Loading...
HomeMy WebLinkAbout87211211 III II 1 LO /L L50E WJod 1 11 ON I V O,I, ►h qi 3 1 Vii )I e RN)VIA 2NNV31 8. :9 !i V 11 10 )W310 A.LNI1OO N100NI'l C)3AIJ3J YINQI03ITI 3 3o S;,LYSS aZH,L JO SMEI atp aapun 3upstxa pug paztue2.10 NOISY2IOduOo E st .rapual IN3Wf1HISNI WHOIINf OeW alppatI /eeIN eluued- AIlwed elOuiS 3MI Hovoi2IOW SWoH oDUY3 S'PIBM st „aapua -I„ (3) •luauznusul AlunoaS sup iapun ao5E2uour atp St JaMO.uog Z3IM QNY a&VaSLIH E31 2Ia3INNSf arm aAI2'I2IYrIDH V a'IO2IYH si „aaMOaaog„ (g) luaurnoop sup 0 1 staPQ Ire g11M .Jatlla2ol T00Z Z1 HOHYl4PalEP S! uottTM `luatunoop s!tp suEatu „;uaumalsul £;tanaag„ (v) '9i uotloas ut paptmucl osjE a.ro luaumoop sup ut pasn spioM 3o aESn atp 2uipJaar sa[nr u!EuaJ •1Z Put OZ 8I £1 ii suotloas ut paut3ap alE spaoM .raglo pue Mo[aq pautjap aie luaumoop sig jo suotloas a]diljntu ut pasn spioM L aDVd lId 09v, xoOa [OVOLI. TOY 1 [e ;ec 8ulpioaau ioa awl situ aeogy aaeds] 1 190E-140.7A iIIEL.8 t6ZL Z9(008) SW1,10d 30V0114O1A1 dWA ___,415 9 t 40 t abed (9000) (AM/9" SNOI.LINIdal 000010189 SN YHYIWO sY'IJnoa 616T 3NI SDVD L IOW ZWOH OD Y3 STISM :gig pan daad sE6ss NNI 'NOIDNIWOOZH ooZ alms •2Ia YaosaNNIw 109E 3NI aDvDJ 1Ow 2.1WOH 00 1V3 STIaM o I umlag LE68ES8 0 Adjustable Rate Rider Balloon Rider VA Rider Condominium Rider LxJ Planned Unit Development Rider Biweekly Payment Rider I Lender's address is P.O. BOX 5137, DES MOINES, IA 503065137 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated MARCH 12, 2001 The Note states that Borrower owes Lender ONE HUNDRED SEVENTEEN THOUSAND SIX HUNDRED TEN AND 00 /100 Dollars (U.S. ****117,610.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than APRIL 01, 2031 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: Second Home Rider 1 -4 Family Rider Other(s) [specify] 8 75 (I1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. eC)®6(WY) (00051 Page 2 of 15 Form 3051 1/01 L0 /1. LSOE WIO1 9L io O6ed sup zo aioN alp zapun luaui,Ced se zapua-1 pantaoaz luatunusut zaulo JO 3ia3110 ,Cue jt `zanamoH •,Couauno •s•n ut apses aq imp luatunzlsul ,Cltznoas sttp pue aloN atp zapun anp sluaut,Ced uotloas of luensznd small Mozosg zo3 spun] Ant ow pegs Jan/wimp •aloN ag1 zapun anp sa9ntio ales pue sa9zstio luatu,Cedazd ,Cur pue aloN alp ,Cq paouapina lgap alp `uo lsazalut pue `3o isdiouud alp anp uagM ,Ced hugs JOMOLIOH •saNaet10 awl puu 'sagaegD luauu ndaad 'small MOZasa '1saaalul 'iediaupad jo luatu,Ced •T :smoiio3 se aaz8e pue lusuanoo zapuarl pur zamouog •SINV•IHAOO I"IHIOdINf1 Suadozd ieaz 2uuanoo luatunzlsui ,iltinoas tuzo31un s alnitlsuoo o1 uotlotpstznf ,iq suotlsusn palttup tiltnn slueuanoo tuzoJtun -uou pue asn ieuotleu zoj slueuanoo uuoJtun sautgtuoo ,LNg F\Irn LSAII Aimin IS SIH.L •pzoaaz 3o saouezquinoua Sur 01 laafgns `spuetuap pue stutsio its lsute9e Suadozd alp 01 aim alp ,Ciiezaua2 puapap iitM pue slususM zamouog 'pima/ Jo saouezqutnoua zoj ldaoxa `pai gtunouaun st Spada'," alp legs pue ,Cuadozd atp Sanuoo pue luez3 `a2s21zotu o1 1145tz a D ssg pus pa/Canuoo Sgoiaq aislsa alp jo pastas 6iitt3Mei Si zamozzog 1eg1 S.LMVAIgAOD 2IHMO'RIO11 „•,Cuadozd„ aq1 ss luaunulsui ,fuznoas sigl ut o1 pauajaz st Suto9azoj aril jo iid •luaumzlsui ,iltznoas sail ,Cq pazanoo aq osie imp suoptppe pue sluamaosidaz iid •,Cuadozd aip jo Inds zagsazag JO Mou saznlxtj pus `saoueuaundds 'mama= Its put `,Cuadozd alp uo paloaza zageazag JO MOU sluatuanozdtut ag1 9 NIP moo) (AM)9 Its HIIM 2IgHJ 2DOI „ssazppd Suadozd [apo0 d!Z] L Z I E 8 9unu0/ M' [AID] SNAYHL pans] aIAIaa xYo snaps s Z Z 3o ssazppe aq1 ssq ,iiluauno got1M 0 .0 8 z 0 :zagtunAi QI pond LETS90E0S VI 'SENIOW SRC' 'LETS XOS O d '3N1 SJYDJ tom SWOH opava S'I'I aM OS J IaS as a'noms SJNEKS LYSS XYS 'JNaIY1f12IZSNI ASIU110aIS XENON HSYHa2ILld Y SI SIH.L •.10allSHS SY'Ia 'IYIOI.3.30 SHZ NO aaISI I3s a SY JNIIdoXM ASNIIOJ N'IOONI'I 's .LY'Ia HDNY2I AaI'I'IYA 2iVSS ,30 z s so'I [uono[psunf 5uipiooaj jo aw N] [uonoipsunf FutpiooaJ jo ad,Cj] N'IOaNI'I 3o AINl100 aql ut paleooi Suadozd paquosap 9uiMoiioj alp `airs jo zamod gltm `su9tsss pus szossaoons s,zapual pus a puag 01 Sanuoo pue 1uez2 `a2e5uotu Sgazag saop .taMOZZOg `asodznd stgl zod •a10N agl pue luatunuisul Sltznoas sitil zapun sluatuaaI I