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HomeMy WebLinkAbout87274611 11 1 11 1 L0 /L LSOE WAod 1 1 11 11 'S1IgIAI (888) 'tat `9Z0Z TOS8t7 IJA `guild `9Z0Z x 'O'd 3o .iaqumu auogdalal pue ssaippe tie seg pue `ammulau jo smug all iapun 8uilsixa pue paziuu8io si •puauinapsul SlunoaS slap aapun aa8e8paour pap sl S?IaII%I 'su8isse pue SJ0SSaoons mapuaI pue Japual .zoj aauiuiou u se /Clams 8upou si legl uoile.rod1oo alu.n das a si slow 'oul `suralsics uoileiisi8ag oiuoiloalg a8e8uoyj st (0) •luauzn.zlsul Slpnogs sigl aapun zo8e8liouz all si iamor.rog '9I uojloaS ui paptnozd osle ape luaurnoop sigl ui pasn spiom 3o a8esn aq1 8utpie8ai salru uiuliaJ 'IZ Pue OZ `81 `£t IT suoiloaS ui pautjap an spaom lallo pue molaq pauijap aze luaurnoop sill jo suoilaas atdulnur ui pasn spioM 33i'L9O989O9L£000T NIN c1 9 HOVd %9v )OoU JN1VVO) ,BV4V I 13) :ii" 3 I INV r 0 »C Hid 66 8c1 10 *12iJ13 1,1N1100 NiOONl1 S4131N HlIM IMIAMd1SNI WliOdIN11 oeLN up.aapes e,ael pue uwages u Leos si „aaA&oaaog„ (g) ivaumoop sigl 01 szapig tle glum .zag1a8o1 TOOZ /6O /ti0 NIP SI 1TM luaurnoop sigl stream „puaurnapsul ,fllanaaS„ (v) [ma 2mpaooall a•g pun spa anoq' ands] ds] L6ZL LZg(009) SWHOd 39HDI14O1AI dWn s�e!UU� g L to L a6ed L0*(9000) (AM)V9- alppaJd /ae(N a(uueA- AIiwed al ZtZL9O989000 SNOI.LINIdgQ elue Ld eS LJJ2H :SCE pa.rudo1d 9 17 CN Laane1 qunoN `fieM1Jed fi,anqua3 OOZ uo I42Joduo0 a6e6qJOW 3VN9 oZ uinlag 777311414 Sr it MQ98 33S .913131.10A1 stgs tA, al 'p� 087271G 6 9 7 (D) "Lender" is GMAC Mortgage Corporation Lender is a Residential Mortgage Lender organized and existing under the laws of Commonwealth of Pennsyl vani a Lender's address is 200 Century Parkway, Mount Laurel NJ 08054 (E) "Note" means the promissory note signed by Borrower and dated 04/09/2001 The Note states that Borrower owes Lender One Hundred Twenty Seven Thousand Dollars (U.S. 127 000.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than May 1, 2031 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. 000685057242 6A(WY) (0005).01 Adjustable Rate Rider Balloon Rider VA Rider Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Page 2 of 15 Second Home Rider 1 -4 Family Rider Other(s) [specify] Initials Form 3051 1/01 L0 /L 150E 'mod 869 9 t )o E O6ed 1.0 (90001 (AM)Y9 Zi LS0989000 Ailadozd Fat 5uuanoo luatunllsut iilunoas tu1o11un E alnulsuoo 01 uopoipsunf iq suoUuLEA palUull t]1]m sumuanOO tuloJtun -uou puE asn [EUOt1Eu 10J sluEUanoo uLtoJtun sautgtuoo XJJH[1DHS SIHLL •pzooai 3o saoumigtunoua AuE o11Oafgns `spuemap pug stutuio IIE isutE5E iilladold all 01 a[ltl all A]]EZaua2 puaJap iitnm pui S1UEJ1EM 1aM011og piooai 10 saouulqulnoua 1oj ldaoxa `palagmnouaun st Slladold all lull pug Alzadold aril AanuoO puE 1u1.t2 `aa11ou1 01 11121.1 aril suq pug paifanuoo Sgalaq alulsa am JO pastas AtinJME! s[ 13MOlzog 1rll S.LNVNgAOD 2IgMO2I'1Og luautntlsul iilunoaS spy. &moouuo puE 2utsuaiaz `01 paututl iou inq `2utpniout lapuari 3o paitnbai uouou Atre a}IEl of puE `Ailadold aq1 Ilas puu asopaio3 01 10u all `01 pautut] iou lnq `5utpniout `sisaialut asogi 10 IIE 10 AuE astataxa o1 :112u atll sEq (suatssu puE siossaoons s,lapuari pug lapual ioj aaupnou sE) S2igys' `tuolsno JO MEI tntM Aidtuoo 01 £r ssaoau 3I 'lnq `nuatunllsui AlunoaS still tit zaM011og iq paluEi$ slsalalut a 01 aI1T1 IaaI smog S)IglAT rEtI1 saa13E pur spuEls.1apun 1aMO.uog „•A11ad01d„ aq1 sE luau1n11sui SltinoaS still tit 01 pa.t.zajat sT 2uto2alo3 all Jo Itd •luatutulsui iiltlnoaS stun Aq palanoo aq osJE nulls suotltppu puE sluatuaouidaz IIy •Anladozd all 3o ilud E .iaijEaiaq so Mou samlxtj pre `saouEUalmddE 'sluatuasEa iIE puE `1iiladoid aq1 uo moan 1aijEatal 10 MOLT sivatI1 A01dU1i all IIE I- LIM 1131-1I 3D01 „ssalppd 41ado1d [apo3 d 93'1E8 2uuuo/CM [41131 ioowS [roans] 091 p2Od ,40 aUp1 *AM l3 ZZ9 Jo ssaippi all suq IilluaUno lotgm 0O '13000b106 '1O£ :1aqulnN QI Palm le601 pauoe44y aaS '0OT3000i7 106T0£ S L R4dedoJd aye (#i]I )(Pi 44,1ado,ad) JagwnN l90.12d s ,iossassy ayl [uouo(psunf Su)paoaag jo atut:N] [uooa)psunr Suiplozag jo ad,Ci] U [MU Ll JO if uno0 aqi ut pa1EOOI Alladoid paquosap 2utMOlio3 am `airs Jo 1aMOd lltm `S2igvi Jo satssE puE s1ossaaons all 01 pug (sOissu ptru slossaOOns s,lapua'i puE zapuaJ 10j aauttuou sr Aiaios) Sggyni 01 Aanuoo puu lur12 `a2R211out Agazaq saop 1aM0110g `asodlnd sign 1o,d '010N aj1 puu luatutulsui AlunOaS sill lapun sluatuaal2E pug sluEUanoo s,10MO11og 3o aouEtu1o31ad a1I1 (n) pur :310N am Jo suot2Eo!jTPotu pyre suotsuaixa `s[Emaual [ig pug `treo-i aqi 10 luatu iEda1 all (T) :lapuag 01 samoas luatunl1sui Allmon siu,L A.L2I IdO2Id gin NI SIHDRI JO 2IgdSNV2I.L •1uatunllsui /1i1nOaS stgl 10 /puE a1oM all lapun suonu$tigo s,lamofog patunssE suq Surd imp iou 10 lallagm `kl1adold all 01 ajt1 Ua)Iu1 sun 1Eg1 1i11Ed AuE small „aamoazog 3o ;sacra ;ui ut aossaaanS„ (1j) 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 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 fo 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 000685057242 6A(WY) (0005) 01 Page 4 of 15 699 Form 3051 1/01 loll 1.90£ LLJOJ 0 01, AP Cap- 9 9 L ;o 9 e6ed to(aooa (AM)V9 10 au50589000 alp 5 U1i Jiluapt a0I1OU E 1aMO11Og 3At2 AEU' Japua'l luaunulsul ,ilimoas sup Jan) Aliloild uium uuo goigm uatl u of loafgns s! /C1Jadold aq1 jo 11ud Cu a imp sauiullalap Japua'l 3I •luatunllsul Alilnoas sill 01 uail aq1 2utlEUiplogns Japua'l of 1izoloujspus fuaulaaaE uE uaq alp jo Japlot all uuouu sainoas (o) Jo :papnlouoo a,IE autpaaooid tons !pun Aluo lnq `5uipuad a1E s2utpaaoold asogl aiigM uail alp jo luauiaalojua at1 luanald of alalado uotuido S,Japua'l ui toigM auipaaoold Im2al `Ut uail at1jo luamaamjua lsutm2E spua;ap .10 `iiq g1iE3 pool ut uail aq1 slsaluoo (q) :luatuaaaE gons Suiuuopad Si JaMO1JOg su 2uol os Aluo lug `Japua'l 01 aiquidaoou Jammu! u ui uail all (q pamoas uotlaggo all jo luautkud aq1 of 2u11UM ui saa12E (E) :JaMoJJog ssalun luaU1n1Isul iCltmoas sill law Alpoud sag goigM uail Aua a2Jagosip Allduloid hugs 1aMOJJOg uoiloaS ui papinold 10uuEU1 OLD ui utagl SEd pugs 1am11og 'small Mo1OSg 3111 dual! asat1 1ut11ua1xa all oZ •Sua 3i `sluautssassy pull `saad `sang uoUai0ossy iiliuntuulo3 pua `SUE 31 `Alladold alp 110 slum pun0J5 10 sluaulAud piogasual `luauin11sul iilimoas sigl .tano uiullu uuo gotgm ,illadold am 01 alqulnqui1E suopisodun puE `sau13 `saalugo `sluaUtssassu `saXE1 Nu /cud Bugs 1aM011og •suatl :sanEg3 f Japua'l iiq Nag spund ifuE 1aMO1JOg o1 puma' ,itldulold huts lapua `luau1n11sul ,ilimOas sup iiq pampas sums Ira 3o IIn3 ui luaul1i1d uodn •sluauDiad Aigluout ZI amp OloU1 011 111 lnq `ydSd?I qqm aouupl000u ui Souatogap agl dn a?IEU9 01 iilassaoau lunouJE at1 Iapua'l 01 /cad pugs JaMOJJOg puE `ydsgg Aq palmbal sa JaMOJJOg Ajpou hugs Japuarl `ydSgJJ 1apUn pautjap su `MO1OSa ui plat spund 30 iCouaio13ap a si a1ag131 •sluaulAud ,Clgluoul Zi uuq1 afoul ou ui lug `ydSg2I 1 11!M aODUpx0001 ui a2E1JOgs 3141 dn alum 01 AJESSaOau lunoula at1 lapua'l 01 Aad hugs JamoJJOg puE `ddSg .I ,Cq palinbal su 1amo11og /3ilou pugs Japua7 `VdSg i Japan paut3ap su `monOs° ui plaq spund 3o aallots a si a1ag13I 'VdSH 1 1111M 03Uap1000E ui spund Ssaoxa at1 103 1amo11og 01 moon guts lapua `VdSg1l lapun paugap SE `MOJOSa ui Nag spund 3o snldlns E si warn 3I F�dSg2I Aq palinbal sa spund 3141 30 2upuno0OU januu1 nu 'amp lnOiliM `JOMOJJOH 01 anid Huts Japuai spund at1 uo mud aq hugs Isamalu! 