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HomeMy WebLinkAbout87235411 11 1 I.0 /I LSOS uuod 00 L£96tZL 'SJ TA,I (888) 'ial `9Z0Z I1%I `iU!Id `9Z0Z Xog 'O'd 3o iagwnu auogdojoi pue ssaippe ug set( pue `a1eMeia( 3o smut ayi iapun 8urisJXa pue paziue8io si slaw T' luaum.gsuI Swims sun .iapun aau sow ain st slow •su8issg pue sioss000ns s,iapuaj pug iapuaj io3 =union a se /Clams 2upou si iegi uopeiothoo aigredas g si s iar •oui `swais,CS uopegsi8o i otuoxloa)g oRduovi si „S I1y\]„ (a) •ivawnUsul Mimoos sup iopun io8e8uow agi Si IOMO.uog SV 3d IM ONV ONV9SfH NOSI IM H VONI139 ONV NOSIIM V N3Hd31S si (g) 7uawnoop sup of siaprg lie giiM iagia2oi L 0 0 Z Z 4 3 a e W pomp st go]gM `ivawnoop sup sugaw IuaumiIsuI ,C ;)Jnaas„ (v) '9I uopoos ui papinold osje are ivawnoop sup ui pasn spioM 3o a usn agI 2uipre8a1 mu! utgua0 'IZ Pug OZ `8I `£I ti suopoag ui powpp am spioM =no pue Moia(' pauijap are ivawnaop sigi jo suopoas a[drl[nw ui pasn spioM 31£86PZL000L£L0001. NIV'I T aDVd &L 3100U 1 1 11 9E13111 HUIM IN3Wf1HISNI INHOdINfl oelry elppe j /aeyll aluusj- A11wed a1 'Co y L09L2 3N '46 9IBH 31 N `I'J) r t1 MOON) aO .InuaO eie.IodaoO OOLL 0' f n,,I d NOIIVHOdHO3 30VO.UOW NOINO 1SHId :o1 uiniau IOVD 110 [ma Sulpaoaag aid aun silty anogv a3uds] l6ZL SWdOd 30VO11:IOW dWA 9t to t e6ed (s000) (AM)V9- %pi SNOLLINIdaI :�Cg paredom 0872354 (D) "Lender" is FIRST UNION MORTGAGE CORPORATION 5 Lender is a A Corporation organized and existing under the laws of NORTH CAROLINA Lender's address is 1100 Corporate Center Dr., Raleigh, NC 27607 -5066 (E) "Note" means the promissory note signed by Borrower and dated March 2 3 2001 The Note states that Borrower owes Lender Fifty -Five Thousand and No /100 Dollars (U.S. 55,000.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than April 1 2031 (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 Balloon Rider VA Rider (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) misrepresentations of, or omissions as to, the value and /or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, RESPA" refers to all 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. 0 -6A(WY) (0005) Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Page 2 of 15 1 Second Home Rider 1-4 Family Rider Other(s) [specify] 7249831 -00 Inhials: Form 3051 1/01 LO /L LSOE wood �,,f SIEII!�I 00 L£86VZL s� ;0 6 06Pd (s000) (AM)d9-� Aliadoid IeO1 2uttanoo luawnnsut Aiunoas wioJtun a alnitlsuoo 01 uonotpsunf /Cq suoueuen palrwtl quM sui uanoo wioJiun -uou pue asn Iguopeu s0; sltreuanoo wio31un sauigwoo ,LNHIAIII»ILSNI ALI2If1JdS SIH.L 'moat jo saoueigwnoua ,Cue o1 loo qns `spuewap pue swiep lie istuAr Auadoid aql 01 agri oql Alletoua8 puajap Iltm pue slueueM 10M011og •pioow jo saoueigwnoua io3 idaoxa `paiogwnouaun si Auodoid atll legs pue (uado.1d alp ICanuoo pue 1uei8 `o5e2uow o1 1i2U aq1 sett pue poAanuoo Along algisa atp jo pastas si 1anno.uog 1 egl S.LNVN1AOD 2IIMO?RIOH •luawnnsul MlunooS sup Butlaoueo pue 8u!seaiai'01 paltwtl lot! 1nq `8uipnpui 1apua'-1 jo pattnbai uoiloe ,Cue o p o1 pug :Auadoid atll pas pue asopa.ioj o1 14B!1 atp `01 palm!!! 1ou lnq `8wpnpui `slsaialur osotp jo ITe .w Aue asi ioxa 01:1114u aqi set! (su2isse pue siossaoons sjapua' pug iapuoj .ro3 aautwou SE) SHdy1] `wolsno .Jo noel Aldwoo 01 £mssaoau 3! `lnq luawnnsul iCluno0S sup ut .raMouog Aq palugiO slsarolui atp o1 allp Ie$at ,Ciuo smog SHd u qi SOOlgO pug spumsiopun IOMOIog „•Xuadold„ aq1 se luawnnsul *moos sttf ut o1 pa.uojoi s! 2uto8aioj atp 3o !Iv •luawnnsul ,ClunooS soli Aq paianoo aq osle Hugs suotatppe pug sivawaoeldai IId •AUadoid otp jo 1Jed a ialjealoq JO Mou sainlxi3 pue `saouguaundde `sivawasea Ile pug `i(Uadoid 041 uo paloa. 