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Home My WebLink About87156511 C (J i 1 11 1 LO /L 1.90E wand 1 1 6ZZS9TTZ00099ZOOOI C 9 1DVd 1d tl J i'i N N1�f rl V _i 11 .jJ 1a 11 ea LTS98ZOZ L6ZL SWHOd 30VDi11O1Al dL4A SL io l e8ed 10'19000) (AM)v9 meZO Sd31N H11M 1N3wf1d1SNI wdOdINf1 Dew elppeij /eew eluued- AIlwed al •S2I IH (888) •P1 `9ZOZ II I lucid `9ZOZ xog •O•d jo Jaqumu auogdalal pue ssaippe ue seg pue `aremelaU 3o smel alp .Japun 8utlstxa pue paztueato Si S2HF' •luauznalsui Altanaas still aapun aaguglaouz aul s I •su8tsse pue siossaoons s,aapua-I pue .Iapua7 .to3 aautuiou a se /halos 8uuae st legl uopeaodioo ales das a st RHIN •ouI `suzaisics uope.zlstag otuo raja a8e8uoj st „s iaisi 1 (D) •luaum.Ilsul'SltznoaS sup iapun io8e8uouz a [1 Si .Iamonog uosaad pazzzuiuun uu 'piing a utldTa st „aannoaaog (g) •luauinoop sup 01 s.Iapt2I Ile gltm zag1a831 Too Z '8 A.zuniga3 palep st tplgm luaumoop sup sueatu Li luatunalsui All. maas (v) •9I uolloaS ut paptnozd osle aIe luauznoop sup ut pasn sp om 3o a8esn alp 8utpie8ai salnz uteuaD •IZ pue OZ 8I '£T `II suopoaS ut pauipap a.ze spiom aaglo pue molaq paugap aIe luaumoop sup 3o suopoas atdtllnut ut pasn spiom IDVf.L IOJ N [ma 8ulpao3azi .iod aul'I sna anogy 03ed8] S9 SNOLLINH U OLL8 3NOHd3 31 Lan ON `311O1HVH3 001- 311fS `YJN Hd1OUNVH MTV S33IA1:13S ONISO13 OI1Nb'lld :01 NHf113N aNv al:10031:1 6 ZZS9i'TZ OSEE Z96 (008) :zagwnN auogd 00T6 Z6E0S III 'sauTow saa 'qaa S 1 1 5 TH ITL •ouI 'a6e61zoW IPTluapTsax IEdTOUTad swing epuazg :,Cg pateda1d 60E0S III 'sauTow saa T-H '1fUTpM 669 *Dui 'a5s6gzow IETluapTsag TedTouTad :21 C7 0 0 0 0 n :do tg y 33 a:2 t:11 6AIWY) (0005).01 (D) "Lender is Principal Residential Mortgage, Inc Lender is a Corporation organized and existing under the laws of the State of Iowa Lender's address is 711 High Street, Des Moines, IA 50392 (E) "Note" means the promissory note signed by Borrower and dated February 8 2 0 01 The Note states that Borrower owes Lender Thirty Five Thousand Two Hundred Sixty Eight and 00 /100 Dollars (U.S. 35,268.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than February 1, 2016 (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. (H) "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 Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Second Home Rider 1 -4 Family Rider Other(s) [specify] r, (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. Page 2 of 15 Initials: Form 3051 1/01 LO /L. 690£ WJOd 9l 10 g aged [apopd!ZI L ZTE851iWOtiM NO] [1aans] Jo ssazppu am set! Apuazzno 1Olgm E C 9 iu sieui L015000) (AM)V9- Anadozd pal &rzanoo luaumJ1sur /i1rznOas uuoJrun alnlrlsuoo 01 uopoipsunf tiq suopeuen paint!!] g11m slueuano0 uuojrun -uou pue asn Iguopeu Jo3 sluuuanoo uuoJlun sautgmoo A,LI2If D S SIFLL •pzooaz Jo saoumqumoua Cue 01 loafgns `spueulap pug sump ITu isulg2e Auadozd am 01 app aqi Alluaua8 puajap !pm pug sluej.rem Jamo1JOg •pzooaz 3o saouezqumoua io3 ldaoxa `pazaqumouaun st filmdozd am imp pue A>ladoJd agl Jianuo0 pug 1ue.18 `a$u$liou! 01 1118lz aqi sgg pue paiCanuoo Agamq alma am Jo pastas AllnJmgl sl JamolOg lull] SINVNdAOJ 2IdMO211IOg 1uaumJlsul Alimoas spy 8uiaougo pug 8u!sualaz `01 palms!! lou inq `81lpnpul Japua-I 3o pazrnbaz uopoe ,Cue a�lgl of pug :A1Jadoid am pas pug asopazo3 01 10I1 aril `01 pallunl lot! lnq `8uipnpui 'slsazalu! asogl Jo lie .!o Aug asiOuaxa 01 :110ii aqi sgq (su8rsse pug szossaoons s,Japuarl pug .zapuarl Jo3 aaululou se) S2Idyv `ulolsno Jo mg! q1►m Alduloo 01 krussaoau 3i `inq `luaunulsul ilunOas slip ut zamoJzog Aq palugz8 slsazalu! aq1 01 aI1 ?1 Ig2al SPiog gligiAT Imp saaw &g pug spuulszapun Jamouog „•A1zadOJd„ am