HomeMy WebLinkAbout86939911
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(D) "Lender" is HOMECOMINGS FINANCIAL NETWORK INC
Lender is a CORPORATION
organized and existing under the laws of DELAWARE
Lender's address is 14850 QUORUM DRIVE, SUITE 450
DALLAS, TX 75240
(E) "Note" means the promissory note signed by Borrower and dated OCTOBER 27TH, 2000
The Note states that Borrower owes Lender ONE HUNDRED SEVENTY FIVE THOUSAND AND
No/100 Dollars
(U.S. 175,000.00 plus interest. Borrower has promised to pay this debt in regular Periodic
Payments and to pay the debt in full not later than NOVEMBER 1ST, 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]:
7 Adjustable Rate Rider Condominium Rider 1 1 Second Home Rider
Fl Balloon Rider n Planned Unit Development Rider n 1 -4 Family Rider
VA Rider Biweekly Payment Rider 1 X1 Other(s) [specify] TRUST RIDER
11
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(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" mean 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 (1) principal and interest under the
Note, plus (2) 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.
MFWY7770 (04/00) 041- 219584 -4
6A(WY) mu)
Page 2 of 15
(nitla�s:
066
Form 3051 3/99
66/C 150E twod
490
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(4066) (AM)V9
1 Z (00 /b0) OLLLAXSdNI
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leas 2uulanon luaunulsut ,Ciunnas uuoJiun g alnmsuoo o1 uotlotpsunf Aq suotletren paltunt tlit/A siueuanon
uuoJtun -uou pug asn leuotigu 10J slureuanoo tuloJtun sautqutoo LNgy�If121 LSNI A.LRIIIDHS SIH.L
plooal jo sanugiquinoua Aug of 1oa[gns `spuuuiap pug stump
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.toj idanxa `paiaqutnouaun st rfuadoid aqi iggi pug Auadold atp Aanuoo pug mug `32e$uou t of 1tl2p aql
sgq pug paJ(anuoo Iigataq alum aq1 Jo pastas 1ilnjmgl st Jamollog 1E 11 S,LNVNHAOD 2IHMO2I1IOg
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AitlnnaS still 2utlaougn pug 2utsgalai `01 paituttl lou lnq `Sutpnlout iapuarl jo paunbal uotiog Aug avi
of pug :Auadold atli pas pug asoloazoj 01 1g2p atp `01 palttutl iou lnq 'Sutpnlout 'sisa1o1ut asogl jo llg Io
Aug astniaxa o1 :1t12u aq1 sgtl (su2tssg pug slossaoons s,iapua- pure Iapua' Ioj aaututou sg) sugyv uolsnn
10 NMI tpIM Aldwoo 01 (.tgssaoau 3t 'lnq luatunllsul X111nnaS Stijl ut iamauog Aq paluelg slsalalut am 02
app le5al Alm smolt slow letjl saadu pug spuelslapun 1amo110g „•Altadoid„ alp sg luauunllsul ,iltmoas
stgl ut o1 pa11aJa1 st uto5ato3 aq1 3 IIy •luatutulsul ,(lpnnaS suit /(q palanon aq osle jjgtls suojltppg
pure sivatuaogldat lly •4zadoid atll jo Ind g zaljgazaq 10 Mou salnix13 pure `saouguailnddu `sluatuasea
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[uo!to!psunj Rutptooag )o atueu] [uopa!psunf 8utpiooalt jo adkL]
N'IOONI`I JO AINIIOJ aqi ut
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siossaoons ail 02 pug (su2tssg pug siossanons s,aapuarl pug .tapuai .toj aauttuou se ,halos) slow IIAI 01
,ianuoo pug iuga2 `a2g$11ouI ,Cgalaq saop Iamollog `asodind soli J0 •alolq atp pug luatutulsul'(1tlnnaS sttp
Iapun sivatuaal2e pug slureuanon s,lamollog jo aouguuopad aqi (q) pug :a2oN am Jo suopeat tpow pug
suotsualxa `slgMaual llg pug `ureo' aull jo luatu,Ceda1 am (e) :Japua-1 of saunas luaunulsul AltinoaS sttu,
ALlI3dO2Id SH,L NI SIHDDI dO 2Ig3SNV' LL
•luotutulsu i(i still 10 /pug aioN ail Iapun suotiatjgo s,lamonog paumssg sgq And will mu
Jo Iaglagm 'Amdahl ail 01 aT1!1 ua3tel sgq lgtll Aued Aug sureatu „aaMoaaog 30 lsaaaluI ut aossaaanS„ (0)
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(s) or partial payment(s) if the payment(s) or partial payments are
insufficient to bring the Loan current. Lender may accept any payment(s) or partial payment(s) insufficient
to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such
payment(s) or partial payments in the future, but Lender is not obligated to apply such payments at the
time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then
Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower
makes payment(s) to bring the Loan current. If Borrower does not do so within a reasonable period of
time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds
will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No
offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower
from making payments due under the Note and this Security Instrument or performing the covenants and
agreements secured by this Security Instrument.
