NCG550092_Owner (Name Change)_20221017

ROY COOPER 4, I°
Governor a i' ' i
DIONNE DELLI-GATTI
Secretary
S.DANIEL SMITH NORTH CAROLINA
Director EnWronmental:Quality
PERMIT NAME/OWNERSHIP CHANGE FORM
I. CURRENT PERMIT INFORMATION:
Permit Number: NCO() / / / / or NCGS_5 /_0 / 0 / 9 / 2_
1. Facility Name: 5959 Holder Road, Clemmons,NC, 27012R ,C VED
II. NEW OWNER/NAME INFORMATION:
OCT 1 NU
1. This request for a name change is a result of: A`❑
X a. Change in ownership of property/company NCDEQID NRINPDES
b. Name change only
c. Other(please explain):
2. New owner's name(name to be put on permit):
Rhonda Baxley d B ria..h _6/lu11 lill
3. New owner's or signing official's name and title: Rhonda Baxley 1 d3r(i)Irk- +
(Person legally responsible for permit)
Owner
(Title)
4. Mailing address: 5'f' /-1-a%1er R - City: ele6WPlO1S
State: 41e._ Zip Code: 2701 2- Phone: (7f ) f 75 -33 / H
E-mail address: )7GLj(.Lb' rhein if 9 ii ittl . e
owl
THIS APPLICATION PACKAGE WILL NOT BE ACCEPTACCEPTE6 BY THE DIVISION UNLESS ALL OF
THE APPLICABLE ITEMS LISTED BELOW ARE INCLUDED WITH THE SUBMITTAL.
REQUIRED ITEMS:
1. This completed application form
2. Legal documentation of the transfer of ownership (such as a property deed, articles of incorporation,
or sales agreement)
[see reverse side of this page for signature requirements]
North Carolina Department of Environmental Qualify I Division of Water Resources
DEQ 512 NorthSalisbury Street I-lidMail Service Center I Raleigh,North Carolina 27699-1617
NORiH CARDLINA
o.�wmia aw, 919.707.9000'

NPDES Name&Ownership Change
Page 2 of 2
Applicant's Certification:
I, Q� 3bJ/ ('L1/ , attest that this application for a
name/ownership change has bee reviewed and is accurate and complete to the best of my knowledge. I
understand that if all required p s of this application are not completed and that if all required
supporting information and attachments are not included, this application package will be returned as
incomplete.
Signature. LULL, Date: ® ! /02.2
THE COMPLETED APPLICATION PACKAGE,INCLUDING ALL SUPPORTING
INFORMATION & MATERIALS, SHOULD BE SENT TO THE FOLLOWING ADDDRESS:
NC DEQ/DWR/NPDES
1617 Mail Service Center
Raleigh, North Carolina 27699-1617
Version 11/2020

(Space Above This Line For Recording Data)
DEED OF TRUST
When recorded,return to:
Capital Center L.L.C.
4510 Cox Road,Suite 402
Glen Allen,VA 23060
This document was prepared by:
Capital Center L.L.C.
4510 Cox Road,Suite 402
Glen Allen,VA 23060
Title Order No.: 21-08445WS
LOAN#:2011054108
MIN 1002919-0000093241-5
DEFINITIONS MERS PHONE#:[phone]
Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11,
13, 18,20 and 21.Certain rules regarding the usage of words used in this document are also provided in Section
16.
(A)"Security Instrument"means this document,which is dated April 30,2021, together with
all Riders to this document.
(B)"Borrower"is BRIAN T.BAXLEY AND RHONDA D.BAXLEY,HUSBAND AND WIFE.
Borrower is the trustor under this Security Instrument
(C) "Lender"is Capital Center L.L.C..
Lender is a Limited Liability Company, organized and existing under the laws of
Virginia. Lender's address is 4510 Cox Road,Suite 402,
Glen Allen,VA 23060.
(D) "Trustee"is Matthew B Jones.
(E) "MERS"is Mortgage Electronic Registration Systems,Inc.MERS is a separate corporation that is acting solely as
a nominee for Lender and Lender's successors and assigns.MERS Is the beneficiary under this Security Instrument.
MERS is organized and existing under the laws of Delaware,and has an address and telephone number of P.O.Box
2026,Flint,MI 48501-2026,tel.(888)679-MERS.
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(F) "Note"means the promissory note signed by Borrower and dated April 30,2021. The Note
states that Borrower owes Lender THREE HUNDRED TWENTY FOUR THOUSAND AND NO/100*************
Dollars(U.S. $324,000.00
plus interest.Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later
than May 1,2051.
(G)"Property"means the property that is described below under the heading"Transfer of Rights in the Property.'
(H)"Loan"means the debt evidenced by the Note,plus interest,any prepayment charges and late charges due under
the Note,and all sums due under this Security Instrument,plus interest.
(I) "Riders"means all Riders to this Security Instrument that are executed by Borrower.The following Riders are to be
executed by Borrower[check box as applicable]:
❑Adjustable Rate Rider 0 Condominium Rider Cl Second Home Rider
❑Balloon Rider ❑Planned Unit Development Rider ❑Other(s)[specify]
❑1-4 Family Rider ❑Biweekly Payment Rider
❑V.A.Rider
(J) "Applicable Law"means all controlling applicable federal,state and local statutes,regulations,ordinances and
administrative rules and orders(that have the effect of law)as well as all applicable final,non-appealable judicial
opinions.
