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Home My WebLink About869872II I 11 1 11 1 1 1 W 11 1.0 /1. LSO£ WJod MOW HJIM IN3Wf1HjSNl WHOdINft aelry alppaid /aeyy aluued- AIiwed al6u!S DNIWOAM b6Z6091000 NVO'I b6Z609T000:# 'Iddv T6SZZE:# 300 'S2ldint (888) 'II `9Z0Z 'WITH `9Z0Z YOH 'O'd jo lagwnu auogdop pug ssaippe un oil pun `atumgiau jo snout atp iapun 8urlsixa pug paztug2.to si s iai' ;uawnr ;suI S ;rrnaaS siq; spun aagna ;.tow aq; s! s2aIN •su2issn pug siossaoons s,iopua-j pug Jopuo .to3 aautwou i sg /Clops 2upon si;ggl uop iodtoo alnzgdas n s! slew *ow `swals,CS uon .ns!Sag otuogoatg o2g21J0 4 si „Sugl'r„ (3) •luawntlsul )ClunonS spp.tapun;o2g8uow atp si 1am0.1.10g a3TM 'uosxo>?r Z utTQ 'pu>?gsng 'uosNoar s a6.zoee st „aamodrog„ (g) •luawnoop site of s.tom tin tpim J0g1 of polnp Si gown `luawnoop sup sunaw „;uawn.t ;suI ,f;trnoaS„ (v) 000Z 'ST aegtuanoN .9t uoiloOS ui papinoid °stn are luawnoop sup ut pasn spiom 3o a8gsn aql 8uip.tg8°. satni' Temp •TZ Pug OZ `8I `£1 `11 suoiloOS ui pauijap a.tn spiom iaglo pug motaq pauijop ate luawnoop sup jo suonoas aidpinw ui posn sptoM Ti70E609T000ZOT000T NIIAI O V ✓1 QOY AL 4Je `Jeu5eM auueap 'GIRD AM 'iaaawwa 'ON j )I 96ed olr 'O fi N°°8 u' 'I r lg 40 f 7f' ".r papio :ad [stea 2ulproaag -ma aul7 situ, anogy aasds] 6 L SWdOj 3E VOltUOW OVA al i r 99Z0S 'sauzoL sea gseM OOT agTnS anz.zc eqPiodiop stst Saugnd vsaaay JCj pol2daIj 99Z0S 'sauzoN sea gsaM 00T anTns eAt eqpiodiop 9' S' 1Cu2dwop abs6&1oW ewog 9pTmuoTqPN :ot, umlag VI Ieillul s000 OSwn 9t to e82d (moo) (AM)v9 SNOLLINIdg 1 (D) "Lender" is Nationwide Home Mortgage Company Lender is a Corporation organized and existing under the laws of The State of Iowa Lender's address is 4546 Corporate Drive, Suite 100, West Des Moines, IA 50266 (E) "Note" means the promissory note signed by Borrower and dated November 15, 2000 The Note states that Borrower owes Lender Seventy Five Thousand and No /100 Dollars (U.S. 75, 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 December 1, 2030 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider Balloon Rider VA Rider (2) (0005), 1 Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Second Home Rider 1 -4 Family Rider Other(s) [specify] (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. DOC #:322592 APPL #:0001609294 Page 2 of 15 Initial. OAN #:0001609294 Form 3051 1/01 J 10 /1. IS0£ uuad 66Z609T000:# NKO 780 91.1( aged (5000) IAMIV9 66Z6091000 'Id&f £6SZZ£:# OOQ "Auadoid jgai 8uuanoo luawngsm iClunoas uuopun g alnlpsuoa 01 uouotpsunr suoueuen papal![ tip' sluguanoo uutoJiun -uou pue asn jguougu zoJ sluguano0 wioJlun saulgwoo LN3 AIIIILLSNI ALRIf1D3S SIH.L 'moan jo saoueigwnoua Aug o11oargns `spugwap pue swrej0 isule2g Aliadoad alp 01 app aql Ajp iaua2 puajap !pm pug slueugM .raMOUGH •pioow jo saougigwn'ua io3 ldaoxa `paiagwnouaun s! .ilta alp legs pug ,ivadoid alp AOn1100 pug lug18 4 a8g2uoal of 1115u am sgq pug pai(anuo0 Apia! aimsa ayl 3o pastas 1Cfn3Mgj s! iannouog 1gg1 SINVNIAOD 113MM:11IOH luawnalsuj *moos sup 8ugaougo pug 8utseajai `01 papunflou lnq `8u!pnjou! iapua- jo pannbai uouog Aug a)je1 01 pug :Auadotd alp pas pug asotoa.roj 01 1g2u atjl `01 palnutl lop lnq `8utpnjout `mom!! asotp ;o jjg l0 Aug astaraxa o1 .1q 2u am sgq (su2!ssu pug s.rossaoons s,iapua- pug rapuarj zoj aaulwou sg) Sggw `wolsno 30 Mgj q1!M ,ijd11100 01 IJ SS00au 3! `lnq luatuansuj Mun0aS sup u! .tamouog ,Cq palugi maim! alp 01 app je8a1 /quo sptoq Sggw 1gg1 saai8g pug spuglsiapun ia&ouog „*Auadotd„ alp sg luawnJlsul AlunoaS sup ul 01 vamp! s! 8wo2aioj ogijo !iy •luawn.risul AltmoaS sup ,Cq paranoo aq osir [jugs suoplppg pug sluawawgjdai jjy •Auadoid alp jo ued g aaljgaiaq i0 Mou sainlxFj pue `sa0ugualmddu `sluawasua jje pug `Auadotd agi uo pomp ialjgaJag so Mou s1uaalanoidwi aq1 tig HIIM 2I3Fi.L3DO.L „ssa.tppy Miado.rd [apoo d!Z] L Z T E 8 $utw0AM [,CUD] alike y u [waits] aniaa xoPgoH Z£ 3o ssaippg ayl sgq Jijluaun0 tjOILM 013 Z T o Z o 1; 9 0 8 T li Z T :IagwnN QI ta d goaaatp ga Zezozggo atm uo pagTaosap se BuiwoICM 'Aqunop uZoou-Z 'satiousg )iaa.tj 1sp03 go 8Z qua [uoilotpsunf Smpioaag ;o au' N1 [uotlotpsunr 8utpiooag ;o adkL] utozUTZ JO ii1unop atp u! palnooj Auadoid paquosap ButMoloj aq1 'ajes jo iaMod g1!M `52j3I^l ;o su8tssg pure saossaoons am 01 pug (su2Isse pus szossa00ns s pug iapuaJ 10j aaulwou Sg Ajajos) S2 alAi 01 ,(anuoo pug urea `a8g2uotu Ag2.10q saop iaMouog `asodmd sup Jod 'aloN am pug luawnslsuj 1lm0S sup iapun sivawaaz2g pug sluguano0 s,laMOUOg 3o aouguuojiad am pug :010N 011 jo suori oljlpow pug suolsualxa `sj1Maual jjg pug `ureorj 041 Jo 1uawAgda.J aqt :Japua'Z of 50111005 luawtulsul *moos snlI A.L?IHdO&I 311.L NI SIHORI 30 2IH3SNV LL •luawnisuj AllmonS sup io/pus aioN aql iapun suonu qqo s,JOMOUOg pawnsse sgq ,Cued lggl 1ou ro I01{10(M `,Cliadord gip of app traajgl sgq lggl ,iugd Aug swain „aaMo.uog jo ;saint!' uj .tossaaonS„ (a) --q ,,r DOC #:322594 tZ ®6A(WY) (0005) 0 Ad 083 UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums; if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums. in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of APPL #:0001609294 //1 -OAN #:0001609294 Initial Page 4 of 15 Form 3051 1/01 40 /1. L90S WJoj 1 NKO'I u! sl ;o 4 eaed {5000) (AM)V9 t6Z609t000 'IddV s6SZZE:# Joa OI UILEUM •uag alp 8utd;quapt aogou u Jamolog anT2 Auw Japuoi luawngsul *moos sup uano Aiuoud utmlg ugo iOtyM uaq u o1 loafgns st Auadord aql ;o l.md Auu imp sautuualap uapurj ;I •luawnulsuI 'Clunoos sup o1 uaq at1 8uggutpuogns uapum•I o1 AJoioujsqus ivauaau8e lie umg alp jo iapioq aq1 woJ; samoas (0) Jo `papniouoo Jug s2uipaaooad 'ions 'pun ,Ciuo rig `8utpuad ale s8utpaaooad asogl apgm uatt aq1 ;o luawaoiojua aql luanaud o1 aluiado uotutdo