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HomeMy WebLinkAbout8714751 1 LO /L 650E mod TOE '9 kuenuga3 '9I uomas ui papinoid osis ale luaumoop su ut pasn spzom jo a8nsn agl 8uipm2at saint ureuaj •IZ pus OZ `8I '£i `iI suopoas ui pauijap an: slalom iaglo pun moiaq paujap are luauinoop sup jo suopoas aidpinui ui pasn spioM b S add xd N008 �G_: P N A '�:(�?f I V V N a a S I 63 10 8 L 3i 1 L 8 )1 1310 A.LN1100 NIOON11 03A 33d 9SE'7ZOCO 11 6u Lwo/'M L.i ►J ►J 1 CIO [emu Su(paoaag Jog am sn(,){ ato aaedS] (6ZL IZ91009) SWk104 30V01110W dWA V at me13jUj 00/90 MW 91 10 t abed (90001 (Am)9- 1N3Wf11f1SNI WUGHHNfl 3 IN e(ppeid /evW eluued- Allwed eI T8ZT9OT 3d '2] 'NV30 jo smsi agl iapun 8upsixa pun paztum8.io UO L�eJod�10� 6u Lwo, M ve st iapua-I a6e64JoW JOCej si „iapua'„ (3) •w3uzn.ilsuI Aliznoas sup iapun io8e8uoui agl s! aamonog ueN pe oJeN d '1.12a0 3 p Leuoi si „iaMOaaog (g) •luaumoop sup co! slapr>j lie glim iagla2ol palsp si gomm `luaumoop sun sueauu ku luawn.lsui ,f ;►.mass„ (V) Lender's address is 2020 Carey Ave, Cheyenne, WY 82001 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated February 6, 2001 The Note states that Borrower owes Lender One Hundred Forty Thousand and no /100 Dollars (U.S. $140 000.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than March 1, 2031 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider 1 Condominium Rider Second Home Rider Balloon Rider Planned Unit Development Rider 1 -4 Family Rider VA Rider n Biweekly Payment Rider Other(s) [specify] (11) "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. (1) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. DEAN, R. AF 1061281 6(WY) (0005) Page 2 of 15 Initials: v? 1. Z1 54 Form 3051 1/01 L0 /L L008 WJOj 9140 E 06ed 15000) (AM)9 s�eiuui T8ZT90T 3d •21 'NV30 Sig1 10 910N ail iapun luaUISsd su aapuaJ Sq panlaoal luamtulsul Jaipo JO patio Sus;! `JanamoH •Soua.tUno •S•fl u] app aq !jugs luauznusul Spunoos slip pus apoN ail iapun anp sluautLsd uolloas o1 umnsind small Mozosg ioj spunj Sud osju !lugs aamouog •aioN aq1 iapun anp saVisio ale! pus sa isgo luaurSeda1d Sus pus a1oN aq1 Sq paouapina pgap aq1 'uo isalalul puu '3o jediouud aq1 anp u01M Sud pugs aamouog •sagau0 alug pue 'sagaug0 juauiSedaad 'swan Moaasg 'lsaaaluI 'Iedpuud jo luaudod •I :sMOHOJ su oat& pus lue110n00 iapua-I pus aaMOitog •S,LAINAITAOO L�]2I03IAIf1 •SUadotd is at 2uuanoo luaum.tlsul S1unoas uuojiun s a1n1l1suoo 01 uoclorpsunf iq suojlspun pa1!utll l!M slueuanoo uuoJlun -uou pus asn jeuoilsu 10j slueuanoo uuoJiun saulqutoo LAIgIHf12ILSAII A,LIIIflDgS SIHI •piooat jo saouu.tqumoua Sus op;oafgns `spusutap pus suuslo !le psure2s Suadotd am 01 aj1!1 otp Sjreaaua2 puojap !pm pus S1UVIeM 13M01.10$1 p1033t 3o saous1qutnoua zo3 ldaoxa `pazaqumouaun s! Suadoid ai; !sip pus SiaadoJd aqp Sanuoo pus 1us12 'a5e51.1out op 1q�u aqp ssq pus paSanuoo Sgaaaq alelsa am 3o pastas Sjjtgmuj s! mmo.uog lsgl SINVNdAOO 2IIMO211IOg „•Suadoid„ alp ss luautnalsul SlunoaS slap u! 01 panajai s! 2ulo2a.m03 ail 3O Hy •luaunulsul S1j.m3aS slip Sq patanoo aq osjs Ilsgs suolpipps pus spuautaoejdat IId •Suadoid ail jo Ind s zapjsai q 10 Mou sam ;xg pus 'saousuaundds `sluautassa Its pus 'Suadoid aip uo pram za2Jeatoq .to Mou sluautanoadun aqp [apoj diZ] 8TT€8 51111Ii0SM [Au] [290-us] 3o ssaappe aqp seq Spuamo gm /in IIe HIIM ?IgH 2DO L „ssaippy SuadoJd„) eu�3 peoU Jag1od 12 0065Z0019Z6T98 :zagmnm QI Pored 6u two/ M °Rluno3 4 11 ,1a lD kquno3 u loon L3 ay4 so ao l44p aya. u pooau so 420 ieyl. off. 6u 1p000e '6411041 1wo41 kluno3 u loo41 uo i.s p\ pgns au m q lne3 /a l leA pueu9 so Z q01 [u000ipsunr 8ulpiooag ;o auIeN] [uopolpslint 3mpiOaall 3o adiy] U Lo3U L1 30 /iluno3 aqp ul pa1sooj Suadoid paquosap 2ulMOjjoj ail 'ores 3o aamod gjiM 'suaisse pus s1ossaoons s,aapuarl pus aapua-I 01 Sanu03 pus lueza `02s2uout Sgaiaq saop aamo.uog `asodlnd sAll .103 •a10N ail pus luaunulsuj SlunoaS slip iapun sluautaads pus spueu0n00 s,aamo.uog JO aousuuojiad am (Il) pus :a10N am JO suolluompom pus su0isua1xa `slsMauaa !Is pus 'uuoi ag13o ;uau1Sud t ail :iopua -I 01 saanoas luauma )suj Spunoag sp A L2Igd02jd gH•L NI SIHOIRI 30 2IgdSNVILL •luaumtlsul Slunoos slg; Jo /pus slot aqp aapun suopegtjgo s,.tamouog paumsse seq S;.tsd 1eg11ou .zo aaglagM `Sltado.1d am 0; app uaare; seq ;sip Surd Sus susam „aatoaaog jo Isaaa ;uI uI aossaoons„ (d) f+rJ EW wet -4k .i U go t....` .W. ie 4 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 DEAN, R. AF 1061281 -6(WY) moos) Page 4 of 15 Initials: J 4 3 Form 3051 1/01 Pp5 1.0/1. 650£ WJ0j sIeiliuI 9 3 ;o g e6ed (9000) (AM)9- T8ZT90T 3d 'NV30 aq3 gutiJtluapt aopou g 1 M011og and AEUI Japuai luauInrlsui Altln3as Site 13A0 i(luoud utElle uuo gotgm uati a of loafgns s! £uadold ate jo rod /Cue Imp sautuualap iapual 3i •luaumllsui ,ilunoas sup of uatt ate &upeutplogns iapual of AioI)ejspes luaulaar2u uu ua!1 age jo rapioq alp Uro13 sain)as (o) .to :papnpuoo are sguipaaooid ions !thin ,Ciuo 1nq &utpuad aJg s2utpaaoold asogl aitgm uai1 aq1 jo luaura)1ojua ail luanaid of alelado uotutdo s,Japua'i m t)tgM sguipaa3o1d p gar `ui mil ail jo luautao.rojua lsutEBe spuapap io `dq t uj poog ut ua!1 ail slsaluoo (q) :luauraarge ions gutuuojiad si 1amo11og sg guoi os (pro mg `Japual o1 aig 1da)og lauueul E ut uati palnoas uopggiigo ag13o luauged ail of gut1!M ut saargr (e) :Jamo1r0g ssaiun luaumllsui AlunoaS sup Jan° iiltloud suq gotgm mg Niue ag1eq3stp Apdurold lugs Jamo11og uop)as ut papinoJd Jammu ail ut mail /Cud Ip:ts J0MO1JOg 'swan Mo1)sg aJe suuau mom rum wawa ail oj, •t(UE 3t `sluaurssassy pug `sand `sang uorlEpossy AltununuoD puu `AuE 3t `Auadord ate uo slum pun0d 10 sluauli(Ed Plogasuai luaumusui Altrn3as sup .lam) Aluoud Trim 11113 gotgm Auadold am of aigginqtiug suolltsoduri pug `sang `sallggo `sluauusasse `saxul iie /Cud IIEgs Jamoilog •suall :saannia •p •Japua-i iiq ppq spund Cue J M0JJOg 01 puma Xpdumold Iiggs lapua'i `luaumrlsui 'iltrn)as sup Aq parnoas sums pr jo IIn3 ur luauriigd uodn •sluauiiCgd Aigluour Zi uegl arour ou ut lnq `ddSgli aougpa000u ut i(ouatoIap ail