pus sluuuanoo s,zamouog Jo aousuuoJzad aril (ti) pue `a10N alp Jo suotleogtpotu pue suotsualxa `sieMauaz iie pus `urcri alp Jo luatu,fedaz alit (t) :Japual 01 saznoas luautnzlsul'Clunoas stti,l A L2Igd02Id 3H1 All SIHDIRI dO 2I 1dSNVII.L •luatunzlsul ,Clunoas stgl zo /pue a10N aq1 zapun suotlMMtigo s,zamouog paumsse sr!! Cued Imp 10u JO zagla1M `,fuadozd PM 01 aim uavl seg lsgl Sized ,Cur sueaw „aaMo.uog ;o !salalul ui zossaaans„ (d) 08'72112 Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts ®61WY1 (0005) Page 4 of 15 877 SIAM Initials G Form 3051 1/01 LO /L L90C W.oj g to g e6ed alp 2ut,CJtluap! aouou u Jamouog aAI hut 1apuaJ luamnalsul ArpnoaS sup Jan) iCluoud uiulle uuo goigm uat' u 01 loafgns si Amdahl atp jo uud Atm mtp sauituulap .iapua'l 3l •luaun.usul Aumoas sup. 01 uag aq1 2uueuipiogns .tapua-1 01 Atol0ejsges 11101.1100.12E LIE uat' aql jo iap'og aql woij samaas (o) .zo `papniouoo ate dutpaaooid gons !gun /quo lnq `guipuad an Ouipaaooid asogl aught uag ag13o fuamaotojua aqi luanaad of aluiado uoiuido s,iapuaj ut goigm autpaaooid Taal `ui uag aq1 jo luamaot0jua lsutag spuapap so `Aq gituj pool ui uag aqi sisaluoo (q) `luawaai2g: bons 2uituaojiad si .iaMOUOg sg duo' os Apo lnq `aapuarl of aiq idaooe zauuew u ui wag alp Xq pamoas uogaggo am jo luamhd aq1 01 2ujli1M ut saa Se (e) :.tamouog ssaiun luaurtulsul AlunoaS sup nano iCluoud seq gam/A 110tH Auu aViegasip Apdwoid'legs J MOUGH uotloaS ui papin01d .tauugw aql ui maul ,Ced gulls 1amouog `small Mo1OSg WE sung asagl 1811 lualxa agl o l •JCUU 3i `sluawssassy pue `saag `Sang uogeposSd AliununuoJ pue `iiue 3i 'filmdotd 0141 uo sluai puno15 10 sluawiCud p'ogasgai `luawtulsul )iumOaS sup Jan) ii1'10Ud menu U O gOigM iCuado1d atll of aiquingiille suoilisodmi pug `saug `sluaussassg `saxel iiu iced 'Tugs aamottog •suai :sa3auga •b •.iapuarl iCq piaq spund Atm .1aMO.J10g or pumas Apduoid !legs .tapua-1 luamtulsui 'C1imOas sup Rq pamoas sums lie 3o iln3 ui luau/Cud uodn •sluam1Cud Aigluow Zi uql atom ou ut inq `vdSgg g1tM aougpi000e ui SouaiOgap am dn a)'gw or ktgssaoau runowe zapua'l 01 iiud !lugs 1amouog pue `ddSa i Sq pa.zinbat sg aamouog ii1ou Iiugs .zapua1 `VdSg 1 aapun paugap se `M013S3 ui Nag spund 30 Aouaiagap u Si amp 3I 'sluatuhd i(lgluow Zi u ip aaow ou ui lnq `ddSd2I glim aouepiozoe ui ageuogs aq1 dn 031e111 01 A.tussaoau mottle aql .1apual 01 iced 'legs iamoiiog pue `VdSd2l iq paunbaa sg 1amouog fJi1ou gulls iapual VdS32I iapun paugap se `moaosa ut plaq spund Jo auuogs u Si amp 3I 'ddSd?I gum aouepaooau u' spun' ssaoxa agl .JO3 1 M0U0g of 1unoOOU Hugs .tapua'1 `ddSg 1 .Iapun paugap Su `M010Sa u' Nag spund jo sn'dms g s' atagl 3I patmba.z se spund ag13o 2ugun000u mum ue 'amp lnogIM `.1amouog or an!2 'Tugs 1apuarl spund 0141 uo pied aq Netts ma'am! lugs `zanamog `ffuu.tM ui aaau Uuo tapua'l pue .taMOUOg •spund aq1 uo s2uguea 30 ma'am! Atm 1aMOZ.tog ,led o1 pagnbai aq lou Hugs 1apua-1 'spund aqi uo pied aq of lsaialui soitnba.z mg'l aiggoilddd 10 2upi1M ui apuw Si luatuaaAe ue ssaiun •a5mgO u gans alum of iapuai sirtwad mei aiquoilddd pue spund aq1 uo maim! .zamouog shd 1apual ssaiun 'small mama am WUiAjttan 10 lunooOe mama ag1 2utzii'uue 1 ilgnuUe 'spund aqi 2uiii'ddg pue &uiplog Jo3 .tamouog amp fou hugs .tapua-1 •ddSd2l .zapun pag!Oads awif ag1 uugl Jalus ou swag Moiosg aqi dud of spun3 aq1 Aiddg Hugs aapua7 •)lttgg ueol auog'ezapad nitre u' JO (patting os a.tu slisodap asogm uopnulsui WI Si Iapua'I 3i `.Japuri Suipn'out) Alnua so `Aululuaun.usui `Aoua2u luiapa3 u Aq painsui a.tu susodap asogm uoilnulsui uu ui Nag aq Hugs spund •Me"I alquoiddy grim aouepio3On ui as!nuaglo 10 swag mama ainug 3o sainupuadxa jo saluuifsa aiquuosuai pue ulup manna Jo stseq alp uo anp spund 30 lino= aqf aluutisa Hugs •ddSZ?I aapun aambaz ueo .1apua' u lunotue wnwixgw aqi paaoxa of lou (q) pue `ddSgg 1apun pagioads aup atp 114 spund aq1 /iiddu 011apual ltuuad o1 1ualogJns (e) lunotue tie ui spund Nog pug papa 'anvil ping 1u 'Amu .1apua'l uopoaS sup zapun pa.nnbat uatp atu 1g111 `slunouu gons ut pue 'spund iiu iapuai or /Cud Hugs .tamo110g `uopeoonai gons uodn `pug SI uopoaS g1IM aODUp1oOOg ui uanig aOpou E Aq auzp ALM 1E swag M01OSg iiu so SUE 01 Su IantuM ag1 03101101 AMU