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HomeMy WebLinkAbout87050511 11 1 11 1 LO /L Ls0£ wood 1 1 11 9NlwoM 1 11 A N 61Z 330 00 11 9 l 9 IDVd 2Id „4, c NOOfl IDVO1'ON SOSOL8 1 0 WORM 16Z t Z9(008) SIAIEIOA BOVOfl OW dlNA sleppi 9 t {o t a6ed 19000) (AMl9- 1N3w(1li1SNI waOdINf De alppaid /aew a(uued- ti!wed 9 1 6 u!S DNIWOAM VIx2IO.3I'IVO 3O S,IVIS HILL Jc smui aql aapun &upstxa pue pazruaio xoIa,Y2loa2io0 SIIapual ONI SD DI OW SWOH ODHV.a S'I'm sI „aapual (D) •luaumalsui 'i1]anoaS sn)I .aapun ao2e51aotu atp sI .ramo:riog NOS2ISd S'IDNIS V a2w oa'I •W axIVIO'I axv xOS2IHd S'IJxiS Y NOSNHW •rd a2IVHOI21 Si „aaMoaaog„ (g) luc; uno0p sup 01 saaP!?I Ite 1 111m a 0002 8z 2uSSxSOSaPalep st tioigm `luaumoop ,1q1 sum”! ;uautna1sul ,f ;Ianaas„ (y) 9i comas u] papinord oslu PIE ivatunoop snp u] pasn spJOm Jo agesn alp sapu uie1.ta:) 'IZ PU OZ `8I 'ET `if `E suo]1oaS uI paugap aae spiom Jrn to pue moiaq paugap aae luatunoOp situ Jo suoiloas aidl1intu ui pasn spioM [rIna 2ufpao3aH ao3 aun snu anogv aauds] SNIOLLINIdIQ 000010189 EN 'VHVNO SWIDfloa 6161 ON1 SDVDIHOW aI1OH OD2IY.3 S'I'I2M :41 paaedaad S £1 NW NOIDNIWOO'1 003 SLILIS 'Ha Y'LOSSxNIN 109£ ONI aDVDELIONi EWOH OJTIV 3 Sr :od, uanla21 0 969£Ei78 ZLZi7O£8 0 p Lender's address is P.O. BOX 51`.7, DES MOINES, IA 503065137 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory nose signed by Borrower and dated DECEMBER 28, 2000 The Note states that Borrower owes I. ender ONE HUNDRED THIRTY ONE THOUSAND EIGHT HUNDRED FORTY ONE AND 00/100 Dollars (U.S. *131, 841.00 pl.is interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full got later than JANUARY 01, 2031 (E) "Property" means the property :hat is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenceL 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]: Tr 4, j Adjustable Rate Rider Balloon Rider VA Rider ®61WY) (0005) Condominium Rider Planned Unit Development Rider Biweekly Payment Rider (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. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might he amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. Page 2 of 15 Second Home Rider 1 -4 Family Rider Other(s) [specify] TAX EXEMPT FINANCING RIDER 61 7 Form 3051 1/01 LO /L LSOE "OA s�e!Au� g t t o E e6 (g000) (AM)9 sup 10 a10N a111 Iapun 1'am •d su lapual iiq panTaaal luauiculsui .iaulo 10 pap Sue 31 `aanamoll •Xaualina •S•n ut apem aq Hugs 1uau1n11sul Xlunols sap puu aloN alp Iapun anp smamiiud uoilaaS of luensind small monsg Ioj spun] cud ow Hulls lamoilog •a1oN all Iapun anp sagi qo ale! pup sa5iugo luamiCudaid Xuu pug aloN aq1 iCq paauapina Nap alp `uo lsaialu! puu `3o Iudiouud aq1 anp uagm /Cud hugs Iamollog •sa3aegp a t pue 'sonegD luaul,iedaad 'small Moaasg 'Isaaalui 'Iedtaulad 30 luau /Cud •I :smolloJ se 031 u pue lueuanoo lapuarl pue 1aMOJ10g •SINHNHAOJ 1'�[2IOdINf1 •,illadoid leas U11aA0o luamnllsu! jtlunaas uuo ;iun e alnlilsuoo 01 uolla!psunf icq suotlellun mull!! g1tm slueuanoo u11O1tun -uou pue asn leuopuu IoJ sluuuanoa uu0 sautqutoo A,LRII13gS SIH.L plooal ;o saaueiguinaua Niue o1 laafgns `spuumap pue smlela Iiu lsu!au Alladoid alp 01 app a111 icIluiaua2 puaJap !pm pue s1uu11um Iamollog •ploaal JO saauulgmnaua Ioj ldaaxa `palaguinouaun si Auadoid alp lu puu Iilladoid 3111 Ifn1103 puu luu15 `a2u5vom 01 1g2u 0111 suq pue pa/ianuoa itgalag alulsa a41 Jo pastas ICIInlmul Si Iamollog 1e111 SINVNHAOD 2I3MO2RIOg •x11ado1 a Su luamnllsul'C1T1noaS sup ui 01 papa;ai s► 3uio5aloj alp Jo !Id •1uamn1lsul XC1!lnoaS sni icq pa1aA03 aq oslu Bugs suop!ppu pue sluamaauldal !Id •/iiiodoid a111 jo put e aa13ua1aq Io mou salnixlj puu 'saaueualinddu `sluamasua tie puu `Alladold 3111 uo palaala 'avant! 10 mou sluaman01du1I alp IIe HIIM 1011,12DO1, :(„ssa1PPy XlIad01d„) faPoj d!zl 811E8 ututoiCM KID] KNIZH pans] AVM NII?IS?IOnS L b Z 3o ssalppu alp suq itl1ua11na gaigm OO I'LT :IagmnN QI haled L£TS90EOS VI 'SHNIIOx SRO 'LETS XOS O' d ONI 'HUE/DIXON RHOS OD V3 STIHM s OS IM HS HS =oils S IMUIRSVLS XV L LNHWfl2ISSNII AZI?InaHS AMOK HSVHDHIld V SI SIHS 'HITE 'ON ZK'Id '191'6t8 ON SI3HNif1?ISSNII '966T '8 AKIW QH'II3 .L'd'I J1VHS OS DNIIQ2I003v 'DNIIWOAM 'ASNIIIOO N'IOONII'I 'L 'ON NIOISIAI I SHHDN Y I DIQ2ION 88 SO'I [uopatps!inf Sutpioaaj Jo awuNil [uot1:'npsunf Sutpaoaall Jo ad,(11 NI'IOZNI'I 3O LLN1100 0111 u! paleaol Sliadold pagT13sap Sulmollo; alp `alas jo Iamod ijITM `suEissu puu siossaaans s pue Iapua-1 01 Sanuoa puu 1uua `aga11om Agaiaq saop Iamollog `asodlnd sup 1011 •a10N aq1 puu luamnllsul SlilnaaS sup Iapun sluamaai5u pue slueuanoa s,Iamollog jo aaueuuojlad alp (!T) puu `a10N 3111 Jo suolluOTJtpom pue suo!sualxa `slumaual Ile puu `ue0 alp jo lualu udai alp (i) :Iapuall 01 saunas luamtulsul /ulnas sl11Z 'luamrulsu! S1tlnaas sup 10 /puu a1oN ag1 J pun suonailgo ma/mama pamnssu se11 iillud 1u111 1011 10 Iaglagnn `41ad0ld 0111 01 a11U ua)Iu1 suq 1u111 1C11ud /Cuu suuam „aaikoaaog jo lsaaalui u! aossaoans„ (d) 8 T9 Al2IgdO2Id MIL NI SIHJIRI dO 2IgdSNIaIL 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 a) 6( (00051 Page 4 of 15 619 Form 3051 1/01 L0 /L 650E woad slewul S l io S aged (q000) (AM)9 0141 VuiA;uuap! aopou u Jamol10g 3n42 Aew Japuafl `luauirulsul /iltznaos sup Jaw Aitzo!Jd umpu uuo 13ot4m up!! u o1 loafgns sr Alzadold 041 Jo lzud Auu 11141 sauiuualap Jopuall 3l •luouuuisul Aninoas snp 01 uai! 0141 Sutiwurplogns Japua of A1o1O113spus ivawaalRe ue earl alp 3o Japio4 a41 wou1 salnoas (0) 10 tpapnIou0o azu duipaaoold tons !pun Aiuo inq `5uipuad am dutpaaoold 0SOg1 aigm uait 0141 Jo ivawaozolua 0141 luanazd of ali odo uoiuido s,zapuo ut goigm s uTpaaoold tao! `ui uait 01413o luawaozojuo 1sui11E spua;ap 10 'Act rim pool uT non art sisaluoo (q) tivauraaz2u ions uiuuo3Jad si Jomoilog su 2uot os Atuo inq `Japua'l o1 alquidaooe Jauuuw u ut uorj ail Aq painoas uouatigo ail jo 1uauA11d ail Ol 2upi1M uT saaz5u (u) :Jomouog ssatun ivawn.usul Alunoas snp JOAO A1IJOTud su4 town uaq Auu a2JUgostp Atldwo1d hells zaMOnog uopoas ui papinoJd zauuuw aql ui wail ad hugs zaMOiiog `Swa1I Mo1OSg 0111 sump asa141 Imp wawa ail o j, •1iuu 3t `Sivawssassd puu `sand `sang uope1OOSSy Aliunwwo3 puu 'Arm j! `A2Jadozd 041 uo si11a1 punol2 .10 sluaw,CEd Notional luownJisul ,ilunoos sup Jano Aiiuoud UII1W uuo goigm A1Jadold ail 01 alquinqu1111 suopisodwi pue `soup `saazugo `sivawssass11 `saxul