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HomeMy WebLinkAbout871757LO /L L90E LuJod ££S88bZOtO dt►0 -dtt88 'PlUTA1 (888) "P1 `9ZOZ I AI `lucid `9ZOZ X '0'd 3o iaqumu auogdaial pue ssazppe ue seg pug 'aJeMepU 3o mu! gig Japan 8upsixa pue paziuz8io Si S2IgFv •;uatunalstq A ;tanoag sigl aapun aa3u8laoui aql st maw •su8tssu pue s1ossaoons s,zapua'i pug Japual Jo3 aautuzou a se Slops Supoe si legl uogezodzoo algzedas a st `stuatsAs uottuJls!2oli otu01loola a8e8tioj si ggapv„ •luauttulsui Alunoas sigl Japun Jo8u2tzotu alp sr zamozzog t00Z '6 '9i uopoaS ut papiAo1d osie azg luautnoop sigl ui pasn spxoM jo a8esn agl BuipieBaz saint uielja- 1Z Pug OZ '81 'E1 I I suopoos ui paugap ate spzoM zaglo pue Moiaq paugap axe luamnoop scgl jo suopoas aidtlinui ui pasn spJOM T££S88tZOtO8Et000T rlly�[ gat) 11DVd &J t r T 31008 SNIIIOAM 1- 3W V3 I c3311 '.)V, 3NN\f3r 86:3 WV a tali 10 ?If310 J,.i.Nf1O,) N100NII UDVOLHOIAT SH3IN H1IM 1N3LNnH1SNI INHOEINf1 oeW elpp °Jd /aeI/ aluued- AIILUed a1 egTM pus pusgsng 'xo3TTM •'I sans pus xooTTM •g TesttOiy;, st „aaAMoaaog„ (g) •luaumoop slgl 01 siopRI lie g1iM zatgo5o1 Law nigedpalep si tiatgM luauznoop sigl sueaUZ „;uatuna ;suI ,f;ianaaS„ (v) [Blea .104 aun[ sfgy aeogv aaedS] LSLIL8 L6ZL SIAIE104 29\1011101N dWA 5 L Jo t 86ed 1015000) (AMv9 SNOI.LIINIIdaa S£OL6 uo29a3 'o3aMs0 ame7 SSZ a;! S 'ARM asna)I MS OSSb auI lu1Pung a3e8 ;iO}t[ Uioduaaa0 :,cg pa1eda1d 6£6176 uluaome3'andsvUZ IOI a;mS'alma Suipun andoiau7 0011 •3U '8uipun3 a8u8;aoyti lu[oduaaa9 :01 tunlag 8T£t1TOTO %AI (D) "Lender" is GreenPoint Mortgage Funding, Inc. Lender is a corporation organized and existing under the laws of The State Of New York Lender's address is 1100 Larkspur Landing Circle, Suite 101 Larkspur, California 94939 (E) "Note" means the promissory note signed by Borrower and datedFebruary 9, 2001 The Note states that Borrower owes Lender One Hundred Two Thousand Four Hundred and 00 /100ths Dollars (U.S. 102, 400.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than March 1, 2031 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (II) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider Balloon Rider VA Rider BHAP -04P 6A(WY) (0005).01 Condominium Rider Planned Unit Development Rider Biweekly Payment Rider (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. Page 2 of 15 Second Home Rider 1 -4 Family Rider Other(s) [specify] 0 89 f 0102488533 Initials:�� k� Form 3051 1/01 LO /L 1.90£ (mod Y/ /3 EES88tZOTO 060 9 L to E e6ed 10 (s000) (AM)t/9 a) d60-dYEKI Auadozd igaz 2uuanoo luatunzlsut iCljznoas uuoJiun s alnlllsuoo of uotlotpsunf dq suoilstzsn palnuli gutM slueuanoo uuoJiun -uou pus asn luuotlsu zo3 slusuanoo uuoJiun saulgutoo Lip V1f1?ILSNI ALI?IfIOdS SIHI •pzooaz jo saouszqumoua Aus of loafgns `spustuap pus suusio its lsulg2s Auadozd agl 01 app ag1 AIiuzaua puajap !!!An pus sfususM zam0zzog •pzooaz jo saouszqumOua ioj ldaoxa `pazaquinouaun sl Xuadozd am Ism pus Auadozd am Aanuoo pug luu `a2sSuotu 01 1tl2cz am suq pus paiianuoo Agazaq alelsa aq1 Jo pasias SiinJMgi st zaMOZZOH lgt]3 SINVNdAOO ?IiMO?RIOH luatunzlsul Allznoas sup 5ui[aouso pus 5uisgaiaz `01 palms!] 