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HomeMy WebLinkAbout87209311 stM ut pautlap 1 L8 L W79t71799 NVO1 I)NIV40-,M 103.111/01 1 :1 >1 I N N \13 r' Q :6 HV C 1 6 v iei 10 }1U110 AiN11OO N100N11 II is LO /L I.SOE uuod 1N3W(1H1SNI WHOdINf1 OVW 310a38d /3VW 31NNVd AI!wed ei6u!S DNIWOAM O 12I3V V dO S31VIS 0811 NIl 9H1 Jo sMEI 01-11 sapun Supstxa pus paztuE8so NO I IV 1 OOSS`d ON I NNV9 1VNO 11YN Est sapuaI SNINIVM ,L2I00 Sir 3d I M ONV ONV8Sf1H SN I N ±VM N VSS 113W ON' SN I N1VM O S2WVf s „samosso (ti) luautnoop ssaptg Hy sama8ol. L O0Z 60 HOUVW po Rp St 1-1ot4M `watunoop stm sueaut „luaurnslsul Alisnoas„ (y) '9I uotras ut paptAwd osle asE 1uatunoop pasn spsoM Jo a8Esn 8utpse8as salns uIm..tao •IZ puE OZ `8I `£L `II 'E suogoas ut 0SE spsoM sagio puE Mojaq pautlap ase 2uaurnoop stgl jo suogoas ajdmnur ut pasn spsoyik HOB JZ?IOF\I [slVQ 8urpsooag sod au!-I silts anogv aasdg) —_V 0 3 IDdd 21c1 )100u C603L8 C 90-0 )7 10 %1 Jg I0013 33S s IqJ ti tips L8lbb9bbS9 WH 07:01 10 /60 /EO AMAX 16ZL-LE SWtIOd 3DVDIHOW dWA uI 9l to t eBed MOO) (AM)9 d N `V3 12j3Wd dO NNVB st „sapua-I„ (3) luatun4suj dlunoas stm sapun so8E8lsotu st .lamoaaog SNOLLINIdEQ OL996 t/O VA00803 OHONd81 8001d 0NZ 08 )1302] 311 HM 0g801. V N VO 1 891A1V dO NNV8 O1VMSO VNNVO(' :41 paiEdasd 99ZZE 1d 311 I ANOS)IObf 1d80 ld130321 311d 'OOL 9018 OA18 30 I SHll0S 0006 vO183Wv dO )INVB ON I SOHO 1S0d 311 I ANOSXIOVf 1.0-1.0-00L-61A L81. t t9t717g9 NVO1 :o! usn1a11 SZ£f7T0E0 Lender's address is 10850 WHITE ROCK RD 2ND FLOOR RANCHO CORDOVA CA 95670 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated MARCH 09, 2001 The Note states that Borrower owes Lender ONE HUNDRED FORTY ONE THOUSAND F I VE HUNDRED FIFTY AND 00/100 Dollars (U.S. 141, 550.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than APR IL 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]: 0872093 Adjustable Rate Rider Balloon Rider VA Rider -6(WY) (0005) CVWY 03/09/01 10:44 AM 6544644187 Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Page 2 of 15 805 Second Home Rider 1 4 Family Rider Other(s) [specify] (H) "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 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. (d) "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 transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. Form 3051 1/01 60 /6 690E wJOj 5L to g e6ed LBlbb96759 WV 1717:0l 10 /60 /E0 AMAX (soon) (AM)9 -112p Aed osle liens samossog •aloN aul sapun anp sasego alel pug saSsego luatuAedasd Aug pug aloN Qty. Aq paouapina 1Qap atl1 'uo lsasalul pug '10 Igdloulsd ail anp uagM Aed Hugs saMOSSOg •saSsetJO ale�i pue `sa2segj IuatuAedasd 'sum' mososg `Isasalui `Iedtoutsd ;o luatuSed •I :sMolloj se Oas8e pug lueuanoo sapul pug samossog 'S1NVN[AOO V IOdINfl •Alsadosd leas 2uisanoo luatunslsul Alunoas uuo31un R alnlilsuOO 01 uoilorpsunf Act SuOT1RTdeA paliturl tj2IM slueuanoo tusollun_uou pug am Ieu0Tleu soJ slueuanoo tusoJTun sau1gw0o LNgJAIf12ILSNI AIIwI110HS SIH.L psooas jo saouesqurnoua Aug of loafgns `spuetuap pug stuTgio lie 1.sure2g Alsadosd aril of app. am Aiiesaua2 puaJap IIIM pug sluRJJRM JO/410330H •psooas jo saouesgtunoua soJ 1daoxa `pasagtunouaun sr Alsadosd aril legl pug Alsadosd aril AOAU00 pug `02e23.s01u of ItMTS aril seta pug paAanuoo AgaJag alelsa alp jo pasTas AllnJMel st JOMOSSOH letjl SINYNIAOO 2IHMO21 Og „•Alsadosd„ aril se luotunslsui Alp Srtil ui 01 passaJas si 2utogasoJ at(1 jo IIIluatunslsul Al !Snoos sm. Aq pasanoo act osle Iletls Suoplppe pug sluatuaoejdas •Alsadosd aql jo lsed e salleasatq .10 mou sasnlxtl pus `saoueualsndde `sluatuasea Ile pue `Alsado aril uo paloasa salJgasaq .10 MOU sluatuanosdtur aril pima dh.Z] 8Z L £8 2uituoAm [AID] [walls] jo ssasppe aril sett Ajluassno goitJM Ile H.LIAI 2IIH.LgDO,L „ssasppy Alsadosd„ 9N I d1V 68 AVMH9 I H Hil0S 99L£ L L 00E9100001619E :saquznN QI hosed d02i:I9H 12IVd V 3OVW (NV 01982H 08HOV11V NOI1dIHOSBO 1V091. "H1LION 9£ dIHSNM01 O L NO I ±O3S N 19 10 AO ii2NUO0 iS8MH1l0S dHl 1V ON I ON3WWO0 L 19OUVd [uoRotpsisnr 2urpsooag Jo GW 4] [uoiloipslsnf 2ulpsooag 3o adku N100N I 1 Jo A1Nf10O aul ui paleooj Alsadosd paquosap guJMollo3 aql `ales Jo saMOd twm `su2tssg pug ssossaoons s,sapua-I pus sapuaJ of Aanuoo pug lues2 `a2e51.sotu Agasaq saop samossog 'asodsnd sm. sod al°N atll pug luatunslsul AlunoaS sigl sapun sluatuaaJ2g pug slueuanoo S,saMOSSOa JO aoueuuolsad aql (n) pug !OWN 0141 JO suolleoTjipoui pug SU01SUalxa `S RMOUas IIE pue `ueorl aql jo luatuAedas aril (1) :sapua-I of sasnoas luatunslsui AltsnoaS spa •luatunslsui AlunoaS sTtll 30/pue aloN aql sapun suotlaTlgo S patunsse Seri Alsed yell you so satllatgM `Alsadosd au1 01 allpl ua)lel seta letll A1sed Aug sueaur „samossog Jo lsasalul ut sossaoons„ (d) X L2IgdOddd MIL NI S.I.HORI JO 2IgdSNV2I.L U8 '72093 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 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 4 6(WY) (0005) CVWY 03/09/01 10:44 AM 6544644187 Page 4 of 15 initi 807 Form 3051 1/01 5L to g eBed LBl07914 WV bb OL 1.0 /60 /EO AMAX (5000) (AM-VP ut uatj 041 iiq pasnoas uotle2ilgo alp jo luatuiied 041 02 ui saasge (e) :JamoJJog ssajun luatunslsuj AlunoaS si41 JOAO jlisoud seq goigm uatj Aug asug0sip AjldwoJd jjsgs JOMOJJOg •E uoi2OOS U! paranoid JauuuUw 01.11. u I tuail Aud Hulls JOMOJJOg `SLLt91j AOJOSH OJE swalt aSaijl. lap