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HomeMy WebLinkAbout87250511 W 1 LO /L L90£ WJOA 1 11 ONINOAArt 113J3A5V3)1 :IN NV3p 8 0 Pd }f- &J' 10 >18310 r( 3At 333 `''�..Nfoi� 11 W 1 1 1.6L SIANO4 30V0.L OW dl NA 1pirmm S L 1 L 06ed 10'15000) (AM)V9 o -ow z z-Ibo (0o /ii) OLLLAkkaw SH I 1 HIIM 1N3Wf11l1SNI W1HOJINf1 oeyll elppauxaeyll aluueg- Aliwed 9 1 6 U1S-DNIWOAM 'S2IHYAI (888) 'ial `9Z0Z IY\i lu ?Id `9Z0Z xog 'O'd 3o zaqumu auogdaial puu ssazppu us ssg pus `azsmsiaQ jo sMgi alp zapun 2upsixa pus paztusSzo Si S2igYkI •luamnalsui Aianaas mil aapun aaMlaoui agl si gagik •suaissu pus saossaaons s,iapual pus zapua-i zo3 aauiutou u su Slaps 2u si is p uopszodioo alu.zndas s st s igiv aui `sutalsds uorlszlst8aN aiuoilaaig a2u2lzow s! „s •luauinzlsui SII.moas stq aapun zo0s2liouc agl SI zamoiiog NKwoM asiuEvp NII NV '2JHE IVH `I 1) E st „aa,(oaaog„ (g) •luaumoop sigl of szapt2i iiu ga!M zagla2o1 100 Z aii E 11 xdV palup si ZiaigM `luaumoop spo suuaut „luamnalsui Alianaas„ (v) 9� uollaas u! papinozd osis azu ivaumoop spy u! pasn spzoM Jo agusn alp 2utp saint 1/islza0 TZ pus OZ `8T `£Z `TT suoiloaS ui paui ap azs spzom nip pus moiaq paui ap azs luauinaop sup jo suoilaas aidpin u ut pasn spzom 9008SZSZTii09Z90001 i�tlYAI T aDvd 2I Noon [ma Suquoaag ao,3 auj silty aeogy aaedgi EDv9I CLoY AL ot XI, 'SPTTPQ OSii 'anT.za wnaona OSBiiT 3[.z0MgaN TPT U UTd S5UZUOD2wOH S O S V L V SAIOI.LINId IU a39V911a11 fr" 11�115 3S a s1i ta o i spay 3sv313v pazudazd 0 08SZSZ :iagwnN ueo1 EZ4SS NISI 'sgo(IBaTRTTj� OOT 'SuTssos3 uW!PTI W auo •OUI 'voegaN Isfaueuc3 sSuUTO3aumH :o i uznlaj (D) "Lender" is HOMECOMINGS FINANCIAL NETWORK INC. Lender is a CORPORATION organized and existing under the laws of DELAWARE Lender's address is 14850 QUORUM DRIVE, SUITE 450 DALLAS, TX 75240 (E) "Note" means the promissory note signed by Borrower and dated APRIL 3 RD 2 0 01 The Note states that Borrower owes Lender EIGHTY THOUSAND AND NO /100 Dollars (U.S. 8 0 0 0 0.0 0 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later tharMAY 1ST 2 0 31 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: 1 Adjustable Rate Rider Balloon Rider VA Rider MFWY7770 (11/00) 041 252580 -0 6A(WY) (0005).01 (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are describedin Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentationsof, or omissions as to, the value and /or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, RESPA" refers to all requirementsand restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. Condominium Rider 1 1 Second Home Rider Planned Unit Development Ride I 1 -4 Family Rider Biweekly Payment Rider 1 I Other(s) [specify] Page 2 of 15 Initials: i)j 1 Form 3051 1/01 L0 /L L90£ wrod 9L 10 E 96cd Lo•IS000) (AM)v9 :3) 0 09SZ5Z I170 (00 /II) OL.UAMLW •Ajzadozd jean ulzanoa auaulnzasui Ajlznoos uuojtun a ajnpjsuoa of uoljalpstznf Aq suopeuen paaiuzlj gjrnn sjuguanoo uuojtun -uou pug asn jeuopru zoj sjuguanoa urzojtun sauRtuoa LI2IIl3 S SIHI •pzooaz jo saouezqurnoua Aue 01 joafgns `spueuiap pug sunep Ije isup32g Ajzadozd agj of aptj gip Ajjgzaua2 puajap !pm pug sjuezzem zamozzog 'pima/ josaougzqumoua zo3 'Kiang `pazaqulnouaun st Ajzadozd alp imp pug Ajzadozd aqj Aanuoo pug juez2 `a2Ojzouw oi 1119tz alp sgq pug paianuoa Agazag ajejsa agj jo pastas Ajjnjmgj sl zamozzog jegj S1Nvmano ILMO' DIOa •juaumzjsuj Ajunoos scgj Sultaouga pug 2utseajaz `oj pajluig jou jnq `Bulpnpui zapua-j jo pazmbaz uopar Aug o jej of pug gli dozd all jigs pug asopazoj