1ou 1nq `Sutpniout zapu3J jo pazinbaz uotlos iius avl o1 pus :,Cuadozd am !las pus asoioazoj 01 1ggu aril `01 palms!! 1ou 1nq `utpnioul 'slsazalut asotp Jo HE JO Cue asiozaxa o1 :1g2iz am suq (suSissg pus szossaoons s,zapua-I pus zapual zoj aaunuou su) S?IaIs `umisno zo Mg[ tI1iM ,Cidtuoo 01 AJussaoau 3t `lnq luatunzlsul Allinoas sun ut zamozzog ,Cq paluez2 maim! am 01 ailp ]sSal ,iiuo smog SUdYnt Ism saazfu pus spuslszapun zaM0110 „luadozd„ am sr luatunzlsul AllznoaS sail ul 01 pazzaJaz si 2utoWazo3 at[3 jo !iv •luaumzlsul AlunoaS sun ,iq pa /onoo aq osis Hugs suollipps pus sluatuaosidaz [I`d •Suadozd aq1 jo usd s zakIsazaq JO Mou saznlxg pus `saousuaundds `sluauiassa its pus `Auadozd agl uo papaw zaljsazaq JO MOU sluautanozduu atp Iis HIIM ?IMMO! „ssazppv iivadozd [apop dEZ] OTT E8 2ulutoAm [AID] uoq ;y [taass] TbZ ABMK 'S'II SECT Jo ssazpps aq1 ssq Apuazzno golgM OOTZEO0 QI ]ao d •;oaiatl 4asd epstu pus olexeq petjosq ;s „y 1 1Tcutpca uT pegTsosep J TssTnoTassd e.zout sy [uopoipsunr Smpiooax jo aut9H] [uoporpsunf Sutplooaj jo adAS] UToouTZ JO S4unoD am ul palm! ,ivadozd paquosap 5 ulMOilo3 am `ails 3o zaMod glIM 'pow Jo sualssu pus szossaoons ag1 01 pus (su2lssu pus szossaoons s,zapua-I pug iapuai 10J aaunuou su /Claps) S?Igysi 01 AOAUO3 pus 1uez3 `a3s2uom Xgazaq saop z3m0110g `asodznd sun zod •a10N am pus luaumzlsul AlunoaS sun zapun sluatuaaas pus Slueu1A00 s,zaMOZZOg JO aouguuojzad OM (II) pug :010N am 3o suonsoJlpoum pus suoisuafxa `sismauaz ]is pug `ugo1 am Jo luatuhdaz ag1 (i) :zapuai of saznoas luaumzlsui Iiuznoas sig,I, A,L?Iddf?Id HILL I II SIHOI?I JO ?IddSNV?II •luatunzlsul /illznoas sup .10/pus alol i ag1 zapun suolls s,zaMOZZOg patunssu sgg /Cued 199111 10u JO zatllagM quadozd at11 01 ai1!1 ua)1el suq 1sg1 A1zsd Pius scum „aaMoaaog jo ;salami ul .tossaaans„ (a) ors V UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts 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 BBAP -04P C- 6A (WY (0005).07 Page 4 of 15 Initials: ill" L✓. 991. 0102488533 Form 3051 1/01 Lo /L- L90£w ££5886ZOTO F66 ri 9 L {o g eeed Lo'(g000) (AM)119- riarAJI dto -deal at1 u!A3puapt aotlou g 1 M0110g aATW AEm .Iapuai luamnjlsut A3unoas stgl JOAO Aluoud Ursue uuo gOttm uatt E of ioafgns st Apadoad aq1 jo tied Sue mg) sauruualap Japual ji 'luamnjisut Slangs sun 01 uati aq1 gurieutpiogns japun of Ajo1OeJstiss ivamaoige Ue uart atu jo japtoq ail moju sajnOas (o) .io :papn)ouoo are sSurpaaoo1d ions 'pun Siuo lnq '2utpuad ajs sgutpaaooid asogl apgm uatt ag1 jo luatuaaiojua ail 1Uanauf of aieiado uotutdo s,japuar ut tottp s2utpaaooid 1E$a1 'ur uatt at3 jo luatuaaiojua lsurege spuapap j0 `icq guej pool ut uatt aqi slsaluoo (q) :luatuaaJRe qons Surmjojjad st iaMO.uog SE 2u01 os Aluo inq `aapuai o aigeldaom jauugm a ut uait aqi Aq painoas uotle2rtgo aqi jo 1uatu ed ail of Wutlt.tm 11t saaj$e (g) :jamoUog ssatun luatun.tisul AlunOaS sup jano Aluoud sett gargm uari Cu ,e a2.regosrp Atidmojd Hugs jamo1Og •t; uopoas ut paptnojd auueut alp ut magi Sed Heirs jamonOg 'suzail mama am slum! asagi legs wawa am oJ, Sue jr 'sluatussassy pus 'saga 'soma uotlEroossd iC1tunUZtuo3 pue 'Sue jr `Auadojd att1 uo swat punoj$ .io sluauiiCEd Notional `uuamtuusut Saunas situ jano Aiuoud urslie UEO trorgM Spada'," Ti a of atgelnquue suotusodmr pug `sauu `saa.Ego `sluamssassg `saxes tie Aed !legs .I M0110 'man !saSarg3 •b •1apuaj icq Nag spund Aug jamo10g 01 punlaj Apdmoid !lets japua-t luatun.tlsul Slangs srgi icq pains stuns tie jo tin; ut luauagd uodn •s1uatuSed Algiuotu ZI Uetl a.101.11 ou ut lnq 'ddS 1 1 t11M aouepj000t ut iSouatoljap aul dn alga! 01 Anssaoau lunoure aqi japuai of iced !legs jamof0g pue `vcisau Sig pajtnbai se jamof0g AJt1ou pits japuai 'ddsgg japan paugap SE 'MO1OSa Ut plat spund 3o AOUatogap a sr a1 L(1 jt 's)UamiEd icjgluom ZI tregl ajom ou ut lnq `ddsglI t)tM aotrepj000s ut aSepogs aqi dn aqeur o1 Anssaoau lunotus alp npua7 of Sed !legs jaMOUOg pue `vdS32I Sq pajrnbai se iamonog Aplou hugs japua-t `ddSgg japan pautJap se `M0j3sa ut Nag spung jo aSEljogs a st ajatl JI •VdSall giim aOUSpjooOE u! spun] ssaOxa alp 10j jaMO.uog of luno3OR !legs aapua1 "crdSg11 japan paugap se `mojosa Ur piaq spund 3O snldans a st pimp ji •NdSg2I Aq pajrnbaj se spund at!) 30 gur1un000R lenuue ue 'aIjego 1nogl1M 'jamou0g Ol anr2 Hells japua-I 'spUna aqi uo pied ag !legs !small!! 1g111 `1anaMOq aaffe Imo .Iapua'1 put? jaMO.uog •spund at1 110 sSuttu1a j0 lsajalur Sue .10MO.uog Aed 01 pajinbai aq sou !legs japua-t 'spund agi uo pred aq of lsaja)ur sairnbai MsZ alggOrtddd 10 2urium ur apsm sr luatuaaI 13 ue ssatun •a2Jego E Lions a3lem 03 japua1 Swum"' mg t alg1Otlddy pue spund ail uo 1Saja1111 jaMOUGH sAgd japaa 4 ssatun `stualI MOIOS3 agi gut/CR.19A 10 lunoors M013S0 all SutzSreue A!lenuue 'spun3 alp SurAldde pue 8utpioq joj aamouog ag.rego 1011 !legs japua1 Nasal' japan pagroads auip aqi um Jaig! ou stualt Mojosg mil Asd of spund ail Aidde !legs aapuaa •3lueg ugo-t amo1 reJapaa Aug ut jo (pajnsut os aje sltsodap asogM uotlnlrlsut ug sr japua7 jr `japaa-! Sutpnj0Ut) Alpua 10 'A1rjE11101utu1sut `eioua2e teJapaj a Aq painsur aje sltsodap aso1M uopnlgsUr ug ut Nag aq !legs spund atu algeotrddd Crum aoUgpjo0Og ur astMja1IO jo smart mo1OSg ajnutl jo sainupuadxa jo salemrlsa atgEuoseai pue