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Home My WebLink About871140LO/I. 690£ wwoj 9SZ6SZ000T 'SJIHIAI 6L9 (888) 'Ial `9Z0Z I0S8b IYi `iuiid `9Z0Z xog 'O'd 30 laqumu auogda[aa pug ssaippg ug nil pug `aIeMU[au Jo smut agl lapun 8upsixa pug paziug8lo si •Iuauinaisui Si]anaas s]qi aapun aa2B2paoui aqi sI s?IJni •sugissg pug slossaoons s,Japual pug Iapua'j 103 aauluzou g sg Amos 8u st Imp uoTlglodlo3 alulgdas u st slow .out `suialsAs uopg11sl2ag oluolloa[g agg2uoj sI „swam (0) •luaumllsu] A1unoaS sup lapun 1o3g81.1olu ag1 st 1aMO.uog e3 TM pus puegeng ddirtS Z euuoa pug y s[aem si „aatoaaog„ (g) •luauinoop sup 01 slam Im tll!mi 1ag1a8o1 t00 Z '6 Z dannugr vamp st gotgM luauinoop sup silvan „;uauin.iisul Sitanaas„ (v) '9i uopoas uI papinold os[u O1g luaumoop sup uI pasn sp1oM Jo a8usn alts 8utpiu8a1 sap.' ulgua0 •It Pug OZ `8i 'E1 `ii suopoaS ui paupap ai spioM laglo pug Molaq paupap an luauinoop sup Jo suoiloas a[du[nui ui pasn spioM LLE :euoyd SII301 Z -6Z 19900001- BEZ000L :NIW T aDdd ?Id rev., IOM JNIWO) M 'ell :301!(>13}1 JJ',1SV 13IhNNV3r SZ 0I14 S +Jj 10 N8310 A.LN0 03 N 100NI 03/11303 d NIYN h SHIN NlIM 1N31Alf1H1SNI WHOJINfl oeIN elppea3 /eelN eluuej- Allwe3 al EDVD L2I01}1 [BM pulpaoaag ao3 am7 spiv aeogy aaedg] L6ZL 4NA epWl 9 L ;o L efed 10'190001 (AMIlf9- 6T6ZO III 'eouepTAoad Bess 'geeagg uepaor OS T0S6Z aS 'eoue:zo -,d 'eniaa eeiadielug OTZZ 969Z-rid-DS Idea ooa o'm O➢Qat :oj, uin1ag SNounsildau e5T2.64.xopi leeTA gig palgdald 16 (D) "Lender" is Fleet National Bank Lender is a nationally chartered bank organized and existing under the laws of the United States of America Lender's address is 1333 Main Street Columbia, SC 29201 (E) "Note" means the promissory note signed by Borrower and dated January 29, 2 0 01 The Note states that Borrower owes Lender Sixty -Four Thousand Five Hundred and No /100 Dollars (U.S. 64, 500.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than February 01, 2011 (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. (11) "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 6AIWY) (00051.01 Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Page 2 of 15 Second Home Rider 1 -4 Family Rider Other(s) [specify] (1) "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. yy 1000259256 Form 3051 1/01 L0 /L L908 uuod 9SZ6SZ000T 89T .s1amu a.1 9L o g e6ed t 0'(9o00) (AM)b9- 0) •Alladoad [gal &uuanoO 3uaumalsut A2unoas uuquun apnitpsuoo 03 uop3tpsun[' q suopgugn palturt[ gum sluguanoO uuo ;tun -uou pug asn juougu 10J slusuanoo uuoJiun sauiquioo A,LRIf D S SIH.L •paooat jo saougaqumoua Aug o3 loa[gns `spuguiap pug suq p IIg lsurdu Auadord agp o3 aim ail Ai[gaaua2 puapap !um pug STEMMA aamoaaog •paooaa jo saougaqu noua Jo ldaoxa `paaaqumouaun st Awdord agp lggl pug Auadoad ag3 Aanuoo pug luga `agg8uour o3 2q2!" aql sgg pug pa/fanuoo Aga.raq alglsa aL( Jo pastas st aamoaaog lggl S.LNVNgAOO 1HMOa11IOg luaumalsu[ ,C3ufOas stgl 2 uiaougo pug 3utsga[aa `03 paUruti Sou lnq `2utpn[Out aapua7 ;o paatnbaa uotlog Aug avi 01 pug `Alaado1d aril Ilan pug asoioaaoj Ol 1gSu ag3 `03 pawtuni lot! lnq `Butpn[out `slsaaalut asogl jo [[g ao Aug astoiaxa 03 :iglu ail sgq (sugtssg pug saossaoons s,.rapual pug aapuai aoj aautumu sr) S2HRJA1 `urolsno JO mu[ qqm A[duro3 of Aagssaoau 3t `lnq `luaurrulsu[ 4.moaS stgp ut aamouog Iii paluga ma'am! ag3 0l aptl iaai Apo .spiog Suave lggl saaag pug spugpsaapun aamouog „•Auadoad„ agp SE luaumalsui ,iltanoaS slip ut o3 pauapaa st gutoSaaoj ag1 jo Iii' •luaumalsui ApunoaS stgl ,Cq paaanoo aq osig iiggs suouippg pug s3uauramida! iid •Auadoad ail jo