0 101Jeaiaq so Mou sluawanoidwt aq1 IIE H.LIM 11311.Ld0O.L ssaippd- Auadokl [apoD d'Zl 121.E8 2uTWOICM [MID] 3NAVH1 [10211s1 avoH ONIHiS AOOt1W SOU 3o ssarppe aq1 seq iCI1uafno goigM 00 P8Z L L LV£ L :lagwnN QI Pond d0383H -1HVd V 30VW ONV 013113H 03H31/11V V 31f103HOS 33S [uotlotpstinr dutplooag ;o a'- N1 [uotloipsunr 8utpioo0g ;o ad,(1] N103NI1 3o ALNl0O ate u! paleoo! Auodoid paq 2uTMoilo3 aql `ales jo iomod g1iM `sNalty jo su8isse pug srossaoons aq1 01 pue (su2isse pug siossaoons s pue .tapuoi io3 aautwou sg Aioios) SHdy1i o1 ,Canuoo pue 1ue18 `a8e8uow Agaiaq saop JOMOJJOH `asodlnd sup lOd •010N 041 pug luawnnsul Xlunoog stg1 .capun sluawool2u pug sltnuanoa mamouog jo aoueuuopod aq1 (u) pug :a10N aq1 3o suorleoijipow pug suo!sualxa `sleMauai lie pug `ueo-I alp jo 1uawXgdai atp :iapua'I o1 saJnoas luawrulsul AlunoOS s4l,l, AIIIddO&I 31-1,I, NI SI OIII dO 2Id3SNVILL •luawnnsul i(lunoaS sup io/p r OIoN atll npun suope8ilgo S JOMOUGH pawnsse sgq ,Cued 1gg1 lot! 10104104M `iCuadoJd ag101 agp ua)Iel set! 1et{1 /Wed iCue Sueaw „iaMO.t.iog Jo ;salami u! aossalans„ (Z)) UNIFORM COVENANTS. 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 instrument received by Lender as payment under the Note or this 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 tb 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 due for any Escrow Items for which payment of I'®6A(WY) (0005) 0 872354 7249831 -00 Initials:1 60 Page 4 of 15 Form 3051 1/01 544 LO /L LSOE WJOd 00 gl g e6ed (5000) (1lM)d9 0” UigiiM •uail atp 2UiA3puap! aoiloU a JOMouog ants view .iapuaj luawnASUI AlunoaS sup JOAO Aluoud ulEM uea goiiM uarj a o1 martins s! filmdom atp 30 Lied Niue legs sautwialap Japual 3I •luawnJisuj Alunaas sigl of ua!" atp 2upeuipzogns iapua7 o1 £ioloejspes luawaaiSe ue uatl a41 3o Japlo! atp wog samoas (o) .io :papn "ouoo are s2wpaaooid lions "pun /quo lnq `2uipuad ar11 s3wpaaaoid °so41 augur uail a41 3o luawaoiojua alp luanaJd o1 aleiado uoiuido s,iapua-I ui go!gm s2uipaaooid Ie2a" `ut uail ag13o luawaoiojua lsuie2e spuajap JO `4 glie3 poo3 ui uail alp slsaluoo (q) :luawaoiie gons $uiwro3Jad si Jamouog se 8uo" os Apo mg `Japual of alge1d00o11 Jauuew a ui Uatl 041 pamoas uoneailgo ag13o luawSed alp o1 2uilum ui saaJ2e (e) :iamouog ssalun mammal" Tattoos sup .iano ,iluoud set" goigm uail ,iue a8iegosip Apdword "legs .zamouog Uoiloas Ut pap!noid Jauuew atp ui wag! iced Hugs JOMOII0 `swan MOJOSg are swab 0501411eg1 alp oy •,(Ue 3i `sluawssassd pug `saag `gotta uopetOOSSy ICliunwwoD pue Cue 3i 'Spada'," a41 uo slum punoi5 Jo sivawSed plogasea" luawnJlsul I1ufOas si41 JOAO ,Cluoud uieug ueo 4oi1M Spada'," °t"1 of algeingpne suornsodwt pue 'sang `sa;IJggo `sluawssasse `so= IIe ,Cud hells JOMOJJOH •suai7 ''sa2Juto 'b *Japuol Xq p "at" spund Cue iamouog 01 puma' Spdwoid Hugs Japual luawnnsul ,Cl sup iq pamoas suns He 3o "In3 ui 1uawAud uodn •sluaw,ied Aitpuow ZI ue41 crow 011 u! lnq ddsgg aouepi000g ui iiouaioijap alp dn 03Iew o1 Ammssa00u lunowe at"! Japual of Xud j"et"s JOMOUOg Pug `ddsgg ,(q pannbai 511 .i0M0110 ,C3pou ilegs Japua7 `ddsgg Japan paui3ap sg `MOiosO ut plat" spund 30 Xouorn jap g si am 3I •sluawkgd Algluow ZI mg' arow ou ❑r 1nq `ddSd2I rll!m aouepiooag ui aSeuogs 041 dn °New o1 klessa00u 'mourn atp Japua-J 01 /Ced !legs JaMOUOg pue `HdSg 1 paunbaJ se JaMOIIOg A3ilou "legs Japaa' `VdSH2I Japan paui3ap se `mamma ui "Nag spund 3o a2elrogS a s! wall 3I •VdSg2I 411M aOugprooOR ui spunj ssaoxa alp J03 JOMOJJOg 01 lUno00e Hugs JapUa7 `ddsgg Japan paugap se `MomS° ur p "°q spund 3o swims a si anti' 3I •Vdsau ,Cg paunbaJ s11 spund alp 30 2Uiluno0og "enuUe U11 `aaJeg0 'wpm `Jamouog of an45 !legs Japual spund 041 uo pied aq hugs 1samalu! let"! `JanaMOg TupfM u! Oa1le ueo Japual pue JOMOJJOH "spund alp uo S U!UJea 10 lsaralur Sue JOMouog X11d 01 pannbai aq sou !legs Japuo `spund °t"1 uo pied aq o1'swwalui saunbai mr" a "geoilddy JO 8uppm ui °pew si 1uaw0a12e de ssa"Un •a2Jego g gons ova' o1 JapU0 suwiad mug algRogddv pue spund alp uo 1S0r01ui JOMOUOg sAed Japuai Ssalan `small mama alp SuiA3uan JO luno0o11 MOJOSO aqi 2u!z,(Iete ,Cllgnuue `spund 041 2UiiCldde pue BUiplog 103 JOM0110g alreio 1ou !lugs Japu0Z •ddSg2I Japan pai31oads amp 041 Imp Jam" ou swan M0J0sg 0y1 ,Cud of spund alp Aldde !legs Japual *Mugu ueo'l awOH I1Japad ,cue ui Jo (pamsui os are susodap asogM uoilnlilsui ue si Japual 33 `Japual 8uipnlou!)'lriva Jo `Alifeluam11hISU1 `rCOUa2e Ierapa3 a ,Cq pamsui are susodap asogM uorinlllSui ue ui p "at" aq "mils spund agy •Mw[ algeoi "ddd grim a0UepJ000e Ui asiMJaglo Jo swan mama aim 3o saznlipUadxa 3O SaIewllsa a "g11UOSea1 pue 11111p luaun0 3o siseq atp uo anp spund 30 'mourn alp 0lewils° !legs Japual ddsgg Japan °unbar 11110 Japual a mourn wnwix11w alp paa0xa o1 tot' (q) pue `ddsgg Japan paijioads amp atp le spund atp idde of Japual ltwrad o1 1uaIOi33ns (e) 'mom ue m spund mot" pue loall00 'ow!' Niue le 'Sew Japual uopoas sup spun paunbai uagl am 11141 `slunowe gons ui pug `spund Ile Japual 01 /C11d "lugs JOMOJJOH `UOile0OnaI gons uodn `pug SI uopoas grim a0ueproo011 u! uani2 aoriou g ,(q a un Cue le swan Mo1OSg I[e Jo 1(UU 01 se JanieM 041 a)"onar Aew Japual •lUnowe 4ons Niue Japual 01 ,Cedar 01 6 uon0as Japan pa1113i "go aq uagl "legs ramouog pue luno= gons A11d pue 6 uopoas spun asIOJaxa view Japua1 `wall Mo1OSg ue Jo3 anp 'unwire aql /C11d o1 Slie3 JOMOUOg pue `rann?M 11 0l lUensmd `Spoanp swan Mo1OSg /C11d o1 p01u2ilgo si JOMOJJOH 3I •6 u01oas u! pasn Si „luawaar8g pue lUguano0„ asgigd alp se luawnJlsul Mlunoas sup ui pauig1UOO 1Uawaa1211 pug 1Ueuano011 aq o1 pawaap aq sasodrnd Ite Jo3 Hugs sldia0ar apinord 01 pug sluatuSed lions aa"ew 01 uoi1118i"go s,Jamouog •annbar Sew Japual se pouad au'!" 'ions mglim 1uatuSed 4ons 2UIOUaptna sldiaoaJ Japual of gsiurn3 "legs `sannbai Japua13i `pug Japual paniem uaaq se4 spund 546 O j54 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 C)-6A(WY) (0005) 7249831 -00 Initials: 'Y VAVV Page 6 of 15 Form 3051 1/01 l0 /1. 1.0C WJOJ gl 0 g/, :91EI 00 ajgeuoseai BwAgd (3) pug :moo ut 8utreadde (q) :1uatonnsuj ,Ciunaas sits JOAO cluoud set tottM uop a Aq pins scans Aug 8urced (g) :01 paliwij lou are 1nq `apnpui ugo suonoe s,iapuo'j •Auadold atl 8urnedal .to /pug 2uunoas pug quadoid 3113 jo omit acjl 2ujssasse so /pug 2uuaaloid 8utpnjaut luawn.gsur Aulnas stye .iapun sig2u pug Alladold at1 ut Isamu! s,lapua- i iold of awudoiddg to ajq uoseai st, ionowgM l0j cud pug op Aew Japua- uati `Auadold at1 pauopuegg Sgt.! lamonog (o) io `(suorwin2al JO SMgl aoloJua 01 10 1uawnllsuj Alunoas srgl Jano Aluoud urn Agw rjargM uarj g jo luawaoiojua ioj 'ainitajioj 10 uou uwapuo3 ioj `aiegold `Aoldnnju1lq ui 8urpa000ld g sg tons) luawnnsuj A1unoas sup Jopun suiSu io /pug Auadold ati ui Isamalut s,iapuar 1oojje Anugolpu2is 1g8tw wqi 8ulp0000ld !ego! g si atom (q) 'luawniisuj Alunoos stye ut paurmuoo sluawow2g pug slueuanoo atl wiopad 01 sjte3 lamonng (g) 3I •luawnrlsni Auanaas sjyl .spun slg8pj pug A;lado.rd ay; uj jsala;ui s,aapua-i 3o uopaa ;o.rd •6 •aouap!sal jedr3uud s,laMonlog sg Auadozd ayi 30' Aouedn000 S,l1M0110g 8ltulaouoo suoueivasaidai `o1 pauwij loo are lug 