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Home My WebLink About8720440 r� �c Q :sletuul 10/1 ISO£ uuoa 'jsataiu! snjd `juaumtisui Alunoas snp tapun anp sums jig pug 'atom ail Japun anp sa ngo alit pug sa8aggo ivamArdazd Aug `Isaacjup snjd `aloN ail '(q paouappna Nap atj; stream „ugo7„ (3) „•4ItadoJd agi up sig2rg jo Ja ;sugtl,,, 8utpgaq agt tapun mojaq paquosap sr Imp Xpadotd am sugatu BlaadoJd„ (a) I£0Z `1 Ludy uutp Jatgj tou jjn3 up ;gap ail Ant of pug stuaurXgd otpouad Jgjn8az u! 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The following Riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider Condominium Rider Second Home Rider Balloon Rider Planned Unit Development Rider 1 -4 Family Rider VA Rider Biweekly Payment 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 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. (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. F or this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the Page 2 of 16 Initials: Form 3051 1/01 -1i,FA :sie1uuJ IO /I LSO£ zo zoo 913 a8ed uot;n3t;sui an uodn umuzp s1 loago eons Aue pap /told `ppoago matgsuo 10 patio s,zaznsnazl `)Ioago pug `xoago pagllzao (o) `zapzo Aauout (q) 'gsuo (u) :zapua7 Aq paloaias se `suuo3 8uImopo3 agl jo azout zo auo u1 amt.' aq luautnzlsul 3unoag sup pug aloN agl zapun anp sluautAgd luanbasgns IIg JO Aug mil azlnbaz Amu zapua-j `predun zapua' of patunlaz st ;uatunzlsui Xunoas sup _to Nom agl zapun luauzAud sg zapua7 Aq panlaoaz ;uaurtu3sut zaglo zo xoago ,iuu 3t `zanamoH •Xouauno S n u1 aputu aq limp Iuatunzlsui ,illznoag sup pug aloN agJ zapun anp sluatuArd uoiJoag of lugnsznd swan mama zoo spun] Cud oste jjgs zamozzog •aloN alp zapun anp sa2zugo alnj pug sa8zggo luatu1igdazd Aug pug atom agl Aq paouapina Igap atp `uo lsazalul pug `o [udiouud agJ anp uagm Ard jjggs zamouog sa8.uegD awl pue 'saBae ;uaut,fedaad `small mozasd ';saialul `Iedlaulzd 3o luatuSud •i :mono sg aaz8u pug luguanoo zapua' pun zamozzog 'SINVNdAOD IARIOdINfl 'Alzadozd rear 8uuanoo Juauznzlsut *moos tuzoJiun u alnlllsuoo of uotlotpsunf Aq Suouglzun palltuli grim sluguanoo tuzojiun -uou pug asn Inuollgu zo3 sluguanoo uuoJtun saulqutoo I NIaI'\IrnLLSNI A1Nf1DgS SIHI *moat Jo saougzgtunoua Aug of loafgns `spugutap pug Sm1Jo Hu lsutg8u Xlzadozd agJ of aptl agJ Aptiatta8 puajap jitm puu slugzzgm zamozzog •pzooaz Jo saouuzgtunoua zoj ldaoxa `pazagtunouaun s1 dilzadozd agJ Imp pug 4todoad agl Xanuoo pug luc.I `a8g8;zout o; I4Btz 043 sng pun pa,Canuoo Agazaq alnlsa a Jo pasias Allnjmgl si zamortog Ingl S1NVNdAOD IIdMO211IOg „'Alzadozd„ agl su luauuulsui ,ilunoaS sup u1 of pazzajaz st 8uio$azoj ag3 Jo IId 'luamtulsul XltznoaS sup Aq pazanoo aq osjg hugs suolllppu pug sluatuaorjdaz IId llzadozd atll Jo lzud g zaljgazag zo mou swum pug `saougualznddg 'mamma IIg pug uadozd agl uo pap= zaggazag .to mou sluatuanozduu 043 Iiu H,LIM IlaHJ2DO.I. „ssazppy ail adozd [apoD dLZj ij 8ututoAm [MD] Nungnd [taaztsj QV02I NOANYD S,IAIO! 16 Jo ssazppg agl sng iilluazzno golgm 00 SE :zagtunN QI Iaozgd ONINNI9M1 dO ,LNI0• d}LL OZ .Lddd 1L•80Z `aNII HIUION QIVS ONO'IW `a 18S sa ni as 68 S 3DNd1.L /iaNIIIMS QINS IO gNI'I HDION LILL 01 !Hal TL•80Z `aNI'I ISdd QIVS 1S2IM HIIA1 IT1V2IVd `M ,,St ,SO Sdd2IOaa 0 N aDNaH.L IL•80Z `dNI'I HL?ION QIVS LS' II3 HUM TITIVUUV■ `M ,85 Sdd2IOaa 68 N d3NHILL t,Ladd TL•80Z `b /IHNb /IMS QIVS d0 aNPI 1SVd dH.L HIIM garriv IVd `d „Sb so Sdd2IOau 0 S ONINNIIII dDNaILL !b /iaNb /IMS QIYS d0 2IaN2IOD LSVHILL1ION dliL 11IO2Id M 18S