Loading...
HomeMy WebLinkAbout8723601 11 L0 /1. 1.90E wind 1 1111 11 'Sd ffl 6L9 (888) 'P1 `9ZOZ `1 `9Z0Z xog .0 3o zaquinu auoildalaa pug ssazppe we suit pug `azemetaQ 3o smut alp aapun Builsixa pug pazme8zo si sumAi ;uauma;sul Smarms aapun aaSeSpoui aq; s[ SJ3I J •sUB!SS1 pug SIOSSgaans mapua -1 pug zapua -I zoj aautuiou g se Slaps 8upae si agua uoiaezodzoa aagn das a si s i v.i aui `suia ;sSs uoiaezasij aiuo.i;aatg a apoTAI si „sggm„ °auaumzasut *Twos sti[a aapun zo2u2voui gip si z luauinaop saga oa s1apig lle q ;Im zagp8oa TOO Z ',LS T Z HD JVN paaup si iplgm `Iuaumaop seta sugaui ;.uauina ;sul ti[anaas„ (y) 09T uoiaaas in papino.id osle aze auatunaop snp ui pasn spzom Io a8usn ai[a 8utpzg8az salmi uivaza3 •TZ puu 0Z `8T `£T `TT suopaaS ut paui,Iap azu spzom zailao pug motaq paupap azg auaumaop sap 3o suotaaas aldpinui tit posn spzoM Z86T£oVZTT709Z9o0oT NINI 6 7 9 aDVd JOOE t9V 7 r� >1 3 i� N 4 S J Or 39V91aow 4V A S L Io L aBed Lo ls000) (AM)yg CD X (00/ii) OLLLAA1cIYAi SH3111 HIIM iN3111MILSNI INHOEINfI 09 1A1 elppe1d /eeyl eluued- Aliwej e1 9NIWOAM HaIM GNV QNKESI1H ddEKNI Nd'ITH QNV III S2`JVIAI ?INV&I st „aaMoaaog„ (g) IOVDL 'IO1A1 [qua Smpao3a2L ao3 am spq,L aeogy ands] SNOLLINId1Q MSC. XI 'sa[TaC 09i agTnS 'aAT.XQ wnaon0 0S817T xzomlaN "CPT oueuzd sbuTwoDawoH :/ig pazedazd 89'ZL8 8 6i£04Z'i40 :1egwnN ueo £Z4SS Ni1i 'slIoddauuryAI 00I "MS '2UisseaD us)puaJI aup oat '31.LO?4 N Islousuld s2mmODawOH :oZ u1naag (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 MARCH 21ST 2001 The Note states that Borrower owes Lender NINETY THOUSAND AND NO /100 Dollars (U.S. 90,000.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later thankPRIL 1ST, 2 (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]: Adjustable Rate Rider n Condominium Rider 1 1 Second Home Rider Balloon Rider 1 1 Planned Unit Development Ride 1 -4 Family Rider n VA Rider 1 Biweekly Payment Rider 1 Other(s) [specify] (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a 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 described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentationsof, or omissions as to, the value and /or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate SettlementProceduresAct (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirementsand restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. MFWY7770 (11/00) 041- 240319 -8 CD-6A(WY) (0005).01 Page 2 of 15 0872360 Initials: 111 M Form 3051 1/01 L0 /L L50£ WiO4 �ilzadozd lean 2nu2AO3 luarunzlsui rilimoas uuo31un E alnlilsuoo of uoiloipsrm[ suoileizen paliuul lljM slueuanoo uuojiun -uou pug asn pguogeu zoj slueuanoa uuojiun sauiquioo mm.IA1flfflD S SIH,L •pzooaz jo saouezqumoua Sue 01 loafgns `spuguiap pug suupp lsurege klzadozd all of app all Aflozaua2 puapap lam pug sluezzgM zaMOJJOg pzooaz 3osaougz zoj ldaoxa `pazaquinauaun spiizadozd all lei) pug Apadozd all Aanuoo pug luez2 `a2g2izotu of Tipp all slog pug paSanuoa &gazal aiglsa all 3o pastas Sow' 1 si zaMOZZOg Ilol) S,LNNINgAOD IaMO'RIOg •luaurnzlsul Aiunoas sill 2uipoueo pug 2umseapz `01 palimq lou lnq Iuipnpur zapuarl jo pazmbaz uoipe Aug aajg) 01 pug `Alzadozd all jjas pug asopazoj of I42iz all `ol paliuni lou Inq tuipnpur 'slsazalui sop jo jjlo JO kui asrozaxa o) :144u all sel (saisslo pug szossaoons s,zapua -1 pug zapua -1 zoj aaururou si) Slight ioisno JO mg! liTM Ajduroo o) £zlossaoau 31 `Inq `luaiunzlsul *moos sill ur zaMOZZOg Sgpalugza slsazalui al) 0 1 app p2a! /quo smolt sugpv ieq) saadg pug spuriszapun zaMOZZOg •dizadozd„ all se luarunzlsui £limoaS sill ui of pazzapaz Si 2uro2azoj all jo jjy •luaumzlsul 6liznoas sill Aq pazan03 aq ogle oils suorlippg pug sluauraaejdaz iiy •Alzadozd all jo plod a zalJgazal JO Mou saznpxg pug `saouloualzndde `sluaurasea ljg polo `A)zadozd all uo pap= zalJgazal zo Mou sluauranozduii all Illo H.LIM'IgHJ2DO.L [ap °D thZ] 011E8 [pails] 3o ssazppe all slot Apuazzno loilM 1 T9 2uriuoriA [s7 ?D] 5 