(K) "Community Association Dues,Fees,and Assessments"means all dues,fees,assessments and other charges
that are imposed on Borrower or the Property by a condominium association, homeowners association or similar
organization.
(L) "Electronic Funds Transfer"means any transfer of funds,other than a transaction originated by check,draft,or
similar paper instrument,which is initiated through an electronic terminal,telephonic instrument,computer,or magnetic
tape so as to order,instruct,or authorize a financial institution to debit or credit an account.Such term includes,but is
not limited to,point-of-sale transfers,automated teller machine transactions,transfers initiated by telephone,wire
transfers,and automated clearinghouse transfers.
(NI)"Escrow Items"means those items that are described in Section 3.
(N)"Miscellaneous Proceeds"means any compensation,settlement,award of damages,or proceeds paid by any
third party(other than insurance proceeds paid under the coverages described in Section 5)for:(i)damage to,or
destruction of,the Property;(ii)condemnation or other taking of all or any part of the Property;(iii)conveyance in lieu
of condemnation;or(iv)misrepresentations of,or omissions as to,the value and/or condition of the Property.
(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
01)any amounts under Section 3 of this Security Instrument.
(Q)"RESPA" means the Real Estate Settlement Procedures Act(12 U.S.C.§2601 et seq.)and its implementing
regulation,Regulation X(12 C.F.R.Part 1024),as they might be amended from time to time,or any additional or
successor legislation or regulation that governs the same subject matter.As used in this Security Instrument,`RESPA°
refers to all requirements and restrictions that are Imposed in regard to a"federally related mortgage loan"even if the
Loan does not qualify as a"federally related mortgage loan"under RESPA.
(R) "Successor In Interest of Borrower"means any party that has taken title to the Property,whether or not that party
has assumed Borrower's obligations under the Note and/or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
The beneficiary of this Security Instrument is MERS(solely as nominee for Lender and Lender's successors and assigns)
and the successors and assigns of MERS.This Security Instrument secures to Lender.(i)the repayment of the Loan,
and all renewals,extensions and modifications of the Note;and(ii)the performance of Borrower's covenants and
agreements under this Security Instrument and the Note..For this purpose,Borrower irrevocably grants and conveys
to Trustee and Trustee's successors and assigns,in trust,with power of sale,the following described property located
in the County [Type of Recording Jurisdiction]Of Forsyth
[Name of Recording Jurisdiction]:
SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS"EXHIBIT A".
which currently has the address of 5959 Holder Rd,Clemmons,
[Street][City]
North Carolina 27012 ("Property Address"):
[Tip Code)
TO HAVE AND TO HOLD this property unto Trustee and Trustee's successors and assigns,forever,together with
all the improvements now or hereafter erected on the property,and all easements,appurtenances,and fixtures now or
hereafter a part of the property.All replacements and additions shall also be covered by this Security Instrument.All of
the foregoing is referred to in this Security Instrument as the"Property."Borrower understands and agrees that MERS
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holds only legal title to the interests granted by Borrower in this Security Instrument,but,if necessary to comply with
law or custom,MERS(as nominee for Lender and Lender's successors and assigns)has the right:to exercise any or
all of those interests,including,but not limited to,the right 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 to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with
limited variations by jurisdiction to constitute a uniform security instrument covering real property.
UNIFORM COVENANTS.Borrower and Lender covenant and agree as follows:
1. Payment of Principal,Interest,Escrow Items,Prepayment Charges,and Late Charges.Borrower shall pay
when due the principal of,and interest on,the debt evidenced by the Note and any prepayment charges and late charges
due under the Note.Borrower shall also pay funds for Escrow Items pursuant to Section 3.Payments due under the
Note and this Security Instrument shall be made in U.S.currency.However,if any check or other instrument received
by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid,Lender may require that
any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following
forms,as selected by Lender.(a)cash;(b)money order,(c)certified check,bank check,treasurer's check or cashier's
check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency,
instrumentality,or entity;or(d)Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location designated in the Note or at such other
location as may be designated by Lender in accordance with the notice provisions in Section 15.Lender may return any
payment or partial payment if the payment or partial payments are insufficient to bring the Loan current.If Borrower has
breached any covenant or agreement in this Security Instrument and Lender has accelerated the obligations of Borrower
hereunder pursuant to Section 22 then Lender may accept any payment or partial payment insufficient to bring the Loan
current,without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in
the future,but Lender is not obligated to apply such payments at the time such payments are accepted.if each Periodic
Payment is applied as of its scheduled due date,then Lender need not pay interest on unapplied funds.Lender may
hold such unapplied funds until Borrower makes payment to bring the Loan current.If Borrower does not do so within
a reasonable period of time,Lender shall either apply such funds or return them to Borrower.If not applied earlier,such
funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure.No offset or
claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due
under the Note and this Security Instrument or performing the covenants and agreements secured by this Security
Instrument.
