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RECEIVED 11/212006 at 4:27 PM
RECEIVING # 924039
BOOK: 639 PAGE: 173
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
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DI!IIJN1TIONS
WonII UIed 111 muII¡pIe ICÇUOQ of' dill cIøI:uQIaat m: œtIDrid baIow aad od pr ¥IfdI m: cIc1Iuø4 111 Sceboos
3. 11. 13. 18. 2D ADd 21. Ccr aiJ¡ JUIeII'OpI'dIua Ibe ... of WOI1II UIed 111 ~ cIocIuœut m: aIIo proyjdccI
111 ScaIoo l(i"
(A) "Secur þo ~ø JIItØ IþiI dQcua¡eat. wbId1 jJ dated
ro,eatc wlihtli Iijdcn ID Jb ¡ cIooImIeø.
(8) ............ If
llicbael ~d JIa1.1 ~
~d ~ -'11, IIuhaDd 6 WLt.
Oc~ 318t, 2006
Bonower jJ tile 1IIOrtI1I8Œ'1IIIdcr dill Secmuy Iœtrumcu.
(C) "UERS" jJ Iofortpae tiIecuuuù: ~ SyIfea,IDc.1oœI1S Ulle III'IfC cor:porat¡on !bat is IDtID&
IOIdy U I DIIIDIDDc for LaIdcr ADd IaIdI:r'. .............. aDd 1UJIm. IrŒis III tile IIIIII'tpaee ÎIÍiÖer this
ÎkurIty ~ ~ ill aIJ IIIIzed aDd CIIIIúu& UDdc:r Ibc IaWl of Delaware, aod baa an addrau and
~ --- olP.O. Box 2026, PIùtt, WI ~l-2026,Id. (881) 679-NERS
WYQMIM¡ ..... -1'MoIIr- ....... IIMIFt. .. .... LINIRMIII INaTRUIIIINT WITH.... ....., 1101
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000174
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(I) ........ II "un IIO&DOIr 110IIII LOU' COUQU.'nOII'
Leader. a co~ncœ
CI1"p1I1IICd I!Id IlllÍlttlllIIIIder tile .... of ftIi ftAft 01' JWIB&B
Lcadc:r'uddn.iI .000 JIo~:b_ "'1", ~, 1'_ 750n
qt) ~It ~ tIIe)ll'OllllllOl'y IIOtC IIpcd by Borrower __ dIIfIICI Octotlu 3bt, 200f
TIIp Nof.o IIIIea tbat {kmowr - f.a1dcr
1'ftO JlUJlDUD Man nva ~1JDD " 00/100 DøUara
(U.S. S U 7,000.00 ) pIua ~ Bonower IIaI pI'IIIIQed 10 pay ibis debt In ¡quIar PeriodIc
PaYlDlllllaDd ID pay 1tIe dcbt In fiIIl.\lOt Iaœr diu mvDUa 1, 203 &
(II') "Property" mtaIII tile property ~ IS dcIcribcd below 1IIIdctt tile headiJIa "Truafar of RJabta In tile
Property "
(G) "La8n. IIIOIDI tile debt evIdeœed by tile H_, pIua ~ q pn:paymat cbarøa and _ c:hqea
due UDder tile NOIe, and aIlll1lDl due 1jPdr:r ibis Secmity IDItruøIeut. pIua mterat
(H) ~ DabI all RIden ID ibis Secunty IDItrumeø !bat arc c::rccuted by Boaower. The IbIIøwIna
Ridc;rI arc ID 110 CIDI:UIIId by Boøower ~ 1m: . ~J
§ Ad IIIIIbIe RIle JUdec § ("~1ØI Rkb ~ Sccoad Bœic Rilla
8aUoon ItJder PIaDQed UDIt Dm:Iopme..t ~ 1... PImIly iJdao
VA Jtider Biweekly ~ IUdar Otbcr(a) (IpedfyJ
(I) lt~ppII-bIe Ww" IIIeaDI 111 CUIIIIoIIma IppbcabIe œdcnI, IIIte aDd local 1Ia!uIcI, IIII\IIIöoDI,
~ aDd admiIùtrIttve ruIef aDd unkn (tbat bave tile otIicct of law) .. wen II all applicable filial,
1IDIl~1.~ judicial opmIOD&
(J) '~'m4Ð' ,4.."..w1qp J)ues. ..... IIIId ." .......... DICIIII all cIuet, fra, ..~-,tJt1 and O!bet
cbar)cI IbaI arc iII/poIed on Borrower or dill ~ by a 11nntInoninill"l V""'¡.'vm bomcowœn
"""'¡ofinn or ~ arpoiIIIIm1
(IQ ~ FIIndI TrIDIfer" DlCllllIII)' IrUIIfar of 1imdI, oIber diu a truIaI:tioa III1¡JDMed by cbeck,
draft. or ... pape:r ~ w1id1 II IIIIöaIed Ibrou.fh aD dcI:troaic 1CIDIiDaI., Idcpbomc ~
CIIIJIPUIar. or DII8DeÖC IIpC so .. 10 order, iDIInIct. or IIIIIioriac a &m:iaI1DItIIuDon to debit or crecbt an
IICaIUIt Sue ¡ Imm mcIucIeI, but is aoc 1IDùIed 10, poùIt-Gf-alo 1rIDIfen. autamaIe I teIJeI' JIIII:b!Po
1rIDIacIiœI, IlIIIIIi:n mItiaacd by taIepþaae, 1N'C tœdrn, aDd auIœIa&e4 cIeanøpøua IrIfJaIm
(1.) ,.,.. ....... ~ Iboec ID:IDI JbIt are cb:dbed in Secüœ 3
(M) ~ ~ DICIIII any ~I)p. ....,.~. award of damaaa, or pruçeeda paid by
III)' tbitd JIIrt)' (oilier Iban iDIunIII:c pI1ICCIIIdI ~ WIlIer !be CIJI¥IIfIIeI dcIa1bcd In Sect on 5) fUr (i)
~ to, or d&IItnJc:qœ of, tile .Prqpcriy; (ii) ~hI or odIcc Ia I::uJa of all or my part fit Ibc Pn¡pany,
010 ~ In lieu at """"-~. or (iv) 1IIiIo'1'"_.I..t.... of. or IIIIIiIIiøaI II 10. I Je value u410r
DQIIdIQœ at tile fropcrty
(I'f) ~ ~. JDaIDI ÎIIIIInIIœ pnIIIX:ÙIIJ Leader .. tile IIOIIpayIDt:IIt of, Of 4cfau1t 'I I. die
l4-n
(Q) æ· PaJmeat" .-' IbI ffCIIIariy ~ IDIPIIIá due fpr (1) priŒIpI1 and UItcreIt UDder !be
N., ~ Il1IOIII$ IIIIdec SecÞoD 3 of Ibu IIIIIrumi:á
(II) 04" I llllDllIbe JIea &we SeuIcøIcu( =:: Act 02 V.S.C. Section 2601 . ieq.) ID4 111
~III JIIØIdation. RquIaaøn X (24 c.f'.R.hn 3S00), II !boy IfIIIbt be ameødcd ~ ~ to 1 Uc,
or ID}" addiIIaoa1 or IIICa:aIar IoJiIIaDœ or JqD/aI on tbat IOYCIt1II Iho ... IUbJCCt ~. AI uacd In ibis
SoI;urUy .IIIItruIœat, "RBSPA" .... 10 all I'IIqIIireIIIcI III! ~ \¡at arc jqpIIcd III rcprd 10 a
"ildetaD.y rdIred ~ Joan" 1MI11f tile LoID dœa .\lOt quaI1fy AI a "1bdcaUy iè1IIcd IIIOrtpp Joan"
1IIIIIar iBSPA
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(Q) "Su&:a.or Jø ...... rllIorrcrMr" JDCIIII Illy JIIltY IbIt 11M IIIœu Iide to die Property, wbetbDr or œ¡
.. party 11M IIIUQIIId JIorrowa", øhII~ 1IIIIcr' !be NotellldfOl" Ibis Sceunty IJIatrum&u
TRANSFBR OP RIGHTS IN THE fROrBRTY
~ ~ ~ ICQIJCa 110 Lœdcr: (l) !be MpI}'IDœt 01 Cbc Lam¡, aDd all rcœwaII, CØIIIIiaDI IIId
I'BnItJfIr~ of !be JiGIo, IDd (ll) Ibc per10rmucc of Bonvwa-', OIJ¥IIIIIDII IDd ~ IIDdc:r Ibis
Becunty -- IDd !be HOle. Fqr dill p IlpOIe, Bonvwer doeIlII:reby JIIOIt&IF, ¡œJI aDd CODVCY
to MBRS CIaIeIy II IIIJIIIIDeC tor L !adar aQd l.aJder', IIICCIIIOrI IDd IIIÍ¡III) IDd 10 the I1.IIXaIon
IDd IIIIID' of MBRS. with JIIIWa' of 1I1e, die foIJoW1ll4l cIoIcr!bed prpperty located
m!be Cotm1¡y of L.t.DcolA
Il'neat.......JIIrÌIIÜIIIIøII ~at~J~1
1m' J OJ' CIIpU CUU IIAIICIIU IImÐXVIUo.-, LDICOLII
aJUftI', ~, &II D"c:a~ 011 ~ OnxCUL PItAT
1IfoKD 011 ~ 1, U" AIJ ~.'1'k......-&' 110. SOOtS)
Qr 'øm UCDJq)' QW TJq LDICOLII ~ ~.
Pan:d m H1IIIIber CouDty, lj1-Hl,-Oli-4-01-003.00 Cit}', wJ¡içhcum:otly 11M the ~ of
127 Cot~ Court [$Inot
fiIa)'Jae fCir) , WJOIIIUIi 83~7 /711 Codc
("PrqIcrty Addrea")
1'OGB'I'HBR WJTH an die Implo¥tIIIIIIII IIOW or hereaftt:r em:taI OIl !be property, IDd aU CIIIItIIICItI,
~ aDd fimJrea IIDW or lMnafter a pert of !be ~. AD 1"'IpI~ IIId addItioua abaIJ also
be c:overod by dua ScaJrity IøItIuoJem. AD of Ihe ÍOI'OJOIIII iI rd:md 110 III Ibis Socunty IDaIl'WDcl1t II die
.~ . Bartowr IIIIIIenIudI ud fIJWI IbIt MERS hokII œ1y !ep11ide to the ~fI ¡rBIIIed by
~ ID Ibis Ba:aruy ~ bq¡, #t --.ary III CGIIIpty wùb law III' ÇUItQm, MI!RS (as JIQIIIIIICC 1br
l.aJder aDd l.aJder', IUI:C:aIIQn IIId uaIpI) h111be n,bt: 110 ~ 111)' or all of dIIIIc iDlen=llI, iœåJdw ¡,
bile DOt JImUed to. !be nIÞt to ~ aDd 1dl1he' Property; IDd 110 IaIœ 111)' IaIOD required of l4Ddcr
iDcIuduIa. but DOt làDiIec 10. œIeuq IIId CICICdm¡ I1ua Security fuIa1IDICIIt
BORROWBR CDyBNANTs ... ~ II ~wfuI1y .... of tile IIIIIIII hereby CODveyed mil h II
Ihe riøbt to 1IIOI'q I c, f'aø aDd ~)' Ihe I'rDperfy IIId IbIt !be PnIpert;y II u""""n">bered. ucept f Ir
~ of ~. Jarrowa- WIQDI¡ IDd will defcod JCIIInIly die IttJo Ù\ the Prop:rty IpÌIII1 all
c.lalJl!llIId cbIwIdI, IIIbjcçt lID III)' ~ of recon1
THIS SBCUJUITY INSTRUMBNT c:ombiœa IDIÍfQlm OO9CIIIIIØ fur padoQal VIe IIDd IIQII-UIIUi:\mJ
~ wiIh IimIrcd VariIIIoDI by JI1DICÜcIIœ lID COIIII1tuœ a ~ ~ jIIIInJma¡t ~ ftII\l
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\JJIUIIOIlM COVENANTs. Bonower a I..aIda- CIMII8IIt IIId ape.. iIUoø
1. ....... 111 PrincIp8I. ..... BIcrow .... ~.-& a.r.-. ... LIIte aaq..