dn aNEW o1 Alussa)au unto= ail Japuai of iced pegs 1amonlog puE `ddSg'U Sq pai nbai se Jamo11og i(3ilou Begs Ja `VdSH I Japun paugap se 'momma ut ptaq spund 3o Souapuap u st amp jr •sluacuiigd Aigluour Zi UBgl a10W ou ut rug `NdSd2I rprM aOURp103311 ui 05Euogs ail dn a3iecu of Ai ssaoau mom ail Japual 01 SEd 1P qs 10M011011 pug `VdS321 Aq palmbal su 1 M0J.Iog £3Tou pegs Japua-j `VdSgg .spun paupap se 'mama ut piaq spund 3o agEuogs E sr amp 3I Sall gIIM aoueplo))e ut spun3 ssa)xa alp .10j 10m01J0g of lunooau Begs Japua-i `Vd Japun paupap sr 'mama ui piat spund 3o snidrns g st a1at1 Jr 'VdS32I paitnbai se spend ate 3o gutlunoo)u p;nuue ue `ag1E110 1nogltM `1amo11og of and prgs rapual •spung ail uo ptgd 0)q prgs lsalalut legs `Janamoq &Ipum ut aade UE) Japua' pue Jamo1Jog spund ail uo sgutulga 10 lsaralut ,(uu 1amo11og AEd of partnbai aq 2011 pegs rapua -I `spund ail uo pted 0)q of lsaralut sapnba1 A1E'i aiggotlddd .10 gutlum ut apEU1 sr luauma1ge TIE ssalun •a2mq3 11 g)ns avur o1 lapua'l s1!UU d me-1 ajQuotiddy spund at1 uo lsalalut 1aM011og sA11d Japuai ssalun 'swan molosg aq1 &utA3iJan so luno0011 M013s0 aq1 &urz1ip:u0 if1nuuE `spend aq1 RutA1dde pee guipIoq 103 1am011og agJ11g) 10U JIEgs JaPUa'I 'ddSg2I Japun papr)ads acute ag1 uegl Jam ou swag mama ag1 iced or spend ail ,iidde Begs Japual •31ueg ueo-i aurog ielapa j £ug 11! 10 (parnsur os aJe sltsodap asogm uoilnlilsut uE st Japual Jr `lapua'i gutpnput) iiltlua Jo (1!IEluaum1lsut qouagr p:Japa3 a iiq painsut a1E sitsodap asogM uounlusut 1111 ut piag 0)q ip:gs spund aqZ •Me•I aig11otiddd 11tM 00U11plo33e ur astnuaglo 10 small M01osg =Jnln3 3o salnitpuadxa jo saleUTtlsa aigguoseal pee 11111p 1ua11no 3o slog aq1 uo anp spend 30 lunoure aq1 aNEUnlsa pugs Japua -i •ddSgli Japun aLtnba1 two Japuai g 111no1AU murmur aq1 paaoxa o1 2011 (q) puu `vdsgH Japun pagpads aunt ail 1E spund aq1 Aidde of lapua' ltuuad of luapUJns (u) lunour11 1111 ur spend pioq PUE 1)aflo) `aUltl ,Cur 1E `Amu Japua- uop)as sup Japun parrnba1 uagl are rum `slunoUIB tons ut pu11 `spund Ile rapual or /cud pip 1amouog `uop11)onal tons uodn `pu11 SI uotl)as g1tM a)Uep1o))E uI -uand aopou E icq aUltl iCUE 111 SUrall M01)sg rre Jo ICU11 or s11 1ant11m ate aJional j(EUI 1apual •lunoure q)ns iiue lapua of A11da1 of 6 uotl)as spun pa1113iigo 0)q uagl p its 10A 01108 pu11 =owe g)ns /iud pee 6 uormaS Japun sup!' s1t aspraxa Amu rapuai `mall M)1)sg ue 103 anp lunoun? ail 111d o1 sii113 ramollog pug `rani1M 11 0l luensJnd `iip)artp sumall Awing /cud o1 palegtigo sr Jamorrog 3I •6 uop)as ui pasn sr „luauraaaE pee lu11uano)„ aselgd ail se luaunulsui'flunoas sup ut pauteluoo luauraar a pu111u11uano)110)q of pauraap oq sasodrnd i111 ro3 pup sldtaoar aptnold of pug sluam /cud tons wpm 01 uotl1Siigo mamo.uog •arinbar 1C11ur 1ap11a' se popad aulll g)ns 11tglrm luaurii11d q)ns gut)uaprna sldra)ar Japual o1 1sruln3 dugs `salinbaJ Japualjr `pu11 lapuai iiq pa/gum uaaq s11q spund 3o luaul&11d toigm 103 saIali mama Aug 103 anp ..e�, rr �..c y� J CO N .sh• a. 