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Lender's address is P.O. BOX 5137, DES MOINES, IA 503065137
Lender is the mortgagee under this Security Instrument.
(D) "Note" means the promissory note signed by Borrower and dated NNE 14 2001
The Note states that Borrower owes Lender NINETY FOUR THOUSAND FOUR HUNDRED AND
00 /100 Dollars
(U.S. 9 4 400 0 0 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, 2016
(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 box as applicable]:
Adjustable Rate Rider
Balloon Rider
VA Rider
Condominium Rider
Planned Unit Development Rider
Biweekly Payment Rider
(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 transaction 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 not limited to, point -of -sale transfers, automated teller
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 Procedures Act (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, "RESPA" 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(WY) (0005)
Page 2 of 15
Second Home Rider
1 -4 Family Rider
Other(s) [specify]
Initials:`
4
Goa
Form 3051 1/01
i i i
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Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments
due under the Note and this Security Instrument be made in one 'or more of the following forms, as
selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or
cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a
federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer.
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 current. If Borrower 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 in full. To the 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 payable by 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
Initials•
420®6(WY) (0005)
Page 4 of 15
4'1
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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 service used 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 change 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 flood zone
determination, certification 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 objection 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 shall have the right to hold the policies 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 applied 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 in writing or Applicable 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
6(WY) X0005)
Page 6 of 15
0 4 9
Form 3051 1/01
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ag1 jo Aouedn000 s,Iamo-uog 3ululaouoo suoij uasaida.i `01 palnuli mu aIe lnq `apniouT suoliuivasaida.i
IgTlalew •ueo'i ag1 g11M 110iioauu03 ul (uopeuuojul IET1aleui gilm Iapuaq apino.id 01 pailu3 Jo)
Iapual of sivauiams JO uOUEUUO3UT alelnooeui .io `3ulpeaisTui `asigJ iiieualeui aAE3 luasuoo Jo a3paimoU)i
s,lamollog t'11M JO Iamofog Io uouoalip 0111 lE 3upoE sapllua 10 suoslad Cue 10 J M0110g `ssaoold
uollgoliddg 11001 agl 3uunp `J! 1ineJap uT aq pegs .zamollog •uot ;go!Iddd ugo7 mamoaaog •g
•asnuo aigeuoseai qons Sul toads uopoadsu1 Joualui ue gons o1 Ioud 10 Jo amp alp w aoil0u 1OM011og
anl3 Bugs Iapua-t Suadold alp uo SlUOLUOA0lduii 3111 3o iOIJODU OM padsu! Amu Iapua'i `asngo aigguoseal
sell ii n •Ailadold ag1 jo suopoadsui pue uodn sawn algvuoseai a4eui Amu lua3E sit Jo Iapual
•uopuJoisal JO .ileda.i lions
jo uopaiduioo 0111 1o3 uoile3ggo s,1aMO11og Jo panapai loll Si Iamollog `SuadOld 0141 010180I JO ITEda1 01
1ualopJns mu axe spaaooid uopeuuzapuoo .io aouemsut ag1 ji 'paiaiduioo sT 3pom am se sluaui,Ced ssadoid
Jo sauas a xi! 10 luauiad ai3uls a uT uollelolsal pue siledai alit ioj spaaoold asingsip .ieul Iapual •sasodind
qons Io3 spaaooid pomp.' seq Iapuo 3T Aiuo ,fuadold 0111 3uuoisal 10 3uuiudal 1o3 aigTsuodsai aq hugs
10M0110g `filmdold atp `3o 3uiiel alp .io `01 a3uun?p gl1M uolloauuoo ul pled an spaaooid uolieuuiapuoo
10 aouelnsu1 3I •a3uuIEp 10 uopuJo!lalap jaqun3 prone o1 pa3EuiEp Jl iivadO1d 0111 Iledoi Spduiold
