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8tnzan00 Tuaunuisut i(Ttznoas uUojiun g a11W SUoo oT uopotpslznf Aq suourIsun mum!' g;tm sluuuanoo tuzojtun -uou pug asn juuot4gu zoj s1uuuano3 uuojtun sautgtuoo IN3J'\IfRILSNI A.LRIf103S SIH.L 'pzooaz jo saouuzgtunoua Auu oT Toafgns `spuuuzap puu sunup iiu TsuteBu filmdom agT 02 aim agT Aiigzaua8 puajap Iitm pug s;uuzzum zamozzog 'pzooaz 3o saouuzqutnaua zoj idaoxa `pazaquznouaun st ATzadozd agT Tu4T pug ICTzadozd ag; I(anuoo puu TuuzB `a8u81tout o; T 4 BU 04 sug pug pa'(anuoo Agazag aTuTsa aqq jo pastas'iinjmui st zamozzog TgtTT S.LNVN3AO0 2IaMo niog „.icizadozd„ alp sr Tuauttuisuj'CTUnoaS stgT ut oT pauajaz st 8uto8azoj mg Jo iiy •Tuatunzisuj XTunoas sup Aq pazanoo aq osju ijggs suomppg puu sTuatuaogjdaz iid •ATzadozd am 3o 21 d u zaggazag 10 MOU sazn4xg pug `saougualtnddg `sTuatuasga Iig puu `i(Tzadozd agT uo moan za ;jgazag JO MOU s;uauzanozdtut 042 Iju H1IM II3H.13OO.L [pans] Jo ssazppg alp sug iijTuazzno gotgm :(„ssazppd ATzadozd [apo3 dtz] 8Z1£8 $utuzoAM ['CID] 3NId'IV iaalu S 3NId 6 OOOTO£O17OZ8IL£ :zaquznN QI iaozgd NVIQRI3I%I 'IddIONI?Id H,LXIS 3H130 IS3M 811 3ONvu `HZaON LE dIHSNMOS `OZ N0I.L03S 30 (b /TaSZ 2i3,L11Vf1to ISV3HIf1OS 3H1 30 3'IVH HI ION HILL 30 ,I2Idd 0NI3g MTV `ONII4IOAM `A.INL1O0 N'IOONI'I 3O 1law:loam' 3H1 3O 30I33O 3H1 NI SS6I `T HallIAI3Id3S Q3Q2IO032I 3O32IaH1 1 T1d 'IVI0I33O 3H1 All NMOHS SV NOISIAIQgf1S S33M `LT 1,0I :[uouoipspnr 2u►pJooag ;o au'uNI] N'IOONI'I3o [uouotpsunr 2uipiooag jo adAjj Xiunoj agT ut paiuooi Xpadozd paquosap 8utmoiioj 660 0872174 Page 4 of 16 1 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 Form 3051 1/01 Initials: 2 cX. 0872174 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 due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner Page 5 of 16 101 Form 3051 1 /01 Initials; 0872174 acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the 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. W hat 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 m 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. Page 6 of 16 Initials: 102 Form 3051 1/01 10 /1 OE to oa JO aourinsui ag1 •pa ;a si 1zom at'; sE sluatuArd ssaBozd jo sauas lit z0 ;uauiAEd al2uis t uI uoptzo ;saz puE szitdaz alp zo3 spaaoozd aszngstp Arm zapua7 •sasodznd lions zo3 spaaoozd paseajaz sEq zapua-j 3i Ajuo filmdom at'; &uuo;saz JO Suuttdaz zo3 ajgisuodsaz aq jjegs zamozzog `Alzadozd am `3o Supltl am JO `o1 o w p g ;inn uoi;oauuoo ui pitd azg spaaoozd not ;Euuzapuoo zo aouuznsui 3I 'aturep z0 not ;ezoua ;ap zatj;zn3 pions o; pa2etugp 3i szadoki aq; zredaz Aj ;dmozd jjegs zamozzog `ajgisea3 Ajjtoiuzouooa 1ou si uoilezolsaz zo zredaz ;mtp S uoi;oas o; ;uensznd pauiuualap sir 3! ssajun •uoi ;tpuoo s ;I o; anp anjen ui 5uiseazoap zo 2ut ;ezoua ;ap uzoz3 4zadozd aq ;uanazd o; zapzo ui Anadozd asp ure;uietu jjEgs zamolog `Alzadozd asp lit Suipisa' si zamozzog 1011 JO zatpag1 •Azadozd am uo a ;sEm ;iuuuoa JO