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HomeMy WebLinkAbout86909711 1 66/£ L40£ WJoj N 1110 IN 73 1 11 !V! 130 00 1 1 W J )r.)_I'Jl!OO NI Js''vl (3AID03 J 11 1 i 1 11 11 •9T not ;oaS ut papteozd one ate )uatunoop stg; ut pasn spzom jo aesn alp &utpie2az saint uTeazaD •TZ pue OZ `8T `£T `TT suot ;oaS ut paurdap ate spiom tag ;o pun mopq pauzdap ate ;uatunoop stq; jo suopoas aTdpinut 111 pasn spzoM OSL8ZOOZT609Z9000I NIN •STIiIN (888) Ta; `9ZOZ ITEM `lu ?Id `9Z0Z Xog •0•d jo auogdaja; pue ssazppe ue seg pue `azemgJa j 3o sme! alp iapun tut ;stxa pue paztueazo st Sggy\T ;uaUIna ;sui A;ianaas sup aapun aa2e2 ;aout aq; sI glow •su8isse pue szossaoons s -I pun zapua-I zo3 aaunuou a se XTajos But ;ae st aeg; not ;ezodzoo a ;ezedas a st slow auI `suta ;sAg uotaezaspa21 atuozaaaig a5e2 ;zow st „S (a) luownz ;sui SIT.moos situ zapun zo2r5liout alp st zamozzog 0002 'H,L£T 2JSHO.LDO gOVd 2Id v,r w�x008 elilul 5 L la L 06ed (scum (AMlV9- 5 (00/170) OLLLAAVIIAI Sl13W H1IM 1N3W(la.SNI W}IOIINfl OWIHd /VWNA-AI!wed 916u!S-JNIWOAM NVIAI S'IDNIS FI '2iSNOJJFIM A2IVD st „aamoaaog„ (a) luautnaop situ o; slam IIe g ;Tm zagaaBo; polyp st tptgm `auautnoop stga sueaut ;uauma ;sui AIanaas„ (v) I9V9 L TOO N [ma 5mpaoaau .►o3 our" snu, aeogy ands] I. 606 SLN L6 510081 Od 30VOIHdi/VA O di/VA SNOL,LINI33Q O'Z9L 056 agT'S 'aATaQ wnaonO 0986T xa0M 4aN IP TouuuTa s5uzwoDewog :SE{ pazedazd S :1egwnN UBOI £ZVSS NW 'sUodaaurN ON 114SB013 uetp!iayp aap 'Xxomlarl tatauacug SSatul03aluoll :oj uzn ;ag TIL£TOZO (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 13TH, 2000 The Note states that Borrower owes Lender ONE HUNDRED FOURTEEN THOUSAND EIGHT HUNDRED AND NO /100 Dollars (U.S. 114,800.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later tharNOVEMBER 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) "Rideri" 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]: MFWY7770 (04/00) 041 200287 -5 ©®6A(WY) t99o5■ Adjussaile Rate Rider Balloon Rider VA Rider Condominium Rider n Second Home Rider Planned Unit Development Ride+ 1 1 -4 Family Rider n Biweekly Payment Rider 1 1 Other(s) [specify] (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (J) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" 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) misrepresentationsof, 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 SettlementProceduresAct (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 requirementsand 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 Initi 22 Form 3051 3/99 66/£ 650£ wioj eiuUI 9 L 40 06ed (9066) (AM)V9-1110 g (00 /170) OLLLAAAAIAI Ilzadozd Igaz 2upanoa puauinzpsur Sptznoas uuopun g apnprpsuoa of uoipotpsptif kg suotpugn panunl il!M sluguanoo uUOltun -uou pug asn Iguoipgu zo3 SlUMIOAOD urzopun sautquIoo .LNg1Ali DI.LSNI A,LRIf10gS SIH.L °pzooaz jo saougzqumoua Sug op loafgns `spuguiap pug sturep IIg pun Slzadozd ail of app all Stigzaua2 puajap Ilan pug slugzzgm zamozzOH °pzooaz 3osaougzquInoua zo3 Idaoxa `pazaqumouaun sr Slzadozd ail len) pug Slzadozd aril &anuoo pug lugz2 `a2g;Ip row of Itj2p alp sun pug paSanuoa iSgazai apupsa ail jo pastas iiiinyari Si zamozzog Igll S,LNVNHAODZIgA1O111IOg °luautnzlsui Animas sail Sugaauga pug Sursgaiaz `oI papiuni you Inq `Sutpnpui zapua I jo pazrnbaz uoipog Sur avl op pug Slzadozd alp