Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
872135
Return To: WELLS FARGO HOME MORTGAGE, INC. 3601 MINNESOTA DR. SUITE 200 BLOOMINGTON, MN 55435 Prepared By: WELLS FARGO HOME MORTGAGE, INC. 1919 DOUGLAS„ OMAHA, NE 681010000 DEFINITIONS 872135 [Space Above This Line For Recording Data] MORTGAGE (A) "Security Instrument" means this document, which is dated MARCH 14, 2001 together with all Riders to this document. (B) "Borrower" is RANDALL LAMPE A MARRIED PERSON Borrower is the mortgagor under this Security Instrument. (C) "Lender" is WELLS FARGO HOME MORTGAGE, INC. WYCM- 3051 -C Lender is a CORPORATION organized and existing under the laws of THE STATE OF CALIFORNIA WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT ®61WY) (0005) Page 1 of 15 Initials: VMP MORTGAGE FORMS (800)521 -7291 RECEIVED LINCOLN COUNTY CLERK BOOK 461 PR PAGE u 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. III 01 tIflR 15 FM 1:50 JEAI'JN KEI1 MERER, WYOMING 11 1 Form 3051 1/01 1 1 11 1 11 L0 /L L90E wioj 5l )o Z Geed VdSg2I Japun „uuoi a2B5uout palelal A1ig1apa3„ se i3TJEnb 1ou sop ugorl ag13i uana „utol a3e2uoui pomp/ SiielaPa3„ a of p1aa1 ui pasodtut ale imp suououisai pue sivauualtnbal 11g 01 S1aja1 ddS�21 luatutuisui Slilnoas sail ui pasn sd •1a11eui loafgns antes ail sulano2 lecp uopulaa1 10 uoiwTspal lossaoons 10 leuotllppe Cue 10 'amp 01 aulp map papuaure aq 11121111 ,fags se `(OOS£ 1Igd '2I d 17Z) x uopgln2aj `uouuln2a1 2upuauuajdtui sit put (*bas la um uO11oaS 'YS'11 Zi) 1oV salnpaoold wawa 1113S awisg !Ewa ail rsueaul „vasaNii (Q), •luatutulsui A1Tlnoas sup 3o uopoas lapun slunotue ,Cue (it),s,1jd `aioj\l alp lapun isalaiui pue ledTouud (T)1oj anp iunoure painpagos A11einBa1 aql steam „luautAttd alpoiiad (iii) •ugori ag1 `uo ilntpap 10 `3o ivatuSeduou at11 lsuleVe iapua-1 &upoalold aouvinsut stream „aaueansuI.a ral.tolAl„ (Ni) •Suadold aq1 Jo uompuoo 10 /pun amen aril `01 Se SUOISSTUIO 10 `10 suotwivasaldalsIU1 (Al) 10 :uotleuulapuoo jo nail ui aoueSanuoo OH) !Suadoid ag1 jo Ind iiUE 10 HE 30 Supjg1 1ag10 10 uoueutuapuoo (TT) :filmdom at11 `Jo uopotulsap 10 4 01 aEUJEp (T) :1oj (S uopoas ui pagposap saElanoo alp lapun pied spaaoold aouElnsu! UEg1 1at11o) Sued p1tg1 Cue Act mud spaaoold 10 `sauulep jo p1BME 'mammas `uopESuadwoo Cue steam spaaoold snoautt11aasry1l„ ('I) •E uopoas ut pagposap ale w stual! asotp sutaut „sulan Monsj„ (N) •slaJsuell asnog5uutalo palutuolne pue `S1aastre11 a1!M `auoildalal Sq paleiuui S1aJsuu1 `suopoesue11 auig0EU1 131131 palguuoute `slaJsue11 aies- 3o -lutod `01 pa1TU1i 1ou sT inq `sapnput ut1a1 ions •lun000e ue imam 10 Rap 01 uopnlpsuI lttoueu!J a azpogine 10 lonlisut `lapin o1 st os adel onatautu 10 `laindtuoo `luatutuisui otuotidaiai leuttt11a1 olU011oa1a ue tOn01g1 paieIRt sT goTgM luauunllsut laded mums 10 'Imp `ploatlo paleutWu0 uotloesueil E uugl 1ag10 `sputtj 10 1aJsutll Sue strum „1a;suttls spung Nuculaan3„ (f) 'uopez uea10 1Elt11!S 10 UOi1E100SSE slauMOautog `uopeioosse tuntu tuopuoo a ,iq Suadold ail 10 1aMO11og uo pasodun ale imp salmi° 1ag10 pug s1uat1SSasse `saa3 `sanp le smut „sluatussassV putt 'saag 'sang uopepossV Aliununuoa„ (1) suoiutdo mown{ ajgEleadde -uou 'pug aigeogddd 11E SE i13M SE (MEI J0 1oa33a 3q1 angg Mil) S10110 pug saitu ant1t11s!UTUlpe pue saoueutplo `suopEln2a1 `sa1n1e1s Fool put awls lelapaj ajgEogdde $UT11o11uoo t1g sueauu „mtt7 algttailddV„ (11) Bd GIN .1.64211X21 XVL [1Jtoads) (s)1ag1p n 1a1 F luaulSed ICJ)laamtg 1 ap 1 2I VA 1ap1g /ilnugd 17 1 aP �2i luatudolanau 11tH pauueld 1ap1g uooiieg Japtg auloi-i puooas 1°PTg tunluluiopuoD 1apmg awl; aiq isnfpV 1C0 (9000) (AM►9 etj [a1Qeoidde sE xoq vow] 1OMO11og sq painoaxa aq o1 ale s1am 2u1M011oJ ags •1aM011og Aq palnoaxa a1E i luauunllsul ,i1►1noaS sup 01 slam 11E sueaul „saapm„ (D) •1sa1a1u! snid `1uau1n11sui'ilunoaS sup lapun anp stuns 11e pug `a10N Japun anp saSlego awl pue sa2Jego luauuhdaid Sue Isamu! snid `a1oN ail Aq paouaptna lgap aip sueauu „utto7„ (,I) Suadold aq1 u1 s1gft3o 1aJsuE1Z„ uipeaq a T1 lapun Mo1aq pagposap Si wg1 Suadoid ail stream „Spadoid„ (a) 1E0 Z 'TO 'I nd? uugllalel IOU TIn3 uT igap atp 'fEd o1 pure sluauuICed o!pouad 1Eln2a1 uT lgap sup iCed o1 pasTUlold seg 1a '°11og isa ialut snid 00' 0 0 0 'ITT**** S' fl) s1g11ol 001 0 0 atw armsnoH.L NRAZ'I8 ua laami aao lapual saMO 1amo11og 1eg1 sawis aloN agZ T 0 0 Z i+T H32IKL4 PawP pug 1OMO11og pau2Ts a10u ,(1ossuirold ail stream „aloN„ (Q) •luaumllsui Sitlnoas sup lapun aa2e2uouu a I1 ST lapual LETS90EOS VI 'SaMION Sala LETS XOH 'O'd si ssaippE s iopua7 08'72135 