ugd g aaijgaaaq so mou saanpxtj pug `saouguaunddu `sluaurasga iii pug `Auadoad ag3 uo pap= Javaaag 10 MOU sluauranoadurt ail IT H.LIM 2IdH,L2OO1 „ssaappd Auadoad [apopd?Z] TOT£8 2tqufOXM [A/DI aeaetutuag DaanS] 1g edotaquy T09T 3o ssaappg am sgg ApuaaanO gotgm .aaqumN QI pored r sesodand tte ao; ;oe.zeti gaed a epetu pue olaaet; pegoe11e 1Tgppce aag [uouoipsunr Smpsooag ;o aW N] [uo!lotpsunf Smpiooag ;o adis] UTODUTZ Jo daunoo agp ut palgoo[ Auadoad paquosap Sutmoiioj aql 'am jo aamod !Ulm 'S 13N[ Jo suss pug saossaOOns ail 02 pug (suStssu pug saossa3Ons s,aapua-i pug aapua' IO; aauturou su A[aios) mini 01 iianuoO pug puga3 Wallow Agaaaq saop aamoaaog `asodand srgl and •a1oN am pug luauznalsui XpunOaS stgl aapun sluauraaaSg pug s1uguanoO s,aamoaaog ;o aouguuojiad ag3 (tt) pug :aloN ag3 Jo suo!mot;tpotu pug suotsualxa 'sigma= Hu pug `ugol alp 30 luauriigdaa aq3 (r) :aapuari 02 saunas luaumalsui Allmon squ, AllIddO2Id MIL NI S.LHJIlI AO ?IH ISNV' LL •luaumalsut ,C3unOag stgl ao /pug aloN alp aapun suongSggo s,aamoaaog paumssu sgg ,Cued lugs Ka ao aaglagm `,CUadoad ail 01 a[lt1 uavi sgg lugs Auud Aug stream „aamoaaog 3o ;saaa;uI ui aossaaans„ (0) U f T .a.... 169 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 6AIWY) 100051.01 Page 4 of 15 Initials: yQ P'ij 75 1000259256 Form 3051 1/01 10/1 LSO£ wand 9SZ6SZ000T 0 T g do g eBed 1 0 19000) (AM)V9- am Suisjpuopi ao13ou g zamonog aniS kgtu Japual luatunzlsul Alunoas stgi JOAO rilizoizd uieilg Ergo t3itM UOII 11 04 4301gns s! Alzadozd a'p jo ugd Aug lugs sautuualap zapua' 3I •luatmunsul 'iitmoas sun o1 113!1 3 n SUilputpzogns 13pua-1 of Liolosjscies 1u0tu00.311 ug uail 3111 jo zaptoq 3113 wag saznoas (o) JO :papnpuoo azg ssutpaaoozd lions 'pun ,Clio lnq `Suipuad 3111 ssutp003ozd asogl apgm uaq 3112 jo 3uamaOJO3ua agl 3uana1d of a3uzado uotmdo s,zapuarl u! g3tgm ssuipaaoozd I113a1 `ui uag aqi jo luatuaozojua istqr3g spuapap JO `Aq glre3 pooS ut uail 3111 slsa3uo3 (q) !itiautaaae Bons Sutuuojzad s! zamauog sg Suol os Alpo inq `zapuarl 01 alqulda3og zauuzuz u ui uOil an Aq paznoas uopgSggo 3111 jo ivatu,Cud aqi of SupiiM ni saaar (g) :zam0.uog ssalun 1Uatunzisul Aginoas sun law A2Uoud sgt t3tLM uail Aug a3lugos p ,illdtuo1d pets zamozzog uotloaS ut papinold agl u! magi Aud pegs lamouog `small m010sg 3111 smolt asap iglu wawa am oZ 'AUU j! `sluauissassy pug `saad `sang uopgtzossy Altunuttuoj pug `Aug 31 'filmdom an uo s111a1 pun01$ JO sivatuAud plotasual `ivatun13su1 'i1tm3as sun JOAO Aluoud 'mum Ergo tpulm Auadozd alp 01 alqulnquilg suoptsodmt pug `soup `s331vgo `sivamssassg `saxgi Iig pigd hugs 13M01101 •suaf :S3JB 3 •y zapuaZ ,ig Nag spung Aug 13M0110g of punjat Andtuozd llggs zapuarl `luatunzlsul IiliznoaS sup ,iq paznoas stuns IIg jo IIn3 ui luamAgd uodn 'swam/cud ,Cltlluotu zi ugg1 011 Ert inq `VdS311 giiM 03uupzo33u Ut ,COUaiOtJap agl do a)Igtu 01 ,ttussa3au lunoure agi 10pua'l Ol ,Cud grip 1amouog pug `ydSg1l iq pannbai sg zamozzog iJpou II11gs 13pu3rl `VdSd2I zapun paUpap sg `MO1OSa 111 plat spund jO ,i3Uappap u st amp n •s1U3tuiiud xlgluom Zt min a10m ou Ert inq `VdSd)i g11M a3uup1oO3g 111 03guogs agi do Oalutu 01 ,iressa3au lunoutg agi 13()33 l 03 iigd pegs zamofog pug `ydsgg ,Cq pazmbal sg 13MOZZOg 411ou huts zapua-I `ydSdil zapun paupap su `m013S3 ui Nag spung jo a2guogs g 5! az3ti 3I 'ddSg2I g1!M aOUgpzo3og 1111 spunj 5533x3 3111 10j 13M011og of lUno03u hugs 1apUarl `tVdSH'l zapun pautap s11 `MOZOSO Ut plat spung 3o snldzns 11 st 010111 3I •VdS3 I i(q paztnbaz su spung 3113 3o 3upuno3311 411n11ttg uu `02.11111(3 inOg31M `zamozlog 01 aniS Reps lapuarl