se luatunnsul 1ilpnOaS sill] u! o1 pazzajai sl Suio8azo3 am 3o Iiv •luaulrulsul AlunOaS sill] iCq pazanoo aq Osle ]lugs suollrppe pug sluaulaouldaz lid •Aizadozd am 3o Ind g zaijeazaq Jo mou saznixtu pug `saouguaunddg `sluaruasga pu `Anadozd aqi uo paloaza Jageazaq .10 mou sluautanozdun a 11 I1 HIIM 2I1HJ 29O.L „ssa mpy'lzadoJd auipti L IC1ra)[113d lioutren LOT :zaqurnN Q poled O,LS2iaHS ONINIFIJ ad(IV a SIMANK NI 210 S,IMnsIS NOE2ISH,L SSDNVNS,I.210dd'd CNN/ SINSAISAO21dWI 'sONIaIIng TIY KLIM 2ISHZSOOI ',30a2ISH,L IY`Id 'IKI3I.330 HILL NO aaSIHDSSu SY ONIYdOAM A NIIOD NIOONIZ SNAFIHL 30 NMOI. HMI, NI ')12I'dd XONNVA S )100Iff 8 Z aNK L Z S,LO'I [uopDtpsunr 8u!pionli JO OWEN] [uopolpsuni 8u!pio0ag jo ad,CjJ ulooutrl JO ic;uno0 alp ui pal1OOI Auadozd pagposap 8u!mollo3 alp `ales Jo zamod g11M `sigyv ;o su8issg pug szossaoons am 01 pug (su8lsse pug szossaoons s,Japua' pug JapuaZ Joj aau1WOU se /claps) sHapv 01 Aanuo0 pug lUEJ8 `age2nou! Agazaq saop zamoi1Og `asodznd spp Jog •aloN aqi pile luaumJlsul AliznOas spp Japan sluaulaa18g pug sluuuanoo s,Jamozzog Jo aouguuo3Jad a1l1 (lt) pug :010N aqi Jo suo]1eo1J!pow pug suorsualxa `slemaua1 ]Ig pug `uuorl ag1 Jo luau/Mai ag1(I) :Japua-I o1 samoas luaulrulsui'CllmoaS stg,l, AZ2IddO2Id dHI All SiHOI2I dO 2IddSAId?I L •lualunnsul Animas spp Jo /pug aloN alp zapun suopg8ggo s,JamoJJOg paulnsse sell Anal lg1 1 1011 10 Jaipagm `,Cuadozd am 01 app ua31g1 sell lggl jf1zgd /Sue sugau! „aannoaaog Jo lsaaalui ul aossaaans„ (0) !fTh() .....I ..y,,..z 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 6A(WY) 10005) 01 Page 4 of 15 Initials: 634 Form 3051 1/01 L0 /L 1.90E WJod slepiul NMI 5 1. )o 9 abed 1.0(90001 (AMIV9- tum `anp uagl iou io =pawn `luauitulsui Al SUjI Aq pampas sums amt 01 patidde aq Thus spaaaoid aaueinsui aql `pauassal aq pinom iC1izn3as s,zapua-I z0 aigisua3 AIIEOi nouooa iou St .n dai .io uopezolsaz atu i •.iamoizog 3o uon iigo aios atl aq !Tugs puE spaaoozd aoueinsun aril Jo ino pred aq lou imp zamozzog Xq paumaz `sai .i d ptitil ioipo io `saalsnfpn oilgnd 1o3 soot •spaaoozd 'ions uo duping 10 1S0101ui zamozzog /Cud o1 paunbaz aq lou nets zapua-I `spaaoozd aouuznsui qons uo pied aq o1 Isaialu! sannbaz MW W aigt otlddd io Supum uT apuui si luatuaaz2E ue ssalun •palaiduioo st 31.1om 0 p se sluamArd ssa15oid Jo sus E ui 10 luatuXEd 0!$u1s g ui uopuzolsaz pue snEdaz alp zo3 spaaooid aszngsip Amu u zapua'I •Apduiozd ua3ig aq Hags uoilaadsui qons 1t t1. papinozd `uopogJspus s,zapua'I o1 palaidutoo uaaq sgt )izom atl aznsua of Auadozd 'ions loadsul 01 AlTunlzoddo uE peg set zapuari !pun spaaoozd aoueznsut bons pio'i of itp.i 0141 anRq Tiu 'is .apua• `pouad uopezolsaz puE 1!d1 'ions 5uunU •pauassaI lou sT iilunZas s,zapuai Pur aigisua3 AllEOluiouooa s! ztudaz 10 uoT1EZOlsaz alp i 'filmdom at1 JO nedaz so uot1EZOlsaz 01 pond& aq huts `zapuarl pagnbai sem aotteznsu! 5uiiCUapun 0141 90U 10 zaglatm `spaaoozd aouEZnsui Cu E &Up!zm 111 aadE asimzaglo zamozzog pug zapuarl ssaiun •10m0zzog Act iCilduiozd apgui lou 3T sso! Jo 3oozd aaiEtU Amu zapua'I •zapua'I pug 10l1ze3 aOuuznsui atl of aopou lduzozd ant$ IIEgs zamozz0g `SSOI JO 11.1ana all UI aatted SSO! i9UOTI1ppE uE SE So /puE aagal.oul SE zapua'j atuEU ijE9S pug asnup a2auotu p1EpuEls E apnput nets ii3iod mans `il.adozd aq1 `3o uouotulsap z0 '01 a5utuep z0j `zapuarl pannbaz asim.i ipo iou `aEZanoo aoueznsui 3o tuzo3 AuB suiElgo .amozzog l •saollou iemaua. pug stunituaid mud 3o sldtaoaz !!u zapua-I o1 an12 Apdtuozd imp zamozzog `sazinbaz zapua7 31 •saluotJpuao igma11az pug sai3tiod aq1 plot 01 111$Tz all 3AEg IIE "is z0pua'I •aa,iid ssoi JEuop!ppE UE sg zo /puE aa21 910W sr