aapua' •lunowg gons Atm Japuai 01 rCudai 01 6 UOI10OS .1apun paleffiigo aq uagi I'ugs .tamouog pug lunowe gons Cud puu 6 uopoaS .1apun siggu Si l asiOaaxa hu iapuai `wall Mozosg ue .to3 anp lunotuu agl ,Cud 01 spej 13MO1.1og pug `Samem a or lugns nd `Apoazip swag moaosg hd or palaiigo st 1aM01SOg 3I •6 uopoaS ut pasn st „luauaa1ge pug luuuanoO„ aseigd alp se luautulsul iilimOaS sigl ut pauigluoo luamaaau pug luuuanoo u aq 01 pawaap aq sasodand lie Jo; bugs sidiaoai apinozd of pug sluauAud gons alum of uoilg$ilgo s,aamouog •atinbaa Auw 1apuarl se pouad amp gons uiquM 1uatu d gons uiouapina sldiaaa1 iapua-1 of gsnunJ 'legs `sannbai .Japual 3i `pug Japuarl Aq panium uaaq sgq spund Jo luauArd gomm .toj swan mama Atm ioj anp p. Siena i (goon) (AM)9- lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with ®6(WY) (0005) Page 6 of 15 Initials: r 3 %'79 Form 3051 1/01 L0 /L LSOE WJOI sIe 1 ui 9 L lO L e6ed M9000) (AM19 ®cio atgeuos11at 5ut,isd (a) put !moo ui 2upEaddn (q) :luatutulsuj Alunaas sigl .tano /C1tlolid seq uotgm uagl a /Cq pumas stuns /iue gut(Ed (e) :01 palttut! iou are lnq `apniout IMO suoilog s,lapual •/C11ado1d alit 5uutedaa io /pue Buunoas put `,Cuadoid a141jo amen alit $utssasse io /pue Supoalold Su►pniout yuatun1lsui Altinaas still Iapun pue /Cuadoid alit ut isalalut s,lapua•1 iaaloid of a2Eudoldde Jo aigeuoseai sI Ian01E1M io3 /Cod pUR op /Cetu zapua- uagl quadoid aql pauopuEg11 sat IaM0nog (a) .uo `(suotlein2ai .uo snot 00103110 o1 10 luaumalsui /Cltlnaas spy .Iano Altlotid utE11e Motu goulm uatl a jo luauUaa1OJua io3 `ainitaj1o3 .to uopeutuapuoa Io3 `alEgold `,foldtu u q u! 2utpaaaoid g se Bans) luatunllsui A1uno s sup iapun sul3IJ Io /pue ,ivadold 0141 ut Isamu! s,Iapu07 loa33e Ailueo11iu2ts 1115itu 1em &utpaaaold legal a st atom (q) luatun11su1 /Clunaas sup ut paut11luoo sluatuaa1SE puu s1U U0A0o 0141 uuojiad o1 stte3 10M011Og (E) 3I ';uatunalsul'Cltanaas sup aapun sl13111 pue £liodoad 0141 u! 1saaa;UI vapua-I ;o uopaaload '6 •aauaptsai iedtouud s,l0Mo11og se AuadoId aq1 30 /Couedn000 s,.10MO.uog VuItuaouoa suoIIEluas01da1 `01 Paltiut! 10u are lnq `apnlout suotleluasaJdai 1 tiro-1 am mph uotloaUuoo Ut (uouRUUoJut JEilaIEtu g11M Iapua'i aptnoid of palm.; Jo) 10111101 0l sluatualgls 10 U0t1EUUO3ut a1EZnaaEU! so 000 LJ t.: 0 s,lanoJ1og gltm so .IOM01Jog 3O uopoalip am le Stipp satl1lua so suosiad /Cure 10 IaMOIIOg `ssaooid uotleatidde ueo-1 0141 2U!lnp `3! 1lnujap ut aq hugs iaMOIJOg •UOtlEatgddV ueo-I s •g •asnea algeuos11ai Bans 2ut/C3toads uotload §ut Ioualut ue lions 0110!1d Io 3o OUI!10141 le aotlou aaMOIIog ants hugs Iapuo •/ivadoid 0141 uo sluatuanoidtu ag13o .101.talut 0141 ioadsut /igw iapua -1 `asnuo algeuoseai sus 1! 3I •Xuadold 0141 3o suotloadsut pug uodn saillua aiquuosea.0 a3letu Amu 1ua3E slt 10 Iapua1 •uopgloIsa1 Itedal gaps 3o uotlalduuoa 0141 Ioj uouatlgo s,lamollog jo panattai lou Si IaMOIIOg `/C11ad0Id 0141 0101s0I JO ltgdal o1 lua!o ins lot a.1g spaaoo.id uopeuuuapuoa 10 aougmsut ag13I •Palaiduuoo st voM alit SE s1110I1IXEd ssa12o.1d jo satlas gut so luatuAEd aj &uts 11 ut UOU11uolsai pug sliEdal 0141 .Io3 spaaooid asingstp ti11uu .uapua'-i •sasodind Bons .rot spaaooid pasealal s1114 Iapuo' 3t ,iluo Auadoid Ut102S01 JO uutudal Io3 atgtsuodsoi aq IIEgs Ianollog `&uadold 0141 `3o t'uplel alit so '01 aEtuep 1IIM uotlaauuoo u! peed are spaaaoid uoulgutuapuoo 10 aauemsut n •a11tu11p 10 uop111o11alap Iag11n3 ptonE 01 pa11tu11p 3t /C11adold 0141 ztgdaa /C1ldtuold IlE14s 10M011og `algtsEa3 AIl11attuouoo0 1ou st uot1111o1sa1 10 1111(101 111141 g uopoas o1 1u11nsind pautuualap s! 1! ssalufl •uolllpuoa slt 01 anp amen ut $uts1Oloap so &utleioualap tu013 /C210d01d 0141 luanaid of IOp10 ut Auadoid 0141 ut111ut11tu hogs IaMO110g `/C113dold 0111 uI 2 u!ptsal si .IOMOIIog 1011 JO 1a141a14M •/C110d01d alit uo a1s11M lju1tuoa 10 01E1011010p 01 /Cuadold alit molls `/Cuadold 0141 "Tau! Jo °get ugp `/iollsap 1ou gEgs J0M011og •suoilaadsu1 :,i2Iado.Id ag1 3o uo!laalo.id pue aaueualuteyAt 'uo!lsnaasa.1d •L •10111100 s,13n0I10H puo/Caq 0.1111 143!14M lsIxa saot11lstunoila 2utl11nualxa ssalun 10 `platTM1IM :1g11uosealun aq lot 1111gs mastic:* 14atgM &utlhlM 11! sa01& as1MIa1410 iapuarl ssalun `:au11dnaao 3o