Bormww IbaI1 pay __ duo die p'iQcípIl of. IDd UIterCSt on. Ibe debt evId.oœd by die HOle IDd aqy
pœpaymllllt cbarp IDd laic c:.bIrpI due UDder die HOle. Borrowm- IbaIl also pay funds I:Ir 1!Icrow IIana
JIUlIIIaDIIo SccIion 3. Plt.1JIICIIII due UDder Ibo HOle IIId ibis Scc:unty ~ IbaI1 be mIde 10 U.S
CIIrI1:œy. Hcnmoer. if lID)' dIcdr. or IIIœc ~ ncavcd by LoDdc:r.. paymcm WIlIer ItIc Note or dIiI
Scc:uruy Jnmumeat II ØC/IlDIId to I..aIda- 1IIIpIid. l.codtz may rcquirc dIIt aqy or aU f\'~ paymeru
due uadar &be No e IDd thu Security .IDaInImcΠbe IIIIIde in ODe III' man: of tile JDiIowma i:IImI. .. IC/.cQcd
by UDder: (a) ÇMb; (b) mooey order; (c) CCI'UW dIec:k. baJ¡k dIå. 1RIIurer', dIcdr. III' ¡:u ¡¡or', çbcçk,.
pmvidod aqy mc:h ~ III dIawu upon III iDattution wbaIe depaIIts are Uwured by a federal apøçy,
~. or CIIIity; or (d) BIcaroaic PwIda TIaaår:r.
Pa)DIeIIII are deemed leI:CI¥Cd by Le:adcr whco rrœi1ed It die location ~ in !be Nate ... It
auch oIber Ioc:abœ.. may be ~ by ÙIDdI:II" 10 ~ wiIh Ibc JIIItiI:!t pro¥iliolll ill ~ IS
Lœdcr may rccum lilY IIymeat or panIal p&yIDCU if Ibc paJlDCllt or panIal paymau arc iDIIJffiçIen III brma
die L4III curreac. ~ may IICOIIPt aqy ~ or panIal pa)'SllOllt inanfIVoj-.p' '" briua die LoIII1 CIII1'IIDt.
wbbDut WIIYar of III)' n,bI¡ bmuuder ... pI'eJIId1Ce CO 1t¡ ngbIs 10 zefuae IUd1 pi'" or ~ ill
Ibc fuIure, Þut leDdar II DOt obbpIaI to apply IUCb JIIIYØICØIIt die Ii.!IIe IUd1 paymeru arc . It cacb
I'IIr oIœ Pay¡Dllllt III applied II of US àpduIed due dale, Iben l.eade:r Dc:CcI DOt ~y ÙIICI'eIII ~ IIJIIIPPIied
ÍUIIdII. l.eade:r may hold IUCh 1IIIIIp IIicd AIIIIIa \IIIIÜ Borco_ illites pa)'lllellt to briDa Ibe Loan currœt. If
IIorroww doaI DOt do ao wiIhiQ a -we pcaod of tøac. Lcøder IbaJlIIiIIIer Ipply auch Amda or rccum
Ibcm to Bonower. If DOt appbcd cadic:r.1Ix:h fuoda will ~ applied to Ibe --", prIŒIpa1 ba I Œe WIIIcr
die Hole ..........t·,trty pnar 10 JincIœure. No oðict ... claim which Borro__ IIIJIbt have DOW ... in !be
fuIure IpiIIIt l.eade:r IbaI1 IeÜeYe Borrower !rum mafaDa JIIìPIIICIÚ due UDder die HOCC IIId dIiI Security
IDatnImcat or ~ die ~ _ ~ ICCUI'Cd by thu Security IDaInmIcat
z. ~~ (JI"""" or ProceedL Bzœpt .. CIIberwIIe desa1bcd in II1f4 Scc:tiœ 1. ~ paymeull
aca:pIDd a appIMId by Lcøder IbaI1 be IppIIat ÌR die ibIIo'trmI order of~: (a) iDfercat duo UDder die
Noll:; (b) prIŒIpa1 due UDder Ibe Note; (c) __ due UDder Sc:œon 3. Sud1 paymeru JþaJl be applied to
.. ~ ~ Ifllbe orda- ill which It bcauae due. Any RIIIIiIIìIIC IIIIOIIØII IbalI be apphed tint to
laic cbarpi. aeœod CO Illy oIber IIPOUIII I due IIIIdcr thu Secunty btrumaIt. IIId ¡Þa¡ 10 reduce the prtDc;ipII1
baIaDœ of the Noœ
Jf l.eader I1ICCIVa . JIVIIIID from JIarrow!:r fur . dI:IiDqaeut Pcnocbc I'aymcut which jDdudca .
IIIlIIaeDt IIIDGUIII III pay any laic åIarp due, Ibc paymcà may be IIppIiod to die dcIIDqueot J lyDIQIt IIId Iþe
laic c:barp. If more dIIII aœ PedodIç IVDIaIt II "'-~. leader DIal., any paymcu rccdftd frQm
Borrower to die ~ of die PenodIc ~ if. ~ to die CIIaIt Ibat. cadi JIIYDICIII ÇIJ be JIIi4 10
filii To die CIIaIt .. aqy uœaa ClllII d8r die ~ . IppÜod to die 6111 PlYJIICDI of OIIC or more
PmodJc PlfJlllCl*. .. aœa may be applied to It1y laic cbarøea duo Vobøary ~ abaU be
~ ftJIt II any prq1Iymcu cbarp aad Ihm.. desI:rlbcd ill die NOIe
Any WI'~ of PQIDCDII, IDamIIIœ proœeda, or ~í""'¡l.tteO\ Proeeeda tø]lI'il1apal due WIder the
Nocc abaIlDOt c:úaId or JIOIIpOIIe die duo date. or dwIp die IIIIOIIDt, at lie JIa:jod¡c~.
3. Fuada for ...., ~ Borrower IbaU pl;)lto lcDdec lID Ibc day Perm IIc Plt.ymcDII arc due ¡qIer
die Note. mil Ibc Noœ II paid ill 1UIl. . IUID (d¡o "PuIIIÞ") to proyide fur JII1D:ICŒ of IIIIIIJqIiI due iJr: (a)
tua IUd -..... IIId oIber III:mI wbk:b ÇIJ IIIIiD pooruy QveI' dill Sec:urùy IDauumeut .. a ha1 I£
~ œ Ibc PnIpcny; (b) JeaICIboId payrJIIIID or ¡rouud ~ lID die ~, if~; (c) ~
tor q ao4 aU DIIIIJI'UQ ~ by Leader WIIIor Secöou S¡ IIId (d) Norrpp 1zIaw:ua pnmI\IIiII, if ~Y.
III' ~ I IIIJII payaþIe !If .BomJwar Co I..eIIdet 10 lieu of die IIJJJICIII of Mortp¡c 1aauraIK;e praDillQlllo
II:COI~ wItb Ibc JIIV\'IIiCIDI of ScAiœ 10. 'I1ae IIcIIIa arc I:I1Icd "BaI:row ItaQa " At 0C'i ¡IDati0D or It II!ll
~ urq Ibc taap. of Ibo LoID. Uader II».)' ~ Ibat Cœmunïty A.-¡ofu>Q Dues, fIce¡, P
..._-~. ifaIlJ, be eacrowed by Borrower,IIId auch duea." a "'-orn.o:m IbalI be an &crow lJan
.Bonow. ibaU JIRIIIIPdy AinIiIh to Lcøder all DOIII:ca at...... to III: paid uadcr dI1I Sc:caœ. Bonowcr
abaU pay I..cader Ibc FuødI for IIac:mw Jaema uaIeu I..eIIdet WIi¥eI Bonowcr', obbption to pay die Puoda
iIr any or all &c:mw bema. LeIIder may watYe Borrower', obIIpIioD to PII.Y Co l.IIIIder Furå fur lilY or all
Bac.qrw Jaema It 1lll1imD. Any IIIå1 --- may ooIy be 10 WÓIiII&. In Ibc ØYeIII of IIICh WIlYC!'. BoIrowcc
IbalIpay cIIœct1J. wta and wbcrc payable. Ibc IIDOIIIIII due fur any B$cmw IIana fur wbich PlYIIIIIIII of
411t~ IIaIII .QI
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fuDd& has bccD WI1vcd by Le.udcr aud, jf I..cra:b" rcqu1RI, IIbal1 JIIndIb to laIdcr rc:ctAptI CYÏdelX:mlIIICh
pa}'IDellt wiIhIn IIICb lime periOd as LcrIdcr may œquire. ~. obbpöœ to malr.c IIICb paymeua aDd
ÌI provide rece¡pIIlbaIl fur all purpoICI be dcemc:d III be . CD-.ut IDd ~ CIOIIfaiœd in IhiI Security
IIIcrumaIt. as !be pInac "coveDaIIt aDd qteCIIICDt" Jl1IICd In ScI:aaœ 9. If Borrower is ob1iptat 10 pay
&aow IœmI diœctly, purIUIIIt 10 . WI1vcr, aud 8arroM:c fIi1I to pay die IIIIØUDt due fbr an I!acrow _.
lœdcr may excraae ill n,bI.s IIIIder Seaiœ 9 aud pay IUd1 AIDDIIIIt aud Borrower IbalI !lien be obhplec\
WIder SecUon 9 to repay 10 Leødcr any IIICb AIJIØIØ. LœIder may revoke die _vcr II 10 any or alIBIerow
.... It any lime by a IIOIIée at- ill ICCOldanœ willi ScctIoÐ. is aDd, upon IUd1 revocation, 8arroM:c IbaII
pay to lœdcr all JIuDdI, aud iIllllå1 AIDØWIII.lba1uc IbCD required WIder dIis Secöœ 3
lœdcr may. at any lime, eoUect aDd hold !\mds In an IDIOUIIt (a) I1Iffideu to pcmut Le:udcr 10 apply
die Fuuda at die lime apedfied IIIIdcr RBSPA, aDd (b) IXIt to c:xœed the JIIUIJDIJm aDIOWI1 a Imler can
reqwe IIIIIIer RBSPA Lrmder IbalI 0IIIIDatI: die IØIIIIØ of FuIIIII duo em the buia of CUDaIt data IIId
~ CIIIIIIIICI of cøpeDd1Imr:I of fIUII.re BIcrow IœmI or odJerwIIe In IICCOt'IIaIx:e with App1u:abIc Law
1be FuudlIbaII be beJd In an ÚIItIIUIiOI1 whole dqxJù uc 1IIIWId by . faIelalaøcœy, iDIIrumcuIaI1ty,
or eaItty (uIcIudIJ¡J Leader, If Leader UIII1 UIIIitutiœ whole døpoàIa uc 10 iDIIIrcd) or In III1Y FcdcrIIl Heme
1.oan BaIlIe Leader IbalI apply the FImdI 10 pay die IIIcrow IIIIImII DO Iaœr Ihan die lime apecificd UDder
RESPA U:adcr IbaIl DOt cbarøe Borrower Ibr IIoIdm& aud IppiyuI& !be Fwxb. lIIIIIII1Iy UIIIYzìD& Ibc
CIIClOW ØOWIt, or verifyq die &crow Jœma, œIcu Leader JII)'I Borrower IDIcrcat em die FuIIda aDd
AppIabIc Law panuiII Lcudcr III IIIaIr.c IIII:b . dIIr¡e. UDIcA 1111 8 rerIDeIIt is made In wriIID¡ or AppW:abIc
Law R1q111J'C11Dtareat to be paid em !be FuDda. laIdcr IbalI DOt be required to pay Borrower aoy IIIta1:It or
CIIJIiDp OIl Ibc 1'ImdI. Borrower IIIId Lcudcr can qJœ m wrIIUI&.lIowevcr. that 1DtereIt IIIalI be paid on die
FJmd¡. U:adcr IbalIl1ve to Borrower, witbout cbar¡c. ID IIIIWIl ~ of !be F\md¡ II reqwred by
RESPA
H 1Iae 1.1 a NpÙII of FIIDds held m escrow. .. dI:firJcd IIIIdcr RESPA,. Lcudcr IbalI aa:oant 10
~ for Ibc -=- iIIIIda InIeCiClRlaDa: willi JlBSPA. If Ibcre JI a IbŒIa¡c of Fwxb bdd 111 escrow, ..