zapual align ilEgs pug `asnria a$g$lzotu pzepug1s g apnpui Mugs `saioiiod gons anozddgsip Ol itpu s,zapua1 01 1Oafgns aq Hags saioiiod qons Jo siEmaua.t pue zapua'i At! paunbaz saioiiod aOUgznsui iid •1uatU,CEd 2uilsanbaz zamozz0g 01 zapua1 tuOIJ aO1lou uodn `lsazalui "ions tlim `aigq/CEd aq hugs par luatuaszngsip 3o amp 0141 tuouu alai aloud atl 1u lsazalut zeaq hugs s1UnotuE asat,I, •luatunzusul Alumas situ Aq pampas zamozzog Jo !gap Fuomppr atuooaq imp S uot9Oas STt1 zapun zapuarl paszngsip sumo= iiuy •pau1Elgo anvil pinoo zamozzog 1gg1 aotreznsu! Jo lsoo 0141 paaOxa AjlueogiuV!s 112ttu pare qo os aEZano) aOUEZnsui all Jo lsoo all lugl sapaimottpr zamozzog •pajja u1 iiisnotnazd sem U 11 a5gz3n0O lasso! .0 zaluaa apinozd 1g2UU pug A1ll!gEli z0 PzuZEt `?ISIS Aug 1SUIaE `Alzadozd alp Jo slualuoo aq1 10 `iilladOld a'i1 ui iflTnba 8,13MOII0g `Iamozzog 1oa10zd lou 1q�1tu 10 1ggTtu lnq `zapua-I .an0O !Tugs aez0n03 bons `azopazati 1, •a2EZ3n0O JO 1UnOUiE .10 ad it 1EinOTued (uE aset3znd 01 uouE$iigo ou zapun si .apuarl •asuadxa s,zamouog pug uopdo s,zapua'l 1.0 `agzanoo a3ueznsul umgo Amu zapua'i `anoge paq sap SaEZanOO am Jo Atm uim ulgui o1 si1E3 .amozzog 3I •z0m0110g Aq uo aafgo Ue LUOSu gullinsaz uoi1EU1UUa1ap auoz pool! tiui Jo maw.' aq1 t1Tm uolloauuo3 ui Xoua5y luatua$eugyv Somata JEZapad aql pasoduii saa3 Aitm Jo 1UatuArd 0941 zoj aigisuodsat aq oslg !iu 'is z3m0zz0g •U011e0ijtua3 10 uoi1EUmualap gons 1303319 11.12TUi AlgvuOSEaz gpitm 111000 sauut3 ze11Uns 10 auidddUiaz atuil tpE0 SO2rei o luanbasgns puE saowas uoi1EOpiva0 pue uoprultulapp auoz poor 103 amp auiil -auo a (q) z0 :sa01AZas gupp z1 ptr uojluo!J1ua0 `uopeUTUUalap auoz poou zo3 amp auiil -auo E (u) %latlia `Ug0'I situ tlim uoiloauuoO uT `Tied 01 10A 01I0g annbal Amu zapua'I •Alquuosuazun pasIOZaxa aq lou Hats 10u TOT 'im `0010143 S,zam0110g anozddesip 01 1 T !z s,zapua'I o1 loafgns 13mo.u0g ,Cq uasogo aq JJEgs aODUZnsuI aril 2Uipin0Zd zauIEO a0UEZnsu1 0141 tIEO'i aril 3o uual aril Suunp aueg3 Ugo saOUaluas VuTpa0azd aq1 01 laensznd sannbaz zapual letM •sannbaz zapua'I lutl spouad at1 zo3 pue (slang! ajgponpap &unpnioui) Suun0tuE atl 111 pauJEluiutu aq Bugs aouuznsut sltl,l, •aouuznsut sannbaz zapua'I gotum .1o3 `spoon pue saxgnbquea `01 paliuili lou lnq Iutpnpu! smut! zatlo JCue pue „`0 E10A03 papualxa„ um). 0141 ultltm papnpui swum 'am Act ss0I lstqau paznsui iClzadozd aril uo moan .aljuazaq JO VUpstxa mou sluatuanozdtu! aqi daal 11E 'is 10M0110g •aaugansuI £1.iadoid 'S uuo I sqp t11m uotl0auu00 ut zapua'i ,Cq pasn a0!AZas 2upuodai zo /puR Uo11E3t31zan xu1 alelsa !gal a z03 a2zgg0 atop auo a Aed 01 zamozzog annbaz ,iuUi zapua'I 1 7 u0poas Stt1 UT anogg quo; las 511011319 at1 Jo 010119 10 0110 a)1 z0 uall ag1 kJstles !legs zamozzog `uan12 si 0011011 119941 g0tgm 110 amp ag13o sAup 0! u!t1TM •U y �pL%+ pr.T J due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the 6AIWY) (0005).01 G36 Initials: W' 4. Page 5 of 15 Form 3051 1/01 L0 /L L40£ wJo1 tC9 liur g L to L °Bed L019000) (AM)V9- aigeuosuaz gutad (o) puu `unoo ui guuuadde (q) `.luautnzlsui Aliunoas sup nano sug goilm uap g Aq paunoas stuns au gupiud (u) :ol palituil lou aui 1nq `apniaui uuo suopou s,zapuari •Auadoud atp guutudaz zoipuu guunzas pug `Auadoud atp jo anion atp guissassu zoipuu gupoaloud guipnioui luatutulsui Iiltmoas sill uapun sup.' puu Auadoud alp ui lsaualut s,zapual loaloud of aluudozddu so alquuoseau si uanaletM uo3 ad pug op out uapual ua p `Auadozd atp pauopuuqu set zamouuog (o) 10 `(suopuingau so sMei aozoJua 01 JO luaumzlsui Altznoas sup zano 1(luotud uiulle atu loilm uaq u 3o luautaouojua uo3 `aunlujzo3 JO uopuutuapuoo zo3 `alugoud `Aoldnnimmq ui Suipaaoozd u se qons) luatunulsui ,Clunoas sup zapun slggu zoipuu Avadozd all ui Isamu! s,zapua-i 1oa33u ApuuotJtugts ptgiut lugs guipaaoozd legal a si azatl (q) luaun ulsui 4unoas sup ui pauiuluoo sluatuaaugu pug sluguanoo aqt tutojzad of spi j zamozzog (u) 3I •luatun tlsuI Swims spp aapua s;gBRI pug A ;dadoad al; uI ;salalmI s,aapual 3o uoi pa;oad •6 •aouapisau igdtouud s,zamouzog se Auadoud 0141 3o Aouudn000 s,zaMortog guiuuaouoo suotpuluasaudau `ol palituii you an 1nq `apniout suoiluluasazdaz leualuJ •uuori 0141 tplm uopoauuoo ui (uopetuuojui igualutu glint zapua-i apinozd of palie3 uo) zapua-i o1 slUatualups zo uopgtuzo3ut aleznoouui zo `guipuaisnu `asiu3 iiiuualetu aneg luasuoo .10 ag•aiMOUai s,13M0110a gITM 10 1aMO73og 3o UOt1Oaztp atp 1e gUpou sappua 10 suoszad Juu _to zaMOUZOg `ssaoozd uoiluogdde uuo' all Stump `3i 1ingjap ui aq NETTS zaMOUZOg •uo913011ddV ueoi s,aanM0.taog •g •asngo aiquuosuau Ions guic3ioads uopoadsui uoualui uu qons o1 uoud 10 3o autp all le aopou zamouzog anig i[uts zapuaq •Auadozd atp uo s1Uatuan0ZdU1 all 3o zoualui atp loadsui out zapuaJ `asnuo alquuosuaz sug 1! 3I quadoud 0141 3o suoilaadsui puu uodn saiulua algeuosuau a3ieut out luagu sli so uapuari •uopuu0lsau JO 1iuda1 wits 3o uotlaldutoo aril 10J uoilegggo s,uamozzog 3o panailaz loo si zamozu0g `Auadoud alp auolsai JO ztudau of luatot33ns 1ou am spaaoozd uopuutuapuoo JO aouuznsui 011131 •palaidtuoo si 4uoM atp su sluautad ssai ozd 3o sauas u ui zo 1uaUtad alguts a ui uoiluzolsaz puu szn:daz all uo3 spaaoozd aszngsip Amu uapuaq •sasodund ions zo3 spaaoozd pasualaz suq zapua-i 3i Aiuo Auadozd all guuolsau 10 guuiudaz zo3 algtsuodsaz aq Bugs zamouu0g `1Cuadozd aril `3o guixul alp 10 `01 °humup Hint uopoauuoo ui pied azu spaaoozd uopuutuapuoo JO aougznsui 3i •ageuIep 10 uopuzoualap zatpin3 None o1 paguutup 3i iCuadozd alp ziudaz Spdtuozd Timis zam0uzog `aigisa3 1iiuoiutouo0a 1ou Si 110peu01sau JO uigdaz imp g uopoas o1 luensznd pautuualap Si 1! ssaiuf •uoilipuoo sit 01 anp anion ut guisuauoap so 2utlguoi1alap ut0Z3 ,fuadozd atp luanaud of uapun II! Auadoud alp uigluiutu Boris uamouuog `,ivadoud atp ui guipisaz si zamouuog 1011 JO uaglagM •Auadoud all 110 a1suM 1111111103 JO aluzoualap 01 Auadoud all mops `Aliadozd alp zigduzi JO agetuup `,Cozlsap loo Hugs zaMOZZOg •suoi ;aadsul :,C;aadoid aq; jo uoi;aa;o.td puu aausua;uieytl °uogenaasa.id •L 10111100 s,uaMOZZOH puoAaq 01111 lotg" lsixa sa0uulstun0Sto gutlenualxa ssalun 10 `plat 11!M Slquuoseazun aq 1ou Hugs luasuoo brim `g11t11wM 111 saazgu asIMZallo zapual ssaiun `Aouudn000 3o alp all za13e zuaii auo psual 111 zo3 aouapisaz iudiouud s,zamouuog su Auadozd all Adn000 01 anupuoo ituls pue luaumulsui Altznoas sill 3o uotlnoaxa 0t1 ua13e &Cup 09 utgltM aouapisaz ludtouud s,uanouzog se Auadoud atp asn puu `i siiquisa `,idn000 Hugs uamouuog •&auudnaaO •9 •anp until 1011 z0 zatpaIM `luatuntlsui donnas sup 10 al0N aril zapun piudun sumo= ad 01 JO Suadozd 0111 azolsa1 110 itedau o1 zallia spaaoozd aouuunsui atp asn Sew zapua-I •Xuadozd aril jo agezanoo alp 01 alquoilddu ate slggu lops se ueJosut `Auadoud alp 211uan03 saioilod a0uuznsui 1111 uapun (uamouuog ,Cq pied stunituazd pau.n nun 3o punjaz Aug 01 14111 all 1111111 zatlo) s111211 s,zaMOZZOa jo zaglo Cue (q) pue luauInzlsui iC1un0as stgl JO 010N atp zapun piudun slunoum atp paaoxa o1 1ou lunoure U ut spaaoozd aouginsui dCue o1 s1451z s,zamozuog (u) zapua-i 01 sugissu Agazaq 10M0zz0g `asimzallo zo ZZ uopoas uapun Auadozd 0141 sazmb0u uapual 3i JO 'puana uaglia ui •uantg Si aoilou alp ualm uigaq HTM pound ap -p£ ata •uttel0 0141 aims pue aluilog0u out zapual uagl `utiel0 E aims o1 paua33o sul JauueO a0Uelnsui aril 1m uapU0' 1110113 a011o11 a 01 sap 0£ utll!M puodsau 1ou saop zaMO11Og 3j •szallgiu paluiau pue tuma aoUuunsut aiggiiene Niue aillas pue alep0gau 'am out uapun' `Xuadoud 0141 suopuuqu uaMOfl0 3I Z uopoas Ut 103 papinozd zapzo alp ut patiddu aq pegs spaaoozd aouuunsui tons •zaMOZZOH 01 mud `nitre J! `ssaoxa all 638 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. 