glee )U011R3 3o sisgq ail uo amp spun3 Jo iunome alp alemilsa !tugs japua4 •ddSgfl japan aarnbaj urea japuat g uunotug mnmtxgm alp paaoxa of 1ou (q) pue 'ddsali japan pap!Oads amp ail le spund aril Siddg 01 japuaj ituiad 01 luatO(JJns (e) lunoure uE ut spund Nog pug loatt0o `amts Sue le `Aem japua-1 uotlOas sun japan pairnbaj trail 01g leg) 'siUnOtue Lions ut pug 'spun3 Qe .10pua4 o1 Agd !lugs 10M0110g `uotlSOOAOI Irons uodn `pus St uorlOaS gum 00Ugpjo003 111 uanr$ aotio11 t Aq amt! /CUP 1s small Mojosg tie 10 AWE 03 SE janteM agi a3lonaj Amu japuaj •iunotue Irons Sue japua o1 Aedat 01 6 uor1Oas japan pa3e2tlgo aq uag1 imp IOMOI.tog pus lunoure qons Sed pus 6 uor3OaS japan slggr1 slr astaraxa Stem japual `mall Mojosg ug J0J amp lunoure 0341 Aud 01 sue jaMOjjog pug `j0n43M E 01 iugnsjnd 'Apoajip smolt mojosg iced 03 pa1E2r(g0 sr jamo10 3I •6 uotloaS Ur pasn st „luamaalSe pug lUeuano3„ assjgd am se luamtulsul Aiunoas sup ur pau1Eluo3 3uamaaaE put; itreuanoO a aq 01 patuaap aq sasodjnd tie j0j tregs s3draoal aptnojd 01 pug s3uamred irons alum 01 uot3E2rtgo s,jaMOI.log 'gimbal Amu japual se pouad amt3 tons urimm luamiced qons Sutouaptna sidtaoaj japua-t o1 gsrtunj !teas `sajrnbai iopua7 3! `pus japuai icq pantRM uaaq seq spund jo luamAed gorgm joj small m0josg Aug zo3 amp 1n R vLy lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with BBAP -04P 6A(WY) (000501 Page 6 of 15 Initials: k it) CI La.) 0102488533 Form 3051 1/01 G93 LOU L50£ WJOJ ££588i+Z0t0 1'60 v J'j :steglui 5 L !o L eBed Lo (s000) (AM)d9 dt0 -dYSS algguosgal surfed (o) pue `lino ui 2uueadde (q) `.luauinllsul Alunaas sigl Imo iiluoud seq goigm uatl a painoas sums Aue sui Md (e) :ol pauwq lou ale lnq `apnlou! ueo suopou s,lapua1 •Auadold agl $up!Edal Jo /pue suunoas pug quadold ag13o amen alp 2ulssasse 10 /pue 2upomoid 2uipnloui luauinulsul 'lunoas sigi Japun sig5u pug i(uadoid aql ui Isamu! s,Japua -I loalozd of aleudoidde Jo aigguoseaz si Janalegm 1o3 pied pue op Sew Japual uagl `Auadold aql pauopuege sett Jamouog (o) .io `(suot1g1q01 Jo smel aZJojua 01 10 luaunulsul /ilunoas sill JOAO ti1!J0!1d uzglle Amu goigm uaq g 30 luauiaoloJua zo3 `alnlia3JO3 Jo uoueuUiapuoo Jo3 `alegoid `Soldn.ixueq u! 2uipaaooid R se qons) IUauznUlsul Alunoas sill .aapun sig2u .zo /pue iivadozd aq1 lit isaialut s,.iapual page Apueogtusts 1g2tui leg! sulpaaOOJd IR2al R s! alagl (q) luauzzuusul Alilnoas still u! pauieluoo smaumai5g pue sluguanoo all uuojlad o1 slie3 JOMOIJOg (g) 3I •luaumalsul ,flumes sag; aapun slq;Il2I pug £laadoad aql u! lsaaalul s,aapual 3o u011paload •6 •aouomsaz ledpuud s se AuadoJd all jo ,iOuedn x o s,lamoziog suiulaouoo suopeluasaidal `ol paliugi lou aJe inq `apnput suotleluasaldal Isualuyni •uuo-I all glim uouoauuoo ui (uotleuuoju! leualeui tpIm 1apua l apn0ld 01 pal!e3 Jo) zapuaJ 01 sluaUialels JO WWM 11110311! ale1nooeu! Jo �utpgalslizz `as1113 illeualutu ana luasuoo 10 apalmom s,J0m0110g 1111M J0 Jam01JOg 3o uopoalip 0111 lg sutloe saimua 10 suoszad Aug J0 1amo11og `ssaoozd uol1EOildde ueo7 all suunp `3! llne1ap ui aq !lugs Jamo11og •uoilgailddv uso7 s,aaMoaaog •8 •asneo alquuoseal guns Supcjpads uouoadsu! 