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Home My WebLink About872562t..l.: 11 11 1 1 L0 /1 150E waoA •S2igIAT (888) Pi `9Z0Z IJAJ aUIi3 `9Z0Z Xog •O•d jo zaqumu auogdauai pun ssagppe un sex' pue `aremeTaaU 3o smei agi,'apun Sugsixa pun paziuegio Si S)gyv •IuautnJ ;sal Slianaas spp Japan aaSeS;JOiu ag; si gam/ •suSisse pue SJOSS 03115 s pue /opal zoj aauiutou a se Amos Supoe st imp uoiiezod,'oa aii ndas a si sumAi Jul `suiais(S uope,'isiSag oiuoziaalff a2n2i ioyv si „sggm (D) luaumrisul XW1I aS sup rapun rogeSiIotu alp si zamozzog si „Janoaaog„ (g) •ivauinaop s!tp of szapl2T Tte gi1A■ zagiaSoi TOO Z H,L9 Z AlIVIINS$3 pip p si t 11 M `ivaumoop sigi sunaui ;uatunJisal Smanaas„ (y) •9T uoiiaas ui papinozd osin are ivauinaop sup ui pasn spzom 3o aSnsn alp Suip,'eSaz souk,' uieiza0 •TZ pun OZ `8T `£T `TT suoipaS ui paugap are spzom ,'agio pun mop(' paugap air ivaumoop sup jo suomas audpunui ui pasn sp,'oM 9N1ti 1 O),r')h i: .1:,s J3Vt4113'4 4 3N1L, 1:,1 iG :6 NV RI ?9921.8 >1113 .LNn00 I 303N11 a3A1303zi ZL0816EZt 09Z9000T NIIA F HDVd 2Id )100Q )N11 11 N :sm11N( S 1 tot abed 10 (AM)V9 ez L 08i6£Z Tf O (00 /ii) OLLLAASA141 SUM HIIM 1N3Wf HJ.SNI W4OdINf1 oeW elppeid /eeyy eluued- AIlwed el DNIWOAM Lena 8mpaoJag Jo) our' silty alogy ands] 8CGIl_8 tezL-tz5(oo8) sLJ) od 3D/91 M awn NOSIIHd 3'IONIS V SNI?I'IIM N HS al tt5 t 1DVd 2Id 9 IOOfi OtZSL XI 's2ZIPa OS6 almS 'aAT1C wn.zon0 OS8t1 x.zoMlaN juzouvula s6uzwoDawoH SNOLLINI T G :gig paznda,'d L :aegwnN ueo £Z4SS NW `sgodeauufW 00I 'an 1 14910.10 u•puayQ auo 'Jul `4zonuaN 1143UBCng s8cmuo3aWOH i79PiIOZO# :oj uznia2T war (D) "Lender" is HOMECOMINGS FINANCIAL NETWORK INC. Lender is a CORPORATION organized and existing under the laws of DELAWARE Lender's address is 14850 QUORUM DRIVE, SUITE 450 DALLAS, TX 75240 (E) "Note" means the promissorynote signed by Borrower and dated FEBRUARY 26TH 2001 The Note states that Borrower owes Lender FORTY THOUSAND AND NO/100 Dollars (U.S. 40,000.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later thaiMARCH 1ST, 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. (II) "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]: 1 Adjustable Rate Rider I 1 Condominium Rider 1 Second Home Rider Balloon Rider n Planned Unit Development Ride;} 1 1 -4 Family Rider n VA Rider n Biweekly Payment Rider n 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 fmancial 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) misrepresentationsof, 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 requirementsand 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. MFWY7770 (11 /00) 041- 239180 -7 ®6A(WY) (00051.01 Page 2 of 15 Initials: Form 3051 1/01 283 L0 /L L90£ wtoA atIORM S L JO C °Bed to•1SOoo) (AM)rd9 L (00 /TT) OLLLAM1111 Apadozd Igaz SUpgA0z luatunzis11T kminaas uuuojtnn g alnlpsuoo of uotpipsiznf eiq suoprprn paittutj T{11M sluguanoo utzojtun -uou pug asn Iguoligu zo3 siuuuaA03 utzoJiun sautqutoo LNaJAIf12I LSNI A,LRifDaS SIHI •pzooaz jo saougzqumoua Slur of loafgns `spugutap pug sungp 11g sun Isutr2r Spada'," 0111 of app alp iijjgzaua2 puapap iitm pug siugzzgm zam0zzog •pzooaz josaougzqumnua zoj 1daoxa `pazaqumauaun st Spada'," alp lap pug Spada'," alp Sanuoo pug 1ug1 `a2r2pout 01 ITTSP alp sr!" pug paSanuoo Agazalj amsa atp jo pastas IiljnJMgl st zamozzog igII1 S,LNVNHA0D2iaAA02I2I0g •luautnzlsul AltmoaS snji &utpouuo pug 2utsuafaz `o1 paiturti lou inq `Sutpnput zapua -i jo pazmbaz uopou &1111 arl of pug !Spada'," alp fjas pug asopazoj 0l Tipp alp `ol paitunj lou inq `21gpnput `slsazalut asap jo fjg JO &re astozaxa 01 :11f21z aria sgq (su2tssg pug szossaoons s,zapua-I pug zapua -I zoj aautumu se) S2igiN `utoisno JO MET I111M &ldwoo 01 Xzuss0o0u 3 1 inq