2. Application of Payments or Proceeds.Except as otherwise described in this Section 2,all payments accepted
and applied by Lender shall be applied in the following order of priority:(a)interest due under the Note;(b)principal
due under the Note;(c)amounts due under Section 3.Such payments shall be applied to each Periodic Payment in the
order in which it became due.My remaining amounts shall be applied first to late charges,second to any other amounts
due under this Security Instrument,and then to reduce the principal balance of the Note.
if Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount
to pay any late charge due,the payment may be applied to the delinquent payment and the late charge.If more than
one Periodic Payment is outstanding,Lender may apply any payment received from Borrower to the repayment of the
Periodic Payments if,and to the extent that,each payment can be paid in full.To the extent that any excess exists after
the payment is applied to the full payment of one or more Periodic Payments,such excess may be applied to any late
charges due.Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note.
Any application of payments,insurance proceeds,or Miscellaneous Proceeds to principal due under the Note shall
not extend or postpone the due date,or change the amount,of the Periodic Payments.
3. Funds for Escrow Items.Borrower shall pay to Lender on the day Periodic Payments are due under the Note,
until the Note is paid in full,a sum(the"Funds")to provide for payment of amounts due for.(a)taxes and assessments
and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property;(b)
leasehold payments or ground rents on the Property,if any;(c)premiums for any and all insurance required by Lender
under Section 5;and(d)Mortgage Insurance premiums,if any,or any sums payable by Borrower to Lender in lieu of
the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10.These items are called
"Escrow Items."At origination or at any time during the term of the Loan,Lender may require that Community Association
Dues,Fees,and Assessments,if any,be escrowed by Borrower,and such dues,fees and assessments shall be an
Escrow Item.Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section.Borrower
shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or
all Escrow Items.Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time.
Any such waiver may only be in writing.In the event of such waiver,Borrower shall pay directly,when and where payable,
the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and,if Lender requires,
shall furnish to Lender receipts evidencing such payment within such time period as Lender may require.Borrower's
obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and
agreement contained in this Security Instrument, as the phrase"covenant and agreement"is used in Section 9. If
Borrower is obligated to pay Escrow Items directly,pursuant to a waiver,and Borrower fails to pay the amount due for
an Escrow Item,Lender may exercise Its rights under Section 9 and pay such amount and Borrower shall then be
obligated under Section 9 to repay to Lender any such amount.Lender may revoke the waiver as to any or all Escrow
Items at any time by a notice given in accordance with Section 15 and,upon such revocation,Borrower shall pay to
Lender all Funds,and in such amounts,that are then required under this Section 3.
Lender may,at any time,collect and hold Funds in an amount(a)sufficient to permit Lender to apply the Funds at
the time specified under RESPA,and(b)not to exceed the maximum amount a lender can require under RESPA.Lender
shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future
Escrow Items or otherwise in accordance with Applicable Law.
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The Funds shall be held in an institution whose deposits are insured by a federal agency,instrumentality,or entity
(including Lender,if Lender is an institution whose deposits are so insured)or in any Federal Home Loan Bank.Lender
shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA.Lender shall not charge
Borrower for holding and applying the Funds,annually analyzing the escrow account,or verifying the Escrow Items,
unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge.Unless
an agreement is made in writing or Applicable Law requires interest to be paid on the Funds,Lender shall not be required
to pay Borrower any interest or earnings on the Funds.Borrower and Lender can agree in writing,however,that interest
shall be paid on the Funds.Lender shall give to Borrower,without charge,an annual accounting of the Funds as required
by RESPA.
If there is a surplus of Funds held in escrow,as defined under RESPA,Lender shall account to Borrower for the
excess funds in accordance with RESPA.If there is a shortage of Funds held in escrow,as defined under RESPA,Lender
shall notify Borrower as required by RESPA,and Borrower shall pay to Lender the amount necessary to make up the
shortage in accordance with RESPA,but In no more than 12 monthly payments.If there is a deficiency of Funds held
in escrow,as defined under RESPA,Lender shall notify Borrower as required by RESPA,and Borrower shall pay to
Lender the amount necessary to make up the deficiency in accordance with RESPA,but in no more than 12 monthly
payments.
Upon payment In full of all sums secured by this Security Instrument,Lender shall promptly refund to Borrower any
Funds held by Lender.
4. Charges;Liens.Borrower shall pay all taxes,assessments,charges,fines,and impositions attributable to the
Property which can attain priority over this Security Instrument,leasehold payments or ground rents on the Property,
if any,and Community Association Dues,Fees,and Assessments,if any.To the extent that these items are Escrow Items,
Borrower shall pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower:(a)
agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender,but only so long
as Borrower is performing such agreement;(b)contests the lien in good faith by,or defends against enforcement of the
lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those
proceedings are pending,but only until such proceedings are concluded;or(c)secures from the holder of the lien an
agreement satisfactory to Lender subordinating the lien to this Security Instrument.If Lender determines that any part
of the Property is subject to a lien which can attain priority over this Security Instrument,Lender may give Borrower a
notice identifying the lien.Within 10 days of the date on which that notice is given,Borrower shall satisfy the lien or take
one or more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used
by Lender in connection with this Loan.