1311 `JanaMOg `2ui1i1M ui aa1f1 1110 Japua'l puE 10M011og spund aq1 uo S5iU1U1Ea 10 ISOIOIU1 SUE JOM0110g 1iEd o1 palinbal aq loll hugs Japua'l `spund aq1 uo piud aq o1 1salalui salmbal Mug algEOilddy 10 U11i1M ui ap1U1 si luaUlowJ& uu ssalun •a2Jago a gons o p i.0 O1 Japual suuuad Ma I alquotlddy pug spund alp uo lsalalut 10M0110g sA1d lapua'l ssalun `salad Mo10sg alp 2u!ICJilan 10 `1uno0011 Mo10sa uiziiplu1 ,CIIEnuu1 `spund all 5uiAlddu pug 5uiploq 103 JaMO.IJOg amp loll pats lapua'I •Nrgsa I Japan pai310ads amp all uugl 131111 ou small M01osg all /cud 01 spund 3141 1Cjdd1 hugs Japua'l •}IuEg uuo' ariI011 i1lapad /Cull ut 10 (palnsut os 0111 slisodap asoIM uoilnlilsui uu Si Japua13i `lapua'l &uipnlout) JCITIua 10 `iilijuluaunulsui `iCouau IE1apa3 E paJnsui 01E slisodap aso4M uopmpsut uE ui plat aq Bugs spund ag ME'I algaotlddy t1!M 00Uap1000a ut as1MJag10 Jo SuIag moIOSg amin3 3o salnlipuadxa 3o salautilsa alquuosual puE 111Ep 1ua1Jn3 3o sisal all uo anp spund 3o =mum aq1 alacutlsa hugs Japua'l •ydSg2I Japan altnba1 u10 lapual E lunoul1 mamma! at1 paaoxa o1 loll (q) puE `ddSgg Japan paijtoads au911 aq1 111 spund aq1 Aidd& 02 Japua'l iuluad 011uai0i33ns (E) mom uu 111 spund plot puE 10ai1o0 `aunt 1fu1 111 'Amu Japua-1 uoiloaS sup Japan palinbal uatl am 11111 `Slunotu1 tons ui puE `spund IIE Japua'I o1 1i1d hugs 13M01JOg `uoi2Eoona t gons uodn `puE S i uoiloaS g2i" 00UUp1000u U1 uanl5 a0ilou a iig aulil SUE 111 sulall MOJOsg Ill 10 SLUE 01 SE lan1EM am 0)10A01 S11U1 Japua'l •IUnOLU1 gons 1Cue lapua'l 01 ,Cuda1 01 6 uoiloaS Japan palu2i1go aq uagl Bats laMOJJOg puE mourn qons ii1d puE 6 uop0as iapun asTOJaxa Amu lapuarl `Mall Mo1OSg ua 103 anp lunoulE all Cud 02 shad 10M0110g puE `JaAmm a 01 luanslnd `iCI1Oalip swan mama piud of pa1E2ilgo Si JaM01JOg 3I •6 uoiloaS ui pasn Si „lua11I001 u puE luuuanoO„ asIJgd all sE `luauJrulsui 'C1un0as sup ut paui1luoo 1uauWaalf1 puE luuuanoO z aq 01 paulaap aq sasodlnd IIE 103 IIEgs Sldia0al apinold 02 pug sluaulAud tons 0)1E111 01 U0i2Efilg0 s,1aMO11og •almbal Amu Japua'l sE poilad 011111 gons u1gl[M lU01.U' ad gons 2uiouapina sldia0al lapuaT 01 gsiuln3 pugs `salmbal Japua'I 3i `puE Japua-1 iCq pan[1M uaaq sal spund jo luaulA1d t014M 103 small Molosg 103 anp 91; ZLRO 08727/16 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 000685057242 6A(WY) (0005).01 Page 6 of 15 701 Form 3051 1/01 LO /L LSO£ wioj 9 L 10 L oBed L019000) (AM)V9- Z aiquuosuai 5ulhd (o) pu11 :moo ut ulleadde (q) :Iuaumiisul iilunoas sup. nanO 4uoud s11q galas earl 11 1Sq pins stuns Sim 2utiied (e) :01 palms[ Jou an lug `apnlout tmo suouan s,lapual •Slladold aril 5uurndaz 10 /pue 2uunoas pun `Slzadoid am jo amen uissassu 10 /pug 2unoaloid 2ulpnlout `luatunllsul 'ipnoas sup .Iapun slg2u pun Spada'," alp ut lsaia1u1 s,aapual Joaloid o1 aleudoiddn s0 aigeuosuai st lanalegM 1o3 hd pum op XEin lapual uagl `Slladold all pauopuuqu sun 1amo11og (0) 10 `(suoulgin5a1 .zo sMal aD1OJua 01 10 luatunllsul JilunOas s1141 Pm) iS1u0t1d u[nlln Amu gotgm uati E 3o luauzaOloJua 10; `01n11a11o3 .zo uotleuuiapuoo 1o3 `alegoid `Soidnnumq 111 2uiPaaoold E se tons) luaumusul Slllnoas sup iapun mg!' 10 /pue filmdom a u 111 Isalalut s,lapual palm AIJUgou!u !s lgEtut ingl 2utpaaooid "dal a s1 10141 (q) luannuisul 1iulnOas sup U1 paUU1. U0o sluatuaaJ2u pue slueuanoo ail uuojlad o1 s11e3 1amofog (e) 3I •luatunalsuI flianaas sigl aapun pue Xlaado.td all ui isalalUI mapuarl3o uoi3Oalotd •6 •aouaptsai ledtouud s,10 ouog se Jil10dotd alp jo Souudn000 s,lamoLIog 5uunoouoo suotluluasaldal `01 palltutl 1011 0111 inq `apnioul suolleluasaldal 114110111TH •ueorl alp 14 !M uotloauuoo 111 (uojlnuuoiut J 11algtu 1411M lapua' apinold o1 pailu 1 O) 1apual 01 sluauzalgls 1O 11011Et111o311I muumuu! 