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Home My WebLink About920335 rr"· , .""';':'¡'~~I:o;Q:':';"I.'.o..:'~'L~¿..'}.:!.'';'',I~¡'$j'~·.6.:.~'~-¡J")~ ~:";' ....,. ""; ';1'"1'1 ~'~·_-~:''';_;;~';~¡L:· " >;':';';._'," ',':(-;'¡.;.;I;Q';!4!&i¡I£t.4fi!¡ I- '-~," :¡:':-',~'!;.:":iì,~I}\lt;ifi'~\.(~...m1f,.;t<''-:'~'I''''-:I~:¡!i:::r¡--,'''':':':'' :.:~ ~ :~',!;_.t,1';,~:t'I~¡Ó~j~Ó=;:;~'·· ":' ¡:,:'~;..~,~""" ',;~":.~.."~.~!I~~:' 3 00C605 Rerum To: Leif E. Nelson P.O. Box 9235 Jackson,VVY 83002 Prepared By: Leif E.Nelson P.O. Box 9235 Jackson,VVY 83002 _....--,.....--~ ISp:)('~ AOOH' Th\$tintFor Rt<'orœnt Dara] .-____~_:..___. ------ MORTGAGE o EFINJlIONS RECEIVED 7/18/2006 at 12:27 PM RECEIVING # 920335 BOOK: 626 PAGE: 605 JEANNE WAGNER ._.___L!~~_~~~ ~?~_~~ CLERK, KEMMERER, WY \Vords us(,'11 in multi¡)lc sl.'Clìol1£ of Ihis documenl àre defined bclo\v and olher ;';'Iords are defined in $t:çlions 3. I. 13. /8. 20 aud 11. Certain rule$ tegárdingtheusage of words üs,-din Ihis.düclImc;n1 atc ¡¡b¡n provided io Secrion 6. (A) "SccurH.yfnslrum('nt" means Ihi:;docUrrìèl)t, which is dated JIJly14,2006 IOgelher with aU Riders to Ihisd()(;lunt~nl. cB) "gol"rúwcr" is Kelly L. Currier, å 8rogle WOman Borrower is the mortgagor under thisSt'Curity Instrument. (C) iILcndt~r" is Leif E. Nelson Lendêr is an fodlvldoá/ re$ldent of the SuttOf Wyoming ¡lillI/ifill/fir/II JJ//r/rJ/JI./iJ/ J WYOMING;Single ~am"y-F¡¡nníe Mae/Freddie Mac UNIFORMINSn~UMENr cQ ·6IWYJ j')OX>~1 ~ I to ".<:J. ~'" 1$ MWOf.MOI "."..,,~~,_ FOfm 3051 1101 o"ir,""PMOk'füA('ì£ J':ÖR'MS !HOnl~21 ,¡',!II fIImn~lIImlrll~~m~~ :m~~m~m~ilf ¡'n~~. ~¡,'.';I";'t;:r2·;';¡i ~~~*:f:;~~~: ··~'f··"~·""·"":::·'" ";'-:'''''''''''.'''';>''-' ..,- . "'_"--"''''~'"1IU:3IIB~~''''''Y'~''-''',' ··'-·_'....-..c..""~--..,;:,·..-:!'i...·. .,-. ··:"¡""-"'·'lI"',·-Ç\"·'/~·.~"''''''II~~~''.''·4:'', . ,."'.'~'.'- ·"-.J5·'.· ·'--:'~"--"'~'=___,\"'I!:<."""'<I!""';¡":~!~;"¡'.¡;~':"'~"';>"'li9f'·"·:·J ""-':':'r.,;;o~"';V~'-'''.!:~~i!.''~:'.''·''''''.': ";",.,.";,""~'~"'.!.~õ.!';,...,,::, 000606 0920~]35 Lender's address is P.O. Box 9235, Jackson, WY 83002 Lender is themortgageeundeClhis SecuI'Ìty Instrument. (D) ··Note" tJ1C~ the pronûssory note signed by Borrower and dated July 14, 2006 TIle Note st3.testhat Borrower ow!:S Lender -----Fifty..slx Thousand Three Hundred Thirty and "0/100-.-;--- Uòllars (U.S. $ 66,330.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and 10 pay Ihe debt in full not later than August 1,2011 (E) "Property" means the property that is described below under the beadÌl~g "Transfer of Ri~hfS in the Property. " (I<) "Loan" mCaI1S the debt evidenced by the Note. plus iilterest. any prepayinent chargeSaIld late charges due under the Note. nnd all sums due under this Securitý Instr\unenl, plus interest. (G) "mders" meaI1S all Riders to this Security Insthtment that are CXCCUIt."<Ì by Borrower. TIle following Riders ¡Ire to be eX'ct:utcd by Borrower [chc.:.-ck box a.~ applicable}: o Adjust4lb/é Rate Rider D Balloon Rider D VA Rider D COl1domiiliumRider . 0 Second Home Rider o Planned Unit DevelopmcntRider ·'8 1-4 FamíIy Rider D Uiwl.'ékly Payment RiderOther(s) [s¡x:ciryj (II) "Applicable Law" n)(:$5 all êÒnrrolling åpplicaþletëderal, ,state nndloca1 statutes. rcgÙlntioos. ordinanc~s ¡tnd administrative mles and orders (I bat have the ef(¢ct of law) as wdlas all applicable final, non-appealable judicial opiüions. (I) ,iCom.nu1nÎ(y Ássòèiåtion DulS.¡....e(>$. ànd AssessménlS" ¡Ü¢a.tts andllcs. fees. assessments and other charges that are imposed on Bôrrower or the Property by a (:Mctominium association. homeowners association orsinúlar orgaIlization. (1) "ßi£>ctronic J<'und... Transferll JrtèånSany transfer of funds, other than a transaction originated by chL'ek. draft. or sinùlarpaper instrument. vihich is initiated through an electronic ternúnal. telephonic instrument. computer. ornlagnetíc tape so as to order. iÜstruct. or authorize atillancia] in~litu(ion to debit or credit an accounL Such teon includ~. but is nCit lirniled ro. poillt-ot"-saletransfers, autom¡¡te<! teller maehine transactions, transfers initialed by telephone, wiretransférs. aIldautomated clearinghouse transfers. (K) "Escrow Items" means th()$C hems Ihat arc described in Section 3, (I.) "Miscellaneous Pr9Cêeds" means any con\pelisation, selllement. aWârd Qf darnågcs, or proceeds paid by any third party (other than insUrance proceeds paid under I1tècoverages described in Ätion 5) for: (i) damage to, or destruction of. the Property; (ii) condemnation or other taking of all or an}' parI of the Propeny: (iii) conveyance in lieu o(condenUla,riOI\;or (iv) Úùsret)l'esemarions of. or omissions as tn, the value and/or condition of the Property. (M) ';\'fortgagcInslIrancc" means insurance protecting Lender against the nonpayment of, or default on. the Loan. f1\) liI)eriodic I)ayment" IT\èaris the regularly scheduled anlOunl due for (i) principal and intêrèSl under the Note. plos (ii) any amounts under Section 3 of this S<:curity Instrument. (0) "RESI)A" means the Real Estate Settlement Procedures ..xCI (12 U.S;C. Section 260] ct seq.) and its implementing regulation, Regulation X (24 C.Þ.R.Part 3500), as th~y mÎghl be.an1endcdfrom lirjle to time, or aIlY additi(!'lial or Suc(,)èssor legislation or regolation thalgovems the s:urìc$ubjcct mailer. As úsed in this Sc..'CurÎty fnstrument. .. RESPA" refers mall requirements aIidrestrictions that are Ììl1posed III regard to a "tëderally related monga,ge lOan" èvenif the Loan does Mlqualify as a "fè&nlily rel:'tted rnongáge loan" under RESPA. Q~6(WV)tCOO5í ÍÌ} "",..," ~ ....)<10'20'15 Form 3051 1'01 ,'.I:·;·t·;fõ'õI;·;··,;," ".'.~'.. .',;. .:'".'¡::!ê'~'"-;':'.." . " ,. ··..·.T.'i!L"':.:.:.~,·.: "'··"'~¡.;:/;"->,'" ''>: '<YI"':'-'\I'L,·;.t,,!,',,j-·'·:;'·.'."" :'" . ".,:,\,',:":¡:"",;,,,.,...!"·t!'"1.'ti:,·,-;-,·)'w'.-'..,";';;i".¡.,',........~'..,": 0920335 GOr607 (P) "Successor in Interest of BorrQwerl1 meâllsany party th:¡lhas talæntitle to the Property. whether or not ¡hal party has assumed Borrower's obligations under the Note and/or thìsSecurìtylr'iStrurrtcnt. TRANSFER OF RIGHTS IN THE PROPERTY 111is Securìty Instrument secures to Lender: (i) the repaymcn! of the Loan. and a1JrenewaJs. extcnsions and modifications of thc Note; and (ii) theperföntlance of Borrower's covenants am:J...;agrcèn1ênts under this Seçurìt)' Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and COnvey to Lender andUJldcr's successors and assigns, with power of sàle, the following clcscrilx.>dpropcrt)' located in the County of Lincoln ('Type or Rt'l:ording JurisdklionJ (N:um: of R<:Çordíng JurisdiclÌCtnl Lot 102 of Nordic Ranches Subdivision No.7, Lincoln County, Wyoming, according to that plat filed May 8, 1996. Instrument No. 819461, Plat No; 311E Parcel JD Number: 3619-26-2-00-199-00 which currently h;ìS the ilddress of 1163 Saddle DrIve, County Rd. 414 (Str\!ell Etna ICity) . Wyoming 83118 (Zip Cooc:] (UProperty AddrèSs"): TOGETHER WITH a1l the improvefnents now or hettnfter erected on the property. and all easements, appurtenances, and fi:<lurl'S now or hereafter a part of the property. All replacements and additions shaJlalso be covered by this Security Instrument. All of the foregoing is referred to in Ibis Security Insll'Ument 3$ the "PrOperty," BORROWER COVENANTS that Borrower is lawfully seised of the esiatc hereby conveyèdartdhas Ihe righ! to mOflgagc, grant and convey the Property and that the Propêl1y is unencumbered, except for encumbrances of record. Borrower warrants atld will defend genera1Jy the title to the Property ¡lgainslall daims and demands. subject 10 any encumbrances ofn.