5. Property Insurance.Borrower shall keep the improvements now existing or hereafter erected on the Property
insured against loss by fire,hazards included within the term"extended coverage,"and any other hazards including,
but not limited to,earthquakes and floods,for which Lender requires insurance.This insurance shall be maintained in
the amounts(including deductible levels)and for the periods that Lender requires.What Lender requires pursuant to
the preceding sentences can change during the term of the Loan.The insurance carrier providing the insurance shall
be chosen by Borrower subject to Lender's right to disapprove Borrower's choice,which right shall not be exercised
unreasonably.Lender may require Borrower to pay,In connection with this Loan,either:(a)a one-time charge for flood
zone determination,certification and tracking services; or(b)a one-time charge for flood zone determination and
certification services and subsequent charges each time remappings or similar changes occur which reasonably might
affect such determination or certification.Borrower shall also be responsible for the payment of any fees imposed by
the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting
from an objection by Borrower.
If Borrower fails to maintain any of the coverages described above,Lender may obtain insurance coverage,at
Lender's option and Borrower's expense.Lender Is under no obligation to purchase any particular type or amount of
coverage.Therefore,such coverage shall cover Lender,but might or might not protect Borrower,Borrower's equity in
the Property,or the contents of the Property,against any risk,hazard or liability and might provide greater or lesser
coverage than was previously in effect.Borrower acknowledges that the cost of the insurance coverage so obtained
might significantly exceed the cost of insurance that Borrower could have obtained.Any amounts disbursed by Lender
under this Section 5 shall become additional debt of Borrower secured by this Security Instrument.These amounts shall
bear interest at the Note rate from the date of disbursement and shall be payable,with such interest,upon notice from
Lender to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to
disapprove such policies,shall include a standard mortgage clause,and shall name Lender as mortgagee and/or as
an additional loss payee.Lender shall have the right to hold the policies and renewal certificates.If Lender requires,
Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices.If Borrower obtains any form
of insurance coverage,not otherwise required by Lender,for damage to,or destruction of,the Property,such policy shall
include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee.
In the event of loss,Borrower shall give prompt notice to the insurance carrier and Lender.Lender may make proof
of loss if not made promptly by Borrower.Unless Lender and Borrower otherwise agree in writing,any insurance
proceeds,whether or not the underlying insurance was required by Lender,shall be applied to restoration or repair of
the Property,if the restoration or repair is economically feasible and Lender's security is not lessened,During such repair
and restoration period,Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity
to inspect such Property to ensure the work has been completed to Lender's satisfaction,provided that such inspection
shall be undertaken promptly.Lender may disburse proceeds for the repairs and restoration in a single payment or in
a series of progress payments as the work is completed.Unless an agreement is made in writing or Applicable Law
requires interest to be paid on such insurance proceeds,Lender shall not be required to pay Borrower any interest or
earnings on such proceeds.Fees for public adjusters,or other third parties,retained by Borrower shall not be paid out
of the insurance proceeds and shall be the sole obligation of Borrower.If the restoration or repair is not economically
feasible or Lender's security would be lessened,the insurance proceeds shall be applied to the sums secured by this
Security Instrument,whether or not then due,with the excess,if any,paid to Borrower.Such insurance proceeds shall
be applied in the order provided for in Section 2.
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if Borrower abandons the Property,Lender may file,negotiate and settle any available insurance claim and related
matters.If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to
settle a claim,then Lender may negotiate and settle the claim.The 30-day period will begin when the notice is given.
in either event,or if Lender acquires the Property under Section 22 or otherwise,Borrower hereby assigns to Lender
(a)Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this
Security Instrument,and(b)any other of Borrower's rights(other than the right to any refund of unearned premiums
paid by Borrower)under all insurance policies covering the Property,insofar as such rights are applicable to the
coverage of the Property.Lender may use the insurance proceeds either to repair or restore the Property or to pay
amounts unpaid under the Note or this Security Instrument,whether or not then due.
6. Occupancy.Borrower shall occupy,establish,and use the Property as Borrower's principal residence within
60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal
residence for at least one year after the date of occupancy,unless Lender otherwise agrees in writing,which consent
shall not be unreasonably withheld,or unless extenuating circumstances exist which are beyond Borrower's control.
7. Preservation,Maintenance and Protection of the Property;Inspections.Borrower shall not destroy,damage or
impair the Property,allow the Property to deteriorate or commit waste on the Property.Whether or not Borrower Is residing
in the Property,Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value
due to its condition.Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible,
Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage.If insurance or
condemnation proceeds are paid in connection with damage to,or the taking of,the Property,Borrower shall be responsible
for repairing or restoring the Property only if Lender has released proceeds for such purposes.Lender may disburse proceeds
for the repairs and restoration in a single payment or in a series of progress payments as the work is completed.If the
insurance or condemnation proceeds are not sufficient to repair or restore the Property,Borrower is not relieved of Borrower's
obligation for the completion of such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property.If it has reasonable cause,
Lender may inspect the interior of the improvements on the Property.Lender shall give Borrower notice at the time of
or prior to such an interior inspection specifying such reasonable cause.
8. Borrower's Loan Application.Borrower shall be in default if,during the Loan application process,Borrower
or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially
false,misleading,or inaccurate information or statements to Lender(or failed to provide Lender with material information)
in connection with the Loan.Material representations include,but are not limited to,representations concerning
Borrower's occupancy of the Property as Borrower's principal residence.