Itu. ad hugs JaMOUog •suan :sa2at4D •l, •::apua' Aq pia14 spund Aue IOMOIIOH o1 pun3a' Apdwold Hugs Japual `luawnzlsul AlunOaS sup Aq paJnOas scans II tin3 ui 1uawA11d uodn •siuou ld A141U0U ZI 1111x11 010111 OU uT inq `ddSa'd 414M aouup100011 u! Aou0!O!Jap 041 do a)luw of thlSS000U Tuna= 0141 1apua -1 01 ad hugs JaMO11og puu `VdSa2I Aq pannbai se 1aM011og AJTou bugs Japuarl `VdSg11 zapun paui3ap su `MOZOSO u! pla4 spun 10 AoU !Opap u sT 0104131 •s3UOUA11d A141uow ZI 111141 worn ou ui inq `VdSgN 41TM OOUEplo0O11 u! ag111JO4s ail do 01E1 Ol AJUSSaoau iunoum 0141 1apuarl 01 ad hugs JaM011og puu `ddSgal Aq pannbos se 10M011og A3pou Dugs Japuarl `VdSa'l !apun pauijop s11 `MOJOSO 111 p1a4 spund o 0 1111045 11 sT 010141 031 ui spur14 SS0Oxa 0131 104 zamozzog 03 lun00011 !lugs lapua-I `YdS32I 13p11n pauijap s11 `MOIOSO uT plag spund 3o snldzns u Si 01041 3I HdSa2I Aq pannbat su spund 0141 o 2upunoo31 IEnUu11 1111 'amp inoglIM `I0M0II0H Ol an!3 Hugs Japuarl •spund 0141 uo pied aq Bugs isa1alur 11141 `JOA0MO4 `211piiM ui 0a1fu u110 lapual pUu JamoIJOg •spund ail uo au!Ul11a zo 1S01aiut Au11 JaMO1JO4 ad 01 paunbaJ aq lou dugs 1apua'4 `spund 041 uo mud aq 01 isazal11 sannbai mu-4 a1Q11oIddy .10 2up!1m ui opal" ST luawaaa11 It11 ssatun •0 111go 11 lions a)luw 01 Japuo l slluuad MuZ alquoilddd puu spun 0141 uo ma'am zamoJzog sad 1apuo l ssatun `swan MoJOSH a41 1.11A31.10n Jo '1111100011 MOZ3S0 0141 $uizAt11rr11 Ait11nurte `spund 0141 2upCidde pun 2utploq J01 J0M0110g 02111143 1011 !rugs zapuag •VdsaN Japan poijioads amp a41 truly 101E1 ou small MoJOSJ 0141 ad o1 spund a41 Aidde hugs aapua'I •)1uug 11110'l awoll 1ulapa1 Aug ur Jo (palnsu! os 0111 susodap aso4M uopnlpsu! 1111 ST zapun 3i `lapua -4 2uipnloui) A1pua 10 `AUI11luamfIisui `A3U0 11 1111apa.l 11 Aq pamsuT 0111 s1TSOdap aso1M uoilnlilsuI 1111 uT p104 aq bugs spund 0 41, me aig11ollddy 111M 031I11p103311 11T as1M1a410 10 small MoJOSg alnlnj JO sazn1ipuadxa ;o sa111UUsa atg11uos11az puu 11111p luOUnO Jo smug 041 uo anp spund Jo mom ail 0111un1SO Ite4s z3pUa7 °VdSadI !apun a1lnbaz uuo Japuat 11 mourn wnwTx11w 041 Nano 01 1011 (q) puu `VdSa2I :apun pa[ ;Toads amp 041 111 spund a41 Aidd11 0l lapua'l liwlad 01 luatOTl;ns (11) 111nou111 1111 u! spund p104 puu 1oa3OO `amp Auu 111 `,S11ui lapuo l uopoas s141 zapun pannbaz 110131 are 11141 `Slunom11 lions u! pug `spund 1111 1apu0l 01 ad hugs 1amo1JOg `uop11o0na1 tons uodn `puu SI uopoas 141!" aouummooe ui u0n12 aouou u Aq amp Au11 111 small MO13Sg 1111 10 SUE 01 Se 10A111M 041 a)lona1 A11111 lapua-1 •lunouru 4ons Aue JapuYJ 01 A11da1 01 6 uopoas !apun palailgo aq ua41 Hugs 1aMO11Og puu mourn lions lied puu 6 uopoas zapun s1132!.! S1i aStolaxa au' Japuag `mall M013Sg U11 103 anp mom 041 ad 01 shad 10MOUOg puu `JantuM 11 01 luunsund `Apoaztp small Mozasg A11d of pa111 !1140 sr JamO1J0g 31 •6 uopoas ui pasn s! „1uaw0a1a11 puu lu11uanoo„ as11Jgd 0141 s11 `luamfJlsul *moos sup uT pa1111131103 luawaal11 pue 1u11uano311 aq 01 pawaap aq sasodznd 1111 103 Hells s3di0Oa1 apinold 01 puu sivawA11d lions alum 01 uop119Tlgo S,J0M0110g •a.nnbaz Aew Japuai s11 pouod amp lions uI41TM 1u0UZA11d Lions 2uiouapina sidiaoar Japuol 01 