spund at1 uo pigd aq pugs 1S3101u! min 'IOnamog `Suptzm Ut aa1S11 11113 10pu0l pug zamO.uog spung aqi uo ssu!UJ1O 10 18010111! Aug 1amouog ,Cgd 01 paztnbaz aq lou Reps 10puo' `spund at1 uo pied aq 01 153131ut sannbaz mg-1 alggollddy 10 Sut1UM ut ap11tu s! luamaa1S1 ire ssalun •aS11110 u tons a3lgm of lapua-I sltuuad M11 algioilddy pug spund aqi uo 15013311! JOMOJIOg sA11d .rapu01 ssa(Un `small mama at3 2u!Sjp0A JO 1111103311 MOIOSO at3 2utz1flguu IIlgnttug `spund an SupJdde pug Su!plot 10J lamozzog a2zggo lou llggs zapua-I 'ydSg2I zapun pappads atuti aql uug3.101111 ou Stu011 mo1OSg an ,cud 01 spund 3gl ,ilddg pegs zapuarl •ppttug u11o1 autOH monad Aug ut 10 (paznsm OS azg siisodap aso1M uopn3psu! Erg s! 1apUOZ 3i '13131101 2u1pnlou!) Alpo JO `ililg1Uamnllsu! `AouoSg 1111ap0J 11 ,iq pa1nsul are s3isodop asoIM uopn3Usut Erg 11l plat aq hugs spund 3111 mgt alquotlddy gltm 03tnp100011 114 asIMZag3o 10 small moz3sg alnln; jO saznl!p11adx0 3o salututisa alg1UOSga1 pug glen 3uaz1n0 jo s4sgq an uo anp spund Jo iunotuu 3111 ai11tupsa hugs 1apua1 zapun aztnbaz U113 lapual 11 31111011111 tuntutxgtu atl p00ox0 01 lou (q) pug `ydsg21 1ap11n papp3ds amts an 1g spund aq1 Aidd1103 zapuarl liuuad 01 111apgjns (g) lum01 111 Erg u! spund plot" pug 13a11o3 'amp Aug 1g 'iCem lapua-I uop3as sun 10pun pannbaz 110141 3111111141 `s1Unotu11 tons ut pug `spund 4411 1apua1 01 ,cud hugs zaMO.uog `11ot1110ona1 pons uodn `pug SI 11op30S g1!M 03UU13100311 Ui UOn13 3341011 g Aq amp tcug 111 small Mo13sg I111 JO AM 01 Su 1ani1M an 3)(31131 Ii11m zapua1 •311n0WU11 tans Aug 10P110 l 01 A11da1 01 6 uopoas 10pum pal11Stlgo aq 11ag1 hugs 1am0zzog pug lunotU11 tans Ji11d pug 6 uotl °aS zapun 231311 214 32(313x0 A11tu zap1101 `mall mama 1111 zo; anp TUnotu11 alp ,i11d 01 sue J0MOJJOg pug `lant1M 11 03 luunsznd `,ip3aztp small mozosg And 01 palgSllgo 5! zamozzog 3I .6 uo1130S 11! pasn 5! „311ama01S11 pug lu11uano3„ asultd an sr `luattm1lsul 'ifumoaS 5113 u! p0u1113U00 3Uamaa1311 pug iu11uano311 aq 01 pamaap aq sasodlnd 4411 zoJ Ilgg5 sldta3az aptnold 03 pug sivatuAed gins a)l11tu 01 110U11S1lg0 s,1oMOZZOg •azmbai ICgtu 1apu01 s11 naiad amts lions uitum 1Uatu6C11d tons 3u43uapina sldta0az 1ap1101 of tsitut>3 4411145 `saimbai Japuarl 3i `pug zapu0'4 xq pant11m uaaq 81114 spund jo ivatuii11d tl3114M 10j stuall Mo13sg Aug zo3 anp 6A(WY) (00051.01 Page 6 of 15 171 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 Initials: if 1000259256 Form 3051 1101 0/ I. 1.90E wJOI 9SZ6SZ000T ?LT B L 1 L ()Bed Lo•ce000c (AM11tf9 a[quuosgai gu! ed (o) pug :lino ul guugadde (q) `maunu3sul 'ilunas sup 1ano ,iluoud sgq 'Io!gm mil a Aq paanoas sums Niue guu nd (e) :o3 pallum 1011 aze lnq `apnioul ugo suopoe s,lapual 'Apadold 0111 guuledai 1o/pug guunoas pug 'filmdom 0111 ;o =TA 0tp 2ulssassg 1oipug gupoalold gulpniou! luaum.zlsul Allmon sup lapun slggu pug Auadold alp ut Isamu! s,iapua-I loaloid o1 algudojddg 10 aigguoseal st 1ana3g11M 1o; Agd pug op Amu lapua-I uagl /Cuado1d aq3 pauopuggg sgq 1aMouog (0) 10 `(suol3einSai 10 Mel 0310;110 01 10 3uaunulsul *moos sup 1ano 1iluoud mum Amu tiolnM uaq a jo luatuaoaojua 1o; `azn3la;1o; 10 uopeutuapuoo 1o; `alegold `Aoldnuiugq ul gulpaaooad g sg tTons) 3uaunulsui Animas sup lapun slgglt 1o/pug Auadold a 'I3 uI Isamu"! s,lapuai 130 10 ,ipueot lugts 111gttu 111 111 gulpaaooid regal a st amp (q) luatunlsui £3unoaS sup u! patuuluoo 53uautaalgu pug s3uguanoo oral uuo;aad of site; laMouog (g) 3I •3uauin4sul Spanaag slg3 aapun s3gglg pug 4i do.rd alp u[ 3saaa3ul maim jo uol ;aa;oad •6 •aouapisat 1gdlouud s,10M011og se ,CUadoid aq3 jo Aougdn000 s,1amouog gultuaouoo suopuluasaidai `o1 plum! Sou 0111 3nq `apnout suopu3uasaidal IeualgF' 'Weal aq3 113[M u0l30auu00 uI (uolluuulo ;u! T I101gut 113IM aapuari apinoid o1 pails; 1o) Japua-I 01 511101110 MS 10 11011 10p! a3g.mooeul 10 `gulpgaislut `aster ,i1lglta3Etu aARR 311051103 to agpaimotni s,1am011og g3IM 10 1aM011og ;o uol33atlp aq3 3g guj33g sal3l3ua 10 suosiad Aug 10 aaMonog `ssaoold uopgol1dde ugori am guunp ;l 3Tne;ap ul aq pegs 1am0110H •1109133 Iddy uuo' s,aaMOatog •g •asngo a[geuoseal'Ions gul jioads uopoadsu! 