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 DEAN, R. AF 1061281 M-6(WY) (0005) Page 6 of 15 Initials.'' L, �(i 1,f? Form 3051 1 /01 545 91iG LOU 1909 WJOd /jlelil 0 l 91. 10 L eBed t8Zt90t 19000) (AM)9 3d 'U 'NV30 a;quuosear 2u;Aud (o) pue :uno3 u1 guusadde (q) :1uatwtulsul dlun3as sit; 12no dluoud set t{orqu uatT a dq pain3as sums due Wupied (e) :o1 paling; lou are 1nq 'apnput Ue3 suotl3g s,lapua-1 *filmdom am guuludaz Jo /put; Suunoas ptre 'duadold aq3 jo antun alp 2utssasse so /put 2upoaloid guipnloui 'luatunl3sul dlun3as sup .spun slt2u pue filmdord atp uI Isamu; s,lapua-J loaload of a2glldolddu 10 alquuosear sl 1analgtM ao3 dud put op Sum iapua-j uatl `Spada'," a p pauopuegg suq 1amouog (0) .ro '(suope;n2a1 JO snort 33103113 or 10 luatutWsul 4u1133S situ nano 4110ud utulle AMU tmltM tali u 3 luaura31ojua 1o3 'aan11a31o3 so uotlumuapuoo ao3 'alegoad `doldtwiut;q tit 2ulpaaoold u sr tans) luatutursul dlun3as sup lapun sltgu 10 /pue duadold all 111 lsala3tq s,.rapua' ma33e dpuuoglugls 1g2lur imp 2utpaaooid legal u st arag1(q) 'luatunllstri'tunas sits ut pauleluoo sl11atuaalge put sluuuan03 all uuojlad 01 sfe31amo11og (E) 3I •;uaurna;sul d ;tanaaS slq;,aapujl map' pun d ;aado.rd at; ul ;saaa;ul mapua' Jo uol;3a;o.td '6 •33uapisa1 ledtouud s,12m011og su filmdom all jo douudn000 s 2u1113ouo3 suo1191uasa1dal '03 palttutl Sou are mg 'apnloul suopgluasaldar 1E1la2RN •ueo-1 3131 gpIM uotl3auuo3 ix; (uotletuojul 1e1131Ew t;IM 1apua -I appioad of paitu3 1o) lapua' o1 sluatualuls 10 uotleUUO3ul a1e1n3ouul 10 'gutpeaistur 'asp.; d3 f11areur anug lsasuo3 10 a2paimou>i s,lamauog tpya 10 1aM011og 3o uonoaIip all 3E gupou sappua so suosiad dire 10 1amofog `ssaoold uol;e3tlddu 11901 all Suunp '314 1;ne3ap ut aq ;lugs 1amo11og •uot;ealiddy uUo' s,aamoaaog •g •asnuo algeuoseal tons 2uld31oads uopoadsut 10tlaltn uu tons of loud ao jo amp all 3e 33llou 1amo.uog 34 nets lapuarl *filmdom all uo sluatuanoldtut 3tl jo loualut all loadsut Sum lapua-j 'asngo algguosea1 sut 11 3I •,fuadoid all jo suol3oadsut pug uodn sau3u3 a;geuosuar axeur dgWW 11132E s11 10 sapuafi •U013ulo3sal s01reda1 tons jo uopaidtuoo am io3 uopugpgo s,aamo11og jo panatlal lot st 1amo11og 'duadold all alo3sar so iludai of 1ua13S3ns lot 21E spaaooad uotluuuiapuoo 10 a3uelnsut at131 •papaldtuoo st 3110M at3 se sluarudld ssalgold jo sauas E ut so luaurdud 312uts g ut uolle.Iolsaa pue satudar 31111o3 spaaoold aszngsip dem lapua1 •sasodlnd tons 1o3 spaaoold pasEalar set lapua' 31 diuo duadold 3111 Su1103s31 10 5ulllud31 103 a;grsuodsal aq ;tuts 1am011og 'filmdom all `3o 2upler all 10 'o1 agEUrep t1jM U0900111103 II! mud 3111 spaaoord uorleutuapuoz 10 a3uulnsut 3l .3211 uep .10 uo11u1oualap latlun3 plone of pa2uurep 314 duad01d at1 aleda1 dpdtuold i (9ts 1amo11og 'alglsea3 d(l93tutos0oa 1011 sI uop9103931 10 1ledar rum S uop3as o1 luunslnd pau(Uualap st 11 ssalun •u0tllpUo0 sr; or anp amen 111 2utsua10ap 10 gu11uJoualap [UM duadold all luanald or 1ap10 UI duadold at3 mum= Huts 1amol1og 'filmdom am II( SUtpisal st 