-cord. THIS SECURITY INSTRUMENT combines uniform covenants for national use 3Jld non-unifoon covenants with limited variations by jutisdiction loconstÍfutc a uniform seeurity instrument coveting real property. UNIFORM COVENANTS, 'Borrower and Lender covenant and agree as follows: t . Payment of Principal. Interest, Escrow' Itèn1$, PrepnYJ'licnt Chär~~, and l.ute Charges. Borrower shall pay when !1uc ¡he principal of. and inter~sl OIl, the debt evidenced by the Note 3Jld any prepayment charges and late charges due under (hc Nóte. BorrowershallaJsÓpay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrumênt sballbe made in 0.5. currency, However. if any check or other instrument received by under as p'ayment under the Note or this k"tl~t ~.; r, cG,61WYIIOo051 hgd of 15 ~ Form 3051 1/01 Q) f;:::::::r:~:~:::::::~ @¡:;:;¿~~~:~ ¡FT:š1}:t~:$~¡t~!~ ::~:;:~;t;f~~:1~ :¡:::~~~:W:I ::::::tf!:1:i:::1::B;:' !11&~1h~1mr~lI~ ··I'·~¡·.\;·;·.·.·.Y'!oI!.·J·~o!'¡:¡~'-::~-'!:';'¡'~',f';':':I,;,"i;:.f.r,,~¡'j.1t;¡:;':'¡';;~::"'~i)-;:,'; .,;:,.-'.¡'_,~-...I';,;;;.,¡;:n~t, ,-. .,-., ';'~I'." -¡!I''J".'.~~.~,.~~!.~.,."¡~,, '" ':~' {,-~ ';.:f',j~"'jI.t5WJ¡: ~.""~",'fi;',~::.:r,~~ ~~:o!! :1"li<~:';:¡ i{c.; ;::: .-' .~~,~ 1!1;.;.s.:J;:"''- ..~..t...~.,.., ~.. ;". '.' ^, :': .: ,r,. .~.~.~~;.:.:. 7>:- . 0920335 (' (\ C 6 r~ 8 \J U . Security Insttllntel11 is returned to Lcnderunpaid, Lender may require that tiu)'orall subsequent payri1¢ms due \¡nder the Nöœ and this Security Instrument be madl.':inebe ormo[¢Qfrhe fel1ö\\'ingfomls, as selected by Lei1der: (a) cash; (b) mone)' order: (c}ceriifif:(ichetk" barßt check, tre;aSurèt's ehetk ör cashier's cheCk,provided ~ysuchçhcckisdrawn uþón iån iristitulÌ()nwhos~ depOsits 41rc insured by a federal agèncy. iilstrument<Ù it}' , ,or' entity; or (d) gtc¢(ronic Fq!}~s Transfèr. Payments are deemed reçcived hy Lend~r whenJecei~ç(t at the. tQc,qtiondesignate(i in the Note or at such other toeatión a.c¡ ma,' bedesigIl4tedbyLend~r iß~cçQrd;mce witKth~notìcepr9\'isiQJsin Se9tion 15. Lender may reulm any pa~ment òr partial payment lIthe pa)'JrientQrpartiâ.!paY01enls ',arc.iusuWc#ntto bring the loan current. Lender ma~¡ acceprany payn1entÖrparriålpa)'n1entin:sut'ticîeIicto bring the Loan current. witheut waiver ()faßyrig.hL~ hereunder 0'1' prejudlce to US rights to refusesHch payment Or panim payment!; in the fucure ,but Lender is not obli~ated tò appfysúch páymen.tsat the, time such payments are accepœd. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest onunappHed funds. Lender may held such unapplied fu1\ds umil BotTÓ\\lër, makes pâymenr tobdng the Loan current. If Borrower dt)~s not 40 sO' witllh\a rea.c¡onable period ef time, Lender shall either apply such funds or retum them to Borrower. If not applied tarlîer, ~uçh funds will bt: ;ipplied to [fIe outstanding ~rínêipal balance under tbe Nöt¢ imßl¢diacely pri6rto fereclQsure. No of (set or claIm which Borrower might have now or in the future against Lendcr sl14Jl relieve Botrower from rn;ù(ing payments dUe under the Note ànd lhis St"Cudty Instruinem or perfóonil1gthe r,:evt:nant$ and agteenlencs secured by this Security Instl1lmem, 2. AppH~tion or Payments or Proceeds. EXCept as otberwise deScribeCi in Ihis Section 2, all paymen\$ àccepce<l ànd appUed by Lender shall be applì~ hi the (oHbwìùg order of priority: (a) il1t:erest due under the Note; (b) principal Quct,lndCr [he Note; (C) at110iU1ts duct,lnd¢r Šœtion 3. SUch paynlcms shaJlbe applied to each, PedodicPaymentin the.or4érinwliiql, it beca¡ncdµe., An)' rcmaihingami>LJI1ts shállbcapplictJ tir$L lola[echarges. ~ol)d co allY ether atil0urits due Ùn~¢rihis Secarit}' Inslmment, and then to reducetheprincipa1balanc.eoftoe Non:; If Lender receives a pa>'111ent fromBörrow~rfor a d¢liriqtlcnt Periodic,PaYti1entwhich inêludcs â suftkient [utloum to I)ay âUY late charge due, ' thepaymentnl~r be appIí(:dte the deHnquet1t payo.'1f:nt and t11e [ate charge, If more than one PeriodicPâyment isoùt$taì1dÏlîg, LendÚliiay apply any payment received from Borrower to the repayment of the-Periodic Påymentsif.a.nð lO £hcextenUhat, each payment can b~ paid, in fulL "0 the extent LhataJ)}' exctssexjsts. after the pa}'menf 15 apptìed 10 the full payment of one 01' m()rc Periodic Payments, such excess mllY be appHe-d to any late charge,s due, VolunlárYrrcpaym~mls sh.all be applied first 10 any pr¿payt11ent charge£and then as describçdin the Not~. AnyappHcatíÖtl of payments, insutàJ\cept'Oceeds, or Nfiscellaneous Proceeds mpríncipal due under the Note sh..UnotextendOt poslponethe dµedåtè, orcb-âJ1ge Iheamotl1lt, öf the, Periodic P:¡ymcnts. 3. Funds for E~row Items. Borrower shallpay to Lender on Lhe day Periodic Paymç1lts are due under the Note. until lheNotC is 1aid in rUIl, a sLlln(the "Funds") to provide for payment ()famóun~s due for: (a) taxes and as~sments and ether items which canatt~in priority over this Security Instrument asa lien or enCUmbl'aJ.lce on the Property; (b) lea$ehútd payments or ground rents on the Pròperly, if any; (C.) prcrnilfrns for any ahd all insurance required by Lender under Section 5; and (d) Mçmgage Insurance prenùums. if any. or aJ.1Y sums payable by Borrower to Lender in lieu of Lhe paYffit..'t1t of Mortgage Insurance premiums in accordance with the prQvisions of Section 10, these items are called "Escrow Items." At origination or at any time during the tenn ef the' Loan, Lender may require that Community Association Dues. Fèè$, and Asscssments,if any, be escrc)\Í;,ed by Borrower, md such dues, feel¡ and assessments shall be an Escrow (tem, Borrower shall promptly lumishto Lender allllOtices of amounls to be pa.id under thisS'ectiO!l, Borro\vet. shall pay tender the Funds for Escrow, Hêms unlè$$ LêndcrWåives BprrOwer'sobiigation to pay the Funds fot any Or allE.:scrow Items. tender tna}'waivc Borrower's obfigariontbp3.}' to. LenderÞund$. for aqyor all, Escr6whenl$at anytime. Any such wá¡wr may onlyha in writing. III the, event of such wah'er, Bo¡:rowerslial.l paydlrèëtly. \~'helÍal1dwhere payable, the amou1US l(iliiA:~ o ~6rWYI COO~I II> P~9t ;,¡ of 1 6 Form 3051 1/01 .; ¡"~"·;'if,·.·.'¡·.·, ,;..,., ';!,:', '! ,~~\~r. ~1 ~", ....¡'.. .,.~;.',~ '~1"...'!:.t.:~,::.;'~~_';:' :': ~ :~, :'J~' . " ,; ;"-, -'c' .:'._~ 1';14,i': I;i~,' ,'j " "..··.;"·:'rl';.'·/. ';I.·...i....-"¡...;I.·.·ó·.·;,¡~.- :, ~ ·:,1·{-;:,UI~ì,,,'""fi'-it,..;~Õfl~'.-:1~:!,¡.-'!.';¡tUi1l.·_:~¡,ii..'r ::_. .,i·,t· .: ..f"._:: :i.". .,. . ¡; . ¡. ¡i:iII:·"]".;. :i;. :'1 ':'" :'j;,; .: ;,',;tV ;';', ~;'; "; ".:,~,;.~.:. )-:"i': . 09Z03~j5 00(609 due for ¡my Escrow Items for which payment of Funds hasbt.>eDwaived by under and, if Lcnder requires. shall fumish to Lender fCCèipt$ cvidéricing such payment within such lime pèriodas Lender mayre-quire. Borrower's obligation to make such pa)'lMnts and 10 prOvide receipts shall for all pUrposes be dçemed 10 be a covenant and agreement contained in lhis Security Jnstrumel1t,as tbe phrase ·'covenahtaJ.ld a.greemèot" is used in St.>ction 9. If Borrower is obligáte-d to pay EscrQ\vItenis directly, pursuant [0 a wiliver, and BQrrower fails 10 pay the ;µíIÖUf1t due (or àllEsCTOwItem, Leo.dðtrnay exerëiS¢its riglHsunder SectÎpn9 and pay such ainOunt and Borrower shalJthen be obUg.fit~çlun(ferSectjon 9(0 repay to l.cnd~r any such amount. Lender may revoke the waiveI' as to å"yor an.E~crow Jtet~lS, at any time by a notice given In accordance withSéetion 15 and. up<:>n s\Jchr~vo()adon,B()rt()wer Sha:flpay to Lender an Funds. and in such anlounts, that æ-e then requirelJundêT this$eclion3. Lender may. ,at any time, collect and hold FundsJn an ároount(a)suJficleJlt.to permit Lender to apply the Funds at thelÌme speeified underRESPA.and(þ)nottqI;XCc:edthema~ilT1umamoum alt.