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915225
-. :"·r~~~~·~":':·'(':':'~'~:':<,·:, ..'.,.,J;..--:.... ::"::;';";;~'":"::,.;: ',!; .. ..::¿...:.,.:......:: . .':_;.~...,.:Ú¡,~; .~ .~,':'<".~~' '~~t.~t!A..~:t~ :',,_..:. _ t~¿'~,Z::1i"'i·~':I¡:oI";.t...::,~::;r:;:,~s:~:..;~!j~ :'..::~' '~·jl'.;;;;:~:::;:i22:t~r~,::L.' ....' :';: .:. :'. '.;¡: ":~:.~ ,¡~; ~~:. C00639 . After n:cor!ingp1ease return 10: C/O RECEIVED 1/13/20061:1t 3:47 PM RECEIVING# 915225 BOOK: 609 PAGE: 639 JEANNE WAGNER LINCOLN COUNTY ClERK, KEMMERER. WY t-'repared by & Return to: TransContinental Title Co. 4033 Tampa Rd Suite 101 OJdsmar. FL 34677 800-225-7897 [Spsce AbDvs This lins F.orRel;DrrJingD1l1a] L) "3L{CCP(òy - \'ò ft'ð3-==A- T MORTGAGE MJN l00D5540J220ì2B564 DEFINITIONS Words used:in -mn1tiple sectiom:: nf 1bis dor.nmP.T1t æ:e .defined below mu1 other words æ:e .defined:in Sections 3, 11, 13, 18,20 .am121. Certain:m1es regarding the nsage nf words used:in 1his Oor.nmP.11t Bre.also]JIDVided:in Section 16. . . (A) "'Security .1nstmment" means this rlor.n111fmt w1ricl1is.dated 10gethcr witb..a1lRiders 10 1his élnr.nment. TJp~1::' l2, 2005 " (8) ~OlTower'is Wayne E 'BAlmY, BIllTITTATr'iR11IEIl (.,.- <j , ~~ 12-'3I1I~-0J5-2.-0l.-I-035.0D - .Borrower is 1beIDD:ltgaEmmu'lcr1his Becmity lnstrmncnt. .-:-r (C) "'MERS" isMortpgeEec::trm:ric:Rf"~J:tnrtinTI ByEtcms,.Inc. .MERS:is lucllaratemrpmatian 1hat is ßct:Ín£ .sa1e1y.au ~nminp.p.forLfmder .and.ùnder'.s :snccessmundBSSigns. MERS iB1he.mortgagee11DIlerfhis Security :Instrmnmt. MERS is nrganized.and f'lJ.;!:tin£ m1der 1he laws of De1awBre, .and.has .an .address .and 1clephone :nnmber DfP.O..Box2026,:Flint. MI 48501-:2026,1el (888) 679-MERS. (D) "'Lender" is .:r:nqyMac.Bank, F _B.B_, :a f~ lly r::bart:ered BaVings JJank 1..IIDð.crisa FP~ 1 Bavings ~ ~.and P.Yidinz-m1der:thel11wsDf TIn+rPil Btates of ~ri r;::¡ _ l.nulcr'B.addressis 155 .North Iake AvernJ.e, }J;:n::;:¡AFrn;:¡, CA 9llm. I.Dan.No: J220ì2B56 WyÐlllingMortgage.SingleFJUJÛly-JlmuùeMae1.Fnddie.Mac'DNIFOBMJNSTRUMENT -~ r'n.....ruI'lCEBODllCE,lNc.- :PJlJ:eJ of'}4 ......-.q>~.n_~~ -.uJ/IIIIDJI MERSMndifi..d::Fmm31151 fil101 l<OlIlWY JlB/DO ~~CmDpli.II"" &w=,.!ua. ~i~~if; ;,~~~:~:::!::::!H: '~ :~:.:!:!:~:!:!:~:~:;.; , . '- :.~;;'~":: .:.,',~~!E:::..:."!tl3:"i' ·,.,.--:-:~~:.~r~".".,~~~.:::.... :~'~'1.J,;_ ~ .';",' ~: ,~,',: _';'~".~';;'~'. ,. ..:...:..:.::.::_ ,:"'::"'::"'~';.:£'''!J¿~..,;' ':£:·_',(:'~r.£tl:HIL;~·:2~2::.i::¡-" :'~'. :::':..:'::';;c.:;. ILUXiJ'-.!.:;;'.',;. ",:"~:" A'.·.~¡·..,.., 09jL52ZS C00640 (E) "'Noíe".JDf:3DSíhe:prmnissory1101e.signedby:Ðonowenmddated DecaIDer 12, 2005 TheNDíestates1hatBOlTOweT owes Lender ODe 1D..mðred ID.nety"two t-hOI1!:.::;:m~ and ID/lOoths DollBrs (U.B. $ 1.92, 000.00 ) plus:interest. :Ðanuwer.bas:promised 10 pay íhis .debt in.1'egu1ar Periodic PAyments 1IJld 10 ]JaY 1he Debt m :fiill 110t Jater:than ¡Januazy l, 2æ6 . (F) "'Pro'perty~' .means 1he pn:iperty 1hat is .described below 1ID.der íhe 111~::Iñing -rrnmm~T nf:Rights in 1he J>roperJy." (G) "'Loan~':meansíhe .debt~rl,.,n~iI by1heNo1e.JÙllSintcrcst, lI11JJ1m.PH.Ym.CIl1.chargcs1lJldlate cl1argcs rl.uc mnierthe Note. .and Bll BUIIlS due nnderíbis Security In!rtmmffllt. plus.intert:St. (H) "'Biders" .means Bll.Ridcrs to this Becu:rity lT1!rtmmffllt 1hat 1II'C ~~rl ñy :ÐuuuWCl. The fullowing .R.idcrE Me 10 be ~rvtf'iI by :ÐOrIDwer [check box.as BpplicabJe}: IJ Aqjustable ~Rider o .Ba1loon Rider Ð 1-4 Fænily Rider IJ O1her(s) [specify] IJ Cnnrlnminimn Rider ~ Planned UnitDevclopment1lider Ð RevocabJe ThlstRi.der IJ &condBome Rider IJ :BíwW:ly Pll)'lIleIlt Rider (I) ~.ÅpplirRb1p Law".meansJill I:OJItrolling.app1icàb1efedeml.:stare.and locabta:tutes, IeEJ11::ltinm:, Drrlimmœs 1IJld :uTInmir;:trntiye Diles .and xmlers (that.have íhe effect of Jaw) .as wtill .as .all .app1icàb1e :final. ~.appea1abre judici.a1.Dpinion.s. (J) ~CnmmTIDi1J .À5Bociation Dues, ]i'æs, .æul Atlllf'l!l!miantli" EeaIlS .all I1ncs.:fees. 'ISro:P.¡:!:I11ffllt¡;.and other l:harges 1hat.are imposed Dll Bonower Dr íhe.Property ñyA r.nnrlnmmTnm . ::I¡:¡:nr:imnT\ l1omeow.Ders .association Dr Ëmilarml?IDwminn (K) ~:Funds Tr.ansfer~':means.any-mlns:rer of.fim.ds. other than,a mmlmctinn miØn::ltPrl by cl1eck. iIraft. IIn¡Ïmilar]J3peI' Tru:tmmP.l1t. wlrichis initi::ltI".d:t:hrouBh.an e1ectranic"tP.TlTlÏn::ll. "tellphnnir. in!:tnnm'!nt. z::nmpv11'!í. m -n1::1.EJ1P.fir.1ape BO .as 10 order.:instruct. m ::Intbmi7P. A iin:mr:i::ll im:titntinnlo .de1rit mz:::œdit .an Accmmt. .Buch 1enn mr.mrlp..~ but is.:notlimited 10. ]Joint-nf~ 1T:m1'd'P.T1\ ~llltnm::ltp.rl1.cl1er TII::Ir.hÏT1P.1T:mlmctinnJ;, 1T:mdP.rs -initilltf'iI by 1P.1P.pbnnp.. wire Tnm :fP.nl. .and ::Infmmltef dp.:mnZ'1£1Use 1T:mJ:fP.n:. (L) ~ 1tems"J:IæaDS1hosei1ems1hatMe rle!:r.nOedin Becti.on3. (M) "J\fiSl'pl1llDpnns Proceeds"":means.any .cnml'p.m:::Itinn. JlP.ttlP.lTlP.l1t..award nf ilJI1T\JI~~ m]Jroœeds paid by .any1hird:pmty (other:than immrnnœ]JI'OCCeds:paid 1U1dcr1he coverages.descñbedin .Bection.5) for: (i)llamage 10. m np.!:tmctinn at: the.Propcrty; (ii) r.nnrlp.Tnnlltinn m other:taking Df.all m .any part of the PIoperty; (iii) .conveyBnCe inJiennf.cnnrlP.T11Tl::ltinn; m{i:v)mis:n::pTf'_~:rtinn¡: at: mnmi¡¡~nn¡¡.asto.1:b.evalneBDdlDr rnnñitinn ofíhePmperty. (N) ~e .InmrJlDCe~' :means mJ:1lTllT\N'! JlTntp~.Lender .against 1:b.e:nonpayment' at: m.default on. 1he Loan. (0) ~erioilic p~yment" :means the Iegu1arly sr.nerlnlerl1lIl1OUIlt rl.uc for (i) prinr:ipal .and:interest :under the Note. :p1ns(ii).any.am.omtts DD.der Bection 3 of:this &cmity lm:l1T1T11ffllt Iam:No: 122072856 WyßlllÙl%Mortp:e.SÍl!glcF.amily-FJWDie.MaelfuoeddieM.ac -uNIFORM1NSTRUMENT -IBE r'm.fPUAlIlCEBODRCE,lNc.- :I'age2 DU4 -"-"""'P~.n_~_""", -.01100. MERSModi6edFmm3051 OlJDl ].¡]UJWY JIIIIIO mooO.:n.e J::ampIianceSoua:c.lw>. <.j.:-:.;,:.;..-,- ......- .... ';'>'.'~¡'.:j'. 091.5225 C00641 (P) ~À",:means :the Real Estate Settlffl11P.T1t .P.rocedmes Act (12 TI..B.C. .§2601 e1 .seq.) .and.:its iI11J11P.Q1~1'egu1ation, JœgulationX (24 c:F..R.Pm3300).1lS 1heymight be IIml'milp.il:fmm1ime1O:time, pr æy .Brldirirmlll PI' sor.œ¡:li:Of legislation m rel?11:rnrm 1hat gcJVfm1S the .same .subject.:matter. AF, 1lSCd :in this .5ecm:ity 1nstm:mcnt, ~N' mfers 10 .a11mquircmcnts .anrl:remir:t1rm¡; 1hatllfcimposedinIt:gard to 2"<fpnP.TIIlly 1'clated JDOItgage Joan" fWCIljf 1beLoan .does 1101 quaJify 11S .a ~r1ffl'11lly Jrl.ated mortgage Joan" :under.RESP A (Q) "Snl"l'f'A1!1or mInterest Df BOITow.er" :means.3Dyparty that.has.1akcn1itletoíhe.Pmperty, w.hethcr mJlOt thatparty.has :u::mmp.n BQ1]'ower'.s DbligationsDD.der1he Note .andJor1his Secm:ity lm:tn1Tl1f'!11t TRANSFER OFJUGHTSJNTHEPROPERTY This .Becmi:ty Tm:tmmP.T1t .secures 10 Lender: (i) 1he :mpay.ment of the Lmm, ..and .:a1l.IeIœWlÙS, ~)..-tf~m::irms .and umr1ifir.!ltÍrm¡; of !he Note;.and (ü) 1he yTfnrrmmr.P. ofXJorrower'.s mvenants .and agretm1fm11:: Elder this Becm:ity Im:tn1TTII~nt ..and 1he Note. :Fm this J)DIpOBe, BauoWi:a .does .hereby J11lJftgage, NBIIt..and l:DIlVq to MERS (so1c1y 1lS -n~imLendcr .andl.fmder'uucccssors.andllSSÌgllS).and 10 :the.successors.and.assigns nfMERB, with power.of .sale, 1he.fo11ow:in£ dp.scJibed J>IDPCIíY locat.edin1he ~ .of T~~nnl~ Ifype Df RsconiinR .lJJrlsIJlctJDn] ¡Name Df RsaJrriinR .Jmisdk:JiJJn] J£8ëÙ àescr.:jpt:ian ;:¡M-;:¡rhPlÌ 1:JeIEto æJd 1Iade :a part .he:œaf. which 1::111 I-=,' Illy.has 1heJlddress.of ~ , Wyoming J.2B KJRID :ROAD ]Stres(] B3l27 (":Property Address"): ]Zip CDds] ]CIty] ~Olil:£'.il::I.tili. WITH .a11!he ~uv~.m>W or Jææafier :f:I'ected on !he JXD.pCIty, m1d lIll P';U::P.T11P.nts. "J.~ 1111 fr:IIm1r.P.S. 1JIJ.d ::fixtures EJW m .hereafter .Jl J?8IÍ of 1be property. All :rep1:lNmlP.T1k .and ::ulr1itirm¡: .shall .a1so Ìle .coveredby:t1ris Becnri.ty 1nstrume:nt. .All of!he:foregoingis:refCIred 1o:in!his .Becm:i1;y Tll!ðrnmP.T1t 11S!he ""Property." BUJ..1uwbJ: Tmr1P.1'!:hmr1¡; .and A.greC5 1bat.MERS l101ds nnly legal :title to !he ;m""'l'-Sts EDJIúed Dy Borrower :in 1bis .s~ Tll!ðrnmP.T1t. Ìlnt,.if -nf>/'f'<:t::my 10 amyI1y ~ Jaw m r:ustoIu, MERS (as -nC1TTlÍ11P.e jbr Lender 1U1d Lender'B ¡;pr.r.P.¡;¡:m-s..and.assigns)l1as1he:rigb:t:1o P.1reTr.ÏJ:p..aIJY or JIll.ofthDse :interests,-inr.lmnnx. but:notlimit.ed to,1heDght 10 TnT'f'.c10se ..and BC11!he 1Tope:rty; .mul to 1ake.3Dy .adian.n:guired of.Lender inr.mr1in~ 1mt:not Jimi:ted 10, TP.lp.llmn~ JIIld NITIr.P.1ing1his Becnrity lnstrmnen.t. :BORROWER. COVENANTS thatBou.uwm is Jawfully 1ìcised of!he i:StateJæreDy l:onveyed.mul.bas !he :JÎEh1to UI~ge> gant.andœnvey1he.P.ropeIty mu11hat1heProperty is TmI'mr.mn1vm>iI. fM:ejJ1:for fmr.TT111hrnnr.P.'> of :record. .Borrower w4l.UlllÍS 1U1d willliefend NIDP.nI11yíhe:titleto :the Property 1I1¢nstlill. clBims 1Illd r1p'l1umr1J:, .subject 1O.3Dy'P.llr.mnònm~s ofICCord. I.can 1\1'0: J.22 072856 ~1IJIIÚ!2.Mmi:~F.amiIy-FJtDDÍeMae.lE';œddieMac IJNIFOBMlNSTRUMENT -:IHE l".nUW:rA."lCEBOIIRCE,lNc.- :P~e3 1If14 _"""'Fhnn_~~ JUlW_IIIIU .MERS Mndifi..rI Fmm30Sl 01J01 .14JOIWY JIIIIIID m.ooO,lbo.Comp1iønocBoume,lDø. ";':';'=';'~jj;';':'¡'; ~.r.