cIdœd IIIIdcr RBSPA, laIdcr IbaIlIIIIIify Bomnia- .. roqwred by RESPA,. IDd Bonower IbalI pay to
Leødcr the IIIIOIIŒ IIIICCIIIl)' 10 IIIÙC up !be rbortqo 111 aa:ordaœc with RESPA. but 111110 more diaD 12
lIIOIibIy paymaJII. If Ibcre 1.1 a deßcioqcy of FaøIa bdd m _." dcfiuad IIIIdcr RESPA, Leader IbalI
DOIify ~ .. ftq\IInd by RESPA,. aud Borrower IbaIl pay to I..cab- Ibc _ IICCCIW'y to make up
die cIcfidcDcy in IICCGI'dIDI:e with RBSP A. but 111 DO more tbaD 12 JIIOIIIhly pa)'ll1Cllll
Upon paylllelll m lull of alIlUIDI IIICIInId by dIis Sctunty lDItrumeot. lœdcr IbalI pn¡mpdy refund 10
Bonuwu any FuDdlhdd by Lender
.. ~ u... B~ IbaIl pay all JaJra, -........... cIIarøaI, flDaI, aad ill1p""lhO'>l
ISIributabIo to die Prapcrty To'hIdl can aIIaiD pI101'Ity over Ibis Security btnøneut. IcaacboId jIIyIIICDII or
J11IWId mD OIl die Pmperty, If IDY. aud Comøumity .Aunr,alt"l' Duea. Pea,aud .A~,1f aoy. To !be
CIICIIt 1bat Ibac iIaDI are BIaow -., :Banowcr IbaIl pay !him in !be IDIIIœl pI'DYJded m ScctIœ 3.
Barmwer IbaIl prompdy cbscbarp any hill wbich bas pnomy ewer 1biI Securuy IDI~ 1IDieu
Bonower: 00 apeca 111 wrltIDø to !be paymalt of Ihc obIipöon IeaiICd by !be lien in a IDIDIICI" acceptIbIc 10
Leudcr, but cm¡y 10 Iooø .. Borrower is pri:Irmma IIIdt qreaDI!IIt; (b) çOQIIeaþ Ibc lien 111 JOOd jj¡j ¡ by, 01'
defruIIlpUIIt CIIton:aDaIt of Ibe lien In, Iqal proœcdiop wbidI m Leudcr'. opmum operate to prc¥cot die
t:DIbao....d oIlbe hen wbi1e thole ~ arll pendJJIa, !Jut only 1IIItil1lldt ~ &rCI caøc!uded¡
or (c) IeCIIIeI fnm die bolder of die Jim¡ 111 .-- IIti.IfIIcå1ry III LeøIer IUbordmaIi.D¡ Ihc lien 10 Ibis
Security 1IIIIrumaU. It LeIIdc:r deIam1œa dIIt ID,y part of die Property is subject to a 1icn whId1 can ItIaiA
pnoruy over tbIa Secunty IDItrumrtt, Lcuder may IIYC Borrower a DOtIœ idcuIIfyiJ¡¡ Ibc hen. WiIbIn 10
Gt~ ........
.........16
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000178
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days of die ... 011 1IbId1 that IIOtiCe II 11-. ~ ÙIIIlIIItiIfy !be him or IIIIœ ODe or _ of !be
ICIiøIII lit ixth abcMt J¡ dill ScctIœ 4
Lcødcr ~ raquire Borrower III pay . oœ-ämc dIarp iIr . real CIIIIe laX ftri1!catJoø aodIor IqIIIrtw&
IeI'YIœ 1IICd by l.eader ìD cnnnectioD wIIh dill Lou.
5. ~ L.nace. Banvwa- àII bcp !be DIIpou""""" !lOW CIOIWI& or bc:rea1ter ereaed on !be
Property imun:cI apIDIt loa by fire. haunIa ìDrJuded widIU1 !be leon "c:IICCIIdad coverqe," IIId any odJer
baardllIICJudq, but DOt IimUed 10, IIIIItbquaI¡ca aod 1IoodI, Jbr which Lcødcr rcqwrea ÌIIIIIlIDCC 'I1uI
tIIIuraDI:c Iba11 be -¡-'nee! in Ib: IIIIOUIiI (iIx:Iudiua cIeducIibIe 1ewØ) IDd Jbr Ib: periods tbat Leader
f1 QUiæI WhIt Leader n:quira jIIIJ'IUIIIt 10 !be ~ IeØeIIœI can dIqe cIIIr1q !be rezm of tbe Loan
The IœmIDI:c carner provId1uø Ibc tI8InID;e IlIaD be cboIa1 by Boøowcz- IIIbjcct 10 Leudcr', rl¡bt 110
clialHnve BclrIvwcrs cbaacc. which ri&bt åaI1 DOt be CIICRIICd UIII'CIIIOIIIbIy Lcuder may lIII Ilin:
Bonowv 10 pay, ìD CßII"""tIon with IbiI Lou.. ciIbcr: (I) . œc-tuDc dwp Iòr flood mœ lImnnI....üoa.
œnIIcaÞon IDd ~ 1rniccI; or (b) . oœ-ämc dIarp for flood mœ dcœnnIuatIon IDd œni&aIion
scmœa IDd ~ cbarp CIICh lImO ~ or IIIIIiIar cbaDøea occur which re&lOIIably mìøbt
afiec( IIICb cIc:IaruunIüon or CCI1iftcadon. Borrower Iba11 aIIo be æapoœIbIe for the payment of any fees
ØIIpOICd by die FcdcaI ~ u............. Afpœy ìD t""'IeCtiOn willi tbe review of any flood _
decc:rmìaIaon 1'eIIÙtIIII fnman objectJœ by Boaowa-
If Bonvwer fatIa III maìDIam any of the co¥lDp dcKdbcd above. l.I:Ddcc may obIaIn IDSIIrIIIœ
1:iIIWIqe. at Lc:oder". optIOII IIId Boaowa-'. ~ Lcødcr is 1IIIIIer DO obIiptioo 10 pu:n:åuc IIDJ
PI1'UaIIar type or mIOUIà of coverqe 'l':banIIIrc, IIICb covera,o IbaU COYer l.a:Idcr, but DIJI bt or mi¡bt DOt
pIDtIIct Borrower,IIormwer', cquiq ìD die Prapany. or !be COIDID of Ibc Propeny, apiJIIt ~_hazard
or ~ IDd IIIIIht proride IRØr or Jailer c::uvenp dum WII previously ìD e&ct :øorro-r
~ that tbe I1DISt of die UIIUI'aIICe ~ 10 obIaiJIDd IIIiøbt .ipifi....l'1tIy CIXCècd Ibc COlt of
!IIIIIrII1IcC Ibat IarJowcr could have obtaiucd. Jmy IIIIOUIiI dIsbuacd by LaIdec UDder IhiJ Section S ahaIl
became addIIIøIIal dIbt of Borrower IeCIIRId by IbiI Secunty JIJItnImcmt 1bac IIIIOWIII IhaI1 bear 1DIcrcIt at
die Hole raIIe fnm die date of ~ lOll IhaI1 be payable. widilllCh llllere¡t. upon IIOtiCe ÛOOl Lender
10 JIorroer RIq\IeIIIII¡ paymeø
All IIII\IrmJe pobcIca ftICJIIIRd by Leader IDd IaIOWIlI of IIICh jIObcIea Iha1I be IIIbjcct 10 ÙIJdcr',
n¡bI 10 cIIupproyc IIICb pobaca, IbaU mcIude . IIaDdanI mortøIIc c:1auIIe, IDd Iba11 DIllIe Lcødcr .
