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HomeMy WebLinkAbout8725861.011 190£ Wood Lt£LL9ZOt0 60 -JAM 'SlI!YAI (888) 'lal `9Z0Z III 'Wild `9ZOZ xog 'O'd jo iaqumu auogdaia; pus ssatppu uu snq pus `a1UMUlau jo smut aq; .iapun Suipsixa pus paziunS10 si s2i vi ;uawna ;sui ,C;l.cnaas slq; .zapun aaSn2.ow aq; st slow suSissn pun siossaoons s,iapuarl pus zapuo io3 aautuzou n su /Claps Suilon st lnq; uoiliuodioo alszudas n st s'a v ow `swalsiCS uoiptlstSag oiuoipoalg a2u2l1oyg si „suaTAI„ (0) •luaum tpsul IClunaas sup aapun io2n2 iow alp si .taMO.uog '91 uoipoas ui papinoid osln ais luntunoop sup ui ppsn sp1om jo aSnsn agl SuipinSat salmi u1u1 'iZ Pug OZ `8I `£1 'IT `E suoipoas ut pautlap ain sptoM .zagpo pun Mopq paugap aim luaumoop sup jo suotloas aldpinuz ut pasn swop OLIELL9ZOI08EI000t NITAI p gOVd Nd 2:91 01111 83114 "d3 `x.17:11 T5' Iltvonr "Ad d i )4U310 AiNnO0 N100NI1 03/\110. S?1311 HIIM 1N3Wf1M1SNI W210dIN0 aeW elppaJd/aeyy aluued Allwed el6u!S unys peiainx y 'ejddeNs xxesil s1 „iaMOUog„ (g) •luautnoop sup of siaprj ire qpM 1agpaSol 1003 'E I Taft pa;sp 51110111^% `unumoop sup sun= ;uawn.z ;sui ,Clunaas„ (v) HO V D,LQOYAL Igiga Sulpaoaag ao3 aurj stgy anogy aaedgl DIVIntel 'T7 30C 9 13 P "MI t v.0 995203 L6u Wind 30V91110W awn SIe5IUI 911 aoed Lo'(s000) (AM)V9 SNOI.LINIdHQ 6E6176 eluioJlln0 `indsal.0 S6Z allnS'ap.il0 Swpung andol.xnri 006 •aai `Sulpund aSeS ;aoypl;uloduaaaO :Xg patsda1 6£6176 nluao;lle0 `andsvel 101 alms 'alma Sulpuni xndsM.urI 0011 •aui `Sulpund aSnS;aoy%l ;uloduaa.L9 :o l uznpo i U8'+'= 5 86 (D) "Lender" is GreenPoint Mortgage Funding, Inc. BBAT -09 wi�r; 6A(WY) (0005).01 n Page 2 01 15 343 Lender is a corporation organized and existing under the laws of The State Of New York Lender's address is 1100 Larkspur Landing Circle, Suite 101 Larkspur, California 94939 (E) "Note" means the promissory note signed by Borrower and dated April 3, 2001 The Note states that Borrower owes Lender One Hundred Fifty Seven Thousand Two Hundred Fifty and 00 /100tha Dollars (U.S. 157, 250.00 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]: Adjustable Rate Rider n Condominium Rider Second Home Rider Balloon Rider LxJ Planned Unit Development Rider 1-4 Family Rider VA Rider U Biweekly Payment Rider Other(s) [specify] (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. 0102677317 Form 3051 1101 10/1 1900 wi0A LT£LL9Z0T0 St 10 g eSed 1,0 19000) (),M)V9 V 60 -JAMS iadold Leal 2uuanoo lnauntusut 4moas uuoJiun a a;n;t;suoo o; uoi;otpsun f suoi;eutn pa;tuiq q ;inn s;ueuanoo uuo3iun -uou pus asn leuot;eu Jo; slueuanoo uuoJtun soutgwoo ALIIII1DIS SIH.L •pioaai jo saourigtunoua ICut of ioafgns `spueuiap par suctelo its ;suteSr p3docd aq; o; am; alt; Allunuaa puajap !pm pue s;uszrem .iamoa1og piooac 3o saous1quinoua ioj ;daoxa `paaaquinouaun st Xliado -.id alt; Imp pus Auadoad alp Aanuoo pus wrI2 `aSeSpow o; NE!.! aql nil put pa/Comm Along a ;tlsa aq; Jo pastas ,CllnJmel Si 1amouog ;eq; S.LNVNgAOO 2IgMO' D1O I •luauuu;su! ,C;unoas sup Sutlaoueo pus gutsropl `o; pa ;tun! ;ou ;nq `gutpnlout Jopuai jo pannbac uopot Cut o p o; pue uadoid alt; Has pus asoloaio3 0; 2g5p agl '03 pa ;tac!! ;on ;nq `Sutpnlout 'mown!! asoq; 3o Its 10 Aug astoiaxa o; ;qSu agl ssq suStsse pus siossaoons s,lopual pun lopua-I io3 aautucou se) s i ivi `uto;sno 10 mu! g ;tm ,(ldwoo o; i ssaoau ji ;nq ;uaunulsui ,C;unoas sup ui ]amouog ,Cq pa ;ue15 s;saia;ut alt; 03 apt; IeSal /quo smog Sxgini let; saai2r pus spur ;siapun .zamouog „•Apado1d„ alt; se luautns;su! ,ilunoaS sup ut o; pauaJai s! Su!OSaio3 aq; Jo pd •luauuulsuI ,ClunoaS sup Act pa1anoo aq osle lugs soot ;tppe pue s;uauiaotldai !Id •,tpadoid aq; jo ptd t .za ;Jracaq .xo moo sainlxtj put `saoueualindds `sluauzasra lle Pus `iCpadoid aq; uo moon .ialJeai q s0 mou s;uauianocduu „ssaippV Alodotd.,) [apo3d)Zl LZT£6 Suiuzo,CM [,ci)3] ett.Cst;y [1 Arm Ai/eq./ea T6T 3o ssa1ppr alt; sm.! ,(I;uazmo gotgm 500 Z 0 T TO 61 4 Z T :IagninN GI lao• AJ JI3dO'Id gn.L NI S.LHDI2I AO 2I3dSNV I1 •luauuulsui i(lunoag sup io /pUr a ;oN agl .iapun suotleStlgo s,.iamouog pautnsss seg 4i d;sq; loo s0 .tag ;aqm `Alzadoid alt; 03 owl ua)lr; sm.! ;rql ,teed 'Cur suraui „.iamoiiog Jo ;sala ;ui u! JossaaonS„ (t3) ;oeietll leid TsToT ;o etl3 uo pegTaosep se buTmoAm 'Aluno0 uToouri 'S geTd tlousg AsTTEA aegs ;o TZ lo'I [uo9o)psunf 8u)pioo0g Jo mom] [uopo)psunf 9u pi000J jo ad,(,) UToOUT'I JO Alunop aq; ui palsool Apadoid paquosap Sutmollo; agl 'am jo zamod g;tm jo sugtssr pue siossaoons alt; o; pun (suStsse pus siossaoons s,iapuoi pue .iapua .ioj aauunou sr Alalos) gun 0 iianuoo pug ;utig `a uSpoiu Agoiaq sop .iamo.uog `asodmd sup and •a;oN aql pue luauin3lsu! ,C;unoaS sup upon sluautaa1ge pug s;ueuanoo s jo aoutuuojzad agl (tt) pue °a;0N alt; Jo suot;eOgtpoui pug suoisuowo `slrmaua i !le pun `uroi alt; 30 ;uauaeda1 alt; (t) iapua o; samoas luauuu;su! Allmon silty VPE ail; IIe HEM 2IgR1200 L 0872586 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 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 BBAT -09 6A(WY) (0005).01 0102677317 Initials: Page 4 of 15 Form 3051 1101 345 60 /1. 1S0t WIO1 LT£LL9Z0T0 eniu1 Si !o S aged to°(Saool (AM)119 60 JAMS au; Suu(11 ;uap! aot ;ou g 1aAO11og aAIS ,(m11 .iapua-I `;uatutu;suj ,C;unoaS sup Imo ,C;uoud mum two gotgM ualg u o; ;oafgns si ,Cpadold aq; jo purl Aug ;1313; sauituua ;ap .Iapua' 31 •;uauznisul ,C;unonS sup 03 mil am 2ut;13u1pIogns .Iapua-I o; £io;oglsl ;us ;uatuaa1S13 us ua!! am jo iapioq am mug salnoas (o) .to `.papnpuoo 0113 sSuipaaooid gons juun ,Cluo tug `Suipuad 0113 ssuipaaoold asoq; alight ua!! am jo ;uautaolojua atp ;uanazd o; ammlado uoiuido s,lapua-g ut gotq,n sSutpaaooid ggsaj `u! uaq am jo ;uauiaolojua ;sut13Su spualap io 'Jig 4;113j pool ui ualj am s;sa ;uoo (q) `;uotuaai8g gons Suiuuo3.tad s! iamo.uog sm Suoi os ,(juo ;nq `Iapua- o; ajgg;daoo13 1auu13ut m ui ua!! 0q; ,Cq palnoas uoi ;1Siigo otp jo ;uaui,Cud 0q; o; Sui ;um u! saai a (g) :1amoIog ssajun ;uauinl ;Sul ,C;unoag sup Imo ,C;uoud seq goigm uai Aug aslmgoslp ,il ;dutotd !jags 1amo11og uoi ;Oag ui paptnold _mum a4; ui Mali; And hags Iamo uog `suta ;I molosg 0113 stua;! asap ;134; ;130;x0 aq; 01, .Aug 31 `s;uauissassy pug toad `sang u0fg10ossy,C;lUntutuo3 pug `,Cum ji `,C;1adold a4; uo swat punot2 Io s;uaut,Cgd Notional `;uaum.I;sul X;unoas siq; 1OAO ,C;uoud mutts 11130 4014M AIad01d a4; 0; aigg ;nqu; ;g suoi;isodun pug `sauu tango `s;uatussass13 'swat 7 ,Cud ggggs IaMOIIOg •SUO1j IsaSlugo •.lapuag ,Cg Nag spund Aug .Iamouog o; punjai ,Cj;dtwold liggs lapua-! `;uatun.usul kunoas sup ,(q palnoas sums u jo IIn3 ui ;uatu,C13d uodn •s;uatu,Cgd ,C14puoul Zg ugij; afoul ou ui ;nq `t�dS�I 431M aougp1o00g ut 10uatogap alp dn a)f13ul o; £I13SSa0au ;unoun; a4; Iapua- o; iced jjggs 1amouog pug `ydSa>J ,(q pannbat s13 IOMO13013 ,C1t;ou Ilegs lapual `ddSgal Iapun paugap s13 `MOIOSO ui Nag spung jo ,Souatogap g Si atom 11 •S;uatuAgd Ajgpuout Z 1 13134; 010113 ou ut ;ng `ydSgg 4;1M a0ugp100om u! 05`13uogs am dn a gw o; ,Cmssaoau ;mucus ate iapua' o; ,C13d !lugs Iamollog pug `VdSaal pagnbal sg Iamollog ,(j1;ou hugs Iapua-! `ydS Iapun paugap sg 'mama uI Nag spung jo ag1Jlo4s 1;'s! a104 ;11 431M 0013gp100013 ut spun! SSaOxa a4; 10J IaMO.uog o; moon !legs .Iapua-! `VdSall Iapun paugap sr 'mama u! Nag spun,! 