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Home My WebLink About87202111 11 1 i LO /L LSO£ wac4 IV 11 1N3WflaiSNi I OHHNfl aeW alppaJJ /aeyy aluuej- AIiwed eI6u!S ONIWOAM V I N1104 I 1V3 Jo smei aql Japan 2upspca pun pazcung10 NOIlVa0d900 a Si Japuol NVO1 4 1N3W1S3ANI 1NOW384 s! „.Japua1„ (0) luauangsui iilunoaS sup Japan JoSE5l1OW aql st Jamouog S3I138I1N3 391 A9 S1NVN31 SV 34IM ONV ONV9SflH 0H3V3 3V8 NVSfS ONV OHOVO S]WVP 18V3 s! „aaMoa.cog„ (g) •luauanoop sup of &Japt2I 11 Minn Jagla8oi pin a Z V L A a e n a g e d paw st gaign+ luaumoop sup sun= „;uauinJ;SUI k ;ianaas„ (1) '91 uopoaS ut paptnoJd osin are luauanoop sup ut pasn spuom jo aSnsn of 3utpie2aJ saint Temp i Z Puu OZ `S i 'ET i i suopoaS ui pauijap ate slalom io po pue Moiaq pautjap ate ivauanoop sup jo suopoas aidninua uc pasn spiop )N 1] `::13 "d ,a R ;a IDVd 2Id )IO,OU >1U 1O N "10):) 1\110a141"1 0 2 1 A RDVDLL QDY Al [ma BulpJOaag Jo3 auIZ sp41, anogv aaedg] L9 SWNOd 3DV01doW dWA St 10 l e8ed (5000) (AM)9 SNOI,LIA[IddQ L099Z0000L26 NO311 VHV98V8 :Ag pamdaid £9826 V0 39NVHO ZiZVL X09 '0'd NVO1 1N3W1S3ANI 1NO1.138d u.anlag SCE17TOCO 08 Lender's address is 175 N. RIVERVIEW DRIVE, ANAHEIM CA 92808 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated February 14, 2001 The Note states that Borrower owes Lender One Hundred Seventy —Five Thousand and No /100 Dollars (U.S. 175,000.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than Ma rch 1, 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 sxecuted by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: X 1 1 1 Adjustable Rate Rider 1 1 Condominium Rider Balloon Rider n Planned Unit Development Rider VA Rider 1 1 Biweekly Payment Rider -6(WY) (0005) Page 2 of 15 1 1 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 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. 631. Form 3051 1/01 [apoD diz] g Z L 8 2u!wodM [AID] [7aaius] jo ssaippe aq1 sey dpualmo golgM 1.0 /1. 1.90£ 11114 ,1! Ur. 5l 10 a eBed (s000) (AM)9 WW1 styl 10 a1ON oy1 iapun lapuaj dq pantaoal luawniisui layio 10 otoayo due 3i `IanaMOH •Aou011no .s-n, ui spew aq imp luawnllsui dlunoaS spy pun aToN alp iapun anp sivawded uouoaS o1 luensind swab Monsg io3 spun] And osin itegs 1aMO11og 'MOO aqi iapun onp sa2Jego alai pun saaingo 1uawAndo1d due pun a1o] alp dq paouapina lgap ayi `uo Isamu! pun `3o ind!ouud ay; anp uagM And ins 1aMo.uog •saneyD a WI pun 's32le ID ;uautdeda.rd 'sing; Monsd ;sala ;ul 'indioui.i ,{o ;uauided 'I :sMo!!oj se 0012e pun lunuanoo iapua7 pun 1amouog 'SINVAIHAOD Y�)2IOdIAIf1 •duadold teal 'uuanoo luawnxisut dlunoas wlojiun a alulpsuoo 01 uopotpslflnf dq suotleuen pailful!! pm siueuanoo wlo ;tun -uou pun asn inuonnu ioj slueuanoo auojtun sautgwoo A.LRICIOgS SIH,I. •plooaljo saoueigwnoua due of loafgns `spunwap pun sumo Iie isuie2e duadold aq1 01 gyp alp /Helaua2 puajap !pm pun s1ue11EM 1aMOUOg plooal 3o saoueigwnoua 103 ldaoxa `paiagwnouaun si diladold ayi legs pun Auadold aq1 danuoo pun urea' `a2E2uow of 11.12t1 aqi sey pun padanuoo Agalaq alelsa ay1 jo pastas dljnJMn! st 1OM0110$ 1ey1 SINVN AOD 2I3MMAOfRIOg „•dlladold„ agi sn luawn isui dlunoaS spy in 01 pauajal Si 51to2oJoj aqi jo !id •luawnllsui dltinoaS stye dq pal0A00 aq osin treys suowppe pun sluawaoeidal ip r •duadoid alp jo ued a impala!! 