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Home My WebLink About86951811 11 1 11 1 T”ET7OL6T7T 9t7EflOLGt7 1 1 11 11 661£ LSOE WJod IN3Wf1H1SNI INHOdINfI 3IN1Hd /VINNd 0 1 13 u!S DNINIOAM 0 0 0 2 Z iac[utanoN A S.zar MON ,30 H,LFLLS EH,L Jo smgl aq3 mpun 8upsixa pug paztuato NOI,L` Od2i00 g st .ta pu9' IOVVd 2Id NOOEI 9N1110,�M 1 llfl N 31 NNIV7IP 4: I L- ['ION 00 1'1:1 LNfOO N1OONI C131113 °38 NOI LV Od2iOD ROI/DIXON MF/Z,LF/HNF/W HSVHO st „aapua -I„ (0) •tuaumalsul iCiunoas sup iapun .mgeguout alp si .zamoz.tog •9i uotloas uI papinoad osig au? waumoop sup uI pasn spaom Jo oResn 2uip at soma uigata0 'IZ Pug OZ 81 'ET Ii suopoas uI paut!Jap a1E sp1om mtpo pug molaq pauipp aJE luaumoop sup Io suo1loas aidpinut ut pasn smom L6 L Z2(008) SWHOi 39V'J1HOW dWn ell NI 91 to L eBed (1,066) (AM)9 (3) HL3IM GNVHSfH 'ZSIgna z s l gna a s awvr sI „aaAtoaaog„ (g) •1uaumoop sup 03 s.taptg II g2lm zaq;agot pomp sI 110R/in `motunoop Sq1 sugaut „;uauxna ;suj ,f ;unaas„ (V) TD 2I®YAI [e ;Ea Buipaoaag ao3 aurj slq,L, anogv ands] 9IS699 SNOILINId U :gig pa.tgdatd ONISO' J SOd NOLLNHILV TOZTL Y'T 'H02INOW 'BLS HZ6T N 00ST NOIZKHOd2[OO HOF/JD:IOW NF/LL VHNVW HSVHO os u.m1a2I 7Z0 TOT0 Lender's address is 7550 West Yale Avenue, Suite B200, Denver, CO 80227 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated November 2 2 0 0 0 The Note states that Borrower owes Lender Eighty Five Thousand, Two Hundred Fifty and 00 /100 Dollars (U.S. 8 5 2 5 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, 2 015 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be executed by Borrower [check box as applicable]: ®6(WY) (9904) Adjustable Rate Rider Balloon Rider VA Rider Condominium Rider Planned Unit Development Rider Biweekly Payment Rider (II) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (I) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" mean those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for (i) damage to, or destruction of, the Property, (ii) condemnation or other taking of all or any part of the Property, (iii) conveyance in lieu of condemnation or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (1) principal and interest under the Note, plus (2) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. Page 2 of 15 Second Home Rider 1 -4 Family Rider Other(s) [specify] 348 Form 3051 3/99 66/E 1.90E Wand sigl 10 °JON agl aapun luauz,iud SE zapua -1 iiq panlaoaa luauzrulsu] .zaglo JO 'pogo Aug j! `zanamoH •Apuauno •S•n uI apgm aq ]lugs luamnlpsul iilunoas s[ql pug aloN all zapun anp sluaUJigd uolloas of lugnsind small mozosH zo; spun; iigd ow pugs JO/110110a OWWN 0q2 aapun anp sa3.cugo plug pug sa3iggo luauzAgda1d Aug pug aloN paouapina plop all `uo lsaJapm pug ;o Igdiouud all anp uagm ,cud pugs zamo.uog •sa3aug0 a ;u7 puu 'saaaeg0 ;uatuSudaad 'small moapsd ;saaa;uI 'Iedlaulud Jo ;uatuSed •I :smollo; SE aa18E pug lueuanoo 1apuol pug aamozaog •SINVNHAOO YARIOdINIl AiJodoad Iuaz 3uuanoo luamrulsul Xpunoas mao;lun g alnlilsuoo 01 uoppipst.mf Act suolpgugn palimll glim siuuaanoo mao;Iun -uou pug asn ]guotlgu zo; sluguanoo mzoJiun sauigmop SIHZ paopar ;o saougigmnoua Aug of loafgns `spugmap pug sunup ]]g lsulu3u iil1adozd all 02 app all IClluiaua3 pup ;ap I]Em pug snrenum IamoIlog •pzooaa ;o saougzgmnoua .lo; idaoxa `palagmnouaun si Xuadozd aql lu pug /Cpaadozd all ,Canuoo pug lugi8 `a801iom o1 1g8I1 am sgq pug pa,ianuoo Aga.iag alms° ag1jo pastas iilnjmui sl .ramoiiog M11 S,LNVNHAOO IIHMO?fIOH Alzadozd„ ag1 sE luamn.rlsul ,ilunoas slgl u] 01 