3o sngdlns g s! 0104; 3I •ydS �q palmbai se spun! I alp jo Sul ;unoo0e !mum 1313 `aaimgo ;nog ;1M `Iamouog o; aniS !lags lapua-1 •spung am uo pied aq 11egs ;sala;u! ;134; `IOAOMO4 `Sul;uM ut 001213 11130 Iapuoi pug 10M011og •spung a4; uo s5mul13a 10 350103U1 Aug 1amolog /Cud o; palmbai aq ;ou pegs lapuag `spund am uo pled aq 0; Isamu! sannbal M13g algeollddy 1 0 Su1;uM ui aputu s! ;uatuaa1S13 ug ssajun •021ug013 4onS awn o; lapuaZ s ;Iuuad Mm-1 ajgmoijddy pug spund a4; uo 35010 3131 imams sXEd Iapua-! ssajun 'swam Mo10sg am Sut,(luan 10 `;13^00013 Mo10sa am Sulz,Cjgum /II13n11u13 `Spund ag; SumA idde pug Sutploq 103 Iamollog amp pm I113gs Iapua- •ydSg2T lapun pagioads amp a4 ;111:4; Ia;gj ou small MoJOSg a4; ,Cad o; spund aq; Aiddg !Ergs Iapua-! )peg ugo-1 autOH 1mlapa,l Aug uI 10 (pa insu! os 0.113 sgsodap aso4M 1301 ;n;l;sui 1113 s1.Iapuai 31 `lapua-g Suipnpu!) ,C ;1;ua 10 `,C;413;uamlu;su! 'Ammar !glapa3 g ,Cq palnsut ale sltsodap asogm uoi;n;i;su! 1313 ut Rag aq !jugs spun,! 041, me-1 0lq200dy 4;1M aoueplo0Oe u! as1Auoq ;o .10 small Molosg a1n;nJ jo Sa.In;ipuadxa 10 sa;mtu1 ;sa agg13uosgal pug glue ;11auno 3o siseq a4; uo anp spund 30 tumult a4; a ;gull ;sa hugs .Iapua-! •ydSal .Iapun 011111)01 11130 .lapuag 13 ;mom umtutxmut a4; paa0xa 03 ;011 (q) pug `ydSgll Iapun pagtoads amp a4; ;m spung am ,Cjdde o; .Iapun ;Iuuad o; ;uaiogjns (e) ;unotue 1313 u! spung Nog pug ;oalj00 'amp Aug ;13 'Amu Iapua -1 uo1;O0S sup Iapun paimba.i 1304; 0113 ;134; `sumotu13 lions u! pug `spund gje Iapual o; iced jjegs .IOMO.uog `uogm0onai qons uodn `pug Sl u0t;Oa5 4 ;!M a0ugp1o0013 131 u0AIS 001 ;ou g iCg amp Aug ;13 swan MOIOSg II13 10 Aug 0; su IaAI13M a4; 0)j0nal 1(13131 Iapua! •;13^013113 lions ,(1313 Iapua'I o; ,Cedoi 0; 6 uo1;oaS Iapun pa;eStlgo aq 11a4; 11134s IaMOIIOg pug lunotu13 gong Awl pug 6 u0I;0a5 Iapun S;gsu s ;I 0S1310X0 ,C1U1 Iapua-! 'mall MoIOSg 1313 103 anp ;unOulm am ,cud 03 sl!13J IOMOIIOg pug `I0n11M 13 0; ;u13nslnd `i j30a1ip small Molosg iced o; pa;ms1go s! 1aM0110g 3I •6 u0!;0aS u! pas^ s! „;uatua01Sm pug ;1313130^00„ asei4d a4; s13 `;uatunl;su! 13ufOaS s!4; u! pau113;uo0 ;uauIaa12g pug ;1313130110 u ag o; patuaap aq sasodind lie 103 hags s ;d10001 apinold o; pug s;uatu,(13d 'Tons a)jBIU o; uoi ;eSilgo S,10M0110g •0imbal Amur Iapua'i se pouad amp 40ns ut4;lM ;ua1u,(ed gons Su!OUap1na s;diaoal Iapua -I o; 4snunl flags `sannbai 1ap130131 `pug lapua-I ,(q pant13M uaaq set! spung 30 ;uaul,cmd 4o14M Io3 small Mo10sg ,Cue Io1 anp 08 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 BBAT -09 l 6A(WY) (0005)01 Page 6 of 15 0102677317 Form 3051 1101 347 1011. •SOC W.Joi gT Jo j BBB 10'0000) (AM)V9 SIBMUI LTELL9ZOTO y 6O-IVIES alquuosuaz aut,Cud (o) pug `lino ui guu13addg (q) :3uatutulsul ,C;unoas sip; lam) ,C3uoud sgg goigm um) u ,(q pamoas sums Aug gui,Cud (u) :o; mum ;ou aiu lnq `apnloui uuo suoi3ou mapua-1 •,C3.tado1d aq3 auuredai ao/pug guunoas pull `,Cuadoad am jo anlun a4; Suissassu zo/puu 2ui ;oa ;oid 2uipnloui `3uatutu;sul Awnoas sup .Tapun s;tpu pug ,(sadoad am ui ;swa3u) s,.zapua-j 3oa;o.Td o; a ;uudoiddu .zo alquuosuai si 1ana3u4m .to3 ,cud puu op Amu .zapua- ua43 `,(sadold ag; pauopuuqu suq .tamouog (a) io `(suo901n201 .10 smut 00303110 o; 10 3uatutulsnl Altman sup JOAO *mud muss ,Cum go14M uatl u jo luautaolojua .io3 `aan;TaJlo3 so uo4uutuapuoo .To3 `a;ugozd `,Co;dnnluuq ui 2uipaaoo1d u su galls) luatun.T3sul ,(;unoas s143 .Tapun s;gpu .zo /puu ,(padoid ag3 ui ;saia;ui s,iapua-I ;oaj13 Xpuuogtugis 342itu ;m43 2uipaaoo1d laal u st map (q) luatutulsul Allmon sip; ui paun uoo s;uatuaa.Tgg pug s;uguanoo ag3 uugjlad o; spg3 Samouog (m) 3I ;uamnijsui ,f ;linaas stq; aapu fi s;gglg pug ,C ;.tado.id aq; tit ;sa.ta ;ui s,.tapuari jo uolpoaaoia •6 aouapisat ludiouud s,iamouog su Avadoid am jo ,(ouudn000 s,1amouog Suiu.zaouoo suoi ;g;uasaida1 `o; pa ;iutil ;ou aig ;nq `apnloui suoi;m3uasaidai luua ;uy�l •uuo-i a4; 44m uopoauuoo uT (uoi ;guuojui lgua3gtu 44m Japua'i apinoid o; pop j .To) 1apua-1 o; s;uauta ;m ;s .zo uopguuoJui a;g.tnoomui 10 `3uipualsitu `aslm3 Appal= 0Al2 ;UOSUOO 10 apalmounl s,Iamo.uog gum 10 aamouog 3o soi3oa4p am ;g $upog sai313aa 10 suosiad ,Cum 10 Iamouog `ssaoo.Td uoi;goilddu usorl am guunp `3i ;lnujap ui aq llggs Iamouog •uopuogddy u13o7 s,aamo.uog •g •asnuo alg13uosua1 qons &1i4poads uopoadsui loua ;ui uu gons o; zoud .10 JO am) alp 3u aoi;ou Samosog ani$ hugs 1apuari •,(sado1d a43 uo s ;uautanoadtut a4; 30 ioua;ut aq; loads))) Amu iapua1 `asnuo alg13uos13a1 sm.