'so Mou samlxt3 pun `saoueuaundde `sivawasna Hu pun `duadoid gyp uo moan 1a13na1ay 10 MOU sluawanoldw! aq1 He H.LIM 2E1HJ 2DO,L „ssoippy A11ad01d 3NId1V HO NUOHN313 SV L OOOlOZOP8t.81.L£ :lagwnNQIIaamd 03113H lHVd V 30VW 0NV 013113H 03H3V11V NOI1dIa0S30 1V031 33S [uouoipsunr Su pioaaw jo aweH] [uonoipsunj Su)plooag ;o ad,(Z] N100NI1 Jo A1uno3 0y1 ut paleoo! duadold paquosap SutMOl03 alp `gins jo 1aMOd pm `su .Stssn pun slossaoons s,lapua'i pun lapua7 01 danuoo pun 1ue12 `a2ntuow dgalaq saop 1amo11og `asodlnd SUP 103 010N ay1 pun luawnllsui dlunoaS spy lapun sluawaaan pun slunuanoo s,1OMO11og 3o aoueuuojlad ay1 pun :a1oNj aq1 3o suopnotjtpow pun suotsualxa `s[nMaual !in pun `ueoo ay13o luawdndal aq1 (t) :lapua- 01 samoas luawn isui *moos spa A.L2IddO2Id RILL All S.LHDI'I dO 2I &ISNd2LL luawnllsui AulnoaS sty! 1o/pue aION ayl lapun suopg2ggo s,1aMOuog pawnsse sey Aund wry lot! JO 10111011M `dlladold 0141 0101111 ua3te1 sey 1eg1 Surd d dun sueaw „aaMollog {o;sala;ul ui lossaaans„ (d) 08'72021 G33 Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of (rip -6(WY) (0005) Page 4 of 15 Form 3051 1/01 t7 f;3 L0 /1. LSO£ WJod 5 t !0 g e8ed Moo) (AA/0 WO OI u ?gf ?M •uaci ow 5u?iC3puap! aanou a lamouog an!2 /Wu! lapual luawnllsul Apinoos sup JOAO Aluoud un?11e ueo gatgM uatl g of loafgns s? ,(11adoid atp jo lied i(ue letp sautunalap lapual 3l •luawn.nsul ,Clunoos sup 01 uaq atp 2upeu? lapual o1 £toloujsries fuawaaae ug ua?i ails jo iapiog atp won samoas (a) so :papniouoo ale sSuipaaoold tans Inun Apo inq `3u?puad am sSu?paaaoid asogl a! ?qM uai atp jo fuawaa1OJua atp luanald o1 alnlado uo ?u ?do s,lapual u? tolrM s8wpaaooid jRSa! `u? uag atp 301uawaaloJua lsu?g2n spuajap .10 `Aq gi►e3 pool u! tail at1 sisaluoo (q) :luawaaar tons Su?w.tojiad s? iamouog se 2uoi os Alto inq `lapual 01 algeidaoon iauuew g u? uaq acp ,iq pamoas uoni i qo ow jo 1uaw,Ced atp o15uphM ut s00.15e (g) :lamouog ssalun luawnllsul /iunoos sup JOAO ,(iuoud snq to ?qM ua?! Niue a2mgos ?p Apdwold !legs IOMOUOg uopoas u? pap?nold iauuew ail u? wall And pugs lamouog `swan M010sg ale sua1t asag11et1 alp al, 'Aug 3? `sluawssassd pug `saad `sang uopetaossd X1?unwwo3 pun 'Aug j! `A11ado1d ati uo sluai puno1S io sluaw,(ed plogosgal `luaun.nsul ,(lunoas s ?qi JOAO ,(luoud uielln tiro town A11adoJd alp of aigelnqune suop?sodut pug 'satin `sa2rego 'sitiawssasse saxes im And lints lamouog •suari :sang1J •b lapual Aq plaq spund Aug iamouog of puma' Apdwold !Tugs .tapua-I luawniisui *moos sup Aq pamoas suns 11g jo Iin3 ut luawAnd uodn •sluaw,Cgd ,Cltliuow Z ueti wow ou u? inq `ddSgE ill ?m aouepl000n u? ,CanapIJap aq1 dn ailew o1 £russaoau lunoue atp iapuarl of And Nets iamouog pug `ddsgg ,(q pannbat se iamouog ,C3pou !lets lapual `dds sapun pau?3ap sn 'mama u? plat spund 30 Aoua ?a ?dap u Si a1 I12JI •sivawAnd Xltluow ZI until aloes ou u? 1nq `ddSdg gum aatreplooan ut a2euogs atp dn oval o1 A.ressaaau iunoure atp lapual of i(ud Trots .tamouog pun `vdSg2I q pannbai se iamouog ,(3pou rings lapual `VdSg2I sapun pau?3ap se `M013s0 ut piaq spund 3o a2nnogs a Si maul 3I 'VdSH 1 tUm aatreploaoe u? spund ssaaxa atp 103 1 M011og rn lunoaon pugs lapual `ddsgg sapun pau?3ap sg `M01asa ui plat spund jo snid.ms a st atom 3I •VdSd2I ,Cq pannbai se spund alp jo Supunoaae lenuun tie `a2mtio lnotp ?M `1aMouog o1 antg hugs lapual! spund atp uo p?ed aq pegs Isamu! imp 'lanamoq TunnM ut aa.an tea lapual pure 1aM0110g "spund alp uo s5u ?tuna 10 1sa1a1ul Aug 1amo11og ,Cud o1 pannbat aq 1ou pugs lapual `spund atp uo pnid aq o1 1salalu sannbal Meg aiqua ?lddd 10 qurluM u? apew s! luawaat& ue ssalun •a&ggo n tons a)lnw of lapua'sluulad Meg aigeo?Iddy pure spund atp uo Isamu! .OMOIIOH sArd lapual ssaiun `swan mama aq1 $u1t(3t1an 10 lunoaoe mama atp «u?zAlgue A pinuun `spund aqi 3u?,(Iddg pun 2u?pioq 103 1aMOUOg a2lego 1ou pegs lapual 'ddSg2I sapun pa ?3?aads awn ow untp 1afn1 ou swan Molasg all hd o1 spund aun Alddn pegs lapual Mutt until awog