>]1der can require under RESPA. Lender shaH estin1a.tethe anl()um ofPundsdUe an the bª~is of ¢urrent d~1aand reasonahle èstimates of expenditures of future Escrow Items or olherwise in accordance with Applicable Law. , The Funds shan be. held in ani"stitutiðn\\'hos.e depo$!tsare insur¢d by a fed~taI ¡¡geney, ¡nstrumentaUty, or entity (including Lender, ,ífl,.enderis aninslih-\iiQn wbo~edepositsare so insured)QI' in anyFederaIHt)m~Loan Bank. Lender shaH apply the Funds'to pay the EsCrow Uemsnolalerûlantoe time specified under RESPA. Lender $haJl nOlchàr~e Borrower fQrho1,ding and applying the FÙnd,s, annually analyzing lhe . escrow accoul)t, or verifying the Escrow Items: u.olessLender pays 80rrowerinteresl 00, the Funds and Applicable Law permits Lendér to make such a charge. Vnle-5S an ~sreem~nt iS~c:Je in writing or ApplicabJeLawrequires' interest to be paid on the Funds, Lender shall'not 1:Jerequired to pay Dorrower an)' interest orearning$ on the Funds, Borrower an4Lender C<U1agree ill writing, however, th,uinterest shalt be paid on the Funds. Lender shan give to Borr6wer, wilhóU! Chàrge. anannu;u accounting of the Funds as required by RESPA. "'" ' " " " " ,,', " ", ", , ' ,,' If tJrereis a surplus of F\mds held ,in eSërOw,ils definedunderRESP A, Lender shall account to Borrower for the eXcess funds in acCordancè\vhh RESPA.Ihhcreisa shortage of Funds held in escrow, ¡t~ defined under RESPA, LèndershallnôtifyTJqrroweras required byR ESPA. and Borrowersl1all pay to Lender the ainount necessary to nake up the slí()rii1~ein .~ccòrd~c¢ with RESPA, but in no more than 12 momMy payments. If there is a d~ficiêncJ'of Funds h¢ldln ešcrOW, nsdetinedllnåerRESPA, Lender shall ß()lit)' Borrower asrcquireð by RESPA. ¡!Jld BorrowershillLpayta l..enderl1\eam{)Unt necessary to Inake up the defick'tlcy in aceordancewÍlbRESPA,blnjlÌnolnorethan12m6nthI)'þaYm~nts,. Upon payment in fonof all sums secuted ÓythisSecÜdty Ihstrument, tender shaH promptly refund 10 Ðorrower anyf't.tnds hdd by Lender. 4. Charges; lJens. Borrower shall pay" all ttIXes,(¡ssess,mtrtts, ,~h¡¡~gesò fil1es,nn~iml'ositìons attributable to Ihe Propenywhich canattai}priqritYOVerlhi~SecurilY IOßtrumePI.lèasehoIdpaYU1Cnts. or ground rents on the Property. if any, and Communit)' AssocIationQues,Fees,and AssessItitnts.if any. To the extê:nt that these items are E$cl'Owltems. BorrowershaUpa¥t?~m in the manncrpl"Ovided in Section 3, Borrower shall promptly discharge âr¡y lien wbich. has priority over this SecUrity hl!¡irument unl~ss Borro\~'()r: (a) agrees in writing to the paymeJ1t of the obligation secureci by the lien in a manner acceptable to Lender, but onlY so long asBorrO\vet is perfl)mûngsu<:h agreem¢nt; (b) éontests the lien in good faith by, or defends against erl10rcement of the lien in. legal proceedings which. in Lender's opiniotloperate 10 pre....entthe enforcêmènt of (he lien while thoseproceedinss are p~nding, but only until such proceedings are concluded; or (c) secures from tbe boJder of thelicn an âgr~metH satist'ac(ory toLe-Mer s1.,Ibordlnatlng the lien to this Security Instrument. l(Lender determÎ/les that anypan of me Pro pert)' is subject to Ii lien whiCh enn attain priority OWl' thís Security Jnstrumt.'TIt. Lender may give Borrower a notice identifying the G>..6tWVJ ¡OOO&I ;þ 1>&¡,Hóf t6 "'".,,~ Form 3051 1/01 ¡~]m~iliW ~ "~_ :"'·'~c.~.:.~I~." ,,"" . ., ·.·,·,·....~.~4·.·.·.· ,..... . .";'-"'_',';1<:,'... '~~. ,;:; . .:"", -"~Ua-.J"'¡:;I¡"'-I, ,..,~.' .. ~,,-,-~_,_ " .' I;~";.:.!.·,·¡-.~,,,,",:,,; '-__\-", "., -'il.:,,>!.!:.' ¡~::.t:'".'_:r.i·1';I':~i:.·,.:.:_ .. ",'" -' . :l'>~O'ßO'~ ") ...j..JI"'~'" ~~h..i5 00(610 lien. Within lOda}rs of thedat¢ on which that rt(Hic~ is gh·en.J3ø!'fower shallsa(jsfy theUen or take one or more of the ac;tíons set forth above in this Seclion4. Lender may require Botro\\ier to pay a. öncHinte éhatge for a real estate tax verificatiúl1 and/or report.ing serviée used by ~nderincol1neCtiol\wilh this Loan. S. PrOpêrt~'(rï$JJrart(:e. BOITowêr shan keep the improvements now existing Or hereafter er~ted on the Property insured against loss by fire, hazards included withÙl the tenÚ "exceoded coverage. if and any other ha1árds including, but not limited to. earthqµakes and floods, for which Lender requites insurance. ll1is insurance shall be mahuained in the ¡).It)Ounts (inCluding deductible levels) and for the per10d8thát Lènder requires. What Lender reqoìre5pursuant to the preceding 5elitcncescan change during the terl1löf the Loan, The h'tsurance carrier providing the insurance shaUbe chosen by Borrôwer $Ubjèct tc)LénderO$ right to disapprove &>rrower's choice, whìchright, shall l1c)t beexercisedµnre~sonably. Lender llìay require Do1'rower to (Jay, in conneçtion with thisLoá11, chhcr:(a) a oP,e·tiInecharge fQrOoodZQl1c detemlinatiQn, certification and trackìngsêr\'ices; or (b) a ane--time charge for flood zone determlnatiPIl and certit1quion seJ'1/îce$and s\Jbsequcn{chargC$ é:¡ch timer¢nl¡¡ppings or similárchånges occur which reasonablymigluaf1J:'(;ts\Cch determìnationQrcertificatioll',~örr0,\\'ershanalso be responsible for the payment of an)' fees impos&i by lhe~eder~EltkrgenqYiMatili~emcntAgencyinconntedon with the review of any flood ;ZOiledetèri11ìlla(íonresultirig fronuUl ogJèc(ionby BOITo\ver, ff BOrrower failslomaÍJ1tâín ån)'of die covêragcs d~$cdh$1ahov{:. te¡tqcrtn~y obtâin insurárice coverage, at Lender's option and Borrower's expense, Lender is undern()obli~~tion topurchaseauy : pardcul:tr rype or amount of coverage, Therefore, such co\'er~ge~ha!1 covcrLeÙder,bul1l1Îg!ltP( m~ghr Ilotprol¢ct Borrower. Borrower'seqUÎiyÎIl~1e }>r9péft}'. pI' tJi<:cºntl,:nJsøfthcPrqpèrty,¡¡~ainst' an)'dsk, hazard or, lìability and mighrprüvide, gre;uer orlessercQ\lefâ~~·,thánw<\spreviousJyil.1 eff~~t. . Borrb\\-'er acknowledges that the cOst of tbeirisur<ù1ce c()\'era~esoòbtaihe~l~night Si~Jllnc~}[l}rêXcted(héCO$tt}f ItlSUl'anCe that ßcitrowercould haveohèaifi¢d. Ariy¡ÙnÖuntsdísbursedby Leoderµhderthis Section 5 shall b'ct{>n"le additional debt ofBoti'o\\"'êrsccut-ed by this. Security InstI1Jl1)ent. These amquntsshaIl bear interest at the Note rate from thedàté ôf dísbürsemênt audshall bc payá1:ife, with such interest. upon notice' from Lender tc:> Bt)rrowër reqµ¢~tíngpaYlTlellt. , All insurance poltd'(,-'s reqtiìred by Lender and rene\\'a!s of slIch policies shall be subject to Lender's right to disapprove such policíes,shallihdudea st3lídardtí1orrgage clause, andshallnAmé L.ender as mortgagee and/or as an additional loss payee. lender shaUhave the right to hold the policies and renewal cerHtlcatcs, If Lender re.quiì'es,Borro\~rershall promptly give to LenderaJlr«c¡ptsatpajdpremiums and renewal notices, If ßOHoWer qbfains an)' fCflll MÎÜ5urai\ccéúvcragê, noto{}1.eC\i,'ise rè<}uired by~nder. for damage to, or deStl1JCIÎon of. the Propcrty ,such policy sh~!linc1udeastandard mortgage cl;i).ls~and shall name Lellderas l1lortgageeand/orns ,~addiriQnarfosspayce. ' In the event ()f loss. BOITowershaJlgiveprompt 1()tiêe to iheitlsutan.ce carrier andLender,Lender may ri\akt, proof of loss if not made promptly by Borrower. Unless Letlder a.ndBorrowerothenvise ag,rCê in writing, any inSUr:îtiCè, proc~eds,whether 0[' nottheunderlYìn~ il}$ur.mcc Was rcguir¢d by Lender, shall be appHed t,() rc¡¡toratíonorrepairofiliePrQperty. if the restorai1onor n:pair, ís~onomicallyfeasible<and Lender's security is not lesscnc{!. Duríngsuch repalrandr'estor~'iòn petiod;Lender shall nave therighl to hold sllch insurance proc¢eds until Len:cfer has htid an <>pportutiity to inspect suchPropert,y to ensure the work has bt-en completed to Lender's satisfactiQn, proVided Ihat sllch Îl1sþectîon shall be ûndtrtâken promptly. Under may dishurse proceeds far the repairs and restoration in asin,1lepa}rnlentorinaseries of progress payments as the work is completed. Unless attagreementÎ$n1ádeil1wrttif)gorAr~líc~oleLaw requires interest to be ¡¡aid ònsuchinsural1ce pr<x:ee.ds.Lcndèr~han notÞ~r¢qµiredtogay BQIToV,'erany interest orcilmingšonsuch proceeds, Fees forpubHÖa4JIl$tets. .or 0tAert1íîrdpartìè$; retaínedbY Börro\ver shan not, be' pàid Ò,Ul offhe iilsurance, proceèdsand<shaH be thesoleobUgntion of Borrower. U the restoratiollor ropairisnot ecoìlomìcåll,ylèa¡¡ible or Lehder'ssccu1'Ìty would be lessened,d1e insurancè proceeds shall be applied to the $ù'ms secured by this Security Instrument, v.'l1.