t to g Q694 to•19o00) (AMIv9 8 1170 X00 /ii) OLLLAAUTAI „ssazppy Alzadozd NO.L3K doo`I S32IDV AWE TS 0 0 E S O O T E Z 6 T Z E :zaqumN Ql poled )i2IS'I0 ALNf100 N'IOONIrI HILL 30 30I33O EEL NI 80E 'ON .L'd'Id SY ilB61 '0T SN IdSS QSQ2]OOS21 .LK'Id ,LYEL OL ONICHOODV 'DNINOAM 'ALNf10D N`IO.7NIrI 'I 3SYHd 'NOISIAIQEI1S SS11Ord ASVS 30 ET .LOrI [uoporpsunt Suipaooaj Jo aureN] [uorrarpsurtr Surp.roova Jo ad Sy] N'IOONI'I J A,LNII00 all 111 pairooj Xizadozd paquosap 2urmoijoj all `airs jo zahod llIM `s IgyAI jo su2isse pug szossaoons all 01 pug (suOisse pug szossaoons s,zapua'l pug zapuai zoj aaururou se /40'0s) s ugy'i o) Aanuoo pug lima `a2g2izour Agazaq saop zamoz.og `asodznd sill zod •a1°N all pueluaumzlsuj AlimoaS sill zapun sluautaaz2g pug slueuanoo s,zaMOJJOEf to aoueuuojiad all (ii) pug `•o)oN al) jo suoileoilipour pug suorsualxa `sjgmauaz au pug `ugo1 al) 3oluaurilodaz al) :zapua7 of saznoasluaumzlsuI Alimoas sil l A,L'IgdO2Id MIL NI S.LHDRI AO Il dSNVII.L •luaurnzlsul ,iliznaa5 sill zo /pue a)oN al) zapun suoilr211go s,zamofog paumssr slog A)zed imp )ou zo zallaTM `,Slzadozd al) 0 1 a1111 ua)Irl slot )el) Aired Aug suloaur „aanoaaog jo lsaaajuI uj aossaaans„ (0) 091:%14S0 MFWY7770 (11 /00) 041- 240319 -8 (0- 6A(WY) (0005).01 Page 4 of 15 0872;00 UNIFORMCOVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrumentreceived by Lender as payment under the Note or this Security Instrumentis returned to 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 deemed received by Lender when received at the location designated in the Note or at such other location as may be designatedby Lender in accordancewith the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonableperiod of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrumentor performing the covenants and agreementssecuredby this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary 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 Initiab I I i F Form 3051 1/01 L0 /1 L90£ wJoI 5 L ;o 9 96ed Lo•(9o00) (A,m)vg a) 8 61£017Z (00 /IT)OLLLAM1I' alp SuprouapT aorfou E zamozzog 241 Agur zapua' Iuau rtipui /jimoas sU J JOAO 6l1.10rzd urelle ueo gorgm uarl E of p fgns sr XIzadozd agl jo )zed /ire IEglsaurtuzafap zapua' ji •luaw nxjsuj Xunoas sup of uaq oip Surleurpzogns zapua' oI AmologgsTlesluaivaaag ug uaq alp jo zapioij agl uxozg samoas (o) 10 !papnpuoo a mE s2mpaaoozd ions !pun Apo lug mpuad aze s2inpaaoozd asoip ajTgm uaq agf jo luatuaozojua ail fuanazd of afgzado uoiurdo s,zapua' ut gonjm s2uipaaooid je2al `uT uaq atp goluautoo /ogra lsUTe2E spuagap zo `fig Tpwj pool ut uaq atp s;saluoo (q) :luatuaaau !pus 2u41111(4zad sr zamozzog se 2uoj os /juo ing `zapua' oI ajgEfdaooezauurm E ut uag gip Sgpamoas uo1fE2ggo aip jo fuaui d agf oI 2uil1zm ursaaaE (E) :zamozzog ssajUn luatunzlsuj X1TZnoas sup zano £luorzd sEij gorgm uo!! Aue aBze psip ipdutoid pip JO/W.1.1011 uorloas ut papptozd zauumUm ail ur magi /Cud Rugs zamozzog `small mimosa azE sutalr asotp lggl lualxa a il •&ui jT `sluaiussassy pug `sood `sang uorlgpossyAliunu tuoD pug `Sue ji `Alzadozd gip uo sluaz puno1S zo sfuauuSed pjoipseaj `luatunzpsuj iflpnoaS sun zano 6luoud Ucelle UEO tptgm Afzadozd alp olajgEfnquffe suoiltsodun pug `sang `so nup `sluauissasse `saxel RE /Cud wogs zamozzog •suaj' :salaggg •p •zapua' Iiq ppg spun Sue zam0z10g 01 punJaz Apdwoid ijegs zapua -j luatunzlsuj 4unoos sup pamoas stuns Ru jo tug trq luatuSEd uodn •sluatuwed £lgluour ZT uErp amour ou ur Inq yd s gg imm aouepzoxog to i uapgap atp dn artu of Azessaoau lunoum ail zapua' of hd jjEijs zamozzog puu `ydsgg ,iq pazmbaz sr iamo,izog &Jtlou HMIs zapua' `ydSa11 zapun paugap st `mozosg ut ppg spun JO Aouapgap g sTaza 1131 •sluaUrfed ijgluota ZT !l azour ou ur Inq `ydsg2i ippaaouepz000e ur oSelzogs atp dn alum oI £JESSaoau funoiue ail zapuai of pied Rugs zamozzog pyre `yjSag iigpazmbaz se zamozzog AjClou jlggs zapua' `ydsa21 "pun parg se `mimosa uT ppg spun go a2elzogs