10 'ulpgalsItu iJJEUa1EUZ ana luasuoo 10 apa1MOU)i s,1aMO11og gum s0 1OMOIJOH JO uotloattp 0141 111 ulloe saTIUua 10 suosiad iSuu 10 10MO110g `ssOOold u0TIEOiIddE UEO1 aril 5uunp `31 1jnE3ap Ut aq Begs IOMOJtog •uoileaiiddV ueo-I s,aamoaaog •g •asnuo aigeuosEa.z Tons 2u1S3toads uotloadsut loualut UE tons O1 loud 10 3o at1111 alp IE aO11oU zaMOZiog anti Ile14s lapuai •Suadold all 110 sluaUIanOidurt 0141 30 101101U1 all loadsul Sulu lapual `asnuo alg11uos11aa 51114 11 3I •,Cllad01d all jo suonaadsut pue uodn saulua alg11uosual htu luau su 10 aapua1 •uog11loisal 10 n 11da1 tons jo uouaidmoz all 103 uo11a11Qo 5,1amo11og 3o panalial lou ST 1amo11og `Iilladold 0141 alolsal 10 n11d01 01 luatot33ns 1011 0.111 spaaoold uougutuapuoo 10 aoUElnsut at} 31 •palalduzoo s1 )I1oM all su sluau1iiEd ssaa5o.zd jo saws E ut 10 luauzked ai2uts E ut uopazolsaa pue slt11dal ati 103 spaaoold asingsiP Sulu aapual •sasodlnd tons Jo3 spaaoold pasuala.z seg aapua• 31 Sluo Sl1adold all 3uuolsal so .to3 algtsuodsaa aq Buts 1aMO11og `Alladold all `3o &uf(gl 0141 10 4 01 a11Urep glum uolloauuoo 111 pled 0111 spaaoold UOIIEUtuapUoO 10 aOU111nsUI 3l •auUrep 10 uoj1111oua1ap 1aT11n3 Pion11 01 pauun p 31 SJ1adold all 1111da1 iCjidtuold Hugs 1OMOJJOH 'algts11a3 SIIEOIUmuooa lou st 1101111101501 10 Medal 111141 S Uopo0s 01 luunsind paU1tu1aIap s1 11 ssalun •u0plpuoo 511 01 anp an4En 111 2Uu11aloap 10 2u11111oua1ap wag iilladold all luanald o1 1ap10 ut ,il1ad01d all uIE1u1Etu 1W145 1aMO11og 'Spada'," all 111 $uIplsal s1 1amo11Og I011 10 la11131M •X110do1d all uo alsBM 11unuo0 10 a1Eloualap 01 filmmdold all Mo11E 'Spada'," all 1lgdt111 1O a5nuep `iSO11sap IOU hugs 1aMO11og •suo!IOadsul :,flladozd all 3o uoilaaload pue aaueualuley\l 'uoilenaasaJd •L 10111100 5,1aMOIJOH puoSaq 0.1E goi14M 151x0 saOU11IstufOnO 2u1111nua1xa ssalun 10 `pla14g11M Slg11uosualun aq 1011 hugs luasuoo to1TM '5u11iM 111 5001511 aslmlatlo Japua-i ssalun `S0U11dn000 jo amp a141 101311 11105 auo 151101 111 104 aouopisal 111d!ouud s,lamollog 511 iilladold all Adn000 01 anuUuoO Ins pu11 luauutulsui Iilunoas sup ;o uotlnOaxa a141 1013E sJfep 09 ultllm a0Ualusal I11dlouud 5,10m0110g SR iS11adoJd 0141 asn pun `gs1ig111sa `Sdn000 slugs 10MOIJOH •,f3u11dnaaO •9 •anp 110141 lou 10 10141014M `1uOunulsul IS1lmoas sup JO 010N 0141 1apun pi1dun slunouJE XRd o1 10 ii110d01d 0141 0101Sa1 1011ed01 01 1014110 spaaoold aou11nsu1 0141 asn /Sutl lapual •S11ado1d alp Jo a111an00 all 01 alquolidd1 0111 s11.J 1 tons 511 111305111 `,i11ad01d 0141 2uuanoo satotiod aou111nsu1 IIg lapun (1amo11oq iq pl11d stuntuzald pau111aun 3o punJal Ata 01 11$11 at11 1111141 1at1o) slt$u 5,1amo11og 3o 1ag10 Aitzm (q) puE luatunl1sul ISiunoas s1141 10 0101 0141 1ap11n pl11dun s1Un011t11 0141 paaoxa 01 lou umou E 1111 ut spaaoold aouglnsut iiuu 01 sup.' s,1aMOfog (11) lapua1 01 satssu Agalaq 10M0110$ `as4Mlatlo 10 ZZ UOl1O lapun C11adoid a141 sannbo1 1apUfl JI 10 `Juana 1014110 111 •uan12 st aot1OU all 110TH ut5aq 'pm pouad hp-0E au, Immo 0141 011105 pue 0111!1o2au Satz lapuaZ 110141 `mtElo E 011105 01 pa1O33o sat 1au1110 aoUEmsul aTl 111141 lapual map 0011011 11 01 sii11p 0£ 1111411M puodsal lou swop 10M011og 31 •51a1111t11 pa1111a1 pu11 tu1a1O aou111ns11t aigalt11AE iSul 041105 pug 01111102011 `ail; Sulu 1apu01 'iivadold all suopung11 1amo11og 31 •Z uoll0as ut 103 paptnold 1apmo all 11 1 palidd aq i11114s spaaoold aou111nsu1 tons •1amo11og 01 pled `Jinn 31 `ssaOxa alp 0S7Zirai, 7 0 3 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. 