEDGEMENTS:
I, the undersigned, acknowledge that the land owner is aware that the proposed development is planned for an area which
may be susceptible to erosion and/or flooding. I acknowledge that the Local Permit Officer has explained to me the particu-
lar hazard problems associated with this lot. This explanation was accompanied by recommendations concerning stabiliza-
tion and floodproofing techniques.
I finthermore certify that I am authorized to grant, and do in fact grant, permission to Division of Coastal Management staff,
the Local Permit Officer and their agents to enter on the aforementioned lands in connection with evaluating information
related to this permit application.
This the day of mt21=A .20 16
CJ 1t 4(4fX' 9 i.. v 4is 6kippc CAnLST72UtTtc�1
Landowner or person authorized to act as his/her agent for purpose of filing a CAMA permit application
This application includes: general information (this form), a site drawing as described on the back of this application, the
ownership statement, the Ocean Hazard AEC Notice where necessary, a check for $100.00 made payable to the locality, and
any information as may be provided orally by the applicant. The details of the application as described by these sources are
incorporated without reference in an ermit whi h y be issued. Deviation from these details will constitute a violation of
any permit. Any person developing ermit is subject to civil, crimirKtx0#pM1Distrative action.
RECEIVEC)
DCM WILMINGTOI' MAR 03 2016
MAR 0 7 2016

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AGENT AUTHORIZATION FOR CAMA PERMIT APPLICATION
Name of Property Owner Requesting Permit: r N 1A �'c� �pivA oat
MailinaAddress-
Phone Number:
Email Address:
I certify that 1 have authorized
5a`b'- 4-rcl 3i3`7
�SAWP�oR� (a'� GR�CoAszaL•c�u
Agent / Contractor
to act on my behalf, for the purpose of applying for and obtaining all LAMA permits
necessary for the following proposed development:
W
at my property located at
in Cc
ylec.J h orhe -
14 {ss MiOkshfPma,,) Co"-4
�T SA.hES P(cv.+C�+:or1
l furthermore certify that I am authorized to grant, and do 'in fact grant permission to
Division of Coastal Management staff, the Local Permit Officer and their agents to enter
on the aforementioned lands in connection with evaluating information related to this
permit application.
Property Owner Information:
Signature
oj tJ SR LVq�n E Jn� ci Sn��M1ocz'
Print or Type Name
Title
l-t i 2o(
Date
This certification is valid through '2- 1 '2q I ao l-r t l EG E i V E D
DCM VVILP INGU,TON, NC -/
MAR 0 3 2016

MAR 0 3 2016
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REFERENCES;
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Return Receipt Fee
(Endorsement Required) $0.00
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Restricted Mvery Fee
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Total p' a 'e & Feee $
03/02/2016
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March 1, 2016
Edward & Mary Kondracki
4453 Midshipman Court
Southport, NC 28461
Dear Adjacent Property Owner:
r-1 W IGo,)dracic�
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�F�F53 f1'lr'dsh
This letter is to inform you that we have applied for a CAMA Minor Permit on property
owned by John and Janice Salvadore at 4455 Midshipman Court, Southport, North
Carolina. As required by CAMA regulations, we have enclosed a copy of the permit
application and project drawings as notification of the proposed project. No action is
required from you or you may sign and return the enclosed no objection form If you
have any questions or comments about the proposed project, please contact our office at
910457-1027 or by mail at the address listed below. If you wish to file written comments
or objections with the Brunswick County CAMA Minor Permit Program, you may
submit them to:
Connie Marlowe
Brunswick County Planning Department
PO Box 249
Bolivia, NC 28422
910-253-2034
Sincerely,
C, y, ��
7 / 2�-C�'"� `
Lisa Skipper, President
Curtis Skipper Construction
3848 Springtide Drive
Southport, NC 28461
DCM WILMINGTON, NC
MAR 0 3 2016

U.S.
