14-15 Hauck, Wayne

41 Permit Class
NEW
Permit Number
14-15
STATE OF NORTH CAROLINA
Department of Environment and Natural Resources
and
X Major Development in an Area of Environmental Concern
pursuant to NCGS 113A-118
_ Excavation and/or filling pursuant to NCGS 113-229
Issued to Wayne Hauck 102 Bridge Pointe Drive New Bern, NC 28562
Drive, New Bern , as requested in the permittee's application dated 1115114 (MP_1 and
9/9/14 (MP-4) includine the attached workplan drawing (4) all dated received in MHC on 11/14/14
This permit, issued on January 29, 2015 , is subject to compliance with the application (where consistent
with the permit), all applicable regulations, special conditions and notes set forth below. Any violation of these terms may
be subject to fines, imprisonment or civil action; or may cause the permit to be null and void.
Docking Facility
1) Unless specifically altered herein, this permit authorizes the docking facility and uses located in or
over the water that are expressly and specifically set forth in the permit application. No other
structure, whether floating or stationary, shall become a permanent part of this reconfigured docking
facility without permit modification. No non -water dependent uses of structures shall be conducted
on, in or over public trust waters without permit modification.
2) The associated structures shall have a minimum setback distance of 15 feet between any parts of the
structure and the adjacent property owner's riparian access corridors.
(See attached sheets for Additional Conditions)
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 accessible on -site to Department
personnel when the project is inspected for compliance.
Any maintenance work or project modification not covered
hereunder requires further Division approval.
All work must cease when the permit expires on
December 31, 2018
In issuing this permit, the State of North Carolina agrees
that your project is consistent with the North Carolina.Coastal
Management Program.
Signed by the authority of the Secretary of DENR and the
Chairman of the Coastal Resources Commission.
"'RL.A. it
,t Braxton C. Davis, Director
Division of Coastal Management
This permit and its conditions are hereby accepted.
Signature of Permittee

Wayne Hauck
Permit # 14-15
Page 2 of 3
ADDITIONAL CONDITIONS
3) No attempt will be made by the permittee to prevent the full and free use by the public of all navigable
waters at or adjacent to the authorized work.
4) The permittee shall maintain the authorized work in good condition and in conformance with the terms
and conditions of this permit. The permittee is not relieved of this requirement if he abandons the
permitted activity without having it transferred to a third party.
5) This permit does not authorize the interference with any existing or proposed Federal project, and the
permittee shall not be entitled to compensation for damage to the authorized structure or work, or injury
which may be caused from existing or future operations undertaken by the United States in the public
6) The permittee shall install and maintain at his expense any signal lights or signals prescribed by the U.S.
Coast Guard, through regulation or otherwise, on the authorized facilities. At a minimum, permanent
reflectors shall be attached to the structure in order to make it more visible during hours of darkness or
inclement weather.
7) This permit authorizes one formalized boat slip.
General
8) This permit does not authorize the interference with any existing or proposed Federal project, and the
permittee shall not be entitled to compensation for damage to the authorized structure or work, or injury
which may be caused from existing or future operations undertaken by the United States in the public
interest.
9) The permittee understands and agrees that, if future operations by the United States requires the
removal, relocation, or other alteration of the structure or work authorized by this permit, or if in the
opinion of the Secretary of the Army or his authorized representative, said structure or work shall cause
unreasonable obstruction to free navigation of the navigable waters, the permittee will be required, upon
due notice from the Corps of Engineers, to remove, relocate or alter the structural work or obstructions
caused thereby, without expense to the United States or the state of North Carolina. No claim shall be
made against the United States or the state of North Carolina on account of any such removal or
alteration.
10) This permit shall not be assigned, transferred, sold, or otherwise disposed of to a third party without the
written approval of the Division of Coastal Management.
11) The permittee and/or his contractor shall meet with a representative of the Division prior to project
initiation in order to discuss the conditions set forth in this permit.

Wayne Hauck Permit # 14-15
Page 3 of 3
ADDITIONAL CONDITIONS
NOTE: This permit does not eliminate the need to obtain any additional state, federal or local permits,
approvals or authorizations that may be required.
NOTE: Future development of the permittee's property may require a modification of this permit.
Contact a representative of the Division at [phone] prior to the commencement of any
such activity for this determination. The permittee is further advised that many development or
land disturbing activities are not allowed within the Environmental Management Commission's
Neuse River Basin. Contact a representative of the Division of Water Resources at (252) 946-
6481 for more information concerning allowable uses within the Neuse River Buffer.
SAW-201402244.

Dom ■F4
APPLICATION for
Major Development Permit
(tart revised 12127/06)
North Carolina DIVISION OF COASTAL MANAGEMENT
1. Primary Applicant/ Landowner Information
Business Name
Project Name (if applicable)
Applicant 1: First Namewau�of
MI
0
last Name
Applicant 2: Fi t Name
MI
Last Name
If additional applicants, please attach an additional pages) with names listed.
Mailing Add rg�S�\ � t ton
2 uv
PO Box
cityN
aibprn
State
NIL
ZIP
1 2
Country
Phone No.
ext.
FAX No.
Street Address (if dferent from above)
City
State
ZIP
Email
2. Agent/ContractorInformation
Business Name
Agent/ Contractor 1: First Name
MI
La Nam1e
L ffl
Agent/ Contractor 2: First Name
MI
Last Name
Mailing Address
PO Box
City
State
ZIP
Phone No. 1
-
,t� Phone No. 2
- ✓" 9 - - ext.
TT
FAX No.
Street Address (H different from above)
Contractor #
City State ZIP
Email
RECEIVED
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Nov 14 2M4
252.808-2808 :: 1-86.. .cCOAST :: www.nccoastalmanagement.net

Form DCM MP-1 (Page 2 of 4)
APPLICATION for
Major Development Permit
3. Project Location
County (can be multiple)
Street Address
State Rd. #
` '
V�
Subdivision Name
C
State
Zip
Z 2.
Phone No. dLot
No.(s) (d many, attach additional page with list)
ext.
I I I,
a. In which NC river basin is the project located?
b. Name of body of water nearest to proposed project
c. Is the water body identified in (b) above, natural or manmade?
d. Name the closest major water body to the proposed project site.
Olatural ❑Manmade ❑Unknown
1 ' ` 1
nr
e. Is proposed work within city limits or planning jurisdiction?
f. If applicable, list the planning jurisdiction or city limit the proposed
❑Yes *0
work falls within.
4. Site Description
a. Total length of shoreline on the tract (ft.)
b. Size of entire tract (sq.ft.)
i
c. Size of individual lot(s) 'I(� j 1
d. Approximate elevation of tract above NHW (normal high water) or
Y " `
NWL (normal water level)
(If many lot sizes, please attach additional page with a list)
❑NHW orV WL
e. Vegetation on tract
f. Man-made features and uses now on tract
RECEIVED
• i
Nnv 1 A 7014
g. Identify anWdescribe the existing land bses adjacent to the propoefid
project site. DCM- D CITY
h. How does kcal government zone the rect?
Is the proposed project consistent with the applicable zoning?
(Attach zoning compliance certificate, if applicable)
❑Yes ❑No ^XAA
j. Is the proposed activity part of an urban waterfront redevelopment proposal? ❑Yes o
k. Has a professional archaeological assessment been done for the tract? If yes, attach a copy. ❑Yes Ohio A
If yes, by whom?
I. Is the proposed project located in a National Registered Historic District or does it involve a []Yes o ❑NA
National Register listed or eligible property?
<Form continues on next page>
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Form DCM MP-1 (Page 3 of 4)
APPLICATION for
Major Development Permit
m. (i) Are there wetlands on the site?
Dyes 090
(it) Are there coastal wetlands on the site?
❑Yes "00
(Ili) If yes to either (i) or (it) above, has a delineation been conducted?
A
❑Yes ❑No —NIA
(Attach documentation, if available)
n. Describe existing wastewater treatment facilities.
o. Describe existing drinking water supply source.
p. Describe existing stone vAter management or treatment systems.
mnf
& Activities and Impacts
a.
Will the project be for commercial, public, or private use?
❑Commercial ❑PublidGovemment
Wrivate/Communily
b.
Give a brief description of purpose, use, and daily operations of the project when complete.
c.
Describe the proposed construction methodology, 4pesb construction equipmen to Fe
of equipment and where it is to be stored.
used during construction, the number of each type
_ e a qp
-Pive (7�-,Iver
d.
List all development activities Vou propose.
e.
Are M proposed activities maintenance of an existing project, new work, or both?
I.
What is the approximate total disturbed land area resulting from the proposed proje 7
nA
❑Sq.Ft or ❑Acres
g.
Will the proposed project encroach on any public easement, public accessway or other
that the public has established use of?
area DYesrTQNo DNA
h.
Describe location and type of existing and proposed discharges to waters of the stale.
I.
Will wastewater or stormwater be discharged into a wetland?
If yes, will this discharged water be of the same salinity as the receiving water?
❑Yes o ❑NA
❑Yes ❑No W
j.
Is there any mitigation proposed?
If yes, attach a mitigation proposal.
❑Yes ❑No WA
<Form continues on back>
RECEIVED
Nnv 14 M4
DCM-MHD Crry
252-808-2808 :: 11-888-4RCOAST :: www.nccoastaimanagement.net

Form DCM MP-1 (Page 4 of 4)
APPLICATION for
Major Development Permit
6. Additional Information
In addition to this completed application form, (MP-1) the following items below, if applicable, must be submitted in order for the application
package to be complete. Items (a) - (t) are always applicable to any major development application. Please consult the application
instruction booklet on how to properly, prepare the required items below.
a. A project narrative.
b. An accurate, dated work plat (including plan view and cross -sectional drawings) drawn to scale. Please give the present status of the
proposed project. Is any portion already complete? If previously authorized work, dearly indicate on maps, plats, drawings to distinguish
between work completed and proposed.
c. A site or location map that is sufficiently detailed to guide agency personnel unfamiliar with the area to the site.
d. A copy of the deed (with state application only) or other instrument under which the applicant claims title to the affected properties.
e. The appropriate application fee. Check or money order made payable to DENR.
I. A list of the names and complete addresses of the adjacent waterfront (riparian) landowners and signed return receipts as proof that such
owners have received a copy of the application and plats by certified mail. Such landowners must be advised that they have 30 days in
which to submit comments on the proposed project to the Division of Coastal Management.
Name \ Phone No.
Address
Name - r�t--� �pP�, ,Q.�� '1P,ho^ne No. /� Address i CJr(t utl.. '%1I116LhOe-lo WWI) 01 lr /'Vl ZT55ey.L
Name / '�ngNo.
Address
g. A list of previous state or federal permits issued for work on the project tract. Include permit numbers, permittee, and issuing dates.
h. Signed consultant or agent authorization form, if applicable.
I. Wetland delineation, if necessary.
j. A signed AEC hazard notice for projects in oceanfront and inlet areas. (Must be signed by pmperty owner)
k. A statement of compliance with the N.C. Environmental Policy Act (N.C.G.S. 113A 1-10), if necessary. If the project involves expenditure
of public funds or use of public lands, attach a statement documenting compliance with the North Carolina Environmental Policy Act.
I understand that any permit issued in response to this application will allow only th
The project will be subject to the conditions and restrictions contained in the permit.
I certify that I am authorized to grant, and do in fact grant permission to representatives of state and federal review agencies to
enter on the aforementioned lands in connection with evaluating information related to this permit application and follow-up
monitoring of the project.
I further certify that the information provided in this application is truthful to the best of my knowledge.
Date Print Name
Signature
Please indicate application attachments pertaining to your proposed project.
❑DCM MP-2 Excavation and Fill Information ❑DCM MP-5 Bridges and Culverts
❑D$Fil MP-3 Upland Development
CM MP-4 Structures Information
RECEIVED
Nnv i A 20N
DCM-MHD CITY
252-808-2808 :: 1-888-411COAST :: www.nccoastaimanagement.net

(Construction within Public Trust Areas)
Attach this form to Joint Application for CAMA Major Permit, Form DCM MP-1. Be sure to complete all other sections of the Joint
Application that relate to this proposed project. Please include all supplemental information.
a. (i) lathe docking facility/marina: b. (i) Will the facility be open to the general public?
...._QQommercial,_[[Public/Government_ ,(Private/Community, _ QYes ,®No
c. (i) Dock(s) and/or pier(s)
d. (!)Are Finger Piers included? ❑Yes g1No
(ii) Number I
If yes:
., ��
(III) Length _�
CH) Number
(iv) Width 5-
(iii) Length _
(v) Floating ❑Yes (ONO
(iv) Width
(v) Floating ❑Yes ❑No
e. (1) Are Platforms included? XYes ❑No
f. (1) Are Boatlifts included? ❑Yes ONO
If yes:
If yes:
(ii) Number
7�
(ii) Number r
(III) Length
(III) Length
(iv) Width I'&
//3';
Crv) Width
(v) Floating ❑Yes MNO
Note: Roofed areas are calculated from dripllne dimensions.
g. (i) Number of slips proposed
h. Check all the types of services to be provided.
.
❑ Full service, Including travel lift and/or rail, repair or
(ii) Number of slips existing
maintenance service
Q
❑ Dockage, fuel, and marine supplies
Dockage ("wet slips') only, number of slips:'
Dry storage; number of boats: _
❑ Boat ramp(s); number of boat ramps:
❑ Other, please describe:
I. Check the proposed type of siting:
❑ Land cut and access channel
❑Open water; dredging for basin and/or channel
®Open water; no dredging required
❑Other; please describe:
k. Typical boat length: 2- 1
i
m. () Will the facility have tie pilings?
❑Yes ENO
(il) If yes number of tie pilings?
j. Describe the typical boats to be served (e.g., open runabout,
charter boats, sail boats, mixed types).
RECEIVED
Nny 14 ?"
D.CM-MHD CITY.
I. (1) Will the facility be open to the general public?
❑Yes WNo
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SEP 10 2014
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a. Check each of the following sanitary facilities that will be included in the proposed project.
❑ Office Toilets
❑ Toilets for patrons; Number: _; Location:
❑ Showers
❑ Boatholding tank pumpout Give type and location:
b. Describe treatment type and disposal location for all sanitary wastewater.
c. Describe the disposal of solid waste, fish offal and trash.
d. How will overboard discharge of sewage from boats be controlled?
e. , (i) Give the location and number of "No Sewage Discharge" signs proposed.
(ii) Give the location and number of "Pumpout-Available" signs proposed.
f. Describe the special design, if applicable, for containing industrial type pollutants, such as paint, sandblasting waste and petroleum products.
g. Where will residue from vessel maintenance be disposed of?
h• Give the number of channel markers and "No Wake" signs proposed.
I. Give the location of fuel -handling facilities, and describe the safety measures planned to protect area water quality.
j. What will be the marina policy on overnight and live -aboard dockage?
k. Describe design measures that promote boat basin flushing?
I. If this project is an expansion of an existing marina, what types of services are currently provided?
242-£F;s',-^a;3�a$:e'd-3 S-+, C{11i�9:;t3rv�.r:;;»�r3asiuSmin:tanaa:sesa:.�acc ? rv,ise:3:'t2r2iiU
nCW,1&11DCR

m. is the marina/docking facility proposed within a primary or secondary nursery area?
❑Yes NNo
n. Wthe marina/docking facility proposed within or adjacent to any shellfish harvesting area?
❑Yes ANo
- ..0....ls the marina/docking facility -proposed within or adjacent to coastal wetlands/marsh (CW), submerged aquatic vegetation. (SAV), shell bottom
(SB), or other wetlands (WL)? If any boxes are checked, provide the number of square feet affected.
❑CW _ ❑SAV ❑se COPY
OWL _ MNone
P. Is the proposed marina/docking facility located within or within close proximity to any shellfish leases? ❑Yes JNNo
If yes, give the name and address of the leaseholder(s), and give the proximity to the lease.
a. (i) Is the boathouse structure(s):
[]Commercial PPublic/Government ZPrivate/Community
(ii) Number
(ii) Length
(iv) Width
Note: Roofed Areasre calculated from dr/pline dimensions.
a. (i) Number _
(ii) Length
(III) Width
a. Length
c. Maximum distance beyond NHW, NWL or wetlands
a. Is the structure(s):
[]Commercial ❑Public/Government ❑Private/Comm unity
c. Distance to be placed beyond shoreline
Note: This should be measured from marsh edge, if present
b. Average distance from NHW, NWL, or wetlands
b. Number
d. Description of buoy (color, inscription, size, anchor, etc.)
e. Am of the swing -- itECEtYOIs
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a. Proximity of structure(s) to adjacent riparian property lines b. Proximity of structure(s) to adjacent docking facilities:.,
ZO` 50' 120' SU�
Note: For buoy ormooring piling, use arc of swing Including length-- `- - - - - - - -
of vessel.
c. W�/iii�dtt�hOof water body d. Water depth at waterward end of structure at NLW or NWL
raw, rI
e. (1) Will navigational aids be required as a result of the project?
❑Yes XNo ❑NA
(ii) If yes, explain what type and how they will be implemented.
a. Give complete descriptions:
:, i7HCHIVE�
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DCM Coordinator: Permit #:
Permitee: "Z/ k I
Agents:
DCM Field Offices
Elizabeth City
Morehead City ✓
Washington
Wilmington
(with revised work plan drawings)
US ACOE Offices: /
Washington: Raleigh Bland
Tracey Wheeler
William Westcott (NC DOT)
Bill Biddlecome (NC DOT)
Wilmington: Tyler Crumbly /
Cultural Resources: Renee Gledhill -Early
Public Water Supply: Diane Williams (WIRO)
Joey White (WARD)
Marine Fisheries: Shane Staples
Jessi Baker
NC DOT: Ken Pace /
Shellfish Sanitation: Patti Fowler
State Property: Tim Walton /
Water Quality: Karen Higgins (Raleigh)
John Hennessy (NC DOT)
Washington: Anthony Scarbraugh-401
Scott Vinson-Stormwater
Wilmington: Joanne Steenhuis — 401
Chad Coburn - 401
Linda Lewis - Stormwater
Wildlife Resources: Maria Dunn (WARD)
Vacant (WIRO)
LPO:
Fax Distribution: Permitee #:
Agent #:

NCDENR
North Carolina Department of Environment and Natural Resources
Pat McCrory
Governor
January 29, 2015
Wayne Hauck
102 Bridge Pointe Drive
New Bern, N.C. 28562
Donald R. van der Vaart
Secretary
The enclosed permit constitutes authorization under the Coastal Area Management Act, and where
applicable, the State Dredge and Fill Law, for you to proceed with your project proposal. The original (buff -
colored form) is retained by you and it must be available on site when the project is inspected for
compliance. Please sign both the original and the copy and return the copy to this office in the enclosed
envelope. Signing the permit and proceeding means you have waived your right of appeal described below.
If you object to the permit or any of the conditions, you may request a hearing pursuant to NCGS
113A-121.1 or 113-229. Your petition for a hearing must be filed in accordance with NCGS Chapter 150B
with the Office of Administrative Hearings, 6714 Mail Service Center, Raleigh, NC 27611-6714, (919) 733-
2698 within twenty (20) days of this decision on your permit. You should also be aware that another
qualified party may submit an objection to the issuance of this permit within twenty (20) days.
The project plan is subject to those conditions appearing on the permit form. Otherwise, all work
must be carried out in accordance with your application. Modifications, time extensions, and future
maintenance requires additional approval. Please read your permit carefully prior to starting work and review
all project plans, as approved. If you are having the work done by a contractor, it would be to your benefit to
be sure that he fully understands all permit requirements.
From time to time, Department personnel will visit the project site. To facilitate this review, we
request that you complete and mail the enclosed Notice Card just prior to work initiation. However, if
questions arise concerning permit conditions, environmental safeguards, or problem areas, you may contact
Department personnel at any time for assistance. By working in accordance with the permit, you will be
helping to protect our vitally important coastal resources.
Enclosure
Sincerely,
Douglas V. Huggett
Major Permits and Consistency Manager
400 Commerce Avenue, Morehead City, North Carolina 28557
Phone: [phone] FAX [phone] Internet: www.nccoastalmanagement.net
An Equal Opportunity/ Affirmative Action Employer

DIVISION OF COASTAL MANAGEMENT
FIELD INVESTIGATION REPORT
1. APPLICANT'S NAME: Wayne Hauck
2. LOCATION OF PROJECT SITE: The project is located adjacent to the Trent River, at
102 Bridge Pointe Drive, in New Bern, Craven County.
Photo Index — 2006: 71-6302, grids G-5; 2000: 71-829, grids G-5.
State Plane Coordinates - X: 787646.640 Y: 150337.090
Longitude: -077 02 39.61 Latitude: 35 05 38.17
3. INVESTIGATION TYPE: CAMA
4. INVESTIGATIVE PROCEDURE: Date of Site Visit — 10/1/13
Was Applicant or Agent Present — Yes
Photos Taken — No
5. PROCESSING PROCEDURE: Application Received — cc: 11/14/14
Office — MHC
6. SITE DESCRIPTION:
(A) Local Land Use Plan — Craven County (10/29/2009)
Land Classification from LUP — Developed
(B) AEC(s) Involved: PTA, EW
(C) Water Dependent: Yes
(D) Intended Use: Private
(E) Wastewater Treatment: Existing — Septic
Planned -None
(F) Type of Development: Existing — Residence, 10-slip community docking facility,
and bulkhead
Planned -An additional 1-slip docking facility
(G) Estimated Annual Rate of Erosion: N/A
Source — N/A
7. HABITAT DESCRIPTION:
DREDGED Fii,i.F.D WCORP/CHADF.n
(A) Open Water 779 ftz incorp
610fe shaded
(E) Total Area Disturbed: 779 ftl
(F) Primary Nursery Area: No
(G) Water Classification: SB, Sw; NSW Open: No
(H) Cultural Resources: None
8. Proiect Summary: The applicant proposes to construct a docking facility, for private use on the
Trent River, Craven County.

