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Home My WebLink About87239111 1 1 1 1 LO /I. L90E WJoj 1 1 11 11 YIM IOAI'IiO AO SZYZS S&L Jo sMEI aql iapun Supstxa puu paziu38i0 NIOISYltodlIOo B sI JapuxI Nosllsd amiumvw Y NIVW ON YSI'I aNIY NOS2tmd aHI2t2IYR Y NIYW41ION W NIalIO'I SI (g) •luauznoop mil 01 slam Iis glint lagla801 T 0 0 Z 8 Z Holm palep sI ga>:gM luauinoop slgl small! L luauinalsuI £llanoas„ (v) •9I uopoas ut papTAO.id oslti are luaumoop SR uI pasn spzoA Jo aS>usn agl SutpJE2ai sopu UI 1 J •IZ PuP OZ `8I 'ET `II suopoos uI pau>jap an spioM nip pue mom pautdap an? luamnoop mil Jo suopoas aidpinui uI pasn spioM J W I Yg01 PA ?I d3N9 JNNV 3P M310 All'4fl03 N1OOF 03AI333 I y aDdd Id 1C9$ )1OOa Il [ma 3ulpaoaag Jog awl slay aeogy aaeds] 16C3L8 T 3 'LSO E WOAM OVD, 2ION l6ZL SIJ Od 30V911O1A1 d NA g L to L abed 150001 (AM)9 1N3Wf1ll1SNI 1A11:1031Nf1 aeVi alppaJ3 /ae1N aluued- AIlwed a1 JNIWOAM 3N 1 aoveJlIOw MOH OJ2tY3 ST1aM Si LL Iapua1u (0) •luaunuisul iClunoaS stgl iopun ao8aliolu aql Si aaM0.1J0J SNOI.LINIddU 000010189 SNi 'YHVH() SY'IJnOa 616t ONI aDYDa OW MOH ODHVA S'I'IHM :iig pan dam SUSS NIWI 'NOLDMINOO'I 00Z aJIns 'ma YSOSaMMiW 109E 3N T SOVOIHON MOH ODEVA STIaM o I cunla21 777 11R4 $3111i111el1 it) 777:-1 089 BS 0131Jpo1h1 scgj4 4 3Sbr3'13b t' b4 0872391 F 7 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 MARCH 28 2001 The Note states that Borrower owes Lender ONE HUNDRED TWENTY SIX THOUSAND AND .00 /100 Dollars (U.S. 12 6 000 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 APRIL 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]: Adjustable Rate Rider Balloon Rider VA Rider ®6(WY) (0005) Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Page 2 of 15 Second Home Rider 1 -4 Family Rider Other(s) [specify] (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. Form 3051 1/01 LOLL LS0£ Wi0J e! !UI 5 L 10 E °Bed 15000) (AM19 m sup I0 a10N am Iapun'luautiCec,'su IapuaZ ,Cq panlaoat luaumnsui iaglo s0 xaaga /WV 3t `Ianamol •Aouauno •s•n ut apetu aq hugs luautnnsut AlunoaS sup pug alo]g agl Iapun anp sluaut/Ced uotloaS o1 luenslnd small Molosa JOT spunj died ostu [tugs I0m0Uog •aTON 3111 Iapun anp saIego awl pug sip luaui1igdaid Aug pue a1oM agl icq paouaptna lgap agl `uo isaialut pue `3o tedtoutld agl anp uagi Sid Ilegs I0m01.1Og •sa3asgO a ;e-I pus 'sagasg0 luau ndaad 'swan ntoaasa ;sacra ;ul 'tedtauuad jo mange,' •I :smoiio3 SE aade pug luuuanoO Iapua-t pug Iamouog S.LNVI■IgAOO Y1I2IO3II�II1 •Auadoid teal utlanoo luatunJlsui X1llnoas uumtun t a1n1►1suoo O1 uotloipsunf fig suotlgttgn paltultl t tM sluguanoo uuojtun -uou pue asn teuotltu Ioj sluguanoo uuojtun saulgtuoo SIH.L *mow 3o saougiqumoua Aug 01 loafgns `spueuzap pue suttetO tie lsutu5e Auadold am 01 app ag1 Xtielaua5' pump IT!M pug sluufEM IOMOIIOH •plooal 3o saoueiqutnoua Io3 ldaoxa `pazaqutnouaun St Xuadold ag1 1eg1 pue Xuadoid ag1 iianuoo pue luel5 `a$t$11out 01 1g2t1 alp seg pug paAanuoo Agalaq alelsa ag13o pastas AptuMet St Iamouog 1g11 SINVNIgAOO IIHMO1I1IOH Auadoid„ am se luauttulsul 'C1ImoaS sup ul 01 pauaJal st 5uto5al0j at 1 Jo try •luaunulsul 'iltmoaS sup ,Cq paianoo aq osle togs suotltppg put sluatuaoutdat Itd °Auadoid am 3o utd t IaIJealag s0 Mou saznlxt pue `saoueuaunddu `sluauiasea tIe put `iilladold ag1 u0 paloaia Ia13tang s0 Mou sluautOAOldtut ag1 tit H.LIM 2IgH LHJO L „ssazppd Xuadozd [aPoa diZ] OTTE8 5Ltu0AM ND] NOLO/ [hails] its NIOSIaTW 6-0-0 60Z 3o ssalppe alp sett S[lualmo t[otgM -to- 0 :IagtunINI QI Iaolgd f y, j LETS90£0S VI 'SSNIOW SSa 'LEIS