'apnpu! suongluasaidai mumps' •ueo-j at1 pitm uopoauuoo u! (uopewiojut jeuoww qpm Japua7 apinold O1 pajmj 10) lapua7 0l s9uawalgis l0 uongtolojw alulno3gu! l0 'surpgajsiw '35j03 Ajje1101ew On x2 luasuoo 10 o2porMOU1 S,10M011011 4UM z0 11M0110g jo Uonoalip 3yl 1g 8Unou santlua JO suosiod Aug Jo 1amo.uog `ssaoold uopgotjddg ugo-j ag1 8uunp '3r )jngpap ui aq pegs lamo.uog •uopgaijddv ugoi s,Jan+o uoj •8 'asngo olquuosgal tons 8uiAjpods uopoadsui mum! ue lions 01 loud l0 jo atop at) w aopou laMoJlog anr8 pegs lapua' •A1Jadold ay1 uo sivawanoldwr ay1 jo loualur ati loadsut au! lapua7 `asngo ajquuoseal sgy it 31 'Auodold at1 jo suopoadsut pug uodn satllua aZ a/gw cew 11102u sit Jo lapua-j •uonglolsaj 10 *dal tons jo uonajdwoo aril .10j uopg8ljgo s,zamo .10H jo panalja1 lou si JoMo.uog `AuodoJd 3111 alma! Jo pedal of luajoijjns lou are spaaoold uonguwapuoo .10 aouelnsu! aql 3I 'palajdwoo Si )110M aql sr s1Uawcgd ssai old jo sauas g Ur JO 1uawAgd aj2uis u ut uollglolsal pug Sliudal atl 1O3 spaaoold asingstp Amu lapua- •sasodznd tons loj spaaoold pasuajal sgy lapua-j ji Ajuo AuadoJd alp 8uu01sa1 Jo 2uutgdal loj ajgisuodsai oq pugs Jamouog `AuadoJd ay1 `3o 8upjel 3111 Jo `01 08gurup qIM uonoauuoo ut pred ale spaaoold uopuuwapuoo to gouging!! 31 •a8gump to uopwouolap Jay11nj prone o1 pa8ewep 3i Auadold atl ngdal Apdwozd jjggs JamoJlog 'ajgrseoj Ajjeoiwouooa 1ou s! uonglolsal Jo gudar 1g S uorioas 01 luensznd pauiuualap s! 1! ssajun •uonipuoo slt of anp anjgn to 8utsgaloap l0 BUtluloualap wo13 A1JadoJd aq1 luanald o1 Japlo Ur AuodOJd 3111 uigiwgw pugs JOMOJJOg `Auadold 3111 u! 2ulplsaJ 51 IOMOJ1011 10U 10 Jat oqm 'A11odoJd all uo glom llwwoo 10 algloualap 01 A11ado.id ayi mom `Auodold at1 nedwt l0 a8eump `AoJlsap 1ou jjggs 1amoJlog •suoipidsui 'A ;Jadoid aq; jo uoj ;3a ;oJd pug aaugualupq j 'uopenaasaad •L 1oquo3 s,JaM011og puoAoq are goigM isrxa saoUelswnaJta 2upunuaixa ssajun Jo `pjattlim Ajquuosualun aq lou pugs luasuoo totiM '8uni1M u! saal8g asrAUaglo Japun ssajun `,(ouedn000 jo amp at) 1a13e ma,( ouo lsgaj 1g Joj aouap!saz jgdi3uud s,lamo1Jog sg AuadoJd ot1 Adn000 01 anutluoo jjgts pug luawn11SUI Alunoas slap 3o Uonn3axa ati 1a13g scup 09 wpm aouapisa! jgdiouud s,J3MOJ1og se Auadold at1 osn pug `tsijgmsa `Adn3oo fl gs lamollog •Aaugdnxo0 •anp uat1 Jo latla11M `luawnxisuj Alunoos sop Jo aloN ag1 lapun predun sumo= Aed 01 10 cilad0Jd ayl alolsal 10 nedal 01 1ag1ia spaaoold aouglnsui ayl osn Agw lapua' •Auadold aq1 jo o5 1anoo 0111 01 ajquotdde are slt8u tons se .mjosui `AuadoJd atl 8uuanoo sapljod aouglnsut jig Japun (Jamouog Aq p!gd swnrwald paulgaun jo punJal Aug 01 111811 ati uuti latlo) sig2u s,loMoLzog JO latlo Aug (q) pug'luawnzlsuj Alunoas sr 11 10 010N ay1 zapun pedun sumo= ow Noon 0110u lunowe ue ui Spaa301d a0uglnsw Aug 01 snj a S,J3MOJlog (u) Japua'I 01 su8rsse Agalaq 13nn0110g `asIMJatlo Jo ZZ uon33S 'nun AlJadold ayl sazrnbog lapua7 j! to 'mono latlra uj uanr8 si aonou ow uagM u!goq !pm pouad Aup -0£ ats •upgp atl aplas pug aluno8au Agw 13pux j uatl `wrgp g aims o1 pala33o sgy l0U1e3 aouglnSur 3111 leg) zapu37 wag aopou g o1 scup 0£ wpm puodsal lou sop laMOJJOH 31 •slallgw polyp.' pug u>:iujo aouelnsur amp/kg Aue apias pug algno8au 'am Amu 1apUa' 'A11 doll ati suopuegg 13MO110g 31 •Z uonoas ul 10j paptnold Japlo aqi ut popddg aq pugs spaaoold o uulnsw yons •1amo.uog 01 pled `Aug 3! `ssa3xa at) tl!M `anp uagi 10U Jo latiatM 'luaurnhlsuj Alunoas sigl Aq paznoas swns at1 (000) (A V9 ON 74354 5 48 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 reinsures, 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. 