U.S. Bank Trust National Association, as Trustee of CVI LCF Mortgage Loan Trust I v. Christopher D.A. Norton

IN THE DISTRICT COURT OF CARTER COUNTY STATE OF OKLAHOMA U.S. BANK TRUST NATIONAL ASSOCIATION, AS TRUSTEE OF CVI LCF MORTGAGE LOAN TRUST I, Plaintiff, v. CHRISTOPHER D.A. NORTON A/K/A CHRISTOPHER NORTON A/K/A CHRISTOPHER DAVID ALLEN NORTON; SPOUSE, IF ANY, OF CHRISTOPHER D.A. NORTON; JOHN DOE, OCCUPANT; RAY LONDON COMPANY, LLC; STATE OF OKLAHOMA EX REL OKLAHOMA TAX COMMISSION; AND APPROVED CASH ADVANCE Defendant(s). Case No. CJ-2020-44 PETITION COMES NOW the Plaintiff, U.S. Bank Trust National Association, as Trustee of CVI LCF Mortgage Loan Trust I, and for its cause of action against the above-named defendants, alleges and states: 1. That on August 29, 1996, Christopher D.A. Norton and Veronica K. Norton, for valuable consideration, executed a certain promissory note payable to Commercial Federal Mortgage Corporation in the principal sum of $36,250.00, and that the Plaintiff is in possession of and is the holder of and is entitled to enforce said note, a full, true and correct copy of which is attached hereto, marked Exhibit "1" and made a part hereof. 2. That on August 29, 1996, in order to secure the payment of said sum of money, as evidenced by the said note, and as part and parcel of said transaction, Christopher D.A. Norton and Veronica K. Norton, Husband and Wife, as owner(s) and mortgagor(s) of the hereinafter-described property, executed and delivered to Commercial Federal Mortgage Corporation, as mortgagee, a certain purchase money mortgage in which the said mortgagor(s) conveyed and mortgaged to the said mortgagee all of the following-described real estate situated in Carter County, State of Oklahoma, to-wit: A TRACT OF LAND WITHIN THE SE/4 OF SW/4 OF SECTION 25, TOWNSHIP 4 SOUTH, RANGE 2 WEST, CARTER COUNTY, OKLAHOMA, MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT A POINT ON THE NORTH RIGHT-OF-WAY LINE OF US HWY 70, SAID POINT BEING 98 FEET WEST AND 218.3 FEET NORTH OF THE SOUTHEAST CORNER OF SE/4 SW/4 OF SAID SECTION 25; THENCE NORTH AND PARALLEL WITH EAST LINE OF SAID SE/4 SW/4 A DISTANCE OF 449.7 FEET TO A POINT; THENCE WEST AND PARALLEL WITH NORTH LINE OF SAID SE/4 SW14, A DISTANCE OF 135 FEET TO A POINT; THENCE NORTH AND PARALLEL WITH EAST LINE OF SE/4 SW/4, A DISTANCE OF 269.2 FEET TO A POINT; THENCE WEST AND PARALLEL WITH NORTH LINE OF SE/4 SW/4 A DISTANCE OF 223 FEET TO A POINT; THENCE SOUTH AND PARALLEL WITH EAST LINE OF SE/4 SW/4, A DISTANCE OF 683.7 FEET TO A POINT ON NORTH RIGHT-OF-WAY LINE OF US HWY 70; THENCE SOUTHEASTERLY ALONG SAID RIGHT-OF-WAY LINE ON A CURVE LEFT AT A RADIUS OF 5579.58 FEET FOR A DISTANCE IF 361.2 FEET TO THE POINT OF BEGINNING PROPERTY ADDRESS: Rt 1, Box 330, Wilson, OK 73463 together with all buildings, improvements, fixtures, appurtenances and hereditaments appertaining or belonging thereto. 3. That on August 30, 1996, the said purchase money mortgage was filed of record, with mortgage tax paid thereon, in the office of the county clerk of Carter County, Oklahoma, in Book 3044 Page 25, a true and correct copy of which is attached hereto, marked Exhibit "2" and made a part hereof. 4. That on December 11, 2019, the said Purchase Money Mortgage was assigned to the Plaintiff by that certain assignment filed for record on January 9, 2020, in Book 6825 Page 25, records of said county and state, a copy of which is attached hereto, marked Exhibit "3" and made a part hereof. 5. That the subject note and mortgage as referenced herein were modified by that certain agreement recorded in book 3519, page 259, records of said county and state, which is attached hereto, marked Exhibit "4", or otherwise. 6. That defendant(s) Christopher David Allen Norton executed that certain modification agreement, thereby modifying the subject note and mortgage, herein were modified by that certain agreement recorded in book 6698, page 216, records of said county and state, which is attached hereto, marked Exhibit "5", or otherwise. 7. That the subject property was conveyed to the defendant(s), Ray London Company, LLC by that certain deed recorded in Book 3455 Page 93, records of said county and state, which is incorporated herein by reference. 8. That the defendants, Veronica Kay Norton and Christopher Norton, were divorced pursuant to that certain decree of divorce entered on May 27, 2011, case number FD-2011-47, records of said county and state, and that the subject property was conveyed to the defendant, Christopher Norton, by certain quit claim deed recorded in book 5354, page 210, records of said county and state. 9. That default has occurred in that the monthly payment due for August 1, 2019 and thereafter has not been made as provided in the note and purchase money mortgage; that the Plaintiff hereby declares the whole of said indebtedness due and payable, and elects to have the purchase money mortgage foreclosed and the mortgaged premises sold to satisfy said indebtedness; and that the option to waive or not waive appraisement of said premises will be exercised at the time of foreclosure judgment. 10. That there is due and owing on said note and purchase money mortgage the principal sum of $38,451.16, plus interest from and after July 1, 2019, until paid, together with a reasonable attorney's fee, abstracting cost of $300.00, late charges, all advances for taxes, insurance premiums, property preservation expenses, and costs of this action. 11. That the following defendant(s) may claim an interest in the subject property, the exact nature of which is unknown except as hereinafter stated, but that any such interest is junior and inferior to the first mortgage lien of the Plaintiff, to-wit: John Doe, occupant, by reason of occupancy, or otherwise. Ray London Company, LLC by reason of that certain deed, recorded in book 3455, page 93, records of said county and state, which is incorporated herein by reference, or otherwise. State of Oklahoma ex rel Oklahoma Tax Commission by reason of that certain tax warrant number ITI2012002163-00 recorded in book 5488, page 114, records of said county and state, which is attached hereto and marked Exhibit number "6", or otherwise. Approved Cash Advance by reason of that certain judgment rendered in case number SC-2015-0911, filed on November 4, 2015, records of said county and state, which is incorporated herein by reference, or otherwise. 