oi jtpu aqj `oj pajtuuj jou jnq `9ulpnput `sjsazajut asoljj jo jjg JO Aug aslozaxa 01 :jg2lz a p sgq (sualsse pug szossaoons s,zapua-j pug zapua-j zoj aaunuou se) S2jgAI `urojsno JO ■ej gjlm SidiUO3 01 Azessaoau jl `jnq `juaumzjsuj Ammlos sup ul zamozzog Aq pajugiS sjsazajul aqj 01 app IrSo! Ajuo spjoq Sggyi jegj saazag pugspuejszapun zamozzog „•Ajzadozd„ aqj sgjuauinzjsui Ajunoas slgj uI of pazzajaz sl 2ulo2ozoj alp jo jjy •juauinzjsuj Ajunoag stljj Aq pazanoa aq osje jiggs suoljlppe pug sjuauzaaejdaz !iv Ajzadozd aqj jo jzed a zajjeazaq JO mou saznjxlj pug `saoueuajznddg `sjuaulasga jjg pug `Ajzadozd alp uo pap= zajjeazaq JO MOU sjuauianozduii aqj H.LIM 2IgH.LBIJ OZ „ssazppy Ajzadozd [2poD d!z] 011E9 2uluro&■ [s !o1 NO.L dFt [120515] ,LSS&i.S SWEIQK 0 E 9 jo ssazppg aqj sgq Ajjuazzno I otgm 00 5 0 T/ O Z Z E 9I Z E :zagmnN QI jaazed 071 goa.zau Thxrd a api?w pue ogaiatj pagaauau uo TeBari [uorlorpsunt 8utproowa Jo aureN] [uopo!psunl 5urp3ooaj jo eddy] N'IODNIZ JO A a gj ut pajeooj Ajzadozd paquosap 2urmojjoj aqj `apes jo zamod gjtm `S J TA JO SU2ISSE pug szossaoons alp 01 pug (su2rssr pug szoss000ns s,zapua-j pug zapua-j zo3 aautu ou se Slops) sumni of Aanuoa pug jug12 Wallow Agazag sop zamozzog `asodznd stgj Kid •ajoN aq1 puujuauinzjsuj AjunaaS slip zapun sjuauiaaag pue sjuguanoo s,zamgzzog jo aouguuojzad gip (p) pue :010N agj jo suop1DIdlpoul pug suolsuajxa 'sigma= jjg pug `ueoi alp plum daz alp (T) :zapuarj of saznoasjuauznzasuj AjunoaS spa A.L2I�d011d IH.L NI S.LHDI'I 3O IladSNd2I.L •juauxnzjsuI AjiznoaS sup zo /pue awl alp zapun suope2ggo s,zamozzog pauznsse seg Aped Imp jou JO zagjagm `Ajzadozd gip 01 ajjtj um) Si e jggj Ajzgd Aug sum „aamoaaog jo jsaaajuj ut aossaaanS„ (a) 08'745 MFWY7770 (11/00) 041- 252580 -0 6A(WY) (0005).01 UNIFORMCOVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrowershall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrumentreceived by Lender as payment under the Note or this Security Instrumentis returnedto Lender unpaid, Lender may require that any or all subsequentpayments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer Payments are deemedreceived by Lender when received at the location designated in the Note or at such other location as may be designatedby Lender in accordancewith the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonableperiod of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreementssecuredby this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepaymentsshall 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 Instrumentas a lien or encumbranceon the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, -when and where payable, the amounts Page 4 of 15 .1 Form 3051 1/01 LO /L LSO£ WloI NT g L ;o g a xed Lo•la000) (AMIb9 0 08SZSZ (00 /T 1) OLLLAMM aga 2uuijpuapi aotaou a zamozzog anti Amu zapua i `auautnasui Aaunoas sign zano Aauoudutepm ueo gotgM ua!T a oa poa[gns si Spzadozd alp jo Ind Sun amgasautuuapap zapua- jI •auournzasui iiaunoas saga oa uaii alp 2upeutpzogns zapua- of £zoaonjspesauautaaae ue uag alp jo zapiog aga tutu; saznoas (o) zo :papnpuoo ?sr Outpaaoozd ions spun Aiuo pnq Tutpuad on autpaaoozd asotp aitgM uag alp joauautaozojua agp auanazd oa apnzado uotutdo s ui ipnim autpaaoozd TnaT `ui tau alp joauauraozojua asutnm spuajap zo `Sq gptej pool ui uag alp sisaauoo (q) `.auatuaaae cans 2uiuizojzad st zamozzog se 2uoi os iiTuo anq `zapua-i oa aigeadaoae zauueUr a ut uag alp Sgpaznoas uopaggo alp jo auowiied alp oa 2uftzM