9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument.If(a)Borrower
fails to perform the covenants and agreements contained in this Security Instrument,(b)there is a legal proceeding that
might significantly affect Lender's interest in the Property and/or rights under this Security Instrument(such as a
proceeding in bankruptcy,probate,for condemnation or forfeiture,for enforcement of a lien which may attain priority
over this Security instrument or to enforce laws or regulations),or(c)Borrower has abandoned the Property,then Lender
may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under
this Security Instrument,including protecting and/or assessing the value of the Property,and securing and/or repairing
the Property.Lender's actions can include,but are not limited to:(a)paying any sums secured by a lien which has priority
over this Security Instrument(b)appearing in court;and(c)paying reasonable attorneys'fees to protect its interest in
the Property and/or rights under this Security Instrument,including its secured position in a bankruptcy proceeding.
Securing the Property includes,but is not limited to,entering the Property to make repairs,change locks,replace or
board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous
conditions,and have utilities turned on or off.Although Lender may take action under this Section 9,Lender does not
have to do so and is not under any duty or obligation to do so.It is agreed that Lender incurs no liability for not taking
any or all actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this
Security Instrument.These amounts shall bear interest at the Note rate from the date of disbursement and shall be
payable,with such interest,upon notice from Lender to Borrower requesting payment.
If this Security Instrument is on a leasehold,Borrower shall comply with all the provisions of the lease.Borrower shall
not surrender the leasehold estate and interests herein conveyed or terminate or cancel the ground lease.Borrower shall
not,without the express written consent of Lender,alter or amend the ground lease.If Borrower acquires fee title to the
Property,the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing.
10. Mortgage Insurance.If Lender required Mortgage Insurance as a condition of making the Loan,Borrower shall
pay the premiums required to maintain the Mortgage Insurance in effect.If,for any reason,the Mortgage Insurance
coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance
and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance,
Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance
previously in effect,at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in
effect,from an alternate mortgage insurer selected by Lender.If substantially equivalent Mortgage Insurance coverage
is not available,Borrower shall continue to pay to Lender the amount of the separately designated payments that were
due when the insurance coverage ceased to be in effect Lender will accept,use and retain these payments as a non-
refundable loss reserve,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 underApplicable Law.Lender can no longer require
loss reserve payments if Mortgage Insurance coverage(in the amount and for the period that Lender requires)provided
by an insurer selected by Lender again becomes available,is obtained,and Lender requires separately designated
payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of
making the Loan and Borrower was required to make separately designated payments toward the premiums for
Mortgage Insurance,Borrower shall pay the premiums required to maintain Mortgage Insurance in effect,if permitted
under Applicable Law,or to provide a non-refundable loss reserve,until Lender's requirement for Mortgage Insurance
ends in accordance with any written agreement between Borrower and Lender providing for such termination or until
termination is required by Applicable Law.Nothing in this Section 10 affects Borrower's obligation to pay interest at the
rate provided in the Note.
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Mortgage Insurance reimburses Lender(or any entity that purchases the Note)for certain losses it may incur if
Borrower does not repay the Loan as agreed.Borrower is not a party to the Mortgage Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time,and may enter into
agreements with other parties that share or modify their risk,or reduce losses.These agreements are on terms and
conditions that are satisfactory to the mortgage insurer and the other party(or parties)to these agreements.These
agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer
may have available(which may include funds obtained from Mortgage Insurance premiums).
As a result of these agreements,Lender,any purchaser of the Note,another insurer,any reinsurer,any other entity,
or any affiliate of any of the foregoing,may receive(directly or indirectly)amounts that derive from(or might be
characterized as)a portion of Borrower's payments for Mortgage Insurance,in exchange for sharing or modifying the
mortgage insurer's risk,or reducing losses.If such agreement provides that an affiliate of Lender takes a share of the
insurer's risk in exchange for a share of the premiums paid to the insurer,the arrangement is often termed"captive
reinsurance.'Further:
(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage
Insurance,or any other terms of the Loan.Such agreements will not increase the amount Borrower will owe for
mortgage Insurance,and they will not entitle Borrower to any refund.
(b) Any such agreements will not affect the rights Borrower has-if any-with respect to the Mortgage
Insurance under the Homeowners Protection Act of 199E or any other law.These rights may Include the right to
receive certain disclosures,to request and obtain cancellation of the Mortgage Insurance,to have the Mortgage
insurance terminated automatically,and/or to receive a refund of any Mortgage Insurance premiums that were
unearned at the time of such cancellation or termination.
ii. Assignment of Miscellaneous Proceeds;Forfeiture.All Miscellaneous Proceeds are hereby assigned to and
shall be paid to Lender.
If the Property is damaged,such Miscellaneous Proceeds shall be applied to restoration or repair of the Property,
if the restoration or repair is economically feasible and Lender's security is not lessened.During such repair and
restoration period,Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity
to inspect such Property to ensure the work has been completed to Lender's satisfaction,provided that such inspection
shall be undertaken promptly.Lender may pay for the repairs and restoration in a single disbursement or in a series of
progress payments as the work is completed.Unless an agreement is made in writing or Applicable Law requires interest
to be paid-on such Miscellaneous Proceeds,Lender shall not be required to pay Borrower any interest or earnings on
such Miscellaneous Proceeds.If the restoration or repair is not economically feasible or Lender's security would be
lessened,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,whether or not
then due,with the excess,if any,paid to Borrower.Such Miscellaneous Proceeds shall be applied in the order provided
for in Section 2.