amp ag11013E I11a/C auo mat 1E 103 aouaptsal 111dtouud S 10M0110a SE AllOdold attl /dn000 01 anup1100 !legs pu11 luatun.11sul Allmon sup 3o uotlnoaxa 0141 101ue s/Cep 09 ut141IM aauaptsai ledtouud s,lanollog se Auadold 0141 asn put `gstlg11lsa `:dn000 I1Egs 10MO11og •,Cauednaa0 '9 •anp 110141 mu so 1a141a14M luatunulsul 1!1noas sun 10 010N alit Iapun p!gdun slu1OU111 /C11d 01 so :uadold am 0101s01 101111da1 01 Ia141ta spaaooid aauelnsut 0141 asn Amu Iapua' •/Cuadold 014130 aElanoo am 01 alggotlddE are s1g41 gaps SE IE3osut 'Ayala'," alit Sutianoo satoilod aat1Elnsui 1111 .tapun (Iamo11og /Cq p!Ed stuntuuaid patugaun 3O punJal /:1111 01 1142!1 0141 1111 101410) s1q 11 s,lanollog 3O 101410 /Cu11 (q) pug luaumtlsui /C1unaas s!141 Jo aloN 0141 Iapun ptedun sumo= 0141 11000x0 01 lot 1Unotue uu ut spaaooid aauulnsut /Cum 01 slq$11 S,IaMO11og (11) Iapuai 01 su$ISS11 /Cgalag 10M011og `as1Mlaglo 10 Z'Z UOI100s Iapun /Cuadold 0141 s0ltnbou Iapuari 3t so luana Ia141t0 III •uant2 s! 00110[1 0141 ua14M ut$aq IIIM pouad 0£ 0 14.E •m!E10 0141 aims pue alepo5au /!emu Iapua'l 110141 `UI!1110 11 0111as o1 pa1033o s1114 10!11R0 aaueinsut 0141 111141 Iapu0ri tu013 00[1011 11 01 s:Ep 0£ utquM puodsai 1011 saop IaMOIIOg 3I •s1a1111tu P0111101 puE tu!11la 0auE1nsut aig11lt11nu /itlu atlas pu11 al11tlo2au `0t11 /Cgtu Iapua- `Auodold 0141 suopuEqu I0MOIJog 3I •z uopaas ut Io3 paptnoid Iapmo 0141 ut patldd11 aq Hugs spaaooid aau11lnsu! gong •I0mo.uog 01 p111d `/iuE 3? `ssaoxa 0141 `2111p11alsttu `as[E3 /CIIetlal11tu anES luasuoa s0 ap0inou)l 08721.12 attorneys' fees to protect its interest in the Property and /or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exehange 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. Cli?®6(WY) 10005) Page 8 of 15 Initials 881 Form 3051 1/01 LO /L L90£ WJoj 'Z uopoas ui .zoj papinold Japio alp ui paildde aq pegs AUadold aqi jo iledar io uopuloisal o1 patldde lot alg 1eg1 spaaoold snoauellaostL11 HY •lapuaj o1 pied aq Hegs pug pau8issu ""gang ale 'Cuadoid agi ut Jsaralui s,lapuarl jo luauuieduzi ail of aiqumq!ine are lugl sauwep ioj ur!elo 10 plume Niue jo spaaoold atll, •luaurtulsul Aumoas sup lapun su a 10 Auadold atp u! isalalui s,.rapual jo luauuieduri leiraleur 101110 r0 ivado1d atp jo alnuajloj sapnloaid `luaw2pnr s,lapua1 u! Tell gutlru a tp!m passuusip aq o1 8utpaaoold 10 uoilou ail 5utsneo Aq `6I uopoas ui papinold se aleisuia.z `paun000 set! uouulalaooe J! `PU 1lneJap u Hans a.mo ueo 1amo11og •luawnllsul iClunoas sup .spun sig$u 10 iCuadO1d aqi ui 1sala111c s,lapua j jo Juauuigdwt 1ei1a1ew .silo JO Auadold ail jo alnuapoj ui ilnsaa moo luaw5pnf s,lapua7 ui 'my un2aq sr `leuituuo 10 limo aatpatM `2uipaaoo.rd 10 uoilou Atm 31 llnepap ui aq pugs 1aM0110g *spaaoold snoauellaosm 0l maw ui uopoe 30 1g2u a seq 1aMOi1og wogM lsuiae Sued alp 10 spaaoold snoauullaosm 1amolog samo Imp Sued pngl aqi stream „Aired 8uisoddp„ *anp uagl lot 10 1aglatIm luaurrulsul'ipclnoas sup Cq palnoas stuns agi 01 10 Auadold atp jo "cedar 10 uoilul0isal of lagua spaaoold snoatrgllaosm ag1 Alddu pte ioalloo of pazuotpne S! lapuarl `uant2 s! aaiiou agi amp agp 1aue skep p£ uitpIm Japual o1 puodsat 01 slce3 1aMO110g `sa utuep 103 urcelo a aplas of perm tre awn of sra33o (aoualuas "x011 ail ui paut ap se) 'uisoddp ail imp 1OMO110g of lapua- Act aOpou lame `j "o `1amolrog iCq pauopuequ si Suadold alp 3I *anp 11agi aiu stuns all 1011 10 latpa'iM ivaturulsul 'C1tlnoas sup Act palnoas sums alp o1 pagddu aq pegs spaaoold snoauellaosm agp ui aa18e as1Mlagio 10pua-1 pug 1amo11og ssalun `amen ui ssol 10 `uoppruisap Tuplel leiued ag1 alopaq Alaleipatuwi pa"nOas sums agi jo iunotue alp tell ssal si amen u! ss01 10 `uoilptuisap `ffuplei Fund aq1 alopaq Alaleipaunui Xuadold alp jo amen laveur 1tgJ agi goulm ut Xuado "d all Jo amen ut ssol 10 `uoponlisap `5uplu1 puled u 30 luana all ui •1aMOrrog 01 pied aq hugs mum iiud *amen uc sso! so `uopon"lsap `2uP1ui letued all alojaq Alaletpatuwi Auadoid aqi jo amen 10)ln:tu 1taj agi (q) Aq papinip amen u! ssol 10 `uoponnsap 'uplel !Ruled all arojaq Alaie!patunu! palnoas stuns agi jo punotuu !eloi aqi (e) :uoipouij 2 uimollo3 aq1 patldptnw spaaoold snoatr1Haosm ag1 Jo lunOwu aqi Sq paonpar aq imp