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HomeMy WebLinkAbout869935AP# M88MANTW1559847 LN# 1559847 MORTGAGE Sixty Seven Thousand Nine Hundred and no /100 Recorded tu l4i'�lf.... A.4 .:1.. Kemmerer, Wy ts Jeanne Wagner, Clerk [Space Above This Line For Recording Data] MIN 1000142 6000007650 -7 THIS MORTGAGE "Security Instrument is given on November 20, 2000 JON M. MANNING and STEPHANIE L. MANNING, HUSBAND AND WIFE The mortgagor is "Borrower This Security Instrument is given to Mortgage Electronic Registration Systems, Inc. "MERS (solely as nominee for Lender, as hereinafter defined, and Lender's successors and assigns), as beneficiary. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. OLD KENT MORTGAGE CO. "Lender is organized and existing under the laws ofM I CH I GAN and has an address of 4516 SOUTH 700 EAST, SUITE 230, SALT LAKE CITY, UT 84107 Borrower owes Lender the principal sum of Dollars (U.S. 67, 900.00 This debt is evidenced by Borrower's note dated the same date as this Security Instrument "Note which provides for monthly payments, with the full debt, if not paid earlier, due and payable on December 1, 2030 This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as WYOMING Single Family- FNMA /FHLMC UNIFORM INSTRUMENT WITH MERS Page 1 of 6 0 -6N(WY) (9802).01 MW 02/98.01 VMP MORTGAGE FORMS (800)521 -7291 Initiels: (J For 3051 9/90 Iu I I Amended 2/98 11 1 1 06/6 LSOE WJOd g p t eOed O*lz0861 (AM1N9 ql,a,1 •a1oN all iapun anp sa;I.rego awl Aue o1 'ism pug :anp Tpdpuud o1 'guno3 :anp Isamu! or 'pith :Z gdearird aapun ajgpArd slunoure of 'pumas :aloN all zapun anp sallego 1uauuAedazd Aug o1 '1sig :pajjd& aq jjggs Z pug T sgdu .red iapun zapun Aq panjaoai sluaur,ied jig `asphiaglo sapinold Mpj ajgeotjdde ssajun •sluaurAsd 3o uous3Tiddy •luauttulsut Animas sill Aq pampas sums ail lstgr5r 11pa10 E se aims 10 uopisinbue Jo au p ag11e iapua-I ,iq pjaq spund �iug Arddg Ilegs 1adozd am Jo airs JO uouisinbag am or loud `lapua -I uadold at i Has 10 a1 nb3r 1111145 lapua' `1Z gdri pzgd .spun `3I •zapuarl Aq Nag spund Aum iaMozaog o1 punjaa Apdtuoid imp aapuarj luatutursuj Alunoas si11 Aq pampas sums Ije 3o unJ ui luatuAEd uodn •uoilazosip aiios s,lapua-I le `sivatuArd Ajgluour anlaM2 uegl alour out ui Aouarouop all dn awl heirs 10MO11og •Aouatouop am dn aalem of Algssaoau lunotur all lapun of Ad um 1aMO11Og 35110113ns ui `pue `2uili1M ut 12MOZZOg ,Cji10U OS ,Cruz zapuoi `anp uagM stuall Molosg ail Ard of luaiotJ3ns 1011 st amp Aug le zapua�t q Nog spund a113o iunowi am 'Met ajgeotjdde 3o sluatualinba1 all 11TH aouepz000e ui spund ssaoxa all 1o3 lanonzog of iun000g Timis lapua-I 'Mmm ajgeotjdde Aq Nag aq of pauitund siunotug 3141 paaoxa lapual ,iq ppg spund ag13I •luatun11su1 A1tUn0as sup Aq pampas stuns IT 103 A1tlnoas Ieuoutppg sg po2pajd an spund at11 •apput SEM spund am or map goes gotgn 1o3 asodind am pue spund all o1 sitgap pue siipal0 $u hogs `spund am 3o 2utlun000e jenuue ire `a rego lnoglun `.12M011013 of ants Hugs lapual •spund ail uo pied aq Rugs isalalut 1eg1 `lananol ut2uM ut 031211 A11u11apuat pue zaMOZZOg spund ail uo S UIUJEO JO 15010111! 