Field Investigation Report:
Wayne Hauck
Page 2
9. Narrative Description:
The project is located adjacent to the Trent River, at 102 Bridge Pointe Drive, off of NC Hwy 70, in
James City, Craven County. This property is developed with a single family residence, (half of) a 10-
slip community docking facility, and shoreline stabilization. There is approximately 105' of estuarine
shoreline on the 1.1 acre lot. However, the docking facility connects to the high ground, straddling the
adjacent property line on a HOA easement. The adjacent properties in this subdivision are residential
also. The closest adjacent pier, the community docking facility, is 40' to the north of the proposed
dock platform.
The immediate offshore water depths in this area are —1.0' to 5.0' normal water level (nwl). The
subaqueous substrate is firm and without shell. There is not a cultural resource in the nearby vicinity
of the project area. This waterbody is 2,000' across. These waters of the Trent River are not
classified as a Primary Nursery Area. At the time of the site visit, there was no submerged aquatic
vegetation (SAV) observed in the vicinity of the project area. However, historic data indicates
possible SAV beds within the vicinity of the proposed development area. This area is closed to
shellfish harvest and is classified as SB, Sw; NSW. The defined channel in this area is approximately
100' west of this project site. The Trent River is a part of the Neuse River basin.
10. Proposed Development:
The applicant proposes to construct a 1-slip private docking facility within the Trent River, adjacent
to 102 Bridge Pointe Drive, in New Bern, Craven County. It will be for private use by the applicant.
Since the community docking facility straddles the northern property line, half of the 10-slip docking
facility is within the applicant's riparian corridor.
The proposed docking facility would be supported by a 5' by 90' long pier access. This pier would
terminate at an' ' platform, measuring 10' by 16'. The 13' by 13' boatlift would be constructed on
the south side of the ' ' platform and pier. They would be in -4.5' nwl.
The existing community docking facility has five boat slips within this riparian corridor. The existing
community docking facility has approximately 640 square feet of shading impact within this riparian
corridor. There will be approximately 40' of separation from the existing community docking facility
and the proposed private docking facility. The proposed boatlift would be 20' from the adjacent
riparian property line to the south.
10. Anticipated Impacts:
All of the proposed development would take place landward and south of the existing ten -slip
community docking facility. This proposed docking facility, plus that portion of the existing
community dock, will have a cumulative result of approximately 800 square feet of shading impact
in Public Trust Estuarine Waters. The proposal will increase the number of slips within this
riparian corridor from five to a total of six.
Brad Connell December 2, 2014 Morehead City

Field Investigation Report:
Wayne Hauck
Pase 3
There is not a cultural resource in the immediate vicinity of the project area. Water depths where the
new docking facility is proposed will approximately be in the -4' to -5' nwl depth contours. These
waters of the Trent River are not classified as a Primary Nursery Area. There was no submerged
aquatic vegetation observed in the vicinity of this proposal at the time of inspection. However,
historic spatial data indicates SAV habitat in the vicinity of the proposed pier access. This area is
closed to shellfish harvest and is classified as SB, Sw; Nutrient Sensitive Waters. There is a defined
channel approximately 100' west of this project site. This proposal will not encroach into the
channel, nor pose a hazard to navigation.
Brad Connell December 2, 2014 Morehead City

DIVISION OF COASTAL MANAGEMENT
APPLICATION TRANSMITTAL AND PROCESSING RECORD
APPLICANT: Wayne Hauck County: Craven
LOCATION OF PROJECT: At 102 Bridge Pointe Dr., adjacent the Trent River, in the City of New Bern.
DATE APPLICATION RECEIVED COMPLETE BY FIELD: 11/14/14
FIELD RECOMMENDATION: Attached: Yes To Be Forwarded: No
CONSISTENCY DETERMINATION: Attached: No To Be Forwarded: Yes
FIELD REPRESENTATIVE: Brad Connell DISTRICT OFFICE: Morehead Citv
DISTRICT MANAGER REVIEW:
B) DATE RECEIVED BY MAJOR PERMITS UNIT:
PUBLIC NOTICE REC'D: Yes
ADJ. RIP. PROP NOTICES REC'D: Yes
APPLICATION ASSIGNED TO: D Govoni_
C) 75 DAY DEADLINE; �IIfS
MAIL OUT DATE: 12/2/14
10x.] 1,1111ls11J 207:vreA
PERMIT FINAL ACTION: ISSUE DENY
FEE REC'D: $250.00
END OF NOTICE DATE: 111115
DEED REC'D; Yes
ON: 12/2/ 14
150 - DAY DEADLINE:
STATE DUE DATE:
FED COMMENTS REC'D:
DRAFT ON
AGENCY
DATE COMMENTS
RETURNED
OBJECTIONS:
YES NO
NOIES
Coastal Management- Regional Representative
Coastal Management - LUP Consistency Demnnination
Division of Community Assistance
47
Land Quality Section
/
Division of Water Quality
1
Storm Water Management (DWQ)
Slate Property Office
VVV
Division of Archives & History
Division of Environmental Health
l
V
Division of Highways
Wildlife Resources Commission
�
Local Permit Office
Division of Marine Fisheries
Corps of Engineers
L
2 iw l .
�crN bz2.4

NCDENR
North Carolina Department of Environment and
Division of Coastal Management
Pat McCrory Braxton C. Davis
Governor Director
MEMORANDUM
DATE: December 1, 2014
TO: Daniel Govoni
f1S�
THRU: Roy Brownlow '
FROM: Brad Connell �G
Natural Resources
John E. Skvarla, III
Secretary
SUBJECT: Comments and Recommendations - CAMA Major Permit —Mr. Wayne Hauck, Craven County
The following is my assessment and consequent recommendations of the above referenced proposal: This
proposal incorporates approximately 779 square feet of Public Trust Waters. It will result in an additional
docking space to the existing 5 slips that are currently within this riparian corridor, for a total of six docking
spaces.
These waters of the Trent River are closed to shellfish harvest. There was no visible submerged aquatic
vegetation in the nearby vicinity of the project area during the site visit, however historic spatial data indicates
SAV habitat in the vicinity of the proposed pier. This waterbody is not a Primary Nursery Area. This proposal
will not be a hazard to navigation since it is more than 100' from the defined channel and 40' from the
community docking facility. Assuming that state and federal agencies concur with the proposal, I recommend
the project be authorized as proposed, contingent upon the following conditions:
This permit authorizes only the docks, piers, and other structures and uses located in or over the water
that are expressly and specifically set forth in the permit application. No other structure, whether
floating or stationary, may become a permanent part of this docking facility without permit
modification. No non -water dependent uses of structures may be conducted on, in or over public trust
waters without permit modification.
2 The pier and associated structures shall have a minimum setback distance of 15 feet between
any parts of the structure and the adjacent property owner's riparian access corridor, which is
determined by drawing a line parallel to the charnel, then drawing a line perpendicular to the channel
line that intersects with the shore at the point where the upland property line meets the water's edge.

Wayne Hauck
December 1, 2014
Page 2 of 2
3 No attempt will be made by the permittee to prevent the full and free use by the public of all navigable
waters at or adjacent to the authorized work.
4 The permittee will maintain the authorized work in good condition and in conformance with the terms
and conditions of this permit. The permittee is not relieved of this requirement if he abandons the
permitted activity without having it transferred to a third party.
5 This permit authorizes a maximum of one boat slip. At no time shall more than one vessel be moored or
docked at the facility. The restriction of the number of vessels shall apply to all marine vessel types,
including but not limited to motorboats, sailing vessels and personal watercraft.
6 Prior to construction of any new boat slips or other docking facilities under this permit, the permittee
must apply for and receive an Easement from the Department of Administration's State Property Office
as required under N.C.G.S. 146-12(e).
CC: Roy Brownlow, DCM
Daniel Govoni, DCM
400 Commerce Ave., Morehead City, INC 28557
Phone: [phone] \ FAX: [phone] Internet: www.nccoastaimanagement.net
An Equal Opportunity\ All native Action Employer

Govoni, Daniel
From: Bland, Raleigh W SAW <[e-mail]>
Sent: Wednesday, January 28, 2015 7:23 AM
To: Govoni, Daniel
Subject: RE: NCWRC, Potter, Hauck (UNCLASSIFIED)
Classification: UNCLASSIFIED
Caveats: NONE
Potter SAW 201402242 Tier II PGP 198000291 Your Date
Hauck SAW 201402244 Tier II PGP 198000291 Your Date
Thanks!
-----Original Message -----
From: Govoni, Daniel[mailto:[e-mail]
Sent: Tuesday, January 27, 2015 10:50 AM
To: Pelletier, Josh R SAW; Bland, Raleigh W SAW
Subject: [EXTERNAL) NCWRC, Potter, Hauck
Hey guys can I get comment on these ASAP. I have already gone past our 75 day deadline for NCWRC. Potter and Hauck
75 day deadline is the 28th.
NCWRC, 75 day deadline is 1/24/15. Applicant proposes to construct public boat ramp facility adj. to NC Seafood Park
Authority site
Wayne Hauck, 75 day deadline is 1/28/15. Applicant proposes to construct a docking facility at 102 Bridge Pointe Drive,
in New Bern
Matthew Potter, 75 day deadline is 1/28/15. Applicant proposes to modify two existing pier structures, constructing an
additional pier at 266 Zinkie Lane near the Town of Bath
Daniel M. Govoni

Asst. Major Permits Coordinator
NC Division of Coastal Management
400 Commerce Ave.
Morehead City, NC 28557
[phone]
[phone] fax
[e-mail]
E-mail correspondence to and from this address may be subject to the North Carolina Public Records Law and may be
disclosed to third parties.
Classification: UNCLASSIFIED
Caveats: NONE

Govoni, Daniel
From: Thorpe, Roger
Sent: Friday, December 19, 2014 9:31 AM
To: Govoni, Daniel
Subject: Wayne Hauck proposed docking facility Trent River, Craven County
The subject project will not require a stormwater permit.
Roger K. Thorpe
Environmental Engineer
Land Quality Section
943 Washington Square Mall
Washington, NC 27889
252-948-3923

NEW
North Carolina Department of Environment and Natural Resources
Pat McCrory
Governor:
December 2,.2014
MEMORANDUM:
TO: .. Wpnthony &. _Vr 1'LugIA
Scott Vinson
Division of Water Resources
John E. Skvarla, III
d Secretary
ECEIVED
V
DEC 4 2014.
t! 5f RO.
FROM: Daniel Govoni
Major Permits Processing Coordinator
SUBJECT: CAMA/DREDGE & FILL Permit Application Review
Applicant: Wayne Hauck
Project Location; Craven County, at 102 Bridge Pointe Dr., adjacent the Trent.River, in the
City of New Bern.
Proposed Project: Proposes to construct, a, docking facility for private use on the Trent River.
Please indicate below your agency'sposition.or viewpoint,onthe proposed project and return this form
by December 22, 2014. If you have any questions regarding .the proposed project, please contact Brad
Connell, permit officer at [phone]. When appropriate, in-depth comments with, supporting data
is requested.
REPLY: Thais agency has no objection to the project as proposed.
✓/This agency has no comment on the proposed project. No W147l/ G,,r,,y g_T
tLvsewl
This agency approves -of the project only if the recommended changes are
incorporated. See attached.
This ;agency objects to the project -for 'reasons described in the attached
comrnerits.
SIGNED \ ' DATE _1Ztlfiy
400 Commerce Avenue, Morehead Cily, North Carolina 28557
!-808-28081 FAX [phone] Internet: www.nccoastalr6a6agement.net
An Equal Opportunity 1 Affirmative Action Employer

Pat McCrory
Governor
December 2, 2014
eRECEIVED
CDENR
MEc o 4 ao,1a.
North Carolina Department of Environment and Natural Resources
Ittt:na�Rtahertee
tw�4taQ
John E. Skvarla, III
Secretary
MEMORANDUM:
TO:
FROM:
SUBJECT:
Applicant:
Project Location:
Proposed Project:
Shane Staples
Division of Coastal Management
Daniel Govoni
Major Permits Processing Coordinator
CAMA/DREDGE & FILL Permit Application Review
Wayne Hauck
Craven County, at.. 102 Bridge Pointe Dr., adjacent the Trent River, in the
City of New Bern.
Proposes to construct a docking facility for private use on the Trent River.
Please indicate below your agency's position or viewpoint on the proposed project and return this form
by December 22, 2014. If you have any questions regarding the proposed project, please contact Brad
Connell, permit officer at [phone]. When appropriate, in-depth comments with supporting data
is requested.
REPLY: This agency has no objection to the project as proposed.
This agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes are
incorporated. See attached,
This agency objects to the project for reasons' described in the attached
comments.
SIGNED �!%^ D01ZATE -/-O iY
400 Commerce Avenue, Morehead City, North Carolina 28557
Phone: [phone] FAX [phone] Internet: vnvw.nccoastalmanagement.net
An Equal Opportunity/Affirmative Action Employer

LT X-MA
4*0
NCDENR
North Carolina Department of Environment and Natural Resources
Pat McCrory
Governor
December 2, 2014
MEMORANDUM:
TO:
FROM:
SUBJECT:
Applicant:
Project Location:
DEC - 3 2014
Shellfish Sanitation 6 Recreational
W ity Section
Patti Fowler
Shellfish Sanitation
Daniel Govoni
Major Permits Processing Coordinator
CAMA/DREDGE & FILL Permit Application Review
Wayne Hauck
E. Skvarla, III
Secretary
RECEIVED
DEC 0 5 1014
Oew- mb CITY
Craven County, at 102 Bridge Pointe Dr., adjacent the Trent River, in the
City of New Bern.
Proposed Project: Proposes to construct a docking facility for private use on the Trent River.
Please indicate below your agency's position or viewpoint on the proposed project and return this form
by December 22, 2014. If you have any questions regarding the proposed project, please contact Brad
Connell, permit officer at [phone]. When appropriate, in-depth comments with supporting data
is requested.
REPLY: This agency has no objection to the project as proposed.
XThis agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes are
incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments.
SIGNED k V�, V�r P'4' Wu�
DATE ► IN
400 Commerce Avenue, Morehead City, North Carolina 28557
Phone: [phone] FAX [phone] Internet: www.nocoastalmanagement.net
An Equal Opportunity/ Affirmative Action Employer

Pat McCrory
Governor
December 2, 2014
MEMORANDUM:
TO:
FROM:
SUBJECT:
Applicant:
�A�VA
r1a.DENR
North Carolina Department of Environment and Natural Resources
Ken Pace
NC DOT, State Construction/Materials Branch
Daniel Govoni
Major Permits Processing Coordinator
John E. Skvarla, III
Secretary
., V
JAN 5 2015
NEW FERN
DISTRICT OFFICE
CAMA/DREDGE & FILL Permit Application Review
Wayne Hauck
Project Location: Craven County, at 102 Bridge Pointe Dr., adjacent the Trent River, in the
City of New Bern.
Proposed Project: Proposes to construct a docking facility for private use on the Trent River.
Please indicate below your agency's position or viewpoint on the proposed project and return this form
by December 22, 2014. If you have any questions regarding the proposed project, please contact Brad
Connell, permit officer at [phone]. When appropriate, in-depth comments with supporting data
is requested.
RECEIVED
REPLY: This agency has no objection to the project as proposed.
JAN 14 1015
This agency has no comment on the proposed project. DCnn-MHD CITY
This agency approves of the project only if the recommended changes are
incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments.
SIGNED DATE
400 Commerce Avenue, Morehead City, North Carolina 28557
Phone: [phone] FAX [phone] Internet: www.nocoastalmanagement.net
An Equal Opportunity I Affirmative Action Employer

Ar
NCDENR
North Carolina Department of Environment and Natural Resources
Pat McCrory
Governor
December 2, 2014
MEMORANDUM:
TO:
FROM:
SUBJECT:
Applicant:
RECEIVED
DEC 0 5 2014
DOA
STATE PROPERTY
OFFICE
Tim Walton
State Property Office
Daniel Govoni
Major Permits Processing Coordinator
CAMA/DREDGE & FILL Permit Application Review
Wayne Hauck
John E. Skvarla, III
Secretary
Project Location: Craven County, at 102 Bridge Pointe Dr., adjacent the Trent River, in the
City of New Bern.
Proposed Project: Proposes to construct a docking facility for private use on the Trent River.
Please indicate below your agency's position or viewpoint on the proposed project and return this form
by December 22, 2014. If you have any questions regarding the proposed project, please contact Brad
Connell, permit officer at [phone]. When appropriate, in-depth comments with supporting data
is requested.
ikA,4A REPLY:
F'' '1
'a
r 7 comments.
This ncy has no objection to the project as proposed. JAN 0 0 2015
Pp N�'1fMK�R IDI�O
This agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes are
incorporated. See attached.
This agency objects to the project for reasons described in the attached
SIGNED WTE
400 Commerce Avenue, Morehead City, North Carolina 28557
Phone: [phone] FAX [phone] Internet: www.nrcoastalmanagement.net
An Equal Opportunity I Affirmative Action Employer

NCDENR
North Carolina Department of Environment and Natural Resources
Pat McCrory
Governor
December 2, 2014
MEMORANDUM:
TO:
FROM:
SUBJECT:
Applicant:
Project Location:
Proposed Project:
RECEIVED
JAN052015
Pat McClain
Division of Energy, Mineral & Land Resources
Daniel Govoni
Major Permits Processing Coordinator
CAMA/DREDGE & FILL Permit Application Review
Wayne Hauck
John E. Skvarla, III
Secretary
Craven County, at 102 Bridge Pointe Dr., adjacent the Trent River, in the
City of New Bern.
Proposes to construct a docking facility for private use on the Trent River.
Please indicate below your agency's position or viewpoint on the proposed project and return this form
by December 22, 2014. If you have any questions regarding the proposed project, please contact Brad
Connell, permit officer at [phone]. When appropriate, in-depth comments with supporting data
is requested.
REPLY: This agency has no objection to the project as proposed.
This agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes are
incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments.
SIGNED �-'�"' DATE
E NJ
DEC ' � 2014
0
400 Commerce Avenue, Morehead City, North Carolina 28557
BPhone: 252-808-28081 FAX [phone] Internet: www.nccoastalmanageme�tt �� �o��� rce
An Equal Opportunity I Affirmative Action Employer

Q��
NCDENR
North Carolina Department of Environment and Natural Resources
Pat McCrory
Governor
December 2, 2014
MEMORANDUM:
TO:
FROM:
SUBJECT:
Applicant:
Maureen Meehan
Division of Coastal Management
Daniel Govoni
Major Permits Processing Coordinator
CAMA/DREDGE & FILL Permit Application Review
Wayne Hauck
John E. Skvarla, III
Secretary
Project Location: 40�errl.
at 102 Bridge Pointe Dr., adjacent the Trent River, in the
Proposed Project: Proposes to construct a docking facility for private use on the Trent River.
Please indicate below your agency's position or viewpoint on the proposed project and return this form
by December 22, 2014. If you have any questions regarding the proposed project, please contact Brad
Connell, permit officer at [phone]. When appropriate, in-depth comments with supporting data
is requested.
REPLY: A This agency has no objection to the project as proposed.
AThis agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes are
incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments. I SIGNED DATE ! A IC�
/ y
400 Commerce Avenue, Morehead City, North Carolina 28557
Phone: [phone] FAX [phone] Internet: www.nccoastalmanagement.net
An Equal Opportunity /Affirmative Action Employer

.5 .w r
NCDENR
North Carolina Department of Environment and Natural Resources
Pat McCrory
Governor
December 2, 2014
MEMORANDUM:
TO:
FROM:
SUBJECT:
Applicant:
Project Location:
Proposed Project:
John E. Skvada, III
Secretary
Lee Padrick
Division of Community Assistance
Daniel Govoni
Major Permits Processing Coordinator
CAMA/DREDGE & FILL Permit Application Review
Wayne Hauck
Craven County, at 102 Bridge Pointe Dr., adjacent the Trent River, in the
City of New Bern.
Proposes to construct a docking facility for private use on the Trent River.
Please indicate below your agency's position or viewpoint on the proposed project and return this form
by December 22, 2014. If you have any questions regarding the proposed project, please contact Brad
Connell, permit officer at [phone]. When appropriate, in-depth comments with supporting data
is requested.
REPLY: This agency has no objection to the project as proposed.
�This agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes are
incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments.
SIGNED)� DATE
RECEIVED
400 Commerce Avenue, Morehead City, North Carolina 28557 DEC 17 1014
Phone: [phone] FAX [phone] Internet: www.ncooastaimanagement.net
An Equal Opportunity I Affirmative Action Employer Dew-MH0 CITY

Pat McCrory
Governor
L
�4�
KC-0_EN R
North Carolina Department of Environment and Natural Resources
(If, Iz.04.0q-
December 2, 2014
MEMORANDUM:
TO:
FROM:
SUBJECT:
Applicant:
Project Location:
Proposed Project:
Maria Dunn
NC Wildlife Resources Commission
Daniel Govoni
Major Permits Processing Coordinator
John E. Skvarla, III
Secretary
DEC 2014
RECEIVED
-dam
CAMA/DREDGE & FILL Permit Application Review
Wayne Hauck
Craven County, at 102 Bridge Pointe Dr., adjacent the Trent River, in the
City of New Bern.
Proposes to construct a docking facility for private use on the Trent River.
Please indicate below your agency's position or viewpoint on the proposed project and return this form
by December 22, 2014. If you have any questions regarding the proposed project, please contact Brad
Connell, permit officer at [phone]. When appropriate, in-depth comments with supporting data
is requested.
REPLY: This agency has no objection to the project as proposed.
__,ZThis agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes are
incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments.
SIGNED M, tl- DATE IZ- S -zor
CEIVED
400 Commerce Avenue, Morehead City, North Carolina 28557 DEC 15 2014
Phone: [phone] FAX [phone] Internet: www.ncooastaimanagement.net 9PM-MHD erry
An Equal Opportunity / Affirmative Action Employer