6A(WY) (00o5) Page 8 of 15 Initials :g�N 7249831 -00 Form 3051 1/01 L0/1. 140£ W101 00- L£86PZL 4 t to B eBed (s000) (AAA)vg- 7 1101100S ut 103 popTnold iapio 0111 u1 paturl& aq pugs Aliado.rd otp jo .n dal so 110911100Sa1 of pagddg lou am ingl sp00ao1d snoompoOSq/i IId •1apu01 01 pred aq pugs pug pau2isse ,Cgaiaq am Aliadoid 0111 ui Isamu! s,lapua- jo luauumdwt 01p 01 algnlnqum o.m 14111 sa211ui p .io3 lump 10 p mu Aut jo spao oid ota •lu0wnnsu4 Alunoas slip lapun sigu io Aliado.zd 0111 pt 1s01OIut s;lapuo-I jo luawiindwt Iguop11w Jaglo .ro ,(liadord 0111 jo ainitajio3 sapnloaid luaw2pnf mopuo' ut `;e14t 8ugni n glin+ passiwsip aq o12ulpoaooid 10 uopo11 0111 8uisnmo `6I uopoas ul papinold sm oimsuta.r `paun000 seq uOpeIapOOe 3i `pug llnujop 11 gons ono uto 10mouog •luawn.Asul Aitmoas slip .spun slg2u 10 Aliadord aql ul Isamu! mopun 3o 1uaw.rmdun Tumult! iogio so Xu.uado.rd ag1 jo amlta31o3 ut 14ns01 pinoo luoui pnf s,iapua' uI `igtp un$aq si `mtptupO s0 pp 1ag1a11M `2utp0000id .ro uonou Aug 3i ilnujap 111 aq pugs mmouog •sp0000ld sno0ue11ostl i 01 p.m$01 ul uop0e 3o 1g2u 11 sug iaMOUOg WOgm 1suTg2n /Cued Oil 10 sp000O1d sn00u11l10OS11AI iaMouog samo mtp Aii d pngf otp sueow „Am 8uisoddp„ •anp u0g1 1ou 10 10gp04M luawnalsul Afimoos sigf pamoas stuns oil of 10 Auadold ail jo imdai so uop111o1s0101 iagpia sp0000id snooue11oospAi 0111 AIddm pm' lo0ii0o 01 pazuoglne sr Jopua7 `11011!8 s! oop0U ail amp 0111 101311 Sip p£ uigllm 1apu0Z o1 puodsai o1 sITe3 1am0u0g `s0S11uiup .Io3 w! t0 g alilas of p. mme ue aaluw 01 sia33o (aouoivas lxau ayl 111 pouijap sE) AIM 2uisoddp agi 1mgi iamouog o1 Iapua' ,Cq aopou .ra13g `31 .10 `JOM0u0g Aq pouopugge s1 i(liadoij ag13I •anp uoip am stuns 9111 1011 10 'mown fuawnnsul Munoos sill 4(q pa1n00s stuns otp 01 po11ddd aq pugs sp0000ld snoourpoosm ag1 ut oadt asrm.zaglo iapua- pee loMouog ssalun `anren ut ssol Jo `uotlonnsap `81111 Igpled ay1 aiojaq Alapg1Pawwt pamoas sums 0111 jo lunoure ail pull sso! si anlgn uT ssol so `uotloiulsap `Suialgl Igpmd ail amopaq X4a111ipawut I(Uadoid ail jo anren 1031mmw .ri j 041 4atgM ui A1J0do.1d ail 3o omen ut ssol so `uotlonnsap `2utalgi 4Ep.md 113o mono 0111 111 •loMouog of pied aq !lugs o uu eq i(uy •an4un ut ssol 10 `uoponnsap Tunlui 411psed otp =Jog A4oii ipawwt Auadold ail 3o anlen 10)j1gw 11113 aqi (q) Aq papinnp 011ren 111 ssol s0 `uononnsap `but pui nd 041 =Jog ,Clalnlpaww! pampas stuns 0413o Iunoue Ig101041(11) :uop3e13 21.11MO4403 ail �Cq pagdpinw spoo old snoaumi10osm 041 Jo lunowg ag1 i(q poonpoi aq iimgs 1U0wnnsul d(lunoas slip sq pamoas stuns 011 `8unum uT 0018m asImlagio lopua7 pug 1OMOU0g ssalun `anj A uT ss04 10 `uopannsap `&ple1 111111gd all mpg X1alm!Pawwt luawnnsul iC1!1noas styli Sq pamoas stuns 011 3o lunowE 0141 ugg1 1a1mo18 01 111nbo sl own ut sso410 `uoponnsap `8111 1en1gd all =Jog A10111!paww! Auodold 0141 JO own 10vmu 1Tn3 all gPigM ut Miodold 0111 3o 0114nn uT ssol 10 `u0ponnsap `8ula4gl 1gn111d n 3o mono a41 uI •lamouog 01 pied `,Cum 3i `ssOOxa alp 1pim `anp uog11ou JO Jog aim luawnnsul Aluno0s sig1 paln9OS suns 0141 01 paijdd11 oq hugs spaaoold snoau1110ost4,I 0144 `1Clladold 0141 3o amen ui ssol 10 `uoponnsap `2 !E101 11 Jo Juana all uI •Z uopOOs uI 103 papinold 1apmo 0141 ut pa14dd11 aq pugs sp000oJd sno0treji0OSt)AI gons •1am0uog o1 pred `,Cue 3i `ssaoxa ail g1Tm `anp 110141 1ou .10 1014104M luawn.nsul *moos sill Aq pamoas suns 0141 01 popddu aq pugs spoaoold snooumllaosg,%l 0111 `pauassal oq p4nom ,Ciunoas s,iopua'l 10 alglsea3 Ai1eoiwouoo0 1011 Si 11da1 10 UOrinlolSal 014131 'sp000oLd snoaue110OS1J4 Ions uo s2tuu1110 Xug Jomouog Aed o1 