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HomeMy WebLinkAbout872725I 011 LO /L L90E WJO 1 LZ £9£6T 1 111 aD'dd lid 7 0111WC)a hfi 'tHU :AM:A U aNDvn 3NNVJP hI =QI 10 >1H313 )iNII03 N100NI1 1N3Wf1H.4SNI WHOAINf1 aepy elppe.LI /eedy eluued- Altwed eI6u!S- DNIWOAM ST8Z8Z£9 seluls pe4Tun alp jo smut alp rapun Sut;stxa pus paztusS3o NUPE( s6UTAVS te.zapad s St .lapUJ 'sea jtTPueuT,3 Wze,3 aaeis st „rapuaZ„ (0) luautnrisul iCWnoas spp rapun ro8sSa.tocu a p st ramorrog egtnt pue puegsnq qez= H AoteA pue ggezI uopien st �„aamoarogn (S) ivatunoop ua' oI sraptg Its wet rap om t00Z 'g3Z1 ZTadtiP P st Wight `auautnoop spp swam „Iuaum.gsuj d #tanaas„ (v) OM) luautnoop snp ut pasn sprom 3o a8asn alp SutpluSar saitu uts;raD •IZ Putt OZ `8T `ET `1t `6 suotaoas ut paugap ars sprom ragao pus moiaq pauuop ars ;ueuinoop stga jo suopoas aidpinut ut pasn sproM HOVOIXON 1 y [Baca 8tgproaag rod eon pm tiAogd aaudg] 4 890FA48 it 1.6ZL SWH04 39 /91lJOW dWfl :.RPM B 9 L Lo L ailed (9000) (AM)9 91 uop3as ur paptnord osis SNOLLINId U 9 6114 tiaT :'11 parildard f11191 0 10 5 i. 4 O 4 ��QYq'7 U Q AQ 1 u igaid LOStiT0E0 1936327 Lender's address is One State Farm Plaza, Bloomington, IL 61710 0001 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated April 12th, 2001 The Note states that Borrower owes Lender Thirty One Thousand One Hundred Eighteen and 00/100 Dollars (U. S. 31,118.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than May 1st 2031 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: Ix Adjustable Rate Rider Balloon Rider VA Rider (11) "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. (1) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its iMplementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. -61WY) t0005) Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Pape 2 of 15 Second Home Rider 1 -4 Family Rider 0 Other(s) [specify] Form 3061 1/01 1.011 1.90E waod SIT so a;oN aq; aapun 1uaui/Cud sn iapua-I iiq pantaoaa ;uauitu ;nut .101110 10 pogo Pius jt `aanamoH •iiouauno S n ut apsut aq Innis tuauttutsul kiunoos sup puu otoN 0111 aapun anp sluaugud not ;oos o; luunsand swot' mama .to; spun] osls hugs aamouog •a;oN 0111 aapun anp soS sgo or' pus s0gasgo tuoubisdaad Pius pus 01oN peouaptna tgap aqt 'so ;sagalut pus '3o ludtouud alp anp uagm /cud Innis a0mouog •saaasga algZ pug 'saNaega juaududaad 'small moaasa 'Isaaalul lediauiid jo Iuatukud •Z :smollo3 sg aaagn pus 1116110A00 aapua-1 pus aamoaaog •S,LNVN3AO0 1A11IO3INn •i(taadoad pal uuanoo luauma ;nut Atunoas uuojtun u alnittsuoo o; uopotpstanf /fq suotlutaun pa ;tut![ 111!m s;usuanoo uuojiun -uou pug asn Inuot ;gu ao3 stuguanoo tuaojtun soutquzoo .LNdYAIR2l;LSNI A.LRIf103S SIHL •paooaa jo saounagtunoua eium 01;oafgns `spugatap pus stutslo nu pular IC ;aadoad alp 01 apt; alp ifluaauoS puajap puv s ;usaanm aamouog •paooaa jo saou iquinoua aoj tdaoxa 'poaaqutnou0un st alp ;utp pure L(;a0doad alp ifanu0o pus tug.I `a2u5tiout aq; sat' pus paiianuoo 1Cgaaaq a ;ulna aq; 3o pastas 'itlnJmgi st aamouog Imp S,LNVNIAO3 2I3MO2I2IOg •Apad0ad„ alp su ;uatunatsul 'CWnoaS sun ut o1 p0aa030a 5! 8uto8aaoj aqt 3o Ind •;satunnsul Xtunoas sup Al paa0n00 aq oslu hugs suot;tpps pus stuautaosldai Ind •d(pad0ad ail 30 ;ands aagsaaaq .10 mou saan;xg pug `saousuapndds `s;uautasua lnn Pus `X ;aadoad alp uo mom aagsaaail JO mou s ;uautanoadutt 0111 „ssaappv A;aadoad [gPo3d!Z] 0Z T£8 ffuturof(M [M!3] tuopeeaa [taaatS] prop eutr elP4S 08T 3o ssaappu ag1 self fipuauno gottlm 00 Z 8 T 0 0£ 8 Z 6 t 9£ :aaqulnN QI naoand •buiuui6eq go luiod etp o3 Haag v0£ 1;33oN 9DUeth 'geeg TL£ gsaM eaueq 'iaag SZ 9n g3nog eouatlp '399g 6Zfi, 199M 9ou9t13 '499g GC LS LS q noS a0u9t13 qee; 008 499a aaauagq buiuunz puv buTWOfM ''W•d 1 439 'M6TT2I 'NS£,L '8Z 11013008 40U go zauzoj gsaMqpzou etp wax; tlinos