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Home My WebLink About87254610/4 490E wnoA HJ;IM awl cuivesnx mvxd z XUNiHS an =aria d autamas Sf oato.uog (g) 'CdO� 'sq nit3a�rPate s loaurnoop slat oI siapf2l Be Nom inuta5ot P I �aft1M `tuaunoop sf41 suauu „2uawnJ$uj #Wnaag1i (11 p are Iuaulnoop mil ul pen spaom to aflssn arp gufp,s9aa s, nr u►st�a 91 uoq. s nl pool/told oefe of p ujap aae sptoM lotpo pue MOlOCl poufl'p aae )uoulnoop am do I ua toast d t nu l f I E oaS i f l U putt s�gM Ldleq ifurpaoa t ao,,4 arrn spu, aeoyd 03res1 9NIIAIQ,lM `1J3?.13111Y73)1 i7 :"Z, r °fir 9" title+/ 10 »k3io A f_Nnoo 1 loONf 03AI,13 its 7 5 z 3DVd Id 9V100H `atiao41/7113 yid 2.LYsS Pau JO Snug ;T.9 upon 8upslxa pus paiftruSio NOIST?IOd1100 s st aapurl an Bfl ZxON aoH aniva WxrI M sl iaPuoin (3) 'tuatzitunul Alfinaas Spit noun ao8sTt,Iotu oqt sl iannoi.toa tetL. Z2(00e). swtiOd noti4amow dlvn 9 R In l abed ts000l (Am)s -lo 1NdWDtl1SNl INUOdINr1 DEW alPPsJd/8eW aIuued.Al,Wej olaulS-DNIWOAM a0V01,1101A1 9fi ZL8 SNOLLINIeli3Cl 0Q00'10t69 IIM Intli140 MIDIOQ 6 T 6 T bizn '2oveatom MOH opuya sTIRM :4$ pawdaxd B£bS5 lee 'DTO,LDNTROO•rg 0o eiLZIIS '!i(t ILLOSEINXFI I09£ DUI gimMIXOP1 MOH 0flirr$ 9'I'4M :off, uauaaH 08t:66i6 08745LIG Lender's address is P .O. Sox 5137, DRS MOINES, IA 503068137 Lender is the mortgagee under this Security Instrument. (1)) "Note" means the promissory note signed by Borrower and dated APRIL 02, 2001 The Note states that Borrower owes Lender SIXTY FOUR 'IHOtR3AND THREE RUNDnED AND 00/100 (U,S, 64 3 00.00 Dollars plus I nterest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than APRXL 01, 2011 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property.'' (I) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late char es due under the Note, and all suns duce under this Security Instrument plus interest. B (0) "Riders" means all Riders to this Security Instrument that are executed by Borrower., The following Rioters are to he executed by Borrower [check box as applicable;]: Adjustable Rate Rider Condominium Rider Balloon Rider Planned Unit Development hider VA Rider _1 Biweekly Payment Rider CII tacos) 2 of 15 Second Home Rider 1.4 Family Rider Other(s) [specify) (4-3 253 (H) "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. (I) "Community Association Due, Fees, and Assessments" mains all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or slimier organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instnuncnt, computer, or magnetic rape 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. (IC) "Escrow Items" means those items that are described in Section 3. (14) "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 (1) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount duo for (i) principal and interest under the Note, plus (11) any amounts wader Section 3 of this Security Instrument. (0) "RFSPA" means the Real lvstate 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 tine:, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RBSPA" refers to all requirements and restrictions that arc imposed in regard to a "federally related mortgage Loan" even if the Loan does not qualify as a "federally related mortgage loan" under RLSPA. Pam 3051 1/01 LOIL •50E WJOJ V5 9 L ;o aged sup io aloN au; iapun luauaud se Japual kg panuaoaz luaucnzisuu iajio .io vow kuu 3! `zanaMol-I •/Couazzno S n u apuuc aq pugs luaucnzlsul klunoaS sup pug a1oN a!1 iapun anp sivawked uopoaS of luunsznd small mama zo3 spun] /Cud oslu Iieis z0M0110g •a1oN a!1 iapun anp saSmugo 01144 puu saaiego luauciiedazd SUE puu a1oN alp paouaptna lgap 0qi `uo lsaialui pue '3o ludtouud 0141 anp uagm /Cud ]lugs zasozzog •sa2iugD awl puu 'sa2augD ;uaudedaad 'swan ntoapsg ;sacra ;uI 'ludtputad jo ;uaui,fud 'T :snnolioj se aaae pue lueuanoo zapuai puu .iannouog •S.LNVN3AOD N' IO1INf1 /ivadozd lei Ouuanoo luatunzisut i(lunoas uuoJiun E ainliisuoo 01 uouloupsunf .iq suotieuen palluc!! !uM slueuanoo uuojiun -uou puu asn luuopuu zo3 slueuanoo uuoJlun sauugtuoo .LNglAlf12I.LSNI A.LI1If1OgS SIH.L •pzooaz jo saouezgtunoua Aug Ol loafgns `spueulap pug sunup I1 lsutug kindoid all 01 0I1!1 a!1 Allezau05 puajap ]icon pue sluu1Ium zasonog p.zooaz jo saouezqutnoua zoj idaoxa `pazaqucnouaun sc kuadozd aq1 114 puu kuadozd a!1 kanu0O pug 1ueI2 `a2g2uoul o1 1g;Iu 0qi