ui saaz& (e) :zamozzog ssaiunauatunzpsui Sppnoas sign zano Saizotzd sng goigm =II Niue a2zmgosip Spdtuozd iiegs zamozzog uogoaS ut papinozd zauumtu alp uu utagp pied Tiegs zamozzog `sivaai mozosg aze sutapt OS0Irp my puaaxa aga o j, Aum jt `sauautssassy pue 'good `sang uotaetoossy1ipnznututoD pue `Sue ji `iipzadozd aga 110 SlUaz punoz2 JO smut/Cud pi0gaseai `puatmzasui Allmon sup JOAO ,iatzoud utnppn ueo gotgm £azadozd agp op aigeanquap suoiaisoduu put 'salty `saR1 tp `sauautssassm `saxep Tin end into zamozzog •sual :sagaegg zapua'i �iq ping spun Sum zamozzog oa punjaz Spdurozd iimgs zapua i `auauunzasui *moos sup ,iq pamoas stuns Tie jo iinj ut auaui& d uodn -swam/cud S puotu zi uega azour ou ut anq `vdsaa Irian aounpz000e ut AouatOtjap alp do a p ut oa Azmssaoau aunotte aga zapua] oa /Ted iiegs zamozzog pue `ydsau Aq pazmbaz se zamozzog Xjtaou VIP zapuoq `vdSgg zapun pauijap se `MOZOSO ut pia- spun jo Souatogop n slant!) jI •sauauuied Sitauout ZT Umga azoUt ou ut anq ydSg2i gatmaounpzoxww ut ageazogs aga do alput op Szessaaauaunoute alp zapual oa /Ted TTegs zamozzog pug Vaal' Sgpaztnbaz se zam0110g ,ijtaou Timis zapua -j `ydsga zapun pautjap se `M053S0 ut ppt spun jo aea1OIrs n sr ant!) JI 'VVdSa d TImaoumpz000e ut spun] ssaoxa aga zoj zamozzog op puno3O1 ITmgs zapua- Vaal' zapun pauyap se `M0Z0S0 ut matt spun jo snidzns e su aza jI ddSi32I Aq pazmbaz se spun aga jo 2uyuno)Oe !mum un `aSzry pnotpiM `zamozzog op anti Timis zapua-i spun alp uo pied aq imp asazaput pega `z0A0K10q &ug1IM UT 00z5e Ueo zapua- pup zamozzog 'spun aga uo s &utuzea z0 psazaaut Sum zamozzog fed oa pazinbaz aq iou Hugs zapua -I `spun aga uo pnd aq op asazapui saztnbaz Me'i aigeogddy JO upiJM Ut a pntu stauaUtaaae ue ssaTun amp a Bons a)Teur op zapuai siiuzzad Meg aignogddy pun spun alp uo psazaput zamozzog shdzapua-i ssaTun `stuali Mozosg alp 2uuijizan z0 `aun000m Mozosa alp 2uizAp um CTTenuue `spun alp Bu!Sidde pum 2utpiog zoj zamozzog azntp aou uegs zapual •ydsrni zapun payloads atop alp unga Jape! ou swat' Mo1OSg aga pied oa spun aga Sidde iiets zapua-i lung ueo-i autopi IezapOd SUP Ut JO (paznsut os an spisodap asogm uoianagsut um sr zapua-i 3t `zapua-i 2utpnput) Appua z0 `ipgmauaumzpsut `Soua& iezapaj a Sq paznsut aze spisodap asogM uoianaipsui um ut piag aq Iimgs spun aqj .mm•i aigeatiddy gpTM aouepzo3Oe Ut asTMZagpo zo small MoJOSg aznanj jo saznatpuadxa jo saaeutpsa ajgeuoseaz pue mamp auaz1n jo siseq alp uo anp spun jo punoure agp anuuasa Hugs zapual •ydsgu zapun azinbaz ueo zapuai a aunouze uunutpceum alp paaoxa oa aou (q) pug `ydSg2I zapun payloads amp alp an spun aga Aiddm oa zapua-i ptuuad op puaroijjns (e) aunOUrm Um ut spun ping pun paiTnn 'amp Niue am zapua-i uopoag sup zapun pazinbaz taga aze anga `saunotum Bons ut pun `spun Tie zapUOI oa pied ]lets zamozzog `uopnoonaz Irons uodn `pun SI uoiaoas gatm aouepz000e u! uaniS 0390U a [iq atutp Sue pe Surapi monsg ITm JO SUP 04 SP zantlM aga 0)10n01 STEW zapua'T •aunotte ions Niue zapua-i oa Amdaz oa 6 UOTp S zapun paanggo aq uaga Timis zamozzog pue aunoUrm goes ,Ted par 6 uotaoaS zapun spi2p sat astozax0 Amu zapua-i `uuaai Mozosg um zoj anp aunoute aga d op sJtej zamozzog pue `zanium a op pumnsznd `Apoazip small Mozosg Smd op maw) st zamozzog ji .6 uotpoas ut pasn st „auauraaz2u pue aueuanOO„ 03E10 01U se `auauinzpsui /ill sign ut paurauooauautaaam pue aumuanoo n aq oipautaap aq sasodznd Tie zoj ITegs sidtaoaz apInozd op pug spuattXed Irons arm op uotpaggo s,zamozzog •azunbaz ,ieut