spa' T6 quiod t? qv buzuuzbeg [uo!lo!psunf Smpaooag ;o auiaH] [uogo!psunf Su!paooaJ Jo ad6,t,] Aaunop utoouTZ jo zapzooeu ag1 u! p0 ;goof Xpad0ad paquosap ;Iutmollo3 alp 'ales 3o aamod !film 'satssg pus sa0ss030116 s,aapua-I pun aapua-1 o; Xanuoo pug tuna 'o vSpou! Agaaa11 sop aamouog 'asocial(' stgp and •a;oN aqt pug luaunutsul /iltanoaS sup aapun stuautaaadn pus sluguanoo s,aamouog Jo aounuuoJaad aq; (tt) pun :atoN alp Jo suot ;uoUtpout pug suotsua1xa 'slumauaa nu putt 'm0' aqt 30 luotnicudaa alp (r) :aapua o; somas ;uatunatsul kltanoOS suu, •tuauttu1sul ,i;unoaS snit aoipus a;oN aqt aapun suot;uStlgo s,a0m0u0g pauinsss snq iipud 11111 1011 JO aaq ;aim 'i(padoad aq1 03 awl ugly; still lust ,(laud /uu susaut „aantoaaog jo Isaaalul u! aossaaans„ (j) LZ£9£6T 9 IP 1 9L lOE o Be d (9000) (AM19-CZ nng RLIM 2IIH.LEJO.L ADI3dO?Id 3H.L NI SIHDDI dO 2I3dSNd2I.L S?:�. 0 0872725 -6(WY) woos) Pape 4 of 16 1936327 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 rtepayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts 62'1 Form 3061 1/01 L0 /L LSOE WJoj f ?G9 Py 6 110)1 44 81 111-11 9 L (0 9 *Ded (9000) (AM)g- atj; 2u1A3ivapi aoi;ou 11 J MOIJOH an15 ,CgLII Japua-j `;uamn.i;sui X;pnoas siq; JOAO tClpopd 11113 treo gonjM 1101i a o; ;oafgns s! k1JadoJd aq; jo pled .Cue l sauuuialap Jopua-j 31 •3uauunlpsuj ,funoas sigp o; uaq aqp Sutputnplogns aapua- o; X.101OVISRUs 1u0tu0aJ8g UV WTI aqp jo .tapjoq a4; l uou3 sasnoas (o) .io :papnpuo0 0111 sSutpaaooJd tons 'pun Alpo lug `Buipuad atu sdulpaaooid asog; apgm u0q 043 3o 1Uauu0O1oiu0 atp luanald o; apuJado uoiuido mapu0-j 111 gonjM sanp0000cd jag' `111 uajj 0q; 3o ;u0utaaaoJua 1suluRv spu0pap Jo 'Ai giig3 pooS ut u0ii alp spsapuo0 (q) :luaut0aa11 tjans SutuuojJod 91 Jamo.uog se gaol os /quo ;nq `Jopua-I o; aj4g3d0oou aauusut g III uOlj aqp Aq palnoas uog11gijgo am 3o luautAud aqp o; gu11um ut saaae (11) :JOMoJJOg ssajun 1uoutn13suj 'ilpnoas 5141 Jano Alpopd seq gopjm mil ,Cue adiRgosip iCjldmoid pugs JOMo.JOg uopoos u? paptnold aauueuu aq1 11i tuag; /Cud pugs 1aMo11og `suuo ;j MoJasa 0111 sutapi asatp pugp 3ualxa aqp oj, •i(ttu a1 `s ;uautssassd plug 'wad `sang uoputaossd /C ;iunurt uoD pug 'Are J! `/C11ado1d aq1 uo swat punoJS JO spuaut,Cud pjogasg0j `3uODUnllsuj iC1pnaas stgl JOno X3i1o1Jd ulgpp11 uga goigM Ap10doJd am 0; ajqupngpl u suoiptsodutt pug `snug `so i qo `s3uautssass11 `saxg3 iig pied hugs 10MOJaog 'man 'salJ1! •b •Jopua-j iiq pjag spund ATV 19mo11011 op punjal iij;dttoJd Hugs JapuO ;uautnl3suj A;unoos sitjl iiq pelnoas stuns Hu 3o iin3 t11 luauuked uodn 'sluaulAud Appuout Zj U3 wainRwain ou uj lnq `ddSa oU gplm 0Bpa000u ui Aoualogap at; dn olutu op ,Ca11ssaoeu ;unotuu atp JOpua op iigd Hugs JO/410110a put vdsgj Xq peltnbal sg JOMOaaog J9ou jjugs lapualj vasax Japan paugap sg `MO1asa 111 Nog spund Jo ,COUa1Ogop 11 st a1ag3 3i 'spuautAud /ij4puout ZI imp abut ou tut pnq ddsau g1 tM aougpi000g ut o2 ag; dn aajgtu o; XJgssboau punotuu aqp JapUa-i 01 /Cud Hulls Jamo1Jog pue `ddsgg ,Cq paltnboi su JamoJJog &ji;ou jj11gs Japua-i `VdsalI Japan pup su `MoJosa ui plot' spund 3o aftJogs 11 si a' q3 JI 'vdS32I g31m 0ou11pa000u ui sputt3 ssoox0 aqp Joj JomoJJog op 3un000u pugs JapUO-i `ddSfi Japan peugap sg `MOIOSO ui Nag spund 3o snjdlns u 91 aJagp 3I •VdSgfI Xq paltnbai su spund ag; 3o Sui1unoo0u junuuU uu `agi11ga 3nog11M `1amo1J0g op an12 Hugs 1apu0-j 'spund aqp uo mud aq Hugs 15010 ;111 31141 `10nam0q `hut ;t1M ut =au 11go lapual pug JamoJJOf •spund alp uo sautuJga JO 1saga1U! Xug JOMOaaog X11d o; pQ1!nbaJ oq you putts Japua-i `spund agp 110 pied oq o; 390103u1 saltnbal Awl ajg110ijddy Jo �Ut111m 111 OVUM st 3u0ut001gu UV ssajun •0 1B4011 galls o3jgtu op Japu0l s3ituJod Mg'j ajg11otjddy pug spund aqp uo 390103111 Jamojjog skgd JopuOZ ssajun 'small mama aqp BuiXJUOn 10 