seq pug pa,ianuoo kgamq aluisa 0141 jo psis ,(Ilnjmul st zamozzog le SINVN3AOD 2IgMO'11IO I „•Auadozd„ 0141 su luaumzlsul iillznaaS sup ut 01 pazzajaz su 2ulo2azoj 0141 3o !Ty •luaucculsul IlunoaS sup pazanoo aq osig imp suonlppe pug sluauzaovidaz IIH •Suadozd a!3 jo uud a zaljeazal zo Mou puu `saouguaundde `sluautasea Ile pug `,Cuadozd 0141 uo pap= z013eazal .10 Mou sluatuanozduct 0141 „ssalppy Suadozd [aPoD d!Z] T 0 T E 8 5unuo,iM ['140] 2iH2iHYNYIH?I Polls] HAI2ta NHSNHAOS £00T jo ssazppe 0141 se! ,illuazzno !pugs :zaqumN QI Iaozed LETS90£0S VI 'SHNION SHQ 'LETS XOS 0 d DNI HDYDSt1OW HROH OD?IY3 S'I'IHM a OS d.NHS HR Q'IllOHS SJ.NHNHSKSS XYS JOHITHHs SY'Id TiIOIJ O HMI NO aasillosza SY DNII4OXM 'XSBMf10O N'IOaNI'I '2IH?IHNKHH JO NMOS HMI OS NOISIAIQSf1S OHIH.L SSHDIHH W1OONI`I HMI .3O T HOO'IS AO S [uono!psunf 8u!plooau Jo auiex] [uopo!psunf 8u!paooag ;o ad,CZ] N'IOONI'I JO AMMO 0 141 ul paleool kuadozd paquosap $uumolloj all `ales 3o zaMOd 111& `su21sse pue szossaoons s,zapua-I puu zapuag 01 iCanuoo pug 1uRJ2 `a2e2uotu Sgazaq saop IaMOZIOg `asodznd sup .103 •010N alp pug Iuaumzlsul iilunoa5 sup zapun sluauiaaz$u pug siueuanoo s,zaMozzog 3o aouguuojzad aq1 (II) pue .a1oN a!1 3o suopupgupom pug suotsualxa `sluMauaz I]e pug `ueo'l 0141 Jo lualukudaz all (u) :zapua7 01 saznoas luaunulsul AlunoaS still, •luaunulsul iClunoaS sup zoipue aloN a!1 zapun suoule3llgo s,zaMOZZOg paucnssg suq Ailed lull mu zo zallagM `,Cuodozd all 01 aj1I1 seq lull iCued /Cue sum! „aaMo.uog Jo ;saga ;uI ui aossaaanS„ (d) Is000l (AM)9 (12) Hu HIIM ?IgH.LgOO,L A.L'IgdO'Id gHI NI S.LHDI'I dO 2Ig3SNt�2I L Stn( erso 0872546 255 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 (SIP 6(WY) (0005) Page 4 of 15 NIP Form 3051 1/01 LOIL LSOE LWOI 5l to g eBed tg000t (AM19 atl WUTSJ11uapt aallOU E JOMOJJOg OAT Still 1 Ua'I `1uaulluisul CIUnoaS sell Jano 1C1IJO!Sd utg11E LEa tOUtM Uatl E o1 laafgns si A1Jadold ag13o .i d Sur 1E1(1 sautuualap Japua'l 3I •luatutinsul Aftmoas sup 01 uatl aq1 2ul1EUipJogns Japtiarl 01 r(iOlWE3s1ES luatuaadE uE uag at1 Jo Japjoq am wag sainoos (a) J0 :papnlauo9 air sgutpaaoold lions !pun Sitio lnq 'utpuad aJE s2uipaaooid asogl altJM imp am 3o luatuaOJO3ua agl luanaJd of aiEJado uotutdo s,Japua'l tit toigM sautpaaoo1d Iaal `U! mg am 3o 1UatuaOJO3ua 1sutE2E spuajap Jo 'At tptrj pool uj uaq alp sisaluoo (q) :1uamlaa1$E Bons 5utuuo3Jad st JOMOZiog sr 2uol os Aluo inq `Japua'l 01 alquldaoor JauuitU E tit uaij at1 Aq painoas uopapgo am jo luauiCEd atll o1 2uuuM ui saaw& (g) :iamoi.iog ssalun luatunJlsul A1pnoas sltl iano Sluoud srq toigM uajl Sur a irtostp Spdtuoid Arts JOMOJJOH uotloaS tit paptnoid JauuEUi aqf ut magi d IT JOMOJJOH small MOJOSg a.iE small asatf Imp luaixa am 01 Sur 3t `sluautssassd pUr `saag `sang uotlriOOSSy Si!unulaioa puu `Cur 3t `Auadoid alp uo qua.' pun0J5 Jo sluatuSed Notional luauinJlsul ,ilt.inoaS sttl Jano Sluoud uiEffw UgO gotgi Sl1adozd am 01 ajgrinqunr suopisodtuj pug 'saut `sag1Ego `sluatussassE `saxmf IIE /cEd Ilrgs Jam0n0g •suat1 :sanugp •p •Japua'l ,Cq plat spund Sur iaM0fl0g o1 punjaJ Sp:tumoid IIEgs Japua'l `1uaUtittlsul Altmoas stgf Aq painoas sums IF 3o jln3 ut luautSrd uodn •sluatuSEd Algluotu ZI trap aiotu ou u! Inq `ddSd2I t1iM aouEp.iooww ut Soualogap 0111 dn wit' 01 £IRSSaoau iunotur am Japua'l of /cud IIEgs JOM0fJ0g pug `VdSgfl ,(q paiinbai sr Jamo1log ICJTOu pegs Japua'l `ddSgg Japan paui sE `MOJOSO ui plat spun 3o Souatogap r 5! atom ji •sluattard I(jgfuotu Zi urg1 310U1 OU Ut Inq `VdSd2I t !m aourpJOOOE ui aSruogs am dn avtu 01 SJESSaoau lunotuE 0111 Japuarl 01 Sal pals JOMOJJOH pare `ddsgg Act pannbai sr JamOJJOg Ajpou IIEgs Japua'l 'VdSd2l Japan paui sE `MOJOSO ui Nat! spund 3o aE1J0gs E 5! aJag13I 'ddSg 1 glint aOUrp1000r tit spund Ssaoxa OW 103 JOM0110g of 1U11003E TINS Japua'l `ddS3?I Japan paugap sE 'mama ui pjat spund 3o snjdins E si atom n tddS l I �q paunbai sr spund am o 2upun000r IEnutm ur `021Eg3 inogltM `JOMOJJOH 01 ant$ IIEgs Japua7 •spund aq1 uo mud aq IIEgs Isaialut 1Egl `JanaMO1 `2upUM tit oat& tiro Japuaq pug JOMOJJOH •spund at1 uo alum= JO 1saJalui CUE 1 M0.JOg Srd of pa.itnbai aq lou Ilrgs Japua'l `spund agl uo pird aq 01 1Sa1alut sa.itnba.i me-1 algrotlddd 10 2ut1!M tit am' Si luatuaaaE ur ssalun •a2Jrto E lions a)IEtu O1 Japua'l S1TUL1ad ME1 algEOijddy puE spund aq1 uo Isazalu! Jamo1JOg