XOS 0 d 3N1 ZJYJS2 m SHIOH opava STISM :OZ JARS SS a`Il1OHS SJMr'IW$SKSS XVI •J.M Nil LSNII ASIU110SS ASNOW SSYHOUnd V SI SIHS aaHOKSSfi SSS [uou npsunf 2utploaau jo au1EH] [uopa!psunj 8urpioaaj jo ad,CZ] NI'IOONI'I 3O AJ.Nf1Oa agl ut paluool ituodold paquosap 2utmoIlo3 ag1 `ales Jo Iamod 1T1tm 'su3tsse put slossaOOns s,Iapua-t pug Iapuai 01 Aanuoo pue 1ugJS `aguEuout ,igai q saop Iamouog `asodand sup Iod •a10N agI pug luatun1lsul IiltlnoaS sup Iapun sluautaaBe pue sluuuanoo s,Iamoima 3o aoueuuo31ad agl (11) put :a10N alp JO suo!IEOatpoui pug suotsualxa `stemauat He pug 'uuo~l ag13o luauteiudal alp (t) :Iapual o1 saunas luatutulsul SlunOaS spa •luautn1lsul iCltlnoaS sup Ioipue a1oN atll Iapun suotr2qqo s,Iam0llog paumsse sug /Cued Imp 1011 10 Iaglagm `Auadold am. 01 atltl ua)tel seg leip Rued Niue swam „aanno uog 3o ;sacra ;uI uI aossaaanS„ (d) 6 t, Ailf3c1O21d HH! NI S.LHJRI JO 2IgIISNd?I.L 0872 391 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 6 WY) (0005) Page 4 of 15 In)tia 1 Form 3051 1/01 LO /L L9OE W sie!ipt 9 to 9 aged 190001 (AM)9 0141 2utiijpuapi aouou a .1amouog anIS Amu iapual luamnilsul IilunoaS sup .zano Aluoud uleue uea goigm ua!! a of loafgns si ifuadozd aqi jo ued ,iue legs sautuualap .tapua- n •luamnusul Alunoas sup of ua!! alp &upeutpiogns iapuai of £.Ioloujsues luauiaade ue uail ag13o iaploq alp moil saznoas (o) zo `papnlouoo autpaaooid qons !pun Aluo 1nq 1uipuad am auipaaooid aso141 alight 110ll ag13o luauiaoiojua 0141 luanaId 01 areiado uoiuido s ut goigm s2ulpaaooid !Oat `u! ua!! am Jo luauiaoiojua isulefe spuajap JO `Xq que3 poo3 ui 1101! 0141 slsaluoo (q) :luamaaae qons 2uluuojiad s! iamonog se 2uol os /quo 1nq `iapuarl of algeldaom .iauueu! a ut 1101! am pampas uoiMilgo a1413o luauz led am 01 &i1uM ui saai2e (e) :aamoizog ssalun luamn.usul hlunoas sup nano iCluoud se14 gou14M mil Cu ,e a$iegostp Alldmo.Id Hugs iOMOUOg uopoas ui paptnoid aauueuz agl ui wain /led Mugs JamOfog `small mama suialt asa141 111141 lua x0 0141 oZ •,Cue 3i `sluamssassy pue `saag `sang uope!OOSSy iillunmmoD pue 'Am 3i `Auado1d aql uo squat punod 10 maw/Cud plogaseal luamn.zlsul Alunoas sup tano iiluoud uleue ueo gnigm Suadoad am 01 algelnquue suopisodmt pue `scup `saStego `sluamssasse `saxes !Ie ,Ced Ilegs iaMOizog •suan :saienD •b •1apua-1 iCq Nag spend Cue tamottog 01 punJat iilldmotd imp tapuai `luau nulsul iil sup Aq p0tnoas stuns Hu 3o tin3 ui luamAed uodn •sluamiied A1t 1uom ZI uegl atom ou ui lnq `ydSgJ grim aoueptooOe ut Aoualot ap agl dn avu! of JitessaOau lunoun: 0141 Iapuarl of ad Hugs tamonog pue paiinbas se tamolog juou !legs .IapuaJ 'yam' iapun paugap se 'mama ui plaq spung Jo AOUaiO3ap a s! atagl jl swam/Cud Algluom Zi 1111141 atom ou ui inq `ydSg2I IPIM a3UeptoOO1 ui ageuogs alp dn a3lem o1 £i ssaoau lunome 0141 tapual of iced Begs tamolog pue `ydSg2I paunbat se tamozlog Ajpou hugs tapuarl `ydSalI iapun pau ap se 'mama u! pla14 spung Jo aeuogs a s! an111 JI •VdS32I g1iM aOUeptoOOE ui spunj ssaoxa ag1 to3 tamofog of lunoOOe Ilegs tapuarl `ydsgg tapun pautjap se 'mama ui !Nag spung 3o snldtns a si aiatp 3l 'ydSg2I Aq pannbai se spung ag1 to 2upunoOOe lenuue 'ue 'amp lnogllM `tamottog 01 a/4 imgs tapuarl 'spung alp uo pied aq its Isamu!! 