pegs IaMO.uog `aupsEaj iCjieoluiouooa loll sT UOT1E101sa1 10 1!Ed01 1011 S uopoas 01 luensind pauluualap
Si 11 ssaiun •uop!puoo s1T of anp PUMA ul 3ulsealoap 10 3Ufl J0ilalap Uiolj All3d01d am luana.id o1 Iap10
uT Alladold aqi ulgluleui pegs JaMO.iiog `Auadold agl ul $nlpisal si 10MO.Jaog loll 10 IaglagJ Suadold
alp uo aiseM 1TuiuIOO 10 aluloualap 01 Auadold am mope `Auadold alp iieduii 10 a3uuinp `Ao11sap
mu hugs IaMO.iiog •suoipaadsul :,C;.iadoad alit Jo uoT ;aaload pug aaugualumgy&i 'uoi ;gnaasaad •i
T lluo° s,lamollog puoSaq ale gotgm ls!xa saouelsuinoilo
3utlenualxa ssaiun Jo `piaggiiM Aigeuosealun aq 10U Begs luasuoo gotgM `3uilum ul soal3e aslm-iaglo
zapua-i ssaiun `Souedn000 Jo alup alp Jape Jea,C auo Seal le 103 aouap!sal iediouud s,Iamonog sE Auadoid
alp Adn000 01 anulluoo pegs pue luatu ulsui S1Tmoas sup 3o uopnoaxa alp Jape sap 09 ulgITm aouap!sal
iedlouud s,1am011og SE zCuadold 0ql asn pue `gspgmsa `Adn000 HMIs IaMOIIOH •,SauudnaoO •9
•anp tram loll 10 Iagla1M `luaumllsui *moas sit'1 10 aloisi am .iapun piudun slunouie BEd 01
.io filmdom am alma' 10 liEdai 01 Iaglia spaaoold aouemsu! 0111 asn ail Iapua-t Suadold am Jo a$elanoo
alp 01 aigeoiidde ale slg3u gons se -iejosui `filmdoid alp $u!lanoo saiM4od aouumsui Tie Iapun (IaMOIIOg
Aq mud sunnuiaid pauleaun Jo punJal J UE of 11141 alp um Iag10) si s,1am011og Jo 101110 Niue (q)
pue luaumllsut iillmoas sup 10 MMON agi 1apun piRdun siunoure 0111 'Nana 01 mu limou=E uE Ui spaaooid
aouelnsul Sue 01 sig3u s,Iamo /Jog (e) Japuaq o1 su3Tsse iSgalag 1aMOI1O8 `asimlaglo 10 ZZ uoTloas
Iapun Alladold 0111 saiinbog Japua-I 3T 10 'lima 1ag1Ta ut •uanl3 sl aollou 0111 uagm ui3aq !pm pouad
yep 0£ ata •uilulo 0111 aillas pue alello2au Amu Iapua'i uagl `UZTeio a arms 01 pa1a3jo set! Iauleo aouulnsu4
alp 1eg1 lapua1 wag aollou a 01 sap 0£ uigl!M puodsal 10U saop IaMO1IOg 3i •sIa11EUi paleia1 pug Uzieio
aouemsul aigEilEne Sue aims pue alEllo3au `0411 Amu Japua7 `Alladold 0141 suopuege IOMOIIOg 3I
Z uoTloas
ut joj papinoId Iapjo 0111 uT paiidde aq pegs spaaoold aoue.msu4 'pus •10M011Og Ol pled `Slue 3l `ssaoxa alp
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 payable, 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 merge 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 the Mortgage Insurance in effect. If, for any reason,
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 Insurance, Borrower shall pay the premiums required 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 equivalent Mortgage 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 reserve in lieu of Mortgage 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
reserve payments if Mortgage 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
Insurance 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 termination or until termination 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 are satisfactory to the mortgage 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 affiliate of any of the foregoing, may receive (directly or indirectly) amounts that
derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in
exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement
provides that an affiliate 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(WY) 10005)
Page 8 of 15
c 5
Form 3051 1/01
LO /L 65OE WJO1
r (l
9 L lO 6 a6ed
(9000) (AM19 WAP
•Z uot3oas ui 10J paptno1d Japio aq3 ut patiddg
aq Hugs A1Jado.1d am jo Jmdai 10 notlm1Olsa1 of patiddg lot" a-y Imp spaaoo1d snoaueiiaosiyAI HHY
•1apua7 of mud aq imp pug pau2tssg Aga.1aq an
A1tado1d am ut Isamu! s,Japual 3o luauutedtut alp 01 aiqu;nquug ai lml sa2gux p .ioj urtgia 10 pigmy Aug
Jo spaaooad Ouj •luaum.tlsui Altmoas sup iapun JO ,Si1ado1d ag1 ut lsaialut s,.tapua`J 3o luauutgdtut
ieua3gtu Jag10 10 ii1uado1d am Jo ainitajmj sapnioaid `luatu4n1 s,Japua1 ut lutp 2utitu g gltm passtuzstp
aq o1 $utpaaooid Jo uotlog aq3 2utsnuo 46i uot3oas ut paptnoad SE a;ulsutai `paain000 sum uotlgiaiaoam
3! `pug linujap y'Tons aino uyo Jamolog •luatunJlsui Alunoas sup .tapun v141 Jo ICuado1d am ut ma'am!