zapua -i se pound amp lions Ufl TM auawaed tons &uTOuapina sadtaoaz zapua] 0a gstuznj Timis `saztnbazzapua1 jt `pue zapua-i iiq pantmmuaaq set spun jo auauthd gOtgM zoj swan MOZOSg Niue zoj anp MPWY7770 (11 /00) 041- 252580 -0 6A)WY) (0005).01 Page 8 of 15 123 lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakesand floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and /oras an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was requiredby Lender, shall be applied to restorationor repair of the Property, if the restorationor repair is economically feasible and Lender's security is not lessened. During such repair and restorationperiod, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restorationin a single payment or in a series of progress payments as the work is completed. Unless an agreementis made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restorationor 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 Form 3051 1 /01 LOU L50£ 'mod 5 L 40 L e6ed wis000) (Am)vg-t:10 0 085Z5Z (00 /pi) OLLLAM1IK ajgeuoseaz 2uuied (o) pue `.1Jnoo ur duueadde (q) :luaiungsuj ,iaunoas sigp zano ,iluoud set( goigq uaij e ,iq paznoas sums Sur &ui,ied (e) :ol pa)itug jou an 1nq `apnpui ueo suoipoe s,zapua -j •,ipzadozd aq1 2up edazio /pue 2uunoas pue 'Spada'," agp jo anjen ail 2uissassezo /pue 2urpaapoid 2uipnpui `puatunJasuj ,ilunoas slip Japan spgpu pue Spada'," am ur psaia)ui s,zapu0 -1 palozd op aleudoidde Jo ajgeuoseaz sr Janapegm Joj pied pug op SEM Japua-j imp 5ipzadozd a "Ippauopuege set' zaMozzog (o) Jo `(suogejn$az Jo smut 03zoju0 o; Jo auatunzpsuj ,iaunoas site "ono Apuoud ureale ,iem "prim uaq e jo auaumazojua Joj 'aznpiajzoj zouoipeuumpuoo Joj `aaegozd ',ioadnzajueq ui &uipaaoozd a se Bons) juatunJpsuj Slunoas srgp zapun sitpuJo /pue Sliadozd a "I1 ur isa rajui s,Japuai poajje Spueoijiu2Ts aerp 2urpaaoozd'e2a1 a Si amp (q) `luarunzlsuj Ii1unoas sup urpauTeauoosauatuaaJ2e pue sjueuanoo 0111 tuzojzad 01 sjiej zaMozzog (e) jj •;uauina ;suj SjpnaaS sigj aapua s)qpg pug Apadoad aqp uj ;saaa;uj vrapuarj jo uo[ ;oa ;oad '6 •aouapisaz jediouizd s,zamozzog se iipzadozd otp jo ,iouedn000 s,Jemozzog SuiuzaouoosuoTpepuasaJdaz `ol palling you aze pnq `apnpuisuoraeauasaJdaz jeu0pej^I •ueorj alp gprm uoiaoauuoo ur (uoiaetuzojuT IeuOaeuT gpim Japua apinozd op pajtej Jo) Japua-j o)spuatuaaels Jo uoipetuzojuia)eznooeui JO `2urpeajsiur `asiej SileiJapeui oika puasuoo Jo apajmom s,Jamozzog gpim Jo zaMozzog jo uoip azip aqa ju 2upoe saipipu0 Jo suoszad ,iue JO zaMozzog `ssaoozd uoTpeoijdde ueo-j agp 2uunp `ji ajnejap ui aq Ijegs zaMozzog •uo► ;eojjddy ueo1 yamo.iaog •g •asnea ajgeuoseaz "Ions 2ui&jroads uoiaoadsui Joizapur ire "Ions op zoud zo jo amp alp pe aopou zaMozzog anr2 jp qs zapua -j •kazadozd a111 uo sauatuanozdun agp jo zoua)ur agp padsui ti Japua-j `asneo ajgeuoseaz set' ai jI l)Jadozd agp jo suoipoadsur pue uodn soul= ajgeuoseaz alum Sem luau spi Jo Japua-j •uoipezopsaz Jo ziedaz ions jo uopajdruoo am zoj uorpe3ggo s,Jamozzog jo panagaz you sr Jamozzog 'Spada'," am azoasaz Jo ziedaz op puaroijjns )ou aze spaaoozduoipeumapuoo Jo aoueznsur alp jj •pojajduroo sr zpoM am se s)uauuied ssai2ozd jo sauas a ur JO luaimied aj2uis a uiuoIpezopsaJ pue snedaz ai p zojspaaoozd aszngstp Sum Japuarj •sasodznd ions zoj spaaoozdpaseajez seq zapua -j ji Siuo Iiazadozd alp Suuolsaz Jo &truiedaz zoj ajgisuodsa1 aq hugs zaMozzog `ii1Jadozd agp `jo 2u1ajep am Jo `o) aSeuiep gpim uorloauuoo ur pied aze spaaoozduoipeutuapuoo zo