·:'~~f~·~~M¡ Ò.:i:"'''~' :/:'i:i!i ;~~¡~;;~~Æ~;~;~¡j ·\--;':J.o~:.!;."I~·~":·~':':;':::::C:;s:'~:";':':::2.~i..., .",-,-,~ ..".J."..~"'.... ".:~'t.,...:...~,:~ ~_'-"-,._,__ ,..'...,... ".....'.. O~:15225 000642 THIS .sECURITY JNSIRUMENT cnmnim'!~ mrifoml covt:nants :for ,,:rtirmlll 1lSe .and :non~onn r:0VtmaI1tS withJimited Vßri:rtion~ by juTÏsrlictinn10 cnn~titl1tp. a lmifnnn BeClIIÍtyinJ:trnmffllt covering real ]JTOPerty. UNIFORM COVENANTS. Borrower.andl.en.der covenant.and agreeas:fo1lows: J.. :Payment of Principal, 1nter.est, Escrow Items, Prepayment Charges, Jind Late Charges. BDUOWer .shall pay w.hen due the principlll of: and.:interest on. the rlebt evide:n.œd by 1he Note .and any prepayment charges.and late charges due under the Note. Bmrower Bhall also pay funds for Escrow Items pursuant to Section 3. Payments duelII1der the Note and this 5ecm:ity lnstmment.shall be made.in UB. mrrency. Bowever, if any check or D1her :ins1rmnent Ieceived by Lender as payment under the Note Dr this Security Jnstmment is Ieturned to Lender :nnpaid, Lender:may Iequire that.any or all.snbseqnent payments due under the Note and 1hi:s Security lI1Strmnent be made:in one or.more of the following :forms, as Be1ected by Lender: (a) cash; (b).money nrder; (c) certified r:heck. bank cl1cck. treasurer's cl1eck or r:asbier's cl1.eck, provided any .such check is .drawn :upon an imtitntinn whose rleposits are:insured by a federal agency, iI1strmncnta1it. or f:Iltity; or (d) E1ectnmic"F1Inds Transfer. Payments are dp.p.mpi received by Lm1der wl1en IeceiVf:d at the lO~lItin1) dp.!:ÌgJ1l1tp.rl:in the Note or at.such other Inrminn as.may be designated by Lender:in aC~nTrlllT1œ with the notice provjsions:in Bection 13. .Lender.may :retum.anypay.mcnt or]13Itia1 paymcn1.ifthepay.mcnt or partial payments are immffi~ip.ntlo bring the Loan current. Lender EaJ accept .any payn¡ent or partial payment immfficient 10 bring the Loan ctment. without waiver of .IDlY :rights hP.TP.m1nP.1' or prejudice to its:rights to Idb.se.such payment orpartÏal payments:inthefutme, but Lender is not Dnlig;:rtpilto lIpJÙy .such payments at the time .such payments are .accepted. 1£ tmeh PeriodicP.ayment is a:pJilied as of its ¡:r.hpilnleil due .date. 1henLendcr.Deed not pay interest on unapplied:funds. Lender:may.hold.such IIIUIpJilied :funds ml1:i1 Bmrower .makes -payment 10 bring the Loan cmrent. 1£ Borrower .does not .do .so within a reasODable period of time, Lender .shall cither llJIPly .such:fimds or.:retmn them to Borrower. ]f.not.çp1ied~,.such funds will be .apJilied 10 the outstanding principal ba1ance under the Note immenilltp.1y prior 10 ËrecloBDre. No offset or I:laim w.hichBorrower might have now or.in.the:future against Lender .shall Iclieve.BÓJ..UJWCl:from "lll1cin£paymenís .due 11D.dcr 1be Note .and this .security lnst:rument or peTfnnninf, the r:ovenants .and AgII'P.111P.11ts .secured by tlris 5ecm:ity lm:tmmffllt 2. App1iration of Payments or :Proceeds. .Except as oth.crndse .desc:ñbed:in ibis Bection2, .all payments 1l.CCeJ>ted aDd 1lpplied by Lender .sba1l be .applied :in the:following nrder of priority: (a) interest lÙ1e 1JI1der the Note; (b) JITÏ11cip1l1lÙ1e 1J.Ddcr1he Note; (c).amounts .due 1D1dcr Bection 3. Buch.P'lYJIlCIIÌS..shall be applied 10 tmeh Periodic Paymen1:in"the order:in which it became due. Å:Ily IP.mai~ .amounts .shall be a:pJilied:first 10 late charges, .second 1o.any D1her .amounts due DI1der this.8ecmity Tm:'TTI111p.n'. .and 1hen to.:reduce the :principßl balance of the Note. lfLende:r:receÏv.cs a payment:fromBmrower:for a rle1inquent Pciodic.Paymen:t wJrich -inr.ll1i1e~ a.snfficiP.T1t .ammmt 10 pay any late charge due, the payment.may be .app1if:d to the rlelinqu.ent payment.and the late .charge. If EOre 1ban DDePeriodic: P.aymeut is Dlmrtllnilin £, Lender :may .apply lIIlY payment :received :fron1 Borrower to the :repayment of the Periodic PlIJlI1CIIÍS jf, .and 10 1he ateut :that, ~ payment r:an De:paid:injjjJl To the :extent :that .any ~ msts·.after the payment is applied 10 the:full.Paymen1 Df one Dr more Periodic:.Payments, :such f:XCeSS .may be applied to any late .charges due. Vo1nntaryprepayments.sha1l beapplied:fustloanyprepay.ment clIargesand :then as .described:in the Note. Å:Ily lIpplil"Jltinn ofpaymen1:s, immnml"P. proceeds, or .MiSl"P.lhmp.nus Proceeds 10 principal due under the Note.sha1lnotex:tend orpostponetheduelÙlte, or cl1ange1he mnmmt, DftheP.eriodicPaymcnts. 3. :Funds for Escrow Items. .Borrower Bhall pay 10 Lende:r on the .day Periodic PlI}'IDCIlts are .due DI1der 1he Note. :until the Note is J18Ìd:infull, aBmD. (the""FnndS") m:provideforpayment Df1lIllOunts.dueibr: (a) 1axesand BBJ:P.~P.T1tI: .and nther items w1rich am attain priority Dvm-ibis Becurity 1nstrunænt as.alien or P.I1~nmhnmce on the Property; (b) lp.aJ:ehnlrl payments or ground:rents on "the P.roperty.if.any; (c) preminm~:for any .and 1111 :insurance Jeqnired by Len.dernnder .Bection 3; .and (d) .Mmtv~ Jnsmance J1TP.minms. if .any. or .any .sums paj'1ible by .Borrower 10 Lender:in lieu of the payment Df Mortgage lTlJ;1Tn1nl"P. premiums :in ::I1"r.mTIllTlt"P. with the provisions of .Bection 10. "These items.are r:aIled ~ 1rems:' .At mi.vna1inn Dr .at.any:time.during the term.of the Loan. Lender ..may Iequiœ 1hat Crnmmmi1y Association Dues. Fees, .and Þ. !:sp'~~mp.IIt~, if .IDlY, be .escrowed by .Bmrower, I.œn No: J.22072856 WyØIIIÚIJJofDrt:~EBIDily-.:FamüeMael.F.reddieM.ac IJNIFORMlNSTRUMENT -THE l"nU1>T:1Al'iCEBoURCE,JNc.- .Pa¡:e-4.of14 _NU"J";~_m- ""'II _WBlIIIIIBJlIIIU ~ ModifiPil E.orm3051 D1/01 ~4301WY .81180 mooo.n.~.Bouø:e,1wL '.: :;iii:'I'~e&l;¡;·;.,j¡~;:;',·,' '..' :,:':<1:..:':.:';';':0:;):- . =:..~-- -~'- ,....:_-~< , , ¡ . ; ','. " ~,'. " , :, " .' '. ,_. _';~; ''';~i' " , .. " OC.,Æi r::::2r¡,S . -.J~ü·.G f'nn643 \.' '.) J mu:lmch.dues, fees mul as!,:p.~p.nt!':.shall be m¡Escrow.Item. Borrower.Bba11 prompt1y:fumish 10 Lender 1Ù1 notiœs ill IDIlOUDÍS 10 be paid llI1der:this Section. Borrower.shall ]Jay Ü:nder 1he .Funds for.Escrow ltems mùess I.en.der w4Ïves Borrower's obligation 10 pay the :Funds for BIl)' Dr .all Escrow ltems. Lender:may waive Borrower'ß ohl\glltinn 10 pay 10 Lender Fnndsfor.any or lillEscrow Items mllIlY time. Any mch wBivermay only be:in writiDg. .In 1he went of web waiver, Borrower .shall pay .directly, when BDd where payable, 1he mnmmts .due for Jmy Escrow Jrems :for wJú.ch :pay.n:¡enl of Funds .has been W.aÍVM by Lender .and, if Lender :reqnires, .shall fum.ish 10 I.en.der .receipts evic1P.T1cing web payment within.BDCb.1i:me period 115 Lender:may require. Borrower's obligation 10 make :mch payments .and to provide receipts .shall for all :purposes be.deemed to be a covenant.and agreement r.nntlllnPij:in this Secmity lTllrtmmP.T1f, 115 the phrase "covenant.and agreement" is used in Section 9. lfBorrower is obligated 10 pay.Escrow 1tems .directly, punroant to .a waiver, lIDd BOIIDWCf fails to pay 1he amount .due :for .an Escrow Item. Lt:n.der:may aeftise its rights under Secti.on9 .and pay web.amount lll1d Borrower Bhall1ben be ohliß8te.c11II1der Eection 9 to :repay 10 Lender my BUCh JUIlOunt. Lender:may reVDke 1he wBiver .as 10 .any Dr lill Escrow 1tems .at.any íi:mc by .aJlOtiœ given in é)c-r.nrn:mce with Section. 15 and, Dpon.snch revocation. Borrower .Bba11 pay 10 Lender lill Ennds. .and:in.BDCb. JUIlOunts, :that.are:tben:r.eqnired m1der1his Sectian3. Lender may, m my 1im.e, co11cct.andlm1d Funds .in .an amount (a) Jrnfficifmt 10 permit Lenfu:r to 1IpJ>ly 1he Funds 111 the:time .specified nndcr RESPA, .and (b).not 10 exceed 1he ~mmlTmrn mnmmt .a lender can require nndcr llliSPA. Lender:shall estimate :the .amount of Fnnds .due on1he basis ill cnrent.data lll1d If".II¡¡nTlllhlp.e.lrtimßtes of ~r'IitnrP.." of:fut:ureEscrow 1tcms or otherwise in.acccrdance with App1i.cab1eLaw. The Funds .shall be.hcl.d:in.an -im:timtirm whose lleposits.are.insured by .afedera1.agency. -imrtmmfmtality. or tmtity (iTIC~llll'lin.e; Lender, if Lender is m¡ im:timtirm whose lleposits .are so insured) JJr in.any Fedt:ra1 Hmne Loan Bank. Lender ..shall.app1y the Funds to pay1heEsc:row 1tcms no later1han 1he1ime.specified 1II1der BESPA. Lender -Bha1l:not cl1arge Borrower:for h()ldinf.and Bpplying 1he:Fnnàs, annually .analy.zing1he escrow .account, orveri:fying 1he.Escrow Items, ~ Lcuierpays Borrower interest on1heFnnds lll1d .App1ica1ileLaw:perm:its Lender 1o:make :mch.a cl1arge. 11n1ess.an.agrecmcn11s:made in writing or .App1ica1ile Law:requires interest10 be paid on 1he :Funds, Lendeuhall:not be required to pay Borrower .any:i11terest JJrf".II1TIiTlgs on1he:Funds. BOIIDWf:I.and.I..ender can.agree :in "WIiting,.howevu, that.interest.Bhall be paid on1:he:Funds. Lender..shall give 10 Borrower, without clJ.argc, .an .annual a=m~ of the Fnnds.asxeqnired by BESPA. Jf1here is .a 5mplus of Funds .he1din ~ow, 115 .defined.under JŒSPA, Lender 1fu.a1l.account 10 Borrower .for 1he ~ iìmds .in .accordanœ tvlth 1ŒSPA. Jfftære.is a.shar1:age IifFunds.he1d:in ~, 115 rlcfined ID1der llliSPA, Lender..shall :notifY Borrower .as Iequired by lffiSPA, .and Borrower .shall:pay 10 Lender 1he.amomrt TlPr.P.,,~toEa1œ up the.shortagein a('r.mrl:mrp. with.:RESPA., butEno:mare 1han 12.:monthlypa:y:ments. Jfth.ereis .a ilffl'ici~ry Df Fnnds held:in f:SCIOW, lIS defined 1111der.RESPA, Lender 1fu.a1l:notify Borrower .as Ieqnired by llliSPA, .and Borrower 5hall JUlY 10 Lender 1he ßmmmt "P.r.P.!':!i:llry 10 :make Dp :the c1ffii ci~ry :in .accordance with llliSPA, bnt.:in.no more:than 12 :manfh]ypayments. TIpon payment .in:full Df lill BlDDS semn-Ji by 1h:is Eecnrity Tn!i:frnm~t. Lender .shall ]Iromptly :refund 10 Borrower.any Ji'nnds held by Lender. 