NCDENR
North Carolina Department of Environment and Natural Resources
Division of Water Resources
Pat McCrory
Governor
December 4, 2014
MEMORANDUM:
To: Daniel Govoni
Major Permits Processing Coordinator
Coastal Management Division
400 Commerce Avenue
Morehead City, NC 28557
From: Dyk Luben, P.E., Regional Engineer, PWSS/WaRO
Subject: CAMA/ Dredge and Fill Permit Application Review
Applicant: Wayne Hauck
John E. Skvarla, III
Secretary
Project Location: Craven County, at 102 Bridge Pointe Dr., adjacent the Trent River in the City of
New Bern
Proposed Project: Docking facility for private use on the Trent River
REPLY: This office has no objection to the project as proposed.
SIGNED
X This office has no comment on the proposed project.
This office approves of the project only if the recommended changes are
incorporated. See attached.
This office objects to the project for reasons described in the attached
comments.
DATE I IL /y Z2 0 / —
RECEIVED
DEC ii"
Public Water Supply Section
Washington Regional Office 0W
943 Washington Square Mall, Washington, North Carolina 27889
Phone: [phone] FAX: [phone]Internet: www.ncwater.org/pwsl
An Equal Opportunity 1 Affirmative Action Employer

a
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■ Complete items 1, 2, and 3. Also complete
Item 4 If Restricted Delivery is desired.
■ Print your name and address on the reverse
so that we can return the card to you.
■ Attach this card to the back of the mallpiece,
or on the front if space permits.
t. Ankle Addressed to-,
1T\d�! o���e C�;tlnal
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NDENR
North Carolina Department of Environment and Natural Resources
Division of Coastal Management
Pat McCrory
Governor
December 1, 2014
Mr. Wayne Hauck
102 Bridge Pointe Drive
New Bern, NC. 28562
Dear Mr. Hauck:
Braxton C. Davis John E. Skvarla, III
Director Secretary
The NC Division of Coastal Management hereby acknowledges receipt of your application for State approval
for development of your property adjacent to the Trent River at 102 Bridge Pointe Drive, in New Bern, Craven
County..It was received on November 14, 2014, and appears to be adequate for processing at this time. The
projected deadline for making a decision is January 29, 2015. An additional 75-day review period is provided
by law when such time is necessary to complete the review. If you have not been notified of a final action by
the initial deadline stated above, you should consider the review period extended. Under those circumstances,
this letter will serve as your notice of an extended review. However, an additional letter will be provided on or
about the 75th day.
If this agency does not render a permit decision within 70 days from November 14, 2014, you may request a
meeting with the Director of the Division of Coastal Management and permit staff to discuss the status of your
project. Such a meeting will be held within five working days from the receipt of your written request and shall
include the property owner, developer, and project designer/consultant.
NCGS 113A-119(b) requires that Notice of an application be posted at the location of the proposed
development. Enclosed you will find a 'Notice of Permit Filing" postcard which must be posted at the
property of your proposed development. You should post this notice at a conspicuous point along your
property where it can be observed from a public road. Some examples would be: Nailing the notice card to a
telephone pole or tree along the road right-of-way fronting your property, or at a point along the road right-of-
way where a private road would lead one into your property. Failure to post this notice could result in an
incomplete application.
400 Commerce Ave., Morehead City, NC 28557
Phone: [phone] FAX:[phone] Internet: www.nccoastalmanagement.net
An Equal Opportunity 1 Affirmative Action Employer

An onsite inspection will be made, and if additional information is required, you will be contacted by the
appropriate State or Federal agency. Please contact me if you have any questions and notify me in writing if
you wish to receive a copy of my field report and/or comments from reviewing agencies.
Sincerely,
G
"0
Brad Connell
Coastal Management Representative
m
Enclosure
CC: Daniel Govoni, Assistant Major Permits Coordinator
Roy Brownlow, District Manager
Dan Foley, Foley Contractors LLC
400 Commerce Ave., Morehead City, NC 28557
Phone: [phone] FAX: [phone] Internet: www.nccoastaimanagement.net
An Equal Opportunity 1 Affirmative Action Employer

�i}'� ' e• N I K `.d Y ' t� j ; •L a ia.. ' �i v t� ` i'i ids
Nk .. . k x 7. 'M I
COMMENTS ACCEPTED THROUGH
APPLICANT:
Mir. Wayne ,^Z..:Lio
102 Bridge 7 a i n r` id�� -
i`f_. Bern, K'.3 •,� 2(� .1 fir.
FOR MORE DETAILS CONTACT
THE LOCAL PERMIT OFFICER BLOW
Brad C®99nefl - ®CM
400 C®w mairce Avenue
Morehead City, INIC 28557
[phone]

Page 1 of 20
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Sherri B. Richard Register of Deeds
BK2996 m423
DEED OF TRUST
Return To: BEU
Prepared By: SWtM X Ball, MtcrW at Tar
MTN 100IS9966155383002
DEFINITIONS
Words used in multiple sections of this document arc defined below and other words are defined in
Sections 3, 11, 13. IB, 20 and 21. Certain rules regarding the usage of words used in this document are
also provided in Section 16.
(A) "Security instrument" means this document, which is dated April 22 2011 ,
together with all Riders to this document.
(B) "Borrower"is Wayne 0 Hauck 111 and Nancy 8 Hauck, Itmtwd and wife
Borrower is the Moore under this Security instrument.
(C) "Lender" is Branch Banking and Trust Company
Lender is Corporation
organized and existing under the laws of NORTH CAROLI NA
Lendeesaddressis 223 West Nash Street, Wilson. NC 27893
(C-1) The name of the Mortgage Broker is
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RETURN TO:
STEVEN K . BELL
P.O. BOX 1355
NEW BERN, NC 28563
RECEIVED
SEP 10 2014
DCM-Mm CITY
Book:2996 Page:423 Seq:1

Page 2 of 20
(D)^rranee"is Frances Jones
(E) 1IMERS" is Mortgage Electronic Registration Systems, Inc. MERE i:: a separate corporation that is
acting solely as a nominee for Lender and Lutder's successors and aui�ns. MERS is the beneficiary
under this Security Instrument. MERS is organized and existing under 1 ne laws of Delaware, and has an
address and telephone number of P.O. Box 2026, Flint. MI 49501-2026. tel. (ug) 679-MERS.
(F) Note" nweos the Promissory note signed by Borrower and dead as of the date hereof
The Nmestates that Borrower awes Lender Two Hundred Fifty Thousand And Zero/100
Dollars
(U.S. $250.000.00 ) plus interest. Borrower has prortdsr d to pay this debt in regular Periodic
Payments and to pay the debt in full rat later than May 01, 2027
(C) "Property" mean the Property that is described below miler P e heeding "Tramder of Rights in the
Property."
(H) "Ion" owns the debt evidenced by the Note, plus interest, :,ray prepayment chergrs and late charges
due under the Noe, and all sums due under this Security Instrument, plus Interco.
(1) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following
Riders are to be examted by Borrower (check box as applicable]:
Adjustable Rate Rider Condominium Rider © Second Home Rider
Balloon Rider Planned Unit Development Rider 1-4 Family Rider
VA Rider LJ Biweekly Payment Rider ® Other(s) [specify]
Constr/Perm Rider
(.q "Applicable Law" means all controlling applicable Prdenl, state and local smtutes, regulations,
ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final,
non -appealable judicial opinions.
(♦)'Community Association Dues, Foes, and Aaesoments"rmans all dues, fees, assessments and other
charges that are imposed on Borrower or the Property by a condominium association, homeowners
association or similar Organization.
(L) 'Electronic Funds Transfer" meare any Insnafer of Hinds, other than a transaction originated by
check, dreg, or similar papa instrument, which is initiated through an electronic terminal, telephonic
instrument, computer, or magnetic tape so as to order, interact, or authorize a financial institution to debit
or credit an accnmr. Such term includes, but is not limited to, point -of -sale- rrarecfem maturated tills
machine vansactious, transfers initiated by telephone, was transfers, and amomated clearinghouse
transfers.
(M) "Escrow Items" means those items that are described in Section 3.
(N) "MluNlanenm Proceeds" mesons any compensation, settlement, award of damages, m proceeds paid
by my third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i)
damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any Purl of the
Property; (iii) conveyance in lieu of condenmation; Or (iv) misrepresentations of, or omissions, as to, the
value and/m condition of the Property.
(0) "Mortgage tewraaee" mare insurance protecting Lender against the nonpayment of, or default on,
the Loan.
(P) "Periodic Payment" means, the regularly scheduled amount due for (i) principal and interest under the
Note, Plus (it) my amounts under Section 3 of this Security Instrument.
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SEP 10 2014
t•
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Book: 2996 Page:423 Seq:2

Page 3 of 20
(Q) 'RESPA" trains the Rent Estate Settlement Procedures Act (12 U.&C. Section 2601 at seq.) end its
in plemerning regulation, Regulation X (24 C.F.R Part 3500), as they "night be amended from time to
time, or my additional or sucasw legislation or regulation that gov the same subject mattes As used
in this Security Instrument, "RESPA" refer to all requirements and restrictions that are imposed in regard
to a "federally related mortgage Ion" even if the Loan does not qualif-J as a "federally related mortgage
low" order RFSPA.
(R) 'Succcaer In Interest of my party that has ta':en title to the Properly, whether or
net that party has assumed Borrower s obligations under the Note andf or this Security lostrumrnt.
TRANSFER OF RIGHTS IN THE PROPERTY
The beneficiary of this Security Instrument is MERS (solely :is nominee for Lender and Lender's
successors and assigns) and the successors and assigns of MER i. This Security Instrument seerres to
Lender: (i) the repayment of the Low, and all renewals, extensions and modifications of the Not, and
(ii) the performance of Borrowers covenants and agreements under this Security Instrument and the
Nae For this purpose, Burrows irrevocably grants and coover. to Trustee and Trustee's successors and
assigns, in trust, with power of sale, the following described property located in the
County of CRAVEN
(Type of Recording Jurisdiction] [Name of Recording Jurisdiction]
Parcel ID Number: 7-002-1-018 which currently has the address of
102 Bridge Pointe Dr [Street]
NEW BERN [City], North Cuolins28562-6458(Zip Code]
("Property Address"):
TO HAVE AND TO HOLD this property onto Trustee and Trustee's mecessas and assigns, forever,
together with all the improvements now or hereafter erected on the property, and all easements,
appurtenances, and fixtures now K henra8a a part of the property. All replacesicne and additions shall
also be covered by this Security Instrumment. All of the foregoing is referred to in this Security Instrument
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SEP 10 2014
DCU'vto MY
Book:2996 Page:423 Seq:3

Papa 4 of 20
as the -Property." Borrower understands and agrees that MERS holds only legal title to the interests
granted by Borrower in this Security instrument. but, if neaasary to comply with law or custmq MERS
(se nominee for Leader and Lender's successors and asai fur) has the right; to exercise any or all of those
interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action
required of Lender including, but not limited to, releasing and canceling this Security Instrument.
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has
the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances
of record. Borrower warrants and will defend generally the title to the Property against all claims and
demands, subject m my encumbrancer of record
THIS SECURITY INSTRUMENT combince uniform covenants for national use and non -uniform
cavemnts with limited variations by jurisdiction to constitute a uniform security instrument covering real
Property.
UNIFORM COVENANTS. Borrower and Lender covering and agree as follows:
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.
Burrower shall pay when due the principal of, and interest on, the debt evidenced by the Now and my
prepayment charges and late charges due under the Note. Borrower shall also pay funds fur Escrow Items
pursuant to Section 3. Payrrets due under the Note and this Security Instrument shall be made in U.S.
currency. However, if any check or other instrument received by Larder m payment under the Note or this
Security Insomm of is returned to Leader unpaid, Lever may require that my m all subsequent payments
due under the Note and this Seopity Instrument be made in one or more of the following farm, as
selected by Lender: (a) cash; (b) money order: (c) certified check, bank check treasurer's check or
eaehier's check, Provided my such check is drawn upon an institution whose deposits are insured by a
federal agency, insWmentality, or amity, or (d) Electronic Funds Transfer.
Payments are domed received by Lender when received a the location designated in the Note a in
such other location in may be designated by Lender in accordance with the notice provisions in Section 15,
Leader may return my payment or partial payment if the payment or partial payments are insufficient to
bring the Lam current. If Borrower has breached my covenant or agra mnt in this Security Instrument
and Lender has accelerated the obligations of Borrower hereunder pursuant to Section 22 the Lender may
accept my payment or partial payrumn insufficient to bring the Loan current, without waiver of my rights
hereunder or prejudice to is rigl s to refuse such payment or partial payments in the future, bur Lender is
not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is
applied as of its scheduled due date, than Lender need not pay interest on unapplied funds. Lender may
hold such unapplied funds until Borrower makes payment N bring the Loan current. If Borrower does not
do so within a reasonable period of time, Lender shall either apply such funds or return them (o Borrower.
If not applied earlier, such funds will be applied to the outstanding principal balance order the Note
immedisely price to foreclomre. No onset or claim which Borrower might have now or in the future
against Lender shall relieve Borrower from ranking payments due under the Note and this Security
Instrument or performing the mvenms and agreements secured by this Security Instrument.
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all
payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest
due under the Note; (b) principal duc under the Nate; (c) amounts due under Section 3. Such payments
shill be applied to each Periodic Payment in the order in which it became due. Any remaining amounts
shall be applied first to late charges, second to my other amounts due under this Suavity Instrument, and
then to reduce the principal balance of the Noe.
If Leader receives a payment from Borrower for a delinquent Periodic Payment which includes a
sufficient amount to pay my late charge due, the payment my be applied to the delinquent payment and
the late charge. If more than one Periodic Payment is outstanding, leader may apply my payment received
from Borrower to the repayment of the Periodic Payments if, and to the eaten that, each payment can be
paid in full. To the extent that my excess exists after the payment is applied to the full payment of one or
more Periodic Payments, such excess may be applied to my Inc charges clue. Voluntary prepayments shalt
be applied Graz to my prepayment charges and then as described in the Note.
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IK2996 Pa426
RBCEIMD
SEP 10
DCM-MHD CITV
Book:2996 Page:423 Seq:4

Papa 5 of 20
Any application of payments, insurance procac,ts, or Miscellaneous Proceeds to principal due under
The Note shall not extend or postpone the due date, a change the amount, of d as Periodic Paymm.
3. Fonds for Escrow Items. Borrower shall Pry to Lerida un the day Parodic Payments are due
under the Note, until the Note is paid in full, a am (Ile "Funds") to provide for payment of amounts due
for (a) taws and eascssments end other items which sari attain priority over this Security Instrument is a
lien or encanbrerhce on the Property; (b) leaulald payments or ground mils on the Property, if my; (c)
premiums for any and all insurance required by Lender under Seaim 5; sort (d) Mortgage Insurance
premiums. if my, many som payable by Borrower to Under in li_u of the payment of Mortgage
Insurance premium in accordance with the provision of Section 10. These items ere called "Escrow
Itr s." At origination or at any time during the ton of the Loan, Leader may require that Community
Association Duey Fes, and Assessments, if my, be escrowed by f.orrower, and such dues, fees and
assessments shall be an Escrow Iran. Borrower shall promptly finish to Lender all notices of amounts to
be paid under this Section. Borrower shall pay Lerida the Funds for Esamv Items unless Lender waives
Borrower's obligation to pay the Funds for my or all Escrow It ma. Lerida may waive Borrower's
obligation to pay to Lender Funds for my or all F_acrow Items at an y time. Any such waiver may only be
in writing. In the event of such waiver, Borrower shall pay directly. whoa and where payable, the amounts
due for my Escrow Items for which payment of Funds has been waved by Lender end, if Lender requires,
shall famish to Lender receipts evidencing such payment within s,wh lime period as Lender my require.
Borrowef a obligation to make such psymenL+ and to provide race ipts shall for all purposes be deemed to
be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement"
is used in Section 9. If Borrower is obligated to pay Escrow Pans directly, pursuant to a waiver, and
Borrower fails to pay the mount due fa an Escrow Item, Lend o may exercise its rights under Section 9
and pay such surmount and Borrow= shall then be obligated undo Section 9 to repay to Lender my such
amount Lerida may revoke the waives as to my or all Eacra w Itans at my tune by a notice given in
accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in
such amounts, that me then required under this Section 3.
Lender may, at my time, collect and hold Funds in an wriunt (a) sufficient to permit Lerida to apply
the Funds at the Lime specified under RESPA, and (b) not to exceed the maximum anatml a lender can
require under RESPA. Lerida shall estimme the amount of Funds due on the basis of currant data and
reasonable eminuum of expenditures of future Escrow Iterm or otherwise in accordance with Applicable
Law.
The Funds shall be held in an institution whom deposits we insured by a federal agency,
inatmmatudity, or entity (including Lender, if Lender is an institution whom deposits arc so insured) or in
my Federal Home Loon Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time
specified under RESPA. Lerida shall not charge Borrower for holding and applying the Funds, annually
analyzing the escrow, account, or verifying the Escrow items, unless Lender pays Barrows interest on the
Funds and Applicable Law permits Lender to make such a charge. Unless an agrarmr is nude in writing
or Applicable Law requires interest to be paid on the Funds, Leader shall not be required to pay Borrowa
my interest or earnings an the Funds. Borrower and Lerida can agree in writing, however, that interest
shun be paid on the Funds. Leda shall give to Borrower, without charge, an annual accounting of the
Funds as required by RESPA.
If there is a surplus of Funds held in escrow, as defnrid under RESPA, Lender shall account to
Borrower for the access funds in accordance with RESPA. If there is a shortage of Funds held in escrow,
as defined under RESPA, Lender shell notify Borrower in required by RESPA, and Borrower shall pay to
Lender the amount necessary to nnke up the shortage in accordance with RESPA, but in no more than 12
monthly paymarts. If there is a deficiency of Funds held in escrow, ae defined under RESPA, Lender shall
notify Borrower in required by RESPA, and Boeowa shall pry to Lerch the amount necessary to make
up the deficiency in accordance with RESPA, but in no more than 12 monthly payments.
Upon payment in full of all stun secured by this Security Instrument, Lender shall promptly refund
to Borrower my Funds held by Lender.
4. Charges; Lima. Bormwa shall pay all more. asaenmcm, charges, Imes, and impositions
attributable to the Property which can amain priority ova this Security Inemmad, leasehold payments or
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EP 10 2014
DCMM MCITY
Book:2996 Page:423 Seq: 5

Page 6 of 20
ground rafts on the Property, if any, and Community Association Does. Fers, and Assesvnents, if any. To
the "lent that these items are Escrow Ilene, Borrows shall pay them in the mums provided in Section 3.
Borrower shell promptly discharge any lien which has priority ova this Security Instrument unless
Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable
to Lender, but only w long as Borrows is performing such agreement; (b) contests the It= in good faith
by, or defends against enforcement of the lien in, legal proceedings which in Latch's opinion operate to
prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings
are concluded; a (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating
the lien to this Security Instrument. If Lender daermines that any pan of the Property is subject to a lien
which cur attain priority over this Security Inert ment, Lender may give Harower a notice identifying the
liar, Within 10 days of the date on which that notice is given, Burrower shall satisfy the lien or take one a
more of the actions set forth above in this Section 4.
Lender my require Borrower to pay a one-time charge for a real estate tax verification and/or
reporting savice used by fender in connection with this Lout.
S. Property Insurance. Borrower shall keep the improvements now existing or hereafter entered on
the Property insured against loss by fire, hazards included within the term "extended coverage," and any
other hazards including, but not limited to, earthquakes and floods, for which Lader requires insurance.
This insurance shall he maintained in the amounts (including deductible levels) and for the periods that
Lender requires. What Lender require pursuant to the preceding sentences ciao change during the term of
the Loan. The insurance carria providing the insurance shall be chosen by Borrows subject to Larder's
right to disapprove Borrower's choice, which right shell not be exercised unreasonably. fender my
require Borrower to pay, in connmion with this Loan, either: (a) a one-time dlarge for flood zone
determination, certification and tracking services; a (b) a one-time charge for flood zone determination
and certification services and subsequent charges each time remappings or similar changes occur which
reasonably might affect such determination or certification, Borrows shall also he responsible for the
payment of any fees unposed by the Federel Emergency Management Agency in correction with the
review of my flood zone determination resulting from an objection by Borrows.
If Borrower fails to maintain my of the coverages described above, Lender may obtain insurance
coverage, at Lender's option and Borrower's "peme. Lender is under no obligation to purchase my
particular type a amount of coverage. Therefore, such coverage shall cover Lender, but might or might
not protect Boaawer, Borrower's equity in the Property, or the contents of the Property, against my risk,
hazard or liability and might provide greater or lesser coverage am was previously in effect. Borrower
acknowledges the the cost of the insurance coverage so obtained might significantly exceed the cost of
insurance that Borrows could have obtained. Any amounts disbursed by lender under this Section 5 shall
become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest
at the Note rate from the date of disbursement and steel be payable, with such interest, upon notice from
lends to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject to Lender's
right to disapprove such policies, shall include a standard mortgage clause, and shall nurse Lender as
mortgagee andlor in an additional loss payce. Linder shall have the tight to hold the policies and renewal
certificates. If Inds requires, Borrower shall promptly give to Lender all receipts of paid premium and
renewal notices. If Burrower obtains my four of insurance coverage, not otherwise required by Lender,
for damage to, or destruction of, the Property, such policy "I include a standard mortgage clause and
shall name Lenda u mortgagee and/or as an additional ]%a payee.
In the event of loss, Borrower shall give prompt notice to the insu m e curia and Lender. Lander
my make proof of Iwo if not trade promptly by Borrowa. Unless Leda and Baarowa otherwise agree
in writing, my insurance proceeds, whether or not the underlying insurance was required by Linder, shall
be applied to restoration a repair of the Property, if the restoration or repair is wonamically feasible and
Lender's security is not lessened. During such repair and restoration period, Leader shall have the right to
hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the
work has ban completed to Lender's satisfaction, provided that such inspection shall be undertaken
promptly. lads nay disburse proceeds for the repairs and restoration in a single payment or in a aeries
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of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law
requires interest to be paid on such mairranc , proceeds, Lender shall Out be required to pay Borrower any
interest or earnings on such proceods. Fern for public adjusters, or other third parties, retained by
Borrower shall not be paid out of the insurmr< proceeds and shall be the sole obligation of Borrower. If
the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance
proceeds shall be applied to the sums; secured by this Security Immanent, whether or not then due, with
the excess, if any, prod to Borrower. Such insurance proceeds shall be applied in the Order provided for in
Section 2.
If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance
claim and related matters. If Borrows does not respond within 30 days to a notice from Lenda that the
insurance carrier has ofTered to settle a claim, then Lender may negotiate and settle the claim. The 30-day
Period will begin when the notice is given. In either event, or if Lida acquires the Property under
Section 22 or otherwise. Borrower hereby assigns to Lenda (a) Borrowers rights to any insurance
proceeds in an aanunt not to exceed the amounts unpaid under the Now or this Security Instrument, and
(b) any other of Borrower's rights (other than the right to any refund of umesrned premiums paid by
Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the
coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or
to pay amounts unpaid under the Note or this Security Instrument, whether or act then due.
6. Occupancy. Borrower shall occupy, establish. and use the Property as Borrower's principal
residence within 60 days after the execution of this Security Instrument and shall continue to occupy the
Property as Borrower s principal residence for at least now year after the date of occupancy, unless Lender
otherwise agrees in writing, which consent shall not he unreasonably withheld, or unless extenuating
circumstances exist which are beyond Borrower's control.
7. Preservation, Maintmance and Protection of the Property; InspeetMna Borrower shall not
destroy, damage or impair the Property, allow the Properly to deteriorate Or commit waft on the
Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Properly in
order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is
determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall
promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or
condermation proceeds we paid in connection with damage to, or the taking of, the Property, Borrower
shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such
purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of
progress payments as the work is completed. If the insurance or coisdemnation proceeds are not sufficient
to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of
such repair or restoration.
Leader or its agent may make reasonable entries upon and inspections of the Property. If it has
reasonable cause, Lender may inspect the imerior of the improvements m the Property. Lend" shall give
Borrower notice at the lime of or prior to such an Interior inspection specifying such reasonable cauu.
g. Borrower's Loan Application. Borrower shall be in default if, during the Loan application
process, Borrower or any persona or amities acting at the direction of Borrows or with Borrower's
knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender
(or failed to provide Lender with material information) in connection with the Loan. Material
representations, include, but are not limited to, representations concerning Borrower's occupancy of the
Property as Borrower' a principal residence.
9. Protection of Lender's Ioterest In the Property and Righta Under this Security InstromeaL If
(a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there
is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under
this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for
enforcement of alien which may attain priority over this Security Instrument or to enforce laws or
regulations), or (c) Borrower has abandoned the Property, then Larder may do and pay for whatever is
reasonable or appropriate to protest Landers interest in the Property and rights under this Security
Ino rmnein, including protecting and/or assesfing the value of the Property, and souring md/or repairing
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DCl AMDCTTY
Book:2996 Page:423 Seq:7