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all
payments accepted and applied by Lender shall be applied in the following order of priority: (1) interest
due under the Note; (2) principal due under the Note; (3) amounts due under Section 3. Such payments
shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts
shall be applied first to late charges, second to any other amounts due under this Security Instrument, and
then to reduce the principal balance of the Note.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a
sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and
the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received
from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be
paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or
more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall
be applied first to any prepayment charges and then as described in the Note.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under
the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments.
3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due
under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due
for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a
lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c)
premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance
premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage
Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow
Items." At origination or at any time during the term of the Loan, Lender may require that Community
Association Dues, Fees and Assessments, if any, be escrowed by Borrower, and such dues, fees and
assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to
be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives
Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's
obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be
in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts
MFWY7770 (04/00) 041 219584 -4
6AIWY) (9905)
Page 4 of 15
Initials:
068
Form 3051 3/99
661£ LSOE waoj 9140 9 eBed
(9066) (AM)V9
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690
IMP
(kif`6 .),5;x9
lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or
more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or
reporting service used by Lender in connection with this Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on
the Property insured against loss by fire, hazards included within the term "extended coverage," and any
other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance.
This insurance shall be maintained in the amounts (including deductible levels) and for the periods that
Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of
the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's
right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may
require Borrower to pay, in connection with this Loan, either: (1) a one -time charge for flood zone
determination, certification and tracking services or (2) a one -time charge for flood zone determination and
certification services and subsequent charges each time remappings or similar changes occur which
reasonably might affect such determination or certification. Borrower shall also be responsible for the
payment of any fees imposed by the Federal Emergency Management Agency in connection with the
review of any flood zone determination resulting from an objection by Borrower.
If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance
coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any
particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might
not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk,
hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower
acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of
insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall
become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest
at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from
Lender to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject to Lender's
right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as
mortgagee and /or as an additional loss payee. Lender shall have the right to hold the policies and renewal
certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and
renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender,
for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and
shall name Lender as mortgagee and /or as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender
may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree
in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall
be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and
Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to
hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the
work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken
promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series
of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law
requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any
interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by
Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If
the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance
proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with
MFWY7770 (04/00) 041-219584-4
6A(WY) (9905)
070
Initials:
Page 6 of 15 Form 3051 3/99
66/E 650E waoz
9 4 L GBed
MO
(9066) (AM)V9
1 (00 /170) OLLLAMd1J
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uonuo!iddu treo'i agl Supnp `3! 11nuJap ut aq !lugs 1am011og •uolln3Hddy uno'j s,aamonog •g