pannbal aq mu pugs 1apu0' `sp0000id snoourpoospAl gons uo pied oq o1 Isamu! sannbal m11* algmoilddd 10 2upuM u1 apuw st fu0w001211 1111 ssalun •polo dwoo s1 311oM alp sty sluawArd ssaiSold 3o sows 11 111 10 luOWOsings4p oT2uls 11 111 uop11101sai pug s.ledoi 041103 Aed X11w Jopua7 *Xpdwoid ualpopun aq hugs uopoodsut gons 111g1 papinold `uono13spus 5,101110'4 01 pololdwoo uooq set! OM 0141 o. nsua o1 'CUadold gons ioodsut 01 iC1tun11oddo tie peg 5114 lapua' 4111111 sp000oLd sno0u1faasi4AI gons plot! 0l ig41 0141 0Aug pugs 101110'4 `pound uopnlolsal pup _pedal gons 2uufQ •pauoss04 lop Si Alrmoas s,lapuarl pug OlgisEO3 ,C1411Otwouo0O sI 1red01 so uop11101501 otp 31 `Auodold aqf 3o .7(10110 uop11lolsal 01 pal4ddg oq i4Egs spaao0ld snoaum410ost4,g gons `pa811wep Si iCU0do1d 01 413I •lapuarl 01 pied oq pugs pun 01 p0u2Tss11 Agalag a1m sp0000id snoaumllaosg,4 Ild •a.m14a3ao3 :spaaoo.rd snoau1111aasm Jo luawu24ssV •41 •uopeutwaa; a0 uo4 ;e14a3U110 Bans Jo amp 0q; ;e pau.reaun aaaM ;eq; swniuiud aaueansui a2e2 ;aoly Sue Jo punJaa a an4a301 o; .10 /pue q11Eal3ewo ;ne pa ;eutwaa; aaueansui a2e21JOIAI al; aneq o; °a0ueinsui a2e511OIkj aq; 3o uol ;epaauea melgo pu11 ;sanbaa o; °saansopsip ute ;iao 0111000.1 o; 11424.4 aq; apnpul .,(em s ;424a asagi •met aaq ;o Sue .ro 8661 Jo ;ad not ;anoad saauMoawog aq; .spun aaueansui a2e2110IAj aq; o; ;Oadsaa q ;IM Sue 34 set{ aaMOaaog slq44 04; 1aa33e ;ou T14m s ;uaw00a2e gons AuV (q) ®6A(WY) moos) 550 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. 7249831 -00 Initials: Page 10 of 15 Form 3051 1/01 L0 /1- L50C W401 00 u qum uopoauuoo ur sannbai ddsgg uopuwzojui iaylo Aue pue apew aq plurals sluauAed TOigM of ssaippe ayl `1a0unMas ueog Mau alp JO ssaippe pue aueu alp alels i11M Toupin a2ue4o alp JO 0011011 ua1111M uancg aq !pm lam0110(a `1001n10S 11eog 04130 02uuyo a Si amp 3I •010N ayl ;o ales a 01 melanin Iaocnlas crag OT1 jo sagueyo 010W 10 auo aq 142uw osle 01012 Meg atgeoijddy pue luawnnsul Awnoas sup `aioN am Iapun suopegggo guuotnlas ueoi 02e2uow 1atplo sutojtad pue luawnnsul Awnoas sup pue aloN alp Iapun grip sluawI(ed 0up0uad sl0aptoo Imp Jaowas uuo'„ am se umoul) Alpo alp ut a2ueto a uu 1pnsal 111$4w ales y •tamouog of aonou ioud 1notp!m sawn 01011 10 auo plos aq ueo (luawnnsul ,CUlnoas sup gum Jagla2o1) aloN alp Ulf lsalalul leilmd a 10 OION atpZ •aauuna!D 3o a)ploN :aaa!AiaS ueog ;o aueq,g :aION 3o ateS '0Z •gp uopoas Iapun uoieiapaoou jo asuo alp ui A1ddu 1011 pets a1elsuca1011tgt1 sup `lanamog •paun000 pug uo!elapaooe ou 311 se an110a33a 'C1ln3 uuuuat peps ,Cgoioq painoas suonegulgo puu luawnnsul ilunoas sup `IOMOI.10H i(q luawalelsUuat uodn 'Jamsuuij spund ouuonoalg (p) 10 :/(lnua s0 '1u1e1uaunnsut `Souage pelapa3 a (q palnsuu ale slusodap asoym uopnlpsuu ue uodn wasp st tons Cue papunold `)loayo s,lautseo 10 )loayo s,lalnsean `310at0 xtteq `313040 1101311100 (o) '1ap10 ,iauow (q)'tse0 (e) :Japuag Ag Impalas Se 'sumo 2urmoppo3 alp 3O 010W 10 auo 111 sasuadxa pue scans luawalelsuuat tons pied lamouog legs annbal Arm lapuag •pa5uey0un anUpuoo Nuys luawnnsul ,(lunoas sup ,(q pampas scans 041 1Cud of uope2ipgo s,lam0uog puu luawnnsul Awnoas sup Iapun s1g2u pue /lladold alp ui Isamu! s,lapuag 111 1 amsse of annbal Alguuoseat Amu lapua' se u0p3e lions swim (p) pue 'luawnnsul Awnoas sup Iapun sl 'I$t1 111111 i(lladold 041 uu Isamu! s guuoalold jo asodlnd 041 103 paunouc saa3 laylo pue `saa3 uopenpen pue uopoadsui ,C11adoJd 'sag; ,s,(au1o11e apquuoseat `01 paluutl 1011 1nq `54upnj3UT `luawnnsul A1un0as sup 2uuoloJua ui paunopu sasuadxa lie sAed (o) 'sivau0al2e 10 slueuanoo 1aT10 ICue 30 llneJap ,(ue soma (q) 'paun000 pet uone1a1a00e 011 311 se 010N am pue luawnnsul Awnoas sup Iapun anp aq ppnom uayl ToITM scans iJu lapuag &Cud (u) :1oMo11og Imp 0111 suopupuo0 °sou,I, •luaunnsul iC1uno08 sup 2uiaiojua luawgpn[ a 3O Alva (o) 10 '01e1s1191 01 1441 S J0M0uog 3o uopututu 1 alp 103 i(jioads 10iw mug algeoilddy se pouad lotto lions (q) `.luawnnsul'(lumOas stye ur paumluo0 ales 30 lamod d(ue of luensmd )(nodal,' alp 3o ales =jag sAup ant; (e) :jo 1sa 'Ilea 0141 01 loud amp J(uu lu panupuoosip luawnnsul *moos sup 3o luawaoloJua 0Aet of 142i1 atp airy Nets I0MOJJOg `suopipuoo u1e11a0 Slaaw 10M0110g 3I •uoileaalaD V 1a1,{y alelsutag of Rani s,lamolaog •6T '10M011011 uo puewap 10 aopo11 1a411n3 lnotltm luawnnsul Awnoas sups Aq paliiw.lad satpawat Sue a3lonut Arm lapuag `pouad sup jo uoilundxa 011 01 loud sums asa141 iced 01 spy lamouog 3I •luawnnsul ,(lim3as site sq pampas scans Ile Aed lsnw 1amouog t314M uutpim 51 uotl0as glum aouuptoo0u 1111 u0nc2 st 03110U alp amp alp wo13 s,Cep p£ uetp ssal 1011 JO pouad e apuold Heys a0pou a4j •u0pe101000e JO 03110U 1amo11og 0Al2 Iluys I0p110g `condo Sitll sasu0laxa lapuag 3I •Meg apquogddy paliquyold su as101axa 'Ions 311 iapua' pasiataxa aq 1011 plugs uopdo sup `lanamoli •luawnnsul IC1un0as sup Aq palnoas scans pie 3O IIn; ui luaw,Cud aluupaww1 annbal Amu lapua' `Iuasuo0 ua11uM loud s,lapua' inotpiM (pauajsuen 10 P1os Si lamouog uu lsalalul peioijauaq a pue uosiad lumleu u lou Si tamOUOg ;u 10) pa.uaJsuen s0 P1os Si Anadold alp 1111 Isamu' J(ure 10 Muadold alp 30tied Aug 10 1ie ;j •laseyoind u 01 amp amity ale lamouog ,(q app jo t03SUe11 ayl s14Ou4M 30 maw! ay1 luawa01 11 M010s0 10 10E111103 SOWS mammal! `poop 1o3 101111u00 `poop 1o; puoq 11 111 pauaJstren Slsalaluu pecoujauaq asotll `01 palcwi11011 lnq `2utpnpoui `A11ado.d aT1 ui Isamu! luuoi;auaq 10 111301 Cue sueaw Auadold atp ti! lsalalul„ `81 uouloas scull ut pasn sy •13AOlaog uu lsalalul 1eioi;auag u 10 ,flaadoid act; 30 1aJsueld, 08T •luawnnsul Alimoas sup jo pue a10N atp ;o Adoo auo u0ni3 aq hulls 10M0110g •,fdoj s,1aMOlaog LT •uopou Acre a3pu1 01 uone21tgo Cue lnotp!m uopalostp otos sant3 iCuw„ prom ay1 (o) pue 'estan aoun pue tumid alp apnpout pure maw Hells min3uis 01111 to spIoM (q) `.lapua3 011rutwa3 atp 3o sp1oM 10 sp1oM 1alnau 3uipuodsauoo apnloui pue craw Ileys lapu03 auupnoseu alp 3O spJoM (e) :luawnnsul Awnoas sup ui pasn sy •u0tsinold 3upo'I3uo0 0141 lno'Ilim 1oa33a uancg aq 11110 tou4M aloN alp .10 1Uawctnsul *moos sups 3o suousrnotd 1ay10 10033E 1011 plugs 104;1100 Ions `Meg apgeoiddy glum s10tiJuo0 aloN rap 10 maunnsul 14un0as sup 3O asnel0 s0 uOiscnold ,CUE legs 1UaAa alp ul •10unuo0 i(q 1u0u0a13u lsuue2e uoruquyold a Se panllsuo0 aq 1011 Hells aoualis tons lnq 'maps aq 111 !w 1! 10 10unuoo Sq 0013e 01 sailed all mode 1CpPUldwu 10 Apu3ggdxa 14$iw Meg algeoulddy 'mug algeotiddy jo suonuuwip pue sluawannbai Cue Ol loafgns ate luau .usul i(lun0as su .p ui pauuetuo0 sUope31go pue sly3u by •Paleool su Auadold am 4314M ui uopOupsumf 041 ;o mei am pue Mep imam ,(q patuano3 aq guys luawnnsul'lilnoas sutl 1 •u0ulpnalsuoD 3o saing :Slgigelanas :,+ne1 3uivaano f •91 VIf ?:(11 9 (o L L e5Ed (s000) (AM)V9• awl 552 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. 