000685057242 6A(WY) (0005).01 Page 8 of 15 Form 3051 1/01 LO /L 150E WJoj g In 6 e6ed to'19000) (AM)d9 ZVZL50589000 •z uoiloas ut ioj papInoid Iapmo a43 ut !mijdde aq Hugs Ailadoid atp 3o I!edat I0 uoiueioisa1 01 paljdde mu PIE 1e111 Spaa3O1d snoauejjaosiyi( Ild •iapua-1 O3 mud aq Hugs pu11 paugisse Xgalaq ai11 A11adoid 041 u! 1saia1ui s,iapua 3uatunedtut 01114 of a(gelnquu11 aie legs saguutep ioj unp .10 pieme XU11 jo spaaooid agy •luatunilsul Minims sup .tapun slggu JO S110doJd 01114 ui lsaialut s,lapua7 jo luauuledun (11ilaletu taw 10 IC31ad0Jd 041 jo ain3iajto; sapn(0aid `luatugpnf S,1apua'l ui 'imp &ulltu 11 gltm passuusip aq 01 guipaazoid so wpm all 3u1stwo Xq `61 uoi3oas ui papinotd se alelsuiai 'paun00o szq uoiluiaja00u 3i 'pug 1jnejap u pus ain0 u110 Iamoilog •luatutulsuj Alun0as sup iapun s3ggi1 JO S310do1d all ut 1sa'alui s,lapua'( jo luatunedun jeualutu iaglo .to Xuadoid agl jo ainuajioj ut ijnsai pjnoo `luatugpnf s,iapua'1 III `111 ungaq s! `j11uiuttlo 10 Iwnwo .1aglagM `Sutpaaooid so 110p011 Xu11 4! Unujap ut aq Hugs iamo.ttog spaaooid snoauullaostjAl pluga1 ul uotlo11 30 3t !1 u sun Iamo110g mown 1sut11ge ,died 0141 s0 spaaoOld SnOauejjaostJA 1am0110 1 saw() 1e11 died piitjl 041 suuaul „A3111d gulsodd0 •anp uagl loll zo Jagmgm `3uatunl3sui'iunoas sup Sq palnoas stuns atp of 10 A31ad0Id 041 40 Ireda1 Jo uoileiolsat 01 taw spaaooid snoau11jjaostJA( all Xjdd11 pug loajjoo of pazuogin11 sit Iapuai `uanig si aopou all amp am 103311 sri11p 0£ utg31M Iapua-1 of puodsai 01 sjie3 IaMO110g `sagetuep 103 ut111j0 11 ajllas 01 P111M11 U11 aN 1W 01 sia ;3o (aoualuas lxau aqi ui pauuap s11) /C3111d guisodd0 atp 11141 IOMOJIOH 01 Iapua-1 aopou 101311 `31 10 `1amo110g Xq pauopuug11 si Slladoid 043 3I •anp uatj3 0111 sums a43 loll 10 1aglat4M luatunllsul 'C4moas s141 iq painoas stuns a41 03 paijdd11 aq Hulls spaaooid snoauuljaosm 0111 `gu(311M 111 001$11 asImmtpo Iapua'1 pure 1am011og ssajun 'anjen ut sso! 10 `uoponnsap `2uDj111 111p111d all aiojaq XjalEjpatutui painoas stuns all 3 lunotu11 a41 1111(1 ssaj st anjen 111 ssoj 10 `uopotutsap 1ui (113 re11111d 0141 aio jaq 'ijaleipaututi XUado1d 0141 3o anjen 1a�jletu 11113 all 11011M ut Xlladotd ag1jo anj11n u! ssoj 10 `uoilonllsap `Iupje3 (11t 11 30 3U2na am ul •IaMOIIOg 01 pied aq Hugs aou11p q III •an(11n ui ssoj 10 `uoilotulsap `gupj111 j11illud 0111 alojaq ijal11ipaunul IClladold alp 3o anjen Iaij111tu 11113 043 (q) Aq PapTnip anjen ui ssoj 10 `u0i1on11sap lu!)1111 jepled all aiojaq iCjalutpatutul painoas sums atp 3 3unOtuu (11301 01(3 (e) :1101301114 gutmo(joj all Aq patjdiljnut spaaooid sn0au11jja0siJ, ag1 3 lunotu11 ag1 riq pa?npai aq Hugs 3uaunuISUl I1un0as sup Aq paln0as sutras alp `cIU1It1M ul 001$11 aSTM1ag10 Iapua'( pue 1am011og ssajun `anj11n u! no! 10 `u0IIOtU3sap 1113(111 j1111111d ag1 aiojaq ,ija1111pauttui luautnllsui 'flunoas sup sq painoas sutras am to lunoun 01414 u11g1 1a1saJg io 03 jenba s! anjen u( sso( 10 `uopotulsap `gupjel muted am aiojaq iC(al /illadoid 041 3o awn 1a3j111ut n113 ag1 lMigM ui 410(101d ag13O awn u! ssoj 10 `uoilannsap `Iuprel j1113111d 11 JO luana 0141 uj IaMOIIOH 01 pied `Xu11 `ssaoxa am 11!M `anp nom Sou 10 1ajlaIM `3uatunllsui Animas sill iCq palnoas stuns a41 01 pai(dd11 aq !lugs spaaooid snoattejjaOsiyi( agi `1illadold 0111 3o anjen ui ssoi Io `u0ponllsap `$ut3j111 ju103 11 40 Juana ant uj 'Z uo(10as u! 104 paptnotd 101310 ag1 u! pa1(dd11 aq gulls spaa00id snoau11(ja0sm gons •Iamoliog 01 pred 'Atte 31 `ssaoxa at{1 l3TM `anp mg! Sou 10 Iagla1M `luatunitsui Xilin0as sup sq palnoas stuns 0141 01 palddu aq pugs spaa00ld snoatrej(aosm all `pauassa! aq mom i(lunoas s,lapua'1 10 ajgisea3 (j110lutouo0a 1ou st =dal to uo1311101sa1 atp 44 •spaa001d snoattejja0s!JA( gons uo sgujul11a JO 180101u! /Cue 1amo110g 'Cud o1 palinbal aq 1ou Hugs Iapua'j `spaa0otd SnoaUBjjaosi JA gons 110 pt11d aq 01 180103111 salinbat mi'1 a(g11o1jddd JO 1.113i1M ui 0(11101 st 111atuaa1 1? 