Has pug asopazo3 op Iti;Itz gip `Op panunr lou Inq `2uipnpu! `slsazalui asotil 3O IIg JO astazaxa op :pl;Iu ail sun (su;Ilssg pug szossaaans s,zapua-I pug zapua-I zo3 aauituou sr) s'a 1J i tuoisno JO mgI ipim eiidutoo op Szgssaoau 3F `lnq'luaurnzlsul Apiznoas snip ui zamozzog Aq paiuri2 spsazapul ail op app Iaai /Sluo smog sugyl Igip saaBg pug spugpszapun zamozzog „°dpzadozd„ ail sg puatunzpsul klunoaS sn p uI op pomp.' sr 2uro2azo3 alp jo n' °puamnzpsui Alunaas slip Sq pazanoa aq osir Iris suotptppg pug sluatuaagidaz IIFr °6pzadozd ail jo pied g zaljgazal zo mou saznpxij pug `saaugualzndde `spuaurasga IIg pug `Spzadozd alp uo papaaza zalJgazai JO Mou spuauranozdun ail H,LIMIIHMEDOL „ssazppy 61zadozd [apoD d!Z] 8Z I E 8 SuruzaM [xlID] SNI d rIK [iaails] 68 AVMHOIH Sfl 8909TT jo ssazppg ail sgi Spuazzno noiim 009 L 800000 L E T T :zaquinN cu pond ONIVIOAM 'A,LNII00 NrIOONIrI '?RI3rI0 A,LNII00 dO SOIddO HILL NI QE'II6 LFIrld LYHL OS. ONIGEODOV 'M6TT2I 'N9EZ E NOI,LOSS dO T7/ CMS /TEN GM/ fl/TMNI7 /TES dO .L2IFId ONIHH NOISIAIQflfS ONEHOW EHL 30 T 101 [uotlolpsunr Su!paooag ;o aW6NJ [uo! orpsunr 2utpaooag ;o adSA NrIODNIrI JO A1NII00 ail ui palgooi Spzadozd paquasap ;Iutmoiio3 ail `airs 3o zamod ip?M `S2lgAT jo su2ISSg pug Szossaaans ail op pug (su;Iissg pug szossaaans s,zapua-I pug zapua-I zo3 aauiutou sg Slaps) sugys oi Xanuoo pug lugi2 `aRg;3pzotu Sgazal saop zamozzog `asodznd sup zo3 •aloN alp pugluaurnzpsul Snznaas sn p zapun sluaulaazfg pug sluguanoo S,JOMOZZOa JO aougtuzoJzad alp (q) pug !Nom alp jo suorpgopipoul pug suorsuapxa `sigmauaz IIg pug `ugoq alp jo puatuSrdaz aip (g) :zapua'1 op somas luatunisul 'iltznoaS siq,I, AIIIgdO2Id gH,L NI S,LHDRi dO ugISNV2I L °puaurnzpsui Apiznoas sill Jo /pug apoN alp zapun suopg2ggo s,zaMOZZOg paurnssu seq Sped rip Ion zo zagpagm `Slzadozd alp oi aipp umpl sgi rip iipgd Sur sue= „aa toaaog ;o isaaalui ui aossaaanS„ (a) V 2 2 8 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 instrumentreceived by Lender as payment under the Note or this Security Instrumentis returnedto Lender unpaid, Lender may require that any or all subsequentpayments 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 deemedreceived by Lender when received at the location designated in the Note or at such other location as may be designatedby Lender in accordancewith 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 prepaymentsshall 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 encumbranceon 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 Initi s: MFWY7770 (04/00) 041- 200287 -5 aft 6A(WY) (9905) Page 4 of 15 Form 3051 3/99 66/E L90S mod S S abed (sow (AM)119 oft, 5 LSZOOZ (00 /b0) OLLLAMdNN all 2uI6jiluap! aotlou r zamozzog aAl2 zapua' `luaumzlsu] Slunoas sup zan0 XltzoUZd urepr uro ITolgm trail a of polgns si,illadozd all jo !zed Niue lellsaututzalap zapua' jI •luatunzlsuj k pnoos slip 01 mg all Supempzogns zapua -I of SzopejsprquautaaJd11 ur ual all jo Japjog all utoij sa inoas (o) .to !papnpuoo air sBuipaaoozd lions !pun /quo Inq `2utpuad aze autpamoozd asogl ajtgm uaq all joluatuaozojuo ail 1Umnazd of alpzado uotutdo s,zapuaj Tit goiim auipaaoozd 'ego' `ut uatj ail jolumutaozojua pular spuajap so `Sq gj1q3 poo5 111 uai mil slsaluoo (q) `luautaaz5e lions 2u!utzojzad st zamozzog se 2uol os /ijuo Inq `zapua-] 01 