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072
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 !baking 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 payrents toward the premiums for Mortgage Insurance. If Lender required Mortgage
Insurance as a condition of making the Loan and Borrower was required to make separately designated
payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to
maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until the Lender's
requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and
Lender providing for such termination or until termination is required by Applicable Law. Nothing in this
Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of
the Property, if the restoration or repair is economically feasible and Lender's security is not lessened.
During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds
until Lender has had an opportunity to inspect such Property to ensure the work has been completed to
Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the
repairs and restoration in a single disbursement or in a series of progress payments as the work is
completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such
Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such
Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would
be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
MFWY7770 (04/00) 041- 219584 -4
(SD®6A(WY) (sso5)
Initials: C u t
rage B of 15 Form 3051 3/99
66/E LSOE uuoj
9LlO6aped
Nom (Am)vg-C:0
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10 tOt1 Aug Suppiaxa ui aapuai ,Cq a°ugnaglo3 Suy •1amolaog 3o Isamu! ut slossaOOns Auu 10 1aM011Og
Igutguo aql Aq apew puuwap ,Cue 3o uoseaa tuatutulsui Atriums sup Aq paznoas sums atp jo notlezplotue
Am= astmlaglo so luaut,fud 1o3 atop pualxa o1 asap.' o1 10 1amo.uog 3o Isamu' ut lossaoons 'rue
lsutau autpaaoold aouaunuoo of paatnbaa aq lou Mitts iapua-I •aamouog jo Isaaalui ut slossaoons Aug .to
1amouog 3o Al!!!qu!! atp asualal of algaado tou !legs .taMOitog 3o Isalalul ut Jossanons Niue 10 aamollog o1
lapual Aq palue12 Iuatutulsul iulnnas sup Aq palnoas sums atp 3o uotlurtuoutu 3o uougnt3tpotu so luatu1iud
a0; atutl alp 3o uotsuatxg •aan!8M t ;oN aapuai ,Cg a°uuasagao,j :pasualag ;oN aa,►toaaog •ZT
•Z uopoas ut .to3 paptnold Japao a p ut patlddo
aq !lulls Auadold atp jo Itudai 10 uotlulolsal o1 middy loll ale trip spaao01d snoauellaoS1 JA !W
lapuaZ o1
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jo spaaooad aq,I, •Iuatunalsul Simms sup lapun s2qOru 10 ivad0ld aql ut 1saia1u! s,lapua130 ;uauutedurt
mtlalgul aaq ;o 10 A11ad01d atp jo alnita31o3 sapnloald luatngpnf s,lapuarl u! imp Sutltu g gltM passltustp
aq of 2utpaa°o1d 10 uotloe atp 2utsnu° Aq `61 noel °as ut paptnold su alulsuta1 `pa.un000 soil uouulalaoou
3t `pug llnu3ap u q°ns atnn ueO 1amo11og •luaulnalsul Allmon sup aapun s1q$t1 10 Atlad0ad aqt ut tsaaalut
s,lapuai jo tuatuuluduz! luualutu aaglo ao Atiadold atp 3o aanita31o3 ut llnsa.t pinoH `tuatugpnr s,Japual
ut lutp un2aq s! `Ieutuzu° 10 two impact/4A `2utpaaoold 10 uot1ne Aue 3! mum ut aq hugs 1amo11og
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anp uatf am stuns alp too 10 JaglaiM Iuaintu1sul Altlnoas stgl iq pamoas
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alp min ssal st anion u! sso! 10 `uotlotulsap `Suplul Iup.1 d lilt alojaq Alalutpatuut! Suadold atp jo amen
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•1aMO.uog of mud aq !lugs aouelgq Auy •anlun ut sso! 10 `uopotulsap iuptut mind alp alojaq Ajalutpatutut
Atiadold atp 3o amen latl1 1U ztu3 agl (q) paptntp anlun u! sso! 10 `u0ll°tulsap Tuplgl 1B!11 d
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•Z U0!1 S ut 103 paptnold 1apmo atp ut patlddu
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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.
16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be
governed by federal law and the law of the jurisdiction in which the Property is located. All rights and
obligations contained in this Security Instrument are subject to any requirements and limitations of
Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it
might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In
the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable
MFWY7770 (04/00) 041- 219584 -4
19905)
Initials:_
Page 10 of 15 Form 3051 3/99
074
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(9066) (AM11/9
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aq 1g2uu 011111 aiogj, •mu i aig11oiiddd pus luamtuisui ,fltlnoas sttp 'mom 0143 aapun suopaiigo 2uppuas
mot a112uotu latlo suuopad pus lu0utn1lsui ,iltlnoas slip pus mom atl lapun anp sluaut,isd O1p0uad
spawn lull „laotnlas u11ol„ alp SE UM0113) ,ilpua aqi ut aust o 11 ut linsai 1424.11 ai11s d •loMonog
of 0onou aoud inogltM =nu 0101411 10 auo pins aq use (luatunllsui ,iltanoas sup 141IM lot pa2ol) mom alp
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941 uopoas aapun uop11lapoos jo ono aql ut "Cidds
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,igalag pamoas suoilugiigo pus luatutulsui ,fltanoaS sup `1am011og ,iq luatualulsuiaa uod[i •lajsusij, spung
o1uo13oaig (p) 10 ,f1llua 10 IClumuatutulsut 'doua11 i11lapaj 11 sq palnsui 0111 slisodap asogM uopnmsul us
uodn uA111p st 1ioago Bons /WE paptnoid 'xootp s,1a194suO ao )ioatio s,1alnssall 'Noago 31usq Vag° pagplao