TRANSFER OF RIGHTS IN THE PROPERTY 032 (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the following described property located in the COUNTY of LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] LOT 603 OF THE BRUCE DANA SUBDIVISION TO THE BEDFORD TOWNSITE, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. THIS IS A PURCHASE MONEY SECURITY INSTRUMENT. TAX STATEMENTS SHOULD BE SENT TO: WELLS FARGO HOME MORTGAGE, INC., P.O. BOX 5137, DES MOINES, IA 503065137 Parcel ID Number: 06201.00 which currently has the address of 226 A STREET [Street] BEDFORD [City] Wyoming 83112 [Zip Code] "Property Address TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this (0 6(WY) (0005) Page 3 of 15 Initials: Form 3051 1/01 L0 /L LSOE WJOI a1e!11u1 5l to q eBed 150001 (AM/9 :0 siunotue anp `aigrAud atagM puu uagt `Siloartp fed IIEns J0M0110g `aanigM tons jo Juana atl ui SutluM ut aq Aiuo AEmu 1 AIRM tons iiud •atuif Aug 1E swan Morsg HE so ioj spund .iapua'i of tCEd of uouleSligo s ani_eM iapua-i 'swan Moaosg HE zo duu Joj spung at1 /Cud of uoilu$iigo s,.tamouog santEM iapua ssaiun small Mozosg .ioj spund atl Japua'i Aud Huts aamortog •uoiloas sing iapun pird aq oi siunoux jo saotlou qE Japua-i o1 nsitunj Apdtuoid IIEts .zamo.uog quail moiosg ue aq Hugs sluatussassE pue saaj `sang tons puE `aamonog Act pamozosa aq glue 3i `sluatussassy pue `saag `sang uotlrtoossd (iiununuop let1 aJlnba.t hut aapuari `ueol ant Jo total ag1 Suunp au Sur 1E so 110p211Iu0 IV ;swan MODS paiiEO aJE swat! asati, •pi uoiloas Jo suoistnoid at1 giuu aouupaoam ut sutnnuatd aoueinsui aSES 1oyv 3o fuatuhd atl jo nail ut aapua-i o1 zaMOUOg ,iq aigEhd stuns Aug JO glut J! `swniuzaid aoumnsui aSuSuow (p) puu tS uoiloas lapun .Iapua-i paimbaz aoueinsui lie puu Aug .ioj suinttuatd (o) !Sur 3i `Suadoid ati uo slum puno1S JO sivatuAEd pjonaseai (q) agl uo aouriqutnoua JO uall u se luatutulsui iClilnOas sigi nano ii1Uoiid mum uEO LOCUM swat! into pue sfuatussasst pue sorrel (e) :xoj anp stunotue jo luatuArd Joj apino1d o1 „spund„ atl) tuns E `lln3 ul pied st atoN aril loon `afoul at1 Japun anp atE sluatuiiud oipouad harp agi uo 1apual 01 hd liens aamouog •stualI Moa3Sg ao; spun3 •sluatu/ Ed oipouad alp JO lunouie at1 auto o 10 `amp anp atl auodisod 10 pualxa lou huts a1Ol i aril .iapun anp IEdpupd of spaaoold snoauEiposij, JO `spaaaoid aour1nsut `sluatuAEd jo uot1EotiddE Auy •afoM ant ui paquosap se uatl pue saSi tp luatuhdaid Cue of lug patiddE aq IIEgs sivatuhdaad £n iunion •anp sat-iEno ales Niue of patiddu aq hut ssaoxa gons `sivauthd otpotiad atom 10 auo jo luatuhd HT aril oi pond& si luatuhd agi .tal3e slstxa ssaoxa AuE 1Et1 viatica atl of lln3 ul pIEd aq ueo luauxhd nora `1Et1 wawa anp 01 pug `3i sluatuAed oipotiad at1 jo ivauthdat alp 01 aamo.uog tu0g pantaoai luatuhd nitre Aid& htu Japuari `Sutpueislno st luawhd oipouad auo uugl wow 31 •aateto ales at1 pur fuatuArd luanbuilap ant 01 potid& aq ABM luatuhd agi `anp aSzEga afej ,lug SEd 01 lunotue luaiagjns E sapnput goigM luatuhd otpotJad luanbuiiap E .101 13MO11O11 tuol3 luatuAEd a santaoat 13p1131 •aloN agi jo aottejEq IEdiouud atf aonpa1 o1 tram ptte `luatun.tlsul Aliznms sigi Japun anp slunoure aatlo SSE 01 pumas `sa ngo am 01 is.tg patld& aq irens sumo= Suiuteutaz Aud •anp atuEOaq 1! goigM ut Jap.to atl ui luatuhd otporiad toga of patiddr aq hens sluatuhd tons uoiloas Japun anp sfunoutg (o) `.aloN at1 Japun anp IEdioui1d (q) `a10N ant .Capon anp lsatalu! (E) :i(luoud ;o Jap10 Sutmoiioj aril ut middy aq liens Japuarl Aq patiddr pue paldaoog sfuauthd HE 'Z uoiloas sits ut paquosap as!M.tatlo se ldaoxg •spaaaoad .10 sluaudua Jo uogsaliddV •z luatuntlsui z(ltxnOas mil Act pamoas sluatuaa1Se puE stuEuanoO alp 2uttuao31ad 10 luauttulsui Animas sits pue aloN ant iapun anp sluaut,ied SuDietu tuoij iamonog analta1 Buns lapual 1sutESe aminl at1 ut JO Mou anrn 112tut laMO3log gottM tuIEp .JO ow oN •atnsopalo3 01 lotid Aialrtpatutut a10N aril .tapun aouEjEq IEdi3uud 2uipuulsino ant of paiiddE aq !pm spunj tons `Jaiilga paiiddE 1ou 3i •.1OMO1.10g 01 tua twat JO spunj tons Aidde _tamp Huns zapual `aunt 3o pouad aiquuosuai E uitilUM os op loo saop JaMO110g 3i manna tmo' alp &Iuq 01 luautked salmi J3MO1.10g !pun spunj paiiddgun tons pion Amu iapua^i spunj patiddeun uo 1satalul Aud loo paau Japua1 imp `amp anp pompanos sit Jo sg patldd& st luatuhd O!Potzad toEa 31 •paldame 01 s1Uauthd tons aunt ant 1E sivatuiiEd gons Aidde of mango 1ou st Japua1 lnq `aznlnJ ant ut sivatuhd mind zo luatu1fgd tons astyai of 5114 !1 sIt of aotpnfard zo iapuna.tati