( 3i 3I ',Cuado.Td ag3 3o suoi ;oadsui pug uodn sau;ua alquuosgai alum Amu ;ua2u s;i 10 iapua7 •uoi3eio;sa1 3o .4 tons jo uopaldtuoo am 103 1109u2i1g0 s,lamouog JO panaila1 Sou si aamouog `,CUado1d 043 al0 ;sai .to 4udal o; ;ualowns Sou 0113 spaaooid uol3uutuapuoo 10 aougms am 31 •palaldutoa si 3110M alp su s;uaut,Cgd ssa1oid 3o sauas u ui 1o;uauaud aj2uis 13 ui uo9m1O3sa] pug siimdat a4; io3 spaaootd asingsip Amu iapua-1 •sasodmd gons .zo3 spaaooid pasgalai sutl lapua -1 3l /quo ,(sado1d 043 guuo;sat 10 Suupdaz loj algisuodsai aq llmgs 1amouog `,C3.Tado1d ag; `3o 8unlg; am 10 `o; °Sutump g;tm uoi ;oauuoo 134 mud am spaaooad uop13nuTapuoo 10 aougtnsui 31 •a$13utup 10 not ;giotaa;ap ia43.m3 pions o; paS u up 3i ,(sadoij a43 limdal ,Cj3dtuo1d Hugs Iamouog `algtsga3 ,Clluottuouooa Sou si uopu30 ;sai 10 liuda1 Ills; S u0T3oas o; ;ugnstnd pauitutalap si 3i ssalun •uoilipuoo sai o; anp awn ui 21isua.TOap 10 3u4utoua3ap Uto13 ,C3.tado.Td am 3uanazd o; .Iap10 ui ,(sadoid a43 utg;tttuut llggs ]among `Xuadold aq; m guipisai Si iamouog mu .TO 1ag;agm •Altadoid alp uo a ;sum 3juttuoo ao a;raoua;ap o; ,Cltadoad alp molls `,(sadold am .nudtui 10 a213utup `,ioz ;sap Sou hugs 1amouog •suoi ;aadsui :,C;aado.td aq; 3o uopaa;oad puu aougua;upu `uopuitaasaid •L •loi ;uoo maiming puoAaq atu goi4m;sIxa saouulstunono 2u0gnua3xa ssalun 10 `plagg ;im Algsuosgamn aq loll hugs ;uasuoo 4ot4m `gui ;um uT saa12g asim.zatpo Iapua-1 ssalun `Aouudn000 3o amp am .tags ama( atm ;seal ;g zo3 aouapisa.) ludiouud s,iamouog su ,(atadoId a43 ,Cdn000 o; anuj3uoo um pug ;uatuIUIsul i(;unoas sup 3o uopnoaxa ag; aagu s,(gp 09 ui44m aouapisat ludiouud S,iamouog su ,(sadold ag; asn pug `4544133sa `,Cdnaoo llmis .lamouog •,Cau13dnaa0 •9 •anp uag; ;ou so aag;agm `3uautnusul *moos sup ao 010N am Japun pigdun s;unout13,Cud o; 10 Avadold ag3 a1O;sa1.to xpdal o; Ja431a spaaooid aoumInsut alp asn Amu aapua'l Apadold a4; 3o a213.tanoa am 0; alquoilddu ore s3q u gons su mpg)) `,C;.Tado1d am 2uuanoo saiogod aou13ansUT ll13 1apun (lamouog Aq mud sutntutaId patumaun jo punjat ,(uu o; ;gg)i a4; 13134; iatl;o) s;42)1 s,.zamouog jo 1aq ;o Aug (4) pug `luauttu ;sus ,C3unoas sig; 10 030N 34; lapun piudun s;unotuu am paaoxa o; loll ;unotuu um uT spaaooid gamma)! ,(um o; 534213 s,Iamouog (g) .1apua1 o; suiltssu Agmaq Samo.Tlog `as!Auag3o 10 ZZ Qopoas 1apun ,C;.Tadoid am soiinbou lapua-1 3i 30 `Isom 104310 ul •uan12 sT ao4ou am ua4m u42aq !pm pouad Amp-0E ata •tui13lo am aims pug 0313 3oSau ,tutu .Iapua-1 uag; `utiulo u alms o3 pang() mg mum aoumnsUT alp 31343 Iapua1 malj aoj3ou 13 0l s,Cup 0£ ut43tm puodsal loll saop 3amosog 31 •s1a413ut pa313laa puu turelo aouginsui alg13li13A13 Atm aA3as pug a3mt3oSau 'Ng Amur zapua-1 `,(3tadold a43 suopuug13 10m0110g 3I •Z uoi;oas 111 .103 papinold .zapto a4; ui paildd13 aq llggs spaaooid aoumnsu14ons •1amouog o3 mud `,Cum 3i `ssaaxa am O8 8.i attorneye 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. BBAT -09 6A(WY) (0005).01 Page It 0115 Initials 0102677317 349 Form 3051 1101 10 /1. 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samba' M21 aig20tiddv J0 Sut3uM u! ap2tu st 361016100.1$2 112 ssaiun •pa3aidutoo st )1.10m 311; s2 s3uatu,Ced ss3.ir2oid 3o sauas t 611 so 3uauuasmgstp ai8uts 2 ut uot;2103sai put szn:da1 a11; Jo3 ,Cud 1etu Japu3 -i •1Cgdtuold 113)iepapun aq Hugs uo130adsul lions ;2p; paptnold 'uoj3023st32s s,1apUa-i of palaidtuoo wag 6211 )JOM am amsua o3 11odo1d tons 30adsut 03 1Cltunpoddo ut p2.1 6214 10p1131 iP spaa0oid sn0a612iIaosti^i tons pi0q 03 34$11 3143 an211 il2gs Japua'i `pouad ttopu 03sai put .112dat g0ns Sutma •p3uass3i 3061 s1 ,C ;utiO3s