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Home My WebLink About873724 ""'".:- 8713183 ,';"./ :," ~co WYCM-3051-C-~ Return To: WELLS FARGO HOME MORTGAGE, INC. 3601 MINNESOTA DR. SUITE 200 BLOOMINGTON, MN 55435 F,~ Eel: f \/ E [> LiNe:::)I, i',j COt.ii"!-I-'y' CLEfil< 873?21{. D1 ,-!lJJ~:~ ~'_:G ?H 3~ 27 Prepared By: WELLS FARGO HOME MORTGAGE, INC. , I i=" .:;, [\! ;\! 1'::- . ," i :''. ::: ;< !:- c 'J^,.",.f ~ t~... ,,_". IJJ.. '....jj'...i.....l \ ~.~ E ;r..{ f'~.i F F; (= r~. \// \r 0 l."~ I N G BOOK_46_6 PR PAGE 0 3 2 ], g], 9 DOUGLAS" OMAHA, NE 681010000 [Space Above This Line For Recording Datal MORTGAGE DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3. 11, 13. 18. 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16, (A) "Security Instrument" means this document, which is datedJUNB 01, 2001 together with all Riders to this document. (B) "Borrower" is WILLIAM L ROGER AND SHELLY D ROGER , HUSBAND AND WIFE Borrower is the mortgagor under this Security Instrument. (C) "Lender" is WELLS FARGO HOME MORTGAGE, INC. Lender is a CORPORATION organized and existing under the laws of THE STATE OF CALIFORNIA WYOMING-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT Form 3051 1/01 .. -6(WYlluoot>1 (!) Page 1 of 15 Initiels: ~t1f SDJC- 11111111111111111111111111111111111 VMp MORTGAGe rORMO. 1000)621-729' - - - - - - 087372t~ ('3C~ d ' Lender's address is P.o. BOX 5137, DES MOINES. IA 503065137 Lender is the mortgagee under this Security Instrument. (D) "Note" means the pTUmissory note signed by Borrower and dated JUNE 0 J., 200], The Note states that Borrower owes Lender SEVENTY FIVE THOUSAND AND OO/~OO Dollars (V,S, $ *****75,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JULY 01, 2031 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property, " (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check hox as applicable]: D Adjustable Rate Rider D Balloon Rider D VA Rider D Condominium Rider D Second Home Rider D Planned Unit Development Rider D 1-4 Family Rider D Biweekly Payment Rider D Other(s) [specify] (H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions, (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a tr!llsaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is nut limited to, point-of-sale transfers, automated teIler machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers, (K) "Escrow Items" means those items that are described in Section 3, (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement PWl.:euures Al.:t (12 U,S,C. Section 2601 et seq,) and its implementing regulation, Regulation X (24 C.F,R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter, As used in this Security Instrument, "RESP A" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. . .6(WV) (0005) @ Page 2 of 15 b' J..)t Initials' l) ,'- 5D1Ga Form 3051 1/01 ~ - - - ~O/L ~'iiOE WJO:\ '?AD b' (j1( Y):Sle'I!UI S!1I110 :;llON :;ll{ll;)pUn lU;)UlARd SR I;)PU;)'l Aq P;)A!;)J;)11U;)UIllllSU! 1;)1I1O 10 )[J;}lI:> AUIl J! 'I;)A;}A\OH . AJU;)l1n:> . 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Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15, Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current, Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted, If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds, Lender may hold such unapplied funds until Borrower makes payment to bring the Loan currenL If Rorrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower, If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3, Such payments shall be applied to each