4. Charges;.Liens. Borrower.Bba11:pay.all!axeS, ß ¡ i¡P.¡¡¡¡mP.11t¡¡. .charges, :iines. .and :ÎIDpn!i:itirm!i: .BttribDtable to 1he Property w1rich.can Bttain JRimity over 1bis Security lTl!3rnmPmt, leß!':P.hnlc1:payments JJr ground :rents on1he Property, if..any,.and C'nmnmnny AssQcilltinTl Dues,:F~ .andcÂ!! i¡P. ¡¡mP.11t!':. if.any. To the:extent that 1heseitmns.areEscrow ltems,Bmrower Bha1l payi"hP.Tl1-1n :themannerprovided:in Eection3. Borrower :shall ]JIDIIIp1:1y llisc:harge ..any lien which l1as :priority óVf:r íhis Eecority lTl!3rnmfmt JlIÌl.f:SS .Ð0IIDWf:I: (a).agrees.in writing 10 1he payment Df the Dhlivtinn JlP.r:rm-.d by 1he Jicn inli.manner .acceptable 10 Lender, but only 50 long .as Borrower is yrfnrmiTl£ .snch .agreement; (b) cantests 1he Ji.cn .in good :faith by, JJr rlp.ffmil¡¡ .against imforœment of 1he Jien in. legal :prON"P.n1"'W wJrich in Lender'B opinion operate 10 JR'eren1 1he ~P.11t of1heJìen while:those})IoC'P.PÆTlv.are:peniling, bnt nn1yDIItil:mch:pro~r1m~.are cnm~hlc1p.c1: Dr (c) .BeCDl'ßS :from. 1he ..holder of 1he Ji.cn.an ~TJt ,=tic:fß~ 10 LmJder .BDbnrmmrfŸ1l£ 1he Jien 10 1his Security lTl¡¡fnrnlf'!l1t JfLmuler c1p.tf':l'TT1iTJe!': :tbat.anypart Df1he.Pmperty is .BDbject lo.aJicn which can.attain:priority over1his .Becurity lTll:tTJmlp.n.1, Lender:may Øve Borrower li..notice identifying 1he.lien. Within] 0 .days of:the.date on which I.am No: J.22072856 WyDDliDg:Mortca:e-.Bingle fænily-PJUDJie~MacDNIFORMINSTR1JMENT -.THE CoM:P.l.UNCE SOURCE., INC.- :F.age 5 øf.14 ~~.ur""","'1I IDIIDIllIIUJI... MERSMødifiedP_3051 0lI01 UJOIWY 1l1/li0 -C2DOD,"""1hc r'nmp1i...,...... Rn~.. 1I1D. ~~iIi¡~jf: ·~~:Ii 'i~:~j~¡~~:;:· ': ;:.:.:.:.:1:.:.;.;.:,'.. . "...:."ß~:;,:0':.:..::~.:.~_~.::.~:s::...: '-.:., t ,;/"' ;....,... ..., .'_'_ .: '~:~~;~.::.:C,;:~;i{·.,~\:,': i.t~<' ~2'">5 V'"-J~~ t(;, COC644 1hat .11Otice :is Eiven. Borrower shall :satisfy 1he lien or 1ake one or more of 1he actions Bet forth Move ID 1his Bec:tion 4. Lender .may require Borrower to pay a .one-time charge for a real f:State!ax vmfi~ti OT} .and/or reporting EeIVice DSed by Lender:in connection with tbisLoan. :5. .Property InsurJUlce. Borrower .shallJœep1he :in1provements JlOW mmnz or.hereafter t:reCted on 1he Properly .insured.against Joss by :fire, .hazards indnill'.n within the tenn "extP.l1i1p.il1:overage," .and.any other ha7Jm'1!1 indndlT1£. bnt not limited to, earthquakes.and floods, foi- wlrich l..endenequires ;mmmnœ. This insuümcc Mall. be -maiTTminp.d :in 1he IDDOunts (indnmng ilpAnMtñle levels) .and for 1he periods 1hat Lender requires. What Lender TeqUires pursuant 10 the preceding !IP.I1tP.l1œ!l z:an change during 1he tenn nf 1he Loan. The lmmr.m~e aurier p:mvjding the inJ:lTTan= WIJ be clmscn by .:Borrower .subject 10 .Lender's Iight 10 ~e Borrower's choice, whichIight.shall not be cxen:ised. 1D1I'eaSonaòly. Lendermay :require Borrower 10 pay.:in cODIleCtion with tbis Loan, :either: (a) a one-rime charge for flood .2'.OIæ .determinm-inn, certification.and inu~kiT\f.services; or (b) a .one-time I:harge:for flood zone determinRtinn .and r.P.TtifiNrtinn .BeIViœs .and .subsequent .charges each time remappings m 1rimilar .changes occur which reasonably:might met.such ilP.tp.TTTrimmnn or œTtifir.atinn Borrower .shall.a1s0 be respODBible:for1hepayment of IDIYfees jrnposed by the Federal Emergency Man~P.T1t Agency in.connection with 1hereview of.any1100dzone ilp.tP.r111ÝnRtinn:resultingfrom.anobjection byBorroWcr. JfBorrower fails to maintain.any of1he coverages described Bbove. LcnderEaY Dbtain:insuœnce clJVf:l'B.gt; at 1 P.TIilP.J"$ Dption.andBouower's ~CD.Se. l.enderis 1ID.derno ohliytinn 10 pmcl1ase.anypm1icuJar type or .amonnt of 1:overage. Therefore,.such coverage .shall1:oveT Lender, but might or JDight:not J1IDtect Borrower, Borrower's ~:in 1hePropcrty, Dr the œntents of1heProperly. ~t.any:risk,.hazard or 1iBbility .and might provide greater m lesser awerage!ban W2S previonslyin clfect. Borrower .acknowledges 1hat 1he r:ost nf 1he:insunmce l:overnge BO Dbtain.ed :might ~ifi~nt]y exceed 1he m51 of.3nsm:ance 1hat Borrower 1:on1d .have obtained. .Any.aIDODDís di!l"vrFP.d by Lender 11I1dcr this .section:5 Bhall became Rililitional debt of Borrower .secured by this Becurity ln~rrnP.l1t ~.amounts.shall bear interest.atthe Note me:from the .date nf ~P.T1t .anrI.shalJ be])aY.aè1e. . -witlumchfuterest. upon.11Otice:froml..enderloBorrower:r~payment. Äll ;m;¡mmr.P. policies:required by Lctder .and renew1ils obl.lch policies Bha11 be :mibject to Lender's:rightlo l1isapjJIUVI:.such policies, .shall include a JltR11l'l:rrñ.mortgage clause, .and.shall:nameLender.as :mortgagee.and/or .as.an aililitinnRl Joss payee. Lender .shaILhave1heIightlolmld the policies .and:renewal œrtificates. If l..ender:requircs. Borrower Bhallpromptly give 10 Lender .a1lreœipts of paid pæmiums .and:œnewBl.11Otices. JfBoJTIJWer nbta:ins.any :fmm Df im:rrr.:mœ 1:ovcrage, .11Ot otherwise:required by Lender, for .damage 10. m ilf'mmr:tÎnn of,. the Property, .such :policy .shall:in.clude a Btandard mortgage clause.and.shall.mme Lender .as IDDItgagee .and/or .as an aililitionalloss payee. In the tMIDl of Joss, Borrower .shall give .:pmmpt.11Otice to the inJ:l1rn11N1 a:rrier .and l..ender. LenderEaY .malœproof ofloss if not made JUDID1ßly by Borrower. Unless Lender .and Borrower otherwise llgreein writ:ing,.any inlmTa11r.e proceens. whether Dr not the 11I1der1.y.iDg jmmranœ W1lS required by Lender. Bhall be applied to:restoration m:repaÍr nf1heProperty. if the :re~CJT::1tinn or.repair:is ßCCInomir~l1y -reRRlnle .and Lender's EeCUrity is 1lOt le!l!lP.l1l'if Dming BDCh repair .and restoration pe:riod. Lender Bhallllave 1he Iight lo.hold BDCh:insunmce proceeds untill..ender Juu¡ l1a.d.an opportunity to .:inspect .such :Fmperly 10 1mSI:Ire the work.has been r.l\ny¡lP.tp.d to Lender's RatiRfar:t1nn, prov.ided 1hat .such :inspection .shall be Dndertakcn promptly. Lender EaY .dislmrse proceeds for the :repairs .and :re,stnmtinn in aBÏDg1epayment or:inaBeries ofprogresspaym.ents.as1hewœ:kis crrrnplP.t-ed lJDless.an.agreement:is :::JIUl1ie :in writing m Applicab}e Law .:requires .:interest 10 be paid on .such ;mmnmr.P. proceeds, .Lender Bhall :not be required 10 pay Borrower .any :interest m ~.ant1ng¡: nnBUCh JHDcecds. Fees :for]JDh1ic..adjnstas, or other tbird jWtics, :retained byBorrower .shall not be paid ont of1heinJITlTRnœproceeds.and.shall betheB01eDbligation nfBorrDwer. Jf 1heJP.JItnmtinn or.:repair is DOt ecnnomi~l1yfp~Rlñlp. or Lender'.s.security wo1Ùd be 11'~!lP.Tleil, 1he inJ:llnmœ proœeds Bhall be Bpp1ied 10 1he.sums BeCUred by1his &curity Tmrtmment, w.bdher m:not 1hcn.due, with the:excess. if.any, paid 10 .:BmroWeT. Buch insnranr.P. proceeds Bha1l be ~:in:the ordcrprovided:for:in Bection2. Jf.:Borrower ahanrlnn¡; 1heProperty. .I..ender:mayiile. Degotiate.and BCtt1emIY ..av.ailab1e immnmœ.claim.and :œ1ated.matters. JfBorrower.does:not:respond within 3D Days 10 a .IWtice:fmmLcnder 1hat the:insunmce .can:ier Juu¡ I.can lib: J.22D728S6 WyfllllingMmt¡age.8ing1cFlDIIiI}'-"FJDIJÚe~.Mac lJNIFORMJNSTRDMENT -TBEl'OM'PHANCESmIRCE,lNc.- Page (, of14 ___Dft"'PI;·"~·oorœ.colll ImllJlllIIDUDDR MERSModi6ed.Form31151 Ð1AI1 .143D1WY IIII/ÐO C2D0O, The CompIiauoeBcmœ,lno. :.~.:,!,&!,...!¡:,a:!:;':i..¡,;:~I~';::',,:Bt~""'~'i:"~:,~·.:.""':,;'tl,¿:,~,::. _ ·;;,:_~'.=.l"~¿.~~:l':"';' ~"",",' ";;;';" :.:.'.¡:,~~.'.'. ~~..:,~:.;.'lli:!t!~¡;,,:::::';j,:ú~'~~ii..L~~~~ . ::':~'~;~~"ii..:;i.~'.,: ;. '., ~';.::;~.,:::,~~;,. , "'{.."'j e?,?C:;' UJ.~UiI-~'L.!! ~00645 :offered 10 Bettle 11 claim. then.Lender may:nego1:iaœ ID1d mtle the chúm. The30-dayperiod will begin when !he :notice is given. In either event, or if Lender .acquires the Property mulcr Section 22 or otherwise, Borrower l1ereby BSSigns 10 Lender (a) Borrower's :rights to .any insunmce JHOCCeds jn BIl.ammmt.D.D1 10 aœed !he .amounts unpaid 1II1de:r!he Note or this Security T n!:tnnnp.nt, .and (b) 1lDJ other ofBDII"DWm"ß Iigbts (other 1ban !he right to.any refund Df TInP.:m1P.r premiums 1JaÏd by Borrower) DD.der Jill in!mrnn~ policies 1:overing!he 1Toperty, insofar JiS ßuch.rights .are.applicable to !he 1:overage of the Property. Lender.may use the immr.m~ proceeds ~10 IepaÍr Dnestore the .Property or to pay amounts unpaid mulcr the Note or this .security 1n~nnP.nt, whether m:not:1ben due. 6. Occupancy. Borrower.shall oœupy, .e!:t:¡hHl:h, ID1d me !he Property JiSBorrmver'ß prinr.ip:¡ I I",ciilpnce "within nOrlays .after the .eyp.r.rrt1nn of 1his Secm:it;y 1Dstrument ID1d.Eball ~nntim1f'! 