4siu1nl !lugs 'samba' lapua'l 3i `puu 1apuarl Aq panJ11M uooq Su4 spund Jo 1uawA11d 4o!4M 103 small Mozosg Au11 104 onp 079 Al ,I r, 1 1~ t o ,t, 4 621 lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, wheth• or not then due, with ©O6(WY) (0o05) Page 6 of 15 Initia Form 3051 1/01 LO /L 69O£ WJOd SIe L 10 L e6ed T aiquuosuaa &uidud (o) puu `.lanoo alt &uuuaddu (q) :mown zlsul Aumoas Snp nano Aluoud suq gotgm uati u dq pains sums Aur 5ut,Cud (u) :ol paltu11 lou an lnq `apnpu1 uuo suopou mapua-I •Auadoad ag guutudai .io /puu utlnoos puu `Auado1d alp jo anion agl Suassassu ao /puu fupoaloid uipnput `luatu1ulsul Alunzas Sup Japun sltOp puu Auadold aql ut lsaialut s,Japuai laaload of alrudolddu 1O alquuosual st Janalugm J0; Ard puu op Auui aapual uagf `A110do1d aqf pauopurqu suq 1aMOfog (0) 10 `(suotluln5aa .10 smui 10103111 01 10 luatunJlsul Alunoas still Jaw Aluoud utullr dutu gotgM uatl u jo luatuaolojua 10; `oartuo JO; 10 uoputnuapuoo aoj `alugoad `AoldnJaiuuq ui 2uipaaooad u sal lions) fuatunusul Alianoas sup Japun sl ao /puu Auadoad alp ut lsalalui s,Japual 10aJ Ailueou!aas lgputu i q utpaaoold u st alagf (q) luatuiulsul Afunoas sup ui pauauluoo sivatuaai u puu sluuuano0 agf uuo3Jad Ol si1uJ 10MOJ10g (r) 3I ;uauini;sul djunaas sup aapun sitiNm pun dlaadoad a1j alt;sacra UJ vapuar jo uDpaalo.td '6 •aauapisaa irdiouud S Su A111d041 alp ;o Aotredn000 s,11Mo11og &utuJaouoa suonuluasaadaa `01 palatal!! lou are lnq `apnpui suogrluasaadaa iuuafuyv •uuoj atp gltm uouoauuoo ui (uouruuojut irualutu qum Japuai aptnold of popuj 10) aapuoi 01 sluatuafuls 10 U011utu10JUI 11r1nomua Jo `&upralsnu `aslr3 Slluiaalutu anu2 luasuoa Jo afpaIMOU.1 S,1amo1JOq gfiM ao JaMOJJog ;o u0tloalip otp sailtlua 10 suosiad Am 10 JomonOg `ssaooad uopuogddr uro-1 alp `41 1inupap all aq hugs 1aM01a0g •uoilrallddy ueo1 s •g asnr0 aigruosual lions &11tH loads uouoadsui Joualui uu lions of aoud 10 Jo atuif aq1 Tt a0110u Jamo..0g ani2 !lugs aapuarl •AUadold alp uo sluatuano1dm1 am Jo aoualua aql )oadsul AMU Japua-1 `asnra aiquuosual srq 1t ji •duadold agl jo suot1Dadsui puu uodn salaam aiquuosral alma Aunt 1uo2u sit ao aapua -1 •u0Uulolsaa Jo 1irdal lions Jo uotlaidWo0 aql 10 uour ligo S 1aM01JOg ;o panatiaa IOU si aamol1og `d11ad0Jd aq1 3101s0a .10 aiudaJ 01 luatowns lou 1111 spaaoold uo1luuwapuoo ao aaurmsut alp J1 •palaidua00 s1 3110M am sr sluauidrd ssai oad Jo sauas u 111 .10 mowicud ai2uas u Iia uollulolsaa puu sJiuda1 am. 103 spaaoold asangs!p Auw aapual •sasodand Lions 1O; spaaoold pasualaa suq aopua4 J! 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alp asn Aunt 1apuarl •Auadold aql Jo aulanoo am of aiquoilddu are sUgSp tins sr 1uJosu! `Al1ad01d 1141 5uuanoo SalDiiod aaurmsut 1111 Japan (Jamonog dq pond stunituaid pauJraun }o puma' dual 03 1g$u aL1 uugl 1ag1o) satOp s,JamoJ1Og Jo laglo Air (q) pug `luatunlfsul Auaf1as sup 10 030N aqf aapun ptudun =nom alp paaDxa 01 10U lUnouI1 1111 111 spaaoold aourmsul Sur 03 sup.' s,1aMO1JOg (u) aapuo l 01 sO!ssu Agana' 1am01J0g `as!M11glo 10 ZZ UOalpas aopun Auadoad agf saunbou aapuaj j! 10 `Juana 1a11ia 111 aollou all uogm u0aq iliM pouad AuP atu, •tumio alp atlfas puu afupaau Amu