lelapad Aug u? 10 (palnsu? os ale silsodap asogM uonnlnsw an Si lapual 3? `lapual 2u ?pnlau?) Alpua 10 `hImuaunllsut `Aoua2n lnlapaj a Aq painsu? ale si ?sodap asogm uopnlpsuu ue u? piaq aq Begs spund at,l, Mgg aiquo?lddd ti ?M aouepl0aag ut astMlatpo 10 swan M01osg alnln3 3o salnl?puadxa 3O salewnsa alquuosea t pug elnp maim jo s ?snq atp uo anp spund jo lunown atp ainwpsa !lugs lapual •ddsgg sapun a1 nbat ueo lapual u lunoure wnw?xgw agi paaaxa o1 sou (q) pug `ddsgg sapun pa ?3?oads awn aup le spund atp Aiddg of lapual 1 ?uuad 01 lua ?OU3ns (u) funoure ue u? spund Nog pun loalloo `awn Aug in ',(mu lapual uonaas sup sapun pannbal uatp ale iut1 `siunoure tons ut pun `spun] tln lapual 01 And pegs 1amo11og `uopnoonal tans uodn `pug SI uonaas t1 ?m aaunplooan w uan!S aonou n Aq awn Aug in swan M01asg Ile 10 Aug 01 su Ian?gM atp alona1 i(ew lapual •lunowe tons t(tm lapual 01 Andal 01 6 uonaas sapun pains ?Igo aq uatl Iings Umo11og pug lunowe tons ad pug 6 uonaas sapun as ?olaxa Arm lapual 'wan mama u e 1o3 anp lunoun atp And o1 sjLn3 JOMOUOg pug '1an?lM n O] iunnsind `Apoanp swan Molasg And 01 pam2pgo Si 1JMO110g 3I '6 uonaas ut pasn s? „luawaaan pun ltreuanoa„ aselgd alp se luawnllsul i(ltlnoas sup u? pau?eluoa luawaal2n pun It nuanoa g aq o1 pawaap aq sasodlnd !in 1o3 !legs sidtaoal aptnold of pun sluawAnd tans 03lnw 01 uopn2?Igo s,lamouog •annbai ,(gw lapual se pouad awn tons u?gl ?M 1uauthd tons 2u?auap?na sidtaoal lapual of tis ?u1n3 !legs `sannbal lapual 3? `pure lapual ,(q panUM uaaq snq spund 08'720 c> 6(WY) (0005) days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to Page 6 of 15 Form 3051 1/01 63 5 C 9 1.0 /1 $S0£ mod S l lot e 8e d (s000) (A M)9- ‘0" alquuoseai SutAed (o) pue :unoo u! Suueadde (q) :luawnnsui Anunoas sup zano Aluoud sett ttoiiM uai g Aq porno-as scans Aue SwAed (e) :ol pauwii lou are inq `apnput uyo suonoe s,zapual •Auadozd alp Suuigdaz Jo /pue 2uunoas pue `AuadoM am 3o amen alp 2utssasse io/pue guuoa,oid 2uipnput `luawn11sul Auznoas sigl iapun s1g2u pug Modal agi ui Isazalu! s loaloid of algudozdde JO aigeuoseai sr zanalegM io3 Aed pug op km zapua7 uag1 `Auadozd alp pauopuege sett zamouog (o) .ro `(suonelnSaz JO mMei ao1ojua o1 JO luawnnsui A1unoas sup JOAO Aluoud urge Aew yotgM mil a ;o luawaaiojua zo; `ainua3.ro; 10 uoneuwapuoo io3 `alugoid `Aoldnzjueq ui Suipaaoozd a se tons) ivawnnsui Alimoas sup zapun s1gSu io /pug Auadozd alp ut Isamu! s,zapun loam Arueot ;iuSts 1g2uu reel Sutpaaoozd legal e st warp (q) trawnnsui Aiunoas sup u! pauteluoo sivawaai2e putt sluguanoo ayl wio;zad o1 sj?n3 iaMouog (e) 3I •;uauma ;sul A;unoas spn aapun pue A ;aadoad aq; ut ;saaa;ul s,.rapual ;0 not ;oa ;oad '6 •aouapsaz igdrouud s,zamouog SE Auadold aql ;o Aougdn000 s,iaMouog Suituaouoo suoneivasaidai `oi paliwti lou azg 1nq `apnioui suoneluasaidai ieualeini •ugo' alp trim uonoauuoo ut (uoneuuo;ut inualgw trim zapual apinoid 01 patty; zo) zapua' o1 31110walyls z0 uorgw10;ut man zo `...we-mull `assn; Aiteuaigw ants 1UOSU00 10 agpaiMOUai s,zamouog trim JO IOMOUGH ;o uonoanp alp le gripe sannua z0 suosiad Aug JO 10M010 `ssaaoid uoreoiidde ueoi aql Suunp `;i 1ine;ap ut aq Heys zamouog •uot ;gagddv uuo' s •g •asneo aigeuoseai Ions SuiA;ioads uonaadstn 1oualui ue tons 01 zoud 10 Jo awn alp le aonou z0M0u0g anmg !tags zapun •Auado.rd ati uo sluawanozdwt aqi ;o .roualui aq1 ioadsui. Aew zapual `asneo aigeuoseaz sett a 3i •Auadozd alp ;o suoroadsui pug uodn saulua aigyuosgai 031gw Aew 1u02y s1! 