pa.r.ra;aa sI 3ulo3aro; ag1 ;o IIV •luamn.zlsul /ilunoas stgp Aq paianoo oq oslg pugs suolpippg pug sluamaogldaa IIV •Alzadoad agp jo llEd E aal;ua.lag .zo mou sainlxp pug `saouuualanddu `sluamasga IIg pug `,Cpaadoid agl uo moon aal;ga.zag do MOU sluam2A01dWl all HE [apo3 d(z] 8 Z T E 8 3ulmoAL [MD] [lams] ;o ssazppu all sgq ,illuaiano golgm ONII1IO7M 2 LNLIOD N ?I2i$ r ID AZNllOO N 3H,L 30 30I33O EEL NI Q3OHODH2i QNV Q,'Q,Izvaa SK 'V NOISIAIQHL1S S3,IVIS;3 SMOQV3INI S2IHAIE azdH,L LT ,LOrI [uouoipsuni 2u!p.loaag ;o amlH] [uouaipsunp 8utpiooa )J ;o ad,SZ] NrIOONI Jo 2,LNfOD all III palgool Al.zadozd paquosap SuimolloJ alp `ales ;o .iamod gllm `suSissg pug saossaoons s,lapua-I puE zapua1 op iCanuop pug 1uga8 `a3g4iom Agamq saw zamoxaog `asodand sup log •aloN a par luamniisul 'C1j.inaas sup .lapun spuamaaige puu sluzuanoa s,.ramoaaog ;o aougmao ;iad alp (q) pug `apoN aqp jo suoipuoijlpom pug suolsualxa `slumauaa IIu pug `ugo-1 all ;0 1uam,iEdaz alp (g) :aapual 01 somas luamrulsul iClunoas sigZ •luamnnsul ,Climoas sill Io /pug aloN alp .zapun suoug8ljgo s,iamorl0H pamnssg sgq 1C11gd 1u1 1ou ro zaglalm `IC11 dozd alp 01 app ua'gl sug Imp AlJud Aug sugam „aa,noaaog JO ;saaa;uj u[ aossaoons„ (d) 6I/ 0 111 5l 10 g abed 11,066) (AMI9 3NIdrIV HAI2IQ SMOQFIEN tZt 00900t0E8Z8TLE HIIM 2IHH,I290I „ssaippy iClaado1d •.IoqumN QI taolud 00900t0£8Z8TLE 'ON XVI A.L'IHd02Id HH,L NI SlHOI2I dO 2IHdSNV2LL 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 (9904) Page 4 of 15 Form 3051 3/99 66/E L50E W Od C emul 9 L 1O g 96ed (t066) (AM)9 ail gui jnuap! aopoU E .1amo .1 .1og and hut .1apuarl `luaurtulsul JlunoaS slit .tano Sluoud Mune uEO golgm 'mu u of laafgns s? filmdoad aqi jo land &ae imp sauim .1alap aapuaTI 3I •luaumilsul ,clunoas sup of uail all gupeuip .1ogn5 aapua-I 0l (.ioionjsuus 1u011100a3E tin WTI ail JO aapioq ail tuoa3 sa .1noas (o) JO `papnlouoo a .1g sgu?paaooad gons I ?tun /quo lnq `guipuad a .1e sgulpaaooad asogl apgm uaq ail jo luamaatojua agf luanaad o1 ale .1ado uoiuldo s u! golim sgutpaaooad Taal `u! uaq ail jo luauiaoaojua isu!ugu spuajap .10 'AL glleJ poog u! uai ail sisatuoo (q) :luauiaaa2u gons gu?tuaojaad s? aamoaiog se gut)! os ,Ciuo inq .1apuarl 01 aigeldaoau Jammu u m u? uall a Act pa.1noas uopt'wllgo aqi jo luam,Ced ail of guppm ut saa .1 &g (e) .1amoaaog ssalun luauuulsul Xf sup Ian° Aluoud suq go?gm mil Niue ag .1mgos11p ,Clldmoad Hugs aamouog uo?130S u? papinoad .1attuum aqi u! matt pied Begs .1amo .1 .1og `suzail mo .1osg are stoat! asap leis lualxa agl o l Cue j! `sluatussassy pug 'saad `sang uougloossy Ailuntutuoj pun 'Cu E j! `ail .1ado .1d agj uo swat puno .1$ JO sluamAgd plogaseal luatunilsul XtunoaS slit JOAO ,iiuoud ui_eile ueo goigm ,Ctaadoad ail of alquinqung suopisodmt pun `said; `sag.1mgo `sfuatussasse `saxml ITn hd hugs .1OMOI .143g •sual-I :sagaetp •l, .1apua-1 iCq Nag spund iiue .1am0.1 .10H of putuai Alfdtuoad tt is iapua-I `tuatunatsul Atunoas sup Aq pa .1noas stuns Hu jo Iin3 u! fuatuhd uodn •stuatu d 1iigtuotu onto/hi uggl a .1Om ou u! lnq `ydS3)l glum 0011mp1033E u! Xouaioijap alp dn avm of ,(iessaoau lunomu ail lapuarl 01 hd Begs aamonog pun `ydsgg Aq pa .1mba.1 se .1amo .1 .1og Ajuou Hugs .1apuaJ `ydSd2i .1apun paupap sm `moaosa ui pia l spund Jo 1iouatot ap m s? aaatll 31 •sluatuhd iCigfuotu anlamt unit a.1o111 ou u! 1nq `ydSd2I ilim aouupa000u u! ag? 1Ogs alt dn 03Iem 01 ,C.1ESSao0u tunotun ail .1apual 01 X d hugs aamo .1 .1og pun `ydSa i ,iq paalnbaa sm aamo.1.10g AJT1OU Begs aapua'l `VdSg)l aapun pauuap sn `moaosa