12. That the defendant(s), Christopher David Allen Norton and Veronica K. Norton, filed for bankruptcy relief in the Eastern District of Oklahoma, case number 00-71017, (Chapter 7), that said defendant(s) entered into a reaffirmation agreement with the plaintiff on May 15, 2000, as filed of record and incorporated herein by reference. WHEREFORE, Plaintiff prays that it recover a judgment against the defendant(s), Christopher D.A. Norton, in the principal sum of $38,451.16, plus interest from and after July 1, 2019, until paid, together with a reasonable attorney's fee, abstracting cost of $300.00, late charges, all advances for taxes, insurance premiums, property preservation expenses, and costs of this action; that it further recover a judgment of foreclosure against all defendants decreeing its purchase money mortgage to be a valid and subsisting first lien on the real estate herein described for the full amount of the judgment; that said purchase money mortgage be foreclosed, and that said property be sold at sheriff's sale to satisfy the indebtedness secured thereby; that all defendants, and each of them, and all those claiming by, through or under them since the commencement of this action, be forever barred, foreclosed, and enjoined from asserting or claiming any right, title, interest, or estate in or to the said premises; and that it recover such other and further relief as may be just and equitable. SHAPIRO & CEJDA, LLC By: Kristan A. Bolding Kirk J. Cejda #12241 Lesli Peterson #14177 Ken Hemry #4073 Lyna L. Mitchell #30177 Kristan A. Bolding #22498 770 NE 63rd St Oklahoma City, OK 73105-6431 (405) 848-1819 Attorneys for Plaintiff File no. 20-136276 NOTE AUGUST 29, 1996 PONCA CITY, OKLAHOMA [City] [State] RT 1 BOX 330, WILSON, OK 73463 [Property Address] 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S.$36,250.00 (this amount is called "principal"), plus interest, to the order of the Lender. The Lender is COMMERCIAL FEDERAL MORTGAGE CORPORATION I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of principal has been paid. I will pay interest at a yearly rate of 9,000%. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of this Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making payments every month. I will make my monthly payments on the 1ST day of each month beginning on OCTOBER, 1996. I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. My monthly payments will be applied to interest before principal. If, on SEPTEMBER 1, 2026, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at 4501 DODGE ST., ATTN: PAYMENT PROCESSING, OMAHA, NE 68132 or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amount of U.S.$291.68 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of principal at any time before they are due. A payment of principal only is known as a "prepayment." When I make a prepayment, I will tell the Note Holder in writing that I am doing so. I may make a full prepayment or partial prepayments without paying any prepayment charge. The Note Holder will use all of my prepayments to reduce the amount of principal that I owe under this Note. If I make a partial prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (i) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (ii) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces principal, the reduction will be treated as a partial prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.00% of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is delivered or mailed to me. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS I and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. 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 delivered or mailed 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. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. [Signature] (Seal) SSN: [redacted] CHRISTOPHER D.A. NORTON - Borrower [Signature] (Seal) SSN: [redacted] VERONICA K. NORTON - Borrower [Signature] (Seal) SSN: [redacted] -Borrower [Signature] (Seal) SSN: [redacted] -Borrower (Sign Original Only) ALLONGE TO NOTE FOR ENDORSEMENTS Bayview Loan #: ______________________ Bank of the West Loan #: __________________ This ALLONGETONOTE is to that certain note dated August 29, 199 by Christopher D. A Norton and Veronica K. Norton in the amount of $36,250.00. This ALLONGE is affixed and becomes a permanent part of said note. PAY TO THE ORDER OF Bayview Loan Servicing, LLC WITHOUT RE COURSE BY BANK OF THE WEST, a California Banking corporation, successor by merger to Commercial Federal Bank A FSB, successor in interest to Commercial Federal Mortgage Corporation David Ellefsen, Vice President NOTE ADDENDUM -- PREPAYMENT PENALTY Cost Cutter Advantage Option The undersigned borrower, whether one or more, has simultaneously with the execution of this Note Addendum — Prepayment Penalty ("Addendum") received from Commercial Federal Mortgage Corporation ("Note Holder") a loan ("Loan") in the principal amount of THIRTY SIX THOUSAND, TWO HUNDRED FIFTY DOLLARS AND Dollars ($ 36,250.00 NO CENTS ), and has executed and delivered to Note Holder a Note ("Note") agreeing to repay said amount, together with interest as set forth in the Note. Borrower acknowledges that notwithstanding the pre-printed language in Paragraph 4 of the Note, said Paragraph 4 is hereby stricken, and the following paragraph is hereby inserted in its place and stead: 4. PREPAYMENT. At any time after the fifth loan year, the principal balance may be prepaid in whole or in part without penalty. At any time during the first five loan years, up to twenty percent (20%) of the principal balance outstanding on the first day of each