lualxa 041 O1 •Iiuu jt `sluatussassy pug `sand `sang uotlut0ossy Aliuntutuop pus `Sus j! `AlJadoJd ail uo sluos punos2 Jo sluatuAed plogasgaT `lUatunJlsuj iilunOaS s141 JOAO iiliJOTJd urrllE uuO 4oigm Alsado1d 941 03. ajgElnqullg suotlisodtui pug `sauij `saJSgo `sluatussassu 'saxel Tie /cud jje JOMOJJOa •suatg :sa$sug7 y sapua j iiq pjaq spund Aue sannossog of punjaJ djldtuoJd Hulls sapuarj `luatun.lsuj Alunoas sigl Aq pasnoas stuns jje jo Tlnj ui luatuled uodn •s1u9tuAud ri1g1uotu z j uegl asotu ou ui lnq 'VdSd2I 41tm aouepa000u ut Aouatoljap aql dn a3Tutu of L ESS000u lunotue 041 sapua j 02 Aud Hugs JOMOJJOg pug `ydSd2I pasinb9J se J9m0JJ0g iijp.OU Hags JapuaZ `VdSd2I sapun pautjap ss 'm0JOS0 ut pla4 spund jo Aouaiotjap s si asagl jj •sluatuAud A141uotu z j uegl aaotu ou UT lnq `ydSd2I q1TM aousps000s ut ael.togs 041 dn alutu 01 Asessaoau lunotug 041 .tapua' of And Hells JOMOJJog pus `yjsmi Aq pasinbai su JOMOJJOH iiji1ou jjegs Japuarj `vdsau Japun pautjap se `M0JOSa Ut plat! spund jo aelJo4s 5 Si asagl jI •VdSd2I 4lim aOUepJo00e Ui spunj ssaoxa ay. Joj J9moJsog of luno0O5 !lulls Japua'j `VdSd2I aapun pauijap SE `MOJOSO ut pla4 spund jo snjdsns e st asagl jj •VdSd2I paJinbaJ 55 spund 041 jo 2uilunoOOe junuug ue 'Amp lflOqlTM 'JamoJJog 01 an12 !jugs sapua-j 'spund ail uo pied aq Timis 1saJalu! 1541 `Janamoq luilum ut a0JS5 two Japual pus J0MOJJOg 'spund 041 uo autusee Jo lsaJalut Aug JamoJJOa fed of pascnbas aq lou Hugs Japua-j 'spund aql uo pted aq of lsoJalut sastnbas me-j ajgeOijddV Jo 2utlum ut apeut si lu0tua0Jg5 u5 ssalun •AJe 5 lions al5tu of sapual slttusad merj ajgeotjddy pus spund aql uo 1saJalu! JOMOJJOH sited Japuai ssajun `stualj MOJOSg 041 2u!AjTJan JO `luno0O5710JOS9 041 2UIZSTEUe AllsnUU5 `spund 941 5utAjdde pus 2utploq Joj JOMOJJOH a2s54o lou !jugs Japua -I •VdSa21 Japan paijioads atutl 041 u541 Ja2E! ou stualj mos0sg 041 Aud 03 spund alp Ajdde !lugs Japue'j lugg ueo'j atuoH TEJapad Au5 u! Jo (pasnsut os 9.35 slisodep aso4m uoilnitlsut 115 Si .Opua-j ji `Japuai 2uipnjOUi) Iiltlua Jo `Ii1!T51uatunJlsut `Aoua5 TeJepaj 5 Sq paJnsut gig slisodep aSO4m uotlnlilsut ue ut pma4 eq Hulls spund aq ms j ajgeoijddy 41jm aOUepJ00o5 u! astmaa4lo Jo etualj mama aJnlnj jo saJnl!puadxa jo S9lSUitlsa ajgsuoseas pus elep luaJJnO jo siseq 043 uo anp spund jo lunotuu 041 alutuilsa !legs Japua7 •VdSd2I Japan eJinbeJ u50 Japuaj 5 lunotus tuntutxstu 941 paaoxa of lou (q) pus `ydsg21 Japun pajjioads atutl 041 35 spund a4l ATdd5 01 Japuag lituJad of lua!Oijjns (e) lunotue ue ut spund pjoq pug 10alloo 'atuil ,iue le `Auto sapu9'j •E uop2oo 5T43 Japun paJinbaJ ua41 OJg 2541 `slunotue 40ns ui pus `spund IIe Japua' of ,i5d Timis JOMOJJOH 'uoil5OOnaJ ions uodn `pus g uoiloag 41TM aoUSpJoOOE ut uantg a0tlou atutl Aug 15 stualj moJOSg lie Jo i UB of SE JOATRM 041 9)jOAOJ AEU/ JapuaZ •lunotue Bons Aue Japua-j of Aedai 02 6 uopoaS Japan pale2tjgo aq uagl Nap JOMOJJOH pus lunotue lions /cud pue 6 uopoas Japan 511121.1 sit OSIOJSXO Ji5tu Japuag 'Utauj moJOSg U5 Joj anp lunotuS 041 fed 03 sjiej J9m0JJOg pus `JanTSm 5 of luenssnd `AlloaJtp swan moJOSg fed 03 palugijgo Si JOMOJJOH jj •6 uoiloaS ut pasn s! „luatuaaJ2e pue 3UEUano0„ asBJ4d 041 se `luatunslsuj Al!inOaS s!41 ut pauyeluo0 luatuaaJ55 pus lueuanoo u eq 01 patuaap aq sasodsnd jje soj lisps sldia0aJ apinoJd of pus sluatuAed lions al5tu 01 uotle2tjgo s,JamoJJOg •astnbai Aetu sapua'j se pouad atop lions u141jm luatu/cud lions 2uiouapin9 sldia0aJ Japua-j 03 4siuJnj Hugs `sajinbaj Japuarj ji `pug Japua-j Aq panism uaaq 554 spund jo luatuded 4O14m Joj Stualj moJOSg iiue Joj anp slunotuU 041 `ajquded aJa4m pus ua4m 'AT1OaJtp 1fed !l5 JOMOJJOH `Jan!Sm lions jo Juana 041 uj •�uiliJm ut aq iiTuo iistu Janjgm lions ifuy •atutl ifue 15 stualj moJOSg TTe Jo iiue Joj spund Japua' 01 1 ed 01 808 E GOZe,S0 08720 a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the 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 ""at9 -6(WY) (0005) CVWY 03/09/01 10:44 AM 6544644187 Fagg B of 15 809 Form 3051 1/01 60/6 690E WJOJ 0 '0 5l yo L e6ed L816179151759 NM V17:01 1.0 /60 /E0 AMAX cs000) (AM)9 -111D JO .10&0.1 .1Og jo uoj oanp 041 111 &11ou san111u0 .10 SuOS.10d SUE .1O SPM010a `SS000.1d uogP,nijddE uuo'j a41 2uunp `j1 ljn11jap Ui aq jjugs saMossog '11011e311ddy uuoi s,samossog •g 'asnuo ajgeuoseas lions 2ui,ijioads uoiloadsui sotsalui ue 4ons of solid .10 jo Owil ag1 lu aotlou saMossog an Hells sapua-j •ai1.1adosd 041 uo sluawanosdwt ay. jo soualut att1 loadsut SEW sapuarj `asneo ajgruosuas s114 11 jj •&lsadosd a41 jo suoiloodsut pu11 uodn saulua ajquuos110.1 a)j11w k11w luau sli so sapual •uoi1e .1Ols0.1 so .1iEdas tons jo uotlajdwoo oq soj uotle2ltgo s,saMOSSOH jo panaijas 1ou si saMossog `Alsadosd 041 a .1olsas so studas of luoioijjns loll a.E spaaoosd uotleuwapuoo so aouesnsut 041 jj •palajdwoo si )jsoM 0 41 se sluawAhd ssa .1So .1d jo sus e ut so luawAed 012111s 11 ui uoil11 .1ols0s puE s.1teda.1 0141 soj spaaoosd assngsT• view sapua'j •sasod.1nd gons soj spaaoosd paseajas sag sapua7 31 AijmO Alsadosd 0140. 