Postal
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March 1, 2016
Salvatore and Joan Esposito
4457 Midshipman Court
Southport, NC 28461
Dear Adjacent Property Owner:
r.1 Total Postago & Fpee
rl _
Pof �F�s7 rn,atcl,.�/ Cr.
cM: smm, avo .� l�-f� fK1rd iLr V! �b%
This letter is to inform you that we have applied for a CAMA Minor Permit on property
owned by John and Janice Salvadore at 4455 Midshipman Court, Southport, North
Carolina. As required by CAMA regulations, we have enclosed a copy of the permit
application and project drawings as notification of the proposed project. No action is
required from you or you may sign and return the enclosed no objection form. If you
have any questions or comments about the proposed project, please contact our office at
910-457-1027 or by mail at the address listed below. If you wish to file written comments
or objections with the Brunswick County CAMA Minor Permit Program, you may
submit them to:
Connie Marlowe
Brunswick County Planning Department
PO Box 249
Bolivia, NC 28422
910-253-2034
Sincerely,
Lisa Skipper, President
Curtis Skipper Construction
3848 Springtide Drive
Southport, NC 28461
RECEIVED
DCM WILMINGTON, NC
MAR 1) 3 -,mg

Excise Tax: $446.00
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GENERAL WARRANTY DEED
Brief Description: Lot 10, PUD-M, Parcel A, Brunswick Harbor Marina Village, St )awes/\�
Prepared by: Johnson & Moore, PA, 8505 E. Oak Island Drive, Suite 2, Oak Island, NC 28465 C
This instrument was prepared by a licensed North Carolina attorney. Delinquent taxes, if any, to be paid
by the closing attorney to the Brunswick County Tax Collector upon disbursement of dosing proceeds.
SPATE OF NORTH CAROLINA
COUNTY OF BRUNSWICK Parcel Identifier No.: 234FDOOG
THIS DEED made this 30% day of October, 2015, by and between JAMES E SHEARER, H
AND WIFE, KA7HY M. SHEARER (hereinafter referred to ""Grantor," whether singular or plural)
with a marling address of 3199 Sea Grass Court St Tames, NC 28461 And JOHN L. SALVADORE
AND wDE, JANI® SALVADORR (hereinafter referred to as "Grantee," whether singular or
plural) with a mailing address of 15 John Matthew Road Hookmtown, MD 01748 The
designation Grantor and Grantee as used herein shall include said parties, their heirs,
successors, and assigns, and shall include singular, plural, masculine, feminine or neuter as
required by context
WITNESSEM, that the Grantor, for a valuable consideration paid by the Grantee, the
receipt of which is hereby aclmowledged, has and by these presents does grant bargain, sell
and convey unto the Grantee in fee simple, all that certain lot or parcel of land situated in the
Town of St James, Lockwood Folly Township, Brunswick County, North Carolina and more
particularly described as follows:
BEING ALL OF Lot 10, PUD-M, Parcel A, Brunswick Harbor Marina Village,
St. James Plantation, as shown on a plat thereof recorded in Map Cabinet 21,
Page 132, office of the Register of Deeds of Brunswick County, North Carolina.
THE ABOVE DESCRIBED PROPERTY IS SEPARATED FROM THE WATER
IN THE MARINA BY A STRIP OF LAND AND DOES NOT HAVE
RIPARIAN RIGHTS IN OR TO THE MARINA BASIN OR CHANNEL
RECEIVED
DCM WILMINGTON, NC
MAR 0 5 2016

NIIINIIIIIII IIIliilllllllllllllllll 83103 P1211. z' �
This Property does not include the primary residence of a Grantor.
The property hereinabove described was acquired by Grantor by instrument recorded in
Book 1523, Page 406 of the Brunswick County Registry.
A map showing the above -described property is recorded in Map Cabinet 21, Page 132
of the Bnuwwick County Registry.
TO HAVE AND TO HOLD the aforesaid lot or parcel of land and all privileges and
appurtenances thereto belonging to the Grantee in fee simple.
And the Grantor covenants with the Grantee, that Grantor is seized of the premises in
fee simple, has the right to convey the same in fee simple, that title is marketable and free and
clear of all encumbrances, and that Grantor will warrant and defend the title against the lawful
claims of all persons whomsoever, other than the following exceptions:
Easements and Restrictions of record, including those found in Book 839, Page 453 and
in Book 1319, Page 438, as amended and supplemented, Brunswick County Registry.
2016 and subsequent year ad valorem taxes, not currently due and payable.