s142!1 Aim Jo zan!EM lnotll!M 'manna uEO1 ant Sutiq 01 luaptjnsut luatuhd it rind 10 luatui(Ed Aug 1dao3E hut lapual lumina uuo'i aril Suuq of 1ua!OgJnsut air sfuatu 1!d igtfjgd so lu0111AEd aril jt luatuhd mired Jo tuatuhd Cue tunla.t hut .tapua7 'SI uopoas ut suotstnozd aotlou alp g1!M aouEpi000e ut iapua7 paluuStsap aq Amu sE uotlgooi .tango tons 1r 10 aloN aril ui pa1EUStsap uoi1EOoi'ant fE pantaoai uaIM Iapual ,iq pantaoai patuaap air sluatu1frd •Iajsumi spund otu011oaig (p) JO `A111110 10 `Altieluaunulsut `XouaSE imam Aq paznsui a.tr slisodap asotiM uotlnlilsut uE uodn uMEZp st pppato lions Suu paptnold `Vioan° s,aattsE3 so )130tH s,iainsgatl `rano 3iueq `)pato patjtuao (o) `..0 1O Sauotu (q) :4SEO (E) :Japual Aq poops sr 'suuoJ 5utmotlo3 ant Jo 0I0111 10 auo ut am' aq luatutulsui iCfunoaS sttl pue aloN 0141 .Capon anp sluatuhd luanbasgns HE so iiur 1et1 annbat Amu .Iapua-i `piEdun Japua' of pautnlaz st luaunufsui rilttnaas qt 0 87z1.35 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 c> 6(WY) (0005) Page 4 of 15 Initials:[/ 03 Form 3051 1/01 10 /1 LS0£ W10j S1901U1 9 t 40 9 0139 (9000( (AM19 am $utJtluapi aoilOU E JamOJJOg aA1V Amu Japua-1 luaunulsul 141no0S sill JOAO iilt10UUd urellu Ue0 gOUIM uaq E of loafgns st Auadold atp jo uod Auo Toil sauiuualap Japuarl 3i •luatutuisul Altlnoas sup of uaq aqf Vupouipiogns aapua-1 of iiaoloojsnos luauiaa420 tre uaq at i jo Japjoq am mop salnoas (o) Jo 'papnpuoo 910 autpaaooid gons Iilun Ajuo lnq iutpuad are s3uipaaoold asoi i alu p uail am jo luatuaoiojua ail luanald Ol am ado uotutdo s,Japual ui goi44M sauipaaOOld 402a4 `ui uail alp jo luauiaaiojua isuiao spuajap 10 `sq gire3 pool ui uail atp sisaluoo (q) :ivatuaai2E ions 5utuuo3Jad s! Jamouog sg duoj os Apo lnq `iapual 01 aigeldaoog 1auuEUi E ui uaq am painoas uon ilgo agi jo luaulAud am of 2upum ut saaae (u) :1amo11og ssalun luatunllsul Ai sup Jam) Aluoud sg44 go!gm uail iiuu a5.i osip Apdtuoad pegs JaMOJJOg uopoas ut paptnold JauuEui ail ui mail AEd hugs JamoiJOa `small momma an sum! asagi imp wawa alp oy •Aug 3i `sluauissassy puu `saag `sang uoiluioossy ifitunmuioj pug 'Au 31 `Auadold ail uo sluaJ puno1 Jo sluatuAod plogasoal luaultulsul Alun °aS sup Jaw Aluoud utollg uoo gotgM Auadold am of algoinqupo suopisodtui pure `saut3 `sa1ot o `sivauissasso `saxE1 1119 /Cud pugs Jamofog •suar '.sagangD •b •1apua7 iiq Nag spund Auo JOMOaaog of pun3a! Apdtuold IIEgs Japual `fuatunJlsul Alunoag sill sq palnoas sums Ilg jo IIn3 ui luatuAod uodn •sluauiiCod /Clllu0ut zi 0011 aJotu OU ui lnq VdS DI giiM aOUEp10OOE ui iiouaiopap ail dn alma of AlgssaOau lunotug alp Japua• of /Cud Bugs aamo -uog puu `vdsgg sq paainbaa 50 Jamollog Anion ITT Jap11al `tddS D1 aapun paugap 50 `MOJOSa ut Nag spund 30 AouaiOgap E si aJatp n •sluatut(od Allluolu ZI uotp 311901 ou ui lnq `ddSa'J gi!M aouopa0000 ut a;3Euogs agi dn 031gtu of Aiossaoau lunouio ail Japua-1 of ,Cod pugs 1am0uog pure 'ddSa?I ,iq pannbal sE aaMO.uog ,ijpou IIEgs lapua-1 `ddSg 1 Japan paut3ap so `M0J3S3 ui Nag spund 30 0201104s E st a.iagi 3I •ddSgU giiM aouopl0000 ui spun3 ssaoxa alp 103 1aM011og of lunoOOE hogs Japuai `ddSg)J lapun paugap su 'mono ui plaq spund 3o snldins E si aaagi 3I •NdSd2I iq pattnbai so spund ag13o 2uiluno)O0 tunuuu uE `a210go motptm `1amo11og 01 anid hugs Japuai spund aqi 110 plod aq hogs isa1alul 10141 `10A 3M011 `2uiu1M 111 aaJ;jg 1103 1apual pug Jamoziog •spund ail uo s$uituga s0 150131111 J U0 1aMOlaog tCEd of palmbal aq 1ou lions Japuaq `spun j agi uo piod aq 091 lsalalut salinbaJ ME'l algootlddy 1 0 2ui2uM ui am! si 1Uatuaaao uo ssalun •a21E44o E !Ions aluui Ol Japuarl swalad Mg'I algooilddv pug spund alp uo lsalalut 10M011013 sod aapua'I ssalun `swam MOJ3Sa 0141 2uttiJ1Jan 10 `114n0O00 MOIOSO aq1 $u 1Zrij0Uo AIlgnuug `spund ail Bum /cldd& pug 2utploq Jo3 Jamollog amp lou llggs Japuaq •ddsgzl Japan patjioods grail ail uoll Jalui ou small Mo1OSg ag1 iced of spund all Aiddu Bogs Japua-1 3IuEg uooi atuoH IoJapag Aug tit 10 (painsui os aio susodap asogm uo11n111su1 11g s1 Japuai 3i `Japua-1 2uipniOU1) 111ua 10 `XltIEluatuUJlsui `i 0U0 0 i01ap03 0 sq pansy! 