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Aug 01 sl12U s,lamoJlog (e) Japuarl of su5!sse Agalaq Jamo1zog `asimiaglo Jo ZZ 110i13OS Japun Spado1d all salinbou Japua' 3I 10 lima Jaglta 111 •uant8 s! aoilou aip uagm u!Saq Him potlad Sup-0E 0 111 •uqup 0141 aims pug a211ilo2au Amu 1Opua1 uagi 'unglo g allias 0i pa1a33o sett 1ai111O aoU11Jnsu! 0111 111111 Japua1 mat aotlou a 01 s&Cep 0£ uiglim puodsaJ 1011 saop JOm0110g 3I •s1a11RUi pomp.' pm uz!gp aouelnsu! alqulien11 Aug alms pug alenoSau 'am Amu JapuaJ `duadold all suopuegq 1amollog 3I Z uoi1Oas u! Jo3 papInold Japmo ag1 u! paildde aq hugs spaaoold a1Uelnsut gons •10MO11011 01 p!Rd 'Aug 3! `SSO3X0 0141 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. 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Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. BBAP -04P 0102488533 niUa�s: #e if) CDO -6A(WY) (000501 Page 10 of 15 07 LJ Form 3051 1/01 1 L0 /L L90£ wuoI .9 1 y4' :st mud ££S886ZOTO 866 S L to L L e6ed L0v4000) (AM) t/9 tz d -dYSS VdSg2I uopguuoJut iaglo ,fum pue aputu aq Plnogs sluautAed trulm 01 ssaippe aq1 `iaotnias ueog mat alp Jo ssaippg pur atumu ate awls 1ltm gotgm a8urgo zip Jo aotlou oakum rants aq Iltm iamo.Uog `zaOtnias ueog ag13o a8urg0 u st mate 3I •a1oN ate 3o alts u o1 pawlaiun =was grog aL 1 Jo sa2umgo aiotu zo ago aq ig8nu ow alma mrg alquotlddy pur luauttulsul Aitinoas sup 'a1oN aq1 iapun suotw8tlgo Bu!Otnzas tueol a8e2iotu zaglo suuojiad pug 3uatunnsul A2un3a8 sup pug aloN ate iapun anp s1uauard 0tpouad s10ai1o3 legl iaotnzas ugo-I„ alp sr umou30 Slum agi ut a8uutp a ut llnsai lg8ttu ales y i0mou0g of aotlou .rood moult/it saute aiotu io auo P1os aq ueo (luaumu2sul Alunoas sup tp!M iagia8ol) a1oN aql It! Isamu! lgtligd r io 010N at1,I, •aauunauf Jo aatloN :aaatnaaS ueoZ JO 0811m13 :a1ON JO a1 S '0Z •8i uoppaS .tapun uoprzalaZor Jo am aI11 ut ,C1ddu iou pegs 31e1sutai 01 1118u SIM `ianamoli •paun000 pug uoperia00e ou 3t sg antloaJJ3 /C11t►3 utettai i1egs Agaiaq pains suopapgo pug luatutulsul IC1tmOas sup `.1amouog Ag luautalelsutat uodn •IaJsuuiy spund 3tuoz2oalg (p) io :Aiwa io 1iltleluau1nilsut 'briar lriapaj r Aq paznsut aig slisodap sot uotlnitlsut rue uodn umuip Si 310ag0 gons thug papinozd 'raw s,iatgsuo io pogo s,zainseaii 'patio 31urq `310ag° pagtua° (0) :zapio buouu (q) :gm (e) :iapuag sq paloalas se `suuoj 8utmolloJ at 1 Jo aiot1 io auo to sasuadxa put: sums 1uatualelsuta.t gons ,ird iamouog trip aunbai hut iapuag •pa8ugg0un anupuoo 11egs luatunilsul 'lunOas sup Aq pamaas stuns alp dud 01 uopg8ggo s,iamouog pur luatutulsul Ammon sup zapun slg8u pug Auadoid alp ut warm! s,iapuag rip ainsse o1 attnba.t Alquuosuai Metz zapuag sr u011oe gons sa31r1 (p) pur :3uatutulsul Alun0as sup iapun slg2u pur A1adoid aq1 ut 3sazaiut s,iapuag 8uppa1 jo asodznd alp zo3 paunout saaJ Jatllo pur 'saaJ uopunlgn pug uotl3adsut 1Ciadoid `saa3 ,sifauzoiw algeuosrai `01 pump 30U inq `8utpn10ut luatunilsul Allmon sup 8utoioJua ut paunaut sasuadxa 1[e siCgd (o) `sivatuaaz8r 10 sluguanoo Jatllo Aue 3011ngjap ,Cum samo (q) :paun000 pug uotwzaJa00m ou 31 se aloN all pug luaumi1sul JlunoaS sup iapun anp aq P1nom taut gotgm stuns lug zapuag shd (g) :zamouog lugl aim suotltpuoo asota •luautnzlsul Suntan sup ButOZOJua ivauz8pnf g 30 ditto (0) io :alelsuta1 131 1g8!1 s,1amouog jo uotiruttuial alp .toj jt0ads 318ttu mui alge31lddy sr pouad zagio gons (q) `luatututsul Allmon sup ut pautgluoo airs 3o zamod ,fuu of turnsind iivadoid atp Jo ales azojaq shp anti (g) :Jo Isailiea am 01 zoud at111 Ifue le panutluoostp luatututsul i(itmoas sup Jo 1uatua3ioJua angtl 01 1118u alp anug pugs iam0110g `suoptpuoo utuua0 slam iamouog 31 •uo1lt;aalaaay Jolly a3e1sutag 01 lggni s,aan4oaaog '61 •iamouog uo pturtuap JO 09110U =pug lnogltm ivatuni3sui Ait.moas sup sq pallor tad satpautat Sur a3lonut /tutu iapuai `pouad sup 3o uonrztdxa ate 01 loud stuns amp Aud o1 s11r3 zamo.uog 3I •1uatunzlsul Allmon sup Aq pains stuns 1tg hd Ism iamouog tlotgm utgltm SI uotloas glum a01.1gpz000r uI uant8 st aotlou ate atop alp 1uo4 sump p£ tarp -ssal toll JO pouad u aptnozd hugs aotlou at1,I, •uotwiapoor 3o aotlou JO/110110H ant8 Ilr11s iapuag `uotido step sast3iaxa iapua' 3I .mrg aigg011ddy sq paiigtgoid st astOiaxa tons It zapua-I sq pasiOZaxa aq loo hags uotido sup `ianamog •luatufIIsul Altznoas sup dq pain0as stuns pr jo IIn3 ut luatuhd awupatutut aunbai /Cm iapuag `luasuoo uautim load s,zapuag 1nog3tm (pauaJsttui3 so P1os st zamouog ut lsaialut lgtotlauaq a pug uosiad Timm a Sou st iamouog 3t io) pauaJsumil io Puts st Auadoid a111 ut lsasa3ul Aum so Suadoid MO jo uud SUE 10 Ife 3I •iasrgOind r 01 awl) ainlnl a 1e iamou0g Aq app to zaJsueil agi Si 110tgm l0 want! ate luatuaai8e mo1OSa JO 30r13UO3 sales luautllrlsut `poop iol 10ri3uo0 pap ioj puoq a ut pauaJsuuii ma'am 1rtogauaq asogl `01 pautup loo inq `8utpnlout `AUadoid agi ut Isaialu! 