1111 ssajun palajdtuoo s( 3 0m a41 s11 sluat11, Rd ssalgold 3o sagas 11 u! s0 luatuasIngs;p ajguls 11 ul uopelo3sal pug snredat 0141 103 /C11d /cm Iapua- •Sjldtuoid uai(1111ap11n aq gulls uolloadsu( gons 31141 papinoid `u0110e3St111s s,lapual of paiajduioo uaaq g114 ajIOM all a1nsua 01 X11ado1d lions loadsui 01 ii11un11odd0 1111 p11l 5114 Iapua7 !thin spaa0old sn0au11jja0siyi( 40ns plot! 01 lg2ti .agi an11g jjegs IapuaZ `potiad uo1111103sa1 pue Medal lions gUu •pauassa( 1ou Si Animas s,Iapua'( pue ajgisua; X1(eottuouo0a s1 1I11da1 JO uoi311101sa1 am 3i `I31ad01d atp ;o 1111da1 10 1101311101801 01 paljdd11 aq (jugs spaaooid sn0auejjaosipsj gons 'pag11tu11p s1 X11ado1d all 41 •iapua-j 03 mud aq gals pull 03 paug!ssu Xga1a4 ale spaa00ld snoau1jja0sm !j,d .alnilajaod :spaaaold snoauu(laastpj 30 ;uatuugtssy -TT •uoi;eulutaa; .to uollujjaauea gaps 3o atoll alp le pauleaun aia,t ;114; stunnuaad aauuansuj a3u23aej%j Jfue 3o punjaa e anla0aa 03 a0mue ',flie0llutuolne pa;11ululaa; a3u111nsuj a212;aoj,J all anug o3 'aOu11ansuj auntojAJ al; jo uopullaauua wig() pue 3sanbaa o; 'saansopsip u(11;aa0 anla0a1 03 map am villain /few s3I4 !J aaags •M11( 1ag3o Alm 10 8661 3 30d u011301oad saautoautog aq; aapun aau11ansuj ag1133aojAi aq; 0; 30adsaa mph Sue 3! suit 1am0aa0g s1LNta aql ;003311 lou ((IM sluattaal$11 laps £ud (q) 0 8 7 27 1 :G 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. 000685057242 -6A(WY) 100051.01 Page 10 of 15 in u 705 Form 3051 1/01 L0 /L 690E WJOI 9 0 i 9 L ;o L 96Pd 10'190001 AAA )t/9 at eL90989000 ddSD?I uopeuuolui Jaglo Niue pug apeuu aq pinogs sluatuad golgm o1 ssazppe atp `zaotnzas ueog mau ag1 jo ssazppe put atueu agl aiels IIint goigm a JO aopou uallizm uant2 aq Him zamozzog `zaoinzas utog agl jo amp a st azagi 1i 'atoll alp jo arts a of pawrazun zaoinzas ueog atil ;o sauugo azouu z0 QUO aq igPuu psis anti! •mgg arquoiiddd put luaunuisui Jiuznoas sup `a1ON agi zapun suotit$iigo 2upinzas uzol a201zotu zagio suuzopad pue ivauunzlsul Slunoas sup pue a1oN agi zapun anp sluatuad otpouad sloairoo legs „zaotnzas ueog„ alp SE umou30 SUM agi ui auego e of lrnsaz 1g8iun ales d •zamozzog 01 aouou zoud inogiim saurp azouz JO auo pros aq tuo (ivaturuisui Sliznoas sup gum zagla5ol) a1oN a p ut isazalut muted e zo a10N ata •aauenaia3 Jo ax1lom :aaoptaas ueog Jo aurgD :a1oMr Jo airs 'OZ °81 uoppas zapun uonezapooe jo am agi ui Aiddt lou hugs altisutaz 01 iti$I1 SIM `zanamog •pazzn000 peg ootlezaiaxxe OU ji se ant1oa31a Siin3 uteuuaz rings ,Cgazaq paznoas suoiiaiigo put luau iuisui Altmoas sup `zamozzog Act ivatualtlsuiaz uodfi •zaJsuez,l, spund oiuozloaig (p) JO ililua JO S1treluauznzlsut `Soua2u iezapal t Aq paznsut azu susodap asogm uopnitlsut uu uodn umuzp st vow gins 'Cut papinozd `patio s,zatgsto JO )ixagx mains `,patio lueq 'ratio paldivao (o) :Japzo Sauotu (q) :Teo (e) :zapuag sq pops st `suuo; 2utmoiio3 agi jo atom zo auo ur sasuadxa pue sums luatualeisuiaz gons ad zamozzog itgl aunbaz am zapuag •pa &utgoun anupu0o hugs `luaulnzisui SClunxas sup Sq paznoas stuns am ad 01 uou qqo s,zamozzog pun `luauurulsul 'il sup zapun sig$iz pue Suadozd atp ut isazaluf s,zapuaj lugs aznsse o1 azinbaz iCigtuoseaz ,Coon zapuag se uopou gons sail (p) pug `.luatmulsul Slimoas sipl zapun slgpu pun Auadozd alp ut maim! s,zapuag 2upoaiozd Jo asodznd alp zoj pazmoui saaj zatilo put `saaj uopuniun pue uopoadsut Aizadozd `saaj ,sicauzoue aiquuosuaz `01 pautuir iou Jug `2uipnlout luauunzisul' 1pnoas sup 5utozojua ut paunoui sasuadxa rlt sad (o) `s1uaunaazfe JO sluuuanoo zaglo ,rue 30 lrn1Jap ae same (q) `pazmxxo pug uot1uzalaoog ou 1t sg a1oltI a I1 put 3uaunnzlsul Alimoas sup zapun anp aq pinom uagi qz iqm sums Iii zapuag sad (u) :zamozzog lugs anti suorlipuoo asogj •luaumzlsul Suznoas sup 2otozoJua luatu2pnf t Jo ,izlua (x) JO :alelsuiaz 01 1ggu s,zam0zzog ;o uopeufuual ag1 zoj Snoods ig5itu mvg argtotiddd su pouad zaglo gons (q) `luatunzlsul