010 slisodap asoIM uoilnlilsui ire ui ping aq flogs spun,g gtiy Mu'I algooilddy gun+ 03UUp1033E ui asIMlaglo 10 small mo1OSg a1nin3 3o salnitpuadxa 3o Sa1EUltisa algouosoai puo olop 1ua11n3 3o sisoq agi uo anp spund jo lunoure 0941 aigunisa Bogs lapuaj •ddSgg Japan altnbal Imo Japual o lunouio tununxOUI all paa)xa 01 100 (q) pug `VdSg11 Japun pag!Oads amp ail 10 spun3 am Siddo 01 Japua-1 uuuad 01 fua1O133ns (o) IUnouUO uo ui spund 431044 pug lOalloo `aural Aug Tr 'Arm 1apual 0011305 sill Japun paitnbal 001410119 10141 'sumo= Ions ui pug `spund Ile 13puaT 01 Aod 4411915 Jamouog `uou0OOnal ions uodn `puo Sj u0iloaS 1pim aoUEplo0Oo 11t uanl2 031100 E Aq 0111t1 Age 1E Stu02I mo10SH 410 1O /WE 01 SE 1anIEM 0911 0)10A01 (E11i 1apua'l 1111901910 Ions Aug JOpuai 01 1odai 01 6 01911305 Japan palo2ilgo aq uagl Mutts 1amauog puo lunOtuO Ions 1od puo 6 uoIOaS Japan 511$31 sit 05!310x0 1otu lapua'j `lua1I Mo10Sg ug 10J anp =mug all iced 02 sjre3 JaMO110g pu0 `JantOM E 01 luonsind `1l1Oalip stuail moIOSg 1Cgd O1 palo$1IgO 54 10MO11og 3I 6 019 111 pasn si „1uauUaaaE pu0 1U0U0Aoo„ asglgd alp SE luauiillsul Ali1fOaS sup ut pautgluo0 luatua01 0 pug luguanoO o aq 01 paulaap aq sasodind Iio 103 hugs sldiaoai apinold 01 pug sluaui cod gons alum 02 uo11o51lgo s,1amo1log •aiinbal 1(ow Japua7 so pouad OD Ions ulqum luaui1od Ions 5utouaptna sidiaoai Japua-1 02 Isiuun3 hogs `sa.nnbai Iopua'-1 3i `pug lapuarl 1q panIum uaaq 5044 spund 30 luauaod I0tgm Jo3 small mo1OSg 103 anp STIM 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 CIP� 6(WY) (0005) Page 6 of 15 Initials: 036 Form 3051 1/01 1011. LSOE WJOJ gt 10 LeBed s eiliu� algquosual Su!Sed (o) pug :moo ui Supvadde (q) :luawnllsui Alunoas sup Jano Aluoud set goulm uaq g iiq palnoas sums Auu 2uiAgd (g) :oi paucUtl iou ale lnq `apnpout uga suonou s,lapuaq Auado /d 011 2uutedai 10 /pug 2uuno0s pug quadold a11l jo awn 0111 2uissasse /o /pug uiloalo /d 2utpnlout luawnulsul dilution sup iapun slj a pug 1Cuadold ail ui lsa /alui s,Japuo-I loalold of alutldolddu /o algguosuai st Janalugm 1o; Std pug op Sum 1apua l uagl quadoid ail pauopuuqu set 1amo11og (o) 10 `(suotlgln$a/ 10 smul 03iojua of 10 luawnulsui Slunoas stgl 1ano ,Cluoud mum kuw goTgm nail u jo luawaolojua /o3 `a /nua31oj .zo uotluuuzapuoo 1o; `alegoid `Aoidnniuuq ui Suipaaoold u su lions) luawnusul'(Tunas sup lapun s1t5t1 10 /pun iivadold ail ut lsalalui s,.1apua7 10033( Apueoljuats 11121u1 lugs $utpaaaoid l001 u st a Jail (q) luawnilsul Alunoas sup ut pautuluoo sluawa0 /2e pun sluguano0 am monad o1 squj .[among (g) JI •luawnalsul ,Clunaas sigl aapujl slg3111 pug ,Claad0ad ail ui lsaaalul mapuai JO 110933201d •6 •aouapisai redtouud s, /among( sg Auadold 0111 jo Xouudn000 s,1amouo( 2utuiaouoo suotlgluasaidai `01 pautnT( lou aie lnq `apnlaut suotluluasa.idai luualew •UEO'I ail 111tH 110930uuo3 III (uotluuuojut Win= 1111M lapuaZ apino.1d o1 paltu3 1o) lapua-I 01 sluawaluls /o t0ilew103ui alganoogui /0 iuipgalsiw `asluJ Ann= aka luasuoo /o aSpalmouN s,1am0JJog 1MMM 10 1amo11og Jo uoiloalip am le 2ui1DU saiulua /o suosiad Auu 10 1amo110g `ssa30ld uopWD!(ddu uu01 am Vt unp `3t 1(n11;ap ui aq hugs /among( °uotlgatlddV ugO'I maMOaaog •g •asnuo alquuosu/ tans &uiXjioads uoiloadsui 1oualui uu lions oi /oud 10 Jo awil am le aoilou 1am01.10( an!5 (lugs 1apua -I •Suado /d at1 uo sluautano1dwi aq1 jo /oualui 0143 loadsui Auw /apua-I `asnuo alquuosua/ seq It 3I '(uadold ail jo suotloadsut pue uodn soul= alquuosua/ Amu mar 511 10 lapual •uoilu1olsal JO /igda/ lions jo uoilaldwoo am 1oj uon qqo s,lamouog jo panailal 1ou si /amouog `iCuadold ail aaolsaI 10 aigdal of lua1Dq3ns lou are spaaoo /d uotlguwapuo3 /0 03uEansui at1 3I 'palaldwoo st 311oM ail se sluawked ssai oid jo sus 11 ui /o 1uau1 lid oi5uis u ut uopu1olsaI pun s /iuda/ am Joj spaaoo /d as1ngsip Jim /apuarl •sasodlnd tans 103 sp0000id pasealal suq lapua1 JI ATuo Suadold 0141 2uuolsaI 10 2uu1Rdal 1oj algisuodsa/ aq pegs lamou0( `filmdo /d am `Jo 2uplgl ail 10 `01 05Eui p ITItM uopoouuoo ut mud 01E spaaoold uotleuwapuoo /o aauu111sui 3I *aft/1p /o uo11g1oualap aaiun3 pions o1 pauwep J! Suado /d ail 1I11da1 ,illdwo/d (lets 1OM0110g `ajquua3 Iilleotwouooa 1ou si uoi1E /olsal 10 1T11da/ Intl S uoiloas 01 lugnslnd pauiuualap sT 1! ssalun •uopipuoo su o1 anp anion 111 3uisua /Dap 10 2U11E10ualap wo /3 Suado /d 0141 luanald o1 1ap /o ut iCuadold ail utuluIEw Huts /aMOUOg `,i110dO1d 0111 111 2utp1sa1 si /aMO11OH lot /0 1ag1a11M •,i110do1d ail 110 31sEM 1T11IW0D 10 ale /oualap 01 Xuadold am mope `Su0dold 0111 1!Edwi /O 0 EUIIp `Sollsap 1ou Timis 1OM011og •suoilaadsul :,Claadoad ail Jo uotloaload pug aaueualuigytl 'uopeAaasaad •1011UO0 s, /0MO11Og puo,Caq ale gotgM lsixa saouElswnaIIo 2upEnu01xa ssalun 10 'plaggltM SJgEuosEa/un aq 1ou Hugs luasuoo ioulm 'upilm ut sawwS& as!M1aglo lapua'l ssalun `SDuEdn0DO jo amp ail /a1311 mead auo lseal lg 1oj aouapisa/ Tudiouud s,1amo1Og su Su0do1d 0141 Sdn000 01 anu11u00 llgis pun luawn/lsul iC1un0as sup Jo uoIlnoaxa am lags