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Home My WebLink About87032411 1 11 66/£ LSOE wJod 0 0 0 2 .zac{ui e •9I uoilaas ui papinoid osjy are luautnoop sigl ut pasn spiom ;o aWnsn all 5uip oat sajtu uiylia3 •iZ pu OZ `8i `£I `II suoiloas ur paugap atn spiom iaglo pun mojaq paugap aiy luauinoop stgl To suotlaas ajdtljnut ut pasn spioM STEIiEZ£TTT TEt.EZ£TT $N1P /OAM 113 1 6N 3?1 ej 1!''!' 3 N N vj P. 6 a0I l "J T(1 10 00 >0:13`19 ),iNls")r: f d t(.i0Nl i 1 1 11 11 A.asa rl M a N 30 S LVSS SILL Jo smnj all iapun $uilstxa pun paztunaro NOLLrd2IOd?iO0 y st 10pual NOLI,V210dEOD HOKOZ21O14 NV,LIVHNVW HSVHO SI „aapuaZ„ (0) •luatutulsuj Sltanoas sill iapun .io$alioui at;1 si aamouog t_t 4 ROW ?Id P C 310011 4, 4.1 11, HZIIOS L6ZL SWHOA 30V011:1O1A1 dWn a(e(UuI 9l to l aged m (17066) (AM)9 IN31A111HISNI WHOIINfl OWIHd /WWNd a!Bu!S GRI2R VH SITId M NJHZS USIHUVW 'sI'I'IH r v'nivHs Si „.I3MO.LIOg„ (a) •luauinaop stgl of &lapr j jjy gljm .iaglagol polyp si gprgm luauinaop sigl sunaui luauinalsuj ,C;t moos„ (v) iOVOINOW [ma 3uWsoaaa JO aura silty aeogy aaedsl t) COL8 SNOI.LINId3Q WKHK2io VNI L :SET patndaid E LdSQ NOI3LVDIELL2is0 'IVNId NOI,LNHLLV T O Z T L K'I HO2iNOW LHH2i,LS HZ6T H,L?ION OOST NOIIVUOdEO0 HOVOL OW NVIJNHNVW HsVHO os umla�j TST17TOCO Lender's address is 7550 West Yale Avenue, Suite B200, Denver, CO 80227 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated December 12, 2 0 0 0 The Note states that Borrower owes Lender One Hundred Seventy -Two Thousand, and 00 /100 Dollars (U. S. 17 2 0 0 0 0 0 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than January 1, 2 0 31 (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 7 Condominium Rider Ti Second Home Rider n Balloon Rider n Planned Unit Development Rider 1 1 -4 Family Rider VA Rider 1 1 Biweekly Payment Rider 1 1 Other(s) [specify] 1 -6(WY) (9904) Page 2 of 15 (II) "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" mean 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 (1) principal and interest under the Note, plus (2) 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. Initials: Form 3051 3/99 1.16 r. 66/E 650E aucq [apoD diZI L Z T E 8 8uttuoICM [AID] Dams} 3o ssa.ippe at'! set' Apuazm0 tjoltM 4) 9L ;ogaBed sup JO aloN atp zapun 1uati -W se .iapuaj Aq pantaoaz luatunzlsut .tam° JO raw Cue 3t `zanamoH Aouazmo •S• f1 ut op= aq Ijet's luaumzlsui AltznoaS sup pue mom alp zapun anp sluatuIfed uopoaS 01 luensind sutall mozosg ioj spunj iced ogle Ilegs .tamonog •a1oN at'i zapun anp saazego alul pue saazego luatuifedazd (ue pue a1oN at'1 dq paouapina !gap at'! `uo lsazalut put: `Jo jedtoupd at'! anp uatlm Aed !legs iamo.uog •saS.ieg0 ale? pue 'sagaugD luatuSedaad 'small moaasd 'lsaaalul 'Iedtautad Jo luaui,fed •T :smolloJ se aaz &e pue lueuanoo zapua-I pue z3MOI10g 'SINVNHAOO IAD1OdINfl �1.iadoad jean 8ut.zanoo luatunzlsut iilunaas tuzO3tun a a1n1t1suoo 01 uotl0tpsunf ,iq suotluuen palttutl t'11M slueuanoo uuojtun -uou pue asn jeuotleu z0j slueuanoo uuo31un sautqumo ZN3YAIf1II.LSNI A.LRIf03S SIH,L 'moat Jo sa0uezquinoua /Cue olloafgns `spuetuap pue stutelo Ile lsute2e M.tadold at'! 01 app aq1 AIle.taua8 puajap !pm pue sluezzem J MO1zog p.to0az Jo saOuezgtunoua ioj ldaaxa `pazaqutnouaun st Suadozd at'1 letp pue Al.zado1d at'! Aanuo0 pue 1uez2 `a2e21 otu o1 lt'$tz am set' pue pa,fanuoo Agazaq alelsa at'! Jo pastas Jlln3Mel st _MMO11Og 1eg1 S.LNVN3AOD 113MOII2IO3 „•Ifuadoid„ am se luaumzlsui'ilunOaS still ut 01 paumaa st 11!020.10j aq1 3o jId •luaumzlsul 'CltznoaS sup Aq pazano0 aq ogle Ilegs suoptppe pue sluatuaoeldat jjd Suadozd at'1 jo ued a ialjeataq zo moil saztilx1J pue `sa0uuuaundde `sluatuasea Tie pue `Auadoid at'l uo pal0aza zal3eazaq JO MOU sluautanozdui] am Ite HIIM 2IaH1,3DO•L uotgdTiosaa Ta6aZ patlaaqw aaS HNA`dHI GVO2i dOO'I aaISTIIH iv9ZT 00TOOTOTZT6T££ZT (v066) (AM)9- „ssazppd iivadozd :.taquinN GI paled [uouaipsunr 8utpioaag ;o auteN] [uoun(psunf Suipioaag ;o ad,ijj N'IOONI'I JO ALNllOO ag1 ut pale00j Auadoid paquosap 2utmojjoJ am `ales jo .taMod 1 !M `su8tsse pue SJOSSOOOns s,zapuai pue zapual 01 ,fanuoO pue luez2 `a$e2uotu Agazaq saop zamoUog `asodznd sup zod •a10N ag1 pue luatunzlsul AltmoaS sup zapun sluatuaaz8e pue slueuano0 s 3o aaueuuojzad at'! (q) pue :mom a suotleompoui pue suotsualxa `sjRMauaz jle pue `ueo1 a 30 luauiSudaz atp (e) :zapua' o1 saznoas luatunzlsul /ilunoaS sttl,L A,L2IddO71d dHI NI S.LHORI AO 21 JSNV' LL •luaumzlsul Alunaag sup zo/pue atom am zapun suotle8Ijgo s,zamozzog patunsse seq died leg! lou zo zaglagm `Auadozd 0q1 of app uavl seq 1eg1 Aped Au stream „aamoaaog 3o lsaaalul ut aossaaanS„ (d) CD -61WY) (9904) Page 4 of 15 (9 o 3 n:_AA.) 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(s) or partial payment(s) if the payment(s) or partial payments are insufficient to bring the Loan current. Lender may accept any payment(s) or partial payment(s) insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment(s) 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(s) 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: (1) interest due under the Note; (2) principal due under the Note; (3) 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 Initials: Form 3051 3/99 .18 6 66/£ 150£ umod ai[1 auIXJtluapt 00I1OU E .IOM0110 (OAI2 i(EUI Japual luauttursul IC1urOas spy Jano Aluoud uIE11E UE0 ip!Ljm tzari g o1 loafgns sr 1(uadomd 0111 jo Ind Sue lug! sauruualap .iapuai ji •luauinilsul ,ilunoas srgi or uati atl 5upeurpmogns Japual or £IoorjstlEs ruatuaaar uE uatj at1 Jo Japjoq am tuoJJ saJnoas (0) 10 :papnpuoo aJE sautpaaooid tons jtlun Mitzi lnq `5`utpuad aiE aurpaa0omd asogl aitgm tzar! alp JO luauua3JO3ua ag1 luanamd or amado uoturdo s,Japua-1 ur roam s &utpaaoomd .regal `ut uarr am jo luatuaomojua 1surar spuajap Jo `Aq gr!rj pooS ur uarr ag1 slsaluoo (q) :luatuaadu tons gutuuojiad st Jamomiog sE S'uoj os Arm 1nq `Japual o 1 ajgEldaoor JauumUm u uI uatj 0111 Act pains uoparrgo ag1 jo luauard am or 5'uriu, ui saadg (u) :Jamonog ssaltzn luauttulsui 'Clunoas sill1 Jan) 1Cluoud suq totgm uarr /(ur aiUgosip Ajldui)md !!Ells Jamommog uonoaS ur paptnomd Jammu am ur utatp Aud !!Eris iamonog `suial j mama OJE sivalt asagi imp lualxa alp od, •Atue Jr `sluauissassy puu `saad `sang uoiwioossy I uunuuuuop puu `/(uE 11 'filmdom at1 uo swat punOJW Jo sluauaud plotasuaj `luauxtu1sul Allmon sigl JOAO 4uoud UMW uEO on SlIOdo1d 0111 01 alqulnquuu suorlisodutt pug `saui `samug0 `sluatussassu `saxul Br /cud !Legg Jamonog •suafl :sa irgD •b •1apua7 Aq Plat spund Afar Jamommog or puma.' ,C1ldtuomd Hells Japual luatniulsui ,ilunoaS stgi iCq painoas sums 11e 3o 1tn3 ur luauaud uodn sluatu&ud Ajtluoul anlaml uutl amour OU ur 1 nq `VdSd2I gltm aODUpmoOOE ur Souapgap at1 dn wIEUU o1 i iEssaoau lunoure atl Japual or Cud IIEgs Jamommog pug `VdSg11 paJtnbai Si JOM0mm0g iCjilou 11Ets Japuai `NdS12I Japan pupa!) sg `MOJOSO ut Nag spund Jo Aouatotjap u st amp JI •sluaiu1Cgd 'Clriuoul anlaml tretl aiotu ou u! inq `VdSg2I Ttm aouup.I000u ur a2Euogs at1 dn a}lutu of rssaoau 1UnOTLm at1 Japuai or Cud rims Jo/ mmtog pug `bdSg21 Aq pairnbam se iamoziog JCJrlou dulls Japual `ddSa2I Japun paUHap su `MOJosa ur Nag spund Jo akuuogs a st atom JI 'ddSg2l gIIM 03uup.10031 ut spund ssa3xa at1 J0J Jam0mm0H 01.lunoZOU Hugs Japual `VdSg21 Japan pautjap su 'mama ur play! spund Jo snidmns E sr °Jag! 3I ddSa2l Aq paitnbai se spund a111 JO 5upunoO E junuur Uu 'amp 1notl!M `JamoIog O1 anti Hugs Japuai spund am uo ptud aq iiEgs 1sa1a1ut 1E `JanaMOq Iu!l!Jm ui aaJ5g 11E3 Japua'j puE JaMOJJog spund am uo S2U1U1Ea JO lsamalur t(uu 1OM011Og Sud o1 paitnbai aq IOU Huts Japual `spund at1 uo piud aq of lsamalut sairnbam /AEI algeorjddd Jo ui1!JM ut aputui sr luauuaaaE uE ssalun •aVmgto u tons 031EUI o1 JapUai snuuad Awl ajgEotiddy pue spund am uo 1sa1alur Jamoziog &iud Japua-j ssaiun `sivall Mo1OSa 0111 VurAC3uan J) 'moon Mo1OSa alp 2urzAieuu i(Hunuue `spund ut,iidde puu 2utplot JoJ Jamommoa aarrg3 1ou Hugs Japual 'NdSa2I Japan pagtOads aunt am Uut1 Ja1u1 ou stuall Mo1OSg aq1 ,iud o1 spund ati ,ijdde Huts Japua• •3jura uroei atuog ieJapad Aug tzt 10 (painsur os air slrsodap asoIM uofnlrlsut tre st Japual Jr `Japual 2uipnput) Altlua J0 `Amertrauuiulsur `biro u puuapaj u Aq pamnsut aJU slrsodap asotm uot1n1!1sut LIE ur prat! aq Hugs spund a LL .Mr-. ajggoriddy mph aouep1000E Ur as1MJatlo Jo small mimosa amnittj Jo samnitpuadxa 3o salgtutlsa aigguosrai puE elup maxim jo stsgq at1 uo anp spund 3o lunoiur at1 a2Etutlsa huts Japual •ddSg21 Japan gimbal UV Japual E lunotuu uununxt:uu am paa0xa o1 1ou (z) pug Japan pagpads aural am 111 spund alp Aiddu or Japual uuuad or luatoH3ns (1) lunoum ur ut spund plot pug 1oa11o3 `au Sur 1g `Amu Japual uoroas stgl Japan pairnba1 uatl ajg Imp `siunoure tons ut pue `spund 1te Japual 01 Ard HEts Jamommog `uotlWoonaI tons uodn `pug S1 worms t1tM 00uupmo3oe Ut Uani aatlou E Aq amp t(ue 1e sivall mama 1111 Jo Atre o1 sr JO'AiEM at1 a}1ona1 Amu Japual •lunoure tons Aug Japual or Ada' or 6 uop3as Japan pala1igo aq uatl Huts mam0JJOg pug lunotul tons Aud pug 6 uotloaS Japan sp151J s11 aspmaxa Amu Japuai 'mu mimosa us Job anp lunotug 0111 /cud or shed JaMOf0g pug `Jantem E or luunsmnd `SC11oartp sitzalj mimosa Sul of palu$tlgo st Jamommog JI •6 uotloaS tit pasn sr „luatuaadu puu 1uEUanoo„ asEmgd am se `luaiun1lsul 'C1rJnoas sttl ur pauteluoo luatuaaae pug mew/too u aq or patuaap aq sasodmnd iiE Jo; nets sldtaoa1 aptnomd o1 pur s1UatuAud tons alum 01 uopugligo s,mamoiiog •aumbam Amu Japual sE pouad atutl tons uttltM luauiAud tons 2urouaprna sldtaoa1 Japual or tsttun3 Huts `sannbai mapuai 3! `pure mapua -1 Aq pantum uaaq sell{ spund 3o luain/Cud tatgm Jo3 sivalj mimosa ,Ctre Joj anp :seRut 91 ;o 9 e6ed (17066) (AM)9- -6(WY) 19904) Page 8 of 15 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: (1) a one -time charge for flood zone determination, certification and tracking services or (2) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security'is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with Initials: Form 3051 3/99 1 T• T 66/£ ME W401 alguuosuai 2ul/Sud pue `unoo ul 2uuuadde (z) `1uarntulsui Alunoas sigi lano A;tloud seq gopim uati a ,iq pampas sums dire (I) 'ol palnuil lou are lnq `apnioui two suotloe s,iapua7 •Xuadold 0141 2uutedai s0 /pue 2uunoas puu `Auadold a141jo amen uissasse to /pue upoalold 2ulpnioul `lualutuisui Ilunoas sltl lapun slg2u pu13 1ivadold am ul isalalul s,iapuaj 10a1oid 01 awudoldd13 s0 ajgeuoseai sl 1ana113gM ioj ,Cud pure op Aetu Japuai uagl `Auadold pip pauopuuge seq 1aMO11og 10 `(suotlei(12a1 10 sMUI 00103130 01 .ro luatunllsul AlunoaS sits 1ano Aluoud mum Arm gatgM Uatj 13 JO luatuaoloJua 103 `alnllapo3 JO uoinEUl13apuoo .io; `a113gold `Xoldnulueq w 3utpaaooid 13 se lions) luaunuisul Alimoas slgl iapun sig2u to /pue Suadold 0141 u! Isamu! s,zapua• 10033E iijlutoplu2is 1q 2m1 1Etl 2utpaaooid IE2ai a si wain (Z) lualutulsui Allmoas sttll ut paul13luoo sluauIaaI 13 pue sltreuanoo 0141 uuojlad o1 situ iaMO.uog (j) 3I •luaumausui Swims scq; aapun s !U pue ,fl.rado.1d aq; uI ;saga ;ui y3puari 3o uoilaaload •6 •a0uaplsal iedlouud s,laM011og se iivadold atjl jo Aouedn000 s,10M0110g 2ululaauoo suo!1Eluasaldal `ol pallw j 1ou a1u 1nq `apnjout suotlRluasaldal 113ua113N uuc i 0141 g1!M uolloatruoo ut (uoilutuloju! Ieualetu tpIm .rapual apin0ld o1 palm lo) lapuaJ 01 sluatua1131s 10 Uol$EUUO3Ui al11noo13U1 10 &ulpeaISTUI `asie3 Xtteual13lu ane2 111081103 10 a2pali0tnl s,1aMO11og tp!M 10 1aMO11og 3o uoil3aI!p 3t1 113 $13!1013 saililua 10 suosiad Witte 10 1aM0110g `ssaooid uot2e31Idd13 U °1 uunp `31 ijnejap u! aq Hugs 1amonog •uoileagddy ueo-i yaM0.uog •g •asn10 3Ig13uOseal tons 2mAjtoads uoiloadsui 1o!a1U1 1313 'Lions 01 loud 10 30 au atl 113 a)ilou 1aM0110g anti Iwo lapuaJ •Auadold aql uo S1U U1anOldtul all 30 10!)0)13! 0141 loadsu! 