Periodic Payment in the order in which it became due, Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid ill full, To tIlt: extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due, Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payahle hy Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10, These items are called "Escrow Items," At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items, Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time, Any such waiver may only be in writing, In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts . -6(WY) (0005) i:Sl Page4ot15 InjtialS:~ ,501l Form 3051 1/01 ......1 - - - LOlL LgO€ uuod ?Krs '2tfrJ"7 '"IOI\IUI 9 ~ ~o 9 .SOd (90001 (AMI9-_ :Jql 1i'U1AJHU:JP1 :J:l!lOU lll:JIt\OllOg :JA11i' AllW l:JpU:J'l 'lU:JWtulsUI A!!ln:KlS S1qll:JAO AlPOpd U1llllll Ull:) q:>!lllt\ U:J11 II 01 p:J[qns s1 All:Jdold :JIp JO lllld AUll lllql S:JU1UU<:ll:JP l:JpU~l'J JI "lU:JUInl1SU1 A1!ln:l:JS S!ql Ol U<:ln <:l{{l 1i'UHllu1Ploqns l<:lpU:!'] Ol Al01:)llJS!lllS 1U:JUI:J:J11i'll Ull U<:l!I <:lIp JO l:Jploq :Jq1 UIOlJ S:Ull:):JS (:)) 10 ~p:Jpnpuo:)~.re s1i'U!p:J;}:)old q:)ns mun AIUO lnq 'Su1Pu:Jd :Jlll s1i'U!p:J:J:)Old ;}Soql ;}t!qlt\ U;}11 :Jll1 JO lU:JUI:J;)lOJU:J :Jq1 1U;}A;}ld 01 :J11U:Jdo Uo!u!do S,JOpUO'1 U1 q01t{1t\ S'SU!p:l:l:JOJd IttSal 'U! 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"lU:ltu:l:lJ'8ll pUll 11lllU:lAO:)1I :lsllJqd :ltp Sll 'lU:lUInl1SUI Alpn:J:lS S!ql U! P:::lU111lUO:J lU:lW:l:l1SU PUll1UllU:::lAO:J II :lq 01 ?:lW:l:lP aq s::Jsodrnd Hll 10} ItllqS sldl:l:J:ll :lP1A01d Ol pUP. StU:lUIAUd [pns :::l){lltu 01 UO!lt'!g!lqo S,l;7jIt\OJJOfl ':l11nb:::l1 AllW l:JpU:!'] Sll pop:ld :::lID!l q:Jns u1ql!1t\ 1U:::lWAlld q:Jns SUPU:lP1A;} Sld1:l:J:l1 l:lpU:rJ 01 qS!wIlJ Illlqs 's:J11nb:l11:lpU:J'l J! 'pUlll:lpU:l'l Aq p:lA!lllt\ U:l:lq Sllq spund JO 1U:ltuARd q;)!qlt\ 10} SW:l1I 1t\00:JS3: AUll10j :Jnp 9[0 l.JZl"f: 'F' ~~ {) ..... - - - 0873r.l2t.l (] 3 '7 lien. Within 10 days of the date on which that notice is given. Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting servil.:e useu by Lender in connection with this Loan, 5. Property Insurance, Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires, What Lender requires pursuant to the preceding sentences can changc during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably, Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for t100d zone determination, certitication and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objel.:tion by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect, Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained, Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shaH have the right tu hulu the pulicies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices, If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be appHed to restoration or repair of the Property, if .the restoration or repair is economically feasible and Lender's security is not lessened, During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had' an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly, Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed, Unless an agreement is made ill writing ur Applkable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds, Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower, If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with . -6IWYI (0005) @ Page 6 of 1 5 [- !j{ /) Initials: -U, I.