10 iapuaj •uonyiolsai JO iludai tans ;o uopaidwoo aq1 zo; uone2ggo maMouog ;o panatiai loU Si zamouog `Auadozd aqi 01O1s0z 10 .rimdai 01 luatoi;;ns 10U azy spaaooid uonguwapuoo 10 aouyznsu! aq1 ;i •palaidwoo Si 311OM atr se sluawAed ssaz$ozd ;o sauas g ui 10 luawAnd aJSuts a ur uoneaolsai pug sziedaz ati 10; spaaoozd aszngsip Arm zapua-i •sasodznd tons zo; spaaoozd paseapz sett zapua7;i /quo Modal,' agl Suuolsaz JO guutedaz zo; aigisuodsaz aq !tags zaMouog `AUadozd alp ;o game; NI 10 `01 agIUrep giiM uonoauuoo ui piyd amm spa-amid uoneuwapuoo zo aougznsU1 Jr •a8ewep JO uongzoualap zatrzn; prone o1 pagewup ;t Auadozd ag1.imdaz Apdwozd Heys zamouog `atgtsga; Aiieotwouooa lou st uonezolsaz 10 ngdaz lygl S uonoas of luensznd pautwzOIap Si lr ssaiun •uoripuoo si! o1 anp amyn ut Sutseazoap z0 guneJoualap wag Auadom alp luanazd 0110p10 ut Auadozd aq1 uiglurew Hugs zaMouog `Auad0Zd atp ut Sutpsaz Si zamouog lour 10 zatgagM •AUadozd aril uo mum Iru 10 alezoualap 01 Modal,' atl moue `Auadozd alp nedwi JO a2gump `Aonsap loll pegs IamOUOg •soot ;oadsuj :A ;aadoad aq; ;o not ;aa;oad pue aaueunum 'uO!;enaasaad •L 'ionuoo s,zamouog puoAaq azg yoigM lsxa saouelswnono Sungnualxa ssaiun zo `piagylim Aiquuoseazun aq IOU hugs IUasUOO yorgM `SunuM ui saai2e asIMZaylo zapuaZ ssaiun `Aougdn000 ;o amp am zaw zgaA auo iseat lg zo; aouaptsaz iedtouud maMOUOg se Auadozd alp Adn000 01 anutluoo harts pue luawnnsui Animas sup ;o uornaaxa ati za1;e sAgp 09 wpm aouaptsar lediouud s,zamouog se Auadozd alp asn pug `gsiigelsa `Adn000 !legs 10MOU0g •Aauednoa0.9 •anp mg) 10U 10 zatpaiM trawnnsui *moos sup 10 010N alp zapun pydun slunoure Aed o1 JO Auad0Zd at1 0101S01 JO 'redo.' 01 ova spaaoozd aouemsur alp asn Agw zapuarl •Auadozd alp Jo a2yzanoo alp 01 algeoiiddd azy s1gSu tons se ze;osui `Auadozd aql Su sarotod aou1znsut Ile zapun (zaMouog Aq pied swniwazd paUZeaun ;o pun;az Aue o1 1tSu alp until zagio) sig8u maMouog ;o zaglo Aug (q) pue luawnnsui Alunoas siyl 10 alorl ayl zapun ptedun slunoure alp paaoxa 011ou mourn ue ui spaaoozd =emu! Au% o1 s1gSu s,zaMouog (e) lapin o1 sugisse Agazaq zaMOUOg `as!nuagio zo ZZ uoroas zapun Auadozd oq sannbou zapua'l ;t 10 `Juana zayl1a ui •uanIS Si aonou ayi uayM uigaq HIM pouad p 0£ aq.L wrap attl arras putt algno2au Amu zapua' uattl 'rump a arras 01 paza; ;o seq laiugo aoueznsat aq1 Imp zapuOZ wag aonou g o1 sAep 0£ ut(ITM puodsaz 1ou saop zaMOUOg J1 •sIa11ew pomp' pue warp aoueznsut aigepene Aug arras pug alenoSau `alt; Aew zapuai `AUadozd ayl suopuege zaMOUOg ;i •Z uonoas ui zo; paranoid zapzo alp ui patiddg aq !ryes spa-amid aouemsu! vans •zaMonog 01 pr yd `Aug ;t `ssaoxa atl yuM `anp uagi 10U 10 z0g10(M lUawnnsui Alunoas sup Aq paznaas scans alp zoz4.s° 0S o2i -6(WY) (0005) Page 8 of 15 attorneys' fees to protect its interest in the Property and /or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. Form 3051 1/01 L0 /1. LSO£ 11110j B l to 6 eBed (5000) (AM)9 z uovoas ui .I03 paptnomd iapio 0141 ui pagdde aq Heys Auadoid ag1jo .nedai .io uoneloisai o; patjddd 1ou am 1em spaaooid snoaueltaosUAI it`d •1apua7 01 pied aq tteys pug pautsse )(gang am ,CUadoid ap11 ut 1sa.ialu! s,lapu0-' jo luauuiedwi alt o1 *lemming a113 1ey1 sa2gunpp .Io3 unylo .Io mine Aim jo spaaaoid auZ •lvawnxisul Aumoas spit .Iapun s1y2U .Io AllOdold ail ui 1swa1vi s,Japua i 3o luavutedwt lnual13w 'alto so ,(110do.Id 0111 jo asnitajio3 sapntoaid luaw2pnf s,lapuai ui `1ey1 2utini e tmm passi usn aq o12wpaaooid .Io wpm am Buisngo ,iq `61 uopoas ut papinold se alelsutai `paunoao sett uopeJal0Ooe 31 `pug 4nejap a ions onto ueo lamatiog •1u°wnllsul i(lunoas snit .papun s1i2U JO X1.10domd 0111 up 1s0.I01111 s,lapua luauunndwn jeuatew iaylo 10 ,C1.I0dold 0111 JO 0.In)ia310J ui llnsa.I moo `1uaui pnf s,1apuaj U! `113pp