1oua3ul ue 11ons o3 .ioltd 10 JO 0111!3 0111 111 0011011 10M0110g aAig iiggs aapual •Auadold a 'I3 uo smatuano1du11 aq3 ;o 1ou01u! alp loadsut Aum lapual `asngo a[gguosiai sgq 11 3I •/Cu0dold 0111 jo suolloadsu! pug uodn sau3ua aiquuosgat axgut Agm mar s1! so lapual •uollelo3sa110 J nda1 'Ions jo uouaidtuoo a 'I3 1o; uopegggo s,1oMonog ;o panatial 3011 s! laMo.uog `A3.zadoad a 'I3 alo3sai so 1lgdal o3 luatot,;;ns Sou are spaaoold uopeuutapuoo 10 00uelnsut aq3 ;I 'pa3aidtuoo s! 3110M 0111 sg s3uatuXgd ssai oid jo sauas 11 uI 10 luautifed aTguls g ul uo9e.1o3sa.1 pug salgda.t ag31o; spaaooad asingstp Amu .tapua'I •sasodlnd 'Ions 1o; spaaooid poop.' sett lapua-I Auadold aq3 gu!1o1sal 10 guutgdaa 1o; anglsuodsai aq [Tugs 1amo.uog `filmdold a111 ;o gums! aq3 10 `01 agutugp tp1M uopoauuoo 113 pled ale spaaoold uol3gutuapuo3 10 aouglnsu! ;I •agetuep 10 uot3e1oualap 10 'Iun; Alone o3 pagguuep p Au0dold aq3 .tlgdai 1ipdtuoid II1111s aaMO.uog `aiglsga; Ajie0tutouo3a 301 s! uopuIolsaa 10 aludat Imp S uol3oaS o3 lugnsand pauluualap s! 11 ssaiun •uoplpuo0 513 01 anp anion u! gulsgamap 10 gul3e1oua3ap utot; Auadoid 0113 3110nald 01 1ap10 u! Apadold aq3 11!11311!utu Hats 1aMO11og `,ivadold alp ul gulplsal s! 10M0110g 1011 10 10111011M •410dold alp uo 03suM 3111111100 10 a3e1oualap o3 Ifuadold am Moue `Auadold aq3 1l11dt111 10 aggtugp `1ioilsap Sou iie 'Is 1OMO110g •suotpadsul :S3aadoad aq; jo uot3aa3oad pug aounua4u!uy\i 'uo[3uMasaad •L 10111100 s,1oM011og puo,faq a1g golgM lsixa sa0uglstuno110 gullgnu0lxa ssatun 10 `piatigltM Aigguosuatun aq loo I[u11s 3uasuo3 1401 'IM `Su1311M ut saalgu astM1a1110 lapual ssaiun `Aouedn000 ;o amp am Jai ;u 1110/ 0110 3sua[ lg 1o; aouaplsa' Tedlouud s,.iaMOUOg su Alzadoad a111 Adn000 03 anui3uoo I[ggs pug luatunllsu[ A3un0as sup ;o uopnaxa a 'I1 lase siiep 09 uI'I3tM mama' [edlouud s,1aMofog s11 £uadold aq3 asn pug `gsl[gelsa `iidn000 1ggs 1am01.rog •SauudnaaO •9 •anp ua113 3ou so 1a111aIM `311atutulsu[ i11n0aS sup 10 0301,[ a1131apun plgdun s3unotug Aud o1 10 Apadold am 010150.110 011011310 spaaoold ammo! 0113 asn Aguz lapual •Apadold 0113 ;o agulano0 am 04 a[ggolJddg 0111 53'Igu Sons se 1e;osut `Apadold 0111 guuan00 salo![od a0u111nsu! Ii1 lapun (1aMouog (q mud stunlutald paunaun jo pun;al Aug 01 lggt1 0111 1111 1a'I1o) s3ggu 5,.1oMO.uog JO 1a'I10 Aug (q) pug `luatunsu[ di3un0as sup 10 010N atp lapun plgdun s3unotu11 0111 paaoxa 01 3ou 3u1OUtg ue ul spaaooid a0uelnsut Aug 03 s3g2u s,1aMO11og (g) lapua' o1 sugtss11 Aga1011 1aMOfog `as(Maaglo 10 ZZ uop0aS lapun Auadold alp saltnbog Japual 3! 10 loan 101(310 u[ •u0ntg Si aollou am ua11M uigaq [[1M pouad Aep 0 11.E 'mlg[ 0 'I1 0plas pug a3ul3ogau ,ism lapua-1 110113 `ttnei0 11 011105 01 paaa ;o sg1 10!.1110 aouumsu! am 38111 lapua4 wog aollou 11 01 sic 0£ u1g1IM puodsai 1ou saop 1OM0110g s1a11gtu pa1111a1 pug 111!11[0 00u111ns111 aig1T1en11 Aug aplas pug aleilogau `atl; ii11tu lapuag `iilladold aq3 suopu11g11 1amo11og 3I •Z uol3oaS u! 1o; paptnold 1ap10 aq3 ul parjdde aq pugs spaaooid aouminsul g0ns •1amo11og o3 plod fug ;t `55001/0 0113 a�% tr 7 4 1 '73 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 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. 