Sdd2IOau 68 N .Ladd ZVLIb ONIdg LNIOd QIVS `b /i3Nb /IMS QIVS dO dNI'I H,L2ION MU NI INIOd V IV ONINNIOdg :SMO'I'IOd Sd QdfDIDSaa A'I2Id7nDIL2Idd DIOb1I DNIdg (INV ONILIIOAM `AINf103 N'IODNPI "IAI•d 1119 dH.L d0 M6TT2I N££.L `S£ NOI.LDdS d0 b /IHNb /IMS aH.L 30 .Ladd IL•80Z HL2ION dHL d0 .Ladd ZI' LT ISVa BILL ONLLdaDXL 17817£8 1SV aHL d0 ,Ladd IL•80Z ,LSdd 1H,L :[uoito►psunf 8uipzooaw jo atusN] N [uoitatpsun f 8ucploaau jo odic!] XlunoD aql u1 palgooj 4iodozd paquosap 8ulmolto3 0872044 695 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 Page 4 of 16 Form 3051 1 /01 Initials: V V :sregtui 10 /I ISO£ wlog uot;oaS ut paptnold zauuzuz a4; ut 1.110111 iced Hugs zamortog 'swan mozosa a1m stun ;t amp ;114; ;ua;xa am oZ Aug 3t `s;uatussassy puu 'ma `sang uot;gtoossy ,t;numutuo3 pug `,Cug 3t 'Amdahl a4; uo swat punoz5 10 s;ua11nad pIo4asuat `;uatutuisuj ,i;unaas s14; nano A;uotzd urune ugo gongm filmdozd a4; o; ajgg ;nqu suot;tsodtut pug `saug tamp `s;uatussassu tam tin ,Cnd Hugs zamozzog •sua!Z :sangto •zapual ,Cq plat spun] Aug 1amofog o; pup/ pdtuozd Hugs zapual `;uatunz;suj ,C;unoag stg; ,Cq patinas sums tin jo Ij113 ut ;uawt,Cud uodn •s;uatu,Cmd I(iq;uouz Zj unq; a1o11t ou ut ;nq Vaal! 4 ;tm aougpz000g ut ,Couanogap a4; dn a/guz o; ,Clussaoau ;unotun a4; zapual o; ,Cud hags zamonog pug `ddsaw i paztnbaz sr zamo.uog ,C3t;ou hugs zapual `ydSgfl zapun paugap su 'mama ut Rag spund jo ,CouatoIjap g Si gimp 3I •s;uatu,imd,C14 ;uoui Zj ue4; 0.10111 011 ut ;nq VdSa2I 4;tm aougpz000g ut ag;iogs a4; dn oval o; ,izgssaoau ;unotuu ag; zapual o; ,Cad tugs 10m0110g pug ydS IU ,(q paztnbaz su zamouog ,C3t;ou ins zapual `ydgaa zapun paugap su `mozosa ut pjaq spund 3o aim ;logs g st 01011; 3j ydSg2I tj;tm aougpz000g ut spunj ssaoxa a4 ;103 1amo.u0g 01 ;uno0og Hugs zapual Vaal' zapun paugap su `mozosa ut Rag spund Jo snjd ns u st anti; 3j VdSa2I Xq paztnbaz se spund a4 ;jo 5ut ;unoo0g !mum ug `ag1ggo ;nog3tm `1amo.uog o; ant$ imp zapual spund alp uo ptud aq jags ;sala;u1 1114; `Janamo4 `Sut;tlm ut 0012m tiro zapual pug 1amo11og spund a4; uo SSUULIua 10 1S010111i Aug lamolog ,Cud o; poimbai aq ;ou Hags zapual `spun] a4; uo ptud aq o;;sala;ut sannbaz mgl atgmotjddy 10 Bultpm tit apmut st Iuatuaaau !Jr ssajun •011140 m guns amIgut o ;1apual s;ntuad mgl ajggotiddy pug spun] am uo ;salalui lamoz10El sAud zapual ssajun 'small mama, a4; 2ULjizan JO `;un000g mozosa 04; 2utzAtrum Aijgnttue `spun] a4; 2ut,Cjddu pug 5utpjoq 10j 1OAO110g amp toe jjggs zapual •ddSfl1 zapun pagtoads ante; ag; uga; za ;gt ou scum mozosa 04; ,cud o; spund am ,Cjddu imp zapual Tog ugo-j atuog juzapad Aug tit 10 (palnsut os azn s;nsodap asogm not ;n;t ;sut ug st zapual 3t `zapual 2utpntout) Alpo JO `XOUO2E Iglapa3 m ,Cq painsut azn s;tsodap asogm uot;n;t ;sun ug tit Rag aq hugs spund 041, •mmi ajquotiddy g;im aougpz000g tit asimla4 ;o 10 SLUM mama 011;113 3o saln;tpuadxa jo sa;gtut;sa ojquuosgat pug um! ;uanno 3o stsrq am uo anp spund 3o ;unoure a4; a;utut;sa Hugs zapua -j ddSgaj zapun autnbaz 11110 zapual 1 mot= umtunxgut 0111 paaoxa o; ;011 (q) puu `ydsdu zapun pagtoads amt; a4; ;g spund a4; Alddu o; zapual ;ttulad o; ;uatogjns (n) ;unotun 1111 ui spend Not! puu ;001100 `atut; ,Cum ;g 'Attu zapual u0t;00 stq; zapun paztnbaz 1104; a1g ;114; `s;unotuu Bons ut pug `spend 1111 zapual 0; ,tad Hg4s 1amo11og `uot;g0ona1 uodn `pun S j uopoaS g;1M aougpz000g tit 110A15 00 m ,Cq amp ,CUR ;u 5tua ;j mama Hg 10 X1111 0; sg zantnm a4; a)l0naz AMU zapual •;unouzg Ram ,Cum zapual 0; ,iudai o; 