g sT amp JI •ydSau glTm23Ugpz033g ut sprig ssaaxa 0111 zoj zamozzog 01 lun000e Rugs zapua -j `ydsg11 zapun paugap se `mozasa ur piatj spund go snldzns a si azatp 3I v sag d(q pazmbaz se spun agI go 2upun000g jenUU1 ug `alzeip Ino `zamozzog 01 0n1 Rugs zapua' spun alp uo mud aq jjeijs IsazafU1 IEgi `zanamog `2U11T1m III 00.2e ueo zapuai pug zamozzog .spun aqI uo sSucu1Ea JO lsazafur Niue zamozzog pied of pannbaz oq lou jjEgs zapua' `spun aql uo mud oq of lsoio ur sannboi me' ajgeogddy zo Sup!im ur apew sTluaivaaz2e uE ssajun oSimp a ipns 03jeiu 01 mapua'siiuu d mg' ajgeogddy pU1 spun agI uo Isazalu! zamozzog s&gd zapua' ssajun `suxall mama mu 2mAjpan zo 11111033e mozosg atp 5uFAIeug iijjenuuu `spun 0111 2upijdde pue 2u1pjotj z0J zamozzog 0 1Eip lou hugs zapua' •ydSa 1 zaptm pagpads gull alp uetp zalgj 011 swan mozosg ail Aud of spun ail )(Id de !pis zapua' •zjugg ueo'amog jezapad iiuu III JO (painsur os aze sITsodap asogm uotfn1Tfsur ug sr zapua' ji `zapua' 2utpnpui) dlTfua zo `Algeluatunzfsn `douo Iezapaj painsin am siisodap asotlm uoTlnlTlsur UP ur pjaij oq Rugs spun aijs •ME' ajgeogddy !!!!m 0311epm033g ur asrmzaipo zo small mozosg azning go samlIpuadxa go salgiurlsa ajgeuosgaz pue Elep plum jo sTseq gip uo anp spun jo mom alp 01Etullsa jugs zapua' •ydSgu zapun azinbaz ueo mapuaj a lunotue tuntuixI1W a 11 paaoxa 0I lou (q) pug `ydsau zapun pargioads aunt a1I le spun alp iijdde of zapua' itiuzad of luaroggns (e)1UnotUl ug uT spun pjoq pue loajjo0 `aural Aug le qeiu zapua' uopoas sup zapun pazmboi ungl am lulu `slrnotue ipns uc pug `spun jjg zapua' of e(ed Rugs zamozzog `uotlgaonam !pus uodn `pug ST uoiloaS iprm aaugpz000g to U0Al2 0012011 E 'q 011111 AuE IE 5111011 mozosg jj11 JO Aug 01 sE zanrem mu azlmaz ii1UW zapua' •lunomu Ions Niue zapua' of ,fedaz 01 6 uopoas zapun palg2ggo aq uatp wells zamozzog pUE lunoum tens Aud pin 6 uorloOS zapun swat! s1! aspmaxa Art! zapua' `mall mozosg Ur zog anp ltmoUre alp 1(Ed of gm zamozzog pue 'zan!EM E 02 luensznd 4ipoanp small mozosg iced 01 pal1Bggo sT zamozzog ji .6 uorfoas u( pasn sr „1UatuaaaE pug Iueuanoo„ as1Zgd alp sr `Iuaumzlsul £pTmoas s!ql urpaut1luooluatuaaae pue 1ugu0n03 a oq of pomoop aq sosodind RE zog Ijgijs sld1aaaz aprnozd 01 pug s2U0tuiigd ipns alum of uorle2ggo s,zamozzog •azrnbaz hair zapua' se potmad aril !pus ntprm Iuow Rd lions 2upuap1na sldtaoaz zapua' 01 gsruzng Ijggs `sazinbaz zapua' ji `pu1 zapua' £q panIEmuooq sea spun jo luaurd1d goTgm zog swan mozosg Aug zog onp 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 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 restorationperiod, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restorationin a single payment or in a series of progress payments as the work is completed. Unless an agreementis made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with MFWY7770 (11 /00) 041- 240319 -8 40-6A(WY) (0005).01 Page 6 of 15 Initials: O 1 Form 3061 1/01 LO /L L 90 WAod 5 L 4o L a6¢d LO CSOOO) (AM)vg- 8 (00 /ii) OLLLA/ AIN ahgeuoseaz 5'uiied (o) pue !moo ur Sutzgadde (q) `.Iuautnzlsui Siimoas shill zano Xlpoud sett gaup. uath a ,iq paznoas sums Niue Suited (e) :oi paaiucq iou azu inq `apnpur uea suopae s,zapuo' •Aizadozd agi guupedazzo /pue Saunas pue `Iiizadozd ail jo amen alp Surssassezo /pue Surioaiozd Suipnpur `Iuaurnzisui Aiimaas sup zapun sii p pue klzadozd agi ur Isamu! s,zapugi laaiozd of aluudozdde JO aiquuosuaz sr zanaiegm zoj pied pue op dear zapua -I uagi `Sizadozd gip pauopuege seq zaMozzog (o) JO `(suoriuin$az zo smei aozojua OI zo Iuaurnzlsui 1imaas sup JOAO Sipoizd upllg Sum gaigm 110Th a jo luauraozoJua zo; `amiiajzoj zouopeuurapuoo zoj `alegozd `bldnzaiueq ui &uipaaoozd g se gans)luaumzisuj Allman sup zapun sigSizzo /pue agi ut isazaiui szapua -i lame SpugaTJTUSis Wuxi iegi Surpaaaozd Taal a si aza (q) `Iuaumzlsui Allman sup uipauieluoasluauraazSe pue siuguanoa atrluuojzad oI siie3 zamozzog (g) 3I 'Iuaurnaisui Sigmas