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Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 5. Hazard or 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 floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. 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, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30 -day period will begin when the notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. 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. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, 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 approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. 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'ilunpas sop ,Cq pampas sums ag13o lunot1111 alp 11111(1 1a111a1S 10 01 tenba st Sup(e1 am =jag iCtai11tpaurun Arrodord 01(130 amen la)tretu 1(113 am gptgM ut ,Clladold at13o Sutler (gtlred g 30 loam all u! •1aMOUOg o1 pled ssaoxa I(u11 t(11M `anp tram 1011 10 1atlagm luatunllsui Aitlnoas stgl /Cq pampas sums am or pattdde aq ttggs spaaoold am `Atradold ag13o Suptur (11101 u 30 loam all u! •lapual of mud aq !legs pue pau8tsse dgarag 0111 `uotl11utuapuoo 3o Hatt Ut 03U1,(OAUOO 10310 `Alladold 01I1 JO 1red dug 3o Sup(111 pip 10 uopumnapuo3 ifue mph uopOauuoO Ut `(e(luanbasuoO 10 pomp `sa211tuep 103 u1tg(O 10 pump ifue 3o spaaoold ati, •uoi ;euurapuop •01 •uot1Oadsut ag11o3 asn11O atgeuosear Sut,fJ(pads uotloadsut tiu of loud 10 3o amp all re aotlou 10M0110$ ants !tugs lapua-i •Airadold ag13o suOpOadsut pu11 uodn satllua a(g11uos11al alum Arm fua2u s2t 10 iopua- •uot ;padsui •6 vim! a(g110ttdde 10 lapua-i pU111amo11og uaam1ag luauraa1S11 ua11uM Aug mph 03u11p1000e ut spua OOtrumsut 02u2310W 103 luatualtnbal am !pun 'amasar ssot a aptnold 0110 '1Oa33a ut aOUelnsut 02112llour utelumur o1 paltnbal stunturald am hd HMIs 12mo11og •pautufgo st pug atg11ttgng samooaq ut112111apua7 Aq panoldde Jammu! ue £q poptnold (saltnbar ropual 11111 pouad am 103 pu11 lunour11 am ut) 0211lanoo a3Uemsut a212310W Jr 'lapual 3o uotido alp 111 `paltnbal aq 102110! ou Amu swam/Cud 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. 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. Borrower shall promptly give Lender written notice of 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. If Borrower learns, or is notified by any governmental or regulatory authority, 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. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances 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. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender, at its option, may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by applicable law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of' sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with applicable law. Lender shall give notice of the sale to ®6N(WY) (9802).01 Initial 4 1 SL) Yl Page 5 of 6 Form 3051 9/90 06/6 190E mod ]aMO]JOg- (i iamouog- (WaS) Jamouog- (ieaS) iamOUOg- (i 1,) .4 000Z `zagnu J9' APP PUZG :ss dlunoO uolaJ iaMOUO 9NINNVW '1 3INVHd31S -9 1W'WNOC o ►tgnd ArcloN g M g e8ed I) 9NINNVW '1 3INVHd31S PUe 9NINNVW 'W NOC dq slip our aaojaq pa2pajmouvg sem luaumalsut SucoSaaoj aqj iaMOl]Og- J MO.Iuog- (I laMOI20g- (i LOi Ogs) (AM)N9- CO /ZT /6 Art 0t h :saudxg uolsslunuoD' IN `DNIINIOAM 3O MINIS :sassaui'M ll goon paw= pue aamollog dq palnoaxa (s)iapu Aug ut pue 1uaumapsui Mutton slap ut pauteluoo swam/too pue suual at1 01 saalgg pug s1daoog .iamoraog `MO'Igg ONINJIS Ag (poads] (s) a1d _tam aunog pu000s In aaplg luauianoaduii alga aapjg puaundgd dpalaamig n aaptg luaumdoianaU min pauugid IT Iapt dlnug3 b -I I I aapra umiuiunopuo3 II IaP32I VA Iapra uoojlgg Iaplg luaunded palenpgj0 fl] aaptg alga ajgepsnfpd II [(sa)xoq ajggotjdde loagj] •luaumlpsul dlunoos slip jo ugd g 0a0M (s)aapta alp j sg luaumusui dpunoas snap jo spuauiaal a pug spueuanoo tap luauiajddns pue puaung "leas pug olun palgaodaooul aq "legs Iapna tons iota jo sruatuaaag pue spuguano° aq1 luaumllsui dlunoaS slap guM aaglaSol papaooaa pug aaMOaaog dq palnoaxa tag saapu aaoun .10 auo 3I ;uamna;suI d ;lamas siq; o; saapni •pZ •dlaadoad aa1 uc aamop pug dsauno jo slaSta lie satstnbu►jaa pug duadoad aq1 ui uouduiaxa pealsauiog jo s1g2u Ijg sanjem aamoaaog saaniuM '£Z •slsoo uougpaooai due dad Hells iamolaog •aamoaaog of a$ae 1noglnm luaumalsui dlnanoas sits aseopi Hells aapuarl `luauznalsui dlunoaS slat Act pumas sums He jo luaundgd uodn •asualag 'ZZ •M 03 Pal;llua dpeSal suosaad ao uosaad aq; 01 ssaaxa due (a) pull :;uamna;suI d ;pants slq; dq paanaas sums He o; (q) '.saaj ,s,Cauaol ;e aigeuoseaa b1 pamtull ;ou ;nq 'Sulpnpui 'ales aq; jo sasuadxa llg o; (e) :aapao Suptollo3 aq; uJ pallddu aq plugs ales aq; 30 spaaaoad aqy •ales due ;e dlaadoad aq; asegaand dew aauSlsap s ;l ao aapuai •goal algeailddu dq pagiaasaad aauuem am; ul plos aq new dlaadoad aq; pee 'ales jo aollou aq; gsilgnd flags aapua' •pj gde.Suaed ul papinoad aauuam alp u1 aaMnoaaog To -wit: exhibit "A" DESCRIPTION FOR LaRON J. ANGLESEY AND VALERIE M. ANGLESEY TRACT B That part of the W!'iNEY4 of Section 3, T31N, R119W, Lincoln County, Wyoming, it being the intent to more correctly describe a part of that tract of record in the Office of the Clerk oft. incoln County in Book 391 of Photostatic Records on page 55, as follows: COMMENCING at the northwest comer of the NE1 of said Section 3; thence S00`)-40'-00"W, 836.44 feet to a bathey at the northwest comer of that tract of record in said Office in Book 277 of Photostatic Records on page 241; thence S00 39' -00 "W, the base bearing for this survey and description, 302.14 feet to the POINT OF BEGINNING; thence N88 00' -17 "E, 196.99 feet, along an existing fence line, to a bathey at a fence corner on the east line of said tract; thence S01'- 04' -38 "W, 256.52 feet. along said east line, to the southeast bathe, of said tract; thence S89 