êther or not then due. with ~"G(WYIIOOOS) ~ PIi¡'é6 or 16 1"'[¡¡'li~ Foun 3051 1/01 .... ."~'r:'¡:J-:_~:.::;·~:..·.:.'t;~:!·.::1:"";"'~_-¡r,-.:~.:..:¡,;,~."¿:O;¡:¡''''",'...:,"_"""'I'.-"'~""'~i-";'.";'1:J,,",~":.,"'" ·.:;·.·.-t~.~....nw·.o':i~.:I:,. .f.., . . ,,,·,,·..tr:~~.~~,..~.to~;..:·.,.~,.,,,,,,,,,,,~.,._..... '~{~¡...~~.:'. ,"'" __··..·,0":'>.:,·" ,~;-:.~t;,¡;.,e;¡¡.,f..¡·..t""'...·:::. ""!'.:,~ .r..·;· "'~'..O;:'~"",~ . 0090").....' t:' ~:Jlld ~..hj,,:þ corSt! tbe excess, if any, paid to aotrower. Such inSurance ptoceedsstla11 be applied in the order provided for in SeclÏon 2. If Borrowerab¡¡ndons the , Property, Lender may file. pe~otìateandsett(eari)', ~vaHable, iqstJråncè claim and relat~ matters. If Borrower dœs nOlrC$pondwitbinªO da)'s' to '4t, nQlí~Jrofi1Le)denhat the insurance carrier has offered 10 settle a claim. thenLe~dermªy negqlìatean~settletheclaim. The 30~day period will begin when the notice is. givtn,Jn citber event, Qrif' Lt.':nder àCquires tbe Propen)' under Section 22 or othërwise, Borrower hereby assigns to Lender (a} Borrowêr's r~~s to anyinsutance proceeds in an amount not to e....ceed the aIÏl.öunts unpaid under the Nóte or this Securíty Instrument, and (b) any other of Borrower's tights (other Ihan the right to any refund of unearned premiums paid by Borrower) under all insurance policies còvcring the Properly. insofar as such rights are applicable to the cO"'~rage of the Property. Lender may use tbe insuranceprocecils either to repair or restore the Pròpertyor to pay amounts unpaid under the Note or this Security Instrument, whether or not !bendue, 6. Occupancy, Borrower-shall occupY. eSlablish,4Ud 'U$e Ihe Property asBòrrow~'sprincipal residence within 60 days ~fter the execulion of this Security Ìn$trumem ¡¡nd shan continue to occupy the Property as Borrower's principal residence for at least one year aftenhe d~te ôf OCCUpái)cy, unless Lender OÛlef\\'Îse agrees in wriliDg,v.rhíCh consent shá11 not bcun.reíiSOi:\¡¡bly withheld, or unJesseXlenuatiñg circumstarices exist which are beyond Bórrowec'scor1troL 7.Pt~efVaHonJ Ma;int¢i1artceand J)j-otec!ionQtth¢Prop¢tt~'; In$peètions. Borrower sh3:lI not d~slro)', damage or impair the Property,allow thePr(}peny to dCleriQrate or cOmmit waste On the Property, Whçd¡er or not Borro\ver isr~sÎdingjn the. Property,1)0iTO\ver:shall maintain the Property in order to prevent the Pr()perty from deterioraiing or deCreasing in value due toils condilion.Unlcss it is d~tem1ined pursuam to Section ~ il1Mrepairorrestontt1on, isìtötetùr\omicaHy f¢asibie. Borrower shan pron¡plly rtpairlbe Pr(}p¢rty if, d<'U11ag~d to àVoicJÜmpi:T deterìÞralion, ordam3:ge. ,lfh\sur3J\ce ,or COndí:mnation proceeds are paid íncopnection withd¿¡mt'ige, to" orthetakiogof. thcProperlY, BorroWer shall be responsible for, repairing or restoiingthcPropert)l onl)'if 1..çT1dcrþ¡}$ rcle4lsedproceeds for .snch purposes, Lcnder ma)' dish1!rse proctX'ds for the r~ràirs~dr~St9rl!tjbnjÎla.singl'epaYm¢nlorjnasedes of prógress pa)'ments' as the, workiscQmpleteð. If (be. ios\1r;µice<9rÇ<?n'<1emîláti()nf)rúc~dsareJ10~~fficienî to repair or res lore the Property, Borrower Îs nopetievêÔof 13órro\;;'cr'soblig.-tiòn for<tneC:On1plêdollQf such repair or !"eslorâth)u. ' Lender or its agent may make reasonable eottiésupönand'ìnsp¢CHQnS of the ProperlY. If it has reasonabl~ cause, Lender may Íll$pect the int¢rior of theimprovemcnls on .lbePtoperty. Leóder shall give Borrower npticeat the time of or prior to such aoin/erioe i~peçtionspecifyil\g such reasonable cause. 8. Börrowcr's Loan, AppHcaUon.Borr()wer shaIJ beindefauh ¡f,during the Loan application process, Borrower or anypet!ìöns oreOliHesacting al the direc¡ion of Borro\\'er or, wiln Borrower's knowlt.,<Jge OTeonsent gave materinUy false. misleading, or inacc,urtllC infQrnu1tionor stateDiems to Lender (or failed 10 provide Lender with n\areríat irifotmalion) in connection With the Loan, Malcriäl representations include. but are not limited to. representatiot~sc()nCerniñgBòrro\ver's occlJpanCy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the J>roperty and Rights 'Onder this Sl~"Urìt)' Instrument. If (a} Borrower fails (0 perform the covenants andagreerneuts contained in Ihis Security Instrument, (b) there is alegalproèë''tIingthnt might significantly affect Lenðer'sint~rest in the PropertY and/or ri:ghrsunder this Security Instrument (such as apr6ceedli¡g illbatikruPlcy, pfcibåte, for condel1matronor forfehure. for eJ1fórcernentöf à lien \vhìchmay alt"in priority over (hísSec::Ur1ty' Jristfli!'rtent Or tóenforce laws or regulations}, or (e) BorroWerhasähandøned thðPropçTty, th~t~nderm<\ydóandpaYforwhàteVf1' is reasOnable or appropriate toprotectLender's inleresrí~l thcP.((¡pérty and rights under this Security InSlrµment. ,inçluding protli:tingand/oràssessingihe v~Jue..ofthePr()þerty~ ,and secudng ¡¡nd/or rep~iring, theProperty.únder's acdonscaninc1uqc, but are ño~ 1imiíêd to: (a)payirtganY$umssecuted by alien which has priority OVCr IhisSecurÜy Instrument; (0) appearing in èOûrt; ¡Ú1d(ç) pnyi~grensonab1é G·6(WV} ICCOSÎ (!> t"i[.-:II.s:: Pö,," 7 iiI 15 FòrlYl 3'051 1101 ~ ;: .... '.' ',' ,;:1 ¡ ·.:L:IU":r.r.-:'.!I':I!:,~I::;:':"';:." ,-:,·.~,¡,,,:_,,'a·."--;'·!SJ..r¿;~:,;.:l·::;····,·· .- ....~ "~'~I' ·-·";':i"_"P<!;'¡'~~.~;c .... ':·-,·.·.·,·.I:.:O:i~';'~.-.·. . .~'.' ..... .';: _1 ;,1ß·t:ItI':-i'''"...,· 'T:p'~''''!I,t,~P';;', 'I~' .'.\:.,: .:; ; ,';0";""':'; '.';f.·~J;·;: 1'·!,'~,;'" . :!,;.~, ,".,;- ,'! '''. ','. ';' ..1.....' ~.', '.~;:- . . .... 0320335 COC612 attorneys' fees to prot(;Ct its intercst in the Property and/or rights under this Security Instrument, including its secur¢dposirion in a bankruptcy proceeding. Securingthc. PrQpertyil1cludes~, but is ,Mt linúted ,to, entering the· Pro~rt)' to make repairs. change locks., replace Qrboard UpdOOfS anq windows. drain water from pipçs, , elimin:ltèbuUding or, other codè violationsof,llan8¢tOUS conditiQns, <U\d have utiU~iéS turned on or off. Atch,ough Lendermay take action under this $¢c(ion9~Lenderd~ nöthavetodoso'and is not under any duty orobligati<m to do so' IUs agreed .that 1...(:n(1erûICurs no liability for nonaking any or aU aclÏoO$ a1Jthori:l~'du¡:¡dcr this St'Ction9, AJíY amounts, disbursed byL~1der ~nder tbis~dop9s9~lb«Â~a9ghiºn~ debt of BOITOwer s«ured by thÎs Security, fnstru!1)cnt. 1'þe~@Jo~ntsshäU Þ~~rjnt~r~stªttlle~oterólt~ frorþthe~ì\t~ of disbursement and shaH bè pàyable. \vitn such h1tertst, uponl,\oti¢e f(omL¢r¡,d~tQ13ortower requestin.g payment., , ",',','" " '.,., .,' ,"" "."'<' ,/,', ",' If this Si;,¢urity Instn,ti"òcnLÎs oua. leAAehQld.B()rrowershallcQI11ÞJywltl\:¡;lttheprovisiönsoftfie tease. If Borrower acquires fee, tidè to tbe profie.rt}' , tbeleasehold ahd the fee tirleshaJInot merge unless Lender a.grees to the nJerger in writing. 