1111100011 MOIOSO 043 Su1zICj11u11 iijj11nuu11 `spund gip gutxjdde pug Sujpjoq Jo3 10MOJJO11 0211140 3011 jjugs Japuoj •vVdsa I Jopun pagtoads amp aqp 111141 J01111 ou sl ua11 moJ0Sj 041 X11d o; spund 041 /Ciddu pugs Japuoq •optua 11110-j 0tuog j111ap0d X11u 111 1O (p01nsu! os 0111 silsodop asogM notpn313su1 1111 si Japuo 31 `Japuo' J Wutpnjoui) Aj ;u0 Jo `Apgg1u0t11u 1sat `ic0110 g j111ap0j 11 Xq poinsul 0111 s;isodap asogm uoi3n;1psu1 uu ut pjag aq Hugs spund ata oiquoljddy gp1M 0ougpJo0o11 uj as1Ma0t3o 10 suuapj MoJasg a1n ;nj 3o s0Jn3tpuodxa Jo s03gutt1s0 ajgvuosuoJ pug ulup 311011110 JO sisuq gip uo onp spund Jo 3Unotuu alp 0 ;11U11 ;s0 pugs 1apu0' •Ndsmj Japan 0amb01 ug0 1apu0j g mown uinutixgut aqp p000xa o; ;011 (q) pug `ddSgg Japan pagl0ads aut1p at; 111 spund gip /Cjddg o; Japua-j 31Uuad o; pu0tOgjns (g) Sun °11111 1111 ut spund nog puu 3001100 'amp ,Cut 311 `JC1UI Japu0-j uopa0S 51111 Japan poltnboi tram 0111 1114; `53unout11 40ns ut pug `spund 1111 1apu0-1 o1 iC11d Hulls 1amolJog `uotpuoonal 40ns uodn `pug Sj uoipOOS q;tM 00UEp1o0011 111 110n1S 0011011 11 ,Cq amp /Cull 111 sau01J Mo10s3 ITV Jo AIM 0; 511 10A!BM 041 0Jj0A01 lapuol •;unout11 40ns Cue Japu0-j o; ,i11d0J 03 6 u0i10as Japan papg`dggo oq ua4; Hugs 10M0110g pug mom g0ns ,i11d pug 6 uotp00S Japan sp1SU 531 051010x0 1apu0•1 `U103j MOIOSH uu 10j onp 3unoure alp ,i11d o; 511113 J0MoJ1og pu11 `1ant11M 11 0; 3uunslnd `Aj;0a11p swan Mo10sg .Cud 03 p03Efl o st 10MOJJOg 3I '6 U0900S 111 pasn s1 „3uauuaa1S11 pug ;uguano0„ as1114d 041 911 luauunl ;sui A1pn0as stg3 ui paut1111100 3Uauuaa1Su pug ;uguano0 11 oq o; pautaap oq sasodlnd ii 103 Hugs s;d10001 apinold o; put slum /Cud 40ns 0)'8m o; UopugHgo s •OJtnbOJ Xutu Jopua-j 511 pouod 01111) tons uppIM ;uautAud 40ns 2m0Uap!AO 53d10001 Japuoi o; gslUJn3 Hugs `salinbaa 1apu0•i 31 `pug Jopua-i ,Cq pani11m uooq x114 spund 3o 3u0tuked gopim Jo3 small MOJosg /Cur 103 onp LZE9E6Z 087275 1936327 lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with -6(WY) woos) Page 6 of 15 Initials: //:(1„ 4 629 Form 3061 1/01 LO /L 690£ WAOd 0 ?9 v sitemui 9L 1 0 Lolled (9000) (AAA)9- aig11uosral gupird (o) put? :;Inoo to 3ur.1radd11 (q) `.3uatmn.13sui ,C ;rznoas srq; nano Muoud sgq gorgM uari 11 ,(g pa.znoas stuns ,fug gurArd (r) :03 pa ;luzri you 0 .111 nng `apniour tiro 911013011 s,Japua-i •,C31adoJd alp guurudai Jo /pug 3uunoas pug `,Cp .1ado1d 043 3o anion a1(; 3t4ssassr Jo /pug 2upoa2o1d gurpn(OUr `3uauznJ3sul AirinoaS srq; Japun s ;qBu pug ,C31ado1d atp it! ;swam! s,Iapua-J 3oapo1d o; alupdo .1ddr Jo aigguosraz sr Jana;ogM Jo3 ,(rd pug op Arm Japua uaq; `Avado .1d alp pauopurgr set! 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Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. -6(WY) moos) Page 6 of 16 Initlala: 6 3 Form 3061 1/01 L0/ L L 50£ tuaoA C9 1 7 9 L io g Oped (sow (AM)9 co •z uoi;oas ui .10j paptno1d .1apso 0111 UT patjdds aq Hugs I1ladosd 011; 3o studa.1 10 uoi111.101s0.1 01 patjdds lou are ;uq; spaaoo1d snoauujjaostyfj •1apua o; mud aq Hugs pus pau8tsss Xgasaq a .113 ,C; .1ado .1d all ut ;sa .1aput s, .1apua-j 3o ;uauutudutt 041 o1 ajgs ;nqu;lu 9.113 413111 saguunzp .to3 utsjo so pigmy Xuu 3o spaaootd any luautn.1lsuj *.1nmas sup .1apun sptj a so C1s0do .1d oq; ut 1s0.101ui s,sapua7 3o ;uatunudun jut.1aium Jaq ;o JO ii ;aadotd atp 3o a .1n;taJao3 sapnjoa .1d ;uatuSpnf s, .1apuaJ ut `1.111; 8utjnt u gptm passuustp aq op 8utpaaoo1d .10 not ;os aq; 8utsnuo Xq `61 uopoas ut paptno1d su a ;s;sutas `paun000 sun uot;e .1aja0ou 3t `puu ijn113ap u gons auto u130 .iamoauog ;uaunu ;suj X;unoas sup .tapun s;giu .10 df1 .10doad 0111 ut 1s2.101111 s,.1apua'j 3o luatuutsdutt jstua ;utu .1atpo .10 Xp.1ado.1d alp 3o a.1nita3.1o3 tit ljnsas moo luam8pif s,1apua -j ut `;uq; unSaq 9! `jsuttuuo .10 t1nt0 sa4p4m `8utpaaooud