13M0110g 1011 10 1agla1M •duadold all uo a3s8M ltanuO3 10 aleloua33p or filmdold am Mo ;m 'duadOld all lredur; 10 a21tr9p 'd0l ;sap Sou ;Tuts 1aMO11og •suol;3adsul :d ;aadoad aq; 3o 1101 ;33 ;01 pus a3ueua ;u(Byk 'uol;Bnaasaad 1011UO3 9 13M0110U puodaq 31813igM 1s1x3 saDu91sttnOlro 2url8nualxa ssalun 10 'platgl(M d ;g9uosearun aq 1ou Ilutls luasuo3 girt t 'Sutu1M 111 saa12u asptuaglo 13P113 l ssafun 'd3tredn03o 3o alep all 13091834 auo 1sea; le 1o; 3311aplsar ledl3uud s,lamollog su filmdom at1 ddn330 of anu1311o3 Hugs pug 3Uatunl3sui ,ilunOas s(q2 3o uopn3axa 31(1 13139 scup 09 Ulg3(M 33uapisar ledlouud s,1am011og se duadold at1 asn pug `tsllgglsa 'ddn000 Huts 1amo11og 'd3uedn330 •9 •anp trail Sou 10131113tH `3uatm13sui dlun3as sill 10 330N all lapun prudun s3unotu9 dud of 10 d31ado1d aq1 a103sa1 10 ltedal 01131313 spaa301d 33uglnsul all asn Amu aapual •duadold alp jo aSElano3 atll or alquoildd9 3111 sltgu tans sE a93osul 'dlmdold am 2uuano3 sal31Jod 3311e1nsul 11E lapun (13fnouog dq mud stunt11rard patuuaun 3o puma.' dug or map all 118141 1at3o) s2t2u s,lamollog 30 131(10 due (q) pug 'luatunllsui dirin3as sits 10 a3ON all lapun Pledun s3unotu9 all p333x3 o1 3011 3unomu uE uI spaa301d a3lremsul due of slg41 s,lamollog (9) 13p11a1 01 su2rssu dgalag 1aMO11og 'as1Mlat3o 10 ZZ 110933S lapun duadold aql sarinbo8 lapua' 31 10 `1113na 1aglra uI •uanIS s( 3313ou at3 uagM ulgaq ;3M potlad Scup -0£ au •ur19(3 alp a133as put 33ul3o2au Attu aapuai tram 'u11e;o u auras or pa1a33o set 1311193 aOuulnsut am 281(1 13 uro13 33llou u 03 scup OE uIt2IM puodsal 1ou saop 1aMO11og 3I •s1a139Ur pomp.' pub 1111E13 3311u11SUI aige;I9n9 due alms pug aletlogau 'am Amu aapuarl `filmdom at1 suopuuqu 1amo11og 3I Z uot33as III ao; paptn01d 1ap10 alp u( pallddu aq Il spaaoold a3ueinsul tans •1amo11og of pled `due 3i 'ssa3x9 alp i• n IDS v� -6(WY) moos) Page 8 of 15 547 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. DEAN, R. AF 1061281 Form 3051 1 /01 L0 /L LSOE WJO aV� :5!06!u! 9 1 6 eBed 9o00) (A M1 9 ISZI90I AV d 'NV3G •Z 110j132s UI 10J papi10td tapto aul ul paladdE aq !lugs Suadotd ata3 jo nedat 10 uoiletolsat of paladde 10u atE 3ej3 spaaaoid snoauE11 IIV •aapua^i 01 pied aq iamp pue pau!isse Sgaiaq ate Auadotd agi ul 3sataiul s,iapual jo luauuredtul aril o1 aage3nqune are 111114 sa2Etuep toj uiteio to pteME Sue jo spaapotd aua, •luaumllsuI Slunpas said tapun slut io iivadotd 0644 ul lsatalul s,tapuaJ jo 3uauuieduzi reuamEt11 nag3o t0 Altad0td am jo amllaJto3 sapnpaid luaulgpnf s,tapua-1 ul `1egi 2ugnt a qui% passitusip aq o3 8uipaapotd 10 uoi1pe 0114 guisnea ,fq '6I uoi3oas ul papinotd se a3e3suiaa `pattnppo sett uol3Etapooe 3l `P" 3aneJap E tons a.m3 Uup tamottog •luatuntlsui f3unpas sill tapun siu5p t0 Auadotd 0641 ul lsatalul s jo luauureduit ppa3gm tatpo 10 ,ivadotd ail jo atnitajim ul lanai mop `3uatu2pnf s,tapua-3 11t `411113 un2aq si `ieuiuzuo 10 jingo tatgauM Iulpaapotd .to uolloe Sue 3l ijnnpap ul aq jaggs tamof0g •spaaootd snoaueappsm o3 p1E2at ut uoij jo 3g2u E sett .zamoa.zog uzogM 1sup3E Sued a13 .10 spaapotd snoaueaaaostag tamottog samo 1eg1 Aiued'ptittl am stream „Sued 2ulsoddp„ •anp uagl 1011 to taglagM `3uaum.zlsui'ilitnpas sup ,iq pampas sums am 03 to Auadotd 0643 jo nedat to 11011 101SM 03 taglla spaaooid snoauejaaosq, 0tp Sidde pue pap° o1 pazuomne sl tapua-I `uan1S st 000301 aul alep 0113 ta33E sip p£ uliltM tapua-I of puodsat o1 sfe3 tamo.uog `sa2Etuep 10j t11IEap E aallas o1 pzeMe TIE a)fEtu 01 sta330 (0ou31u3s ixau 0111 ut pauipap se) Sued 2u!soddp 0644 1eu1 tamozzog 03 tapua- ,iq aotlou ta13e `3l t0 `1 M0110g A pauopueq sl Suadotd 0111 3I •anp uagl an sums am lou .10 aag3agM luatuntlsua Alltnpas said 'iq pampas sums am 01 paladdg aq Hells spaapotd snoaumposlyi 0 l 'ul3l.zM ul aaige asinuamo lapuai puE taAOttog ssaaun `amen ul ssoa to `uopot tlsap lupae3 relued atll atojaq Alale!paunut pampas stuns am Jo lunotIE aq3 uBg3 ssai sl amen ul ssoa t0 `uoontlsap relued agi atojaq Iip3Elpauzun Suadotd 0113 jo amen plow alej am tom /a U4 1ivadotd 0 (1 Jo amen ul ssoa to `uol3pzu3sap `2uplE1 Iej3tEd a 30 3uana 0113 ul •tam011og 01 pled aq Hells apumeq Sud amen ui ssoa to `uoppnalsap '$1111 aelued am atojaq SialglpatUUll duadotd am Jo amen 30/1E1U ttEJ 0113 (q) papin1p amen ul ssoa to `uo1loruisap `3upael rotted 0114 aiojaq ,iaa3Eapaunzl pampas stuns ail J0 3uno=UE Imo) ail (E) :uopoEt3 �ul am A palldIlanuz spaaootd snoatmaaostysa 0143 Jo lunoUUE am Aq paonpaz aq 1regs 3uaUInuIsUI iClunpas sags ,iq pampas stuns am `2uj3a1M ul aat& asanuaIpO tapuarl pue JO/1'10110H ssaaun `amen ul ssoa 10 `u0l1pntlsap &1ple3 related am atojaq ,i1alelpatutul 3uatutulsua ilunpas sup iiq pampas sums am ;0 3unou1E ail u1g1 103e012 10 01 IEnba sl amen u! ssoa 10 `uollotulsap $ui l retued 0641 atojaq Sjaielpatutul Suadoid agi jo amen laxtetu iaej ail ttptiM ul Suadotd agl jo amen u! ssoa 10 'uollpntlsap `8unlei j pJEd E jo 3uana aq1 UI •IOMOIIog 01 pled 'Sue 3l 'ssaoxa au1 u1IM `anp 11attl 1011 10 tagpattM 'luatuntlsua A1unoas sail A pampas stuns ail 01 paladdE aq Hells spaapotd snoaUeiposIN ail `1ivado1d 011 3O OITA ut SSOJ t0 `uopotulsap '2u((E1 1E101 E JO 3uana ail ul 'Z 110113as 111 lOj papinotd tapto 0111 ul paladdE aq !pus spaapotd snoauE(Tapsiag tons •tamottog O3 prod 'Sue 3l `ssaoxa 0141 143IM 'anp tram 3011 10 .Iaglagm `3UauuUIsul iiipnpas sigl A pampas sums am 01 paladdE aq !pus spaapotd snoauuappsij, 0143 `pauassal aq mom Ammoas mapUaj 10 ajgtseaj iiuural Sou sl medal to uolletOlsat a6413I •spaapotd snoaueaaaps!JH tons 110 58u1u1Ea JO 360101ul Niue tamouog iced o3 pa aq 1011 Hells tapua' `spaapotd snoaumposm tons Ito pled aq o1 lsata3uu satinbal Ann aagEpijddd t0 211I1!IM 114 apeuz sl 3Uatttaat8E 1111 ssaaun •pa1aadtuoo si xtoM am se sluatuf1d ssat2otd jo 60(106 a ut t0 Iuatuastngsip 012uls E ul 1101E101601 pue s.uludat ail toJ ,(Ed Sem tapua-j •Ajlduuotd uataEuapun aq !pus uoiloadsul tons 1E41 papinotd 'uopo1;spes mapua1 01 palaadutop uaaq 61114 )TlOM ail amsUa of Atadotd tons loadsul 01 Ifllunuoddo ue peg sEg tapuarl Il1tm spaapotd