IN VVITNESS WHEREOF, the Grantor has duly executed the foregoing as of the day and
year first above written.
.• 1
I certify that the following person(s) personally appeared bcfore me this day, early acknowledging to
me that he or she signed the foregoing document JAMES E SHEARER, 11 AND WU7, KATHY M.
SHEARER
071
This zt2 day of &Mbpj, 2015.
(NOTARYSEAL)
apt A R Y
Pus, 1G
1"l L_C;1t IVED
DCM WILMINGTON, NC
MAR 0 3 2016

IIIIIIIIIIIIhIIIIIIII ICI I.t.l B31-dP1z1avr
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DEED OF TRUST
This document was prepared by: LOAN DEPARTMENT, CRESCOM BANK - CH, PO BOX 81137, CHARLESTON,
SC 29416-1137 - Mvinb "'t"t. MFIA
Please return after recording to: JOHNSON & MOORE, PA, 8505 E OAK ISLAND DR SUITE 2, OAK ISLAND, NC
28465
DATE AND PARTIES. The date of this Deed Of Trust (Security Instrument) is October 28, 2015. The parties and
their addresses are:
GRANTOR:
JOHN L SALVADORE
15 JOHN MATTHEW RD
HOPKINTON, MA 01748
JANICE SALVADORE
15 JOHN MATTHEW RD
HOPKINTON, MA 01748
TRUSTEE:
M. J. HUGGINS RI
PO BOX 3050
MYRTLE BEACH, SC 29578-3050
LENDER:
CRESCOM BANK
Organized and existing under the laws of South Carolina
288 MEETING STREET
CHARLESTON. SC 29401
1. DEFINITIONS. For the purposes of this document, the following term has the following meaning.
A. Loan. "The Loan" refers to this transaction generally, Including obligations and duties arising from the terms
of all documents prepared or Submitted for this transaction.
2. CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which is acknowledged,
and to secure the Secured Debts and Granter's performance under this Security Instrument. Grantor does hereby
irrevocably gram, convey and sell to Trustee, in trust for the benefit of Lender, with power of sale. the following
described property:
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The property is located in Brunswick County at 4455 MIDSHIPMAN COURT, SOUTHPORT, North Carolina 28461.
Together wah all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, all water and
riparian rights, wells, ditches and water stock and all existing and future Improvements, structures, Rxtures, and
replacements that may now, or at any time in the future, be part of the real estate described (all referred to as
Property). This Security Instrument will remain in effect until the Secured Debts and all underlying agreements
have been terminated in wining by Lender.
3. SECURED DEBTS. The term "Secured Debts" includes and this Security Instrument will secure each of the
following:
A. Specific Debts. The following debts and all extensions, renewals, refinancings, modifications and
replacements. A promissory note or other agreement, dated October 28, 2015. from Grantor to Lender, with a
loan amount of E767,250,00 and maturing on October 28. 2020.
B. Sums Advanced. All sums advanced and expenses incurred by Lender under the terms of this Security
Instrument.
4. LIMITATIONS ON CROSS-COLLATERALIZATION. The crosscoaateralization clause on any existing or future
loan is void and ineffective as to the Loan, including any extension or refinancing.
The Loan Is not secured by a previously executed security instrument if a nan-possessory, non -purchase money
security interest is created in "household goods" in connecuon with a "consumer loan," as those terms are
defined by federal law governing unfair and deceptive credit practices. The Loan is not secured by a previously
executed security instrument if Lender fails ro fulfill any necessary requirements or fails to conform to any
limitations of the Real Estate Settlement Procedures Act, (Regulation X), that are required for loans secured by the
Property or if, as a result, the other debt would become subject to Section 670 of the John Wainer National
Defense Authorization Act for Fiscal Year 2G07.
The Loan is not secured by a previously executed security Instrument if Lender fails to fulfill any necessary
requirements or falls to conform to any limitations of the Truth in Lending Act (Regulation Z). that are required fin
bans secured by the Properly.
S. PAYMENTS. Grantor agrees that all payments under the Secured Debts will be paid when due and in
accordance with the terms of the Secured Debts and this Security Instrument.