such loan year may be prepaid during such year without penalty. In the event that the total of all prepayments of principal during any of the first five loan years exceeds twenty percent (20%) of the principal balance outstanding on the first day of such loan year, Borrower shall immediately, and without demand, pay to Note Holder a prepayment fee in an amount equal to two percent (2%) of the principal balance outstanding on the first day of such loan year. Note Holder shall not be obligated to accept any prepayment of the principal balance unless accompanied by the applicable prepayment fee. Failure to pay the prepayment fee shall constitute an event a default under the Note and any document or instrument securing the Note, and inadvertent acceptance of any prepayment without the applicable prepayment fee shall not constitute a waiver of Note Holder's right to receive the prepayment fee. Any payment of principal (other than the principal portion of scheduled installments of principal and interest in accordance with the terms of the Note) shall constitute a "prepayment" including, without limitation, any payment made at any time prior to, during, or after default and acceleration of the balance due. The term "loan year" as used in this Addendum shall mean each complete twelve (12) month period beginning with the date of the Note. AUGUST 29, 1996 Date AUGUST 29, 1996 Date CHRISTOPHER D.A NORTON VERONICA K. NORTON ALLONGE TO NOTE FOR PURPOSES OF FURTHER ENDORSEMENT OF THE NOTE REFERRED TO BE BORROWER: CHRISTOPHER D NORTON CO-BORROWER: CO-BORROWER: OBAL: $36,250.00 NOTE DATE 8/29/1996 ADDRESS: RT 1 BOX 330 WILSON, OK 73463 PAY TO THE ORDER OF: Bayview Dispositions IVa, LLC WITHOUT RE COURSE: BAYVIEW LOAN SERVICING, LLC BY: NAME: ESLOAN SOTOLONGO TITLE: Assistant Vice-President ALLONGE TO NOTE FOR PURPOSES OF FURTHER ENDORSEMENT OF THE NOTE REFERRED TO BE BORROWER: CHRISTOPHER D NORTON CO-BORROWER: CO-BORROWER: OBAL: $36,250.00 NOTE DATE 8/29/1996 ADDRESS: RT 1 BOX 330 WILSON, OK 73463 PAY TO THE ORDER OF: ATLANTICA, LLC WITHOUT RECOURSE: Bayview Dispositions IVa, LLC BY: NAME: ESLOAN SOTOLONGO TITLE: Assistant Vice-President Allonge to Note FOR PURPOSES OF FURTHER ENDORSEMENT OF THE NOTE REFERRED TO BELOW: LOAN NUMBER: [blacked out] OI # 47685570 NOTE AMOUNT: $36,250.00 BORROWER NAME: Veronica K. Norton CO-BORROWER NAME: CHRISTOPHER D. ALLEN NORTON PROPERTY ADDRESS: RT 1 BOX 330, WILSON, OK, 73463 ORIGINAL LENDER: COMMERCIAL FEDERAL MORTGAGE CORPORATION NOTE DATE: 8/29/1996 PAY TO THE ORDER OF: WITHOUT RE COURSE: Atlantica, LLC By: [signature] Name: ANGELIQUE C. MILLER Title: AUTHORIZED REPRESENTATIVE RECORDED AUG 30 8:36 AM '96 BOOK 3044 PAGE 25 ROYCE MOSER CARTER CO OKLA. [Space Above This Line For Recording Data] X MORTGAGE THIS MORTGAGE ("Security Instrument") is given on AUGUST 29, 1996. The mortgagor is CHRISTOPHER D.A. NORTON AND VERONICA K. NORTON, HUSBAND AND WIFE ("Borrower"). This Security Instrument is given to COMMERCIAL FEDERAL MORTGAGE CORPORATION which is organized and existing under the laws of NEBRASKA, and whose address is 2120 S. 72ND ST., OMAHA, NE 68124 ("Lender"). Borrower owes Lender the principal sum of THIRTY SIX THOUSAND, TWO HUNDRED FIFTY AND NO /100 Dollars (U.S.$ 36,250.00). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on SEPTEMBER 1, 2026. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender, with power of sale, the following described property located in CARTER County, Oklahoma: SEE ATTACHED 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 COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, 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 and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum ("Funds") for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ("RESPA"), unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may 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 Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may 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. However, Lender may require Borrower to pay a one-time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may 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, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note; second, to amounts payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Note. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. 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; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; 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 may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 5. Hazard or 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 floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. 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, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. 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 any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30-day period will begin when the notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty 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. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the 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. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, 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 approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one-twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the 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 condemnor offers to make an award or 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 proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments. 11. 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 any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successor in interest or 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 Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower'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 may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Security Instrument 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 under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. 