2uuolsas so 5uui11da.1 soj ajgtsuods0.1 aq Bats saMossog `dlsadosd 041 `jo 2uDj111 ay so `ol a2Rwup glint uotloauuoo ui pied WE spaaoosd Uoileuwapuoo .10 aou11snsui jj •0211wup so uojl11sotsalop sagl.1nj ptone Ol pa11wup ji ifa.sadosd 041 .n das Aildwosd jjEgs saMossog `ajglseaj Ajjeoiwouooa 1ou si uoiles01s0.1 so nud0.1 11141 g uoiloas of luuns .1nd paulwsalop st 11 ssajun •uotlipuoo S11 01 anp anjun lit 21.1isRasoap .10 5up.viopolop wosj ,ilsadosd 041 1110n0.1d of sap.10 ut dlsadosd 0111 1.111111.1111W jjegS saMossog `1ilsadosd 041 U1 2utplsas sl saMossog lOU .10 10142011M •Slsadosd 0141 1.10 01.sem 2111111100 .10 ale .1oisalap of Al .1adosd ay moue `Alsadosd ag1 snEdwt .10 02ewep `Soslsap loll Hugs saMossog •suo!loadsuj :A1sadosd aql jo uoipalosd pue aoueualulejN `uoTlensasasd 'L 10.111100 s,saMOSSOa puoiiaq 0.111 4014M lslxa saouuTswno .1to 2Utl11nualxa ssajun .10 `pjag411M Iijg11uoseasun act loU Hells luasuoo 4oitjM Tu11i.1M 111 .100.12E aSJM .1a410 .1opun ssajun qouudn000 jo alep 042 s01je J11aA OLIO ls11aj le soj OOuOPlsas jed1011ud s, .1oMOSSOg SE dlsadosd 041 Sdn000 of anutluoo jjegs puE luawns1suj iiliUno0s 5141 jo uollnoaxa ay salju sAuto 09 Ui41TM aouapisas j11dtouud S,J0MOSSOH s11 .ilsado .1d agl asn puE `4sgg11lsa `ddn000 Hugs .1aMo.1sog •Souednoo0 '9 •anp 11041 loU s0 .104204M `1110wnslsuj S1jsnoas S!41 JO 01.0N 041 sapun pludun slunowe /Cud o1 so Aa.Jodosd ag1 0.101S01 .10 .1111d0.1 01 .104110 spaaoosd aouesnsut 041 asn [Cew sapua-j 'Alsado .1d ay JO 022.10A00 042 02 ajgeotjdd11 0.111 s244u gons SE s11josut `Al.J0dosd 0141 2uu0AO0 saioijod aou11 .1nsut jje sapun (saMossog Act pied swnlwasd pOuseaun jo punjoi ,Cue 01 1421.1 ay UE41 sa41o) s1.42i.1 S,JOMOSSOq JO sattlo ifu11 (g) puE `luawnslsuj iilisnoas sly JO 0101 a141 sapun piRdun slunowu 041 paaoxa o1 lou lunow11 uE ui spaaoosd aouesnsut Niue 01 .11421.1 S,saMOSSO[ (e) sapuarj 01 su2!ssu Agasag saMossog `as1M .1a410 JO ZZ 1.101100s sapun dlsadosd 041 saslnbo11 .1apua-j j1 so `luana .104110 ui •110n12 st aoilou 041 11014M ui2aq jjum pojad ,iep_p£ aq.L •1..11111j0 0111 ajllas puE alujlog0U ARIL' sapual U0141 `w111jo 11 ajllas 01 piano sett .1011.1110 aouOSnsui 041 11141 sapua'J wosj 00il0u 11 Ol Sii1p p£ u1411M puodsas loU soup saMossog jj •5101.1.11W pa3Ejas pue wt11jo aou11snsui ajqujiunu ,fue ajllas pug 01eil02au 'am few sapua-I `iClsadosd 041 suopuuqu .1amo.1sog •Z uoiloas ut soj papinosd .1apso a41 ui paijdde aq Hugs spaaoosd aouESnsui Ions •saMossog of mud 'Awe ji `ssaoxa aql 41iM `anp U041 1ou .10 s04104M `luawnslsuj Allsnoas sly Act pasnoas scans 041 of paijdd11 act Hulls spaaoosd aou11snsui 041 `pauassaj act pjnoM Alisnoas s, .1apua' so ajgis11aj Ajjgotwouooa 1ou s1 .1tudas s0 uotlesolsas 0141 jj •saMossog jo uotlaijgo Ojos a41 act Hugs pu11 spaaoosd a0u11snsut a141 jo lno pied act loll Hugs saMossog dq paul111.0.1 `s0i2s11d p.1!41 .10410 so `s.1alsnfpu oijgnd soj saad 'spaaoosd 4ons uo S Utu .1110 .10 