6. WARRANTY OF TITLE. Grantor warrants that Grantor is or will be lawfully seized of the estate conveyed by
this Security Instrument and has the right to irrevocably grant, convey and sell the Property to Trustee, in trust,
with power of sale. Grantor also warrants that the Property is unencumbered, except for encumbrances of record.
7. PRIOR SECURITY INTERESTS. With regard to any other mortgage. deed of trust, security agreement or other
lien document that created a prior security Interest or encumbrance on the Property. Grantor agrees.
A. To make all payments when due and to perform or comply with all covenants.
8. To promptly deliver to Lender any notices that Grantor receives from the holder.
C. Not to allow any modification or extension of, nor to request any future advances under any rote or
agreement Secured by the lien document without Lenders prior written consent
8. CLAIMS AGAINST TITLE. Grantor will pay all taxes, assessments. liens, encumbrances, lease payments,
ground rents, utilities, and other charges relating to the Property when due. Lender may require Grantor to provide
to Lender copies of all notices that such amounts are due and the receipts evidencing Grantor's payment. Grantor
will defend title to the Property against any claims that would Impair the lien of this Security Instrument. Grantor
agrees to assign to Lender. as requested by Lender, any rights, claims or defenses Grantor may have against
parties who supply labor or materials to maintain or improve the Property.
9. DUE ON SALE OR ENCUMBRANCE. Lender may, at its option, declare the entire balance of the Secured Debt
to be immediately due and payable upon the creation of, or contract far the creation of, any lien, encumbrance,
transfer or sale of all or any part of the Property. This right is subject to the restrictions imposed by federal law,
as applicable.
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10. WARRANTIES AND REPRESENTATIONS. Grantor has the right and authority to enter into this Security
Instrument. The execution and delivery of this Security Instrument will not violate any agreement governing
Grantor or to which Grantor is a party.
11. PROPERTY CONDITION, ALTERATIONS, INSPECTION, VALUATION AND APPRAISAL. Grantor will keep the
Property in good condition and make all repairs that are reasonably necessary. Gram" will not commit or allow
any waste. Impairment, or deterioration of the Property. Grantor will keep the Property free of noxious weeds and
grasses. Grantor agrees that the nature of the occupancy and use will not substantially change without Lender's
prior written consent. Grantor will not permit any change in any license, restrictive covenant or easement without
Lender's prior written consent. Grantor will notify Lender of all demands, proceedings. claims, and actions against
Grantor, and of any loss or damage to the Property.
Lender or Lender's agents may, at Lender's option, enter the Property at any reasonable time and frequency for
the purpose of Inspecting, valuating, m appraising the Property. Lender will give Grantor notice at the time of or
before an on -site inspection, valuation, or appraisal for ongoing due diligence m otherwise specifying a reasonable
purpose. Any inspection, valuation or appraisal of the Property will be entirely for Lender's benefit and Grantor
will In no way rely on Lender's inspection. valuation or appraisal for its own purpose, except as otherwise
provided by law.
12. AUTHORITY TO PERFORM. If Grantor fails to perform any duty or any of the covenants contained in this
Security Instrument, Lender may, without notice, perform or cause them to be performed. Grantor appoints Lender
as attomey in fact to sign Grantor's name or pay any amount necessary for performance. Lender's right to
perform for Grantor will not create an obligation to perform, and Lendefs failure to perform will not preclude
Lender from exercising any of Lender's other rights under the law or this Security Instrument. If any construction
on the Property is discontinued or not caroled on in a reasonable manner, Lender may take all steps necessary to
protect Lender's security Interest in the Properly, including completion of the construction.
13. ASSIGNMENT OF LEASES AND RENTS. Grantor xrevowbly assigns, grants, conveys to Lender as additional
security all the right, title and Interest in the following (Property): existing m future leases. subleases, licenses.
guaranties and any other written or verbal agreements for the use and occupancy of the Property, including any
extensions, renewals, modlfketions or replacements (Leases); and rents, issues and profits (Rents). In the event
any item listed as Leases or Rents is determined to be personal property, this Assignment will also be regarded as
a security agreement. Gramor will promptly provide Lender with copies of the Leases and will certify these
Leases are true and correct copies. The existing Leases will be provided on execution of the Assignment, and all
future Leases and any other Information with respect to these Leases will be provided immediately after they are
executed. Gramm may collect receive, enjoy and use the Rents so long as Gramm is not in default. Upon
default, Grantor will receive any Rents in cost for Lender and Grantor will not commingle the Rents with any other
funds. Grantor agrees that this Security Instrument Is Immediately effective between Grant" and Lender and
effective as to third parties on the recording of this Assignment. As long as this Assignment is In effect, Grantor
warrants and represents that no default exists under the Leases, and the parties subject to the Leases have not
violated any applicable law on leases, licenses and landlords and tenants.