s,Japual Jo luauu1Edun mt.1alytu iagio Jo ,i1Jodo1d ag1 Jo aJnitaj1O3 ut linsa1 pinoa luaui2pnf s,.tapual
UT `1943 un5aq st `igufuuo Jo unto Jatla1M `21.11paaOOJd J0 uouog Aug 3t lingjap ut aq iiggs 1M0110 g
•spaaao1d snoaueiiaos of Nam
m
ut 11013011 Jo 1111 u sg'T aamoJJOg 11101 1SU1 /C1JUd ag3 Jo spaOOO1d snoaugiiaosm 3amOJJOg samo 3gg3
Aigd ptt 'T1 alp stream „Augd 5utsoddp„ anp uagl loll Jo JatlatM luauznilsuI fiitmaas sup Xq pamoas sums
atl 01 so ,Cuadozd am 3o atydai Jo uopg1Olsaa of JO 'T lta spaa00.id snoauuiiaostyAi alp Middy pug loatio° of
pazuoging Si Japuai `uant3 st aatlou am amp am imp sip p£ uitIIM zapua1 01 puodsai 01 sitgj aamo.i.1og
`saigump 103 alma g aims of plume ug 03iow o3 smut) (aoualuas 1xau am ut pautjap sg) ACuud ;iutsoddp
ag3 1m1 Jamouog 01 Japual aatlou ialp `31 .10 `z3m0.110g pauopuggg st iCuadoId ag3 3I
anp uagl are sums agl tau .Jo iaglagm 3uauttulsul Altinoas sup Aq pamoas
sums am 01 middy aq iiggs spaaaoad snoaugipostyAi am `8ut1tiM ut O0.12E as!M.zaglo .tapual pug Jam0110g
ssaiun 'awn ut ssoi so 'uot3otulsap `&1pigl mind ag3 aiojaq Aialytpatuutt pamoas stuns am Jo lunouxg
ag3 uutp ssai ST aniyn ut ssoi Jo `uot1onJlsap igtugd ag3 Oiopaq Aialgtpaunut AlJadozd am 3o amen
10311Eut .nm3 ag1 gOILIM ut ifuado.d alp JO Oman ui ssol Jo `uotlatulsap `2upigl iutumd E 30 1110n0 OM uI
•10M0.1.1og 01 mud aq iimgs aouuiuq ifud •amgn ut ssol Jo `uopotu sap `5uniul Igtuud alp aiojaq
Aialutpat"nut iiltadoJd ag13o ammo 1a)jJgt"i zimj ag1 (q) Xq paptntp ammo ut ssoi Jo `uotlonzlsap Iuplut (ytued
am azojaq kia1mtpatutut pamoas sums am Jo lunotug imlol ag3 (g) :uoppiuj 2utmoiioj ag3 Aq patidtiinut
spaaooJd snoaueiiaostyi aq3 Jo lunoum ag3 paonpaz aq imgs luatunilsul A1t.m0as sup Aq pamoas
sums aq3 `2utli1M ui aat2g astM.taglo Iapua'i pug Jamo.uog ssaiun `ammo ui ssoi i0 `uo10n11sap `2unigl
ietlwRd am aiojaq iiialmtpatuutt luatunUlsui iCltmaas sup q pa.in0as sums aq1 Jo lunotum am U111 Jalga1
10 01 tonba st amgn ut ssoi .J0 `uot1On.t1sap `2upiul mint am aJojaq Ifialmtpaulun Auado.1d am Jo amgn
IOX.reut Jtg; ag3 got1M ut Auado1d am Jo amgn t"t ssOJ 10 `uopanslsap `$upigl i gtugd g 3o 3uana am uI
•Jamortog 01 mud 'Aug 3t `ssaaxa alp
mtM `anp uagl lot" Jo 1aglagm luatuiulsui 'Climoas sup Aq pamoas sums am 01 patiddg aq Timis spaaowd
snoaumiaosm am `zuadozd am Jo awn ut ssoi zo 'uotlotulsap `ffU!) 3 !gm y Jo 3uana alp uI
•Z uot3oas ut 10j paptnord wit) am ut pagddu
aq iiygs spaaOOJd snoaugiiaasty%i gaits •.10M0110g of ptgd `Aug Ji `ssaaxa 0141 g1tm `anp uag3 loll s0 zaglagm
`luatunilsui Altmaas sup iq pamoas sums am 01 middy aq imp spaaaoid snoaugliaostyv aq3 `pauassai aq
mom Xltinoas s,Japua4 Jo aigtsga3 iiiiyatuiouooa loll st m edal 10 u0tlmolsa1 am JI 'spaao0id snoaugiiaostyAi
iga
lions uo Oulu 10 isaialut Cue .10M0110g /Cud 01 palmbal aq loll Ilggs Japual `spaaoold snoauuij0OSij
wits uo ptmd aq of 1saJalut saimbai mg-I aiquatiddd Jo 2ut1TJm ut apmui st luauxaaam um ssaiuri •palaiduxoo
st )i10M am su sluatuAgd ssaId)Jd Jo sat1as g ut Jo luauias1ngstp ai;it"ts m ut uotlgioIsaa pug s1tmda1
alp Joj ,cud Agin Japual •Aildtuo1d ualmuapun aq imp uotloadsut tons 3gg3 paptnozd `uotlogjspgs s,1apua-i
01 palaidwoo uaaq sgg voM 0143 amsua o1 Auado.1d Bons 3oadsut 01 Sltunuoddo uo pgq smg Japua-i spun
spaaoozd snoatigiiaosm lions piog 01 1112T aq3 angg Huts Iapua i `potuad uotlgt0lsa1 pug JiOdat gans 2uTJnQ
•pauassai 1011 st Alunoas s,zapua7 pug aigtsgaj AiigatuxouoOa st .1!EdOl Jo uotlgzolsai aq1 3t &uadoid am
Jo .ngdai Jo uotlgiolsat of patiddg aq IIms spaa001d snoaueiiazsm guns `pagtuep st ,fuado.id ag1 JI
•J0pua'i 01 mud aq iimgs pug 01 patatssg
Agaiaq Ore spaa0OJd snoaumiia0sm :spaa3o1d snoaueiiaasry4i 3O ;uatuuatssy '11
•uoi ;eututaa;
Jo not ;uiiaauea gans ;o auip aq; ;e pauJeaun aaaM imp sutntuiaad aauuunsui aenJoN ifuu Jo punjaa
e antaaaJ o; Jo /pue `i4eat;euto;ne pa ;BututJa; aauBJnsui age3;JOIti ag; anuq o; 'aaueansui a2e2;JOIAi
aq; io uot;uiiaouea ute ;qo pull ;sanba1 o; 'saansoiastp utg;Jaa antaaaJ o; map aq; apniaut /Cum
s;g3!J asag1 •mei Jaq ;o /cue Jo 866T Jo ;o\ not ;aa;oM sJauAOautog aq; Japun a3ueansui 0 1nJOIA
aq; o; padsa. q ;tM £uu Jt suq JaMOJJoa s ;qB!J aq; pane ;ou inM s ;uauiaa.i a gans ,fuV (q)
12. Borrower Not Released; Forbearance By Lender Not a Waiver. 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 Borrower. 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 other Borrower 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 the provisions of Section 18, any Successor in Interest 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
Borrower's obligations and liability under this Security 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 permitted 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 Security Instrument 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 any one 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 address, 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 any one 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.