Al sigi tI pautvluoo alas jo zamod Niue of luensznd filmdozd am jo ales azopaq sap anti (e) ;o lsairzua am 01 mild Quip ACM le panuiluoosip luaunnzisul iiliznoas sup 10 luawaoz0lua anvil 01 1g$iz alp aneq Iletis zamozzog `suopipuoo uftuao slaauu zamozzog H •uoiluaapooy aa13V alelsuiag 01 ;trig mamoaaog '61 •zamozzog uo puuuuap JO aollou zagIzn11noglim luatunzisul 'iiunoas sup Sq paliituad satpatuaz Niue a)Ionut aui zapuag `pouad ship jo uopundxa am 01 zoizd sums asagi ad o1 siit3 zamozzog 31 •luaumzisui rilunoas sup iiq pampas sums lit ad lsnuz zamozzog goigm utglim Sr uotlpas gum aouepz000e ut uant2 Si aollou agl amp am uuozl. sap OE uugl ssar lot jo pouad t apinozd IIvgs axtl0u 31.11 •uotluzaiaxxe JO 009.0U zamozzog 3nt2 hugs zapuag `uopdo sup sastazaxa zapuag 3I mug aiggofrddy Sq paligigozd st astozaxa gons 3f zapuarl iq pasioiaxa aq lot mugs uopdo sup `zanamoH •1uaumulsul Slunoas sup Sq pamoas sums lie ;o irn3 ui luaunad altipaunui azinbaz Sew zapuarl luasuox uallum zoizd s,zapuag lnoglim (pazzaJsuezl zo pros st zamozzog tt lsazalul itioijauaq t pue uoszad reznlvu v lot si zamozzog 3i zo) pazzaJsuuz1 z0 pros si Suadozd ag1 ui mania' Niue z0 iClzadozd agl Jo lied Sue zo it ji •zasutiaznd a 131 amp amini a 1e zamozzog Aq aluljo zaJsuezi agl si goigm jo lualu! agi `luauzaaz2e moz9s JO 10ez1o00 sales 1uauiirtisui 'pap zo3 1xtz1100 'pap z0J puoq u ut pazzaJsuezl slsazalui itioilauaq asotil `01 palimti iou 1nq `Ouipnpui `Suadozd aq1 ut lsazalul iupgauaq .10 raal ,Cut sueatn „Xliadozd a ui lsazalul„ `8i uopoas sup ut pasn sy •aaAtoaaog ui ;sacra ;ui Ieia!Jauag a ao ,Claadoad atll Jo aaJsuea,L '81 •luarunzlsul Alunoas sig1 To pun a10N alp jo /Cdoo auo uani8 aq bugs zamozzog •,Cdop mantoaaog -LT •uouoe 'We aarul of uopairgo iiue lnoglim uotlazosip alos sanf2 „auo„ pzom alp (o) pug 't szan 00IA put !mid agl apnpui put ueatu rings mauls ag1 ui spom (q) :zapua8 auiutumj am 3o spzom zo spzom zalnau Suipuodsazzoo apnpui put maw pegs zapua2 auilnoseuu aq1 3o spzom (e) :luaumzlsul Jiuznoas sup ui pasn sy •uofsinozd Srullxtpu0o ag1 lnotilim papa uani8 aq uto tiotgm a10N am JO luauunusul Al sup Jo suoisinozd zaglo loam lot bugs 1pitluoo gons `mug aigeoriddy grim sipiTluoo aloN am JO luatunzisul 1iltmoas sup 3o asnep JO uoisfnozd Niue imp loan aq1 u1 iotzluoo luawaaz2e lsuiav uoiiigigozd t st panzlsuox aq loo bugs oxtails gons lnq 'walls aq ig$tux 1i z0 iotzluo° iiq aazge 01 soured am molls ICIlioirdunt JO XIlioildxa xq mi mug argeotpddd mvg aigtoiiddy jo suopeliuuir put sluaunaunbaz Niue 01 loafgns ale luaumz1sul Xlimoas sigl ut pauieluoo suopaiggo puv s1g$iz ITV 'paluoor si Suadozd agi goigm ut uouotpsunf 0111 Jo mei am put mei rvzapal Xq pauzano2 aq pegs luaumzlsul iiliznoas sites •uoilanalsuop Jo wing :Aigtgtaanas :mug 2uivaaA0f •9i 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 an y 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. 000685057242 6A(WY) (0005).01 Page 12 of 15 7 0 7 Form 3051 1/01 LOA. LSOE 'mod 9 L )o E L e6ed L019000) (AM)119- CS) et eL90989000 5uiutolirn jo snout uopduzaxa puaisawoq ail jo anlzin Aq puu .iapun siq$u g sanium puu sasualaa tamottog saantpM 'bZ •mu-I atquoilddd zapun palliuttad si aaj aq1 jo fuOaugo alp puu poiapuaa saoinias so; Auud pngl u o1 mud si aaj alp 3i /quo ;uowniisul Climoas sup 2uisualaa ao4 aaj n lamouog amp iuut Japuai •slsoo uogepiooal eiue /cud Imp .tamo11og °luamtuMul 'il isnoas siq) asualai hugs aapua-1 `ivaurtulsui A;unoas sigl iq patnoas sums Iiu jo luauihd uodn •asmalag •£Z 03 paf;i;ua Siw2al suosaad .to uosaad ag; o; ssaaxa Sue (a) pun :;uautniisui ,f;tamas siq; £q painaas sums Hu o; (q) :saaj ,sSauao ;m alquuosua.z 'o; papmil ;ou ;nq '&ipnpui 'alas ag; jo sasuadxa lTm o; (e) :aap.io 2u!Ato!o3 