6A(WY) (0005) Page 12 of 15 7249831 -00 Initials: t r Form 3051 1/01 LO /L JS0£ WJOd OO iutwo,CM Jo smei uopdwaxa peoisawoq ag13o anutn ,(q pun Japun sanlem pun sasnapi iamouog •saanleM 'bZ •mn-I aignatiddd iapun paluuJad st aaj alp jo 2ut2Jega alp pun patapuaJ saatntas io3 Sued png1 a of prod st aaJ alp Jt Aiuo inq luawnhlsui Animas sty; 2utsuoiaz Jo' aaJ e Jamouog ali.iega Sew iapua7 •sisoa uonepioaai Aun find sings iamouog ivawn.nsul ,(lunoos sigi asnaiai pups iapua-i luou nilsui Sumaas sup Aq painaas stuns ite jo luatuAnd uodn aseaia i '£Z ;t o; pal ;pua Slle2a1 suosaad Jo uosaad aq; o; ssaaxa Sue (a) pun ;uatuna ;suI S ;lanaas sly; Aq paanaas stuns lie o; (q) :saaj ,s,fauao ;;e algnuoseai 'o; pa ;[tug ;ou ;nq lulpnpm 'airs aq; jo sasuadxa ile o; (n) aapoo 2ulmopoJ aq; ul paildde aq hags ales aq; jo spaaaoad aqy ales ,fun ;e ,fpadoid aq; asegaand few aaualsap s ;l Jo Japua-1 •nne -I algnagddy ,fq pagpasaad aauuetu aq; ul P1os aq 11egs S;Jadoad aq; pun 'ales jo aapou aq; gsllgnd Hugs Japua-1 •ST uo!pas ul papinoad aauuetu aq; ul aamoJJog o; ales aq; JO aapou a/4 Hells Japua7 •11111 algeallddv q1 aaurpaoaan ui ';uaaajjlp 3t 'S;Jadoad aq; 3o uolssassod ul uosaad aq; o; pun JamoJJOg o; asopaaoJ o; maul! Jo aapou anla lings aapua-1 'ales jo Jamod aq; sanonul aapua-1 31 •aauappta apl; jo s;soa pun saa3 ,sSauJofe alquuoseaa 'O; pa ;iuul ;ou ;nq lulpnpu! 'ZZ uo!pas slq; ul papinoJd salpautaa aq; ;lumsand ul paaanaui sasuadxa lin papa 01 pal ;pua aq [lugs Japua-1 •Atul aigealiddv ,fq pa;ulWJad salpatuaa Jaq ;o Sue pun ales Jo Jamod aq; a3lonul Sum pun puewap aaq;Jn3 ;noq ;ln+ ;uawnJ ;suI ,f;lanaas slq; Sq paanaas stuns He Jo 1113 ul ;uatuSed a;elpaW Wl annbaa Sew aol ;do s ;l ;e Japua- 'aal ;ou aq; ul paglaads a1rp aq; aaojaq ao uo paJna ;ou sl 1lnnPap aq; 31 .ales pun uopeaalaaan o; aaMMo.Jou Jo asuajap Jaq ;o ,fun 10 ;1ne ;ap e Jo aaua;slxa -uou aq; ;.assn o; uolpe ;anon a 2ulaq o; ;Opp aq; pug uol;eaalaaae Ja ;Je a ;e;sulaa o; ;gill) aq; Jo Jan: mmmm[ waoJul Jaq ;Jnj 11egs aapou aq •Spadoad aq; Jo airs pun ;uawnJ ;suI ,f ;lamas slq; fq paanaas stuns aq; jo uol;eaalaaae ul ;insaJ ,few aapou aq; ul pa1Jpads a ;ep aq; aaopaq a0 uo ;1n1Jap aq; aana o; aJnllnJ ;eq; (p) pun :paana aq ;snw ;ineJap aq; plats fq 'JaAto.JOg o; uanl2 sc aapou aq; ale!) aq; WoJJ s,fep p£ unq; ssal ;ou 'amp a (a) :;ineJap aq; aJna o; paJtnbaJ wpm aq; (q) :;IneJaP aq; (e) :,fjpads Hugs aapou aqj, •(aslnnaag ;o sapptoad nne-I ail:muddy ssalun S1 uopaas aapun uol;uJalaaan o; aolad ;ou ;nq) ;uawni ;suI £;lanaaS slq; ul ;uawaai;le Jo ;ueuanoa fun Jo gaeaaq s,Jan+oaaog NulMo11o3 uol ;eaalaaae o; J0!Jd JamoJaog o; aapou anl2 t1egs Japua•1 •salpawag :uol;naalaaad 'ZZ :smofoJ se aaan pun lunuanoa Jagunj Japua' pun Jamo.uog •SIMVNN EIAOD IAi2IOdIMfl s l to E L e8ed (soon) (AM)V9- Witnesses: 6A(WY) (0005) Page 14 of 15 STEPHEN A WILSON z A a! BELINDA H WILSON 554 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. (Seal) Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower 7249831 -00 Form 3051 1/01 LO /L L60S wJ0J 00 ni _A :sIeI u1 uoslTM •H sPUTTag pus uosTTM •y uagdalg Aq 100 Z tla aux T o asp pi Z sigl ow aiojaq pa2palmouxau sum luawni sui 8ulaazo3 ayy :ss ,f ;unoa uToouT'I ,'ti !,cf) S l 1 S l eBEd (soon) (Am)vg- %imp Z0OZ Civnigad :sandxH uo!sslwwoj `JPIILIIOAAA dO M.LU.LS .4:.J:..a 5 5 S EXHIBIT A Legal Description for Stephen A. Wilson and Belinda H. Wilson A portion of the NE'ANE of Section 12, T34N R119W of the 6th P.M., Lincoln County, Wyoming and being more particularly described as follows: Beginning at a point in the East boundary of said NE '4 NE said point being 661.65 feet South from the Northeast corner of said NE'4 NE /a thence South, continuing along said East boundary 665.45, to the South boundary of said NE 'A NE 'A thence N 89 °11'54" W, along said South boundary, 328.464 feet; thence North 660.86 feet; thence East 328.432 feet to the said East boundary of said NE' %NE' /a and point of beginning.