lapuarl tamp `uzaup r alllas 01 paaajjo srg aolamo aoti1Jnsu! 0141 111141 aapua'J 11101; 1011011 r 03 SAup 0£ wpm puodsai 1ou Salop IamoIJOg ;i •s1a11utu pampa puu tulrp 00u aiquitrnu Aur alllas par 0111!1a0U `ail; Arta aapuol `duadold alp suopurgr JaMOJJOH 31 Z uOtloas u1 104 papinoad Jap10 aril ui paliddu aq pugs spaaoold aour1ns111 110ns •10M01J0g of mud `dual 31 `ssaoxa 1141 P79 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. CD -6(WY) (0005) Page 8 of 15 Initials r� 9 3 Form 3051 1/01 L0 /1. 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Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if 'sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. ©m 6(WY) (0005} Page 10 of 15 Initials 625 Form 3051 1/01 LO /L L50£ waoJ 9Z9 epiui S 1 1 L L e6ed (Soon) (AM 19 mCip VdSd2I uoi uuojui AuE putt apEW aq Plnogs sluauArd golgm 01 ssaippe alit `IaapuaS U10'1 matt age 3o ssamp1 putt aumu alit alum 11►m go!gm a tmgo ag1 3o aoilou ualipm uant aq 11im J MO11Og `JOOinaaS UEO"1 alp 3o a t ugo u Si atom 3I •al alit 3o aJES r 01 parulatun 103lnaas uuoi ag13o sauugo atou 10 auo aq 1gput oslr a1agJ •mEl aiggoilddy pur luauttulsul AginoaS sup `0143N alit .lapun suoinailgo utotnzas ugoi 05011ow .iaglo suuo ;.tad putt luauttulsul A1pnpas sup pug a1oN ag1 iapun anp s1uauArd oipouad sloaroo imp (,,.taopuaS uuo'„ alit sE umou30 Alpo 0141 ui auEgO E Ui 1lnsaz 1g2itu airs y •.zamot.tog on aouou .toad inot{lim sawil aim! .to auo pios aq 111143 (1uau1n11stg Aiunoas sup glim mtpago1) a10N alit ut IS JOIui lgiugd r .to 01011 aUJ •aauunala9 30 aa110N :a331[n.13S UEO7 30 aurtTJ :OWN 30 a 1 s 'OZ g T uoilpas iapun uoprialaaO1 ast.3 ag1 ui Sid& mu Hugs amisuia.l 01 100 St141 `10AOMOH •paun3Oo putt uoguaJa3ou OU 3! su ant1aa33a A11n3 UIPLUPJ HIS Aga.tag pampas suouatlgo pun luauluisul AlunpaS sup `zamolaog Aq luawalrnsuial uod13 •.tajsuiuj spung automata (p) .10 :SUMO .to Alileluamntlsui `AouaRe imapa3 e Aq paansui a.t11 snisodap asogm uoilnnilsui 1111 uodn umn1p Si Noago lions Au11 papino.id 'pp3ago s .10 Noago mainsuatl `raga )Tttgq 5130113 paijpuao (o) `lame Aauow (q) `.gsuo (11) :aapua-1 Aq pa1O01as st. `Stua03 2utmo11o3 0141 3o atom JO auo u1 sasuadxa putt suns luaualnlsuiat lions S11d laM011og imp atinbat A1u .lapua-i •pagurgoun anuiluoo hugs `luautnulsul AlunOas sup Aq pampas stuns all Aud 01 uotng pqo S,.10mo.uog pun `luatutulsul A1unoas sup iapun sup.' put. Anzadold 0141 ui 1sa.ta1Ui s,aapua-1 1ng1 aznssg 431 axmbal Algguosua.t Agw npua-i s11 uogoE lions savl (p) puu `luaunalsul Snim3as sup .tapun s1q T1 pun A1.iadoid agi ui lsatalui s,iapuo' uilpaioid 3o asodtnd ag1 Io3 pannow saa3 aaglo pun `saa3 uopunlen pun uoiloadsui A1.zadozd `saa3 ,siaujou11 alquuoseat '01 palituit 1ou 1nq `2uipntpui `luatutulsul Alimoas sup 5uiatojua ui pa.tmpui sasuadxa Ile sAed (a) `sluautaaau .10 slu11uanoo 101410 Sim Jo 1lnujap Aug samo (q) :pat nopo pug uopuialap311 ou;t sg aloN 0141 pun luatutumul A11moas sup lapun anp aq P1nom uagl gaigm sums 11u .lapua-1 sA11d (11) :Jamo.uog le14l OJE suoilipuoo asogl, •luatutulsul AJ!.mpas sup 51goloJua 1uOuOpnf 11 3o Aiwa (o) .10 `.a1u1SUia.t 01 1115!I S,aamo.t10g 3o uoiluuiuual aq1 1433 