111 `tanamo14 'uj1!M ul aade Imo tapuaJ pee tamottog 'spung alp uo dututea 10 190101u! AUe tamottog pied o1 patinbat aq sou hugs iapual 'spung aql uo pied aq 01 lsatalu! sattnbat mu-1 algeoilddy 10 2uIlt1M ut apem Si lu0U1001 a 1111 ssalun amp a gons alum o1 lapua'l slIuuad algeoilddy pee spung 0141 uo 1saaalui zaMOUOg spied tapuai ssalun `small Motosg am 5ulijuan 10 luno00E MOIOSO 0141 5uizAleue Allenuu `spung 0141 2ui/ildde pee 5uiploq tol IOMOIIOH Amp 1011 !legs 10)U0'l yam; tapun patjtoads amp am Imp Jale! ou small Motosg aql pied 01 spung am Aldde !legs tapu0'l •3lueg 111101 atUGH IEIapad Cue ut 10 (patnsui os ate sllsodap asOIM uounlilsut 1111 s! Iapua'l 3i `tapual 2u!pnloui) ,1!!1U0 to `Altleluamnilsm `Aouat'e IeIapa3 painsui ate sllsodap asogm uopt upsui 1111 111 plaq aq !legs spung aqi M11 Olgeoilddy tplm aoueptoOOE u! asvua14lo to small mama atnit>3 Jo samlipuadxa Jo sal U1!1sa algeuoseaa pue elep 1uauno Jo siseq o p uo anp spung 3o lunoum 0141 0lemilsa !legs tapuarl •ydsgj tapun attnbat 11110 iapua! a Iunoute mnmtxem 0141 p000xa o1 1011 (q) pee `ydsgu .tapun pagtoads amp a141 111 spung 0141 1Cidde o1 tapua'l lluuad 01 lualogjns (e) lunoure TIE ui spung ploq pee loallo° `amp Jiue 111 `item tapual uolloas sup tapun patinbat 110141 ate 111141 'sumo= qons ui pee `spung IIe tapua' o1 ,Ced Hugs JOMOitog 'uoi1EOOnat qons uodn `pee Sl uopoaS g11M aouep1oZO1 u! uan!S 001!011 am11 Cue 111 small mama Hu to ,Cue 01 se tan!EM 0141 oplonat Amu aapua1 'lunoute qons ACtm zapuarl 01 /Mat 01 6 uolloas iapun pale2llgo aq 110111 !legs aaMO.uog pee luno111e qons 'fed pee 6 uolloas tapun slg2u sl! as!Otaxa ,Cent Iapua1 `mall motosg ue toj anp lino= am /led 01 slie3 tamottog pu11 `tanieM a o1 luenstnd `Spoatip small MOIOSg /Ced 01 pa11121Jgo st xamonog 3I '6 uolloas ui pasn s! „luamaatfe pee lueuanoO„ asetgd 0141 se `fuamn.Ilsul iClunoaS sup u! pauteluoo luamaaae pee lueuanoO a aq 01 pauiaap aq sasodind 1i11 Jo3 Mugs sldiaoat apinold o1 pee swam/Cud !Ions a3leul of uoilailgo s,tamonog •atinbat Diem Japua i se pouad auIil lions ut141tM 1uamiCed lions u!ou0pina sldiaoat tapuOZ o1 gs!tunj !legs `satmbat .tapuai 3t. `pee tapua-1 Aq panieM uaaq seg spung Jo luamA11d 14014M tol small mol0Sg Niue to3 anp 08'72391 -6(WY) 10005) 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 Page 6 of 15 Initial Form 3051 1 /01 2 L0 /L L90£ WIOI E69 91. 10 L e8ed moo) AM)9 a(geuoseau 2uTAgd (o) pug 'unoo ut 2uTnaddu (q) :luaultu sul Alpnoas sup z o Aluopd sgg goupm uatl g paznoas sums Aug Wui,Cgd (g) :o1 paltuttl lou azg 1nq `apnput ugo suotlog s,zapua -1 •Suadozd 0141 2uptgdaz Jo /pug 2uunoas pug `d1.Tado.Td alp jo anon am $utssasss .10 /pug $upoalozd 2utpnloui luatunzlsul AlpnoaS sup zapun pug divadozd 0141 ut Isamu"! s,zapuaj loalozd of algudozdde zo a(gguossaz st zanalggM ioj /cud pug op Amu uapuarl uagl `Atiadozd 0141 pauopusgg sell 10M0ZU0g (o) JO `(suopgpti2a1 10 SMEI aouo;ua of 1O luaultulsul Alunoas still zano &l lOUd urellg Amu gotgM uall g jo luaUtao1O;ua zoj `aznllapoj JO uollguux puoo zoj `alggozd `Aoldnnlueq ut Sutpaaoozd g sg lions) luatunzlsul ,Clunoas sup zapun s1i. a zo /pug Auadozd alp ut lsazalut s,zapua-1 1oa; ;g A(lugopluSts 1g2ttu lgt(1 Sutpaaoozd Taal g sI aim (q) luaun ulsul Alunoas sup ut pautgluoo s1uaUTaadg pug sluuuanoo alp uuojzad 01 s(tuj uamozzog (g) ;l ;uatuna;suj ,iltunaas sup aapun s;g2tg pug ;aado.Td ag; ut ;saaa;uI mapua-j jo not ;aa ;o1j •6 •aouap(sau odtouud s,zamozzog SE filmdozd ag1 jo Aougdn000 s,zamozzog 5utuuaouoo suotlgluasa.1daz '01 pal(tu(I IOU an lnq `apnjout suopg1Uasaudau opaoTAT 11801 all ppM uotloauuoo ut (uotlguuojut miaow g1!M .Tapuarl aptn0zd 01 paltg; 1o) zapual 01 s1Uatualgls JO uotlgtuzo;ut algznoogul `ago; 'CI(gpaow angg 1U0SU00 JO a$pajmou31 s,uamozzog g11M 10 Jomort0g ;o uopoaztp aq1 114 Sullog sawn JO suoszad SUE .10 zam0zuog `ssaoozd