®6(WY) (0005)
Page 10 of 15
Initials
n�
G53
Form 3051 1 /01
LO /L L9O£ WJOI
s�eiliu�
91. la L L °Bed
(9000) (1,m)9-1:0
ddSd2I uotlruuo;ut raw Sur ptrr aputu aq pinogs sluatuArd gouiM 01 ssarppr am `raafruas uro'' mau
a141 ;o ssarppr pur aureu 0141 owls 'pm t0trrm a$urtio ag1jo aotlou uallum uant2 aq Iitm ramOrrog `ra0lnras
uro-i am yo a2urtp r s1 ara14l ;i •aloN 0141 ;o a'us r 01 palrprun raOInJas urol a141 ;0 sa2ur140 aJ01.11 r0 auo
aq 1q2nu osir wag! a'ggopddy put luatutulsur Alunoas slip `aloN agi rapun suopatJgo 2uppuas
treoj 08u211ouu .taglo sturo;rad pur 3uatunrlsui A3trn0as sup put a10N at 1 rapun anp slaatuSrd otpotaad
mama terry „Jo !ivas uu0'i„ 0tp sr umou)) Smug am ut amp r u! llnsar 1q$ttu ores d •ramoriog
01 aotlou road InogIlm sauzp 0.10111 .Jo auo 'Nos aq tiro (IUOurtulsui Sltrnoas stgl tptm ram1ao1) a10N amt
ul lsaraiul irlurd r Jo aloN atu, •0ouenau9 Jo oat ;oN :JaaptiaS aeon 3o afuega MioN jo aleS .oz
*or uot3Oas rapun uotlrraJOoou jo asto am ul Siddt
1OU TIMIS 03r1sutar 01 UPI SIT `10A0MOg •paun000 purr uopur0'a00r ou ;I sr aAI1OOJJO SIR uluutaJ TWITS
Agamq pamoas suou q'qo put luatunrlsur Sltrnoas sup `Jamurl% ,Sg luatualrlsu!ar uodn •ra;surr,i, spun;
oluorloajg (p) Jo :Slpua ro Aujuluatunrlsul `Soua& Irrapa; r ALT parnsul art sllsodap asogm uopnlpsut uu
uodn umurp st vag0 irons Cur papinord `joa140 s,ralgsea Jo pap s,rarnsra13 p t p lurq `31ootp pappuao
(a) :rapro Sauotu (q) :gsuo (r) :rapua'i Sq paloaias sr 'sum; 2utmojjo; 0141 jo 010111 10 auo ul sasuadxa
per sums luautalulsutar irons /cud raMOrrog 1ug1 aatnbar Arm rapua-r pa2uutpun anupuoa pugs luaurtuisui
/)tunas sup iSq pins sums amt Ard o1 uopr8tjgo s,ramoJrog put `luaumulsul S1lm °as sup rapun sl
puu StradoJd aLil of lsaralat s,aapuari 1ug1 arnssr 01 artnbar Srgruosuar rapual sr aotlou lions swirl
(p) pug luatutulsur ,Slunoas sump rapun sup.' puu ,iu0dord ag1 ut karat!! s,rapual upoalord ;o asodrnd
a141 ro; paJmouf saa; ratpo pug `saa3 uoprn'rn pug uopoadsu! Suadoad `saa; ,s,Sauaollu aigtuosgaa `01
paltunl 1ou 1nq `2ulpnput luaurtulsul Strums st141 2utoaoJua ut parmaut sasuadxa Iju s,Cud (o) :sluaut0ar8r
Jo sluuuanoo raLi10 Sur jo 1jnt;ap Slue 50140 (q) :parm000 prq uotlrrap00g ou ;I sr a1oN a141 pUr luatutulsui
A1lm0as sup rapun anp aq mom ua141 14oIgm sums pr aapua1 s,ird (t) :ramorrog 1gg1 are suotltpuoo
asotJ, •luatutulsui IC1 sup 8upro;ua lu0tu$pnf E ;0 £Ilua (o) ro :a1rlsufaJ o1 1142lr s,r0mor10g
jo uopuunuaai agi ro; A;pads 1g8tuz mu7 a'quol'ddd su pouad ram3o irons (q) :luauznrlsuI Slun0as sup
ut pautuluoo Olrs ;O ramod nitre 01 lurensrnd Slradord 0141 ;0 airs aro;aq s,iup ang (E) :jo lsatjrua 0141 01 road
aural Sue 3E panu!Iuoostp Iuaurtulsui Sumoas sup ;O 3UOtuaOro;11a aim' or 1g2fr x141 aim{ jTRLis r0mouog
`suotltpuoo utuuao sIOatu ramorrog Jr •uot;eaapaay Ja ;3d a ;e;sulag o; ;g3RI seraMOJJOg •6I
•Jamorrog uo puuuzap Jo 0013011 ramify lnomltm IUOtutulsul Altmo0s