~ S O{2- Form 3051 1/01 ~ - - - LOlL L90€ WAO~ ?h1G 9 ~ 10 L 8eed @ (90001 (AM)9-. ~/? :sle!I!UI :Jlq-eUOS-e;u ilU!Alld (::l) pm ~l.!no;) U! ilu!1ll:Jddll (q) :lU:JUInIlSUI Al!lll;):JS S!t{l l:JAO AlllOpd Sllt{ t{::l!t{M uaH 1': Aq palll:Jas smns Am: BU!A1':d (1':) :Ol pal!lliH lOU al1': lnq 'apnpu! 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AUtl 01 SlqJ:i'P S ,1;}MOllOg (e) l;lPU;}'1 Ol su'ffJsse Aq;U:Jq l;}MOllOg ':JS1Ati;)qlO 10 ZZ UO!l::l:JS lapun Auadold ;)ql salJnb::ltl l:)PU;J"1 ]! 10 'luaA;l l:Jqll;} UI .U;)AJg S! a::l!lOU :JIp U;lq1\\ UJg;lq lI!1\\ popad kep-Of ;lq~ "UIJEP :Jql :JIll;)S pm ;}l1'lpo<!;}U hem l:Jpua'l uaql 'w!ep II :JIllas Ol p;}laJJO seq l;lJlre;) a::lmmsuJ ;lql lEqllapua'l Woi] ;l::lPOU tl Ol sAep Of UJqlJM PUOdS;}l 10U S;lOp la1\\Ol1og .II 'Sl;lHEW paltll;}l pUl:l UIJEP ;J;)Ul:lmsuI ;llqtll!tlAll AUl:l ;lmaS PUV ;Jlll!loZl;lU 'am AEUI l;}PU<rI 'Auadold ;,ql SllOpURqP. l:l1\\OllOg .JI 'Z llOp::l;lS uJ 10J P;}P!AOld laplo :Jql uJ p;}Hdde :Jq tl1'lqs Sp;):J::lOld ;}::lUlJ1nSU! q::lns 'l:JMOllOg Ol p~d 'Aue .I! 'ssa::lxa :Jql BEO l}Zl,J:~80 ~ - - - 087 ~r~?2tl~ 039 attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument. including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off, Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payahle, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease_ If Borrower acquires fee title to the Property, the leasehold and the fee title shall not mcrge unless Lender agrees to the merger in writing, 10. Mortgage Insurance, If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain thc Mortgage Insurance in effect, If, for any rea:suu, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that , previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurancc, Borrower shall pay the premiums requin:u to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalenl Murlgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss re:serve in lieu of Mongage Insurance, Such Loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve~ Lender can no longer require loss I'eserve paymeul:s if Mungage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Iu:suram.:e as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such tennination or until tennination is required by Applicable Law, Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the LOan as agreed, Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses, These agreements are on terms and conditions that arc satisfactory to the mongage insurer and the other party (or parties) to these agreements, These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any aftiliate of any of the foregoing, may receive (directly or indirectly) amounts that derivc from (or might be characterized as) a ponion of BOlfOwer':s payments for Mongage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses, If such agreement provides that an aftiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. . .6(WVII0005) @ Page 8 of 15 I .1' )) InjtiaI5~~L. ~ Form 3051 1/01 ~ - - - Lon LSOE WJo::/ ~dG' ~(1'rY7,"I"!I!UI g L 10 6 .Bed '~ (gOOO) IAM)9- 'loWP . Z UO!l;)JS U! 10} p;}P!^Old 1Jp10 ;}ql U1 Nuddu ;)q {luqs All;}dOld ;}ql ]0 l!ud;}l 10 UOP1U01S;}1 01 P;;JHddR lOU ;;Jre lRql SP;;J;;J:>Old sno;;J1mlp:>sH"l {lY "l;)PU;)'l 01 P1Rd :Jq yfllqs p1m p:mil!sSl? Aq;;J1Jq Jre ^p::llIOld ::nlllI! lS:ll:llU! S,l:lplI:l'1]O 11I:l1I1lpldm! :lIp 01 :llqp.1nq!11lp. ::Ire WIll S:llip.uIP.p 10] mp'1p 10 plP.MP. AUP. ]0 spaa:>Old aqJ, "lUaWllllsuI Al1ln:>as S!ql1apun slqil!110 All;;Jd01d aIp U! lSa1alU! s,lapua'l }O lU:mI1!Rdw! YUP;}IRW laqlO 10 Alladold aql]O ::unnapo] sapnpald '1uawilpn[ S,lapua'l U! 