6A(WY) (0005).01 Page 8 of 15 Initials: ��o�+?G 1000259256 Form 3051 1/01 L0 /L L50£ Waod V 9SZ6SZ000t 91 )o 6 seed to (9000) (AM)V9- ez) •Z uoipgs Ut iO3 paranoid .iapio ag3 ut paiiddg aq nulls Auadoad aq; jo aigdaa 10 u0iluaolsga o; patiddg 3ou gag imp spaaooad snoaugliaosij, lly •aapua7 o; pied aq imp pug pau2issg ifgaaaq aau iivadoad all ui isaaaiui s,.tapuaj jo ;uauuigduti am 01 aigg;ngia3lg gag lggl saSgurep ao3 ttig'O a0 pauM1 Aug jo spaaooad aqj •luautna;sui Alianoas sill aapun sl'ISU ao Auadoad aril ui lsaaa3ui s,aapuai jo luatuaindtui 'uualguu .taglo ao ,Claadotd aril jo aanliajao3 sapnioaad `luauuSpnf s,aapua' ut `1gti1 Su!Ina g'I31M passiuusip aq 01 Sutpaaooad ao U01[1 3g Suisnuo Aq `6i uoiloas ui paranoid re amisuiaa `paaan000 silt' uougiapoog 3i `pug 1ingJap g gons atno tuO aaMOaaog •luamtulsui Alunoas sup aapun s3gSu .10 ,ivadoad am ui Isamu! s,aapua-I jo luauuigdun 'gualgut aaglo ao iilaadoad ag3 jo aanliajao3 ui 1'nsaa pinoo `3uatugpnf s,aapua -1 ut `lgg3 unSaq si `Iguituuo ao limo aaglagM `Suipaaooad ao uopou Aug 3i 3ingjap ui ag Hugs aaMOaaog •spaaooad snoaugiiaos O3 pagSaa ui uotlog 30 1112ta g sm aaMOZtog tt0'IM lsure$u ,iugd am ao spaaooad snoaugiiaostJA aaMOatog saMO 1gg1 Aid pup aq3 streatu „Aug,' Suusoddp„ anp uag3 tau ao aaglagM luaumalsui Alianoas sup Aq paanoas sums gill o1 ao ,Cuadoad aq3 jo aigdaa ao uoilgaolsaa of aaglia spaaooad snoatrei'aosm a'I1 Aiddg pug loa" OO 01 pazuoging si aapua-I `uantS si aoilou at 3 amp alp aalpg sAgp p£ ui'Il1M aapua-i o3 puodsai o3 slug3 aaMOaaog `saggtugp ao3 tumo g alms o1 p1 A%1 ug awn 01 saa ;o (aoualuas mu aq3 ui pautjap sg) Alagd Suisoddp am imp aaMOaaog o1 aapua-i Aq aoilou aalwg `3i ao `aamoaaog ,iq pauopuggg 51 Stiadoad ag3 3i .anp ua'I3 WE SUMS NO 10U ao aaglagM luatuna3sui IilianOas sup Aq paanoas sums am of paiiddd aq hugs spaaooad snoaug" aOS1 ag3 `$uili1M ut aaaSg asiMaa'I30 aapuaJ pug Jamoaaog ssaiun `amen ui SSOI a0 `uoi3onalsap `Supigl Igilagd ag3 aao3aq A'atutpaUIW! paanoas stuns am 3o moult aq3 uggl ssa3 st amen ui ssoi ao `uopona3sap `Supjgl'gilaud gill aao3aq X'aluipautun Alaadoad aq1 jo awn la)laguu atg3 alp g3igM ui Alaadoad am JO amen ti SSOI ao `uoi3Ona3sap lupifl Igtugd g JO loan ag3 uI •aamoaaog 01 pied aq hills aougigq Cud amen ui ssol ao `uouonalsop `Suplut'glued am aao3aq A'algipauuutt ,ivadoad ag3 jo amen ;a3iaguu aiu3 a'I1 (q) Act papinip amen ut sso' ao `uopotulsap `supit:3 Igilagd aq3 aao3aq Aialgipatuuui paanoas sums am jo lunoure mot aup (g) :uouoga3 3utmolio3 alp paiidilinut spaaooad snoaUg" aosm gql jo lunotue aq1 ,iq pampa' aq imp luaumalsul ,iltanOas sill ,iq paanoas stuns am lutliUM ut aaaSu asiMaaglo iapua'i pug aamoaaog ssa'un `anion u! ssoi 10 `uo3Onalsap `Sui)igl 'giugd aq1 aao3aq A'algipaunui luatunalsui Altanoas sill ,iq plums sums all 30 lunouug ag3 uag3 aalgaaS 10 01 'gnba si amen ui sso' ao `uol3Otuisap 'Suplg3 mind a1 i aaojaq Aialgipatmui Auadoad alp 3o amen 1031.1E111 aig3 ail; gOigM ui ,ivad0ad gill 3o amen 111 SSO3 ao `u0u3onalsap `Supig3'glued g 30 Juana gill u' •aam0aaog o3 pied `Aug 3i `ssaoxa ag1 tram `anp uag3 1011 10 aaglagM luautntlsui ,'lianas sup Aq paanoas stuns all 01 pai1ddg aq Imp spaaooad snoaug" aOS1 ag3 `,ivadoad ag3 3o amen ui ssOI ao `uoi3Onalsap `Suplg3 Ig3o1 g 30 3ugna am III •Z uoiloas ut a03 paranoid aapao alp ui paiiddg aq Miles spaaooad snoaugllaost gons •aamoaaog 01 mud 'Aug 3i `ssaoxa a'I3 tram `anp uag3 3ou ao aaglagM `luaumalsUI