stmt iCq palltuuad satpautar Cur allonut Sew rapua' `pouad stmt jo uoprrldxa x141 01 rood sums asa141
/Cud 01 site; 10M0rr0g ;i •luautnrlsui Alun0as sup Aq pampas sums IIu gird 3sntu r0MOJIOg 14 u1gtum
SI uop0as 1411M OOUrpr000E ut u0nf$ Si aotlou amt amp a141 roar; scup 0£ X ssaj mu JO pouad r apinord
hums aopou atji •uotlrraia00u ;O 0013011 ram0J.Og OATS' jjrms rapua4 `uotldo stmt saspraxa rapu0'i 3I
•mEZ ajquotjddy
iiq paitgtgord st 3st0r33a wits ;t rapua'i pasIOraxa aq 1ou purrs uotldo sup `ranamoH •luatutulsuj
Alunoas sup AI pamoas stuns HE ;O IIn; 111 luatuArd alrtpatuurt artnbar Xutu rapual `luasuoO ualltrm
rood s lnomltm (parra;suurl Jo Nos s1 ramorrog ul Isamlut Irlot;auaq r par uosrad Trmluu r 3011 s1
1OMOIJOH JI Jo) parra;surrl ro pros Si iilradord 0141 11 1 lsaraIul Sur ro iivadord amp jo Ind Cur Jo III Jr
•rasr14Omd u o3 amp arnlfy r 111 ramorrog ifq app jo raysuerl amt st tpurm jo maul! 0141 `3uama0rRe morosa
Jo 101111100 sajrs luatujlrlsuf 'pap 1O; 301111100 `paap ro; puoq E u1 parra;surrl sisaraiut prppauaq asoml `03
potful!' you 1nq `8U pni0ut `Suadord x141111 3sar01ut Ittogauaq ro regal fur saratu „Stradord a141 111 lsaralul„
`81 uotloas si141 ut pasn sy •.OMOJJOg u! ;swam Iep!Jauag a ao Spadoad aq3 Jo aaJsuuas •lit
•luaunulsul ISltrn0as sup jo par a10N 0141 ;0 iidoo auo uant5 aq Hugs ramoIIOg •,fd03 Ma/140.1.10g 'Li
•uotIOE Sur 01u1
01 uopa!'go fur 1no1411m uotlar0slp Ojos sant2 „Sul u prom am (o) put -rsr0n aOTn puu Irrn'd 0141 apnput
puu mate hugs rulndu1s 0141 111 sprom (q) :rapua;y aututuza; alp ;o sprom JO sprom ralna11 gutpuodsarroo
apnput put maul 'lugs rapua aulrnmsuur 0141 ;o sprom (E) :luatutulsui Sl s1141 uf pasn sy
°uotstnord 2upolpuoo x141 lnomltm 1oa; ;a ua/4
aq auo 14OI14m aIoN 0143 Jo luatufzlsu1 Atriums sup ;o suotstnord ra1410 100; ;u 1011 Ijrgs 101puo0 Ions `mg-1
ajgrotjddy 1411M slotj;uoo a10N 0111 ro luatunrlsuj ))tunas slit ;o asnrp ro uO!s!nord Sur 18 liana am
ui •101111100 I11atuaar$u lsutESE uoulgnTord r sr paruisuoo aq 1ou fags aOuajts Lions lnq `maps aq Iqpul
if ro IOtrluoO Aq aaJ8r 01 sawed 0141 moist Allp!jdut! 1O Aptotidxa 1tl8tuz 14111 ajquotjddy 1111 ajgrogddy
;O suotlulfalj par sluatuarmbar Sur o3 loafgns 0113 laauuulsur 411100S sttp 11t p0ureluoo suopu3i1go
Pug 5114811 'IV •PalEOOJ st AlradoJd 0143 140114M 111 uopp!Psunf 0141 ;O mu” 0141 par mrj Ilrapa; paurano8
aq imp 3uatunrlsul Slun0as si14,I, •uol ;ana;suoD 3o son :,531'tgeaanas :Mr-I 2u1UJanon •91
tt-'
3 9 4 7, Cji
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 Instrument, 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 given to Borrower pursuant to Section 22 and the notice of acceleration 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) that is in violation 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 agency or private party involving the Property and 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.