IIIIIrtp¡ee aodIor . an addi1IDDaI loa payee. Leader abaIl have die n,bt 10 hold die pobcia IDd JaICWIl
c:erIIficatcI. If I..oad« ~, Borrowm- IbaU pI'ODIpdy live 110 LcIIder aIll'eœIptS of paid prcmituo¡ and
J1IIIeWIIIIIIIiœa. If Borrower obIatuI any iIrm of iœuraDœ cownøc. DOt acbcrwe ICqII1œd by Lcodcr, for
cIImIae 10, or deattucüœ of, the Property, IIICb poIwy 1ha1l1DCludc . ItaDdard IIIOrtp¡c dauIe IDd Iba1I
- Loader .IIIIII1II&= aodIor . an addttioDal Jou payee
Ja die eveD£ of lou, Borrower IbaI1 JiVe proIDpt IIOIICe 110 die IDIurance c:arriet aDd ÙÐdII". LcIIder may
make proof of loll If DOt iIIade prIIDpIly by Borrower UDIca 1.cIIder &lid Borrower 0Iberwiac aar= ID
writma,any IIIIIII'IDI:I: proc:eeds, ~ or DOt die IlllderiYlQJ DIIrIDCC WI5 n:quIœd by Lcødcr, IhaI1 be
appbed 110 IQ/Inöoa or Iq1Iir of die Property. If die RSIOIIÞon or Iq1Iir is CI'.nnnm.....11y œuIbIe &lid
LaIdcr'. IICIIDq II DOt 1eaIeœd. DunD¡ IIICb repair IIIIIt rarontIoQ periOd, 1.cIIder ÙIIIl have die n,bt 10
bold IIICb IDIIInIIICII proceeds WItiI :Loader baa had an oppørtuDity 10 IIIIpect IUd¡ Property 10 CIIIUle die work
has bcea COIIIpkúd 10 ú:Dder', utloFbon. PJOridcd Ihat IIICb ÙIIpeCtIaQ Iha1l be UDdenakcn prœ¡ptly
I.eodct'may dlaburae proéerds tbr 1be œpalrllIII4 1'CIIOnII1OD In a IIJIøIe paymt:llt or in . ICI1CI of JIIO¡rœa
pa~ · 1be WIXit is c:œ¡pIaat f.JuaI an 8IœIIDaU II ØIIdc m writiD ¡ or AppbQhJe uw requircI
IIIII:I'eR III be pUi 011 wdIlIII1IrIIIIœ proéerds. U:adar IbaIl DOt be œquired 10 pay Borrower Illy ÙIII:RSt or
eanIiqI on IUCh pruό. Fa:I iIr pubbc ~. or ob:r durd pana, raaiDed by IIor:rower IhaI1 DOt be
paid out of die IIIIuœIœ proceeds IDd Iha1l be die .. obIJpöoq of Borrower. If tbe 1'eIInrabon Œ rqIIIr II
DOt tlmnnnlil'Jally leaIibIe or I.c::udec'. &eCIII1ty wwId be Jeaeoed, die iDIuraDce proœeds ahaII be appIiod 10
4IIt 4A(WY) IIDIII "
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the IUIDI aa:ared by Ibis SewDty IDIIrumeø, whaber III' DOt !beD due, wbh tbc exœu, if &11)', paid to
BomIwa'. Such iIIIurIøœ proceeds IbalI. be IpJIbed ID !be order proWled for ID SecIIon 2
If Borrower abaodoIII die Prapen¡y,leIIdcr DIQ file, DII pIIÍIIIII mllCUIc any a~ IDIuIaDœ cIaun
aDd rda/ICd 1IIIIIa'I. If Bormwa- doeslllK rapœd wiIbIn 30 days to a IIOCiCt frœ¡ Leuder Iba1 tbe ÙIIW1IIIœ
aarn::r ~ ~ to .. a ~ IbcD Lc:adcr _y JICIIICI* aud ICIdc ~ daIq¡ Tbc 3G-qay pc:rIOd will
Iqip 1IIt IIII IbI: IIDIIœ is liyen ]a dtber CWIIt, or if Lcodcr acquIœa tbe Prapen¡y UDder SectIoo 22. III'
ocIIe:nnIe. Borrower hanlby aa pa to laIdcr (a) Borrower'. npa to any IIIIUlaIICO procœds in an IIIIOWIt
DOt 10 cœcec1 tbc ~ wpId IIIIdc:r tbe Nate or!bil Scœuy 1DIttumcDt, IDd (b) IJ¡)' other of Borrowec's
n¡hts (otbcr !ban d¡e . to ~ mtimd of aœamed praJII1IIDS paid by Borrower) I1Ddtc all WuruIce
poliaa COYcrin¡ tbe Pmparty, iqIofar llauch Ii&bD are appbcIbIe to die coverap of die Propaty. l.c:IIder
may IIIC Ibe IIIIUlaIICO proœcda aidJcr to rrpIII' III' I'CI1DR: die Property III' to pay &DJO IIIII IDIpIId UDder the
Nate or dIja ScaInq 1IIsuuaIeat. wbedIcr or DOt thcI1 due.
6. Oc:cup-=J. Borrowa-1balI. occupy, CICabUIh, aDd 1IIe the ~ II Bcnrowec'. pmICipa1 œsIdeuce
wiIhin 60 days atlel the ~ of !biI SeaIrity IIIIInIrœá aDd Iba11 COIIÞI:mC to DCCUpf the Property II
BoI1'01llCr', pI1IICIpIIll'Clideuœ h at least OIIC year atIc:r 1be date of occupauc" unIcu Lcœcr odIcrwIse
aaœea ID WJ'ÙIII&, wb cI¡ COIIIeIt IbaI1 DOt be lmØ:IIIOIIIbIy wJIhbcId. or unIeø ~"I'Í'" draunatancel
QIIt wIdçh Il1'O beyoad 1Iorrower'. coørol
1. r. --...... r.&\............ .... "......... vi die I'roper1r, 1......,_, Bofrowec IbaI1 DOt
dcatroy, damaae or JmpaIr 1be Prq¡cny, allow 1be PrqJcrIy to dcIcriorate or cœuuu Wllte on be Property
Whether or DOt Boaower II reaidI.D& in Ibe Propaty, JiorroMr' IbaU maiD&un 1be ~ ID DRIer to pnlYeIIt
!be Pro¡Jarty from ~ or cIoc:œaama m value due to ill 00IIIIiD0n UnIcsa it II dctcnniDcd IIII'IUIIIt to
SecIion S !bat ft:I 8II" or ratøratioD ÙlIIOt ~.....lly feaaibIe, ~ ~ prompdy repair 1be. Propeny if
cIImqcd I¡I ayold ftn1ber ~ or damap If 1IIIUIaIICe or ~...tlnn ~ are paid in
""""OCti04l with dIIDaac to, or 1be IaIàuc of. 1be Property, Bomnrer aba1l be ~ for tCJIIÚUII or
r'CIIIDDDI die Propeny ooIy if leIIdcr hu JeII:ucd proceeds for auch JII1'pOIC8. LenIk:r JI1&Y diabune proœcda
lor !be fqIIIJI U d ~ in a IiII,ØIe pa)'IDCU or in a _ of prosreu pa)'tIICQ/I II !be work II
t1OIIIpictcd. If Ibo I!IIuœIcc or mnd.wnnsrinn proceeds are DOt IUtIIacøt 10 repair Of RIIkn die Property,
Borrowz is JIIIt rdicsved 'Of:BorIuwec", obIipàon iIr die ~ of IIICb repair or raIOI'IIIoII
Lcodcr or Ita qat may make reaIaDIbIc eoIriea 1IpOD aDd iIIIpocI:IoDa of Þ; Property, If 11 hu
~ cauae. ÙIIdI!r may IIIIpCCt Ibo iDtcrior of tbc UUproWlllal/l œ !be Prope:ny. ÙIIdI!r 1baI11í~
Bonuwcr ~ at the lime of øt pcJar to 111d11II1DIIIrtor IDçcaIOD IpeI:Uytoa auch æuouabIe cause.
1.1Iorrntr'. Lo8II ÅppIIaItIøG. ~ IbaI1 be ID ddau1t if, c:Iur1II& the Loan app1Icatiœ process,
Borrower Of any pc:rJOIII or IUÍllClIdiIrC at tbe dUoçøœ of ~ or wIIh ~', IaJowù:4øe or
~ pve lIIIICIiaIly 1àIae, mi.Lo.uII'Ij, or IDaa:uratc tnlnrmAh"'l or ItIIaDeUI to J.eoder (or failed to
provide ÙIIdI!r wIJb ~ InfnnnAhlv¡) JI1 ........-tn¡ wiIh cbe .lAIIø. Na1eria11"Cpl1IMDÞIû() ll ~, but
are DOt limited to, ~nrur ..~'W JIonower', 0taIpI1QI;)' aI tbc Propeny . BoaoWCf'. principal
roaIdeø:e
,. I\~ II Lmder'. Jutereat In tile Property III1d RI¡bta Uader ... SecuI1Y IDatnmet. If
00 Borrowar flillro ~ Ibe COYeIIIIIIIIDd ~ COIIIIUII:d in tbiI Secur1ty ~ (b) tbere ÙI
a Icpl pnx:eed D¡ CbIf mI¡bt Illpiflto..'1dy &tibet Lcodcr', 1DIcreIt ID tbc ~ and/or ti¡b/I under Ibia
SeaInty IDIu'umImt (Iud¡. II a proccecIiac ID bmIaupIcy. probate, i:Ir L'1\ndoom_hnn or forti:üure, for
cnbœu....t of a lien wIiid1 may atIauI pnority over ttu SeaJruy ~ or to eoforce laws or
RIpIatiODI), or (c) Borrower hu ahoondnr-' die Property. !bon Lcadar may do &lid pay tor whatever II
raaooabJc or &pJJl'OpnIœ to protect l4Ider'. iIIIeIat III the Propeny and rJ¡IUI DDdcr Ibia Sccw1ty
IDItrumat. iIICIudiuI proIeI:äD¡ lIIdIor IllelltDlIbe Yahle allbe Property, IDd ICC1U1DJ aodIor 1'C JÚIÙI&
die Pmparty.l.cDda", ICIiODI canlŒbldc, but are DOt bmIœd 10: (a) paJUII q IUD1S aecatcd by a hen which
hu priodty over ttu SecuDty IDstrumcot. (b) IIIJPCIfinI in cœrt, aDd (c) payin¡ !aIIIIIIbIe
CIt~ ........
"- 70' ..
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000:180
aIIan:ICyI' = 10 pI'DIeCt JIll iDIereIt in die Property aodIor ri¡btl1IIIder Ibis Securuy ~ iœbIdiD& ill
ICI:IItI:d paairiœ in a bIIIIauptçy ~. Sa:udIIa die ~ UICIudcI, but isllllt IimIœd 10, tIÌI:tIIIB die
Prapcny to maIœ œpaIIJ, cbanøc Jœb. n:pIace or boIn1 up doorI IIId WirIIIowI, draiD. waIcr fnxD p¡pcs,
obmmatt: buiJdin¡¡ or 0Ibec code YIoIatiooI or cIaDøcrouI COIIIÜti.DIIII. IIId have UIiIiuea IIIrœd an or oft
A1Ibouab LIIDdI:r II1II,)' like a:uœ UDder Ibis Secöon 9. Leader doOIlIDt have 10 do 10 aDd 11 DOt WIlla- III1Y
duty or obbpÞon 10 do 10 It is qreed !hat UÐdar IIICuI1 110 lIabIIuy for IIDt IIIIàn¡ III)' or all ICtIODS
IIIIborIzed UDder ibis Secaan 9
An, IIIIØUDII dIIbw1ed by Le:oder WIder fu Scctioo 9 IbaI1 become addi!loCllJ debt of Borrower
secured by dIIa SecunI)' blnllœDl These IIIIOIIIØ IbaU bear iDtcrrcIt It die Note rate ftQm die date of
cIÍIIIUIMDIIat ad IbaII be payablo. with IUI:h 1IIIICn:IIt. II IOD DDäcc from Leader III Borrower requcatIDJ
paymcm
If lIlY Secunty Iustrumeot is OIl a IeueboId. Borrower ùaII cœupIy with aIIlbo proviaIans of die leasc
If 8oIrcJM:r Il:Q.UinllIì:o title to Ibc Property. Ibc IcucboId IIId Ibc lee title abaI1 DOt IIICIJC unIt:a LeIIdcr
aar- to die IDCr I:I" in WIiUII&
10. It.toI1PIIB .IDIuraœe. It LerIder teqIIU'Cd MonaaIc IDIuœIce . a COIIIIiaon ot makin& die Luan.
Bunowec abaI1 pay Ibc pI'CI1II\IIDI l'CQ\IITed to JIIIiIIam Ibo Mortpp IDIInucc w effca. It. for any reaaon.