so no9013 Xue 31 1jn133ap ut aq pugs .10m0uog 'sp0000.1d snoauujjaostw o1 psu80l at U09013 JO 1118.1 11 sutj aamouuog mo4M lsutu8s /ip1rd 041 .10 spaaoosd sno0uUjjaosljAj samouog sumo imp 4IBd pup atp suuam „,Cp.1sd Sulsoddp„ •anp uagp lou uaglagm ;uatunupsuj *moos sup Aq pa.1toas stuns aqp op .10 Xluado .1d atp 3o 1tudas so not ;uuo1sau op /alma spaaoo.1d snoausjjaostj^j atp A1dds puu ;oajjoo o paztuotpnu st .1apua -j `.101118 st aopou atjl alup aq; .10131: s,C13p p£ utq;tm sapua-j o; puodsau o; sjt133 .10mouog `sa8su11p so3 tutwjo u aims o; p.1smu us alum o; s .1a33o (aoua ;uas lxau al; ut pauiap su) X;sed 8utsoddp 041 1.111; sumo .1 .1og o; .1apuai Xq aogou sa13r `3t .10 .1amou0g Xq pauopusgs si Xi.1adosd alp 3I •anp uaq; are stuns alp 10u .10 .101Ip01Tm ;uaunalsuj ilunoas sup ,Cq pasnoas suns a41 o; pa11ddu aq Hugs spaaooud snoauujjaostj^j alp `but ;tutu ut 99.1811 asimsallo sapua-j pus .1amouog ssajun `anjsn m ssoj so `uoion.1lsap `Supun p p1ud al; a .1ojaq Xja ;utpaututt paznoas suns atp 3o ;unoutu alp usq; ssoj s! omit 111 ssoj .10 `uoponr ;sap `Suppn jutl .1ud alp a .1oJaq iijolsipatumt 4 .1ado.1d alp 3o anjun 101 .1utu 11113 alp 1014M 111 110do .1d al; 3o anion a1 ssoj so `uot ;ons ;sap `Sut)I131 jup113d s 3o ;uana al; uj •JoA oiIo 01 mud aq Hugs aouujuq Cud •anjsn ut ssoj .10 `uopotuisap `Supjup jsi ;1nd at1 asojaq iCja ;utpautut ,Cl .1adosd atp 3o anjsn 29)1..19tu .11113 alp (q) paPintp anjsn 14 ssoj 10 `uot ;011.1 ;sap `8upje1 jutl19d 24; 0.103011 ,ija;stpatuut pa.1noas suns 041 3o ;unotuu jspol atp (s) :uol ;os .13 8utmolo3 all Xq patjdpjnut spaaoo1d snoattullaostiN 041 3o ;ttnotuu al; Al pa0npa1 aq imp luamn.1 ;suj X;unoas sup Xq parnoas suns al; `8utlt.1m 111 99 .1813 astM1al ;o .1apua-j pus sumo .1 .1og ssajun `anjsn 111 ssoj .10 `uoponrlsap `8uppi j11ip1ud atp o.1ojaq 'ija1utpatuul luaunl1suj iili noas si4; iCq pa .1noas suns am 3o lunout13 al; uu41 .101130 .18 .10 01 junba si anjsn 111 9901 .10 `uotpon.1 ;sap `upju; retired atp a.1ojaq ,ijal13tpatutut X;uadosd 941 3o anjsn 101.1E111 .11133 041 go1lM tit 1Cp1ado1d 01113o anjsn ut ssoj JO `uotponrpsap `Sut)jep jutpssd 113o zuana aq; uj '.1a/110110g 01 ptud 'Am? J! `ssaoxa alp q;IM `anp uagl 1ou .10 .194 294m luatun.1 ;suj ,i ;unoas sup Xq parnoas suns all 01 patjddu aq Hugs spaao0 .1d snoaasjj00stj^j 041 `/Cl .1ado .1d 042 3o anjsn ut ssoj .10 `uotl0n.1 ;sap 'Sum; j111op u 3o ;uana atp uj •z not ;0as uI .103 paptnosd 19310 alp ui patdds aq Bugs spaaoo .1d snoaa11jja0sm gons •samouog o; mud `ifu1131 `ssaoxa al; 11IM `anp mg; 1011 so 1alpagm `luatuns ;suj ,Clunoas sup iCq pa1n0as stuns alp 01 patjddu aq Hugs spaaoosd snoausjjaosm alp `pauassaj aq mom 1C1unoas s, .1apual .10 ajgts11a3 IClj11olmouooa ;ou st JI11(10.1 .10 n09s .101901 01I; 31 •spa0oo .1d snoauelaostj^j tons uo s2t4uxua .10 390101.11 /iu11 ramouog ,Cud op pasinbas aq 1ou Hugs uapuai `spaa0o.1d snoatt8jjaostj& lions uo mud aq o; 150 .1alul sa .1mba5 Awl aiquogddy so 21111um ut ap11tu s1 ;uatuaa .1813 1111 ssajun •papajdmo0 st )I .1oM all se quota/Cud ssa .18o .1d 3o sauas u ul .10 luautas1ngstp ajSuts 11 u1 uo4u.1o;sa1 pus s .1t11da.1 all suj ,cud kern .1apua-j •Xjldmosd ua)I1111apun aq Hugs uopoadsut nuns pup paptno .1d `uoilo113suus s,sapual 01 palajdmoo uaaq Sul 31.10M 0111 01119110 01 /i110d01d gons 10adsul o; Xltunlsoddo au putt svq 10pu0 jtlun spaaoosd snoausjj00sm 40119 pjo4 01 14811 alp an11q Hugs 1apua-j `potuad uotl11lo;sa.1 par11uda1 401)9 Suun( •pauassaj 1011 st Xlt1n0as s,sapual pun ajgts1a3 ,Clsolatouo0a s! .411da1 so uo1311101sa1 041 3t `Avadosd all jo 1113(101 .10 uotl11103901 0; pandda aq Hugs spaa0o1d snoauujjaosm 4ons `paS1atsp st iClsado .1d 0413I •1apua-j 01 p111d aq Hugs pus 01 pau2tssu X110.1011 9.111 spaa0oud snoauujjaos!JAI III' •aan;laJaoA 'spaaaoad snoauellaasljtj 