1113th lap1177 `asn13o aig13Uosuoi sell 1! n •xuado1d 0141 3o suouoadsui pue uodn saulua algeuoseal a)JEtu ti13u1 luau sll 10 lapuai •U0i113101S01 10 1ledai icons jo uoiaiduroo at1 1o; uoiMiigo s,i0M011og 3o panaiial lou s! 10MO110g `,ivadold alit 0101sa1 10 1413(101 01 luaIoujns 1013 ale spaaoold uotlutnuapuoo 10 =mum! 3141 31 •palaidwoo sr )!1oM alp se sluaulA13d ssaBoid 3 sauas a u!.10 2Uatut(13d 0j$UIS a ui u0pe101sa1 pue sltudal alp lo3 spaaoo1d asingsip Auto lapua'I •sasodlnd Bons 103 spaaoold paseaia1 seq lapua'-I 3l Aiuo Auadold 0141 2uuolsal 10 2ullredal 1o3 aigisuodsai aq )lugs 10M01101j adold 0141 `3o 2upiel 0141 10 '01 ag1tuep mph uop0auuoo ut pied an spaaoold uol1Etnuapuoo JO aoU131nsur 3 •a$eluep 10 uotl131ol1a1ap laqun3 plon13 01 pagetulp 3! AUadold alp iiedai iCilduIold Hells laMollog `alglsua3 iijleolulouooa 1013 si 1301113101S01 10 1113(101 legs S uopoas 01 luenslnd pauIuualap s! 2! ssalun •uoutpuoo s1I o1 anp amen 131 gu!s13a10ap 10 5u11131o11alap map Auadold 0141 luanald 01 1ap10 ul ifuado1d 0141 tquel EW Hugs 1amouog `AUadold 3141 u! Ulplsal sl 10M011Og 1013 10 10141014M •Suado1d 0141 uo aisRM 11)1313100 10 a1131oua1ap 01 Auadoid a141 MORE `Auado1d agl lledlul 10 3g1311113p `if011s9p 1013 !legs 1aMO11og •suol;aadsui :S;aadoad 0142 3o uollaa;oad par a0ueua ;u4eytl 'u0i ;eAdasadd •i •Iolluoo s,lamonog puoiiaq 3113 tloigM istxa saouelstunollo guilenualxa ssalun 10 `piatltlUM Alquuos13alun aq lou imp IUasuoo gopim lut1I1M ul saaae as!Mua14lo 1apua' ssalun `,Couudn000 jo a113p 3141101313 .read 01301sEal 113 103 aOuaplsal IEd!ouud s,lamollog se ,fuadold 0141 ridn000 01 anutluo0 hugs pm luatutulsul Alt1no0S sit1 3o uoilnoaxa 3141 1013e &S up /Cixls ut141!M 3ouap!sal p diouud s,l3M0110g se /Cuad0ld 3111 asn pue `14si1g131sa `Sdn000 hugs 1amouog •Souednoo0 •9 •anp 130!1 lou 10 10141a14M luatutulsul ,ilunoas sit) 10 aloN 0141 lapun pt13dun wino= /Cud 01 10 S11ado1d 341 aIolsa1 10 1113(131 02 latlia spaaooid amen atll asn 1apua1 &uadold ag13o ag131an00 atg o1 alg13ol4dd13 ale s14S11 tons s13 sepal! 'Auadold am $11p0A03 sal0liod OOUE11SU1 II13 lapun (1aMo11og ,iq pied stunituald paunaun jo punjai ICU13 01 114$)1 3141 u13t1 131410) s114241 s,lamollog 30 101410 tine (z) pug luaumllsul iClunoas spp 10 aioN 0111 lapun mud= slunotu13 all paaoxa 01 1013 113notue 1313 ui spaaoold aouelnsul Niue 01 s1t2u s,laM011og (4) lapuai 01 satsse ,iga1al lamollog `aslnuatlo 10 ZZ 110l1o3S 1apun Auado1d all sallnboe lapua-I 314 10 'luana 101p10 uI •uanl2 sl 00))013 all ua4M ul2aq 111M pouad Aup 01411 •11113)0 atll alms pue 0113!10 au Amu lapua-I 130!1) `1314134013 alms 01 pa1a33o x11410!11130 a0ue1nsul am 113141 1apua1 131013 a0liou 13 01 Shp 0£ upp!m puodsai lou saop 1OM0110g 31 •513111301 pa113131 pue 13)113!0 aOtrelnsul alg1ilun1 tiu13 a111as pun 311341oSau 'am Amu lapua1 `Auadold 0141 suoptrege 1aMo11og 3I •Z uoll0as ul 103 papinold 1ap10 0141 ul paltdde aq !tugs spaaoold aoueinsu! gong •1aM011og 01 pled 'Aug J4 `55303(0 3141 5l ;o L e6ed (Voss) (AM)9- -6(WY) (9904/ Page 8 of 15 1 2 r'), 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 the 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. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds 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 Miscellaneous 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 pay for the repairs and restoration in a single disbursement 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 Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured, by this Security Instrument, Initials: Form 3051 3/99 C I 66/£ 690£ WiOd sitp 5utua!s -03 st (13) „Saats -oo„ e) aloN 0111 ainOaxa Jou saop inq luatutuisuI Ait.Inoas sip Su$IS -oO 01M 13M0110g Aug `10AOMOH jUanaS pug 11130(' aq Hugs Alijlqulj pug Suolidijgo S,laM0110g 2131”) saal$e pug Slue110A03 1aMO11og •punog Su3tsSd put saossaaans !saauats -03 :,f ;tuqunZ IMIOAOS pug 1utot '£T 'ripatual so 11"531 ,due 3o asplaxa 0341 apnpald 10 30 10At13M 13 aq IOU jjgtjs `anp uatp lunotig 01"1 uutp SSal summit uI 10 1aMO11og 30 Isalalu' ut s1ossaOOns 10 saptlua `suoslad pliiji 311013 maul/cud 3O aouulda0o13 s,1apual `uopequ j lnoijitm `2utpnput Apauial 10 upp ifuu 5u!splaxa ut lapua j iq aauglgagio3 SUy '10MOl1Og 3O'salalu' ti! sloSSaOOns Aug 