Ibe Mortp¡e IøIuruce ~ rr:quircd by Leader cc:llCllII be avaiJablc from Ibc mon¡qe 1DIurrz tIW
ll"e\'JOIIIly provided such ÍIIIIØ'&IICC and Boaower - rcquiJed III make lCpUaIdy deai¡natcd PlYIJICIItI
toward !be ¡ft:IIÚIUIIi for Mortp¡e bwuce. Borrowcir IÎIaII pay Ibo JIRIDI\ID1I RIQW1'ad ID obtain covera¡e
,,"""-"lly IlQlllvaIcut 10 die Mortp,c IDsurm:c prcvIou&ly in cficct. It a COlt lIIbItaœaIIy eqwvaleut ID
Ibc COlt 10 Bmrower of die MortaaF III5umø;:e prmous¡y in aIfect, from an alIcroaIe IIIOft¡qe iDIum"
ICIecIIIII by Leader. It "."""nHI11y eq&llvaIeat Wortpp IIIIutaDce COYerqc is DOt avùlabJe. Borrower IbaII
COIIIUIJe to pay to 1.eDder !be IDIØIIII& of !be er:pmIt1y deaJpúed pa}'lllellll that wen: due when die iDIuraŒe
coverap ceued III be ill effect. UDder will 8IICtpt. UN IIId nåw Ib.e pa)'11181111 II . 1IDI1-roAmdahIe Iou
raerve in.lieu of Yorr¡qe IDIurm:e. Such Iou raerve IbaIl be JIOI1.refIwdabIe, DDtwiIJ>'....vl,,'II die !act tIW
die LoIn is uIûmaIely ]IIIid In full. IIId Lcmder abaI1l1DC be ~ to pay Bmrower any Uúel'at or CIDIInJI
on IUCb Iou 1'eIa'Ve.Leader can 110 Jœaer æqu&re Iou øservc Plyme¡u if Mort¡ap buraocc coYCll e (In
die IIIIOIIIIt aDd 1br die pcPDd Ibat Le:ødec ~ provided by III iDIuR::r IC1ecII:d by Lender apIn becœ:Iœ
avaLlable. 11 Db!auIed. aDd Lcuder lCqUIrCIlCpl1'lldy deaJgoatcd payDICDIJ IDWIJ'd !be )IRmluoII tbr Mon¡a¡e
IuIwuœ If Leader I'CQIUn:d Mmf&aøe IDIura8ce II a CODditlDn of DIÙIJII !be Loan aDd Borrower _
requucd to make lCpUaIdy œ.W"'tM PI}'IIIœII IDHrd 1bc]InIIII\DIIS 1br Mortp&e 1D5wucc, Borrower
IbaII PlY die pn:IIIUImI ftIqIJIIai 10 maiJIIauI Monpac IDIura.ace In effa;t, or III provide a IIOIH'CfuodabIo Iou
reserve, 1IDIi1 Lcoder", roquIraDeot 1br Wortpp hJIuruœ cads III IICCOI'IIuIce with III)' wnuœ aarecmenr
bctweeI1 BorroM:r aDd Leader JII'OYidiuI iIr IUCh __inn or IIIIti1 -"'J CII is reqwred by AppIù:able
Law. NDIbuJa In ibis Secùon 10 atfa:r.I JIorrowcr, obIJpt¡on to pay iœ:rcIt at Ibc rate provided w die Note
MortaaIe .TaIuamce reimbuna I..eaœ: (or any amy that puråIaIea die Note) for cenaIJ1loue1 it may
IIICUr if Bmrower dor:a DOt repay die Loan 18 qrecd. Barmww ia IIDC a pany to die Mortaaøe IDIuraœe
Moøpp ÙIIIIren lIYa1uaIe tbaIr IDral riak on all AC.b. ~ .In forœ fRIm time to time. aud IDlY
CIIICr Into ~ with DIber partiellbat Ibare w modify their riak. w reduce Iouea. 'lbeae acreaoaa aœ
OIl IiarDIIIIId CDIdIÞoas that aœ I&IIIfIct.ary III the JIIOI't¡qe 1DIurrz aDd Ibc oIbcr party (or putioI) 10 therie
1pIIiIIICI1II. These qreaDe!ItIlDly I1IIpIIœ the IIIOIt&IF 1DIurrz 10 make paym1!1D111WD& any IDUrœ of fwIdI
that the JDOrtØIF iI1IUrcr IDly have availallle (whiI:b may iIII:IDdc fuDdI obtained from Mottp¡c IDIurm:e
pranIIIIIII)
AI a 1'CIIIk of therie qreaDe!ItI, LaIdcr, any pun:ha¡er ot Ibe Note. IIIOtber iDlurer, any 1'dDIUIer. any
otber t:Øity. or aD)' afI'1IIa e of any of the fon!¡oiQa. may n:œive (dir=iy 01' JIIIÚI1 çt y) IIIIIDUJJfI that derive
from (or IIIIJbt be dIaracrenzcd .) a pomøn of Bomnrc:r'. pa)llllaill tbr Mortpøe Imurauce. w cuu:h&n c
fir Ib8o:u¡ or IIJIIdifyiua the ~ 1DIUreI", risk. or rcduema Iouei. It IIId1 ~ provides !bat an
aftíhate of Lcodcr taka . Ibaœ of the iI1IUrcr'. riak ill aåIaD&e for a Ibm: ot the pn:IIIiUmI paid 100 the
.Iœurer. the IIrI'IIJFIIItá is ofta¡ tcrmaI "captiw I'rIIMUrIŒc . Further
(a) Ally IIIdI .......... will DOt aIrect the ....... dIIt Borrower .... II J'eed to ~ for
MørtaaIe ~ GI' -1 other termI r¡ die ~ Sur:b ...... will IIIIt IaI:re8Ie die IIIIOUIIt
Bornaww wUI_ tor ~ ,_--. ... daey wQt 1IIIt", aw.- to.., reI'und.
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(b) Any IIICb .......... will lICIt IIfect UIe rt&tå1lamJww ... - If 8DY . with nçect to tile
~ IIIIuraqœ uaœr tie H--.n Pnuctioa Ad ~ 1MIII' IIDJ ~ law. n.e rI&Iá _,
Indudo tie rIIW to reed" œrtIIID dIII:IœIns. to nqUClt &ad obtain """"11!tbJ 01 the Mor1pee
~ to "'ft die ~ JDIIII"IIIICe ùnIIfDIIted ...ot_lQaIIy, lIIIdIor au reedft . refuI!CI 01l1li)'
~ INunnce II"fIIDiuqw that WB'e....-oed It the time ~ ~ ..........1..lnn CII' ~
11;' ....J'V'*It of "1-11-. I'nJceeda; Forfeiture. All ~,""'¡I~III'OIJI Procecdi /lie beœby
IIII&œ4 to and Iba1l be paid to !.coder
U Ibe Propeny . damgccI, IIICh Mt"""¡IooftCOJll ProcccdI siJall III ~ to ~ or rq¡aJf of Iþe
Property. If die ~ or repair II ~irol.y IeMibIe and ~. lCCIlfity ÍlI IIt 1wc:œcI. Durin¡
IUCb ,...,. aod IWtoraCiaD pcnod, Lcmdør àI1 haw: Ibo ri¡bt III ho1d IUCb ....¡",... I._ Pro¡;ccds IIJIII.I
Leodcr bu hid au oppm1UIIJty to iDIpIà IIIdJ Prupeny ID CIIIIIre Ibe Mà: bII been CIIIIIpIetod ID Leuder'.
..¡;.~ JX'Ovided that IIICh ipIpcctiœ Iball be UJJdettaIœn pRIIDpdy. t.œder lDay pay me Iþe repairland
lCIt011tIOn m a IiJIIIe ~ or ÙI a IètJcs of prop¡ pa~ u tile wqrk II COIIIpIcfed UDIca 11\
~ II made m WIItma or AppIiaJbIe Law Rq\IIra lIiI:reIt to be peid 0II1IICh }.(i'l'PlIo-oua Proceeds.
Lcodc:r IbalI DOt be RIQIIIn:d to pay Boaower III\Y iIJImat or eanJIDII on IIIdJ ~lfCPlIg"""l'8 Procoeda. If !be
RIIOnIJon or IqIIIr II DOt """""'"'11"'11)' feaIibk or LcDdcr'. ICC1IIUy woukI be IcIacDcd. die ~lgllCOUli
Proceeds Iba1l be Ipp1ied ID !be IWDI ICCID'Cd by dIiI Secwìty IIIaIrumcrit. whcIbcr or DOt Ihcn ¡1ue. willi Ibe
CIXœII. If III\Y, paid to Borrower· Such M .......11\11eOU1 Pnx:eeda Iba1l be Ipp1ied m Ibe ordc:r provided for ID
SecIIœ ~
111 !be eYeIt of a tutal takiD.¡, daIn¥:tiœ. oc Iou IJI value of 1be Property. die ~'I('..n.....OWI Proceeds
Iba1l be applied IQ Ibe - ICI:IIJ'Cd by ibis SeaIIüy IDIIn1mcDt, wbeIb« PI' DOt IbIm due. with !be e:xa:a;. If
III\Y. paid to Bar'nNa'
Ùltbc CYOU of a partial tù1D&, doatructwn, or IqN ill value of die Propcrty IJI wbid1 die JàIr market
value of the fropm1y l....--t,.~ bc10re /be partial takq. deIIructIon. or Iou ill value II CQIJ&lID or In:aII::r
than Ibe IDIIIUIIt of Ihc 'IØDI ICQII1 (\ by 1bII Sccaruy 1IIIIJumaat 1IQ ,v"h.tfoIy bcfon: !be partial takma,
deatnJc Jon. III' loam value. UDIeu Bonowet and LeJIdec 0IbcrwiIe qrœ ill wrillllg, Ihc 'IØDI IeCUled by 1bII
SccuJìty IDørumeat IbaI1 be œduced by !be IDIIIUIIt of II!o )I.""'¡I,f'CO\II I'roc:œdI mulI1pha1 by !be
fo1lowsoa fracÞon; (a) Ibc IDÞJlIlllOUllt of !be IUI11I secured ",."""II.'-'Iy before !be partial takID¡. deattUCtlOD.
or Jou ill va1ue divided by (b) Ibe fair JIIItkct value of Ibe Propc:rty tnunM.~ bcmn: Ibc partial taIang,
deIIructioD, or loa IJI value. My balaDcc Iba1l be paid to Borroww
111 !beevc:ot of a parballalaD ¡, destrucäon. or Iou m value of !be Property ill wtJich !be fiur maItct
value of Ibo PIqJctty --ty bc10re Ibe ~ 1ÙiÐ&, doItnJcaon, or ~ in ~ II Jcu IbID !be
IIJIOIJIIt of Ibc IUDII IeCUI'ed 1III~~y before Ibo partia11a1aD ¡. cIeIuuction. or lqu in value, UDIcu
Bamr,vec aud LeIIdcr 0IbcmIe a¡n:e ~ WIitIJI&. !be M"cr~i-"uI Procc:ed¡ m.u be applied 1II.1bc IUI11I
IIICUn i by tIuI Security I.aIInmIaJt wbed¡ec or DOt Ibe liliiii ~ Ibc:n due
If Ibc Property II ..n.noþwot by BorJpwer-, or if, after JIOÖCC by Lcudc:r ID Borrower that Ibc Û JpOIiDg
Party (as detiœd in &be œxt ~) oð\I¡¡ ID make 11\ award /0 tcItIe a claun for ~. Borrower IàUS
/0 I'eIpOIId /0 LcDdcr wiIIun 30 day. after die daœ !be IIOticc .. given. Lcuder II authonzed /0 ~ IIDd
apply Ibc '41.....1~ Proceeds eåtbcc /0 I'IIItOI1Ití ID or repair Qf Ibc Propcny or ID Ibe 'WDlIIICIIlC4 by thII
SecurIty IœIrumeu. ~ or DOt Ibc:n due "OJIPOIiDI ~. IIICIDII Ibc tIun1 party that O\Yel Borrower
¡,{,to"'lo""QWI ProceedI or die ~ apiI st wIJœ¡ Bartowa- has a ~ of 1CIIOII1I1 rcpnIlD MiIœIIaDcou&
ProcccdI '
Borrower IbaIl be m dcd'IuIt if aJII II:UOD or IJI'IICCCdiDa. wbetber dviJ or crùJIIIIa1, II bqpm !bat, m
laJdcr', JUdamett. could œault 111 Iiri::iIQre of !be Property or oIber IIIIIICna1 àJIpIInuc:¡¡t of J..eoder'. 1IItcrcIt
ill &be Property or npø WIder 1bII Sea1rtty 1DItrumcmt. Borrower can cuø auch a ddauIt and. if acccIcratIon
bII occumd, raDIWe U JX'Ovidcd iB SecIion 19. by C&DIIDI !be ICtIOn or proc:eecIin, /0 be d1ImIued with a
J1JIiD& that, Ù1 Leødar', , \Id¡IIIeø, prccIvdea iriiIure of !be Property or oIber mat.eriaI III1jIairIzIfa of
Looder', iDIenat 111 t.bo Pzøpen:y or Ii¡ba IIIIIk:r dill Sccwüy Jømumcut The pcIIÇI:CIia of any award or cJaIm
for dImIp that Ire allriþ..·....I" to Ibe ÍII1p"i...-< of I.cuder', IIIta'eII ill !be Property are hIIreby UIip:d
&lid Ihall be paid to LcaIer
All ).Ii-'IW"OO. Proceeds !bat are DOt applied ID ratoraIIOD or IqIIIr of die Propc:rty &ball be applied
m!be order provided for m Section 2.