un2aq st '11uiui.Io so 1pnta 1OLi1attm `2wpa0o01d JO vouog ,Cue 3t I1n133ap ui aq 1113tts JoMouog •sp0000ld snoauniIOOSIJA1 pie2ai ui u011oe 30142u g seq .IamOUOg woLiM lsulag /cued alt JO spaaooad snoaueilaostyl .iamouog samo teg1 Mmd pip alt sueaw „d11ed 2uisoddp„ •anp vag1 10u .10 iaylaym luawnnsul ,ilunaas spit ,(q poinoas scans oq o1 .io i(uodomd att13o imdam .io uout10lsa.I 01 lay;ta sp00o0Id snoaugllaosm 0111(idde pug la0noo of pazuogtnn st .Iapua-1 `uant2 st aouou ate amp ay1 Ia13e &Cnp p£ up.n!M iapuar o1 puodsai 01 site;1OMOUOg `sa2nui p Io3 tureen n arms 01' mune ue a)1ew o1 sra33o (aouaivas lxav 0111 ut pau!Jap se) Almed gupsoddp oql left .I0MO11Og o1 iapua-I ,(q aouou Iwo `3t 10 `10m0u0g i q pauopuege si,(u°domd alt 3I •anp ualt an stuns alit loU so 10110LiM luawnnsul A11.11100S pamoas scans 0141 ot po1ndde aq t1egs spaaoold snoauellaosryl ail `2upuM ui aw2g °swM1a11m° Iapuai pun mamo.uog ssalun `amen ui ssoi 10 `uopan.sap `2uplgt mnnred am mpg A1aleipawwi pamoas scans atg jo lunoure ail uetp ssal si amen ui ssoi 10 `uopon1lsap ,`suplet leered alt 0iojaq A1aleipawwl ,Clladoid alt 3o amen 103pgw 1113 alt Lio1LiM ut Atiado1d 0141 3o amen ui ssol 10 `voponItsap mind n 30 loan° ay; u1 loMouog 01 prod aq 11ngs aouglmq i(ud 'amen ui ssoi .Io `uoilonllsap `$upset milled aq1 aiojaq 1100 Ipatuwi Auadoid °Lit jo amen twiiew 13133 0141 (q) i(q papiMp amen vi ssoi 10 `uononnsap `2upiet punted otp atom ,0011 pawwt pamoas sums oql 3o lunowe mot (e) :uopon.I3 2wmouO3 0141 Aq pagdpinw spaaooid snoauellaostyv 0111 30 lunotue alt Aq paanpat aq units lvawn.usui ,ilimaas s qi ,(q pamoas suns 0141 `2upuM ui aa13e as!Au0g10 .Iapua1 pun 1amouog ssalun `amen ut ssoi 10 `uonon.nsap `2upiet 'wind 0141 oiojaq Al0lgipatuwi Iuawnitsui 1Clunaas si11 ,Cq pamoas suns amt 30 lunoute ail unit 1a1ea1g so 01 lenba si anon ui ssoi 10 `uouonmisap `2uniet Trued ail =jag ,Cpleipawwi Auadold °pp 3o awn 1ax1nw •Tina 0141 gotgM ui i(uadoid 0141 3o amen up ssoi so `uolon11sap 1upint'g111ed g 3oluana amt uI •IaMOUOg o1 pied `At m 3t ssaoxa 0111 titiM `anp ualt 101110 Iatpa1M `luawmAsul 1Clunoas spttl I(q poinoos scans 0Lii o1 pattdde aq Hugs spaaooid snoauettaosiJAJ 0111 `Muadomd ag13o amen ui ssoi 10 `uouan.nsap mot t 30 maw 0141 u' •z uonoas ui mo3 papino.Id Iapmo alt ui pattdde aq i1nys spaaooid snoauellaos1JH ions •13M011og o1 pied 'Aug 31 `ssaaxa aLi1 11IM `anp vayl toll io matpagm luawnlnsuI i(lunoas sup Aq pamoas suns ail 01 pattdde aq 11ggs sp00o01d sno0uellaosm ay1 `pauassal aq P1noM Munoas s,1apu0Z so aigisea3 Alleotwovoaa toy Si 1I13da1 JO uop1IOIS01 0141 •spaaooid snoau131i0osm yaps uo s211p11iea 1O Isamu! ,Cog 10m0uog And o1 pannboi aq 1ou ip qS mopua-1 `spaaaold snoaugl'aos1Y11 ions uo pied aq o1 lsamalui sannbal MeZ algeoilddd 10 Su11UM ut °pew st lvawaaR13 ue ssalun •palaidwoo si 3110M am se sluaw,Ced ssai2oid 3o sauas g up 10 luawasmgsip alsuis t ui uo1g1olsa1 pug medal a11.Io; And ,Cgw iapua-1 •Apdwoid uartiapun aq Hugs uouoadsut gons 1ey1 papinoid `uopoejspes s,mapua- of polaldtuoo uaaq sty 3uoM alt amsua 01 i(uadold Lions loadsui o1 A1tun11odd0 un pug seti Iapua33 luun spaaooid snoaugllaosm lions Ploy o1 142u 0111 ang1 hugs 1apua' `pound vortex:ow pug pedal gons �ut.InQ •pauassal 1ou si Alunoas s pun atgtso3 (titottuouooa s! nodal so uoug1ols01 a113! `Atiadoid aLi1 11tda1 uopgmolsaI 01 pattdde aq 11uls spaaaoid snoauniposmi tans `pa2ew1p si i(110doid alt 3I •Iapuai 01 pied aq 11Egs pug o1 pau2iss13 Agway 0113 spaaaold sno°u1JJOOStp1t ltd •a1n;1a31o3 :spaa301d snoaue11a3smi 30 luawu2psd •II •uoi ;eulwla; .10 uol ;ell00ue0 gons 30 awl; aq; ;e pauleaun