s,Japua'-I ut gorgm s2utpaaooad ieSai `ut uaii all jo luawaoroJua isutuSu spua;ap Jo `dq guy.; poo2 lit umti aqi sisaluoo (q) :luawamm&g gons 8utwuo;Jad st iamo.uog su 8uoi os ,iiuo 1ng `.rapual 01 o gemdaoog Jmuugu u ur uorI mq1 pins uoge8gqo oqi jo 1uawAud all 01 8uqum lit soat8e (u) :.'among ssolun luawn.rlsul Aiunoas spy JOAO 4a014 slim gotgM Iraq Aug a2.rugosip ,Cildwo.rd hugs JamOlOg uogooS ut paptnoud zauuew alp ut wot ,Cud hugs Jamozrog `swain mama are swab °sog11ug1mum ati oy -Aug 31 `Sluawssassy ptm `sand `sang uogetoossy Aiiunutroj pug 'Aug j! `Aluado1d ay1 uo Sluau punoiB JO sluawaud piogasuai luaunulsul Alun0as sign JOAO iiluotud utgliu ueo gomm A1Jado1d ag1 0l aigmnqullu suogisodwt pug `soul; `soarmio `sluawssassg `saxel itu ,Cud hugs lamo.uog •suat- :saaigg3 •b •Japua-j ,Cq piaq spund Aug JamoJJOg 01 punjoi Apdwoid hugs Japum-I luou nilsul Auunoas s►y1 iiq pamoas scans IT jo tin; Ut luawXgd uodn •sluawAud ,iigluow ZI uugl atom ou lit lnq `ddSd2i 4UM aougpi000u ui Aouaiot;ap aql dn oval 01 mssaoau lunoure zip iapuo of /Cud limp Jamo. uog pug `ddSgg Aq paiinbai su JamoJJOg Ajpou Itngs 10pu01 `vasau Japun pauijap su `MOUOSO uc p'aq spund ;O ,COUO!O!;ap n s! aaartl jt •sluawAed Iiitluow ZI uugi aiow ou ur inq `vdSgg y1!M aouupioaou lit o2uuogs all dn aaiuw o1 AJgssaoau iunoum aril .rapua1 of Aud'Tugs .raMOuog pug asa-a (q pannbai su JamoJuog A;pou Timis iapuoi `ydS3 I iapun pauuop su `MOJOSO ui ptaq spund jo a2muogs g st 01041 JI •VcISd2I 1 .11?^A aouupJ000g lit spun; SSOOxa ag1 Jo; JOMOJJOg 01 lun000n filets JapuOZ `ddSgg .spun paui;ap se `MOJOSO lit plat sprind ;o snidms m Si aaatl 3I ydSd2i �Cg pannba.r sn spund ay1 ;O 8uqun000u'mum uu `agrug3 lnogllm `JOMOIJOH 01 ani8 huts Japua7 spund aq1 uo ptud aq Hems lsaualut 1gg1 `ianaMO4 'BuquM ur aaJB1 uuo Japua-I puu JamoJJOg spund all uo S U UJna Jo Isaaalu! ,Cum JamoJrog 'Cud o1 pannbai aq IOU ITugs Japua- `spund 041 uo ptud aq of lsaualut sannbai mei a'geogddy JO BuquM ut apuw st luawaaa2u ug ssaiun •a8ngo u gons oval of Jopua'l Sliu uad MuZ oiquogddy pug spund alp uo 1SoJmlut 10MOJJOH &Cud Japua'I ssaiun `swall Mouosg aq1 8utA;uan JO lun000g MOJOSO all 8utzApeue Attenuum `spund alp But,Ciddu pug 2utp'oq Jo; JOMOIJOf a2Jeto IOU nulls Japua7 'ydSd2I Japun poi ;toads atrq aq1 Ugt1 Jalei ou Swa1j Mouosg at1 iced o1 spund ay1 Aiddu Hugs uapuoj •lugg uuo-I atro�I TuJapad Aug lit so (paansut os are satsodap asogM uognlpsuI rrg Si Japua'l J! `Japuo 8utpn'oww) Aipua Jo `Arieluawnulsui `Aouo2u Tmaapa; u Aq paansut 0Je slrsodap asogM uopnlrlsut uu ut ptaq oq Timis spund aq j Me-I a'geouddd 4ITM aOUepao3OE ui 0SIMJay10 Jo SWOII MOJOS$ amity jo sainliPuadxo jo salewgsa aigeuosuaJ pug ulgp luauunO ;O sisuq alp uo anp spund ;o lunourg ail awurpsm Hugs .ropual VdSg2i Japan aurnbaa ueO aapuOI g 1UnoUre =uric= alp paaoxa o1 1ou (q) puu Jopun pat ;toads own ay1 1g