AiunOas sill ,iq paanoas stuns am 01 paiiddu aq Hugs spaaooad snoaugllaosm ag3 `pauassal aq prawn Altanoas s,aapua-I ao algisga3 AllgOituouooa 3ou Si =dal JO uotggaolsaa aq3 31 •spaaooad snoaugllaosij gons uo sSutuaga 10 Isaaa3u! Aug aam0aa0g 1igd 01 paainbaa aq 3ou !Imp aapua. `spaaooad Snoatreiiaosm gm tit) mud aq o3 lsaaalui saainbaa Mg-1 a'ggotjddd JO SU li1M ui aput u Si luatuaa1S1 ug ssalUfl •pa3aiduuoo si )IaoM ag3 sg s3uaut,iud ssaiSoad jo saiaas g ui ao luatuasangsip gist's g ut uouuaolsaa pug saigdaa gil ao3 Agd Mutt aapuaZ •iiliduuoad umuapun aq Hugs uoiloadsui gons 3gg3 paranoid `uoilogjsilgs S,aapual 01 pa2aidt uoo uaaq sue 31aoM ag3 aansua o3 Auadoad gons loadsui o3 Aliunuoddo ug peg sm.! aapuari Hum spaaooad snoaugllaostw gons p'og 01 A141 all anal Hills aapual `pouad uojlgaolsaa pug aigdaa wits Suunu •pauassal 3ou si A3ianoas s,aapua7 pug algisgaj iilluoituouooa si medal ao uoi3gao3saa aqi 3i `(uadoad all jo aigdaa ao uo1gao3saa 01 patddg aq hills spaaooad snoauul'aosip 'Ions `paSgtugp si Auadoad all 3I •aapuaa 01 pied aq Hut's pug 01 pauSissu Agaaati age spaaooad snoaugiiaos1 j, 'IN •aan3iajao3 spaaooad snoaueiiaasiytI ;o ;uatuuSissy .TT •uo136uituaa; ao uopeiiaouua gans jo atup aq; ;e patueaun aj At ;eq; suun'uuaad aoueansui aStS;aoix fus jo punpaa aniaaaa o; ao /puU 'L fealp uuo;ne pa33uituaa3 aaueansui aSeS;aoty ail; aneg o; 'a0Ugansui aS13;a0y%I ail; jo not ;eiiaauea memo pug 3sanbaa o; 'saansopsip ute;aaa aniaaaa o; ;Op aq; apniaui ,lulu s ;gSia asagj •etei aaq ;o lug ao 866T 30 Say uoi3Oa3oad saauMOatuoI aq; aapun aaueansui aSeS;ao}SI aq; o; padsaa mph ,foe 3i sett aantoaaog s;qMa aq; laa33e 3ou mitt s;uatuaaa u gans Say (q) n 175 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time. for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. -6A(WY) (0005).01 Page 10 of 15 1000259256 Form 3051 1/01 NIP LOIL 1.90E WJOI 9SZ6SZ000t 9L1 �i-��/ slelliu� qt. ;o t L seed 10•09000) (AM)v9- VdSg2I uopeuuojui ia ,iue pug aputu aq pinous s3uatuAud totem 01 ssaippg ag3 `Jaotnaas u11o' Mau am Jo ssaippi pure atireu agl ale3s ilnm goTgM a3u11go am Jo aopou uaupm uant3 aq !pm J3MOUog `Jao!MJas ugo-I alp jo a&trego sT arm 3I •a3oN ag1 jo ales g o1 paWIaU. n'gown ugoi at1 jo sa3uutp atom .10 auo aq 3g3itu osm alma •me-I alggoTlddy pug `3uatunulsul Altmoas sit3 `a1oN am Japun suoi1113tlgo SuioinJas Ugo! ag3uout Jag10 suuopad pug luaum.ilsul A3imoaS sup pug a1oN ag3 Japan grip swam/Cud oipOuad s3oa!!oo 11?tl „Jaopuas uuoi„ ag1 se umom!) ,Clpua atl ut a3ungo g ut ilnsa1 10tuu ales y •Jamouog of aotlou Joud lnoglui satin aJOW Jo auo !Nos aq ago (3uauun1lsul ,ilunoas sigl glim Jama3o1) aloN alp ui lsala3ut pm.x d E J0 a3°N atl, •aouenalJf Jo aal;oN :Jaaptaas ueoZ Jo a3unt° :a3oN }o am 0Z •111 uopOaS Japan uoilElalaoog Jo am alp u! Aiddg Sou imp 33E3SUt0J 01 u.141 sits `JanamoH •paJ1n000 pi uotlgJalaoog ou 3T SE 0 n9 39 J3 3 pus Aga.taq pamoas suot3113ilgo pug luatunJlstq Alunoas sup `Jamouog Aq luatua3111sut3J uodn •Jajsuiu j spund oiuoJloalg (p) Jo `Altlua Jo Auleluauttuisut `Aoua3g lRJapaj i Aq palnstu aJe siTsodap asogm uopnlpsui ug uodn UMg1p st 3loago Bons Aug papTnold oir s,Jatgsgo Jo xoat o s,1ainsgaJl `xoago xugq `31oago papivao (o) `Japmo Aauotu (q) :gsgo (g) Papua' ,iq poops sg `suuoj 3 utmollo3 atp jo alotu Jo auo uT sasuadxa pug sums luauiap suigi tons Agd 13mouog 111113 aJinbat ,i11w Japua -I •pa3ugtoun anupuoo !legs luauinilsul Alunoas suj ,Cq palnoas sums alp Aed o1 uoilatigo s,Jamouog pug luauin1lsul Al sup Japan s1q�u pug Auadoid ag3 ut Isamu! s,Japuarl 111111 aJnsSE 03 aiinbai