a.aM my; swniwaid aaueunsui a2e2 ;IOI, Sue 3o punjal a aniaaa.1 0; 10 /pugqlleai ;ewo ;ne pa ;eu!wia1 aauelnsui a$gt ;10ikJ aq; 0A1110; °a3uninsui a2e2;1Ow aq; 30 uoi ;ellaauea evict() pug ;sanbai 01 'salnsopsip umllaa aniaaal 01 114211 aq; apnpui Sew s ;y41 asagi -met Ia ;o ,Cue Jo 866130 ;od uoi ;aa1o.rd slauMOawog ay; Iapun aauelnsui a2g2;Jo Al aq; 01 padsal y ;IM Sue 31 sett Iamol1Og s;1211 aq; pa33e Jou 11tH sluawaal$e ions ,Cud (q) 08'20 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be Drily 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. -6(WY) (0005) Page 10 of 15 Form 3051 1/01 639 O er)-0(WY) (0005) Page 11of15 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 Section 15 within which Borrower must pay all sums secured by this Security Ins( ument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses 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. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a Form 3051 1/01 08'2021 notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the otherparty's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse'before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition; or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. -6(WY) (0005) Page 12 0115 Form 3051 1/01 toll ISO w1oj St to et eBed (soon) (AM)9-11;) .2uiwo,iM 3o smni uoi;dwaxa pgalsauoq aql jo anuu t pug aapun su u ug saninM pug sasnaiai aamouog •saan!EM •bz •Mgrs aiggogddy aapun pawwaad si aaj aql jo 2uiaaggo am pug paaapuai saoinaas io; /Curd pngl g of pied si aaj aqa 3i /quo lnq ivawnalsui A;unoas siq; Wuisgaiaa ao3 aaj g aamouog a�mga ,Cgw aapua-i •slsoo uongpiooai kun /Cud units aamouog •luawnalsui AlunaaS sup amp' Timis aapual 'luawnnsui ,C; sigl iq paanoas sums iig jo luawAgd uodil •aseaiau •£z ;l o; pal ;l ;ua Siiaal suosaad JO uosaad aq; o; ssaaxa ,fun (a) pun ;uawna ;suI k;unaas siq; ,fq paanaas stuns ile o; (q) :saaj ,s,fauaofe algeuoseaa 'o; pa ;iwg ;ou ;nq luipniaui 'aies aq; jo sasuadxa lie o; (e) :aapao aulM011o3 aq; ul pagdde aq Hags ales aq; jo spaaaoad aqy •ales Aug ;e Spadoad aq; asegaand ,few aaualsap s ;l ao aapuai •Mei algeandd' paglaasaad aauuew aq; ul Nos aq 'legs d;aadoad aq; pun 'am jo aai ;ou aq; gsiignd 'legs aapua-I •SI uolpas ul papinoad aauuew aq; ul aaMOaaog o; ales aq; 3o aal;ou an!S hugs aapua-I •Mn-; alquallddd q ;IM aounpaoaan u! ;uaaajj p j! q;aadoad aq; jo uolssassod ul uosaad aq; o; pun aaMOaaog o; asopaaoJ o; ;ua ;u► Jo aal ;ou anl2 Begs aapuai 'ales Jo aamod aq; saalonut aapua1 JI •aauapina alai; jo s;soa pue saaj ,sSauao ;e aigeuoseaa 'o; pa;lwg ;ou ;nq lulpnpui 'zz uol ;aas qq; ui papinoad salpatuaa aq; 3uinsand ul paaanaul sasuadxa He papa o; pal ;l;ua aq pegs aapuai alquagddv ,iq pa ;ituaad salpawaa aaq ;o Sun pun ales jo aaMod aq; alonul ,few pun punwap aaq;anJ ;nog ;IM ;uawna ;suI ,f ;lamas s,q; Sq paanaas stuns He jo IIn3 ul ;uaw,fed a;nlpawwl aalnbaa ,few uol ;do s ;l in aapua-I 'aal;ou aq; ul pagloads amp aq; aaojaq ao uo palm ;ou sl ;Inujap aq; !I 'am pun uol;naaIaaae o; aaMOaaog 3o asuajap aaq ;o Sue ao ;IneJap e jo aaua;slxa -uou aq; ;aasse o; uol;ae ;anon a &gaq o; ;q21 aq; pun uol;eaalaaae as ;,{e a ;e;swaa o; ;g2la aq; Jo aaMOaaog waoJul aaq ;an3 lings aapou aqj •,C;aadoad aq; 3o ales pun ;uawna ;suI A;lanaas slq; ,fq paanaas suns aq; Jo uol ;eaalaaae ul ;Insaa ,few aal;ou aq; ul paUPads amp aq; aaopaq .10 uo ;In1Jap aq; aano o; (p) pun :palm aq ;mu ;)neJap aq; ga)gM 'aaMOaaog o; uan)B s) aal;ou aq; a ;ep aq; woIJ sSup OE ueg; ssal ;ou 'app u (a) ln1Jap aq; aim o; paambaa uol ;ae aq; (q) :;ineJap aq; (e) :Ajloads hags aa);ou aqd, •(as)nuaq;o