aq; u! pailddn aq !lugs alms au; jo spaaaoad aq j •aps Aum ;u Avadoad aq; asnga.ind Maul aauaisap s;i .to aapuari -n&u' aignagddd /fq pagiaasaad aauueuz ag; u! pios aq iings ,f;aadoad ag; pun 'ales jo aai ou ag; gsiignd Hugs aapua -i •SI uo!pas ui papinoad aauunut aq; u! aaAA0110g 03 NUS aq; JO aai;ou 0A0 HMIs aapua'I •ntmli aiquaiidd' mink aauepaoaan u! ';uaaaJdip 3i 'S;aadoad ag; jo uoissassod ui uosaad ag; o; pun aam0a10a o; 4sopaao3 03 ;ua;ui JO aapou ani2 hugs aapua'i 'alas jo aaMod am Sa?lonu! aapuari 31 •aouappia app jo s;soa pun saa3 ,s,fauao ;m algmuosuaa '03 pawn!! ;ou ;nq 'Nuipnlaui 'ZZ uol;aas sup ut pap!Aoad saipatuaa ag; Numsand ui paaanaui sasuadxa iie palioa o; pat;ima aq !lugs aapua-i alquallddv £q pa ;miaad saipauiaa aagm Situ pun alas jo aaniod aq; a)lonui ,feat pun "puncuap aaq ;anj ;nog ;i ti ;uauina;sui S ;lamas 3lti; fq painaas sums liu jo iiu! ui ;uaut,fud a ;ntpauimi aambaa Sum uoi ;do s ;l ;u aapuari 'aoi;ou ag; ui paupads a;mp aq; aaopaq a0 uo palm ;ou s! ;Inejap a I3 i •ales puu uoi;maalaaou 0; aannoaaog JO asuapap aaq ;o ifum .10 ;mmjap 3o aoua ;sixa -uou aq; passe o; uoi ;au ;anon m 2upq 0; 11121a ag; pun uoi ;maalaaam as ;3n a;n;sutaa o; ;Op ag; Jo aantoaaog 'imp! aag;an3 hugs aai;ou aq,i, •S;aadoad ag; Jo ales pun ;uautna ;sui 'f ;!lolls sup iq painaas sums am 3o uoi ;eaalaaau u! ;msaa Sum aai;ou ag; ui pai31ads a ;np ag; aaopaq .10 uo ;lne3ap am aim 0; aaniim3 ;eq; (p) pun :palm aq ;snuz ;mmpap ag; ganm Sq 'aanionog o; uan!2 si all ;ou ag; a;mp aq; 11x013 s,fep of uug; ssai 3011 'awl) n (o) ;lne3ap aq; aim o; paambaa not ;au ag; (q) f;inuJap atl3 (e) :S31ads !legs aai ;ou aqy •(asin&aag ;o sapinoad aiquailddv ssaiun 81 uoipas aapun uoi ;uaapaae o; loud ;ou inc) ;uauxna ;sui S ;lamas sup ui ;uauxaaatm 10 ;unuanoa Atm 3o gamic! mantoaaog Nu1M0TIo3 uopmaalane o; loud aaMoaaog o; aat;ou anO Timis aapua-i •satpautag :uoi ;eaalaaale •ZZ :smolloJ su aa.au puu luuuanoo xagpxn3 aapua puu J MOJxog 'SINVINIHAOD 1A11IOdINf1 RO 1[.), 0 O 74 ;4716 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: 000685057242 6A(WY) (0005).01 Tara eron 7'09 (Seal) Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Page 14 of 15 Form 3051 1/01 LOIL LSOC WJOd :ss A)unoD 5 L to 5 L 86ed d00i '£t tagw asap sal�az3 uo�ssi 6y to o aim r 1 8 ie ;r ;j�,, uolal uno� 1 1 oilgnd AMON IddilltHd )i N K1 J3HS LO( OOOw (,AMl`d9 ZtZL50989000 :sandxg uoIss!unuzoJ c NO �r M ∎N aM N sq au' aiojaq paEpaimouvg sum luauzruisul'uto2aroj aq,j `ONIKIOAM 3O T,LVIS 0872716 ACKNOWLEDGMENT 000685057242 STATE OF WY COUNTY OF Lincoln On "...C\ l: Shain Saberon, Tara Saberon proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) .Iare subscribed to the within instrument and acknowledged to me that lie4slarithey executed the same in 4ris'hher /their authorized capacity(ies), and that by his /her /their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. ACKNOW 51 ILYN K. °HILLiPP! iVotaPy Public County of r Vr State of Teton Nyommg t My Commission Expires December 13. 2002 4 Notary Seal DESCRIPTION OF ATTACHED DOCUMENT: Title or Type of Document: Deed of Trust or Mortgage Document Date: Number of Pages Signers other than named above: Date before me, personally appeared Name o Notary Public WITNESS my hand and official seal. SIGNATURE OFF�TARY MY COMMISSION EXPIRES ON: 711 EXHIBIT A Legal Description for Shain Saberon and Tara Saberon A portion of the NE 1/ SE 1/ of Section 1, T30N R119W of the 6th P. Wyoming being more particularly described as follows: BEGINNING at a point 2310 feet North from the Southeast corner of said thence West 264 feet; thence North 330 feet; thence East 264 feet; thence South 330 feet to the POINT OF BEGINNING. 712 M., Lincoln County, Section 1 and running