luaumzisul AitznoaS TT) ut zamozzog �i q paluua slsazalut atp 01 app Ir2al Aluo smolt S aii i Tap saaz2g pug spuriszapun zamozzog „•Alzadozd„ atp sr luaumzlsul IillznoaS stgl lit 01 pazzaja1 Si SmoSazo3 alit 3o Ifs •luaumzlsul'1unoaS s?qi 'iq pazanoo aq osir iiggs suotl!Ppg pug sluautaogjdaz •icizadozd alp jo lzgd g impala"( JO Moll saznixt,I pug `saouguaiznddg `sauauzasga 1111 pug qizadozd alp uo pap =a zaijrazaq JO Mou sluaUIanozduwt atp H.LIAV2IaHJ2OO1 „ssazppv ii)zadozd [apo3 d!Z] 011 E 8 $unm [AID] NO,L311 [taarts] Q1102i 33 IUD NIML 6 3o ssazppg alp sgq Apuazmo Ipm& 008 5 0 0 0 E 8181 Z E :zaqumN QI Pond �C12!H 'IVRE QH HIUDSHQ HAOHK EEL 30 Q02i T H,LOOS HH1. NO2I3MISH,L DNI,Ld8OXH '0NINNIOHfi 30 ,LNIOd HILL O,L SQO2I 0T7 H,LIION HONHHZ !,LHH3 ZET ,LSKH HONHH,L TSCO2i T I7 H.LIIOS HONHH,L ,LHH3 Z T 1,SHM HONHH,L 00d T H,LEON HONHH1 JNINNMI Q N F I 0NIIJIOXM 'N d ILL ',LSHM 811 8DNV'2I 'H1,2ION ZE dIHSNMOI 8T NOI.LO 30 TMS TMSt/TMS) 21H,L2iYfl 1,SHMH.LIIOS HILL 30 UZIENA ,LSHMH1f10S HILL 30 lialaivnO 1SHMH,Lf1OS MIL 30 1IHN210O SSKHH,L2ION EEL ,LFI 0NINNI0HH [uorto!peunj Surpaoovu jo autaN] [uono!psunl Su!paooaj jo a Sji N'IOONI`I JO X,LNQOO gill tit palgooj Sizadozd pagposap SUTMOljoj aril 'ajgs 3o zamod q ;1M 'slow LIA 3o su2issg pug SJOSS awns 0111 01 pug (suStssg pug szossaaans s pug zapua-I zoj aaututou se Slaps) S2I3Y'i 01 ,ianuoo pug lug1S `a2u2lzouw Agazatj saop zaMOZZOE[ `asodznd spp zo •alo alts pugluaumzlsul AitznaaS sitll zapun sivautaaag pug sluuuanoo s,zaMOJJOH JO aouuutzojzad 01 11 (n) pug :aloN gill jo suotiuol,Itpout pug suotsualxa `sjumauaz Ilg pug `ugo -I 0111 joluauuiudaz aI[l (1) :zapuai 01 samoasluaumzisul AipnoaS stm, A.L2IadO2Id MIL NI S,LHOI'I 30 2IHdSNd2LL •luatunzisul iilunaaS snfl Jo /pug aloN alp zapun suopu2ljgo s,zaM0zz0g pauInssu sgtj Aprd lutfl 1011 JO z0111011M %izadozd ail 01 01111110)M sgtf rip Spud Sur sugaul „aa noaaog Jo ;saga ;ul ul aossaaanS„ (l)) PRZ LV C10, is41 F1`''N dan.ur ...,r 08 MFWY7770 (11/00) 041 239180 -7 -6A(WY) (0005).01 Page 4 of 15 448 UNIFORMCOVENANTS. 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 instrumentreceived by Lender as payment under the Note or this Security Instrumentis returnedto Lender unpaid, Lender may require that any or all subsequentpayments 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 deemedreceived by Lender when received at the location designated in the Note or at such other location as may be designatedby Lender in accordancewith 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 reasonableperiod 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 Instrumentor performing the covenants and agreementssecuredby 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 encumbranceon 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 (nitials:�• Form 3051 1/01 285 LO /L L90£ WJad slelllul 9 L io 9 e6ed LO IS000) (AM)V9- L 08i6£Z Ib0 X00 /ii) OLLLM&INNI alp 2utSjpuopt aotpou g zamozzog 0n0 Stu zapua- luaumzpsul Liltznoas surf; zano iiluoud utg ;e ueo goi11m uaq g op pa[gns st kp1adoJd all jo pzgd eiug Igtpsautuualap Japua- II •luaumzpsul Aptznoas sup o; uail alp Bupgutpzogns zapua- op izopujspgsptauiaaau ue uatj al; jo Japlog al; utoz3 saznoas (o) zo `.papnpuoo aze s2utp0000zd lions pun STuo ;nq `Butpuad azg sButpaaoozd asoi p aTtgm uatl al; jo puauuaozojua all luanazd mole/ado uotutdo s,zapua- ui 11oigmsButpaaoozd legal `ut uogq all 3opuautaozojua;suteBe spuajap Jo `Aq t pip3 pooB ui uaq all slsaluoo (q) :Iuautaai2i tens Butuuolzad si JOMOJJOg se BuoT os /quo lnq `zapua- 0p ammo:loon zatuguu g ut tag a11p Sgpamoas uotlgBggo our jo luatu&gd 0tp o; Bupum ut saai2le'(g) :zamozzog ssalunluatuiu sui Altznoas soil /ono S;uotzd serf tlotgm uaq Smg aSzegosip ,illdutozd TTggs Jamozzog uotloas ut paptnozd Jauuguu 0111 UT uiagp SEd Ilegs zamonnoa 'swan mozosg aze sttalt sip p legs luapxa alp 01, .Sue ji `sluautssass\ pug toad `sang uopgpossV kpiunuiuzoD pug `Sue 3t `iipzadozd alp uo spuaz puno1B z0 mourSrd plolasgal `luautnz ;sul *moos sup zano k;uoud urel ;e ueo gotgm,ipzadozd all olaige ;ngtzlle suoptsodttt pug `saug `sagn ip `sluautssasse `saxgl T[g Sgd Begs zamozzog •suatrl •p •zapua- &q platl sputa fug zamozzog op puma/ iipdttozd imp JOpua- ;uauinzlsul'liznoas sup Aq paznoas stuns fp jo IIn3 ut luatthied uodn •sptataSud iijgpuotu zT imp azoui ou uT pnq `ydsa i glum aouepz000e ut buatogap alp do arm 01 bessaoau unto= alp zapua- 01 Iced oris zamozz0g pue Vas-au Sgpaztnbaz se Jamofog ijtlou Rugs Japua- `VdSg)l zapunpaugap sg `mozosa ui plal spund jo Souapgap g stamp 3l •sluauuSud Sltpuouz ZT ug111 azoui ou ti Inq VdSg2T lltm aougpz000g ut aBelzogs alp do arm of Szgssaoau;unouie alp Japua- 0f di1d Weis zamozzog pug `ydsau Agpazinbaz se zam0z1011 Ii311ou pegs Japua- `ddsall zapun p0ugap se 'mama ut plarf spund 3o a2upotis a sia /alp Jl 'ddS32I 1pimaougpz000e TIT spun] ssaoxa amp z0JJOMOJJ011 03 pun000g Begs Japua- `vdsau zapun paugap Si `m0z3s0 ut plag spund 3o snldzns a st azagp 31 �dSg2I Sq pa/tuba/ sr spund alp jo Butlun000g Ignuue ue `aBzgtp Ino `Jamozzog o1 aniB Ilels zapua- .spund alp uo mud aq ITggs lsazalut letp `Janamog `Bulpt1m ut aa1B1 Ugo Japua- pue zamozzog .spund alp uo sButuzga JO;sazalut SUE zamozzog pied olpaztuba/ oq Timis zapua- ‘spund all uo piled oq o; lsazaluuso/tuba/ min algeagddy so Buul!J ut apgtu spuatuaa1BR ue ssajun •aBii ip g lions a)Tgui of Japua- spituad me-I Olggogdd 7 pue spund ale; uo lsazalut zamozzog spied Japua- ssajun `Satan mozosg amp &utA31zan zo `pun000e mozosa OLD BuizSpeue iItenuue `spund all 2u1Sidd t pure Butploq zo3 zamozzog agrutp lot Ilgls zapua- 'ddsgU zapun pay aunp all mill /am ou suuall moJOSg alp Ard of spund all iilddii ITT zapua' '3Iugg Ugo- 0111o1-1 Tgz0p9,3 SUE UT JO (paznsut os aze spisodap asogm uopnppsut ue st zapua- 3T `zapua- Butpnptt) Liltpua Jo `Algg1uautnzpsul `SouaBe Tgzapaj i paznsui aJe spisodap asolm uopnlipsui ule ut plati aq IIe11s spund aq,L mg'I alggoilddy Tim aotgpz000g ut asimzagpo Jo stW011 m0JOSg azn;tt3 3o saznptpuadxa 3o salguulsa algeuoseai pule g;ep Itazzno jo susgq alp uo anp spund jo lunotie alp aletztlsa Timis zapua- •YdSg2I Japun aztnbai ueo Japual g punotue tununxetu alp paaoxa o1 lot (q) pug `ddsg j zapun pagtoads amp ale; ;g spur alp STddg 01 zapua- ;ttuzad op luap!Jns (e) lunoutg ug tt spund plot pug mum 'map Sur pg 'Amu zapua- uotloas sop Japan paJtnbaz uagl ale rip `slunotue lions ut pug `spund fl zapua- 01 /Cud Hugs 1 M0110g `totpoonaz Bons uodn `pue Si uotloas glum aougp /03 ut uan12 0090u g tiq atutp SUE 1E stztall M0J35g HE Jo &ug 01 SE Jantmm all 040A01 Sett zapua- •lunotit? gons Sug zapua- of Sudoz 01 6 uotloas Japan po;eStlgo aq not p ous Jamoz.0g pup punoute gons /igd pug 6 uotloas Japan sup./ 541 asp/0x° ,feui zapua-I `uxapl mama ug Jo3 anp lunotig amp 1igd of sLigj JamoJZ0g pue `JOATEM a op luensznd `Swaztp small mozosg /igd 03 potg2uqo si zamozz0 3I '6 uotloas tut posn st „Iu0tuaaJBg pug luguanoo„ asgzgd all sg `luauunzlsul Altznoas sop utpautgluooluautaa1Bh pug pumuanoo a aq of pauuaap oq sasodznd T Jol TTg11s sldTaoaz optnozd 04 pug sluauuSrd lions arm of uoupgBtlgo s '0zmb0J ,iguu Japua- sr pouad auiip lions ui :ptm luauided tens Supuapina sld1OOa1 zapua- of 11siuzn3 TTggs `saitnbazzapua- 3i `pug zapua -'iq pantemuaaq sgl spun] jo;uatuged lotlm zoj small mozosg tine z0j onp 9 8� 6 f i 450 28'1 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, earthquakesand 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 /oral 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 requiredby 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 restorationperiod, 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 restorationin a single payment or in a series of progress payments as the work is completed. Unless an agreementis 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 MFWY7770 (11 /00) 041- 239180 -7 6A(WY) (0005).01 Page 6 of 15 Initial Form 3051 1 /01 L0 /L L9oE WAod 881 1I r; 5 L Jo L *Bed aigeuosga1 Suited (o) pug `.Imoa ut Suileaddg (q) `.luaiun13su1 *inns stv3 nano ditzoud seq golgm uaq a (q pamaas sums /ue SuiSgd (g) :oI paltmq Iou azg Inq `apniaur ugo suoilog s,zapua7 •Alsadozd alp Suun dazzo /pug Suunaas pug %lzadosd aqI jo amen aqI Sutssassgzo /pug Supaaloid Sutpniout `luaturuisui ii1lmaas step zapun slq u pug Alsadozd atp ui Isamu! s,lapua-1 loalozd oI 03gt1dozdde so aigguosgas si zanalecm so3 iced pug op dear zapua-i limp %Izadozd aglpauopuggg se!" zaMOzzog (o) zo `(suopein$az 10 SMUT 03z03110 O) IO luaiun13S11i *moos Srgl IOAO Aluoud un?lle dear ganim uaq a 30 Iuauia3.103ua 103 `alnitapo3 zouoi3euurapuoo zo3 `a3egosd `Saldnniueq ui Suipaaoozd g se 1(ans) Iuaumzlsui Allmon lip zapun slgpuzo /pue AIzadozd alp ui Isazalui s,sapua -i 1oa33e ApueaTJiuSis lg2tui Teti) S gpaaaosd ION a si azal3 (q) `3uaurnzlsui *unaas stgl umP0umiuoasluauraazSg pug sluguanoa alp uisojzad oI silej sawing (g) 11 'luaiunalsui *flogs sun Japan slyStg pug ,f3Jadoad aqI ui 3saaa3ui s,Japuari ;o uoilaaload •6 •aouaplsaz iediouud s,zamozsog se klzadozd alp jo Aouednaao s,zamozzog Sutunauoasuoprluasazdaz `ol pa3lmii lots azg Inq `apniauisuotleluasazdaz ietzaleyAi •ueo-i all vptm uopoauuoo 111 (uopeuuojut ieizalgur 1(3im zapua-1 aptnozd o3 paitg3 1o) zapua-i olsluauialeis 10 uoipuuojuialeznaaeu1 `S111pe0isItu `asie3 Sitetzaleui aneS 3uasuoo so a2paimots4 s,zamozzog v3tnm zo samossog JO uopoasip alp 3g Sutlag sappua s0 suoszad (ire so zamoszog `ssaaosd uopgogdde ueo-i aqI Suimp `3t lingpap ut a1( iigcs JOMOSZOg •uoi2eafddd ugol s,Ja4 OaJoq •g •asneo aigguoseaz cans 2ut(3iaads uopaadsut zoualui ue cans of zoud .io 3O auiti aqI ig aot2ou zamossog an12 pegs sapuarl Ilzadosd alp uo smatuanosduri alp 3o zoua3ul aql Ioadsur Sum zapuari `asneaaigeuosgaz seq It ji %lladozd alp jo suotloadsut pug uodn soul= aigeuoseaz aAewr keum luau si! 10 zapual •uo1Ie1035a1 ziedaz vans jo uotlaiduioo a1(l 103 uotllStigo s,zam0zzog 3o panatpa1 Iou Si zamozz0H `Alladozd aq3 0101saz 10 ziedaz oI luapujns 3ou aze spaaaozduoilguutapuoa zo aauemsut aqI 3i •pa3aidutoa si vom aql se s3uauzkgd ssal2osd 3o salsas a tsi 10 I11auuied a -Sums g uluopezo3sa1 pug sgtedaz aqI zojspaaoozd aszngstp /igui zapuarl •sasodmd cans zo3 spaaaozd paseaiaz m1 .101)1E71 31 /quo Msadozd alp Sutzolsas s0 Suuledaz zo3 aigisuodsaz aq pegs samoss0g `X310dozd alp `3o Suppl alp so `03 aSeurgp 1(31m uoipauuoo ui pied aze spaaoozduoileuutapuoo zo 0ouelnsui 31 •aSeump 1011opezoizal0p zavl1n3 prone 03 pageurep 3t £3zadosd aqI ziedaz Spdwold Hulls zamossog `aigisga3 teoiruouooa lots si uoi3e103saz zo ziedaz 1111(1 S uoiloas o3 luensznd pauiuizalap si li ssaiun •uotltpuoa Si! 03 anp amen ut 211ise0loap 10 S11t3es0ua30p 1110z3 41ad0sd ail MAORI 01 10p10 ui iilsad0zd alp ure311ie11r Keys zam011Og %310d01d 01(3 ut Suiplsaz si zamozz0g 3011 JO zal1alm �ilzado1d 01(3 110 03se■ Il11rur03 so 03e101101013 03 A3zad01d 013 mope `%iplatiosd gyp ziedurt 10 0 11W11p `X013sap lots HMIs lamozzog •suoiloadsui :4Jadoad alp 3o uotlaa3oad pug aaugua3uigy%i `uot3gnJasaad •L •ios)uoa s,1amossog puoiiaq 0111 golvm 3s!xa saouelsarnazpa 2ut3gnua3xa ssaiun z0 `ptaggpim sigeuosgalun aq 3ou hugs Iuasuoa lalgm `Sup11 ut saa121 astmza1(30 zapua' ssaiun %ouednaao 3o amp a1(1 zalJ1 semi auo Twat Ie 10j aauaptsaz iedioutzd s,zamo11og se £110do1d am &dnaoo 03 anuguoa fegs pug 3uautnz3sul iilpnaas 5i113 jo uotlnaaxa aq1 za �Je &fep 09 unpin =appal iedtauud s,zamoszog se AIzadosd alp asn pug `gstigelsa `,idnaao hugs 10M011og •Sauednaa0 •9 •anp 11x11 10 1ag3agm luaurnl1sui Sipnoas 51133 JO 01°MI alp zapun ptedun swum= ,led o3 JO A31adozd 0.103501 JO zied01 01101(110 spaaoozd aougmsui alp asn Agin sapua1 110dosd all 3o 02111an03 ail) 03 aiggogdde an 5311$11 cans se 111305111 %Izadosd x1(3 Suuanoa satogod aougznsut 1i11 zapun (zamossog (q pled sumpnasd pau1ea11n 3o pumps (u1( 01 313211 alp 1111 sav3o) 5113$11 s,lamozzog 30 1a1(3o Niue (q) pug `luatun13sui dilmoas 51 33 10 MOM 0131 zapun pmdun sluno11re all pa0axa 01 lots 3unouie 1111 113 spaaoosd aaue1n5u1 Niue of s3g211 s,zamossog (e) Japing 01 su2r5se ,igazav IOMOlzog `asInua1Io 10 zZ uoilooS zapun (Isado1d am 501111133g sapua-i 31 10 3u0A0 sallr0 111 •11an12 si aat3ou 0131 uagm u1Saq i3TM polzad P -0£ a1(y •uneio alp 0333as pUe 01113302011 Sum 1apUOr111av1 `iuieia a 0p1as 01 'maw seq 10izre0 0aue1115ui 01(31111(1 zapua-1 11x013 aai3o11 a 03 &cup 0£ ulg3rm puodsa13011 saop 10M0110g 31 51013gur palgi0s pug tamp aougmsul aigeitene Aug 0333as p11e 01epo2au 'am Amu zopua' `Alzado1d all suopuegg 10M011og 1I •Z 11o13oas ut 103 paptnozd zapzo alp ut palidde aq 11111(5 spaaaosdaaueznsut 1(ans •10MO110g 01 pied `Sue Ji `ssaoxa a1(I Lo•t5000) (AM)v9 ®CZ L (00 /ii) OLUXIALW 1 00 t CI a'.- 0 �7► ya. MFWY7770 (11/00) 041 239180 -7 6A)WY) (0005).01 Page 8 of 15 Initials: 452 289 attorneys' fees to protectits interest in the Property and /orrights 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 Insuranceas a condition of making the Loan, Borrower shall pay the premiumsrequiredto maintain the Mortgage Insurancein effect. If, for any reason, the Mortgage Insurance coverage requiredby 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 designatedpayments 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 requirementfor Mortgage Insurance ends in accordancewith any written agreementbetween Borrower and Lender providing for such terminationor until terminationis requiredby 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 agreementswith 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 agreementsmay 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 characterizedas) 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. Form 3051 1/0 1 0 r LO /L LSO; Wioj 61, to 6 .694 io•(SOOO) (AM)V9 L (00/T 1) OLLLAAAZINi •Z uoipas ui zo3 papinozd saps() a p u! pagdde aq gets Sit dold alp jo sodas so uoilesolsaz oI pagddi lou ale Iet1 spaanola snoau11gaosij& •zapua -j o1 pod aq llgjs pug pauilissu Sgazaq ale Alzadozd au; u! Isamu! s pug- joluguureduIT gip olaigeinqullg ale 111tp sa$euuep zoj unep 10 plume Niue jo spaaoozd atu •luaum115ui Sumnas sip Japan sups JO ilJadold alp ut lsazalin mapua-1 jo luauutudulu lozalguu zatlo JO Spodosd gip jo alnitjzo3 sapnpasd 'Iuatuapnf s,zapua7 ut 'lutgl 2ugnz u gITM passgutsip aq oI2uipaa3o1d J0 11o93e 0111 Bulsnun Sq '61 uoipas ui papinozd se alulsuuaz `pazznnpo suiuorosapoo11 3i `pug ipirjap a !ions amp ueO Jamossog •lu0tm11sui !chin °as sip Japan s1Az Jo klladozd 0q1 to panics! s,lopuai jo luatusoduu miaow zatpo Jo S11adold gip jo amli3Joj to linsaz pino3 'Iuaw pnf mapuaj u! 