In the event of a total taking,destruction,or loss in value of the Property,the Miscellaneous Proceeds shall be applied
to the sums secured by this Security Instrument,whether or not then due,with the excess,if any,paid to Borrower.
in the event of a partial taking,destruction,or loss in value of the Property in which the fair market value of the Property
immediately before the partial taking,destruction,or loss in value is equal to or greater than the amount of the sums
secured by this Security Instrument immediately before the partial taking,destruction,or loss in value,unless Borrower
and Lender otherwise agree in writing,the sums secured by this Security Instrument shall be reduced by the amount
of the Miscellaneous Proceeds multiplied by the following fraction:(a)the total amount of the sums secured immediately
before the partial taking,destruction,or loss in value divided by(b)the fair market value of the Property immediately
before the partial taking,destruction,or loss in value.Any balance shall be paid to Borrower.
In the event of a partial taking,destruction,or loss in value of the Property in which the fair market value of the Property
immediately before the partial taking,destruction,or loss in value is less than the amount of the sums secured
immediately before the partial taking,destruction,or loss in value,unless Borrower and Lender otherwise agree in
writing,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not
the sums are then due.
If the Property is abandoned by Borrower,or if,after notice by Lender to Borrower that the Opposing Party(as defined
in the next sentence)offers to make an award to settle a claim for damages,Borrower fails to respond to Lender within
30 days after the date the notice is given,Lender is authorized to collect and apply the Miscellaneous Proceeds either
to restoration or repair of the Property or to the sums secured by this Security Instrument,whether or not then due.
"Opposing Party"means the third party that owes Borrower Miscellaneous Proceeds or the party against whom
Borrower has a right of action in regard to Miscellaneous Proceeds.
Borrower shall be in default if any action or proceeding,whether civil or criminal,is begun that,in Lender's judgment,
could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under
this Security Instrument.Borrower can cure such a default and,if acceleration has occurred,reinstate as provided in
Section 19,by causing the action or proceeding to be dismissed with a ruling that,in Lender's judgment,precludes
forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security
Instrument.The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest
in the Property are hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order
provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver.Extension of the time for payment or
modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any
Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of
Borrower.Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to
refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by
reason of any demand made by the original Borrower or any Successors in Interest of Borrower.Any forbearance by
Lender in exercising any right or remedy including,without limitation,Lender's acceptance of payments from third
persons,entities or Successors in Interest of Borrower or in amounts less than the amount then due,shall not be a waiver
of or preclude the exercise of any right or remedy.
13.Joint and Several Liability;Co-signers;Successors and Assigns Bound.Borrower covenants and agrees
that Borrower's obligations and liability shall be joint and several.However,any Borrower who co-signs this Security
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instrument but does not execute the Note(a"co-signer"):(a)is co-signing this Security Instrument only to mortgage,
grant and convey the co-signer's interest in the Property under the terms of this Security Instrument;(b)is not personally
obligated to pay the sums secured by this Security Instrument;and(c)agrees that Lender and any other Borrower can
agree to extend,modify,forbear or make any accommodations with regard to the terms of this Security Instrument or
the Note without the co-signer's consent.
Subject to the provisions of Section 18,any Successor in Interest of Borrower who assumes Borrower's obligations
under this Security Instrument in writing,and is approved by Lender,shall obtain all of Borrower's rights and benefits
under this Security Instrument.Borrower shall not be released from Borrower's obligations and liability under this
Security Instrument unless Lender agrees to such release in writing.The covenants and agreements of this Security
Instrument shall bind(except as provided in Section 20)and benefit the surrpgsors and assigns of Lender.
14. Loan Charges.Lender may charge Borrower fees for services performed in connection with Borrower's default,for
the purpose of protecting Lender's interest in the Property and rights under this Security Instrument,including,but not limited
to,attorneys'fees,property inspection and valuation fees.in regard to any other fees,the absence of express authority in
this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such
fee.Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges,and that law is finally interpreted so that the interest
or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits,then:(a)any
such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any
sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower.Lender may choose
to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower.If a refund
reduces principal,the reduction will be treated as a partial prepayment without any prepayment charge(whether or not
a prepayment charge is provided for under the Note).Borrower's acceptance of any such refund made by direct
payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge.
15. Notices.All notices given by Borrower or Lender in connection with this Security Instrument must be in writing.
Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when
mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means.Notice to any
one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise.The notice
address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender.
Borrower shall promptly notify Lender of Borrower's change of address.If Lender specifies a procedure for reporting
Borrower's change of address,then Borrower shall only report a change of address through that specified procedure.
There may be only one designated notice address under this Security Instrument at any one time.Any notice to Lender
shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has
designated another address by notice to Borrower.Any notice in connection with this Security Instrument shall not be
deemed to have been given to Lender until actually received by Lender.If any notice required by this Security Instrument
is also required under Applicable Law,the Applicable Law requirement will satisfy the corresponding requirement under
this Security Instrument.
16. Governing Law;Severability;Rules of Construction.This Security Instrument shall be governed by federal
law and the law of the jurisdiction in which the Property is located.All rights and obligations contained In this Security
Instrument are subject to any requirements and limitations of Applicable Law.Applicable Law might explicitly or implicitly
allow the parties to agree by contract or it might be silent,but such silence shall not be construed as a prohibition against
agreement by contract.In the event that any provision or clause of this Security Instrument or the Note conflicts with
Applicable Law,such conflict shall not affect other provisions of this Security Instrument or the Note which can be given
effect without the conflicting provision.