uopgotldds ugoi 0141 2uunp ;t 1ing ;ap u► aq logs zamouog •uopeol(ddV uuoi s •g •asngo alquuosuaz lions Supt] Tads Uolloadsut uoualut tre lions o1 zoud .10 jo atop am w aopou zamozzog anti ((gqs zapua-1 •ICUadozd alp uo sluatuan0Zdun aql jo 7otzalUT at(1 loadsu! See zapuarl `asngo algguoseaz sgq 1! ji Auadozd 0141 jo suolloadsul pug uodn satzlua a(gguosuaz mow Am! luag 511 10 zapua7 •UOtlgzolsaz z0 ztgdaz lions jo uo(la(dtuoo aq1 zoj uoi1e qgo s,zaM0zz0g ;o panat(az loo sI zaMOZZOg `iC1ladozd alp 0101501 .10 1(da1 Ol luatot,;jns loo azg spaaooid uotlguumpuoo uo aougznsut alp 3I .pala(dtuoo Si )(IOM alp sg s1UatuJCgd ssaaozd ;o sagas g uI 110 1UatuAgd abuts u UT Uopgu01s01 pug sutgdau am zo; spaaooud asungstp view uapuai •sasodtnd dons zo; spaaoozd pasga(az sg1 zapuo' ;t /quo z(Uadozd am 2up0lsaz 10 2uutgdaz zoj a(gtsuodsaz aq Togs zaMOZZOg Apadozd aql ;o SUD(gl aq1 10 `01 aguiep t(11M Uotloauuoo ut pod an spaaoozd uotlgtnuapuoo 10 aougznsul ;l •aggurep 10 uollgzopa10p own; ptong 01 paguigp ;I Alzadozd aql ztgdaz eillduzozd Togs zaMOZZOg `a(gtsga; Alooiuzouooa loo si UO9g10160z 10 pudaz 1 T(1 S uo(1oas 01 lugnsznd pau!UUalap st 1! ssa(un •uotupuoo sit 01 anp anon Ut 2utsgazoap 10 2utlgzotzalap wog Auadozd 0141 luanaid 01 zapzo ut Auadozd agl uolutgU1 Togs zamofog `Auadozd ag1 Ut 2utptsaz st zaMOIIOg loo .10 10g1014M •AUad0Zd at(1 uo mum 1111111100 10 algzoualap of Suadoud alp M0(o `i 110dozd ag1 utgdtuii 10 arum `ii0zlsap loo Iot(s zaM0110g •suot;aadsul f,f ;aadoad ag; Jo uot;aa;Oad pug aaueua;utgyAI 'uoignaasaad •L •IOZluoo s,zaMOZZOg puoAaq are qou. lm lstxa saouglstunollo gullgnUalxa ssa(un z0 `platlgliM Algguosgazun aq lout hugs luasuoo gotgm `Vutu1M ut saaiSg as(MZaglo zapua ssalun `Aougdn000 jo algp 0141 zags zgaA auo lsgaT 114 zo; aouaptsaz Igdloupd s,zamozzog sg'ivadozd all iidn000 01 01111111100 logs pug 1Uaun ulsuj Alunoas sup ;o uoIInoaxa am za1pe &iup 09 ut1IIM aouaptsaz Tedtouud s,z0M0zz0g sg Auadozd alp asn pug `gs!Tquisa `,idn000 Togs zaMOZZOg •,fougdn000 •9 •anp imp 101 10 zaglagM luaumulsul Alunoas sup 10 aloN alp zapun podun siunolug ,igd 01 z0 Alzadozd 0141 0101s0z JO ztgdaz 01 zagl(a spaaoozd aougmsul 0141 asn /iuuz .Tapua'l •,ivadozd 0141 ;o aVglanoo alp 01 a(quotlddg an slggu lions sg zg;osut `&uadozd aq1 2uuanoo satollod aouglnsul To zapun (zaMozzog Aq pod stuntuzazd paunaun jo punjal Aug 01 1g2p 0141 Ugg1 101410) s1gSu s,zamo.uog jo zaglo Aug (q) pug luaumulsul i(lunoas sup s0 aloe( alp uapun ptedun slunotug alp paaoxa 01 1ou lunoure U ut spaaoozd aouguns11l Aug 01 slg2u s,zamouuog (I?) lapua' of su2Isse Agoiaq uaMOISOH `asptuag1O uo Zz uonoaS uapun Apadozd 0141 saztnbog zapua-1 ;i to 'mono 10141(0 U( •uan12 sT ao(10u agl uaIM u(2aq Iltm pouad AeP 0 1(J •tuolo aql aims pug 01g(1aau Amu zap11a1 uagl `tutglo g alllas o1 paza ;o sgg uauugo aougunsut 0141 111141 zapuoi mop; aopou g 01 &iep 0£ unpiM puodsaz 1ou saop I0MOUZOg ;l •szau= palg(al pug mop aougznsut aigg(reng Aug alms pug algpaau `a(g Aga! zap11a1 `Auadoud am suopuggg zaMOZZoq ;j •z U0!100S ut .TO; paptnoud zapz0 0141 ut molds aq T(ggs spaaoozd aougznsu( lions •zamozzog 01 p(gd 'Aug ji `ssaoxa am 0874391, 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 my refund. 