s,CEd Japua-1 ssalun `sttiall MOIOSa atf 2u!Sjuan J0 lunOZOE Mo1OSa 0111 dujzAjEUE AIlEnuuE `spund agi 2utIClddE pUr .103 IOMOJJOH 021E113 fou pats Japua'l ddsd?I iapun pagioads au111 0141 IEgl JamE1 ou stualI Molosg aq1 ,(Ed Ol spund 0141 SflddE Timis Japua1 •}IuEg uEO'l atuoH IEJapad Cur tit J0 (pa.insut os alE slisodap mown uotlnitlsut uE Si Japua'l 33 `Japua'l 2utpnlout) iilllua 10 `SliJEfuatutulsut `Soua3E IE.Japa3 E palnsut 0.1E sltsodap asogM uotlnIUsut uE tit plat aq j1Egs spund ata ME'I algopddy tliM aouEpl000E uI asiMJat2O Jo Stua1I M01OSg alnln3 o Salnitpuadxa o salEtullsa alquosEa.i pug Elul) luaJJno Jo stsrq 0141 uo anp spund 3o lunoure o11 alEtutlsa pals .iapuarl ddSgg Japan aimba.i IEo Japual E lunoUJE tunuUxEUi 0141 paaOxa 01 lou (q) puE `VdS32I Japan pajjtoads amp am IE spun aq1 AlddE o1 Japua'l litUJad 01 fuaiOt!33ns (E) lunotIE are u1 spund plot puE ioalloo 'amp Aug re 'Sulu Japua-1 E uopoaS sup Japan poiinbai uatl alE 1Eg1 `slunotur lions tit puE `spund ilr Japua'l 01 Sul IIEgs JaMOJJOg `uopEOOnat tons uodn `puE SI uotloaS 11!M aOUEp1000r tit uanta a0tlou E tiq au1I1 SLUE 1E stuall mama IIE Jo CUE 01 SE IOATEM atli a)IonaJ iCE111 Japua'l •1unoUre ions Sur 1apua l 01 iiEda1 01 6 uopoaS Japan paiailgo aq uatf gals Jamouog par funotuE tons /ird puE 6 uopoaS Japan s1t$u 51! asjoiaxa Amu Japua'l `Mall MoJOSg UE Jo3 anp lunoure am Sal 01 spy JOMOJJOg puE `Jan!EM E 01 lUrnslnd 'Siloam) SIUOIl Molosg Ard 01 palEBtjgo si JaMOZZOg 3I •6 uotloaS tit pasn Si luatuaaaE puE 1UEUanoo„ aseJgd atl sr `luaturtusul A1iJnOaS sttl ui pautEluoO luatuaaaE pug luEUanoo E aq 01 paulaap aq sasodhnd IIE Jo3 pugs sidtaoai aptnoid o1 puE sluaui,CEd tons 331gtU 01 uopatlgo s,Jamo1JOg •ailnbai Amu Japua-1 sr poiJad aunt tons uitum luatuSrd tons 2utouapina sldtaoal Japua'l 01 gsiuJn3 pats `satinbai Japuo 4 3i `puE Japua'l Aq panrrm uaaq sEq spund 3o luatu ird tai4M Jo3 swan moiosg Sur Jo3 anp 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 C 6(WY) (0005) Page 5 of 15 Initials44 c A 25'1 Form 3051 1/01 1. 0 /1. LSOE WJOI aigeuoseai &ui,ied (o) pue :unoo uu guuradde (q) :luaunulsuj ,il stuff .iano ,Cluoud sett tOi jM uati a ,Cq parnoas sums Aug gutiCed (E) :o1 palrtuit lou are 1nq `apniaui ueo suopwe s,.zapual •,ivadord at1 guiiiedai io /pue guunoas pue `,Cuadord 311130 amen alp guissasse Jo /pue gupaal0rd guipnioui luaunulsuj ,Clunoas sup iapun pure Suadord attl ut lsaralui s,rapuaj loaiOrd o1 aleudo1dde 10 aigeuoseai si ranalEiM .io3 iced pue op Amu rapua- uagl `Auadoid agl pauopuege set ramouog (o) ro `(suoneingal 10 smei aOroJua 01 ro 1uaunuisul ,C1unaaS sup nano iiluoud utelle Amu opium uaq a jo luautaOJO3ua roj `arnlpjroj .10 uopeuurapuoo roj `alegotd `,Coldnrp.mq ui gutpaaaoid a se eons) luaunulsul ,iltrnoaS sup iapun sigku .to /pue ,Cuadord aq1 ui lsaralut s,rapual 13333E ,illueouiugis lggiuu imp guipaaaoid regal a st wall (q) luatunzlsui JilunOaS sill ui pauieluoo sluatuaarge pue slueuanoo 3111 uuojrad 01 sp ramorrog (g) 3I •luauunaisuj Awnaas spit aapun sig2ig pue ,Ci.zadoud alp ui isaaaluj mapua-j jo uotpaloud •6 •aauapisaa iedpuud s,ramonog se ,Cuodord 3111 jo buedn000 s,ramorrog guiuiaouoo suopeluasaidai '01 palituii 1ou are 1nq `apnioui suopeluasardar Ieualew ueo'I 041 g1!M uotlo0uuo0 ui (uopeuuojui reualetu g2P' rapua'1 apinord o1 paiiej .to) rapua7 01 sluatualels ro uopeuuojut ale.mooeul r0 `5uipeaisitu `asiej Aiieualetu aneg luasuoa r0 apaJMoU)I s,ram0fog 1411M r0 .1aMO.uog 3O uoiloazip 041 1E $uilae sOWlua 10 suOsrad ,ire 10 .10MO.uog `ssaooid uopeoiidde ueo' all gupnp `3i 1inejap ui aq pets .10M0.110g •uolleottddd ueoi manno.uog •g •asneo aigeuosear tans gupi3Tads uopoadsut roualui ue tans of .toad r0 JO Ou111 31111E aailou .10MO.J1og antg pegs rapua-I •Auadoid 3111 uo slitatuanordtut alp jo .toualui at1 13adsui Sum rapua-j `asnEO aigeuosear set 1! 3I •Auadord alp jo suoiloadsui pue uodn saulua atgeuosear aaieuU Sum wage sIt ro .rapuari •uot1E101sar 10 SledaI tuns jo uopaiduroo aq1 roj uo1iE2iigo s,r3M0rr0g JO panaiiar 1ou si 1OMOIJog `Xuadord at1 0101501 10 rredar o1 luaiOgjns 10U alE spaaoo.ud uopeutuapuo0 10 aOUErnsut at1 3I •palaidumoo s! )porn am se swam/cud ssa.rgotd jo sagas a ut JO luaur,iEd al &uis a u1 uoile.tolsa.0 pue sriedar aq1 roj spaaooid asrngsip Arm .tapuaZ •sasodind tpns roj spaaoord paseaiai set rapuai 3i ,Ciuo ,Suadord all guuolsar .10 guuieda.1 roj ajgisuodsar aq pegs .13M01.10g `filmdo.i am `3o grup(E1 am r0 `01 amp grim uoiloauuoo ui pied are spaaooud uopEUtuapuo0 JO aOUErnsut jI •aEUrEp 10 uoUeroualap ragun3 pione 01 page1UEp 3i ,SUadord aql .nedar iilldurord Timis ramouog `aigpsEaj (TEMW0UoOa 1ou si uot1Er01s0r r0 rtedar 1E41 S uopoaS 01 luEnsrnd pauituzalap si 1i mum •uotlipuOO s1! 