shy; aapu11 snrAra pug Spadoad ay; u[ ;saga ;ul s,aapual JO UOt ;aa;oad '6 •aouaptsaz igdrauud s,zamozzog se Slzadozd alp jo Souednaao s,zaMOZOg Suruzaauoasuorlgivasazdaz `01 paliuni Iou az e lnq `apnhaursuoilgluasazdaz Tuuaieljt •ueo -I alp giiM uopaauuoa m (uoiieurzojui ieuaieur IRA zapuai aprnozd of pahie3 zo) zapua-I oisluautaieis z0 uoiieuxzojuiaieznaaeur JO `Suipeaisiut `asie3 SIieuaiuu1 anus ivasuoa zo aSpahmouah s,zamozzog 141TM JO zamozzog jo uoiiaanp aqi ie Supag sapilua JO SUOSIOd Niue JO zamo.uog `ssaaozd uoiluaiidde ueoi aqi Suunp `3r. ITnulap ur aq ilegs zamozzog •uoi;gahhddy ugori s,aartoaaog •g •asnua aigeuoseaz tans Sui&jiaads uoiiaadsur zoualur ue trans oI zorzd 10 JO aural alp iu aarlou 1 Mozzog 0/112 Iletrs zapua? Ilzadozd alp uo sluauranozduri aqi jo zoualui alp padsut Sew zapua? `astir? aigeuoseaz Seg ii 3I •/iizadozd aqi jo suopaadsui pue uodn saulua aigeuoseaz aaieur them iva$u sit JO zapua-i •uoriezoisaz zO zredaz gans jo uoiiaidutoo alp zo3 uotie2iggo s,zamozzog 3o panagaz iou Si zamozzog `Slzadozd aqi azolsaz JO ziedaz of ivataiJJns iou aze spaaoozduoiieuurapuoa JO aouumsur aqi 3I •palanduroa sr 31.10M aqi se swam/cud ssa i ozd 3o sauas a ui zo ivautded ajSuis u uruoriezolsaz pue suredaz aqi zojspaaaozd asmgsip Sew zapua -I •sasodznd trans zo3 spaaoozd pomp.' seq zapuzi 3i Sjuo Spacial,' gip Suizoisaz JO Suun daz zoj ahgtsuodsaz aq Thugs zaMOZZOg `iilzadozd aqi `Jo Suraiel gip JO `oi aguuiep giiM uoiiaauuoa ui pled WE spaaoozduoiieum puoa JO aaueznsui Jr •aSeurep zo uoriezoualap zagizn3 pion 01 pa2eurep 3i Mzadozd Jardaz £pdurozd hieys zamozzog `aIgiseaj Suraturouoaa iou siuopuzolsaz JO in daz iegi S uoiioas 01 iuenszndpautuuaiap si li ssaiun •uoiiipuoo sii of anp amen ut Suisuazaap JO Sutiuzoualap 11.1013 S11 0(10.1 alp ivanazd of zapzo ur ifizadozd aqi urelureru iiegs zamozzog `Aizadozd aqi ur Suipisaz si zamozzog iou JO zagiagM •Alzadozd atrI uo aisgm iiururoo JO Olezoualap of dizadozd gip moiie aqi zieduri JO aSeurep `,iozisap iou hhegs zamozzog •suopaadsui :klaadoad ay; ;o not ;aa;oad pug aaugua;uheyti `uot;gnaasaad 1041103 s,zamozzog puoSaq axe gaigm isuca saauelsumazra Surlenuaixa saran zo `ppggiiM Arquuosuazun aq iou Ihutrs ivasuoo goigM `Sutii1M ur saa1Sr as!MZatpo zapua-I swum qauednaoo 3o Opp alp zaije zeaS auo Iseai ie zojaauaptsaz pdiourzd 5,10M0Z10g se /fizadozd aqi Sdn000 oI anulliroo Theis pug Iuaumrisui Sliznoas sup 3o uoiinaaxa alp zalme gep 09 uig1TM aouapisaz hedpuud s,zaMOZZOg sg Slzadozd alp asn pug `gsiigeisa `Sdn000 iiegs zaMOZZOg laugdnaa0 •9 •anp iou zo =palm `Iuautnzisui Alimoas sup zo aioN aqi zapun piedun siunoure pied 01 JO dizadozd m110.10150.1 JO zredaz of za spaaaozdaouemsur gip asn Spur zapua -I •dizadozd ayi jo 02ez0A03 gip 01 ahgeagdde azu sitAi gans se zejosut `Slzadozd aqi Sutzanoa saragod aaueznsut Thu iopun (zaMOJJOa kq mud sutniutazd pauueaun jo punjaz Niue 01 IgSU gip ua zagio) si1Siz s,zamozzog 3o zagio ,iuu (q) pug luaumzlsui Ail /nags sup JO aioN aqi zapun pigdun slunoure alp paaoxa oI Iou iunoure un ui spaaaozd aoueznsui 01 siggiz s,J0MOZZOg (e) zapua i 03 stalss1 eigazag z0MOZZOg `as!MZatrlo JO ZZ uoiiaas zapun iipadozd aqi sazmbog zapun '.3i JO `ivana =pp uI •1.10A15 st aallou gip uatrM unSaq Than pouad Sup 0111 •uriep alp arms pug aleiioSau Arm zapua -h nap `urrep a gyps of pazaJJo suq zauzea aaueznsur aqi Imp zapua-h wog aapou e 03 sip 0£ uigi(M puodsaz iou saop zamozzog 31.510iiuur pai1Taz puu uriup aaueznsur ahgeitunu Slue aplas pue aleiloSau `aig ,ieur zapua-I `,iizadozd aqi suopuuge zamozzog 3I Z uoiiaas ur zo3 papinozd zapzo gip ut middle aq hhegs spaaoozd aaueIUsur trans •10MOZZOg of mud `kuu 3i `ssaaxa agi 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 premiums required to maintain the Mortgage Insurancein 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 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 separatelydesignatedpayments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until