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. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. 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 delivered or mailed 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. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) 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 attorneys' fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured 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 paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer") that collects monthly payments due under the Note and this Security Instrument. There also may 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 in accordance with paragraph 14 above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. 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. Borrower shall promptly give Lender written notice of 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. If Borrower learns, or is notified by any governmental or regulatory authority, 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. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances 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. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 21. Acceleration; Remedies. Lender shall give notice to Borrower as required by applicable law prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 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 35 days from the date the notice is given to Borrower, by which the default must be cured; (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; and (e) any other information required by applicable law. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert 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 costs and expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice in the manner required by applicable law to Borrower and any other persons prescribed by applicable law. Lender shall also publish the notice of sale, and the Property shall be sold, as prescribed by applicable law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the manner prescribed by applicable law. 22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs unless applicable law provides otherwise. 23. Waiver of Appraisement. Appraisement of the Property is waived or not waived at Lender's option, which shall be exercised before or at the time judgment is entered in any foreclosure. 24. Assumption Fee. If there is an assumption of this loan, Lender may charge an assumption fee of U.S. $ MAXIMUM ALLOWABLE FEE AT TIME OF ASSUMPTION. 25. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)] [ ] Adjustable Rate Rider [ ] Condominium Rider [ ] 1-4 Family Rider [ ] Graduated Payment Rider [ ] Planned Unit Development Rider [ ] Biweekly Payment Rider [ ] Balloon Rider [ ] Rate Improvement Rider [ ] Second Home Rider [ ] VA Rider [ ] Other(s) [specify] NOTICE TO BORROWER A power of sale has been granted in this Security Instrument. A power of sale may allow the Lender to take the Property and sell it without going to court in a foreclosure action upon default by Borrower under this Security Instrument. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Witnesses: (Seal) CHRISTOPHER D.A. NORTON - Borrower (Seal) VERONICA K. NORTON - Borrower (Seal) (Seal) -Borrower - Borrower STATE OF OKLAHOMA, County ss: CARTER The foregoing instrument was acknowledged before me this AUGUST 29, 1996 (date) by Witness my hand and seal on this date. My Commission Expires: 9/8/97 CHRISTOPHER D.A. NORTON AND VERONICA K. NORTON, HUSBAND AND WIFE (person acknowledging) Notary Public A tract of land within the SE/4 of SW/4 of Section 25, Township 4 South, Range 2 West, Carter County, Oklahoma, more particularly described as follows: Beginning at a point on the North right-of-way line of US HWY 70, said point being 98 feet West and 218.3 feet North of the Southeast Corner of SE/4 SW/4 of said Section 25; thence North and parallel with East line of said SE/4 SW/4, a distance of 449.7 feet to a point; thence West and parallel with North line of said SE/4 SW/4, a distance of 135 feet to a point; thence North and parallel with East line of SE/4 SW/4, a distance of 269.2 feet to a point; thence West and parallel with North line of SE/4 SW/4 a distance of 223 feet to a point; thence South and parallel with East line of SE/4 SW/4, a distance of 683.7 feet to a point on North right-of-way line of US HWY 70; thence Southeasterly along said right-of-way line on a curve left at a radius of 5579.58 feet for a distance if 361.2 feet to the point of beginning, LESS AND EXCEPT the oil, gas, coal, asphalt and other minerals or mineral rights of whatsoever type or character. ASSIGNMENT OF MORTGAGE/DEED OF TRUST Assignor: Anthium, LLC Assignee: U.S. BANK TRUST NATIONAL ASSOCIATION, AS TRUSTEE FOR CVI LCF MORTGAGE LOAN TRUST I For Value Received, the undersigned ANTHIUM, LLC, its successors and/or assigns, whose address is 2003 Western Avenue, Suite 340, Seattle; WA 98121, hereby conveys, assigns, and transfers to U.S. BANK TRUST NATIONAL ASSOCIATION, AS TRUSTEE FOR CVI LCF MORTGAGE LOAN TRUST I, its successors and/or assigns, whose address is 300 Delaware Avenue 9th Floor, Wilmington, DE 19801, all right, title, and interest under that certain Deed of Trust dated 08/29/1996 executed by CHRISTOPHER D.A. NORTON AND VERONICA K. NORTON, HUSBAND AND WIFE to COMMERCIAL FEDERAL MORTGAGE CORPORATION in the amount of $36,250.00 and recorded on 08/30/1996 as Instrument No.: 10349 in the Book/Volume or Liber No.: 3044 Page/Folio: 25 of Official Records in the County Recorder's office of CARTER County, OK describing land herein as: SEE ATTACHED 'EXHIBIT A.' Property Address: RT 1 BOX 330, WILSON, OK 73463 Together with the note or notes therein described or referred to, the money due and to become due thereon with interest, and all rights accrued or to accrue under said Mortgage/Deed of Trust/Security Deed. Dated: 12/11/2019 ANTHIUM, LLC