01 anp amen ui 2utsear0ap 10 gup1rou0lap map ,SuadoJd agl luanard 01 rapr0 ut Auadord aq1 uIE3Utetu IIEts .13M0.110g `,Cuadord ag1 ui guipisaz st 10M0.110g 101I .10 ragla4M •,Cuadord ail uo alsEM 1111111103 r0 aleaoiaalap 01 ,ivadord 0q1 moue `,ivadord alp aiedtui r0 agEUrep ',Causal) loo begs 1aMOUOg •suoipadsuj :,fi.tadoad 041 3o uopaaloid pue aaueuaiuiey4i `uopunaasaJd •L 10111103 s,r0M0rr0g puo,iaq ale 4014M 12!x3 sa0UElstun0riO gutlenualxa ssajun ro `piaggl1M ,iigeuosearun aq 1ou pugs luasuoO 4O14M `gut1t1M ui saar$E asIMra4IO .tapua' ssaiun `Aouedn000 3o aim) a111 Jape rea,i auo loot 1e roj aouaptsar IEdpuud s,.1oMOZZOg se ,ivado1d alp ,idn000 01 anutluOO pugs pue luaumulsui ,iulnoaS sup 3o uoiln3axa aq1 ra13e s,Cep 09 uut11M a3uapisai iediouud s,ramorr0g se Auad0rd aril asn pue `tsiigelsa `,Cdn000 pegs .13MOI.10g •,fauedn0a0 •9 •anp uatl loo .101atpa4M luatutulsui ,ilun0OS sup 10 a3ON agl spun piedun wino= ,CEd 01 JO ivadord all a .10180.1 .10 .tiedaz 01 ratlia spaaoord aOUErnsui 3111 asn Amu rapual •,ivado1d alp jo ageranoO am 01 aigeoiidde are s111gu lions sr lE3osui `,Cuadord at1 guuanoO saioiiod a00Ernsui IIE .tapun (laMO.uog ,iq pied suuniuiard pauUEaun 3o puma! ,Cue 01 1tgir aq1 uEgl Jat10) s1tgu s,10MOr10g 3O 13410 ,Cue (q) pue luaunuisul ,ilunOaS sill 10 aloN aq1 spun ptedun slunotue am paaOxa o1 loo lunoure uE ui spaa0ord aOUErnsui ,iue 01 s1tgu s,ramoUog (E) rapuari 01 sugtsse JCgarat raMO.uog `as!Mratlo r0 ZZ 1OI30S spun ,Cuadord aril sarinboe rapua7'.j1 ro loan 1311113 uI •uantg Si a0pou 3111 uatiM uigaq IIIM pouad Sep 0£ acl •tuiep 3111 aillas pue alepogau Amu rapuaq uagl `Irmo E aims 01 para33o set raIIEO aOUErnsu1 am lEgl rapUaq map aOpOU E 01 s,Cep 0£ umm puodsar l0U saop ram0110g 31 •srallEUm paleia' pue tutel0 aOtrernsui aigeiiene ,fire aplas pue a1ei10gau 'am Amu r0pua' `,Suadord aq1 suopuegE raM0rr0g 3I •Z uopOaS ut roj papinold rapro aml ui paiidde aq !pegs spaaoord aOUErnsui pus •ramo1og 01 pied 'Aug 3i `ssaoxa all 852 2loLeBed 120001 (AM9 CIO 9t '►n ®6(WY) (0005) Page 8 of 15 (nitia 259 attorneys' fees to protect its interest in the Property and /or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. 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1tE3 am 4OitM ui AI_Tadold atl 3o anjEn 'ui ssol 10 `uo!Oluisap IEpmd E 30 Juana atp ui _Tamo _Tmog o1 mud aq Mugs azugjeq ,iud •amen ut ssol .10 `uouotulsap `2uplei IEtuEd agi 0.1ojaq Alampatuutt Auado1d ag13o amen la)I_T11tu 11EJ 0141 (q) papintp anl11n Ui ssOI 10 `uopottusap `$upl111 jgillEd all a _Topaq kla1Eipaunui pamoas stuns am 3o lunotug Ieiol am (E) :uopoE.13 2'uimollo3 am /Cq paildtunut spaaoold snoaugllaosm alp 3o lunotue 0141 Aq paonpa_T aq pugs luatutulsul Sit1nOas sits Aq pa _Tnoas sums am Iuili1M ui aat& astM1at10 mapua-i puE 10M0fl0H ssalun `amen ui ssOI 10 `uopotulsap `5uplE1 IEiuEd atl amopaq itia1Eipaunu! luatuntlsui iC1unoas sits pamoas stuns alp 3o mot= 0141 u1tll 1a1E015 _To of Tuba si amen 111 ssol .10 `uoilpn.nsap '2up1111 IEiuEd 0141 =Jag ,Clampaunui Slladold am 3o amen iavet l 1IE3 0141 4OiiM ui 1Cuadomd alp 3o amen ui SSOI 10 `uopon_Tlsap 4 2ut)[111 [giugd g 30 Juana OW III •10MO.uog 01 pied `iiUE 3i `ssaoxa atp grim `anp uati lou 10 .101410tH luatunusul Afunoas sup Act pamoas sums a41 01 pailddg aq IlEgs spaaOO.1d snoauEllaosTI am 'filmdom alp 3o awn ui ssol 10 `uopOnlfsap &Uplgf !E1o1 E 3o Juana 0141 ui •z uopoas ui _T03 papinomd _Talmo 0141 ui pailddg aq Vets spaaoold snoaUgllaOStysi tons •1amo11Og 01 pied `,Cue 3i `ssaoxa 0141 grim `anp uat1 lou 10 1atla4M `fuatunusui Altmoas situ pamoas stuns 0141 01 middy aq IlEgs spaaoold snoattepaostIA 0141 `pauassal aq pinoM Xlimnoas s,mapua' 10 aigisga3 icIlEOttuouooa lot! si _Tiedal 10 UOI1EJO1S31 at13I •spaaoold snoattellaOSm tons uo OuttuRa m0 ISamaIUt JCue maMO110g SEd of pa _Tinbam aq lou Vets mapua1 `spaaoold snoau1llaOSiyA tons uo pied aq of 1sa1alui sa _Tinba_T Me-j 01g1Oilddd JO dupUM ui alum si