s,i3pu37 put aigtsua3 1(11201611061000 s1 42d3.1 10 110132101SW at; 3t `1Cliadoid 311 jo nedai 10 61013210160.1 0; pondd2 aq amp spaaoold snoau2Tiaosm tons `pa32tu2p st ,Cpado1d 0113 3I •1apua1 03 pt2d aq ii2gs put 0; pau2tss2 Sgauaq 0161 sp0a00.td sn00u2p3091n1 IIV •a.cn ;iaicog :spaaaoJa snoau2iia3styt 3o luatuu2issd •II •uoc3gu1WJa3 Jo uo132paau$a yans Jo awn alp 3v paul6aun aJaM ;2y3 stuniulaad aougansui a8633Joi,J Aug 3o pun;aa v 3A1339J 03 Jo/pug '1pg3[lgwoing pa3gmw1a; a3UgUnsui a2US ;.10JkJ ay; anvil o3 'aaugansui a2633J0} J ay; Jo uoi;2 uiv3go pug ;sanbai 01 'salnsoiasip uig3Jao aniaaa1 o; 314211 ay3 apniaut Amu s ;g2IJ 36314 •nevi Jay30 Aug 10 8661 3o 3aV uoilaa;o1d sIaumoawoH ay3 Japun aauBJnsui 32823101k ay; o; 3aadsal y;im Aug 3i sgy JamoJuog s3 ay; pang 3061 ptm s3uawaaJSv yans ,Cud (q) r E '';1,50 08 58(1 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. BBAT -09 0102677317 h 6A(WY) (0005).01 Initials Page 10 of 15 Form 3051 1/01 351 L011 LSO£ WIOJ LT£LL9Z0T0 4L jo LL stied 1o'(9000) (AM)V9-WI 60 -DIEM VdSg2i uoituuoJut sag ;o ,Cut put op= oq wogs s.uatu,Cud gotgM o; ssaippe otp `zaO!,uas uto-1 MOU aq2 3O ssaippu put aureu aqi opts HIM ga►gm agutgo aqp 3o aoi;ou tau tm uanig oq IIiM 1amo.uog `aaotn.Uas ueo-1 agp 3o agutmO a Si Jag; 31 atom amp 3o alts a o; pa.elanun =Inns utol am 3o saguego mutt 10 auo oq ;ggiui oslu a.iaq j •Mw-1 of :eotlddy put ;uauin.zlsul ,(;unoas slip `apor- aq; spun suogtgilgo SuiO1,uas utol oSailouu lag ;o suuo3.iad put ;uauini ;stu ,C ;unoas sup put a;oN agp 1apun anp s ;uatl,ced Oipouad s ;Oalloo pu4; „.IOouuas utol, agp se mom!) ,Cmua atu ui aguugo a ui pinsai ;put alts •.iaMouog o; aot;ou loud ;nogp►M sauiu a.iotu JO ouo Nos oq uto (.uatututsul ,(;unoas sup pm 1oq ;ago;) a;oN aq3 ui IsaiaJu! puled a .io mom o4I •aauunaU9 3o aapom :aaalnaaS usoZ ;o amnia :a;oN 3o aP S •0Z •81 uoip os iopun uoi ;eual3OOU jo asto ag. ui ,Cldde Jou -lugs ame;sutat op pggu sup `Jonomon •pazm000 pug not ;tialaoot ou 3t st anlpoajja Allnu mutual -lugs ,(gong painoas suoipugilgo put ;uauitu;sul ,(.moos slip `laMoziog ,Cq 1uauuame;sutaI uodn •iajsueij spund Otuo.uOa -g (p) 10 !,C;t.u° io ,(;ijRuatutu ;sut `,Couage 'mom t ,(q palnsut ale s;isodap asotM uoi ;tut ;sui uu uodn umuip si rago gons Aug papinoid 'vow s,ia111Se3 10 ratio s,zainseaa. Vogo Aueq ',pogo pat31piao (o) `.Sapm ,(auouu (q) °gsto (u) :.zapua-1 ,Cq papa -os se `suuo3 2uiMollo3 042 jo atom 10 ouo ui sosuodxo put stuns ;uauua ;e;sutat gons ,Cud .1amoziog ;eq; a.iinbai Amu iapuo l •poSutgoun anal ;uoo Hugs ;uauittusul Allmon sup ,(q pamOas stuns am ,Ced op uotjegtlgo s,xamonog put ;uaunu;sul ,(;unoas sup iopun sup.' put ,(padold agp ui ISOIOpul s,Iapuo'l pail amuse op altnbat ,Clquuosta.i ,Ctui .1apuo l se mum gons sods. (p) put 'puaunu;sul ,C2 stq; iopun sup.' put 4Iadoid agp ut 25013mu! s,1opuo l gui;Oa ;old 3o asodind am Jou pazunoui saa3 .Iagpo put `sat; notpen -en put uoi;oadsui ,(p odojd `sot; ,s,(auio ;t algeuoseai `o; pa ;taut- you ;nq `gutpn -out ;uatun.usul ,i;unoas slip guto1O3ua ut pozunOUt sosuodxo I-e s,ied (o) `s ;uouuaaige io s.utuanoo iaq;o Aug jo ;jnejap ,Cut saino (q) °pa.un000 pug not;elalaooe 011 31 se Opal- agp put ;uauin.0 ;sal ,(;unoas sup .iapun onp oq .-nom uoq; goyim stuns Ile iapuo l s,ced (e) :1oMoziog peg; ale suoi;ipuoo asogl, ;uauutu ;sal ;moos sup guio.UO3ua ;uauigpnf a 3o Ai ;ua (o) so `a ;e;sutai at ;Op s,lamoziog 3o not ;eurnua; aqp Jo3 43ioods iggttu mu-1 a- geotlddy sr pouad 1aq ;o gons (q) ;uatuni sui ,(;moos siqp ui pautu ;uoo ales Jo ioMOd ,(ue op ;uensmd ,(padoid aqp jo ales aiojoq s,(ep amyl (e) :3o ;satlita agp op loud aunt; Aug .e panty ;uoo$tp ;uauutupsul ,C ;unoas slip 3o puautOOaojua snug 01 pggu am mug hugs SOMOUOg `suot.ipuoo ute spout lOMO.uog 3I •u0pe.ialaaay .ua ;3d a ;e;suml 0; ;Om s,aaAto.t.uog •6I •1aMO.uog uo palatal 10 