sap)noad M11 algeogddd ssalun gT uol ;aas aapun uo);eaapaae o; aoud ;ou ;nq) ;uawna ;suI ,f;lanaas slq; u) ;uawaaa2e ao ;ueuanoo Sue 3o gaeaaq s,aaMOaaog Su!M011oJ uol;eaa)aaae o; aoud aamoiJog o; aal;ou an);I Hugs aapual •salpawag !uol1eaala33d •zz :smoiio3 sg aa.au pug luguanoo aaglanj iapua-i pug aamouog 'S.LNVNgAO3 Y�t2IOdINf1-NON 0 872021 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: a -6(WY) (0005) ARL U ES CACHO SUSAN RAE CACHO (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower Page 14 of 15 Form 3051 1/01 IO /L LSO£ WJOd """)...(0 *TYYrn0 :ss df;unoD 91. to gl eeed TOOZ `40aRl,I Jo ARP PUZ oHgnd XimoN u (g000) (Am)9. CS) £0/Z T/6 :sandxg uotssiunuop ,cy� ogow0 asI uusnS pus ogou0 Bawer Taus mil aui aiojaq papainnouve suns luaumzasu! 2uioSaio3 OLIj ,fq NIIINOAM IO 3IVIS O& Number: 03014359 LEGAL DESCRIPT70N That part of the 3E1 /45E1/* of section 18 T37N Wyoming, being part o Wyoming Count of that tract of record 14118fi Lincotn Count Amends Y in Plat Number lOB,q i8 the otticw of the Y Amended, Lot 68, as tallom Alpine Villa he Clerk of 9e subdivision No. 1, Plat 3 B EGINNING at the co 03 N Drive; B EGINNING 3 the N feet; thencener 622°13'14°W, of said Lot 68, found this survey, thence 589 N67 3 "W 493.79 an arc of a circular 287.09 feet; thence feet to a 40 3 2 on t, with a radius o r curve to the left No rthwesterly Elkhorn f 180.97 f th ence N ?1 a5 u911 a central angle 'feet, along Beginning, th 82.29 of 44 25' ?e„ bees bearing for 26 W. Sea. ?9 Beginning, this survey is the toot to the 68 North line of rose of EXCEPTING Lot 68, being T-zNG Tff.EREFO RIr that' parcel of EXCE TI T E recorded property d escribed In that certain May 12, 1998 in Book 411 P.R., Page 558. SC7fEDUL HIV Y 9 9 aqi 1 11 11 u W n(008) SW!!Od 30VJL OW dINA emu! 5 Lo L eBed �r clots) fl669 AHwed el6u!S 83018 31V8 3ievisnrav 31ViSI11nW :snnojjo3 sr `maw /Cud Xjgpuoui aqp pug am 1sa.zaput aqp ui sa2ugga zoj sapinozd a1oN glg g JO algz lsazaput jgtaiut ug zol saptnoid a1°N aq! SaDNIVH31NaIAIAVd QMMMV aivu 1S1U31NI 'd :smojjol sg aadg pug puguanoa zaqunj zapual pug .tannouog luauznnsul AlunaaS atp ut apgut sluautaa v pug spuguanoa a111 0p uoWppg uI •S.LNVNIAOD 1VNOLLIUUV 'S1N3WAVd d3M01 NI 11f1S3d 111M 31VH 1S3d31N1 3H1 NI S3SV31:1330 'S1N3WAVd d3H0IH NI 11f1S3d 11IM 31 1S3a31N1 3H1 NI S3S1/3H3N1 '1N3INAVd A1HINOW AW aNd 31dd 1S31:131NI AW NI S3ONVH3 HOd DNIM011V SNOISIAOdd SNIV1NO3 310N SIHI [ssaipp 1Cuadoa :pg papgaoj pug puauznzpsul 'Cpunoas aqp ut paquasap Auadozd alp 2utzanoa pug apgp aun?s aq1 30 zapua-j„ aqp) NV01 g 1N3111S3ANI 1NOW3dd op („apoN„ aqp) a1oN apgg ajggpsnfpd mamonog aznaas op zaMo.uog„ aq1) pauSIszapun alp Ai uan42 amp au i s aqp jo („3uauxtuisul iipunaas„ alp) paau 4unaas zo 1sruj, jo paa j `a2g2uoiAi aqp puauzajddns pug puawg op pauzaap aq Hugs pug olui pamodzoaut s! pug L 0 0 Z II a e n a q a4 3o Agp 4401 stijp apI U st'J IURI H.LV I g'IHV LSlliGV SIH.L 9N .C9 AM 3NId1V 3AIUO NLOH)1013 gtil HUflI MINN f HV LSMCIV T O74.SO 0872021 (B) The Index Beginning with "Index" is: the average of i deposits in the JOURNAL. The most I 424;899U (9701) Page 2 of 5 64 r i 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the f i rst day of March 2003 and on that day every si xth month thereafter. Each date on which my interest rate could change is called a "Change Date." the first Change Date, my interest rate will be based on an Index. The nterbank offered rates for six -month U.S. dollar- denominated London market "LIBOR as published in the WALL STREET recent Index figure available as of the date: 1 X 1 45 days before each Change Date