1S;izads 1g2iut mu-3 algt.otlddy s11 pouad Jani° lions (q) :luacutumul AljmpaS sign ui pauit.nuoo airs 3o lam0d Atm of iuunsind A1.tadoid am 3o a111s aiojaq sAup anti (e) :3o magma a41 01 ao i.td amp Atm lu panuiluoOSip luaumalsul AlimOas sup 3o luatuaO.toJua 0nug 01 11141 0141 anug Hugs 1amOIIOg `suoilipuop u1gl.ta0 slaau iam0.uog 3I •uotlr.zataaay .1313V alrlsulag 431 11021 s,aai0aaog '6! •.tamatiog uo 011111100.10 aopou .tagl.zn3 lnoqum 1UawIUIsUI A1imo0s sup Aq pau!UUad saipauaI Atm 03ionut Auu Iapua' `poi.iad sign 3o uopugdxa alp 01 .ioiid suns asagl And 01 S]3113 10M0110g 3j •luautn.zlsui SlImoas sign Aq pa.tnoas suns Hu And nsntu IOMOIIOH goigm ui14lim ST uotl0as 14um 03Ugpio00E ut uani8 Si 0011011 age amp age u0S3 Sip 0£ ung1 ssaj mu 10 pound u apino.td Ite14s apil0u a14J •uotlg1ala03E JO 0011011 .tamo.z.tog ani$ 11e14s .tapua' `uoildo sig1 sasipiaxa .tapuaq 3I •mw1 alquo!iddy Sq paligigoid si asTO.taxa lions 31 .tapua'I Aq pasiataxa aq 1ou Hulls uoildo s1141 `IanamoH •1u0u1u1su1 Alim0as sig1 Aq pampas suns Hu 3o tint ui 1uauAud alripauui agnba.t At.w aapua•T `luasuoO ua11i.1m .loud s,iapua'l lflOqlTM (paizaJsuIul JO P1os Si JOMOIJOH ut 1S0101mi mtogauaq 11 pun uosiad mituuu r lou Si .tam0J1og 3i .1o) pa.tiaJsurzl 10 plos si Au0d0zd 0141 ui ma'am' Atm .to Auado.td ag1 3o 11nd SUE .10 Hu 3I •.tasrgO.md u 01 amp alnln311 111 aamot.tog Aq app 3o iaJstU1.11 alp s! g3tgm 3o maul! 0141 `1u0tua0.t2u MOIOSO 10 loualU00 sates 1U0WUglsu! `poop .103 1OE1IUOO 'pap 103 puoq r ui pa.tla3SUe.t1 s1Satalul 11410 Jauaq aso141 '01 palnuil 1ou Jnq `51iptgoui `SJ.tadoid 041 11i Isamu!! lriogauaq 10 111801 SUE smolt! „A110dold a141 U1 1S0102ul„ uoiloaS sup ui pasn sy •aamoaaog ul lsaaa.Uj imuauag a ao Alaadold agi 30 aajsue.1,L •81 •luaumiIsul AlimoaS 514130 pug aioN a141 3o Adoo auo uanI8 aq 11egs Iamo tog •AdoD s‘aaMoaaog 'LT •uoln0n Aun 031111 of uoiln°1Tgo Aur lnoglim uogaIOSip alos sani8 „AEU„ mom ag1 (o) pug :ESIOA aO1n pug Tumid alp apnloui putt maw hugs maws alp U1 slalom (q) `zapuo2 auiutwal 041 30 sp1om _to slalom .101nau 8uipuodsonoo apnlOUi pue maul Hugs aapua8 auilnOSEU 041 3o sp.lom (r) :luauTu1suJ A1i.tn3aS sign ui pasn sy •uolslnoid 8u110113uo0 0141 lnoglim 130330 uant$ aq un3 143igm aIoN a141 .10 1uaululsul A1im3as sup 3o suoisinold .101410 13033u lou hugs 10431103 gaits 'mel aiquoitddy gum s13t11uoo OIoN am 10 1Uau11.11SUI Altmpas Sign 3o asneIO I0 uoislnoad Au11 111111 Juana 0111 ul •131111U00 Aq lualuaat$r 281.78u uolltgigoid 11 s11 paniisUoO aq lou imp apual!s clans inq 'mils aq 21481u 11 10 1311/11100 Aq 00.1811 01 sail.red agi moi111 A11t311dui 10 A11!OITdxa 1g8itu mu-1 alquoitddy alquoilddy 3o Suofunilui4 pun sluauagnbal Au11 01 1oargns 0.111 luatutuISUI Agin0aS sup ui paui1111100 suolln$tTg0 Puu slg8ii ITV •p0111001 st Alzadotd 0141 gOigm 111 Uolloipstmf alp 3o m1T am pm mu' 111iapa3 Aq patuano8 aq hugs 11auntns111 Allmpas Si41 •uo11ona1suoD 30 wing :S1j1iQraanaS :mug 8Utuaanop •91 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. i000s Page 12 of 15 627 Form 3051 1/01 G'9 LO /L L 90E W104 S�eglll� 2 !o l 86ed (2000) (AM)r ilululo//M ;o scour uoridwaxa pra)sawoq alp ;o antnn Xq pull