a;ezoualap o; kindozd am moo `,Uzadozd am zreduzi zo aEtuEp `Aoz;sap ;ou jugs zamozzog •suopaadsuI :A ;aadoid am ;o uoi ;aa ;ozd pug aaueua;uieyt 'uoggitiasaJd •L 10111103 s,zamozzog puoAaq azt goigm ;sixa saoutlsumoro $lit ;tnua ;xa ssajun JO `pjatjq ;tm Ajgeuostazun aq ;011 jjEgs ;uasuoo gOtgm `$ui ;um lit saaat astmzatpo zapuarj ssajun `Aouedn000 jo amp asp nip maA aU0 ;seal ;e zo3 aouaptsaz TEdtouud s,zamonog se A;zadozd at'; Adn000 o; anui ;1100 jjEgs pue ;uaurtu ;suj A4Tnoas sup 3o uopnoaxa asp Jour sAEp 09 uiglim aouapisaz jediouud s,zamouog se Alzadozd am asn put `gsilgE ;sa `Adn000 jjegs zamozzog •Aauednaa0 •9 anp uaq ;oU JO zatj;agm ;Uatunz;suj Altznoas sit'; JO NON ate; zapun predun slunoure ad 04 z0 Alzadozd at'; az0 ;saz JO ziEdaz 0; zaglia spaaoozd aougmsut at'; asn Arm zapua-j •Alzadozd asp jo aatzanoo asp 03 ajquoijddE azg slgOiz !Ions sr zgjosui `Alzadozd ag1 Zuuanoo satogod aougznsut jjE zapun (zamouog Aq mud stunituazd paumaun 3o punjaz Aug 0; ;q2u am imp zag ;o) s ;quiz s jo zaglo Atm (q) put ;uauzru;suj Tunas sup JO a ;oN asp zapun ptedun s ;un0ure at'; paaoxa 03 mu ;unotuE uE lit spaaoozd aoutznsW AuE o; sup; s,zamozzog (t) zapua7 0; sugisst Agazaq zamozzog `aspwaglo z0 ZZ uoi ;oas zapun Anadozd am saunbou zapua' 3i .10 ;liana za ;ia uj 'MAP sI 0390u aq; uagm u12aq uptt pouad AEp -0£ aqj •turejo am alms pue aleuaaU Aetu zapuarj uagl `UtrelO E aj;;as 01 paza33o sEIt zaumEO aouEZnsui am ;Eq1 zapua-j uzoz3 aoi ;ou E o; skep 0£ uiq;im puodsaz 1011 saop zamozzog 31 •sza31EUx pa;Ejaz puE unEJO aouEmsui ajgejrenE Atm aims put a ;Ei3aau `alt3 Amu zapua7 `Alzadozd aq; suopuequ zamozzog 3I 'Z not ;oas ui zo3 papinozd zapzo at'; ui middy aq jjegs spaaoozd aouEZnsut gons •zamo.uog 01 pted `Aue 3i `ssaoxa am g ;im `anp uag; 1011 JO zag ;aqm ;uaurtu;suj X3imOas sigt Aq pamOas sums at'; o; paijddE aq ins spaaoozd aouEZnsul asp `pauassaj aq pjnom A1iznOas s,zapua' JO algisua3 ATIuotuzouooa 1011 st ziEdaz JO not;EZO ;saz at'; 3j •zamozzog JO uoi ;ESggo aj0s at'; xi jjEgs pue spaaoozd aouEmsui am Jo 1no pied aq ;011 jjegs zamonog Aq pauiE ;az 'sawed pziq; zaq;o JO `szalsnfpE oggnd zo3 saad •spaaoozd gons uo auttuEa JO lsazaltn AuE zamozzog Atd 01 pannbaz aq 1011 Timis zapuaJ `spaaoozd aouEznsui gons uo piEd aq o; lsazalui sazinbaz mE•j ajgEOijddd JO 2ui ;izm u! apEUZ st ;uatuaaaE uE ssajun •pa ;ajduzoo sI 3jzom asp sr s ;uatuAed ssaaozd 3o sauas E ui zo ;uatuAEd aj &uis E uI uo11EZO1saz puE sziEdaz am zo3 spaaoozd aszngsip Arm zapua-j •Apduzozd ualu;.tapun aq jjegs uopoadsui gons ;Et'; papinozd `uot ;oE3si ;Es mapuaf 01 pa ;ajdtuoo uaaq sEq 311OM OLD aznsua o; klzadozd t4Ons ;oadsui 01 Auun;zoddo up ptq sEg zapua-j ji ;un spaaoozd aouEZnsut Rolls plot' 0; 1g2u aria anEq jjEgs zapuai `pouad uoimEzo ;saz pug ziEdaz gons &ulna' •pauassaj lou st *moos s,zapua -j put ajgisEa3 AjtEOiuzouooa st zredaz JO uoi3EI04saz asp jr 'filmdom am jo zredaz JO uoi ;EZO ;saz o; poijddE aq Hugs `zapua1 Aq paztnbaz