6A(WY) (0005) .01 Page 8 of 15 �nitiaij Form 3051 1 /01 LO /L I.SOE WJOj 6C9 sieiuup l� 5L IC) 6a6ed t o 14000) (AM) V9 •Z uolloas ul .io3 paPlnozd Japmo 0 p ui paliddg aq hems Auadozd a141 3o neda.i .10 uo11BJotsai o1 palldde lou aze imp spaaooJd snoaueliaos!N iud •Japuarl 01 pied aq !lggs pug pau2lssg Again! are Auadoid 0141 ui lsa.zalui mapua-13o luatu i dtut 0141 01 algeingpug ale 18 sagurep Jo3 tutgp Jo pJeme Aug 3o spaaooJd atu, •luatun1lsui Alunoas shit Jopun sIg81J Jo Auado.td amt ul lsa.talut s,.tapuarl 3o luauuigddut Tg1Jairtu zaglo Jo Suadoid alp 3o azn11a3Jo3 sapnpaid luaut8pnf s,Japual ul `1eg1 211th! g 41!M passlutslp aq o1 Sutpaaootd .10 uopog aril 2u!stmo Aq '61 uo!IOas ul papinoJd sg alglsuta1 'paun000 sgti uopgzapoog 31 'pug 1ing3ap a lions azno ueo Jamonog •luatunilsul Alunoas shit Japun s1g2i1 Jo Auado1d aril ut lsamalul s,Japua'l 3o luatungdtul lgualgtu Jaiio Jo Auadoid amt 3o aJnlia3JO3 ul ljnsal pinoO luatu2pnf s,Japuarl ul `18141 un2aq sl `igunul1O Jo Tinto Jatilatlm `5uipaaoozd J0 uopog Aug 31 lingjap u! aq IIgLs JaMOJJOH •spaaooJd snoauell0OStyA! 01 maw ut uotlog 3o 14 1J g S 4 10M0JJ011 111014m lsulm5e ,Curd a141 JO spaaooJd sn0311eil0OS11A1 iaMOJJOg samo 1etp Atjgd pz1141 aril sugatu „AVE 2ulsoddp„ •anp uatp lou J0 Ja141agm luatunllsui Al!Jnoas sup ,iq paznoas stuns a141 01 Jo ,ivado1d aril 3o it dal z0 uOpEJOlsaI 01 Jatpla spaaooJd snoaugilaos►JA a141 SIddg pug 1OailoO o1 paz1JO141ng sl Japua'i `1.10/4 st OO110U aril amp aril Ja1311 SICgp p£ upp!m Japual 01 puodsai 01 silg3 Jamouog `sa eutep 103 tulgp g apps 01 pmmg tie a)lgui 01 sza33o (aoualuas lxau 0141 ul paugop sg) /Cued 5uisoddp aril 111141 Jamo.uog 01 Japuarl Aq aotlou Ja13g `31 10 `JaMOJJOg Aq pauopuggg si Auadozd 0 111 3I •anp ua141 stuns aril lou J0 Ja141a14M luatucu1SUI ii1!Jnoas slit pa.tnoas stuns ail 01 paliddg aq iig14s spaaooJd snoaugilaOS!JA aril `2u111M ui aa1.g as!mJatilo Japual pug JamollOg ssaiun `amgn ut ssoi Jo `uopotulsap mixed ail azojaq Aialglpatutul pampas stuns a141 3o lunotug ail ug141 Ssa! Si amgn ui sso! JO `uoliotulsap `2upiel lelugd 0141 atoJaq iiialg►patuutl Auadold aril 3o amen wpm Jle3 0141 143i14M ul 1i110d0Jd a1413o awn ut ssoi Jo `uopottusap `2upigl 1gtped g 3o luana ail ui zamoJJOg 01 ptgd aq Hugs aouglgq iiud •amgn ul ssoi Jo `uollonusap `$ulalel mgmd am azojaq Aiampatutul i(uadold a141 3o anion 10)1Jgtu J1g3 0141 (q) Aq papinip amen u! ssoi Jo `uoppnJlsap luplgl Ig11Jgd ail aiojaq 1ilalelpatutu! pampas stuns aril 3o lunotug 111101 a141 (g) :wpm; 5utmoiio3 0141 Aq palldpinut spaaooJd snoaugtlaosm 0141 3o lunotue 0141 Aq paonpai aq llggs 1uOtunJISUI Alunoas s111 Aq paznoas sums a141 `5u111JM ut 0015E as!MJa1410 J01J1107 pug JaMOJJOg ssaiun `amen ui ssoj 10 `uopotutsap 1upm1 Igpugd aq1 aiojaq Alalg1Paunul luatutulsul 'lunoas sup Aq pampas stuns a141 3o lunoun 0111 um Ja1gva J0 01 Tuba Si amgn ut ssoi 10 `uopOnilsap 1gt1Jgd 0141 azojaq iilalglpatutul ICuado1d am 3o amgn lawppgui z1g3 a141 14ot14M u! Auadozd a1413o awn u! ssoi 10 `uopOnJlsap 1upig1 mina g 3o luana a141 III •10M0JJ0g 01 pied `Aug 3! `ssaOxa a141 41!M `anp 110141 1011 Jo Ja141a14M luatunJlsul Atuno0s sup sq pa1noas sums a141 01 middy aq !Imp spaaooJd snoaueiiaosm aq1 `Auado1d