ul plaq spund jo aBnlaogs g s! 0101 .11 3I °ydSd2I illm 0311Ep .1000m u! spuitl ssaoxa ag1 .10J aamoaaog of fun000u hugs 1apuarl `ydSg)l aapun pautJap su 'mama u? plaq spund jo snidans e s! aim J.I 'VdSd2l pa .1mbat sg spund atll jo gupun000m Iunuun ug `ag .1Ego inogtmm `.1amo .1 .1og of and Bugs .1apua -I spund ail uo mud aq Hugs lsaaafu! imp `aanamoq `gupum u? 00.15e ueo aapuarl pun aamo .1 .1og 'spund ag1 uo sRulu.1ua .10 1st .1alut ,Cue aamolog hd o1 pa.nnbaa aq 1ou puts aapua -1 `spund ail uo pled aq o1 Isamalu! saatnbaa mui alquogiddy JO gullum u? apem s! mallow& ue ssalun *amp a gons alum 01.1apuai sllm .1ad mu-I algmogddy pug spund ail uo Isamu! aamo .1 .1og s1tgd .1apuarl ssalun `small mo.1osg atll gutJl .1an 10 `lun000u m0aosa aq1 5'uizSTue AIlunuuu `spund aqi gut,Clddu pun gulploq .1oj .1amo .1aog amp iou hugs aapua-1 °ydSa I aapun pa ?Toads amll ail uutlf .1aful ou small mama agt spund aqi ,CIddE TWITS aapuari )plug uU0'1 amog wiapad Ann UT .10 (paansut os a .1g sllsodap asogm uopnipsu! ug si aapua' j! `aapual &ulpnlou!) Xi111u0 .10 `Atllutuamtulsu! `Aouage luaapaj n Aq paansut a .1e sllsodap asogm uolinlpsu! im u? Nag aq hugs spund aqy 'mui alquotlddy gllm 0OUE1.1030e u? aslm .1ag10 .10 small mo .1osg a.1nfit Jo sa .1ntipuadxa Jo salumllsa algnuosua.i pun ulgp lumina jo sisuq ail uo anp spund jo lunomu ail alutupsa Iiggs aapuo' l •ydsgg .1apun a .1tnba.1 ugo aapual a lunomu mnmtxgm aqi paaaxa of loo (z) pug ydSg .I aapun pa!J ?Dads atop atll 1u spund ail ,Ciddu 01 .1apual ulm .1ad o1 lualoJJns (T) lunomu ue u! spund Nog pug loalloo `amp Aun tE `Cum aapual uotloas slit aapun paambat nail aaE Imp `sfunomu tans u! pun `spund IIg .1apua-1 0l Cud hugs .1amo .1 .1og `uofuoonaa gons uodn `pug ST uopaas qp!m aouupa000u u! uanP aolfou E Act amp AUE 1u sma1l Mo .1osg llu .10 iCUE 01 SE .1an1IM ail 0310n0.1 htu .1apuarl •1un0un? gons Aug .1apuarl 131 Audaa 03 6 uopoaS .1apun palugigo aq nail tints .1amo.1 .1og pun lunomg gons ,Cud pun 6 uopoaS .1apun slggia 81! as!ataxa but aapual `mall mo.1osg ug .1oJ anp lunotuu aqi /Cud 01 sped .1amo .1 .1og pue .1anlnm g of lugnsand `CIloanp slut!! mo .1osg ,iud 01 paled ?Iqo s! .1amoaaog JI •6 uo?loas u! pasn s! „fuamaa .1de pun lueuanoo„ asuigd alt se `luamn.1isul iClunoaS sigi u! paulnluoo luamaadu pun lunuanoo g aq 01 pamaap aq sasod.1nd Hu .1oj Timis sldia3a.1 apino.1d of pun stuamhd gons °Alm u 431 uollggllgo s, .1amoa .1og •aamba.1 Aum .1apua-I sm pouad amp ions uigllm puaui d tints gutouapina stdtaoaa .1apual 431 gsluanJ IIEgs `saamba.1.1apual j! `pun .1apuri Xq panlmm uaaq seq spund 30 luam1Cgd golgm .1433 small moaosa ritie .10j anp 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 ®6(WY) (9904) Initia sy Page 6 of 15 Form 3051 3/99 66/E L80E Wl04 s�ei3l�l 5l io aged R'066) (AM)9- %JO ajgeuoseaa 2upied pue `unoo up 5uueadde (Z) `1Uaumutsul Sl stir .iano Rt sett gotgm uaq paanoos sums kuu 2uiked (j) `01 paliuzij tou are tug `apnlout ueo suopou s,aapua-I •Ifuadoad ag1 5uuieda.t Jo /pue gupanoas pue `filmdoad alp jo amen 0111 2upssasse .to /pue 2uuoaload guipnjoui `tuatutulsuj 'il stgt aapun pue Xuadoad aq1 ui lsaaalup s loatoad o1 aleudoadde ao ajgeuoseaz sp aanalegm aoj iced pue op hut aapuarj ua p `Ataadoad ail pauopuege sett aaMOaaog JO `(suopejn5aa JO sMel aOaoJua 01 .to tuaumatsuj 'i1unOas spit JOAO 1itpa0pad upelle hut goigm mil u 30 luatuaOa03ua aoj `aanlpajaol ao uoueutuapuoo aoj `ategoad `Aoldruqueq ui 2Ulpaaooad a se qons) luaum.Ilsuj ,ili.tnoas spit aapun stq$u ao /pue Amdahl ail Up