6 uo1;OaS zapun pa;m24go aq 1104; urge 1amo.uog pun ;unotug guns Xgd pug 6 not ;0as zapun s;441 s ;t asto1axa Amur zapua? `tua ;j mama tin 103 anp miming a4; Xgd o; sitm3 zamoIog puu `zantnm u o; ;ugnslnd `,Cj;oaztp SUINI mozosa ,imd o; pa ;1Sggo st 1amo.uog 3I •6 uo1 ;oaS tit pasn Si „;uatuaalS1 pug 1UUU0A00 amid am se `;uatmu;suj 13tlnoaS 543 111 pautu;uo0 ;uatuaalam puu ;uguanoo g aq o; patuaap aq sasodlnd Ijg zo3 guts s;d10001 aptnozd 0; puu s;uatuXgd Bons alntu 0; not ;atjgo s,lamo1log •aimbaz ,Cmut zapual sr pouad aunt; !Ions uttt ;tm ;uatu,11d guns 2utouaptna s;dta0az zapual 0; Istuln3 jjm4s `saztnbaz zapua? 3! 'pup zapual ,Cq pantgm uaaq sg4 spund 3o ;uatu,Cud 40i4m zo3 stua ;j mama ,fug 103 anp s;unouzn am `ajgn,igd a1a4m pug ua4m `,C1;0altp ,Cmd Ijugs zamo.uog `1anl1M Ions 3o ;uana am !II •Rut;tlm tit aq ,ijuo Amu zantnm Bons Any •atu13 ,Cum ;u stua ;j mama !Tr 10 ,Cum 1o; spend zapual o; ,Cud o; uot;aggo s,lamo1.10 antem Attu zapual •stuauj mozosa IIg 10 ,Cue 103 spend 043 ,imd o; uot;aHgo s,lamouog santgm zapual ssatun smog mama 103 spund 969 9 I 3o S abed 0872044 Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in 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. W hat 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 Page 6 of 16 Initials: 69 `I Form 3051 1 /01 �IY L slgiuul V' U 91 Jo Laud TOR TSO£ ward u ut uotpuzoisaz pus szigdaz agp zoj spaaoozd aszngstp Amu zapua -I •sasodznd gons ioj spaaoozd pasgajaz sug zapua- jt ,tjuo Xzadozd atp 2uuopsaz zo Sutztgdaz zoj ajgtsuodsaz aq jjugs zamonog `npzadozd am `Jo Suppi am zo `o3 mini gptm uopoauuoo ut prud azu spaaoozd uoiuuuzapuoo zo aougznsur 3I °aSeuzup zo uor3uzoua;ap zagpznl pions op pauutgp 3i Apzadozd am zrgdaz Apdtuozd pugs zamonog `ajgissa3 iijlpottuouooa you sr uoiszo3saz zo ztudaz 3sgp s uotpoas o; ;uunsznd pauttuzalap si 3i ssalufl °uoiprpuoo spr op anp anjgn ut Suisgaxoap JO Suipgzouapap mop Apzadozd agp 1uanazd 01 zapzo ut Auadozd agp urspuigtu pugs zamonog `X.pzadozd alp ut &itpiso/ sr zamonog you JO zagpagM •,Cpzadozd agp uo alsum prtutuoo zo a3uzoua3ap op &pzadozd am mop `A.3zadozd agp zrudun io aging!) `Xozlsap Sou Ijugs zamonog suoj ;oadsuj ajiadoad aq; ;0 uoc ;oa;oad pug aaueua ;uiejgj 'uoc ;enaasaad 'L •lozpuoo s,zamouog puoiiaq azu IOpgm 3sixa saouu3stunOZio 2uipunuapxa ssajun zo `pjatjgptm Ajgguosgazun aq you pugs luasuoo 4Otgm Tuutzm ut saaz& astAuot po zapua-j ssajun `Aougdn000 jo amp am zo33s zuaiC auo ism! ;g zoj aauaprsaz p dtouud s,zamonog sg Apzadozd agp ,idn000 op anupuoO pugs pug;uatutujsul Aprznoas sttjp jo uotpnOaxa agp Jape sAsp 09 ulgptm aouaprsaz judrOUpd s,zamo.uog sg i(jradoxd agp asn pug `gsijqulsa `Adn000 pugs zamouog •,fougdnaa0 '9 °anp 110111 1011 z0 zag3agm 'puatunz3sul Xpunoas sup zo a3om agp zapun prgdun spunoutu Xud op JO iipzadozd agp 0103501 .10 ztudaz 03 zag;la spaaoozd aougznsur am asn .Cgut zapua-] °Alzadozd am jo o gzanoo am op ajquorjddu ate s3g41 gons ss zgjosur ',ipzadozd agp Surzanoo satogod aougznsur Ijs zapun (zamonog Act mud sun patuuaun jo punjai Aug op 148u ag3 mil zagpo) s 1112u s,zamonog jo zagpo Aug (q) pug `3uatunz3sul iiirznoas sup _to a30N agp zapun prgdun s;unotug am paaoxa 03 you punotuu ug ut spaaoozd aouuznsut Aug op spggrz s,zamonog (E) zapua- op suatssu Agazag zamouog 'astmzatpo zo ZZ uopoas zapun Apadozd agp salmi= zapua -j z0 'Juana zagp1a 111 •uanr2 sr aoiou agp uagm ui2aq jjim porzad'Cup -0£ ag1, .upgjo am alms pug apgr3o5au Attu zapua uagp `turujo u aj3 ;as op paza3jo sus za1nuO