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pure stuns luatualslsutal tons ,cud lam0u0g 111943 altnbal Astu aapuaa •pausgoun anuiluoo iis94s '3uatutupsui
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JO uo1311ult ual all aoj iijpads 1g8itu M11-1 aigsoiiddy ss po 10410 tons (ID :luatWn13sul ,C41noaS sits
uc paul113u00 am jo lamod Aus of ltrenslnd Suadold am jo 0111S alojaq S,C11p anlj (t) :jo 190111110 am op 1o11d
au113 Aug 111 panui3uoOSip luautnl3sui ,iltmo0S sill jo luatuaOlojua anti 01 314811 all aim! 1111411 10A0110g
`suompuoO ut1111a0 sla0tu 1amo11Og 31 •uocl11aaiaoad aaljd al113sutag o3 1113111 seaaMOaaog •6T
•10MO.I1og 110 pustuap 10 0011011 1atpinj 3not11M 3uatunl3sui 4moas
s4g3 sq p011cuuad soma= Sus alonu! ,tutu Iapuari `pouad sup jo uo41111dxa am 03 aoud stuns 0S0tp
And 03 sum 10M0110g ji •luatunllsui Amon sup ,iq paanOas sums us ,cud 35ntu 10MO1.1Og ti0i4M 11i943im
SI uopoas grim aouspl00011 ut uant8 SI 0011011 alp alsp 0141 11101j s,iup p£ 111143 ssai Sou jo pouad 11 apinoad
Iisps 0013011 ati, •110131110j0O011 JO 0013011 10M0110g OAP hugs lapuari `uoildo sup SOSI010X0 aapua13I
M11I
i111apa3 paptgtgold sI asplaxa tons 3I lapua1 Sq pasplaxa aq 3011 hugs uoildo sup `aanamog •luatutulsui
,i1ilnoas sup ,Cq pampas sums its 3o iin3 ut 1uat11,Cud 03111pautun gimbal Auto opal `3uasuoo ua31uM
1otpd s,lapua'i 3notl4M (pallajsu1113 10 pjos st 10M0110g 111 3sa1a3ul iuptjauaq 11 pus uosaad mum 11 Sou sI
10M01a0g jI 10) palaajs111111 10 pins sI Iivadoad a941 uI lsalalUi SUE 10 S113d01d 0943 JO 3111d A11s 10 us 3I
•1as11101nd 11 01 amp alnlnj 1131110MO11og i(q app jo lajsu1113 0941111 goulm jo maw! all `1110W001311 Mo1OSa
10 1011131100 saps 311atuiiulsul Imp 10J 1011131100 'pap 10j puoq 11 u! pa11ajsu1111 slsala3U! leppa110q mom `03
paliulii lou 3nq `8utpnpui `,Cuadold a941 111 1sa1a3ul istotjauaq 10 111801 Aug smut „,Cuadold aril ui 3S0103ui„
'81 uopoas sup uI pasn sy •aaAOaaog tic lsaaaluj pgamauag ti s0 B3aadoad all 3o aaasue1J •8T
•luaumlIsui ,C3unoas stg3 jo pu11 a30N a941 jo ,Cdoo auo uanIg aq huts 10MO110g •,fdop s •LT
•1ol3os Sus 0)1113
op uotls8Ilgo Aftls 1no941IM uot3aaoslP Nos sant8 „Astu„ prom all pus 'EOM 001A pus 'mid 0943 apnpul
pus maul dugs 111in8uis 0943 uI slalom (z) 'aapua8 autulutaj all jo sp1oM 10 sp1oM 10111011 8uipuodsalaoo
apnpul pus maul fists lapua$ aulnosstu am jo sp1om (1) :luautnl3sui Altmoas slip u! pasn sy
•uoi81no1d &111101 juoo all 3no9431M 3Oajja uan!S
aq use 140i4M al0N am 10 luatun.45111 ,ilunoas sill jo suoistnold 1at30 3oajj11 10u imp 101111100 tons 'm111
G 'F :fA x'30
IJS& 9U;
9
requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is
serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations
to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer(s) and are
not assumed by the Note purchaser unless otherwise provided by the Note purchaser.
Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an
individual litigant or the member of a class) that arises from the other party's actions pursuant to this
Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by
reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such
notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the
other party hereto a reasonable period after the giving of such notice to take corrective action. If
Applicable Law provides a time period which must elapse before certain action can be taken, that time
period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and
opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to
Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective
action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (1) "Hazardous Substances" are those
substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the
following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides
and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials;
(2) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that
relate to health, safety or environmental protection; (3) "Environmental Cleanup" includes any response
action, remedial action, or removal action, as defined in Environmental Law and (4) an "Environmental
Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental
Cleanup.
Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous
Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do,
nor allow anyone else to do, anything affecting the Property (1) that is in violation of any Environmental
Law, (2) which creates an Environmental Condition or (3) which, due to the presence, use, or release of a
Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding
two sentences shall not apply to the presence, use, or storage on the Property of small quantities of
Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to
maintenance of the Property (including, but not limited to, hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of (1) any investigation, claim, demand, lawsuit
or other action by any governmental or regulatory agency or private party involving the Property and any
Hazardous Substance or Environmental Law of which Borrower has actual knowledge; (2) any
Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of
release of any Hazardous Substance, and (3) any condition caused by the presence, use or release of a
Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified
by any governmental or regulatory authority, or any private party, that any removal or other remediation
of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary
remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on
Lender for an Environmental Cleanup.