luatutulsul 'ilunoas sup i(q palnoas sums all `8uil!M ui aai a asimla 'i10 "apuaj pug 1aMO1"og ssalun `amen ui SSOJ 10 `uoporuisap `Sui}lg1 lecued agi arojaq iCla1eipatuw! luatutulsul )Clpnoas sup Act palnoas sums ag1 Jo umoure ag1 uegl laieal8 10 01 lenba si amen u! ssol 10 `uoponusap `8uplui lecued aql arojaq iClaigipatuwi Auadold all jo amen 1a)lleur 1tRJ ag1 goigM ui Xuadold ag1 jo amen ui SSOI 10 `uopOnl1sap '2uplel l etued a JO Juana all 11I •1aMO11Og o1 pied `nitre j! `ssaoxa aqi 111M `anp tali 1011 10 1agla1M luatunusul iC1ufOas sup palnoas sums alp o1 pagdde aq imp spaaoold snoauellaos!J,4 agi `iCuadoid ail jo amen ui ssol 10 `uoporulsap 30 luana OIp ul •Z uopoas u! 10J papinold lap "o OW ui patldde aq imp spaaoold snoauellaosuAl lops •1amo11og 01 mud `nitre 3i `ssaoxa all g1IM `anp 110141 1011 "0 101110 'iM luatunllsul /tunas sup 'Cq palnoas stuns all 01 pailclde aq pegs spaaoold snoaUellaostJAJ alp `pauassal aq mom Xiunoas s,lapua -I 10 algtsgaj AIleoiwouooa 1ou st medal JO uopeloisal agi 3I *spaaoold snoatellaOSiJAI 'ions uo auntie° 10 lsaralui Cue 1aMO11og /Cud 01 par aq Jou hugs lapua'l `spaaoold snoauellaostJA ions uo pigd aq o1 lsaralu! sannbar MeZ algeOilddd 10 11iii1M ui apetu st luawaaae tut ssalun •palaldtuo) si 311oM all se swam/Cud ssal8ord Jo sauas a 111 10 luatuasingsip aiSucs n ui uotlu"oisa" pun si!edal 0111 "03 iced Sew .apuo •A11dwo1d ualeuapun aq Hugs uopoadsut'ions imp papinold `uopzejspes s,1opua' 01 paialdwoo uaaq set! )JIoM alp alnsua 01 1Cuadold Bons loadsui o1 iiuunuoddo ue pug set lapual !pun spaaoold snoauellaOS! JA tons PNON 0118211 at11 anal hugs "apua7 `pouad uoper01sa1 pue "cedar 'ions �uc1fQ •pauassal 1ou si iClunoas s,lapua'l pue algiseaj iIie0iuuouooa Si Medal 10 u0pg1o1Sa1 ag1 3i `Suadold 0111 jo pedal 10 uopelolsal 01 paildde aq Hugs spaaoold snoatrellaosm tons `pagetuep si iCuadold a111 3I •lapua-1 01 mud aq pugs put: 01 paugcsse ,igalag 0111 spaaoold snoangllaOStNI IIN •aanlcaJao3 '.spaaaord snoauellaasm 3O ;uatuu2lssd •1i •uopuunuaa; ao uopellaauga gaps Jo awn aq; 111 pauleaun aaaM ;gg1 stunnuaJd aaueansui a2efluoy\l Sue Jo puniaa g anlaaaa o; so /pug 'iflleai ;euuo ;ne paluuiuraa; aaugansui a8e81.uoykl 0143 0neq o; 'aaueinsui a8enaoytl aq; Jo uopgllaauea mum pug lsanbaa 01 'saansolasIp uie;aaa anlaaaa 01 Jggp 0111 apnpu! ,iglu s ;gSti asaq,L -renal as 130 ,fug a0 8661 Jo py uoipa ;old saaUMOanroii 0111 aapun aaueansui agg3 ;aoN ag1 0l laadsaa q ;pM Sue ji seq aaMoaaog s3'l t am pane lou IIIM s;uatuaaa u gaps ,fuy (q) 9l 10 6 abed (9000) (AM)9- zuzeso 08721. 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. IZZI -61WY) (00 Page 10 of 15 Initials 883 Form 3051 1 /01 MIN LO /L 190E WJOd f p.s- sieiliui 91. t t 9Bed 150001 (AM)9 VdSgll uotlguuoJui .taglo Aim pug anew aq pinogs sluatuiiud gangm o; ssaippu au; `iaopuas uuo-I mau am Jo ssaippu pug aureu ag1 aims !gm goigM auugo ag13o aOpou ua11jM uani2 aq il!M .1amo-uog `.1aopuas Uuo1 alp Jo aSuugo g st aiagi ji •atoN ag1 Jo ales a 01 palulaiun Jaopuas uuo-I am Jo sagtmgo atom zo auo aq 1t nu oslu ai uj *Awl aiquoiiddy pug luaumulsui Alunoas sup `aloN agl zapun suouu8ggo Supinlas uuol a Jaglo suuojiad pug luatUn.tlsul ICltmoas sup pue aloN ag1 .apun anp sluautiiud otp0t.iad sloaiio° lugl „Jaopuas uuo-I„ atp sg uMousi) Aulua agl Ut amp a ui linsaz map alas y •aamozzog 01 aopou .toad lnoglim saran azouu JO auo Nos aq uuo (luatznpsui Alimoas site tntM aagla5o1) atoN ag1 tit lsa'alui lutuEd u I0 al0N ate, uenai. 9JO aal ;ON :aaalnaaS ueo7 Jo a3uega :a ;oN Jo aIUS 0Z •8T uopoas Japun uoputaiaoou jo ono am ui ,iiddu lot dugs almsuia.i o1 1g81.1 sun `lanaMOH pa.un000 pug uoilu1alaoou ou di su 0n1131J31 Alin3 mutual HMIS Agaiaq pamoas suopu8iigo put luatun.zlsul Altmoas sup `zamonog Aq mauzalmsuta.t uod(i •iajsuuiy spund oiuo11oaig (p) Jo Aluua so Auleluatututsut `Aouau le.1apaj u Aq pa.msui are slisodap asogm uonnlilsui tre uodn uMUZp si patio gons Atm papinotd Vago s,.uaigsuo Jo 3130tp s,.tamsua.ul 'vow 31uuq 'pap patjitiao (o) tJapio Aauouz (q) :gsuo (u) :zapua' paloaias su 'Suu03 21imollo3 ag1 3o atom so auo ui sasuadxa put sums 1Uautalulstiat gons Aud 1 M01.zog mtp a.unbai /cum .iapua7 •pauugoun anupuoo hugs `luatunusui