aouuznsut am psgp zapua•I m013 0013011 u op &Cup 0£ urgprm puodsaz you saop zamonog 31 •sza33utu pomp/ pug turuja aouuznsut ajqupeng Aug ajppas pug a3upogau 'am ism zapua-I `Apzadozd agp suopuugg zamonog 3I Z 110930s ui 10J paprnozd zapzo am ur paijddu aq pegs spaaoozd aouuznsut wits °zamonog op ptsd 'Aug 3i 'ssaoxa am tprnn 'anp tram 1011 10 zag2agm `3uat11nzpsul ,(Jiznoas srgp 1 q paznoas sums am 0; patjddg aq purls spaaoozd aaugznsut agp `pauassaj aq pjnom iC3unoas s,zapuarl 10 ajgissa3 XITuorumOUOO 3011 st ztudaz 10 uO13gzo3saz am 31 °zamonog 3o uops2ijgo ajos aqJ aq Ilsgs pug spaaoozd aouuznsut agp jo 3110 prud aq 3011 pugs zamonog Xq pauts3az 'sawed pztgp zatj30 JO `sza;snfpu oijgnd zoj saad •spaaoozd gons 110 s8uttuga 10 35aza311 Aug zamonog Agd 03 pilaw aq 3ou !jugs zapua -j `spaaoozd aougznsur gang uo pigd aq o3 ;saza3ur saztnbaz mu ajggorjddy JO 2ui3um 111 opal sr 3uatuaaag ug ssajufl •pa2aldtuoa Si )Izom ag3 SE s3uam/iud ssaz2ozd JO sauas g ut J0 3uatuAud apuns g 111 uot;gzo3saz pug sztgdaz agp 103 spaaoozd aszngsip Amu zapua -j •Xpdtuozd ualg3zapun aq pugs uopoadsur gons 3ggp paprnozd `uopOUJsr3gs s,zapua-j 03 papajdtuoo uaaq sgg )jzom agp aznsua o3 ICJzadozd gang 3oadsur o3 uunpzoddo ug pug sgg zapua-1 !pun spaaoozd aougznsur gons pj0g 0; 14i1 am anus purls zapua-j 'porzad uopgzo3saz pug ugdaz gons SuunQ •pauassaj Sou sr A11znoas s,zapua -j pug ajgisua; Ajjt'opuouooa st zrgdaz JO u0tpuzo3saz amp qpzadozd atp JO zrgdaz zo uot2szo3saz o; porjdds aq pugs `zapua -j nq paztnbaz suns aougmsur 2uiXjzapun am 3011 10 zagpagm 'spaaoozd aouuznsut Aug Tut3rzm 111 a0ISE astmzagpo zamonog pug zapua? ssajufl •zamonog ,Cq iCj3dtu0zd aputu Sou 3t ssoT jo Joozd amjuut Attu zapua-1 •zapua-] pug zauUEO OOUgznsut am 02 a313ou 3dtuozd ani2 HMIs zamonog `ssoT JO 31.10n0 043 uj •aaAsd ssoT juuopippu ug sr zo/pug aa2ES3zotu sr zapua- MUM putts pug asngjo aEE3zour prupug1s u apnjOUi Vt'OZF.i €O 0 877044 single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or 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 Eosition 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 Page 8 of 16 Initials: 699 Form 3051 1/01 10/1 ISO£ W.O3 :S10911.11 913060 gd •uo;;t1U!Wia; .[o not ;epa3uva yaps ;o awn ay; 10 pau.teaun aaant ;vcl; stunguold aaueansui 0203;aoyt! Awe ;o pun;aa a aA ;a3aa o; ao /pue `Bp0agutuo ;ne pa;eu ;Waa; aaue1nsui 402;1oyt! ay; anvil o; `aaueansui a3031aoy%i aq; ;o uo;;vllaauoa u;u;go pue ;sanbaa o; `saansops ;p u;o;aaa an ;aaaa 0; ;qS ;a aq; apnlau; ,fow s;g21a magi •Ate! aacl ;O 'Wu .to 8661 Jo ;3d uOl ;Oa;oad saauntoaWO}i ay; aapun aaueansui a3e3 ;aow ay; o; podsaa wpm. 'fug seq aa.Aoaaog s ;qSu ay; ;aa ;e ;ou mitt matuaaJ20 vans Bud (q) •pun;aa Bue o; aantoaaog ammo ;ou pant Bay; pug `aauuansui 0203 ;aoy%i ao; anto !ltm .OMoaaog ;unoW1 ay; maim! ;ou mAi s;uawaaage yaps •ueo'i ay; ;o sWaa; .1014 ;o Aug ao `aauvansui 0302 ;aoy%! ao; Bed o; paa.Se sgy aantoaaog;0y; slunmW= aq; paw ;ou Him s;uawaaa30 clans Buy (g) :Iatpind „•aouuinsutai antldo3„ patuta; ua ;3o st ;uawaSuono am `Jainsut atp 03 peed swniwaid alp 3o o1ot;s 0 lo3 auot;oxa ut Asp mainsu! at;; 3o wogs 0 50340; 1apua'j 3o ammo no 1043 saptnoid ;u0waa12g lions 31 •sassol 21.11311pol 10 `xsu monist!! 