30 ;uauIUSlssv '11 •uol ;sulutaa; .10 uo411paauea gons Jo awn ay; ;11 pauaeaun aaam imp sutnituaad aau11ansuj aS113aoj,J ,Cue 3o punJaa 11 aelaaaa o; ao /pue ',fjjeaj;11uto ;1111 pa;sultuaa; aaueansuj aSIS;aoN aq; ae114 03 `aau11ansuj aSeS)aoj^j aq; 3o uo4ejja3u11a ul11;go pus ;sanbaa o; 'saansojasip umaaa aelaaaa o; ;gala ay; apnjaul ,fsw 13;11810 asayy •moll aay ;o ,fu11 ao 8661 3o ;ad uol;aa ;oad saaumoautog ay; aapun aaueansuj aS112;aoix 0111 o; padsaa q;!M ,Cue 31 13114 aaMoaaog 131111840 0111 ;aa33s ;ou jjlm s;uauraaaS11 tans SuV (q) LZ£9£6t -6(WY) moos) Page 10 of 16 1936327 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. Initials: d 633 Form 3051 1/01 LO /L L 90 tu1oj C9 17 91 4 11 aped mooch (AM)9- VdSd2l uopgUUO311t Jaq ;o Aug pug apt= aq pings smut/Cud gotgm o; ssaipp8 ail; 'notntas urn mau aq; jo ssalppB pus aUtgu aq; a;g4s Ijtm gotgm °SuBgo ag13o aor;ou ua ;ttm uOn1S al jitm Jamouog `1a0tAJas ugorj aq; jo aguugo s st 0.10111 3I •210N ail; 3o 01139 B o; palgjvlun 1a0tn1as uBO"j alp Jo sa$ugg0 a.tout 1O QUO ail lggtut osjg alagl, .Ann aiquoiddy pug '111aum11sul ,i ;unoas stq; 'a;oN aq1 lapun suot ;Bg4jgo gur04nias ugoj 0992 ;.tout 1ag10 suuo31ad pug 1UaUnulsul ,fltmoas stt; pug aloN aq1 .tapun anp s111amiigd otpouad s ;004400 lggl ('s uuoZ„ all sg umoull) kipuo aq1 ut aSuBgo u ut ;jnsaz lggnu ajss •aamoa.zog o; aoglou loud ;not ;tm saun; atoum JO auo pjos aq ugo ;uauma ;sul 1pnoas stq; q;tm aaq ;ago a ;oN ail; ut lsalalut (gtplgd u so a20N aqy •aauenau0 }o 001;04\1 :aaapnaas 00O'I 3o aluIga 'a;oN 40 aleS •0Z 8j notloas lapun notlglaja00B JO 0S 0 0141 ut ,Cjddu 1ou jjggs alglsutal o; 1g2U slap 'lanamoii •pauno0o putt uot113101000B ou 3t su ant ;00330 AMU 11tg11tal Hugs Agaloq palnoas suoHaggo pug luautrulsuj A;tznoaS 9411 'aamouog ;uauta g su t aa uod •.zoJsuga spund onto1loojg (p) to pua to If ;4413 ;uautn t ;sut `,Coua2g ivJapa3 B iiq pa .Insul 0013 s;tsodap asogm not ;not ;9114 uB uodn umuip s4 Noago gong X1113 paptnold 'loago s,sa4gsg0 to loogo s,Jaansgaa; Ittvq `ajoag0 paul31ao (o) :1ap10 ,fauout (q) 'gsgo (g) :lapual ,iq paloaj09 sr 'suuo3 Sutmojjo3 ail; jo 010111 10 2110 ut sasuadxa pug sums luama ;g;suta1 gons ,Cgd lamouog 1gg1 annbat )CgU1 lapua•I •paguBg0Un anut;uoo Hugs 'luacunl ;suj ,Cltmoas still ,fq palnoas sums am ,igd o; uotlggtjgo s,.tamouog pug ;uauttulsul ,CIunoas stq; lapun slggu pug ,C3ladold aql ut ;sa.ta ;114 s,lapual 1911 alnsss o; altnbal ,ijgguosua.t Ass aapua' sg U0 409 gons saIgl (p) pug `.1ua11tn11sul ,(111029 stg1 .tapun s11gu pug ,illadold aq1 ut ;sa.ta;ut s,lapua-I gupoalold 3o asodlnd alp 103 paunout saaa 10410 pug 'saga notlgnivA pug not;0adsut A ;aadozd 'saaa ,siiauto ;s ajgsuossat '0; pa1Tunj 1ou nng `gtgpnLoUt 'mammon' ,i ;unoas stq; Sutoaojua ut paunout sasuadxa jig s&Cud (o) :s ;uautaatgs .to swim/too .tag ;o Aug 3o ;jngJap Aug salvo (q) `.pauno0o pgq uo13111ata0og cm 34 su a2oN 0141 pug 1UOum11sUI ;uno0S 91141 lapun anp aq pjnom 11ag1 goltm sums jjg Japuoi s,isd (s) :1amouog ;gq; 0113 soot ;tpuoo asogl, •;uaum.t ;9UJ ,ilun0as 9141 gut01ojua luautgpnf g 3o ,Gt4u0 (o) 10 tanns11401 o; ;1941 s,1amollog 3o not;gu4uual ail; 103 4poads lggtut mg j ajgsotjddy sg pouad laglo gons (q) :luautnllsuj ,C ;unoas stq; u! pau4s uoo ants 3o lamod Aug 01 ;ugnslnd Apadold mil 3o vies aiojaq s,Cup ang (s) :30 ;9041190 0441 o; loud amp Mis 1B panutluoostp luamn1IsUj ,(ljmoas still 3o ;uamao1oJua anvil 01 14911 ail; angq Hugs lam011011 `suotltpuoo upn100 slam lamouog 31 •uoj3Baajaaay aa;3V a; 3sujag 04 ;ggt21 S,JOMOaaog •6i •lamouog uo pu1Utap 10 a0tlou 1at11n3 ;notinm ;uatunl ;sul 12unoaS 9411 ,(q palltUUad satpautal Aug a)jonU4 Agra lapu0l 'pouad 91141 3o Uop11ltdxa ail; o; 1o41d sums asagl ,Cgd o; sjtg3 lamouog 3j •luautnllsuj ;unoas 9411 (q 11011109 sums Hu Xsd ;snot lamouog gotgm