sSup 09 uigl1M aOUapisal lEdiouud s,1OMO11og sE Suadold 0141 asn pun `gsilqulsa `Sdn000 (lugs /aMOUOg •,fouednaaO •9 •anp 110(1 1011 /O 10i1011m luawn11s111 Alt.moas sup 10 aloN ail lapun piEdun sIUnOwe Arc! 01 10 ,ivadold 0141 a101sa1 10 /iEdO/ 01 /ag110 spaaoo /d 00Ue1nsui 041 asn /apuoq •,Cuadold am JO 051110A00 ail 01 alg11otlddu oim s1q$u qons sg /E3osuI quado1d 0111 2uuano0 satotlod a0UU/nsut (Ie /apun (1amo110g piEd swniwaid paumaun jo punjal Niue 01 111211 am toil 101110) s1g$u s,lamouog Jo 1aglo JiuE (q) pug luawnllsul 1C1uf0as sup 10 a1oN ail /apun ptEdun s1un01ue 0141 paa0xa 01 1ou lunowe 1111 ut spaaoo /d aouElltsut Aue o1 s1112t1 s,1aMOn0g (E) /apua1 o1 su$issu iiga 1011 13m011og `asIM/a1110 10 ZZ U0p03s lapun S1tado1d 0141 sa1lnbOe lapuarl '3T /o `mono 1aglta ul •uan!2 st 0011011 0141 uaIM ut2aq (Tim pou0d Aup 03,1, •Immo a111 alms pun alupaau Sew 1apua-1 110111 `w!el0 u alllas 01 pa1OJJ0 sEg 1011 1110 aODUlnsut a111 111(1 Japuaxl wog 0011011 11 01 &Cup 0£ utqum puodsal 1011 saop 1aMO/1og II •s1auum paleTa1 pus Immo aoue1nsut alququitE Aug alllas pus a11111O au `alij AMU /apua-I quado1d 0141 suopuequ /aMOUOg 3I Z uoiloas ut 103 papinold /aplo am ui patlddg aq (Tugs spaaoold aODUnsul ions •1am0uog 01 pied 'Sue j! `ssaoxa 0141 e, C te000) (Am)9- ehD 0872135 -6(WY) (0005) 038 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. Page 8 of 15 Initials: Form 3051 1 /01 1.0/6 1.90£ wJoj 6C0 5 t 0 6 e6ed (90001 (AM)9- CS) •Z nottoas it zo3 paptnozd .iapio aqi ut patldde aq mils iCliadoi agi jo .itsdai zo uotiezoisaz o; patldde iou are tegi sp0000zd snoauelfaos fits °zapuai o1 pled aq llegs pug pauatsse Cgataq ate Suadozd aqi ul lsazalul s,zapuarl jo ivaturtedut am of alquinquu ate imp saeutep .toj tutgl0 .to p1eMe Aug jo spaaoozd aUZ •luatutulsul AiunOas sup .iapun slt'2u .10 Suadozd am ut isazaiut s,zapua-1 Jo luauutedu1t let.zaietu zaglo 10 31I1 JO aznitajzoj Sapnlnazd luatu$pnf s,zapua-1 tit `let'l 2utlnz u tI1tM passtustp aq utpaanozd .to uopoe at'1 $utsnea 461 uotloas ut paptnozd sg ait:lsutaz `paun000 set' 11011E101003E 3t 'we llnejap u qons azno ueo zaMOZZOg •luatunzlsul Suznoas sup zapun slg$u JO Suadozd a12 tit lsazalut s,zapua-I jo ivauuteduut wham' zaglo JO Suadozd ag1 3o aznitajzoj 11t llnsaz moo `luaugpnf s,zapuai tit `igq; un2aq st 4 1u1110110 JO 'No zaglagM `3utpaaoozd zo wpm Cu e 3t ilnnjap ut aq 'legs zamonog •spaaoozd Snoauullaosty4I of pleat ut uopoe 30 1112p a Set' zamozzog tuoIM lsuieffe Sued alp _to spaanozd snoauellaasm z3M0110H saMO igg; Sued pztgl am smut „died Vutsoddp„ anp uatp lou JO zaglatM `luatu1uisul Atunoas sup iq paznoas stuns at'l o; JO iivad0Zd am 3o ztedaz 10 uotlu1Olsaz of zaglta spaaoozd snoauellaosm alp Aulde pug hallo° 01 pazuot'lne sl zapua7 `uant2 st aou0U ant atop am za13e &iup p£ utt'ltM zapuai of puodsai Ol sltu3 1 M0110g `sajetuep zoj tulelo 11 arms o1 plume tie avut 01 sza33o (aoualuas lxau alit tit pautjap se) Sued 2utsoddp alp lent zamoliou of zapua -1 lCq aouou zalue `3t JO `zaMOZZOg pauopuugg st Suadozd am 3I •anp gam an sums am lou 10 .Iat'lagM luauttulsul Aiunoas sup ,iq paznoas sums at't 01 middy aq llegs spaaoozd snoauellaosm alp `$uti1M tit aade asInuaglo zapua-I pie zaM011011 ssalun `amen tit ssol zo 'uouotulsap `Ruplel letl.ted agi azojaq Slaietpatuui paznoas stuns am jo iunoute alit ttegi ssal sI amen 11t ssol 10 `uotlonzlsap `iuplul [grind ag1 az0jaq Slalgtpatutut ,ivadozd am 3o amen lavetu zlgj aq1 goigM tit iCuadozd agl 3o amen tit ssol 10 `uot10nz1sap `&1palgl fettled a JO liana am uI •zamozzog 01 pled aq legs aotreluq ,Cud amen tit ssol zo `uouotulsap '2uplei lethal aqi atom AlaigtpatuuIt Auadozd alp jo amen imjzetu .1!g3 alp (q) paptntp amen ut SSOJ JO `uotlontisap 4 2uplut lethal am azojaq Iilalntpauttut paznoas stuns alp jo lunotum 'mot ag1 (e) :uotioez3 2 utmollo3 palldlilnut spaaoozd Snoaunllaosm at'l 30 lunoure aq1 paonpaz aq Ergs luaunzlsul i sup Sq paznoas stuns am `2uttuM 111 aazgg astMZatpo lapua'I pue J0MOZZOg ssalun `amen ui ssol JO `uotlOnzlsap `Fuplut lep.red alit azojaq iClalutpaunut luatututsul 'Ciun °as sup ICq paznnas stuns am Jo lunotie am tiet'l zaleaa 10 01 Tuba st amen ut ssol JO `uotlonzlsap fettled am atom Alalutpaultut Iivadozd aqi 3o amen tavern qr alp gOtgM tit Suadozd ag13o amen it ssol z0 `uopotulsap Ietl.Ied g 30 liana am uI •zaMOZZOg o1 pted `Cue 4! `ssaOxa am t'1!M `anp uatll 1011 So zaglagM luatuulsul 'Citznoas sup patinas suns am 02 patldde aq llegs spaanozd snoauellaOSm am `filmdozd ag1 ;o amen tit ssol zO `uo!IOnzlsap luplul mot u 30 liana