10 .occupy the Property JiS :Borrower'.s princip:¡ 1 y.eciilP.TIr.P. ibr 111 least .one year .after the .date of Dccnpancy, mùess Lender Dtherwise.agrees jn ovriting, wlúch 1:onsent.shall :not be IIIII'f".IIl:nn:lhly withh",lil, or mùess -P."l.'Íf'!1TI1:1tTn.f ciTr:rrm!:t,mr.P.S exist which .are bey.ondBorrower's 1:ontm1. Î. PreservJ1tion, Maint..nan~e JU1d Protection of:the Property; lnspections. Borrower Bha1l .D.Dt l1estroy, ilamage Dr impair the Property, .allow 1he Property to DetP.rÌrml1e or 1:ammit WBSte DIlthe Property. Whether or .11Ot Borrower .is Iesiding jn the .Property, Borrower shall m:¡mt:¡in !he Property jn nràer 10 ]JIeVf:Ilt the Property :from ilP.fffl"Ïnrnting Dr decreasing jn -V1Ùlle lhre 10 its c:nmntinn. 11Iùess it.is .detl'ITTTTÍnf"i! pnnm:mt 10 .section 5 that mpair m:œstoration.is 110t ~nnnmiNll1yfp.:lI:-ih1e,Borrower .shall prmnptly:repair!he:P.roperty II nHm:¡~rllo BVDid ::further rlP.{J'!TÌnrnt1nn .or.damage. If.:insmance or 1:nnilP.11111:¡tinn proceeds .are paid jn 1:0:nnecti0n with.damage 10. .or !he 1aking of, !he :P.roperty. Borrower Bha1l be:respODSible for repairing .or xestoring1he Property only ifLen.der lias T.elf".II!:p.dproceeds for such pmposes. Lender may .disburse proceeds :for 1he.repairs .and restomtion.in.a.single :payIIlfmt.orjnÀ.series ofprogresspaymentsJiSthe worlds ~n11lp1P.ted If the immnmN'!.or ¡;rrnilP.T11nmion proceeds.are :not Jmffir.iP.TIt 10 repair or restore:the Property. ]3orrower is DOt relievt:d ofBorrower'ß on1iJ7»inn for the 1:ompletion Df BDChmpair m:restlmltinn It:nder .or its .agent:mayE31œ ~onàb1e f:Il1ries 1IpDn .amlinspectinnl: of!he Property. If it lias reasOIUlble anse,lt:nder may :inspect the:interior of 1he:improvements un :the Property. Lender.Bl1all give Borrower .D.Dtice 111 1he:time of or prior 10 such.an:interior.inspec:tianlipecifying such 7l"JI1:m1:1n 1;" J::aDSe. . 8. Eorrower'.s Loan Applirntinn Borrower .BhaIl be .in.default ll,.dm:ing1he.Loan 1lppli~tinn process, Bmrower or IDlY peŒOIlS or ~ .acting .at!he rlirectinn of Borrower or with Borrower's Jrnowledge or r.nn!lffl1t pve -mIlÍffl"ÍH11y :false, mil:lf".IIili~ or inaccmate infnnnminn or IIDitP.TT1P.T1tl; 10 Lender (or:failcd 10 provide Lender with -m:¡tP.TÎ:¡l infnnn:¡tinn).in rnnnpr.tÎnn with :the Loan. M:ateria1 ::rept'P.<:P.TItminnl: inc1nde, but.are.11Ot limited 10, :r~!Iffl1t:rtinn¡¡ mTlP.P.min.fBorrower'B or-r.np~cy oftheEmper1;y JiSBmrOwer'B]JriTIr:ip:¡l IP..<:iilP.TIr.f>. .9. J1rotection of T ..-nrlf'T'JI Interest.in 1he Property .æul Bights Under 1his .security Instnuneut.. If (a)ÐIInDWerfails to})ffifmm 1he 1:ovmumt:s ID1d ~P.T11P.T1t!: cnnt:¡iTlp./1 jn íbis Security lm:tn1T11P.11t, (b)1here.is.a1ega1 ]JWr.P.P.r'lin£ tbatmight cigJ1ifir-.mrtly lIffect Leoder'B :inteœst jn !he Property 1JI1d/or :rights mulcr íbis .secmily 1nstm.mcnt (suchJiS.a proceedi:ng:in bankny1tcy, probate, for mTlr'lP.11111minn orfnTfP.itnt-P., forenf'm-r.P.mP.TIt of.aJien w1rich:may .attain -priority wer this .sec:mity ln~nnP.T1t .or 10 :enforce Jaws m .IeJ911minns), m (1:)BOUUWCl lias ~inHl1i1nnpiltheProperty, :thenlt:nder:may.do.and pay for w.hatevm-is Tf'.IIl:nn:ln1e or lqJpIDpria!e toprotec:tLende:r'ß .intcœstin !he1'Iopcrty ..and:rights DDder!his 5ecmity 1nstrnment, indnilingpmtect.iIJg.and/or H!:!:p.mng1he"V1ÙDe of !he .PIoperty, .and ~mTÌT\f .and/or:repair:ing the Property. Lencler'j¡ Jldians I:aIl indl1i1f". but .are JlOt .limited 10: (a) paying .any EDIIlS.secured by aJien whichllas priority uveríbis Becmity lm:tn1T11P.M: (b) Bppearingin 1:0mt; ID1d (c)paying:reasonable 1I1tomeys' :fees 10 protect its interest :in 1be.Property .and/or:rights m1der !his .secmily lm:trnmP.TIt. indnil~ its .secured position :in .a bankmptcy prn~. flpr.nTÏnf: the Property indl1i1p.s, but.is.D.Dt Jimited 10, P.TTtPTi-n,g theJTopertyloE31œ.repairs, clJange1ocks,:rqJ1ace or boardl1p.doors.and windows, rlrain w.at.er :from:pipes, cf!limm:¡tp. bnildi:ng or other l;ode-viol:¡tinnl: or rl~umus .cnnilitinm\ BIulhave:ntilities íomed un or nft: .:Åhb.ough Lender.may take .action Elder !his .section 9, Lender .does.11Ot.bave 10 .do .50 ..and.is.1101 m1der .any .du1;y m nñ1i.vrinn 10 .do BO. Jt.is.agreed thatLimder:incors.D.D Jiabilityibr.D.Dt1.aking.any .or .all.1lCtions mrthnri7..¿ DDde:r1bis Sp.r:fÏnn 9. Il:an Eo: J22072B56 ~~a.£~]õ.amily-::FJUmie.MaelFreddieMac IINIFOBM1NSTRIIMENT -:THE l"'nMPT T ÁNCE SOlJRCE,lNc.- P.age '1 of~4 ~~ _OIIIIIIIIIIDII MERSModified:Form3051 01I0l ~43Ø1WY JlllÐO moIIo,:Ibe~liowI:I:,lAo. r;:f¡::::~~"::;:!::;:~ ~:!~~:;;~:~;i ~~i~*t~iQmm~-&f~ :~::~lt<R;Qr;i~~~ ,~.:;:.~..:.:.:.:~.:.:. 1'· ·j·I':-.I.~,r.'j.~1 :~;~:~::~:>..~'.H::::: . ,:'.r. "~I~;', ~ :Ò:~:I.." ¡ .';.'. ·..:,:.',·,~.:L.:.'.À·,'.·, .--.,..',- .~ .,- -- ;...._!.;,.:.. '-~.',' ,,{,,;' ~225 Ú"-J è....;-:t~ . ~ 00646 ÅIIy JIIIlOunts rlisbmsed by LenderJ:JDder this Section 9 Bha1l become annmnnal rlebt of Borrower .secured by 1his .security lnstrumcnt These.amounts BhalJ. hear interest .at the Note :rate.from 1he .date of .disbnn:p.mp.nt .and .Bball be payllhle, with such:interest, 11pon..no:tice from l...ender to Borrower:requestingpaymcnt. Jf:this Security lnst:rumcntis ruUllp.lI~hnlrl. Borrower.shall !:omplywitluùl1he'proviBions of1he lease.:If :Bmrower .acquireS fee 1itle to 1he.P.roperty,1heJ.easehold.and the fee title shall1lOtJDeI'ge11I1lessLender lIgI'eeslo1he .mcrgerin writing. 10. Mortgage lnsur.ance. Jf Lender:required Mortgage In~rmmœ .as .a ¡:;nnrlirinn of making 1he Loan, :Borrower .shall pay the premiums:required to m.aintain the Mortgage 1nsmance in dfecl If, for BI1Y re.ason, 1he Mortgage ImmTllnœ r:overnge required by Lender œasesto be .avBiliible.from 1he:martERge :insurer that previously J1I'OVÏded .such.:insurnru:e .and .Borrower w.as :required 10 maIœ separately nf':Iril?1l1tP.tt pay.men1s tow.ard the premiums .for Mortgage lnsunmce, Borrower .shall pay the premiwns required to obtain r:over.age snh!rtllnt1l1l1y i:quivalentlo the Mortgage 1nsurance previously in mœct. at.a cost .subst.antially ~quivBlent 10 the .cast 10 ~OImwer of the Mortgage .Jnsmanœ :previously in dIect. funn .an altemllte .mortgage :insurer se1ected by.Lender. .If.substantially eqnivlÙeIlt Mortgage Immrnn~ coverngeis 1lOt.available, Borrowf:T.shall cnntTnnP.topayloLender1he.amonnt of1he sepamte1y .designated payments !hat were .due w.hcn 1he.insurnru:e r:overnge œased 10 be in effect. .Lender will.accept. l1Se.and JdaÏn 1hese payments liS a DOD.-]'P.fiml'lllhle: Joss :reserve in lieu of Mortgage Tmmnmœ. .such loss reserve .shall be :non.-pIDmrillhle, notwithstanding the.fact 1bat the Loan is nltirnlltf':1y]?3idin full. .and Lender .shall not be required 10 pay:Borrower IDl)' interest or f>Mt1~c: on..such Joss :reserve. .Lender can no longer:require loss :reserve:payments if .Mortgage Insnrnnœ r:overnge (in 1he JIIIlOunt.and for the period thatLender:regnires):provided by .an.insnrer .selected by .Lender again becomes .avBilable, .is obtained, 11I1d Lender:reqni:res :separníeJJr .designared payments loward 1he J'TP.11111l1m: for Mortgage1nsurance. JfLenderrequired Mortgage T-mmnmr-p. as.a r.nnnirinn of'111!1lcing1heLoan.and .Bœrower was required to 1Dake BepBIately .designated payments loward 1he ]JreDlimns for Mortgage 1nsurance, .Borrower.shall :pay the premiums :required to mll1ntlli11. Mortgage 1nsurance in effect. or to provide .a non-:rP.i'nnri!lhlp. Joss:reserve, until Lender's :reqniremfmt for Mortgage 1nsurance t:nds in .accmilllTl~ with IDl)' w.r:i.tten lIgI'ecment between Borrower .and Lender:providing for BDCh tt':1Tl11nMinn or11Iåiltt':1Tl11n:rtinn :is required by AppIicableLaw. Notbingin1his Section ]0 a:ffects:Bmmwer'.s obligation 1o:pay intcrcst.atthe:rare}1I"OVided.in the Note. Mortgage lnsmance Icimbm:ses Lender (or .any :mti1y1bat:purchll!:es:the Note) for œrta:inlosses it.may . :incnr±f:Borrower does 1lOtrepay1heLoanliS agreed. BOIIDwf:T isnot.a:partylo:theMortgage Jnsunm.ce. Mortgage IDsurers evalnate 1hcir 1ota!:risk on all such iT1lmrnn~ in force funn ~ 10 time, .and:may tm1er .into ~Ìnffiltl: 'With other:parties 1bat.share or modify their Iisk. or:reduce losses. These .agreemFmtl:.are on 1erms .and r.nnnirinm that.are 1::rtid'ar:tOTJ 10 1he :mortgage insurer .and the other:party (or -parties) 10 :these .agrt'P.TT1P.T1h:. 'These .agretmlP.nt1: may n:qni:rethe.:mmtgage insurer 10 :make:pay.¡rumts 1ISÍDg any .source of:funds1hat the DlOl1gage insurennay.have available (w.bichmayinclnde.fimds Dbtained1i:mn.Martgage Immrnnr.e:premi1l1T1I:). As .a:result of these .agTfi'mlFm"\ Lender,my purr:haser of:the Note, .another:i:nsnrer, .anyreinmrer, IDl)' other mtity, or IDl)' affi11l1te of IDl)' of:the ÍOIegoing, .may receive (dhectly or indirectly) .amonnts 1hat ifcrive 1i:mn (or :might be cl1aracterized .as) .a:portion of .Borrower's payments for Mortgage Tmmnm~, .in ~xr.hllnfe for .sharing J)I' .:modifying the :m.ortgage IDsuœr'.s:risk, or:reducing losses. Jf such lIgI'eement:provides !hat .an !lffililltp. of Lender 1aJœs .a Bbare of the .insurer'B :risk..in. ~r.hange for a share of the J1Ternimn ;¡ :paid 10 1he.insurer, 1he .arrangement.is nften tenned ~'L:aptive rei.:nsu:mnce." J'nrther: (a) .Any.mch .agr-mPlltlil "WiIlnot ~ect the.amounts that .