1Sas01ut Iiue saMossog dud 01 poJinbas act loll Hugs sapual `spaaoosd aouesnsut gons uo mud act of lsasalui sastnbas Me-j ajquoijddy so 2utliJM ui ap11w s1 luawaas2u u11 ssajun •palajdwoo si )jsom 041 111 slu0w,(11d ssas2osd jo sai .1OS 11 lit .10 lu0w1i11d aj2uis 11 ui uoil11 .1ols0.1 pu11 s.TEda.1 041 soj spaaoosd assngslp view sapua-j •Ajldwosd u0IElsapun act Hugs uo►loadsui gons 11141 pOpinosd `u0t1o11jsil11s s,sapua-j 03. paloidwoo uaaq 5114 3jsoM 041 asnsua 01 iilsadosd gong 10adsui 01 1iltunlsoddo 1111 pug 5114 .1Opua-j !pun spaaoosd OOu11snsul 4ons pjo4 01 1421.1 ag1 anal Hugs .1apua'j `poisad uotlSSOlsas tsozion 0872093 811 with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and /or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and /or assessing the value of the Property, and securing and /or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable 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 044-6M11(0005) CVWY 03/09/01 10:44 AM 6544644187 Page 8 of 15 Initials: 7) Form 3051 1/01 ZTR 9L to 6 .Bed LBlbb9bb59 Wd tt :014 10/60/E0 AMMO (9000) (AM)9 -trZ JQMOSSOg 01 mud aq Hugs aousjsq Auy anjen ut ssoj so `uoponspsap `SupJEl !spied alp asolaq Ajalstpauut Alsadosd agp to anjen lo)lasu stgl alp (q) Aq paptntp anjen ut ssoj so `uotlOnslsap `SUt)jsl jetlsad 0141 asolaq Ajalatpawwt pasnoas stuns 041 jo lunows js1o1 041 (s) :uotlosaj $utn&ojjol otp Aq pagdtpjnw spaaoosd snoauslloosm all to lunose 0141 Aq pampa 0q jjegs luawnslsuj Altsn° S stgl Aq pasnoas suns alp `Sut1JM ut aasSe asTMS0g10 sapuo'J pue saMOSSOa ssajun `anjen ut ssoj so `uotlanslsap `SuDjel jstlssd all asolaq Ajalstpawut luawnspsui Altsnoos sty. Aq pasnoas suns aql jo lunowE aql usgl salaasS so of janba Si anjen ut ssoj so `uotlonslsap `Sut s1 !spied alp asolaq Ajaletpawwt Apsadosd of p to anjen 1a)jssw Biel agp got4M ut Apsadosd agp to anjen ut ssoj .10 `U0J Onspsap `SUDyel JE a to 1u0na 0111 u i •saMOSSOg 01 pied `Sus It `ssaoxa otp tplM `anp uagl lou so saglagM `luaunslsui Alunoas stgp Aq pasnoas scans 0141 of patjd& aq jjegs spaaoosd snoauejjaosHAT alp `Alsadosd app jo anjen ut ssoj so `uotlonslsap `Sut)JEl jelol E to loan all u i •Z uotloas ut soli paptnosd sap.to alp ut p0tjdds aq NETTS spaaoosd snoousjjaosIN pons samossog of ptsd `Aug It `ssaoxa alp gptm `anp uagp 1ou so saglagm `1u0wnslsuj Apunoas stgl Aq pasnoas suns all o1 patjdde oq Hugs spaaoosd snoauajjaosm alp `pauassaj oq pylon& AlunOas s,sapu0'i so ajgtsegj AjjeOtwouoOO 10U st sredas JO uotl5solsas O4l lI •spaaoosd snoousiposm Lions uo sSutussa s0 lsasalut SUE JOMOSSOg Asd o1 pastnbas oq lou Hugs sapua'i `spaaoosd snoausjjaOSTJAj gong uo psd oq of lsoaolut