iilimoas sup iiq pamoas sums am /cud o1 uoilaiigo s,Jamou-tog pue luatunalsui 1ilunoas sup .iapun sttig!J put AUadoid ag1 ui ma'am! s,aapua' 1u T1 ainssu o1 annba1 Alquuosuai Amu iapua-I su uopou gons savl (p) pug :luatunalsui 1unoas sigl .iapun slg8ii pug A1ado.td agl u! ;salami manual 2upoaloid Jo asodind ag1 103 paunout saaJ .zatpo pug `sad uoputquA puu uopoadsui Suadoid `saaj ,sAauione aigeuosuai `01 palicuil lot 1nq Tuipnpui `1Uatun.ilsui ,ilunoas sup 5upiojua ui paunoui sasuadxa jIE shd (o) °sluatuaa.t2u Jo s1UUUanoo Jagl0 Sue 3o 1inujap SUR sa.tno (q) 'paim000 pug uopu.taiaoou ou ji sg a1oN ag1 put ltatutulsul Alimoas sign aapun anp aq mom ua p goigM stuns nu iapual sAud (u) :1amoa.zog turn atg suoiupuoo aS01 J •1uatUtulsul *moos sup 2utoiO3ua ltatu8pnf e Jo Aiwa (o) JO :a1Elstia1 o1 1tOp S,.zamo.uog 3o uoiluuituial atp .ioj A31oads 1131u1 mug alquoilddy su pouad .Jaglo gons (q) :ltatun.ulsul Aumoas sign ui pauimuoo aius Jo aamod ,Cut 01 umnsand Atiado.id ag13o ales aaojaq sAup ang (u) :Jo magma alp 01.ioi.td aunt Aug lE panupuoostp luauitulsui Alunoas sign Jo luatuaO.iO3ua aim! 01 1g2!1 ag1 aim! hugs .1aMOU.1og `suoilipuoo ttutiao maul laMO.uog 3i •uol ;eaalaaay as ;3y a ;e;suPM 0; 1g2ig s‘aaMoa.zog •61 •iamau0g uo puutuap i0 aopou Jagtinj lnoguM 1Uatutulsui iC1i.znoas sun Act paultumad satpatuai ICuu a)j0nut Amu .1apuari `pouad sup 3o uotluitdxa agl 01 .ro!Id stuns asagl 1Cgd 01 SItu3 .iamo.uog 3i 'luatutulsul iilunoas sign tCq pamoas stuns nu /iud mum lamolzog goigm uigITM Si uopoas ITUM aODUp1000u ui Uant2 St 03110u alp amp ag1 map s,Cup p£ uugl ssai mu 3o pouad u apinoid Hugs aOnOU aqi •uoilu1aiaoou JO aop0U .1amo.uog ani$ hugs iapual `uopdo sup sasiaiaxa .iapua-I 3I •MU1 aiquoilddy sq paligigoid si aspzaxa gons 3i I pual pasiotaxa aq 1ou hugs uoildo sign `1anamol-I •luautn.zlsui /Clunoas sign Aq pamoas sums HE Jo um ui luaui1iud aluipaunui aiinbat data iapua -1 luasuoo U 11UM .ioi.id manual 1nogljM (paliajsuuul .to Nos Si .1amo.uog ui 1sa1alut iuiogauaq a pug uosiad minim u IOU Si Jamo.uog 3i so) pa.uaJsuu.il i0 Nos si /C1ado1d aql tit 1sa1a1Ul SUE JO tiado.ud 31I1 Jo tied Aug s0 HE 3I •.1aSEgD1nd E 01 amp ammj u lg 1am0.uog app Jo lajsuEi1 ag1 st goulm Jo mall! ag1 luautaa1gu M01os0 .10 PEZluOO sales luauiijElsui 'pap .i0J 1OE11UOO 'Nap 10j puoq u ui patiaJsUEZ1 ma'am' iuiogauaq mom `01 paluuil lot mq `5uipniout `Iitiado1d aql ui ma'am! IEtotgauaq zo !Oa! Aum smut „Attado.td alp u! 1sa.ua1Ul„ '81 uopoas sign ui pasn sy •aamoaaog u► ;sa.1a ;ti Ie><agauag a a0 X ;aadoad alp Jo Jojsueay gi •luauuUlsui Iilunoas sign Jo puE a1oN am JO 1Cdoo auo uant2 aq hugs .iamoaiog •,fdoj maMOa log •Li •uoiloE situ a3ie1 of uoilR2ilgo ,iuE lnogl!M uotla1osip alos Sani8 „haul„ p10M aql (o) pug :us1an aoMA put remid am apnloui put maul Iiu 1Ein2uis ag1 ti sp.ioM (q) :.Iapua2 auiunua3 alp 3o sp1oM so Sp0M 1alnau Sutpuodsa-uoo apnput pue maul Hugs zapuag augnosuuu am 3o slalom (u) :luatun n sui ,Climoas sun ui pasn Sy •uotstno1d &upoiliuoo agl lnogl!M 1oa33a tanig aq uuo tp!IM a10N ag1 so luatunalsul iilimoas sign Jo suoisinoad 1ag10 maim mu hugs 1oi13uoo gons `MEg alquoilddy glint sloipuoo a10N am zo 1UaU.I1U1sui iClunoas sign 3o asnEio s0 uoisinoid CUE 1Eg1 1Uana ag1 uI •1oE.iluoo ,Cq luatuaa12u ISUIE8E uopigigoid E sE panpsuoo aq IOU dugs aouaiis gons lnq `luaus aq 145iuz 1! so louiluoo aatSu o1 saitiud ag1 Moult Ainoiiduti s0 Ipi3ildxa 1q$iuz Mu1 aiquoiiddy mu-I aiquagddy Jo suopEliuiii put sluauia.iinbai Aug o1 loafgns 0.1E 1Uautnalsul iiliunoas sup ui pauwiuoo Suoilagg0 Pug slVit Iiy 'Pa1EO0I si Auado1d ag1 gouim ui uoiloipsi.inf am 3o MEI ag1 puE Mui luiapaj sq noun/$.05 aq hugs luatunitlsul IClunoas sigZ •tot ;ana ;suoD 3o wing :,i;iltge.zanas :AUuI 2uivaanop •9T 17 0872112 S s)WY) )0005) requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. Page 12 of 15 Initials: 885 Form 3051 1/01 LO /L LSOE WJ04 9L Et o6ed (9000) (AM)9 10 •gulutoAm jo smel uouduiaxa pealsautoq aql jo anlzlA ,iq pue aapun slggu IIe saAtem pue sasealaa aamo.uog •saae!RM •1'Z •MW algeollddd zapun paunu.uad sl aa3 atp jo gulgaega aql pue paaapuai saoluas aoj died pulp a of plod sl aaj alp j! AR) lnq `;uatunilsul Xllznoos sup gulseala! aoj aaj a 1 