ivatuaal5E u11 ssalun •paiajdtuoo Si )poM 0141 s11 sfuatu1igd ssaBo _Td 3o saws E ut _To luatuasmgstp al2uis E ui uot1E101sa1 141E sli11da1 0141 _To3 /Cud ii11tu 1apua •Alldtuomd umeuapun aq lints uopoadsut tons 111141 paptno _Td `uoi1O113sp11s s,lapua-I 01 palaldtuoo uaaq set 3I1oM atl a _Tnsua 01 Suadold 4Ons IOadsut o1 iiiiunuoddo ue pet S11q 1apual Ii1un spaao0 _Td snoaUEllaosiJA tons plot 01 14 U all anR4 pugs _Tapua'I `pouad uop11 _TOlsam puE 1111da1 tons 2ui1nQ •pauassal lou st iifunOas s pug algts11a3 iCHEOiulouooa si ligdat 10 uot1E101sa1 all 3i `ivadold am 3o 1111(101 1O u0i1E1o1sa1 01 pailddE aq Ile14s spaaoo _Td snoau11llaostyfl tons `pa5EtuEp st iivadold at13I •lapuai 01 pi11d aq pulls pug o1 pauVissE iiga _Tag 01E spaaoold snoauepaoSiyll IIN 'amliaJaog spaaao.ld snoauellaOS!JAJ 30 luatuugissv •11 •uoileuiutaal JO uoilellaoueo tans jo atutl aql 1e pau.tgaun aaant 1 141 sulniulaad aoueanstq 0 I1 3aoytl ,fug jo punjai e aniaaaa 01 ao/puu qlleailetuolnu paleunuaal aOUeansui a2e2laoN 0141 amni 01 'aaueansui aeglaoly 0141 3o uo1lellaauea uiew pug lsanbaa o1 'saansolasip uielaaa antaaaa 01 )43p 0141 apnlaui Xgtu slgaia magi, *Mel min() ,fug a0 8661 30 pv uot3Oaload saaUMOau10II 0141 Japan aoueansui ageglaow all of laadsaa g3iti .fug 3i set aaMOaaou slt2ta all pang lou (pm sluatuaaJSe galls ,fu' (q) (9000) (JlM)9 ®tz 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. CC) -6(WV( (0005) Page 10 of 15 Initi r 261 Form 3051 1/01 1.011 LSOE WJOA 792 ei1 u g t 1 LL e6ed (9000) (AM)9- CD NdSd 1 uopettuoJul Jaglo Ain pug apeuz aq wogs maul/cud uplum of ssalppe aIr1 `Jaopuas ueo'T matt atp 3O ssaippe pie alueu ail a1e1s HIM uot4M °gum alit 3o aollou uauUM uan!g aq !pm 13MO110H `laopuaS tteOi agl 3o aguutp r sl °Jag111 •a10N agl 3o airs p o1 paleiatun aaoln.zas uvo'1 alp Jo SagUego atom 10 auo aq lggiut osjr alma Mp T ajgeotjddy pup `luatun.tlsul Aipnoas sup `a1oN atll iapun suotlggilgo gutotntas uuol ageguout lagp suuojiad pug luamnllsul AllmOas sup pue a10N alit iapun anp slualuSed Olpouad sioaiioo rut Jaoinlas ueo'„ am se uMoux) 1Clilua alp ut aguego g ul unsai lgglui ales y •1amouog 01 aollou .toad lnogllM satuu aiow 10 auo Nos aq ueo (luaturutsul Allmoas sup gum Jaulagol) a10N au1 uT 1saia1ul leTued g to 010N aUJ •anuenallJ JO ONION :aaaptiaS ueo7 3o aguega :a1oN 3o aleS '0Z gJ uollOas lapun uopglalao0e 3o asp0 aIr1 Ut AIddg 1ou pegs alelstua1 01 lggi1 sup `lanamof •pa11n0oo peg uopelapooe OU JI Se anIlOa33a Ajjn3 uigtual jjegs Agazag patinas suotlegggo pup luaunulsul Alunoas sup `JOMOJJOH iiq luatualelsutat uodn •iajsugzj spung 5Iu011na1g (p) so tX1I1110 10 i11leluatun11sr1 `Aouage Iplapa3 E iCq palnsut an slisodap asogM uopnulsul ue uodn uie1p sl loop lions Sue paptnold s,latuseO 1O )barn s,talnseall 'vow lueq Vag° pai3111a) (n) `.1ap10 Jiauom (q) `.gspo (e) :tapua-1 Aq pa1Oalas se `suuo3 gujmoll03 alit 3o atom so auo ut sasuadxa pue stuns luamalglsulal lions 1(gd 1amo.uog lggl aunbai i(gm lapuai •paguegoun anutluoo pegs luamnusu1 'tunas sup sq patinas stuns alp iigd 01 uopegl1Qo s,lamollog pug luaturulsul 'iulf0aS sup lapin slggu pue Auadold ag1 ut lsata1UT s,lapuarl 1eIr1 amssg 01 atlnbat Algpuoseal Amu lapua-T sg uopWW tinns sa)lel (p) pie :1Uatun11SUI Allmon sup lapin slggtt pue Spada'," alit Ul lsatalul s,1apuarl gup0aioid jo asodtnd ag1 103 pa.unzut saa3 Jaglo pie `saa3 uoputuen pup uopoadsul A11adoid `saa3 ,sAatnone algvuoseat `01 pautull 1ou lnq `gulpnpul luamnllsui ii1 unoas sup gulatojua uT pannou1 sasuadxa jjg spied (o) `.sluautaatge so s1UeuanoO laulo Sue 3o ljnejap Niue sa1fO (q) `.paun000 peq uopeJalaOOe ou 3l sg aloN ail pie luatunllsUI ,illmoaS sup tapun anp aq mom uagl gourm stuns He lapual siCgd (R) :1amo11og legs a1r suoptpuoo asoUZ •luatutulsul SumOaS sup gu101ojua luatugpnf g 3o A11ua (o) 10 `aielsutal 01 142p s,lamollog jo uopeuutual alit 1o3 A3toads lgguu Mg7 ajgeoiddd sn pouad 1ag10 gaps (q) :1Uatun1lsul 'intuits slut ul paUle1UoO ales 3o tamod ,Cur 01 lurnslnd Apad01d ag13o ales atojaq s,Cgp aAU (g) :Jo lsa!Ttpa alit 01 loud amp Aug 1p panulluoOStp luaturulsul ,i1ImOaS slur 3o luatuaOloJua anpu 01 lugu ail anell imp 1aMO11og `suolllpuoo ule11a0 maul 1aMO11og 3I •uotle.iajaooy aa13d a;elsulag 01 1gglg mantoziou '6T •1amo.uog uo puemap 10 aopou 1ag11n3 1nog1IM luatun11su1 /ilunOas slur Aq palutulad saipatual