10. Mortgage líisúrance. lfLend~r required MortgagË Irtsurance as a condition of making the Loan, Borrower shaH pay the prenlÎ\ll1lS requiredro l11aintainlheMortgage Insurance in effect. If, for any reason. the Mortgage Insuraril.:ecóverô!s~rèquir~dby Lender ceases to be available from the mortgage insurer that previously proyi4ed such insura:¡}(;c ao~ ,aQrrowerw~ ,.required.to ,mi\ke 's¢~ô!r~tèly desig~Uitedpaymems toward theprenllums for Mortgage Insurance. llorrowcr sh¡ijl payt.he'Pr~nlM'ns required to obtai.n coverage subsl.àntially ec:¡uh·¡i]Cf1.t to die J\:Wrtgage InsuraricepreviollSlj' ineffèct, at It COSt sulmaJuiltll.y equivalent to (he cost to Borrower of the MÖftgage Insurance prèviú~sly in effecl, from an alterhate mort~age insurer selected by úmder. If substantially equiv¡i]cnt Mortgage Insurance Coverage· is ~ot available. Borrower shall conlhme to pay LO LendcrtheamQunt of the sepáTá[elydesignated paymcmsthat were due when the insurance coverage ceased to be in effect. Lender will 3Çcept, use and retain these payments as a 11Qu-refllndab!e loss reserve in Heu of Nfol1gage Insurance. Such loss reserVe shallbð non-refundable. notwiihstand¡ngthe facl that the I.-O¡tn, is ultirmtdy paid in ,lùJl, and Lender shall not be required to pay Borrower any 1tHt.'rest or earnings ()I)such loss re.s~rve. Lender c,an fie) longer req\!irt,loss reserve p¡tyments if Mort~a~e Insurance co\'erage{i~ JheaIl)~J~nto/'c:l fottheperiod tbatLend,errequires) provided by an, ill$U~ers.el¢ctctl by. Lendër .:.gain b\X:o~aYailaþle" is obr¡¡,in¢(i . and . '~nderrè~~Üres scparaLely designated' pa}'ment$ toward thePremilln1SforMQrt~l!~e Jpsurari~, IfI.~Mer required Mortgage ItlSurailce as a conditiori 01' m;¡kingr!1èu>àJ'1 ao4aorr()\V¢r\v~r~qµ¡r~tomakeseparateIY'desIgnated paymentswwardthe pren~unlS fOr ~fortgageIÌ1surance.,Boriower sh:\1t,pay tbepr¢m!ums require(.I to maìntain Mortg¡\ge IÌ1$urallcè in c.ffçCt" or ,topr(¡yic:lea,l1on'-f(:fundabrc, IQ$s, re.serve. , until, Lender's requirement for Mortgage hl$Uranceendsinaccord;µlçe,~ith~!'v;'rIUená~re9mrH[t)e(w«;flBort·OWer and Lender providing (or sucluenninatÎon ortlntH '. L¢t11Ûi\atiolli~re~µired brApBFc¡tþleýw. No lhing in ûÜ$ Section 10 affects Borrower's oblìgacionto'payintercstatihel'¡!çepr?Yi<le4¡l1'th~No[~~ MòttgágC Insurance rehnburse$ Leñder (or ;In}'e~tItythafP.u¡'çl)~ th~Nor~)fötcertain .Ios$es it m.a.y incur if Borrower does not repay the Loan as (~reed.Bortowet,i$' nót a party 10 tile r\.fofcgage [nsurance. Mortgage insurers evaJuate th~ir Lotal risk 011 atlsuchi~uraJ\èe in force from time 10 tIme, and may enter into agreçi11ellrs with other panics th¡,tt share or modify Ù1eir risk, or reduce losses, These agreðments are on teCt'1l$ and c<>nditi(m!~ thatarê satisfactory to the memga;geinsurer all(. Eheorher party (or parties) to these agreements. These agreements maj'requirethemortgag,e insurer to ffi:)kè payments using, any source of funds that the. mortgage insurer may have available (V;'hich may indudefûnds Oblá.inedfrom Mortgage InsuraLlce premiums). As a result of these agreements. Lender, any purchaser of dIe Note, another insurer, any reinsurer. any other entity. or anyaft1liate of any of the foregoirt$, rnay rec.eíve (directly or indíreclly) amOunts that derive from (or rnight be CharáClc.rìzed áS) a portión of Borrower's payments for 'l¡fortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reduêÍng losses. If such agreement provides that an atTiIiate of Lender cakes a share of the insurer's risk in exchange for á. share of the prerniulTlspaid to cheìnsnrer, the arrangementisoft~htet'med "capti\'e r¢insur<1llce," Further: (a) AU)' ~uch agreements will n()taff('Ctthe amou;qts t~~taQttower has agreed to pay for M:örtgagc. ~uranc~, Or allY Of"ç[tcrms()f JheJ.A»m.5ucbi¡¡~r¢f!~¢n.fJiWiH nQt ntr~e{lie&moOnt Borrow~r\\1Uowe for ]\:rórt~agelnsurai1~.~ndthct wÜ[noftntftlcßorrowcrtàâny rerund. InlJj¡li~ $.6(WYI fOOO'!iJ 11) P.~e'8 of 16 Form 3651 1/0' ." ·;·.r.-"I!;:I::';:\:':':¡:;:I:.,:r.;,:;.:,::!:;:r:¡:~··,"'ol'. ~'7~,",!;~,~ji " """,.P-.-. "-¡., ',' ~;·'.Y"; """".)OJ'.:ifJ.;Ot:'~~,': . " '',' .!I·'·I·".!.1·J.I~.·'· .. ,; ;:: '!:o,"'I,,,~x:a!'W'~~t'11;:¡;: i*:.!.1iW:: :o!';H ',', \;:, 'i"i' \ "..' . . , ':; ~¡ h:; ';~ ¡~';':I;I:I;;i:I:i;'>"':'~1,..,h. ,;;: ;~; 'T,'. 'I;:;: ,I,,; .~;~¡ i;' j.;., :' '. _ 0920335 00('613 (b) AJ1>'Súchagrœm(,ntswiU o(jtl1f(ecttherights;n()tr()w¢r:~åS';'if qo)'- wíth r~pectt() tbe Mortgage InsQranceundl:rtÞe lfon1eQwnersProteçtion Act of 1998 or any Qtber Jaw. These rigQts ma)' indud~the right to receiVe cert,âin disdQ,Sures, to r¢9u~tand obttl$ncancèllathmo( the Mortgage Ihsurancc, to hnvethe 1\Jortg,age Jiisuiance terminated' autoÒJatica1J)'t aDd/oTto r«eh'ea refund of any Mortgage Insurancepremhuns that were unearned at the time of suchcanccUadoh or termination. 11. Assignl11cµt orÌ\--1tsC'~lIaíj('()Us Prôc~dSi Forfeiture. All MIsccllaneous Pröceedsarehereby assignedío andshnlI be paid to Lender. " ' '" '" '" . ",,' , " ",. _ If the Property is damaged, such MIr.çellaneous Proceeds sball be applied to reS(Qratiön or repair of the?roperry, ¡([hi! restoration orr~¡>air iseconomical~y fe~ible,a.ndLender'ssecuri£yts 110t lessened. During sucb repair andrestoralionperiod, ~ender shaU hav~ lherighltohoJd$UchMiscellaneous Proceeds until lender has , bad an opportunity toinsBecl.$Uch~ropertyt0f:tlsure (he work bas.b«ncompl~teðlO Lender's satÎsfacÜon, provide!1tl'¡:.u,$4ch l~'p<:Çtion' sh~llbe UncjeI1akenpr~rw¡Jy., Lçnder n1<\ypay , for ,me repairs and restoration În, a ,sin~le diSbµrsl,.'fP~nt o(jna '~ri.esofprQ&resspø:y~n~I1IS as Hie work is c,omplcted. Uri.!ess an agreement is made in writing Or App!iç;¡ÞJe Law requites interest to be paid òn such Miscellaneous Proceeds. Lender shaH nor be requked to pay&rrowerany .ìnrßr~st or earning~ on such Miscellaneous Proceeds. If tile restora(iollo(~H¡}ir i$,!1()t''CØnQrrúcêlJJ'yf~asipJ.eor~~1l4er'$$ecQritywOiaId be lessened. tbe 'Mi$èCll an~oµs Proceeds',shaU'beàJ>P:lí¢dt9J~r~~sec~red.'by,t~i$S~ClIJIt:yJl).strult)¢nt. whether or not then dut", wilht/1¢èxce~~ i(àny, paidto:BOÌTQwer. Such Miscetláneòu~PrOCeedssÍtaU be applìoo inrhê order provided for in SeclíOl12¡ , ,'" "..", ..,' , In the ~\'ent()f ,II tötallakinª, destruClÍon. orlo$s ~n v~µeOflhePrQperty, ìheMíscellaneðu$ PrQceeds shalt be aPPlied to thc$UJTI.~ secured by this Security Iiistrument, ,-,,'hether or not th~n due, with the exc'"Ss, if any, paid to Borrower. 1tlth~e\'ent of apartiàl r¡iking, desp-µ,clÎ6n, or Jøss. in v:lluc of the Pro pert}' in which tile fair market value of the P!'opert)' Î1t1lnCdiåtely heforetJicpartialtakins, d~structlon~ or ùssin \'alue is equal to or greater than the amoum öfthesumsseCI)J't(I.bythisS¢curg'yI~strumcot immediately befoTe: tnepa:rtíåJ taking, deslru.ction, or lo$.s in \,.ilue,un1e.,~s Borrower apd [~Ilcter otherW¡~agrec , in, writing, thesutns SeCUT('(} by this Security Tnslrument shall be rt..duced by the amQunt of tJ¡et-.'fisccI1an~ous Proceeds multiplied by the following fraction: (a) the (ota! .amount of the sums secured immediate])' beforcthe partial taking, destruction. or loss in value divided by, n» the, faÎr m:¡rket , value of the Property inUl)e(/iately beraTe- the p,mial,laking, destmc[Îoll, or Joss in vatüe.AI1Y balanceshaUbepaid to Borrower. In Ihe event of a partial táking.d~truçtion,orlo~sinvall!.eofthePr()PèI1Y in whkhlhe fair market value of thePmpel1y immedialely before the partial fãkin~. d~truction..orloss in value is less than the amount of the sums scÇl.m~d immediat~ly before the e<U1ia,ltakill$, .dcstrùçti0ll' or ,loss II) value, unless Borrù\ver and Lenderothef\Vise agreein~'ritillg, .th.eMisçCll;mè()\,~Proceedssha1t be ¡¡ppli\."d to the sums secured bythisSccutity h1strQl1lentv.'het~~r or>110t lli~$utnsåÍ'çJhelr?