25' -39 "W, 201.73 feet, along the south line of said tract, to the southwest bathey. thereof; thence NO3'-01'-59"E, 163.94 feet, along the west line of said tract, to a bathey; thence NOU 39' -00 "E, 87.92 feet, along said west line, to the POINT OF BEGINNING: 11 1 178Z 1 1 11 11 11 L6iL 1Z91008) SWUM 3DVJ11:10W dWn IAA VAP4V oo /voMw E io L aped 00/17 09 L E wood (17000) d L L d0 tuownapui WJonun eeW eruued- Anwed al9u!S -aep)y eoueansui epeppoW epe ;s)1)nW Lb86SSI Lt86SSIMINVW88W s,lalnsut a8e8uoui 2t 1 But tpoui JO 8utmgs 1o; a8uegoxa ut `aouelnsui a8e4low 1o; sluaw,fed s,lamouog ;o uotuod a (se paztaaloerego aq ii2tw io) wo1; antlap 1eg1 slunoura (Xp3altput JO ,f[130np) 2ntaOa1 ,Gear `8uto801o; ail ;o ,(ue ;o aletitj ;e ,Cue so `Altlua 12110 Cu ,e 'lamE11RJ ,Cue `aalnsut 1at[loue `aloN ail jo .tasegoand ,Cue 'lapuari `sluawaal8e asagl jo ltnsat a sd •(swntwald anuelnsui a8e8uow mot; pautelgo spunj apn[out ,Cent gotim) ampene aneti ,few .taansut a8e2uow agi legs spunj jo aaanos Sue 8utsn sluaw,Ced w[ew of lamsut a8e8uout ail attnbat view sluawaaa8e asata •sluawaaa8e asagl o1 (sallied 1o) ,Cued Jailo ail pue laansut a8E8laow agi 01 ,Stoine ;sties aag win suotltpuoo pug suuai uo ajg slua1103a8e asat[,I, •sassoi aonpai so 'Asp rpm ,.tpow 10 MTV legs sawed aagio gitnn sluawaaa8e mu! lama ,few pue 'amp 01 atop woa; ao1o; lit a3uelnsut lions Ire uo Asp Ie1oi ltagi alen[ena slalnsut a8e8uow •a3uelnsui a8z811ow ail 01 ,Cued a 2011 Si 1amolaog •paaa8e se ugoi ail ,Ceda1 sou saop aamouog ;t snout ,Cew It sassoi memo 10; (a1oN ail saseg3and legs ,Cltlua ,Cue 10) lapua-1 sasingwtal aouunsui a;8e8uoyl :(66/£ uegl latilea st Imp _Tatum 1112111amoi aql 3e alep uuo; a seq luawtulsu[ ,ilunoaS alp 3I) 8 uojlaaS 10 (1aiel 10 66/E ;0 1211103 li8u lamo[ 0g1 le aigp uuo; a seg luawnllsul ,ilunoas ail 3t) of uotloas jo pua am le 8utmollo; alp 8utppe ,iq papua u s! luawnllsui ,ClunoaS agy [ssaippy Xuadoi 6II£8 AM`M3IA11IV 'OVOH )133110 U311I8 1569 ,fuadold am 8uuanoo pug alep auras at[i ;o (;,lapua-i HUDI HaNVInSNI ROVOLHOIN :1e pale°oi pug luawnalsui ,flunoaS ail lit paquosap '03 39V91110W 1■3N 010 ail) aiou [alea put •8•a 'mu Jo aortic) ,f;tivapfl s,lamouog aan3as of „1amo11og pau2tslapun all ,Cq uant8 alep auras ail jo „luawnllsui ,fiun3as„ am) paaa Shuns 10 lsn1Z jo pao j `a2e8uoj aqi luawa[ddns pue puatue 01 pump aq Begs pug mu! palelodlo3ut st pue 0002 `aagUUanoN ;o Sup 140Z spp apew st 1apt21 aouelnsui a8e8uow sttaa ;°VI” 0 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. (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. M88MANTW1559847 ©11 R (0004) 1559847 Page 2 of 3 Initials: 31"A CL-n1 85 Form 3160 4/00 00/b 09 L wiod C Geed aamoaaog- (iEas) aamonog- (I aamou (IEaSI 8N I NNVW 1 3 I NNHd 31S Lb86SSE Lb8655IM1NVW88W iamoaaog- (IEas) iamouog- (IEas) iamo1Iog- aamouog- (iEas) (pas) iamoaaog- (iEas) (t000) !!LL®p NI` 'W NOC Y\ luaumafsul ,uunoas aq1 sluauzaiddns puu spuaure ai Lugs saaaE pue lam aou insui a2u21.unAl sigl sldaooe .iamo.uog `moiaq StquS s Ag