Page a of 20
the Property. Linda's actions an include, but are not limited to: (a) paying any sums secured by a Jim
which bas primity over this Security Instrument; (bi appearing in coup; and (c) paying reasonable
attorneys fees to protect its interest in the Property and or rights under this Security Instrument, including
its secured position in a bankruptcy proceeding. Seca ing the Property includes, but is not lindled to,
entering the Properly to make repairs, change locks, re; Ilace or hoard up doors end windows, drain water
from pipes, eliminate building or other code violations or dangerous conditions, and have utilities fumed
on or off. Although fender may take action under this cction 9, Lender does not have to do so and is not
under arty duty in obligation to do so. it is agreed that I -ender incurs no liability for not taking any in all
actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 shall became additional debt of Burrower
secured by this Security Instrument. These amounts shall bear interest at the.fote rate from the date of
disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting
payment.
If this Security Instrument is on a leasehold Burrower shall comply -vith all the provisions of the
Jesse, if Borrower acquires fee title to the Property, the leasehold and the ra title shall rat merge unless
Lender agrees to the merger in writing.
10. Mortgage Isaraaee If Lender required Mortgage Insurance as 4 condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insu; ance in effect. If, fin any reason,
the Mortgage Insurance coverage required by Lender cease to be availrble from the mortgage insurer that
previously provided such insunrkce and Borrower was required to acre separately designated payments
toward the premiums for Mortgage Insurance, Burrower shall psi the premiums required to obtain
coverage substantially equivalent to the Mortgage Insurance previr sly in effort, in a cost substantially
equivalent to the cost to Borrower of the Mortgage Insurance Previously in effort, from an alternate
mortgage insurer selected by Lender. If substantially equivalent Mortgage Insoance coverage is not
available, Borrower shall continue to pay to Lender the amount or, the separately designated payments that
were due when the insurance coverage ceased to be in effect. lender will accept, use and retain these
payments as a non-refundable lose reserve, if permitted undtf Applicable Law, in lieu of Mortgage
Insurance. Such Ins teatime shall be non-refundable, notwithsLmding the fact that the Loan is ultimately
paid in full, and Lender shall not be required to pay Burrower any interest or earrings on such loss
reserve, if permitted under Applicable Law. Lender an n,h longer require loss reserve payments if
Mortgage Insurance coverage (in the amount and for the p xiod that Lender requital provided by an
insurer selected by Lender again becomes available, is oblain�d, and Lender requires separately designated
payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a
condition of making the Loan and Borrower was required to make separately designated payments toward
the premiums for Mortgage Insurance, Borrower shall pal the premiums requited to maintain Mortgage
Insurance in effect, if permitted under Applicable Law, or to provide a non-refundable lea reserve, until
Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between
Burrow= and Lender providing for such termination err until termination is required by Applicable Law.
Nothing in this Section 10 affects Borrower's obligation a interest at the rate pprrovided in the Note.
Mortgage Insurance reimburses lender (or any entity that purchases the Note) for certain loses it
may incur if Borrower due not repay the Loan as agreed. Borrow= is not a party to the Mortgage
Insurance.
Mortgage insurers evaluate their total risk on all such insurance in fora from time to time, and may
enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements
are on terms and conditions that are satisfactory to the mortgage insurer and the other party (m parties) to
these agreements. These agreements may require the mortgage insurer to make payments wing my source
of funds that the mortgage insurer my have available (which may include funds obtained from Mortgage
Insurance premiums).
As a reach of these agreements, Lender, my purchaser of the Nate, another insurer, any reinsurer,
any other entity, or my affiliate of my of the foregoing, may receive (directly or indirectly) amounts Out
drive from (or might be characterized as) a portion of Borrowers payments fm Mortgage Insurmce, in
exchange for sharing or modifying the mortgage insurer's risk or reducing Iowa. If such agreement
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provides that an affiliate of Lmda takes a share of the insurer's risk in "change for a share of the
premiums paid to the insurer, the arrangement is often termed " xptive reinsurance." Further:
(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for
Mortgage lasursnce, or any other terms of the Loan. Such agreements will not increase the amount
Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund.
(b) Any such agreements will not affect the rights M,mwer has - if any - with respect to the
Mortgage insurance under the Homeewuees Protection A. t of 199E or any other law. Theme rights
may include the right to receive certain disclosures, to request and obtain installation of the
Mortgage Insurance, in have the Mortgage Insurance terminated automatically, and(or to receive a
refund of any Mortgage Insurance premiums that were u,earned at the time of such cancellation or
termination.
11. Assignment of Miscellaneous Proceeds; Forfelhpra All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceals shot[ be applied to restoration or repair of
the Properly, if the restoration or repair is economically feasible and Lenders security is not lessened.
During such scour and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds
until Lender has had an opportunity to inspect such Property to ensure the work has been completed to
Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the
repairs and restoration in a single disbursement or in a series of progress payments es the work is
completed. Unless an agreement is made in writing or Applicable Law requires interest m be paid on such
Miscellanas ss Proceeds, Lender shall nee be required to pay Borrower any interest or earnings on such
MisceBanceua Proceeds. If the restoration car repair is got economically feasible or Lenders security would
he lessened, the Miscellaneous Proceeds shill be applied m the same sawed by this Security Instrument,
whether a not than due, with the eaass, if any, paid to Borrmva. Such Miscellaneous Proceeds shall be
applied in the order provided fen in Section 2.
In the event of a total taking, destruction, or Iona in value of the Property, the Miscellaneous
Proceeds shell be applied to the sums secured by this Security Instrument, whether or not than due, with
the excess, if any, paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the Parris] taking, destrction, a lou in value is equal to or
greater than the amount of the seam secured by this Security Instrmrleot immediately before the partial
taking, destruction, or loss in value, tmias Borrowa and Leda otherwise agree in writing, the sums
secured by this Security Instrument shall be reduced by the amount of the Miscellaneotu Proceeds
multiplied by the following fraaion: (a) the total amount of the semis seared immediately before the
partial taking, destruction, Or loss in value divided by (b) the fair marks value of the Property
immediately before the partial taking, destruction, or loss in value. Any balance shell be paid to Borrower.
In the event of a partial taking, destruction, a toes in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is Imes than the
arrawt of the sums seamed immediately before the partial taking, destruction, or loss in value, unless
Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the soon
seared by this Security Instrument whether nr not the amen are than due.
If the Property is abandoned by Borrower, a if, after notice by Lander to Borrower rhs] the
Opposing Party (as defined in the nest sentence) offm to make an award to settle a claim for domages,
Borrower fails to respond to Lenda within 30 days after the date the r min is given, Lender is authorized
to ODUM and apply the Miseollaneoua Proceeds either to res O1nAin or repair of the Property a to the
sums secured by this Security Instrument, whether Our not than due. "Opposing Party" mews the third patty
that owes aorro]va Miscellanea" proaals or due party against wham Borrower but a right of actin in
regard to Mismilareout Proceeds.
Borrower shall be in default if my action a proceeding, whether civil a criminal, is begun that, in
Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's
interest in the Property or rights under this Security Instrument. Borrower can sue such a defmlt and, if
acceleration has occurred, reinstate as provided in Section 19. by causing the action or proceeding to be
rslsueroo ...Hare..
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dismissed with a ruling that, in Lender's judgment, precludes foul allure of the Property or other material
impairment of Lender's interest in the Property or rights under this Security instrument. The proceeds of
any award a claim for damages that are attributable to the impaim tan of Lender's interest in the Property
are hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restore, ion or repair of the Property shall be
applied in the order provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Ns.t u Walver. Extension of the time for
payment or modification of amortization of the aunts secured by 0„is Security Instrument granted by Lander
to Borrower or any Successor in Interest of Borrower shall not olmotte to release the liability of Borrower
or any Successors in Interest of Borrower. Lerida shall not be required to commerce proceedings against
any Successor in Interest of Borrower a to refuse to extent, time for payment or otherwise modify
amortization of the sums seed by this Security Instrument by mason of my demand made by the original
Borrower many Succem ms in Interest of Borrower. Any forbc mince by Lender in exercising any right or
remedy including, without limitation, Lender's acceptance of payments from third persons, entities or
Succesaom in Interest of Borrower or in amounts less than the ; mount then due, shall not be a waiver of or
preclude the exercise of any right or remedy.
13. Joint and Several Liability; C"lgners; Suacmml� and Assigns Bound. Borrower covaants
and agrees that Borrower's obligations and liability shall be jo int and several. However, my Borrower who
co-signs this Security Instmment but does not execute the Note (a "co-signer"): (a) is co-signing this
Security Instrument orgy on mortgr. grant and convey the co-signers interest in the Property under the
taws of this Security Instrument; (b) is not personally oblillated to pay the sums secured by this Security
Instrument, and (c) agrees that Lender and my other Bar�wa can agree to extend, modify, forbear or
make my accommodations with regard to the tams of thi : Security Innmmatl or the Note without the
cosigners consent.
Subject to the provisions of Section 18, my Suatmor in Interest of Borrower who assumes
Borrowers obligations under this Security Instrument in writing, and is approval by Lender, shall obtain
all of Borrowers rights and benefits under this Security hatrument Borrower shell not be released from
Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in
writing. The covenants and agreements of this Security Instrument shall bind (except as provided in
Section 20) and benefit the snaceamm, and assigns of Leader.
14. Loan Charges. Lender may charge Borrower fas for services performed in connection with
Borrowers dcfmlt, for the purpose of protecting Lender's interest in the Property and rights under this
Security lawturem, including, bid not limited to, attorneys' fees, pproroperty inspection and valuation fees.
In regard to my other fees, the absence of express authority in this Su:hnity Instrument to huge a specific
fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge
fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Low is subject to a law which sets maximum loan charges, and that law is finally interpreted so
that the interest or other loan charges collard or to be collected in connection with the Low exceed the
permitted limits, then: (a) my such low chugs dell be reduced by the amount necessary to reduce the
charge to the permitted limit; and (b) my anon already collated from Borrower which eaceeded permitted
limits will be refunded to Borrower. Lender may choose m make this refund by reducing the principal
owed under the Note or by malting a direct payment to Borrower. If a refund reduces principal, the
reduction will be treated as a al prepayment without my prepayment charge (whether or not a
prepayment charge is provided for the Note). Borrower's acceptance of my such refund made by
direct payment to Borrower will constitute a waiver of my right of action Borrower might have wising out
of such overcharge,
15. Nodeea. All notices given by Borrower or Lerida in amnectim with this Security Instrument
most be in writing. Any notice to Borrower in connectiem with this Security Instrument shall be damed to
have been given to Borrower what maild by first class mail or what actually delivered to Borrower's
notice address if set by other names. Notice to my one Borrower shall constitute notice to all Bonrowers
unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address
unless Borrower has designated a substitute notice address by notice to Lender. Borrowa shell promptly
ansuassa
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notify Lender of Borrower's change of s ldre a. If Lender specific: a procedure for reporting Boerower's
change of address, than Borrower shall only r. port a change of ad Press dumrgh that specified procedure.
There may be only one designated notice addrem under this :ecw ity Instrument a any one time.
Any notice in Lender shall be given by delivering it or by nailing i, by fuel class mail to Ladd a address
stated herein unless Lender has designated another address by n ,tice In Borrower. Any notice in
connection with this Security Instrument shall not be dined to hav : borer given to Lender until actually
received by Lender. If any notice required by this Security Interim art is also required under Applicable
Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security
Instrument.
If. Governing Law; SeverablBty; Rates of Constructit,a This Security Instrument shall be
governed by federal law and the law of the jurisdiction in whica the Property is located. All rights and
obligations contained in this Security Instrument we subject to any requirements and limitations of
Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it
might be silent, but such silence shall not be removed a a pn bbitim against agreement by contact. In
the event that my provision or clause of this Security Instrur,unt or the Note conflicts with Applicable
Law, such conflict shall not effort other provisions of this Se unity InsWnent or the Note which an be
given effort without the conflicting provision.
As used in this Security Immanent: (a) words of the masculine gander shall roan and include
corresponding neuter words or words of the feminine grnd.x: (b) words in the singular shall mean and
include the plural and vice verse; and (c) the word "may" lives sole discretion without my obligation to
tale my action.
17. Borrower's Copy. Borrower shall be given one copy of the Now and of this Security Instrument.
18. Tramfa of the Property or a BeneBdal Iota est In BotTower. As used in this Section 18.
"Interest in the Property" meets my legal or beneficial interest in the Property, including, but not limited
to, those beneficial interests transferred in a bond for cloak contract for deed, installment sdes contract or
escrow agreanenk the intent of which is the transfer of title by Borrower at a future date to a purchaser.
If all or my part of the Property or my Interest in the Property is sold or transferred (or if Borrower
is not a natural pawn and a beneficial interest in Borrower is sold or transferred) without Lenders print
written consent, Lender may require immediate payment in full of all sums seamed by this Security
instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by
Applicable Law.
If Lade exacises this option, Larder shall give Borrower notice of acceleration. The notice shall
provide a period of not less than 30 days from the date the notice is given in accordance with Section 15
within which Borrower must pay all sums sacred by this Security Instrument. If Borrower fails to pay
time ems prior to the expiration of this period, Lender may invoke my remedies permitted by this
Security Instrument without furtha notice a demand on Burrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions,
Borrower shall have the right to have enforcement of this Security Instrument discontinued at my time
prior to the what of. (a) five days before sale of the Property pursuant to my power of sale contained in
this Security Instrument; (b) such other period at Applicable Law might specify for the termination of
Borrowers right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those
conditions are But Borrower: (a) pays Lander all sums which Dun would be due under this Security
Imtmment and the Note at if no accrenstion had occurred; (b) cores my default of my other covenants or
agreements; (c) payer all expenses incurred in enforcing this Security Instrument, including, but not limited
to, reasonable attomeys furs, property inspection and vahatim fees, and other fees incurred fm the
purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d)
takes such action as Lender my reasonably require to secure that Lender's interest in the Property and
rights umda this Seomity Instrument, and Borrower a obligation to pay the sums secured by this Security
Instrument, shall continue unchanged. Lender may require that Borrower pry such reinstatement tons; and
expenses in one or more of the following forms, u selected by fender: (a) ash; (b) money order; (c)
certified check, bank check, treasurer' a check or cashier a check, provided my such check is drawn upon
an institution whose deposits are insured by a federal agency, instrumentality of entity; or (d) Electronic
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Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby
shall remain tally eRertive a if no acceleration had occurred- However, this right to reinstate shall not
apply in the case of acceleration under Section I S.
20. Sate of Note; Change of Loan Service; Notice of Crievonm The Note or a partial interest in
the Note (together with this Security Instrument) can be sold one or more times without prior notice to
Borrower. A sale might result in a change in the entity (known a the "Loan Servicer") that collects
Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan
servicing obligations under the Note, this Security Instrument, and Applicable law. That also might be
one or more changes of the Latin Servicer unrelated to a sale of the Note. If there is a change of the Loan
Services, Borrower will be given written notice of the change which will elate the name and address of the
new Loan Scrvicer, the address in which payments should be made and any other information RESPA
requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is
serviced by a Loan Services other than the purchases of the Note, the mortgage loan servicing obligations
to Borrower will remain with the Loan Services or be transferred to a successor Loan Servicer and are not
assumed by the Note purchaser unless otherwise provided by the Note purchases.
Neither Borrower nor Lender may counnmw, loin, or be joined to any judicial action in either an
individual litigant in the member of a clean) that also from the other patty's actions pursuant to this
Seemly Instrument or that alleges that the other party has breached any provision of, or any duty owed by
ressm of, this Security Instrument, until such Borrower or Lender has notified the other party (with such
notice given in compliance with the requirements of Section 1 S) of such alleged breach and afforded the
other party hereto a reasonable period after the giving of such notice to take corrective action. If
Applicable Law provides a time period which must elapse before certain action can be taken, that time
period will be deemed a be reasonable for purposes of this paragraph. The notice of acceleration and
opportunity to cure given to Borrower pursuant m Section 22 and the notice of acceleration given to
Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective
action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21; (a) "Haeardouus Substances" ere those
substances defined as toxic or hazardous substances, pollmants, or wastes by Environmental Law and the
following subsw»ces: gasoline, kcrmcnc, other flammable or toxic petroleum products, toxic pesticides
and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials;
(b) "Fnvironmental Law" means federal laws and laws of the jurisdiction where the Property is located that
relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response
action, remedial action, or removal action, as defined in Eaviroonuvlal Law; and (d) an "Environmental
Condition" means a condition that can muse, contribute to, or otherwise trigger an Environmental
Cleanup.
Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous
Substances, or threaten m redeem, any Hazardous Substances, on or in the Property. Borrower shall not do,
nor allow anyone else to do, anything affectingg the Property (a) that is in violation of any Environmental
Law, (b) which creates an Environmental Conrktiom, of (c) which, due to the presence, use, or release of a
Hazardous Substance, creates a condition that adversely effects the value of the Property. The preceding
two sentences shall not apply to the preseem uuF a storage on the Property of smell quantities of
Hazardous Substances that are generally recognized to be appropriate to romal residential uses and to
maintenance of the Property (including, but not limited to, hazardous substances in comminer products).
Borrower shall promptly give Lends written notice of (a) any investigation, claim, demand, lawsuit
or otha action by any governmental or regulatory agency or private party involving the Property and my
Hazardous Subaence or Environmental Law of which Borrower has actual knowledge, (b) any
Environmental Condition, including but not limited to, any spilling, leaking, dischargq release or threat of
release of any Hazardous Substage, and (c) any condition unused by the presence, use or release of a
Hazardous Substance which adversely affects the value of the Properly. H Borrower leams, or is notified
by any govemmenal or regulatory anthority, many private party, that any removal or other remediation
of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary
remedial actions in ac iordance with Environmental Law. Nothing herein shall create any obligation on
Lender for an Environmental Cleanup.
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NON -UNIFORM COVENANTS. Borrower and Lender: further covenant and agree as follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following
Borrower's breach of any covenant or agreement In this Smrlty Instrument (but not prior to
acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a)
the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date
the notice is given to Borrower, by which the default mu::t be cured; and (d) that failure to cure the
default on or before the dale specified In the notice may result In acceleration of the sums aecured by
this Security Instrument and sale of the Property. The notice shell further inform Borrower of the
right to reinstate after acceleration and the right to assert in the foreclosure proceeding the
oon-existence of a default or any other defense of Borrower to acceleration and sale. If the default Is
not cared on or before the date specified in the notice, Leader at its option may require immediate
payment In full of all sumo secured by this Security Instrument without further demand and may
Invoke the power of sale and any other remedies permitted by Applicable Lew. Leader shall be
entitled to collect all expenses Incurred In pursuing fire remedies provided in this Section 22,
including, but not limited to, reasonable attorneys' fees and costs of title evidence.
If Lender invokes the power of sale, and If it is determined in a hearing held in accordance with
Applicable Law that Trustee ran proceed to sale, Trustee shall take such action regarding notice of
sale and shall give such notices to Borrower and to other persons as Applicable Law may require.
After the time required by Applicable Law and after publication of the notice of sale, Trustee,
without demand on Borrower, shall sell the Property at public auction to the highest bidder at the
time and place and under the terms designated In the notice of sale in one or more parcels and in any
order Trustee determines. Lender or its designee may purchase the Property at any sale.
Trustee shall deliver to the purchaser Trustee's deed conveying the Property without any
covenant or warranty, expressed or implied. The recitals in the Trustee's deed shall be prima facie
evidence of the truth of the statements made therein. Trustee shell apply the proceeds of the sale In
the following order: (a) to all expenses of the sale, Including, but not limited to, Trustee's fees of
5.000 % of the gross sale price; (b) to all sums secured by this Security Instrument;
and (e) any excess to the person or persons legally entitled to It The interest rate set forth in the Note
shall apply whether before or after any judgment on the indebtedness evidenced by the Note.
23. Release. Upon payment of all sums secured by this Security Instrument, Leader or Trustee shall
cancel this Security Instrument. If Trustee is requested to release this Security Immument, all notes
evidencing debt secured by this Security Instrnumt shell be surrendered to Trustee. Borrower shall pay
any recordation costs. Lender may charge Borrower a fee fm releasing this Security Instrument, but only if
the fee is paid to a third party for services rendered and the charging of the fee is perni0ed under
Applicable Law.
24. Substitute Trustee. Lender may from time to time remove Trustee and appoint a successor
trustee to my Trustee appointed hereunder by an instrument recorded in the county in which this Security
Instrument is recorded. Without conveymm of the Property, the successor trustee shall succeed to all the
title, power and duties conferred upon Trustee herein and by Applicable Law.
25. Attorneys' Fees. Ahmneys' foes must be reasonable.
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BY SIGNING UNDER SEAL BELOW, Borrower accepts and agw; to the tern and mvcalmts
curtained in this Sewrity ITMtIIMint and in my Rider mmaed by Borrower and rewrded with it.
Witnesses:
(Seat)
-Borrower
(Sell])
-Borrower
(Sea[)
-Borrower
(Seal)
Nancy -Borrower
— (sew)
-Borrower
_ (Seal)
-Borrower
(sew)
-Bosrowrr
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Papa 15 of 20
STATE OF NORTH CAROLINA,
1, spa,w;IK;Vs"n
a Notary Public of the Cowry of gzo-w n
certiythat Wayne D Hauck III and Nancy B Hauck
County ee:1 -44Aw
State of North Carolina, do hereby
who is/are known to use or proved to me on the basis of satisfactory r-vidata to be the persou(s) described,
personally appeared before me this day, each acknowledging to me that bdalWthey voluntarily signed the
foregoing instrument for the purpose stated therein, and m the caperity indicated.
Mouses my hand and official seal this 4L 2Ss41% ,my of Ppri1a 2)11
(bel�
My Commission Expires: i • ll -11
SANDRA WILKINSON
NOTARY PUIIUC
ROWAN COUNTY
NOi7rH CAROL117 11
aW Commirtld� Egt it
STATE OF NORTH CAROLINA,
The foregoing certificate of
a Notary Public of the County of
is certified to be correct.
This day of
�QMd.IA_ L)Ja � 1ta_,tteaa.
Nonov Public
State of
Registrar of Docds
BY
Deputy Assistant
County era:
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RECM M
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Page 16 of 20
Exhibit A
Al that certain tract or parcel of land lying and being in Number Seven Township, Craven County, North
Carolina, and being more particularly described as follows:
Being all of Lot Number Eighteen (18) as same is shown and del insisted on a map of Bridge Pointe Harbour,
Phase Two, said map being recorded in Plat Cabinet G, Slide 182-E, in the office of the Register of Deeds of
Craven County, North Carolina, reference to said map being hereby made for a more perfect description of said
property.
Image 10; 00=10pa OW
ll
Image ID: 000p0tPaSge310Tof 20�
sK2996 PAM
(HAUCK, WAYNE CCNST.PFD/11HAUar23.COWS)
RMSWM
EP 10 2014
�v
DCMMNpCfly
Book:2996 Page:423 Seq:16