'lRq1 iiUHlll R ql!M p;;Jss!lliS!P ::lq 01 ~u!p:l;nOld .IO UO!l:JR :lql 1iU!SmD Aq '61 UO!l:J:lS U! p:lp!AOld SI'! :lll'!lSUpl 'p:lun:J:Jo SRI{ UOWH:l{;):J:JR ]! 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Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Horrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy, 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co~signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any othcr Borrowcr can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to thc provisions of Section 18, any Successor in Illtere~t of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Dorrower's obligations and liability umkr thi~ Sel;urity Instrument unless Lender agrees to such release in writing, The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees, In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee, Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law, If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the pennitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower, Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note), Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. ' 15. Notices, All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this SecllTity Tnstmment shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to anyone Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of llciciress, then Borrower shall only report a change of address through that specified procedure, There may be only one designated notice address under this Security Instrument at anyone time, Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument, cD -6(WY) (0005) @ Page 10 of 15 ,}) Initials; '~)iL-'1 ( 3PfL Form 3051 1/01 ~ - - - LOlL L90E: WJo:! -?K)S ";}j7Y y lOlllul 9L)0 LL 06.d @ 190001 (AM)9- CD VdSEUI UOW~UllO]UI laQ10 htre ptre apl]w aq p[noqs sluawh~d Q:lIqM 01 SSalppl] aql 'la:lIAlas treo'l Mau <llll JO ss:uppu puu ..umu <lQl :,)lUlS It!M Q:l!t{M "~UUtp :,)Ql JO :,):lHOU U:,)npM U<'!A!~ :,)q It!M J:,)MOllOg 'J:,):llA.l:,)S u~o'l alp JO a~treq:l ~ sI :ll:llp 11 'alON :lql JO aI~s ~ 01 P:ll~I:llUn l:l:lIAl:lS treo'l :lql JO S:l~trell:l :llOW 10 auo :lq lQ~rm OSfll :ll:lQ.L "Mlq :llqll:l!]ddy pUll 'lU:lWllilSUI A1Pll:l:lS sIql ':lloN :llp l:lpUn SUOIlll~!]qo ~uPIAlas ueol aSlll3lIOw J:'!tpo S1UJop:'!d pue luawnJlsuI Alpn::J:'IS slql pue aloN aql Japun anp sluawAlld ::J!POpad spa[[o;) WQl (..la:J!Alas tre<Y].. aIp Sll UMOill{) hlIlU:'I aIp uI a~UllQ::J II uI llnsa1 lq~rm aflls y "laM0110g 01 :I:lHOU 10pd lnoql!M S;)W!l alOW 10 ;)UO PIOS ;)q tre:l (luawllilsUI A1Iln:Jas sr41 Ql!M 1alll;)~0l) alON aIp UI lSaJ:,)lU! fEHred II JO aloN at[.1 'a;)UnAaJ.lS JO a;)!loN ~-la;)!^.tas uno'] JO aBunq:) !aloN JO alns 'O'l "81 uO!l:JaS 1apun uOIl1uaya:J:Jll JO aSll:J alp uI Alddl] 10U [[llqS allllsuIal Ollq~P SIlll 'laAaMOH 'palln:l:lO p~q UOP~l;)I;):l:l~ ou J! 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P<lU!l]lUO:l SUO!ll]finqo ptre Sll[1ip HY 'p::lltl:lOI sI Auadold ::Il[l q:lIQM uI uop:JIPspnf ;;Iql JO A\tlI ;)tp pUll Ml]l Jlll<lp<lJ Aq p<'lUlaAOS ;)q [~llS luawllilSUI ,(l!lll:las S!lll 'uO!lJn.I1SUO;J JO salnll !A:nnqU.I.U::lS !MB'I ;}U'U.I::lAO~ '91 :I'1~ 1 r> ~ C10 l... <_~ ,...".11 /ft '101,( C~ 2f70 ~ - - - G ~::r7 :J':f2l}: 043 requires in connection with a notice of transfer of servicing_ If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser, Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instmment, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action, If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph, The notice of acceleration and opportunity to cure givcn to Borrower pursuant to Section 22 and the notice of acceleratiun given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20, 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property, Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) Urat is in viulation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (incLuding, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agep.cy or private party involving the Property awl any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup, G -6(WYl (0005) (f.l Initials; (;(,.