a141 3o amgn ut ssoi Jo `uol1Otulsap 111131111 18101 g 3o luana a141 111 uopoas ul z03 papinozd Japzo ail ul paliddg aq Tigris spaaooJd sno0uglp0S!JA 11Ons •Jamozzog of plgd 'Aug 31 `ssaOxa a141 141!M `anp tam 1011 Jo Ja141a14M `1uatunJlsul Atunoas 4111 Aq paznoas stuns a141 01 paliddg aq Imp spaaooJd snoaug11OOSIN alp `pauassal aq pinoM A11Jnoas s,zapuarl 10 aigiseaJ AlieoltuouoOa 1011 sl J1gd0J JO uoil1J02Saz a14131 •spaaooJd snoatmii 14ons uo dunuga Jo Isazalu! Aug JamOJJOg JCed of pazlnbai aq 1011 !legs Japuarl `spaaooJd snoaugiiaOSIJAI lions uo mud aq o1 lsazalut saitnbai mg-1 alggollddd 10 Su11um u! apgui si luamaw Ire ssalujl •palajduioo S! 3IJOM 01p SE S111011IXEd ssaiBozd 30 S0!JOS a 111 Jo luatuaszngslp aijuls a ui uot11101sa1 pug slggda1 0141 103 /Cud Sew Japual •Aildtuozd ua)guapun aq 11t:gs uopoadsu! lions 11141 papinozd `uoIIOgJslles s,Japua-1 01 palald1110o uaaq Sg14 31JOM 0141 aJnsua 01 Xuadold lions 1Oadsu! 01 iClltmuoddo ug pe14 6814 Japuarl 111un spaaooJd snoaugiposm lions P104 011gp!1 ail aim! Iig14s zapuarl `pouad uop1101sa3 pug JlgdaJ lions Su1JnQ •pauassal lou sl A1pnoas s,Japuarl pug aigisga3 Sii1Oluiouo0a sl JlgdaJ J0 uo11g.1o1sa1 0141 3! `(uado1d a141 3o Jigdaz Jo 110 ezolsaJ 01 paliddg aq Imp spaaooJd snoaugijaos!J lions `pa eurgp s! filmdom 014131 •Japua-1 Ol plgd aq lletis pug o1 pau2!ssg Agaza14 0.1E spaaooJd snoatteliaOSIJAI IIV •aJn ;la3ao3 tspaaao.id snoauellaasg,.l 30 luauiu8issd 'T1 uoileu1tttaal Jo uollellaauea guns 3o amp 9111 le pauJeaun aaaM legl suznnuaad aaueansui a3u8pow 'cue 3o punjai e an1aaaJ 01 Jo /pue ',f14eaputuolne paleuluual aau1Jnsui a8e81JOJAJ 0141 ane14 0l 'aau1Jnsui a8e81JOytJ ail 3o uollellaauea ulmgO pue lsanbaJ 01 'saansO4asip ule3Ja3 an!aaaJ Ol 1g8!J ail apnlaui ,fern s3g8i1 asaq,L •nMe1 Jaglo ,fue JO 8661 30 lay uol1Oalo.d sJauMOaurog 0141 Japtm aaueansui a8e21JOjk at() 0l 3Oadsa. g1!M 'Cue 31 seq JaMoJJog slgB!J 0141 pa33e lou Lunt sluauiaa.au Bans £uv (q) beLav4C p‘• 6 0 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. 6AIWY) (0005(. Page 10 of 15 Initiald2 Form 3051 1/01 L0 /L L50E wwoj 1179 ffirr 51. 1 t t abed to'(g000) (AM)V9 VdSali u0petu1oJUI .101110 ,111E pue apeul aq prn0'is sluatu,Ced uatum or ssalppe aq1 `laotnlas ueo-I mat atp jo ssalppe pue atueu am arms Trim ti aguego aui jo aotlou uallum uanig aq rpm 1amonog `laotnlas ueol au13o amp g St 00011131 •010N au13o ales a 01 paleratun JaNmas ueo'I a1113o sa trego WOW .10 0110 aq l osrs ala,l, .mw argeotrddy pug luouituIsul ,ilunoas sup 'aloN atli lapun suotlegtrgo gutotnlas ugor agsguotu 1a1110 suuojlad pug luatutursul ,cltlnoas sup pus aloN am lapun anp sluam,ied otpouad sioaiioo legs „10otn1as ueo'r„ agl se umou3i) ,imua agl ut aguego a ut linsal lggttu ales y •13m0110g of aotlou .Jotld lno4tm soma 010UI 10 auo pros aq ueo (luotunulsul Amnon stuff ultra 1a111a5o1) 01oN 041 ut lsatalut retied s 10 010N 0 11.E •aauena1JD 3o aatloN :.1031n10S 11E01 JO aueq° :a;oN JO WS '0Z •81 uotloas .Iapun'1011E10100oe 3o aseo 0111 ut ,Cidde 1011 imp wimp.' of 1Irgu sup `Janamoll •palm000 peg uotlelaraooe ou Jr Se anpoajja ,crrtt3 u rre11s ,cgatag patinas suopegtigo pue luatutulsul C1imoas sup `10M0Jlog ,Cq lu01.U01 1sutal uodn •1ajsuelj spund 01101100rg (p) 10 10 Sureluatutulsui `,Couage relapaj a ,cq paIUsui 01e sltsodap asogm uounitlsui Ire uodn umslp st 3100110 Irons ,Cue paptnold 'rap s,1argsgo 10 raw S,1alnssall 'ratio 3lueq 'raw paIJivao (o) :1apmo ,Cauoui (q) !goo (e) :lapuarl ,iq paloaras se `stuloj 2utmorro3 am 3o plow 10 auo ut sasuadxa pue stuns luatualelsutat Irons iced 1amo11og rem aiinbai Seui lapual •p02tegoun anutluoo Hugs luatun.11sul Clunoas