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11. ~ Not Rea-d; ~ By Leader Not . WafYel'. ~Il of Ibe IIDIe for
paylDCllt or mnd1f1C"1ina ofllllØl'tlZlllœ of tile liliiii IC:CUI'Cd by !Ius SccuriIy ÙIItlUmcDt øræiIcd by 1.eIIder
m Bonuwer- or my Succeøor 1II1D1c:re1t of Bor:roww IbaIIIIIIt operIIfe 10 œIeaatIlbe I1ability of Bonvwer or
my SIx;œaon. in IDœcaIt of Borrower. laIder IbIIlIIIIt be raqwred 10 """"""wt' }IfOCCCduIp IpÌIIIt II lY
Suc:c:cuar 1II1Dtmat of Bonower or 10 refuIo 10 e:xIaId time fur ~ or otIJcrwIIc modify aIIIIIIttZIItIO
of die liliiii ICIaIIcd by dus SecurIty hIItrumI:ø by R:IIOII of my dc:mud made by tile origiDaI Bonoww or
my Sucœuora 111 ~ or B_ Auy iIrIIearaIIœ by µmder in cxen:IIiJ¡¡ my n,bt or remedy
IDCIudùI&. witbout 1Imitawm, Lcuder', ~ of paymcDII fnIm tIurd pc:lIOIIS, ØIUca or S1IcceaIoø in
IDacnat of t*rowet or 111 8IIIOIUIII lea tbaIl!be IIIIWDt Ibcn due, Iba11 DOt be . waiver of or prcc1udc Ibe
ewn:tIe 0/ my n,ht or l'CIIIIIdy
13.101at aod Sewrat UabIIIty; Co4pen¡ Succe.on IIId ÂIIipI Bound. Borrower COYaIIIItIIIIId
aarees Ibat Borrower'. ohI'JPt'OlII ud IIabi11ty sbal1 be , OiDt IIId 1eYeIal. However, my Bonower who
co-ù&DIlbiI Security IDIInIn1eot but doeI DOt exa:uœ Ibe Note (a -I:O-Ii¡œ:rj: (~ ]I CG-IIIJIIIII1biI SccuriIy
I.DsIrumemt QIIly 10 mortp¡c. IŒJI ud c::œv~ tile C01Ipcr', 1DIaat in die Propezty 1IDIIcr !be ICIJDI of this
SccunIY IDI!rpmcot; (II) II DOt pcnoaaIly obIIptcd 10 pay !be IIIIDIICCUrCCI by tIi1a Secwity IDstrlllD<8; and
(c) I&1'CCI /bat LmIder IIId any odICC &mower can a¡rec to extcIId. modify. fortIoar or IIIÙt: my
-ti""f widI reprd 10 Ibe tcmI8 or !Ius Securuy lIIIlI'UIIIaIt 01' tbc Note wübout !be CO-Ii¡llCr'.
~
SubjeCt 10 tile provÎIlOIII of Section 18. any Succeuor 1II1Dterat of Bonower wbø UIIIII eI Borrower',
nhI.".t"",. UDder du Sc:cumy IIIIIlIIrDaIt in W1'inna, IIId II approved by laIder. Iba1I obIaw aU of
Borrower', n,btI ud bcœfitI 1mdcr this Socurity IIIItrumat. Borrower IbaIJ DOt be J1!Ieued from
BomJwcr', ohI'p(innll aud liability IIIIdcr IIuI Sccunty iIIIIrum&u UDiea Leoder qreea 10 IUCb rdeuc in
WIitm¡. The COWIDIIIII aud I8RCIœIIII of IbII Securuy InItrwœm IbIIl bU1d (except III provided in SectIon
20) and be:œfit !be ~ aud autøaI of 1.eIIder.
14. ..... CbIIruIL Lcuder may dlu)e Borrowr:r feel fOr Ien1œI per1iJnued in CODDeCIIOD widI
Borrowr:r', de1iuIt. for tile purpoee of proteCtIII& Leudar', ~ in !be Prope:ny and n¡Ius UDder tbíI
Sc:curity J'muumem. iIIcUho&, but DOt bmitcd to,IItoI'œy,' feel, property inIpcctton aud valuaöoo .. 111
repn!1o any otbcr ., !be abIeœe of cœpraI auIbority 111 IbII SecurIty IDItIumcut 10 cbarge . IpCCi1 c fee
10 Bonuwr:r IbaI.I JIIJC be COIIItlUcd u a pr'CJbtIJIIiœ on Ibe åIargID& of IUcb. tee. Lc:DcIer may DOt dIar¡e feel
Ibat an: CIpreIIIly probihIIai by this Secœ:Ity IoItrumeut or by App&ab1e uw
H !be Loan iJ Iubjcct 10 . law wbidlll:tl DWaIIi1Im loan cåar¡a. IIId !bat Jaw is 1iIIaI1y iDtI:qJRted 10
rbat Ibe JIIIenIIt or 0Ibcr loan c:barFa coIIccIed or 10 be co1Iec:Ied in ~ with !be Loan aœcd tbc
pemIItIed limits, tbcD: (a) any lid¡ !olD. c:harøe IbaIJ be ftIduccd by !be IDIØIIIIt IIIICOIIII'y to reduce tbc dulr¡e
10 tbe pemùtted IinIit; IIId (b) my - already coUecIod frœ1 JIorIuweI- wb1ch oxceecIed penniUed bm111
will be refimded .to Borrowr:r. Lender may c:booae 10 IIIÙt: IbII refuDd by recIw:IDa !be pnIICIpIl owed IIDder
!be Note or by ma.kiJJa . dim:t paYJIICŒ 10 Borrower. H a ret\md I'CCIucd prux:ipal, !be reductIœ will be
treaIed . a partiII1 prepI}'IIIeIIt wItbøut JIIlY IRIpayDIeDt c:harØe ('IIo'betb« or DOt . prcpaymem charge iI
prcwjded Ibr uader die Nøce). Borrower', ~ of l1li]1 sw:h leÜIIId made b]l ducçt paJlWCDt 10 BomIwer
will COIISUtUte a watver of JIIlY n,bt of ICtIOI1 Borrower mi&bt baw ariIìuB GUt of IIICh overchar¡e
15. Nadœ&. AllIIDIIceI JiYCD by Borrower or Lcoder In ""~OD wüb dIiI Security IoIInøncor .lI1IIIt
be 111 wrUIn¡. ÁJJy DOtice to Borrower 111 ~ with IbII Sccur1ry ~ Iba11 be deemed to baw
bcea Jiven to Borrower wben IIIIÜcd by ðrlt cIua mall or wbco. acIUally doIIvered 10 Borrower', DOIiœ
addn:u Jf - by otbcr JIICIIIII. NCMiço III my ~ Borrower IbaI1 I:OIIIIUuIc IIOtIœ 10 aU Borrowa¡ unIcu
Applicable Law t:IIpœII1y I'OCpIIrCI 0IbarwJIc The IIOIICC Iddn:II sbaI1 be Ibe Property Addn:u UIÙCII
8orrowa' bill ~~'Cd a IUbauuIe DOtIœ addIaa by DOIiœ 10 LaxIcr. Borrower IbalI plUlJl ltly mlify
l.eDder of Borrower', chàuae of 1ddn:II. H Leoder I)JCåfÍa a}Jl'OCCdurc for reponI.D¡ Borrower', cban¡e of
1ddn:II, tbca Borrower IbaI.I ooly 1'qIOtt a cbanac of address tbrou¡h tballpI:d1icd procedure. There may be
ooIy ODe li5lpoIed DOtice addrea UIIda: IhJ& Scc:uru, IDIIrumeat It my ODe tuœ. ÁJJy DOÞce 10 l.a1der abaIl
be ø- by dcliYeIiDJ U or by maiIiDa U by1ùst cIau mall 10 Leudar', addreø IIated hemn UDIea Leuder
bat deIipaIed aoodIer addreø by IIIItIœ to Boøowcr. ÀJJy DOIiœ in ~ wiIh Ibis Security IoItrumett
IbalI DOt be deemed 10 baw been J1ftÐ 10 Lcøder 1iIIIIi111Ct1111l]l reœìYed by Lcoder. H my DOtice rcquIQId by
!Ius SocuaI;y IoItnuuant II aI.o Dlq\llRXlIIIIIIer Applicable Law, Ibe Appbr:abIe Law requiømeIIt willlllilfy
Ibc c:oI'1'I:IpOIId ctIIpIiIaIIaIt 1IIIIk% IbII Security 1oIuumcot
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1'. GcnwaIøc Law¡ &e.wabIIty¡ .RuIeI f1l ~ '1bia Security I'IIItnJmoDt IbaII be pImIOd
by Ibdcrallaw ad die law of Ibe ~ in whicb die Pmpcrty II Iœatcd. All ripII ad lIbhpHoow
COIIIII.œd iD dua Security 1IIItrumrú arc IUbjact III aIIJ œquíI'I:IDeøa IDd Ilmlmrt..... of ApplIcable Law
AppIJCIbIe Law JDIIbt CIpbcitly IX' uupIicüly aIIo1r !be putiCllD ... by 00IIIrICt IX' It IIIí8bt be IiIa:a.. but
IIIth Ii/cø;e abaIl DOt be I:ODItruDd as a pmhi-' ..... I¡r'III:mrmt by COIIttact III die eYeDt IbM any
~ or åIIuIc of dua Sccurtty InItrumcàt or !be NOCC cooIIJas with Apphcab e Law. auch CODI1ict Iba1I
DOt a1Ibct odIcr provia¡oa¡¡ of duI SeaInty izIIuumeDt or die Nocc Which can be liven cßi:á wItbout !be
COIIfbctuJa proviIiœ
AI 1IICd iD diu Sccurlty 1DItnJmcru (a) wonIa of be IIIIICUIiœ IOÐder IbaII mean ad IDcJudo
CØRWIpOIIIIiDc -- won!I or wordt of die iIœiøaac JCIIdcr, (b) words 10 Ibe IIDauJar IhaII mean ad
IDcIude die pIuralllld viCe vrøa; IIId (c) die ward "may" liftS IIIIe diIcraIœ wIIbout IDJ obhpaon 10 ..
any actiœ
17.8orrøww'. Copy. Boøowcr Iba1I be¡twa ODe copy oftbc NOlIe md oflbll Sccurlty~.