Cue arm!! Amu lapua-I `pouad slur 3o uopuldxa ail 01 toad stuns 0Sau1 Sul 01 sue; 10M0110g 3I •luatunllsul AulnoaS slur sq patinas sums Ile Aed lsnm 1aMOltog u0iuM Utuum SI uopoas tjltm aOUepJOOOg uT uanlg Si aollou au1 amp au1 wog Sip p£ unit ssal 1ou JO pouad p apinold Ilgus aollou OUJ •uope1a1a0Oe JO aollou 1aMO11og anig pegs Japua'l `uolldo slut S0S!Ol3x3 lapua7 11 Mel ajggo1lddd Aq pallglgold Si asIOlaxa Irons 3T lapua' sq pastataxa aq 1ou pegs uolldo slur `1anaMOH •luatun11su1 iClunoag slur Aq palnOas stuns IIg 3o jjn3 UI luatuSed alglpatutul allnbai Diem J0f U0' I luasuoO ua11IM loud s,tapua7 lnotwm (pa11aJsuell 10 pj0s Si 1OM0.110g UT lsatalul IRTO13auaq a pie uoslad 1emn1gu a 1ou Si JOMOJJOH 3T 10) pa11aJsue11 10 Nos Si filmdold alp ul 1S0101UI SUE 10 ;iltadold ag1 jo 11Ed SUE 10 ire 3I •laseuolnd a o1 gyp alnln3 a 1g JOMOJJOH sq app 3o 1aJsuell atjl st t4014M 3o maw! agl `luatuaalge Mo10sa 10 1Og11uoO sales 1Uatu11etsut 'paap 103 =moo `paap 103 puoq p ut paltaJsuell S1S010lttl Ipiot auaq x8041 `01 mum! lou 1nq `gulpnjoul `,ivadold alit ul 1sa101ul jelOpauaq 10 legal Sue stream „Suadold am ut lsatalul„ `81 uopnas slur uT pasn sy 'aamoaaog uj ;salami Iela!Jauag a ao Alaadoad 041 3o aa;suea,L '81 •luamn11su1 Alunoas slut 3o pug a10N alp Jo Adoo auo uantg aq pugs JOMOJJOH ',Cdop mantonog •LT •uot1Op iCue 0) 1 of uopegilgo Cue 1n0Ir11M uollalOSlp aJOS sanlg „iietu„ p1OM 041 (o) pup `eslan aOln pie !mid alit apnjoul Pug ueam pulls mauls ag1 m sp1oM (q) :lapuag au1UTuta3 alp 3o sp1oM 10 sp1oM lalnau gUTpuodsattoo opnloul pup ueatu pegs lapuag auIInosetu alp 3o sp10M (g) :luatunulsul Altlnoas sup uT pasn sy •uotstnold gul1OtiluoO atjl lnogllM 1Oa33a uanlg aq URO IrO14M a10N au1 10 1Uatuntlsul Iil sup Jo suOlslnold 1x410 10a33e 1ou ins lOI3uoO Irons `MW ajgpoijddd Ir11M sIOTiJuoO a10N am 10 1uaturuISUI X1I1fO0S slur 3o asngp 10 u0isinold Niue mu liana aril uI •10p11uo0 sq luatuaalge lsulege uowgmold g Sr panIIsuoO aq lott pegs aOUajls guns inq `luaus aq lggnu 1! 10 1Oe11UO0 Aq aalge 01 sapied alp mope Iip!011dml 10 i I1!otjdxa lggltu Mei ajggotjddd •Asel ajgpoijddy 3o suopeutup PUR slUatualtnbal /Cue 01 loafgns 01r luaturulsul Alunoas slut ul paUleIUOO su0ilggllg0 PUR s1Irgi IiV •Pale Si Auadold alp g0luM ui uopoipsun( am 3o MeI am pup me! Ielapa3 sq pautanog aq pegs 1Uaturutsul /CumoaS stun, •uotlanalsuoD ;o saing :Xltjtgeaanas :me7 gujuaanop '9I 917 7,1S0 0872546 263 C)-6(WY) (0005) Page 12 of 15 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. Initials: Form 3051 1/01 L0 /L LSOC W10j 9 L 4 E L e8ed 15000) IAMl9 ®cso 8unuo11M jo sMei uouduzaxa pealsaiuoq aq; jo anutA iCq pue iapun slow Ile saAleM pue sassalai iamoiiog •saaAlfM 'bz Me-; algeotiddd .iapun pauluu d s! aaj alp jo 2ul2Iego alp pue pampa! saoIA.ias .ioj Cued pugs u of pled s! aaj ag1 J! /quo lnq luaum.usuI 4.moas sun 2ulsualaa ioj aaj a .iamozzog amp Auuz iapuaj s ;soo uonepiooal ,Cue /cud !lugs aamo.uog •luauzn.usui Allmon sup aseaiaz !legs iapua- `luaumilsui Alunoas sup Act pamoas sums Ae jo luauzAed uodn •aseapg •£Z ;t o; pal ;I ;ua Alle2ap suosaad JO uosaad aq; o; ssaaxa Sue (a) pue :luatuna ;sul unoas spg; Aq pins sums He o; (q) :saaj ,sSauao ;e apgeuoseaa '0; pa ;nu!! ;ou ;rut 'aulpnpu! 'ales aq; jo sasuadxa lie o; (e) :.iapao SulAtojo3 aq; ui palldde aq Hugs ales aq; jo spaaooad aq 'ales Sue le Sl.zado.zg aq; asexpind Sem aauSIsap s;! JO aapuarl •Atei apgeallddd fq paquasaad aauueuz aq; u! Nos aq !legs Slzadozd aq; pue 'ales jo a313ou aq; gsilgnd !legs aapuai •SI uolpas u! paplAOad .zauueuz aq3 u! .I M0.Uog 0; apes aq; JO aa130u an12 Hugs .zapua' •Merl apgeailddy q ;zA% aauepaooae ui ';uaaalj!p 3i ',f ;aadoad aq; jo uolssassod ui uosaad aq; o; pue aam01a01( o; asopaao3 0; maul! 3o aol;ou aAl2 pegs aapuaj 'ales ;o aamod aq; savA.u! aapuarl 3I •a3uap1Aa app to s3SO3 pue saaj ,sSauao ;le apgeuoseaa '0; palm!!! mu ;nq '2u!pnpu! 'ZZ uomas s!q3 u! paplAOad sa!pauzaa ag; 3uInsand u! paamauz sasuadxa Ite aaauoa o; pal3!3ua aq !legs aapua-1 aigeallddd ,Cq pa ;cuuad salpauzaa aaq ;o Sue pue ales jo aaA+od aq; a)loAu! Sem pue pueuzap aaq ;an3 lumina luauzna ;sul ,C ;Ianaas spy A q pumas sums He jo «n3 uz ;uauz,Ced a;elpauzuzl aalnbaa few uotldo s ;e aapua-1 'aal ;ou aq; ui pallpads amp aq; aaopaq ao uo pain ;ou s! ;ineJap aq; 31 -ales pue uot;eaalaaae o; aaA&oaaog 3o asuajap aag ;o Sue .10 ;InePap e 3o aaua;slxa -uou aq; passe o; uol;ae 3ano3 a Nuiaq o; ;Op alp pue uolumaiaaae as ;fie a ;e;sutaa o; ;Op aq; 3o aaAtoaaog uu03u! aaq;an3 Ilegs aat;ou aq,L •)C3aadoad aq; 3o ales pue ;uauzna;sul £llamas sun Cq paanaas sums aq; 3o uol ;eaalaaae u! ;pm.; £euz a313ou aq; u! pazjpads amp aq; aaojaq ao uo ;lneJap aq; aana o; aanize; ;eg; (p) pue :paana aq 3snuz 31nelap aq; golgAt Aq 'aaMoaaog o; uaA! 3 s! aol ;ou aq; amp aq; uzoa3 sSep p£ ueq; ssa! lot; 'amp a (J) :31neJap aq; aano o; paainbaa uoi ;ae alp (q) ;Inejap alp (e) :,Clpads Begs a3!3ou aqj •(as!Maag3o sapIAOad Mu'I algeallddd ssapun 81 uolpas aapun uol;eaapa)Oe o; aolad lou ;nq) ;uauznalsul £;lamas sup u! ;uazuaaaae ao ;ueuanoa Sue jo goeaaq ma to.uog 3111AM0110J uol;eaapaae o; aolad aaA+oaaog o; aai3ou aA!$ ;pup aapuarl •sa!pauzag :u0!3eaala33V 'ZZ :smoiloj se 3012u pue 3ueuoA00 _Jammu 1apua-p pue Jamouog •S.LNVNHAOO IA fIOdllNfl 17 92 94450 08°72646 2 6 5 Witnesses: 6(WY) (0005) 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. (Seal) CEUGENE P FIACK Borrower cDzi,t,a. SHERRI L FIACK (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Page 14 of 1 5 Form 3051 1 /01 LO /L LSOE WI03 :ss ,f;unoD 992 5 L la 5 L seed ORgnd 2011 4 100Z T i iCnnnunr :saiidxg uotsszuxuxoD Ify�i x3VI,3 '1 'Elms amy x3vi.3 d aNzon3 Aq TO 0 Z Z 0 'I22IdY spp aui aiojaq papaimouj3E szm luaum iisu! $uto2aJO3 at uIoour7 Rizituffiq `ONITAIOAAA 3O H,LV LS 150001 AM) 09 ap WNW 11103111 AO VAS t 1 3o. aNno= 3119nd J dViON 33N3N1318(1d1 8488750 14FR- 3170 -1 1 -4 A F AMILY RIDER ssignment of ents) THIS 1 -4 FAMILY RIDER is made this 2ND 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 toWELLS FARGO HOME MORTGAGE, INC. (the "Lender of the same date and covering the Property described in the Security Instrument and located at: 1003 SORENSEN DRIVE, KEMMERER, WY 83101 [Property Address] 1 FAMILY COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. ADDITIONAL PROPERTY SUBJECT TO THE SECURITY INSTRUMENT. In addition to the Property described in the Security Instrument, the following items now or hereafter attached to the Property to the extent they are fixtures are added to the Property description, and shall also constitute the Property covered by the Security Instrument: building materials, appliances and goods of every nature whatsoever now or hereafter located in, on, or used, or intended to be used in connection with the Property, including, but not limited to, those for the purposes of supplying or distributing heating, cooling, electricity, gas, water, air and light, fire prevention and extinguishing apparatus, security and access control apparatus, plumbing, bath tubs, water heaters, water closets, sinks, ranges, stoves, refrigerators, dishwashers, disposals, washers, dryers, awnings, storm windows, storm doors, screens, blinds, shades, curtains and curtain rods, attached mirrors, cabinets, paneling and attached floor coverings, all of which, including replacements and additions thereto, shall be deemed to be and remain a part of the Property covered by the Security Instrument. All of the foregoing together with the Property described in the Security Instrument (or the leasehold estate if the Security Instrument is on a leasehold) are referred to in this 1 -4 Family Rider and the Security Instrument as the "Property." MULTISTATE 1- 4 FAMILY RIDER Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Initials" Page 1 of 4 Form 3170 1/01 CA (0008) VMP MORTGAGE FORMS (800)521 -7291 4,2 III 1 1 I 1 261 1 11 1 11 LO /L OLLE WJO4 17 z °Bed (8000) aL5 (pp :Auado1d aq1 3o small agl 3o IIe antaOal pue halloo of palllfua aq jlegs .Iapua'l (rt) '.luaunulsul Animas aq1 ifq painoas sums aqf of palldde aq or 'Aluo .iapua'l jo njauaq aqf io3 aalsrul se .iaMoaiog plaq aq Begs aaMOi.iog ,Cq paniao r sfuag IIe (t) :iaMoiaog or 1lnepap jo aollou sang .Iapua' 3I •,Cluo Alunoas Ieuolllppe ao3 luautu2rsse ue 1ou pue luaundtsse ainlosge ue safnftlsuoo small jo luautu5tsse stgd, luau s,.rapuai so zapuaj of pied aq of an small ow imp (s)lueual ag1 of aopou uaniS seg aapuaT (tt) pue `luau ursul A1unoaS 1 .1 1 3° ZZ uolloaS of luensind flnejap jo aollou .zaMonog uantg seq iapuarl (t) :It1un small agl anlaoa.I I I1S .taMO.t.tog 'aanaMOH •sluaRe s,.Iapua' 10 .rapual o1 small alp pied i[egs AuadoJd ag1 jo lueual goea Imp saarSe pue 'slum aq1 loalloa or sluaSe marina-pi) .apua-1 sazuogfne zamonog •algeSed are Auadord aq1 jo small aql urogM or jo ssalpie2az 'Auado1d aql jo „s1uag sanuana1 pue sluaa alp Ile .Iapun 01 s1aJsue.if pue su2lsse iilleuolltpuooun pue ,Clalnlosge iaMO.I.IOg 'AIOISSaSSOd All lIaUMa'I ia is au dO .LNHI4LLMIOddd !S.LAtaB 3O .LNaIANOISSV 'H motional a no sr luarun.Ilsul rifunoos aql jt „asealgns„ maul Hugs „°seal„ prom aq1 'O gddaeied mil ut pasn sy •uoporostp alos s ut `saseal Mau °hoax° ol ,pue saseal 2utlslxa aq1 am 10 pualxa `ijtpoui 01 1q t1 OM anetlIlegs °°pawl luautuatsse alp uodn •A1.IadoJd aq1 3o saseal 141IM uopoauuoO ut °peat sllsodap /1lmOas rig pue ,iltadord ag1jo saseal IIe .Iapual of uStsse Hells .1aMO.log `llnejap 1 13e lsanba1 s,aapua-1 uodn Sasvai to ,LAIamoissv .9 •palalap sr Alaado.id alp jo ,iauedn000 S 1 Mouog 2uluiaouoo 9 uo1JOas '2ullr1M uI aa.de asrAuot 10 Jokiar1Og pue iapual soma 'ADNVdn3DO SaILMO2RIOg 1 palalap st 61 u0I1OaS 'Qa,La'Ia I O,L LHORI SilIaMOlfIOgu 'd s uorpos Aq ponnbw st aOUunsul golgh Jo3 spiezeq imp aql or uoptppe ul ssol mar lsule5e aOUe1nsut ulefuleui pegs 10M0J10g dJAtd2IflSAiI SSO1 ,LNaa 'Q •uotsstuuad ua11r1M loud s,aapua-1 lnoglJM i(1.tadoad aq1 lariat paloapad aq or 1uaWtulsul Alunoas alp of J0L1alut wall Iiue morn 1ou Hugs .IaMO.uog 'Mel lerapO3 ,Cq palltuuad se ldaoxg 'SAIaI`I d.LVAIIQlIOfrLS 'D •Suadoad alp of algeotldde Apoq Ieluatuulanog Cue 3o sluautannbar roue suotleln2az `saOUeurp.1O 'Sim! in grim Aldwo3 pens .IaM0log •a2negO alp or SuppM ut !may seq .Iapuai ssalun 'uopeogisselo 3uiuoz s1! .to /1.Iadoid ag13o asn Oq1 ut &uego e a)IRUJ s0 01 aai ?e `Maas lou Ilegs 1aM01JOg *Mr' H,IIM aDNVI'IdJ oa �A d0 ISn 'g R9 Z 269 Borrower agrees that each tenant of the Property shall pay all Rents due and unpaid to Lender or Lender's agents upon Lender's written demand to the tenant; (iv) unless applicable law provides otherwise, all Rents collected by Lender or Lender's agents shall be applied first to the costs of taking control of and managing the Property and collecting the Rents, including, but not limited to, attorney's fees, receiver's fees, premiums on receiver's bonds, repair and maintenance costs, insurance premiums, taxes, assessments and other charges on the Property, and then to the sums secured by the Security Instrument; (v) Lender, Lender's agents or any judicially appointed receiver shall be liable to account for only those Rents actually received; and (vi) Lender shall be entitled to have a receiver appointed to take possession of and manage the Property and collect the Rents and profits derived from the Property without any showing as to the inadequacy of the Property as security. If the Rents of the Property are not sufficient to cover the costs of taking control of and managing the Property and of collecting the Rents any funds expended by Lender for such purposes shall become indebtedness of Borrower to Lender secured by the Security Instrument pursuant to Section 9. Borrower represents and warrants that Borrower has not executed any prior assignment of the Rents and has not performed, and will not perform, any act that would prevent Lender from exercising its rights under this paragraph. Lender, or Lender's agents or a judicially appointed receiver, shall not be required to enter upon, take control of or maintain the Property before or after giving notice of default to Borrower. However, Lender, or Lender's agents or a judicially appointed receiver, may do so at any time when a default occurs. Any application of Rents shall not cure or waive any default or invalidate any other right or remedy of Lender. This assignment of Rents of the Property shall terminate when all the sums secured by the Security Instrument are paid in full. I. CROSS DEFAULT PROVISION. Borrower's default or breach under any note or agreement in which Lender has an interest shall be a breach under the Security Instrument and Lender may invoke any of the remedies permitted by the Security Instrument. 57R (0008) Page 3 of 4 Initials�E�f �7 Form 3170 1/01 7,5 270 BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this 1 -4 Family Rider. (Seal) tti. a 7 (Seal) NE P FIA Borrower SHERRI L FIACK Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower CZI (0008) Page 4 of 4 Form 3170 1/01