0202UOw ag; 5utA3ipotu 10 Suuogs 103 aSuot xa ut `aouoinsuj a2o21oj io; s3uawBgd s,1amollog 3o uotuod o (so pazua ;ogigg3 aq nig u so) wog antiap Imp s ;unout0 (Xpoanput to Bpoa np) ant0301 Bgw `SU1O 0103 ag; 3o Aug 3o ammo Bug 10 `B ;tmua 10430 Bug `lalnsut0i Bug `iainsut latpou0 `0 3oN alp 3o iasggoind Aug `iapua'j `suawaa120 asag; 3o ;insai o sy •(swniwaid aouoinsuj aS- 21101AI wo13 pautg ;qo spunj apnlout Amu gotgm) aiqupono 0ngg Amu ialnsui o oSuow alp ;ut; spun3 3o aainos Aug Sutsn s ;uam /od 0340111 o; Iainsut osoSiow 04; alinbai Bow s;uawaaiSo asayZ •s ;uawaa1So asag; 0; (satuod Jo) Sued lag ;o alp pug Ialnsut a202Uotu alp 03 BIO ;00Js9gs 010 Imp suot ;ipuoo puo suua; uo 010 s ;uawaa120 asag" 'lasso! a0npa1 10 `34511 I1ag; B3ipow 10 0104s 304; sound l0430 g ;Im s ;u0Waa120 ow! 10 1u0 Amu puo `amt; 03 amt; map 00103 ut aOUglnsut gins lig u0 3191i 10 303 Itagt a;gnigna =Just!! 0202uow •a3uOInsuj 02o2uo A alp 03 Buod 0 ;ou st Iamoilog •paaiSe so uoo•j 0g; Xgdai ;ou saop Iamollog 3i Inout Amu ;I sassoi u103130 ioj (a ;oN alit sasggaind Imp B ;t;ua Bug 1o) Iapua-j sasingwtai aOuglnsui ageSuo i •aloN alp ut papInoid am alp ;0 Isamu! Bod o; uouoSt;go s,1am0110H s 100330 0l not ;3as stti; ut Suig;oN mg'j aigooilddy Bq paitnbal st not ;uuttula; !pun 10 uoputunuaa Bons 103 211 ptnold Iapua'j pug Iamolog uaam ;aq ;uawaa1So ua3tlm Aug qum 03004310330 ut spua aOuOInsuj a202uoj,4 io3 ;uawa1inba1 s,lapua -j itlun `anlasal ssoi algopunjal -uou u apinoid 03 10 30330 ut aOuulnsuj 0202Uow utg ;utgtu o; paitnbai swntwaid ag; 'cod hugs Iamouog `aouolnsuj a2o5uo j I03 sun tuald alp piumo; s;uattaud palou2!sap ,CJ03010das alum o; paItnbai sum iamortog pug uuo'i 04; 8utl0W 3o not;1puo3 0 so 0311EMSUj aS0SuoiA! paitnbai lapua'j 31 •a0uvinsui aS0SUow 103 swntuzaid alp pl0mo; swam/cud pa ;guSisap Bla ;gi0das saltnbai Iapua'j puo `pauio qo st `algojio o satuooaq utaSo lapua'i Bq pa ;3a;as Jams!!! uo Bq papinold (salinbai iapua1 ;gg; pouad 0g; 10j puo ;unotuo 04 ut) 0S010A00 031101115111 aS0Suow31 S;uawiud anlasai sso; altnba11aSuoi Ou 1103 lapua'j •aniasai sso; gins u0 sSutuiva I0 ;sala ;w Aug IamoIog ,cod o; paitnbai aq ;ou pugs Iapua1 pug `pn3 ut p!od Bja ;gwt ;jn st uoo-j alp 304; 4303 alp Sutpuolsglim;ou `aigopunjai -uou aq pugs aniasa/ sso! gins •03uginsui aS0SUopA! 3o no!! ui OAJOSOI S504 alqupunjai -uou 0 so s ;uaWA0d magi ui0 301 pug asn ;da330 !pm Iapua1 33033a u; aq o; pasua3 02010A03 aOuoInsut alp uagm anp 013M ;gyp s ;uatuBud pa;guSisap Bla;giodas ag; 3o ;unowg alp Iapua'i 03 Bod o; anut;uo3 !lugs IamoIlog `algopono ;0u st 020101100 optimizing a202ioj,4 ;ualgninba Bpg1 ;tre ;sgns 31 •lapua'j Bq pa ;3alas 101115111 a202uotu mummy ug tuo13 ;30330 ut iclsno!naid 03uoinsuj 0208 310w ag; 3o 1am011og 0; 3603 an 0; ;ualgninba Bpgt ;ug ;sgns 3S03 0 30 `3303 ;0 002, tiv07e.0 0872044 01.. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds 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 Miscellaneous 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 pay for the repairs and restoration in a single disbursement 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 Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. 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 equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. 