aq1 uI Z uotloas 111 103 paptnozd zapzo aq1 ul patlddd aq JJBgs spaanozd snoauglla0sm lions •zaMOZZOg 01 pled `Sue 3t `ssaOxa am g13M `anp iagi lou JO zatllagM `tuatunzisul 'CiunOas sup iq patinas Sams alit 01 middy aq imp spaa0ozd snoauellaOStySl alit `pauassal aq pinoM Aiunoas s,zapua1 JO algtsgaj ,CIIEO!UIouo0a 1ou st zt edaz zo uotl1zolsaz am 41 •spaanozd Snoauellans!JH lions uo autizea JO Isamu' Cue zaM0JJOg Sul o1 paztnbaz aq log Ilegs zapua-I `spaanozd snoauellanst 4 gnus uo ptud aq 01 isazalut saztnbaz Mil algeollddd 10 III opera st luatuaazfg tie ssalun •palalduoo st 3110M aq1 sg swam/Cud ssai old jo Satdas a tit 10 ;uatuaszngstp aftts g tit uotiuzolsal pie sztgdaz agl 1O4 iced Amu zapua7 •Alldtuozd ua)leuapun aq 'legs uopoadsU1 lions 1eg1 paptnozd `uOiio1Jstles s,zapua4 01 palalduoo wag set' voM alit aznsua o1 Suadold lions lOadsut o1 i(itunuoddo tie pug set' zapua-I 1tlun spaa0ozd snoauellaostySI lions Nog 011g41 alit snug pegs zapua1 `pouad uot1ez01saz pie ztedaz lions 2uunU •pauassal lout st iilunnas s,zapuarl puu algtsgaj SIleottuouona st nudaz zo 110j1E101501 aq1 Jt `iCuadozd alit jo ztudaz 10 uoIlezolsaz of patldde aq Iings spaaoozd snoaiullaOStw qons `pa2ettrep st iCuadozd am 41 •zapual 01 ptgd aq pegs pug o1 pauatssu gazaq ale spaaoozd snoauellaOS! IIV •aan;la;ao3 '.spaaaoad snoauellaastJAJ 30 ;uatuu2;ssV •11 •uot;sultuaa; a0 u09sflaauna gans 3o aril; aq; ;e pauasaun aaam ;um sumlutaad aaueansul agenI0JAJ fun 3o punpaa s antaoaa 01 aoipun 'ifllsopstu0;nn pa;eututaa; aaunansul a nalloykf aq; ansq 0; 'aaunansul a3s3;aoN am Jo uOl;sllaausa unngo pus ;sanbaa o; 'saansolastp ure;aaa antaaaa o; ;qua aq; apnlaul Aeul s;g2t1 asaq I •MS1 ampo Sue a0 8661 30 ;ay 1101 ;aa;oad saaUMOautoH aq; aapun aaueansul a2efl;aoy%l aq; o; ;aadsaa q ;1M Cue 3t seq aaMOaaog s ;qua am pa33e ;ou min s;uatuaaa n gans ,Cud (q) 0872135 0 4 n 6(WY) (0005) 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. Initials: eP• Page 10 of 15 Form 3051 1 /01 1.0 /L I90£ WIOj 9L la LL eBed S�BI1I, ddSg?I uoulguuo�ui 13¢10 rfuu pug apgtu aq molls sluaturigd g3tgm of ssaippe agl `1a3unus ugo'l mau agl Jo ssalppg pug auzgu alp aigls glum gotlm aSueg3 a pjo aotpou uallum uani2 aq !ltm lamouog `1a3iuuas ugo-I a T1 Jo agugga g s! man •31oN ag1 JO ales e of melanin 1a01nMas uUo-1 all Jo sauelO OAOtu 10 no aq 1112utu osp Nag" •mu l alggnilddy pug `luatunllsul )(union sup `aloN all lapun suonallgo utatn-tas uuo! aVallotu imp suuo3Aad pug luatutuisul Alunoas Spj pug aloN all lapun anp sluaulriud o!potlad sloallo3 nip caatnias ugorl„ all sg umoul) rflilua ag2 ut aSuvg3 g ui ilnsai 21J 1UI ales d •iamouog 01 aanou Auld lnoglum sawn 3.10111 10 auo Nos aq ugo (luauitulsul duln3as sup llim lalla$01) a1°N alp 1111 1salaluu Wp.gd g JO a1ON 314,L •a3uenaiiD 3O aal;o :Jaalitias ueO7 Jo Auegj :aION Jo airs •0Z •g! uou3as lapun uotigula33g jo asu3 agl ut rfiddg lou Ilggs alglsuual 01 Tipp sill 'Jana/mil •paun33o peg uopglala33e ou Ji se aniloa33a Mutual llggs Agalag pa1n3as suopailgo pug luaultulsul i(iunOas sun `1am011og riq puaUIa1u1sutal uodn •1aJsug1Z spund otuoll0aIg (p) 10 :iiipua 10 AlilgluaumAlsut `AouaSE !Ewa E ,iq palnsuu a1g susodap sots uoilnulsuu ue uodn umelp si }paw gons ,fug papinold 'vow s,1attlsg3 .10 pag3 s,lalnsuall 'raw 3lueq 'rap poijwao (3) `1apmo bum! (q) `lsgo (e) :Aapuarl Aq paloalas se `stuuoj 2utmollo3 all 3o a1ou1 A0 auo ut sasuadxa pug sums luaUIa1g1suuaJ gons ,Cud 1amo11og Imp altnba1 r(gtu lapu31 •pa8uggoun anutluo3 IIgls luaultulsul /1!1noas sill sq palnoas sums agl /Cud op uoilaulgo s,lamouog pug luatutulsul A1!1n as sun lapun slgV'A pug AiAadoid agl ut lsalalU! s,lapual 1gg1 amsse 01 aitnbai ,(lgguosga1 r(gtu Japua-1 se uoiloe tons swim (p) pug `luauml1sul r(lun3as sup lapun sll$u pug r(1Aadold atp ui isalalui s,Aapuarl 2uul3a1old 3o asodmd 3141 10j paJ1nOui saa; tat 10 pug `saaj uoilunlun pug uoui3adsu! ,fliadoid `saaj ,sr(auJouE alquuosga1 `01 palim!! lou lug &uupnlouu `Juatutulsul IiumOas sup 5ut01oJua ut paun3ut sasuadxa liu Sriud (3) :sluatuaa1 10 siuuuan03 Jatllo rfug Jo lingjap rfug sa1n0 (q) :paun3xo pug uouglala3og ou j! se aloN all pug ivatunllsul rfuln3as sun lapun anp aq mom 113141 l3!gm sums lle lapual srigd (g) :Jamouog mu an suotupuoo asOgl, •luauuWsul Allmon sun SutoloJua luatugpnf g Jo Allua (o) 10 `.algisuza1 01 1q21.1 s,lamouog 3o uonnunAal all 1oj rCJ13ads u!Slut mg' au:mulddy sg pouad 1allo dons (q) :luatutulsul r(iun3as sun ut pauteluoo ales 3o lamod r(ug o1 lugnslnd ,i113do1d aqi Jo ales a.zoJaq sr(gp anti (g) :jo lsatllea all 0l loud awn iiue lg panuipuo3stp luatutulsul iil!1n3as sill 3o 1uatua0AO3ua angg of 1g211 all aim! !legs AaMOUOI `suot1lpuo3 11!