14. DEFAULT. Gramm will be in default if any of the f(Atowing events (known separately and collectively as an
Event of Default) occur:
A. Payments. Gramm fails to make a payment in full when due.
B. Insolvency" Bankruptcy. The death, dissolution or Insolvency of, appointment of a receiver by or oO behalf
of, application of any debtor rellef law, the assignment for the benefit of creditors by or on behalf of, the
voluntary Or involuntary termination of existence by, or the commencement of any proceeding under any
present m future federal or state insolvency, bankruptcy, reorganization, composition " debtor reflef law by or
against Gramm, Borrower, or any co-signer, endorser, surety or guarantor of this Security Instrument or any
other obligations Renewer has with Lender.
C. Death or Incompetency. Groner dies or Is declared legally incompetent
D. Fallen to Perform. Gramm tails to perform any condition a to keep any promise or covenant of this
Security Instrument.
E. Other Documents. A default Occurs under the terns of any othm document rate" to the Secured Debts.
F. Other Agreements. Gramm is in default on any other de" or agreement Grantor has with Lender.
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G. Misrepresentation. Grantor makes any verbal or written statement or provides any financial information that
is untrue, inaccurate, or conceals a material fact at the time it Is made or provided.
H. Judgment. Grantor falls to satisfy or appeal anyjudgment against Grantor.
1. Forfeiture. The Property is used in a manner or for a purpose that threatens confiscation by a legal authority.
J. Name Change. Grantor changes Grantor's name or assumes an additional name without notifying Lender
before making such a change.
K. Property Transfer. Grantor transfers all or a substantial part of Grantor's money or property. This Condition
of default, as it relates to the transfer of the Property, is subject to the restrictions contained In the DUE ON
SALE section.
L. Property Value. Lender determines in good faith that the value of the Property has declined or Is Impaired.
M. Insecurity. Lender determines In good faith that a material adverse change has Occurred In Grantor's
financial condition from the conditions set forth In Grantor's most recent financial statement before the date of
this Security Instrument or that the prospect for payment w performance of the Secured Debts Is impaired for
any reason.
15. REMEDIES. On or after the occurrence of an Event of Default, Lender may use any and all remedies Lender
has under state m federal law or in any document relating to the Secured Debts, including, without limitation, the
power to sell the Property. Any amounts advanced on Grantor's behalf will be Immediately due and may be added
to the balance owing under the Secured Debts. Lender may make a claim for any and all Insurance benefits or
refunds that may be available on Grantor's default.
Subject to any right to cure, required time schedules m any other notice rights Grantor may have under federal
and state law. Lender may make all or any part of the amount owing by the terms of the Secured Debts
immediately due and foreclose this Security Instrument in a manner provided by law upon the occurrence of an
Event of Default or anytime thereafter.
If there is an occurrence of an Event of Default, Trustee will, in addition to any other permitted remedy. at the
request of Lender, advertise and sell the Property as a whole or in separate parcels at public auction to the highest
bidder for cash, after having first given such notice of hearing as to commencement of foreclosure proceedings
and obtained such findings or leave of court as may be then required by law, and convey a trustee's deed that
conveys all right, title and interest to the Property that was sold to the purchaser(s) at such time and place as
Trustee designates. Trustee will give notice of sale including the time, terms and place of sale and a description
of the property to be sold as required by the applicable law in effect at the time of the proposed sale.
Upon sale of the property and to the extent not prohibited by law. Trustee will pay all fees, charges and costs,
including Trustee's commission, will pay to Lender all moneys advanced for repairs, taxes, Insurance, liens,
assessments and prior encumbrances and interest thereon, and the principal and Interest on the Secured Debts,
and paying any surplus as required by law. Trustee's commission wig be 5 Percent of me gross proceeds of the
sale for a completed foreclosure. Lender or its designee may purchase the Property.