1 6(WY 0 0 0 5 1 G8 It Ionia Page 8 of 15 Form 3051 1/01 0 /L LSOE tuaoA 9t Jo 6 e6ed 1 n jej3tut i 111 (6000( (AM)9 Va) -Z uoilaas ui 103 paptno1d lapo agl ui paiidde aq Hugs Auadold am jo iiedai .10 uopetolsaz 01 middy mu a1g legl spaa iii' iapuaj 01 pied aq imp pug pau2isse Agaiag 11111 Suadold 11111 ui lsaialui s,Japual jo luatultgduti 11111 o1 aigelnquue OM imp saS11tuup 1o; uitup .to plEME nitre jo spaaoold ati,i, •luautnllsui Sltmoas sup iapun slgW!.t 10 Sliadotd alp ui lsatalut s,japuaJ Jo luauuiedtui iuuaWtu Jaglo 10 s(uadold 11141 jo alnitajioj sapnpaid luautgpnf s,iapual ui `114141 Buhr r glim passnusip aq of 2uipaaoold so uoilog atp 2utsneo Ai `6i uotlpas ui papinoid SE alulsuiai `paun000 sgg uoilglaiao0e Jt `pug linejap a lions aim ueo 1am0a1og •luaumllsui Slunoas 5111 .iapun s14$ij 10 6uadold alp ut lsa1alut s,lapuari jo luatunigdtui imialeui Jaglo s0 Suadold am jo a1nitajloj ui linsac pino0 luatu2pnf s ut `lggl un2aq s! Iguttuu0 .to unto 1a141agM `uipaazold .to uot1311 Aug ji lineup ui aq Hugs .iaMonog •spaaooid snoaueiiaosm 01 p.gna1 111 uOtloe Jo map a see 1amouog =gm lsute$e Jived atp 10 spaaoo1d snoaueiiaosIIN 1aMo110g samo 114141 Sued pltgi am small „J(11gd 8utsoddp„ anp uagl lou 101aglatp `luatutulsui Allmon sits Jtq pamoas sums 11141 01 .10 ,illadold atl Jo aieda.i 10 uoge10lsaa 01 10440 spaaoold sn0aueilaosuN all Jiidde pug maim 01 pazu0ging si iapua-i `uant8 si 110[1011 am amp am jape SJCgp p£ utglim 1apu0-i 01 puodsai 01 sirej 1amo11og `sagurep aoj tuiuio 11 aims 01 pun 1111 avut 01 s10jjo (110ualuas [x1111 11141 ut pau1Jap se) 1 d 8utsoddp atl legs .iaMortog 01 1apuaj Jiq aotlou 1111311 `3i 10 `1amoalog Jiq pauopuegg si ,ivadoad 11141 3I anp 1111111 ale sums am 1011 s0 latpa1M luatutulsui Slunoas sup J(q pamoas sums 11141 0l patiddg aq Hugs spaaoosd snoaueiiaos!JA 0141 `$uilhM ut aaae astmua1110 lapual pug 1aMO1IOg ssaiun 'awn ut ssoi so `uoilonalsap 'mind am =Jag JSialgipatuuti pamoas sums 0111 Jo 1111101[11 ate um ssai st amen ut ssoi so `uotlotulsap `$upiel Filed 11141 aiojaq JC)algipaunut J(uadold alp Jo omit laNiew 1cej 0141 gottM UT JCllado1d 0141 Jo anlzn ut ssoi 10 `uoponjlsap `811[111111 1111 isd 11 jo Juana 11141 111 tamo11og 01 pied aq iiegs aouui11q JCud •anien ui ssoi 10 `uoilotulsap `Supigl [mind am =Jag J(i1lgipatucut £uadold alp Jo anien 1031111111iEj alp (q) J(q papintp anien ui ssoi so `uoponjlsap `dupi11l iutu11d 11111 ajojaq Sialeipatutui pamoas stuns 0111 Jo lunotuu plot am (u) :uonoejj 2utmoiioj 11141 Jfq paiidiiinui spaa001d snoaueiiaosm a111 Jo Iunotue 11141 Ai pa0npal aq Hells luauttulsui Slijnoas sup J(q pamoas stuns am 1uilijm ut 001$11 asIMlaglo Japua-i pug jamojjog ssaiun `anien ui ssoi .to `uotlotulsap `21213e1 111U111d alp alojaq J(iale!pautun luatunjlsui '(lun3as sup J(q pamoas stuns atll Jo lunoure 11141 trap 1038012 10 01 ignba st =Tun ut ssoi 10 `uoponalsap `$upjel ieiugd am alojaq Sialeipatutui J(uadold a141 Jo awn 1a�ilgtu 11113 a141 golgm ui JCuadoad 11111 JO Mien ui S5oi 10 `uoilonjlsap `8ut)igl igiu11d a Jo Juana 11111 uI •1amo110g 02 pied `Sue ji `ssaoxa 11141 414M `anp 1111141 1011 s0 1atpa4M `luaumllsui ,C41f3as sup Aq pamoas sums am 01 paiidde aq 'legs spaa0old snOaueiiaosiyA1 1141 `J(uadold alp Jo amen ui Ssoi 10 `uoilotulsap 'Supigl [11101 a JO 1u0n3 0141 11I Z u01130s ui 103 papinold 1apwo 11141 UT middy aq Hugs spaaoold snoaueii gong •iamouog of pied 'Aug ji `ssaoxa 11141 g1IM `anp 1111111 1011 10 1aglagM `luatutulsui J(lim °as SIT J(q pamoas sums am 01 paiidde aq ii11s spaaooad snoau otp `pauassai aq pinoM Alunoas s 10 aigisuaj Aii110iutouooa lou si liedal so uotl111oIsa1 014131 spaa00Id snoauuiiaosiJA g0ns uo S UIulea 10 1saIa1ui Sue 1aMO11og )(Ed 01 pa11nbal aq 1011 Hugs lapua'j 'spaaoold Snoauellaosry11 lions uo pied aq 01 lsalalui sannbat mu-i algeotiddd ut aputu Si luatuaaa$e 1111 ssaiun •palaldtu00 Si 410M QM se sluatu&ud ssa18oid jo sauas 11 ui 10 luaumasingsip aliuis a ut u0pg101sa1 pue saiedaa at1 103 Ant ,(111111apu07 •J(iiduiold ualeinpun aq iiegs uOi10adsui tons 111111 papiAOld `uOiloRJsiles 5,1apua-i 01 palaidui0o uaaq see )410M alp aansua o1 J(uadold 140115 loadsut 02 Jiliunuoddo ug peg see lapuai Hum spaa00ad snOaueiiaosuN tons ping 01 1t41 alp snug iiegs lapua'i `po pug 1411da1 lions Suuna •pauassai 1011 st Ji3i1noas S,1apua7 pue algtsuaj AligoltuoUo0a 5! 