Page 17 of 20
SECOND HOME RIDER
THIS SECOND HOME RIDER is made this 22 day of 7 �p1
and is incorporated Into and shall be deemed to amend and supplemBnt l6e Mortgage, Deed
of Trust, or Security Deed (the 'Security Instrument') of the same date given by the
undersigned (the *Borrower" whether there are one or more persons undersigned) to secure
Borrower's Note to Branch Banking and Trust Company
(the 'Lender') of the same date and covering the Property describeJ in the Security
Instrument (the "Property"), which is located at:
102 Bridge Pointe Dr
NEW BERN, NC 28562-6458
[Property Address]
In addition to the covenants and agreements made in the Severity Instrument, Borrower
and Lender further covenant and agree that Sections 6 and 8 of !he Security Instrument are
deleted and are replaced by the following:
6. Occupancy. Borrower shall occupy, and shall ont7 use, the Property as
Borrower's second home. Borrower shall keep the Property available for Borrower's
exclusive use and enjoyment at all times, and shall not subject the Properly to any
timesharing or other shared ownership arrangement or to any rental pool or
agreement that requires Borrower either to rent the Property or give a management
firm or any other person any control over the occupancy or use of the Property.
S. Borrower's Loan Application. Borrower shall be in default if, during the Loan
application process, Borrower or any persons or entities acting at the direction of
Borrower or with Borrower's knowledge or consent fine materially false, misleading,
or inaccurate information or statements to Lender (or failed to provide Lender with
material information) in connection with the Loan. Material representations include,
but are not limited to, representations concerning Borrower's occupancy of the
Property as Borrower's second home.
6615538300 7001409899
MULTISTATE SECOND HOME RIDER - Single Family - Fannie MailFroddls Mac UNIFORM
INSTRUMENT
Form 3690 1101 Page 1 of 2 Iniliala:�_
at-36SR(0811) VM P Mortgage Solutions, Inc.[phone]
Imago Ia: 00=19413
17 of OW
2
BK2996 Po439
RECEIVED
SEP 10 2014
Book:2996 Page:423 Seq:17

Page 1e of 20
BY SIGNING BELOW, Borrower accepts anc agrees to the terms and covenants contained
in this Second Home Rider.
WN f (Seat)
Wayne ArHauck II -Borrower Nancy B Ha c -Borrower
-Borrower -Borrower
_ (Seal)
-Borrower
-Borrow er
(Seal) (Seal)
-Borrower -Borrower
6615538300 7001409899
MULTISTATE SECOND HOME RIDER - Single Family - Fannie MaeTraddle Mac UNIFORM
INSTRUMENT Form 3890 1101
et-365R (0811) Page 2 of 2
IMAM 10: 000001Pace to ofTYPo20�
w2996 Pa440
RECEiVEU
SEP 10 2014
r.
a
DCM•MHD Crry
Book:2998 Page:423 Seq:18

Page 19 of 20
CONSTRUCTION LOAN UDER TO
DEED OF TRUST
This CONSTRUCTION LOAN RIDER made this the 22 day of I¢jI, 2MI , is
incorporated in and shall be deemed to amend and supplement the Mortgage, Dud of Trust Or Security Deed (the
"Security Insuument") of the same date given by the undersigned (the "Borrower") to secure
Borrower's note (the "Note") to Branch Banking and Trust Comp.arty
,a NORTH CAROLINA
banking corporation (the "Lender") of the same date covering the property described in the Security Instrument and
located at:
102 Bridge Pointe Dr, NEW BERN, NC 28562-6458
(Property Address)
Additional Provisions. In addition to the covenants and agreements made in the Security Instrument,
Borrower and Lender further covenant and agree as follows:
Pursuant to the provisions of Section 45-67 a seq. of the North Carolina General Statutes, this Security
Instrument secures the payment of debt evidenced by the Note and includes present and funtre advances. The cumem
dollar amount of the debt outstanding on the date hereof is Nome
Dollars (if none, so state). The maximum
principal amount secured by the Security Instrument is $ 250.000.00 . No execution of a written
instrument or notation shall be necessary to evidence or secure any future advances made hereunder. The period
within which future advances are to be mode shall be the fifteen -year period beginning on the date of this
Construction Loan Rider.
The Borrower has on the date hereof executed a Construction Loan Agreencint, the terns of which are
incorporated herein by reference as if set forth fallowing. Any default in the terns, conditions, covenants or
Provisions of the Construction Loan Agreement executed by Borrower and Lender shall constitute a default under
the terns of this Security hatnunent. In the event of such default, Lender may, a its option, require immediate
payment in full of all sums secured by the Security Instrument and this Rider.
If any person, corporation or other entity including without limitation the Federal Home Loan Mortgage
Corporation or the Federal National Mortgage Association but excluding Lender (or an Affiliate or Subsidiary of
Lender as deemed in 12 U.S.C-S. 1841) buys all or some of the Lenders rights under the Security Instrument and
Note, (said assignee herein "Third Party") the terra, promises and agreements in this Riderwill non longer have any
fume or efect, except for those terra above which are necessary to ensure the priority and efrectiveness of the
Lenders lien, which shell not be affected by any such sale. Without in any way limiting the foregoing, the Borrower
shall not have an option under this Security Instrument to borrow additional funds secured hereby from the Lender
or from the Third Party upon purchase of all or some of the Lenders right under the Security Instrument and None by
the Third Party. Notwithstanding the foregoing provisions, the ability of the Lender, its succesmrs and assigns, to
enforce the repayment of future advances made prior to the sale of the Security instrument to the Fedem Home
Loan Mortgage Corporation or any other Third Parry shall remain in full force and effect.
IINAIYPoIBfI61PYI 11 W Itl1AlAgl1M
7001409899 Image 10: 00000194183B Tvpe: CRP
1111}INC iasat Pace 19 of 20 66 00
ax2996 pg441
RECEIVED
i
"
SEP 10 2014
r
DCM-MHD CITY
Book:2996 Page:423 Seq:19

Papa 20 of 20
By signing below, Borrower accepts and agrees to the term and covenants contained in the Construction
Loan Rider.
IN WITNESS WHEREOF, each Borrower has affixed his Hand and adopted u his seal the word "SEAL"
appearing beside or near his signatti a the day and year first above written.
Wayne O uck Itl •Boaower D lanrry B Hau-11o,owa
_(Sal) (Sul)
-Burrower .8.
IMge I0: 00=1041:39 Type: 011P
Panes 20 of 20
BK2996 Po442
70014M99 6615538300
0110.2NC soon •wu✓r
RECEIVED
SEP 10 2014
DCM-MAD CITY
Book: 2996 Page:423 Seq: 20

North Carolina
Pat McCrory
Governor
The Sun Journal
Legal Advertisement Section
P.O. Box 1149.
New Bern, NC 28563
NCDENR
Department of Environment and
Division of Coastal Management
Re: Public Notice —Wayne Hauck
Dear Sir:
Braxton C. Davis
Director
Natural Resources
John E. Skvarla, III
Secretary
December 1, 2014
Please publish the attached Notice in the December 10, 2014 issue of the Sun Journal.
The State Office of Budget and Management requires an original Affidavit of Publication prior to
payment for newspaper advertising. Please send the affidavit, an original copy of the published
notice, and an original invoice to Arthur Stadiem, NC Division of Coastal Management, 400
Commerce Avenue, Morehead City, North Carolina 28557, Telephone [phone].
Thank you for your assistance in this matter. If you should have any questions, please contact me at
our Morehead City office.
Sincerely,
Brad Connell
Coastal Management Representative
Enclosure
cc: Daniel Govoni
Roy Brownlow
400 Commerce Ave., Morehead City, NC 28557
Phone: [phone] FAX: [phone] Internet: www.nccoastalmanagement.net
An Equal Opportunity\AHirmabve Action Employer

NCDENR
North Carolina Department of Environment and Natural Resources
Division of Coastal Management
Pat McCrory - Braxton C. Davis John E. Skvarla, III
Governor Director Secretary
NOTICE OF FILING OF
APPLICATION FOR CAMA MAJOR
DEVELOPMENT PERMIT
The Department of Environment and Natural Resources hereby gives public notice as required by NCGS 113A-
119(b) that application for a development permit in an Area of Environmental Concern as designated under the CAMA
was received on November 14, 2014. According to said application, Mr. Wayne Hauck proposes to construct a docking
facility within the Trent River, at 102 Bridge Pointe Drive, in New Bern. A copy of the entire application may be
examined or copied at the office of Brad Connell, NC Division of Coastal Management, located at 400 Commerce
Avenue, Morehead City, NC, [phone] during normal business hours.
Comments mailed to Braxton C. Davis, Director, Division of Coastal Management, 400 Commerce Avenue,
Morehead City, N.C. 28557, prior to January 1, 2015, will be considered in making the permit decision. Later comments
will be accepted and considered up to the time of permit decision. Project modification may occur based on review and
comment by the public and state and federal agencies. Notice of the permit decision in this matter will be provided upon
written request.
PUBLISHED ON: December 10, 2014
400 Commerce Ave., Morehead City, NC 28557
Phone: [phone] FAX: [phone] Internet: www.nccoastalmanagement.net
An Equal Opportunity 1 Affirmative Action Employer

Fax Send Report
Date/Time DEC-01-2014 04:11PM MON
Fax Number
Fax Name DCM MHDCTY
Model Name SCX-5x30 Series
No. Name/Number
StartTime Time Mode
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North Carolina Department of Environment and Natural Resources
Division of Coastal Management
Pat McCrory, Governor
Date: June 4, 2014
Applicant Name: —Otis Hauck
Address:_] 02 Bridge Point Dr New Bern, NC 28562
I certify that I have authorized (agent): Foley Contractors to act on my behalf, for the purpose of
applying for and obtaining all CAMA permit necessary to install or construct.
(activity) DockBoathouseBoatlift at (location) _Same
This certification is valid thru (date)
Dan Foley Contractor
1810 Old Airport Rd
New Bern, NC 28560
252-636-2515
rD
RECEIVED
EP10 2014
CM -mini CITY
400 Commerce Ave. Morehead City, NC 28557
Phone: [phone]/Fax [phone]/Internet: www.nccoastalmanagement,net

0
Pat McCrory, Governor
Date: June 4, 2014
Applicant Name: —Otis Hauck
Address:_102 Bridge Point Dr New Bern, NC 28562
S
I certify that I have authorized (agent): Foley Contractors to act on my behalf, for the purpose of
applying for and obtaining all CAMA permit necessary to install or construct.
(activity) Dockfr /Boatlift at (location) _Same
This certification is valid thru (date) (1) year
Dan Foley Contractor
1810 Old Airport Rd
New Bern, NC 28560
252-636-2515
fi
400 Commerce Ave. Morehead City, NC 28557
Phone: [phone]/Fax [phone]/lntemet:
RECEIVED
Nov t A 20
DCM-WG Q"

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torHflow No. 0000046.72-00%
DEED OF TRUST
Return To: Eeff
Prepared By: Sbesieri X pyTF PkbwW at Tau
IN111111111111111
Bs orded: dW0//26 20142atT12B39C58 PM
"a Ant: i97.00 pap• 1 of 20
WerkfI.W# 000004a972-W01
Craven, Nc
Sherri B. Richard Register of Deods
eK2996 Pi423
MrK 100159966155383002
DEFINITIONS
Words used in multiple sections of this document are defined below and other words are defined in
Sections 3, 11, 13, IS, 20 and 21. Certain rules regarding the tFsige of words used in this document are
also provided in Section 16.
(A) "Security Instrmmegt"means this document, which is date) Alri.l 22, 2011 ,
together with all Riders to this document.
(B) "Borrower"is Wayne 0 Hauck III and Nancy 8 Hauck, hlalsd afd wife
Borrower is the mistor under this Security instrument.
(C)"Lender"is Branch Banking and Trust Company
Lender is a Corporation
organized and existing under the laws of NORTH CAROLINA
Lendeesaddreasis 223 West Nash Street, Wilson, NC 27893
(C-1) The name of the Mortgage Broker is
aalsssuos J1 toouosess
NgiTICARK I-Wgknosh FukMWF61* MSUNIFoNM INSTRUMFHT WITH ME0.t-a 07.M � Fw 9E3t 1N1
VMPOW.a. VW%.. 4�ren Mlub VMp rrMt101I
NNI,
RETURN TO:
STEVEN K . BELL
P.O. BOX 1355
NEW BERN, NC 28563
itBCt;14 t
RECEIVED
SEP 10 2014
NOV 14 2014
DCM-MHD CITY DC2/ Phl'�i C1d Y
COPY
Book:2996 Page:423 Seq:1

Page 2 of 20
(D)^rrustee"is Frances Jones
(E) 'TIERS" is Mortgage Electronic Registration Systems, Inc. MERE 'e; a separate corporation that is
acting solely as a nominee for Lender and Lender's successors and assi pa. MERS is the benefaelary
under this Security lextrumeat MERS is organized and existing under I ne laws of Delaware, and has an
address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, rd. (888) 679-MERS.
(F)'Tlote"mcaus the promissory note signed by Borrower and dated as of the date hereof
The Note states that Borrower owes Lender Two Hundred Fifty Thousand And Zero/100
Dollars
(U.S. $ 250, 000.00 ) plus interest. Borrower has promiv d to pay this debt in regular Periodic
Paymarb and to pay the debt in full not later than May 01, 2027
(G) "Property" means the property thm is described below under a le heading "Transfer of Rights in the
Property,"
(if) "Loan" means the debt evidenced by the Note, plus interest, :,ny prepayment charges and late charges
due under the Note, and all was due under this Security Instnmte ot, plus interest.
(1) '16ders" means all Riders to this Security Instrument that are executed by Borrower. The following
Riders are to be "=led by Bormwer [check box as applicable]:
Adjustable Rate Rider ❑ Condominium Rider ® Second Home Rider
Balloon Rider Planned Unit Development Rider ❑ 14 Family Rider
d vA Rider F1 Biweekly Payment Rider ® Otha(s) [specify]
Constr/Perm Rider
(J) "Applicable Law" means all controlling applicable federal, state and local Mauna. regulations,
ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final,
non -appealable judicial opinions.
(IQ "Community Association Dues, Fees, and Assewments" means all dues, fees, assessmrnis and other
charges that are imposed on Borrower or the Property by a condominium association, homeowners
association or similar organization.
(L) 'Tieclranic Funds Transfer" means any transfer of Funds, other than a transaction originated by
check, drug, or similar paper instrument, which is initiated through an electronic terminal, telephonic
instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit
or credit an account Such term includes, but is not limited to, point-ofazla transfers, automated teller
machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse
transfers.
(M) "Escrow Items" means those items that we described in Section 3.
(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid
by any third parry (other than insurance proceeds paid under the coverages described in Section 5) for: (i)
damage to, or destruction of, the Property; (ii) condemnation or other taking of all many part of the
Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, a omissions as to, the
value and/or condition of the Property.
(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on,
the loan.
(P) 'Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the
Note, plus (ii) any amorous under Section 3 ofthis Security Instrument.
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Pape 3 of 20
(Q) "RESPA" mearss the Reel Estate Settlement Procedures Act (12 U.S.C. Section 2601 u seq.) and its
implementing regulation, Regulation X (24 C.F.R. Part 5500), as they inight be amended from time to
time, or any additional or successor legislation m regulation that governs der same subject matter. As used
in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard
to a "federally related mortgage loan" even if the Loan does not qualify n a "federally rotated mortgage
loan" under RFSPA.
(R) 'Successor in Interest of Borrower" means any party that has In'= title to the Property, whether or
not that party has assumed Borrower's obligations under the Note and/or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
The beneficiary of this Security Irstrmnun is MERS (solely as nominee for Lender and Lenders
successors and assigns) and the successors and assigns of MERS, This Security Instusent secures to
Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and
(it) the performantt of Eortowees covenants and agreements under this Security Instrument and the
Note. For this purpose, Borrower irrevocably grants and convey-. to Trustee and Trustee's successors and
assigns, in trust, with power of sale, the fallowing described property located in the
County of CRAVEN
(Type of Recording Jurist ictionj [Nam of Recording Jurisdiction]
9e'7TiM'cr a.,uu -
Parcel ID Number: 7-002-1-018 which currently has the address of
102 Bridge Pointe Dr [Street]
NEW BERN [City), North Cuolina28562- 6458[Zip Code]
("Property Address"):
TO HAVE AND TO HOLD this property unto Trustee and Trustee's successors and assigns, forever,
together with all the improvetne nts now or hereaft erected on the property, and all easements,
appurtenances, eod fixtures now err hereafter a part of the property. All replacement; and additions shall
also be towered by this Security Instrument. All of the foregoing is referred to in this Security Instrument
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w2996Po425
RECEIVED
Nov 1 A ?M
DCM-MHD CITY
COPY
Book:2996 Page:423 Seq:3

Page 4 of 20
as the "Properly." Borrower understands and agrees that MERS holds only legal title to the interests
granted by Borrows in this Security instrument, but, if necessary to comply with law or custom MERS
(as nominee for Lender and Lenders successors and assit ns) has the right: to exercise any or all of thou
interests, including, but not limited to, the right to foreshore and sell the Property; and to take any action
required of Lends including, but not limited to, releasing and canceling this Security Instrument.
BORROWER COVENANTS that Borrower is lawfully wised of the estate hereby conveyed and has
the right to grant and convey the Property and that the Property is tursmunbered, ucept for encumbrances
of record. Borrower warrants and will defend generally the title to the Properly against all claims and
demands, subject many encumbrances of record.
THIS SECURITY INSTRUMENT combines; uniform covenant for national use and non -uniform
covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real
property.
UNIFORM COVENANTS, Borrower and Lender covenant and agree as follows:
I. Payment of Principal, Interest, Escrow Iterma, Prepayment Charges, and Late Charges.
Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any
prepayment charges and late charges due under the Note. Borrows shall also pay funds far Escrow Items
pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S.
currency. However, if any check or other instrument received by Leads as payment order the Note or this
Security Instrument is returned to Lender unpaid. Lender may require that any or all subsequent payments
due under the Note and this Security Instrument ant be made in one or more of the following forms, as
selected by Lander: (a) cash; (b) money order; (c) certified check, bank check, treasurers check or
cashier's chc* provided any such check is drawn upon an institution whose deposits are insured by a
federal agency, instrumentality, or entity, or (d) Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location designated in the Note or at
such other location ac may be designated by Lends in accordance with the notice provisions in Section 15.
Tender may return any payment m partial payment if the payment or partial payments are insufficient to
bring the Loan current. If Borrower has breached any covenant or agreement in this Security Instrument
and Lender has accelerated the obligations of Burrows hereunder pursuant to Section 22 the Lender may
accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights
hereunder or prejudice to its rights to refuse such payment err partial payments in the future, but Lender is
not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is
applied as of its scheduled due date, than Linder reed not pay interest on unapplied fund& lends may
hold such uospplied funds until Borrower makes payment to bring the Loan content. If Barrows data not
do so within a reasonable period of time, Lender shall either apply such funds m return them to Borrows.
If not applied earlier, such funds will be applied to the outstanding principal balance under the Note
immediately prim to mreclosure. No offset or claim which Borrower might have now or in the future
against Lender shall relieve Boarower from raking payments due under the Note and this Security
Instrunnsn or performing the coverants and agreements secured by this Security Instrument.
2. Application or Payments or Proceeds. Except as otherwise described in this Section 2, all
payments accepted and applied by Lender shall be applied in the following Order of priority: (a) interest
due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments
shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts
shall be applied first to late charges, second many other amounts doe under this Security Instrument, and
than to reduce the principal balance of the Note.
If Lends receives a payment from liorrawer for a delinquent Periodic Payment which includes a
sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and
the late charge If more than one Periodic Payment is outstanding, Leader may apply my payment received
from Borrower to the repayment of the Periodic Psymems if, and to the extent that, each payment can be
paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or
more Periodic Payments, such excess may be applied many late charges due. Voluntary prepayments shall
be applied first to any prepayment charges end then a t described in the Note.
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ex2996 P426
Book:2996 Page:423 Seq:4