sastnbas ME' ajgsotjddy so SutltJM u! apsu st luawaaJ25 us ssajun •palaydwoO ST ?jsoM all Ss swuawAsd ssoaSoad jo sapas s ut so luawassngstp 5JSuts 5 ut uotl5SOlsas pus sstudas alp soli A5d Amu sapu0l •Sjpdwosd ua;lulsapun oq !jugs uotloadsut gons Ism paptnosd `uotloulstlss s,sapual o1 palajdwoo uooq sal lsom alp asnsug op Alsadosd lions loadsut op Aptunlsoddo us pug 5514 sapua'i !pun spaaoosd snoausjjaOSm lions pjol of lgSu all ans11 jjat;s sapua' `pound uotlssolsas pus sredos Lions Suuna •pauassaj 1ou st AltsnOOS s,sapue'i pus ajgtssal SllsOtuou000 St Judas so uotpasolsas of p It `Alsedosd alp to stsdas JO uotlssolsas o1 patjdde oq !jugs spaaoosd snoau5jjaosrypj pons `po2swsp st Alsadosd of p II •sapuaq o1 mud aq hops pus o1 pauStsss Agasag ass spaaoosd snoauglloosTN jjy •asnitalsod `.spaaoosd snoauejjaosm jo luaWUStss' •jj •uogeutwsal JO uotlejjoaueO lions jo awtl alp pe pauseaun asam legl scunttuasd aOUesnsui aSe$psojAj Aug to punlas a anta1as of JO/pue `Ajjeotlswolne paleutuisal aoussnsui aSsSlsoJAJ aql aneq o1 `aouesnsui aSeSpsow aql jo uotlejjaouez uie1go pue lsanbas of `sasnsojostp utelsa° antaoas of Tipp 0111 apnjout Sulu s1g3u 05011,1, *mej saglo AUR so 8661 JO lOy U0 0010sd SJSUAOawOH app sapun aOUesnsuj aSeSlsoy%j aql of psdsas lltm Sue 31 set samossog spgSts aql loans 1ou jjtm sluatuaasss gons Suy (q) •pun }as Sue 01 samossog ajltlua l0U jjtm Sagl pue `aouesnsui 5 5 TJoj^j soli onto jjtm samossog lunowe agl aseaJOU! lou Ijtm sluawaaiSe 'ions •ueori alp jo swsal saglo Sue so `aouesnsui aSe2lsow soj iced of paaJSe sun samossog legl slunows aql pane lou jjtm sluawaaJSe irons Suy (e) :saglsnd „•SOUSSnsutas 5ntpdRO„ pausal ualjo s! 1uawa2ussss app 'sasnsut app o1 mud suntwasd all jo assts 5 soli ausgoxa ut )ysts s,s0snsut alp to asst4s a sa)ys1 aopua -i to a15tjtll5 us 1541 saptnosd luoulooaS tJOns li •sassoj Su!OnpSS so '1sta S,JOSnsut &Saalsow alp SuTAltpow .10 Suu54s .10J aSus4Oxa ut `aoussnsui aSSSlsoy\j soli sluswAed s,JOMOSaog JO uotlsod e (se pazualOSSSIO oq 1gStw so) wosl anuap 11141 SpunowS (Ajloastput so AjpOastp) SATSOas SEU 2UT020s0l 04p to AUa JO Ol5tj!JJE Aus so `A1t2ua satjlo Aug `sasnsutaa Atm `sasnsut s54101I5 `510N at to sasegasnd Sus `sapuol `sluasaoa2s asagl to ijnsas e sy •(swntwasd OOUSSnsui aSBSlsow soil pautslgo spunj apnjout Asw 4Ot4M) ajgsjtsns ansg Asw sasnsut a8s lsow alp ;sip spunj to 00snos Sus Sutsn s1uawAsd alexia 02 aoansut aS522sou 0111 astnboa Sew sluowaaa2e agog' •sluawaOJSE 050111 o1 (sopssd so) A1sed satpo 0112 pus sasnsut o2s2laOw alp of Aso2O5JSTIES 055 25142 suotltpuoa pus swsal uo ass sluawaa.25 05011, •sassoj aonpoa JO `)jsu .115141 Altpotu JO asegs 1541 satlssd