MFWY7770 (04/00) 041- 219584 -4
6A(WY) (9905)
Page 12 of 15 Form 3051 3/99
Initials:
076
661£ L90£ W20j
9 L )o E l aBed
(9066) (AM)V9-
4 (00/40) OLLLAM3NI
�utuzo,C� jo smut uotlduzaxa
puaisaumq aqi jo amain rCq puu iapun supp U sanium puu sasuatai .tamoz.zog saaATBM '4Z
•MwI alquotiddy aapun pauiuuad si aaj aql jo ulgn qo
aq1 puu paaapuaa saoinaas aoj Auud patgl u of ptud s! aaj agi 3i Apo lnq `ivaum.ilsut iiJnoaS utsuataa
aoj aaj a aamouog amp Auuz Japual uoziupaooaa ,iuu Aud hugs .iaMouog •luauitu sul Aitznoas
sp.p amps Hugs aapual luauznaisul Alunoas sup iq pains sums ttu jo luauzAud uodn •asuaiau •£Z
•;i o; patlipua 'faaI suosaad ao uosaad aq;
o; ssaaxa Sue (a) puu ;uauzna ;sui ,f ;tanaas slip £q !mamas sums He o; (q) :saw ,siauao ;e algeuoseaa
'o; pal?mil ;ou ;nq '2uIpnput 'ales aq; jo sasuadxa Ilu o; (u) :aapao auptollo3 aq; ui paildde
aq Hugs ales aq; jo spaaaoad aq j, •alts fun Its ,f;aadoad aq; asetaand Sum aauSIsap sli ao aapuaj 'mug
algeallddd ,fq pagiaasaad Jauutuz aq; m Nos aq Hegs ,f ;aadoad a4; put 'ales jo aat ;ou aq; gsggnd
Itegs aapual •sj not ;aas ui papinoad aauuuuz aq; ui aaMOaaog o; ales aq; jo aai;ou ani2 Hugs aapuaI
*non alg8ailddV g;ii aauBpaoaae ui ;uaaajjip 3I ',f ;aadoad a4; jo uoissassod ui uosaad aq; o; pun
aaMOaaog o; asopaaoj o; ;ua ;ui jo aai ;ou anig Hugs aapua7 'alts jo as nod aq; samonui aapua-i 3I
•aauapzna app jo s ;soa puu saaj ,sAauao; ;e alquuoseaa
'o; pa ;twig lot! ;nq &zzpnpui `ZZ uoi ;aas siq; ui pappioad saipazuaa aq; gumsand ui paaanaui sasuadxa
Ill ;aalloa o; pal ;ipua aq lltgs aapuai •Mtri alqualiddy pa ;iuzaad saipauzaa aa4 ;o £un put alts
jo aaMod aq; a)lonui Sum put puuzuap Iowan; ;noq ;iM ;uatuna ;sui ,f ;ianaas s►q; pumas sums II
3 IInj uz ;uau1 8d a ;eipauuui aainbaa ,fete uoi ;do SR ;8 aapuag 'aai ;ou aq; ui pazjpads amp aq; aaojaq
ao uo paana ;ou si ulnujap aq; 3I •ales puu not ;8aapaa8 0; autoaaog jo asuajap aag ;o ,fue ao ;ln83ap t
jo aaua ;sixa -uou aq; passe o; uoi ;ae lima t guiaq o; ;qua alp ;mu uoi ;eaalaaae as ;it a;t;suiaa o; ;Op
a4; jo aaMOaaog !mom aa4;.znj Hugs aaz;ou 34J •,f;aadoad a4; jo alts put ;uauma;sui ,f ;zanaas si4;
dq paanaas sums 34; jo uoi;uaapaae ut ;lnsaa Sum aai ;ou aq; ui pazjpads a ;up aq; aaopaq ao uo ;lnumap
ag; aaua o; aanpuj lug; (p) pun :palm aq ;sntu ;lnujap alp gapot £q 'aamoaaog o; uaAI3 si aat ;ou aq;
am am uuoam s,fup 0£ 118 ssal ;ou 'a ;ep a (a) :;lnujap a4; amp o; paainbaa uoi ;ae aq; (q) f;ln8Jap agl
(u) :Spaads Ile4s aai;ou aq •(asiMaaq ;o sapinoad Mel algea4ddv ssapun gj uoi ;aas aapun uoi ;uaalaaau
o; aozad ;ou ;nq) ;uatuna ;tux £;ianaas sz4; 11i ;uazuaaage ao ;u811aA0a Sun jo 4a8aaq maMOaaog
Su!M uoi;8aa1aaa8 0; aozad aaMOaaog o; aal;o11 anti Hugs aapuari •saipamau :uoi;eaalaaad •ZZ
:sMOHoj 58 =du pub 1u8uanoa aa4unj zapua-t pub aamoaaog •S1NVN3AO0 1AI2IO,dINfi -MOAT
Witnesses:
MFWY7770 (04/00) 041- 219584 -4
eis-6A(WY) (9905)
Page 14 of 15
078
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this
Security Instrument and in any rider(s) executed by Borrower and recorded with it.
S EVEN SHAEN CARTER, TRUST Borrower
STEVEN SHAEN CARTER Borrower
(Seal) (Seal)
Borrower Borrower
(Seal) (Seal)
Borrower Borrower
(Seal) (Seal)
Borrower Borrower
Form 3051 3/99
661£ 690£ w+Jod
9426 Va 3 ()Km
1NOWIRS S£
1ONOWC8
ANIVION O9V
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*N ?,c;id Azloy
0960341 uoss?wwo0
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6L0
9 L )O 9 L e6ed 19066) (AM)Y9
b b8SGIZ TtO (00 /170) OLLLAM4Y'.i
mend ANVMON
P.,'W 721 0 AVO of SIHI
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3i10138 Oi NdOMS ONY 601110SOIMI
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ATINEIGIAIQNI `2MMO N3VHS N3AaIS aNV S66T ZZ HD IVW mama Isms.