spund ay1 Aiddg 01 Jmpuo' ltuuad 01 luatogjns (u) lunoure Ue lit spund ploy pug IOOHOO `aura Aug 1g 'Amu Japum-I uogOas stria Joplin paatnbai Iraqi an mill `slunoure tons Ut pug `spund Hg Japua-I of iced Keys JOMOJJOg `uoquoonar tons uodn `pug Si uoUOas y11M aougpao3O1 lit uant8 aogou a i q awq ,iug 1U SLUM Mouosg Hg Jo iiuu 01 su Jani?M 041 a)TOnaJ Amu Japua-I •1unoUre gons ring uapua-I 01 iiudai 01 6 uopOas Japun poie8ggo oq min Huts JOM0JJ0j pun iunoure tons ,ied pug 6 uotlOOS uapun s1g8u sit asIOJaxa Amu Japuoi `wall Mouosg lie 10; onp lunoure ail /Cud 01 sire; JOM0JJOg pug `Jant1M g of luunsmd 'AClloanp stroll Mouosg ,Cud o1 pow2ggo st Jamouog 3I •6 uogoog ur pmsn Si „luawaaJBu puu luguanoO„ asuugd ata sn luawnJlsul *moos sup Ut pOUtuluoO luawaa1Bg pug luguanoO n aq 431 pawaap oq sasodmd He Jo; Hugs sldra0al apinoJd o1 pue sluatuAgd lions a)'ew 01 uogg2gqo S,Jamozrog •aiinbai Auw Japua-J sn pound amp tons uttIIM luatuAud gons 8utouopina sidtaoau uapu0Z o1 gstum; hugs `sannbai Japuo -i 31 `puu Japua-I ,iq panrem uaaq suq spund Pe 08 ar 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 DOC #:322596 0 6A(WY) (0005) Page 6 of 15 APPL #:0001609294 OAN #:0001609294 Int Form 3051 1/01 1.011. LSOS WJad b6Z609T000: NVO`I gee 9l JO L seed (9000) (AM) WO b6Z609T000:# 'IddV L6SZZE:# 301 alquuoseai SutAed (0) pue :woo ur Suueaddd (q) :luawniisul Alunoos sup Jaw Aluoud sun yorgM uor! a Aq pamoas suns Aue SuiAud (e) :o1 panwrl lou 0.913mg `apnpur ue0 suorloe s,JapuO-J •AuadoJd oqi 2uureda1 Jo /pue Suunoas pue `AuadoJd ani jo amen 0tp $urssasse Jo /pue Surloalold Surpmour luawn 1sul Aumoos sup Japun suiSu pun Auadold ayi u! Isamu! s,Japua- mold o1 ale io aigeuoseai sr Jo/town/it Jo3 Aud pue op Amu Japua- uayl `AUadold am pauopu13ge sey Jamouog (o) Jo `(suonelnsal Jo mg! OOJOJUa 01 Jo ;UawnIlsul Alunaas sup Jano Aulorld mum Amu LOrgM tag a 3 1UOU1aDJO;Ua Jo; `amitapo3 .10 uorleuwapuoo Jo3 `alegoid `A01dnnluuq ut Surpoo old a se Bons) IUawn1lsul Aumoas sup Japun s1i2U Jo /pue Auadold otp ur 1samaiu! s,1opual loa3313 Apueor31USrs 1g2rw 11141 Surpaaoold !1320! sr °Jays (q) `luawnllsul Alunoas stye ur paunnuo0 muatuaaat pue slueuanoa aqI uuo3JOd o1 sire3 1OMO11Og (e) 3I ;uautnJ ;sui A;!JnOas sly; spun s1112111 pug A ;radord ay; ui ;sara ;ai s,rapU 3o uol ;Oa ;Ord '6 •aouaprsa1 iedrouud S,JOMOJJOH se A1Jadold otp jo A0u13dn000 s,JaMouog 2uruJoouo0 suoneluasajdai `01 pairwr! 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Aug of 11141 0933 U13y) 1ag1o) sig2u S 10Mol1og 3o Jaylo AUe (q) pue lUawfhlsui A1un0as spy Jo alON aqi Japun predun slunowe oql poaoxa Ol 1011 mow 1113 111 spo00old 0011e1nS111 Aue 01 SIq&I S,10MOUOg (e) Japua' 0l su2!ss13 Agalaq 10MOU0g `as!MJaylo 10 ZZ U0r100S lapun AuadoJd oql sairnboe Jopua-I 3r 10 'mono Jaglra UI •uan12 s! oopou 0931 uagM ursaq 1!rM pouad Aep -0£ Oq,I limo am aplas pug