sa410 4p1M swoulooJSs olut salua Ssu pus '5wtl 02 awtp soil OOSOI ut OOUSSnsut laps jjs uo )jsts jslol stall alsnjsna ssasnsui 02582JOJAj •aaussnsuj 02s2lsoN alp 02 /Claud 5 10U s! .QMOSSOg •pooa2s 85 u5O'i all Aadas lou Stop J0MOSSOJ It snout Asu It sassoj U!ElJO0 soli (oloN all sossgOSnd l5lp Alpo Atm so) Jopuo'j sassngwtas OOUSSnsuj 0252lsoTA! •aloN atjl ut paptnosd a2ES atjl is lsasalut Awl o1 uot2SStjgo S sloalls 01 uotlaas sail ut SutlloN MS'i ajgsotjddy Aq pastnbas st uotlsutwsal !thin so uotlsutwsal pans soli Sutptnosd sapua'i pus aomoaaOg uaaMlaq luas00J25 uon!aM Aug 4pJM aousps000u ut spun ooussnsui 52E21.sow soli luawasmbas s,s5pua'1 !thin `ansasas ssoj oigspunlas_uou 5 aptnosd 02 so `la0ll0 ut SOUSSnsui sSu2psoJAJ utslutsw of pastnbas swntuasd all Asd jja's aomoaaOg `o uusnsui oSuSlsoj j o87 2093 In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 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 this Security Instrument but does not execute the Note (a "co si &ner" (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 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. 6(WY) (0005) CVWY 03/09/01 10:44 AM 6544644187 Page 10 of 15 initi 813 Form 3051 1/01 St /o It eBed L91bb901799 WV bb :01 10 /60 /E0 AMU cs000n (AM)9 -122:0 •samoslog uo puatuap so aOt3ou Jallsnj 3nolltM luatun.1suj Slunoas stg3 Sq palljutsad satpatuaa Aug a3jonui SULU .rapua -j 'pouad srgp jo uotpusjdxa 0111 op soud sums asagp dgd of spuj .I MOSSOg jj °3u0tunulsuj Sltun °as sttp. 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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: 4 6(WY) (0005) CVWY 03/09/01 10:44 AM 6544644187 (Seal) Borrower (Seal) (Seal) Borrower (Seal) Borrower Peso 14 of 15 7— 9-0/ (Seal) AMES C. WATKINS aka James Cort Borrower Watkins (Seal) Borrower Borrower (Seal) Borrower Form 3051 1/01 :ss Alunoj 818 51, J. 51, L8lb7901759 Wd t :OM 10 /60 /£0 AMAX (5000) (AM)9— VIf/► :saatdxg uoIsstu woD /4\I suppum •N esszjaN pine suT)IJ 1 laop saner exe suppeM •D sauler sq sttp aui aaojaq papaImou )Jau sum 2uauinalsut 2uto2aaoJ au, `9NIBIOAAti 3O aIVIS F007 SO 087209:3 819 Commencing at the Southwest Corner of Lot 6 in Section 10, Township 36 North, Range 119 West of the 6th P.M., Wyoming, and running thence North 30 West, 70.8 feet, the point of beginning; thence North 0 0' West, 304 feet, thence North 66 02' East, 164 feet; thence South 31 33' East, 224 feet; thence South 2 55' East, 172 feet; thence South 88 5' West, 276 feet to the point of beginning. Together with a right -of -way over the existing roadway of approximately 30 feet in width from U.S. Highway 89 to the said described premises.