10 1aMO11OH 1gut2t10 0111 iiq apgui puewap Aug 3O uosgal Aq mutating A1uri0as siq palnoas sulns alp 3O uotlgztuoiug Am= asytua1" o 10 luatuiC13d 1O3 atu!J puaixa Ol asnpal 01 10 1aMO11og 30 Isamu' u! lossaoons Aue isuteRe dutpaaoold a0uaunuo3 of paltnbal aq lou 'Tugs lapua'j •1aMOfog 3O isalaiuj ut.S1OSSaoons Ate to 1amonog 3o Aug!! 0111 aseajal 01 aiglado iou Hugs 1aM011og 30 1S01aiuj ui lossaOOns Au 10 1aMO11og 0 lapua'I Xq palugd 2uatunl1SUj Cltlnoas Sttjl t(q palfOOS sums 01413o topurtuOtu13 3o uotlRompoul 10 111aulSed 103 atu1J atjf 3o uolsuaixg •aaA1IM 11 loN aapuaJ At{ aaugataglo3 :pasuajag foN aaMoaaog 'zJ •Z uopOas ut 103 papinold 10pio 0111 u! palldd6 aq 11utjs Ailadold alp 30 lteda1 10 u011131o1Sa1 01 patjdde 1011 ale imp spaaaold snoaUe1taosty41 11d •lapual o1 pled aq Hulls pug pau2tssu Agalaq al13 ttuadold 0111 ut 1Saiafut s,lapua'j 3O luauut13dtut 0q1 02 ajg ingtlne ale 1131"2 Sd1W13p 1O3 tutee 10 plume Cue 3o spaaoold 034,1, •luauinlisul'lun °as S11"J lapun S1 11 10 iiiladold aqi ul isalalu! S,lapua13o luatultedtut IRual13tu 103410 to Atiadold aL 13o a1n1ta3103 sapnpald luatugpnf s,lapua7 u! '1131 1 2utjtu 13 121M passtuislp aq 01 2utpaaoo1d 10 UO1131 uisn13o `C1 u011Oas ut paptno1d se a1131sulal `palltl3OO set! u0t2131apoou 3t `puB 2jn133ap a tons aim two 1aMO11og 'lua1un11SUl A2!1noas stiff 1apun Sigs11 10 i11ado1d 0111 III Isamu! s,l0pual 3o luattutedw! 413110113311 101"20 10 Aiodold am 3o am ut llnsal moo `2uatuVpnf S,lapuarj u! `16341 unVaq s! `j13unuuo 10 jtAlo 1atpatjM l'utpaaoold 10 WOt1013 Witte 3t linuJap ui aq 11gtjs 1aMo11og spaaaold snoativiposm 01 p113�a1 ut u0p013 3o 1g2p 13 se1" 1amo11og tuo1"M 1stude Spud am 10 spaa001d snoaut:jla0Stj^! 1amo11og SaMO 1131"1 A1113d pimp alp SUE= „Ailm13d 2utsoddo„ 'anp uagl lou .10 1atj101M `Juauttulsuj Altlnaas stiji palnoas stuns am 01 10 Avad0ld atjl 3o pedal 10 uot2131o2sa1 01 101 110 spaa001d snoatiejja0sm 0341 R1ddu pu13 POa11OO 01 pazpotjing st 1apua'I `uan!2 si 0012011 0341 amp 01"1 101313 sAup utt4ItM 1apua"I o1 puodsal 01 S1t133 1aM011og `sa;13tu13p 103 tureo 13 alms 02 plume 1113 03113ut 01 S1a330 (001101u3s 1x011 01"1 ut pauiJap 513) i211ed ;lulsoddo a1"1 113341 1aMollog of lapua'j a3tiou 101313 `3t 10 `1aM011og ttq pauopuegg Si Auado1d 0112 Ji 'anp uat11 0113 stuns a1"1 10 1ag2agM luatutlisuj 1ilt1naas st1"1 palnoas sums a1"1 01 patjdde aq tj131s spaa0Old Sno0u131100Si1^1 0111 `;Iut1t1M ut 001$13 asiM1atpo 1apua'j pug 10M011og ssajun `amen u! ssoj 10 `uot10n1Jsap 113p-ed 0341 alojaq A1a113tpaunut palnoas stuns ate 30 lunout13 am 1113 ssaj s! anj13n u! ssoj 10 `uot1OfU1sap `2upj131 jei2led 0141 aiojaq Atalglpautult s 21ado1d amt 3o amen 10)411311( 11133 alp 1"O11"M u! Allado1d 01"2 3o anjen 111 ssoj 10 `uot1OIUisap &11!}1131 413tu13d g 30 Juana 03 11 11 I '1amO11og 01 pt13d aq 1113gs 0011134131" kuy 'anjen u! ssoj 10 `uoU0n11sap `Wup1131 113!2113d alp alojaq Ajaletpaultut I11ado1d 0141 3o awn laJputu 11133 0142 (q) q pap!Alp amen to ssoj 10 `uotlPnilsap `$ut)jgl 113t1113d 0141 alojaq ICpl13ipattttut palnoas stuns 011 3o Juno= 12101 0311 (e), :uop01313 ;lu1Mo11o3 0341 patjdtijnut spaaaold moat ltaOS!N a1"1 3o Junoul6 a1"1 riq pampa' aq t uqs 1uautnllsuj *moos gm. ,iq palnoas stuns all `2utlt1M ut 001313 as!miatjl0 lapuai puB laM011og ssajun `amen ui ssoj 10 `uoj1Oritlsap 1gti13d alp alojaq A1a16lpattnii! fuatunl2SUl Alpti0as stg2 ,iq palnoas sums a1"1 3o Junoui13 0342 11131"1 10113013 JO 01 j13nba st awn u! SSOI 10 `uo!IOtufsap `3uptei 113p113d age =Jag Aja2eipatuWt Ailadold a1"1 3o awun 20X113111 ltg3 x1"1 g0!ijm ut 1uadold ammo amen u! ssoj 10 `uopOnllsap `3uT1131 lutuud g 3o Juana 01"1 ul •10M0110g 01 pied 'Aug 3t `SSOOXO 0111 111!M `anp um1"1 1011 10 1a31agm luatnulsuj Alllnoas stgl Aq patinas stuns 011 01 patjdde aq nulls spaaaold snoaugjlaOS!N 0111 `Auadold am 3o anjen u! ssoj 10 `uotiOnlisap `3ul)j132 113102 g 3o Juana a1"1 III 'Z u011Oas u! 103 pap!AOld laplo 01 1 ui pallddg aq Hugs spaa001d snoau13jjaosm lens '10M0110g 01 pled 'Aug 3t `ssaOxa 0341 gum `anp 110311 1011 10 1at11a1M 7 4 91 10 6 e6ed (17066) (AM)9- -6(WY) 199041 Page 10 of 15 -_1 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 snail 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. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Form 3051 3/99 124 SF,T 661£ L90£ "OA :split"! 9 I L L Geed (v0661 (AM99- VdSd2I uollruuojut 1aiio Aue pue aprui aq pjnogs sluatuArd gotii of ssaippr 0111 `Ja °jnlas uro-1 Mau ail JO ssarppe pUe alum' ail arms or" goigm amp aql jo aojlou uaf 1M uanig aq rum JOMOJJ0g `1aornlas Ur01 Girl Jo amp a Si a10i1 •020N alp Jo Olrs r of palrjalun mown uro7 air Jo sagurg3 or= 10 auo aq Writ' osir anti' •Me'j ajgrojjddd pur luaumllsuj Alunoas sup `aloN all rapun suorlmgjjgo gum/ins ueoi agegliour imp suuojiad pur luaumJlsuj Allmon sup. par aloN all Japan anp sluaur ird morn spOajjoz lrgl „Jaopuas uro'„ all se uMoul) Aiwa Girl uj aguego r uj ljnsa1 ligjur ales d •ramo11Og of aojlou Joud lnoglt/A sauul Glow Jo auo pjos aq uro (luau ru2sul rClunoas sup g2!M Jailagol) aloN 0111 ut lsalaluj jegird r .10 a1oN ag,j, •aausnatao 3o aa11oN :aaolnlas uBO'T Jo aguug3 :a;oN jo Gres 'OZ •gj uorloas JOpun uojleiajaooe jo asrO 0111 uj S idde lot ins alelsujar of lggr1 srgl `JanaMOH •paun000 peg uojle1ajaooe ou jr se 0nj1O1JJO zCjjnj Utrr101 Timis r(garaq pampas suojlegjjgo pUr luaurnilsul Allmon soil `Jamozrog Xq luaUualulsujar uodn •10JSU 1J, spund OTtol2Oajg (p) 10 ,iljlua 10 Jii!Tulaaum11SU `ri3Uagr Irrapaj a Aq parnsuj ale susodap asogM uotlnljlsut ue uodn wimp st ratio irons rile paprnord 'patio s,lajgsro Jo lo0go s,1alnsrall `raw 3jueq 'vow pajwrllao (o) 'Japmo Amour (q) `gsro (e) :Japua-j ,iq paloajas se `suuoj gumMOTjo ail jo Grow 10 3U0 u! sasuadxa pue stuns ruaUlalmisujar gons Aed JOMO.uog legl aunbar Amu Japuarj •pagurgoun anuuuoz jjegs luauunllsuj rilunoas sun Aq parnoas stuns air; drd of uoj;mgijgo s,lamorrog !me `luaUunllsuj J Ulnoas sup Japan slggt1 pur AUadoJd ail uj valour! s,Japuoi irgl alnsse of arjnbar rCjquuosrar ecru Japuai sr uojldr gons Sa) 1 (p) pur `luaUUnJlsuj zilunOas sup Japan slggrr pue Arrado1d all ut lsalaluj s,1apua-j guj2Oalord jo asodlnd air; 10j paJJnOU! saa3 Jaglo put `saa3 uoilenjen per uojloadsuj Aiiadord `saaj ,srCaurolle ajgruosrai `0l paljtujj lot lnq `gujpnjout `luaUmhlsuj'Cljlnoas sup gu!O1OJua m parxnour sasuadxa ire sAed (o) :sluaivaalgr Jo slUeuano3 Jaw 'cur JO ljnrjap ,fur sa1f3 (q) :paun000 peg uorwrajaZOr ou ji se aloN aql put luaurrursul rilunoas sill lapun anp aq pjnoM '0112 iOitM stuns itr Japun Sid (m) :Jamouog re111 ale suopipuo3 asoq,j, •luauuulsuj Allmon sup guIOJO3ua ;uauugpnf r 30 Aiwa Or!) JO :01r2SajO1 01 1g211 S,1aMOJJOH Jo uotleujuual all Joj rijiOads 111giur Mr-1 ajgrogjddd se pouad Jailo irons (n) `luatnu1suj Alunoas sill uj pautrluoo ails jo JaMod Aug or lurnsind rfuadord aql jo airs =Jag srcup anti (r) :Jo lsatjlua ail 01 loud aunt Au lu panuj;uoOSjp untutulsuj rilrmoas sill jo luauraOroJua anug of ligu air; anrq Hugs JaMO11og `suopjpuoo ujurra3 slaatJ 10MO110g 3j •uoj ;eaajaaod aa;3\ a;ulsujag or ;ggjg seraMOlJOg '61 •10mo11og uo purtuap 10 aojlou 1ai11nj lnolliM laaum1lsuj rilunOas sup ,Cq paujuuad sarpauuar rile op/till Firm Japua -j `pouad sup jo uojlrijdxa Girl 0l Joud sums asagl gir of siir3 JamorJoEr jr •luaUUUJlsuj JC;unoas sup rCq parnOas sums Hu rCrd lsnuu 13m0JJ0g gorgM utgltp S I 1109O0S 1111M 03Ur111000U ui uanrg s! aojlou 0111 alep ail U101 SArP OE Ugl ssaj lot JO pouad u apjnold Hr11s aojlou air •110r2e1aiaOOr JO aojlou Jo/mama anjg Hugs Japua-j `uojldo sun SastOJaxa 1apua-j jr 'Mrj jrlapaj ,iq paljgjiord s! aS O1axa gons Jr Japua7 rCq pastOJaxa aq lot jjegs uojldo sup `Janamog •luatuulsuj 'Cl sun rfq pampas sums or Jo rug ut luatuArd alrtpauuun aunbai Amu Japua luasuoO =rim Joud s,Japua-j lnoguM (paJ1aJsur.1 pjos sr 1 M011og uj Isamu! Irjogauaq a par uosiad !mum r lot sr Jamo.uog Jr .10) paJJaJsue11 Jo pjos sr J1Jad01d ail uj lsalaluj Aug Jo C1JadoJd ag1 JO 11rd Sur .10 Hu Jr •Jasutj ind g of amp a1n1n3 r lr Jam0110g ,Cq arm Jo 1 Jsur11 a111 sr 11OjgM Jo wall! ag1 luau1aarge MOJOSa 10 13e111103 saps luaurTjr;suj 'pap Jo lar1luo3 `poop J0J puoq r ur parraJsUe11 slsa'alaj jrtMgauaq aso111 'or pauunj lot lnq `gurpnjouj `rilladord all ur lsalaluj jrjor auaq 10 jrgai riur steam „Arrado.d ail u! lsalaluj„ `81 uoj2Oas suit u! pasn sy •aaMOJ.iog ui ;sacra ;uI jejorjauag a a0 Alaadoad aq; Jo aa;suua,L •81 •luatunrlsul rCljlnoas snjl jo pur a1oN ag13o Moo auo uanrg aq jjegs 1aM0110a •,fdoD maMOaaog LI •uopor rfur a3 E1 of uofrgrigo rCue 1n0g1jM uojla1OS1P ajos santg „Jirur„ prom Girl par `RS1an aOjn pur jrinjd ail apnjouj par maul jirgs mauls 0111 uj sp10M (z) `Japuag aujuiruaj all Jo sp1oM Jo sp1oM 10111011 gujpuodsallo) apnjout pue ueaUU jjegs Japuag auijnOSRW ail Jo sp1oM (1) :luaUmJlsuj ,CljmOas sup at pasn sy •uotstnord gut2O1T3uo3 all 1noqum papa uanrg aq uro L PrTM aloN ail 10 1UODUnuISUj Aluna0S MD Jo suoisrnord Jaglo pour 1ou [pis 2Ojj;uoa gons `MRZ 1 2 6 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(s) 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: (1) "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; (2) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (3) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law and (4) 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 (1) that is in violation of any Environmental Law, (2) which creates an Environmental Condition or (3) 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 (1) 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; (2) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (3) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. -6(WY) (9904) Page 12 of 15 Initials: Form 3051 3/99 l ZT 66/E LSOE uuodi s l la E t 96e (vo66) (AM)9- CZID •2unutocM jo smut uouldmaxa pualsauuoq aqi jo anutn Sq puu aapun slq u Itu santum puu sasuatai aamoaaog •saantnM 'bZ M 'I atqu3Ttddy aapun pailTU.uad sT aaj aqi jo 2ulatugO aqi pue paaapuaa sus aoj Sued pipe u of mud sT aal ag13I Spa mg luautnuisul Slunoas sop gutsuataa aoj aaj u aamouog ag.mtla Suit aapua-I •slsoa uoilupzooaa Sue cud hugs .tamouog •luautnalsuI S;IanaaS sup aseatai netts aapuarl luautntlsul'1unaaS sttp Ai pampas sums Ilu jo ivautcud uodn •aseapu •£Z ;I o; pal;pua Suaal suosaad ao uosaad agt o; ssaaxa Aug (a) pus ;uautna ;stg c ;panaas spit Sq palms stuns He o} (q) :saaj ,sSauao ;te algeuoseaa 'ot pa ;tutu uou ;nq 'gutpnpup 'ales aq; jo sasuadxa Iit o; (u) aapoo 2u1MOHoj aqt ut papldde aq Hu ales aqt jo spaaaoad aqZ •aces SUB ;u S;aadoad aq; asegaand Sum aaugpsap stt ao aapuaZ •Merl atgtallddd cq pagpaasaad mum= am ut p(os aq hugs c;aadoad ail put 'ales jo aattou aq; gstlgnd !tugs aapuarl •SI notpas ut papinoad aauuuuu aq; up aaMOaaog 04 alas aq; jo aaplou anpg Hugs aapua' *Awl atgeagddy q;pM aauupaoaau ut ';uaaa33tp 36 'Staadoad all; jo uotssassod ut uosaad aqt o; puu aaMOaaog o; asopaaoJ o; matt! 3o aapou anT2 (lugs aapua' 'a(us jo aaMod aq; sanonup aapuarl 3I •aauaptna aim jo susoa puu saaj ,scauaop ;e alquuostaa pa ;tutu uou ;nq 'gugpnlaul 'ZZ uopaas spit ut paptnoad sappauiaa aq; 2utnsmd ut paamaup sasuadxa Its papa o; papp ;ua aq hugs aapuaZ At algeaHddy cq pal ;putaad satpauuaa aaq ;o Sue puu aim jo aannod aq; a)(onut Sum puu putuuap Jagtanu root ;p t uuauuna ;sal clpmaas split Sq paanaas scans Hg jo Hui up tuautSed atutpaututt aatnbaa Sulu not ;do s;I ;u aapuarl 'aatlou aq; ut pap3Pads ate!) ag; aaopaq JO uo Rana uou st ;Inujap agt JI •ales puu uotleaapaae o; aaMOaaog 3o asuapap aaq ;o Sue .10 ;(neJap u jo aqua ;stxa -uou aql ;aassu o; uopae ;anon u gulag o; ;ggua aq; puu uoptaalaaae aatju a ;utsutaa o; 10p aq; jo aaMOaaog utaojut aaq;an3 Hugs aapou aqj •Staadoad aqt jo alts putt tuautna;sul Stianaas spit Sq pains sums alp jo uot;eaalaaau up ;Insaa Sulu aapou aq; ut patjpads step alp aaojaq ao uo in8Jap aq; ama o; aanlpuj tutu (p) puu :paana aq ;snip ;Inupap aq; gaugt cq 'aamoaaog o; uanp3 st aapou ag; a ;up aq; woaj scup o£ uugt ssal uou 'atup u (a) ;Inujap ag; aana o; paatnbaa not ;an