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200001684 <br />22. Request for Notices. Merrill Lynch requests that copies of notices of default and sale from the holder of any lien <br />which has priority over this Deed of Trust be sent to Merrill Lynch at P.O. Box 45152, Jacksonville, Florida 32232. <br />23. Incorporation of Terms. All of the terms, conditions and provisions of the Agreement are incorporated by this <br />reference into this Deed of Trust as if included in this Deed of Trust itself. <br />24. Time of Essence. Time is of the essence in this Deed of Trust, and the Agreement. <br />25. Actual Knowledge. For purposes of this Deed of Trust and the Agreement, Merrill Lynch does not receive actual <br />knowledge of information required to be conveyed to Merrill Lynch in writing by us until the date of actual receipt of such <br />information at the address for notices specified in paragraph 11 above. Such date shall be conclusively determined by reference to the <br />return receipt in our possession. If such return receipt is not available, such date shall be conclusively determined by reference to the <br />"Received" date stamped on such written notice by Merrill Lynch or Merrill Lynch's agent. With regard to other events or <br />information not provided by us under the Credit Documents, Merrill Lynch will be deemed to have actual knowledge of such event or <br />information as of the date Merrill Lynch receives a written notice of such event or information from a source Merrill Lynch <br />reasonably believes to be reliable, including but not limited to, a court or other governmental agency, institutional lender, or title <br />company. The actual date of receipt shall be determined by reference to the "Received" date stamped on such written notice by <br />Merrill Lynch or Merrill Lynch's agent. <br />26. Taxes. If the laws now in force for the taxation of deeds of trust, or the debts they secure, or the manner of <br />operation of such taxes, change in any way after the date of this Deed of Trust so as to affect the interest of Merrill Lynch, then we <br />shall pay the full amount of such taxes. <br />27. Expense of Litigation. In any suit to invoke the power of sale under this Deed of Trust or enforce any other remedy of <br />Merrill Lynch under the Credit Documents there shall be allowed and included, to the extent permitted by law, as additional <br />indebtedness in the judgment or decree, all court costs and out -of- pocket disbursements and all expenditures and expenses which may be <br />paid or incurred by Merrill Lynch or on Merrill Lynch's behalf for attorneys' fees, appraisers' fees, outlays for documentary and <br />expert evidence, stenographers' charges, publication costs, survey costs, and costs (which may be estimated as to items to be <br />expended after entry of the decree) of procuring all abstracts of title, title searches and examinations, title insurance policies, and <br />similar data and assurances with respect to title as Merrill Lynch may consider reasonably necessary either to prosecute such suit or to <br />evidence to bidders at any sale which may be had pursuant to such decree the true condition of the title to or value of the Property. <br />All such expenditures and expenses, and those that may be incurred in the protection of the Property and the maintenance of the lien of <br />this Deed of Trust, including the fees of any attorney employed by Merrill Lynch in any litigation or proceeding affecting this Deed of <br />Trust, the Agreement or the Property or in preparation for the commencement or defense of any proceeding or threatened suit or <br />proceeding, shall be immediately due and payable by us, with interest at the interest rate payable under the Agreement. <br />28. Written Statements. Within five (5) calendar days upon request in person or within ten (10) calendar days upon <br />request by mail, Merrill Lynch will furnish a written statement duly acknowledged of the amount due on this Deed of Trust and <br />whether any offsets or defenses exist against the debt secured by this Deed of Trust. <br />By signing this Deed of Trust, we agree to all of the above. <br />GRANTOR Robert/J. Joffnson GRANTOR Tamara M. Johnson <br />GRANTOR <br />-8- <br />GRANTOR <br />