ÐOJTower bas .agræd to pay for Mortgage Jnmr.ance, or JUly other terms øf1he Loan. .such ~gn>P.mf'ntlil will DOt increase the .amount .BoITOwer will owe for Mortgage1Dsurance,.and theywillDOt :entitleJJorrowerto JUly.:refund. (b) Äny web .agJ"f'P'RlPII+c will DOt Jd'fèct the rights Borrower bas - if JUly - with respect to the Mortgage lnBDrance under the .Homeowners Protection .Act øf1998 or JUly other Jaw. T.hese rights :may inrlnilC" the right to receive certain ilisclosures, to request.and obtain nnrf'llanon of the Mortgage InsurJUlce, 10 .have the Mortgage JnsurJmce termina+("d JUltOJII:lnrally, JU1.d/or to receive ~ refund of JUly Mortgage .Insurance premiums that were DJJ.eamed JÚthe time ofsuch ~anr..nmnn or1ermina:tion. I.aan No: J22072856 Wy~MorttA2e-.s~eF.amily,.::FJUUJieMaelFreddieMac TINI.FORMJNBTRTIMENT -,-TBE COMPLIANCE SOURCE,lNc.- PAge B .oU4 www.cmupliw...........".amIDlJIIIUIIIU_ MERSModü1ed1i'0rm3051 ß11ß1 .1ÐOlWY JIIIIGO mooD, ~CøIupIiaaa=.!Iwmo,lnD. ..'.'...........!.........,... _·'-"';".!U!i..;.'.:.'_' ;.! 'O..;." noL',"':-' I:::"'?~s; UJ~~-"f::.!'LL 11. Assignment Df J.\fiSl"p]]anpous Proceeds; Forfeiture. All lvf1!:œ.l1:mp.ous Proceeds .are .hereby 'H~P.rf to.and.sha1l be paid to.ùnder. Jf1he Property is rlamaged, .such ]vf1sœ.l1:mp.ous Proceeds.shall be.app1ù:d to rcstornrion Dr repair Dfthe .Property, jf:the restarntion or re¡µtÏr is fr.nnnm1C".ß 11y feasible .and Lender'B .security is .not lessened. During.such .:repair .and restorntion period. Lender .shalll1ave ilie .right to l10ld 5Dcl1 lvfisœll::1np.ous Proceeds :un:till..endcr .hasJ1ad 1m DjJportmrity to inspect 5Dcl1.Property to 1IDSlIre the work.has been ¡:onqlleíed to .Lender'B !:::Iti!:famnn. provided :that JmCh Èspection .shall be mulertaken promptly. Lender:may pay for 1he :repairs ~ IP.!:tnrntinn m A Bingle ilisbnn:P.mP.r1t or.in.a.series Dfprogress paymen:ts.as the work is cnmplP.tp.n. 1Jn1ess.an ::JßTPP.D1p.nt is mad.ein writing Dr App1icable Law mprires interest to be]laid Dß BUCh Mi!:r.P.lI::Inp.ODS Proceeds, Lender Bhall.not be :requùed to pay :Borrower 1mY interest Dr p:mrin~. Dß .such M1sœl1:mp.ous Pmœeds. Jf 1he restmation or n:pair is .not pr.nnnm1C".ß 11y iP,llInñlp orl..endcr'B .secnri1;ywonld be1essened, the M1¡:œlIanp.ousProœeds.shall be.app1ied to:theBDID.S.secured by 1his.5ecm:ity 1nstmmcnt, w.hethcr Dr.not 1hcn mre, with the i:XœSS..:if.any,]Jaid to :BOUUW1:l. .such lvfisœll:mp.ous 1'roceeds Bhall be BpJilied in -the order provided for :in .8ection2. 1n!he event of A total1aking. destm.ction, or loss in v.altre Df the.Property, 1he lvf1sœll:mp.ous Proceeds Bha1l be.applied to:the 5DII1S .seemed by 1bis .security 1:nstnJment, whether or.not then rlne. with -the~,.:if .any,]Jaid to :Bm:rowcr. 1n:the~ ofApartial1aking, de.c:tmmnn, or Joss in v.alue Dfthe.PIOpertyinw.hich-the.:fair.:marlœtv.abæ Df -the Property immpni:ltP.1y before 1he :partial1aking, rlestruction, or Joss in VB1neis egnal to or grearerthan the mnount of the BIDI1S.secnred by1his .8ecm:ityTmrtTl11T1f'mt TmmP.ri1:1tP.1y before the:partial1aking. ripJ:trnmnn. {]I" lossm vIDnc, DIiless Borrower .and Lender otherwise.agree in writing,the Bl1II1S !:f'r.I1TPiI by 1his .5ecm:Ïù' Tm:tmmP.T1t .Bball be TPiITI~ by1he.amount nfthelvf1Rœll:mP.QUSProceeds mllItip11p.i! by1lÌefallowll1g:fmction: (A) the totalllDlODIlt of 1he Bl1II1S BeClITed immp.rnffiP.1y before the partial1aking, rlestmcti.on, Dr loss in VB1ne iliv.ided by (b) 1he:fair.:market "W1ne.of1he Property immpiliatp.1y before 1he]JBI'tial taking, rlestruction, or loss in VB1ne. Any haJanœ.shall be paid 10 :Borrower. 1n 1he even1.of 11]JBItial1a1ån,g, c1~]mnn. or loss:in. v..alue nf1he.Propertyin which:the fair:marlœt v.alne.nf 1be Property immpili:ltP.1y before the:partial taking, rlestruction, .orloss in v.abæ.is less 1han the .amonn:t Dfthe BIDIlS _1'I1TPiI immpilimp.1y before 1be :partial1aking, n~Rtn]mnn. or Joss in ~ mùessÐorrower.andLender othcrw.ise .agree.:in ~ the lvfisœll:m~ous:Froœeds BhaJl be 1ipplif:d to 1he BIDI1S ~1":\,)TP.éJ by 1bis Becmity Tnfi:trmnrmt "'Whether orDO! 1he.sums 1l1'Cíhcnl1u.e. Jf the Property.is ah:mlinnp.n by :Borrower, Dr it: .aftenlOtice by LenderloÐorrower that -the Opposing PMf;y (.as.r1efiDed in the:next Rffl1tP.nœ) offers to.:make lID.11'vmd to Bettle 11 r:1aim:for n:nnJW'!!::..Borrower:fails to :respond 10 Lf:nder-within 30.day1:; .a:fter1be.datethe:noti.ceis given, Lender is ::Inthnri7p.1i to aill.ect1l1ld..app1y1he.M15œ.1J:lTlp.ouS Frocee-.ds:eithertoIP.!:tlTT':ltinn DrJ:'Cj13Ír DftheProperty orto-theBUIIlSBeCl1red by1bis.security Tm:tnnnP.T1t, wbethcr or .not 1ben iiue. =Opposing Pæ:t1' :means 1be 1hirdpany:that owes Borrower .M1Rœll:lTIP.ous Proceeds or:the]»1Ity .against w.hom:Bmrowerllas.a..right Df .actìonm:reganl to lvfisr.P.l1:1nP.l1US Proceeds. J30rmwer Bhall be:in .defan1t jf .any ..action or ]R'oC'P.Pilin.f, w.hether civ.il Dr crimin:ll, is begnn 1bat. in Ltmder'.sjudgment, rouldresult.:in fllTfP.itrrre of the Property or other~mfflÌ:ll iT1'1Jl:limumt nfLender'.sinterestin the .Property or rights 1II1der 1his .5ecuri1y Tl1Rtn11T1p.nt .Borrower am œre 5Dcl1 A .default .and, .:if ::I~œlP.T:Itinn .has DCrnTTP.d,:reinstate .asJlIUVÏded:in Bection 19, by ~:lm:in.f the..action or]R'OœP.n111gto be .dismissed with A:m1ing1hat, inLendcr'.sjudgment, predl1i1P.R fnrl'P.itnTf: Df1he.Prop~ Dr Dther~:ltP.ri:lliT1'1JlIlinnP.T1t DfLender'B interest:in.1be .Property Dr TIghts Jll1der 1his .8ecm:ity Tnfi:trmnP.T1t. The]R'oceeds of..any Award or claim:for rlamages 1hat lire 1Ittñbntab1e1o 1heimp:ñnnP.T1t nfLendcr'.sinterestinthe Property lIrel1creby :lR!:Í!?,piI.and Bhall be:paid loLcnder. All.MiJO:œl1 :mp-ODS Proceeds :that lire .not .applied to J'P.,c:tnrntinn .or:repair nf 1he Property .shall be :app1ied jn 1be orderprovided:forin SP.ctinn 2. 11.. .BoITower Not "Rplpa,ed;:Forbear.anceBy:Lender Not.a Wæver. "R1Úffl1!:Ínn of1be1imefor]JRJ'1I1eIlt m~nrlifir.:rtinn Df amnrtÌ7minn nf1heBlDI1SBeCl1red by1his Becm:Ïù'lnRtnummt grante.d by Ltmderto:Bormwer Dr ..any Svccp.ssar :in. Jnrerest nfBOll.uW1:l .shall:not operate 10 Icl.ease 1he liability of :Borrower or .any .5ncœ!:Rrm: in TT1f~st nf ÐormweT. Lender Bhall.not be:required to L;nmTTlP.T1œ :prnr.t"Pili~.against.any .sl1~~~SOT in 1ntcrest of ~00647 IDan No: :122072856 WyÐDlin:Mort~aee-~:FJID1Íß'-~Mae/F:reddieMac TINIFORMJN8TBDMENT -1:m: COMPUANCEBOIIRCE,1Nc.- :I'JAJ:e 9 JlU4 -.now..~ IIIIUDUDUI MERSMDdified.F0rm3051 JI1JfI1 .14JÐIWY JIII C2D0D.:aw I::œqili¡mcc-,lnø. ~;:·:·N·J":;:·Z:i;:¡~ -~~~~ :;¡¡;~;~;i;~m~m~m:~ '"''''.<':~"~-¡¡~'~,:.,~:;.:-,-'~,j';'~': ,;""".'. ..'..,' , ,.' '.,'..,.-.,.'. ------~-,_._-_.. . ~¡~'~~:¡~':h','" ',·,-:-_~~~~""""#,....6r,::.::ei..::::_:";;:i,:,, ..:.:;.,,:'...;. . -'.c :'''''¡,' "'~ . ":.' . !,::', '. iilt,·'! l::""?":loS u~J~~~t!:.ð ~. 0 {) 64 8 Bmrower or 10 refuse 10 ~ 1ime:for payment or otherwise modify amnrlÍ7mrm Df1he 1illIIlS.secured by 1his Becuri1y Instrument by :reason of .any rlp.m:mrl made by !he original Borrower ill' lIDY Bu.ccessors .in lnterest Df Borrower. Any forbeanmce by Lender in exercising æy :right ill':remedy i1ll~111ilillg, without lrrnltmrm, Lender'.s .acceptance of payments from 1hird persons, erIl:ities or Successors in.Interest ofBorrower ill':in mnmmts less:than.1he 1lID.Ount 1hen due, .sball.not be A waiver of arprec1ude the ~cise of.any TIght orrßD1edy. 13. .Joint.IDld .sever.alliabiIityj CD-Bigners; .successors JU1d A!I!lign ~.Bound. Borrower l:OVtIDaDts.and .agrees 1hat BOTIDwer's onlivtinm1.andliability .shall be joint1111d.several. Bowever,.any Borrower WM œ-.signs 1his Becurity lnstrument bnt Does..not fm:CDte 1he Note (a "co-.si.gner"): (a) is l:o-.signing 1bis Security Tm:tTllmp.nt onlylo JDOrtgage, grant.and conwy!he CD-BÎgner'.s .interest in the Property :under íh.e terms of 1bis 5ecurity TTnrtrl1111P.TTf; (b) is .not personally Dbligated 10 J13Y !he 5DIIlS .secured by this .security 1Dstmmffllt; .and (c) Bgree5 :that Lender .and .any DtherBorrower I:aIl.agree1o m.en.a.JD.Odi:fÿ, forbear onnake.any BCCnmmnrlmrms with:regard 10 íh.e1erms Dftbis .securi1y lnstJUment or the Note witbnnt1he œ-.si.gner'li cnm:p.Tlt Subject 10 the prov.iBions of Section 18, .any .su.ccessor in lntp.Tp.st ofBmmwer w.ho ::t~P.¡;: Borrower's Dliligations W1der this Becurity lm:tnrrnffllt :in writing, .and is .approved by Lender, .shall obtain.all of Borrower',S :rights .and bencíits under !his .security 1nstrmnent Borrower .shall..not be Tp.lp.a¡;:p.rl from Bmrower'.s obligations .and Jiabilit.y under this Becm:i:Ið' lm:tnnnffllt unless Lender ägreeS 10 BUCh release in writing. The .covenants .and .agreP.mp.llt¡;; of this .security Tll~P.I1t .shalllrind (except as])I'OVided:in Bectian 20) .and benefit the BIJCœSSors .and assigns of Lender. 