sups Cq pamoas stuns am ,(ed of uotlegtigo s,1am011og pug luauinJlsul ,Cltlnoas sup lapun s1u21.1 pue ,Cuadold 0111 ut 1sa1alut s 1e41 a.msse of 0.11111)01 ,ilgeuossai ,istu lapuarl se uotloe Irons Sa3lel (p) pue `.luatunllsur A1tlno0s sup iapun slu5t1 pue ,Cuadold a111 LIT lsalalut s,lgpua' gutloalold jo asodlnd a111 1o; palmout saa3 Ia'i10 pue `saa3 uoilenisn pue uonoadsut ,Cuadold `saaj ,s,faut011e algeuoseai `o1 palnutr 1011 inq 'gutpnrout `luau1n11sul ,cltmoas situ gutolojua ut pallnout sasuadxa ire s,fed (o) :sluatuaalge Jo slueuano0 101110 ,Cue 3o 1rnejap i(ue 901110 (q) :pann000 peg uouelajaooe ou 3t se aIoN alp pug luatutulsul ,Cltlnoas sup lapun anp aq prnom tram trOtgm sums He lapua -I s,Ced (e) :10mo110g letll 0113 suotltpuoo asota •luatutulsul ,Clunoas sup 2ui3loju0 lu0tugpnf a jo ,C11ua (0) 10 :alelsutal 01 1441 s,lamollog jo uotleutuual am 103 ,cjtoads 1ggtul m1'4 argeoirddy se pouad 1a'i10 Irons (q) `.1uau11u2sul ,cltmoas sup ut pauteluoo aces 3o lamod ,rue or luens.md ,illadold aIr13o ales =Jag sleep ang (e) :3o 1Sairlea amt 01.Iotzd gum ,Cue 113 panupuoostp luatunulsul ,iltlnoas sup 3o ivatuaolojua 011139 of 111gt1 aril anti heirs 1am0110g `suotltpuoo utein° 9100111 10m0110g 3I •uotaeaaiaaaW as ;3d alelsuiag o1 111$1) mamOaaog -6i •10M011011 110 puetuap 10 0011011 101111113 lnoultm luauItulsul ,ilt1noaS sup Cq pallttulad saipatuat Aug a3r0nut Amu iapuai pouad sup 3o uopeltdxa 011 or loud sums asag1 Awl or sitej Iamol.log 3I •1u0u1tu1sul ,Clilnoas sup At palnoas stuns rig iced lsntu 1amo110g tiottim utuum Si uotloas tllim 0ouep10ooe ut uanig st aotlou amt alep a111 tu0.1j S,Cep 0£ ueul ssai 1ou 3o pouad e aptnold rleus 03tlou ati,l, •uotlelaraoos 3o aotlou 10m011013 0AIS HHMIS zapual `uotldo stud SOSIOI0x0 lapua• Jr •merl arggotrddd Act paltgtuold st astolaxa 'ions 3t lapual ,iq pastolaxa aq 1011 Hugs uopdo sup `lanamol-I •luatutursur ,cltlnoas sup Ai paznoas sums lie jo iinj ut luatu,Ced aletpatutut aunbai ,Cetu .iapua7 `Iuasuoo uallum .loud s,lapuarl 1no'i11m (panajsuell 10 pros sr 1omo11og ut lsalalut letot30uaq a pue uoslad Turret a 1ou st 1am0110g jr 1o) pa11ajsue11 10 pros sr ,Cl1odold 0111 ut 1S01alul ,Cue 10 ,clladold am13o 11ed ,rue Jo He Jr •1ase4olnd a o1 prep amin3 a 113 1amo1.mq ,cq app 3o 1ajsue11 am Si 11ommm 3o lualut am `luatuaalgs m0i3s0 10 1oe111100 sales 1u0u1jrelsui 'pap 103 1oe11uoo 'pap 103 puoq g ut pa11ajsue11 slsaialut rsiogauaq mom `o1 palttu4 1011 mg `gutpnlout `Auadold 0111 tit Isamu! reto13auoq 10 isgar ,rue stream „,Cuadold 011 ut 1sa101ul„ 'gr uotloas sup 111 pasn sy •1an+o.LIog Ulf ;saaalui 1eio13auag 13 .10 £l.ladold 011 JO aajsuel,L •gj luatutulsul Alunoas stop Jo pug aloN ag13o ,idoo auo uanig aq pugs 10Mo11og •SdoD maMoaaog •Lj •110!1013 ,iue a3ie1 or 1.1011e2trg0 ,CUE lnotrltm uotlalostp pros santg „,few„ plom am (o) pue :gslan porn pun iemid 0111 apniout pug 11e011 Hells lernguts aril ut splom (q) :lapuag autu1tuaj am 3o splom 10 splom 10111011 gutpuodsaiioo apnrout pus ue0W nets lapuag autinosetu aril 3o splom (e) :luatunllsur ,Cltlnoas sup ut pasn sy •uotsInold gutloiTjuoo a111 um 100330 uanig aq two gotgm ajoN am 10 1uaiun USIA ,cltmoas sup Jo suotstno1d 101110 roam 1011 Hugs lotliuoo Irons 'M131 aigeotgddy tr11m slo!IJuoo aloN alp 10 luaunulsul ,cltmoas sup JO asnero 10 uotstnold ,rue 113 1110110 0111 ul •13s11uo0 ,Cq luatuaalge isutsge uouigtgold a se patulsuoo aq 1011 nets aouarts irons 1nq 'luaus aq luigttu 1i 10 1013111100 ,iq 00lge of sawed amt mop ,illtotrdtut 10 ,ciltotidxa 142tuu met argeotiddy •me-I argeotlddd 3o SuoIlelituij 1111E sluatualmbal Aug or loafgns 019 luatunllsul Clunoas sup ut p0utgluo3 