1rt0tlauaq so 1g8a1 Sur sueatu rC1.I doid aql ut isaialul„ `81 uopoas st111 ut pasn sy •aamoaaog ut lsaaaltq luptlauag 1i 10 Alaadoad aql to aalsu1a,L •81 •luauutu3sul 1C31m3a8 sup to pur a1oN alp to Ado0 auo uant8 aq 11ugs zamouog •,fdoD s,aatioaaog •LI uopan ,fur a31r3 03 uotlr8tlgo Cue lnogltm uopaiost■ alos sant8 „zfuul„ piom aq1 (0) pug :man aOtn pug 1einld aq1 apnlout pug maul i1ugs irin8uts am ut spiom (q) `.zapua8 aututtual alp 3o spiom so spiom zalnau 8utpuodsauoo apnlout pur maul hags iapua8 auilnOSrut alp to spiom (e) :luautni3sul iClunOas st111 u1 pasn sy •uotstnoid 8up3pluo0 ag1 lnogltm papa u0n48 aq ug0 tl0tgm a10N am io luaumusul AiunOas sup 3o suotstnoid iag10 rang 1ou hugs 1o113uoO gons `mug algrotlddy glum s10iiJuo0 awl alp so 3uatunz1SUI 'C1un0aS mil to asnrl0 JO uotstnozd Aug legs loan aq1 uI lorutto0 sq luautaaz8g isutr8g uotltgtgoid m sm patulsuo0 aq 1ou Hugs aoualis wits Inq `1ualts aq 10ttu 11 io 10ri1u0D sq aai8r of sorbed aq1 mo1ie ifpto1ldtut so Aptogdxa i1121tu mug alquoilddy 'mug a3gR3tlddy jo suotleltuu1l pur sluatuaztnbaz Ate 01 1oafgns air luatutuisul 'tunas sup ut pautgluoo suotw8tlgo put sigsu IIy 'pamol st Auadoid aq1 gptgm ut uopotpstinf a111 jo mgt ate pre met lezapaj sq pauzano8 aq 11mgs luatunzlsul A1tin0a8 situ, •uo11analsuoD jo sauna :,iltltgeaanaS :mug 8utuaanoD •9T U .gyp yr.1 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. BBAP -04P 0102488533 Initials: if4 (4) d u� LM, -6A(WY) (000501 Page 12 of 15 Form 3051 1/01 099 L O /L L90£ wJod ££S88bZOT0 00T 4LiOCLe6ed LO(e000) (AM)Y9- (410) dt.o -dyaa iultuoAm jo smei uotlduzaxa pealsautoq 3141 jo anutn pue .zapun slugu jig santem pue saseaiaz Jamo.uog •saanteM •I z meZ a'geotiddd zapun pantuuad st aaj alp jo autazego aql pue paiapuat saotnaas ioj Al.tgd pip a of ppd st aaj aq1 jt /cm lug `luauznalsuI'ClunoaS stgl Vutseaiaz JOJ aaj a 1amotiog aatego iieut .tapua'i •slsoo uotleplooal ,fue lied "[TITS 13MO11011 •luauttulsui Sigmas stgl aseapi hogs .iapuari luaLun1lsui 'ivanoas sup Aq patnoas sums lie jo luauzAed uodri •asealau •£z •;t o; pai;tma ,fiie2alsuosaad ao uosaad aq; o; ssaaxa Sue (a) pue f;uawna;siq £;tanaas stq; St; paanaas sums He o; (q) !saw ,s,fauaoa ;s aigeuoseaa 'o; pa ;tort' lot lnq 'gut 'ales 3141 Jo sasuadxa Iis o; (e) :aapao Sut,MOIIoJ 3142 ut patidde aq Hugs ales 3142 jo spaaaoad a1J *ales ,foe ;e S;13doad 3141 asegaand Sum aauatsap s ;t so aapua' •Merl algeattddy ,fq pagta3saad aauueut aq; ut nos aq Hugs £laadoad 3142 putOalss Jo aat;ou aq; gst'gnd Hurls aapua'] •Sj not ;aas ut paptnoad .I3 UUOw 314 ut aaMOaaog o; ales aq; Jo aat;ou anti Hugs aapuarl •M81 a'qu3gddd q ;t t aauepaoaae tit ';uaaa33ip JI 'Spadoad 3142 jo uotssassod ut uosaad aq; o; pue aamoaaog o; asopaaoj 03 maw; Jo a3t;ou anti Ilogs aapuarl 'aims Jo aaMod 3141 sa4onut aapuarl JI •a3uaptna app Jo s;s03 pue saaJ ,sifauaolle aigmuoseaa '01 pa ;tun' 1ou 3114'Sutpnput 'zz not ;aas stq; ut pap;Aoad satpawaa aq; Sutnsand ut Raman; sasuadxa Hu papa o; pal ;t;ua aq Ilegs aapuarl •MeZ alge3t'ddv ,fq pa ;ttuaad satpawaa aaq ;o Sue pus aims Jo aaMOd 3142 aMonut Sum pus puOwap Jaq;auJ ;flog ;tM ;uauma ;sal ,f ;tan3as stg; sq paan3as sums tie Jo imJ ut 1uawSed a;mtpaunut