14. Lo1m Charges. Lt:nder 1IlaJ .charge Borrower ÊeS .for .services pffrfmmp.rl in .cmrnp.r.tÍnn with Bmrower'.s rlefiwlt, :for 1he:plIIJ)DSe of protecting Lender'j¡.interest in 1he .Property .and :rightsmuler 1his .security 1Dst:mment, iJ¡r.1nrlÍ11f, Dnt..notJimited 10. attorneys' .fees. property :inspection.and valnatirm ÊeS. lnregard 1o.any Dther:fees. the .absp.nce nf express anthnri1yin 1bis.security TTlJ:tnl1T1P.11tlo charge a ~Ëe 10 Borrower .shall.not be .construed as 1:) prnhihitirm nn 1he.charging of.such fee. Lcnder1IlaJ.not charge.:fi:es 1hat.a:re exprcssIyJll"nnihltpi bytbis Security .Imtnnnent ill' by .App1icableLaw. Jf the Loan is BUbject 10 Alaww1ùch.sets m:rriT11T1m loan .charECS..and ~Jawis:finally.int.erpreœd,So 1hat 1heinterest Of nther loancl1arges cnllpr.ted Dr 10 be l:011ectedin cnnnp.r.tÍrmwith 1he Loan ma:eed the ptmTIlttp.iI limits, :then: (a) my .such loan :charge.shall be minced by !he .æ:nonnt TlP.t'P.ttmy 1o:n:du.ce !he .charge 10 !he ptmnitteò linili;.and (b).any .BIID1S.a1rf.ady collected fmmBmrowerwlñcb. ~Tr.P.P.( ed ptmTIltt~c1limits will berffiimrlp.iI 1DBorrower. Lendcr:may clwoselo.make this refund by~rlm-:iT\f1heJ1rim~ip:¡l Dwed 11DdertheNote ar by-m::tkiTlfB rlirect payment 10 Borrower. .If A refund reduces pri11cipal, :the Tednr: lnn will be treated as A partial:prepayment w.ithoutæy ])repay.m.entcl1arge (whether ar.not 1:J:prepayment cl1argeisJll"ov.idcdfornnder1he Note). Borrower'.s .acceptance Df .any .Bllclu'di:ouhnade by llirectpaym.cn.t 10 Borrower will crm!:titntp. A wlIiver DÍ .any Iight of .a.c:tion :Borrower ])ùght lmve.ariBing ont of..such overcharge. 15. Notices..Áll:nntiœs given by Bmrower Dr Lender:in amnect:i.on with 1bis Be.cm:ity Tmrtmmffllt.must be in writing. Any:notice 10 Borrower :in l:mmer.tÍ nll with 1his 5ecmity 1mtmment.shall be ilP.P.T11p.illo.have been given 10 Borrower when:mailedvyiirst.c1ass:mail Drw1æn.a.ctuaIly iI.e1ivmed 10 Borrower',S:notice :lilc11'f"ssifscnt by other :means. Notice 10 .any DD.e Bm:mwer .shallœnstÏ.tnte mltice 10 .all Bmrowers :nn1ess .AppliI'Jlnlp. Law expressly requires otherwise. The..notice address .shall be the Property .Address 1111less Borrower.has de!:Ï ßJ1atp.( A 511hmnùp. :notice .address by :notice 10 Lender. Borrower.shall promptly .notifY Lender ofBmmwer'li clumge Df address. 1f Lender .specifies 1:J prON".rln~:for :reporting Bmmwer'.s change of .address, then Borrower .:shall only:report A dlange nf Address throngh !hat Bpecified procedure. There:may be nnly DD.e rlp.!:Ï.ßJ1atp.rl .notice .address 1IDder 1bis Becnrity 1m:tTI1TTlP.I1t al.any nne:t:i:me. .Any:notice 10 Lender .shall be Eiven by iIe1:ivm:ingit Dr by-m:¡:¡linfit by:fíIEt class mail 10 Lender '.s address .stated J1eœin 1JIl1ess Lender .has .designated .another .address by.notice 10 Borrower. .Any.notice in connection with 1bis Security lnl:tnTmP.11f Bball.not be rlæmp.illo.have been given 10 Lender:nnti1.actwilly Jrœived byLender. If.any.noticereqnired by1bis Becurity lnstmmcn1is aIso:required mu:ler .AppliNlhlp.Law,!he.App1icable LawIeq11Ïremen1 will Batisfy1he .cmmsponding :reqni1'P.Tl1P.Tit muler1bis Becurity JnstnrrnP.T1t 16. Governing Law; SeverAbility; :Rules of Comtruction. This Security Tm:tTJl1T1ffllt .shall be governed by.ft:dera1 Jaw .and !he law nf:thejurisilip.tinn:in wbich 1hePropertyislnl'~ted .AII:rights.and oblivtimu¡ ~rmtainf'.rl IœnNo~ J22072856 WyØIIIÏIII Murtguge-BiugleF.amily-FJUJDieMaelfueddie Mac IJNIFORMJNSTIlIJMENT -THE COr.IPI.IANCESODRCE,lNc.-- ]>.age~O of~4 vww ~""q.6,,,_.......... ~ IlIUIIIJIUIIIIJI.. l\1ERSMDdifiedFmm31151 ß1/01 .1<13Ø1WY Jll/OO mooO.:DIe Com,pIi¡mocBoura:,Jna. ..::,,:···....~;·...~~~~'¡!I....'.~...¡·~...u¡:.~:..;>;:¡~;:z.;aii!lb.<.;,"'-':.:±i.:,',.i.a..:·i...:.: '."'-"':';-"".-,~"_,"';:~~W".:,,.:"'!.' . ·;"r"'·s~.;y;·,·,·,·.·,¡'.~!¡¡'..!f'JI'.·'~'·'·,· , ':~,:.L,-"\¡:_""!j:.:J'~~Cj·~.'.{·.S.h'· '-:~:;:I';t¡;:,.;':v..t~,···.,;: I .:¡ <ót.\~,;';o~';.':~;';<,':.·.~"'.',· ",. ..~. ,-~<t")¡2r- U::)~'-~~ ·0 ,... '.- 00649 jn this .5ecmity lnsmm1cnt .are subject to 1InY requirements lUld limitminns of .Applicable Law. .Appli~nlp. Law :might ðJllicitly or implicitly .allow the pmtü:s to llgI'ee by !:ontract oritIDigbt be silent, but.such -Bilence.shall:not be mnstmed 115 .a prohibition lIgBÍDSt Bgl'f:CJIleIlt by !:ontnlct. In 1he ~ that.any:provision or clBnse of this .security 1nstrmncnt or the Note!:on:f1icts with Applicable Law, such amflictBhall:notaffect other provisions ofthis.secmity 111RtmmfflTt or the Note wJ:rich.can be given dfuct without1he mnflir.l'i1\g]1I'ovision. As used .in t1ús .5ecmity 1nstmment: (a) words of the -l1UIJlMl1ÍT1P. gender 5hall :mean .and .include !:arresponding neuter words or words of the -reminmp. Eender; (b) words in 1he Bin.gular .shall.mean.and.include 1he ]ÙImÙ.and vice veI5a;.and (c) the word "may" giveuolellisc:retion withontmry obligation to take1lIlY lICtion. 17. .Borrower's Copy. Borrower.shall be given one copy oftheNoœ.and of this .security Tm:trnmfflTt 18. Tnmsfer of the Property or a.Bf'nf'fir:iallnterestin.BolTower. .As1ISCdin1bis.5ection 18, ~1ntcrest jntheProperty":means mry le¢ orbp.nrmr=Ï~lIDtert:St.in 1hePmperf;y, indnèlfrtg. butnotlimìtedlO, 1hose bP.TIrmr=Ï:ll interests tr:m~.in a bond for .deed. !:ontmct for .deed. im:t:lllmf'mt Bales contract or t:SCrow .agreement, 1hemtcnt DfwJrichis1hetransf'cr of:title by .Bmrowcr Bt.afuture.dateto.a pnrx::bascr. If .aJI or MY part of the Property or.any lnterest.in thePmperf;y is.so1d or1ransferred (orifBorrower is:not.a ~ person .and a bP.TIffl'ici:ll interest jn Borrower is .sold or -mtm:fi~1Ted) without Lender'.s prionvrittfID ~nnJlf'!llt. Lendennay Tequire immp.n1:np.payment.infull of 1ill $UIDS.secured nythis Security lnst:rnment However,:this 0jI1i0n Bhall:noîbe~ed byLenderifBUCh p.xP.Tr.Í¡:P. ÏspTnhlhiteil by Applicable Law. lfLendcrexercises this option, Lender .shall EiveBorrower:notice of.acœ1erntion. The:notice.shall]1I'ovide .a period of:not less 1han 30 .days::from the .date lOO:notice is givenin ~r-r.nréhmr.P. wùh -&:ction 13 within which Bmrower Jl1llSt pay .all .sums ser.rneil by this .security lnst:rnment 1f Bmrower:fails to :pay these .sums prior 10 the EXpÍUItinn Df this period. Lender :may .invoke my :Tf~mp.ilip.JI pennittp.iI by 1bis .security 1nstmment without :further .:notice or rlp.m:lnrl onBorrower. 19. .Ðorrower'1I Bight to.ReinstateAfter:Acceleration.. JfBmrowerEeets.œrta:in r.nnilitinnlj, Bon'ower :sba11have the right to.have ~P.nt of this .security Tm:tmrmmt rliscnntimlp.éI .at 1lIlY 1ime:prior 10 the earliest of: (a):five nays before.sale Dfthe Prope:rtypmsuant to 1lIlYpower of.sale .crrnt::IlnpA jn 1bis :Secnri1y 1m:tnTT11P.nt: (b) BUCh ,Dtbcrj)CriodliSA:pp1i~~nlp.Law.:migbt.specifyj'ortheTp.rmnl!rrimi ofBDrrower'.n:igbtto rci:nstate; IIr (c) entry Df.a jut\v'nP.11f :enfon:ing this Becmity 1nRtmmP.11t Those mmTIrinru; .are 1hat.Bmrower: (a) -pays Lender .a1l.sums which .1ben would be 1lue .nnder1his .secm:i1y1nstImm:n:t.and the Noœ 115 ifJ10 ::ICr.P.lf'T.ftÍnn.had occuued; (b) cores.any licfanlt of lIIJY Dther t:ovenants or BgI'P.P.TT1P.nt¡:; (c) pays 1ill expenses incmred jn enforcing this .security lnstnnnent. -indniling, but:not Jimited lO,IP.:I¡;:nn~ñlp.1I1tomeys' :fees, JlfopeIty inspection lIDd -v.I]n:rt10n :fees, lIDd other::fees :incmredfor:the -pm:pDSe ofJlfotf:ct:in.gLender'.s:in:teTest.in 1bcPmperf;y .andrigbts:nnderthis .security 1m:tnTT11P.11t; .and (d) 1akes .such.action 115 Lender EaY :reasonably Ieqnire to .assme that Lender's:interest jn 100 1To]>erty .andIigbts 11Dder1his .security TnRtmmP.TIt. .andBorrower'.s Dn liz;¡tinn 10 pay the BUIIlS .seemed by this .security Tm:tn1TT1P.TTt. .shall r:nntimlp. 11TI~hm1U.cl. Lmuiennay:reqni:re thatBorrower:pay BUCh:reimð~tP.111P.TTt .sums.and -expenses.in one or.more ofthe.fo1lowfug::furms,BS _lp.çtp.dbyLender. (a) 1:85h; {b):money order; (c) œrtffiP.rI cl1eck, bankcl1eck, 1:reasorer's I:beck or z:asbú:r'.s cl1eck, ::provided BIIyBDCb .check is rlmwn ~on.an -in!:fi1ntinn whose .deposits .are insnred by .a :federal~. im:tn1111f'mt~li1:y or fm1:iJ;y; or (d) Electronic Fonds 'TTllm:fP.T. 1Jpon rcin!:t~tP.Tl1f'mt by Bmrower, 1his .Becmity lnstmmen1.and onliz;¡tinnJl.secnredl1creby Bhall.remai:n:fully effective 115 TI:no ¡¡~r.P.1P.rntinn.bad oC"r.mTed :However, thisIiEhttoreinstate.Bba1l:notB,pplyinlOO case of JlN'P.1P.TRtinn1IDder .section lB. .20. Bale of Note; r.haftv ofLoanBerv.icer; Notice of GrievJUlCe. The Note OT .a:partia1:interestjn1bc Note (toEC1herwitb 1his.security Tm:tn1TT1P.T1t) I:aD be.sold nne or.more:times-without])rior:noticelOBorrower..A.sa1e :might:result::in.a cllange jn:the mtity (k:nowllliS:the "2.oan &rviccr') 1hat t:Ollects.Pf:riodic P.ay.ments .dDe :und.er:the Note .and this .5ecuri1y 111!:tnnnP.11f .and :p!!l'fimn¡: other --mnrtgµge loan.BCrVicing Dòl~:rt1n11!: :nnder the Note, 1his Eecm:i:tyInstrmnent,.andApplicableLaw. Thcre.also:migbtbe nneor.more ~hm1!r-!) of the Loan.serv.icenmrdated 1O.a.sale of the Noœ. 1f:tbereis.a cl1an.ge of the Loan .5crvic:er,Borrowerwill be given written:notice of the ~e wJ:rich will.state the:name.and.address of the DeW Loan .scrvic:er, the 1U1dress 10 which payments.sbmùd be made.and .any other infnrm~tinn BESPAregnires jn cnnnp.Minn with.a:notice of 1Iansfer of BeIVicing. 