1/2)®6(WY) (0005)
Page 12 of 15
Form 3051 1/01
LO /L LSOE 'mod
:s)ew
9 l ;o E l e8ed
moo) (AM19 cNiW
•guiuuoJCM 3o smut uoilduuaxa
pua ;somoq aq; Jo anlatn Sq puu aapun sig2ia itu santum pue sonata.' iamoa.iog •saanieM Z
meZ aigeoiiddd aapun papuuuad si aaj aqi jo guIgiugo
agl pue paaapuaa saopuas io3 'Curd patgl e of mud si aaj aq1 ji iituo inq luauunu ;sui 'ilianoaS sup 2u!suaiai
ao3 aai u aamoaaog a2Jugo .iapuaj moo uonepaooaa Aug pied hugs iamoiiog •luaultuisul Xiiinoas
sup asuataa its aapual ;uauntusuI Xlimoas sup Aq paanoas sums tit jo luaupfud uodn aseaiag •£Z
•;i o; pal;i;ua Lilu3al suosaad ao uosaad ag;
o; ssaaxa Slue (a) pug :;uaumansul S;ianaas slq; fq paanaas stuns Hu o; (q) :saaj ,siCau.io ;g aiquuosuaa
'o; pa ;null ;ou ;nq 'Suipnpui 'ales alp jo sasuadxa llu o; (u) :aapao 21.4uoIIo3 aq; ui paitdde
aq Hugs its aq; jo spaaaoad aq,L •ales ,fug ;e ,Cpadoad aq; asrnp.md Aeuu aaugtsap s;i JO aapua-I •me-I
algeoilddv Sq pagvasaad aauuuuu aq; ut Nos aq ;legs S;aadoad aq; puu 'ales jo aai;ou aq; gsilgnd
Hugs aapuaZ *ST uot;aas ui pap;Aoad aauueui aq; u; aamoaaog o; ales aq; jo aat;ou an13 hugs aapual
•me•I aiqual ;ddy g;im aauepaoaau ui ;uaaa3mp .Ii aq; jo uoIssassod ui uosaad aq; o; puu
aamoaaog o; asolaaaol o; maul; 3o aai;ou ani;l hags aapuarl 'ales 3o aamod aq; sa3lonui aapua' ]I
•aauapina am; jo s;soa pug saaj ,siCauao ;e algeuosuaa
'o; pawl!! ;ou ;nq 'guipnpui `ZZ uoi;aas spy uu papinoad saipatuaa alp guinsand ul pa anti sasuadxa
IIg ;a3lloa o; pal;i;ua aq ilegs aapuarl •MwI atgeaitddv Sq pa;;nuaad saipautaa aaq ;o Aug pue aces
jo aamod ag; a)lonui Sut u pug pueutap aag;anj ;flog;im ;uaiuna;sul ,f;ianaas sig; £q pumas stuns Hu
jo and ui ;uaui,fed a;gipauaui aainbaa Seat uoi ;do s;i ;g aapuarl 'aagou 34; ui pagpads amp aq; aaojaq
ao uo paana 3011 st ;Inelap 34; 3l •atgs pug uoi;gaataaau o; aamoaaog 3o asuaJap a3410 ,fug JO ;inejap e
3o aaua;sIxa -uou my passe o; uoi;au pima u guuq o; ;Op ag; pue uoi;eaalaaau as ;3e wimp.' o; 11181a
aq; jo aamo.uog uuolui aagpn3 hugs aai;ou aq •Suadoad all jo ajgs puu ;uauuna;sul S ;iana3s sig;
fq paana3s sums aq; jo uoi;eaapaae ui ;tnsaa Sulu aai;ou aq; ui pamaads amp aq; aaolaq .to uo ;IneJap
ag; 3ana o; aanl uj ;eg; (p) puu :palm aq ;snub ;Inujap aq; gaight Cq 'aaMoaaog o; uanI3 si aai;ou aq;
amp am tam sA p OE beg; ssai 3011 'amp a (a) :;inujap 34; aana o; paainbaa uoi;ae aq; (q) .31flBJap aq;
(g) :Sjpads;legs aai;ou agy •(asivaaq ;o sapinoad me7 alquaitddv ssalun gl uoi;aas aapun uoi;eaalaaae
o; aoiad ;ou ;nq) ;uauuna ;sul ,f;unaas spy ui ;uauuaaagu .to ;ueuanoa Sue jo gauaaq maMoaaog
gutMottol uoi ;11.13(33311 o; aoud aaMoaaog o; aai;OU ani3 hugs aapuarl •saipatiag :uou;eaalaaad •ZZ
:smoitoj su 33J 1 puu lueuanoo aag;an3 aapua-i puu aamouog 'S,LNIVN AOO Y'11IOdI1■Ifl
9q9
L 1 4
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this
Security Instrument and in any Rider executed by Borrower and recorded with it.