As used in this Security Instrument:(a)words of the masculine gender shall mean and include corresponding neuter
words or words of the feminine gender,(b)words in the singular shall mean and include the plural and vice versa;and
(c)the word"may"gives sole discretion without any obligation to take any action.
17.Borrower's Copy.Borrower shall be given one copy of the Note and of this Security Instrument.
18.Transfer of the Property or a Beneficial Interest in Borrower.As used in this Section 18,"Interest in the
Property"means any legal or beneficial interest in the Property,including,but not limited to,those beneficial interests
transferred in a bond for deed,contract for deed,installment sales contract or escrow agreement,the intent of which
is the transfer of title by Borrower at a future date to a purchaser.
If all or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower is not a natural
person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written consent,Lender may
require immediate payment in full of all sums secured by this Security Instrument.However,this option shall not be
exercised by Lender if such exercise is prohibited by Applicable Law.
If Lender exercises this option,Lender shall give Borrower notice of acceleration.The notice shall provide a period
of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay
all sums secured by this Security Instrument.If Borrower fails to pay these sums prior to the expiration of this period,
Lender may Invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower.
19. Borrower's Right to Reinstate After Acceleration.If Borrower meets certain conditions,Borrower shall have
the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of:(a)five days
before sale of the Property pursuant to any power of sale contained In this Security Instrument;(b)such other period
as Applicable Law might specify for the termination of Borrower's right to reinstate;or(c)entry of a judgment enforcing
this Security Instrument.Those conditions are that Borrower.(a)pays Lender all sums which then would be due under
this Security Instrument and the Note as if no acceleration had occurred;(b)cures any default of any other covenants
or agreements;(c)pays all expenses incurred in enforcing this Security Instrument,including,but not limited to,
reasonable attomeys'fees,property inspection and valuation fees,and other fees incurred for the purpose of protecting
Lender's interest in the Property and rights under this Security Instrument;and(d)takes such action as Lender may
reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument,and
Borrower's obligation to pay the sums secured by this Security Instrument,shall continue unchanged. Lender may
require that Borrower pay such reinstatement sums and expenses in one or more of the following forms,as selected
by Lender.(a)cash;(b)money order,(c)certified check,bank check,treasurer's check or cashier's check,provided
any such check is drawn upon an institution whose deposits are insured by a federal agency,instrumentality or entity;
or(d)Electronic Funds Transfer. Upon reinstatement by Borrower,this Security Instrument and obligations secured
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hereby shall remain fully effective as if no acceleration had occurred.However,this right to reinstate shall not apply in
the case of acceleration under Section 18.
20. Sale of Note;Change of Loan Servicer;Notice of Grievance.The Note or a partial interest in the Note
(together with this Security Instrument)can be sold one or more times without prior notice to Borrower.A sale might
result in a change in the entity(known as the"Loan Servicer")that collects Periodic Payments due under the Note and
this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security
Instrument,and Applicable Law.There also might be one or more changes of the Loan Servicer unrelated to a sale of
the Note.If there is a change of the Loan Servicer,Borrower will be given written notice of the change which will state
the name and address of the new Loan Servicer,the address to which payments should be made and any other
information RESPA requires in connection with a notice of transfer of servicing.If the Note is sold and thereafter the Loan
is serviced by a Loan Servicer other than the purchaser of the Note,the mortgage loan servicing obligations to Borrower
will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note
purchaser unless otherwise provided by the Note purchaser.
Neither Borrower nor Lender may commence,join,or be joined to any judicial action(as either an individual litigant
or the member of a class)that arises from the other party's actions pursuant to this Security Instrument or that alleges
that the other party has breached any provision of,or any duty owed by reason of,this Security Instrument,until such
Borrower or Lender has notified the other party(with such notice given in compliance with the requirements of Section
15)of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take
corrective action.If Applicable Law provides a time period which must elapse before certain action can be taken,that
time period will be deemed to be reasonable for purposes of this paragraph.The notice of acceleration and opportunity
to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section
18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20.
21.Hazardous Substances.As used in this Section 21:(a)"Hazardous Substances"are those substances defined
as toxic or hazardous substances,pollutants,or wastes by Environmental Law and the following substances:gasoline,
kerosene,other flammable or toxic petroleum products,toxic pesticides and herbicides,volatile solvents,materials
containing asbestos or formaldehyde,and radioactive materials;(b)"Environmental Law"means federal laws and laws
of the jurisdiction where the Property is located that relate to health,safety or environmental protection;(c)
"Environmental Cleanup"includes any response action,remedial action,or removal action,as defined in Environmental
Law;and(d)an"Environmental Condition"means a condition that can cause, contribute to,or otherwise trigger an
Environmental Cleanup.
Borrower shall not cause or permit the presence,use,disposal,storage,or release of any Hazardous Substances,
or threaten to release any Hazardous Substances,on or in the Property.Borrower shall not do,nor allow anyone else
to do,anything affecting the Property(a)that is in violation of any Environmental Law,(b)which creates an Environmental
Condition,or(c)which,due to the presence, use,or release of a Hazardous Substance,creates a condition that
adversely affects the value of the Property.The preceding two sentences shall not apply to the presence,use,or storage
on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal
residential uses and to maintenance of the Property(including,but not limited to,hazardous substances in consumer
products).