¢1130 slant lamouog 3l •uoileaala3aV aalww alelsuiag 01 Wm! mamo.I.tog •61 •1am0u0g uo puguIap Jo 00ulou AatIAnl lnolum luatutUisul Jium0as sup r(q pa11! uAad satpatual Aue a)lonut rigid lapuarl `pouad sup 3o uotlguudxa otp 01 loud stuns asagi rigd 01 slig3 lamouog 3l •luaumAlsul r(1i1fDas sill r(q painoas stuns !le iced lsntu 1am0u0g gzi14m Utgum S! uouloas glum aougpio0og Uu uantd su 0011011 all algp all Mali sICgp p£ 11¢141 ssa! lou Jo pouad g aptnold Begs aoilou atl,L •uotiglalao0e 3o aouou 1am011Og ani8 Imp lapua-1 `u0ildo sigl SOS!OAaxa lapual JI mg-! algeoitddd riq paugigold si asiolaxa l3ns 3t lapua' riq pasiozaxa aq iou HET uoudo sup `lanamoll •luauznAlsul r(uln0as sing r(q paln0as stuns nu 3o lln3 uu ivatuAud algupatuult aunbai Amu lapual luasuo3 ualuIm 1oi.1d S,lapua-1 lnogltm (pauaJsug11 JO Nos sI AamoJ.zog ui 1sa10111 lgtol auaq a pug uosiad lglnleu g lou si 1amo11og 3! Jo) pauaJsugll 10 Nos st ripladold all u! ISalalul ring 10 r(lladold all 3o Ind rile 10 11 Aasugamd a Ol am) 3lnittg g lg 1aMO110g Act aim Jo AaJsu1Al agi s! 143igm Jo maw! all luatuaal8g mama Ao 10¢111103 sales luatuIlglsut `paap 103 101111uo0 'pan 10; puoq a ut pauaJsugll Sisalalui lgt3gauaq asogl `01 Rum!! lou lnq `8uupnloui `ri1Aadold all u! 150101u! 1ei01jauaq 10 lgaal ring sugatu „r(l1adold mu uu 1S0J01ul„ 'g! UOil3as sing uu pasn sy •10m0.1.10g ui ;salaluj lepjouag a .10 r(laado.id alp Jo aajsuea,L •81 •luaumAlsul rClum0as sun 3o pug aloN all Jo rcdoo auo uani2 aq !lugs lamouog •,(do3 yamo.uog •LI •u0110g rfU1 051u1 of uoulg8ulgo riug lnotllim uoulaIOS!p alos San18 „,iglu„ prom 3141 (o) pue `uslan 001A puu Tumid all apnloui pug ueatu !Igls 1gln8uts 3141 111 sp1Om (q) :lapua8 autunuaJ am Jo splom AO splom 1alnau 2u1puodsauoo apnJOui pug mate !legs lapua2 aullnOsgul all Jo s (u) :luatutulsul ril sill u! pasn Sy •uotstnold 8utl0tlluo0 ag1 lnogiim 103 .43a 110A18 aq tin g3ilm alotsi all 10 luatunllsul rflim3as sing Jo Suousunold Jallo 10333¢ 1ou Help 10431100 pus 'Awl alggoulddy glum s101T3uo0 aloN all JO luaummul r(ulnoas sing 3o asngl0 10 uoisunold Aug 1811 Juana all ul 101111U00 ,fq luatua01811 lsuig8g uon!gmold g sg patulsuo0 aq 3011 imp 00ua[is gons lnq `luaus aq 1g8itu 1! 10 1311111103 riq 3313¢ o1 sapAgd 3141 mom r(pi0uldtut 10 riluouldxa 1481111 mg-1 alggmuddy •m11 ajggoulddy 3.o 51.1011E1pm! pug sluatualunbai ring 01 100 qns 0111 luatutuisul rililn0as sup ut pauigluo0 suoulg8ilgo PR 514311 ITV 'Pal10O! i 0 moo) (AAA)9- si rflladold atp 140ugm ut uopalpsunf 3141 3o mu! all pug mu! 11Aapa3 Aq paulano3 aq !legs luatunusul r(1un0as spa •uoilanaisuoD Jo saing :rililigeaanas :Me'l 8UIU.I0AOo •91 Q87Z135 042 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. -6(WY) (0005) Initials: 0 Page 12 of 15 Form 3051 1/01 L0 /L X50£ WIOJ 51. 40 £L eyed aIeiim mom (Am)9 Cp •51tuioA4 jo smut uopduzaxa psalsaumq aq1 jo an;.nn Aq pus iapun sit;W!J U san!sm pus sassaja.1 iamoxxog •saaAl •bZ ms-; algsatlddd Japun pautuuad si aaj aq; jo 2ui istp aq1 pus paaapua.z saotnlas ioj /Curd mutt s o; ppd s! aaj aq1 ji Ajuo 1nq `;uaunuisuj A;xxnoas sup 5utssataz aoj aaj z iamouog aS.zsgo Amu iapual •slsoo uopspiooaa ,Cur /Cud Timis aamoz.zog •1uaumi1sul Altmoas sup assapi Hugs iapuai ;uauxnnsul Aiunoas sup Aci pains sums Its jo;uauxAsd uodn •asealag •£Z ;i o; pal;Ipua Bliegai suosaad ao uosaad aq; o; ssaaxa Ate (a) pue :;uauzna;suj ,f;unaas sup paanaas stuns lie o; (q) :saw ,s,fauio ;e algeuoseaa '0; pawl!! ;ou ;TN 'Suipnpul 'ales aq; jo sasuadxa die o; (8) aapoo 2utmoiloj aq; u! pauidde aq Begs ales ag; jo spaaaoad aqy •ales ,f;.Iado d aq; asegaand /feut aaugisap sl! .10 aapua1 •A4W1 alqualiddv £q pagpasaad aauueul aq; ui Nos aq iiegs .f;.zadoad aq; pue 'aces jo aapou aq; gsgqnd Hells aapual •Sj uoipas ui papiAoad .zauueuz aq; u; aamoaaog o; ales aq; jo aapou anl iiegs aapua-I •Ake7 aigeaiiddv gum aauepaoaae u! ;ua.za33zp 3i f ;aadoad aq; jo uolssassod ul uosaad aq; o; puts aantoaaog 0; asopaaoj 0; ;ua ;ui jo aapou 9,0 Hugs aapua7 'ales jo as uod aq; samonu; aapua-I JI •aauapiAa aim jo s;soa pue saaj ,sifauao; ;e aigeuoseaa '0; pallum ;0u ;nq 'aulpnpul 'ZZ mamas spy ul pap!AOad salpauuaa aq; 3u►nsand ut paaanaul sasuadxa IIg papa o; pal ;l ;ua aq iiegs aapua7 •me7 algeagddd fq pa;;lwaad salpauuaa aaq ;o ifue pue ales jo aanMod aq; Sulu pue pueUIap aaq ;anj ;magma ;ualuna;sul ,f ;lamas sun pins stuns He 3o Ilnd ul ;uauu,fed a;e►pauuut aambaa ,foul 'tondo Si! ;e aapua-I 