sEm aouEZnsui 2u1Ajzapun asp 1011 JO zatpagm `spaaoozd aouEZnsut Auu Tupum ui aaAE asimzagl0 z3m0zzog put zapuaJ ssajun •zamozzog Aq Aj ;dluozd apEtu 101131 ssoj 30 3oozd a)jEtu Attu zapua7 •zapua-j put zau1E0 aouEZnsut am 01 aopou ;dtuozd an42 [(Ns zamozzog `ssoj 30 ;liana at'; III 7n17 siEMuj 9130 L aSud E O T te:E7 /80 08721'74 Page 8 of 16 Initials: 104 condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable 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 Form 3051 1/01 10 /t ISO£ W 9IJo6aged °Japua7 o; pled aq hugs pug o; pauSissE Agazaq aJE spaaDOJd SnoauEtiaOSm IIH •aan ;ta;aod spaaaoad snoaugtlaostigi 30 ;uautuSissd *TT •uoi ;eultuaa; ao 1101 ;elpauga yaps 3o °tut; ay; ;e pauaeaun aaam ley; sutniutaad aaugansuI 0213 ;aoix Aug 3o pun;aa a anlaaaa o; ao /pug ',fligapeuio;ne pa;gututaa; aaugansuI a8e81a01% aq; aim! 0; 'aoueansui 93e33101x ay; jo not ;gllaauga up qo pug ;sanbaa 0; 'saansopsip mg;aao aniaoaa 0; ;gSta ay; apnlaul ,feat s;gSla asayl, •ntel aay ;o Aug .10 866130 ;ay uoi;aa;oad saaunsoaut0g ay; aapun aaugansuI athS;aoigi ay; o; ;oadsaa y ;tnt Aug 31- sgy aantoaaog s;gSp ay; ;pang ;ou ;um s;uatuaaag vans Soy (q) •punpJ Sag o; aantoaaog al ;t;ua ;ou IIIM ,fay; pug aaugansuI aSgS;aoN aoj amo lllAt aa,uoaa0g ;unomg ay; asgaaout ;ou Iltnt s;uautaa.Se yaps •0e01 ay; Jo sutaa; aaq 30 Sue .10 'aaugansuI 33031aohi ao3 Agd 0; paaaSg sgy aamoaaog ;g s;unoute aq; pang 30u Ill.t+ s;uatuaaaS1 lions Sw (e) :J°yund „•aougznsuiaz anudE3„ pauua; !m;3° si ;uauta2u11uE alp `JaznsUI am 0; piud stun aq; 3o aiEgs E Jo3 aSuggoxa ui Lisp s,Jaznsut ay; 3o a1Eys E sa?lE; Japua' 3o a;Etl1J11 1111 ;11y; sapInozd ;uautaaJS11 lions 3i •sassoj 2u1Onpa1 10 'Asp s,Jaznsut 22E2310W am 2utA3tpotu z0 2uu11ys Jo3 aSuEgOxa ui `aou11znsui aSESuow ioj s;uauxXgd s,Jamo1Jog 3o uoiuod E (sr pazua ;oEJEyo aq ;yStut Jo) utoz3 anuap ;Eyt s ;unouz11 (Apoagpui Jo iii ;oaztp) antaoaz Amu `Sutosazo3 ay; 3o Alm 3o a;11tlg3E Aug Jo `J4t;ua pip `zaansut°J Jiu11 `Jaznsui Jay;oug 'a;oN ay; 3o Jasggoznd Xug `Japua•i `s;uatuaaar °soli; 3o ;Insa1 E sy •(stunttuazd aou11znsui aSgguoj, utou3 pamelgo spun3 apnpui Arm y0iym) aigEirenE anEti Amu Jaznsut aSESUout alt; ;Etp spun3 3o aoznos /Cur 2u1sn s;uaua d a�igut 0; JO instn °SESuous ay; azinbaz drum s;11atuOa1S11 riot° •s;uauzaaJSE °say; o; (soured Jo) Au rd Jag ;o puE JaznSUt a$ESuout ay; 0; XJO;OE3st3ES air ;Eli; suompuoo puE suua; uo ai s;u°uzaa1sg °soya, •sassot aOnpa1 Jo 5lsu Jtay; iijipomt 10 °Jugs lut1 S°iugd pip m!m. s;11atuaaJ2u mu! Jam Amu pug `aunt; 0; aunt; Luau3 °0103 ut aouEZnsm eons He uo AIS11 111 101 Jiaq; a;11nlena s1aznsut aSESuow •aouEZnsui aSESuow ay; 0; X3.red E 3011 si 1 M0L10H pig sr u110-i alp Ardaz 3011 saop Jamozzog 31 Jn0ui Amu ai sassot uppao Jo (mom am sasgg3Jnd ;Eli; i3uua Aug Jo) zapuaZ sasznqunaz aougznsui aSESuoj •a ;oM ay; ut paptnozd am ay; 1r Isamu! /cud o; uot;gStigo s,Jamo,uog s; OI uoi;oas situ ut Suiy ;oft m11Z aiggogddy iiq pazmbaz st