II. TI'IIIIter f1l die I'ropertJ ar a BeaendaI ..... In Borruww. AI uaed ill dUa Sectiœ 18,
ÎJIIIIRStm Ibe I'mpen;y" JDCaIIIany k:pt or br.œfIåal ~ UldIe Property. iŒ\udi¡ ¡, but DOt huut.ed 10,
tboIc beaeðdalllllcrealllnDI&m:d 111 a boJId iIr dced. ~ fDr dced. illl"'lm-.t AIel COIinIct or e&21)W
qrearJaIt, die iIIÞIIIt of Which ladle tmDd:£ of IItJe by Bomnn:r 8( a future eWe 10 . pun:buec
It III or IDJ 11ft of tbo Property or aIIJ IDtcrat 111 tbo Property II IO\d or traDIfcrrœ (or If Bomnn:r Is
DOt a IIIIUrIl peqoo IIId a bcœficial iDIaat IB Borrowrz IlIOId or IrIuIIfe.rrccO wiIboul Lender's prior Wl'itteu
1:OIIIeIIt. Leader DIlly requke IIIIDICdiate JII)'IIIaIt m run of III liliiii ICCIIRIC1 by IbII Security IJIIIrIIIDIIU
However. Ibis opboD Iba1lI111t be CIœIt:IIed by l.-Ier if auch ~ II proI¡ih¡tcd by ApplIcable Law
It LcIIder aerc&IeI Ibis Ðpáœ. Lcador Iba1I ¡nc Bono__ IIGÞœ of II:œIcnûon. 1be DOIiœ IbaII
provide a pc:I1Od of DOt .IDa !ban JO daya from tbo due Ibe DOtiœ is pwa 10 acconIaDcc wIIh Sccüoo 15
wiIhm wbJd¡ ~ - pay aIllIIIDI __ by Ibis SecunI;y ~ Jf Bonvww iúlt lID pay Ibc«e
liliiii prior III die e:rpiraIIœ of IbIa pcnod. 1.c:adcr may mvoIœ Illy I'aIIaIIea peanùted by Ibis Secunty
~ wkbout fur1bcr JIJtice or demand on Bonowcr
1'. Borruww', Ri&bt to RaüIIt8te After ÂCœIIr'Iijoa. It BonoWI' IDeeII certain coodIlIom,
Borrowrz IbaII have !be n&bt to !lave emD.ceu.d of IbII Security IDItzumeÐt "''''''''''''''''''Ii at InY IIDIe pnor
lID die crarhat of (a) Ave iIIIys IIetIn IIIe of die Propeny JWIUII1t III any power of sale COIItaIIIed In ibis
Securüy IIIItrumeŒ; (b) IUCb odIcr period .. Applicable Law IIIiIbt apa:ity i:Jr !be tennmaÞou of Borrower",
riIbt to RIiDItaIc; or (c) cœy of · JIIdImcIt aUiIn:iJJ& Ibis Sccurity InItrumaot 'IboIc amdItioos an: dial
Borrowa-: 00 paya LcIIder IIlIUllll wbich tbcD wuuJ.d be due WIIII:r Ibis Scamty IDitrwDcut and tile NoIc as
If 110 acc:eIInIioa hid occurred; (b) CIIl1:I Illy dr4auIt of aIIJ 0Ibcr COYaaDII IX' QreI':mCIa. (c) JII)II all
upeIIIeI iIIcumd 10 CDfan:iua ibis Sccurity IDIcrwœot. 1JICIudU:w, but DOt hmiratlll. 1'CUOIIIbIe aItomI:ys'
.. property IIIIpCCIion ad valDll/œ fees, and odIcr .. iIICIIrred fDr tbc purpou of}lrUCeCllD& LcIIdcr',
iDIcraIm die Property ad rJabtI IDler did Security 1Darumeut; ad (d) takcllUCb. actIøI1 III !.alder may
~y œquire 10 IIIID Ibat Umder',1DIcrat in tbo Property IIId I18bII WIIII:r Ibis Sccunty IDIIrument.
UId Børro.er', obI/aation to pay tile liliiii MCUnId by Ibis Socurity ~..un 00IItiDuc wdIaupI
Leader may nçure !bat Borrower pay IUCh ~ IUIDI ad I:ZpCIIIIeI 10 oœ or more of Ibe iIIIowiD&
forma, .. ICIècIicd by Lc::oder: (a.) cash; (b) IIIOIq' order; Cc) cenifIed check. bIIIk check. tramrer'. dIc:ck or
taIIucc', check. }InIVideI111ly auch dIc:ck .\I drawa upœ an JIIIIIIuIioa whole depoIbI are IDIUred by a federal
qcmcy. ~ or eDIity; or Cd) BIcc;&ra¡¡¡c PIIIIIII Traodcr Upon ,.,........-...:u by Boaowcr. Ibis
S=mty IJIIInmIcot aod nhllp''''", JOCUn:d bcRby IbaII ranam ftlUy etlicc;ltve II if 110 acœ/craIton had
occum:cI. However. ibis IiIbt 10 J:CUIIIa/c IballDOt apply In tile tale of aœderation UIIdec SectIon 18.
:zø. BIle of Note; c-. of Loan SInker; Noöœ of Gr1eftoce. 'Ihe Nocc or a pardal ùRn!It ill !be
HOlD (IoøcdIcr willi did Secuaty hIIuumczr,) can be 1014 ODe or JDOn IíDIcI wiIhout pnor DOtIce 10 Bon:owrz
A sale IIIi¡Iu reauI1 In a c:Iian¡e In !be Clltlty (Iœowu as !be "Loan Semcerj that colIectI PmocIIc Pa.Yau:Dta
due WIder tbo NOIe ad ibis Security IaIIruœaa md perbu¡a 0Ibec JIIOrt8IIP loan IeCVICID¡ obIipöon¡¡
UDder die Note. did Socunty Iœtrumtu, ad App\iI:ahIe Law 'IbenI aIro JDI&bI be ODe or mørc chaoøa 01
tbo Loan Semccz- wn\aIcd 10 a laic of !be NOlIe. Ittbcrc ia a cbau,c of tile Loan Semccr. Borrower will be
JlYCIl MiIàm IIOIII:e of !be åIaDp wtW:h will IIatc !be IIIUIIO md ùIn:u of Ibe IleW Loan Scmc&r. !be
a.ddJ-.s to wbich PQmeaII abouI4 be made ad Illy 0Iber IDfnrm"H"I RBSPA reqwrea in Ç( z ç jc with a
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IIOCIœ of II'IIIder of 1eI"VJdD&. If die Note II aoId aDd Iborea1Ier die Loao IIICIrViCCd by a Loao.Servlccr otber
!bin die pun:huer of die Nolie. die mortp&e loan IC:IViCíD& nbl9t1nno to Bonwer will IaD&in with die
Loaa ScnIœI' or be IlaIIIIelmI to a IUCCCIIDr 1.-0 Semœr aDd are DOt IIIIUIDed by die NOIe IUI'Cbuer
uIIIea 0IIIerWIIe provided by die Note J IItCbaIcr
Ncida- IIoaower nor l.a1dcr may ('''''''"''''''''~. JOIII. or be JDJDCd to any Judu:ia1 ICùon (II cUbcr an
UllliYidua111Upo1 oc die IDaIIber of a cIaIa) Ibat ariIM fraœ die oda party'. aáiorII pulI1IIDt to tIua Security
IDItrumaIt or !bat aIIqJr:a !bat the ocber party has breacbIId my proviIIœ of, oc my duty owed by reaaon of,
Ibu Secunty 1aatrumeI1t. IIIId1 IUd¡ Borrow.- or l..eader bu IIIIIi&4 die øthet party (with IUd¡ DOIIœ liven Ul
~,,~ with the requiJmIaiJ of Scœœ 15) of IŒh aIJqcd brcacb aDd afforded die other party bemIo a
reuooabIc pariIId afIr:r the JlYiIII of IIICb DOtIœ to like com:cnvc actIOII. If AppIu:abIc Law provides a lime
pe:nod which IUIIIt cIapIc bein œItIU1lCUOD tU be Iab:o. Ibat time pariIId will be deemed to be reaIIIIIaWc
iIr putpOICI of dna puqraph. The IIOIIœ of III:CdIaaon and oppottIIDity to an pven to Borrower pul'IUIDt
to Section 22 aDd the JJOtu:e of 8CCCIerItIoD Jlven to Bonuwor punuaJá to Sccti.on 18 IbaIl be dcraccI 10
IIIiIfy the JIOIIœ aDd opportuDI1y to rake com:cnve ICCIoII. provllioDl of this Seaiœ 2D
21. IlazardoUl ,,_........ ~ 1IICd In duI SecÞon ~1 (I,) "Hazardoua SI1bitanceI" are thole
IUbstaDca deIIœd .. toile or JIuanIoua .'bf~, poIJuaauta, or -œa by En¥irolllDeDlal Law and the
iIIIowm& ÙIItIDI:cI. paoIioc, 1œnIacœ, other IIImrMbIe or IOZIc pctmIeum producIa, toxic pabcidea ID4
bcrbiddcI, volatile IIOIYaIII. mIIt:naIa COIIIaIDIDI aIbeItoI or ÍI:IrIIIÙdeIIyd, and Qdioacövc maIcriaIa; (b)
"EImroameIa1 Law" JDCaUI federal ]aWl IDd ]aWl of die JuriIdictIœ wbcrc the Property 1110catcd that n:IaIc
to beakh, safety Œ CIl\1J'OœleDlal pnM:a:tIoQ. (c) "~ CIcaIIIp" 1DcIudca any rcIpODIC acÐon.
remedII1lCÜOJ1, Œ removal actIOD. II dcfinI:d in BD9itQuwcu ¡ ) Law; and (d) an "BD¥1I'DJImcIIIa1 Coodinœ"
DIC8III a CODditIœ !bat tU c:auae. COIItribute to, Œ atberwiae cnuec an Bnviroumc:alal CieauIIp
Bonvwer IbaI1 DOt - or permit die ~, UIe. dIIpOMl, 1IDIaF, oc __ of any Har.udoua
SubaIm:ca. or thrcatœ to rcIcaac any Huudoua SubaIm:ca. OIl or In the Property. Borrower IbaIl DOt do.
nor allow 8II)'OIIe dac to do, anyduDa afIicc:Þut die Property (I,) !bat II In VJaIaIiœ of any EnYll'OlmClllal
Law, (b) whId1 creaœa an BawoamcaIaI CmIdiDœ, or (c) whId1, dœ to the preICIICC, IIIC, or œIeue of a
HaZIrdouI SUbaIaDœ. creaiea a c:œdition !hit ldYc:neIy affa:II the value of the Property The prececIin¡ two
ICIIfeDCCI aball DOt çply to the: preIaICC. _. or IIoraF on the Propeny of IDIaIl Q\IIDIÌIICIi of Hazardoui
SubIIuc:eI that are øeœraI1y recoJlUCd to be appropr aIc 10 IIOQD&) rœdcIJIial UIOI and to JIUIin......."..... of
the Propen;y (iJIçh¡d¡u¡, but DOt limiIed 10. baurdouIlUbIranca In COIIIUIDCr productJ)
iorrowa' abaI1 promptly ¡t¥c Leødcr W11Iricn IIDÖCC of (I) any iavauptlOll, c:1aIm, demaod, laWIUU or
other Idion by any ¡overJIIIIeIIta or rep1l/ory qeucy or)JITVIIC party Inval~ the Property aød any
Hazu1Iwa SubaIaœc or BnvtrlDDelllù Law of which Borrower IIu IIdual kmwlcd¡e. (b) any
~ CoadIöœ. JDCJuduIa but DOt JImüed to. any 1JIÜliDI, 1caIwIa, cli8charF. ""- or ~ of
rdcuc of any BaanIouI, SubIIaacc, aød (c) any COIIIIIàœ CIDICd by Ibe þn:Icoœ. \lie or reIcae of a
HuanIoua SubIIaocc wbich IIdwrIdy aðbcIIlbe value of die I'mprzty. If Borrowu Ieama. or II DOIi1ied by
any JO~ or rep)atory authœ:uy, or any pmaIe party. that any remova or oda moedIaIIon of my
HaZIrdouI Subaance Ift'eaIDø the Property ÌlIIDCeIIII'J. Borrowa- IbaU pramptly rake all œceuary ftIIIIdial
aauma ID Ia:CIrdar.Iœ widI BnvøœmcoIal Law. NodIiI!¡ harem aball cn:aœ auy oblIptIOIl 011 Lcudcr !Dr an
BnvÙ'CIIIIIIIIIIIÙ CIcaIIIp
-~ .......