lsaaalu! s,aapua-j 1Oajje Ajlueopltugps 1g2jut legs 5uppaaooad ju5ai asp aaag1 (z) `1uauJnatsul ICtunOas spit up paupetuo3 sluatuaaa2e pue stUeuanoo ail utaojaad o1 sip; aamoaaog (I) dl •juaumajsul Swims sjgj aapun sj pun Maadoad ay; ut ;saaajuI mapuarl 3o not ;aaload •6 •aouappsaa p diouud S 1OMOZlog se 410d01d ail jo kouedn000 s,.IaMonog 2utuaaouoo suopeluasaadaa `01 potputpj mu are tug `apnjoup suopetuasaadaa jetaateJA •ueo'I aq1 g1pM uop1Oauuoo ut (uoueutioj.ui Iepaaletu gutM aapua-j appnoad 01 pope ao) aapuarj 01 Sluatualets ao uopetuJoju1 aleanOOeut JO 'uppeajsltu `asjej /Cjjeua3Eut ane$ luasuoO ao agpajmoul s,aamoaaog g1UM _to aamoaaog jo uopOaalp am 1e gupoe saupua ao suosaad Iiue .zo aamoaaog `ssaooad uo11eO1jdde Ue0' am Vutanp `J1 1lnejap u1 aq pegs aamoaaog •uo►jnajjddV unorl s •g •asnea ajgeuoseaa tons Sul Toads uouoadsut a0taatup ue tinns 01.IoiJd JO JO aunt am 3e aouou aamoaaog anti gals aapuai •Alaadoad 0111 U0 S2UOIll A0admt OW JO aopaalup aq1 1OadSUT Amu aapuarl `asn1O ajgeuoseaa sett 11 11 •Xlaadoad alp jo suopoadsup pue uodn sa[alua ajgeuoseaa ,Gear luau sIp JO aapual °uoueaotsaa 10 aledaa lions jo u0pajdutoo alit aoj uou qqo s,1oMOaaog jo panaljaa tou s1 aamoaaog `Xlaadoad alp aaolsaa so aledaa o1 1uolowns mu an spaaooad uopleuuiapuoO a0 aOUeansuI aq1 •patajdtuoo s1 3poM app se sluauthd ssaagoad jo sauas a u110 luatuiied oiSuls a Ut uopeaolsaa pue saledaa a113 ao3 spaaooad asangsip hut aapua-I •sasodand ions aoj spaaooad paseajaa sett aapuai ji Ajuo Auadoad aqt 5Uu01s01 JO 2uuiedaa aoj ajgisuodsaa aq Hulls aamoaaog `Iitaadoad alit `3o gupjet am ao '01 aeutep g11M uopoauuoo up pied aae spaaooad uopletmtapuo3 JO aODUansup 3I •aReuiep ao uoue1Opaalap aaglanj P1one 01 paetuep ji Alaadoad ail apedaa klldtuoad hugs aamoaaog 'woo; kipott1OUOOa 10u sp uopteaotsaa ao apedaa tegl S Uotloas 01 tuensand paultuaalap st 1! ssajun •uouipuoo St! 01 anp amen u1 gUtseaaoap JO 2uttea0uatap uioa3 ictaadoad aq1 tuanaad o1 aapao up ilaadoad aq1 uleiuleut pegs aamoaaog `Iilaadoad alp u1 &uiplsaa s1 aamoaaog tout ao aaglat •Ataadoad 0141 uo atsem IlututOO JO ateaol /atop 01 ,ivadoad am mope `,tuadoad am aludtui JO auttrep `Aoatsap tout pegs aamoaaog •suoipadsul :Spadoad ati; jo uojjaajoad pun aaunuaju eix `uoljnnaasaad 'L °joatuOo s,aamoaaog puokaq LIMIVA lspxa saouelsumoalo $uuenualxa ssajun JO 'pjaggUM iCjgeuoseaaun aq IOU Hugs luasuoO gopim `5upum u1 saa1Re aslmaaglo aapua-I ssajun `AOuednaao jo atep aql aa1le aea,( auto veal 1E aoj oat/appal jedlouud S,aamoaaog se Ala0d0ad alit &Cdn000 01 anupuoo Hugs pue luatunatsuj X1ufOas slip jo uopnOaxa alit aauue Sip klxis upglTM aouappsaa jedlouud s,aamouog se Ataadoad alp asn pue `gsl1Qelsa `Adn000 Hugs aamoaaog •,foundnz00 '9 °anp uagt 1ou so aaglatim `tuatunusuj '(1unOas spit JO a10N 0111 aapun ppedun stunotue lied 01 JO Xlaadoad 0113 aaolsaa 10 apedaa 01 aaglla spaaooad aoueansui agt asn hut aapua-j •Auadoad apt jo a5R1OA0O MO 01 ajquOi1dde an slg2pa ions se aejosui `Alaadoad aq1 &UUano3 saloijod aoueansui jje aapun (aamoaaog kq plod smut/aid pounaun jo pun Niue 01 1tj U 0111 uugt aagto) stg2u s, aamoaaog jo aaito iCue (z) pue `1Uatunalsuj I(lunoas spit ao a10N alp aapun ptedun stunoure app paaoxa 01 toU iunoure tie u1 spaaooad aoUeansul dire 01 S1g2ia S, aamoaaog (I) aapual 01 suglsse 1igaaaq aamoa10a `astmaatjto JO ZZ UOpoaS aapun Staadoad att1 saamboe aapua7 Jp a0 `mono _tamp uj si aopou alp uagm upaq 'pm pouad keP aqj •mieIO 0111 ajllas pue alelto2ou Amu aapua' uagt 'tupejo a aims 01 paaajjO sett aauaeO aoueansut