Name: ANGELIQUE C. MILLER Title: Authorized Representative On 12/11/2019 before me, DOMINIC M. NICHOLAS, Notary Public, personally appeared ANGELIQUE C. MILLER, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that they executed the same in their authorized capacity(ies), and that by their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal. DOMINIC M. NICHOLAS Notary Public State of Washington Commission # 208888 My Comm. Expires May 30, 2023 EXHIBIT A LEGAL DESCRIPTION The following described real estate, situated in the County of Carter, State of Oklahoma, to-wit: Beginning at a point on the North Right of Way line of U.S. Highway #70, said point being 98 feet West and 218.3 feet North at the Southeast corner of the SE/4 SW/4 of said Section 25; thence North parallel with the East line of said SE/4 SW/4 a distance of 449.7 feet to a point; thence West and parallel with the North line of said SE/4 SW/4 a distance of 135 feet to a point thence North and parallel with the East line of said SE/4 SW/4 a distance of 269.2 feet to a point; thence West and parallel with the North line of said SE/4 SW/4 a distance of 223 feet to a point; thence South and parallel with the East line of SE/4 SW/4 a distance of 683.7 feet to a point on North right of way line of U.S. HWY 70: thence Southeasterly along said right-of-way line on a curve left at a radius of 5579.58 feet for a distance of 361.2 feet to the point of beginning, less and except all of the oil, gas and other minerals and less and except a tract of land located in the E/2 SE/4 SW/4 of Section 25, T4S, R2W Carter County Oklahoma, and more particularly described as follows, to-wit: Beginning at a point on the North Right of Way line of U.S. Highway #70, said point being 98 feet West and 218.3 feet North of the Southeast corner of the SE/4 SW/4 at said Section 25; thence North parallel with the East line of said SE/4 SW/4 a distance of 449.7 feet; thence West and parallel with the North line of said SE/4 SW/4 a distance of 135 feet, thence North and parallel with the East line of said SE/4 SW/4 a distance of 269.2 feet; thence West and parallel with the North line of said SE/4 SW/4 a distance of 223 feet; thence South and parallel with the East line of said SE/4 SW/4 a distance of 269.2 feet, to the exiting fence line; thence East along said existing fence line a distance of 156.952 feet to the intersection with an existing fence line; thence S 6 41" W along said fence line a distance of 431.4 feet, more or less, to a point on the North Right of Way Line of U.S. Highway #70; thence East along aid Right of Way line a distance of 252.15 feet, more or less, to the point of beginning, less and except all of the oil, gas and other minerals. LOAN MODIFICATION AGREEMENT (Providing for Fixed Interest Rate) This Loan Modification Agreement ("Agreement"). Made this .....2nd....... day of.............March....................... 20...00. between ........................................Christopher D. Norton, Veronica Norton.................................("Borrower") and ........................................................Commercial Federal Mortgage Corporation.............................................("Lender"), amends and supplements (1) the Mortgage Deed of Trust or Deed to Secure Debt (the "Security Instrument") dated ...August 29, 1996....... and recorded in Book or Liber .....3044.............................................at page(s) ........25-31.... of the ...........................................Official...............Records of........................Carter County, OK............................ [Name of Records] [County and State or other Jurisdiction] and (2) the Note bearing the same date as and secured by, the Security Instrument, which covers the real and personal property described in the Security Instrument and defined therein as the "Property", located at ............................................................Rt. 1Box 330 Wilson, OK 73463 ..................................................... [Property Address] the real property described being set forth as follows: SEE ATTACHED In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows (notwithstanding anything to the contrary contained in the Note or Security Instrument): 1. As of...March 1, 2000..........., the amount payable under the Note and the Security Instrument (the "Unpaid Principal Balance") is U.S. $ thirty seven thousand three hundred twenty seven dollars and sixty nine cents. (37,327.69)......, consisting of the amount(s) loaned to the Borrower by the Lender and any interest capitalized to date. 2. The Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of the Lender. Interest will be charged on the Unpaid Principal Balance at the yearly rate of ...9.00....% from ............March 1 ..................... 20...00... The Borrower promises to make monthly payments of principal and interest of U.S. $.308.63........... beginning on the ...1st........... day of ...April................................. 20...00.... and continuing thereafter on the same day of each succeeding month until principal and interest are paid in full. If on ...September 1, 2026............ ............................................................(the "Maturity Date"), the Borrower still owes amounts under the Note and the Security Instrument as amended by this Agreement, the Borrower will pay these amounts in full on the Maturity Date. The Borrower will make such payments at........P.O. Box 1103 Omaha, NE 68101-1103......................................... or at such other place as the Lender may require. 3. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in the Borrower is sold or transferred and the Borrower is not a natural person) without the Lender's prior written consent, the Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. If the Lender exercises this option, the Lender shall give the Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which the Borrower must pay all sums secured by this Security Instrument. If the Borrower fails to pay these sums prior to the expiration of this period, the Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on the Borrower. 