snoauUiaapslJA4 ions moll 03 314211 ail angg !rugs tapuaJ `pouad u011gt01sat pug tledat tons 2uunQ •pauassal Sou sl Alunoas s,tapua'l put aagiseaJ Smoltuouopa sI tludat t0 uol3EtoIsat 011 31 'filmdotd am Jo,tjgdat t0 u011Et01sat o1 paladdE aq ((111(6 spaao0td snoauejjaosry%a tons `pa2EmEp si Suadotd agl 3I •tapua-I 01 pled aq netts pug 01 pau2Iss1 Agatatl atg spaao°td snoauEllapsll^I 1W •a.m3lajao3 :spaaao.1d snoauellaasm J0 3uatuuNiss' •Ii •uopuunu 03 so uoJlullaauso gans jo aural atj; 311 pauagaun aaaM 31113 suzmuuaad ooueansuj o u .zoy&j Sue jo punjaa e anlaaaa 03 ao/pue ',ffgppetuolne paleUluual a3UgansUI 0 8 3J0BI agi aneg o3 'aaueansUI atga)aoyi aq; Jo uoa ;enaauuo unggo pug ;sanba t o3 'saansolpsip ulel.zaa anlaaaa 03 map agi apnpul Seat s31Su asaq,L •ntel sag30 SUB 10 8661 30 Sad uolpaload stauAtoatuoH aq3 aapun OOIIUI1SUI agea3aoRT agi 03 3padsaa g3IM ,fug 3( sug aantoaaog 61131 aq3 laa33e Sou (Brat sluauIaaa2e gans £uv (q) rt s .11V. i .._.t hm.� c✓ (A •a lJ LJ Y. it k 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. DEAN, R. AF 1061281 ®6(WY) moos) Page 10 of 16 549 Initia� J 177) Form 3051 1/01 0S g L L t °Bed 190001 (AM)9 T8ZT90T 3d '2i 'NV30 ddSgiI uolmtuzoJut laglo Niue pu>r apetu aq P4nolls sluatuiird uatunn o1 ssaippe alp `zaolmas ueorl Mau agl jo ssazppr pu11 aumu all alels IIIM u a2ur14o atp jo aollou uauTum uan12 aq !um lamouog `zaopuas ueo1 0141 33 081411143 r st amp 3I .aloN alp jo ales r of pamlalun 1a3!n1as ueoi alp 3o sa2ug14o auotu 10 auo aq luBTuz osw azau,I, twi algeoijddd pue `luatunusul ,(;unoas squi `aloN aq1 lapun suom2I1go 2u!3tn1as tteol asrsuout zaglo suuojzad pur luaumulsul Alunoas spp pur a1oN4 alp zapun anp sluatu,(rd otpouad sloallo3 Imp „1aop uas ueo-I„ atp sr umou1) Alma aql ut asurgo r uT linsaz 101tu airs y •zamouog of aotlou 1opd lnotil!m satull 013114 10 auo P4os aq uro (luatunulsul Slunoas spp uum 1aulagol) aloN atjl u! 1saialu4 it:Turd u 10 a2ON 014,1, •aouena!1O JO a3901,I :aa31naa5'' ueOrl JO a2mnp :aloN 30 NUS '0Z 8i uopoas 1apun uope1aia33u 3o aseO aril Ui Aidde lou MIS amisuta1 01 148tz spp `1anamog •palun33o peg uot1111ala33u ou 3I sr an13a33a ijin3 trmtuaz Ileus Agauag pins suopr84lgo purr luatunzlsul Alunoas sup `lamouog ,Cq luautamisuiaz uodn •1aJsurl j spund 3Tuouoaig (p) 10 :,flpua 10 iiuleluatutulsut `e(ouagr Iezapa3 palnsul am sllsodap asoim uopn111sut ue uodn untrue s! 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Ajladozd 0141 143414M 141 uo41o1Ps11nf 014133 Mei all pee mg! I111apa3 pauuanos aq Hulls luatunllsul 'ilunoas sttl,I, •uol;ana1suo3 Jo sap% :,f;IllgeaanaS :MBZ Su4uaano) •9i f^ ^V r FT r, 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. DEAN, R. AF 1061281 ®6(WY) (00051 111111 IMO Page 12 of 15 55 i Initials: X--•":4 1 Form 3051 1 /01 to /L LgOE wJO :s 9 L !o E 1 eBed Wool (A/y►)g -w T8ZT90T 3d *1 N`d30 •2uiuxo/CM 3o smej uoi1duxaxa pealsauxoq am jo an;sin pue aapun slg2u jje santem pue saseapi Jamouog •saaAj t •bZ •mM1 ajgeoijddv iapun paugxuad sj aaj a pjo 2ui2aeg3 am