lapin sitilip IIE santum pug sasaaiai aamo.t.tog •saanitM •bZ *mug aIquo!IddV .tapun pa))luuad si aaj. aql jo fful5Juga oqi put: pa.tapuaa saotn.tas loo Xut?d pug1 u of mud st aaj aqi ;I Aiuo inq `luatutulsul Xlt.mmas sup utsua(at ao; aa; u J)MOaaog aa.tego ,tutu .iapua' slsoo uollep.toaai Xuu Cud hugs aamoa.zog •luaunulsul �fllanoas stgl asea(a.t pugs iapuai `luatuntisul Xiunaas sup Xq pampas sums Ili jo luauuXud uodjl asttala2I •£Z ;l 01 pa( ;I;ua ,C((03a( suosaad ao uosaad ag; 0; ssaaxa ,Cup (a) put; :luatuualsul Spanaas sup Aq pa.tnaas sutras Ire of (q) 'sal; ,s,CauU0110 a(gruosraa `0; pa;Ium ;ou Iraq 'flulpn(au1 'a(0s ag; ;o sasuadxa ((e o1 (e) :aapao JutMOj(oj atr; Itp pap(dd0 aq (pegs airs ag1 Jo spaaaoad ag •apes Situ ;u £laado.j atll astgaand Sum aauflpsap s ;l ao lapin] •mtri algoallddy Cq paglaasaad aauuoui at(; ut pros aq (pegs if ;.tadoad aq; pup 'ales jo aallou aq; gsllgnd bugs aapua,' •gj uopaas ul paptnoad aauurw aq; ut .IOMOaaofl of ales 0111 JO aallou an1N begs lapin Mr7 algrap(ddV g;lM aauepaoaap to ';uaaaj;lp ;l ',f ;aadoad alp jo uolssassod up uosaad ag; 0; pup JOMOaaofl 01 asopaao; 0 ;ua ;ut ;o aallou anp3 (lugs aapuo 'airs jo aaMod ag; sa3Ionup lapin,' ;l •aauapina app ;0 S;soa put sal; 4 sSauao; ;e a(getlosuaa `0; pa ;Iwl( ;mu ;nq Ilutptgaut 'ZZ u0t;aas sup(; 0! pap!AOad Satpawaa at(; InllSand to pintail! sasuadxa pit laa((oa o1 pa(;pua aq pugs .tapna,' •Mp,' argrai(ddy St; pa;lpuuaad satpauiaa aat(10 Sur pup a(1s ;o aa,4tod aq; a1(onut Sulu Rue purwap lag ;an; ltlogltM lua(una;sul 'Clianaas sup Sq papas stuns ((a ;o ((n; ut ;uautSud a;Oppawwl aa(ttbaa Motu col ;do s ;t ;e aapua' aallou alp ttt paljpaads amp aq; aaojaq ao uo palm ;ou ST ;(nOjap alp j; •aleS pun uo(30aa(aaa0 0; aaMOaaofl ;o asua;ap lag ;o ,fur aO ;plump e ;o aaualspxa -uoi agl passe 0; u0l;a0 ;alma a Nutaq 0; ;gN(1 ag; pue uop;0aa(aaat aa; ;e a ;e;supaa 0; 31( 1 alp ;o aaMOJ.tofl tuaojui alt( ;an; putts aaluou aqj •d;aadoad NI ;o ales put; ;uautnalsul ifltanaas sup St; paattaas stuns aq; jo uop01a(aaae up ;(rasa.' ,few aap;ou at(1 tit pal,Ipoads amp ag1 aaojaq ao tut ;(lump aq; aana 0; aanilrj lug; (p) putt :pap aq mut ;Intjap aq; gapgM St; 'aaMOaaofl 01 canp sI aap;ou ag1 amp aq; won; S,Cep 0j uegl ssar ;ou 'amp u (a) :11nejap aq; aana 01 paatnbaa uopau alp (q) S;(nojap aq; (e) :A ;pads pugs ao►1ou aq,I (astituaqm sappnoad Mu,' a(qua((ddy ssa(un gj uotlaas lapel uoplraalaaou 01 aopad 1011 ;nq) ;uatunalsul ,flpanaas sup in ;uautaaa2u ao ;ttruanoa AIM ;o gamut s (upMo((oj uol;paaiaaae 0; aolad aaMOaaofl 0; aap;ou ante (lugs aapua-1 •satpawall :uotleaa(a33V •ZZ :smor(oJ Sr 00.12u pull luuuanoa .ta1.11.tty .tapua-1 pull .Iamo.II( 11 'S.LI�I� I�I3t�0� Y1[2IOdII�If1�I�tOI�I BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: ©6(WY) mow R CHARD A. JeHNSON 629 (Seal) Borrower (Seal) LORAINE M. L. •N RD Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Page 14 of 15 Form 3051 1/01 L 0/ L L 90£ uncy :ss S 0 :511341 111 JO 5 90 ed (50001 AA/) 0 9- CO "600Z •cled :sai!dxg uo!ssttutuop ijAJ auvrioau 'TA MIN/U(31'1 ably mosmor "V GUVHDIU Aq 000Z 8 Z wzaa spy atm ainjoci pa2painnoupv srm niyunuisu! tiu!oValol qL NOIHI