is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new Index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding Five and Two Hundred Seventy Five Thousandths percentage point(s) 5.2750 to the Current Index. The Note Holder will then round the result of this addition to the X 1 Nearest 1 (Next Highest 1 Next Lowest One Eighth 0.125 Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. Interest -Only Period The "interest -only period" is the period from the date of this Note through N/A For the interest -only period, after calculating my new interest )o EGeed 7 ou aT {1 $u9pzn2az Xrnu I uopsanb 'Cuu zaMSU1 'pm otim uoszad i jo zaquznu auogdaiaf pu11 aim agf osie pue auz uant2 aq o1 mg' paztnbaz uotiruuoJut apniaut 'pm aatiou aqy amp Cue jo alep anpoa3Ja agi azopaq ivatuAed Xjgluotu Aux jo lunouze atp pu11 a it? I 1sazOfui Atu ut saurtia iiu11 Jo aatiou a 0111 of it111u zo zanijap ITTM zapiof aloN °QL saueg3 Jo aajloN (d) ure2e sauega luouzAed Aigiuouz Aui jo lunotue agf'pun MU auegj alp za2311 awl) wow/Cud iiiijiuouz isztj aqi uo 2utuui2aq luauziied iiigiuocu Mau iiuz jo iunotue aqi ,i11d HIM j °aieQ a.uliD gaea uo antiaaJJa =wag TITAN a111z isazaiut Mau XJAI saueg3 Jo am anlaaaJJa (a) °a111z Isazafu! 111U1 atp 111141 ssaj aq zanau jjiM am isazaiut AIN (9) ;awl' umurtum„ °I 1 p003 ST tioTtiM `oh 0SL8' 8 uegi ssaj aq zanau ij!M 01ez Isamu! AyN (S) Fri „°0ie21 UTniutxeyN„ alp POjiea st 40!4M 0 SL 8 S l uegi zaiiaz2 aq zanau !UM 01e1 isazaiut (j') pouad 2u1paaazd alp zoj 2uiAed uaaq aneg I isaIOIUT jo am alp wag 000S' l (s)iuTod a11fu0azad lIeH -eup pue aup ue azout ,iq ma a8u114D ag I Au11 uo pas11azaap JO pas11azmUT aq zanau HIM am isazaiut AyN (E) }uenbasgns 0SL8' 8 Ueg1 ssaj zo o SL8' L t mill za2e0z2 aq loll 'pm aieQ au114J isiij agf 211 pied of pagnbaz um I am lsazalut o u. (z) °sauei° aiez isazaiui uo ltunj uznuznxeuz ou aq 'gm wag" (I) (•saNunga uo mull uinuitxutu ou aq !!IM a.iagi •pa}paga s! xoq ou j! :saxoq ap 1 zdoJdde lamp amid) aleg Isa.1aluI uo sl1uut' (Q) •luaulArd i g1uouz iiuz jo iunouze Mau alp aq Him uouejnaiea stgl jo jnsoZ Oti,I sluou1Aed ienb0 Aii11uu11isgns uT aiez isazaiut Mau ie aieQ Alp alp uo jjnj u1 aieQ a2u114J agf n aMO of pafaadxa U1e 11eg1 i11dtauud pt11dun alp Ardaz of fuatat33ns aq pinoM fegi 1uatuArd Aigluoul 041 JO lunouze 041 auTU.ualap 11041 'pm iapjoH aioN alp `anoge paptnozd se aiez isazaiut Mau Aux 2unijnajea za13e `pouad uoIfeztizocue alp zod pouad ifjuo- isazaiut aqi za1Je pouad aqi st „pouad uo1111ztizowle„ 041 •ivaulArd I g1Uoul Iiuz Jo lunouze Mau alp aq 19m uotfejnaiea 5141 Jo ijnsaz 041 °u11oj AU1 jo iedtauud ptedun agf uo sanzaae gat4M isazaiut agf A11d o1 1uaTaJJns aq pjnoM 11142 luatuA11d Xi4luouz alp Jo iunouz11 041 au!UZlalap uagi II ?M zapjoH a2oN a41 `anoge paptnozd s11 am V 9 emus ns -w X IXI X x T?;0Z480 0 SP? 2021 -899U (9701) Page 4 of 5 B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 17 of the Security Instrument is amended to read as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. Lender also shall not exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by applicable law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender also may require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full, 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 delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 649 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained this Ad ustabl ate Rider. (Seal) E R JAMES CA HO Borrower S SAN RAE CACHO (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower -899U (9701) Page 5 of 5 (Seal) Borrower 5 (Seal) Borrower