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Iipadold all 3I •lopua-1 01 pod aq guts pure 01 pau21ss11 /Nasal ale spa03ozd sno0u11goosL} gy •aan ;iajJod :spaaaoad snoauuella3smi jo ;uauluugssy •11 •aol ;emuua; Jo not ;ella3nea gans jo amp ay; ;e paUJeaan aaaM ;eq; suIn!taaad aaueansuj a2e2JoyQ Ani jo punjaa e anla3aJ o; ao /puue qlleat;euco ;nu pa ;ealuuJa; aaueansuj ageg;Jol\I 0113 aneq o; 'aaueansuj 92e23JOyAI ay; 3o aol ;11lia3us3 ale ;qo pug ;sanba. o; '50ansol3slp tie ;aaa awn.' o; ;ggla 0113 apnpuq feu! s;g2p asa11Z •,Nel 191130 Sae Jo g66i 30 ;old Uoi3aa ;pad saaw+oauuoj3 a11; Japan aaueansuj a2e2laoj,J aq; 03 ;3adsaa tow Efae 3l seq JanoJJOg 61g2!J aq; ;nape ;ou not s ;uamuaaa2u gans £fmy (q) r—: 4 e 3 .1 f 11ti, V.► i 087 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortizationof the sums securedby this Security Instrumentgrantedby Lender to Borrower or any Successor in Interest of Borrower shall not operateto release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commenceproceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortizationof the sums securedby this Security Instrumentby reason of any demandmadeby the original Borrower or any Successors in Interest of Borrower. Any forbearanceby 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 Instrumentin 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 Instrumentunless 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 Instrumentto charge a specific fee to Borrower shall not be construedas 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 interpretedso 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 permittedlimit; 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 Instrumentshall be deemedto 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 Instrumentis also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. MFWY7770 (11 /00) 041 239180 -7 412)®6A(WY) (0005).01 Page 10 of 15 291 454 Form 3051 1/01 L0 /L L90£ WJod 6 5 L 4 t L 06ed Lo•ie000) (AMlb9 L 08I6£Z (00 /Ii) OLLLARsAANi ydsa2I uoiaeutzoj z01110 Sup pup apeui aq pings sivatuXed gpugm of ssazppe alp `Jaalmas upo-i man 0111 jo ssazppe pup aunt aql 01g3s II?m gatum aSugga alp jo 0atpou ualipm uan15 aq liTm zamo1JOg `Jao!AJas npo-i aga JO a511g113 p Si amyl 3i •a3oN aga jo ales a oipa3plazun Jaalmas ugo-i alp jo sa2ue p azotn Jo auo air lg2tuu osp aza11y .nip -1 alggailddy pug `3uauinzjsui Jill /nags sup `aloN alp zapun suotpeSilgo &ulaInxas mot a�e23JOtt zag)o stuojz0d pug 3uatunz3sui 'i1imaas sign pug al°N alp Japun anp s3uauiSed aipoizad slaalloa 3etp „Jaotnzas ueo-i„ aip se umonnl) Slt3ua 0111 to ague p p uT tins= lift”' ores y •Jamoizbg o3 aogou zotzd 3notptm salt!) glow Jo auo plos aq ueo (3u0un11suj dpimmas sup g3tm zaipa2m) a3oN 0113 ut 3saza3ut letped p zo apoN airy •aaugnala0 3o aai;oN :aaainaas ugo'I 3o a$uego fa ;oN jo aigs 'OZ •gi uopaas Japun uoi3ezapaag jo aspa 0111 ui dldde lot oils a3e)suta1 o1 111 LI SR[ `zanam0}-1 •pazznoao pryuopunp331 ou 3t se an93033a Iii1L311Tptta1 llpgs Agazaypamaas suopr2Hqo puppuatunzjsui dliznaas sell `JOMOIJOg iigtaauta3pisutazuodn •zaJsupzj spund aiuozlaalg (p) Jo :Sit3ua Jo S3ile3uauimijsun `SauaSe 1pzapaj a Sq pamsut aJp slisodap asogm uopnlpsut ue uodn umezp si paga lions &ue papinozd `lamp s,Jaigsea Jo ppa11a s,Jaznseaz3 Voila 3lugq 'pap poTJt3z0o (a) !zapzo Sauola (q) `.11spa (p) :Japua'i pa3aalas se `suuoj 2ulmoT1o3 alp 3o atom zo auo uT sasuadxa pue suinsluauza3elsutaz gaps pied Jamozzog imp azmbaz Seuuzopuari •paSuegaun anuTpuoa pegs `3uatunz3sui S3tmaas sup &gpaznaas sums alp Srd o1 uoT3eS!!go s,zamozzog pug `luatunzlsui S3iznaas sup zapun s3g2TJ pue SlJadoid atp ut 3saza3tn s,zapua-j 3pg3 aznsse o1 azmbax Lilgpuospa1 Mew Japua -i sr uotpi lions salg1 (p) pug :luatunilsui £3Tmaas Sup Joplin sup.' pug aqp ui 3saza3111 s,Japuari &uilaaiozd jo asodxnd atp zoj pazm3Ui saa3 Jaip0 pue `saa3 uopenlen pug uofaadsui Slzadozd `saaj ,sSauzo33e algpuosgaz `ol pa1tunl 3011 pnq &utpnpui `luautnilsui k3tznaas sup 2upzojua ui pazmaut sasuadxa llg sSgd (a) `.s3uatuaoag Jo 9treuan00 J0111O SUE 30 31npjap