aatnbaa Sum not ;do s ;t ;e aapuarl 'a3t ;ou 3141 ut pa13iaads a;up 3143 aaoJaq ao uo paana ;ou st lIne;ap aq; 31 'ales pue not;eaaiaaae o; aaMOaaog Jo asuaJap 1311 ;o Sue ao ;IneJaap 13 Jo a3ua;stxa -uou aq; passe o; immix 311103 s 2utaq o; ;qua aq; pue not;eaa4333e as ;Je a ;e;sutaa o; ;qua aq; Jo aaMOnog umoJut aag;anJ iiegs a3t ;ou aqy •Spadoad a Jo ales pue ;uawna ;sal ,f;tan3as stq; £q paanaas sutras 3143 Jo not ;maaia3ae ut ;Insaa few a3i;ou 3143 ix; pa1Jt3ads amp 3142 aaoJaq ao uo ;IneJap aq; aan3 0; aan't8J ;mg; (p) pue :paw aq lsnw ;Inojap aq; g3t1M ,fq 'aamoaaog o; ua/43 st a3t ;ou aq; a;ep aq; woaJ sop 0£ ueq; ssal ;tau 'amp 13 (a) f;IneJap aq; aan3 0; paatnbaa not ;3s 3142 (q) f;ineJaap 3143 (e) :,fJpads Ilsgs aat;ou a1I •(astMaaq ;o saptnoad MOT aigeatiddd salon gj uot;3aS aapun uoi;eaaia338 o; a011ad ;011 ;nq) ;uawna;sul d ;tanaas stg; ut ;uawaaa &e a0 ;ueuano3 £uu Jo g3eaaq s,aaMOaaog 2 utMOIIoJ u0t;0aaia338 o; aotad aaMOaaog o; a3t ;0u 3A4 new aapuarl •saipawag fuopmaata33d •zz :SMOTIOJ SO aatge pug lue113AO3 1agl.tnj aapua'i pue .taMODO SINVNaAOJ 1' 1OdINf1 -NON Witnesses: (0- 6AIWY) (0005).01 Page 14 of 15 101 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. (Seal) Michael R. Wilcox Borrower C/4 Ls ,to (Seal) Laura L. Wilcox Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower -Borrower (Seal) (Seal) Borrower Borrower BBAP -04P 0102488533 Form 3051 1/01 LO /L L50£ WJoj ?OT ££S88tZOZO :ss Alu noD 9 t !O 9 t e6ed to(e000) (AM)V9 d60 dYSS C O /6 :saztdxg uoisstuzuiop AIN xo3TTM Sang pub xo3TTM Z9gttoiyl Aq sigl aui azojaq paSpaimotnim szm luaumzlsut 2u!o5azo3 agj. uo491 `ONII^IOAA1 JO Z.iviS F.trF.4 W)••∎∎(•i EXHIBIT "A" Thac part of Che SE1 of Secciou Z4, rJ1N,.K1t,w, 1.>incoLa t;ouucy, Wyoming, being part of chat tract of record la the office of the cluck ofl.iuculn County in tluuk 93 of phuco cncic records on poga 288 descrlptlou 46 tallow:: 103 Nl•'C1NNCNC ac the northeast cucner of chc 51:4 of said Scotian 24. found Nu Juercribed In the Certified (-mod Corner Recordaciou Certificate filed in the said Office; thence S 00'- 04.2'W, 450.00 feet, along the east Ilse of said Section 24, Co a P -K nail within the right of-way of Scare Highway 241; thence S89'- 47.7'W,40.00 feet, parallel to the notch line of said SI:t. co a point under an existing right- of-way fauee for the Auld Highway; thence continuing S89'- 47.l'W. 347.20 fare to a paint; thence H00 04.2'K. 450.00 feet. parallel co the eauc linee at raid Section 24, to a point on the north 11ne of bald SEF; thence N89'- 47.7'E, 347.20 feet slung the said north line, to a 14" lean pipe under an existing right- of-way fence for the said Highway; Chcuce, cooCtauing N89'- 47./'1. 40.00 teat to the CORNER OF $tGlKtttNC Encumpaseing an area of 4.00 acres. more or less;