4. The Borrower also will comply with all other covenants, agreements, and requirements of the Security Instrument, including without limitation, the Borrower's covenants and agreements to make all payments of taxes, insurance premiums, assessments, escrow items, impounds, and all other payments that the Borrower is obligated to make under the Security Instrument; however, the following terms and provisions are forever canceled, null and void, as of the date specified in paragraph No. I above; (a) all terms and provisions of the Note and Security Instrument (if any) providing for, implementing, or relating to, any change or adjustment in the rate of interest payable under the Note: and (b) all terms and provisions of any adjustable rate rider or other instrument or document that is affixed to, wholly or partially incorporated into, or is part of, the Note or Security Instrument and that contains any such terms and provisions as those referred to in (a) above. LOAN MODIFICATION AGREEMENT-Single Family-Fannie Mae Uniform Instrument 5. Nothing in this Agreement shall be understood or construed to be a satisfaction or release in whole or in part of the Note and Security Instrument. Except as otherwise specifically provided in this Agreement, the Note and Security Instrument will remain unchanged, and the Borrower and Lender will be bound by, and comply with, all of the terms and provisions thereof, as amended by this Agreement. CORPORATE SEAL ...(Seal) Christopher D. Norton (Seal) Lender Christopher D. Norton By: James C. Palmer Veronica Norton Borrower Sr. Vice President Veronica Norton Borrower [Space Below This Line For Acknowledgments] State of Nebraska County of Douglas Before me, a notary public in and for said county, personally appeared James C. Palmer, know to me to be the person who, as Vice President of Commercial Federal Mortgage Corporation, the corporation which executed the foregoing instrument signed the same, and that he did so sign said instrument in the name and upon behalf of said corporation as such officer; that the same is his free act and deed as such authorized thereunto by its board of directors; and that the seal affixed to said instrument is the corporate seal of said corporation. In testimony whereof, I have hereunto subscribed my name, and affixed my official seal, this 8th day of March 2000. JOHN G. WHITE My Comm. Exp. Sept. 1, 2002 State of Oklahoma County of In Center County, on the 24th day of March 2000, before me personally appeared Christopher D. Norton and Veronica Norton, to me know and known by me to be the party (or parties) executing the foregoing instrument, and (he and/or she) they acknowledged said instrument by him and/or her executed to be their free act and deed. Charlotte L. Ryan Notary Public This document prepared by: Commercial Federal Mortgage Corporation 10845 Harney St. Omaha, NE 68154 A tract of land within the SE/4 of SW/4 of Section 25, Township 4 South, Range 2 West, Carter County, Oklahoma, more particularly described as follows: Beginning at a point on the North right-of-way line of US HWY 70, said point being 98 feet West and 218.3 feet North of the Southeast Corner of SE/4 SW/4 of said Section 25; thence North and parallel with East line of said SE/4 SW/4, a distance of 449.7 feet to a point; thence West and parallel with North line of said SE/4 SW/4, a distance of 135 feet to a point; thence North and parallel with East line of SE/4 SW/4, a distance of 269.2 feet to a point; thence West and parallel with North line of SE/4 SW/4 a distance of 223 feet to a point; thence South and parallel with East line of SE/4 SW/4, a distance of 683.7 feet to a point on North right-of-way line of US HWY 70; thence Southeasterly along said right-of-way line on a curve left at a radius of 5579.58 feet for a distance if 361.2 feet to the point of beginning, LESS AND EXCEPT the oil, gas, coal, asphalt and other minerals or mineral rights of whatsoever type or character. After recording please return to: ServiceLink Attn: Loan Modification Solutions 3220 El Camino Real Irvine, CA 92602 Fee: $25.00 Doc: $0.00 Kayelyn Clubb – Carter County Clerk – RH State of Oklahoma [Space Above This Line For Recording Data] Original Principal Amount $36,250.00 Unpaid Principal Amount $27,906.20 New Principal Amount $38,859.56 Total Cap Amount $10,953.36 RECEIVED MTG. TAX $ 11.00 PAID ON Apr 02 2019 RECPT NO. 1269 MARSHA COLLINS, TREAS. CARTER CO. BY Deputy LOAN MODIFICATION AGREEMENT (Providing for Fixed Interest Rate) This Loan Modification Agreement ("Agreement"), made this 15th day of March, 2019, between CHRISTOPHER D.A. NORTON A/K/A CHRISTOPHER DAVID ALLEN NORTON SUCCESOR IN INTEREST TO CHRISTOPHER D.A. NORTON AND VERONICA K. NORTON, HUSBAND AND WIFE ("Borrower") and SELENE FINANCE LP, as attorney in fact for ANTHIUM, LLC ("Lender"), amends and supplements (1) the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument"), and Timely Payment Rewards Rider, if any, dated August 29, 1996, in the amount of $36,250.00 and recorded on August 30, 1996 in Book, Volume, or Liber No. 3044, at Page 25 (or as Instrument No. 010349), of the Official (Name of Records) Records of CARTER, OKLAHOMA (County and State, or other jurisdiction) and (2) the Note, bearing the same date as, and secured by, the Security Instrument, which covers the real and personal property described in the Security Instrument and defined therein as the "Property", located at RT 1 BOX 330 A/K/A 22620 US HWY 70, WILSON, OK 73463 (Property Address) the real property described being set forth as follows: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF: In consideration of the mutual promises and agreements exchanged, the parties hereto agree as follows (notwithstanding anything to the contrary contained in the Note or Security Instrument): 1. As of March 1, 2019, the amount payable under the Note and the Security Instrument (the "Unpaid Principal Balance") is U.S. $38,859.56, consisting of the unpaid amount(s) loaned to Borrower by Lender plus any interest and other amounts capitalized. 2. Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of Lender. Interest will be charged on the Unpaid Principal Balance at the yearly rate of 6.000%, from March 1, 2019. Borrower promises to make monthly payments of principal and interest of U.S. $232.98, beginning on the 1st day of April, 2019, and continuing thereafter on the same day of each succeeding month until principal and interest are paid in full. The yearly rate of 6.000% will remain in effect until principal and interest are paid in full. If on March 1, 2049 (the "Maturity Date"), Borrower still owes amounts under the Note and the Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date. 3. 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. 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 delivered or mailed 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. 4. Borrower also will comply with all other covenants, agreements, and requirements of the Security Instrument, including without limitation, Borrower's covenants and agreements to make all payments of taxes, insurance premiums, assessments, escrow items, impounds, and all other payments that Borrower is obligated to make under the Security Instrument; however, the following terms and provisions are forever canceled, null and void, as of the date specified in paragraph No. 1 above: a) all terms and provisions of the Note and Security Instrument (if any) providing for, implementing, or relating to, any change or adjustment in the rate of interest payable under the Note, including, where applicable, the Timely Payment Rewards rate reduction, as described in paragraph 1 of the Timely Payment Rewards Addendum to Note and paragraph A.1. of the Timely Payment Rewards Rider. By executing this Agreement, Borrower waives any Timely Payment Rewards rate reduction to which Borrower may have otherwise been entitled; and b) all terms and provisions of any adjustable rate rider, or Timely Payment Rewards Rider, where applicable, or other instrument or document that is affixed to, wholly or partially incorporated into, or is part of, the Note or Security Instrument and that contains any such terms and provisions as those referred to in (a) above. 5. Borrower understands and agrees that: a) All the rights and remedies, stipulations, and conditions contained in the Security Instrument relating to default in the making of payments under the Security Instrument shall also apply to default in the making of the modified payments hereunder. b) All covenants, agreements, stipulations, and conditions in the Note and Security Instrument shall be and remain in full force and effect, except as herein modified, and none of the Borrower’s obligations or liabilities under the Note and Security Instrument shall be diminished or released by any provisions hereof, nor shall this Agreement in any way impair, diminish, or affect any of Lender’s rights under or remedies on the Note and Security Instrument, whether such rights or remedies arise thereunder or by operation of law. Also, all rights of recourse to which Lender is presently entitled against any property or any other persons in any way obligated for, or liable on, the Note and Security Instrument are expressly reserved by Lender. c) Nothing in this Agreement shall be understood or construed to be a satisfaction or release in whole or in part of the Note and Security Instrument. d) All costs and expenses incurred by Lender in connection with this Agreement, including recording fees, title examination, and attorney’s fees, shall be paid by the Borrower and shall be secured by the Security Instrument, unless stipulated otherwise by Lender. e) Borrower agrees to make and execute such other documents or papers as may be necessary or required to effectuate the terms and conditions of this Agreement which, if approved and accepted by Lender, shall bind and inure to the heirs, executors, administrators, and assigns of the Borrower. f) Borrower authorizes Lender, and Lender’s successors and assigns, to share Borrower information including, but not limited to (i) name, address, and telephone number, (ii) Social Security Number, (iii) credit score, (iv) income, (v) payment history, (vi) account balances and activity, including information about any modification or foreclosure relief programs, with Third Parties that can assist Lender and Borrower in obtaining a foreclosure prevention alternative, or otherwise provide support services related to Borrower’s loan. For purposes of this section, Third Parties include a counseling agency, state or local Housing Finance Agency or similar entity, any insurer, guarantor, or servicer that insures, guarantees, or services Borrower’s loan or any other mortgage loan secured by the Property on which Borrower is obligated, or to any companies that perform support services to them in connection with Borrower’s loan. Borrower consents to being contacted by Lender or Third Parties concerning mortgage assistance relating to Borrower’s loan including the trial period plan to modify Borrower’s loan, at any telephone number, including mobile telephone number, or email address Borrower has provided to Lender or Third Parties. By checking this box, Borrower also consents to being contacted by text messaging ☐. 