Aigeuosgai Amu Japua sg uopoe tons swim (p) pug :3uatunusui A3unoas sits Japun si13u pug Auadold alp ut lsalalut s,Japua-1 3upoa1old 3o asodind ag3 J0j paunou! sag; Jatpo pug `saaJ uopgnlgn pug uotlOadsu! ,fuado.id `sag; ,s,iatuouE algguosgai `o1 pup!! 1011 3nq `3uipnloui `luautnhlsul *moos sup 3uiotojua ut paunoui sasuadxa ll11 &iud (o) :s3uauuaaJ311 Jo s3u11u0n03 Jam° Aug Jo iln113ap Aug salvo (q) :paun000 peg uoilelalaooE ou j! sg a1oN am pug 3uatunulsul *moos sup Japun anp aq mom uagl totgm sums lie Japuarl siigd (g) :Jamouog min ai suopipuoo asou •luauutulsul 'C3UUoas sit! 3u!O1O3ua waut3pnf g Jo Allua (3) Jo :01V1S1lta1 01 11I3u s,Jamonog 3o uofEUtttual aq1 Joj &Toads lt3Tut M11'I aigmoilddv sg pouad Jaglo tons (q) :3uatuntlsul Allmon sip ut pauig3uoo ales 3o Jamod Aug of luensind Auado1d am 3o ales aiopaq s,iep anig (g) :3o 1sai111a alp 01 Joud amp CUE 111 panuTluoosip 1UatunJlsUl /i1unoas spp Jo luatua3loJua am! o1 3113p ag1 angt! !legs Jamouog `suoTlipuoo umuao spool Jamouog 3I •uoi3eaalaaay Jauy a3e;supu of ;g3ig s,JaMOJaog •61 •Jamouog uo puetuap J0 aotlou Jagunj 1not1TM luauunJlsuI ,(lungs sup Aq pauiuuad saipatuai Aug alonui Arm Japuai `pouad sits 3o uouejidxa ag3 o3 Joud sums asatl Agd o1 sltgj J0m01JO1 jl •3uauttu3sul 'ilunoas sit! Aq palnoas sums !!g ti11d 3sntu Jamouog goTgM uig3im SI Uolloas g1Tm aouep1O33 ui 110ni3 st 03i1011 ag3 amp am wag sAgp p£ UEg1 SSOI IOU JO pouad a apinoJd !eggs aotlou atZ 'UOtlglala3Og JO a3T10U JaMOUOg OAT3 Hets Japuarl `uoildo sigl sasLOJaxa Japual J! •Mg-I aigi otiddv ,iq paligigold si asiolaxa tons 3T Japuarl pastoiaxa aq 1ou !legs uoildo sill `Janamoll 'luatttnllsul ,1unOas sni3 Aq palnoas stuns Iig Jo Iin3 u! Jimmied algipau iu1 almbai ,fuuu Japua-I luasuoo ua111M Joud s,1apuarl 1not31M (pauaJsug11 Jo Nos sT JamOUOg ut Isamu! leioijauaq E pug uosiad min= a 1011 Si JaMOUOg jt Jo) pauajsugil 10 plos st AuadoJd ai i ut 1saialuI ,Cut J0 ,i1.10do1d am Jo lard AIM .10 II11 •aasgtoJnd g 01 amp aznlnJ a le Jamouog Aq app Jo JaJsu1113 a 11 s! goTgM 3o ram! ag1 luauuaai2g MOJOSa Jo 13e11UO3 sales luatullglsu! 'Nap Jo3 =moo `poop Joj puoq a ui pauaJsug11 ma'am' ietotjauaq asotl `01 pa2tut1l lou lnq `3uipnlout `,ivadold ag3 ut Isamu! lg1Oijauaq J0 lag! Aug swam „AuadoJd at1 uT 1saIa1Ul„ `8i u sup ut pasn sy •aamonog ul 3saaa3uI mpuauag a Jo BlJado.d ago 3o Ja;sueay •81 •luatutulsul A1Unoas sup ;o pug a1oN am Jo ,idoo ono uant3 aq buts Jamouog '.fdoD s,J3AioJJOg •Li •UOtIOg Aug a)3 01 uop113tlgo Aug 3noiltM uotlaIOStp Nos sang „Auto„ !mom am (3) pug :11sian aotn pure !11mld at1 apnlout pug unto !legs Juln3uis alp ut spioM (q) `.Japua3 autuiutaj am Jo sp1oM Jo slim/A Jalnau 3utpuodsauoo apn1OU! pug maul Iigtls Japua3 auIlnOSgtu am Jo spJoM (E) :luaumJlsul '(lungs srill ui pasn sy •uotstnoJd Sutloil1uoo 3143 lnotpim raw uan!2 aq ago tOtgM a1oN am Jo 3u3UUf11SUI 411100S s1g1 JO suoIsinoJd Jat30 3oajjE Sou !Isis IOTIJuoO tons `ME11 alquotlddy gljm slotjjuoO a1oN at1 Jo luatuntlsul ,ilun°as sup JO asngjO JO uotsinoJd Aug 111g1 3uana 3111 ul •1o1113UO3 ifq 31131411331311 lsui113e uotligigo1d E se pan1lsuoO aq 1011 !legs aoualis tons 1nq `luaus aq 1113iut 1! 