1f the Noœ:is .sold lIDd ThP.TP,;¡fter the Loan is .serviced Dy .aLoan .servicer other:than the J1111'Ch~JIP.T of the Note, !he mmt~ Joan..servicing Iam No: J22072856 -WYOllÚnl~~:FJIIDily-li'....nip Møpllt'reddieMac ENlFOBMJ:NETRIJMENT -THE C'n"A<lPT 1 ANCEBoDRCE,mc.- .1'~.,.u J1Í~4 vwwmmp';nn_N_n= IIUIDDIDIDI MERsModifiedFmm.3OS1 Dl/Ol .1Ð01WY JOO mooD, "Thc~Bouøz,lw:. liliili1~mmj p;ill~~!r~~i~~¡J , '-:·~;';~!.·I'~.~;:¡ "'., ":,,-~,',,,',';!"::;:'¿'.\l!,::--': ':"'~"'!¡""!~¡...~~...', _,., ·~...,,;.~¡aw.~:~.:'i"...': .;;¡,,:?,~~:::,:;. ,:':'~::..' ':...;c~,_' . .;,:<,.1 '~'¡'.'. ·~·i~;· , ......--):rb~ ,'C¿·. ~~~"-" ~J -..J ~'" ;'00650 obligAtinns to Borrower:will remain with 1he Loan Berviœr m be tnmd'P.Tred. to 11 BUCCeSSor Loan Berviœr lIIld 1II'e ~t 3!;"'1TI1Pj by the NotepmchascrIlIÙeSS otherwise provided by !he Note:pmr.nA!;P.T. Neither Borrower .nor Lender .may .cnmmp.n~, join, m be joined to lIIlY judicialllCtion (as cither .an individual litigant m 1he.member of B class) that arises from 1he other :party's .actions pursuant to this Security 1nst:rument or that Blleges that 1he other party has breached .any provision of, m .any duty owed by reason of, this Becurity Jnstrument, nntil 511Ch Borrower m Lender .has ~tified !he other ]>BI1:y (with such EJtiœ .given .:in r.nmpli:mr.e with 1he :reqni:rements of Section 15) of .such .alleged breach .and .afforded 1he other:party .hereto 11 ~onahle period 11fter 1he giving of.such JlOt:ü:e to take .corrective.action. If Applir.Ab1d.aw J1TOvides B 1ime :period w1úch.must 1ili1pBe before L:CItain.action .can be 1alœn. that íim.e:period will be d~p.ci to be:reasonable for pmpDSeS of1hisparngraph. 'TheJlOtice of 1iœelP.rntion.and opportnnitylo eme given 10 Borrower pmsnant 10 Section22.and 1be JlOtice of accelP.rntinn .given 10 Borrower:pursuant to Bection 18.sluùl be cieemp.r' to .satisfy !he JlOtice .and opportunitJ to 1ake .cm:rective.a.ction provisions of this Bection20. 21. Jiazardous Substances. As nsedID this Bection21: (a) ~J:mlTl'l[)Us Bnb!ð:m~s" 1II'e1hose S11Ò!ðJITlr.P.1': Jlefined .as toxic or hJmnrlnus substances, :pnllntJlTltl':, m wastes by.Envimnmcnta1Law .and 1he.fallowing Jll1h!ðJlT1r.es: poline, kerosene, other flJlTTmmhle m toxic :petroleum:products, 10xic ]>p.JrtÍMnp..r.: .and l1erbicides, VDlatiIe Bolvents, TIlJlterial!; mntainin£.asbestos m fnTTTIJllde1ryde. .and T:tmnActive mAteriAll':; (b) ~onmp.ntAl Law' JDeaDS 1'edcra1 laws lIIld Jaws of !he jm:isdicti.on wl1ere 1he Property is located :that DiliIte to l1ealth. .safety or envirmrmP.TJtJll :pmtect:ion; (c)""Enviromn.cnta ('IP.JlTl11j1" .IDcludcs .any RSpODSe .action. :J'P.TTIp.dia] 1lCtion, or remoV1Ù .action, .as .defined in E:nvironmcnta1LaW; .and (d)JIIl ~nTTTTlP.TJtJll Condition" means B r.nndirinn 1ha1.can.cause, amtñbnte 10, m ntherwise:trigger.an£nvmmmcntal r.JeJlT1np. Borrower .shall ~t cause m permit the :presence, 11Se, ilisposal, Btorage, or.release of .any RJl7.JITnous .Bubstances, nr:threaten toIel.ea.se.any R:mlrdous Substances, on or.in1hePmperty. Barrnwer BhallJlOtrlo,.nor 11llow .anyone 1:lse 10 00, .anything .affecting the Property (a) that :is :m \TÍol:rtinn of .any .Environml'lT1fJll Law, (b) w.hich creates JIIlEnviroTTTTlP.TItJll Conèlitinn, m (c)wJùch, ilue 10 1he:presence, 11Se. m:release nfA RJ17Jm'lnus Bnb!ðJln~, I:reates.a mnnirinn :that.adœrsely Bffects 1hev.alue of!helTnperty, The:preceding1wo J:fflItffl1~S .sball~tBpp1ylo the .J!reSC11CC, :use, mBtorage Dn the .Property of :swan JI11J1T1titiel': of Bazardous Blln!ðJlT1r.es :that lire gcnera1]y ·IeCOgnized to be iijlp1oj11Îate 10 .D.OImal x~o:inffl1tiJl 1.:uses .and to TIlJliTItp.nJln~ nf!he Property (mdlln~, 1mt:not Jimi:tedío, hA7~TdouS };l1l1¢Jm~,>:in .consnmerproducts). Borrower Bhall :promptly give Lender written JlOtice of (B).any .invP.r.:1iglttinn, claim. dp.mJlT1n.1awsuit m nthcr..ad:i.on by.any gOVf';IIIIIIffl1rnl m xegulatmy BgcnCy m:privBte:pa:rty invn1ving the lTnperty .and.any BazarOOus Bl1h!ðAn~ m.Envirrmmf!l1tJll Law of which Borrower .has BCtual Jmow1edge, (b) 1iIIJ .Env:imnmenta1 Connirinn, indllcti~ bnt~t1imited 1o,.any ¡;pillin,f, lp.Jlkin£, nisr.h::n:gp." xe1ease nr1hreat ofxeæase of1lIlJ RJl7J1TdnusBnl1!ð:m~. .and (c).any .cnnmtion caused by !he presence, 11Se mxe1ease of B RJl7mrlousBnh!ð:mr.e whichlldverse1y 1Iffects!he -v.alue of the .Property. If.Barrower learns. m is :notified by 1iIIJ £overnmP.TJtJll m re£Dlatory .antbority, m lmY]JIÍVme :party, ':that .any removal m other xfm1p.diAt1nn of 1IIlJ R;¡'7.JITdo1JS Snb!ð:m~ ::rffeM1nE the .Property :is m'.r.P.!:I':II1J', Borrower Bhall jl1wuptly 1.alœ 1ill1'p.~1':1':1I1J' .Tp.mp.dia) ..acti.ons jn.accmdance with EnvirrmmP.11tJll Law. No1:l1in£ JJerein.shall z:reate.any ob1iØnn onI..enderfor lIIl.Env:.ironmenta f'lp.JIT1I1J'. NON-1JNIFORM COVENANTS. BmrowO" .andLender:further .covcnant.and.agrec.as.fallows: .22. Arrf"lpr.ation; llpmpilipl!" Lender.shall give 310tice to BOlTOwer 'prior to .a.cceler.ation following Borrower's breach of .mJ.y covenant or ,agreement in this Becurity 1nstnunent (but Dot prior to .accelerJltion under Bection18 Dnles.!L.Applirah1d.awprovides otherwise). TheDOtice Bhalhpeåfy: Ca) the JiefBUlt; (b) the .action required to cure the default; (c) A ili1te,.not Jess than 30 days:from the date the mrtice is given to .Borrower, by which the.default must be mred; and Cd) ihat:failure to cure the default on or before the date .BpprifiPII in the notice may result ID acceleration of the BIUDS BeCUred .by this Becurity 1nBtmmeu.t JU1d. .sale of the Property. The 310tice Bhall fm1her inform BOITOwer of the right to reinrtate .after JICCeleration and the right to briug A court action to .assert the DOIl-eXÌ8teD.ce of A default or.ml.Y other dpfpß$P of Borrower to .acceIerJltion JU1d..sale. ]f the default is not mred on or before the .date 'specified in the 31Otiœ, I.ender .at its IŒm:NO: ]22072856 WYIlDÚDJ: Mmtg~F.amily-:FJlJlDÏeMaelFœddieMac IJNIFORM1NSTRTIMENT -THE COMPUANCEBOlDlCE,lNc.- .PJlJ:e.12 .of14 www~6.n~'_~ IDlmuunulllDI MERSMwtified:Fœm30S1 01J01 .1<IJOlWY GIIIOO C2DIIO. ~ ßJmpIianccBoua:e,lIIc. '.', :'¡O,:..·j~i ,·;'¡:: ~:.!::i.:.';"::.i..:_3~1iX!.:.::it,,;'L~ . ..;:.2_:,£.:-,::,,:'. .' -::..~:;.:::.';¿,,¿;;;:,~:.:;,,;-,_, " ,'.·.;IH:·-:·;.;·:,;,.·,I '.'"I::~,:J!~V':;{.\~~,)::~.:::::. "i/',' : :~'.!; !..~:' ;i' '~'~.';~¡~' ~ ;O¡' ~'.{ ,.,¡, S?2s. ~J~.,,-= .,...¡! '--" C00651 Ð]Jtion :may retJuir-e irnm..diatf' pJiymeut in full of .all .mms .seœred by this Security .Instnunent without :further .denwul JW.d :may invoke 1he power of We .and.any other remedies pennitted by Äpp1iral1lf' LJaw. Lender 5haII be flriitl..d 10 J::ollect.aIl expenses incurred in pursuing the remedies provided in 1his Bection 22, inrlnding, but not limited to, reasonable momeys' fees ad J::osts of1itle mdenœ. H Lender invokes the power of we, Lender ~ give notice of.intent to foreclose io .Bon-ower .and to the person in possession of the Property, if .different, in JlCCOrdance with .Applicable Law. 1.ender.iball giv.e ~otke of the .sale 10 Borrower in the:manner provided in Bection 15. .Lender shall publish the notice of Bale, .and the Property ~ be .sold in the mann(>T prescribed by Applira111.. LJaw. Lender or its .designee may purdlase the Property JIt JUly.sale. The proceeds of the.sale.shall be .applied in the followhlg order: (a) to.aIl apenses of the Bale, inr111ding, but Dot Jimited io, reasonable affnrnrys' fees; (b) 10 .all BDInS .secured by j]ili¡ Beauity 1nstrument;.and (c) JUly a.cess 10 the penon or per.sODS legally flriitlf'd io it. 23. Release. Upon pay:ment Df 1ÙI 5lUDS BCCDred by ibis .8ecm:ity Tm:trnmffilt, Lender .Bball:release 1his .Becu:r:i:ty 1:nstnuncnt. ÐDIIDwcuha11pay 1lIlY reconlation.costs. Lcndcnnay .chargcBorrower .afeefDIIP.lf"$I!:Íl1g1bis .Becu:r:i:ty lDst:runu:n1:. bnt mùy:if the fee is -paid toa 1bird ]UJIty:for BeIVices :rendered Jmd :the cl1arging of the See :is J1P.TI11ittf"JI 1JI1der App1iC'$Inl.. Law. 24. W.aiverL Ðmrowcr~lf"';¡s~s.and waives liIl:tights:under.and by Y.ÍItue.of1he l1nm=t..ad:ext:mpti.on Jaws nfWynnring. BY .BIGNING ÐELDW,ÐDIIDweT .accepts lIIldJlgreeS 1D1he1mns ñu:tTIlTTlfmt .and:in.any 1lidm: 'eRr.ufPi1 by Borrower JmdIPr.nrr1ed-with.:it. . .8ecm:ity "Witne.sres: (Eea1) ~OII'Ower Printed Name: ¡please I;œ¡pJsIBJ (Seal) ~OII'Owcr Printed Name: !please I;ompIsteJ (Seal) ~wer (Seal) ~wer IAckrwwlsIJgment Dn r.DIIDwlnJJ PcSJJ8} IDan.No: ]22072856 Wyomin&Mort:~:F.amily-:FJIDJIie.MaeJFreddie Mac lJNIFOBM1NBTBII -'I'm: CoMPJ..IANCEBoDRCE,lNc.- :P~e.13 oU4 www.......PI;.n_~~...·11IIIIUIIIIIIIII .MERBl\InìlijiNl:F0rm3DS1 1Il1D1 :143DIWY JI8/IIU mooo;Th&CaoJ.pIioDœSoml:e.Jw:. ~l~m!i!!~¡!;mil;i;J Im::mr::m:::0; :,::!~*!;t~~;:~:~::; ~~~~Th1lli~ ;~'·'·':':'':'·'~'!~~~;:i';~':,:,~;, ,Lj:~:.-, ,:.:....'.J,.~;...'.;.~. . ,.:L . ..'.'.~.....,'¡,. " '. ;~~,".