Lender's requirementfor Mortgage Insurance ends in accordancewith any written agreementbetween Borrower and Lender providing for such terminationor until terminationis requiredby Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreementswith other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreementsmay require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtainedfrom 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 240319 -8 ®6A(WY) (0005).01 Page 8 of 15 Initiala:� Form 3051 1 /01 0/ I. L90£ waod w rall!UI Z uotpgas ut zoj papinozd zapzo alp ut pagdde aq Ite11s £lzodozd all jo zredaz JO uoilgtolsaz o; pagdde poll ale Imp spog3ozd sno0uettansmi itd zapua -I o1 pied aq 'FT pue pau2tsse Agazati ale A1zadozd alp m lsazapUi s,z0pua-I joluatuziedutt gip mom elm:gi le ale Imp sa2etuep zoj unep zo pzeme Niue jo spaagozd atiy •luat11nzlsui Alpzngas sup zapun s �g5iz JO iijzadozd 01{1 ut lsazaluc s,zapue-1 jo;uaturtedkut terzaietu zatpo zo fipzadozd 01p jo aznitapzoj sapnpazd luaudpnf s,zapua' ut '1e p &ut1nz a tpinn passtutsip aq o12utpaagozd zo uotlge atp &utsnea Aq `61 uopgas ut paptnozd se mistrial `pazznaao setiuopezaiaaae j! 'pue ;inejap a bans ama uen zaniozzog •luatunzlsul Alpnnas sitp zgpun sl11 *u JO A1z0dozd 0q1 ttt 1s0z011It s,z0pua-I jo luoutuedurt ieualetu zatpo JO Slzadozd aria jo gznliapzoj ut linsaz ping luatu2pnf s, t pua-1 ut st `Iguttuug JO I1A13 zagpatlnn `8utpaagozd JO 11o93g nitre 31 lineJap ut aq iietis zamozzog *sp000ozd sno011m103sq^i 0) pze2az lit uotpoe jo ;11$11 a seq 10mozz0 tu011m psutege zed 0111 zo spaaaozd snoauei1a3si j zomozzog snit 11111 Sind prep all sueatu Aped 2utsoddp„ •anp uatp loll JO zatpa11m'pugtunmul dlunnas sttp &gpaznnas sums gip 01 zo klzadozd gip jo zredaz JO 1109ez01s0z op zgtpia spaaaozd snoauelpgsm al; Aidde pue laalioa of pazuotpne st zapua-i `u0n12 ST 0311011 nip algp alp imp &iep IN unpins z0pua-I o; puodsaz of sliej zamozzog `sajgtuep zoj tutee a 011105 01 pienne ue arm of szano (a3ua1uas lxau 0111 lit pautdap se) Aped 8tusoddp gip imp 1Omozzog o1 zapua -1 Ag agilou lade `3t JO `zamozzog pauopuege st 6lzadozd alp II •anp ua111 ale stuns at[ loll zo =palm luautnzlsui Iilunmas sup iiq palings sums a111 o; pagdde aq uejs sp0anozd snoatrei1ansi j 0111 `Sutlizm ut 0azae astmzmpo zapua-1 put zamo.uog ssalun `amen ut ssoi zo `uopatulsap luniel piped a111 azojaq Alpa11ipatutut pains stuns aqi jo punoum alp um1 ssai st amen to ssoi JO `uop3tulsap mpel tetpgd alp azopaq Algletpatutut iipzadozd 0111 jo amen la�izeut zte3 alp 11ni11m ttt Alzadozd alp 3o amen to ssoi z0 `11ot13nz ;sap `Supte; teiizgd g 30 Juana alp u1 •zamozzog 01 pied aq Kegs anueleq Arty .amen ut ssoi zo `uoipanz ;sap Tuppel iet ;zed alp azojaq £la1etpatutut 'i1zadozd al; jo amen 1a3izetu Jr; alp (q) papinno amen ui ssoi JO `uotlnnzpsap `811iaiel iet ;zed gip azojaq iilaleip0w wi pazngas sums alp jo 111notue pelol alp (e) :uotpaezj 5mittotloj aq1 iiq pagdiiinta spaaaozd snoauellansgAi alp 30 lunotu>t alp Sq pagnpaz aq Brits 1uaumzpsui /iltzngas sup pazngas stuns alp '2upum ut aazae asutuat po zapua-1 pue zamozzog ssatutl `amen 111 ssoi JO `uoilonz1sap `2uple1 petpzed 0111 azopaq ,ipel11ipatut11t 1uaumzlsui 'ilunngS sill Iiq paznnas stuns nip 3o unto= g1 1111111 11%J2 JO 01 prnbg si amen to ssoi zo `uollgnzlsap 'Sunpel t11ilzed all azojaq Alapeipauttut Alzadozd alp 3o amen 103Izg111 zte3 0111 113111M ut,ilzadozd 0111 Jo amen 111 ssop 10 'uollnnzlsap `Sufpel pilled 11 JO 1 all 111 •zamozzog 01 pied 'Sue JI `ssagxa alp twit `anp uatp 1011 JO z010011m luaumzpsul '1izn3as sup ,ig pazngas stuns alp 01 pagdde aq gels spaaaozd sno0ueilg3sm all `Apzadozd a11p 3o amen ut ssop JO `uot1gnzpsap `Sutapel te101 a jo Juana all III Z notpas ut zoj papinozd zapzo alp ut pagdd11 aq Hugs spoagozd snoauruagsryti spans •zam0110a 01 pied 'Aug ji `SS03X0 0111 t pim `anp u011p loll JO z0111011m `pugtunzlsul dlizngas