uougutuua; ti;un Jo uouguiuua; lions zo3 SUipinozd zapua1 puE Jamortog uaam;aq ;uatuaaJSg uauum iiug y;im a0ugpz000g ui spua a0u11Jnsui aS11Suow zo3 ;uatuazmbaz s,Japua7 ti;un `°nzasaz ssoi aiggpun3az -uou g apptoJd 0; 10 `100330 11t a ouEJnsui aSESUoJAI rig ;uiuu 0; pazinbaz stuntmazd ay; AEd ijEgs JamoJZOg `aouEJnsui a211Suow Jo suzmtuaid ay; pzumo; s ;uauiiiud pa;11u2is0p iila ;11Judas a)lgW 01 pannbaJ S M zamof0g pug ugo'I alt; Suppm 3o uoi ;ipuoO E sr a0UEJnsui aSESuow paimbai zapuaZ 3I •aougznsui agESuow zo3 suinlmazd olio pzgmo; s ;uautiiEd pa;gUStsap XIa ;EZgdas sozinbaz Japua-i pug `pautg;go st 'aiggii11nE satuooaq mar zapua-i Xq impalas 101115111 uE Xq paptnozd (saztnbai Japuari ;11y; pouad aq; zo3 pug ;unomr ay; ui) °S11Jan00 aOUEJnsui aSESuojAT 3i s;uaWXEd anJasaz ssoi aztnba1 Ja2U0j ou U 0 Japua'i •OAJasaz ssoi lions uo s$11iuUEa 10 35010 1ui AuE Jamozzog i(Ed o; pagnbaz aq ;011 IIEys zapuaZ puE `IIn3 111 pi11d vita;EUJi ;1n si ugo-i ay; ;ey; ;0113 ay; SuipuB;smINuou `alggpunjaJ -uou aq iiEys OAJOsaz ssoi 110ns a oueinsui aS11SUow Jo nail to anzasai ssoi aiggpunjoi -uou g s11 s ;uaulArd asag; umaJ pug am `;daoo11 lltm zapuaZ •10°33° Ut aq o; pasua0 aSEJan00 a0u11Jnsut ay; uagm anp aIOm 11114; s ;u°UJiigd pa;gu2Isop Xia ;gJgdas alt; 3o ;unouW alt; zapua-i 01 Akd 0; °nuuUOO ileys JamoJJOg 'ojggitgn11 1011 st aggzan00 00uglnsui aSESuoJA ;ualgntnba Affr ;1111;sgns 3i •zapuaZ pa;0alas za1nsut aSESUout a;EUZa;tg uE mug '30°33° ui If the Property is damaged, such Miscellaneous Proceeds 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 Miscellaneous 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 pay for the repairs and restoration in a single disbursement 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 Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not.the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Page 10 of 16 Initials: Form 3051 1 /01 X06 MT IOC m1o,1 1N 0 sit tttui 9 i1 a$E s,Jamouog °(a;oN agi Japan Jot paptnozd st a2Jggo ;uauzAgdaid ;ou io iaq;agnn) a2mtp TuatuAedazd Aug ;nog ;tm ;uouggdazd tetued g sr paieai; aq ritm noponpat am Igdtouud saonpai puma.' a 3r °zamouog o ;uoinAgd ;oaztp g &upput Aq zo a ;om ail; zapun pamo tedtouud aq; &utonpaz Aq puntai step glum o; asoogo Agm Japua'j °Jamouog o; papuntaz aq rrtm s;twq pa ttutad papaaoxa gotgm Jamouog tuoi pa ;oairoo Apgazre sums Aug (q) pug ;troll pai;tuuad am o; a2mtio ag; aonpai o; Aigss oau ;unoum am Aq paonpaz aq nap a8zego ugoi gons Aug (u) :uatp `s ;lull pauttzuad am paaoxa ugo-i alp q ;tm not ;oauuoa ui pa;oalloo aq o; Jo pa ;oalloo saannp ugoi Ja ;o Jo ;saza ;ut all; tug; os pa;azdza ;ut Alieug st mgt mm pug `sa8zggo ugor mnunxuut s ;as gotgm mgt g o; ;oaCgns st ugo7 atli 3I arquotrddy Aq Jo ;uaunuisui Aiunaas stq; Aq paugigozd Arssazdxa air imp soot amp ;ou Agtu Japua-i 'oat Bans jo 2ut2Jggo am uo uotugtgozd a sg patuisuoo aq ;ou Irggs zamouog o; oat ogtoods u amp o; ;uaunu;sui A;unoas sup ut A;uotpng