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 Page 10 of 16 Initials: Form 3051 1/01 i0 150£ Wa /'��V' aIet3iul 9I J 11 aged Aug ;not( ;iM ;uatuAedazd pond a se pa ;ra'i aq llyik not ;onpaz ag; `irdiouud saonpal punjaz r 3I •zamolzog o; ;uatuA11d ;oazlp u Supieui Aq zo a ;org ag; zapun panto isdtouud ag; 2uionp31 Aq puma.' stiff; alum o; asoogo Arun 1apuari °1amonog o; papunjaz aq gitM smut' pauitulad papaaoxa iiotgM IONIC/110a tuoz3 pa ;oagioz Apsalie sums Aug (q) pus !mutt paotuuad am o; amp am aonpaz o; £itssaoau ;unoum am Aq paonpai aq (gets a21g4o usoi qons Aug (g) mat; `smug paptuuad a4; paaox3 ueori a4; 4 ;1M noto03uuo0 tit pa ;oaiioo aq 0 110 pa;03iio0 saazsgo ugoi 134 ;010 ;swam! a4; ;s4; os pa ;aidla ;tit Aiigug Si Msi ;sq; pus tango usog utnurtxeuz s ;3s qouok Mel g 0; ;oafgns s! uro7 ag; 3i MWJ aiqu0tgddy Aq JO ;uatuttl;sul A3tznoas sup Aq pa ;tgtg Agssa1dxa air ;114; saaj amp ;ou Attu zapua7 •aaj qons jo 2101rgo am uo not ;tqu old r sr panz;suoo aq ;ou iisgs lamouog o; aaj ogtoods u amp 0; ;uatutu;sui A ;tznoas sup to A;uoq ;ns ssazdxa Jo aouasqu am `saa; zaq ;o Aug 0; pze2a1 uI •533J uot;snisn pug not ;oadsut A3.ladozd `saaj ,sA3tuop11 `o; plum' ;ou ;nq `2utpniout ;uatunusui A ;tznoas sup zapun s;gSu pug A;zadold am to ;saza;ut s,zapua-i 2ut ;0a ;OZd jo asodlnd am 103 ;ingJap mamo.uog q ;tM uouoauuoo ui pauuoJlad 533In135 103 s003 zaMO.uog 3211140 Arm lapua-i •saSltga ugo7 •1 •1apua7 Jo su2tsse pug szossaoons ag; ;gauaq pus (oz not ;oas ut papinold sg ;daoxa) puiq (Tugs ;uatutu;sul A ;tznoas sup jo s ;u3tuaalSs pug s ;uguanoo 341, •SugiiM u1 asgaiaz gons 0; sOa1Se 1apua7 ssaiun ;uatunt;sui A;uno3s stiff; zapun A;giggg pun suo1;g2ggo mamozzoil max; p3se3i3z aq ;ou hugs zamo.uog •;uauuu;su1 *moos sup zapun s ;g3uaq pug s ;4St1 s,lam0zlog Jo jig ul11;go slugs `zapua7 Aq panozdde st pug `Sul ;11M 111 ;uatunl;sui A ;tznoas stg; zapun suopeSligo mamo.uog satunss11 o4M zamozzog 30 ;saza ;u' tit zossaoons Aus `s 1 moms jo suotsinold am o; ;oafgns ;uasuoo mau2ts -oo ag; ;nog ;tM mom am zO ;uaurtu;sui A ;tznoas stg; jo suua; am 01 maw q ;tM soot ;gpotuuz000s Aug mut z0 zeagzoj `A3!pout 'puma 01 aa12e tiro 13MOI1013 lag ;o Aug pug lapua-i Imp saal2s (o) pug ;uatmulsui A ;unoas sup Aq paznoas sums ag; Aud o; pawaggo Aiiguoszad ;ou s1 (q) :;uatunx►suj A ;tznoas sup Jo suu3; am zapun kuad0ld a4; tit ;saza ;tit mau21s -03 341 Aanuoo pug ;n12 `a2g2ytotu o; /quo 1uatmu;sul A ;tznoas s!41 2utu2ts -oo si (e) :(„1au2is -oo„ e) a ;ors 341 a ;noaxa jou saop ;nq ;uautnusul A ;tznoas sup su2ts -oo o4M 1amozzog Aur `zanaMOH °ie1anas pug Rol aq (Tugs *Ng!! pug suoi ;g2ggo MO/410110g 1114; saaw&s pus s ;uguanoo 1amo11og •punog su2issd pre s aossaaans :szatais -o3 :A;iitgtiZ itzanos put valor '£J •Apatual 10 ;g2tz Aug Jo 35!013x3 a4; apnioazd.10 Jo zantgM a aq ;ou (Tugs `anp u3g ;unotug am u11ija ssai s ;unotuu u1 10 1amo11og 30 ;Sala ;ui tit szossaoons 10 sat 1111.10 `suoslad p1tq; moo s ;uatuA11d jo aous ;daoou mapua1 `rot ;u ;lung ;nog ;tM `Suipniou! Apatu3l 10 14211 Au11 2utst3Zaxa tit 1apua4 Aq a3uu1eagzo3 Auy •1amolzog Jo ;sala mi ul szossaoons Aug zo lamozlog isut2ilo a4; Aq ap11uz pu11tuap Aug Jo 11051131 Aq ;uaunu;sul A ;!111335 si4; Aq paznoas sums aq; 3o uot;szt ;1ouis A3tpotu astMZa4 ;o 10 ;uatuAsd 10j Sun; pua;xa o; asnJa1 0; l0 13M0110a JO ;Salami tit 105533311S Au11 ;511111211 SSutpaao0ld 33u3unuoo o; paztnbaz aq ;ou (Tugs 13pua1 •zaMO.uog 30 ;sala ;ui to szossaoons Aue 10 zaMOZZOg jo A ;gtggtg am asrai3l o; a ;11zado ;011 11114s 1amollog Jo ;sama ;ui to lossao3ns Aug 10 13M0ll0 0; zapua7 Aq pa ;uez2 ;uaunuisui A;tmoas si4; Aq pa1n3as sums am jo not ;rztuotut jo not ;eogipotu 10 ;uau1Ard 103 amp a4; 3o uotsua ;x11 •aant1M t ;ON .zapun' SE{ aautasaq.zo4 :pastaiag .ta,uo.1.tog 'ZT 'Z not ;oas 111 1o; papinozd zaplo am to middy aq ti11gs A;.tadold a4; 3o ziudaz 10 110t 11110 ;531 0; pa11ddg 1011 are ;114; sp3a3O1d snoaugijOOslyA! iffy zapuaZ 0; pled aq gi11gs pu11 pau2tssr Agazaq 3111 A;zadold am to ;saza;ul s,lapua7 Jo ;uatultudtui a4; o; 3ig11 ;nqu.;;g 3111 ;114; sa2stu11p lo; tut11i310 p111Mr Aug Jo spaaoold 314J •;uatutu;sui A ;noas sup 1apun s ;4211 A;sadozd alp to Isamu! mapua1 Jo ;uamordun 111!13 ;11m 134 ;0 A;zad01d t7t,O !hSO 08'2044 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. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Page 12 of 16 Form 3051 1 /01 Initials. 1U3 17 0, :smpiul I0 /I IS0£ W1aa 913o £t a$rd aqs •gdrl2gzrd sup 3o sasodznd 1o; aigruosral aq o; pauiaap aq iitm pouad amp legl 'um/ aq uro uoilor utullao aiojaq asdgja ;snot gmtim pouad auui saptnold mgZ aigrotiddy 31 •uotlou antloauoo migl of aotlou bons 3o 2utnt2 ati; _lour pouad aigeuosuat r olanq kind i qlo aql pap _lo33u pug gouoiq pa2ajir Lions 3o (Si uotloas 3o sivatualinba_l alp gltm aouttjduioo ut uant2 aotlou lions gum) ,Cltud ioi o alp pautiou sgq .tapua-I 10 .1amo.uog lions !gun `3uatunllsui Altman sup `3o uosraz iiq pamo Amp Aug .to `3o uotstnold Aug pagogaaq srg Atmd zatpo alp Ir43 sa2ajjt tutp io luowtuusu1 Xltmoas sup oI lurnslnd suogou s,Allgd 1ag3o aql tuoz3 sasuu Imp (ssuio r 3o iaqulatu alp JO lur ignptntput ug zag310 su) uotlor iutotpnf iCur o3 pautof aq zo 'mot' `aouatutuoo Amu lapuai 1ou lamouog 1ag3jaN •aasutioznd a3oN 043 Xq paptnold astmlag3o ssaiun iasggamd 030N alp iiq patunssr Sou a _lt pug 1031n10S uto-1 .tossaoans t of pauajsuai aq 10 iootnzas uro-1 ag3 43tm utguia_l iitm 1amouog of suoi3g2ggo 2uiotnlas ugoi 02g2310u1 aqI `atom alp 3o _lasggoind of i mg/ impo 1aotnzas uro- paotn _las si uto-1 alp 103J 01044 pur pios st 030N alp 31 •2143tnlas 3o zaJsuu13 3o 0013ou g tptm uoiloauuoo ut saunbat ydSg21 uot3ututojut laglo iiur pug aprtu aq pinogs sluatuArd gotgm of ssatppg a43 _laotnlas urol mau ag3 3o ssalppu pug auigu agl alu3s titm tiotgm a2ug 0433o aotlou uapttm uant2 aq jitm zamouog `laotnuS uuo' alp Jo a2uggo r s amp 31 •aloN aq3 Jo airs g of paltiazun laotnlaS ugo' 041 Jo sa2uu4o 010W 10 QUO aq 342tui osjr alma mu7 aigtotiddy pug luatun_lIsuj Altmoas sup `aloN agI _lapun suot3e8tjgo 2utotn_las utoi a8t21_lout _lagio suuo puu Iuatuttusul Altman sup puu aloN am lapun anp s3uatuXud otpotlad sioaHoo lrgl laotn_las.utoi„ agI su umotnj) Altlua agl ut a2uttp r ut ijnsoi lg2tut airs y _lamouog o; aotlou loud Inog3tm saute clout JO auo pios aq uro (luatutulsuj tClunoas stgl g3tm 10410201) 040N ag3 ut 3Sa1a3Ui jrtllyd u 10 030N ata •aauenaia9 o aai30N :JaatnlaS u1o7 o a2ueq) :aloM o airs •0Z 81 =pas zapun uot3r1aia3ou o asgo alp ui Ajddr 3011 hugs aiulsu101 01 34211 sup `_lanamog •paun000 prq uotlr1aiaoor °u31 sr ani4oa33a Aiin3 mutual This 4ala4 pamoas suo13t2tigo pug Iuatutulsul A4 sup `lamouog Ac 3uatualt3su uodn •1ajsuuzy spund otuozloaig (p) 10 `Alpua 10 1Cltirluatun.t;sut `iCoua2g imam g Aq palnsut aiu sltsodap aso4m uotlnlilsut ut uodn umgzp st )ioago gons Auu paptnold 530040 s,latgsto 10 3130113 s,lalnsra13 3iurq `3ioago pagt3_lao (o) !Japzo Xauout (q) `.gsgo (r) :Japua -I xq paloaias su `stuzo3 2ulmojjo3 0 o 010111 JO 3u0 tit sasuadxa pug stuns luatualr3sutat gons td zamortog 1m1j1 aunba_l Attu zapua7 •pa2urgoun anutluoo 1W4s `3uatutulsul Alunoas sup Aq pamoas stuns alp gird o1 uot4u2tjgo s,lamouog pur `3uolutu4sul iilunoas sup lapun slg211 pug icuadold alp ut Isazalut s,lapua-1 3m41 a _lnssr o3 aitnbaz Ajgruosraz Attu iapuaZ su uotlor 43ns swirl (p) pug `Iuatululsul AumoaS sup zapun sup.' pug k.3zadold agl ut Isazalu! s,lapuarl 2u13oa3o1d 3o asodlnd alp 103 paztnout Saa310430 pug `saa3 uot;rnirn pug uotioadsut ,iliado.id `saa3 ,sAau1o33r 0igtuosta1 `03 paittuti iou lnq `2utpniout `3uaumusul itlunoag sup 2utoloJua ut paunout sasuadxa iig sXrd (o) `.sluautaa12g 10 sluuuanoo taw Aug 3o linrjap Aug samo (q) 'paun000 pgq uotlrzaiaoor ou ji sr aloN alp put ivatun11su1 Xlunoag sup lapun anp aq pinom imp gotgm sums iin lapua -1 MEd (r) _lamouog 3rg3 a _lr suotltpuoo aso4 1 •3uauln_l3su1 ziltmoas sup 2uIOIojua luatu2pnf 11 o Autia (3) _lo `.a3gisutat 01 14211 s,lamouog o uotlttntuial agI 103 A31oads 3g2tut Awl aigtoijddy sr pouad 10430 gons (q) :luatutulsul AlunoaS sup ut paure3uoo airs Jo lamod Cut 01 Iurnsznd Alzadoid alp o airs 0 _lojaq &Cup ang (t) :Jo lsati _lga alp of _loud atoll Aug it panut1uoostp Iuatuntlsul Allmon stop Jo 3uauiao1ojua anrg 01 34211 043 antg hugs zamouog `suotltpuoo utt3 _l03 s3aauz 10AOUOg 31 u0jle.iaiaaoy 1a33y a3elsuiag 03 lg2tg s‘1aAto.uog '61 •lamouog uo puruzap 10 0390u 10431113 lnogltm luaunuisul Iiitmoas sup iCq palltuuad saipautat Cut a)ionut Arm lapuai `pouad si4i o uotiultdxa alp 01 loud sums asap /iud o3 simJ _lamouog 31 •ivatutu3sul t(iunoaS sup Aq pamoas sums jig Ard mum lamouog gotgm utgltm s j =pas 17170Z030 0872044 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. follows: NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not Less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Page 14 of 16 Initials: Form 3051 1 /01 "gR:s[eu }u[ [0 /1 [SO£ W 913 °Sia u Iucuto, M jo smei uot;duaxa peaisawoq ag; Jo =tun Aq pue iopun s;g &tz lie santem pue saseaiaz zamozzog s.taniuM •t Z me j aigeotlddy iopun pa tuuad si ao3 ogjo Eutazego ag; pue pazapuox saoi uos zoo Aln d pztg; a o; peed si ooj aql Ji /quo ;nq ;uawnzasuj z wnoas sup 2uiseaiaz zoj aa3 a 3OMO.i10g amp .few zapua'j •s;soo uot;epiooaz Niue /(ed 'jugs zamolog ;uawnz;suj icumoas stq; amp.' Hells lopua -j ;uawnusuj itmoas sup Xq paznoas suns iie jo ;uawXed uodn •asuaiag •£Z •;i o; pal ;i ;ua Slle2a! suos iad .io uos.iad aq; o; ssaaxa Sue (a) pue tluawna ;sul ,C ;ianaaS siq; ,fq pa.inaas suns l!e o; (q) tsaa3 ,s,fauaofe alquuoseaa 'o; pa ;iwi! ;ou ;TN Iuipnpui 'ales aq; jo sasuadxa iie o; (o) :aapao Smpojjoj aq; ui paildde aq !legs ales aq; jo spaaaoad ags 'ales Sue p ,f;aadoad aq; asegaand ,few aaugisap s ;i ao aapua7 •Ane7 algeailddy ,fq pagiaasaad aauuew 04; ui pios aq !legs ,f;aadoad aq; pug 'ales jo aai;ou aq; gsiignd Hugs aapua7 •S1 uoi ;aas ui papinoad aauuew aq; u! aae+oaaog o; ales aq; jo aal ;0u !lugs aapuarl •,mew alquailddy g3L41 aauepaoaae u! ';uaaoJJ!p 3i ',f;aadoad aq; jo uoissassod ui uos lad aq; o; pun aamolaog 0; as0paa0j 0; playa! jo aai;ou an!R iiugs Iapuaq 'ales jo aatod alp salonu! aapuarl 31 •aauapina app 3o s;so3 pue saa) 6 s,fauao; ;g algeuoseaa '0; pa ;iwil you ;nq '3uipnpui 'zz u0i ;3as siq; ui pap!noad saipawaa aq; 2uinsand ui paaanaui sasuadxa ilg palioa o; pal;i;ua aq iiogs aapuarl •,t&e- alquogddv £q pa;;iwaad saipawaa aaq ;o Sue pug ales jo aa,tod aq; aMonu! Sew pug puewap aag;an3 ;nog ;iAt ;uawna;sul ,f;ianaas siq; fq paanaas suns lie jo lln3 ui ;uaW (0d a;eipawui aainbaa ,few uoi ;do s;! 10 aapuo' 900!, t1,0 4 o 08`x'4044 7 07 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: STATE OF WYOMING, Lincoln E BRADSHAW -MAGEE The foregoing instrument was acknowledged before me this JANE BRADSHAW -MAGEE a married woman. My Commission Expires: January 11, 2004 LAURIE MCKEE NOTARY PUBLIC COUNTY OF UNCOLN STATE Of WYOMING Page 16 of 16 March 5, 2001 (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower County ss: by Form 3051 1 /01