Page 5 of 20
Any application of payments, insurance procee K or Miscellaneous Proceeds to principal due under
the Note shall nut extend or postpone the due date, or change the amount, of der Periodic Payments.
3. Funds for Escrow frame. Borrower shall p.ry to Lerida on the der Periodic Payments are due
under the Note, until the Note is paid in full, a sum (,he "Funds") to provide: for payment of amounts due
for. (a) taxes and assessments and other items which tan main priority over this Security Instrument as a
lien or encumbrance on the Property; (b) leasdmld payments or ground reds on the property, if any; (c)
premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Iresurmm
premiums, if my, or any sums payable by Borrower to Lender in li % of the payment of Mortgage
Insurassce premiums in accordance with the provisimis of Section to. These items are called "Escrow
Items." At origination or at any lime during the torn of the Loan, Le oder may require that Community
Association Dues, Fees, and Assessments, if any, be escrowed by t oaower, and such dues, fees and
assessments shalt be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to
be paid undo this Section. Borrower shall pay Lerida the Foods for Escrow Items unless Lerida waives
Borrower's obligation to pay the Funds for any or all Escrow It ma. Lerida may waive Borrower's
obligation to pay to Lerida Foods for any or all Escrow Items at an y time. Any such waiver may only be
in writing. In the event of such waiver, Borrower shrill pay directly, when and where payable, the amounts
due for any Escrow Items for which payment of Funds has been waved by Lender and, if Lerida requires,
shall furnish on Lender receipt evidencing such payment within s,. h time period as Lender may require.
Borrowers obligation to make such payments and to provide rcer ipts shall for all purposes be deemed to
be a covenant and agreement contained in this Security Instrument. as the phrase "covermd and agreement"
is used in Section 9. If Borrower is obligated to pay Escrow, hmss directly. Pursuant to a wave, and
Borrower fails to pay the moment due for an Escrow Item, Lend o may exercise its rights under Section 9
and pay such ammmt and Borrows shall then be obligated under Section 9 to repay to Lender any such
amount lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in
accordance with Section 15 and, upon such revocation, Form xer shall pay to Lender all Funds, and in
such amounts, that are then required under this Section 3.
Lender may, at my time, collect and hold Funds in an amount (a) sufficient to permit Lmdcr to apply
the Foods at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can
require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and
reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable
Law.
The Foods shall be held in an institution whose deposits are insured by a federal agency,
instrumentality, or amity (including Lender, if Lender is an institution whose deposits are so insured) or in
any Federal Home Lou Bank. Lerida shall apply the Funds to pay the Escrow Items no later than the time
specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually
analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Bortewer interest on the
Funds and Applicable law permits Lender to make such a charge. Unless an agreement is made in writing
or Applicable Law requires interest to be paid on the Funds, Lerda shall not be required In pay Borrower
my interest or earnings on the Funds. Borrower and Lerida can agree in writing, however, that interest
shall be paid on the Funds. Leda shall give to Borrower, without charge, an annual accounting of the
Funds as required by RESPA.
If there is a surplus of Foods held in escrow, as defined under RESPA, Lender shall account to
Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow,
as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay m
Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12
monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lade shall
notify Borrower as required by RESPA, and Borrows shall pay to Lender the amount necessary to make
up the deficiency in accordance with RESPA, but in no more than 12 monthly payments.
Upon payment in full of all sums sawed by this Security Insmlment, Lerida shall promptly refund
to Ibrrower my Funds held by Lerida.
4. Charges; Lieu. Borrower shall pay all taxes, assessments, charges, fines, and impositions
attributable to the Property which can attain priority over this Security 6ausment, leasehold payments or
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RECEIVED
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COPY
Book:2996 Page:423 Seq: 5

Page 6 of ZO
ground rents on the Property, if any, and Community Association Does, I =, and Assessments, if any. To
the extent that these items are Escrow Items, Borrower shall pay than in the masher provided in Section 3.
Borrowa shall promptly discharge my lien which has priority ova this Security Instrument unless
Borrower: (a) agras in writing to the payment of the obligation secured by the lien in a manner acceptable
to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith
by, or defends against eafmcmusim of the Jim in, legal proceedings which in Lender's opinion operate to
Prcvem the enforcement of the lim while chase proceedings are pending, but only until such proceedings
are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating
the lim to this Security Instrument. If Lender determines that my part of the Property is subject to a lien
which can attain priority ova this Security Instrument, Lender may give Borrower a notice identifying the
lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lice in take one or
more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or
reporting service used by Linda in connection with this Loan.
S. Property Innranee. Borrower shall keep the improvements now existing or hereafter erected on
the Property insured against loss by fire, hazards included within the term "extended average," and my
other hazards including, but not limited to, earthquakes and Floods, for which Lender requires insurance.
This insurance shall be maintained in the amounts (including deductible levels) and for the periods that
Lender requires What Leach requires pursuant to the preceding s ntences can change during the term of
the Loan The insurance carrier providing the insurance shall be chosen by Borrower subject to Lader's
right to disapprove Borrower's choice, which right shall not be exercised mumsonabiy. Lender may
require Borrower to pay, in connection with this Low either: (a) a one-time charge for Flood zone
determination, certification and cracking seniors; or (b) a one-time charge for flood zone determination
and certifrwtion services and subsequent charges each time remappings or similar changes occur which
reasonably might affect such determination or eatifiwtim. Borrower shalt also he responsible for the
payment of my fees imposed by the Federal Emergency Management Agency in connection with the
review of my flood zone determination resulting from an objection by Borrower.
If Borrower fails to maintain any of the coverages described above, Linda may obtain Insurance
coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase my
particular type or amount of average. Therefore, such coverage shall cover Linda, but might or might
not protect Borrower, Borrower s equity in the Properly, in the contents of the Property, against my risk,
hazard Or liability and might provide greater or lesser average than was previously in effect. Borrower
acknowledges that the cost of the insurance average so obtained aught significantly exceed the cost of
insurance that Borrower could have obtained. Any amounts disbursed by Linder under this Section 5 shall
become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest
at the Note rate from the date of disbursement aid shall be payable, with such interest, upon notice from
Lender to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject no Lenders
right to disapprove such policies, shall include a standard mortgage clause, and shall name Lenda as
mortgagee mdf m as an additional loss payee. Lender shall have the right to hold the policies and renewal
certificates. If lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and
renewal notices. If Borrower obtains my form of insurance coverage, not otherwise required by Lender,
fen danage to, or destruction of, the Property, such policy shall include a standard mortgage clause and
shall more Lender as mortgagee and/or as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance curia and Lender. Lender
may make proof of lose if not made promptly by Borrower. Unless Lender and Borrower otherwise agree
in writing, my insurance proceeds, whether or not the underlying insurance was required by Lender, shall
be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and
[.order's security is not lessened. During such repair and restoration period. Lenda shall have the right to
hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the
work has been completed to Lenders satisfaction, provided that such inspection shell be undertaken
promptly. Lender may disburse proceeds for the repairs and restocatia in a single payment or in a series
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of progress payments as the work it completed. Unless an agreement is made in writing or Applicable Law
requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any
interest or earnings on such procedc Fees for public adjusters, or other third parties, retained by
Borrower stroll not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If
the restmation or repair is not economically feasible or Lender's security would be lessened, the insurance
proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with
the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in
Seaton 2.
If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance
claim and related matters. If Borrows does not respond within 30 days to a notice from Lads that the
insurance carrier has offered to settle a claim, then Lander may negotiate and settle the claim. The 30-day
period will begin when the notice is given. in either event, or if Linda acquires the Property under
Section 22 or otherwise. Borrower hereby assigns to Lender (a) Borrower's rights to any insurance
proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Immament, and
(b) any other of Borrower's rights (other than the right to any refund of mKmned premiums paid by
Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the
coverage of the Property. Lenda nay use the insurance proceeds either to repair or restore the Property err
to pay amounts unpaid under the Note or this Security Instrument, whether or not then due.
6. Occupancy. Borrower shall occupy, establish, and use the Property sus Borrowers principal
residence within 60 days after the execution of this Security Instrument and shall continue to occupy the
Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender
otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating
circumstances exist which are beyond Borrower's control.
7. Preservaton, Maintenenoe and Protection of the Properly; Inepectlona Borrower shall not
destroy, damage or impair the Property, allow the Properly to deteriorate or commit waste on the
Property. Whether or font Borrower is residing in the Property, Borrower shall maintain the Property in
order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is
determined pursuant to Section 5 that repair or restoration is not economically feasible, Boaower shall
promptly repair the Property if damaged to avoid further deterioration or damage. If insurance Or
condemnation proceeds are paid in connection with damage to, or the taking ol; the Property, Borrower
shall be responsible for repairing or minting the Property only if Lender has released proceeds for such
purposes. Lender may disburse proceeds fm the repairs and restoration in a single payment or in a series of
progress payments as the work is completed. if the insurance or condemnation proceeds are not sufficient
to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of
such repair or restoration.
Lends or its agent may make reasonable entries upon and inspections of the Property. If it has
reasonable cause, Linder may inspect the interior of the improvements on the Property. Lender shall give
Borrower notice at the brae of m prior to such an interim inspection speafying such reamnable cause.
S. Borrower's Loan Application. Borrower shall be in default if, during the Loan application
process. Borrower or my persons or entities acting at the direction of Borrower or with Botrowa's
knowledge Or consent gave materially false, misleading, or inaccurate infomation or statements to Lender
(or failed to provide Lender with material information) in connection with the Loan. Material
representations include, but are not limited to, representations concerning Borrower's occupancy of the
Property as Borrower s principal residence.
9, Protection of Lender's Interest in the Property and Bights Under this Security Instrument If
(a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) them
is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under
this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for
enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or
regulations), or (c) Borrower bas abandoned the Property, then Linda may do and pay for whatever is
reasonable or appropriate to protect Lender's interest in the Property and rights under this Security
Instrument, including protecting and/or assessing the value of the Property, and sttlming and/or repairing
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Book:2996 Page:423 Seq:7

Pager S of 20
the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien
which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable
anameys' foes to protect its interest in the Property andi or rights under this Security Instrument, including
its secured position in a bankruptcy proceeding. Save iag the Property includes, but is not limited to,
entering the Property to crake repairs, change locks, rel dace or board up doors and windows, drain water
from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned
on or off. Although Lender may take action under this 1. ration 9, Lender does not have to do an and is not
under any duty or obligation to do so. It is agreed that I -ender incurs no liability for not taking any Or all
actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower
secured by this Security Instrument. These amounts skill bear interest at the .cote rate from the date of
disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting
payment.
If this Security Instrument is on a leasehold, Borrower shall coly -vith all the provisions of the
lease. If Borrower acquires fee title to the Property, the leasehold and the rx title shall not merge unless
Lender agrees to the merger in writing.
10, Mortgage Insurance. if Lender required Mortgage Insurance as a condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Ins stance in effed. If, for any reason,
the Mortgage Insurance coverage required by Lender ceases to be available fran the mortgage insurer that
previously provided such insurance and Borrower was required to trdre separately designated payments
toward the premiums for Mortgage Insurance, Borrower shall pa/ the premiums required to obtain
coverage substantially equivalent to the Mortgage Insurance previc rely in effect, at a cost substantially
equivalent to the east to Borrower of the Mortgage Insurance previously in effect, from an alternate
mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not
available, Borrower shall continue to pay to Lender the amount o the separately designated payments that
were due when the insurance coverage ceased to be in effect. 'Lender will accept, use and retain these
payments a a non-refundable loss reserve, if permitted under Applicable Law, in lieu of Mortgage
Insurance. Such loss, reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately
paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss
reserve, if permitted under Applicable Law. lender can ri r longer require loss reserve payments if
Mortgage Insurance coverage (in the amount and for the p siod that Lender requires) provided by an
insurer selected by Lender again becomes available, is obtain A, and Lender requires separately designated
payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a
condition of making the Loan and Borrower was required to make separately designated payments toward
the premiums for Mortgage insurance, Borrower shall pal the premiums required to maintain Mortgage
Insurance in effect, if permitted under Applicable law, or to provide a non-refundable less reserve, until
lender's requirement for Mortgage Insurance ends in accordance with any written agreement between
Borrower and Leader providing for such termination ,r until termination is required by Applicable Law.
Nodhing in this Section 10 affeds Borrower's obligation to pay interest at the rate provided in the Note.
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it
may incur if Borrower does not repay the Loan in agreed. Burrower is not a party to the Mortgage
Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may
enter into agreements with other pasties that share or modify their risk, or reduce losses. These agreements
are on terns and conditions that are satisfactory to the mortgage insurer and the other party (a parties) to
these agreements. These agreements may require the mortgage insurer to make payments using any source
Of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage
Insurance premiums).
As a result of these agreements, Lender, any purchaser of the Note, another insurer, any remsnrer,
my other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that
derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in
exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement
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provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the
premiums paid to the insurer, the arrangement is often termed ".sptive reitrsmanm" Further:
(a) Any such agreements will not affect the annuals that Borrower has agreed to pay for
Mortgage lusurance, or any other terms of the Loan. Such agreements will not incmnt the amount
Harrower will owe for Mortgage Inmrsmce, and they will not entitle Borrower to any refund.
(b) Any such agreements will not affect the rights Borrower has - If any - with respect to the
Mortgage Insurance under the Hammonton Protection At t of 19911 or any other law. These rights
may include the right to receive certain dlaclosum, to request and obtain cancellation of the
Mortgage Insurance, to have the Mortgage Insurance tern insted automatically, and/or to receive a
refund of any Mortgage Insurance premiums that were euearned at the time of such cancellation or
termination.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and shall be paid in Lender.
if the Property is damaged, such Miscellaneous Procee h shall be applied to restoration or repair of
the Property, if the restoration or repair is economically feasible and Lender's security is not lessened.
During such repair and restoration period, Limiter shall have the right to hold such Miscellaneous Proceeds
until Lender has had an opportunity to inspect such Property to ensure the work has been completed to
Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay far the
repairs and restoration in a single disbursement or in a series of progress payments as the work is
completed. Unless an agreement is nude in writing or Applicable Law requires imerest to be paid on such
Miscellaneous Proceeds, Sender shall not be required to pay Borrower say interest or eaoings on such
Miscellaneous Proceeds. If the restoration or repair is not ecwomically feasible or Lenders security would
be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
whether or not then due, wilb the excess, if my, paid to Burrower. Such Miscellaneous Proceeds shall be
applied in the order provided for in Section 2.
In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous
Proceeds shall be applied to the in = secured by this Security Instrument, whether or not then due, with
the excess, if my, paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is equal to or
greater than the amount of the sums secured by this Security Instrument immediately before the partial
taking, de mi otion, or loss in value, unless Borrower and Leader otherwise agree in writing, the sums
secured by this Security Instrument shell be reduced by the smmmt of the Miscellaneous Proceeds
multiplied by the following fraction: (a) the total woman of the sums secured immediately before the
partial taking, destruction, or loss in value divided by (b) the fair market value of the Property
immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is less than the
amount of the Barns secured immediately before the partial taking, destruction, car loss in value, unless
Borrower and Leader otherwise agree in writing, due Miscellaneous Proceeds shall be applied to the sums
secured by this Security Instrument whether or not the sums are than due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the
Opposing Party (as defined in the next sentence) often to snake an award to settle a claim for damages.
Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized
to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the
sums secured by [his Security Instrument, whether or not than due. "Opposing Party" means the third party
that owes Borrower Miscellaneous Proceeds or the party ageima whom Borrower has a right of aeon in
regard to Miscellaneous Proceeds.
Borrower shall be in default if my action or proceeding, whether civil or criminal, is began that, in
Lender's judgment, could result in forfeiture of due Property or other material impairment of Lenders
interest in the Property or rights under this Security Instrument Borrower can eve such a default and, if
acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be
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Book: 2996 Page:423 Seq:9

Page 10 of 20
dismissed with a ruling that, in Lender's judgment, precludes forf eiturc, of the Property or other material
impairment of Lender's interest in the Property or rights under fts Security Instrument. The proceeds of
any award or claim for damages that are attributable to the impaim tent of Lender's interest in the Property
are hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to r ount ion or repair of the Property shall be
applied in the order provided for in Section 2.
12. Ha rower Not Released; Forbearance By Leader Nr,t a Walva. Extension of the time for
payment or modification of anmtimtion of the sums secured by tlds Security Instrument granted by Lender
to Borrower a any Successor in Interest of Borrower shall not axnde to release the liability of Borrower
or any Successors in Interest of Borrower. Lender shall not be r aquired to commence proceedings against
my Successor in Interest of Borrower or to refuse to anent, time fa payment Or otherwise modify
amortization of the sum secured by this Security Instrument by :m n of any demand made by the original
Borrows or any Successors in Interest of Borrower. Any fabarance by Lender in exercising any right or
remedy including, without limitation, Lender's acceptance at payments from third persons, entities or
Successors in Interest of BeroWer of in amounts leas than the t mount then due, shall not be a waiver of or
preclude the exact= of any right or remedy.
13. Joint and Several Liability; Cosiguen; Succler ms and Assigns Bound. Borrower covenants
and agrees that Borrower's obligations and liability shall be jo int and several. However, say Borrows who
co-signs this Security Instrument but does not execute the Note (a "C6sigual ): (a) is co-signing this
Security Instrument only to mortgage, grant and convey the cosigner's interest in the Property under the
terms of this Security Instrument; (b) is not personally oblil;ated to pay the arms secured by this Security
Instrument, and (c) agrees tit Lender and any other Hurrswer call agree to extend, modify, forbear or
make any accommodations with regard to the terms of thi-: Security Instrument or the Note without the
cosigner's consent.
Subject to the provisions of Section 18, any Suaxssor in Interest of Borrower who assumes
Borrowers obligations under this Security Instrument in writing, and is approved by Lends, shell obtain
all of Borrower'a rights and benefits mder this Security h.dmment. Borrower shall not be released from
Borrewces obligations and liability under this Security Instrument unless Lender agrees to such release in
writing. The covenants, and agreements of this Security Instrument shall bird (except as provided in
Section 20) and benefit the successors and assigns of lends.
14. Loan Charges. Leader may charge Borrows fee+ for services performed in connection with
Botrowee s default, for the purpose of protecting Leader's interest to the Property and rights under this
Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees.
In regard to any other foes, the absence of exprus mthority it, this Security Instrument to charge a specific
fee to Borrower shall not be construed as a prohibition m the charging of such fee. Lender may not charge
fees that are expressly prohibited by this Security Inatrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan chargea, and that law is finally interpreted so
that the interest or other loan charges collected a to be collected in connection with the Loan exceed the
Permitted limits, then: (a) my such loan charge shall be reduced by the amount necessary to reduce the
charge to the permitted limit; and (b) my an= already collected from Borrower which exceeded permitted
limits will be refunded to Borrower. Lends may choose to make this refund by reducing the principal
owed under the Note or by making a direct payment to Borrower. If a refmd reduces principal, the
reduction will be treered ea a partial prepayment without any prepayment charge (whether or act a
prepayment charge is provided for order the Note). Borrower's acceptance of my such refund made by
direct Payment to Borrowa will constitute a waiver of any right of action Borrower might have arising out
of such overcharge.
15. NaHeu. All notices given by Borrows or Lander in connection with this Security Instrument
most be in wailing. Any notice to Borrower in connection with this Setxrity Instrument shill be deemed o
have been given o Borrows when mailed by first class mail or when actually delivered to Borrower's
notice address if sent by other mean. Notice to any one Borrower shall constitute notice to all Borrowers
unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address
unless Borrower has designated a substitute notice address by notice to Lender. Bcarmwer shall promptly
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notify Lender of Borrowe's change of addre:.s. If Lender specific: a prucedure, for reporting Borrower's
change of address, then Borrower shall only r: port a change of aches through that specified procedure.
There my be only one designated notice address under this :tau ity Instrument at any one time.
Any notice to Lender shall be given by delivering it or by trailing i, by first class mail to Lender's address
stated herein unless Lender has designated mother address by n ,uce to Borrower. Any notice in
ciu ection with this Security Instrument shall not be domed to hav : been given to Lender until actually
received by Lender. If my notice required by this Security Instrun•ent is else required under Applicable
Law, the Applicable law requirement will satisfy the muesponding requirement under this Security
htslrummit.
16. Governing Law; Severabllity; Rules of Comtruetik.n. This Security Instrument shall be
governed by federal law and the law of the jurisdiction in whie., the Property is located. All rights and
obligations contained in this Security Instrument are subject to any requirements and limitations of
Applicable Law. Applicable Law might explicitly or implicitly Alow the parties to agree by contract or it
might be silent, but such silence shall not be construed as a pr, Ibibition against agreement by contract. In
the event that my provision or clause of this Security Instrun,uat m the Note conflicts with Applicable
Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be
given effect without the conflicting provision.
As used in this Security Instrument (a) words of the masculine gender shall intent and include
corresponding neuter words or winds of the feminine grads; (b) words in the singular shall mean and
include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to
take any action.
17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument.
18. Transfer of the Property or a Beneficial Into eat In Borrower. As used in this Section 18,
"Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited
to, those beneficial interests transferred in a bond for deal, contract for deed, installment sales contract or
escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser.
If all or any par of the Property many Interest in the Property is sold or transferred (or if Borrower
is not a natural person and a beneficial interest in Borrows is sold or transferral) without Lender s prior
written consent, Lends may require immediate payment in full of all sums secured by this Security
Instrument. However, this optiou shall not be exercised by Leads if such exercise is prohibited by
Applicable Law.
If Lends "act= this option, Lender shall give Borrower notice of acceleration. The notice shall
provide a period of not less than 30 days flan the date the notice is given in accordance with Section 15
within which Borrower wrist pay all sums secured by this Security Instrument. If Borrower fails to pay
these sums prior to the expiration of this period, Linda may invoke any remedies permitted by this
Security Instrument without Earths notice or demand on Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrowa meets certain conditions,
Borrower shall have the right to have enforcmrent of this Security Instrument discontinued at any time
Prior to the earliest of: (a) five days before sale of the Property pursuant to my power of sale contained in
this Security Instrument (b) such other period as Applicable Law might specify for the termination of
Borrowers right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those
conditions are that Borrower: (a) pays Lender all swot which then would be due ends this Security
Instrument and the Note ae if no acceleration had occurred; (b) cures my default of my other covenants or
agreements; (c) pays all mvernea incurred in enforcing this Security Instrument, including, but not limited
to, reasonable attorneys fees, property inspectim and valuation fees, and other fees incurred for the
Purpose of protecting Lenders interest in the Property and rights under this Security Instmmmt and (d)
takes such action as Leader may reasonably require to assure tint Lenders interest in the Property and
rights under this Security Instrument, and Borrower' a obligation to pay the an= secured by this Security
Instrument, shall continue unchanged. Lender may require that Borrows pay such reinstatement sums and
expenses in one or more of the Following forms, as selected by Leader: (a) cash; (b) money order; (c)
certified check bank check, treasurer s check or cashia' a check, provided my such check is drawn upon
an institution whose deposits we insured by a federal agency, instrumentality or mtiry; or (it) Electronic
6615,30340
NORTH CaagAa -Beals FMpry.Farte M6eftWHI6M6c aMIFOM INSTRUMENT WITH MFas-nWol T.d
Femaf09t LpB
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Pap, 11 of 20
9K2996 PAN
RECEIVED
2ECEIVBD
NOV 14 7014
DCM-MHD CITY „t SEP 10 2014
t)�'1v1-MHD C1T'±'
Book:2996 Page:423 Seq:11