aoueznsur jj •aeun p Jo UOIlEJOIJO)ap Jagp1nj prone op paetuep ji ,iliadoid am Jredaz Apduiozd Begs zaMozzog `ajgiseaj ,ijjeoiuiouooa jou sr uoTpezopsa1 Jo ziedaz imp S uoipoas op luenszndpau!uuojap sT 1i ssajun •uoTlipuoo spi op anp anjen ui 2uiseazoap zo 2utpezoriapap uWOJj dpzadozd agp puanaid op zapzo uT Spada'," agp uiepuietu Ilegs zaMozzog `,ipzadoid agp ur urpisaz sr JamoJJOg jou JO JagaagM •,ipzadoJd 0111 u0 01SUM piurcuoo Jo apezoualap oa ,ipzadozd aijp moire 'Spacial," agp ziedtuu Jo aSetuep `&ozasap lou jjegs zaMozzog •suoi;oadsuj :Saadoad aq) jo not ;aa ;oad puu aaueua;utejij `uoj;eMasaad 'L •jo1luoo s,zamozzog puo&aq aze goigM pspra saouepstunoUio 2ugenuaaxa ssajun Jo 'pjatjlp1M Xjgeuoseazun aq jou Hugs auasuoo "prim `2uipuM uT saaae asjMJagpo Japua-j ssajun `,iouedn000 jo a)ep agp zapje zeaA auo Iseaj pe zoj aouapisaz jedTOuud s,Jamozzog se Spadozd agp Xdn000 op anuipuoo jp qs pue auamni)suj dpunoas sup jo uoipnoaxa agp nip s,iep 09 upgpiM aouapisaz jediouud s,JOMOJJOg se dlzadozd 01.11 asn pue `gsijgepsa `Sdn000 Hulls zaMozzog •.fauudnaa0 '9 'am) uagp you Jo Jagp11M `puauinzpsuj ,ipunoas sig1 zo a1oN am /Noun piedun spunotue ,ied op Jo Spada'," am azopsaJ Jo ziedaz of Jarmo spaaoozdaoueznsun agp asn Amur zapua' j •,ipzado1d agp jo aeJanoo am oa a'geoijdde aze saqpu Bans se Jejosui `,ipzadozd agp 2uIJ2noo saroijod aoueznsur jIe zapun (Jamozzog Aq pied suinrurazd pauzeaun jo punjaJ Sue of 1g2u agp uegp nip) sup." s,zaMOIJOg jo J01110 Niue (q) pug `puatunJlsuj Lfaunoas si "I1 Jo a1oN am zapun piedun spunoure agp paaoxa op you punoure rig ui spaaoozd aoueznsur Niue 01 spgpu s,zaMOZZOg (e) Japuaq 01 su2Isse ,igazaq zaMozzog `asrmzagpo Jo ZZ uopoos zapun /i1Jado1d ag1 sazmboe zapuarj ji zo `p rang zagpia uj Si 03 a "I1 uagm ui2aq 'um pouad Sep am, •uriep am appal pue alepo2au Sum Japing tram `uriep a appal o) pazajjo seq zaumo aoueznsur am aega zapua -j uIOZj aagou a 01 &iep 0£ urgp!M puodsaz jou saop Jamozzog jj •szaaaeur paaejaz pue mrep aoueznsur ajgejiene ,rue a ppas pug aleipo2au `apj Arm zapua -j `A)Jadozd am suopuege zaMozzog jj •Z uopoas uT zoj papinozd Japzo agp uT pagdde oq Ijegs spaaoozd aoueznsur goes •zaMozzog op pied `Sue ji `ssaoxa agp 08 725 i attorneys' fees to protect its interest in the Property and /orrights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiumsrequired to maintain the Mortgage Insurancein effect. If, for any reason, the Mortgage Insurance coverage requiredby Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designatedpayments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until Lender's requirementfor Mortgage Insurance ends in accordancewith any written agreementbetween Borrower and Lender providing for such terminationor until terminationis requiredby Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreementswith other parties that share or modify their risk, or reducelosses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreementsmay require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be 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. MFWY7770 (11/00) 041 252580 -0 -6A(WY) (0005).01 Page 8 of 15 Initials 1 2 5 Form 3051 1/01 �zr L0 /L L50£ wJoI 9l to 6 eBed Lo ls000) (AM)119 0 08SZSZ (00 /II) OLLLAMJVI uolpoas ui zo3 papinozd zapzo alt u1 pattdde aq togs Xtzadozd aq) jo ztrdaz JO uoupezo1saz 01 paridde 10u an 1m1 spaaoozd snoaurtlaoSm tip •zapua-1 01 pied aq netts pue pau5!ssu Agazaq azr Xpadozd alp uu psazalut s,zapua'i 3o)uutuurdun alt