1111(101 10 uoqu101Sa1 at13i `Xuadold am jo 1111da1 10 uonulolsal 01 paiidde aq Nets spaaoold sno0ueliaosrykl 140115 `paBeuzep Si J(l1ado1d ag13I •aapua-i 01 pied aq Begs pug 01 pau2tss11 414111114 11111 spaaoold snoaueiiaosm IPv' •aan;iaiao3 :spaaaotd snoauullaosm jo luauna ssd •Ii •uoi;eulutaa; .50 UOt;eil11aue0 tans jo a tm at; ;e pauJuaun aaam ;e14) suiniuiaad aaueansuj o u .low Suu jo punjaa e 111110111111 o; 10 /pue qIluallutuo;ne pa;eunuaa; aaueansuj 118e8;aow 1114; snug 0; 'aaueansuj 118e8;aoj^i 1114; jo uoi;ellaauoo uie1Q0 pue ;sanbaa 01 's11.msopstp uie;a110 amaaa11 01 11121a 1114; apniaui Amu s;g8u magi, •,gel aatpo ICue .10 8661 30 ;od 1101 ;011;0ad saaumoatuog 1114; aapun aaueansuj 118e8;aoy%l 1114; o; ;aadsa1 grim ,fuu di se14 aant`oaaog s;g2ia a14; liajju 3011 iiim s1u11tua11aae Bans ,CuV (q) 087;431)1 686 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. w/ Initiala ('V (SD 6(WY) (0005) Page 10 of 15 Form 3051 1/01 L0/ L LSO£ WJOd 5 t jo t t a6ed IeR!UI 199 f)0 (soon) (AAA)g- f!!:0 ddSd 1 uotleuuoJut zaglo ,pun pue apuut aq pinocls swam/cud gotgm 01 ssaippe alp `iaotnzas ueo-i matt am JO ssazppe pun atueu alp awls ptm gotgm aguego ag1 JO aopou uallizm uant3 aq 'um zamouog `iaotnzaS uno-i ag1 JO aguggo g Si azag131 •a10N at 1 JO 01ES a 01 palei0zun zaolnzaS uec ag13o sa azout JO 0U0 aq ltig ut osp aiatj,i, mn-i aigeotiddd pug luauzn.tlsul ,Clunoas sup 'aloN acl1 zapun suotlegtjgo gutotnzas ueoj agn8uout za po stuzojiad pue Juautnzlsui ,iltinoaS sup pue aloN 0141 zapun anp sluatIJind otpouad sloaijoo Jggl („zaotnzaS uno'1„ ag1 se umotni) iililua alp ut agungo n ut linsaz lggtttt ales d •iamozzog 01 aotlou zoud lnogltm satwn atom JO auo plos aq ueo (lualun.usui AltinoaS sup gltm zatllagol) aloM aq1 ut lsazalut ietued n JO 010N 011j, •aauenapo Jo aotfoN :aaatnaas ueori Jo aguegD :afoN Jo a MS 'OZ •8' uotloaS zapun uotleiaiaoae jo asgo ail ut Aiddg lou pegs alglsutaz o1 lgSi sup `zanamog •paun000 peg uotlezaiaoog ou 3t sn 0nj130J33 /Gilt 11igutaz pegS figazag pins suotlegtlgo pue luatunitsui AltinoaS sup `zamouog Aq Juatualnlsutai uodn •iajsuuJi spund otuozloaig (p) JO io AUjgluautnulsut `fioua8e iezapaj a icq painsut are slisodap asogm uotlnulsut un uodn umeip st pap gons Cue paptnozd 'pap s,zatgsno JO vago s,zaznsea1l `3130t10 3jttnq 'pap patpillao (o) :iapio bum' (q) :goo (e) :zapuari iCq paloaps st 'suuoj gutmojioj ag1 jo atom zo auo ut sasuadxa pue stuns Juauta1glsutaz gam pied zamouog legs aztnbaz Antu iapuari Ta8uegoun anutluoo pegs `1uatunilsui Iilunoas sup Aq paznoas sums ag1 ,zed 01 uotlaggo s,iamouog pue `luauttuisui A1iznoaS sup zapun slggu pue Auadozd ail ut lsazalut s,iapual legs aznssn of aiinbai Aigeuosgaz Sent iapuar se uopoe bons swim (p) pug :luatutulsul AltznoaS sup zapun s2gpu pun Suadozd ail ut lsazalut s,zapual 8ut2oaloid jo asodznd 0141 zoj pazznout saa3 zaglo pug `saaj uopenign pue uopoadsut Suadozd `saaj ,sSauzolle aignuosgai `01 palim! loll 1nq `3utpnput `Juaumusui AltmanS sup 2utozojua ut pazznout sasuadxa Ili &Cgd (o) :sluatuaazgn JO SlUEU0A03 101110 'fun 