ssazdxa Jo aouasgg a p 'sag' Jaq ;o Aug o; pram ui soot not ;gnrgn pug nouoadsut Auadozd `soot siatuong `o; paittm' iou ;nq Iutpntout `ivatunzisui A;unoas sup zapun s;g211 pug Alzado1d agi ut Isama ;ut s,Japua-i 8ui ;oa ;ozd 3o asodmd am Jot `irnetap s,zamouos tptm uot;oatzuoo ut patzuotzad saotAJas Jot soot zamouog amp Amu Japuari •saneg3 aeon •Ii •Japua7 3o su8tssu pug szossaaans am igauaq pug (0Z uotioas ut paptnozd su ;daoxa) Putq pugs ;uatu u sui A ;unoas sup to s ;uauzaat8u pug s ;uuuanoa agZ but ;um ut asuataz gons o; saoi8g Japuai ssaiun;aautnz;sui A ;unoas spit zapun A;tttqutt pug suouu8ttgo s,zamouog mot; pasuataz aq mu pegs Jamouog ;uatunz;sui A;unaas sup Japan s ;itauaq pug s;g8u s,zamouog 3o ire utu ;qo mugs `Japuai Aq panozddg si puu `8ut;um ut ;uatutuisui A;unaas stir; Japun suogg8gqo s,zamouog saumssu oqm Jamo°uog JO ;sotaiui ut zossaoons Aug '8" not ;aas 3o suotstnozd am o; morgns ;uasuoo s,Jau8is -oo ag; ;flog ;tm a ;oM am to;aatutu;sui A;ufloas sup 3o strum am o; pir8ai tptm suot ;epotutu000g Aug a)rgtu 10 zgagzot `Attpotu `pua ;xa o; aaz8e uea Jamouog Jag ;o Aug puu Japua-i ;em saaz8e (o) pug `;uatunJ;sui A;unoas sup Aq paznaas stuns am Agd o; maw) Arrguoszad iou st (q) ;uaumiisui Allmon sup 3o suua; ag; Japan 'Chaim,' am ut ;saza ;ut s,Jau2ts -oo a1p Aanuoo pug ;ue18 `a8e2;zouz 01 'quo ;uatzzntisui A ;unoas sup 2utu8ts -oo st (e) „JauSis -oo„ g) a1oN aq; ainaaxa iou saop;nq;uatutu;sul A ;unoas sup salts -oo oqm Jamouog Auu `Janamog °rgzanas pug ;utoC aq pugs A ;trtqutl pug suotiu2trgo s,Jamozrog ;eq; saai8u pug s ;uuuanoa zamouog •punog sugissy pug s aossaaans :saaugrs -o3 :Amen ieaanos pun Iulof °Apatuat J o ;q8u Aug to asImaxa alp apnroazd to 3o Jantem g aq ;ou imp `anp Liam ;unour am ugtp ssaj s ;unouze ui Jo zamouog to isaza1Ut ui szossaoons Jo satit;ua `suoszad pnq tuoit s ;uatuAud 3o aouu ;daoog s,JapuaJ `uotiu;ttzztt ;no4;tm Tutpnput Apatua1 to ;g51z Aug utstozaxa ut JapuaJ Aq aouuzuagzot Auy °Jamonog 3o Isazaiu' at szossaoons Aug Jo zamouog Iuut2uo am Aq aputu puguzap Aug 3o uosuai Aq ;Uaunulsui A;unoas sup Aq pazfloas stuns am 3o uotpgzt;zotuu Attpotu astmuagio Jo ;uatuAud J ot amp imam o; asntaz 01 to Jamouog Jo Isamu' ut zossaoons Aue ;stuar s3utpaaoozd aouatutuoo o; paitnbai aq iou Neils Japua7 •Jamouog JO ;saza ;ui Ut szossaoans Aug Jo Jamo.uog 3o ATLrtggtl aqT asgaiat o; a ;gzado mu rrugs Jamouog JO ;saza ;ui ut Jossaoons Aug Jo Jamouog 01 zapua7 Aq pa ;ue1$ ;uaunutsui A ;unoas snit Aq paznoas stuns aq; 3o not ;gzuzouzg 3o not ;gotttpotu Jo ;uatuAgd Jot aunt; alp 3o uotsua ;xg •.ianieM u ;ou aapuari Ag eaueieaq.iog tpaseaiag IoN aamo.i.iog •ZI °Z not ;aas tzi Jot papinozd Japzo ag; ut patidde aq Ins 'Chaim,' alp 3o ztgda1 10 not ;ezo;saJ o; patrddu ;ou ajg iegi spaaaotd snoaugllaas1JA TTd °zapuai o; pied aq rrugs pug pau8tssu Agazaq ate Ahado1d am ut Isazaiu! s,Japua -j 3o ;uatzuredun alp o; arqu ;ngu;ig OM ;etri sa8uuzep Jot lump Jo pump Aug 3o spaaoozd auj ;uatututsui 1701�171,,80 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. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower Page 12 of 16 Form 3051 1/01 Initials: Initials: ,Z� :sletl�up MI LS0£ 1 JO3 6 0a 913 aotpou am put Zz uopoas oT Turnsmd zamouog op uantS azno oT Auungoddo pur uotprzaiaoor jo aopou ata •gdriSrzrd sup jo sasodznd zoj aigruosraz aq 01 pataaap aq !pm pouad atop Imp `ua)irp aq uro uo Tor utrpzao azojaq asdria Ism gotlm pouad atutp a sapinozd mei aigeogddy 3I •uopor anpoauoo a)irp op aopou gons jo SutntS' of p zaur pouad aigeuoseaz r opazaq Apzrd zal3o am papzojjr pue lorazq paSaiir gons jo (Si uopoas jo spuatuannbaz aqp q im aourtidtuoo ut uanmS aotpou gons gum) Aged zagpo agp pagtpoa set zapua7 JO zamouog gons !pun `puatunusul I1unoas sup 10 uosraz Aq pamo ,Crop Cur JO `Jo uotstnozd Niue pagorazq seg Agrd zagpo am Trip so ollt Trip JO Tuatunzpsal Aunoas sup oT Tuensznd suopor s�(Tzrd zagpo am 11zoz3 sasur prLip (ssrio r jo zaqumtu agp JO TueSmi irnptntput ur zamTta se) uotpor irtotpnf Cur op pantof aq JO `mof `aouatuuzoo Amu zapua7 sou zamouog =mots' •zasrgoznd apof of p ,Cq paptnozd asimzagpo ssaiun zasegoznd aIoM alp ,iq pauznssr Toll an put zaotnzas uro-I zossaoons r oT pauajsur4 oq zo zaotnzas uro' am grim utrtuaz !pm zamouog op suopallgo Sutatnzas uroi aSrTpzoui aqp `apoN aqp jo zasrgaznd am urge zacj;o zaotnzas uro-I r Aq paotnzas sI uro-I am za3Jrazagt put pion Si apoN a4T 3I •Sutotnzas 3o zaJsueu 3o aopou r gpim uopoauuoo ut sazmbaz ydS I uopruuoJut zagpo Cur pue aprtu aq pings spuauard Liotlm op ssazppr alp `zaotnzas uro7 man aqp 3o ssazppr put autru aqp a3rps !pm gotgm amp am jo aopou uapitzm uant$ oq !pm zamouog `zaotntas ueo'I am jo a2urgo r st =RI 3I •apoN alp 3o airs r op papriazun zaotn tas uro-I am Jo saSuego wow 10 auo oq p4Sttu osir azati,I, me I aigrotiddv put `puou um' ATimoas sup `ow' am zapun suopaRgo Sutouuas uroi aSrSTzotu z0LiTo stuzojzad pur Tuatunusul ,(T sup pur apoN am zapun anp spaatuiCrd otpotzad stoaiioo Tem zaotnzas uro7„ am sr umouni) XIpua atip ut aSurgo a ut Tinsaz Tptu airs y •zamozzog oT aopou zoud TnoLiTin& mug atom 10 auo pios aq uro (Tuou nusul kiunoas sup q im zagp °So3) apoN am ut Isamuut irtgrd r JO aIoN aqs •aaut:n0ta9 JO 0314ON :.I431/1.10S uror13o aSuegD ta;oN Jo airs 0Z •g i uotpoas zapun uotprzaiaoor 30 aseo 041 III Aiddt you ins aprpsutaz oT p4Siz sup `zanamog paun000 pm! uoprzaiaoor ou JI sr 2/43023J0 A tnrtuaz iirgs Agazaq pamoas suogatigo put puatunusui Ai spy `zamouog Aq Tuatua3epsutaz uodfl •zajsurij spun otuozpoaig (p) Z0 iCTpua I0 A4Liepuaurtupsat `AouaSr imam r i(q paznsut an susodap asogm uopnipsut ur uodn amezp st )ioago gons Cue papinozd `)ioago matgsro zo 313ago s,zaznsrau `3ioago Iurq `ratio pagpza° (o) `zapzo Aauotu (q) `lsro (r) :zapua-I'Cq 1301001os sr `suuo3 SutmoiioJ am Jo azotu zo auo ut sosuodxo pur sums moutoTrpsutaz gons Ard IOMOJIOH TgLiT azmbaz virtu zapua-I •paSurgoun anutpuoo iiegs `puatunzTsul ,CpUnoas sup ,Cq pamoas stuns am gird oT uopuStigo s,zamouog pur `Tuatunzpsul iCTtmoas sup zapun sup/ put ATzadozd 0LiT ut !sazaput s,zapua1 Imp aznssr oT annbaz Xigruosroi Arm zapua7 sr uopor Lions Sa3r3 (p) pue `Tuatunzpsul XTiznoas sup zapun supSU put Apzadozd agp ut Isazaiu! s,zapuo'J Supoapozd jo asodznd alp zo3 paunout saa3 zalpo put `saaj 1109rnirn pur uopoadsut Agodozd too ,sAauzout aigtuostaz `02 palituti Tou inq `Sutpniout `Tuatunusul X3 sup SutozoJua ut paunout sosuodxo iir si(rd (o) `.Spuautaa1Sr zo Spuruanoo zagio Xur jo Tintjop Xur sazno (q) `.ponn000 prl uotptzaiaoor ou 3t sr 0poN alp pur Tuatunusul Allmon sup zapun anp aq mom ua4T gotgm sums !Tr zaptta1 sXrd (r) :zamouog Ttgp azr suopipuoo aso4 1 •Tuouttulsul Xpunoas sup Sutozojua puatUSpnf a 30 Alm (o) JO `.apepsutaz oT 34SU s,zamouog 3o uoprutuua3 aqi zoj A31oads T1Sttu mr7 aigrotiddy sr pouad zagpo gons (q) `puatunusui Allmon spy ut pautrpuoo airs jo iamod Cur oT Turnsmd Auadozd agp Jo airs azojoq sArp ang (t) :Jo Tsollito aqp oT zoud atutp ,Cur Jr panutpaoostp Tuatunusul /CTiznoas sup Jo puauzaoz03ua anrti 01142p am antg iirgs Iamouog `suotpipuoo utr3zao Roam zamozzog 3I •uoipeaaiaoay aa3JV amsuiag 0p 3t3ig S,aaAA0aa011 61 •zamouog 110 purtuap zo aotpou za4utg Tnogptm Taatunusul iCTtznoas sup Aq pouutuad soma= Cur a3ionut Arm zapua7 `pouad snip jo uoprztdxa alp 01 zoud stuns mom 1Crd 01 Spj 1:74,ZZ480 08'72174 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. NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Page 14 of 16 Initials: L 1 0 Form 3051 1 /01 P F1 ?7 :spfl iUT TO /T TS0£ tu •SunuoiCM jo sanei uoijdutaxa peatsawoti ayt jo anutn ,iq pug zapun s ;gStz pie santenn pue saseaiaz zamouog •saanppM 'bz •ane-i aigeotiddy zapun pat;u uad st aaj atii jo SutSzetio alp put pazapuaz saatnzas ICU /Cued pun a of pted st aaj ay; jt Apo lug ';uatututsui XSttznoas sue Sutseaiaz zo3 aaj a zaanozaog aSzega view zapuarl •stsoa uottepzooaz Niue pied imp zamozzog •tuawnusui Xunaas snit aseaiaz Ileys zapua -I `Tuawnzsui unoas sprit Aq paznoas stuns !!e jo tuauuXed uodn •asealag '£z ;p o; pal;pua S!leSa! suosaad ao uosaad ay; o; ssaaxa Aug (a) pug :;uawna ;sup Ailanaas spit ,fq paanaas scans He o; (q) :saaj ,sSauao ;e algeuosgaa '03 pa;!wll ;ou ;nq 1ulpniaut °ales ay; ;o sasuadxa pie o; (g) :aapao SulAtollo.I ay; ul palidde aq !leis ales ay; jo spaaaoad aqZ •ales Aug ;e Btaadoad ay; aseyaand Sew aaullsap st! .to aapuari •At.gi aigeapiddd fq pagpaasaad aauuew ay; up pion aq !lugs £taadoad ayt pug 'ales jo aaptou ay; gslignd !pegs aapuaq •ST uol;aas up pappnoad aauuew ayt u! aa,Aoaaog o; aim ay; jo aap;ou an!S hugs aapuari •Angri algganddy y ;1At aaugpaoaag ut ';uaaa;3pp 3! '1f;aadoad ay; jo uo!ssassod up uos lad ay; o; pug aaMoaaog o; asolaaaoj o; mua ;up jo aap;ou anlS !pegs aapuaZ 'apes jo aankod ay; savior! aapuaZ .II •aauapina aim Jo sisoa pug saa3 4 sSauao; ;g aigeuoseaa 'o; pa;pwp! ;ou ;nq 'Suppn ju! 