alit 1etI1 aapuarl tuolj aopou e 01 shp p£ upium puodsaa 1ou saop aamoaaog 3l °saalletu palejaa pue m1eiO aoueansut ajqujpznu iuu ajllas pue ateplaaU `am Sew aapuarl `Xuadoad ail suopuege aamoaaog 3I °Z UOTOas UT JOT pappnoad aapao ail up pagdde aq pugs spaaooad gout insut tjons °aaMOaaog 01 pled `,pue ji `ssaoxa alp attorneys' fees to protect its interest in the Property and /or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until the Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, -6(WY) (9904) Page 8 of 15 154 Form 3051 3/99 66/E LSOE 11110 5l )0 6 06ed (17066) (AM)9- <12) SUp 5uiu2Ts -oo ST (E) 1au2is -oo„ t) aloN agl alnoaxa lou saop mg luatunulsui Alunoas sup su2is -0o ogm 1amOJ10g Aut `Janamof •TEaanas put two!' aq Timis Aullquil put SU011atigo S,aam0110U 111141 saadE put slutuanoa 1OM01J0g •punog SUSS stalssy put saossaaans :saauals -op :Ailiqui l Igaanas pug iulor •Apauml 10 1q ii Aut jo asioiaxa ag1 apnioaad .io 3o JanItm 11 aq 1ou Hugs `anp uatp lunounn ag1 utgl ssal slunotut U1 10 JamoJJog jo 1saia1ui ut siossaoons ao saimua `suosiad patgl luau sluatuAtd 3o aoutldao n s,aapua'i `uopultuitl lnogl1m `2uipniout ApatuaJ 10 iq u Au11 2Ulsiolaxa ut Japuai Aq aouritagao3 Aud •JOMOJ.10a JO 18010111i ut SJOSSa0011s AUE 10 Jamo11og Itui uo agl Aq apuui puttuap Cu 11 jo uostai Ag luamnilsui AuJnoas sup Aq pamoas sums am jo uontzwowu A3ipotu asimioq o Jo luawAtd Joj quill puma 01 asnjai 01 Jo JamoJJog 3o 1saJalui ut ioss000ns Aug fsuua11 OutpaaooJd aouaunuoo of paunbai aq 1ou TTtgs Japual •1amo11og Jo Isamu' ut siossaoons Au11 Jo 1amo11og ;o rililtgtil am astaTaJ o1 altaado 1011 hugs JamoJJog Jo Isamu' ut Jossaoons Aue Jo JamoJJog o1 Japua- Aq palut.5 luatunIlsui A1TJnoas sup Aq pamoas sums am JO uo1luzplou t Jo UOUEOijtpoui 10 luoUJAEd Joj atITI 0q1 3o uotsualxg •aaAp14 11 JON aapual £g aauuauaclaod :pasualag 30N aaAtoaaog 'zi •z uotloas 111 10j paptnold Japlo am ut paiidd11 aq utgs A11ado1d alp 3o "[alai 10 11011ta01SWJ 01 patlddt mu alt Imp spaaooJd snoauEllaos!IN TTY' •lapual of pttd aq Hugs put pau5tsst ICgaJaq 0x11 Auadold alp ut 1sa1a1uT s,Japua' 3o luam1tudtui am 01 aiquingiullt Olt lEg1 sautuup Joj undo Jo pJtm11 ,Cut Jo spaaooJd quiz •luatunilsui A11Jnoas sup Japun siiBUJ Jo Auadold am uT 1sa101u1 s,Japua-T 3o luauuteduut 111T1amt11 10410 10 Auado1d alp JO aJnlTaJ10j sapnloaad `luaudpnf s,aapua'i ut `11141 gu1inl 11 gjm passtuistp aq utpaaoozd 10 uouou am 5utsnto Aq `61 uotloas ut paptnoJd st a1111sutaa `palln000 stg uoptaalaooE ji `put 1intjap 11 go11s 01110 ut0 JamoJJog •luatunllsui Altlnoas sup Japun s1g2i1 10 A1Jadold am ut Isamu!! s,Japua'i 3o luounn?cun TtualtW Jag10 .10 Auadold am Jo aJnllajIOj ui 1Tnsaa pinoo `luaut2pnf s,Japua1 ut `ltgl un2aq sT `111utunlo Jo Ttnto 1aglagm `5utpaaoold 10 110f1o11 Aut jT fjntjap ut aq Hugs JamoJJog •spaaooJd snoaUEtlaosm 01 p11l 01 ut u0110t JO 143i1 11 S11g JamoJJog luogm 1sU1at A11td am Jo spaaooJd Snoa11Ellaosil^I JamoJJog samo 111p1 A1111d puug1 am sutom „A1Jtd uisoddp„ anp uagl IOU 10 Jaglagm `luauif.1SUT Altmoas snit Aq pamoas stuns alp 01 10 A1ladoad am 3o JttdaJ 10 U011E101501 01 104110 spaaooJd snoau11Ti00S1JA am Aidd11 put loailoo o1 pazt1og11111 st Japua'i `uant$ st aotl0u am altp 0141 nut sAup p£ uTg11m Japua'I 01 puodsal 01 situ JamoJJog `sa ttutp Joj undo t a111as 01 p111mt 1111 0)11W 01 S1aj30 (aoualuas 1x011 0141 111 pauijap st) A1Jtd 2uisoddp am 'Imp JamoJJog o1 Japua'i Aq aotl0u nut `JT Jo `JamoJJog Aq pauopu11gt st A1Jado1d alp JT •anp uag1 stuns am 101110 104101TM