aot ;ou iag.ng mown ;uatutu;SUI ,(;unoas sup ,(q pa ;nuuad soipatuai Aug a)lonui ,(eau iapua-1 `pouad suit jo uoipeiidxo aqp op .loud sums asagp ,(ed op sjie3 10MOZiog 3l ;uatutWsul ,C ;unoas sup ,(q pomoos stuns 11e ,Cud psntu IaMO.uog gotgM utq ;!M g1 not ;oas gptM oOueplo00e ul uanig si aoy ;ou ant app aqp wog s,Cep OE ueq; sSal ;ou JO pouad e op/told 11egs a01 ;0u atl 1, •toy ;u.Ialaaoe 3o ant ;ou Iamozuog anti hugs 1apua-1 `tot ;do slip sastoiaxa .Iapua'l ui Mel algeotl ,iq po ;igygoid Si asIoiaxa gons 31 10puo-1 ,Cq pastoiaxa oq ;ou lltgs not ;do sig; `ianamol-1 •;uatunusul ,2unoas sup pampas stuns Hu jo IIn3 ut puatuXud o;utpatuutul annbat Amu zapuoi `;uasuoO minim .ioud s,iopuo' ;nog ;iM (pauajsuezp .IO Nos sy nmo.0 g ui ;sa1a ;m Itiogouaq a pus uosiod minim a Jou st l0Moziog 3i ao) pauajsut.I1 10 Nos si ,(..tadold alp ut .sa1a;ul ,cut Io ,(padoid agp 3o paled Aug 3o Ile 3I •.iasegoind a o; amp anutt3 a ;e .la,Mo.uog ,Cq alpp 301ajsut q ag, sy goi4M Jo pop! all; `;uatuaalge Molosa �o ;oezpuoo salts ;totally. ;sat `poop Jo3 ;ouquo0 `poop iou puoq a ut paziajsumi s ;sag0Jut letopauaq mom `0; pa;yuuil Jou ;nq `gutpnlout' `4Iadoid agp ui Isamu! te1ououaq so legal Aug sueow „,C;1adold am ut Jsa10Jul„ `81 not ;pas slip ut pasn sy %lamto.taog ul ;saaa;uI lala13auag u .10 ,u.tadoJd agp 30 1aJsutal, •gl ;uatutu ;sUI ,C ;unoas si.; 3O put alms' aqp 3o ,Cdoo ouo UOAI2 aq urns laMOZtog 1d03 s,.taMO..tog •L l •uoi;oe Aug axle; op uopegilgo ,Cue ;nogptM uoipa1osip a-os sanyg „,Ceuu„ plonk am (o) put !tom 03tn pus lemld agp °pnloui put ueow liegs imams agp ui sp1Om (q) `iapuag autuiuua3 aqp 3o sploM JO slalom Jp ;nau gutpuodsaztoo apnlOUi put ueow lletls aapuag aui- noseuu alp Jo sp.IOM (e) ;uatunusul ,C;unoos sup ui pasn sy •uotstnoId guuoipuoa 04l; ;nog 1M ;oa33a uanig oq ueo goygM mot am so mammal' ,C ;unoas sup 3o suotstnold uaq ;O paw .ou hugs lOtguoO gons `Me'l o- geoiddy g.1M sp gjuoo a.oN am 10 ;uatunusul ,C. unoas sup jo asne -o so uoisinold ,cue imp Juana aqp ul •Jotapuoo ,cq ;uowooige ;sutege uoipigigold a se panusuoo oq ;ou -lugs aoualis talons ;nq `;talus act ;ggiuu 10 ;oe.i ;uoo ,Cq aoigu 03 sound am moue ,((;ioilduut 1O Al;iolldxa ;ggiuu mei olgemilddy Me-1 algeotlddd jo suot.e.iwq put: s ;uatua.zinbai Aug o; pofqns are ;uatunusul ,(.moos sup uy pauitpuoo suouegtlgo pus s.ggti lly •pa ;tool si Aiodold agp 4014M ut uot;OUpsunf all; 3o mu' am put Mel leiapo3 ,iq pausonog oq iiegs ;uauu1U ;sal Allmon stud, •uopana;suoD 3o salmi :B ;illge.ianas :Mt1 Sulu.ianoo •91 087258G 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. BBAT -09 h; 6A(WY) (0005).01 Page 12 of 15 0102677317 Form 3051 1/01 353 •O/I LSOE LUCIA LT£LL9Z0T0 C SC IN 5t Jo EL e6ed J o Am) v g5dtj 60 —.WEIS •EututoSM jo sME( uoudtuaxa pea ;satuoq au; 3o aflpin Jig pug .capun s ;q3u IlE sanWM puB saseaiat aaMO.uog •sian!UM •6Z mE-1 aiggoiiddd Japun pa ;iuuad si aaj aq; jo Suiaiutio aq; puE paiapuas soot uas .toj Surd pp►q; u o; pad s► aaj ati; 3i /quo ;nq ;uatunusul S;unoas sig; &utszaiaz ion aaj aanno.uog adiugo SEUt iapuan s ;soo uouspiooai Sur Sid Tugs .tamouog ;uautn.usul 4.moas sup asua(at (Tugs iapua-I ';uatungsul S ;imoas sup Sq painoas stuns Hu jo ;uatuArd uodn •astapau •£Z ;t o; pal ;t ;ua suosiad .to uosiad aq; o; ssaaxa Bug (a) put.:;uawn.p ;suI S;tanaas mg; Sq pa.pnaas scans Tie o; (q) :saa3 ,s,Cauio ;t, apquuosea.z `o; pa ;lwll ;ou pig 'Nulpnlaul 'ales aq; jo sasuadxa 'Ie o; (e) :lap() 4uptiolio3 aq; ut patpddo aq llgys ales ay; jo spaaaoad aq j •ales Sue ;e B ;aadoJd aq; ast:yaJnd Amu aaugisap s ;l .Jo iapuai •Merl aiquallddy Bq pagpasald aauuetu aq; ut epos aq Heys S ;.iadoid aq; pue 'ales jo oat ;ou aq; gsllgnd Hugs aapul •s1 uot;aas tit paptnoad aauugw aq; ut aan+oJiog o; ales aq; jo aat;ou anti lugs .papuarl •MwJ algeailddy quit aauupaoaan m ';ualaJ;tp 3t 'Bp.padoid aq; jo uotssassod