alerlosau Amu Japua-1 11013 'luml0 a alms 01 paza ;3o set! 1011.9130 a0ueJnsut 0931 !11111 Japua' way OOIOU a o1 &Cup 0£ Uig1!M puodsoi lou saop JaMOJJOg 3I •slannw pa1Ema1 pue 'rump aOUeinsur algnirene Aue aplas pun alerlosau `0313 Amu Japua' `Auadold am suopuege 10 0.U0g 3I •Z uorloas ur Jo3 paptnozd Jopwo 013 ur pogdde oq !legs sp0000ld =emu! yons •Jamouog 01 pied 'Au13 3r 'ssaOxa 0131 y1rM `anp min 1011 Jo Jagla9M luawnIlsul Alrin0as sryl Aq palnoas suns otp 1 d l be AA \I 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. DOC #:322598 APPL #:0001609294 ®6A(WY) (0005) Page 8 0115 Ini 08'r OAN #:0001609294 Form 3051 1/01 L0 /1. 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Aug jo ianteM 11 a1nitlsuoo !ITM IaMOliog of 1uawAed loam Aq apew punjai'ions Aug jo aoueldaooe s,iaMouog •(aloN 041 Iapun Io3 paptnoid sT o i qo 1uawkedaid a IOU Io 104104M) a8.rego 1uaw,Cedaid Aug inogltm luOwAgdaid mitred 11 se poleax! aq !I!M uoIlonpal ay1 IedtODUd saonpai punjai 11 3i •IaMOIIOg o1 1u0wA11d 1001p a 8upl11w Aq 10 010N a41 Iapun panto 111dtouud all B I Onp0I ,Cq punJai spy wiew 01 asoopp A11w IOpu01 •IOMO.uog 01 papunjai aq !pm smw!! palliwiad papaaoxa 40i4M Iamo11og wag paloalloo Apra* swns Aug (q) pug :mull paimwiad a41 01 a81e40 0410onpal 01 AI11ssooau lunoue 041 Aq pa0np01 aq hens 0811140 ueo! Ions Aug (g) :11041 `situ!! pauiwiad a4) p00= ueor 041 qnm uopoauuoo ut poloolloo aq 01 so pa)oalloo sa81ego mot 10410 10 ISOJOIut 041 le41 os pa1a1d.a1u! Allgut3 s! mg! 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Ap0W01 .10 1g8t1 Aug 8uisiOiaxa ui 1opuo' Aq =mow; Auy •Iamoiiog 30 Isaialu' 111 siossaoons Aug JO IaMOnog p ui8uo am Aq ap11U1 pugwap Aug jo 11000I Aq luawnllsui A1tm0aS spy Aq pamoas suns a413o uo411zpiowe Ajipow °swMiaylo so 11.10wAed 1O3 awn puma 01 asn301 01 Jo IaMOZtog 30 Isazalu' ui Iossa00nS Aug 1sute811 s8utp0000id aouawwoo 01 pannbal aq 1ou !legs iapuari •i0MO110g JO 15010111I 111 SJOSS000nS Aug .10 lamo1iog 3 A14tgEtl 041 as1Olal 01 almado 1ou hulls IOMOIIOg 30 150101111 111 Iossa0OnS Aug so Iamoll0g o1 iapua-i Aq paluea luawnIlsui Al!JnooS stye Aq pamoas suns 04130 uotlezpiow1130 uopeot31Pow 101u0w4Pd IO3 011111 0y1 1O uotsu0lxg •Jantem a ION iapuai kg aoueaeagaog '.pasealaj ;of( aamo.uog 'Zi icf DOC #:322599 moos) 0 8 (b) Any such agreements will not affect the rights Borrower has if any with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and /or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 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, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. APPL #:0001609294 1 1 .LOAN #:0001609294 initl Page 9of 15 Form 3051 1/01 LO /L LSO£ WJod 56Z609T000:# 6 0 Sl 1a tt ®Bad (s000) (AM)V9 66Z609T000 'IddV T09ZZ£:# Doa gftM uonoauuoo ut saitnbat ydsau uopeuuojut iagio ,tue puu spew aq pinogs sluawArd gotgM o1 ssaippe 0141 `baoinaas urog Mau agf 3o ssa.rppi; puu aumu ag1 alms IIIM gonim aluugo ail JO aonou uaflUM uanil aq IIiM JOMO.uog 'baotnbas ueo-i ag13O aluego a st atom 3i •a1ON alt 3o ales a of paleiabun aaotnaas moil ail jo saluugo 010W JO auo aq lgltw osp aiouj Mej aigeogddy pue luawnbisui Alunoas stip `aloes oqi rapun suoneltigo 2utainias ueoi a2u2trow raw suuopad pur luawnalsui Altmoas s!gl pur OIoN alt iapun anp stuawi Ud otpottad sloapoo 1eg1 „laotn.Ias ugog„ 0141 sr uMou)i) Mrlua am ut aluego r ut linsai lggtw airs y •baMObaog of aonou .loud lnogl!M sawn aiow JO auo pios aq ueo (luawnnsui Alt/n=8 snit ppm .Iagia2ol) a1ON oip ut lsabalut ietlird a bo awls' au •aauena!JD 3o oat ;oN :.Iaatnaas new' Jo aluegg :aJON ;o aius •OZ gj uonoas .Iapun uontaaiaoop 3o aspo 0141 ut Aidde iou pugs aluisuta' of iglu snit `.ianaMog •paun000 peg uopriaiaooe ou ji Su annoa3 ;a Aiiin; urewa1 hugs &taiag pamoas suopu2tigo pug luawt tsul Alunoas stgi `zaMouog iiq luawalelsutai uodn •aaJsuul, spund otuogoaig (p) JO :Mnua bo Ifgeluawnbisut 'i6ua2e ipaapai a (q painsut am slnsodap asogM uonnlnsut ug uodn umuip st loago gons Cue paptnobd `,pogo monism so )pogo s,1amsuan ')pogo ueq pamJ pan (o) 'Japan itauow (q) :gsgo (e) :aapuag Xq paloaias se `sWIo3 2utMopo3 oqi jo aiow JO auo ui sasuadxa pup swns fuawalmsutab gons ,Ced .iaMO.uog legs annbaa Amu iapua' •paluugoun anunuoo pegs 'luawnblsui Alunoas still painoas swns agf Xed o1 uonrlggo s,1oMO.uog pue luawnalsui ,(lunoas spit bapun siggti pue Aliadoid am ut lsaaalw mapua7 legs amsse 01 aainbaa Aigeuosuai ,(rw iapua- se uonoe gons savi (p) pug :fuatuansui Alunoas stip iapun swap pug filmdom 0111 un lsaaatu! s,aapuag lunoalobd jo asodind agi boa pa.unout saa .iaglo pug 'saa3 uonenien pug uonoadsut Aiaadoad 'sag ,shubolle aigeuoseoi `of paitwti wit lnq `2utpniout luawnnsui '(lunoas spit gutorojua w pa.unaut sasuadxa lie s,Crd (o) `sluawaa.ige .io slueuanOo raglo Aug jo iinejap Ante sin (q) °pann000 peg uongbaiaoop ou 3t sr OIoN ail pur luawnalsui r(funoas split .Iapun anp aq pinoM trail got1M swns ite aapuag s,ipd (E) :aamobbog 1rg1 are suontpuoo °soil, •ivawtuisui Iilunoas stip gutoioJua luawlpnf p 3o Aqua (o) JO :afelsutab o1 igltb s,.raMouog jo uongutwaat 0141.Io3'Snoods 1g2tw Mp7 aiquogddy sr pouad raw gons (q) :tuawnalsui Atunoas snit ut pauwiuoo ales 3o bamod ,iue o1 luensand ,ilsadoad 0141 3o airs mpg sI Ep anti (e) :3o Isamu° ail 01 .loud awn Cue 1e panunuoOstp luawnblsui 1lunoas snit 30 luawaoIoJua anug o1 lg2ii 0111 aneg Begs aaMO.uog `suontpuoo uteliao smut bamo.uog 3i •uot;e.raiaoay as ;iy alelsutag 0; 1112!U s,aaAOaaog •61 •laMO.uog uo puewap bo aonou sagf.m31nog1lM fuawnalsui Altmoas still 1q palltwiad satpawai nitre wionut few iapua7 `pouad spit jo uoneatdxa ail 01 loud swns asagi led o1 siiEJ 1OMOxrog 3i •fuawnblsui 1lunoas stgl 1q pampas swns lie ,led lsnw bamo.uog gotgM upgitM