otalge)nquppr OM lei) s0Selurp zo3 lump JO pzeme Aug jo spaaoozd aqi, •pualunzpsui Atunaas sign zapun spj a zo Xpadozd aqa ui psazaaui s,zapuael 301uauuledurt Ieiza)ew zalpo JO S)zadozd pip jo aznaiajzo3 sapnloazd `)uawapnf s,zapua-i uu ')egt &ugnz r gpim passiwsip aq o12uipaaaozd zo uopor aga 2utsnea Xq `61 uopoas ui papinozd seamtSIIIaz `pazzn000 srquopezataooe 3i `pue )Ine3ap a goes azno ueo zamozzog •pualunzlsui *moos silt zapun spiAz zo A)zadozd alp ui lsaza)ut s,zapua-I jo puawzieduu teizatelu za11)o JO Apzadozd aq1 3o azntiapo3 ut tins= pinoo `)uauI pnf s,zapua-I ut `trip un2aq si `Ieutwlzo zo Irmo zagpalM `2uipa0oozd zo uoipoe Niue 3i )Ine3ap ut aq netts zamozzog •spaaoozd snoauetiaospAi 01 pirSa1 uI uoltoe jo pp!' a seq zaMOZZOg IuolM 1sure2e Aped aqp JO spaaoozd snoaueiiaosm zamozzog samo pmt Spied pulp alt suraw „4pzed 2ursoddp„ •anp uaq) you zO zagpalm`)uaumzpsui Allmon sup Agpamoas stuns alp o) JO Allah/T al) 3o ztedaz JO uoI)ezopsaz o) zaglia spaaoozd snoaueiiaosm alp Aidde pue palloo op pazuoq)ne si zapuari `uani2 si 0390u gip amp alp JOUR sip p£ utgplM zapuari o) puodsaz op sitr3 Jamozzog `sairulep zo3 tupelo r aptas pzeme ue arm o) sza33o (OOUaluas pxau 0111 ui paut se) Apzed &Todd° alp 1eg1 1aMOZZOg o) zapua-j 'iq aolpou loop `3i zo `1 Mozzog pauopuege sr A1zadozd alp 3I •anp uaq) am sums am 1ou JO zalpagM luaiunz)sui All /mos Stip Aq pamoas stuns all 01 pagdde aq netts spaaoozd snoau1itaos1JAl alp Tuppm u1 aaz2e as1MZag10 zapua' pug zamozzog ssalun `amen ui ssoi JO `uoponzlsap `2upie) irilzed aqa azo3aq Aiaaetpawlui pamoas stuns all 301un0w alp uegt ssai sr amen ut ssoi zo `uotlonz1sap luppl tripled all azo3aq Xta1eipamurr A1zadozd alp 3o amen taolnur jte3 atp goigM ui Xlzadozd aL� JO amen ur SS0j JO `uotlonzlsap Tui)let Ieiped g 3o 1U A 0111 ui •zaMOZZOg 01 pied aq ttezis aourieq &iv amen UT SSOj JO `uollonz)sap `2upirt ogled alp azopaq,cta)ripaulun Ii)zadozd alp 3o amen 1a)lzrtu zte3 0111 (q) papintp amen ut ssot JO `uoi)onz)sap Tupie1 tepzed alp azo3aq ,Ctateipawuu pamoas stuns alp 301unoute mot 0111 (g) :uoi)orz3 &IImoILO3 alp kq paitdi)inuu spaaoozd snoaueitaos1N at!) jo lunowe alp Xq paonpaz aq Hells puawnzlsui ,c)imoas sup iiq pamoas sums aq1 `Su11iUM ur aa1Se asiMZag1O zapua-i pug zamOtiog ssalun `amen u1 ssoi zO `uoponzpsap %tart lelpzed alp azo3aq Alapeipamm puarunzlsui Apiznoas strip /q pamoas stuns al; 3o punoum alp UPI) za1raz JO 01 tenba st amen uI SSOT JO `uOiponz)sap &IDp t let)zed al) azo3aq Aialeipautt t A)zadozd 0111 jo amen 1a3i1eul zte3 a loigM 0111 JO MITA UT ssol JO `uoi1onzlsap Tupirt t e tl zed e 30 liana a uI •zaMOZZOH 01 pied 'Aug 3i `ssaoxa all gaits `anp uatp 1ou zO zagpagm `1uawnzpsui *moos sign Agpamoas stuns alp 01 paiidde aq Ilrgs spaaoozd snoaueiiaosuN alp `Apzadozd aq1 3o amen ut SSOI JO topotlzlsap Tupjrp plot e JO Juana 0141 uI •Z U0T100s ut zo3 papinozd zap() all uu paiiddr aq begs spaaoozd snoauriposm lions •1 MOZZOg 01 pied que 3t `ssaoxa alt g1im `anp uagt tot zo zagpagm `1uawnztsui Alixnoas sup Act patinas sums alp 01 pattdde aq Ilegs spaaoozd snoaueliaosuni a1I1 `pauassal aq pints ic1imoas s,JOpua-i JO aigisea3 Sllroiwouooa 1ou sr =dal zouollezopsaz alp 3i •spaaoozd snoauriiaostJ j lions uo s2utuz %O JO 1saz01u1 ,cur zaMOZZOg iced 01 pazmbaz aq toll Ilegs zapua-I `spaaoozd snoaurllaosm goes uo pled aq 01 tsazaaut sazmbaz twj atgeogddy zo 2u11i1M ui apew slpuatraaz2e ur ssaiun •pataidluoo si )Izom aqp se sluatnced ssaBozd 3O sauas a ut zo tusutaszngsip al2u1s a