Witnesses:
(32)®6(WY) (0005)
Page 14 of 15
aiNV
PAMELA J HR KA
f et,g, (Seal)
RANDAL J HR KA Borrower
f Y
3
(Seal)
Borrower
(Seal) (Seal)
Borrower Borrower
(Seal) (Seal)
Borrower Borrower
(Seal) (Seal)
Borrower Borrower
Form 3051 1/01
LO /L L90E WJOi
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N IODN2'I `OIsIDSSOAM 30 aIV.Ls
O`7'92`
ALTA COMMITMENT 1982 WY
The land referred to in this commitment is situated in the State of Wyoming, County of Lincoln, and is
described as follows:
That part of Section 9, T31N R119W of the 6th P.M.,
Wyoming more particularly described as follows:
COMMENCING at a point
SE4NE in said Section
thence West 15 rods
thence North 16 rods;
thence East 15 rods to
SCHEDULE C
the POINT OF BEGINNING.
6 5 9
Commitment No.: FA 7808 OM
30 rods west from the Northeast corner of the
9 and running thence South 16 rods;
l
Lincoln County,
11
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L6ZL LZ91008) SWHO3 3OVDllJO1A1 dWA (8000) kiL9t20
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„"Auadotd„ am se luaurntisul Slitnoas 0111 pus tapig Iiliuisd b -1 sup ui
01 pauojai are (motional a uo si luaumtlsul XlunoaS 01113! alsisa piogassal am to) luauintisul Alunoas aill
ut paquosap ,ivado1d ails qum iagia201 3uio2at03 agi 3o !Iv °luaumtisul Alunoas am icq patanoo Suadotd
a1113o ued a uieuiat pus aq o1 pump aq imp 'maw suopippe pue sivauiaogldat 2uipnloui `11oitm 3o Ile
`s2uuanoo ioo13 pa11osue pus 2uipued `slauigso `siottiiu manly `spot uieuno pue suieuno `sapegs `spuilq
`suaaios `stoop uuols `smoputm uuois `s2uiuMe `siak p `siagsem `slesodstp `sta11sem11stp `stoletai1Jat
`sanols `sauei `s3iuis `slasolo mum `staleag talem `sgnl 11leq `2uiquinld `snleredds lotluoo ssaooe
pue iiiunoas `snietedde SuigsinVuilxa pus uouuanatd an 1011 pus tie `ialem `se$ `Aliouloala `2uii000
`2uileaq 2uilnqulsip to 5upfiddns 3o sasodtnd am to3 mom `oi painuii iou inq '5uipnloui `iivadotd
am 11um uoiloauuoo ut pasn aq of papualui to `pasn to `uo `ui paleool ial ;eaiag t0 mou tanaosietm
atnlgu titans 3o spool pus saoueildde `sleivaieui 5uiplinq :luaumtisul iilunoas 0111 liq patanoo ,ivadotd
oip aln1i1suoo oslg Begs pus `uoudiiosap Suadotd a111 01 pappe are sainixt3 ate tiagl lualxa ails 01 Auadotd
0111 01 mom ta138atag to MOU suiali uimollo3 agl luauinllsul tiutnoas otp ui paquosap tivadotd 0113
01 uoilippg uI LAI I Tffl LSI�iI A LS aiii O,L ,LOafff1S 'IVNOIIRKIV 'V
:smollo3 se 0aae pue lueuanoo tagun3 tapua pug tamottog luauiiulsui
tilitnoas 0111 ui apeui sluauiaat'e pug slueuanoo am 01 uoiiippe u
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paleool pug ivaunuisui tilunoas aql ui paquosap tivadotd 0111 Suitanoo pug alep acres a1113o „tapuarl„
0111)
DNI 3DYDS21OW MOH ODUINdd SZ`IaMoi NON s,tamott0g atnoas
of tamottog„ am) pau2Istapun aii tiq uant alep auigs alp 30 („luauintlsul tilitnoaS„ alp) paaQ �litnoas
JO lstu 1 3o paaa `o2e2uoysl 0111 luauialddns pus puauie o1 pauiaap aq Hugs pug olui paletodiooui s! pug
TOOZ 'aNllt' 3 /CRP HLVT si11i °Pgui si 2IdaRI A"III'IVYd b-I SIHI
frtoroCr ,P
t-OLT£- 13.0T 8S889L8
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B. USE OF PROPERTY; COMPLIANCE WITH LAW. Borrower shall not seek, agree to or make
a change in the use of the Property or its zoning classification, unless Lender has agreed in writing to the
change. Borrower shall comply with all laws, ordinances, regulations and requirements of any
governmental body applicable to the Property.
C. SUBORDINATE LIENS. Except as permitted by federal law, Borrower shall not allow any lien
inferior to the Security Instrument to be perfected against the Property without Lender's prior written
permission.
D. RENT LOSS INSURANCE. Borrower shall maintain insurance against rent loss in addition to
the other hazards for which insurance is required by Section 5.
E. "BORROWER'S RIGHT TO REINSTATE" DELETED. Section 19 is deleted.
F. BORROWER'S OCCUPANCY. Unless Lender and Borrower otherwise agree in writing,
Section 6 concerning Borrower's occupancy of the Property is deleted.
G. ASSIGNMENT OF LEASES. Upon Lender's request after default, Borrower shall assign to
Lender all leases of the Property and all security deposits made in connection with leases of the Property.