S 1 uonoas gl1M aotrepJOOOE ut uant2 st 03nou ail amp ail wool &iep p£ uegf ssai lou 3o pouad a aptnobd pegs aonou at1i •uonebaiao)E JO 03nOU .IOM0.u011 ant$ pegs bapuag 'uondo split sastoiaxa .Iapua' 3I Meg aigeotiddy 1(q paitgtgoid st astoiaxa gons ji aapuag 1q pastoaaxa aq 10u pegs uondo stgl 'aanamog •luawnblsui 1ltmoas still 1q pampas swns lip 3O IIn3 ut 1uaw1ed aletpawwt annbaa view aapuag `fuasuoo ualluM loud s,bapua-I 1notil!M (pauaJsueal so pios st aaMObbog ut Isaaafu! ieto1jauaq a pue uosbad iebnteu a fou st IaMOIIOg ji ao) palaJsueai JO pins Si Attadoid ail ut Isamu' Aug 10 1laadobd ag13o lbgd 1ue 10 tie 31 •basegoand a 01 amp alum; ale IaMOUOg Xq ajln jo nom”) am st got4M jo maw! agf luawaaale MOaosa JO 13e11U00 sales luawpetsUI aoj loEIfuoo `poop aoj puoq a ut pabaaJstmg stsaralut ietotjauaq asogl `01 paltwtt wit fnq 'luppnput 'Albadobd 0141 ut lsaaalU1 ietotjauaq JO iplai Aue sunlit 1laadoad ai{1 to lsaaalui„ '81 uonoas snit up pasn sy •.IaMOJJOg ut ;sal ;ui Tetai3auag a .ro 1;.Iadoad aq1 jo aaisueal, •gj 1uawnalsui Altman stgl 3o pue atom ail jo 1doo auo uantg aq pegs JOMOaaog •1(dog s,aaesoaaog •LI •uopoe lug art of uonelpgo Aue inogliM uonaIostp otos sand ,,1ew„ p1OM 0141 (o) ptir `esaan aopn pug iemjd agf apnput ptre treaty pegs aeinlups 0141 ut spaoM (q) `bapual aututwo; ail 3o spaoM bo spaoM iainau 2utpuodsauoo apnput pug uraw pegs aapuag autinosew ag1 3o spaoM (e) :luawnbisui Alunoas stgi ut pasn sy •uotstnoad gupogjuoo ail tnogltM 1oa33a uantl aq treo gotiiM a10N 0141 10 luawnblsui ,donnas spp 3o suotstnosd 101410 1oa33e IOU pegs ionjuoo gons 'Mel aiggopddy gf!M 510113uoo a1oN 0141 .to luawnblsui *trims split 3o asnrp ao uotstnold Atie 1et4 luana ail uI •loealuoo luawaaale lsutele uontgtgoid a se pan.gsuoo aq 1ou plugs =taps gons fnq 'luaits aq 1g8tw 1p JO 10e111100 1q gable 01 sallied ail Mohr 1gnotidwt .JO 1ptopdxa lgltw Meg aigeotiddy Mpg aigpoiiddy ;0 SuoneIAwi pue sluawannbaa Aug o1 loafgns ale luawnblsui 1lunoas snip ut pauteluoo suonelpgo pue slglu py •paleooi Si Auadobd ag1 got1M ut uotlotpstinf agf 3o Mei 041 pue Mri Tampa 1q paruanol aq pegs luawnIlsui 1lunoas gnu •uot;onalsuog 3o saing :1; :Meg lmuaanop •91 a 4l 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. DOC :322602 4z) ®6A(WY) (0005) APPL #:0001609294 (y f/(/��OAN #:0001609294 IN Page 12 of 15 09i... Form 3051 1/01 10 /1. LSOS WJO 66Z609T000:# NVO' .60 v tidal 91 JO Et e6ed (9000) (AM)b9 20 66Z609T000'-# 'IddV £09ZZ£ DOG tutu OAM 30 smut uogdwaxa pea;sawoq ag1jo anl.nn Sg pue Japan s1y5u IIE sanlem pue sasuaia.t Jannouog •saanleM •t Z *Awl aigEatiddy zapun paluwiad sl aa3 ag1jo guigimga ay1 pue paiapuai saDinias .to3 /cued pngl E o1 pled sl aaj aq1 3l /quo 1nq 'luawnusuj Slunaas sup 2utseaiat Jo3 aa3 a .Jamouog agrega Sew iapua'l •sisoa uolmmoaai ,Cue iced 'Tugs iamo.uog •luawnnsul Sil.naas sup asua'ai hugs