ui uollezotsaz pue sztedaz alp zo3 And Firm zapua-i •Xpdiu0Zduar1zapun aq digs uorpoadsut Ipus trip papin `uot1oejsiles s,zapua-i op palaiduloa uaaq Si e )IzoM aga amsua 01 Ii1zadozd lions poadsul 01 iiliunizoddo ue pelt sett zapua-i Iilun spaaoozd snoaueilaosm lions Rog 01 1112I alp aneg Ite11s zapua-I `potzaduoitez0)saz pug ziedaz Mons &uptta •pauassal 1ou s1 Xttznoas s,zapua1 pue algisea3 &tteottuouooa si zledIaz JO uo11ezo1s0z alp 3i `Iilzadozd x111 jo ziedaz zo uoprzotsaz 01 patldde aq iirls spaaoozd snoaueilaosIJAI ions `partuep sr Atzadozd alp 3I °zapua-i 01 pied aq Hugs pue 01 pau8isse &gazag am spaaoozd snoaueitaos1 Hy •aan ;lapao3 :spaaaoad snoauellaaslytI 30 ;uawu.2tssV •i1 •uol ;eulwaap ao uoipellaaueo gains 3o awn aqp ;e pauaeaun aaat% ;rip swnlwaad aaueansul a2e2laoy%i fur jo punjaa anlaaaa o; ao /pul qlltalirwopne papeutwaap aoueansul a2n2jaomi aqi aAIq o; 'aauransul a3e2paoJAi aq2 3o uopellaauea ulepgo pun 3sanbaa o; 'saansopslp uteaaaa anlaaaa op 1g2la aqa apnpul 'few saAa asagy •Atel aagpo Xue 10 8661 JO ;ay uogaapoad saauMoawolll aqa aapun aautansul a2e2jam aq; o; padsaa q ;lit icun 3t srq aanoaaog s;g2ia aqp pane you mAA s)uawaaaae gans At (q) jr, 0872505 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortizationof the sums securedby this Security Instrumentgrantedby Lender to Borrower or any Successor in Interest of Borrower shall not operateto release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commenceproceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortizationof the sums securedby this Security Instrumentby reason of any demandmadeby the original Borrower or any Successors in Interest of Borrower. Any forbearanceby Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodationswith regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrumentin writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrumentunless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrumentto charge a specific fee to Borrower shall not be 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 interpretedso that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permittedlimit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connectionwith this Security Instrumentshall be deemedto have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. MFWY7770 (11/00) 041- 252580 -0 6A(WY) (0005).01 Page 10 of 15 12 Form 3051 1/01 L0 /L L90E waoA :sieiuui 511 io L L *Bed L0190001 (AMIV9 o Ib0 (00 /T I) OLLLAM/INI ydSg2l uoiaeutzojut nip() Aug pug apeut aq pinogs sluatuked tp!gm of ss0zppg alp `z0ot' s ueo-i mat zip jo ssazppr pue atzgU gip awls JJJ 14O11IM 021m1P agp JO aopou uallt1M uantg aq MAN zaMOJI0g `zaotn1OS Ur01014130 auego a Si az0141 3I .0 1 0 N alp jo airs g olpalgiaz JOOtnzas UE0'T ail 3o saury 21OLl1 zo 0110 aq Iggtui osir gnu, .Mr-( aigrot(ddy pug `1uau1niisul Allmon sup `al°M otp zapun suopatigo &utotnzas ugoi Ae2lzotu Jotpo suuojzad pug luaumzlsui Slunoas 5NN1 pug aloN 0141 Jopun anp sluatuAgd otpouad spoeiioo 3rg3 „zaounzas ugoZ„ alp se umouai) ,ilpua otp ut aBuego g ut 1(nsaz Ig5tut airs y •zamo.tzog oI aotlou zoud Inotplm samq 0,10111 zo auo Nos aq ugo (luomniisui klunoas sup glum zag132o1) a1oN all uI Isaialut (npzrd e JO MOM a14Z •aaugnapn 3o aOiloR :aaapi s ueoi 3o auega `.a3°K 3o aims •OZ •gT u0po0s zapun uoprzaiaoog jo asgo 3141 uI Sidde lot i(rgs 01risuIaz 01 114atz sup `zanaMOid •pazznoOO pequopezaiaaog ou 3t sr 0 nt1 30 33 0 'CUM utrutai iirgs Agaza14 paznoas suopg2ggo puelu3utn