pus paiapuai saopuas ioj /Cued pm; a of pied sj aaj am A /quo lnq 'luaumrlsuj ,(lunar sup &iseapa so; aaj a aamouog agaego Vieux iapua' •slsoo uopepiooai ,Cue ,fed pegs iamonog •luaumusuj Animas sjgl aseajaa ijegs iapua-j 'luaunulsul ,ilunoas sigl iCq pamoas sums jje 3o ;uaui,Ced uodn •aseapu •£Z ;i o; pale ;ua Alleaal suosaad JO uosaad aq; o; ssaoxa ,fus (3) puB :;uauma;suj ,f ;ipnaas snit ,Cq pamaas sums Its o; (q) :saw ,s,fauao ;e algsuossaa 'o; pa ;iuxil ;ou ;nq lulpnpul 'ales aq; 3o sasuadxa IIB o; (e) aapoo SuuiolloJ aq; m pagddu aq Ipsgs ales aq; jo spaaaoad aqy •ales ,fie ;e ,f;.xadoad aq; asrgomd ,fern aaaisap s;i ao aapua7 •nwl alquajlddv £q pal:unsaid aauuuw ag; m Nos aq Hugs ,C;.iadoad aq; pus 'ales jo aai;ou aq; gsllgnd IIBgs aapua7 •Si uoj ;oas uc papinoad Jammu! aq; m aae+oaaog o; ams aq; jo aopou aniN pegs aapuai •n�gZ aiquallddy mutt 03UBpa03313 m ;uaaa;3xp Ai 'Avadoad aq; Jo uoissassod m uosaad aq; o; puB aaMoaaog o; asopaao; o; MOM JO aai;ou 3n1I2 Ipsgs aapua' 'albs jo aaMMod aq; s01onui mpua7 i •aauaplAa app Jo spoa pug saa3 ,s,fauao; ;g alquuosgaa 'o; pa ;imil ;ou ;nq 'guipnpui `ZZ uog sir; m papinoad salpauxaa aq; Suins and m paamam sasuadxa IIe pauoa o; pal;pua aq pugs aapual •M8Z aiq ajlddd ,fq paj;iuuad satpawaa aaq;o ,fug pug is jo aamod aq; a3Ionm Amu pus pusmap Jaq;anu ;notpm ;uauma;suj £;unoas spp ,fq pamaas sums IIe jo Ilnj m ;uam,fed a ;mipammi a nnbaa £Bw uoi ;do s;I ;B aapuaj 'aoi;ou aq; ut paupads am aj; aaopaq so uo pama ;ou si ;Inejap aq; 'aims pus uopuniaoam o; aa►Moaaog Jo asuajap aaq ;o Aim so ;Inujap Jo aouappo -uou aq; iiassu o; uoipB moa g Suuq o; ;Op aq; Pug notp8aap33e mug a ;r ;saiaa o; ;qua aq; ;o aantoaaog uuoaui impart' pegs aai ;ou at •,f;aadoad aq; jo ajms pus ;uamnaS d ;ianaas siq; A q pamaas sums aq; jo uoipraalaaos m ;Insaa ,lulu aai ;ou aq; ui paUiads amp am aaopaq ao uo ;Ingjap aq; amo o; amiig3 JBgp (p) P :pamo aq ;sum ;Ingjap aq; g3;gm Aq 'aantoaaog o; uanj.2 si aopou ag; amp aq; moa3 scup OE nemI3 SI mu 'amp s (3) f;In8JaP aq; aim o; paainbaa uop38 aq; (q) f ;inejaP aq; (8) :AJpads hugs aai;ou aq •(asj:►uaaq ;o sapptoad Awl algsajjddy ssalun gi uoipas aapon uop8aala33e o; aoxad ;ou ;nq) ;uamnalsui ,f;tmoas spy ui ;uamaaJar ao ;umuanoo ,fus Jo gamaaq s &I IMoIIOJ uoi;Baapaar o; aoud aaMomog o; aailou 34 pugs aapua1 •saipamag :uopsaala33y •ZZ :smojjoJ se aaae pue lueuanoo aagun31apua7 Puy iamozxog *SINIVIsI3AO0 111111O3INfl-NON 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: DEAN, R. AF 1061281 -6(WY) moos) Page 14 of 16 R onald E Dean Terri S Potter (Dovo, 55J (Seal) Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3051 1 /01 STATE OF WYOMING, The foregoing instrument was acknowledged before me this February 6, 2001 by Rona l d E Dean and Terri S Potter My Commission Expires: IA °o3 DEAN, R. AF 1061281 -6(WY) (0005) Lincoln County ss: Notary Public 554 CLARA JENSEN NOTARY PIIBUC County of Lincoln ;je i7 State of My Commission Wyoming Expires March 25, 2003 Initials: Page 15 of 15 Form 3051 1/01