Upon the assignment, Lender shall have the right to modify, extend or terminate the existing leases and to
execute new leases, in Lender's sole discretion. As used in this paragraph G, the word "lease" shall mean
"sublease" if the Security Instrument is on a leasehold.
H. ASSIGNMENT OF RENTS; APPOINTMENT OF RECEIVER; LENDER IN POSSESSION.
Borrower absolutely and unconditionally assigns and transfers to Lender all the rents and revenues
"Rents of the Property, regardless of to whom the Rents of the Property are payable. Borrower
authorizes Lender or Lender's agents to collect the Rents, and agrees that each tenant of the Property shall
pay the Rents to Lender or Lender's agents. However, Borrower shall receive the Rents until: (i) Lender
has given Borrower notice of default pursuant to Section 22 of the Security Instrument, and (ii) Lender has
given notice to the tenant(s) that the Rents are to be paid to Lender or Lender's agent. This assignment of
Rents constitutes an absolute assignment and not an assignment for additional security only.
If Lender gives notice of default to Borrower: (i) all Rents received by Borrower shall be held by
Borrower as trustee for the benefit of Lender only, to be applied to the sums secured by the Security
Instrument; (ii) Lender shall be entitled to collect and receive all of the Rents of the Property; (iii)
Initials:
e (0008) Page 2 of 4 Form 3170 1/
IMO
LO /L OLLE Wio
If
•luatun.psui Animas alp A palliuuad saipautai aql
jo Atm aplonut iiuuz iapual pug luaturulsui Altmoas alp 1apun Inapt E aq Augs lsaaaittt ue sgg zapua7 gotgm
ut luautaa12g so apou Aug .1apun goga1q so 1ingEap s,iamo.uog 'NOISIAOIld I fId3a(-SSO2Il 'I
iltt3 ut mud axe luatun.usui
Anmoas agp q pampas sums ag1 iig uagm algutuual slugs Xuadotd agp jo sluag jo luauivatsse stg.L
•lapua 30 Apauiai .ro 11211 Jag10 Aug algptlenut Jo 1lnejap sure antgm JO amo 1011 imp small jo uotlgotiddg
1Cud moot) llnujap g uagm aunt Aug 1g os op deer `zan!aoai palutodde Aiteiatpnf a so sivag s,iapua-i JO
`1apuai `1anamog •1am0ztog 01 ilnejap jo aotiou 2utn0 .ta13g io aaojaq Auadoad ag1 utglutum zo 30 Tolima
av) `uodn Jam o1 paztnba1 aq 1011 slugs `1antaoa.1 palutodde Allutotpnf u Jo spuau s,zapuarl so `.iapual
•gdgagiud sup Iapun
slgSta Si! gutstozaxa tuo.1j Japual luana1d pinom wgp you AIR `uuojJad lou limn puu `pauuojzad lou seq pug
small aq1 Jo mautu2tssu loud Aug palnoaxa you sue zamozzog lg111 Siug.uem pug sluasaldai .ramauog
•6 uotloas o1 lugnsand matuniisul Alunoas agl pa1noas .zapual 01 iamotxog jo ssaupalgaput
atuooaq llggs sasodtnd dons .toj .apual Aq papuadxa spun] Suu small atlp 2utloaiioa jo pug Suadoid
atl1 $1.1t2uugur pug Jo !ammo guplm Jo moo aril .1an0o 01 luatogjns 1ou a.tg ,iu3d01d ag1 small ag13I
•Alunoas sg Suadoid alp jo Aognbapuut
at 1 01 su 2utmogs Aug inogitm ifuadotd alp wag panuap s1t4otd puu sluag aril mama pug iivadotd ag1
aguuur pug jo uotssassod av1 of palutodde Jantaoar u anug 01 palltiva aq hugs aapua7 (IA) pug `.pantaoaa
Aliunlog small °sum quo .roJ iun000g 01 alqutl aq Begs Jantaoa1 palutodde Xllgtotpnf titre 10 slua& 5 1apua
`Japua- (A) :luaunuisui Aptimas agp pamoas sums alp 01 um') pug `Auadotd agi uo sa ago zaglo
pug sivatussassu `saw) `stunimaid aouu.msut `sisoo aotreualutgur put: ztedaz `spuoq mantaaat uo su nturald
`saaj s,zantaoa.r `saaj s,Iiauaollu `01 paptmti 1ou inq `21.tpniaut `duals aril gutloalloo puu ,ivadoid alp
gut$gtreur puu 30 loaluoo Jo mop ag1 01 lug patiddu aq hugs mar s,1apua zo aapuai pampa
small 1t11 `astmaaglo saptno1d mul alquotidde ssalun (nt) `ltteual at1101 puuurap ualltam s,.tapua1 uodn quay
s .Jo .rapual 01 ptudun pug anp small llg ,Cud hugs ,Cuado.1d a 1130 tuna) gaga 111tH saaag aamortog
9
:wpm
1710 g abed (2000) HL5 P
1 di
G6,s
BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this
1 -4 Family Rider.
1457R (0008)
(Seal)
Borrower PAMELA J HRUS
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
(Seal) (Seal)
Borrower Borrower
Page 4 of 4 Form 3170 1/01