µe, If the , Pl'oþêrtyis ahai1dOf)edby Borto\\'¢r. ór'if. ªfr~rt)qri~~ by'~nder(6~OrrO"ier thal< th~ Oppo~¡ng party, (as definedhlth'ene"Jsei1!ence)offçtsJ(rma~ealla\.\1l!rd tos~lde' aclairn for danlll~es, Borrower fails to ì'èspOndtoLender within30d'aysafterth¢~a.tc:th¢lIoticeisgiv~f]\LC:lXder is ~ÙHhorized 10 colkct and, apply the MisceUa.ueoU$ Ptøc.è¢ds either tQrestoratjcillor r~pá1roflhe Pröpenyor to 'the SUnlS sceured by Ihis. Security Instrul1~el)t, wheth~or n()!t1ìt:lI dµe. ,"Opposing Part,'" ITÍeilns the thirdpal'ty that owes Bort'owêr MiscelJ:mcou$Pr~sor the partyagahlst \vñOm' Borrower has a right of action!n regard to Miscellaneous Proceeds. ,',', ,,< ,.' ,',', ", '",'., ',",.',' " Bortower shaUbe in defaultifáJ\X,ac1iQri öTproc~edin~,. wh¢tllercivil orcritninäl,isbegun that, in Lender's judgment. could n:sultin fqrfeiture of the\Properry otpiþèrmaferialimpa1m\el1t C?f Lender's interesr in thePropetty orrigtH$Un4erthìs$~Curh¥I~lrumc:.m.a()rr~W(T'i~ cure su¢ba qefauhand, if acceleration h4SocI.:iured.reinstatea.s' proyi4edin ScctioIl,19'9ycal1sing theáCtiof]or proceeding 10 be dismissed with a ruling ,that" in "'ef).der.'sjudgínem.Ptt:GllÍd~s (o(fe:ittlre:oftfieWQwtty Qrother material impairment of Lender's intere,s! hlU1è Propl:rty, or ri.þÞt~~l1ªertbis S('Curity InstÎ:\unent. The proceeds of any award orclaimtbr d;m}ag~s iliatar~atlributaD1e todî(:jmpairment of Lender's inl¢rest in the Property arehereby~ssigncihandshanbepaid to Lender. ,,' ,,', , ,', ,', ',,', , ' 'b'e All Miscel1aneóu$,Proc-eedslhal are not apptied lQrestorationor repair of the Property shall applied in tM order provided for in Seclion.2; Q -6(WYI ({)OOSI , <IJ "a~ ',or 15 IniíillS~ Form 3051 1101 mfiji~¡I;~mi1151~i!l; m;m;mm~~;m¡ ¡i ~::I.~~~ilii!~tJl*~~) ·~r~:.~~: '-,",: ...... "·'ot.i.iI............¡,'¡.~.....,·i·¡~i'!'~~~~~::~...¡r.·i,::1!::'.y~,,~iØlþ{J;.ft~..:()Df~~~. .. ·~····,,'··.;·,-;i'.·;':· :·.···,~.:·¡'I.:"'T.'.....'~.;·...·..·. -;'~', ~'.::~t.._.:,'··~'W¡..;t;.;:,..16U"~'~.:!"n.~,~.'':;äìtB~.¿fJt¡;¡ji~S-_~::~l¡:: ·,¡·¡~~,~;:1'-;;G!F;~.t.¡!~'....,ó!'.~_:'::'-r'1ln;~¡:Þ."'~~;" ¡-r,:.~:;;~.~~t¡...;...~;:,,~, 0920:J35 OorS14 12. Borrower Not Rele~sediFórbeµrånce BJ'L~ndèrNotaWåivcr.Extertsion ()f the dmefor payment or modification 0 f:uoor[izaÜon 0 f the sums sCèuredby this Security Ins trument ~nlm~ by Lender to Borrower or any Successor, in ImerC$[ of Borrower shall not op~ratc t!) rekasc the liabiU[yof Borrower or any Succe5$Orsin Interest of Borrower. Lender shall not be required to comrnenceproceediI}gs against MY Succes$6r, in Jnteres[of ßorrower?r to ref4s~toextendtiU)e (orparmentorotherwise modify artl<>rtization' of 'the' sums secured 'by, th isS~çuriJ)' lò$(rumcmt .I)y reason of anY d¢m~nd ITw:le by the original 13örrower or any SUccessors jtllnte¡-~t Of BOtrower. Any forbearan.ce by ~l;Ider in ~erci$ing aI\Y rigb,tôr r¢medyinctu4ing, withou,t Umìtaticm,Lender"sac<:eptinceof Pél.Y1l1ellts fr01l1thirdpersons, ,entides or Successors in Interest of BOrrov:'cr Or in amounts less than the amount then due. shall not be a waiver of or prœlude the exercise of an>' right or1'èI'IlOOy. ." ,', " , ' , , 13. Joint !.Iud Severa) Linbility; Co-signers; Su~essors and Assigns Bound. Borrower covénß.nts and agrees that BÖrr()wcr's obligations and Habílìtyshall bejoimand several. However, any Borrower who co-signs this Security Instrument but do<.:s not ëxe-cute the Note (a Mco-signèr"): (a) is co-signing this Security [nstrumenl only £0 mortgage,grant and cQfiveythcco-signer's ÌfJtcn.>:.')t in thcPropcrtyunder the tenus of this Security Instt1.Jment;, (b) is nQt persollal1}l obH~a,ted to pay the SUms secured by this Security Instrum~nt; and (c) agrees Iha.t1'..cn(jef and any othera9rro~er ,canagr¢e loextend,modif>'. forbear or mak:eat1yac~mrnodAtioi1s with regard to the termso( this S~urity (öst.rumcnt or the Note without the cCHigner's COnseIlt. , , '. ,.' " Subject to thè ,provisiòn$ of Section lS.any Suc¢¢.$$OI'i~l Jiltere$tofBÖtroW~r whoassUrhes Bórrower'sobIigationsunderthis St:Çµril)' lristcument inwriting,and isapproveijbyLel1der. .sh~robtain all of Borrower"s rights a.nd bc!u~fit!i under this$ccurity J!ìstn.un~nl. ßorrQwersflrù11l0l be rc!e4-<ìcd f¡-om Borrower's, obligations and liabi1ítYl.lI1der this SeclJrit)l Jn~tn¡p~n~ul1less~elldera&r~s (0 such te!e¡3Se ill writing. ,The cove:nant$and agree~l1tsofthis~lJdU' lÌi$ìrumcnt'shall binc;t (¢X;CCpt a.<; provided in Section 20) and benefit [hesucces~orsandá.~sig!1sor l:enCfer. 14., Loan Charges. Lender maychar~eBotr!)wer fecsforscrviççs,ptrformedincPnnection wÎth Borrower's default., for ,the .purpO$C, of protecting 'L.eJlder·sillterestjn 'tl1,e.. Prppert}' a.n(!.rigþts,undcr this Security Instrument, includil1g¡bqt l1QtUp:}Ítc4 !L).áuo,meys' fe¢s'PJQ~ertyj~5¡>ectionaIld valuation lets. In œgard, to any other fees,tlie absenç~orexpre~~aµ(h()t'i[yintl)isSÇC1,Jdl>, 19strumèrlflo èharg~ a specific fee to Botrov,'ershallnotbëconstrueQssaprohjbíiil:inoÌ1 diechat,gin,gof suchfec. under may not charge fees that are expresslyprohibilCd by this~q.triWfi!SErum~ntorbY Applic:.abk Law, If rheLóan is subject to a Jaw whichs~ts maxÌrÒI.Ünloan charges,and tl,ar Jay;; islln:Hly inLërprctt.>d Só that Ehe ¡merest or other lOan charges c.()U~cted or to be collected in connection with the Loan exceed the pennined limits, then: (a) a.ny such loan chargesha.11 be reduced by the amount necessary to rt.'¿uce the charge to the permitted Iimit;and (b) any sums a1rcadY collected from Borrower which ex£eeded pernlÍtted limits v.'iU be refunded to Borrower. Lender may choose 10 make this refund by re-duéiog the principal owed under the Note or by making a direct payment to Borrower. If a refund reducesprincip~, the reduction will be treared il.<; a partial prep~j'men( without an}' prepayment, char~e (whether or not a prepaymenr charge is provided for under ilie Note), Borrower's, acceptance of any such refun£! mad!:: by direct payment [() Borrower wiU constitute a waiver öf any righlbf action Borró\ver rnighthave arish¡g out of suchoverchârge. ß. Notices. AU notices given by BorrO\\'er or Lender inCOllllection with this Security (Mtrurnent must be in writing, Any notice to Borrow¢r j¡l~nrlCCÜon wi* this Security Instrul'Uentshall be (ieemedto have been given to Borrower whennw.íIéd br first cI¡3Ssmailor when actuaHy delivered tö:Borrower's notice address if sentþy other Ipea¡lS. Notice to any 0geBorrowershallcopstitutenolÎCetoaH Bo'rrowers unless Applicable Law expre,ssly requires otherwise. The noficeaddress shall be the Property Address unless Borrower has designated asubstirute noti~ address by notice to Lender. BorrowershaUpromptl.y notify Lender of Borrower's chaQge of address, If I..endcfspecifies a procedure fòr reporting BOrrower's change of address, then Borr()wershaJloltlyretx>rt a cha:nge ofaddtess througl) that specified procedure, Therè ma,}" be only one dl..'Signated notice address underthisSecu!'Ìty InS(rul1tellt¡¡.[ any onetime." Any notice to Lender sl\;¡,11 be given by deliVering horby m.ailiogitby first Clw;srp¡¡íLto Lender's addre$s stated herein unless, Lender has, designâtcdapQ\Ìler,~dr~$s ,þ'yJ19(iç.e, ,to, ',~Ql'f!)wc:r',An~tIlotic:e '. in conne.çlÎon with this $ecurity Jnsrru~nt. $h'µlllQtÞØ dC!':rn¢d ..toþ.~vel)e'ëhtiv¢n,to -L.