S'ISVDon a 1 2IE L IVo NHAS LS H.I. a ,3o SS,LSfm 2IS L 1V3 NSKHS NSASIs
3q
0002 '6Z 19go330 smi aui aiojaq pa sung Tuauintlsut 2utO ?a OJ ata
2 9NB F AA 30 LLN,LS
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3
EXHIBIT A
Legal Description
A portion of the S1/2 of Section 4, T33N R118W of the 6th P.M., Lincoln County, Wyoming
being more particularly described as follows:
BEGINNING at an Iron Pipe set at a point in an existing North -South fence, said point being
458.40 feet N 1°18'14" E, (not along said fence or Sectional Division Line) from the B.L.M.
type Monument found marking the Charles V. King 1989 location for the S 1 /4 corner of said
Section 4;
thence Northerly along the outer perimeter of an existing Buck and rail fence to Iron Pipes set
at the following:
S 89 °24'21" W, 101.24 feet; N 23 °15'30" W, 264.82 feet;
N 14°30'15" W, 146.58 feet; N 51 °27'27" W, 62.12 feet;
S 66 °39'19" W, 40.37 feet; N 76 °51'22" W, 40.15 feet;
N 47 °47'03" W, 19.13 feet; N 30 °41'02" W, 23.37 feet;
N 13 °49'01" E, 74.69 feet; N 30 °20'36" E, 28.34 feet;
N 39°15'51" E, 44.28 feet; N 48°46'32" E, 73.16 feet;
N 33 °40'31" E, 39.28 feet; N 23 °02'36" E, 88.17 feet;
N 17 °20'43" E, 34.53 feet; N 3 °29'30" E, 87.97 feet;
N 7 °19'57" W, 105.20 feet; N 14 °15'44" W, 60.88 feet;
N 6 °10'12" W, 74.14 feet; N 2 °54'54" W, 60.69 feet;
N 2 °49'52" W, 56.04 feet; N 7°00'15" W, 93.81 feet;
N 20°32'51" E, 31.58 feet; N 44°10'12" E, 43.14 feet;
N 52°17'40" E, 57.70 feet; N 58°10'17" E, 115.28 feet;
and N 75 °00'19" E, 151.70 feet to a P.K. nail set at a point in the Center Line of the
Thayne Turnerville County Road 12 -123 right -of -way, being a point in a 572.958
foot Radius Curve to the Left;
thence Southwesterly, along said Curve to the Left, through a central angle of 3 °03'22" (chord
bears S 25 °56'42" E, 30.56 feet) an arc distance of 30.56 feet to a P.K. nail set;
thence S 75°00'19" W, 83.32 feet to an Iron Pipe set at a point in said North -South fence;
thence S 0°10'04" W, along said fence, 1456.60 feet, to the POINT OF BEGINNING.
(£6/£0) o i'i wio3 uonelodloD Smpund tenuappag 6-4856IZ-DO
1aP!I 1sn1y sonIA 1awui sa8od z,(o l a8nd (00 /0 61L8UJdw
salpawal 10 slamod 's1y$l1 Aue ;o uoseal Aq anti 1I W aalstut alp gotym s3g3p Aue Sulpnj°u! lapua'I Aq play 111q 10 Mou lanaosleym AU1ias
1elatejloo Aug u! ajed!opted of 11.12p Aug 10 ;o upuaq AuE san!em pug 'uoslad Jaw° Sue 10 `1aM011og 1suIESe aney lagealay dew 10 set! Mou
lapuaZ yolgm Apawal Aug aolo ;ua o11gSu Aug san1gM 1ag11n; aalsnll atp pus `uoug$olgns ;o 1tj !1 ou aim pegs aalstut ay) '►P9 w mud uaaq aneq
!les Agalaq pampas suopallgo [ig tuun •uoalatp tswalul ;o sales alp Jo aseatoap 10 assalout Su!pnj°u! `;oalay3 tied Sus so suopapgo yons
;o mat u! a$uey° 1atpo 10 `UO!NJa1a°°e 'uo!suaPxa `lemaual atp 'uolleuwll 1notpm 'Su!pnjou! pug `uopsoonal lions of loud pa.unow suoue2rigo
!Tons due o3;oalaq uoneoonal lags apew uotwot3!pow Aug Sutpnjou! 'lanaoslegM w1o; due u! *away pamoas suopeStigo atp Jo uot3EOg►pow
Aug (a) 10 :aslmlaglo 10 mss ;o uopelado Aq Agway palnoas uotwatigo due 1010MO11011 ;o a ntiosip atp sple 10 u! synsal S1oaltpu! 10 Siloam
golwM lapua-I Sq uotssuwo 10 log Aug (p) !Jamming .10 lapuaZ Aq poolslapun 10 papualu! 10 lapuaZ o1 1amo11og Aq paluasaldal sasodmd atp uey3
laylo sasodtnd 10; Agalaq palnoas uoueSigo due ;o spaaaold aq1 ;o 1amo.uog Aq.uoneo!jdde atp (o) :Agataq pampas uoslad 101110 due 101amo11og