luatuiulsui Alunoas sup Aq pamoas sums am o1 pogddt aq Hulls spaaooJd snoau11TTaosHAT am `2Ui1i1m ut 0015E asTm1ag10 1014110'1 put JamoJJog ssalun 'omit ut ssoi 10 `uoilonJlsap &up1El Ttplud am =Jog A1altipat m! pamoas sums am 3o lunotun am utgl ssai st awn ut ssoi 10 'uotlon1fsap `2UpTtf T11tutd am aaojaq Aial1tpauitut A11ado1d am 3o anJEn 131T111111 1T11j am gotgm ut A11ado1d am Jo anitn uT ssoi 10 `uouonalsap `2upltl Tupred 11 3o 111040 0141 ui •Jamoalog 01 pt11d aq Timis aou11111q Aud •an111n ut ssoi 10 `uoponJlsap &1141111 f11f.td am atom Alal11tpaUutui filmdoJd am Jo amen 1al1111tu Jt11J 0141 (q) Aq paptntp =Tun ut ssoi 10 `uoTlotutsap `2uplut Tupied 0141 alojaq Ala1Etpatnui pamoas sums am 3o tunoul11 mot ag1 (E) :uopo111J 5uimo11o3 ag1 Aq pa!Idpintu spaaooJd snoau11i 00S1jAi am Jo tumult am Aq paonpal aq Hugs luaunulsui *moos sup Aq pamoas sums am `$ui1!Im ut aaat asTmaaglo Japua'i put JamoJJog ssaiun `anjtn ui ssoi 10 `uoilonulsap `2uT1111 I11t1111d 0141 aaojaq Alaltipatuun luauinalsui Alunoas sup Aq pamoas sums am Jo lunouit alp 111141 JattaJ2 10 01 'tuba st 01111111 ut ssoi Jo `uouonJlsap `3ut)Tt1 Ittutd ag1 alojaq ATa1Rtpatutut A1Jadoid am Jo =Tun 103111101 1t1J 0141 go14M ui Auadoad am Jo anitn ui ssoi 10 `uotloiufsap `21.1pTEl 1ti1J11d E Jo 111040 am uT •1aM0110g 01 MEd 'AtmJT `55003C0 041 gltm `anp 11041 1011 Jo 1aglagm `fuatunllsui Allmon sup Aq pamoas sums am 01 paTldd11 aq Timis spaaooJd snoautJiaosm alp `Aflado1d alp JO a 111 ssoi 10 `uo11onJ1sap `'11141111 plot 11 Jo Juana alp uT z uotloas UT 101 paptnoJd Jap10 am 1111 patidd11 aq 11tgs spaaooJd snoau11liaosry4T lions °1amo11og o1 pred 'Att 3T `ssaoxa alp 41Tm `anp uagl 1011 10 aaglagm O t8 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 ®6(WY) (5904) Page 10 of 15 J 56 Form 3051 3/99 661£ l90£ W1oj 4 44 51. 40 L L abed (t066) (AM)9 ddSg2I uougturo3ul 101.110 /(ue pue op= aq molls sluaum1ied gortm of ssalppg 0111 `raotnlas ut o-r mat OM 3o ssorppg pug arugu 0q1 01g1S HIM gatgm 0211e10 a1413o 00U01.1 u011um ua4 aq rum lamollog `1a01nras ugo 014130 08umto g st aiagl 31 •a1oN agl 3o ales g or prep= 103In10s ue0'1 0111 JO sa8ug1.10 WOW 10 0110 aq 101111 osjg ara14y •Mg'j alggoilddli pug luatuulsuj r(ltmoas sup 'aloN ow lapun suot1g8T1go $urarn1 s ugoj a501.ioui ratio su11ojrad pug lust tursur Allmon sup pug a1°N at1 lapun anp sluatliied otpotlad sloalloo rem „rootnlas ugo7„ 0141 sg umouaj) Amin 0141 111 auggo g u1 ljnsai ig8rul alts y •1amo11og or aollou loud lnoiplm saultl wow 10 auo pros aq ugo (luatmllsur iilunoas sup gljm laglaol) abler atr ut Isama1u! Igllrud a 10 010N 014,1, •aauenauf 3o aaDoj*r :aaalnaas ueo7 3o aumo :a;oN 3o alug '0Z 8i uotloas lapun uotle101aoog jo am 0141 ut Ajddg 1011 Ilggs alu1su!a1 01 111$14 situ `Ianamog °pai.1n000 peg uot1g1ajaoog ou 314 se oil ma33a iCjJn3 uteulal Begs Agaraq palnoas suop ilgo pug ruaunulsuj Artrnoas sup `1amo11og luaulalelsular uodf •laJsugJJ, spun,d otuorloalg (p) 10 41110 10 i(lrjeluau1r111sut 'Aouae jerapa3 E Aq palnsur ale susodap asogm uounmsur ue uodn umgrp st pogo tons Aug paptnold 'vow s,ratgseo 10 loago matting/1 Vato Aueq 'pato pauplao (o) 'raw Sauour (q) `tsllo (g) :lapua1 tq paroalas se `su11o3 8u1moIlo3 atl jo 010141 10 auo ui sasuadxa pug. sums luarualersural tons pied 1amo11og 1et1 altnbal Amu rapua'l •pauggoun anutluoo Hurls luaum11suj *moos sups ,Cq palnoas sums ow iced or uotle2tlgo S,10m01rOg pug luarunrlsuj *moos sup lapun slt8rr pue iilladold 0141 111 1sa101ut s,lapual rum alfSSR or altnbal Ajgguosgal Amu lapua'j