utg1tm SI u0p0as q ;tm aougp1000g ut uanIS st 009011 ail; am ail; 114013 sap HE ugq; ssa4 ;ou Jo pouad 13 apiA0Jd HULLS 0011011 ails, •U0t ;1110400011 JO 0011011 .ramouog 0n42 HMIs lapua 'uotldo st11 sas1Olaxa lapua-j 3I .A‘19 ajgsogddy iq pangtgold st astolaxa tons 3t lapual ,Cq past0laxa aq 1ou jjggs uotldo sigl 'lanamoH •1uaut'ulsuj ,(;unoas 9114; ,iq paln0as sums Hu 3o IItt3 ut 1Uatuked ant!pautun almba1 ,Cgtu 1apua 'luasuo0 uallum loud s,1apua-I lnotjltm (pauajsusll 10 pjos si 1am0110g ut 19010111I j1I0g0110q g pup u091ad jg1n1g11 B 1ou Si lam0110g 3t 1o) pau0Js11B11 10 pjos st ,Cpado1d ail; ut ;sa1al11j Aug 10 410d0ld 0141 JO ;.tgd 1C1113 .10 4(11 •lassgolnd 13 0; a ;1311 a1n;n3 B ;g lamouog Act 0114; 3o 1ajsUg1l ail; s4 g04gm 3o 1110;111 all ;11autaalgg M01090 .10 1011111100 90(119 111atujjglsut 'poop lo3 1011111100 'poop so3 puoq g ut pa11aJsUBl1 s;Sa1a ;ut [utououaq 09041 `01 paltuttj 1ou ;nil 'gUtpnj0U4 '1i1ladoid ail; ut ;saga ;114 11140ga11aq 10 413204 ,(U1 SUB= „,C11ado1d ail; 11t lsalaluj„ '81 U013009 9141 ut past' sy •aamoaaog ut ;saaa;ul jepgauag a JO ,f;aadoad aq; jo aajsusa,L •8T •luautnllsuj ,ilun0as st113o pug 010N ail; 3o ,Cdoo auo uantg aq jjggs lam0u0g ,ido) s,aamoaaog •LI •1101 ;011 Aug a o; uopg8tjgo Aug ;noq ;lm uopal0stp a(os san1g „,(9111„ plom ail; (0) pug :13s10n ao4A pug jsinjd all apnjout pug UBQU1 Hulls 113jngUis alp 111 sp1oM (q) :1apUag 0Utututa3 all 3o splom 10 sp10m 10111U $utpuodsa11oo apnjout pug maul (jugs lapuag 011T1t1asgut ail 3o splom (s) :luauml ;sal ,C1unoos still 114 past' sy •uotsInold Sut ;oiT3uo0 ail 4114 ;4m 100330 11anig aq ug0 gotgm 010N ail 10 ;sautnU ;sul .,Cnj1n0as still 3o suots1nold 10410 ;00339 1ou Hulls 4041;uo0 gong `mg ajggonddd 414■ s;0i13uo0 010N ail; 10 111vtutulsUj ,(1un0as 914143o asngjo to uotstnold ,fug 19 111011 0141 uj •40111 ;uoo ,iq 311aut001811 lsulugg not ;tgtgold g su p0nl1suoo aq 1011 Hugs 00110419 lions 1nq Imps aq 1g81ut 1! 10 1091;1100 ,iq Oalgg o1 sarl1gd ail; motlg ,illtotjdtut 10 ,(j ;totjdxa lignu mg ajgsotjddy mg 1 ajggotjddd 3o soot ;g ;tun( pug s ;uauta1tnbal Aug 01 ;oafgns 0111 111autnl4SUI ,C1u1100S still ut pautgluo0 suot ;w8l4go pug s1ggu Hy •p0211004 st ,(;1ado1d aq1 g0tgm 111 notlOtpsunf mu 3o mgt ail pug Mar! roam ,(q pauJonog aq Ijsgs rtiounurpul ,ilun0as still, •uot ;ana;suoD 30 saitig :S;tltgBaanas 'hAW gutuaanoD •91 LZE9£6t Os �J 1936327 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. 6(V/Y) (0006) Pape 12 of 16 InItlals: 63 Form 3061 1/01 L0 /L L9 0E WJoj 9E9 *cr 9l 6 L seed 19000) (AM)9- •SunuoXM jo smsl uopduzaxa pre ;samoq ay; 3o an;nA ,Cq pus zapun s;42u u saeirm pur sassalal lamouog •saaAlmM •17z *MV ajggogddd zapun pa;;iuuad si aa3 ay; jo SuiSlrgo aq; pus pazapuaz saottuas zo3 Xzsd p1iq; r o; pisd si aa3 alp 3i Xiuo ;nq `;uaum.T;sui ,fwnoas sup Suisralal 103 aa3 r z3mouog aSzego ,Cum z0pua7 •s ;soo uoi;rplooal ,fur gird hugs lamouog •;uatunsisul i wnoas si14; as13a13l netts lapuaj ;uaumz ;sul ;ipnoas siq; X14 paznoas scans llr jo auauard uodn •asealag •Ez ;l o; pallilua £HiSal suosaad JO uosaad ay; o; ssaaxa Sue (a) pun ;uauma ;sul ,f ;lamas slyl ,fq paanaas sums lle o; (q) :saa3 ,s,fauaol ;e algeuoseaa '0; pa ;lwg lou ;nq °Sulpnpul 'ales ay; jo sasuadxa Ile o; (e) :aapao SulAtollo3 ati; ul pallddu aq hays ales ay; jo spaaaoad aqZ •ales Sun ;e ,f;aadoad ay; asega.md ,few aauSlsap s;l ao aapun •Atsj algeallddv ,fq paglaasaad aauusw ay; ul Nos aq pegs ,flaadoad ay; pus `ales jo aa9ou ay; gsllgnd llnys aapuaZ •SI uo ul paplAoad aauuew ay; ul aaA4oaaog of alas ay; jo aapou aeta Nuys aapua7 •nve-I algeagddy y;lA+ aaunpaoaae ul 1uaaaj31p 3l °,f ;aadoad aq; jo uolssassod ul uosaad ay; o; pus aanitoaaog o; asolaaa03 0; ;ualul jo aa3 ;ou ae!S IIsgs aapua-I `ales 3o aatod aq; sa)loAUl aapuaj 3I •aauaplAa aim jo s;soa pus