;o suoueSligo atp Jo 'sin; u! tuaw(ed uey1 1ay10 'la /woslemM ring° due 101; uotlessao alp (q) :uoslad 1agwo Aug 101amolwog ;o asua ;ap 1agwo 10
AUitges!p due (s) :Jo uoseal Aq Su!sue asua;ap due sanjem aalsnu aqj •suops2ggo 1suonlppe 10 matt Jo uopgalo ayl qum uo1loauuoo u! 10 Agalaq
pains suottatlgo atp Ind u! 10 alogm 01 auupsuoo q°tym ssaupalgapu! ;o saouapina 10 suopatigo Aug qum uonoauuoo u! `dl!1noas se lapuaZ
Aq play ssaupalgapu! ;o saouapina 10 suoueS!igo Aug gum uonoauuo° u! louogs!p ;o saonou 10 s3salold ;o saopou 'stsatold `aauewlo ;lad -uou ;o
saonou due ants 10 'aoUewlo ;lad 10; spuswap 'luawluasald Aug pleat (a) 10 :1aMOd s,lapuaZ ut dpawal largo Aug anslnd (p) :uona[ps!1nf atgeoydde
atp u! loa ;a u! pus paldope se apo0 p!mattnuop w1o;!un atp 3o tog-6 uonoaS ;o suo!s!nold 1at 10 Sus glum dldwoo Jo Jamming Aq pa2pald duadold
!monad Jo tu1o; 0113 ut !mown Jo ales atunud 10 o!!gnd Aug Jo amid pug awn `stlat ;o a°nou an!S :uoslad 1atpo Aug 101amo11og Aq paWpald
Iglatiiloo Aue lsnegxa 10 Istl!ESE paaoold (q) :1amo.uog Su!pnlau! `uoslad Aug lsutES1 paaoold (s) 01 lapuaZ aunbal of 3g2!1 Aue santum awsnn ayy
'SZISAIVM 'S
•1amonog gUm du suonslat s,lapua7 3o aslnoo 0111 u! pa1!nboe 1epaPEW 10 uoneuno ;u! aalsnu
alit o3 asolos!p o3 uoueS!igo ou aney pegs lapuaZ 3ey1 saa1Se 1agUn; a03stt11 0111 pug 'lapunawaq sXsp s,aa3stul ay3 tows 1yS!w AgM Atm tq go!ym
saaue1swno113 10 mono 'nos; Aug Jo sueaw tons wow; pauuo ;u! Siawnbape dams of saa1S1 awsnU aq,y •uoptpuoo !spumy s,lamollog of 2u!u!e11ad
uoewlo ;u! 1ay10 pue je!auguy s!seq Su!nwluoa a uo Jamming wag Su!utplo ;o sueaw a3snbape pagstlge3sa set! aa3snu 0113 (o) pug :A11adoid
ay1 ;o uopiod Aug 10 Hs Jo asodsip astmlowo 10 1a;sugn 'argoatgodAq 'iagwnoua 'U !sse 'anal 'pas 'lapuaZ ;o luasuoo uaupm 1o!ld lnoyt!M '1ou
HIM pus Sou seq aalsnn atp (q) :3sanbal S,1oMO11og le pa3noaxa st luatnnsul Alunoas sp (E) :1gg13stu alp Jo;isyaq uo s3Ue11eM aa1s1111 ayl,
'SSLLNV?RIVM 'b
•1aMO11og uo
puewap 10 0l aopou 1ayUnl lnogl!M luawnnsul Atpias ayl Sq paU!wwad salpawal Hs pug Aug alonu! Amu lapuaZ 'mu Jo pouad yons utgUM Arid 01
sjte; 10M0110g ;1 pug yuawtulsul *moos aql to LT gdgu5E1Bd ut papisold se 1uatuAed 10; aopou ;o pouad awn 01m ap!nold !lugs lapuaZ 'luawtu2sul
Slunoas atp Aq !mums swns wig Jo lin; ut luawded spuewap lapuaZ ;l ivawnnsul Slun°as alp Aq palnoas stns «g Jo TIN u! luau1(d ale!pawwl
a1lnbal `uopdo sl! le 'Amu lapuaZ 'AUadowd 0111 ;o Aousdn000 atp u! amp a s! wow (0) 10 `lstuy atp u! 3satatut le!ogauaq Aug Jo uoplsodslp
largo 10 3uatUUSlsse `1a;susn `ales a s! a1otp (q) 10 '111u1 atp ;o aalsnn ayl u! a8uega a s! a1ag1 (s) 'luasuoo uauum loud s,wapua13noyUM '1I
'S.LVua'ISOOV OZ NOLLdO SivaaNNS'I
•AUadold alp to Aouedn°oo ay3 u! a8usga Aus (o) 10 '35111,1, MD 11! lsalalu! ls!ogauaq Aug Jo (as!M1a1p010 ms! Jo uonslado Aq waylagM)
uoUtsods!p 1ay10 .10 luauw21sse '1a;sugn 'ales Aug (q) `(2uauewlad 10 Awslodwal s! aSusgo qons laglagm) 3sniZ aql ;o aalsttll atp u! agusyo Sus (e) ;o
tapua1 01 aopou uaUUM ap!n01d jjegs pauStstapun atp Jo y °¢a 's2uana Sulmojjo; atp Jo Aus ;o aoua.un000 011303 io!1d sAsp (0£) Alum uituuM
'sa NIVHO CINV Slia3SNVILL 3O NOI.LVOIII.LON 'Z
•35nn son[n lam ue st lstuy atp (n) pus :1sn11, atp ;o;jsyaq uo aalstul atp Aq play si AUadold atp 01 apu :lug11apua1 01 sag!Uaa
Agway (1aMo11og pug 3stuy atp Jo A1s!onauaq yoga 'aalstul alp ass° yoga ut apnjout pegs u1alay pasn se twat gwgM) pau8tslapun alp Jo yoga
,LS(DLL SILL '1
[ssaippy Alladowd]