-¢nder untilªctu~~y recdved by~nder. Ifanyno[ice t~luiredby thisS~udt~'Instrµrn¢ntis~lsÞrt!qpir~dtmder AppHcabl¢ Law, the Appticable LawreqJiirement will satisfY the corresponding requirement under this Security Instrument. Q.6(WY) rOOO5~ ~ P.~.,. 10 of Hi Inj'i.I';~~ Form 305,1 1/01 · . .. j ", '.", .......;"'...,".., "" .~" "1· ~:...~.~... "'........_..t>::;)"';.;.¿.,-""~Ai<!J,;...~~ ".""';,".-4',,'!, "...,....: ';, -.... ,'~ '_' ,',. ''¡ ~,...."~~--1"'..L!.': '.... ··'··.·.·.·.·.·.·.·.·.·~I·.. ,. ~",::~,:!(~:n#'''''':J..~~p.4·'~''':¡'.'!\P'''l''!I:··:'''·~;'<;'''''·:i··~., ''1,;':::.:' ;.;_,:~, "¡; ·L'i'l·'·-I~."ì·':;;'~,~;';:,,·_:,:':·!,,~-i.."'·', .-....-:'.~'--¡.·;;,'~Mo.' ,'.i.·, .:',', OO'-:¡'()«'} "'"'1'& J¡t;.;~ ~.J'A.,J CO('615 16. Governing Law; Se\'erabiHtyj RulçsofConstryc;tiøn. Tbis" Securilymstmmept shall be governed by federal law and the law of the jurisdiction inwhi¡;hthe,PrQp:el1y)s!öcated, ,p.llri~htS'3Jld obHgationscontail1ed in !.his, SecOrity InstOJmem.aJ'e subj~ttQ ~~.reqWfçm~uts.<wd li~ta.tiq!1S()f Applicable Law. App1icab1eLaw<n¡jghte~pncmyor j¡l1p'liçítl¥~I()\\'tl1ep~ies"to~reebycantra~t or ít might' be silent, but such siIencesball not b~clJnstrµ¢d~sapmijjbjtia,n, ag#hlStagreemeritbtcöntractIfi tile event that any provision or clause of1hi$Security )?$trµm~l1t onheNotecOIlPictswiili AppliÓaÞ!e La\\'. .such,col1t1ktsh¡¡H not .affectotherpro\'isions of tins Security Instrument or the Note which can be given éfféCtwithQut the 'conflict.ìngprQvision. .. , , As used in this S~uritylnstrument; (~) '..'ortIs of the ma~culinegender shalt mean ánd include cotrespo~di11~ neUler words or words of the feminine gender; (b) words in the singular shaH mean and include the plural and vice versa: and (c) the word "may" gives sole discrelion without any obligation to take any aêtiÒli, 17. Borrower;s Copy. Borrower shaH be ~iYen ône copy of the Note andaf Ihis Security Instrument. 18. Transfer of the Propert)' or a BencfiCial Interest in "Borrower. As used in Ihis Section 18. "Interest in the ProperlY" means any legal or beneficial,' interest. in (he Pr()pcrt}'" including" but not 'lJn~tcd to, those beneficial interests ttansti."rrèd in a bond for d(.'Cd, contract for deed, iilstalhneJ1tsale$ Contract or escrow a.greement. the intent of which is t11e tran,~ferof thlebr ÐQrrower at a fµ(uredåte toa p\1rcbaser, If aU or any pan of the Property ot3J1Y lnterçstin the PröþêrtyiSSOld ortra~ferred (orifBOrrowêr is not a natural person and a bCnCtièiaJ ,iJltert.~tin BórrøwerissoJdqr lra1l$ferred) Wi(þøqtLt:nder'sprlor written, consent.. Lender may requireimriiçdiarep~)'nJCnt lnfµllof!'llsl1~seçuredby lhisSe<.:urity Instrlunent~ Howe;"er. this option shan D()t beexerçiSed by Lender if such exercise is prohibiledbV Applicable taw. ,", ,',', ."",' ."", ',""',',' ,,".. ,',','" ' , . If Lender, eXei'cisesthis option, tender shall ~h·.c EOJ'Ï'()wfr IlQtiçeofacçelera~iøn. Tbcî:loticesh<ûI provide a pcri()d of liot Ies$ than 30 daysfrQn1 thedateJÞêlíoticets~¡ven' 'in accordance wirh Section 15 within which Borrower must pay all SlJµlS st.'Cure~ b)' tl\is Secudty!J1stnunent.lt'Borrower iClils ropay these Sums prior to the expiration o(thlsperí<>d,Len;Qerlpªtinvoke arty remedies permitted by this Secu rhy lnstrumeµt with(>"lJ t t\lrthérnotiêø()f~I;!¡TIªndO)aQrro"'er, 19. Borrower's, Rìght, to~e¡n~ttJt~ArtetAçéelerati9Il. IfDbrrøo/Ërn~ct$êèttajn ,cc;>nditiqn1¡. Borrower shall have me right to haveerifarccme.nt ofthi~,SèClJrit.}'InstnJm~tdisçömihUe4 aLan.)"tiine prior ta, theearHeSt of: (a)',tWedays betbresá1C,of Ib~PrQpertypUr~l)anl.t~an~.PøW¢r 'of sale,c()maitlcd in this Security Instrument: (b)sucb OIherpericxJ as ApplicablelA\V lt1ightspecif)' far the termination of Borrower's right to reinstate; Ör (c) "nlry of a judgment ,enforcing this Security Instmmem, Those wndi[ions arc tlml.Borrower:(a) p~ys Lender all sums which thenwO\1)d be due under this Security Instrument and the Note as if no accelerati()fi }u¡doccµrreq: (þ) cures any èlefauH of any other COVei13ms or agreemênts: (c) pa)'5 all expenses, incµrred 1n enforcing this SccurÌ1)' Instrument. including. but not limited to. reasonable attorneys' fees, property in;spectiol1, and valµa!iön f~, and oilier fees irtcurrc:'d for the purpose of proteclingLender's interest in die Þrnperty andrìgbls unôer this SecQrityJnstrumem; and (d) takes such act ion as Lender, may, reasonably require to, ¡j..~SlJ r(: "th¡tt Lender's Ìllterestin ,the PrQperty and rights under this Seçurity Instrumènt, :Uld Borrower's obHgatio(1mpay the, SUI!1$sl,'C,ured by this SecurÜy J nstrumem" shall continue unchanged. Lender may requiretl1atBplT()werpaysucb reinstalementSQffiS and expenses in one or more of the [oUQwingfom1S, a~sclected by Lènckr: (a) c.'1sh; (b) money order; (c) certitied check, bank check. treasurer's check Qr cashier's check. provided any such check is dr~wJiupon a.n in.~tÎfùtion whose deposìts are insured by afedefaJa~ency, instl1lmemality orentitYi or (d) Electronic Funds Transfer, Uponreinstat'cmt.'11t by BQrrower. this, Security l~strumènt and abliJat ions~ured hereby shá11 rem¡tin fully effective .1:15 .ifnoaccclcl'aliøn bad occurred. However. this righi to reInstate shaUnot apply in the case of àCèelenltionuI}ger Sectian 18, 20. SaJe()tNót~;, Change Qr Lonn servicer; Nøticeof'Grieyunce.The Note or a þartialinterèst in the Note (together wi!.h û1Ìs Security InstìVmt:n~) canbcesol~one Or rtiOre times....ithoulpTÍQr notice to Borrower, A sale might, result in ,3, chang~ i~ ,iliCt:ntitY,,(kO()wnas th~"lA~ServÍ(;er") thatcoU¢çts Periodic PaymentS' due ulldcr the Note and, this. Security Instrument., and . performs other mortg¡:[~e loan servkíng obligatiollsupderthr:.: Nøte, tbisSecuritY)I\St.run1~ntapd Appliç~Þle I..aw.There á1so might be ()he or more changes of the Loan $erYícerul1~t~t~'<J,to., as¡ûeofw.e N()te. If there isach~g.e of the' Loan Servicer. Borrower V;'HI be given writtennQtice of1be'cbaJ;lgËwbic&wiU~t¡HC If¡¢lI~me~:Ö.da<Jd.res~pftPe new Loan SerYker, the addrøss to whiêh'paj'ß'leptS should bèlJ1âðe and any otherirìfQonatlon IŒSPA lniti.ls: ~ _:6IWY) joo0-5, P¡,,¡¡e 11 0115 Form 3051 1/01 ~"N""""¡ ·It'¡''.\lt¡..>;.,l'''~'J ::;:~~8188~:l~~ .:.:.:.:~ i~:+i*:·:;: :-:f:.:f.'.:.::~:; t~:;miJ~ ':':!:.~}J!:.:';~~> '""""".,."""",.,...,'.'"'",,,,'."" '",·.,';·,,.......'oW'·,.:"'o.··.'"",,·..··.,;'..·· ._'"...""~......,.-_..._ ...__....,.,_.........;0.................., " .'-l:\~:.r,""_....~a"'''o;ot·''',J:'';·;¡_'y, ::':~,"';;...II.'~., , ,", 'I"..._·~.;..-...¡<O¡'!'...i:',~. _.,_ ,.;. , ' :' '. '.... ;., .......;~..; i'.,,',:... OOCSl6 09203;J5 requires in con.n.~~tiôn WíÛla rt()tìCe oÍ(ransfer of servicif}g.lfthe Notc issold'andthereáfwr the Loan is sen'ic.ed byt LoanServicel' other to¡jn thepurc.haser ,of theNþtø,tbemt¡rtgage loanserVicìngobIígatiö!'I$ to Borrowctwîn temaitt v.ritlr die löati$e'rvicetør~transJ~rr~atóa$í.lCCessorLóanServicer artdnrenot assun:1èd bY'lhe Notepurc/l!i$erunless o$er'\liseprovided'b}'iheNótepu.rcbäsèt,. Neither' BorrO\\ler llorLel1.c1er nla.y C.()ìlU1)erttê. jöìn, Qrbe joined to anyjudìcial aclion (as either àn individual litigant or the member of a class) that aris~s fromthê ot.1jer pahfsactîons pursuant to thìs Security Instrument ort.1jåt alJegesthåt the o[hetPartYhasJ)r~ôh~anyPfÖ\;ìsí6!loî..oranYduty 0:vedby reason of, this SccurilyInsu"Um~nt. unt¡t$uch norro.weror~pderh~nQtJneð.th~oth~r'p~y("'ritl1SUCh notìce givcniri, compliance wit:b' dle, re.quiretnet\ts ,of Section 15) of, sUèhanegeåtir~þand3ffQrded the OIher partyhêT¢tö a reasonable period after tliegiVi1)gôfsucllriodci; 'totâkecörtective actióìl. If Applicable Lai,I/ provides a (Îì~ pel'ì6d which musteJapsebe(ore certâin actiótl can be taken. that tUne )eì'Îød wîUbe deemed toberea.sonable förputposes of thispar~taph. 