Upon any sale of the Property. Trustee will make and deliver a trustee's deed that conveys all right, tide and
interest to the Property that was sold to the purchaser(s). The recitals In any deed of conveyance will be prima
facie evidence of the facts set form therein.
All remedies are distinct, cumulative and not exclusive, and Lender is entitled to an remedies provided at law or
equity, whether oc not expressly set forth. The acceptance by Lender of any sum in payment or partial payment
on the Secured Debts after the balance Is due or is accelerated or after foreclosure proceedings are filed will not
constitute a wahm of Lender's right to require full and complete cure of any existing default. By not exercising
any remedy, Lender does not waive Lender's right to later consider the event a default if it Continues or happens
again.
16. COLLECTION EXPENSES AND ATTORNEYS' FEES. On a after the occurrence of an Event of Default to the
extent permitted by law, Grantor agrees to pay all expenses of collection, enforcement. valuation, appraisal or
protection of Lender's rights and remedies under this Security Instrumem t or any other document relating to me
Secured Debts. Grantof agrees to pay expenses for Lender to inspect, valuate, appraise and preserve the Property
and for any recordation costs of releasing the Property from this Security Instrument. Expenses include, but are
not limited to, reasonable attorneys' fees not exceeding 15 percent of the outstanding balance on the Secured
Debts. These expenses are due and payable immediately. If not paid Immediately, these expenses will bear
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interest from the date of payment until paid in full at the highest interest rate in effect as provided for in the terms
of the Secured Debts. In addition, to the extent permitted by the United States Bankruptcy Code, Grants agrees
to pay the reasonable attorneys' fees incurred by lender to protect Lender's rights and Interests in connection
with any bankruptcy proceedings initiated by or against Grantor.
17. ENVIRONMENTAL LAWS AND HAZARDOUS SUBSTANCES. As used in this section. (1) Environmental Law
means. without limitation, the Comprehensive Environmental Response. Compensation and Liability Act (CERCLA,
42 U.S.C. 9601 at segJ, all other federal, state and local laws, regulations, ordinances, court orders, attorney
general opinions or interpretive letters concerning the public health, safety, welfare, environment or a hazardous
substance; and (2) Hazardous Substance means any toxic, radioactive or hazardous material. waste. pollutant or
contaminant which has characteristics which render the substance dangerous or potentially dangerous to the
public health, safety, welfare w emironment. The tern includes, without limitation, any substances defined as
"hazardous material.' "toxic substance," "hazardous waste,' "hazardous substance," or "regulated substance"
under any Environmental Law.
Grantor represents, warrants and agrees that:
A. Except as previously disclosed and acknowledged in wrltlng to Lender, no Hazardous Substance is or will be
located, stored or released on or in the Property. This restriction does not apply to small quantities of
Hazardous Substances that are generally recognized to be appropriate for the normal use and maintenance of
We Property.
B. Except as previously disclosed and acknowledged in writing to Lender, Grantor and every tenant have been,
are, and will remain In full compliance with any applicable Environmental Law.
C. Grantor will immediately notify Lender if a release or threatened release of a Hazardous Substance orctas
on, under or about the Property or there Is a violation of any Environmental Law conceming the Property. In
such an event, Grantor will take all necessary remedial action in accordance with any Environmental Law.
D. Grantor will immediately notify Lender In writing as soon as Grantor has reason to believe there is any
pending or threatened investigation, claim, or proceeding relating to the release or threatened release of any
Hazardous Substance or the violation of any Environmental law.
18. CONDEMNATION. Grantor will give Lender prompt notice of any pending or threatened action by private or
public entitles to purchase or take any or all of the Property through condemnation, eminent domain, or any other
means. Grantor authorizes Lender to Intervene in Grantor's name In any of the above described actions or claims.
Gramor assigns to Lender the proceeds of any award or claim for damages connected with a condemnation or
other taking of all m any part of the Property. Such proceeds will be comidered payments and will be applied as
provided in this Security Instrument. This assignment of proceeds is Subject to the terms of any Prior mortgage,
deed of trust, security agreement or other lien document.