Page 12 or 26
Funds Transfer. Upon reinstalemell by Borrower, this Security instrument and obligations secured hereby
shall remain fluty effective as if no acceleration had occurred. However, this right to reinstate shall not
apply in the case of acceleration under Section IS.
20. Sale of Note; Change of Loan Servicer, Notice of Grievance. The Note or a partial interest in
the Note (together with this Security Instrument) can be sold one or more times without prior notice to
Horroww. A sale might result in a change in the amity (known av the "Loan Savioer") that collects
Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan
servicing obligations under the Note, this Security Instrument, and Applicable Law. Thee also might be
one or more changes of the Loan Servicer unrelated to a sale of the Note. if that is a change of the Loan
Servicer, Borrower will be given written notice of the change which will state the name and address of the
new Loan Savicer, the address to which payments should be made and my other information RESPA
requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is
serviced by a Loan Servicer other than the Purchaser of the Note, the mortgage loan servicing obligations
to Borrower will remain with the Loan Service or be transferred to a successor Loan Servicer and are not
assumed by the Note purchaser unless otherwise provided by the Note purchaser.
Neither Bmrowa nor Lender may continence, join, Or be joined to any judicial action (as either an
individual litigant or the member of a class) that arises from the other party's actions pursuant to this
Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by
reason of, this Security Instrument, until such Borrower or Leader has notified the other party (with such
notice given in compliance with the requirem ems of Section 15) of such alleged breach and afforded the
other party hereto a reasonable period after the giving of such notice to take corrective action. If
Applicable Law provides a time period which must elapse before mount action can be taken, that time
period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and
oppornmity to Coro given to Borrower pursuant in Section 22 and the notice of acceleration given re
Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective
action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substanoce are those
substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the
following substances: gasoline, kermc ne, other flammable or toxic petroleum products, toxic pesticides
and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials;
(b) "Environmental Law" means federal laws and laws of the jurisdiction what the Property is located that
relffie to health, safety or environmental proration; (c) "Environmental Cleanup" includes any response
Action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental
Condition" means a condition that can cause, contribute to, or otherwise trigger m Environmental
Cleanup.
Borrower shell not cause Of Permit the presence, use, disposal, enrage, or release of any Hazardous
Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not dot,
nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental
Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a
Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding
two sentences shall not apply to the presence, use, or storage on the Property of small quentities of
Hazardous Substances that are generally recognized to be appropriate to notice] residential uses and to
mamteneam of doe Property (including, but not limited to, hazardous substances in commot r products).
Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit
or other action by any govanu ntal or regulatory ageney or private party, involving the Property and my
Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any
Environmental Condition, including but not limited to, my spilling, leaking, dschargF release Or threat of
release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a
Hazardous Substance which adversely affects the value of the Property. IfBorrower Items, or is notified
by any governmental or regulatory authority, s any private piety, that any removal or other remediation
of any Hazardous Substance affecting the Properly is necessary, Borrows shall promptly take all necessary
remedial actions in accordance with Environmental Law. Nothing herein shall create my obligation M
Lender for an Environmental Cleanup.
asrsasrssa
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Papa /2 01 20
sK2996 PD434
SEP 10 2014
3:
Book:2996 Page:423 Seq:12

Pape 13 of 20
NON -UNIFORM COVENANTS. Borrower and Lerida further covenant and agree as follows:
22. Acceleration; Remedies. Leader shall give notice to Borrower prior to acceleration following
Borrower's breach of any covenant or agreement in tials Security Instrument (but not prior to
acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a)
the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the dale
the notice is given to Borrower, by which the default oust be cured; and (d) that failure to cure the
default on or before the date specified In the notice may result in acceleration of the sums secured by
this Security Instrument and ale of the Property. The notice shall further inform Borrower of the
right to reinstate after acceleration and the right to assert to the foreclosure proceeding the
non-existence of a default or any other defense of Borrower to acceleration and sale. If the default is
not cared on or before the date specified in the notice, Lender at Its option may require immediate
payment In full of all sumo secured by this Security Instrument without further demand and may
invoke the power of sate and any other remedies permitted by Applicable Law. Leader shall be
entitled to collect all expenses Incurred in pursuing the remedies provided in this Section 22,
including, but not limited to, reasonable attorneys' fees and costs of title evidence.
If Leader invokes the power of sale, and if it is determined in a hearing held in accordance with
Applicable Law that Trustee an proceed to sale, Trustee shall take such action regarding notice of
sale and shell give web notice to Borrower and to other persons a Applicable Law may require.
After the time regn1mal by Applicable Law and after publication of the notice of sale, Trustee,
without demand an Borrower, shall sell the Property at public auction to the highest bidder at the
time and place and under the terms designated In the notice of ale in one or more parcels and in any
order Trustee determines. Lender or its designee may purchase the property at any sale.
Trustee shall deliver to the purchaser Trustee's deed conveying the Property without any
covenant or warranty, expressed or implied The recitals in the Trustee's deed shall be prima facie
evidence of the truth of the statements made therein. Trustee shall apply the proceeds of the sale In
the following order: (a) to all expenses of the sale, Including, but not limited to, Trustee's fees of
5.000 % of the gross ale prim; (b) to all sums secured by this Security Instrument;
and (c) any excess to the person or persons legally entitled to it. The Interest ate set forth in the Note
shall apply whether before or after any judgment on the indebtedness evidenced by the Note.
23. Release Upon payment of all sums secured by this Security Instrument, Lender or Trustee shall
cancel this Security lostrument. If Trustee is requested to release this Security Instrument, all notes
evidencing debt secured by this Security Instrument shall be surrendered to Trustee. Borrower shall pay
any recordation costs, tender may charge Borrower a fee for releasing this Security instrument, but only if
the fee is paid to a third parry for services rendered and the charging of the fee is permitted under
Applicable Low.
24. Substitute Trustee. Lender may from time to time remove Trustee and appoint a successor
trustee to my Trustee appointed hereunder by an instrument recorded in the aunty in which this Security
Instrument is recorded. Without conveyance of the Property, the successor trustee shall suaxed to all the
tide, power and duties conferred upon Trustee herein and by Applicable Law.
25. Attorneys' Fees. Attorneys' fees must be reasonable.
oalxutlao
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INpa 71); 000001TypCM
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Papa J of 20
aK2996PA35
RIM 11V13
RECEIVED
NOV 14 1014 SEP 10 20.14
DCM-MHDCITY
Book:2996 Page:423 Seq:13

Pepe 14 of 20
BY SIGNING UNDER SEAL. BELOW, Borrower accepts and agrees to the tens and wvenaM
wntained in dds Security Tnstrtnnent and in any Rides executed by Hormv and recorded with it.
Witnesses:
Wayne Hauck iII -Borrower
(Seal) (Seal)
-Borrower -Borrower
— (mil) (Seal)
-Borrowa -Borrower
— (Seal) (Sea))
-Harrower -Bmmff
961963/300
NOWN"MUNA'M"I0FaMUV'F=bN Fo wUMUNIFORM Wa}RlIMMIT WITH 11133-p9d dUuM
T091r90999
1111
W.I.Wdlef NlWVMaWd &N¢u
ynPoA(31111111
1111
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InI91[B�IIJI
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IImage0: 000001941883 Typo:
Page 14 of PO
mc2996PAN
','ASrP 1 0 2014
MWI-MO CITY
s.<
Sook:2996 Page:423 Seq:14

Page 15 of 20
GGQ�
STATE OF NORTH CAROLINA, County
a Notary Public of the County of State of North Carolina, do hereby
cerifythat Wayne 0 Hauck III and Nancy B Hauck
who isfara known to me or proved to me on the basis of satisfactory evidence to be the petson(s) described,
personally appeared before me this day, each acknowledging to me that hdsWthry voluntarily signed the
foregoing instrument for the purpose stated therein, and in the caprrity, indicated.
Witness my hand and official seal this 2jL a99% -n y of mil, 2011
My Commission Expires: i • 11 - (1
SANDRA WILKINSON
NOTARY PUBLIC
ROWAN COUNTY
NORTHCAYNA
4Y Cp1nlWan Espiiea
STATE OF NORTH CAROLINA,
The foregoing certificate of
a Notary Public of the County of
is certified to be correct.
This day of
�JOAMi ts_ ll..)tiLk4l. . m
Nolan Public
State of
Registrar of Deeds
By
Deputy Assistant
County sa:
e01103saoo >snan,a0
R.M. AWM.-&F FuneF-ignM4WRe0EN I. lanaM 11MIM W11,M-Deal OFT.�/I ren 0034141
Wa11aFNM'rnn/iCW awleu 4tlbY� V' V4MMeaiD�6 a�a�
'age f0: 00=1641834 Type: CRP
437g of
20
mc2996 n
RECENED
Noy 14 7n'1
DCM-MHD CI7v
�.:RECBPV&ti
" SEP 10 2014
y
tea,,,V,MHD My
Book:2996 Page:423 Seq:15

Page 16 of 20
Exhibit A
Al that certain tract or parcel of land lying and being in Number Seven Township, Craven County, North
Cardin, and being more particuhady described as follows:
Being all of Lot Number Eighteen (18) as same is shown and delineated on a map of Bridge Pointe Harbour,
Phase Two, said map being recorded In Plat Cabinet G, Slide 182-E, in the office of the Register of Deeds of
Craven County, North Carolina, reference to said map being hereby made for a more perfect description of said
property.
I=" M: OweTwo: W�
,saga ID: e0000tP&M t of 2 CRP
Papa to of 20
4996 m438
(HAUCK. YIMYNE CONST.PFOMMAIU .00NMI)
�.ECE1VVEij
A
p�
SEP 10 2014
XiVI-M D CCTV'
Book:2996 Page:423 Seq:16

Peg. 17 of 20
SECOND HOME RIDER
THIS SECOND HOME RIDER is made this 22 day of Ixjgpi
and is incorporated Into and shall be deemed to amend and supplem4nt tfia Mortgage, Deed
of Trust, or Security Deed (the "Security Instrument") of the some date given by the
undersigned (the "Borrower" whether there are one or more persons undersigned) to secure
Borrower's Note to Branch Banking and Trust Company
(the 'Lender') of the same date and covering the Property described in the Security
Instrument (the "Property"), which is located at:
102 Bridge Pointe Dr
NEW BERN, NC 28562-6458
[Property Address]
In addition to the covenants and agreements made in the Swiftly Instrument, Borrower
and Lender further covenant and agree that Sections 6 and 8 of r.he Security Instrument are
deleted and are replaced by the following:
6. Oceupanoy. Borrower shall occupy, and shall onty use, the Property as
Borrower's second home. Borrower shall keep the Property available for Borrower's
exclusive use and enjoyment at all limes, and shall not subject the Property to any
timesharing or other shared ownership arrangement or to any rental pool or
agreement that requires Borrower either to rent the Property or give a management
firm or any other person any control over the occupancy or use of the Property.
a. Borrowers Loan Application. Borrower shall be in default if, during the Loan
application process, Borrower or any persons or entities acting at the direction of
Borrower or with Borrowers knowledge or consent gave materially false, misleading,
or inaccurate information or statements to Lender (or failed to provide Lender with
material information) in connection with the Loan. Material representations include,
but are not limited to, representations concerning Borrower's occupancy of the
Property as Borrower's second home.
6615538300
7001409899
MULTISTATE SECOND HOME RIDER - Single Family - Fannie MaelFreddla Mae UNIFORM
INSTRUMENT
Forth 3890 1101
Page 1 of 2 Initials:
JR-365R(0811)
_
VMP Mortgage Solutions, Inc. [phone] -4,
Ianpe I0: 000001page917 of one
20
eK2996 PAN
»- RMEWED
RECEIVED
NOY 14 209 g SEP 10 2014
DCM-MHD CITY.
Drm-Mill CI y
Book:2996 Page:423 Seq:1T

Page is of 20
BY SIGNING BELOW, Borrower accepts ano agrees to the terms and covenants contained
in this Second Home Rider.
Wayne Hauck 114 Borrower Nancy 8 Ha c -Borrower
—(saw)
-Borrower
_ (Seal)
-Borrower
(sad)
-Borrower
-Borrower
_ (Seal) (Seal)
-Borrower -Borrower
6616539300 7001409899
MULTISTATE SECOND HOME RIDER - Single Family - Fannie MealFraddle Mae UNIFORM
INSTRUMENT Form 3890 1101
4k365R (0811) Page 2 of 2
��rI�11tE,I�4I8��AB1� GAP
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w2996n440
s°
SEP 10 2014
Book:2996 Page:423 Seq:18

Page t0 of 20
CONSTRUCTION LOAN IUDER TO
DEED OF TRUST
This CONSTRUCTION LOAN RIDER made this the 22 day of 7pu, MI , is
incorporated in and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the
"Security Instrument") of the same date given by the undersigned (the "Borrower') to secure
Bmrowees note (the "Note") to Branch Banking and Trust Company
,a NORTH CAROLINA
banking corporation (the "Lender") of the same date covering the property described in the Security Instrument and
located at:
102 Bridge Pointe Dr, NEW BERN, NC 28562-6458
(Property Address)
Additional Provisions. In addition to the covenants and agreements made in the Security Instrument,
Borrower and Lender further covenant and agree as follows:
Pursuant to the provisions of Section 45-67 at seq. of the North Carolina General Statutes, this Security
Instrument secures the payment of debt evidenced by the Note and includes present and future advances. The current
dollar amount of the debt outstanding on the date hereof is None!
Dollars (ifmnc, so state). The maximum
principal amount secured by the Security Instrument is S 250,000.00 . No execution of a written
instrument or notation shall be necessary to evidence or serum my future advances made hereunder. The period
within which future advances are to be made shell be the fifteen -year period beginning an the date of this
Construction Loan Rider.
The Borrower has an the date hereof executed a Construction Loan Agreement, the terms of which are
incorporated herein by reference as if set forth following. Any default in the terns, conditions, covenants or
provisions of the Constitution Loan Agreement executed by Borrower and Lender shall constitute a default under
the terms of this Security Instrument. In the event of such default, Leader may, at its option, require immediate
payment in full of all sums secured by the Security Instrument and this Rider.
If any person, corporation or other entity including without limitation the Federal Home Loan Mortgage
Corporation or the Federal National Mortgage Association but excluding Lender (or an Affiliate or Subsidiary of
Lender as defined in 12 U.S.C-S. 1841) buys all or some of the Lenders rights under the Security Instrument and
Note, (raid assignee herein "Third Parry") the terns, promises and agreements in this Rider will no longer have any
force or effect, except for those terms above which are necessary to ensure the priority and effectiveness of the
Lender's lien, which shall not be affected by any such sale. Without in any way limiting the foregoing, the Borrower
shall not have an option under this Security Instrument to borrow additional funds seemed hereby from the Lender
or from the Third Parry upon purchase ofall of some of the Lender's right under the Security Instrument and Note by
the Third Party. Notwithstanding the foregoing provisions, the ability of the Lender, its successors and assigns, to
enforce the mpayment of future advances made prior to the sale of the Security Instrument to the Federal Home
Loan Mortgage Corporation or any other Third Party shall remain in fug force and effect.
IIII 11®1m1elaPm[r®ealinaWll>D ai 1111
7001409899 Image 10= 000001941838 Type: CRP
01131t4C rmL page to of 20
w(2996 Pa441
RECEIVED
NOV 14 ZW
DCM-l*Q CIFY
Book: 2996 Page:423 Seq: 19

Page 20 of 20
By signing below. Borrower accepts and agrees to the ten.ns and covenants contained in the Construction
Loan Rider.
IN WITNESS WHEREOF, each Borrower has affixed his Had and adopted as his seal the word "SEAL"
appearing beside or near his signature the day and year first shove written.
- -91 / (Seal)
Wayne O uck III -eo„a.a P iancy B Ha -a..
(Seal)
-Bono.
-Sans
-6ovowrr
CRP
Inepe ID: 000OOlPagee2 Type: 2 f1iP
Page 20 of 20
4996 PAQ
7001409899 6615536300
e112.2NC noon n 202
Book:2996 Page:423 Seq:20

h✓0jcGt Narrative
I vvill b� buildin ci 90' x 5" GonGretcl
OI00K with (1, 10' x 10' "L"- Hid at thG
ohd• On -flh6 left h4v,ol Sik OF the dooK,
I vv1)1 b� buiIdiil q 12' x Z19 bouthvuse.
4hiS will GII be -F6v nc50e0t01 tEe,
RECEIVED
rSE.,
PP 10 2014

f"!
L 4

� DCMM�-1
APPLICATION for
Ma1or Development Permit
(last revised 12/27106)
North Carolina DIVISION OF COASTAL MANAGEMENT
1. Primary Applicant/ Landowner Information
Business Name
Project Name (if applicable)
Applicant 1: First Name
he,
MI
0
Last Name
Hamirg
Applicant : First Name
MI
Last Name
Itadditional applicants, please attach an additional page(s) with names listed.
Mailing Address
102 riv
PO Box
City
w
State
NG
ZIP /� r
'z q! Z
Country
V J
Phone No.
Phone
3 b ` 210 - LKq ext.
FAX No.
Street Address (it different from above)
City
State
ZIP
Email
2. Agent/ContractorInformation
,f.
"
Business Name
,,,•✓
L
Agent/ Contractor 1: First Name
MI
Last Name
Fo e
Agent/ Contractor 2: First Name
MI
Last Name
Mailing Address
PO Box
City
State
0 Old v o
Ne,W
INC
ZIP
Phone No. 1
Phone No. 2
Z 95100
252 -2Z
ext,
(PY0 7
ext.
FAX No.
Contractor #
Street Address (if different from above)
City
State
ZIP
Email
<Form continues on back> SEP 10 2014
MY'�`111

Form DCM MP-1 (Page 2 of 4)
APPLICATION for
Major Development Permit
3. Project Location
County (can be multiple)
Street Address -
-
- -- - ' '— -- - - --
State Rd. # - -'-
C�ra yon
/ b2 &ichre
P19f Dr'v
Subdivision Name
Wly
State
Zip
rd P'oin k
Now &Ypi
NX
295792
Phone No.
Lot No.(s) (if many, attach additional page with list)
- ext.
I,
a. In which NC river basin is the project located?
b. Name of body of water nearest to proposed project
A/C Weal-
rrinnt 1611
c. Is the water body identified in (b) above, natural or manmade?
d. Name the closest major water body to the proposed project site.
CKNalural ❑Manmade []Unknown
CUSC '
VZr
e. Is proposed work within city limits or planning jurisdiction?
I. If applicable, list the planning jurisdiction or city limit the proposed
[]Yes j$No
work falls within.
4.
Site Description
a.
Total length of shoreline on the tract (ft.)
b. Size of entire tract (sq.fl.)
OD
c.
Size of individual lolls)
AIIA
d. Approximate elevation of tract above NHW (normal high water) or
N W L (normal water level)
(1I many lot sizes, please attach additional page with a list)
i
❑NHW orfQjNWL
e.
Vegetation on tract
Iveyral L'
iyd
I.
Man-made features and uses now on tract
I
sifiqc l7 W 1
g.
Identify and describ he existing land uses adlacent to the prINfosed project site.
V
h.
How does local overnment zone the tract?
I. Is the proposed project consistent with the applicable zoning?
(Attach zoning compliance certificate, if applicable)
N A
❑Yes ❑No )INA
j.
Is the proposed activity part of an urban waterfront redevelopment
proposal? []Yes ,QjNo
k.
Hasa professional archaeological assessment been done for the
tract? If yes, attach a copy. []Yes ❑No RINA
If yes, by whom?
I.
Is the proposed project located in a National Registered Historic District
or does it involve a ❑Yes XNo ❑NA
National Register listed or eligible property?
REECUM
<Form continues on next page>
y; SEP 10 2014
1XIM-nrIMMY