fug saxna (q) `.pazmaao pequoilezalaaae ou 3T se a10N 0113 pug3uatuu13sui Slunaas sup Japnn anp aq pinom nag) IpTgm sums fe Japua-i sSpd (p) =mama imp axe suoi3Tpuoa asoq,i, •luatinJ3sui Lilunaas sup 2utazoJua 311auu2pnf p 30 Lima (a) x0 `.aIe3s11T3J of 111211 s,z3MOZZOg 3o 110T1guttua3 alp zoj Ljtaads 3112iw /Awl algp3T1ddy se pouad Jagpo irons (q) `.juatmh3sui Simms sup uipainp3uoa ales Jo zamod Sur of lupnsmd filmdom alp jo ales azojaq &ipp any (e) :3o lsagzea aga o1 Jotzd aunt ,iue 3p panut uoasTp 3uatun13sUi d3Tmaas 51g3 jo luatuaaz03ua aneq o3 3gpu 0111 0AM( hags Jamozzog `su0pipn00 ure3z03 swam zamozzog ai •uol;gaaiaooy as w a ;g ;sup o; 1g3R1 s,aauoaaog '61 *I0MOJxog uo puetuap zo =pair zag 3noglim )uaumz1sui SiTZnaas sup Sq pamtuad satpatuaz Sur gloat! Amu Japual `pouad sup jo uoile.ndxa alp 03 Joud stuns asatp /led o3 slte3 z0m0zz0g 3i X sup ,iq paznaas sums Hu !fed isntu J0m0110g g3Tgm unpin SI uopaas 11pTmaaurpz0aae 11T 11anT2 si 3311011 alp app alp ut0z3 &iep 0£ ueg3 ssal 3011 JO pouad a aprnozd pegs 03t3ou 01 J •uotpzapaoe jo a3T30u zamo1JOg 0ATS pegs Japua1 `uot3do sup sasi0z0x0 JapUa-i 3I algeoilddy Xq palTgIgozd si asT3JO3ta bans 3T Japua-i ,iq pastazaxa aq 3011 llpgs uotpdo sup 'Jana/wolf •111atmnz3sui *was sup £q pampas stuns llp jo ilnl ut mallard alpipaumr! gimbal Arm zapuo-i `3uasuoa ualltzm zoud s,zapua-1noglIm(paJZa;sunu3 zo plos stzamo1JOg 1113saza3u1 leTaT auaq a pug uoszadlpzn3pu p Sou si JOMOJJOg 3T Jo)paxza;sulll Jo plos st ii1Jado1d ag1 Tn3sazalui Niue Jo d3Jad0zd ag13O 3Jed clue zo Tle 31 •zasegpznd a o3 app amity ale Jamozzog app jo JaJsUez3 0111 st gpIgm jo maim alp `3uatu03ap mama Jo 3apz311oa sales luauu fIIsut `poop Joj 3a113110a `poop zoj puoq p uipaJJaJsu1J3 s3saza311i 1pt3IJauaq asog3 `03 poling 1011 lnq '2utpnput q3Jadozd alp xi! 3saxa3U1 1ppgauaq J0 j1 0( Niue sueatu 4 43zado1d 0113 ui 1saza3ui„ 'ST uopaas stg3 ui pasn sy •12u0aa011 m ;saaa3ul lgpgauag g .10 3aad0ad air; jo aajsuIuj •gj •luaunulsui *moos sup jo pug a1oN alp Jo Sdoo auo uani2 aq Heys .10M0.110$1 •,fdo3 s,aa toaaog •LI •uo13ap SUP 0)111) 03 uoi3e2ggo Sup 3n0g3Tm uogalasip al0s sang „4eut„ pzom gip (a) pug !ESJ0A 00tn pue 1pznld alp apnpu! pup team pegs Jgln211ts 0111 ut Spsom (q) `.Japua2 aututtuaj alp 3o spJOm Jo spzom za3na119uipuodsazzoa apnput pue ueatu Buys Jap1102 augnosuur 3111 jo spzom (g) :luatun13sui 'i31znaas sup in pasn sy •uotsTnozd 211ipail;11oa a111 lfloIpTM lama 11ant2 air tea gatgm a1oN 0111 Jo311attnz3sui *moos sup jo suotsinoJd Jag ;o 1aaJp Sou pegs 3at13uoa gaps `mp7 algpaTlddy tp!m 5331T311oa aaoN alp Jo ltiatunxasUJ £lTmaas sup jo asnpp Jo uotstnozd Niue 1eg3 3uana a113 ui •3a1J3uoa SgluatuaaJ2e 3s11tp2e uot3tqupid a sr panz3suoa aq 1011 imp aaualts lions 3nq `111alis aq 3112tut 1! Jo 3apx31103 aaz2e o3 sapmd 0111 moue Spp1ldun Jo iipTagdxa 1112!W me-i algpogddy mp-i algeatlddy jo suoi3e31W1( pue s3uatu0ztnba1 Niue o3 3aa[gns 0111 puauinz3sui S3jznoas sup ut pautp1uoa suotpe2ilgo pue 514211 lly •p03e301 sT filmdom alp gamin uT uopatpsiznf alp 3o mel ag1 lour me! 3eiapaj ,iq pauzano2 aq !pits 311atutu1sui ii3T. si11 •uol ;ana;suoD 3o saing :/f;lliggaanas :,neg 5u1uaanoO '9i e, .1P. r 0 vitet,) b4� Off, l)8 %JO.. 