'aapou aq; ut pazupads amp aq; aaojaq .10 uo Flamm ;ou si ;ineoap aq; 3I •ales pug uopeaaiaaae o; aannoaaog jo asuajap lag ;o Ate .10 ;Inejap 8 jo aaua;sixa -uou aq; ;lasso o; uopae ;.moo a Suuq o; ;gala aq; pun uopeaaiaaae as ;3e a ;e;sutaa o; ;gala aq; jo .M A0.11011 UIaoJUI aag;anj Hells aai;ou aqs •,f;.Iadoad aq; jo ales pue ;uazuna;suj A;Ianaas sti; �Cq paanaas sums aq; jo uol;eaaiaaae ul ;insaa gnu aapou aq; u1 paupads a;ep aq; aaojaq a0 uo ;inejap aq; aana o; aani1BJ peg; (p) pue :palm aq ;snlu ;inejap aq; gauge,. £q 0; uaAl3 sx aapou ag; amp aq; woij &fep p£ until ssal Sou''a ;ep a (a) :;inejap aq; aana o; paainbaa 'wpm aq; (q) ;inejap alp (e) :Ajpads iiegs aapou aq,L •(aslMaaq ;o sappioad mug aigeauddd ssalun gj mamas aapun uo 0; amid ;au ;nq) ;uauuna;suj ,f ;lamas spy ul ;uauuaaaae ao ;ueuaAoa Lue jo gaeaaq s,aannoaaog SmAMoiio3 uopeaalaaae o; aolad aamoaaog o; aapou anIN Hugs aapua7 •salpauuag :uoi;eaalaaaV ZZ :smoppj sr aads pus ;usuanoo Jaqunj iapua-I pus iamouog 'SINVN AO3 Y�I2IOdII�jf1 I�IOI�I 170 O 721.35 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: 410-6(WY) (0005) RANDALL LAMPE 64 (Seal) Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Page 14 of 15 Form 3051 1/01 L0 /L LSO£ WAOj :ss ,f ;uno3 CJ 17 0 gL ;ogiaied (wo (AM tal £OOZ sandx3 uoissiwwo3 6w 00Z Z s any sa.ndxg uoissturtuoD iii' Hdkryri rirpfaDIya Aq T O 0 Z b- HZHYW slip auz aiopaq pa2paimouxau sum auauttuisui $uto2aioj ate, WiO3xiz `9NTIAIOAM 10 HIV IS 8521571 TEFR -0233 TAX EXEMPT FINANCING RIDER FHA Case No. THIS TAX EXEMPT FINANCING RIDER is made thisl4TH day of MARCH 2001 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed "Security Instrument of the same date given by the undersigned "Borrower to secure Borrower's Note "Note to WELLS FARGO HOME MORTGAGE, INC "Lender of the same date and covering the Property described in the Security Instrument and located at: 226 A STREET, BEDFORD, WY 83112 [Property Address] ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree to amend Paragraph 9 of the Security Instrument, entitled "Grounds for Acceleration of Debt," by adding additional grounds for acceleration as follows: Lender, or such of its successors or assigns as may by separate instrument assume responsibility for assuring compliance by the Borrower with the provisions of this Tax- Exempt Financing Rider, may require immediate payment in full of all sums secured by this Security Instrument if: (a) All or part of the Property is sold or otherwise transferred by Borrower to a purchaser or other transferee: (i) Who cannot reasonably be expected to occupy the Property as a principal residence within a reasonable time after the sale or transfer, all as provided in Section 143(c) and (i)(2) of the Internal Revenue Code; or (ii) Who has had a present ownership interest in a principal residence during any part of the three -year period ending on the date of the sale or transfer, all as provided in Section 143(d) and (i)(2) of the Internal Revenue Code (except that "100 percent" shall be substituted for "95 percent or more" where the latter appears in Section 143(d)(1)); or FHA Multistate Tax Exempt Financing Rider 10/95 co (9705) Page 1 of 2 Initials: tIL VMP MORTGAGE FORMS (800)521 -7291 1 1 11 1 1 11 1 046 1 III 087'413t) ©587U (9705) (iii) At an acquisition cost which is greater than 90 percent of the average area purchase price (greater than 110 percent for targeted area residences), all as provided in Section 143(e) and (i)(2) of the Internal Revenue Code; or (iv) Who has a gross family income in excess of the applicable median family income as provided in Section 143(f) and (i)(2) of the Internal Revenue Code; or (b) Borrower fails to occupy the Property described in the Security Instrument without prior written consent of Lender or its successors or assigns described at the beginning of this Tax- Exempt Financing Rider, or (c) Borrower omits or misrepresents a fact that is material with respect to the provisions of Section 143 of the Internal Revenue Code in an application for the loan secured by this Security Instrument. References are to the Internal Revenue Code as amended and in effect on the date of issuance of bonds, the proceeds of which will be used to finance the purchase of the Security Instrument and are deemed to include the implementing regulations. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Tax- Exempt Financing Rider. Page 2 of 2 047 (Seal) (Seal) Borrower RANDALL LAMPS r/ Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower