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HomeMy WebLinkAbout87252011 11 1 11 1 1 L0 /L L90E WJOJ t hNINOR vi `1 "i yv3), ..JNNV3P CS: 1j inid 10 e >W310 AIM-WO t lO0NI 0134130 4:# 1 11 11 IDVd Na z x00a 1.6ZL LZ910081 SWkIOd 3DVJLHOW dWA :slelklul Q l to l aged 190001 (AM)9 1N3INf1d1SNI IN!lOdINfl oeIN alppaq /aew aluued- AIlwej 8 1 6 U49 ONMOAM YIN2tOdII'IYO dO HJXJ.S am Jo SMei agl upon 8uilsixa pue paziue8.to NoL LV IOd2IOO a Si iapual ONI HDYDJ1 IOFi MOH ODIM1 STIHM si aapuarl„ (0) •luau1tulsul Slunoas sigl.tapun io8e8uout ag1 si zaMO.uog NOSEHd HIDNIS rd NOSYN HailINNE2 si „aaAto.uog„ (g) •luaumoop sup 01 slapimi IIe g1FM .tat;1a8o1 100 Z 'E 0 anzert MEP st gotgM `luatunoop sigl sueaut ;uatuna ;suI ,f ;tmaas„ (V) '9T uoiloas ui papinozd osie ate luauznoop sup ui pasn SpJoM 3o a8esn ag1 8uipJe8aJ saint uieua0 T Z Pug OZ `8 T 'ET '1! `E suotloas ui paugap aie spioM aaglo pue Moiaq paugap an luotunoop sup jo suoiloas aidilinui ui pasn spioM aDV✓, r TOYN Lena Bulp.ioaag and aul7 sna anogy ands] O ?S L8 T 0 TS0E I3]CM SNOI.LINId3Q 000010189 HN tld0 SV'ID110a 616 amt 'HDYDS2tOW HWOH OD2IY,3 SZ'IHM :SE{ pa.teda1d SE S NW 'NOSDNINIOOZS 00z HSIns 'Ea YIOSHNNIN T09E 3NI aevea2I OH OD IYd STIHM :o,T, tunlag 0990958 951717TOtiO Lender's address is P.O. BOX 5137, DES MOINES, IA 503065137 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated APRIL 03, 2001 The Note states that Borrower owes Lender SEVENTY EIGHT THOUSAND EIGHT HUNDRED FIFTY AND 00/100 Dollars (U.S. 7 8 850 0 0 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than MAY 01, 2031 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: 08'7::520 Adjustable Rate Rider Balloon Rider VA Rider C moos) X Condominium Rider Planned Unit Development Rider Biweekly Payment Rider IXI (II) "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 Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. Page 2 of 15 IIIP Second Home Rider 1 -4 Family Rider Other(s) [specify] Initials: 159 TAX EXEMPT RIDER Form 3051 1/01 L0 /L L90£ LIMA yv ream s!!!1 .10 alo]q aq1 iapun luau1Aed se .tapuaq pantaoal luauuulsu! zaglo 10 loago Niue 3! `1anamoH •Aouauno •S•n ut apeuz ag !legs luaunuisul AlunoaS sigi pue aloN aq1 zapun anp sluauzAed uopoaS o1 luensznd small Mozosg zo3 spun] /cud osle !legs zamozzog alolq agi zapun anp saazego ale] pue so2zego maul/Wald Cue pue aloN agi paouapina igap alp `uo isazalui pue `3o lediouud agi anp uagm Aed Hugs 1amo11og •saaasgO awl pue 'saaaegO ;uauz,fedaad 'swan ntozasg ;sacra ;ui '1edlauud ;o muds,' 'I :smolloj se aaISE pue lueuanoo zapuai pue zamozzog S.LNvAIgAOO IAPIOdINf '�Clzadozd lean 2uuanoo luauzzuisui Aiunoas uuoJzun a ainl1isuoo 01 uoiloipsiznf suopet1en palm!!! gl!m slueuanoo uuojiun -uou pue asn leuomu zoj siueuanoo uuojiun sauiquzoo SIH.L pzooaz jo saouuqumoua "WE of loafgns `spueuzap pus suzrelo ife isuie Auadozd aq1 01 al1!1 aq1 Ciiezaua 2 puapap !pm pue Slus1zEM zaMo110g 'pima' Jo saouezqumoua 10j ldaoxa `pazaqumouaun s! Aiiadoid agi iegi pue Ai1ado1d agi Aanuoo pue lue12 `a5egizouz Oi 1g5u aqi seq pue padanuoo Agazag alelsa ag1 JO pastas ,illnjMel s! zaMO110 leg! SINVNI3AOO ?IgMO?RIOg „'Auadozd„ aqi se luaunuisui iClunoa5 ui o1 pazzaja1 Si &uioSa1oj ail Jo Ild •ivauzzuisul IClunoaS sigi pazanoo aq osle !leis suoil1ppe pue sivauzamidaz Ild •Aizadozd aqi 3o !zed a za1Jeazag 10 MOU saznlxt3 pue `saoueualzndde `sivauzasea !fe pue `,Cuadozd aqi uo pap= 1aljea1aq zo Mou sivauzanozduz! alp IIe HIIM ?IgH Lg L o9T 8 ET E 8 211 !WOIM [apop d!Z] [1aanS] Jo ssalppe ail seg Ailuazzno goiLM 5 l 0 aBed moo) (AM)9 „ssazppd ,Cizadozd HNId'IY 9 HARM H)IYNS 0TZ 0 0 6 0 T :1aquzn]\1 01 !crowd LETS90E0S YI 'SHNIOW SHa 'LETS XOS O d 0NI HOYDJ. OW HWOH OD IY3 STIHM :OS INKS HS a'IIIOHS SJ.NHWHZYSS XYS 'JMaNL12iJ.SNI AZI2I110HS AHNOW HSYH02ffid Y SI SIHS T?6Z608 ON J.NHWIIILLSNI 'O fi'9Z ON Iliad SY )RIH'I0 AJ.N[100 RILL 3O HOI330 RILL NI S661 b IIHSOZ00 QH'II3 SY'Id SYHS OS ONIQ2I000Y 'ONIWOAM AJ.NII03 N'I00NI'I 'HNId'IY dO NMOS HHS OS NOISIaaY SHWOHNMOS MHIA2IHAI2I 9 .LO'I [uouolpsunr Smploaag N) [uounipsunj Suipiooag ;o ad,S1,] N'IOONI'I JO AJ.NAOO 0 q1 III paieool Auadozd paquosap 2ulmoilo3 alp `ales 3o 1amod gilts `su2!sse pug szossaoons s,zapua-I par 1apual of Aanuoo pus luei5 `a5e4zouz iCgaiaq saop 1aMozzog `asodznd sigi ioj °aiolnl aqi pug luauzruisul Alunoa5 1apun sivauzaa12e pue slueuanoo s,1amo1zog Jo aoueuuoj1ad ag1 pue :a10N am Jo suopeopipouz pue suolsualxa `slemaual !]e pue 'ue01 ag13o ivauzAedaz agi :1apuarl 01 saznoas luaumzlsul Allmon sRL A1'IgdO2Id MIL NI SIHJIlI dO 21adSNId?LL •luaumaisul iClunoa5 sigi zo /pue a10N ag11apun suollm2!!go s,1amo1zog paumsse seg Sized iegl 10U zo zaglagm quadozd ail 01 aim ua71 seq 1e111 Aized Niue sueauz „aaMO.uog Jo ;saaa;ui u! aossaaanS., (d) 0872520 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 (SD -6(WY) (0005) Page 4 of 15 Initials 161 Form 3051 1 /01 LO /L L 90 WJOj aq1 gulA3iluapl aollou 11 1amofog anl2 A11111 iapua7 luaunulsul AlunoaS sup Jan) A111oud algae ueo ga?gM uall 11 o1 loargns st Auadold at13o urd 111141 sauiuualap iapuar Jr •luauzculsul Slunoas sup of uall 0141 gup11uiplogns lapual of AJ01o113s1111s luauraalg11 UE uall 011130 lapio14 0141 u1O13 salnoas (o) 10 `papnlouoo �1E sgulpaaooid lions Illun Aluo lnq `2ulpuad 0111 s$ulpaaoold asogl aligm uail aql jo luauzaoiojua 0141 luanaid 01 am ado uotutdo s,lapua -j ul 14oii t sgutpaaooid Iegal `ul uall am jo luaura01ojua ismar spuajap io `Aq L 11¢3 poog ui uail am slsaluoo (q) :luauzaa.rge tons 8unuroJlad s! 1amo11og se gaol os lnq `iapual 01 aigeldaooe 101111E111 11 ui uarl 0141 Aq pamoas uop11$llgo alp jo luaurAEd am 01 gutlum ul saaa11 (11) :1amo11og ssalun luaurrulsul Alunoas sup JOAO Aluoud s11t tot14M uall Aug agrRtpstp Alldmoid jl11gs 1aMO11og uolaoas ul paptnold zauueur 0 141 ui uragl Aed II11ts Jamouog `small Mo10sg 0111 small asagl legs wawa 3q1 o I Aug 31 `sluaurssassy pug `saad `sang uopeloossd Aliununuoj pue `Aug 3i `A11ado1d at 1 uo dual puno1S 10 sluawA11d plotas11al luaumllsul Alunoas sup .rano Aluoud mum um go114m Auadold am of aigeinglslle suoilisodun pug 'saw `saga qo `sluaurssass11 `saxes Ile M11d II1114s JOM011og •suafl :sansg3 •b •lapua- Aq plat spund Aug 1M0110 g o1 puma' Apdwold Hulls Japuai luaumllsul AIImOas sup Aq pins sums IT jo lin3 ul luaulA11d uodn •sluatuhd Altluoul ZI u11t1 a10u1 011 ul lnq `VdSg2I t1!" aou11p1oo0O ul Aouaio1Jap am dn alum o1 A111ssaoau lunoure 0141 lapua-3 01 A11d II11ts 1amo.uog pug VdSgg Aq pannbal se 1amo11og A311ou HMIs lapual `VdSall lapun pau1Jap sg `M010s0 ui Nag spund 3o Aoualoijap 11 sr aJag13I •sluaurA11d Altluour ZI uegl atom ou ul lug `ddsg�I llll =lemon u! ag1111ots aql dn a�I11u1 01 Argssaoau lunoul11 am japuaZ of A11d HMIs 10MO11og pue `HdSall Aq paiinbal s11 1amo11og AJPou II1114s iapual `ddSa?I 'MO1os0 ul pla14 spund 3o 02111101Is g sl alagl 3I •ddS 11141mM 03u11p10o011 ul spunj ssaoxa 0141 10j 1amollog 01 lun000e Hugs Iapual VdS3 I Japun paujap se 'mama uI plat spund jo snldlns 11 st alagl Jr •VdS fli Aq pallnbal se spund at13o gullun000e mum tr11 'amp lnotllm `IOMOIIog of anlg II11ts iopuo' 'spund aql uo pled aq imp 1saIaIul 1¢141 `JOAOM011 `gup11M ur aa1gg tiro lapua' pue 1aMo11og •spund 0141 uo s2ulul11a 10 lsalalul Aug JOMOJIog A11d of pallnbal aq sou Hugs Japua7 `spund alp uo pled aq 01 lsalalul saunbai M11Z algeoijddd 10 $up11M ui apEu1 sl luauraaJB11 ue ssalun •0 111g011 irons 0)11W 01 iapuai slluuad me-I alg11otlddy pug spun a tl uo lsalalul iamollog sA11d lapuaZ ssalun small Mo10sg x141 $u1A31ian 10 lun000e Molosg alp Su1ZAIgug All11nuu11 `spund a1I1 guiAldd11 pug 2utploq 103 IaM011og agre140 1ou Vets iapual 'ddSd2I iapun pa131oads aural 0141 u11t1 101111 ou small Molosg am A11d 01 spun alp Aidd11 II11ts lapua7 •)Iu11g ueo1 allot{ I11lapad Aug 111 10 (palnsui os 01e sllsodap asogM uo11nu1sul 1111 Si lapua131 'lapua1 gu1pnl0ul) A111ua 10 `A11le1uaurrulsul `A0uag11 Ielapa3 11 Aq palnsul 0111 sllsodap mount uopnlrlsui 1111 ut plat aq II11ts spund aq,l, M11-I alg11ollddd g1IM a0urp100011 ui as1Mlatlo 10 salmi mama aln1113 3o sain11puadxa jo sa111111!Isa ajg11uos11al pug 11111p luanno 3o slseq 0141 uo anp spund 3o lunotu11 0111 al11lullsa II11ts japan' ddSg1 japan aunbai two lapual 11 lunolu11 umunx11ur x141 paaoxa 01 1011 (q) pug 'ddSgg japan pagloads aunt am 111 spund alp Aidd11 01 lapua'I lluuad o1 luatoi33ns (11) lunoure ue ul spund Plot pug 1001100 `aural Au11 111 'Amu Japua'I uopoas sup lapun pallnbal tram are 111141 `slunour11 lions ul pu11 `spund lie iapua1 o1 A11d 1111145 1aMOilog `uope0onar tons uodn `pue SI uolloas pm a0u11p10o011 ui uan12 aollou 11 Aq aural Aug 111 small M010sg II11 10 Aug 01 s11 1an111m WV a3I0A01 A11u1 1apu0Z •lunour11 tons Au11 japuOZ o1 A11da1 01 6 uoIIDOS japan palegrjgo aq uagl Vets 1aM011Og pu11 lunotur tons A11d pug 6 uolloas japan s1tgi1 su asrolaxa A11ur Japua1 `mall mol0sg 1111 103 anp lunoule a141 Aed o1 shed JOM011og pu11 `Jant11m 11 01 lu11nsmd 'Ap0allp small Mo10sg 'cud 01 pale2ligo si 1aM0110g Jr •6 uolloas ui pasn s! „luaulaalg11 pue lu11uanoo„ aselgd am s11 luaumllsul Alunoas sup ui paut111uo0 luauraal$11 pu11 lu11uanoo 11 aq 01 pump aq sasodlnd II11 jo3 Hugs sldla0al apinold o1 pue swam 11d tons avur 01 uo1111gt1go s •aunboi Amu lapua' se pollad a1u11 tons Urtllm luau1A11d tons gul0uapina sldiaoar lapua1 o1 14s1uJn3 Vets `sannbal lapuo 3i `pug lapua' Aq panl11M uaaq set spund 3o 1uatuAgd t0ltm lo3 small Mo10sg Aug 103 anp 291 1 siewui 9l )0 9 °Bed (9000) (AM)9 dt) lapun paugap se lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with -6(WY) (00o5) Page 6 of 15 Initials: J 163 Form 3051 1 /01 1.0/1 190£ uuoj 179T fs1u1 9 L 40 L efied 19000) (AM)g atq uosEal ui/iEd (0) puu :woo ui 2ui.rEaddE (q) `luaunulsui AuinOas sup .iano Auloud sEq gotum uaii E Aq pains sums AuE SuiAEd (E) :ol pautuit lou aiE 1nq `apniaui 11110 suopm s,lapuag A11adoJd aui guuiedal to /puu 2uun0as puu `Auadold at1 jo anion ail guissassu Jo /puu 2upoaloid 2uipnl0ui luauinulsui SuJn3as sup Japun s1ggu puu filmdoid ag1 ui isalalut s,.iapual loolo1d of alEudoidde Jo aiquuosEai st JanalEgm Joj /Cud puu op /tutu lapuag uagl `/Cuadoid aq1 pauopuege set! lamouog (o) Jo `(suopein$aJ 10 smut a )JOJua 02 .10 luaunulsui ,lunDas sup JOAO 4.10 Sd uiEuE SEW gotgm unit E Jo luatuaoiojua ioj `ainuajioj Jo uop utuapuo3 Joj `alugoid `Aoidn.ptueq ui 2uipaa3o1d E SE ions) luauznllsui Alilnoas sup Japun sigpu 10 /puu Suadoid aq1 ui 1saialui s,lapua' 10ajjE ApueOpiugis 1t 111 uipaaoold te5at u si alatl (q) luaumllsui AuJnOas sup to pauiuluoO Slmammal& pug slueuanoO atl uuO;Jad o1 spy 1amouog (E) 3I ;uauina ;8111 A;ianaas sit; aapun s ;ORl puu Apado.td aq; ui ;saga ;ul mapua7 3o uoi ;aa;oad •6 •a0uapisai tedi0uud s,1amo.uog SE iCuadoid ail jo AOuudnzxo S,Jam0110g $uiulaOUOO suoi2Eluasaldal `01 pa1!1xI!1 loo ale inq 'opium! suop luasaldal teualuysi •ueog 0141 gltm 110900111100 ui (uoIEtulo3Ui minim gum Japuag aptnold 01 palm Jo) lapua'i 0l sluatualEls 10 uopuuuo3ui a1E1fOOEUi 10 `2uipuatsnu 'astE3 Ai epaletu anES luasuoO 10 a$paimou)i s,Jamoliog glim 10 Jamo11og Jo uoilOalip atl le $up3e sailpua .10 suoslad 3311E 10 Jamo11og `ssaOOld uoiiEagddE ueo' ail 5uunp `3i 11nujap 113 aq uRgs 1amo11og •uoi;eatiddd ueo7 mantonog •g •asnwo atgEuosi of gons'utA3 adds uoiizadsui Jo!Jalui uE tons of 1opd JO Jo aunt 0141 111 aOtlou 1amo11og ani2 uegs Japuag •iC11ado1d 0341 uo sluOtuOnoldui! atl 3o loualui ail laadsui Amu lapuag `asnuo aigvuosuai nu li Ji aq1 3o suopoadsut puu uodn sajlua aigRUosual avtu Amu luau Sli 10 Japuag •uot1E1o1sal 101!Ed01 g0ns jo uouatdtuoo alp 10j uoi1aitgo s,lamollog Jo panaital 1ou SI 1amo11og `iCuadold alp OJO1SOJ 10 1igda1 01 luaiai33ns 1ou 0111 spaaoold uoUEUtuapuoa 10 aauginsui agl 31 •palalduio0 8! ?Uom atp sE swam/Cud ssaaoid Jo sauas E ui 10 1UauiiiEd al2uis E u[ uopuJo1sa1 puu sliudai ail 103 spaaoold asingsip tCEw lapua'j •sosothnd tans Joj spaaaoid pomp.' sEg lapua' 3i /quo iilJadoid ail 5uuolsal 10 5uuigdai 103 atgisuodsai aq hugs 1amOJJOg `Auadoid alp `Jo alp 10 `01 aEtuzp 141im 1101100111103 ui pigd am spaaoold uoi1EUtuapuo3 10 aouglnsui 31 •aguurep 10 uOpRlolJalap Jat inj pion o1 pa2EtuEp ji ,ClladOld ail 1tudal ipduzoid Hugs lamoilog `aigiSEaJ A11E3ituouo0a 1011 si u0t1E101sa1 10 Nodal imp g uoUOas o1 munsind pauiuualap si 1i ssaiun •uoilipuoa 51! 01 am) amen ui &11isEaJOap 10 gupEloualap tu0JJ X1Jad01 alp luanald 01 Japlo ui Auadold a141 uiRluiEtu imp lamoilog `AiJadoJd 0141 ui Sutptsal si lamoilog 1011 10 JatlaUM •A1Jadoid at1 uo alsEm liuituoO 10 a3e10ualap o1 /Cuadold alp moue `/tlladold 0141 liedtut 10 arum) `Aollsap 1011 i3Etis Jamo.uog •suoipadsul :,C;.iadoad all Jo 1104130 ;old puu aauuua;uim 'uoi;enaasaad •L •1ollu00 s,lamo.uog puoXaq aIE g0igm lsixa saouelsuinalia 2ui1Enualxa ssaJUn 10 `platgltm iijg11uosualun aq loo Ijegs luasuoa 40ttM &ui1iJM 113 saa12E astMJagIO iapuag ssalun `Aauudnaoo Jo awl) alp 1011 mart auo 1suat le ioj mama.' iediouud s,lamoliog sE i(uadold 0141 Adnaoo 0l anupuo0 Hugs puu luatunllsui ,ilun0as sits Jo uopnOaxa 0141 101je si 11p 09 uiqum aouaptsal iediouud s,lamollog sE AUado1d alp asn puu `gsgqulsa `Adn000 Hugs Sam01JOg •dauedn3o0 '9 •anp 11041 loo 101ati1014m luaumilsui SuJn0as slip 10 0101\1 a1411apun piedun slunoure ARd o1 .10 t(liadold alp 0101801 10 liedal 01 104110 spaaoold aODUinsui 0141 asn deal lapua'i •i(lladold x141 Jo a$E1ano0 0141 01 a1g1Oitdde a.re s1g2i1 lions S11 Jujosut `ICuadold 0141 2utiano0 saioiiod aOUE1nSUt 1111 lapin lamoilog Aq pied stuntuiaid paulEaun 3o punjai Niue o1 14 U ail um 101110) s111 !1 s,lamonog Jo 1a1410 u11 (q) 911E luatunllsui iCU1n0as sits 10 aloft a141 Japun piedun slunoure atl 9000x0 01 1ou lunotu1 1111 ut spaaaoid =roust!! AuE o1 S1441 S,lamOilog (E) lapua1 Ol saissu AgaJat 1am0110g `asimlaglo 10 ZZ 110i13as Japun Auadoid 0141 saltnb0E lapua'i '3i 10 `Juana 1a141ia ui •uan! si a0pou alp uatm ui2ag !pm pound AEP 0111 •1113ui0 ail alms puu 0111j10 0U Amu Japua' 110p1 `uiieia E aplas 01 pang() 11114 10i11E0 aOUElnsui at1 111141 Jap11ag wag aopou 11 01 situp 0£ ut14lim puodsai loo 1009 lamoilog 31 •51011EUi 90111[01 puu unei0 a0ueinsui alquii1AE Au1 alms puu al1no5au `aiij Aux! Japing `,Cuadoid 0141 suopuEge lamoilog Jr Z uopoa1 ui Joj papinold Japio alp ui middy aq bugs spaaoold aOUElnsui gOns •lamoilog 01 piEd `ttuE ji `1100x0 ail t)3 rAd %A* 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. 4214 (0005) Page 8 of 15 Initials: J /111/4 165 Form 3051 1/01 L0 /L LSOE WJOd 99T 9 L Lo 6 e6ed (goo()) (AM)9 C4110 uoiloas u! .ioj papinord .zapao alp ui paiidde aq hugs )(nodal,' alp jo riedar JO uoil91rolsar 01 paiiddu lot are 191911 spaaoord snoauElJOOSIIAA Iid •rapuaj 01 mud aq ins puE paugisse Aga1ag are Anadord agi ui lsarafui s,rapuai jo luatungduui aq1 o1 0igelnquue are 191911 sageuzep roj uneio ro prune Aug jo spaaoord ag,I, •luaturuisui Alunoas sup spun s19(gu io Anadoad ate ui lsaralU! s,rapual jo luauuigdtut IEira)euz n9(10 JO ,ivadord aqi Jo arnliapoj sapnpard luatu$pnf s,aapual ui `1utt1 $ugnr u glum passiulsip aq of 2uipaaoord 10 1.1090E 01I1 guisnEO Aq `61 uoiloas ui papinoad s91 alulsuiar `parrn000 sett uonEralaooe J! `pue llnelap g Bons amo ueo ramonog •luatunrisui Alunoas sup spun slgSta JO Alladord att1 ui isaraiut s,rapua' 3o luauuiEduii etralutu ra1(10 10 Anadord agf 3o arnupjroj ui Tulsa' pinoO `luatugpnf s,rapua1 ui `feg1 ungaq si `eunuuo JO unto raglagm `guipaaoord JO uotloe 3i iinE3ap ui aq hugs ramouog •spaaoord snoauellaosm 01 pregar ui uolfou 10 igStr u 5919( ramorrog tuo9(M 1stquge Aped agl ro spaaoord snoatregaostiA aamorrog samo ierp Ailed pigs att1 sueatu „Aped guisoddp„ •anp wry um JO ratpagm `luatunrlsui'Ciimoas sup Aq pamoas stuns agi 01 10 Iinadord alp 3o .ir dar 10 U0I1E101Sa1 o1 raglla spaaOOrd snoaueiiaosm agf Aiddg pue loaiioo 01 pazuo9(1ne Si rapuaT `uanig si aopou agl alup alp ra1ue situp p£ umuM rapua' 01 puodsar o1 sue ramorrog `sagEtuep ro3 tumEio E alllaS 01 prune UE a)fEU1 01 SIOJJO (aoualuas lxau agi ui paugap se) Ailed gutsoddp alp 191911 ramorrog o1 rapuai ,tq apil0u rage `;i ro `ramo.uog pauopuequ Si Anadord agi 3I •anp tram art stuns agl 1ou JO rattla9(M luauliulsui'li.moas sup Sq pamoas sums alp 01 paiiddE aq iiEgs spaaoord snoaUEiiaos!IA 0911 `guilirm ui 001 e asimuoipo aapua- pue ramorrog ssaiun 'amen ui SSOL JO `uouonrlsap `gupigl eiued a9(1 arojaq Aia1Eipaunui pamoas stuns alp Jo lunouue alp uEgi ssai Si amen ui ssoi JO `uoponrlsap `guppi etlrEd agi arojaq AialEipaunui Alradord 0911 3o amen 1a�irEUI r!E3 alp goulm ui Anadord ate Jo amen ui ssoi ao `uoifonuisap `$umel eilrEd u 30 Juana 0911 ui •ramo1og of pied aq iiegs aouEjEq .kud anien ui ssoi JO `uoilonrisap `SupiE1 eiu d aril =Jag Iiia1Eipaunui Anadord ag1 JO awn lmpEtu 1!913 agi (q) Aq papinip amen ui ssoi JO `uopoiulsap iunpl pined 0911 arojaq kialgipaunui pamoas sums alp 3o lunouIE IEIOI agl (E) :uopoEr3 guimoiio; 0911 paiiduintu spaaoord snoaueiposm am Jo lunouIE 0911 iq pampa' aq gulls fuaumnsui 'tlunoas sup itq pamoas stuns alp Iuilum ui 001.E asIMraglo rapua( puE ramorrog ssaiun `anion ut ssoi JO `uoIIOnrlsap `2upiel ingied 0911 arojaq iiialeipaUIUl! luaulf Asti Aumoas snit At pamoas sums alp Jo lunouIE 0911 u9g1 10191012 JO 01 Tuba si amen u1 ssoi ro `u0t1Onrlsap `2unel reined 0111 arojaq Itjal91ipaUnui inad0rd 0911 Jo anien 10)1rutu riEj 0911 gOigM ui Alradord 0911 Jo amen ui ssoi JO `uoilonrlsap `2upiel m m i lrEd E JO Juana 09(1 uI •ramorrog o1 mud `Atm 3i `ssaoxa alp gum `anp tram 1ou JO raglagm luatunAsui ,iurnoas sup Aq pamoas sums 0111 01 paiiddE aq iiegs spaaoord snoaueliaosIN 0911 'itnadord 0911 3o amen ui ssoi 10 `uoilOnrlsap `2upJEl p101 E Jo Juana alp uI •Z uoiloas ut roj papinord aapro 0941 ui paiiddE aq 1egs spaaoord snoaugiiaosiJ, Bons •ramorrog o1 pied 'Cue ji `ssaoxa 0911 glum `anp tram lot JO rattla1M `luaumrlsul Aurnoas sup Aq pamoas stuns 0911 01 paiiddE aq iiEgs spaao0rd snoauEiiaosm 0911 `pauassai aq pinom fillmoas S,rapua7 JO aigtseaj iiteoituouooa 1ou si medal 10 uoilurolsar att13I 'spaao0rd snoau91iiaOS(JA lions uo atrium 10 lsaralui Niue ramouog iced 01 partnbar aq 1ou iiEgs rapuari `spaaoord snoaUEiiaOS!N lions uo pied aq o1 Isamalui sarinbar M91-I aigeoiiddd JO 2uiluM ui apEUI sr luatuaar291 tie ssaiun •palaidtuoo Si XroM aq1 se sluatu1f9d ssar2ord Jo sauas E ui JO luatuasmgs!p al2uis u ui u011EZ01sar pug srredar 0911 roj ,ied et91W rapua7 *Alldtumrd ua)TEnapun aq imp uoiioadsui lions 1919(1 papinord `uo1IOEjsilES s,rapual 01 palaiduroo uaaq 59191 vont 09(1 amsua o1 Anadord tens loadsui 01 Auunnoddo ue p91g set' Japual itlun spaaoord snoauegaOSii^i lions Nog 01 11(2(1 0911 angg 1egs rapua' `pouad uoUEIolsar pug ri91dar 9(Ons 2uirf( •pauassai 1ou si 1i1fOas s,rapual pug aigisea; AgeoRtrouoOa s1 riEdar 10 uotIErolsar a9(1 j! '1inadord Oip 3o ri91da1 JO u0ilg1Olsar 01 paiiddE aq Hugs Spaao0rd snoaUEiiaOSii^i lions `pagetugp si Anadord 0 u13I •rapua-i 01 mud aq iegs pug o1 pau2tss91 (garaq 0191 spaaoord snoauvIlooSiyAi iid •aanliaJao,i :spaaaoad snoauullaasgx Jo luatuu2issy '11 'uoTputquuOl ao uollglla0Uga gans Jo atop mu 111 pauagatm aaaM ;91 sumialaad OOUgansul a91S1aoj j SUE 3o punjaa 91 aAia0aa o1 ao/pu91 ',fll8aoutuolnU pal9uiulaal ommansul A91Slaoy\i aL1 an91( 01 'aOU91ansul agalaoy&i 0113 Jo uoilgllaauIa uimlgo pug lsanbaa o1 'saansopsip ui91laaa OAiaaaa o1 1113p 01(1 apnlaui ,Guru swap asa1(Z •M91l aa1(l° fug ao 8661 Jo 1od uoi3Oaload saauMOatuog atll aapun aanuansul aSuniojAi 01(1 0l padsaa glum Sou 31 sg1( aanoaaog slg3la 01(1 pang lot iitm sluatuaaaf91 gam Soy (q) 087'45'40 167 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. ®6(WY) (0005) Page 10 of 15 Initials: Form 3051 1/01 LO /L L 50 WJOA R9T vr ,Zie!INI 5 L !o L l °Lied VdSg?I uoituuuolep Jag10 Niue pue °pew aq pings sluatuSed gacgm 01 ssalppe ail `Jaopnus ueo'j mau am Jo ssalppe pue aureu am awls litm gomm a2uego am Jo 3°!1°11 uauum uanp2 aq Il1M 1amouog `.iaotn. OS ueo'1 MB 1O OStreg° a si a1atp 1i •a10N at 1 JO ores a c'1 paleiatun laopnlas treol ail JO saueio anti! 10 auo aq lq iui oslg 3131U, *Meg aigeopddy pue luauin.nsui Alunoas spgl `aloN 3141 Japun seouapgo 3upp uas ueol a�e51.1oul zaglo suuojiad pue luatutulsui Suinoas sip pug 310 ail npun anp sluatuSed oppotlad sloop°° VIP J0o!1u s ueo ail se umouni) ICljtua 3141 up auto a up 1lnsai l ales y 1amo11og 01 3°11°11 loud 1nogtpm satupl 010111 Jo auo Nos aq ueo (tuatunJlsui Stunoas spit ium zaglaWol) a1oN ail ut Isamu!! Iupued a J0 a1ON ata •a3U AatiO JO aOp ;°N :JONAJOS ueo1 Jo a tint° :a ;oN Jo ales 'OZ '8! uoloas iapun uopeiaiaooe jo aseo 3141 up ,Cidde lou pugs atelsutal o1 1142U spgl `lanamoH •palm03o peg uopleIaiaooe ou1i Se 3np103333 AIM; upeul3.1 pegs Agaiag pains e$iigo pee 1u3tunJ1sui Animas spit `13mo110g Ag luatualulsunt uodn •JalsueIZ spund Opo mpolg (p) 10 :Sum 10 Alpie1uatun11Sui `iiOUa2e ielapal a Xq p3Jnsup are susodap asogm uopnlplsui ug uodn umelp si pat o ions Cue pappnoJd `pioato s 10 )loago s,lainseall `pat o lueq `Moog° pagpiao (o) :Japmo Sauow (q) :gm (e) :npua-i comps se `suuo3 'uimoiiol ail jo atom 10 auo up sasuadxa pug sums luatuatelsupat ions iced Jamollog 114141 aimba.i Sew JapuaJ •pauut oun anupuo3 'Ms `leatittutsui i(lunOas Spit palnoas sums 3141 ,Cud 01 uoplapigo s,Jam0J10g pue luae /umoas spit npun S1I !1 puu Auadold ail up 1satatut s,.iapuai 1°141 alnsse c'1 a.imbai Sigguoseai Amu Japual se wpm ions sa)fet (p) pue :1uatunJlsui iilunoas spit npun sup' pue Auadold am up ma'am! s,.iaptiai 2ut1Oatold jo asodlnd ail Jot p3Jlnout saaJ Jail° pue `saaj uoplenien pue uonoadsup Suadoid `saaj ,s,iauioue aigeuosga.i `01 palptull 1ou inq `2uppnpup `1uatufJtsui Aumoas u!lolua 111 paunoui sasuadxa pig sited (0) `sluatuaaJ3u 10 sureuanoO tail° ,Cue Jo 1ineJap Sue sam0 (q) `paJin330 peg uoptelaia3Og 011 se aloN aril pue leateiutsui Itun0as spit npun anp aq mom uagl gopgm stuns pig Japuari spied (e) :1amonog 1°141 are suopltpuoo asogj •tuatunJtsui Allmon spit 2u!101ua luauapnf a Jo Sum (o) 10 `.a1etsuP1 01 11.141 s,lamortog Jo uoueunzuat 3141 101 jpoads 1g2p n aiquoilddy se pouad nip ions (q) `.luatututsui Stunoas spit up paupuluoo ales jo lamod Sue 01 lutittslnd Suadold atp Jo ales alolaq &Cep ang (e) go mapirea ail 01 loud mtuut Atm 1e panupiuoostp tuatunJtsei Iit spit Jo luatuaoIO3ua angg c'1 1g$u ail aneg pegs 10MO110g `suoplppuo0 umuao sl0am 1OmOf0g 1i •u0l ;eialaaay Ja ;Jy a ;e ;supag O; ;gapg m3mOJJOg '61 •1amo11og uo pueuiap 10 3°11°11 Jagunl tnogum leatunllsul eitun °as spit paupuuad satpatuai Atm allonu1 Sulu Japuari `pouad spit Jo uopteiidxa ail 01 loud stuns amp 1Ced c'1 sm 13m0J10g Ji •luauifJlsul AIufOOs spit Sq paln0as stuns pe iced mum JamoIJOg g0pgm 11tgtpm Si uottoas g11m 00trep1o3Oe up uan!S Si 3011°11 ail amp a141 11101) s&iup 0£ wit ssai 1ou JO pouad e appnoid pegs 30I10u 314,E •UO 1Uala00e 1c' a0tlou Jamo.uog anp$ pegs lapua'l `uopldo spit sasPJaxa 10puai 1I alquogddy �Cq palpgpgold Si aspOlaxa ions 11 1apu07 Aq pasIJaxa aq lou Begs uoptdo stg1 `lanamoH •luatunilsui Ji1un00s spit sq paln0as sums He 1 unl up luatuSed ampulla!! aunbai Amu Japua-i luasuoO uauum loud s lnogum (pauojsuu11 so plos Si JamoJJOg up lS0101up Igrtjauaq a pue uoslad 1e1n1eu a lou si 1amo11Og 1t 10) pa1101sug11 10 plc's 5! ,ivadold ail up ma'am' SUE 10 iivadoJd alp jo ued Cue Jo lte 1I •1asegOJnd g 01 amp aJnIn1 a 1e 1Om0110g ziq app 10 JajsueII ag1 Si gopgm Jo !°alit ail 'luatuaalge mama 10 10°111100 saps tuatupelsut `poop 10J 10°11U00 10j puoq a up pa1J9JS11 1l ma'am igppJauaq 0SOi1 `01 P mu lnq `2uipnput `AUadold 3141 up Isamu! ietog9uaq 10 iu2ai Niue sueaui „,i19dold alp up 1Salatui„ `8! uoUOas stgl up pasn sy •JOA+OJJOg up ;sala ;ui I U)!Jauag e Jo Spatial,' ag; Jo JaJsueii •141 •1U31utulsui'(!!moos spit Jo pie a10N am Jo Ado0 auo uani3 aq pegs 1amoiiog •,CdoD maw: Jog •LI •uotl0e Niue 031°1 01 uoui qqo Niue lnogtpm uo11a10s1p aim sanp2 „Ague„ pJOM 0141 (0) pie :eslan 03!A pie lelnid a141 apnpup pie ueatu pugs 1eln8u1s ail up splom (q) :lapua2 au1uptual 014110 splom 10 splom lalnau Sutpuodsauoo apnp11t pie ueaut lle14s Japua2 aulin0setu ail Jo splom (e) :luauuulsui 1ilun0as st141 up pasn sy •uopspnoJd 2'up10p11uo3 0141 lnogltm 1Oa31a uanp2 aq ueo g0pgm atoN ail J0 luatufJlsui iClun0as spit Jo suopspnold 10i10 Ioa31e 1ou pegs 101111100 ions `met aigeogddy ilim sloujuo0 a1°N a141 10 luatututsui 'C1jn0as spgl Jo asne( 10 uotspnold Cue 1eg1 tuana 0141 uI •10e11uo0 ,iq tuatuaaBu 1sureae uowgtgoid g se panllsuo0 aq 1011 pugs a0ualls dons inq `luaus aq 1tVnu 11.10 10 °111100 sq aa12e 01 sawed ail mo App1idt11i 10 AliP1idxa 1g2ptu me-i alquoilddy me'1 aigeojddy Jc' suopletlui1( pee sluatualinbal Riau 01 10afgns are luatunllsui AlunOaS spit 111 paupetuo0 suopapgo pue sup' 1py 'palm! s( AuadoJd x141 tl0pgm 111 uot_loppsunf agt 10 met 3141 pue me( lelapal Aq pauianoil aq peps luatenJlsui ii11m0aS spa •uop ;OnI1suop Jo sa1"U .,C2p1geaanas SupuJanop '91 15000) (AM)9 CZ tic d;;a:0 169 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of 'any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. ®6(WY) 10005) Initials Page 12 of 15 Form 3051 1/01 L0 /L L50£ unoI 9L 1O E L aBed MOO) (AM19 m •SulumAM jo smex uotlduiaxa pealsauuog atp jo anuT■ Act pue iapun slggu 'Hu sanTem pue saseapi lamouog •saantUM 'bZ algeoglddd iapun paniuuad s! aaJ aui1 jo Su!;3aego ag; pue pampa! sa0!M s Jo; /Cued p n i r oa pted s! aaj alp ji /Cluo ;nq ;uaumu ;suI Xl!moas sup 3uwweaiai io3 aaj a aamouog aSaego Arm iapua- s;soo uouepiooa.z fur /Cud Ixe11s lamouog •luawniisui 'Cumoas sup amp.' !Tugs zapual `luauma1sui iilunoaS sup Aq pampas sums !iv jo IuaulArd uodn •asualau '£Z •;i o; pal ;u;ua £!luau suosaad ao uosaad aq; o; ssaaxa Attu (a) puu :;uauma ;suI A;Ianaas slq; ,fq palms stuns Hu o; (q) :saaj ,sSauao ;u alquuosuaa '0; pa;null ;ou ;nq 'Su!pnpul 'am aq; jo sasuadxa lit o; (e) :aapao SulAnolloj aq; uI pallddu aq slugs alts aq; jo spaaaoad aq j •alus ,fuu ;u Spadoaa aq; asrgaand Sum aauaisap s ;I ao aapuari itu alquagddv pagiaasaad aauuuuu aq; u! P1os aq !lugs Siadoad aq; pug 'ales jo aat ;ou aq; gsgqnd Hugs aapuari •Si uot;aas uI paptnoad aauurw aq; uI aanMoaaog o; aim aq; 3o aat;ou anl3 !legs aapuai •MU'I alquaulddy Tim aauupaoaan ui ';uaaa331P 3I 'Spadoad aq; jo uolssassod uI uosiad aq; o; pug aamoaaog o; asopaao3 0; maw! 3o aal;ou aA1S Hugs aapua7 'airs jo aamod aq; saMonuu aapua7 JI •aauapina am; jo s;soa puu saaj ,sLauao ;r alquuosraa 'o; pa ;u. uq ;ou ;nq lutpnpul 'ZZ uol ;aas suq; uI papinoad saxpauuaa aq; 2ulnsand uI paaanaul sasuadxa lie ;aalloa o; paimua aq Hugs aapual •me•I aiquagddd £q pa ;nuuad saipauuaa aaq ;o Luu pug ales jo aaAtod aq; aIonuu Sem put puuuuap Jaq;.mu ;noq ;Im ;uauuna ;suI ,f;Ianaas slq; ,fq painaas sums lie jo Hn3 uI ;uatuSud a;ulpaunuT aaxnbaa Sum uoi ;do s ;t ;u aapua7 'aal;ou aq; uI pampads a ;up aq; aaojaq ao uo paana ;019 sI ;ingpap aq; .II •alas pug uol;uaaIaaar o; aaAtoaaog jo asua ;ap aaq ;o ,feu ao ;Inejap u Jo aaua;sixa -uou aq; ;aassu o; uol ;au 3no3 g Sulaq o; ;Op aq; put uou;uaa1aaau as ;wu a;e;suxaa o; ;Op aq; jo aamoaaog tempul aaq ;anu hers aal ;ou aq,i •,f;aadoad aq; jo aim put ;uauma ;suI ,f;Ianaas spy �fq paanaas sumps aq; jo uol;raalaaau uI ;Insaa Meat aapou aq; uI paijiads a;gp aq; aaojaq ao uo ;Inuiap aq; aana o; aanlu193 ;1911; (p) put :palm aq ;snui ;Inu3ap aq; goxgm £q 'aa.uoaaog o; uaA!3 sI aal ;ou aq; a ;up aq; cum s,fup 0£ u19q; ssai ;ou''a ;up a (a) :;Inujap aq; aana o; paalnbaa uoi ;au aq; (q) f;Inejap aq; (u) :,fjp ds Hugs aal;ou aqj •(asimaaq ;o saptnoad MW aiqualiddv ssaiun 9i uolpas aapun uol ;uaalaaau o; aoud ;ou ;nq) ;uacuna ;suI ;Ianaas slq; u! ;uautaaann ao ;ueuanoa Suit jo gauaaq maMoaaog NulnMoxxo3 not ;uaalaaau 0; aoud aaMoaaog o; aal;ou ants 1119115 aapual •salpauuag :uol;uaalaaaV 'ZZ :smoxxoj sr aaige pue lueuanoo .iagunj npua pue iamouog •SINIvNgAOO V IOdINf1 0 I 08 Witnesses: 6(WY) 10005) Page 14 of 15 t JENNIFER 171 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. 7 I G/ 57' l__ (Seal) Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3051 1 /01 LO /L L90E WJod g 4O sL eBed �sleiliul :ss SlunoD F,LT {e000) IAMI09 £0 /ZZ /6 :sandxa uoisstunuo3 ,sy� Noses ua.INNWr Sq TOO £0 ZI2idV sup aui aiopq pa3paTmouxas sum luauuWsui &uio2azoj ate, `ONIIkIOAAA {O aIVZS 8550660 PUDR- 3150 -1 0872520 17 3 PLANNED UNIT DEVELOPMENT RIDER THIS PLANNED UNIT DEVELOPMENT RIDER is made this 3RD day of APRIL, 2001 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument of the same date, given by the undersigned (the "Borrower to secure Borrower's Note to WELLS FARGO HOME MORTGAGE, INC. (the "Lender of the same date and covering the Property described in the Security Instrument and located at: 210 SNAKE RIVER DRIVE 6, ALPINE, WY 83128 [Property Address] The Property includes, but is not limited to, a parcel of land improved with a dwelling, together with other such parcels and certain common areas and facilities, as described in COVENANTS, CONDITIONS AND RESTRICTIONS (the "Declaration The Property is a part of a planned unit development known as [Name of Planned Unit Development] (the "PUD The Property also includes Borrower's interest in the homeowners association or equivalent entity owning or managing the common areas and facilities of the PUD (the "Owners Association and the uses, benefits and proceeds of Borrower's interest. PUD COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. PUD Obligations. Borrower shall perform all of Borrower's obligations under the PUD's Constituent Documents. The "Constituent Documents" are the (i) Declaration; (ii) articles of incorporation, trust instrument or any equivalent document which creates the Owners Association; and (iii) any by -laws or other rules or regulations of the Owners Association: Borrower shall promptly pay, when due, all dues and assessments imposed pursuant to the Constituent Documents. MULTISTATE PUD RIDER Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3150 1/01 n Page 1 of 3 Initials: k- VMP MORTGAGE FORMS (800)521 -7291 -7R (0008) 11 1 1 1 11 1 LO /L OSLE (mod 1 V n sIeil!u1 Y E 40 Z aged (8000) ac •luatuicud Vupsanbai lamozlog 01 iopual uuo1; aouou uodn 'ma'am! u1IM `ajqu,iud aq pegs pug ME.' a1oN alp 1u luauuasingstp jo amp ant uzo13 lsaialut ivaq hues slunotug asagl `luaut,iud 3o suual 1ag10 of aaag lapurj puu JO M01.1011 ssajun •luauunllsul Alpt133s aq1 Aq pains 1amo11og 3o lgap jguoutppg atuooaq pugs a gdu1kIEd sup .iapun lapua-I pasingstp slunouuu Image iCud ,iEUt lapua-I ua p `anp uagm sluautssassg pug sanp and ,iud lou saop 1amo11og 3I •saipawag i •lapua -j o1 ajquldaoogun uopepossy slaumo atjl Aq pautglutuut a$u1OAO3 aougmsut iCljjtggtj otjgnd uuapua1 jo 1oa3ja ag1 annul pinoM cjotgM uopou Auu (AT) 10 `uoputoosstd s.iaumo age jo luatua uuutu Sias jo uopduunssu pug luatuauugtu jguoissajoid 3o uoimutaual (pi) :zapua-I 3o igauaq ssatdxa aql .toj st uotstnold alp ji „sluauznooQ luanlusuoo„ aq1 JO uotstno1d Cue o1 luatupuauJE Auu (it) `utetuop luaunua 10 uotluumapuoo Aq 2upjgl g to ono am ut 10 iC1JEnsua aatpo 10 aip uopon usap jgtluElsgns 3o asEO age ui mg! Aq paitnbaz uotlEUtuual .to luatuuopuugg .ioj ldaoxa `Qfld am Jo uotluunzual 10 luaumopu uqu alp (i) :o1 luasuoo 10 Avadold ant aptntpgns 10 uotlw d laglua luasuoo ualulm loud s,Japual glim puu lapuai 01 aopou nip ldaoxa `lou pugs 1amo11og •luasuoo aovd yapuaI •a j j uopoas ut papinold st luatunl1sui Alunoas atjl Aq palnoas stuns am 01 .tapual patjddu aq liens spaaoold gons •lapual 01 mud ag pugs pure pauBtssu ,CgaJan WE `uoilguwapuoo Jo naq ut aoueSanuoo iiug .to3 JO 'and ag13O satltjpEJ pue seam uoutuu0o age 10 Auadold ag13o uud AuE 10 jju 3o Wupjgl 1agio 10 uouuuuuapuoo Aug iIIM uotloauuoo ut 1amo11og 01 alquiiud `jepuanbasuoo 10 pang `sautugp 10j tuiEp 10 pzume Atm 3o spaaoold ouj •uotleuuuapuoo •a •lapual 01 05E13/103 JO 11101x0 puu lunouzu `uu1oj ut ajggldaoog Aogod aouminsut Auliquq otjgnd E suiElutguu uotlutoossd slaumo age 1Eg1 alnsut o1 ajgguosea1 aq Amu sg suotlog gons alg1 pugs 1aMO.uog •aourinsuj Amami ajlgnd 'o °1amo11og o1 mud 'Am 3i `ssaoxa anp glim `anp uagl 10u 10 1agla1M luautnulsul ICltlnoas aq1 Xq pamoas sums am 01 spaaoold aq1 Aidde pugs lapuaj •lapual 01 mud aq pugs pug palm iigalag ax 1amonog of ajquAud spaaoold Aug `Qnd ag13o sa!1i WWJ pug sEaiu uotuuuoo 0110 `A11ado1d aq1 01 SSOT utmojlo3 Medal 10 uotlulolsal jo non ut spaaoold aotrelnsui Suadoid 3o uotlnqulstp g Jo lean age uI •Aotjod mum .10 Jammu aq1 Aq paptnozd aulanoo aouumsut 1C11ado1d pannbal at asduj ICuu Jo aotlou 1dtuoid lapuaj ani0 liens 1amo11og •uu0j alp Jo uual uunp a5uugo ego lanigm sup Jo uotltpuoo E sg saltnbai lapual mum •Sotlod uotlutoossy mum() age Aq paptnold st OSEJOA00 pannbai age lggl lualxa age 01 patjspgs patuaap si Suadold ag1 uo aElanoo aouglnsut ,illadoid uIElutgtu 01 S uopoas lapun uotlatjgo s,1aMO11og (n) pug :filmdold aq1 uo aouginsut Alladold 1oj sluatujjglsuu tunuuald Alma( ag1 Jo lapua i o1 luaus ed °tpoilad age 103 uotloas ut uoistnold ag1 santEM lapuaJ (t) :uatp `aotrelnsut salinba1 lapual gotgm 1oj `spoo1; pug savnbipma `01 paltmtj 10U lnq iutpnput `sp1EZUg 1ag10 Niue pure „`a uJanoo papualxa„ tidal atpl utg11M papnjoui spmzgg 'a1uj iCq ssoi 1sum pue `spouad am 103 `(sjanaj ajgtlonpap 'gutpnput) siunoum age ui am/too aouglnsut saptnold gotgm pug lapual 01 k oloujstlgs st gotgm A11ado1d ag1 Sutlnsuu Sogod „la3lugjq„ 10 „lalsutu„ g `1at11EO aou umsut paldaoee JijjUlaua a g11M `surelutguu uotlutoossV slauMo ag1 su 5uoj os •aaueansui Apado°id •g BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this PUD Rider. 175 (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) (Seal) (Seal) CD-7R (0008) Borrower Borrower Borrower Borrower Page 3 of 3 Form 3150 1/01 u A 1 9LT 11 1 1 11 11 •oN ase0 VH3 L6ZL SWa03 3DVDlaO1/4 dWA siewul Z ;o l abed (90L6) 11L85®Z 56/01 aapp 2ulaueui3 aMs►llnNl VH I ao :((i)(p)£ji uotlaaS ui siaddg aallei alp aaagm „azouz Jo luaoiad S6„ ao; poinlpsgns aq pugs „luaoiad OOi le Kiang) apo3 anuanag Ieuzalul alp jo (Z)(i) pu (p)£bi uopoas ui papinoad sr pr `aa;sugal JO aigs atp jo amp aql uo 2uipua pouad iaii -aa up alp jo uud ,itre 2utanp aouapisaa Igdiouud e ui lsa.ialui digszaumo luasaad g peg st'q oqM (n) JO `.apoD anuanag IeuialuI 3111 ;o (z)(i) pu (o)£bi uopoas ui papinoad se IIe `za;sue.il .io aies agl Jape atun aigeuoseai a uiglim aouapisaa It?diaui.zd E se Auadoid alp iidn000 01 paioadxa aq Aigeuoseaa louuea oqM :aaiajsue1l .zatpo ao .asugoind r 01 aamoaaog ,iq pa.z.zaJsue.zl asimaaglo .zo pios si Auadold atp jo lid 10 RN/ (e) :3i luawnalsui Alunoas sigl patinas stuns pr 3o iin3 ui luauhied algipawwt aiinbai Diem °aapt21 2uioueui,d ldwaxg -xuj sigl ;o suoisinoad agl tpim aamonog alp ,iq aouetidwoo 2uunssg ioj uiigtsuodsai atunssu luatutulsui algidas ,iq view se suss ao saossaoons sli 3o Sons ao `aapuag :smoiio3 sr uotlgaaiaoog ao; spuno.d Iuuomppg 2uippu .Cq „`igau ;o uopeiaia y .zo; spunoa9„ pallnua `luaurtulsui Iil!InoaS aq1 ;0 6 gduauid puawg 01 aaa2u pue lueuanoo =pug aapua-1 pure aamoaaog `luawnilsul /lunoas aq1 ui apuuz sluawaaag puu slureuanoo aql 01 uopippu ui •S.LNVAi3AOD 'IVMOI.LI KIV [ssaappv dliadadj 8Z1£8 XM 'SAIIdrIK '9 SAIlIQ ?IMAII MTVIIS OTZ :le paleaol pue luawtulsul iilunoas aq1 ui paquosap Auadoid agl $uiaaA03 pug amp awes ag1 ;o „aapuai OAII 'aDVD.1,11014 SWOH OD IV3 SZrlZM of („aloM aloN s,aamoaaog ainoas 01 aamoaaog pau2isaapun aq1 Aq uan1S amp awes alp jo „luaunulsui Xlunoas paaU 'lunoas ao lsna,i, ;o paaU `a2r2poJA all luawa[ddns pug puature 01 pawaap aq Bugs par o1ui paleaodaooui si pue 'I22Id�i JO Sup allEsig1 apew si 2Ig II2I rDNID NVNI3 idIAigXg SIFLL 2I�QI2I DNIJ NVMId IdJA EIXI XVI EEZO 2I3Ss 0990998 08' 450 0 (iii) At an acquisition cost which is greater than 90 percent of the average area purchase price (greater than 110 percent for targeted area residences), all as provided in Section 143(e) and (i)(2) of the Internal Revenue Code; or (iv) Who has a gross family income in excess of the applicable median family income as provided in Section 143(f) and (i)(2) of the Internal Revenue Code; or (b) Borrower fails to occupy the Property described in the Security Instrument without prior written consent of Lender or its successors or assigns described at the beginning of this Tax- Exempt Financing Rider, or (c) Borrower omits or misrepresents a fact that is material with respect to the provisions of Section 143 of the Internal Revenue Code in an application for the loan secured by this Security Instrument. References are to the Internal Revenue Code as amended and in effect on the date of issuance of bonds, the proceeds of which will be used to finance the purchase of the Security Instrument and are deemed to include the implementing regulations. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Tax- Exempt Financing Rider. 177 (Seal) f1.. 7 Borrower JENNIFER 3'.N Borrower (Seal) (Seal) ©587U (9705) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Page 2 of 2