saa3 ,s,fauaol ;s algsuossaa `o; pa;lunl ;ou ;nq Sulpnpu! `zz uoc ;mss sly; ul paplAoad saipawaa ay; Sumsand ul paaanaul sasuadxa He papa o; pal ;l ;ua aq hugs aapuaq •MMe7 algeallddv ,fq pa ;lluu d salpauraa aaylo Sue pm; ales jo aaMod ay; anoeul ,few pun pueurap aay ;an3 ;noq;pe4 ;uauma;sul ,f;lanaas slq; ,fq paanaas sums Ile jo 33113 u! ;uaw,fnd a ;nlpau1w u!nbaa ,few uol ;do s;l ;e aapua' 'aallou ay; ul pat3pads a;ep 3143 aao jaq ao uo paana lou sl ;Ins jap ay; 31 •ales pus UO9131330338 of aan4Oaaog 3o asuaJap aay ;o, Lull ao ;Inejap B 3o aaua;sixa -uou ay; passe 0; uopoe ;ano3 s Sulaq o; ;Op ay; pus uor;eaalaaas as ;3e a ;e;sulaa o; ;Oa ay; 3o aamoaaog maw! Ja Heys aallou aq j, •,flaadoad ay; 3o ales pus ;uauma;sul ,fllanaas sly; ,fq paanaas sums ay; 3o uolleaalaaan ul llnsaa ,few aallou ay; ul pagpads ale!) ay; aaojaq ao uo llnsJap ay; aana o; aanlle3 ;sy; (p) pus :paana aq ;sew Unsnap 3143 yal1M ,fq 'aaAMoaaog o; uaelq sl aallou 3143 amp ay; anti s,f8p pF until ssal ;ou 'app a (a) 'llnejap ay; aana o; paambaa wpm; ay; (q) 'lln1Jap ayl (n) :,fjpads Heys aa3 ;ou 314,E •(as!maaylo sap!Aoad meg alquallddv ssa un gj uopaas aapun uol;9aalaaae o; amid lou ;11g) ;uauma;sul ,fllanaas sly; ul luaUTaaage ao lueuaA03 Sue 3o ya1aaq yamoaaog SUTAtoj03 u0l;eaalaaan 0; ao►ad Jamming o; aallou 3A32 Heys aapua7 •salpaurag 'uopsaalaaaV •zz :smollo3 sr away pug ;uruanoo 13143111) 1apua7 pun lamozzog •SJ NVNaAOO YN1IO,1INfl LZE9E6i r 744R0 0872" Witnesses: ISD-6(VVY) (0006) r- 1936327 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. Page 14 of 15 Veldond Izatt 4 1;4, Lipae Veloy Izatt 631 (Seal) Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3061 1/01 L0 /L L90£ 'mod :ss ifjunop LZ£9£6T 8E9 °(mod PN 91. 3 9L aped U0 pas, (90001 (AM)9 E0 /Z-r/6 .sazrdxg uotsstuuuoD ACJ4 1T2zI 'H JCoTeA Put 'gJezI auoPT iCq T 0 0 Z T T?add mu a cu azojaq paSpaimours sum auauiut2sui SuioSozoj at1.L `OMLJ IOAM 3O alias 180 State Line Road, Freedom, WY 83120 [Property Address] FIXED /ADJUSTABLE RATE RIDER (One -Year Treasury Index Rate Caps) THIS FIXED /ADJUSTABLE RATE RIDER is made this 12th day of April, 2001 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument of the same date given by the undersigned "Borrower to secure Borrower's Fixed /Adjustable Rate Note (the "Note to State Farm Financial Services, F.S.B. "Lender of the same date and covering the property described in the Security Instrument and located at: THE NOTE PROVIDES FOR A CHANGE IN BORROWER'S FIXED INTEREST RATE TO AN ADJUSTABLE INTEREST RATE. THE NOTE LIMITS THE AMOUNT BORROWER'S ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial fixed interest rate of 6.375 The Note also provides for a change in the initial fixed rate to an adjustable interest rate, as follows: 4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The initial fixed interest rate I will pay will change to an adjustable interest rate on the first day of May, 2004 and the adjustable interest rate I will pay may change on that day every 12th month thereafter. The date on which my initial fixed interest rate changes to an adjustable interest rate, and each date on which my adjustable interest rate could change, is called a "Change Date." 63282816 MULTISTATE FIXED /ADJUSTABLE RATE RIDER ONE -YEAR TREASURY INDEX- Single Family Fannie Mae Uniform Instrument 843R (0006) Form 3182 1/01 Page 1 of 4 Initials: U, t VMP MORTGAGE FORMS (800)521 -7291 Ai 1 1936327 1 639 1 11 11 l0 /L Z8 LE WJOI ti ;o Z eBed (9000) UE178 p :smolloj se peat Hugs ;uounursul iClunoos atp jo 8i ;ueuano3 uuojtun `anoge d uot2Oas tit pawls su1.10; 0111 aapun a1e.1 1st .1alut alge1snfpe ue o; saSuego a ;e1 ;saia;ut paxg iet ;tut mamoauog 'pun •I MA10111IOg NI ZSalIHZNI 'IVIDI3aNd11 V 110 UIddO11d MI 30 2Ia3SNV II 'S •aot ;ou agr 8utp .11180.1 aneq Arm I uotlsanb Sue aamsue Him oqm uosaad 11 jo saqutnu auogdaia; pun app aq; one pue tut o; uant8 aq o; mnj ,Cq paatnbaa not;n<uuojut Atl11 ;uatuAed Annum' Atu 3o ;unotue aq; apniout Iitm aot;ou agy u qo Cue jo gimp ant;o0330 aq; a .1ojaq a ;n.1 ;swami aign;snfpe ,Cut ut saSuego Sun jo pun aro ;saaaltn aiggrsnfpn ttn o; a rea Isaaalu! paxg mint! Cut ut sa8uego ifue JO 009011 a aUI o; HUM .10 .tantiap tit" .taping a;oN atLL saBuoto 3o aai;oN (A) •ute8u sa8trego 1uatuiced Aig ;uot11 situ jo runoute alp limn 0111a a8uego am aou11 orep ;uatu,Ced Sjg ;uout ;sag ag1 uo 8utuut2aq ;uauIXfed XIQ;uoul mau Stu jo 1uno11ln 0111 Sind Him I •a;11Q a8uegj gong uo ant ;aa33a autooaq 'um alma 1s0a04ut MOU sa8uigD 3o a ;eQ an9aa3Ja (a) S L Z T ueg; aa;eaag aq .1anOU Iltm 0 1e.1 1s0 .101ut •sq;uout ZI 8utpaoaad 0111 aoj Sut,Ced uaaq aneq I r9.101114 3o 02e.1 alp atos; s;utod age;uaaaad om; 111111; aaoul a8ung3 0l8uts Slue uo paseaaoap JO pasna.1ort act JOAOU Iltm 01e.1 ;saga;ut alge;snfpe /Cm `aagnaaagy S L T ueg; ssai JO S L 8 ump .100018 aq ;ou Him a ;ea a&treg3 ;sag ag; ;e Sad o; paatnba.1 tuu I a1e.1 1st .1a1ut au, sa8uoto a ;sg ;saga ;ul uo s;itun •lu0UuCed /Culluom Sul jo ;unoute mau gip aq mm not ;uinoleo stgp jo ;insa.1 oU I •sluotuSed innba SIIet ;TTe;sgns ut 01111 Isamu! mau Cut in a;1Q uo iinJ ut a ;ea aguegu an ;e amo o; pal0adx2 ute j legl Iedpuud ptedun 0143 kedaa or ;uatowns aq mom rem ;uatuSed Xlq ;uotu ag1jo Junoutn aq; autuuarap uag1 iitm aapiog a;oN 014,1, •a ;110 a8ungD ;x011 0142 itlun a;na ;s0 .1a;ut man Xtu aq Htm lunotun papunoa sttl; `moiaq (43)1 uoi;oas ut pawls s ;TUltl am or roofgns %SZI.0) ;utod 28n;uaaIad auo 3o g;g8ta -auo Isamu 0142 o; not ;tppn SR; jo ;insaa atp punoa t0111 Him .1apiog a ;oN atu, •xapuI ;ua .1anJ aq; o; OSL Z s ;utod08erua0 .1ad 000T /0SL puv OJ 8uippe iiq a;na ;sa .1a;ut mau Stu aleli Item .1apiog aroN agr 'ma a &usg3 g0ea aaojag sa8usg3 jo uoi;sinait,O (3) •a0togo step jo 00pou 9111 iitm aapiog aroN 0114,E •uot ;ettlaolut aiglandutoo uodn pasnq st ;11144 xaput mau a asoogo iitm .1aplog aroN ag1 `aiquitnne .1981101 ou st xapuI 91 42 3I „•xapul;ua.1an3„ ag; pallnn si area a8ring3 gong a .1ojaq siCep Sty a ;11p alp 3o se alquit11ne aan8g xapuI ;11000.1 Isom au, •panog anaasag IrJapa3 agr Aq algeitene apuul se `anaS auo 30 ,C ;tan ;eu1 ;ue;suo0 n o; pa1snfpn satrun0as Sanseaay savers pa ;tun uo plop( 01411001111 ICpj0am aq; si „xapuI„ atiy •xaptq 11111 uo paseq aq Him 0111.1 ;sa .1a;ul ajge;snfp11 .Cui `a;na a8u1143 ;sag alp gljm dututn8ag xapuI a ii (g) 0fi9 LZ£9£6T 087L f 6 42 (0006) 1936327 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 fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 2. When Borrower's initial fixed interest rate changes to an adjustable interest rate under the terms stated in Section A above, Uniform Covenant 18 of the Security Instrument described in Section Bl above shall then cease to be in effect, and the provisions of Uniform Covenant 18 of the Security Instrument shall be amended to read as follows: 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. Lender also shall not exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by Applicable Law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender also may require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full, 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 Page 3 of 4 Initials:ad. U.J 641 Form 3182 1/01 P) A te... 087 go-aa 1936327 sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 642 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Fixed /Adjustable Rate Rider. (Seal) Borrower 021)-843R (0006) Veldonk Izatt Q. „Li (Seal) Borrower (Seal) 1,; 1/. LPyar (Seal) Borrower Veloy Izatt Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Page 4 of 4 Form 3182 1/01