MO1tog agaego Motu Jopual •slsoo uotleplooai Auo /ied Hugs .zamonog 'luatutulsul Allanoas sigl asealaa HMIs aapuarl `luatunalsul AllznoaS sup zq pamoas sums ire jo luauiAed uodn •asualag •£Z ;t o; pappua £llsgal suos.iad .io uosaad at; o; ssaaxa Aug (a) pus :;uaumi;sul Alinaas sign fq paanaas sums Hu o; (q) :saaj ,s.fauaoolo aigsuoseaa palputpl jou ;nq 'gutpnlaup 'ales at; jo sasuadxa llo o; (g) :aapao gupmolloj ato ui pallddo aq Ilegs ales at; jo spaaaoad aqs •algs Sue to ,f ;aadoad agl assgaand Amu aauglsap s ;l ao aapua7 •M01 algeailddd fq pagpaasaad aauusut ago ui Nos aq Hells £;aadoad at; pus 'ales jo aal;ou at; gsllgnd hags aapual •Sj uol ;a3s u1 papptoad aauusuz atl ul .iaMOaaog o; alss at; Jo aaplou aApg Hugs aapua' •MOZ alquallddy gpit aounpaoaan up ';uaaa33ip 3l 'X;aadoad aq; jo uotssassod ui uosaad ago o; pug aamoaaog o; asopaaoj 0; ;ua;ul 3o aop;ou aA!8 Timis aapua7 'alss jo aamod aqo sa)lonui aapua7 3I •aouappea aim ;o s;soa pus saaj ,sifauao; ;g algouosnaa 'ol pa ;pwq ;ou ;nq 'guppnput 'ZZ uoppas spgo up papleoad saipauzaa aq; gulns.md up paaanaup sasuadxa IIg papa o; paimua aq Hugs aapuai •Me7 alggallddy fq pap uuad satpauzaa aaglo fug pun ales 3o aamod aq; allonup Sum pun puemap aatoan3 ;noq ;ptt ;uauznaosul Stpinaas spit Aq paanaas stuns lln jo IInj up ;uatuSsd a1elpatuutp aambaa Soul uopodo s ;p ;e aapua-I 'aap;ou aq; up pa!jpads amp ago aaojaq 10 uo palm ;ou sp ;lnujap ago 31 *ales pus uopuJalaaos 0; aaMOaaog 3o asuapap aaq ;o Stun 10 olns;ap jo aaualsixa -uou aql laasss o; uop ;as ;anon g guuq 01;ggla aq; pus uopisaalaaan as ;3e a;slsupaa o; ;gap aq; Jo aamoaaog utaoJui aaq;anj legs aapou aqs •S;aadoad 9111 3o alss pus ;uaumalsul ,f ;panaaS spq; £q paanaas stuns ago jo uoisaalaaau up ;lnsaa Sem aapou aqj up papppads amp ago aaojaq a0 uo linopap at1 aina o; aanitgm jug; (p) pun :palm aq ;gnu ;lnopap ago gapgM fq 'aamoaaog o1 uaAlg sl aal ;ou aq; aosp aq; tuoJj s,fsp 0£ unto ssal ;ou 'amp 0 (a) :llnepap ago arm o1 paainbaa uoppu ago (q) :lln0Jap at; (o) :,flpads Hugs aapou aq •(aspMaaq ;o sappAoad met aiquaplddv ssalun gT uo aapun uop ;gaapaan o; aopad ;ou ;nq) ouatunaosul ,f ;panaas spy up luatuaaa n ao ;unuanoa ,fun 3o gasaaq mamoaaog gupmolloj uop ;saalaaas o; aopad aamoaaog of aapou aAlg hugs aapua-I •salpautag :uopsaalaaav •ZZ :sMOIIO3 se aazge pu0 111e113A03 Jaques aapuarl pue zamo.tzog 'S,LNIVNIgAOJ IAI2IO1INf1 9B 0372112 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: (Seal) Borrower 6(WY) (0005) Page 14 of 15 0 0 HAROLD A MCFARLAND Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3051 1 /01 L0 /L LS0£ WJOI :S)egN1 0 11gnd )1EiON 9l 4 9 L a6ed 88.3 :ss ,faunoa r �•�:._c t�eJ�: 7 .^c'*t3^a:?•.?r'wPa�i�r1 "4 OAd# UAltllwwo3 bW 9NI4 "a' AO 3!.'11;; �^a G' du1JlflO3 (9000) (AM)D9 0118f1d AMON NVIAIM3N 'N VQNVM 2wr /9 0 W(/ :sandx uotssiuzluoj SIN zaZ uzaiNMar arm aMYT hY3WW Y arioa vH iq t 0 0 Z Zt HOMO.' aW aiojaq papaimouxav svm luawculsui 2uto z a i{j, JNI}%JOAM 10 a.IVIS 8538937 PUDR- 3150 -1 0872112 8 8 9:: PLANNED UNIT DEVELOPMENT RIDER THIS PLANNED UNIT DEVELOPMENT RIDER is made this 12TH day of MARCH, 2001 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument of the same date, given by the undersigned (the "Borrower to secure Borrower's Note to WELLS FARGO HOME MORTGAGE, INC. (the "Lender of the same date and covering the Property described in the Security Instrument and located at: 225 SCRUB OAK DRIVE, THAYNE, WY 83127 [Property Address] The Property includes, but is not Limited to, a parcel of land improved with a dwelling, together with other such parcels and certain common areas and facilities, as described in COVENANTS, CONDITIONS AND RESTRICTIONS (the "Declaration The Property is a part of a planned unit development known as [Name of Planned Unit Development] (the "PUD The Property also includes Borrower's interest in the homeowners association or equivalent entity owning or managing the common areas and facilities of the PUD (the "Owners Association and the uses, benefits and proceeds of Borrower's interest. PUD COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. PUD Obligations. Borrower shall perform all of Borrower's obligations under the PUD's Constituent