..... 12. II
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000.185
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NON-UNIFu1l.M COVBNANTS. Boaower aod Leodcr tInbcr COVUUt aod I8I= I1i tbIlowa
n. AcœIeratioa; a--.. ÙIIdIr IbIIII ... øotIœ to Banvww prior to IIa:eIentIoa faIknrIøc
Barrower-. bn.:h of q- ..-.. ur ~ lit tbII SecurIty ~ (but DOt prior to
"'-¡h.'" 1I11der BcdIaa U uaJc. ÃppIbbIc lAw JII"QYIcIIw.....). TIte 1IOCJœ IbIIIl ~ (a)
tile default; (II) tile 8diuIa required to an the cWauIt¡ (c). dIte, DOt ... tbtut JO .,. from tile date
tIte DIItke .. .- to Borrower, by wbIda tIte cWauIt .... be cured; MIl (d) Ü1IIt failure to curt tile
deIaadt 011 ur Wan tile date apedfted ID tile DOtk:e may .... In lICICeIenItIoa of tile __ -eca by
tbII SecurIty IøItnaeat and IIlIe 01 tile Prøp.n)'. The DOtk:e IbIIIl lurtbw Jatorm 8orrowtr 01 die
r1&ftt to ....... after II:CeIendoo 8Dd tIte J1abt 10 brIac . aut adkta to ..... tile ~ of.
default or .., adter deI_ of Borrower to ....1tII.G ... ... Jt tIte default II DOt cured QD ur
before the date apedfted bt tile DIItk:e, Leader It ... apdoa may require ~ ...,... Ita filii of
all .... ........ by tbIiI SecurIty IIIIiI-.t wItItaut f\1rtber ......... MIl may bmtIœ tile lØMr of
- 1l11d .y o&ber r--u. penaIIted by AppIIatbIe lAw. Leader Ib8II be IIItItIed to œIIec:t all
apa.- Iat:urred bt IIUI'IUbtI the nmedieI JII'Oftded bt tbII 8edIan 22, btdudIna. but DOt limited to,
..-... .......,... '- and œG of 1We ntdeace.
It Lmdcr ......... tile JlOWW' of -, Leader IbIIIl &he Illltk:e ot Iateat to rOl'edœe to Borrower
aad to tile .-- bt f rr J ØD of tile Proper;y, " din.... Ita &a:iIII'CIIutce wItb AppIIc¡SIe Law.
Leader liliiii ." DIItIœ ot tile .. to ~ Ju tile ....... proftded bt 8edIan 15. Leader IbIIII
puI¡IiI8a tile IIUtIœ of ... and the PrcIperty IbaII be IDklIta tile ....... JIIWIrited by AppikabIe lAw.
Leader or ... deIIeDee may ~ tbe J>rop.ty at 1111)' ... Tbe ...-k 01.... .... ..... be applied
bt tile fctIIowIa& anIer: (II) to 811 upIIIIRI ot tile ... btducIa&. 11m IlGt limited to, ........
........,.. '-; (II) to aU ...... IeCIII'Id by tbII Becurky J'JIItrumeat; III1d (c) 8IIY __ to tile penon or
......1e8II1 eaatIed to It.
n ..... Upon paymeat of all liliiii ICaI1'CId by Ibis Seau:ity IDIIr-umau. Lcodcr IIbIIl rcIcuc Ibis
Seauity IDIuumaat Borroww IbaII pi)' .., rcœrdIttoo aIRs. Leadar _y thu¡o Borrower . fee for
reIt:aItD,ø dua Sa:ur:u.y IIIItrvmeDt. but oaIy if the fee 18 )IIId to . Ibtrd party for IeI'ViceS readcred aod the
cbarJtoI of the iee II pa¡mUIcd wtdec App1abIe l&w
24. w........ Bonvwet ""'11Id __ aI1 npq WIder I1Id by ¥Utuc of !be ~œad cxaupuon
!awl afW)OIIIiDI
GtoU(WY) ......
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OOO~86
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BY SIGNING BELOW. Bonowcr Ia:cptI IIId IIpIeI 10 !be lama IIId COYelllUltl COtiIiDed iD IIIìI
SecurII.y faKllIIUAá IIId in lIlY Bider e:JIIICIIIed by Bono__1III1 recorded with it
WIùII:UcI
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(Seal)
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(Seal)
-aar-
(Seal)
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-1Ianow.:t
000070052
Gt-MCWY) ........
..... .. 0/"
FoNIIDI1 1101
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0001S?
BrAD OF WYOMING,
1be ~ maruDICIIt WU acIaIowJedaed beiIre me Ibis
"rucll&al JIdwad Ball 5 Tad L)"III1 Ball
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C4Lj~RAJ/~ 7/¿!':- ~,(J/t:JGf'
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U~~4039
CALIFORNIA ALL·PURPOSE ACKNOWLEDGMENT
000188
- - - -
- - - ~
State of California
"
}ss
#oTI!9-fi-Y P;~d~ Ij
On a r z II ~ 6JðJ6, before me, /?Ø~~ f' ~. ;{¡fq; it' ~ "2.--- I
oãla N;une and Tille 01 Ollieer (e.g.. -Jane Doe. NOla", Public")
personally appeared /'1/ C/!;P_L ~ ,.jj:,,{t.,.., ~/ ¿y AJ,J 4 ¿ L ':
County of
/V~ ~o.S'¿
~. ~ T~O~S;, VASQÛÛ ,
~ COMM. #1437612 ~
~ Q) . NOTARY PUBUC - CAlIFORNIA t:
# MARIPOSA COUNTY
J ~ ~ ~ ~ ~ ~om~. :.~~s ~~ 3:3~! ~
o personally known to me
~roved to me on the basis of satisfactory
ïJ;Li b C9 ~I ,¡£~ L/
to be the person(s) whose name(s) .atare
subscribed to the within instrument and
acknowledged to me that ~/they executed
the same in ~/their authorized
capacity(ies), and that by f¡i~:l.g'¡their
signature(s) on the instrument the person(s), or
the entity upon behalf of which the person(s)
acted, executed the instrument.
I'
I'
I'
Place Nola", Seal Above
Though the information below is not required by law, it may prove valuable to persons relying on the document
and could prevent fraudulent removal and reattachment of this form to another document.
Description of Attached Do~ent
Title or Type of Document: t'J~ rC:::/9£ 1=
,'(0.
Document Date: éJc T g / . ~ c;(5)¡::
,
Number ot Pages:
IS
Signer(s) Other Than Named Above:
,
Capacity(ies) Claimed by Signer
Signer s
o Individual
o Corporate Officer - Title(s):
o Partner - 0 Limited 0 General
o Attorney in Fact
o Trustee
o Guardian or ConseNator
o Other:
~
.~
Top a/thumb here
I
Signer Is Representing:
. - . . ~~'Q(;.~~~~~~~~~~~~~~~~'Ç(;.~~'§(..~.'Ç<;."§'<;''Q(;.~~'Ç(;..~J¡
C 1997 National NOla", Aasoc:ialion· 9350 De SolO Ave.. P.O. Box 2402· Chalswol1h, CA 91313-2402 Prod. No. 5907 Reorder: CaY ToU-free 1-800-876-6827
W¡@i¡mlifWii¡~fill
O~···10-·" ,
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000189
SECOND HOME RIDER
THIS SECOND HOME RIDER ...,...... net .yof Octob_. 20o,
and .. 1noorporat8d Into and ahaII be ~ to amend and auppIement the Mortgage,
Deed of TRlllt, or SeourIty Deed (.... 'SlIOurity lnalrumenr) of.... lame date given by the
under8igned (the "Borrower" whether .... .re one or more plll1lOl'111 underaigned) to
NO.".. Borrower'. Note to
'ruT BOaZZOIf ... LO»I coaPOUTXQIf
(.... "1.8nd....) of the ume date and covering .... Property deeorI:IecI in.... Security
lnatrument (.... .Property.), which .. located at
127 CottoDWQ04 Co=t 1'bayna, If!' 13127
fPruperty Addr_J
In addIIIon to the cov..ma and agr...,... INde In .... Security lnatrument,
Borrower and Lender fw1her _anent and agr.e that SectIone . and II of the Security
InRument ara deIIIt8d and .... repIaoed by the WowIng
e. Oooupenoy. Borrower .... oocupy. and .... only UIIe. !he Property ..
Borrow.,.. aacond home. Borrower 8haJI kIIIIp the Property .vaIIabIe 1:>1
Borrow". ~a uaa and enJovment at all 1Imea. and .... not aubjeot !he
Property to any tilMehanng or other ehared ownerablp arrangenwnt or to any
renllll pool or agrøment llat r~ Bonower eiIher 10 rwd !he PI'Op4H1y or give
· ~ firm or any o1h8r per.on any COfItrOI over the 000&IpanCy or ua. of
1IHt Property
.. Borrower. Loen AppIIoatIon. Borrower ehaI be in dalault II, during !he Loan
application proo.a. Borrower or any peraona or __ aotIng .t the dlreation of
Borrower or wfth Borrower'. knowledge or oonaent gay. materially .....
miallllldlnll, or Inaccurate InformallDn or ..t8rMnta to lAnder (or failed to provide
Lander with maWill' information) 11'1' COnneo1lon whh the Loan. Material
r.......lIol'lll InClude. but .... not IImItIIId to, AlprtlllentUon. conoernlng
Borrower'. 000&IpUI0y of the Property .. Borrow"'. _00 home.
005'070052
MULTlBTATE eECOND HOllE RIDER . SIngle Family . Fannie II"~ MIlo
UNIFORM IN8TRUMENT
FOrni - 1At1 Page 1 of 2 InitIIIIa ~.
at JIM (0411) VMPMortgageSoluliona.lno. (800)621-7281 Jrt"'~
11111110
O~~4(JJ¡S
:...
..
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';":¡~lfJ~~¡!¡¡;
BY SIGNING 8EI.OW, Bonuww -.pta
.. d) 7ñ47;TJ./;Cb
-1" ~ (8
JUcllael Jldwar4 ..11 -Borroww
005.070052
___R (0411)
OOO~90
"
(SeU)
-Borrower
(SMI)
~rro_
(Seal)
-BorroW8 '
Paae2of2
".·i "w.j;:'.
:::::::t.:::::~*¡;~
(Seal)
-Borrower
(Seal)
·Borro_
(Seal)
-Borrower
Form salO 1101