ut uoslad aq; o; pue Janto.p pot o; asoiaaaoj 0; ;ua;ut 3o oat ;ou anta (tugs aapua' 'ales 30 Jamod aq; swim; .papua1 •aauaptna al ;c; jo s ;soa pue saaj ,sSau:po; ;e apgeuoseal 'op pa ;twat ;ou ;nq '2utpnput 'ZZ uot;aas step ut paptnold satpatuaa ay; Sutnsand ut paJanaut sasuadxa tie ;oa((oa o; pal ;t ;ua aq hugs .papuarl •Mtq aiquagddd Sq pap;ttu.pad satpawa.t aaq ;o Sue put opts jo .pamod aq; alonut Sulu put putwap .pay ;Inj ;nog3 M ;uatuna ;suI S ;tanaas sty; Sq paanaas stuns lie jo itn3 ti; ;uawSud a;etpalulut a.ttnba.t Sulu not ;do s ;t ;e .papuarl 'aat;ou aq; ut paupads a ;ep aq; a.pojaq po uo paJna ;ou st ;Inejap ay; 31 -ales put uotp.pa(aaae o; JaAto.pUOg ;o asuaJap aag ;o Sue Jo ;InUUap t 3o aaua;stxa -uou ay; ;.passe o; not ;ae ;rnoa a 2upq o; ;qS J aq; pug not ;eaapaaat .came a ;e;suta.t o; ;Op aq; 3o aamoaaog luaoJut lay;.cn; Bugs aatpou atu, •Sp.pad0Jd aq; ;o airs put ;ualuni ;su1 S ;t.pnaas sty; Sq pa tnaas stuns ag; 3o not ;g.palaaat ut ;lnsai Sulu aat;ou ay; ut pagpads amp aq; aiojaq JO uo ;Inew ay; a.pna o; a.pnituj leg; (p) pug :palm aq ;smut ;Int;ap ay; gatgm Aq 'aaMoaaog op uanIS s; aa!Iou aq; a;ep aq; moa3 sSep in tulip ssai ;ou 'a ;tp it (a) :;intjap ay; aim o; pa.nnba.p uot;ae ay; (q) ;tnejap ay; (g) :S31ads'legs oat;ou aqZ •(astnt taglo saptnoad Atari aigtag(1d 7 ssa(un 81 uot;aas .papun uot;eialaaat op .pot.td ;ou ;nq) ;uawna;suj S ;t.pnaas stq; ut luatuaaJge Jo ;utuanoa Sut jo yata.tq s,aamoldog But,NOIIo3 not ;taataaau o; aoRd 1 Mtoxiog o; aap ;0u 3,42 (Tugs aapua•1 •satpatuau :uot ;e.ta'aaay •ZZ :sMoiioj sE =SE puE ;uuuanoo .tag;.tnJ .tapuan puE .tamo.uog •S.LNVNgAOO 1,11IO.JINfl-NON 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: t 6A(WY) (0005).01 Mar E Skapple 355 (Seal) Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower BBAT -09 0102677317 Page 14 of 15 Form 3051 '1101 1011 190£ w1o3 LtELL9 :ss 4unoO :s1 apgn, AietoN 9 1 St seed to ls000) (1,M)t19-yav 60-SKSS 0N10AM N10ON1 d0 31V1S AO.AIN1103 DI18fld A21V10N 33)I 3121f1V1 00Z T 1 ICzenuur :so.gdxg uotsstunuoa ,Cyv eiddstsp5 Z XavX /Cq 100 Z 5 Z Tz dy saga out mpg paSpapnnouxog SUM ;uauzn13sut 2uioSaio3 aq j uToouTZ N1JAIOAM AO g,LV.LS 9O 0872586 35i? PLANNED UNIT DEVELOPMENT RIDER THIS PLANNED UNIT DEVELOPMENT RIDER is made this 3RD 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 (the "Borrower to secure Borrower's Note to GreenPoint Mortgage Funding, Inc. (the "Lender of the same date and covering the Property described in the Security Instrument and located at: 191 Barberry Way, Thayne, Wyoming 83127 [Property Address] The Property includes, but is not limited to, a parcel of land improved with a dwelling, together with other such parcels and certain common areas and facilities, as described in the Declaration of Covenants, Conditions and Restrictions of record (the "Declaration The Property is a part of a planned unit development known as Star Valley Ranch [Name of Planned Unit Development] (the "PUD The Property also includes Borrower's interest in the homeowners association or equivalent entity owning or managing the common areas and facilities of the PUD (the "Owners Association and the uses, benefits and proceeds of Borrower's interest. PUD COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. PUD Obligations. Borrower shall perform all of Borrower's obligations under the PUD's Constituent Documents. The "Constituent Documents" are the (i) Declaration; (ii) articles of incorporation, trust instrument or any equivalent document which creates the Owners Association; and (iii) any by -laws or other rules or regulations of the Owners Association. Borrower shall promptly pay, when due, all dues and assessments imposed pursuant to the Constituent Documents. MEAT -09 102677317 1/01 MULTISTATE PUD RIDER Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT olm 3150 1101 Pagel of 3 Initials: f -7R (0008) VMP MORTGAGE FORMS (800)521 -7291 1011 OS1£ wuoA LtELL9Z0t0 ;o z e6ed (e000) ate 60 -axes ;uauuAed Sut;sanbaz iamouog o; zapua-I uuoz3 aot;ou uodn `;saza;ut tmm `alge,Ced al Hugs pus owl a;oN aq; ;m ;uauzaszngstp jo am; am uuoij Isamu! zuaq !lugs s;unoure asaq; `;uatu,Csd jo suua; .iaq ;o o; oat &m zapua'I pus zamonog ssalun ;uatut usui ,lungs aq; ,cq paznaas zamortog jo ;cap leuot;tppn ammo(' llmgs 3 gdv2ezed stq; zapun zapua-1 ,Cq paszngstp s ;unour Auy •uuaq; ,Cud ,Cent zapua-I uaq; `anp uagm s ;uautssasse pus sang and And ;ou saop zamouog 31 •satpatuag rj zapua I o; algs ;daoosun not ;stoossy siaump au; ,Cq pauts;utsuz aRmanoo aoueznsut Atltge!! oggnd ag; 5uuapuaz jo ;oojpa aq; ansq mom gotgm not ;om Aug (Al) io `uoi ;ntoossy staum° aq; jo;uauta3nunuu jlas jo uot;dutnsss pus;uauiasusut Isuotssajoid jo uoi ;eutuua; (In) !mpuoi jo ;gauaq ssazdxa aq; zo3 st uotstnozd aq; j! „s ;uautnooa ;uan;t ;suoa„ am jo uotstnozd ,Cus o; ;uaulpuauue ,Cum (tt) `.ur utop ;uaututa .to not ;suutapuoo ,Cq Sum; m jo asmo am ut .to ,llmnsmo zaq ;o io an; ,Cq not ;onz ;sap lut ;ui sgns jo ono ag; ut Me! ,Cq paztnbaz uoi ;sutuua; .to ;uauiuopusgs zoj daoxa `and ag; jo not ;sutuua; zo ;uauuuopuege aq; (t) :o; ;uasuoo zo ,Cytadozd am aptntpgns zo not ;in d zaq ;ta ;uasuoo ua um zoud s,zapuai q ;tm pus zapua-I o; aot;ou zags ;daoxa 'mu Hugs zamouog •;uasuoD aoud s,.iapua' •a II not oas ui paptnozd sm ;uautnusul ,t;tznoas am ,Cq paznoas stuns am o; lopuoi ,Cq patlddm aq !legs spaaoozd gons zapua I o; peed aq !legs pus pau2tsse Agazaq ale `uot ;uttuapupo jo non ut aoum,(anuoo Aug zo3 _to `and am jo sat;tltoej pus SEWS uouuuuoa aq; zo ,CUadozd ag; jo I d Aug zo Its jo Sunle; zaq ;o zo not ;suutapuoo ,Cum q ;tm not ;oauuoo ut zamozzog o; alqu ced lepuanbasuoo _to loaup toRutump zo3 uttmlo zo pzmmm ,Cum jo sp0000zd aqj •uoi ;sumapuoj •a •zapua-I o; 02mz3n03 JO ;ua;xa pus `;unouue `uuo3 ut algs ;daoon ,Cotlod aounznsut Atltgstl otlgnd a suu utsut uopmtoossy szaum° aq; ;em aznsut o; algmuoseaz aq Amu se suot ;oe !Ions wig; !lugs zamozzog •gate nsuI fullggn allgnd •3 •zamolog o; mud 'Aug j! `ssaoxa am g ;tm `anp tag ;;ou zo =palm ;uauunusul /tunas aq; ,iq painoas sums am o; spaaoozd am Alddm !lugs zapuaj zapua -I o; peed aq Hugs pus paufftssm ,Cgazaq aze zamonog o; algs,Csd spaaoozd ,Cum `and aq; 3o sautltosj pus ssazs uoututoo 0110 `,l.tadozd aq; o; sso! &utmollo3 nmdaz .10 11O11E101Saz jo nail ut spaaoozd aouelnsut ,luadozd jo uot;nqu ;sup m jo mono aq; uI •,iotlod mlumlq .10 za;smuu am Act paptnozd aszano° aoueznsui Apadozd paunbaz ut asdm! ,ium jo aot;ou 1duuozd zapuol anti !lugs zamouog Item ag; jo twig; am Slipup auego tiro zantmm sun jo notppuoo m se =tribal zapua-I ;sqm •,Cotlod not ;mtoossy szaumo am ,cq paptnozd st a;Iszanoo paztnbaz am ;eq; ;ua ;xa am o; patjst ;ss pautaap s! A odozd am uo aSmzanoo aoumznsu! Apodozd uts;utmuu o; S uopoas zapun not ;m8ggo sIamozzog (n) pum °,lzadozd aq; uo aoumnsu! ,Cuadoid zo; s ;uauulls ;sut utntuzazd ,Chug,( am jo zapuai o; ;uauu,Cmd otpouad aq; zoj E not ;oas ut uotstnozd ag; santmm zapuaZ (t) :uaq; `aoumznsut sannbaz zapuai gotgm zoj `spool; pus sa)lmnbqpzsa `o; pa;ttutl ;ou ;nq lutpnput `spzmzsq zag ;o ,Cum pue „`aSmzanoo papua;xa„ uua; aq; utq ;tm papnlout swung `azg ,Cq ssol ;sutam pum `spouad aq; zo3 `(slang! alga ;onpap &utpnlout) s ;unoute aq; ut a2mzanoa aoueznsut saptnozd gotgm pus zapua-I o; ,Cto;onist ;ms st gotgm ,l1odozd ag; Suunsut ,Cogod ;aAuelq„ zo „za ;smut„ s 'mum aoum1nsu! pa;daoon Aliumua5 m qpm `sutra ;uteui not ;epossy staum° aq; sm 2uol os •aoumansui ,C;aadoud g RqC BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this PUD Rider. (Seal) (Seal) Borrower Borrower 7R (0008) (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower BBAT -09 0102677317 Page 3 of 3 Form 3150 1101