Sg uorl311 tons sa�1e1 (p) pug :ruaulnrlsuj Altlnoas sup spun sr14$u pug Xlladold 0141 ut Isamu! s 2u110a1o1d jo asodrnd atl 103 palmoul saa3 ratio pug `saa3 uorlgnjgn pug uotloadsuj Xlladold `soa3 ,seiaurolrg ajguuose0l `or paltwtl 1011 lnq `2ulpnloul `luaWnzlsuj /Slun0as s1141 2ut3roJua ut pallnout sasuadxa Ile sXud (o) :sluau1aaau 10 sluguanoo 101410 Niue 30 lln1Jap Aug sam0 (q) `.P011n00o purr uojlgla1aoog ou 314 su a10N 0141 pug 1uauIn11sul ii111n0as sup spun anp aq pinom 110141 14 sums He lapua' s1fed (g) :lamollog 1g141 are suotltpuoo asogy •luatnulsuj /iltrnoos sup gutoloJua luatl$pn[ g 30 Aiwa (tut) 10 arglsutal 01 1q41 s,ramollog jo uo1leutulral 0141 ro3 i 1t8tu1 MWj ajgeotlddd su pouad 101410 tons (11) `luarunrlsuj iiltmoas sup ur paulgluo0 ajgs 30 lamod /fug o1 luunslnd Alradold 014130 ajgs arojaq sAgp anti (t) :jo lsa11rea ow of loud 011111 iiuu 1l panu11uoostp luacun11sUr /Cltlnaas stir 30 111at100103ua ane14 01 1144r 0141 0111114 jje14s 1amorlog `suotltpuoo u1g11a0 sla0ul 10/011014 Jr •uol ;elajao3y aa;3y a ;11 ;sung s,aanno.uog '6T 10M0110g 110 pueulap 10 oopou latlrn3 lnotltm luaurnllsul riljln0as sup (q palltullad sa1Patual Aug a)Tonul I(gut lapua'd `potlad sup jo uorrerrdxa ow of loud stuns asa141 d 02 sI1g3 lamollog Jr •luau1n11sui Alilnoas S1141 iq pamoos sums HE /(ud lsnur 1am011og 140114/ tali/ SI uotloas 1411/ 00uep1000g ut u04 st aollou x141 amp 0141 u1o13 s,igp OE tetl ssaj 101130 pouad e aptnold bugs aollou a14J •uopgr01000u 3o 0011011 10/011014 01112 hugs lapuarl `tondo sup sasroraxa lapua'Z 3 muj Ielapa3 Sq pallgrgord st ammo tons 31 rapua'j dq pasr0laxa aq 1011 hugs uotldo sup `lanamog •luaulnulsui Arpnoas sup /iq palnoas sums IIg 30 Raj ur luaul,(gd arerpoutul altnbal /(gw lapuarl `luasuoo ualltlm loud s,lapuarl lnogltm (parraJsugr1 10 pros sr lamollog 11r Isamu! jgtogauaq g pug uoslad jumreu g mu s1 10m01r0g 31 10) palraJsuerl 10 pros SI Xlladold atl 141 150101ur /am 10 i(110d01d 0141 30 11gd Aug 10 11 3I •lasgg01nd a or amp alnln3 g 114 10M011011 ,Cq Opp 3o r0Jsuell 0141 s1 14 3 111alur 0141 `1110111001514 molosa 10 1011111100 Sajgs luaulilelsur 'pap 103 10er111oo 'pap 103 puoq e 111 pall0Js11ur1 slsaralut jgra1Jauaq aso141 `01 parrultl 1011 111(4 `2utpnraul `Alradold 0141 ur lsalalur Iurotjauaq 10 Taaal Aug sueatu „Arradord 0141 ui lsalalul„ `81 uotlaas si141 ut pasn sy •iantoaaog uI ;saaa ;uj I1110!Jauag 11 .10 Spadoad aq3 3o aaJsuea,L •81 •ruaurnrlsul (lunoas sup 3o pug 010N ag13o 1idoo auo uanr2 aq Huts 10mo11og •,SdoD s,aaMoaaog •L1 '11011011 ,fug 0)111 of u011atjg0 Aug lnotltm uorlal3srp alos sani2 „ii1u1„ Prom a141 (E) Pug `gsran aaln pug tumid 0141 apnjour pug 111101.11 11e14s 1glaurs 0141 tit sprom (z) `lapua5 autu!uIa3 0141 3o sprom ro sprom ralnau 2utpuodsarlo0 apnjout pug ugaul Hugs rapuaW autlnosuur 0141 3o sprom (I) :luaumrlsul Alunoas sup ur pasn sy •uorsrnord utiorTjuoo 01411nogllm 100330 uan18 aq 11110 gotgm a10N 01j1 10 luarunrlsuj Alun0as slur 3o suojsrnold 101410 1003311 1011 Vets 10!131100 tons `/14'1 requires in connection with a notice of transfer of servicing, If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer(s) and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser, Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (1) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (2) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (3) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law and (4) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (1) that is in violation of any