19. ESCROW FOR TAXES AND INSURANCE. Grantor, will not be required to pay to Lender funds for taxes and
insurance in escrow.
20. SUCCESSOR TRUSTEE. Lender, at Lender's option, may from time to time remove Trustee and appoint a
successor without any other formality than the designation In writing- The successor trustee, without conveyance
of the Property, will succeed to all the title, power and duties conferred upon Trustee by this Security Instrument
and applicable law.
21. APPLICABLE LAW. This Security Instrument IS governed by the laws of South Carolina, the United States or
America, and to the extent requited, by the laws of the Jurisdiction where the Property is located, except to the
extent such state laws are preempted by federal law.
22. JOINT AND INDIVIDUAL LIABILITY AND SUCCESSORS. Each Grantor's obligations under this Security
Instrument are independent of the obligations of any other Grantor. Lender may Sue each Grantor individually or
together with any other Grantor. Lender may release any par[ of the Property and Grantor will still be obligated
under this Security Instrument for the remaining Property. Grantor agrees that Lender and any party to this
Security Instrument may extend, modify a make any change In the terms of this Security Instrument a any
evidence of debt without Grantor's consent. Such a change wit not release Grantor from the terms of this
Security Insvument. The dales and benefits of this Security Instrument will bind and benefit the successors and
assigns of Lender and Grantor.
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MAR 0 3 2016

23. AMENDMENT, INTEGRATION AND SEVERABILITY. This Security Instrument may not be amended or
modified by oral agreement No amendment or modification of this Security Instrument is effective unless made in
writing and executed by Grantor and Lender. This Security Instrument and any other documents relating to the
Secured Debts are the complete and final expression of the agreement. If any provision of this Security Instrument
is unenforceable, then the unenforceable provision will be severed and the remaining provisions will still be
enforceable.
24. INTERPRETATION. Whenever used, the singular includes the plural and the plural Includes the singular. The
section headings are for convenlence only and are not to be used to Interpret or define the terms of this Security
Instrument.
25. NOTICE, ADDMONAL DOCUMENTS AND RECORDING FEES. Unless otherwise required by law, any notice
will be given by delivering n or maeing It by first class mall to the appropriate party's address listed In the DATE
AND PARTIES section, or to any other address designated In writing. Notice to one Grantor will be deemed to be
notice to all Grantors. Grantor will inform Lender in writing of any change in Grantor's name, address or other
application Information. Grantor will provide Lender any other, correct and complete information Lender requests
to effectively mortgage or convey the Property. Grantor agrees to pay all expenses, charges and taxes in
connection with the preparation and recording of this Security Instrument. Grantor agrees to sign, deliver, and file
any additional documents or certifications that Lender may consider necessary to perfect, continue, and preserve
Grardar's obligations under this Security Instrument and to confirm Lender's lien status on any Property, and
Grantor agrees to pay all expenses, charges and taxes in connection with the preparation and recording thereof.
Time is of the essence.
SIGNATURES. By signing under seal, Grantor agrees to the terms and Covenants contained in this Security
instrument. Grantor also acknowledges receipt of a copy of this Security Instrument.
GRANTOR:
Date / /1/yy (Seal)
(JOHN L SALVADORE
Date /��JY,- (Seal)
ICE SALVADORE
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MAR 0 3 2ui6

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ACKNOWLEDGMENT.
5}p*� OF "1LS C s CaL01 OF Mi d.11oSe x ss.
I 'Q ee..L [:. Qj re•.m do heeby certify that JOHN L SALVADORE , and JANICE
SALVADORE,to me or
Ware known proved to me on the basis of satisfactory evidence to be the pe son(s)
described, personally appeared before ms this day and acknowledged the due and voluntary execution of the
foregoing Instrument for the purpose stated therein.
Witness my hand and official seal, this the eR d day o
My commission expires: qA =Ly
(Notary Public)
BEMLY O. BROWN
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RECEIVED
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Exhibit "A"
ALL of Lot 10, PUD-M, Parcel A, Brunswick Harbour Marina Village, St James Plantation, as
shown on a plat thereof recorded in Map Cabinet 21, Page Lit, office of the Register of Deeds
of Brunswick County, North Carolina.
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DCM WILMINGTON, NC
MAR 0 3 2016