Z1T£8 AM 'auoaaSH 'a\(o 1 S'I'IIn2iSN2lnI 02iO3QSH ZfiTZ
:35 mum „AUadold„ 0gl) luawru3sul 4.111325
alp u! pagposap AUadold atp 2U110A03 pug (atom teal lapun s3g41 s,lapuaZ ;o aauS!sse Sue 03 am qua u! 1a ;0103 pawaap aq 'Tugs
'u!alaq pasn se `twat tom% „lapuaZ
5661 ZZ H0dVIAI
QS,Lva ISn2L,L HIHKOOnau 2I J.UVa NSYHS NSASSS SHI 30 SS,LSnL,L 'U L IY0 NavHS NSASSS
Aq omit 03543 uana ;o atom a alias o3 „lstuj,„ atp) tutu LSfl L S'IENDOAS2i NSKHS NanS,Ls
ay2lo (isniZ a1R 10 =tutu lossa°ons Aug o11a ;a1 0l pawaap aq 11eys Tang pasn se twat gopTm „aa3sn11„ alp) aalstu j, se
0NI )RIOM,LSN 'IVIONVNI3 SONIWODaNOH JO 104310 0113 0 a!gsMsd pus „1amo11og
21SI ND NSYHS NSASSS
�3Savo NHVHS NHAa.LS Aq uan43 luawnnsul
Alunoas„ atp) amp uana ;o paaQ alias 101s1111, ;o paa0 `a8s2tio H 0113 luawa1ddns pug puats o3 pawaap aq Hugs pus ow!
palstodloout s! pug '000Z 2tSH0,La0 l0 /CEP H,L L Z s!'P apew s! gaunt .LSf LL SOAIA 88 LNII SIH.L
?IKQRI SOAIA
of Borrower in connection with any anti deficiency or similar laws limiting or qualifying Borrower's obligation.
6. TRUSTEE'S UNDERSTANDINGS WITH RESPECT TO WAIVERS.
The trustee warrants and agrees that each of the waivers set forth above are made with the trustee's full knowledge of their significance
and consequences, and that under the circumstances, the waivers are reasonable and not contrary to public policy or law. If any of said waivers
are determined to be contrary to any applicable law or public policy, such waivers shall be effective only to the extent permitted by law.
7. SUBORDINATION.
Any indebtedness of Borrower now or hereafter held by the trustee is hereby subordinated to the obligations of Borrower secured hereby to
Lender. Such indebtedness of Borrower to the trustee is assigned to Lender as security for this Security Instrument and the obligations secured
hereby and if Lender requests, shall be collected and received by the trustee as trustee for Lender and paid over to Lender on account of the
obligations of Borrower to Lender but without reducing or affecting in any manner the liability of the trustee under the other provisions of this
Security Instrument. Any Notes now or hereafter evidencing such indebtedness of Borrower to the trustee shall be marked with a legend that
the same are subject to this Security Instrument and, if Lender so requests, shall be delivered to Lender. The trustee will, and Lender is hereby
authorized, in the name of the trustee from time to time to execute and file financing statements and continuation statements and execute such
other documents and take such other action as Lender deems necessary or appropriate to perfect, preserve and enforce its rights hereunder.
BY IGNING BELOW, Borro r ac epts and agrees to the terms and covenants contained in this Inter Vivos Trust Rider.
Trustee of the
Borrower STEVEN SHAEN CARTER
Borrower
Borrower
041 219584-4
N SHA TER
Trustee of the STEVEN SHAEN CARTER REVOCABLE TRUST Trustee of the
BY SIGNING BELOW, Borrower and each beneficiary of the Trust each acknowledges the terms and covenants contained in this Inter Vivos Trust
Rider and agrees to be bound thereby and makes the certifications set forth herein.
tiLS
Beneficiary of Trust STEVEN SHAUN CARTER
Beneficiary of Trust
Beneficiary of Trust
ciary of Trust
Borrower
Borrower
Borrower
MFCD8719 (2/00) Page 2 of 2 Pages Inter Vivos Trust Rider
Residential Funding Corporation Form 1450 (03/93)
Trustee of the
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