30 1innjap A tm sazno (q) :paun000 peg not empoog ou 3t se aloN ail pue Juatunilsui Ammon sup zapun anp aq pjnom uatp gotgm stuns pie zapual s1igd (E) :zamouog legs are suotltpuoo asogJ •luauznzlsui Alt.manS sup gutozojua luautgpnf n 3o Aim (o) JO `alglstttaz 01 1g8u s,zamoziog 3o uotleuttuzal alp zoj Swats WIT"' mel aiggoiddd se pouad iaglo gons (q) `.Juatunzlsui 'iliznoaS sup ut paureluoo alms 3o zamod Atm 01 lugnsznd Auadoid ag13o ales azojaq skep anti (e) :3o magma am 01 ioud 01119 AUE W panu1luoostp luaulntlsui /iltmoaS sup Jo JuautaozoJua aneg o1 1g$iz 0141 aneq Ilggs zamozzog `suotltpuoo utnuao slam iamozzog 31 •uotleaajaaav aa1jv afefsutag of 3g3tg s6a3nA0.110g •6T •zamozzog uo pueutap JO aotlou zagunj lnogltm luauttulsui iCltmoaS sup Aq pallttuzad satpatua1 Sue allonut Amu zapual `pouad Sup Jo uouendxa ail 01 zotid sums asatp 1Ced o1 situ zamouog 3' •Juatunzlsui 'CliznoaS sup xq paznoas sums iie iced lsnut zamouog gotgm utgum Si uopoaS gltm 0311ep1033g ut u0nt5 si aotlou ail amp all utozu s/iep 0£ uegl ssal loll Jo pouad g apinozd 'pegs aotlou ag,i, •uopeJajaoog JO 03t1011 zamouog anti pegs zapua1 `uopdo sup Saspzaxa zapual J1 mnZ aignotiddy Aq pa1igtgozd st aspzaxa clans 3t zapuari 1 q paspzaxa aq Jou 'pegs uotldo sup `zanamog •luatunzlsui SiuiznoaS sup Aq pains sums pie Jo jln3 ut JuatuiCed algipaunut aitnbaz Amu zapual `lttasuoo uallizm ioud s,iapuaj lnogltm (pauaJsueit JO Nos Si zamouog ut lsazalut inpgauaq g pug uosiad igznlgu g 1ou st zamouog 3t zo) pauaJstrezl zo pjos st Auadozd 0141 ut lsazalut Niue _to iCuado1d ag13o lied Aug zo pig 3I •zasngoznd g 01 amp aznitt3 n 114 zamozzog Aq app Jo zaJsuezl 0141 st gotgm Jo maw! am `luatuaazge mozosa JO 13g11UO3 SOWS 1uatuiig2SUt `poop zoj Jogzluoo 'pap z03 puoq g ut pauaJsuezl slsazalut ietot auaq asogl `01 paltuttl loll lnq `gutpnput `filmdom 0141 ut lsazalut ietotpauaq JO legal Niue sueatu „Suadozd 0141 ut lsaialui„ `81 uotloaS sup ut pasn sy •aantoaaog ut lsaaaluI leto!Jauag a ao Xlaadoad alp Jo aaJsueay •9T •luatunzlsul AltznoaS sup Jo pue alol i ail Jo Moo am uantg aq pegs zamouog •,fdop man+oaaog 'LT uotloe Cue a4e1 01 uopemtjgo Cue lnogltm uotlazostp ap0s sang „Anut„ !mom ag1 (o) pug `nszan aotn pue 'mid am °putout pue ueatu pugs znin8uts 0141 ut spzom (q) :zapuag aututtuaj atll Jo spzom zo slalom zalnau 2utpuodsaiioo apnlout pue maul pegs zapuag autinosetu am Jo slalom (e) :luatutulsui X1lznoaS sup ut pasn sd •uotsinozd gutlotJJuoo 0141 lnogltm 100330 uantg aq ugo gotgm aloN oip _to luatutulsui SJtmoaS sup 3o suotstnozd iaglo pope loll pegs 10!31100 gons 'meri aigeatiddy glim slotiJuoo °JON am io Juawnzlsui AlunoaS sup 3o asngjo JO uotstnozd fug legs Juana am ui •13ezluoo Aq luaumazge Jsutnge uouigiclozd a se patulsuoo aq loll pegs aouaits gons 1nq luaus aq 1ggtut Jt zo loezluoo Act aazge o1 satued ail mope Ajlptjdtut JO Aptotidxa 1ggtut mgrs aiggotiddy w' ajgeogddd 3o Suopeut nl pug sluatuazinbaz Cue of Joafgns Die luauttumui limoaS sup ut pauteluoo suoiln$tlgo pug slg2iz ITV •Paleool st ,iu0dozd alp gotgm ut uotlotpstznf ail 3o mgt alp pue mei inzapa3 fig pauzano$ aq pugs luatunilsui Slun30S suu, •uopanafsuoD jo salmi :,fftitggaanaS :mei &utuaanoD •9I 08 72391. 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. 