Environmental Law, (2) which creates an Environmental Condition or (3) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (1) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge; (2) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (3) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. -6(WY) (9904) Page 12 of 15 Form 3051 3/99 66/E L90£ Lny 51. )a £L °Bed (V066) (AM)9 •Suiuio,iM Jo smel uoildwaxa peaisamog alp Jo aniain ,Cq pue .iapun si !J Ile santem pue sasealaa 1 At0 1011 •saaAieM '1'Z ajquoijddy aapun pai ;naiad st ooj agi jo guigzego alp pue pampa/ saotnzas zol Aged pngi u o; pled st aa3 au; 3i Apo inq 'ivaumalsuj kipnoas sun ulsealai .JOj aaj a Jamoazog amp Amu zapual sisoo uopepiooax dCue ,Cud jlugs aamouog •ivauznaisuI'itanoas sigi asealaz Hells iapual `Iuaumi ;sal Aipnoag sup Aq pamoas sums He Jo ivauz1iud uodn •aseajag •£Z ;j o; pal ;j ;ua ,410a' suosaad ao uosaad aq; o; ssaaxa &us (a) pue :;uauma;sul S;Ianaas sup Aq pumas stuns me o; (q) :saaj ,s,Cauao ;e algsuoseaa pa;luill ;ou ;nq ulpnlaut 'ales aq; jo sasuadxa ije o; (e) aapao 2ulmojloj aq; uj pajlddu aq hugs ales aq; jo spaaaoad aqy 'ales ,fuu ;e Slaadom aq; asegaand Sum aaudjsap s ;j ao aapual Msl ajquallddv £q pagjaasaad aauueuz aq; uj Nos aq Bugs £;aadoad aq; pue 'arcs jo aaj;ou alp gsljgnd mugs aapual 'sj uopaas uj pap!AOad aauueu1 aq; uj aamoaaog 03 ales aq; jo aaj ;ou 34 hugs aapual .Merl ajgsajjdd\ q ;►M aauepaoaae u► ;uaaa33!p 3i 'Spadoad aq; jo uoissassod u► uosaad aq; o; puu aam0aaog o; asojaaao3 0; maw; 3o aaj ;ou a4 pegs aapual 'Nes jo aamod aq; sajonuj aapual 3I •aauapjna app jo s;soa puu saa; ,s,iauao ;e aiquuosuaa `o; pa;jwjj ;ou ;nq Iujpnpui 'ZZ uoj;aas sup uj papInoad salpawaa aq; 2ujnsand u; paaanau; sasuadxa Hu papa o; pal;►;ua aq plugs aapua? °Mel aigeamddd ,fq pa;;jtuaad sajpatuaa aag ;0 Sue pue ales jo aatod aq; a)loeuj Sum pus pueutap aaq;Jnj ;noq;4M ;uatuna ;sal ;tanaas sup £q paanaas stuns Hu jo tin3 uj ;uawSed a;ejpatuwj aajnbaa Sum uoj ;do s ;j ;e aapual 'aaj;ou aq; uj pampads amp aq; aaojaq ao uo paana mu sj ;jnsjap aq; 3l •alss puu uoj ;eaapaae o; aamoaa0g Jo asuajap aa ;O ,Cus a0 ;jnujap e 3o aaua;s[xa -uou aq ;;aasse o; 'town pnoa u 2uiaq o; ;Op ag; pus uo!;uaapaas .t ue a;e;sulaa o; ;Oa aq; 3o aaMoaaog waujuj aagpn3 mugs aapua aq,l, °i;aadoad aq; 3o ales ;mu ;uauma ;sul ,f;janaas sup Aq paanaas stuns aq; jo uopeaajaaas ur ;lnsaa ,few aopou aq; uj pappads amp aq; aaoJaq ao uo ;jnejap aq; aana o; aanjjs3 mg; (p) pus :paana aq ;sntu ;lns,;ap aq; gajpM ,fq 'aaMoaaog o; ua4 sj aaj ;ou 3143 amp aq; ma.; sJCep 0£ ueg; ssai ;ou 'amp s (a) :;jnejap aq; aana o; paajnbaa uopau aq; (q) ;Insjap aq; (u) :SJpads Hugs aai;ou 3141 •(asj,uaaq ;o sap4Aoad Msl ajquajjddy ssajun gI uoj;aas aapun uoj;eaapaae o; aojad 3011 ;nq) ;uatuna ;sul ,f ;lamas sup ug ;uatuaaa2u ao ;ueuaAOa Sue ;o gamut s,aaMOaaog 2u!MOijo3 uo[;eaapaau o; aojad aaMOaaog 03 aa►;ou a4 Hugs aapual •sajpatuag !uoj ;saaiaaay •ZZ 6 r :smojjoj se aaJSu pue Iueuanoa aagiafJ iapua'j pue iamo.zzog •SINVNHAOD I' fIOdINfl -NON S 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. Witnesses: AMES D DUBISZ DUBISZ (Seal) (Seal) Borrower Borrower 6(WY) (sso4) op (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Page 14 of 15 (Seal) Borrower (Seal) Borrower Form 3051 3/99 STATE OF WYOMING,, by i 1 The foregoing instrument was acknowledged before me this November 2 2 0 0 0 JAMES D DUBISZ, AMY L DUBISZ, HUSBAND WIFE My Commission Expires: 9/12/03 -6(WY) (9904) Page 15 of 15 inn 361 Teton County ss: Form 3051 3/99