Japua-I 'luawnxisul XiunaaS sup ,(q paanaas sums Tie jo 1uawSed uodn •asealag •£Z ;i o; pa; ;l;ua Sj10al suosaad ao uosaad ag; o; ssaaxa Sue (a) pug ;uauina ;sul S;lanaas slq; Sq pumas stuns He o; (q) :saa3 ,sSauao; ;g algeuoseaa 'o; pagug; ;ou ;nq ';Iutpnlaui 'ales ag; jo sasuadxa He o; (e) :aapao 2uimollo3 ag; u' pal'dde aq ;legs ales ag; jo spaaaoad aq j 'ales Sue ;e S;aadoad ag; asegaand Sew aaualsap s ;l ao aapua'3 •me•I algeagddd Sq paglaasaad aauuetu ag; ul pros aq ;legs S;aadoid ay; pug 'ales jo Jai ;ou ag; gsggnd Heys aapud- •SI uol ;aas ul papinoad aauuetu 3141 ui JaMOaaog o; ales ag; 3o aapou anlg !legs aapuaI •ntei algeagddv g;lnt aauepaoaae ul ';uaaa33lp 3l 'S;aadoad ag; jo uolssassod ul uosaad ay; o; pue aansoaaog o; asoIaaao3 0; ;ua ;u► 3o aai;ou anTB Hogs aapua•1 'ales jo aantod ag; swim! aapuai 31 •aauapina a; ;l; jo s ;soa pue saa3 ,sSauaoie algeuoseaa '0; pa;lwl; ;ou ;nq 'gulpnput 'ZZ uol ;aas siq; ul papinoad salpatuaa ag; gulnsand ul paaanaul sasuadxa He papa o; pal ;l ;ua aq 'legs Japua1 •nte a;geallddy Sq pa;;ltuaad salpawaa Jay ;o Sue pue ales 3o aantod ag; agonul Sew pue puma!) Ja ;an3 ;nog;intt ;uawna;sul S1lanaas sty; Sq paanaas scans He 3o illy ul ;uauded a;elpatutul aambaa Sew uoi ;do s ;l ;e aapuaT 'aai;ou ag; ul pat3laads a ;ep ag; aaopaq Jo uo paana ;ou si ;Ine3ap ag; 31 *am pug u0l ;eaalaaae o; Jant0JJ0g 3o asuapap aaq ;o Sue ao ;Ine3ap e 3o aaua ;sixa -uou ag; passe o; 'tome ;anon a ilulaq o; ;Oa aq; pug uol ;eaalaaae Ja ;3e a;g;sulaa o; ;gala ag; 3o aanto.aog mop! aaq;Jn3 ;legs aal;ou aq1 •S;aad0Jd ag; 3o ales pug ;uatuna ;sal S1lanaas slq; Sq paanaas stuns ag; jo uopeaalaaae ul ;;nsaJ Sew aal;ou ag; ui pawaads app ag; aaopaq ao uo ;Ine3ap ay; aana o; aanlie3 leg; (p) pue :paana aq ;sntu ;Ine3ap ag; galgnt Sq 'aamoaaog o; uanlg si aai;ou ag; amp aq; WOa3 sSep 0£ ueg; seal ;ou'a ;ep a (a) ;Ine3ap ag; amp 01 paalnbaa uol ;ae ag; (q) :;Ine3ap ag; (e) :S3laads Ilegs aal;ou at u, •(asintaaq ;o sapinoad nte-1 a ;geal ;ddd ssa;un g1 uol ;aas Japan uol ;eaalaaae o; aoiad 1ou ;nq) ;uatuna ;sal S ;lamas slq; ul ;uawaaa2g a0 ;ueuanoa Sue 3o gaeaaq s,aastoiJOg Suitt0I;03 uol ;eaalaaae o; aoiad Jantoaaog o; aal ;ou anlg Heys aapua-I •salpatuag !uol;eaalaaay •ZZ :smol'o3 SE aa.tge pue 'ueuanoa jotpie3 Japua1 pue JamoJJOH 'SINVNdAOD WUOdINfl Witnesses: DOC :322604 (0005) 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. APPL #:0001609294 Page 14 of 15 George Tackson e%a -r,t (Seal) Dian L Jackso o 9 :J (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower LOAN #:0001609294 Form 3051 1/01 1.0 11, LSOS w. i6Z609T000:# NVO'I :ss C ;unoD 1 1 1 1 1 uosxopr Z urta 'uosxoar g a5aoaj ,(q 000 Z 's Z .z act uanoN spy gut aiojoq papa(nnouxau ssm luautn gsut 2utagioj au j 4t1o91eBed (s000) (AM)v9 ®f® 66Z609T000 'Iddv SO9ZZ£ oOa 7 :sa.ndxg uotssnuuioD iy41 ufoouiZ `DNIYAIOAAA AO u v1s