ag; (q) ;In8JaP ag; (u) :Smaads Hugs aapou aq,L •(aslMaaq ;o sappnoad Awl alquap(ddy ssalun gl uopaas aapun uopeaapaau o; aopad uou ;nq) uuatuna ;sal Alarms spq; up tuatuaa.au ao ;usuanoa Sus jo gaeaaq maMoaaog gutnt top;uaa(aaau o; aopad aan►oaaog o; aapou anti Hugs aapuarl •sappautau :top ;uaalaaay •ZZ :smottoj su aadu puu lueuanoa aaqunj iapua-j puu laming •SINVAIHAOO NIlIOdINf l-NON Witnesses: SHARLA J ELLIS C)-6(WY1 tsso4) 1 1- (Seal) Borrower Page 14 of 15 ST N W. ELLIS 0 j.J�4 i� u4..t1 H�,A "•q'_ 1 4 8 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3051 3/99 T 66/E Lso6 mod :ss A3uno3 S1134 11.11 ollqnd gl gl othd (b066) (AM)9- HY-U 10 3.1.Y.LS 5 1 HOW.1.4 S3111dXil Noispiwwoo CO 11 ill "Dn'S **AV PuZ '3 60Z1 113C1V '14 SVIAOH.L D119C1c1 AVVION :sai!dxg umsstunnop itysi umuvw siiia m NRAHIS CIHDRIVIAI SITIE f VrRIVHS 000Z 'ZI aac[weDaa stip au' =jag pa4aimoulou min luaturuisu! 51go2a1oj atu, @)1e1 IS Aq tELNIMMIX..40 axvis EXHIBIT A Lot 8 of the Salt River Heights Subdivision, Lincoln County, Wyoming as described on the official plat thereof. LESS AND EXCEPT land as shown on survey by Marlowe M. Scherbel, filed December 8, 1993 as Instrument No. 775641 in the office of Lincoln County Clerk, described as follows: Beginning at the southwest point of said Lot 8 on the easterly right -of- way line of Hillside Loop Road of said Subdivision; thence N 38 59' E, 46 feet, along said easterly right -of -way line to a point; thence S 54 35.0' E, 269.89 feet, to a point; thence East, 284.66 feet, to a point on the east line of said Section 12; thence South, the base bearing for this survey and description, 531.31 feet, along the east line of said Section 12 to the southeast corner of said NE }NEk; thence N 39 17.8' W, 842.45 feet to the POINT OF BEGINNING. 130 r£r III 11 1 1 111 1 ST££Z£TTI T£i7£Z£TT 1 1 •auioq puooas s,aamonog sg Slzadoid aql Jo Sougdn000 s,iamouog 3!!!103!03 suougluasaJdal 'ol palm!!! lou an 1nq'`apnloui suotlgluasazdaa lgualgyQ •ugo7 am tlltm uouoauuoo u! (uotlguuojut leualgtu glim 1apua7 apinozd o1 palm so) .iapuaZ o1 sluatualels 10 uollguuoju! alganaagu! 10 `3uipgalsnu `asie3 I !Igpalgtu ang3 luasuoo 10 a$palmou)! s,iOmouog g1!■ so Jamoaaog Jo uoiloaItp agl 1g 8utloe sailtlu0 io suosiad Niue so iamo.uog `ssaooid uotlgotlddg ueoi ag1 3uunp `3! 1ingjap u! aq !lugs .iamonog •uot;e3Iiddd uto- mamoatog •8 •Suadoad ag1 JO asn i0 Aouudno)o agl .tan° Io1luoo Aug uosiad Jaglo Aug so uuu luawa3gugtu g anl3 ao Suadoid agi 1110.1 of lamp .zamouog sannbaa lggl luauta0.t3g so food Fula! Aug o1 io luatua3ttezn digszaumo pangs aaglo so 3uingsautil Cue 01 )(uadoid am loafgns lou !lugs pug `saunl !!g lg luatuSofua pug asn anisnIoxa s,1amou0g .io3 alqulignu Alladotd aq1 dam! !legs aamo.uog •aut0g puooas s,.tamouog sg Suadotd ag1 `asn iiluo !lugs pug `iidn000 imp zamouog •Sauudnaa0 -9 :3uimolloj agl Act paogidai an pug plop!) an luatunalsul Simms omJo 8 pug 9 suotloas legs 0013E pug luguanoa iaqun3 aapua1 pug iamouog luatutulsul Slunoos ag1 u! apeut sluautaaa3g pug slueuaA03 NI 0l uo[llppg !I :lg palgool sI goigm &uadoid., am) luauwalsul Alunoas aql u! paquosap Auadoid a p 2uponoo pug amp mugs a p 3o IapuaL„ Og1) NOI LK2I0d2iOD aDVD,LEON NYIIVHN N HSVHO 01 010N s,.tamouog aznoas o1 (pau3lszapun suosiad WOW 10 0110 an azagi laglagm „`1amou0g„ am) pautsiapun atp Sq uan!3 alep alms aql ;o „luautnalsul 1!1floas„ am) pooa kumaas .to `lstuI 3o poa j `agg8uoiAl aql luauzalddns pug puatuu o1 patuaap aq !lugs pug olut palgiodtoou! si ptm 0 0 0 Z aagwapaa PAIT 114 Z T sigl apgut st 2IgQI2I dI^IOH CINOOdS SIH.I. :s 1.6ZL SWHOd 39VJ1H01,A1 dWA 117066)1199E Z to l 96ed 1N3WfiHiSNI WHOEINf 3 e1A1 9 IppeJJ /eeyll aluued Ailwed 9I6u!S H301H 3WOH 0NO33S 31VJSiiiflIN [ssaippd ,Uaadoad] LZT£8 AM 'HNJVH,L 'Qv102i &0'I =STIIH D-9ZT 2I�QI2I �Y�IOH QNOJIS Stu, SHARLA J ELLIS Borrower -365R (9904) ro 11 (Seal) Page 2 of 2 BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Second Home Rider. (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3890 3/99