6. By this paragraph, Lender is notifying Borrower that any prior waiver by Lender of Borrower’s obligation to pay to Lender Funds for any or all Escrow Items is hereby revoked, and Borrower has been advised of the amount needed to fully fund the Escrow Items. Christopher D.A. Norton A/K/A CHRISTOPHER DAVID ALLEN NORTON (Seal) -Borrower A/K/A CHRISTOPHER DAVID ALLEN NORTON (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower ACKNOWLEDGMENT State of Oklahoma County of Carter instrument was acknowledged before me on March 22, 2019 by CHRISTOPHER D.A. NORTON A/K/A CHRISTOPHER DAVID ALLEN NORTON. Signature of Notarial Officer Printed Name Title or Rank My Commission Expires: 11/02/2020 ACCEPTED AND AGREED TO BY THE OWNER AND HOLDER OF SAID NOTE SELENE FINANCE LP, as attorney in fact for ANTHIUM, LLC By: [signature] Tonya Higginbotham Assistant Vice President - Lender Date of Lender's Signature 3/27/19 ACKNOWLEDGMENT State of Florida County of Duval The foregoing instrument was acknowledged before me this 3/27/2019 by Tonya Higginbotham, Assistant Vice President of SELENE FINANCE LP, as attorney in fact for ANTHIUM, LLC, a Delaware limited partnership, on behalf of the limited partnership. He/she is personally known to me or who has produced [initials] as identification. Signature of Person Taking Acknowledgment Kristina Gorman Name Type, Printed or Stamped Title or Rank Serial Number, if any: My Commission Expires: 2/2/2021 Kristina Gorman NOTARY PUBLIC STATE OF FLORIDA Comm# GG068928 Expires 2/2/2021 (Seal) EXHIBIT A BORROWER(S): CHRISTOPHER D.A. NORTON A/K/A CHRISTOPHER DAVID ALLEN NORTON SUCCESSOR IN INTEREST TO CHRISTOPHER D.A. NORTON AND VERONICA K. NORTON, HUSBAND AND WIFE LOAN NUMBER [REDACTED] LEGAL DESCRIPTION: STATE OF OKLAHOMA, COUNTY OF CARTER, AND DESCRIBED AS FOLLOWS: A TRACT OF LAND WITHIN THE SE/4 OF SW/4 OF SECTION 25, TOWNSHIP 4 SOUTH, RANGE 2 WEST, CARTER COUNTY, OKLAHOMA, MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT A POINT ON THE NORTH RIGHT-OF-WAY LINE OF US HWY 70, SAID POINT BEING 98 FEET WEST AND 218.3 FEET NORTH OF THE SOUTHEAST CORNER OF SE/4 SW/4 OF SAID SECTION 25; THENCE NORTH AND PARALLEL WITH EAST LINE OF SAID SE/4 SW/4, A DISTANCE OF 449.7 FEET TO A POINT; THENCE WEST AND PARALLEL WITH NORTH LINE OF SAID SE/4 SW/4, A DISTANCE OF 135 FEET TO A POINT; THENCE NORTH AND PARALLEL WITH EAST LINE OF SE/4 SW/4, A DISTANCE OF 269.2 FEET TO A POINT; THENCE WEST AND PARALLEL WITH NORTH LINE OF SE/4 SW/4 A DISTANCE OF 223 FEET TO A POINT; THENCE SOUTH AND PARALLEL WITH EAST LINE OF SE/4 SW/4, A DISTANCE OF 683.7 FEET TO A POINT ON NORTH RIGHT-OF-WAY LINE OF US HWY 70; THENCE SOUTHEASTERLY ALONG SAID RIGHT-OF-WAY LINE ON A CURVE LEFT AT A RADIUS OF 5579.58 FEET FOR A DISTANCE IF 361.2 FEET TO THE POINT OF BEGINNING, LESS AND EXCEPT THE OIL, GAS, COAL, ASPHALT AND OTHER MINERALS OR MINERAL RIGHTS OF WHATSOEVER TYPE OR CHARACTER. ALSO KNOWN AS: RT 1 BOX 330 A/K/A 22620 US HWY 70, WILSON, OK 73463 Borrowers ("Borrower"): CHRISTOPHER D.A. NORTON A/K/A CHRISTOPHER DAVID ALLEN NORTON SUCCESSOR IN INTEREST TO CHRISTOPHER D.A. NORTON AND VERONICA K. NORTON, HUSBAND AND WIFE LOAN MODIFICATION AGREEMENT RIDER THIS LOAN MODIFICATION AGREEMENT RIDER is made this 15th day of, March, 2019, by and between the undersigned borrower (the "Borrower") and SELENE FINANCE LP, as attorney in fact for ANTHIUM, LLC, (the "Lender") and is incorporated into and shall be deemed to amend and supplement that certain LOAN MODIFICATION AGREEMENT (the "Agreement") of the same date executed by the Borrower and Lender as of the date above. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Agreement, Borrower and Lender further covenant and agree as follows: 1. Escrow Items Lender is notifying Borrower that any prior waiver by Lender of Borrower's obligation to pay to Lender Funds for any or all Escrow Items is hereby revoked. Borrower is hereby advised that beginning on the monthly payment due date set forth above, the amount of Escrow Items will be included with Borrower's monthly payment of principal and interest. 2. Interest Accrual Change. Depending on the terms of your original note, interest may have accrued on a daily basis. According to the terms of your loan modification, interest will now accrue on an amortizing basis. BY SIGNING BELOW, Borrower accepts and agrees to the terms and conditions contained in this LOAN MODIFICATION AGREEMENT RIDER. [Signature] (Seal) CHRISTOPHER D.A. NORTON A/K/A CHRISTOPHER DAVID ALLEN NORTON [Signature] (Seal) -Borrower [Signature] (Seal) -Borrower [Signature] (Seal) -Borrower [Signature] (Seal) -Borrower OKLAHOMA TAX COMMISSION 2501 Lincoln Blvd. PO Box 269060 Oklahoma City, Oklahoma 73126-9060 TAX WARRANT NUMBER ITI2012002163-00 Carter County CHRISTOPH and VERONICA NORTON 22620 US HIGHWAY 70 WILSON, OK 73463-6633 Identification Number SSN/FEI: [REDACTED] Additional Identification: [REDACTED] Source Identification: Source Identification: THE STATE OF OKLAHOMA TO: The County Clerk of Carter County, Oklahoma Whereas, the above named taxpayer(s) is indebted to the State of Oklahoma for Income taxes with penalties and interest thereon computed to date, for the periods and in the amounts as follows: Period(s) 01/01/2007 thru 12/31/2007 AS1 Total Tax: $1,575.00 Interest to date of issuance: $927.52 Penalties to date of issuance: $157.50 Tax warrant penalty: $200.00 Filing Fee: $26.00 Other: $0.00 Total Amount Due: $2,886.02 Interest continues to accrue on the total tax until paid, and additional penalties may accrue as authorized by Oklahoma Law. Now therefore, you are directed to record and index this warrant in the same manner as a judgement, using the name(s) of the delinquent taxpayer(s) shown above, name of the tax, the amount of the tax, interest and penalties for which the warrant is issued, and the date and time when filed. In witness whereof, the Oklahoma Tax Commission has caused this writ to be subscribed and duly attested, with the seal of said commission affixed this 22nd day of March, 2012 Oklahoma Tax Commission William E. White Assistant Secretary This is a copy of the tax warrant which has been filed with the County Clerk listed above. Release of this tax warrant can be obtained when all delinquent tax, penalties, interest, and filing fees have been paid. Interest continues to accrue until the tax has been paid which may change the total due on your account(s). Please contact the Account Maintenance Division, Tax Warrant Section to obtain an updated payoff of your account(s). Toll free (inside Oklahoma) 1-800-522-8165, extension 2-4193 or (405)522-4193. County Clerk Retains