'f'he notice M acceleration and opportunity to curegi\'ên to. Bòrrower þursuaÙt to. Section 24 <ind the notice af acceleratìongiven to. aøITowet pursuant toSeetionlSshá11 be d¢emed to satisfy the notice a.nd opportwlicy to take corrective at(Îön provisions of this Section 20. 21. Hazardous Subst.ânces. As used in this Section 11: (a) "Hazar4ol.l.s Silb¡¡lanCes" are those substances defined as toxic or hazardollS substances,pöllUtant$,or \\iâ¡¡tesby Envirt:ín.n~nta1La\vandtha followingsubstmlces: gnsoline. ketos~ne, other nan;1ffiaÞlêor t()XìcpttrOlðUI11prbducts. tOxicpes'ti,éidèS and herbicides. volatile solvents; materials containing asbestos or f(1I1tWdehyde, and radiaactive fl1'1teriaJs: (b) "Environm~ntaJ Law" nleans federalla\l.'sanâl~wsonlíe )1.l,¡'isdictì¡'}Ì1whete the Property is located that relate to hcâltb, safety orenvironmcnlál proLéctìðn:(c) "ijnvlrönmental Cleam¡p" includes. <mY response action, rerne;cUa:l action, Órremov;ù aClÌún, as de tined in Enyir()1Unedtal Law: and (d) an "Environmcntal Condition" me-ailS a cOl1dltión tha.t ~1\ca.use. cöntrib1.¡teIQ,O( òtòerwlse (jigger an Eilvirð¡uüental Cleanup. nortower shall notéause (S( rennit the prè$ènce. ÜSC. <iispos<ù. stótage.ortelease of&I1Y Haz¡1rd()us Substances. orthrcát¢n tÖ rèlcas¢ 1Ul)' Hå7-ar(Jb\1s.sl.lbst~Cès,On9tJn the Pr()p~r(y,Dorrower$h.annot do. nor allow anyone elre to do, anyrhingaffectingthe Pro.peny(¡¡) (hat is Ì,ll víolatiOllof ànyEtl'i'ìrónm.ëntal Law. (b) which creates a.n EIWitonmentåÎ' Condition,or (c) which.(f'uetötlÚ~'pre$¢n¢é. USé',or rêle!l.~o(a Hazardous SubStance. crê.1tesacondltiûlllhat adversely ¡tffectsthcva/ueofti\e Ptöperty.Thepièccding two scnwncesshall not apply to theprescnce, Use. , ðr 'storage' on . the Propèi1y o(stnal1. qU¡U¡titic$of H~ardous Substances that are generally recognized to be appropriate ro noí:mal te.sid~ntiål uses and to mainteltanceonhe Property (inclucting. but !lot limited to, hâiàrilous substànces in consumer products}, Borrowcrshál1 promptly give Lender written noUce of (11.) any ìnvestigation, claim. demand. lawsuit or other action by ~y gov¢mmcntal or regulatoryag¢ncy or.priv¡\tc part)'ínvoiving the Property 3.1'ldany Hazardous S'ubstance or Environmental taw of wl1khBorrower hasa.c.tual knowledge, (b) any Envirorutlét1tal Condition. including but nOl lìmited to, àny spilling. leaking, discharge. re(é<lSeor rhrc;at of release of any Hazardous Substance, and (c) any condition caused by the þresence. use orrefeaseOf a Hazardous Substance which adversely al'fecu the value of the PrO pert>' , If Bötrow¢r ¡eärns, or is notìfied b~' arty governmental or regulatory authority. or an)' privátepa:rtY .th·àt any removal or otherremediatìon of any Hazardous Sg.Þstance affecting tbePtoperty is necessary, Borrower shalt promptly take all necessary remedial actioíls in accordance with EnvironJ1'lèntål Law. Nothing herein shall create any obtigation on Lender for an Environmental Clea.nup. ~ '61W\'IIOOOIíI ~ P¡¡!Ji 12 01 16 In;w.l~ Fôrm 30511101 ....' .........................,....'.~,..-,..."..........",.-........,,_.~-.<t:.'O'I:".~_~.._. ',n" -, ,~.,.". ... ~'."'...'._",,","",,~,, .' ~. '..,'.. . .......,.~.......~... ',' , 1.'."·Ò<~·....:r...._,"'-"...,.~·" t:',,,,,,..,·,,,CI"'::~.:...,,,~ :"_'.. . ." ....... -'·..I,..!'>'':'i!.·..i'!V;O',:'.;;··,.·.·,·.. .;....,~...."':::.,II,;.:..!.',~µ.::.-.,"-'C 0920335 1i!\f"617' IJ \.; \ . NON~UNIFORMCOVENANTS. Borrow'erarid Lender fl1tthérêov~nåïlt and agree as follows: 22. Accêleratíon; Renledics. Lcnd(:r.shallgjv¢nQtjcetºBQ~rowt:r ,pziQr't~ncceleraUon.' foHo\\ing Borrower's 'breach of an)'éoven;ml . ()r ,ßg~e.~~~~t,iÞ "t~$~~µ);'iJr Jnst~~~le~~. i(bUf pot,~dQrto acceletatioh under Section ,18",UI11e.ss~ppU~,~1~I(~~~prQij9~~tbel"\VÍse)., ~~'n,9tì~e~hª}I'sped~:p\) thedefnµltj', (b)'. tbeactjon ,rcqulreatOJ:ucc" tbe' tJ~r~~)t; .(C);i~ä~~.nó,tless'mªÌ1~Of.I~tlõ frønttbed~tè lhcMt1ce is given to Borrower I b~'\'bi(:htbederI\1?tll}~(;þe'cured;~nd(cJ11M~J~ill¡rç to cur~Jbê default on or .. before tbe dàte .,I>pedficdin (b~ooUc:emayr~,~tl~J}ç.c~le:..ªH(I~(I(th~~l.lm$seçurcd,by thig Security Ií1strumj!nt aud ~)(~oftllçPropertY'TMnqti~cr~}}~])fuHJíer iuförn1. ~q,rrower ,(If the riGhttore.inst~te·aner acc.eJeranon .,al1d,.therigÏ1tt<>. br¡~~ªçQ4tt~ÇÜ6pt~~~5~rtt~f.!PQ~.eKist~çe,ot ' a, detauJtor any other detcu~~ ofBorr()\\·ett~~cè~le:ranoµ,~i<f:,~iíl,~.Iftbe_~çf¡l~lti~ll9tçqt~glt()-r before ",the d~te',s:peèU'j e<Jintbenótice", Lcegder'·'~,tiW()Ptil)~~y-re'~ir~fl~we~~t~,JÍ~ÜiJ]ent'.jnf~iot anSIUI1$ ~utedby this Security Instrujlïelltwitfi()1!t'iurt~(:r'~çn1anªana-J1layjµv~~ètJìepow'er ot sale' and an)' . other remedi.l'Spermittedl~YA.pp)¡cahJe L.aw.. '(.end~rShlH.be eótitJed tocollœt aH cxpcnsCSÌJlcum-edinpursuillg thereJncdiespro\'ided in tlììsSection22,including, but not Hmited to, reAson3bleattornc)"s' Cè('S and CO$(So( tiUeevidence. If Lenderin"'ok~s thepoweroCsale, 'I.,ender shaU#,i,,'eno(iceotbHeollO to,r~'()~~ to .nom-ower IIJ1d to the per'soß ,in' posse$Sionof thePrQperty, ifdirter~l1t,in accordance with Appli~b]e LtJw. Lender sbaJJgh'e notice of tbesale toBorr~werintbem~rmerpì'ovided inSecHon 15.l:'~nder ,sban. pUbH$h thenlltíceòC sale. aodthePí-operty£haUhesl)(dín the mánnerpT~crlbedby AppH¢abh~ Law. Lende.... or its designee may purch~se the Propert)' at anysaJe. Tlkprocccdsof the salesb~U be applied ,in the, followIng order: ,(a) to ,an" eXpen~~t , t~esaJe., i~cludíng. ·.böt.not limited, t(}~ reason;:tblenttotne)'sJfees; UJ) to nUS\JJ11S secured by thisSccurlty IIistruim:nt; and (c) any excess to the pêrson orpetsòns IegaUy entitled to il. 23. Rel~~Se. UpoDpnyment of aU¡¡umss¢êuteðiQttllis~~~rH1rIl'lstI'UI11ellt,[.eÎ1d~r$hallreleaSe(his Se<-'tirity Ins(r\nnent.Borrower shallpayaiìyrecor~a(iqllcos~.~t:Ild~t11aYChargenlYlTø\l..~r a f~e for releasing this Security Jnslhunent, bUlOnl)'jftbeJè~ Îi¡·PAidti)atl1itdpartyfof'servites f<:'mferwandthe chargingòf thefêe is penniHed under Applicable Law. 24. Waiver!i.Borrower r¢h~as~$al'Ìd W¡j:jŸê,San rigntsunder and by virtue of the homestead éXémption lav.'sofWyoming. G,-6(WYl (0005" I!) rn¡UÒII'(Û/ Form 3051 1/01 Pa~1; 1'301 'Ii ;:¡~!~ill!Ð¡jm~f~} ....."...'..,'...'; '."'-:..;,,' ':'-"'-~",.":.¡:..'~.,~~""-:"-. .' '.',.................,..' ,__.J ;~t~'i·..~<'.:t',y.'-'... I' - ~ '~".i ~"....nll:..:i-:<:·"¡;"".,.<,'·:.;;,.,,r: '..·...:I··.'~l?ô1I':r.r:;·· .--0..11....65 d -~û~~ ,..}..,J "'.J,~-:J . rOC618 BY SrGNING BELOW. Borro\!,.'tr accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Bòrrower and' recorded with it. Witnesses: (Seal) -Borrower ( Seal) -Borrower (Seal ) cBorrowcr (Seal) ·DÒrTower (S(!al) ~Bòrt\)\\i'er (Seal) -Borrow.:r (Seal) -BOrrower (Seal) -Borrower """"'·6(WY) (00051 ~ P"Je 1404 I!; Form30611J01 .. ,....!i~m'U~m:¡:ó~CJ.:..:;,x:,~I1;~~¡ ;".:¡,,:ml:;;¡t¡.~!t!.,;,;i"'¡¡""" ".¡;,. -.' ," .C... ···~-:<-:,,:;c';t;m..~:.il'.. '.' ;,;, .';' "'~ ·;'~'·':;"~;a::~l:¡·:'::':r.~:;:.~.~.:.:.~¡:;;¡~; ::.. -¡;:!j.;; ,;. _ - :':'J;I¡~({~~iU:c;m;!~Jf'.H~Nt!ffrh~!¡tf'!l!jr,.;;':!:;(¡E¡-¡'. ".." ':'!:r¡:iP,:;:;I;u:....U:';t1¡i:':lJI~i~;r;'::;;:Mi~1\lim~.k:~!il:~;M'!;1'1':,r'.":-' 0920335 STATE OJ? \\lY'OMIN'G, ~.J :'.00619 CQWit)" ss: the förego:irtg irtstnuneiìtwâSaC~nQ\vJecJgedb~forelTleithis by ¡¿:. t!: L- C- t.¡ c... CA./vr;~ 'Î /1 c.¡ (VOOh My Commission Expires: (ð (~¡v:;x.:;j ~~, ilk N'õl:'I); f\i1ìlic f ' ' KAREN t WYUE' - NÒTAAY puauG'''~'1 . C~unty 0' State of ~ linco!n W )ling , \ ~~~~ß ~ -6(WYlyi)p~$1 @ ~.J. 1501 15 loW.is; Fò,m 3051 1101