gsui Altznoas sup `zamozzog &glu0tlaprisrtoz uodn •zajsugz i, spund 3111043a(g (p) zo `•A1pua z0 iiltirluatunz1sut `Souag iezapa3 a Act paznsut azg sltsodap asogm uopnlpsut ue uodn uMezp sI )ago lions Aug p3ptnozd `a1Oatp s,z31gseo zo patio s,zaznsg3zl `130140 lurq `?100143 pampaO (o) `.z0pz0 (q) `.115110 (g) :zapu0'i pops sr `stuzo3 2111MOiio3 all 30 3zom zo auo ut s3su3dxa pug stunsluoutOwl5U131 bons Xrdz3MOZZOg Iggi azmbaz Sietuzapu3Z •pauggOUn anutluoo iiggs `luautnz1sui Altznoas sNN1 Aq paznoas sums og1 pied 01 uopggo Mg/1'10110a pug `luautnzlsui iilunoas sup zapun slg21z pue Aliodozd all u1 lsazalul s,zopua -i 411 amsse 01 ortnbaz Xlgruoseaz Amu zapual sr uopoe Bons sa)igi (p) pug `.4uoumz4suI Aluznoos sup zopun 9145tz pug Alzodozd all ut lsazalut s,zopuori 5u14O04ozd jo asodmd all zo3 pazznout saa3 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'waits oq 4142tUI 1! zo 4311z4uo3 ,iq 001 11 03 sapi11d 0143 Moue 111o1idtut JO 41T3i1dx0 4gptu Mr'1 aigeogddy Mr-i aigrotiddy 3o suo11l1W14 pug s4uattazmbaz Aug 03 loafgns ale lu0tunz1sui *moos sup 111 p0U111pu00 suopaggo pug s4tp1z i(y •p01E301 s1 iazadozd 0144 Iopim 111 uoI1OIpsunf alp 3o mei alp pug mri irsap03 Iiq pauzano2 aq ((r14s 1u0tunzlsul 61uno0s si141 •uoilanalsuo) To saing :S3 :t11ri 2upuaAOD •9T SZT 087450 129 requires in connection with a notice of transfer of servicing If the Note is sold and thereafterthe Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferredto a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breachedany provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by EnvironmentalLaw and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in EnvironmentalLaw; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threatento release any HazardousSubstances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an EnvironmentalCondition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any EnvironmentalCondition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a HazardousSubstance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of 'any HazardousSubstance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. 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Witnesses: MFWY7770 (11/00) 041 252580 -0 6AIWY) (0005).01 Page 14 of 15 3 i k 2 ,Q AO (Seal) BECKY BARBER Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3051 1/01 L0 /L 690£ WJOd 9 9 e6ed TOOZ 2£T :ss iunop J) :sal! dxg uotsstuiuzoj AIN NV GEI2i2iVWNn NV 'EzeuvE I A)1D2H slip aui azojaq pa5painnouxaw srm luauznzitsui 2uio2azoj aii j L019000) (AM)119-12) 0 085Z5Z (00 /ii) OLLLAMal SAM ��i N100N11 3O31V1S `L JO. A.Nf100 t4 0119fld ABV10N 33)4 8f1V 1 `ONIAiOAM do aIVZS 0874 505 EXHIBIT A Legal Description for Becky L. Barber .133 That part of the NW /4NW /a of Section 31, T32N R118W of the 6th P.M., Lincoln County, Wyoming, within the South Afton Hastings Annexation to the Town of Afton, described as follows: Beginning at a point on the westerly right of way line of the Fair Grounds Road of record in the Office of the Clerk of Lincoln County, on Plat No. 233, titled, "South Afton Hastings Annexation to Afton Wyoming Townsite", S 48°18'05" E, 775.00 feet from the northwest corner of said NW 1 ANW l/a thence S 02 °04'09" W, 115.21 feet, along said westerly right of way, to a point; thence N 89 °57'46" W, 154.38 feet, to a point; thence N 00 °01'23" E, 120.04 feet, to a point; thence S 88 °11'32" E, 158.57 feet, along an existing east /west fence, to the point of beginning.