10 10111!1103 ,iq 331 01 sound am moles ,il1t3Tlduui J0 iipt3ijdxa 1g2iuu Mg-1 algeotlddy Me-1 alquoglddy 3o suoI3113Tuttl pug sluautalinbal Aug 01 lOafgns 3111 3u3umJISUI A3iJ1100S STt1 ui paui11luoo suoil113ilgo pug s1g IIy •palgoo! st Siladoid alp tot1M ui uopOipsunf ail Jo M11! alp pug mg! !glom; LCq patuan03 aq !lugs luaunuisul Allmon silty •uopana;suoD Jo salna :Angm aanas :M1'I 3uluJaAOD '9I t"tot 4, 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. Crip 6A(WY) (0005).01 Page 12 of 15 177 1000259256 Form 3051 1/01 LO /1 150E Luioj 9SZ6SZ000T SZT 9 L 1 E L eBed L0 (AM)v9 •SututoiiM jo smel not ;dutaxa pea;samoq ay; jo anutn pue aapun spl2p IIe santem pue sasualaa .tamouog •saan!UM •bZ •me-1 alquogddd aapun pa ;turtad st aaj aq; jo 3utSaugo alp pue paaapuaa saotnaas aoj Mood patgl a o; pied st aaj aq; It ifluo ;nq ivautnt;sul X;unoaS stq; Sutsualaa ao� aaj u aamofog aSaega dum aapua-j s ;moo uouepaooaa /iue ,Cud Hugs aamoaaog •luautna;sul A;tanoas stgt asualaa pugs aapua-t ';uaun i sul Altanaas spp fig pains sums HE jo luau/Cud uodn •asealag •£Z ;t o; pat ;t ;ua ,fllaal suosaad ao uosaad ay; o; ssaaxa Sun (a) pue :;uautna;sui ,C ;lamas sty; fq paanaas stuns nu o; (q) :saa3 ,sSauao ;u algeuoseaa '0; pa;twtl ;ou ;nq 'Sutpnput 'ales aq; jo sasuadxa llm o; (m) :Talmo Sutmopoj ay; ut paHdde aq pugs as ay; jo spaaaoad aq,L •ales fee ;m Sl aadoad aq; asegaand Beet aauStsap s ;t ao aapuaj •AtW alquaHddy ,fq paglaasaad aauuuw ay; ut Nos aq pugs Spadoad aq; pus 'alms jo aat ;ou ay; gstlgnd Heys aapua•I •f UO3 taas ut paptnoad aauunut aq; ut aan+oaaog o; alms aq; jo aat ;ou anM Hugs aapuarl •n+uZ atgealldd\ y ;tnm aaunpaoaae ul ';uaaal31P 3t '.f;aadoad ay; jo uotssassod ut uosaad ag; o; pun aantoaaog o; asolaaao3 0; mom 3o aat;ou ant$ Nuys aapua- 'ales jo aamod ay; sanonut aapual II •aauaptna am; jo sow pun saaj ,sSauao; ;e alquuoseaa '0; mum ;ou pig 'Sutpnlaul 'ZZ not ;aas sty; ut paptnoad satpatuaa aq; Sutnsand tit paaanaut sasuadxa II' palloa 0; pat ;t ;ua aq Heys aapua-1 •nnuT algmagddy pa;;tutaad satpautaa aay ;o Stu; pun aces jo aamod aq; mom"; Amu pus puutuap Jag;.tn3 ;nog;tM ;uatuna;suI S;lamas stq; ,fq paanaas stuns Hu ;o um ut ;uatuSed a ;sipatutut aatnbaa ,few not ;do s ;t ;e aapuaj 'aat ;ou ay; ut paupads a ;sp aq; aaopaq JO uo paana ;ou st ;lnujap ay; 31 •algs pus uot;eaalaaas 0; aant0a101{ JO asuapap Jag ;o ,fee ao ;Inelap u jo aaua;stxa -uou ay; passe 0; not ;au lama a Sutaq o; ;Op aq; pug uot;uaalaaae aa;Im a ;e;sutaa 0; ;Op ay; Jo aaMOaaog tuaoJu[ aaglan3 hugs aat;ou agy •S;.Iadoad ay; ,to ales pun ;uatuna ;sui ,f;tanaas sty; �fq paanaas stuns ay; 3o uot;uaalaaau ut ;lnsaa Sulu aat;ou ay; ui pagtaads amp aq; aaojaq .10 uo ;lnujap aq; aana o; aauHu; ;uy; (p) pus :paana aq ;snot ;ln1Jap ay; tatym £q 'aamoaaog 0; uanjS st aat;ou aq; app ay; IuoaJ s,fup 0£ usq; ssal ;ou 'a;ep u (a) ;In "Jap aq; aana 0; paambaa not ;as aq; (q) :wept) ay; (g) :,fjtaads hugs aat;ou aqj •(astmaaq ;o saptnoad ,terl algeattddy ssalun 81 uot;aas aapun uot;saataaae o; aotad ;ou mg) ;uatuna;sui ,f ;lamas sty; ut ;uauuaaaSe ao ;ueuanoa Suu jo yanaaq s,aanloaaog Sutnollo3 uot;gaalaaae o; aotad aaAtoaaog o; aat;ou ants hugs aapuar •satpatuag :uot ;eaataaay •ZZ :smolloj se aaaSe puu ;ueuanoo aaqun3 aapuall pug aamoaaog •SINVN AOD 1/1IIIOdINf1-NON 179 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: 6AIWY) (0005).01 Page 14 of 15 (Seal) Borrower Mark A Shipp AO Donna L Shipp (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower 1000259256 Form 3051 1/01 L0 /L L90£ mod 95Z6S OOOt 0 0r :ss ,C;unoj 9l 1O 9l eBed 700Z T T Lr nuEr :sandxg uotsstunuoD XjAI ddjug •Z suuoj pus ddTug •V P N T 00Z 6z Azsnusr sItp aui aiopaq papainnouxoz suns ;uauuu2sui gutoVa.JoJ aqy u M(9000) (AM)v9- NlOON l O3 V1S s JO.)1Nf100 319fld A8V10N 33)1 312111V1 Aq `ONTh1OAM 30 aIVIS •Joazagp wid moiwwo alp uo pagiaosap &utuzoAm `Xlunoj uiooun `Jaiauzmax jo 2D age uoisintpgns ti supaH uioourj alp jo tr Nooig jo T la" ddigs Z uuuou puu ddigs V lam uopdpasa j V ,LIfIHX� a /rliL