1-6(WY) (0005) Initial 688 Page 12 of 15 Form 3051 1/01 I. 0/ L50C WAOj 9 l E l 062d 190001 (AM)9 CD lututoAM Jo smu' uotldutaxa pealsautoq alp ;o anlzln iiq pug .tapun s3ggtt IIu SATM pus saseaiaa Jamouog •saaAIEM 'bZ meZ aigeatiddd aapun pannuaad st aaj alp jo 5ut2zgga am pug paiapuat saopuas ioj ,'laud piigl u o1 pied si aaj aql 3t /quo lug luauzntlsuI Alunaas sup 5uiseaiai aoj aaJ u iamoiaog aimp Amu iapuai •slsoa uopepioaai Aug /led fogs .tamoz1og luautnalsuI A1t.tnaaS sup asuaiai tiggs iapuar' luaumllsul A1t.tnaas sup sq patnaas sums iiu jo luamAud uodn •asuaiag '£Z •11 o; palul;ua ,C11gla1 suosaad so uosaad aq; 0; ssaaxa Aug (a) pue :;uautn.i ;sui ;lamas situ fq paanaas suins jIe o; (q) tsaaj ,siCauaofe aiquuoseaa 'o; pa;nutp uou ;nq '3utpnpul ales at; jo sasuadxa ppg o; (g) aapao Sutmoppoj aq; ut pagddt aq Hulls gigs at; jo spaaaoad agZ •ales £ue ;e Xpadoad aq; asegaand Amu aauStsap s)t a0 aapua7 •me-I apquatiddy £q pagtaasaad aauuetu ago ut Nos aq hugs ;aadoad ag; puu 'apes jo aapou aq; gslignd 1I is aapuarl •SI not ;aas ut pap!AOad aauueut aq; ut aaMoaaog 0; aigs at; jo aapou aAl2 Bugs aapua7 •Atg -I aiquaildd' mot aauepaoaae u1 ;uaaa33ip 3t 'Slaadoad aq; jo uotssassod u1 uosaad ag; o; pug aamoaaog 0; asopaao3 0; maim ;o aapou ante Rugs aapuarl 'NUS jo aamod atl; sa)ioAUt aapual 3I •aauaptna awl jo sow puu saaj ,siCauaoule alquuosuaa '0; pa ;tort' uou ;nq Iutpnput 'ZZ uopaas sit; u1 paptAOad satpatuaa am Sumsand ut paaanaut sasuadxa He ;aaipoa o; pappua aq Hugs aapua•I •mtn aiggauddv Set panluuad satpatuaa aaq ;o ,Cog puu as jo aamod aq; a)Ionut Sew puu pueutap aat;anj lnot ;pA+ ;uauma;sul £)tanaas situ £q paanaas sums pig jo ilnj u1 uuaut&gd atutpaunut aambaa ,fuw uopdo s ;1 ;e aapua•I 'aat;ou aq; ut pat31ads amp aq; aaopaq .10 uo palm uou s1 ;IneJap aq; 3I .apes pus not;uaa'ame o; aanoaaog jo asuajap aaq ;o Sus ao ;'nujap e 3o aaua)stxa -uou aq; )aasse o; notuau lama a Sutaq 0; ;qua aq; puu uopgaaiaaau aa)3e a ;e;sutaa 0; ;q2p at; 3o aaA+oaaog utaojut aaq).mj hugs aapou aqj •Alladoad at; 3o ales putt )uatuna ;sul ,C ;tanaas situ fq paanaas sums aq; jo uopeaaIaaae u1 ;'nsaa £tlm aapou at; ut paptaads amp at; aaojaq .10 uo ;Inejap at; aana o; amity.; let; (p) putt :palm aq ;sum ;1neJap aq; palq t 'aaMoaaog 0; uaAt3 s' aapou aq; a;ep at; woJj sup 0£ uggl sSI ;0u `alup tt (a) :linujap aqu aim 01 paatnbaa uopau a 13 (q) :llnuJaP aql (e) :Sjtaads hugs aapou aqj •(as'ttaaglo saptnoad Awl apgeat'ddd ssa'un gI uopaas aapun uopeaaiaaag 0; amid uou )nq) )uatuna;su' ';tanaas sit) u1 )uatuaa.au ao ;uttuaeoa Sue jo tauaaq s gu1Mo'Ioj uopeaa'aaau 0; aotad aaMoaaog 0; aapou ant2'Iugs aapuaW •satpatuag Mopeaataaad •ZZ :smoiioj se aade puu lugU0A00 .taqutt3 Japual pug .tam0110E1 'S.LNVNHAOJ I 1OdINI1 NON 689 TGt, h 0 o8' 2a 3t BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: cp (0005) G 1 (Seal) LOREN M NORMAN Borrower Page 14 of 15 LISA NORMAN 690 f V (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3051 1/01 L 0 /L L90C WJod :ss Al T69 9l k0 9l 90ed mow (AM)09 oQ7 rz gsaaidx3 uoissiwwo3 �(p SupoiM /I r 1, uloaun ;o a)¢ kuno3 :saiidxa uotssiunuo3 i JA gaols vsiri may XVXKON X NallOZ �q Z 0 0 Z 8 Z Ho2IYIS sup aui aio;aq pa9pap oulov SEM luauiculsut $u►o2aio3 act, wZO3NIZ `ONIIIAIOAAA 30 3.LVIS 087 Part of Lot 2 of Block 11 to the Town of Afton, Lincoln County, Wyoming being more particularly described as follows: BEGINNING at the Northwest corner of said Lot 2 and running thence East 10 rods; thence South 5 rods; thence West 10 rods; thence North S rods to the POINT OF BEGINNING. ALSO BEGINNING at a point 5 rods South from the Northwest corner of said Lot 2 of Block 11 to the Town of Afton, Lincoln County, Wyoming and running thence East 10 rods; thence South 1 rod; thence West 10 rods; thence North 1 rod to the POINT OF BEGINNING. 692