MUMMY `9N1111.0AA, ,40 5LLVJS 8304272 TEFR -0233 TAX EXEMPT FINANCING RIDER FIIA Case No. 631 THIS TAX EXEMPT FINANCING RIDER is made this28TH day of DECEMBER 2000 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed Security Instrument of the same date given by the undersigned "Borrower to secure Borrower's Note "Note to WELLS FARGO HOME MORTGAGE, INC. "Lender of the same date and covering the Property described in the Security Instrument and located at: 247 BUCKSKIN WAY, ETNA, WY 83118 [Property Address) ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender rther covenant and agree to amend Paragraph 9 of the Security Instrument, entitled "Grounds tOr Acceleration of Debt," by adding additional grounds for acceleration as follows: Lender, or such of its successor or assigns as may by separate instrument assume responsibility for assuring compliance by the Borrower with the provisions of this Tax-Exempt Financing Rider, may require immediate payment in fU11 of all sums secured by this Security Instrument if: (a) All or part of tile Property is sold or otherwise transferred by Borrower to a purchaser or other transferee: (i) Who cannot reasonably be expected to occupy the Property as a principal residence within a reasonable time after the sale or transfer, all as provided in Section 143(c) and (i)(2) of the Internal Revenue Code; or (ii) Who has had a present ownership interest in a principal residence during any part of 'the three -year period ending on the date of the sale or transfer, all as provided in Section 143(d) and (i)(2) of the Internal Revenue Code (except that "100 percent" shall be substituted for "95 percentor more" whe e the latter appears in Section 143(d)(1)); or FHA Multistate Tax- Lxerrapt Financing Rider 10/95 ITZI 587U (9705) G Page 1 of 2 nitials: VMP MORTGAGE FORMS (800)52 7291 1111 I 11 1 1 1111 0 (iii) At an acquisition cost which is greater than 90 percent of the average area purchase price (greater than 110 percent for targeted area residences), all as provided in Section 143(e) and (i)(2) of the Internal Revenue Code; or (iv) Who has a gross family income in excess of the applicable median family income as provided in Section 143(0 and (i)(2) of the Internal Revenue Code; or (b) Borrower fails to occupy the Property described in the Security Instrument without prior written consent of Lender or its successors or assigns described at the beginning of this Tax Exempt Financing Rider, or (c) Borrower omits or misrepresents a fact that is material with respect to the provisions of Section 143 of the Internal Revenue Code in an application for the loan secured by this Security Instrument. References are to the Internal Revenue Code as amended and in effect on the date of issuance of bonds, the proceeds of which will be used to finance the purchase of the Security Instrument and are deemed to include the implementing regulations. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Tax Exempt Financing Rider. (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower -587U (9705) Borrower LORAINE M. L 0 Page 2 of 2 632 (Seal) Borrower (Seal) Borrower (Seal) Borrower