sits; Agpgzngas stuns 0111 01 pagdde aq Imp alp `pauassgp aq putom ifppngas s,zapugi JO atgtsga; tegtumuoga 1011 st zredaz zouotpezolsaz 0 11; 3I •spa0gozd snoaueilagsm lions uo S um1ea JO lsaz0111t nitre 1 M0zzog pied 01 paimbaz oq 1ou t gs zapuai `spaaaozd sno0uellagsry11 Ipus uo pied aq 011sazalut samba/ me-I gjgegtlddy JO 2ut1um 111 apetu spuautaa.ae ue ssalul •palatdtuon Si 3pom gip se s ;uaur ed ssat2ozd 3o sauas a 111 10111autasztigsip ap2uts a 111 uotpezoisaz pug sztedaz alp zoj iced Amu zapuari •Apdtuozdumpgpzapun aq peels uotlgadsrt 'pus letlp paptnozd 'uo113ejst1es s,zapugi 01 palaldtuog u0aq se11 alzom all aznsua 01 Apzadozd lens ;aadsut 01 Altunpzoddo ue pets sett zapuaZ ppm spagOozd snogumpnsm tpns Nog 011 all aneti Hugs zapugj `pouaduo11ezo1saz pug zredaz tpns 2utzna •pauassai you st Aliznngs s,zapua- pue atgiseaj Agegiutouoga st zredaz zo uotpezopsaz alp 3t `Aizodozd alp jo zredaz zo uotjezo;saz o; patidde ag imp spOanozd snoaueppagsm lien `pa2etuep s1 Apzadozd alp 3I •zapua-I 01 pied 0q 1eels pug o; pau2tsse Agaza11 ale sp0agozd snoauepipnsII jJV •aan ;ialaog spaaaoad snoauel1aaslyii Jo ;uatuaissi •11 •uoi eupeaa; .10 uonellaauea Bans 3o atop ow ;g pauaeaun aaat ;gq; sutniuiaad anugansui aSeSpoj j fug jo punjaa e aniaaaa 01 Jo /pug `,f{leai ;euto;ng pajeuituaa; agugansui agg;aoik aq; angq o; 'anugansul a2g8;aoyil aq1 jo uopegpamea upi qo pug ;sanbaa o; 'saansopsip uiglaaa awn.' 03 ;Op aq; apnlaul Aittu s;g2p natty •A(1 aaq ;o Sue ao 8661 jo py uonaaload saau 03111011 aq; anon a3utunsu1 aSg21aoyiI aq; o; ;aadsaa gym Sue ]t seq aaMoaaog s ;gap aq; palm ;ou 11im s;uautaulie gaps Soy (q) 5 t +o g aged tois000) (Ann ►v9 ®ejz 8 6I£ObZ (00 /11) OLLLAMWI MFWY7770 (11/00) 041- 240319 -8 6A(WY) t0005i.oi Page 10 of 15 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 amountsless than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrumentin writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrumentunless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrumentto charge a specific fee to Borrower shall not be 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 fmally interpretedso that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permittedlimit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrumentshall be deemedto have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. Initials:' FA Form 3051 1/01 LO/L 1S OE W10l 6 r9 V w� s1sl3NI 9 !O l l 96 e d L019000) {AAIUV9 8 6i £0bZ ib0 (00 /ii) OLLLAAUTAI uopeuuoTui zaipo Au pug apgui aq pjnotjs sluaut<igd goujm o) ssazppe alp `za3yuas ueo-j matt alp 3o ssazppe pug au mu alp awls jjim g3igm a2uega atp 3o aoilou uallizm uaniI ag jjim zaniozzog `laoinzas treo-1 ag; To aSump a si ajatr131 •aloN atp To ajes g olpalgjazun 1a31nzas ugo-1 alp 3o sa2ugtp anotu zo auo aq liptu osjg azag .mg-1 ajgg3gddy pue luauttulsuj Alunoas sign `aloN alp zapun suoileSijgo 2upin1as ugoj a lagpo stuzo3zad pug )uatunz)su1 SlIznaas sup pug a1°N agI 1apun anp sluatuigd 31pouad s)3ajjo3 imp „zaoinzas ueo-j„ ail se umoumj) klilua atp un aSurtp g rn Ijnsaz lq im ajes d •zaMo11og of aapou zoud inotpim satuil azotu JO auo pjos aq ugo (luatunzlsuj A)imoas sup tpim zaglaSo)) aloN alp ui Isalalui p iizgd g zo aloN agy •aaugnaIJJJ Jo aaj;oN :aaajnaas ueol 3o aSuegj :a ;oM 3o ales •0Z •gT uop3as zapun uoipelaja33g 3o asg3 ail ui Aidde 1311 Timis alelsuiaz 01 Iq&11 spjl `Jana/MIT 'pazm33o pgguopezajaoor ou Ti SP 3npoa33a Aun3 uieutal jjegs ,igazag pain3as suoileSijgo pui uatunllsuj Aliznaas sup `zamozz0g Agluatua)elsuiaz uodn •zajsuezl, spu11 oiuozloajg (p) z0 `•Aliiva 1o,ilijgluauinzlsui 'Sail jelapa3 paznsui azg s)isodap asogm uoilnlpsui ug uodn umgzp si 3joago 1j3115 Slug papinozd `xaatra s,zaujse3 Jo 'pay s,zaznseazl ',pay ajugq `)j3at{3 pagi1la3 (3) 'zapzo Sauoui (q) 'trsg3 (e) :zapua1 Aq papajas sr `stub; 2uimojjo3 alp 3o 310111 10 auo tii sasuadxa pue suinsivatuaigisuiaz Ions /ied zamollog legs azmbaz ArmzapuaJ •p3 U 1pun anupu33 imp `1tt31ufzlsuj Alilnaas sup Sgpamoas sums atp fed of uopeSggo s,zamozzog pue `luamnzlsuj £1un3as sup zapun slg2iz pug ,ilzadozd atp ui )sazaltti s,zapua -j Imp aznsse of azmbaz Sjgeuoseaz Arm zapuaZ se uopoe ions saajel (p) pug `.)uatunlisuj Jilim3as sips zapun 5111$11 pug Iilzad0zd atp ui lsaIalui s,1apua -I 3ui)oa)ozd 3o asodmd ail zo3 pazzn3ui saaj zatpo pug `s203 uoilenjgn pug uoiloadsui 4i3dozd `saa3 ,sAiauzollg ajgguosgaz `0I paliuttj 3311 lnq 'Suipnpui `luauinzlsuj AIiznoas sup SttpzoJua to pazmoui sasuadxa jje &igd (3) `.