-~ Page 12 of 15 SQJ(, Form 3051 1/01 ~ - - - LOlL L90€ W10:i j{){; 9~ 10 0 aBed 190001 lAMI9.<ile ~:SI.!I!UI .iiU!lliOAA\ JO SM-el UO!ldW;)X;) p-e;)lS;)Woq ;)q1 JO ;)nUIA Aq ptre l;)pUn Slqiip lIe S;)AI-eM ptre S;)!re;)l;)l l;)MOllOg "uaAIeM .tt "Me'l ;)lqe::l!lddy l;)pUn p;)llIW.I;)d sI ;);)J ;)q1 JO gUlii.req::l ~q1 pUP. P:ll:lPU:ll S:l:'l!^l:lS lOJ Aped p.l!lP e 01 Pled S! ::J:JJ :Jqll! A{UO lnq 'lU:JWnIlsuI Alpm:JS S!ql ~U!Sl?;:)pJ .1oJ :/;)J -e .l;)MOllOg :liiJeq::l Aew l:lPU;;"l .SlSO;) uO!lepJO::l:ll AUP. 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Al.lado.y: a1fl JO ales pUe luawo.llSlI( Al!.InJaS S!lIl Aq pa.ID;,as smns "Ill JO uO!lll.la[aaa8 uJ nns;u Aem ;};:)!lou all} uJ p;}!Jp;>ds ;>lUp all} a.loJaq .10 uo llneJap 01111 a.lna 01 .unneJ leql (p) pue !p".InJ aq lSOW nneJap at{l lIJ!lIM Aq '.IaMO.l.lOO: Ol uaAI~ sl 3JHOU at{l alep at{l WO.lJ sAep Of ue1fl ssallOU 'alep e (J) !l1"8Jap at{l a.lna Ol pa.lJDba.l uOlpe aql (q) ~lJ08Jap "lIl (8) :AJlJads lIells a;:)llou all.! .(aSIM.lalllO saPIAO.ld Me'} "lqeJHddy ssalun 81 uon;,as .lap un UOn".lalaJJe 01 Jopd'lOU lnq) lUamn.IlSUI Al!.I0:JilS s!t{l UI luaw33.1Se .10 lueU3AOa Aue JO lIJua.lq S,.I3MO.l.lOO: ~U!MOnOJ uO!le.lalaaae 01 .I0!Jd .taMO.l.lOO: 01 aJnOU aAJ~ neqs .Iapua'} .sawamalI !uo!lluap;:);:)y'" :SMOnOJ Sll :l:llgll pUt! lUt!U:/AO::ll:lqUt1j .1;)PU;)'] pUP. l:lMOllOg 'S.lNYN'3AO::> W'MOdINfl~NON \7Gt..J~~8{) 't1 \7 0 ..... - - - 08'7 J",Zt~ - . 04tl Exhibit A Legal Description The land referred to in this commitment is situated. in the State of Wyoming, Coum:y of Lincoln, and is described as follows: PaTt of Section 21, T32N Rll~W of the ~th P.M.. Lin~oln County, wyoming, being more particula~ly described as follows: iiGINNING at a point which is ~320 feet West and 22~ feet south of ~hQ corner common to Secc10ns 15, ~6, 2~ and 22 of said T32N R119W and running tbence S 90000' W, 178 feeti thenee S 0000' W, 213 feet; th~nce S 90000' E, 176 feet; thence N 0000' 8, 213 feet to the POINT or BEGINNING. LESS AND EXCE~~ any of the above described land which may be in the NE~E* of eaid section 31. 0->',J-; f , Spit- ~ - - - LOlL L SOE WJo:l g~ jO 1;~ aGod @ IgOOOI (AM)9-i!D) l:lMOllOa:- (IE;)S) l:lMOllOg- ([R;)S) J:lMOllOg- (fP.~S) J:lMOllOg- ([R:lS) J:lMOllOg- ([R;)S) l<lMOllOg- (IE:lS) J<lMOllOg- (IE;)S) ~.a~;a~ J<lMOJJOg- (re;;ls) '-v~() 217 1I::iIfJ01l: '1 NYI'l'lIM. lhP~")- r J 7J,r [' r} .........,. " : S;)SS;)Ul1M. Ol!lfl1M p:lpIO:l;)I pUtl I;;lMOIIOg Aq P:lln:l;)X;) I;;lPHI AUtl U1 pUtllU;)Wn,llSU! Alpn:l;)S s1Ql U1 P;)U1ElUO:l SlUtlU;)AO:::J ptnl SUll:ll ;)lfl Ol s;);}j'ile ptnl Sld:l:l:lE I;}MOIIOH 'M0'13H DNINDIS AH 1/Gt.:~f;~80 9PO ....... - - - O~j73'7'2{l 047 STATE OF WYOMING, LINCOLN County ss: The foregoing instrument was acknowledged before me this JUNE 0 J., 2001 by WILLIAM L ROGER AND SHELLY D ROGER C.B. NEEL- REINHART. Notary PublIc County of State of Lincoln Wyoming My Commission Expires March 18, 2005 My Commission Expires: 3 ~ I f - 0 -S- (!fl~~ Notary Public 4& -6G(WY) lQ005) @ Page 1 5 of 15 '".1JE~. Fo,m305' 1/0' ~