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 transferredto 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 Instrumentor that alleges that the other party has breachedany 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 EnvironmentalLaw 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 EnvironmentalLaw; 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 threatento release any HazardousSubstances, 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 EnvironmentalCondition, 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 EnvironmentalCondition, 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 HazardousSubstance 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 HazardousSubstance 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. MFWY7770 (11/00) 041- 239180 -7 at-6A (WY) 100051.01 Page 12 of 16 Initials: g• lit)• 456 293 Form 3051 1/01 L0 /L L90g wind 17 6 �e :BMW SL)aeLeeed Loieo0o) (AM)V9 L 08i6£Z X00 /Ii) OLLLAMMAI ImmoSm jo smul uoiadmaxa pea ;sauiou gip jo anulA Sq pus zapun s ;ij u lls saelum pug sasealaz zamozzog •saaelgt •pZ ms7 algeogddy zapun pa ;mound st aaj oip jo gulgzggo aq; puepazapuaz sao:ezas zo3 ivied piup s oa pnd sr aa3 alp 3! Apo ;nq `;uaumz;sul Alunoas siq; Sulsgalaz in aa3 g zamozzog OSn ip Sum zapua -I •s ;soo uoggpzoaaz Niue Aud Ilugs zamozzog ;uaumz ;sul A;tznoas sigaasualaz Ilggszapua-I` ;uatunzasul filpnoas siq; &gpaznaas sums llu 3o ;uamkeduodn •asealag •£Z pal ;pua Sllugal suosaad ao uosaad aq; o; ssaaxa Sue (a) pun ;uawna ;sul Sllanaas slq; paanaas scans Ile o; (q) :saa3 ,s,fauao; ;e algeuoseaa `o; pa ;lwll ;ou ;nq `gulpnlaul `alas aq; jo sasuadxa lle 01 (g) :aapao gulewollo3 ag; ul palldde aq pegs ales aq; jo spaaaoad aqy *ales Sue ;e Spadoad aq; asegaand few aauglsap s ;I ao aapua' *Awl alggallddy paglaasaad aauunw aq; ul Nos aq putts Spadoad aq; pun `alas jo aapou alp gsllgnd pegs aapua' •sj uol ;aas tit papleoad aauunw aq; ul aauoaaog o; alas aq; jo aapou amS pugs aapua-1 *mei algealldd' q ;let aauepaoaan tit *maw 3l `,Uaadoad aq; jo uolssassod ul uosaad aq; 03 pun aanoaaog 03 asolaaao3 0; maw! 3o aagou aelg pegs aapua'l `alas jo aanod aq; saKoeul aapuarl 3I •aauaplea al ;l; jo s;soa pun saa3 ,sSauao ;n algeuosnaa `0; pa ;}call ;ou jug `gulpnlaul `ZZ uol ;aas s[q; ul papleoad salpawaa aq; gulnsand tit paaanaul sasuadxa IIe papa o; pappua aq pegs aapua7 •,►tw alquallddy pa ;;lwaad salpawaa aaq ;o fun pun alas jo aauod aq; alloeul 'Cum pun puntuap aaq n3 ;noq ;lti 3uawna;sul S;lamas slip ,fq paanaas stuns llg 30 lln3 ul maraud a;elpawwl aalnbaa few uopdo s ;l ;n Japan `aal ;ou aq; ul pap pads a;ep aq; aao ;aq ao uo paana ;ou sl ;Ing3ap aq; 3l •ales pun uopeaalaaae o; aanoaaog jo asuajap aa ;o fun ao pima') e jo aaua;spea -uou alp passe 03 uol ;oe janoa o Sulaq 0; ;gala aq; pug uol;eaalaaag Jape a ;g ;sulaa o; ;gala alp 3o aauoaaog uUojul aaq;af3 pegs aal ;ou aq •/f;aadoad aq; jo ales pun ;uawna ;sul Smarms slq; paanaas scans aq; jo uol ;eaalaaan ul ;Insaa Sew aal;ou aq; tit pappads app aq; aaojaq ao uo ;Ing3ap aq; aana o; amine' ;eq; (p) pug :Emma aq ;snw ;Ing3ap aq; ga[gm Aq `aanoaaog o; uaelg sl aal;ou aq; awl) aq3 moat anp p£ ueq; ssal ;ou :'amp a (a) ;Ing3ap aq; aana o; paalnbaa uopan aq; (q) ;Ing3ap aq; (e) :S3laads Ilggs aal ;ou aqj •(asuMaaq ;o sapleoad ,ugZ atquallddyssalun gj uol ;aas aapun uol ;naalaaag 03 aotad ;ou ;nq) ;uawna;sul ,C;Ianaas spp ul ;uawaaage ao ;uguaeoa ,dun 3o gamic( s,aauoaaog 2 uletollo3 uol ;naalaaag o; amid aaMOaaog o; aapou aelg pegs aapua•l •salpawag :uol ;eaalaaay •ZZ :smollo3 Sr aazgu puu ;uguaeoa zagaz11jzapua7 puu zamozzog •S.LNVN3AOOYARIOdINfl-NON e .11101 r.,e Witnesses: MFWY7770 (11/00) 041 239180 -7 A(10-6 (WY) (0005).01 458 29 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. -11.-t 7 O ilt.E0 2/ (Seal) LESLIE N WILKINS Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Page 14 of 15 Form 3051 1/01 Li 4 g21 .r. 'u 0s'i i6 STATE OF WYOMING, The foregoing instrument was acknowledged before me this by i tdd LESLIE N WILKINS, A SINGLE PERSON My Commission Expires: d/ D My Commission Expires: MFWY7770 (11/00) 041 239180 -7 ®6A(WY) (0005).01 Page 1 5 of 1 5 February 26, 459 Notary Public Notary Public 296 County ss: Lincoln 2001 Form 3051 1/01