Borrower shall promptly give Lender written notice of(a)any investigation,claim,demand,lawsuit or other action
by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or
Environmental Law of which Borrower has actual knowledge,(b)any Environmental Condition,including but not limited
to,any spilling, leaking,discharge, release or threat of release of any Hazardous Substance,and (c)any condition
caused by the presence,use or release of a Hazardous Substance which adversely affects the value of the Property.
if Borrower learns,or is notified by any governmental or regulatory authority,or any private party,that any removal or
other remediation of any Hazardous Substance affecting the Property is necessary,Borrower shall promptly take all
necessary remedial actions in accordance with Environmental Law.Nothing herein shall create any obligation on Lender
for an Environmental Cleanup.
NON-UNIFORM COVENANTS.Borrower and Lender further covenant and agree as follows:
22. Acceleration;Remedies.Lender shall give notice to Borrower prior to acceleration following Borrower's
breach of any covenant or agreement in this Security Instrument(but not prior to acceleration under Section 18
unless Applicable Law provides otherwise).The notice shall specify:(a)the default;(b)the action required to
cure the default;(c)a date,not less than 30 days from the date the notice Is given to Borrower,by which the default
must be cured;and(d)that failure to cure the default on or before the date specified in the notice may result in
acceleration of the sums secured by this Security instrument and sale of the Property.The notice shall further
inform Borrower of the right to reinstate after acceleration and the right to assert In the foreclosure proceeding
the non-existence of a default or any other defense of Borrower to acceleration and sale.If the default is not cured
on or before the date specified in the notice,Lender at its option may require Immediate payment in full of all sums
secured by this Security instrument without further demand and may invoke the power of sale and any other
remedies permitted by Applicable Law.Lender shall be entitled to collect all expenses incurred in pursuing the
remedies provided in this Section 22,including,but not limited to,reasonable attorneys'fees and costs of title
evidence.
If Lender invokes the power of sale,and if it Is determined in a hearing held in accordance with Applicable
Law that Trustee can 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 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 0.00% of the gross sale price;(b)
to ail sums secured by this Security Instrument;and(c)any excess to the person or persons legally entitled to
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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,Lender or Trustee shall cancel this
Security Instrument.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. Lender may charge
Borrower a fee for 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 permitted under Applicable Law.
24.Substitute Trustee.Lender may from time to time remove Trustee and appoint a successor trustee to any
Trustee appointed hereunder by an instrument recorded in the county in which this Security Instrument is recorded.
Without conveyance 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.Attorneys'fees must be reasonable.
BY SIGNING UNDER SEAL BELOW,Borrower accepts and agrees to the terms and covenants contained in this
Security Instrument and in any Rider executed by Borrower and recorded with it.
(Seal)
BRIAN T.BAXLEY
(Seal)
RHONDA D.BAXLEY
STATE of }
} SS:
COUNTY of }
I certify that the following person(s)personally appeared before me this day,each acknowledging to me that
he or she voluntarily signed the foregoing document:BRIAN T.BAXLEY AND RHONDA D.BAXLEY,
Date: (Official Seal)
Official Signature of Notary
Notary's printed or typed name,Notary Public
My commission expires:
Lender:Capital Center L.L.C.
NMLS ID:67717
Loan Originator:Adam Sugg
NMLS ID:1275453
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MIN:1002919-0000093241-5
SECOND HOME RIDER
THIS SECOND HOME RIDER is made this 30th day of April,2021 and
is incorporated into and shall be deemed to amend and supplement the Mortgage,
Deed of Trust,or Security Deed(the"Security Instrument")of the same date given b
the undersigned(the"Borrower"whether there are one or more persons undersigned
to secure Borrower's Note to Capital Center L.L.C.,a Limited Liability Company
(the"Lender")
of the same date and covering the Property described in the Security Instrument(the
"Property"), which is located at:5959 Holder Rd,Clemmons,NC 27012.
In addition to the covenants and agreements made in the Security Instrument,
Borrower and Lender further covenant and agree that Sections 6 and 8 of the Security
Instrument are deleted and are replaced by the following:
6. Occupancy.Borrower will occupy and use the Property as Borrower's second
home.Borrower will maintain exclusive control over the occupancy of the Property,
including short-term rentals,and will not subject the Property to any timeshanng 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
or entity any control over the occupancy or use of the Property.Borrower will keep
the Property available primarily as a residence for Borrowers personal use and
enjoyment for at least one year after the date of this Second Home Rider,unless
Lender otherwise agrees in writing,which consent shall not be unreasonably with-
held,or unless extenuating circumstances exist which are beyond Borrower's control.
8. Borrower's Loan Application.Borrower shall be in default if,during the Loan
application process,Borrower or any persons or entities acting at the direction of
Borrower or with Borrower's knowledge or consent gave materially false,mislead-
ing,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.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants
contained in this Second Home Rider.
(Seal)
BRIAN T.BAXLEY
(Seal)
RHONDA D.BAXLEY
MULTISTATE SECOND HOME RIDER—Single Family—Fannie MaelFreddie Mac UNIFORM INSTRUMENT
Form 38901/01(rev.4119)
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