$)u3uiaa1Sg zo 5)ueu3n03131110 SW 3o )jnejap Sur 531113 (q)'p3zm330 peguoi)gzap33e ou 3i sr a1oN atp puEluattmzisuj Alim3as sup zapun anp aq pjnom u3ip tr3itrm stuns jie zapua -j spied (e) :zamozzog legs aze suoilipuo3 3501(1 ')uauinz)suj iiimaas sup Suia1ojua IuatuSpnf e: To ,illua (3) 10 `.a)g)suiaz 01 31 11 s,zamozlog To uoileuiuua) atp zo3 AJi3ads lgSnu me-1 ajgg3gddy st; poizad zaipo gins (q) `.juaumzlsuI dlun3as sup ui pauteluo3 ajes 3o zamod Sur 03 )uensmd Alzadozd atp 3o airs azopaq sAgp ani3 (g) :3o 35ai1zea ail 01 zoud amp Niue le panuiluo3sip )uattnl)5uj Alizn3as spp 3o )uauia31oJua aim! 03 lg211 am anvil limp zamozzog `suoilipuo3 uiglla3 spout 1amozzog 31 •110leaalaa33 Jaw a;e;sujag of ;g2jg s,aam0a10g '61 •zam01zog uo pueuiap zo a3ilou zaglln3 )notpim )ua1un11su1 £lim sup iiq pallituuad saipaluaz Slug a)jonui kut 1apual `poizad sup To uoilgzidxa ail 01 zoud stuns asatp /ied 01 sjie3 13M0110g 31 •)uaunzlsul 4m3as sup Sq p31n3as sums jjg /igd ls11ui zamo1zog g3ujm uiglim ST uoiioas glima3ugp1o3oe ui 113111 si 0390u ail31ep 01(1 uio1T siep OE uggl ssaj 3311 poizad a apinozd Imp a3pou agj, •uotlelaja33e JO 03110111am0zzog 311 limp zapuaZ `uoild0 sup Sasi31ax3 zapu71 31 •mei ajq oijddy Aq paliqujozd Si 351313x3 1(3115 ji zapung pasiozaxa aq 3011 lints uoipdo sup `zanamold •luatunzlsul I.iizn3as sup pampas stuns Tie 3o jjn3 111 Iuaiudgd algipauitui azmbaz Arm zapuaZ `311351133 u311izm zoud s,zapua-j Ino1jljm(pazzaJsugz) JO pjos si aamozz0g VI lsazalu! jeiogauaq g pug uoszad jgznleu g lou si IOMOZZOH 3i zo)pa11a35uez) _to pjos sfllladozd ail uilsazaaul Aug ao ,i)z3dozd alp To )zed Sur zo jje 3I •lasegolnd a 01 alep a1n)nj a le 1amozzog Aq app To 1ajsue11 ail si 113i1m JO way”! atp `luauiaa1Se mama JO 13g41103 saps luatujjglsui `poop 103 )311111103 `poop zo3 puoq g uipazzaJsugzl sls31aiui jgpijauaq asotll `01 palituij lou lnq `Suipnpui `k)zadozd agi to 353133111 jgpg3u3q 10 1131 Niue 511113111 „Azadold atp ui 1s01aluj„ `1(T uoil3as Sup to pasn s% •aamoaaog u j ;saaa;uj jej3gauag a .10 3a4doad ay; 3o aajsueay •1(T •Iuaumzlsui foiznoas sup 3o pue aloN ail 3o Ado3 auo 113111 aq Timis 13M0110g •Xdop s,aaraoaaog •LT 'uoi)3e Niue 31(111 of uopg2ggo Slug I11oglim uoilaz3stp 3135 sani2 „Sum„ pz0m ail pug `.gszan 03111 pug jemjd ail apnpui pm imam Help zej1Sup ail ui spiom (q) 'zapuaS auuutua3 3111 3o spzom zo spzom za)nau Suipuodsazzoa apnj3ui pug ugoui jjgtis zapuaS auijn3setu atp 30 spzom (g) :Iuaumzlsui ii1u113as sup ui pasn sy •uoisinozd Suilo1T3uo3 a1() lnoglim 133333 113/11 aq ue3 traitrm 010N ail 10 1110uinzlsul Alizn3as sup To suoisinold zatpo 1333311 lou jjegs 13iguo3 trans `me-1 ajgeaijddy iplm slaiguo3 aloN a1() 10 luauinz1mi k)unoas sup To as11gj3 z0 uoisinold Niue 1r1p luana atp u1 Ag1uauiaaJS1 lsuie21 uoiligigozd a se panzl5tto3 aq 1011 UT O3UOjIS 113115 Inq luajis aq 312(111 TI JO 33e11uo3 331511 01 sapzgd ail molly £ppijdtut zo ,ippijdxa IgS1m Awl ajgg3iddy me-1 ajge3ijddy To suoileipuij pug sluautalinbaz Niue 01 )3afgns 3111 luaunzlsuj 'f)un3as sup to pauieluo3 suopeSiggo pug slg2u •paie3oj si iijzadozd alp 1p1gm ui uoilpipsunf alp To mej nip pue mej jezapaT £q pauzanoS aq jjetrs )uauin.11mi i(lixn3as sitry •uoj;3na;suo3 Jo sajng mugeaanas :merj SujuaanoD •91 MFWY7770 (11/00) 041 240319 -8 C)- 6A(WY) (0005).01 Page 12 of 15 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, tke mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferredto a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrumentor that alleges that the other party has breachedany provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by EnvironmentalLaw and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in EnvironmentalLaw; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threatento release any HazardousSiubstances, 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 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 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. Initials: 6 Form 3061 1/01 L0 /L L50£ ILJO4 \M=) 1 i "t:010)t1u) 0 9 L }o E L 060 L019000) (AM)V9 8 1170 (00 /ii) OLLLAAA IW •gurwoiiM jo semi uopdmaxa peaisaurog alp jo an;zrn £q pup zapun sig2p 1J sanyem pup saspapz zamo uog •saanl?M pz -i aFteaiiddd zapun pa;;iuuad si aaj aq; jo Su alp puppazapuaz saarnzas zo; tilzgd purl; a o; pied si aaj 3113 ji /quo ;nq' ;uauinz ;sui kijrnaas sup Suiseaiaz zo3 aaj g zamonog aazega dew zapua-i s;soa uoipepzoaal• Niue ,led pis zamozzog •juauinisui Sipnaas supaspaiaz umiszapua -i `auaumz ;sui iiipnaas sap kgpainaas sums lip jo auaurApduodn •aseatan £Z ;1 o; pat ;l ;ua diiOai suosaad JO uosaad aq; o; ssaaxa Aug (a) pug :;uatuna ;suj Sigmas situ pumas stuns ile o; (q) fsaaj ,sifauao; ;g algguoseaa '0; pa;nuli ;ou ;nq tulpnpul 'ales aq; jo sasuadxa llg o; (g) :aapao 2uuaolio3 ay; ut palldde aq dugs ales aq; jo spaaaoad aqy 'ales ,Cue ;e Saadoad ay; asegaand Setu aauffisap s ;I ao aapua' *AM] aigeallddv pagpasaad aauugut ay; ul pios aq hugs Saadoad aq3 pug 'ales jo aal;ou ay; gsllgnd Hugs aapua'I •si uol;aas ul papinoad aauuetu aq; ul aatioaaog o; ales 3143 3o aapou anlg tiggs aapao' n+g'i alggagddy tgle+ aaugpaoaae It; 'plump 31 ',C;aadoad aq; jo uolssassod ui uosaad ay; o; pug aanoaaog o; asopaao3 0; ;mpg 3o aal;ou anp iiggs aapaa' 'ales jo aamod aq; sMlonul aapao' 3j •aauapjAa awl jo s;soa pug saaj ,s1fauao ;g aigguoseaa pa ;null ;ou inq 'gulpnput 'ZZ 110 12 3 aS slq; ul papinoad salPautaa ay; gulnsand u[ paaanaul sasuadxa He papa o; paI ;l;ua aq iiggs aapao' •Ate ameallddy Cq pa;;puaad salpauraa .i q ;o Sue pug aigs 3o aanod aq; ationul Sete pug puituap aaq;an3 ;noy ;ln;uatuna;suj Slanaas slg3 fq paanaas sums He jo itnj ul macaw' a ;glpatutul aalnbaa .four uopdo s3; le aapao' 'aa fou aq; ul pagwads a ;ep aq; aaopaq ao uo paana ;ou s1 ;Inejap ay; 3j •alts pug aopeaalaaag o; aamoaaog 3o asuajap aaq ;o Cue ao ;jnUJap e 3o aaua ;spin -uou aq; passe o; mime ;anon g gulag o; ;Op ay; pug uol;eaalaaag ague a;g ;sulaa 03 ;Op ay; 3o aamoaaog =op; aay n; llegs aal;ou 3141 •itaadoad ay; 3o ales pug ;uaurna ;suj Alamos slq; Aq pumas sums aq; 3o uopeaalaaae ui;insaa Stem aagou ay; ul pal3Pads am) aq; aaojaq a0 uo ;inejap aq; aana o; amine; ;gq; (p) pug :paana aq ;sum ;lneJap 3143 galgm Sq 'aan+oaaog o; uanla sl aat;ou 3143 amp 3q1 tuoa3 &Cep of ugg; ssal ;ou ''a;gp a (a) :;jnejap 3143 aana 03 paalnbaa «ol ;ae ay; (q) ;Inejap ag; (g) aJpads Heys aai;ou aqZ •(aslnuay ;o sapinoad Ale' aigeallddvssalun 8i uol ;aaS aapun uol;eaapaag o; aolad ;ou inq) ;uauma;suj Slanaas sly; ul ;uautaaa2g a0 111g113n03 ,fug 3o ganaaq s,aaM0.u0g Suuiolio3 uol ;gaapaag o; aoud aauoaaog 0; aal;ou 343 Hugs aapao' •sa4Patuag :uol;gaaiaaay •ZZ :smo4o3 sp aazi9p pug ;upuan03 zag ;znjzapua' pup zamozzog s1MvMgAOOYNRIOdINn-NON 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: MFWY7770 (11/00) 041- 240319 -8 (0- 6AIWY) (0005).01 Page 14 of 15 /4/0 14 t (A_P HELEN MAGE 6 29 (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3051 1 /01 LO /L 190E wtoI £COVE �agwa3 ad S sandx3' uo�syiwiuo� n�ti .,�,1 HWWOA M y c;' mom 1 aaeiS 10 keno3 011end AMON S3NOf ANN3d IOOZ //y :ss Swoop H3IM GNV QNKSSf1H 'HH`JvN NH'IHH QNV III 'HHJKW )iNb'21,3 Sq snn aui aiojaq paSpaimouxae SRM auauzniasut SutoSazo3 91. !o 5 t eBed 10'19000) (AM)v9 S TVO X00 /ii) OLLLAkt1TN w p -6 :sa.ndxa uoissiu mo3 AIN `ONIIBIOAM ao MINIS