Documents. The "Constituent Documents" are the (i) Declaration; (ii) articles of incorporation, trust instrument or any equivalent document which creates the Owners Association; and (iii) any by -laws or other rules or regulations of the Owners Association. Borrower shall promptly pay, when due, all dues and assessments imposed pursuant to the Constituent Documents. MULTISTATE PUD RIDER Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Page 1 of 3 Initials: 7R (0008) VMP MORTGAGE FORMS (800)521 -7291 11 i 1 Form 3150 1/01 1 1 1 I 1 I A L0/1 09L£ twoJ a�eiliu� Z afied Moo) HL •luatu/cud Supsanbaz zamozzog of zapua luau aotlou uodn 'ma'am! gum `aiggAed aq !lugs pue alez aloN ag1 1g luautaszngsip jo amp aqi iuoz3 maim! zeaq !pegs slunoute asap 'maul/cud jo suual zaglo of aai zapua7 pug zamozzog ssaiun •luauinzlsui 'ilunoas aiil Sq paznoas zamozzog jo lgap iEuopippe atuooag !pugs d gdgiSgzmd st p zapun zapuai Act pasmgstp slunoui Aud •uiagl �tEd Aeui zapua'i uagl `anp uagm sluamssassu pug sanp and fed 1ou saop zamozzog j •satpauiag •3 •zapual of aigEldaooeun uotlEtoossd szaumo am (q pauiElutEtw aSEZanoo aougznsui Alum!! atignd aql Suuapuat jo loam aqi anug mom gn!gm uopou Sur (nt) JO `.uoijElooSSd szaumo aqi jo luatuaSEUEtu Sias jo uouduinssE pue luatuaSEugut ieuoissajozd 3o uopeutuual (itt) :zapua7 3o igauaq ssaidxa agl z01 si uoistnozd ag13t „sivatunooa luanipsuoo„ ag13o uoistnozd Aim 01 luauipuauiE Sur (it) °utgtuop luautuia zo uopeuuiapuoo Suplei a 3o asgo aqi ui .10 Xlienseo zaglo zo azg Aq uopoiulsap iepumsgns Jo asEO agl ut mgt al paztnbaz uotlguittuai zo luatuuopuegE zoj ldaoxa `and aqi 3o uotleutuual .10 ivauiuopuEgE aql (t) :ol luasuoo _to icuadozd aql aptntpgns JO uoptuEd zatpia `luasuoo uafum loud s,zapuaJ gum pug zapua-1 01 aopou zagg ldaoxa `lou prgs zamozzog •luasuoo .iotid s •a I T uopoas ut papinozd sE luatun Aiunaas ag1 Aq pins sums ag1 01 zapual middy aq iiggs spaaoozd lions zapual o1 ptEd ag !pugs pue pauStssE Agazaq azE `uoprntuapuoo Jo nail ui aouEAanuoo Aug zOj JO `and aqi 3o satuitogj puE SE= uouiiuoo am zo Auadozd am Jo ugd ,tug .10 iig Jo Suniel zagio .10 uopguuiapuoo ,lug tptm uotioauuoo ut zamozzog o1 aigiAed `jEpuanbasuoo z0 panp `saSEtugp zo3 tuiEp z0 MANE SUE 3o spaaoozd ag,i, •uotleumapuoo •a •zapua7 01 aSEZanoo JO lualxa puE 'mom `uuo3 ut aiquidaooe 1iojod aougznsui AititgEti otignd g suteluieui uotlEtoossd szaumo am legs aznsut o1 aigeuoseaz aq Amu se suopoe lions 33p3 TIEgs zamozzog •aoueansui Cltltget'I otignd •o •zamozzog of piEd ji `ssaoxa alp gum `anp um 1ou z0 zaglagm luatunzlsui'Clunoas alp pamoas stuns agi o1 spaaoozd alp Aiddg ins zapua7 •zapua-j 0l pied aq pugs pug pauSissR iCgazag ale zamozzog o1 aiggAgd spaaoozd Aug `and aql jo sapipouj pug sum uotuuioo 01 JO `Slzadozd am 01 ssoi SUTMOioJ nedaz JO uopEZOlsaz Jo nail ut spaaoozd aotreznsui Auadozd 3o uotinqulstp g 3o lima agi u1 •Aotiod 1aNugiq JO zalsgtu agi Jig papinozd a2EZ0n03 aoueznsui Aizadozd pazmbaz Ut asdgi AStm Jo aotlou lduiozd zapuaJ an!S pugs zamo.uog Imo! agi Jo uual agi 5uunp aSUEgo UEo zantgm sup. Jo Uotlipuoo E sr sazmbaz zapua-i IEuM •Xotiod uopgpossy mum() agl ,iq papinozd si aSgzanoo pazmbaz agi IEti; manta aqi 01 pagsjlgs patuaap st Aizadozd aqi uo a rianoo aotreznsut Auadozd utE1utgui of S uotioas zapun uopeStigo S,z3mozz0g (n) pure tXuadozd agi uo aougznsut Suadozd zoj sluatuijElsut utntuiazd SpEOS agi JO zapua1 o1 luauiiiEd atpouad agi z03 U0i103s ut UOiSIAOld agi s3n1EM zapua' (t) :uagl `aoueznsut sazinbaz zapual goigm z03 `spoon pue samunbguga '03 palttuii lou inq `Sutpnput 'swum zagio Attu pue „`aSEZanoo papualxa„ tuzal aql utglim papnioui spJEZEq ssoi 1suIESE pug `spotzad agl zoj `(sianai aigtionpap SUipniout) siunouiE agl ut aSezanoo aotreznsut saptnozd gotgm pug zapuaq of bolorjstigs Si pit Suadozd a p Suunsui iiotiod „laaiugiq„ z0 „zalsrtu„ g `zatzzeo aoU 1USUt paldaooe ApezauaS g glim `surelutetu uotlEtoossd szaumo agi se Suoi os •aaueznsui £lzadozd •g 068 7:VIZ/AO BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this PUD Rider. HAROLD A MCFARLAND 7R (0008) (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower Page 3 of 3 Form 3150 1/01 (Seal) Borrower (Seal) Borrower (Seal) Borrower 891