>!~ "'~''.:!L~:''-:...'_'_..:..;..;:;..,,,:,:, """,;:'~;'.!..~"'::,~s,;:,:,;,: ~:-:~';':...;" . ;'~. r-or,)..-:.c:- j;'--',,--"~Äø~J ("I1ì06~2 '-, U \..: U BtateDf Ne~ Cmm1JrDf r!!l.cvU( § § § Beforeme1he~nf=ignpil.anthori1y, mt this daypcrscmaIly.appearœ Wayne .E EA1IDY _ 1mnwn tn me {orJ]I1JVed toEt: 1hmugh.anidcntity ami Dr other doCIlDlellt) \oL.V '(0 rw 'I\IG f l..ofo ()'2,' ya-! L 1'~ to be 1he person~wlwse.DBIDe.is Bribscribed to the:foregoing m!:fmmP.l1t, .and.acknowledged to :me 1hatl1elBm:ftftey ~er.l1teil the .same:forthe:pmposes.and I:om:inP.1(lt1nn 1bcrein expressed. G:ivm mulermy lumd.and.scal on this /¿). ..:J---A- .day of ,f)e.L.¿ K1. ~ ~ . a. 0 oS ~~--=k.-(. L{ _ ~~~ 1!x¡Dœs: Ð'hY¡'- d 007 (Seal) MARIA M. NORTHERN . Notary Public, Stale of Nevada . Appointment No. 03-84587-1 MV Appt. Expires Sap 27, 2007 Iœn No: 322072856 WyØllÙl1.&~:F.amily..FJUIJÚe.Mael.FreddieM.ac l1NIF0RM1NBTRUMENT ~C'nM1>T:U1\lCEBoIm.CE,JNc.- ]>.a¡:e14.of14 www~m'pIÖ~~_....... _~ .MERS Mndifi..o1 Førm3051 Ð1Jß1 .1<IJOlWY JJJlØD œoon.~J::mupIianoc'-'.IDc. ,. '~'''';.:'~.':''''".".".. ...'.. .....',........:.'....., . ,.,.-00. c::: ",', 1',1 '_"~~.'\...!' ~.J~ ~.~J. ..-. ,.. r'\ >.)0653 EXHIBIT~A~ AlL TIIAT CERTAIN LAND .8ITUATED 1NTBE STATE OF WY, COUNTY OF LINCOLN, CITY OF TIIA YNE, DESCRJBED AS FOlJ..OW.8: LOT 121 OF STAR VA.I.LEY RANCH J>LAT 18, lJNCOLN COUNTY, WYOMING AS DE.8CRJBED ON TIIE OFFICIAL J>LAT TIIEREOF. APN:12-3418-05-2-04-035.00 ~AGE~ \'5 :hj1þ'*¡:;:;::::;:;~ II ~I.I~¡I'!"':~I~ :J ~I~~;~m~;¡;t~ m~~~i~~~~~~r~~~¡¡i 1"71;';I:I:.,r.";':J,'.'; .,' j7j~r..:.:.7.',·I'.· ~ '''',--,':':''':;;~l;::':':'_'; ,',':,;;';-""" ;'."""".':~. .".< ,.". !:.""":Þ25 \J" ,_ "Ä-<>. '__'-...J~-..:u - 200654 PLANNED UNIT DEVELOPMENT RIDER THISl'LANNEDUNITDEVELO.PMENTlUDERis.madeíhis J.2thliay of .December, 2005 , .and is incmpDnlted.into .and.shall be .deemed fD.amend .and .snppkmm11he Mortgage, Deed nfTrnstor .security Deed (the ~ecurity TT\!dTl1TT\fmtn) of the .same .date, given by1he DIlIiersigned (:the ~orrower") 10 secure Borrower'.sNotelo :IJJqyMa.c Bank, F.S.B., a £pr'lPTï=lll;y cbart€red.savings bank . (the ~1..mder") of the :5iIJ1re.dateJWd 1:OVf:I:ÍD.gíh.eJToperty 4escribedin :theBccmity Tm;tn1TTlP.J11 JWdlocated.at: TI8 1?CRIO:BD1ID, 'IEAYNE, WY B3l27 [Propsrty .ÅddrBSS] The Property -mr.m~p.s, 1mt is.not limited 10, .a pan:cl oflmdimproved with .a .dwt:lling, íngether with other :such par.cels .and certain r.nmmnn .areas .and f.aC11itip.!:, .as .described:in Declaration nf Covcwmts, 0.nnr1mnns, .and Restrictions (the ~f'.daT'lmnn"). The PIopertyis.apm of.a p1a11Tlf'li DDÌt .devclopmmtJrnown.as: star Valley Ba.nch [Nmm: of Pkmnsd Unit .Developt1lE1ú] (the ·'PlID"). The Property .also includes Borrower's interest in 1he .homeowners .association or eqllv.a1ent IIDtity owning or ""IITI~ 1he 1:0mm0n .areas .and -rnr.11mp.¡: of:the 1'1ID (the "Owners Association") .and the :nses, bendits.andproceeds ofBorrower'sinterest. POO COVENANTS. In AnnmOTl to íhe wvaumts .and .agrßffl1lP.nts.made:in íh.e Becurity 1Dstrmncnt, Borrower .andl..ender:further covenant.and.agree.as :follows: .Å. ]»00 Obligations. Borrower.shall ptrlimn .all of Borrower's onli£;;ninm; 1JJ1d.cr the POO's rnm;t1t11fmt Dnr.mnP.nt!:. The ~'0.nn!:1Ì111 ent Dor.mn f'J'Its" .are íh.e (i) Declaration; (.ii) lIrticles ofincmparation, 1mst .inst:rmnmt or .any ~Jiocmnent which crt:a:tes1he Owners Association;.and (ill) .any ny-laws or other:mlcs or If'£J1IAnnn!: nflhe Owners Association. J3orrower.shall JJIDDlPtlY]mY, when .due, .all dues .and llSSP.!:!:lTlf'!nt!: :imposed pmswmt101he Crn.I!:titnffllt Docmnen:ts. .D. ]»roperty .Insur.ance.. So long .as 1he Owners Association ml11ntl1im, -with Jl generally.accepted ;TI!mTIlTlr.e carrier, .a ¿J:naster" or 4:ù.anket" :po1icy-m!mTÎr\g 1he Property which is .satisfuctoryfD If:n.d.cr .and which -providesinsur.ance coverage:in the.amonnts (iTldn~i1l,g ~p.rlnctJñlelevds), faríheperiods..and.againstloss by:fire, I.oëm.No: J22072856 MWtlltatePID1Rider-BÍI\gle:Emñly - F.annieMaeŒì-edWeMiu: 1JNIFORM1NSTIUJMENT -THE C'nMPT:T "'1'{CEBoIIRCE,1Nc.-- ~.qeJ. of3 'WWW1!I'II1Q'1hn~ mnft MIN: ~0005540J.220728564 :J'onn3150 01/01 .1ßß1MU JlllDO.1lov.nlØ4 moo4,:!he !:ampJimccJlauø:e,Jac. JUUmIUßlDUl ,.'.,..,....,:.',.,...."..'c".'. .. '~~""--':" ":t"~,x: ~.-'-..',:,',..:..:, ',.'." ." ,. -- -.. ,',' ','~'.....'~'..,..',', " '_;¿:...~.,:.:.:....:'cG:...,.,',':;--','_:~'.~. "--,.'.' "'< t::".?T1òS \U' '-' ~~ u¡1J...' e::. 'L! ('\ .'1 r ,... - ""' '. U\:D~;) .hazarrls inr.1nilpj within 1he 1m:n ~'atended t:oVf:I'Jlge," .and .any .other .hazarrls, inr.1n~, 1nrt.:not Jimited 10, :earthquakes lUld :floods, fbr which Lender requiœs mJrnTIlTlr.p~ 1hen: (i) l.mdcr waives 1he:provision :in .section 3 :for 1he .PmodÎc .P~yment 10 l.endcr of1he yearly:premium :insta11mcnts fur :property.:insunmt:e on íhe Property;.and (ii) .Borrower'5 obligaíÎon 1ID.der .section 510 mllÌTltll"m JlIDPerty .:insunmt:e t:OVf:rage .on1he J'Ioperty is .deemed .satisfied 10 1he alent 1hat 1he :rf.CJ1IÏred coverage is JlI"ovided by1he Owners Association policy. WhatLtm.der :reqJrires .as 1l t:ondition of1:h.Î5 wBiver t:a11.change.during íhe term ofíheloan. BOrluwta Bha1l EÎVe l.mdcr:prompt.nntice of.any 1apsein Ieqn:i:œd :property 1nJrnT!JTIr.e t:OVf:rage:proVÏded by íhe.m.aster .or b1an1œt :policy. 1n 1he IWf:IlÍ of 1l .distribution of property immTA11r.ø;: :proœeds :in lieu, of Ip.stnr:rt1rm .or:repair :fullowing .a lO5s 10 íhe J'Ioperty, .orlo cnmmnn.areas.and f:¡r.ilitip.!õ: of1hePIJD, lIIlY:proceeds :pay.able1o .Bnrrower .are1œreby JISSÎ.glled .and.shall :be]UÜd 10 l.mdcr. l.cnder .sh.allllpply 1he :proct:eds to 1he mIllS .seemed by1he .security Jnstmm.ent, whether .or:not íhcn dne,with íhe fXCess, Hmy, paid 10 .Borrower. C. .Public Liahl1ity Insnranœ. Bnrrower.sha111a1œ mch .actions lIS may be :reasonable 10 .:insure 1hat 1he DWllers Association 7I1I1ÌT1tATrH: ~J1Ublic JiabilitymJrnTllTlce]>o1icy 1lCceptablein:form. srmmrntJ.and atent of 1:ova.age 10 l.endrI'. D. Cnnrlf'>'II1nflion. The]1I'Qceeds ofllIlY 1lW1ll1i.or claim fur .damages,.direct m œnsf'.q1reDtial, :payable 10 Borrower in t:ormf'rlirm with .any r.nnilP.ITTT1:rt1nn .or nthcr taking of .all Dr lIIlY:pm:t of íhe ..PIopcrty .or íhe r.nmmnn .areas JD1d:facili:ties ofíhe PIJD, m:for.B1lY t:UI1vcY.llllCeinJien of condmm:rt1rm, .areJu:reby A!õ:~1?lP.d.and .sha1l be paid 101m.dcr. .8uch :proceeds.sha1l be.app1ied by I.mdcr1o 1he sums seemed. byíhe.security J:nstrm:nmt ..as provided:in .section 11. .E. '.I...ender' Jì .Prior Consent. Borrower ¡:n All TI nt, :except.after notice to Lmder .and with.:l.mder5:prior va:i1:tm l:onsent, Ê1:hcr partitinn Dr Bribdivide 1he ..PIqper1y or r.rm!õ:P.nt 10: (i) 1he RhllTlñrmmP.nt .ortt'TlT1m At1nn Df :íhe J>IID, :except fbr AnA11ñrmTnP.nt Dr tt'TlT1m AtÏrm :required. by law:in the case oÍBllh¡:tanti A 1 .destnu:tinn by me Dr nthcr usualty or in 1he .case of ~ 1aking by t:nnr'lP.J1T11:rt1rm Dr :eminent .doniain; (ii) .any srmP.nñmP.11t 10 .any :provision of1he "'CnnJ:tÍtnwDocmnents" ifíhe:provisionis:for:íhe f:X}1æss benefit ofLendcr; Çiii) it'TlT1mAt1rm of:pro:ff>_<:~ìmAl.:man.age:o:œnt.and JiSSlUD:}>1Ìon.of .self~ .of1he OWllers Associaticn; or eiv) .B1ly.action which would J1ave 1he effect of:rPJ'lilP.l'Ÿn,g 1he Jßlb1ic liability mmrr:mr.e I:ovaage 7I1AÝntAmf'il by:the Dw.IlmS Association 1DlaCCqJt:ab1e10 Lender. Ji'. "Rf'>nlf>r1ip'!iI. 1f.Bnrrowcr does.:not]JaY P1ID .dues .and lISSessments vihm rlw; :fum l.t:ndcr:may pay :t1um. .AD.y JUIlO1JDts .disbursed. by I.endcr m1dcr ibis pATAgrapb J1 .mal] become aililmrmal .débt of .Borrower .seem~ byíhe.security1n~P.nt 11nlcssBnrrower.B11dLœdcr .agree 10 nther1crms ofpaJ!lDent,:tlœse.amonnts .5ha1I bear:IDtcrtst::ftmn 1he .date of msbursemen:t :at íhe Note IBte.and.shall be :payable, -with:Ïntcræ:, upon:notit:e ::ftmn l.mder1o.Borrower:r~paymcnt. fSlgrratlJrBs Dn rDllDwÍtJO Pi:JgeJ Inan N:): :122072856 Mn1Hohat.. FDD1lliIer-BiDBlcBmily-:Fmmield...m....tdiooMac1JND!'ORMINS:J: -:TBK rnM1lu.4.lIlCKBoDRCE,:INc.- :P~e:2 Ðf3 WWU'~~-nra :Fœm3150 .01101 ~ JIUJOJ!ev..111t4 C2OO4, ~CumpIi¡moc -'JM. IDBDIIUIIUUlI ;:;:;:;:;:¡:~¡W~i:;~, ~:;3;i;~illim~r !:i;i:~'f:m:~:::~::¡ ì¡::~.:.~:~t~::::}:::, Mjt'¡gi!~I~Wf~ .' ·;I:ö.I;:;~.7a~' :i:";~,- .~,; I;;. ",'...!.i..L;;.~o.:'~,':.;cL.:.....1:.:: '-' :':;"'~'-:.:.:,~~,.;¡-~~,~ ,...:~'_'.'-5:.,!¡;.2.',' '1"'; 'i~.·.~.·.::II''':.~.' ,', . :,:~'c$'::.'<""'c"""'~"';"'~iOi~~;~;'.!.":':':"::.:::';;':" . ; "'. '~~ ."',õ '';:':';r;!; ':';.' ,¡ , ,. .-. ~";,.:,':.', ,';~~~"'::~'.: ;:.:. r::-o;¡,~C ,·...¿·"-J'~U~~V r· !"\ ("\6::: 6 '", 'J \.J ~ :Rider . :BY IDGNING ÐELOW, :Borrow~ .BCCepts JU1d.agrœs 10 1he terms..and I:ovmants œn:taID.edin:this]lIID (Seal) .::Banower (Seal) .::8= (Seal) .::BotrDwer .. . ¡Sign Original Dnly] .1l:en.No: J22072B56 Mul_t.. "PIID:B1der-Bing1e FlIIDÙY -FJUJDieMa.rÆra1dieMae 1JNIF0RM1NSTRIJMENT -:roE C'nMPT.Ul\1CE.BoDRc:E,lNc.- ]>Jlgtl3 uf3 www:-p....,~--m .PÐnIl3150 01101 .145111J\1IJ IIIIIIUI Rcv.llJII4 C2II04,:!he CampJiow:<: Bauaz,Juc. IUUIIJIUIIDR