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<br /> r\~' <br /> tf. ~ <br /> ~ ~ l; <br /> '" ~ <br />N ~ "'.> <br /> c: (II ..:':~:> C>~ <br />G -,,,, ::t f':,,':;;"-' C) U) <br />G Q .<l:_ ~\ ~'.:r.;t 0 -1 <br />en ~ ~ 0 -r, c:: l> <br />G ~ (,11' ::tJ ~" rr"'I Z -1 /"\.) , <br />...... " fTl co -1 tTl oft <br />U'I .c I ~ :t: (.") t)-.... -< 0 <br />-..J ..J ~,.., r'\.) <br />CD C? o \- 0 ." C);'~ <br /> ""1 W ..." <br /> ~.r :;;~ en., 'I <br /> en CJ (t' --. rr') <br /> 1"'1 ~') ---- ~ <br /> :n J;-... CD <br /> rT1 &' =:3 , ::u <br /> [L 0 <br /> (/l ~ , t... <br /> ~ ~ (fl <br /> C) ^ <br /> ~ <br /> (,..) '"-' '"-' <br /> S , w <br /> U1 <br /> U1 ~ <br /> U! <br /> <br /> <br /> <br />200601579 <br /> <br />After Recording Return To: <br /> <br />Decision One Mortgage Company, LLC <br />6060 J .A. Jones Drive, Suite 1000 <br />Charlotte, North Carolina 28287 <br /> <br />[Space Above This Line For Recording Hata] <br />Loan Number 2090060195010 <br />MIN: 100077910005670902 <br /> <br />DEED OF TRUST <br /> <br />DEFINITIONS <br /> <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, <br />11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in <br />Section 16. <br /> <br />(A) "Security Instrument" means this document, which is dated JANUARY 26, 2006, together with all <br />Riders to this docwnent. <br />(B) "Borrower" is COI..LEEN A SMITH, a ma r r i e d woma n Borrower is <br />the trustor under this Security Instrwnent. <br />(C) "Lender" is Decision One Mortgage Company, I..Le. Lender is a LIMITED LIABILITY COMPANY <br />organized and existing under the laws of NORTH CAROLINA, Lender's address is 6060 J.A. JONES <br />DRIVE, SUITE 1000, CHARLOTTE, NORTH CAROLINA 28287. <br />(D) "Trustee" is STEW ART TITLE GUARANTY COMPANY. <br />(E) "MERS" is Mortgage ,Electronic Registration Systems, Inc. MERS is a separate corporation that is acting <br />solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this <br />Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and <br />telephone number of P.O. Box 2026, Flint, MI 48501-2026. tel. (888) 679-MERS. <br />(F) "Note" means the promissory note signed by Borrower and dated JANUARY 26,2006. The Note states <br />that Borrower owes Lender TWO HUNDRED TlDRTY-ONE THOUSAND TWO HUNDRED AND <br />OOIlOOtbs Dollars (U.S.$231,200.00) plus interest. Borrower has promised to pay this debt in regular Periodic <br />Payments and to pay the debt in full not later than FEBRUARY 2,2036. <br />(G) "Property" means the property that is described below under the heading "Transfer of Rights in the <br />Property. " <br /> <br />riill1imi~ilUimrniiii i1iilllililiiiilII [i1Rlm lilili~ii!ll tdfi~ifil <br />