'zz uol;aas spit u! pappnoad sa!pawaa ayt Sumsand up paaanaul sasuadxa Itg laalloa o; paltp;ua aq Hugs aapuari %tun aiggagddy ,fq pa ;;twaad sa!pawaa aay ;o Aug pug ales jo aan&od ay; a)lonul Agin pug pugwap aay ;an; ;nog ;p, t tuawna ;sui 9T Jo St abed U 87z1.`74 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: (lieu STATE OF WiefftlN8, The foregoing instrument was acknowledged before me this 3 /,/O l by LEON ROGERS and CRISTINE ROGERS husband and wife as joint tenants by the entireties. My Commission Expires: j j j( NOTARY TAOPUBLIC My Commission Expires January 28, 2004 MICHAEL H. BROWN 380 E. Main, Bldg. B, Ste. 103 Midway, Utah 84049 O N ROGERS D.. C STINE ROGERS Page 16 of 16 Notary Public U)/4kA County ss: 112 (Seal) Borrower (Seal) Borrower. (Seal) Borrower (Seal) Borrower Form 3051 1 /01 :slsutul Z Jo I a$gd `01 pa ;tunl iou aze ;nq `apnlout suotpe;uasaidaz I¢tza;eyA •ueo7 aip u ;inn uot;oauuoo ut (uot ;euuojut IEtzalEUi tgcnn zapual aptnozd o; palm zo) zapua o; s;uaiva ;u ;s JO Uot;Euuojut a;EZnooeut JO `8utpealstul `asle3 AIIEpa;ElU ane8 ;uasuoo JO a8palmou)l mamo.uog q ;inn 10 zamozzogjo not ;oaztp alp ;e But ;oe scut ;ua JO suoszad Aim zo zamonog `ssaoozd not ;Eoildde ueoi aq; 8utznp `3t ;Inujap ut aq 'pits zamouog •uogrollddy ueoZ s •g 068£osn MI 068£ 111 1NI311Ifflh1SNII I411103I■If1 alppaa3/awN a!uus3- ,illuiz3 ajButS HaaIH 3NIOH QNOD3S 3 Lt� LSI L IfII�I °A.izadozd aq; jo asn 10 Aouedn000 aq; zano lo°I;no° tiuE uoszad zaipo ttue uo uuTT ;uauza2EUEUZ E ani8 z0 kjzadozd ail; 1ua1 01 zatl ;ta uam0Ziog saztnbaz ;ELI; ;uautaazBE z0 Iood je;uai t(uE in 10 ;UatuaBuEZZE digszaumo pangs nip zo SutzEilsauu; Aug o; Azadozd ail;;oafgns;ou imp puE 'sawn IIE ;E;uaIu Cofua put asn antsnloxa s z03 alqultenE d ozd atp daol Ilugs zamozzog •aUI01 puooas S,zamozzog alp `asn Aluo IIEIIs pue `,idn000 Hugs zamozzog •,fauednaaO •9 :8utmolloj atg iiq paauldaz azu puE pa;alap azu ;uauunzTSUJ 41113aS ail; JO 8 puu 9 soot ;oag ;Eit1 aaz8e pue ;U Uanoa zaipznl zapuai puE zamozzog ;uatufl 1SUI AIZnoaS ail; ut apriu s;Uamaaz8e puu s;ueuanoo aq; o; not ;tppi UI E1 [ssaippy �iado.tdl 8Z1£8 OAIIIAIOAM `13313.1,S IIAIId 6 pa;eool st tlotilm „Azadozd„ ail ;);uautnz;sui Animas ail; ut paquosap Xzadozd aII; 8uuanoo puu a;Ep cures ail; jo (zapua-I„ alp) •aIo `}RIOM1a x 9ATIW4 I NIyORIIIuy o; a;oN s,zamozzog aznoos o; (pau8tszapun suosiad 010U1 10 OUO azu azatp zatpagm „zamozzog„ aip) pau8tszapun aq; Xq uant8 am) cures aII; jo „;uautnz;sui X3unoaS„ aq;) paau 3unoaS JO `;sntZ jo paaa `a8E8;.tow aq; ;uautalddns puE puauzE 03 pump aq Hugs puE o ;Ut pa;uzodzoout Si pue `IOOZ View Jo Aup t16 stLl; apEUI sI liaGRI GNIO3IIS SIH.L L IUfl1 TI'1OH QMOD S 08721`4 ON ROGERS (Seal) Borrower Page 2 of 2 1 representations concerning Borrower's occupancy of the Property as Borrower's second home. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Second Home Rider. (Seal) A`� (Seal) Borrower L 3 T`INE ROG 7� Borrower (Seal) Borrower Form 3890 1/01