suoilggtjgo Pure sllr rid •Pare3or sr Cuadold 0111 uot4m ut uopotpstmf am 3o mei aril pue mei le1ap03'q patuanog aq Hugs luaumllsul Cluno0s s1UJ 'u0i ;ona;suoD JO swing :,c;lrtgeaanaS :M1'j gutuaanoD 91 t,,T 1 '7 1 on a Q A "r 6A(WY) (0005) .01 Page 12 of 15 642 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 orally 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. Initials: Form 3051 1/01 LO /L L90£ w,LOj W ;;osie!i!ui 9 L 1 E L e6ed 10 15000) (AM)V9- ez •SunuoiCM jo sMEi uotldutaxa pealsau -oq agl jo anlzin Jig pus zapun slg2iz HE saniEM pus sasealaz zamozzog •saaAiUM •bZ PAW aigsoiiddd zapun pamuuad st aaj aq1 jo 2uiaiEgo aril pus pazapuaz saotnzas zop Ausd pzitil a of pisd si aaj aq1 J! 1nq `luatunzlsui Suznoas sup 2u►sealaz zoj aai a zamozzog amp Sum zapuari •slsoo uouupzooaz Ate lied Hugs zamozzog 'luaumzlsui /SumoaS snit amp.' IJEgs zapua-i 'luatunzlsui'ltznoas sup (q paznoas sums its jo luauaEd uodn •asgalag •£Z •;t o; pal ;i ;ua 'fungal suosaad .io uosaad aq; o; ssaaxa Sue (a) pull :;uazuna;sui f ;tinaas stip fq painaas stuns He o; (q) :soap ,s,fauao; ;e algeuoseaa 'o; pa ;null ;ou ;nq 'Sutpnlaul 'ales aq; -jo sasuadxa Ile o; (e) :aapao 2uTMOilop aq; ut paildde aq Hugs ales aq; jo spaaaoad aq i, .axes Sue ;e S;.iadoad aq; asegaand Sew aaualsap s;! .10 aapual •Mel aigeallddv Sq paglaasaad aauueuu aq; ui pios aq netts £;aadoad aq; pull 'axes jo aal;ou aq; gsllgnd Hugs aapual •Si uot;aas ul papinoad aauueuz aq; ul aaMOaaog o; ales aq; jo aat;ou 9,42 Hugs aapual •Mel algeagddd q;iM aauepaoaae ui ';uaaappip pI ',f; Iadoad ag; jo uoissassod ul uosaad aq; o; pug aaAOaaog o; asolaaaop 0; ;ua ;ui jo aal;ou ani2 Begs aapual 'ales jo aaMOd aq; sanonut aapual pI •aauap!Aa alai; jo s;soa puu soap ,sSauzo ;e algguoseaa 'o; pa;nuii ;ou ;nq luipnpui 'ZZ uoi;aas slq; uI papiAoad saipauiaa aq; 2utnsand ul paaanaut sasuadxa lie papa o; paimua aq Hugs aapua' Mel aigeagddv ,fq pa;;luuad saipautaa aag;o Sue pun ales jo aaMod aq; aMonul ,feel pug pueuiap aaq;Jnp ;nog;IM ;uauzna;sui S;lanaas slq; ,fq painaas sums Ile jo Ilnp ul ;uazuAed a;elpaul[u► aalnbaa Sum uol ;do s ;t ;e aapual 'aal;ou aq; ui paupads a;ep aq; aaopaq JO uo pain ;ou sl ;lnepap aq; 31 .ales pug uol;eaalaaae o; aannoaaog jo asuapap aaq ;o Sue .to 1lnepap e jo aaua;sixa -uou aq; passe o; uol;ae ;anon a Smog o; ;gala ag; pug uoi;gaalaaae as ;pg a;e;suiaa o; ;gala aq; jo aaMoaaog uuaoput laq;,zn3 Timis aal ;ou aq •,f;aadoad aq; jo ales puu ;uauzna;sui ,f ;tanaas sup ifq painaas stuns aq; jo uogeaapaae ul ;insaa Sem aal;ou aq; ul pagpads amp aq; aaopaq .to uo ;lnepap aq; aana o; aanngp ;gq; (p) pug :paana aq ;stun ;IneJap aq1 galgM fq 'aaMoaaog o; uaAi3 si aai;ou aq; amp aq; uzoap sSup p£ ueq; ssai ;ou 'amp a (a) :;inepap aq; aana o; paambaa uoi ;all aq; (q) :;inejap aq; (e) :Sprawls Hugs aal;ou aqi, •(aspuaq ;o sapiAoad Mel algeallddv ssaiun 81 uoi ;aas aapun uoi;eaalaaae o; aoud ;ou ;nq) ;uazuna;sui ,f;lanaas slq; ul ;uaunaaae ao ;ueuanoa Sue jo gaeaaq s,aaMOaaog NuZMOl1OJ uol;eaalaaae o; aopd aaAtoaaog o; aal ;0u anIS Bells aapual •saipauIag :uoi;eaaiaaad 'ZZ :smoiio3 se aazfe pus lueuanoo zagu►li zapua-1 pUE z0MOJ1Og S.LNNNgAOD YARIOJINIl t.19 l T.,. 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. Witne es: 6A(WY) (0005) 01 Page 14 of 15 A idel Delpha D. Byrd q,J) 644 (Seal) Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3051 1 /01 LO /L LSOE W10A C d t (T ie!uut 5 t l g L abed :ss Slunop uIoauIZ Lo moo) (AMId9 b :sagdxg uoissnutuoD fog/ uoszad patzzputun uv 'pziig a vudZaa I 00Z LI nzga3 Jo Lisp gag stop aui aiojaq papalnnouxau sum ivaunuisut 2utoSaio3 aq,I `ONIIAIOAAt 10 aIVIS (r, r !r'l