Form DCM MP-1 (Page 3 of 4)
APPLICATION for
Major Development Permit
m. (1) Are there wetlands on the site? ❑Yes ®No
(ii) Are there coastal wetlands on the site? _ - ❑Yes &No
(111) If yes to either (i) or (ii) above, has a delineation been conducted? ❑Yes []No —1V/A
(Attach documentation, it available) -
n. Describe existing wastewater treatment facilities.
citt & vVCV-
o. Describe existing drinking water supply source.
cifl yvatry-
p. Describe existing storm water management or treatment systems.
5. Activities and Impacts
a.
Will the project be for commercial, public, or private use? ❑Commercial ❑Public/Government
®PrivatelCommunity
b.
Give a brief description of purpose, use, and daily operations of the project when complete.
Gk boqZ -FOr 6imalb 4Mi1JStMCt'L4W,
c.
Describe the proposed construction methodoloiry, types of construction equipment to be used during construction, the number of each type
of equipment and where it is to be stored.
- Kq
I rl/U-
d.
List all development activities you propose.
Y�I
CohsM4ct pxoAhour
e.
Are the proposed activities maintenance of an existing project, new work, or both?
NOW
I.
What is the approximate total disturbed land area resulting from the proposed project? ❑Sq.Ft or []Acres
NIA
g.
Will the proposed project encroach on any public easement, public accessway or other area ❑Yes W No ❑NA
that the public has established use of?
h.
Describe location and type of existing and proposed discharges to waters of the state.
I.
Will. wastewater or stormwater be discharged into a wetland? ❑Yes MNo ❑NA
If yes, will this discharged water be of the same salinity as the receiving water? []Yes []No XNA
j.
Is there any mitigation proposed? ❑Yes ❑No 4NA
If yes, attach a mitigation proposal.
<Form continues on back> SEP 10 2014
1 '1

Form DCM MP-1 (Page 4 of 4)
APPLICATION for
Major Development Permit
6. Additional Information
In addition to this completed application form, (MP-1) the following items below, if applicable, must be submitted in order for the application
package to be complete. Items (a) — (f) are always applicable to any major development application. Please consult the application
instruction booklet on how to properly prepare the required items below.
a. A project narrative.
b. An accurate, dated work plat (including plan view and cross -sectional drawings) drawn to scale. Please give the present status of the
proposed project. Is any portion already complete? If previously authorized work, clearly indicate on maps, plats, drawings to distinguish
between work completed and proposed.
c. A site or location map that is sufficiently detailed to guide agency personnel unfamiliar with the area to the site.
d. A copy of the deed (with state application only) or other instrument under which the applicant claims title to the affected properties.
a., The appropriate application fee. Check or money order made payable to DENR.
I. A list of the names and complete addresses of the adjacent waterfront (riparian) landowners and signed return receipts as proof that such
owners have received a copy of the application and plats by certified mail. Such landowners must be advised that they have 30 days in
which to submit comments on the proposed project to the Division of Coastal Management.
Name hiVe411 Phone No.
Address i0 r% PpirytC, VrjK4Wd W kynot4t, 2,$51/0
Name 011 C AeU Phone No.
Address l� 8✓id�G �Ih�c ✓I1rC W ✓}�/VG 2,95- m
Name Phone No.
Address
g. A list of previous stale or federal permits issued for work on the project tract. Include permit numbers, permillee, and issuing dates.
h. Signed consultant or agent authorization form, if applicable.
I. Wetland delineation, if necessary.
j. A signed AEC hazard notice for projects in oceanfront and inlet areas. (Must be signed by property owner)
k. A statement of compliance with the N.C. Environmental Policy Act (N.C.G.S. 113A 1-10). if necessary. If the project involves expenditure
of public funds or use of public lands. attach a statement documenting compliance with the North Carolina Environmental Policy Act.
17. Certification and Permission to Enter on Land
I understand that any permit issued in response to this application will allow only the development described in the application.
The project will be subject to the conditions and restrictions contained in the permit.
I certify that I am authorized to grant, and do in fact grant permission to representatives of state and federal review agencies to
enter on the aforementioned lands in connection with evaluating information related to this permit application and follow-up
monitoring of the project.
I further certify that the information provided in this application is truthful to the best of my knowle e.
Date Q"4— /Ai Print NameDAii Fbav Signature
Please indicate application attachments pertaining to your proposed project.
❑DCM MP-2 Excavation and Fill Information ❑DCM MP-5 Bridges and Culverts
pDWMP-3 Upland Development RECEIVE)
CM MP-4 Structures Information
rSEP 10 2014

' Form DCM MP-4
4
(Construction within Public Trust Areas)
Attach this form to Joint' Application for CAMA Major Permit, Form DCM MP-1. Be sure to complete all other sections of the Joint
Application that relate to this proposed project. Please include all supplemental information.
I. ROCKING FACILITY/MARINA C6' ARA
a. (i) Is the docking facility/marina: b. (!)Will the facility be open to the general public?
_ E]Commercial _ ❑Public/Government. t(Pr'ivate/CommuniTy QYes JONp
c. (I) Dock(s) and/or pier(s)
(ii) Number
i
(III) Length
(iv) Width
_yL
(v) Floating
❑Yes 66No
e. (i) Are Platforms Included? XYes ❑No
If yes:
(ii) Number
(III) Length
(N)Width /Z
(v) Floating []Yes MNo
Note., Roofed areas are calculated from ddpfine dimensions.
g. (i) Number of slips proposed
2
(Ill Number of slips existing
\t
I. Check the proposed type of siting:
❑ Land cut and access channel
❑Open water, dredging for basin and/or channel
®Open water; no dredging required
❑Other; please describe:
k. Typical boat length: 2 )
m. (1) Will the facility have tie pilings?
❑Yes MNo
(if) If yes number of tie pilings?
d. (i) Are Finger Piers included? []Yes 99No
If yes:
(Ill Number
(Iii) Length _
(iv) Width _
(v) Floating ❑Yes ❑No
f. (1) Are Boatlifts Included? []Yes ONO
If yes: '
(i) Number
(iii) Length .1�i�L�
. (iv) Width _ Ly
In. Check all the types of services to be provided.
❑ Full service, Including travel lift and/or rail, repair or
maintenance service
❑ Dockage, fuel, and marine supplies
K Dockage ("wet slipsl only, number of slips: 2
CS Dry storage; number of boats: _
❑ Boat ramp(s); number of boat ramps: _
❑ Other, please describe:
j. Describe the typical boats to be served (e.g., open runabout,
charter boats, sail boats, mixed types).
(r Mhci�4f
I. (1) Will the facility be open to the general public?
[]Yes X]No
F, itECUVED
SEP 10 2014
252-808-2808 tr 14I89 4RCOAST :; ww w.rccoastalmanageMen .nit a revised: 92i2Tts35
BCM AkiM CITY

2 DOCKING FACILPIlMARINA OPERATIONS*This section not applicableA, P,
a. Check each of the following sanitary facilities that will be included in the proposed project.
❑ Office Toilets
❑ Toilets for patrons; Number: Location:
❑ Showers
❑ Boatholding tank pumpout; Give type and location:
b. Describe treatment type and disposal location for all sanitary wastewater.
C. Describe the disposal of solid waste, fish offal and trash.
d. How will overboard discharge of sewage from boats be controlled?
a.. (i) Give the location and number of "No Sewage Discharge" signs proposed.
(if) Give the location and number of "Pumpout Available' signs proposed.
f. Describe the special design, If applicable, for containing industrial type pollutants, such as paint, sandblasting waste and petroleum products.
g. Where will residue from vessel maintenance be disposed of?
In. Give the number of channel markers and "No Wake" signs proposed.
i. Give the location of fuel -handling facilities, and describe the safety measures planned to protect area water quality.
j. What will be the marina policy on overnight and live -aboard dockage?
k. Describe design measures that promote boat basin flushing?
I. It this project is an expansion of an existing marina, what types of services are currently provided?
282-808-2808 :: 11-888-4RCOAST :: wL w aceaasi aimanaaament.nat
revised: 12/27106 1
DCM•M M YY

M. Is the marina/docking facility proposed within a primary or secondary nursery area?
❑Yes DQNo
n. Is the manna/docking facility proposed within or adjacent to any shellfish harvesting area?
❑Yes InNo
..o. ..Is -the marina/docking facility -proposed within or adjacent to coastal wetlandsfmarsh (CW), submerged aquatic vegetation (SAV), shell bottom
(SB), or other wetlands (WL)? If any boxes are checked, provide the number of square feet affected. .
❑CW ❑SAV ❑SS _
❑WL JQNone
p. Is the proposed marinaldocking facility located within or within close proximity to any shellfish leases? ❑Yes jmNo
If yes, give the name and address of the leaseholder(s), and give the proximity to the lease.
a. (i) Is the boathouse stwcture(s):
❑Commercial ❑Public/Government OPrivate/Community ,
(ii) Number f 01
(111) Length 291
(iv) Width 121
Note: Roofed areas are calculated from dripline dfinenslons.
4- �ar9A4 e. - r a
sheetprle, etc If a rock groin, use MP-2, Exoe
a. (i) Number _
(ii) Length _
(iii) Width
a. Length _
c. Maximum distance beyond NHW, NWL or wetlands
b. Average distance from NHW, NWL, or wetlands
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a. Is the structure(s):
❑Commercial ❑Public/Government ❑Private/Community
c. Distance to be placed beyond shoreline _
Note: This should be measured from marsh edge, if present.
e. Arc of the swing _
b. Number _
d. Description of buoy (color, inscription, size, anchor, etc.)
UCEWW f
SEP 10 2014
DCM-MHD CTTY
2S2 H0�-2800 :a 1-88 -4 G'X3si57 t. vvursr.a� Boas# Im ata, �;nt sne2 reviseil: 92;27106

Note: For buoy or mooring piling, use arc of swing including length -
of vessel.
c. Width of water body
MOO,
e. (1) Will navigational aids be required as a result of the project?
C]Yes MNo ❑NA
(ii) If yes, explain what type and how they will be implemented.
a. Give complete description:
d. Water depth at waterward end of structure at NLW or NWL
A
RECEIVED
SEP102014
DCM-MHD CITY
252-808-2308 :e i-88B.4RCOA5T :: .net
revised: I212T105

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Ir t. A
Connell, Brad
-From: Connell, Brad - _. _.... ....
Sent: Tuesday, September 30, 2014 3:45 PM
To: '[e-mail]'
Cc: Wayne Hauck (Wayne. Hauck@ mulehide.com); Brownlow, Roy
Subject: Requesting revisions to CAMA Major Permit application
Attachments: agent authorization.pdf
Importance: High
Mr. Foley,
Thank you for submitting a CAMA Major Permit application package on behalf of Mr. Wayne Hauck. It is thorough and
well prepared. However, there are some minor issues that you need to address before the NC Division of Coastal
Management can accept the application as complete:
1. Form DCM MP-1, 6c: please submit a location map that sufficiently details where the proposal is;
2. Form DCM MP-1, 6f: please include the neighbors' phone numbers, and also include the Dock Owners
Association's signed green card and contact information;
3. Form DCM MP-1, 6h: please see the correct (attached) Agent Authorization Form to submit;
4. Form DCM MP-4, le: the platform dimensions conflict with the Project Narrative (10' by 20' ??);
5. Form DCM MP-4, 1g: please show the second proposed slip on the drawings and change the number of existing
to only those slips located within the riparian corridor;
6. Form DCM MP-4, 1h: the total number of slips proposed includes the number of slips existing within the
riparian corridor;
7. Work Plan Drawings: all drawings must be drawn to scale, please include North arrows, please number the
existing and proposed slips, please show both of the riparian property lines, please indicate the scale, please
date each drawing and note the name of the person(s) who drew it, please title and number each drawing (i.e.
"Proposed Site Plan, Sheet 2 of 4"), please show the actual water depth relative to the normal water level on
the side view drawing, and the 11" by 17" drawing you have submitted shows a proposed concrete walk, boat
ramp, and parking lot —please revise and update to show what is actually existing versus what is proposed in
this application.
PLEASE NOTE: This proposal does not meet the use standards set forth in 15A NCAC 07H .0208(b)(6)(B). The
proposed total shading impacts (existing plus proposed) exceed what is allowable for this parcel having 100' of
shoreline (100 x 8 = 800 sq ft of maximum shading impact allowable).
Here is a link to those rules: http://portal.ncdenr.org/c/document library/get file?uuid=bebfgdbd-05eb-47e5-80d1-
b 058fe 27 e480&g ro u p I d=38319
15A NCAC 07H.0208(b)(6)(B) states that "The total square footage of shaded impact for docks and mooring facilities
(excluding thepier) allowed shall be eight square feetper linear foot of shoreline with a maximum of 2,000 square
feet. In calculating the shaded impact, uncovered open water slips shall not be counted in the total. Projects requiring
dimensions greater than those stated in this Rule shall be permitted only if the greater dimensions are necessaryfor,
safe use, to improve public access, or to support a water dependent use that cannot otherwise occur._ Size restrictions
shall not
apply to marinas."
A meeting at your convenience is encouraged by the DCM to discuss these requested revisions to the application
package. If you have any questions or concerns in the interim, please do not hesitate to contact me.
i
\\ t

r a
Thank you,
_...Brad -Connell: .....::........
Field Representative
NC Division of Coastal Management
httl):flportal.ncdenr.org/web/cm/dcm-home
E-mail correspondence to and from this address may be subject to the North Carolina Public Records Law and may be disclosed to
third parties.
2

***This is a word processing form to be completed in Microsoft Word'**
NC Division of Coastal Management
Major Permit Application Computer Sheet
(11/1/2012)
Applicant: Wayne Hauck
Date: 12/1/14
Project Site County: Craven
Staff: Brad Connell
District: ❑Elizabeth City ❑Washington
®Morehead City []Wilmington
Project Name: Hauck dock
Date of initial application submittal (EX: 1/8/2007): 9/10/2014
Date application "received as complete" in the Field office (EX: 1/8/2007): 11/14/2014
Permit Authorization: NCAMA ❑Dredge & Fill [-]Both
SITE DESCRIPTION/PERMIT INFORMATION
PNA: ❑Yes NNo
Photos Taken: Yes ❑ NoN
Setback Required (riparian): ®Yes ❑ No
Critical Habitat: ❑Yes ❑No NNot Sure
15 foot waiver obtained: ❑Yes NNo
Hazard Notification Returned:
❑Yes NNo
SAV: NYes ❑No, ❑Not Sure
Shell Bottom: ❑Yes NNo ❑ Not Sure
Temporary Impacts: NYes ❑No
Sandbags: ❑Yes NNo ❑ Not Sure
Did the land use classification come from
county LUP: NYes ❑No
Mitigation Required (optional):
❑Yes NNo
Moratorium Conditions: ❑Yes NNo
❑NA
Environmental Assessment Done:
❑Yes ❑No N NA
SECONDARY WATER CLASSIFICATION - OPTIONAL (choose MAX of 4)
WETLANDS IMPACTED
❑ (404) Corp. of Engineers (Jurisdictional
❑ (LS) Sea lavender (Limonium sp.)
❑ (SS) Glasswort ( Salicornia sp.)
wetlands)
❑ (CJ) Saw grass (Cladium jamaicense)
❑ (SA) Salt marsh cordgrass (Spartina
❑ (SY) Salt reed grass (Spartina
alterniflora)
cynosuroides)
❑ (DS) Salt or spike grass (Distichlis
❑ (SC) Bullrush or three square (Scirpus
❑ (TY) Cattail (Typha sp.)
spicata)
sp.)
❑ (JR) Black needlerush (Juncus
❑ (SP) SalUmeadow grass (Spartina
roemerianus)
patens)
APPLICATION FEE
❑ No fee required - $0.00
❑ III(A) Private w/ D&F up to 1 acre; 3490
N III(D) Priv. public or comm w/ D&F to 1
can be applied - $250
acre; 3490 can't be applied - $400
❑ Minor Modification to a CAMA Major
❑ Major Modification to a CAMA Major
❑ IV Any development involving D&F of
permit - $100
permit - $250
more than 1 acre - $475
❑ Permit Transfer - $100
❑ III(B) Public or commercial w/ D&F to 1
❑ Express Permit - $2000
acre; 3490 can be applied - $400
❑ Major development extension request -
❑ II. Public or commercial/no dredge
$100
and/or fill - $400
N I. Private no dredge and/or fill - $250
❑ III(C) Priv. public or comm w /D&F to 1
acre; 3490 can be applied; DCM needs
DWQ agreement - $400
252.808-2808 :: 1.888.4RCOAST :: www.nccoastalmanagement.net revised: 02/15/10

NC DiviL-ion of Coastal Mgt. Application Computer Sheet, Page 2 of 3)
Applicant: Wayne Hauck
Date: 1211/14
Describe below the ACTIVITIES that have been applied for. All values should match the dimension order, and units of
measurement found in your Activities code sheet.
TYPE
REPLACE
Activity Name
Number
Choose
Choose
Dimension 1
Dimension 2
Dimension 3
Dimension 4
One
One
Boat lifts
1
New Work ®
Replace
13'
13'
Maint ❑
❑ Y ON
Pier
1
New Work ®
Replace
90'
5'
Maint ❑
❑ Y ® N
Platform
1
New Work ®
Replace
16'
10'
Maint ❑
❑ Y ON
New Work ❑
Replace
Maint ❑
❑ Y ❑ N
New Work ❑
Replace
Maint ❑
❑ Y ❑ N
New Work ❑
Replace
Maint ❑
❑ Y ❑ N
New Work ❑
Replace
Maint ❑
❑ Y ❑ N
revised 02/15/10

NC Div-tbion of Coastal Mgt. Application Computer Sheet, Page 3 of 3)
Applicant: Wayne Hauck
Date: 12/1/14
Describe below the HABITAT disturbances for the application. All values should match the name, and units of measurement
found in your Habitat code sheet.
TOTAL Sq. Ft.
FINAL Sq. Ft.
TOTAL Feet
FINAL Feet
(Applied for.
(Anticipated final
(Applied for.
(Anticipated final
DISTURB TYPE
Disturbance total
disturbance.
Disturbance
disturbance.
Habitat Name
Choose One
includes any
Excludes any
total includes
Excludes any
anticipated
restoration
any anticipated
restoration and/or
restoration or
and/or temp
restoration or
temp impact
temp impacts)
impact amount)
temp impacts)
amount
OW
779 it'
779 f?
Dredge ❑ Fill ❑ Both ❑ Other ®
Dredge ❑ Fill ❑ Both ❑ Other ❑
Dredge ❑ Fill ❑ Both ❑ Other ❑
Dredge ❑ Fill ❑ Both ❑ Other ❑
Dredge ❑ Fill ❑ Both ❑ Other ❑
Dredge ❑ Fill ❑ Both ❑ Other ❑
Dredge ❑ Fill ❑ Both ❑ Other ❑
Dredge ❑ Fill ❑ Both ❑ Other ❑
Dredge ❑ Fill ❑ Both ❑ Other ❑
Dredge ❑ Fill ❑ Both ❑ Other ❑
252-808-2808 :: 1•asa-4RCOAST :: w .nccoastalmanagement.net revised: 02115/10

r,.!;").AS r^rer�,t,....:.6t'r,.tt.1 N AREA
&, t
V
N.C. Div+sion o: Cnasta; M,nagement
NC Division of Coastal Management
400 Commerce Avenue
Morehead City, NC 28557
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Please use this card to schedule a pre -construction conference immediately BEFORE you begin
work on your permitted project.
The pre -construction meeting will give you the opportunity to discuss permit conditions,
construction techniques and any questions you may have with a Coastal Management
representative. This will enable you to proceed with your project as quickly and smoothly as
possible.
When you are ready to begin construction, fill out his card and mail it to the Division of Coastal
Management at the address on the reverse side of this card. Thank You.
Permit Number— `T�
xpiraLon Date 1 L�__ _. RECEIVED
[ssued to: FEB 09
P'bW Twury PI7Y
Ccntact Person _��010,
Telephone Number :2 Ste/
Project Starting Date t 73 r 0

■ Complete items 1, 2, and 3. Also complete
Rem 4 If Restricted Delivery is desired.
■ Print your name and address on the reverse
so that :md can return the card to you.
■ Attach this card to the back of the mailpiece,
or on the front if space permits.
1. Article Addrbssed to:
A- sign Z5 JUN
X � ).
S. R eivetl by ( Panted N C. a ive
��. S "
0. Is delivery, address different from Han 17 ❑ yes
H YES, enter delivery address below: 0
3.
died Mail ❑ Express Mail
0 Registered ❑ Return Receipt for Merchandise
❑ Insured Mail ❑ C.O.D.
4. Restricted Delivery? (Fxbe Feel ❑ yes
2. Article Number 7012 2920 0000 7420 8602
(Transfer from service label)
� PS Form 3811, February 2004
I
Domestic Retum Receipt
102595-02-M-1540

UNITED. STAT,S._POSTP,� SE(2YIGE
F,..C.1iri.'_t)zcsx-k
• Sender: Please print your name, address,
this boX
TcAe '
� -� 1 O CO 16

■ Complete items 1, 2, and 3. Also complete
item 4 If Restricted Delivery is desired.
■ Print your name and address on the reverse
so that we can return the card to you.
■ Attach this card to the back of the mailpiece,
or on the front if space permits.
1. Article Addressed to:
A Si n��
❑ Agent
❑ Addre
B. deceived by ( Printed Name) I C.45etea-p4
D. Is delivery address different from Item 14 U Yes
If YES, enter delivery address below: 0
3. S. ype
Msa ❑ Express Mail
❑ Registered ❑ Rehan Receipt for Merchandise
❑ Insured Mail ❑ C.O.D.
4. Restricted Delivery? Pray Feat ❑ Yes
2. (7-mns rfromNumb7012 2920 0000 7420 8619
(Iiansler Irom service laoeq 9
Ps Form 3811, February 2004 Domestic Return Receipt toss -M-IW

UNITFp aSTATES,PQPTAL SERYIGE
NCII z.�1* •4
• Sender: Please print your name, address,
1�1 CD
this box
�j
2%�SLQ0

FINAL PLAN OF BRIDGE POINTE HARBOUR, A PLANNED
UNIT DEVELOPMENT. RECORDED IN PLAT CABINET F,
SLIDE 135-8. CRAVEN COUNTY REGISTRY.
4
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FINAL PLAN OF BRIDGE POINTE HARBOUR, A PLANNED
UNIT DEVELOPMENT, RECORDED IN PLAT CABINET F,
SLIDE 135-8. CRAVEN COUNTY REGISTRY.
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THDEPARTMENT RMUR �ORTATION

Division o' Coastzd Management
Application Processing Notes
Type: (check all that apply)
New)L Major Mod_ Minor Mod_ Renewal_ Transfer
0
Permit Coordinator:
Field Representative:
Date Time
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