algpldaoorzmuurut r Tit uaq all Sgpamoms uotle2igo all jo lumttard ail of &uIlizm utsaaar (e) :zamozzog swim luautn115uj AllmonS sill JOAO 410tzd sett gotgm uai] Niue aBzrgostp Spdtwozd jjegs zamozzog uotloaS ui pappkozd Jauupul ail ut lump pied jjegs zamozzog `sutalj Mozosg 0111 sutali asail jr gl lualxa all o .Sur jt `sluatussassy pup `sand `sang uoirtoossyXllunmmoD pui `Sur 3. `ilzadozd all uo swat punoB zo siUautSed pjolasral `luautnzlsuj Alpr oos sltp Jan) Aljzoud utpllr Ueo IpiTM ki1J0d0zd aq1 of ajgringtzlle suollisodun pup `soup tamp `sluatussasse `saxel jje gird jjegs 1mmozzog •suajg :sagaegg •p •zapua' Sq plat spun Niue zamozzog 01 punjmz Spdtuozd jjegs Japuag `luatun115uI dlimoas sill Xgpamoas sutras !Ir jo jjnj ul 1trnwird uodn •sluauiXrd iijgluom anjaM1 imp azom ou 111 Inq `VdSall g;YM 03urpz033P ut Rouapuop ail dn arm 01 S1 ssaoau lunoute all zapua-] 01 pied jjegs zamozzog pup `vdSgg Sq patmbni s1) zamozzog ,ijpou jjegs zapua-] `VdSg2i zapun pour a1) se `MO13s0 U1 Nag spun 3o /Comp gap r Si 01all jj •sluatuked Xjgluotu amoral imp 0JOUI oU Tit Inq VdSgfj i1! aouepz000e to a rizotjs ail dn wpm 01 Azessaoau 1Unotur all zapua? 01 /Cud jjegs 1 MOZZOg pue `yam' Sgpa gnbaz sr JOMOZZOg 490U jjegs zapua-] `vdsg21 zapun paugap se `MOZ3S0 uI pjati spun jo a mills 11 si aznl jI •VdSg2I g1?m0311ppl0001 UI spun] ssaoxa all zoj zamozzog 01 lun000r nulls Jopua-] VdSg2I zapun pauz ap se `M013s0 Ut pjag spund jo snjdzns a st azmil jI •VdSgJ i pazmbaz se spun ail jo 2uilun00011 jenuur ur `02zego 1noglTM `1aMOJ1og 01 an!2 jjegs zapua-] .spund all uo pied aq gulls Ismza1U! imp `zanaMOq 1utltzM Tit aaJSp ueo zapua-] pUe z0Mozz0g *spun all 110 z01SAIO u! SUE zamozzog pied of paztnbaz aq lou ITT zapua' `spund aqi uo pied aq 0115010111! sannbaz m11g algpogddv s0 2u11TJm Tit apetu spuatmaz2r ur ssajun amp o P goes a)jrul 01 zapua-] s1iuwJad me ajgrogddy pup spund all uo Isa1alu110M0110g &iedzapuaq ssajun 'man Mo10S,g- ail 2Ubijtzan 10 `111n000e MOZOSO ail 2u7tijpur Sljrnuur `spund all 2ut&jddr pue 2u1plo1 zoj zamozzog amp lou pugs zapua' •VdsgI zapun patjtoads amp all item zalej ou small Mozosg ail lied 01 spund ail djddr urns zapua? Aura urOgautOij jrlapad Sur Tit 10 (paznsut os aze slIsodap asogm uoIlnlllsui 1111 st zapua-] j! `iopuoi 2uipnjoui) Atpua JO `A1ij111uaumzlsut `XouaSu jezapaj 11 Xq paznsut aze si!sodap asotim 11011n111SUI ue 11I matt aq jjegs spun alts, •Mrg alg11otjddy IflTM aouepz000e Tit asIMZaglo zo small molosg alnlnj jo salnlIpuadxa jo samullsa ajgpuoseaz pue rl11p 1ua11n0 jo slog ail uo anp spun jo mourn all011U111S0 !Tugs 1ap11ag •icrdSg2I zapun 01 nbaz Tiro zapua! a lunou1r utn upceul all paaoxa 01 lou (z) pur VdSg2l zapun patjtoads aural all 1r spund ail Sijddr 01 Japing litulad Ol 1Uat01 (1)1Unou111 1111 Tit spund plop pue loaljo0 `aunt Sur Tr 'Sulu zmpuag uo1loas s1gl zapun paztnbaz trail 0111 !ell `sluuOUle ions Tit pu11 `spun 1111 zapuaq of gird !legs 10M0110 `U011e30A01 ions uodn `pue Si uOtloaS glIM 00uepz000e Tit UgAIW 0011011 11 tig aultl iiu11 111 swag] Mozosg !l11 10 Niue 01 se 1mn111M ail aIonaz Diem 10puag •lunotu11 ions Slur Japing 01 Medal 01 6 uo1100S zapun palp2ggo oq uagl !legs zamozzog pu11 lunoute ions gird pu11 6 uOtloas zapun slgAz s1t 0510103C0 X11111 zapua' 'man Mozosg 1111 zoj anp lunoutr all pied Ol 51!11] zamozzog pue `zanl11M 11 01 lu11nsznd `Lipoaztp sutalj Mozosg iced 0l pa1P2tjgo 51 zamozzog jI •6 uo!loaS Ti! pasn s! „luautaaz a pu11 lu11uanoa„ as11zgd all sr `lua111n11suj SltznoaS sell u1p0UlrluooluatuaaBr put. 1u1111anoo 11 aq 01 pamaap aq sasodmd ll11 zoj ll11gs sldtaoaz aptnozd of pu11 sluau1ii11d ions a)111ut 01 uotlr2igo s,zamozzog •aztnbaz Sum zapua-] s11 potzad amp tans utglrm 111atmird ions 2u!ouap!na 51d900110pumn 01 is!UZnj ljrgs `sazmbozzapuag j! `1)11111apUaj /Cc' panteMUaaq SPIT spun jo luautXrd go1gm 10j StIO �I Mozosg ,Sur zoj anp 0 230 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, earthquakesand 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 determinationand 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 /oras 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 requiredby Lender, shall be applied to restorationor repair of the Property, if the restorationor repair is economically feasible and Lender's security is not lessened. During such repair and restorationperiod, 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 restorationin a single payment or in a series of progress payments as the work is completed. Unless an agreementis 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 restorationor 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- 200287 -5 ®6A(WY) (9905) Page 6 of 15 Form 3051 3/99 66/£ 690£ WA T£ 9 0 L �64 (9066) )v9- 5 iti0 (00 /170) OLLLAM2111 ajgeuosea1 &irked pun 'paw ur 2uueadde (Z) `)uaurnslsul iilrznIas slit Jams Aluoud seg iOrgM uag a Jig palings sums Niue 2urded (j) `ol palrurrl lou asn lug `apnpul ueo suorlae s Ilsadosd aql 2urzrndasso /pue Suunoas pun `iilzadozd ail jo amen 0111 &tsrssassnzo /pue &upaalozd aurpnpur `)uaumzlsuj S)rznoas suj Japun slqprz pun Alzadozd ai) ur lsazalur mapua-I 2oaiozd of a2eudozddn so ajgeuosnaz sr sanaini so; i(Ed pun op Diem sapua-j uogi `Alsadozd aglpauopuege seq zamo1S011 so `(suorlejnSas Jo sMej 03J03U0 0) .10 luaulnzlsui A)pnoas srgl JOAO 4uoud ATOM km 1131gM uarj E 30 )Uauraozojua Jo3 `aznlrapo3 Jouopnutuapuoo zo3 `a)ngozd `Xoldnijunq ui urpao ozd g se gons)luaurnzlsul sup zapun 911 Isso /pue &isadozd ail uI isasalur s 1oa33e Xpueordru2rs lrjjrur le11l 2urpaaoosd oaaj a sr azagl (Z) `1uamnmisuj ,)11111009 srgl urpautn211oosluausaas2E pun slUeuanoo ag2u1zopzad of sjrejzaMOZZOg (j) 3I •luaulnalsul if ;lamas sill aapun gift; pun ,i;aadoad aq; ut 15000 ;ul vapua7 3o uo faaload •6 •aouaprsas odrzrnd s,zaMOJJOg se Slzadozd ail 30 buednaao Mamozzog 2uruzaouoosuope)uasazdaz `02 pa)ruli )ou aze )nq `apnpursuorleluasasdaz jErzainl�lj •ueo' ail g1mm uoq uuoo uI (uopnurzojur orza)EUW mink Japua-I aprnosd of pajm3 Jo) zapua-j olsluauralels zo uorleuuo3uralesnOOeul Jo `2urpeajsrur `asT3 kIiersaieur ane2 )110SUI33 10 a2pajmoU)j s,Jamozzog glrnn so Jamozz0a 3o uorloanp ail 1e 2urpe sarl so su0ssad AUn Jo JOMOJZOg `ssaoozd uognogdde ueol 01{ 2urznp `3r ljnnJap ur aq jogs 1 M0110g •110pg31jddy unorl s,aamoaaog •g •asnno ajgnuoseaz ions 2urfipioads uolpadsur Joualur ue gams of zoud so 3o au11) ail In aorlou JOMOJJOg 01112 jogs zapuai Alzadozd ail uo 5luauranozdull ail jo zoualur ail padsul Aleut zapuarj `asnnoajgnuoseaz 911'1 1r 3I lozadozd ail jo suomadsu! pun uodn saulua ajgeuosnaz mw /item wain slit Jo zapuaq •uorlESOlsaz so sindaz Bans jo uopajduroo OIp zo3 uorin2ggo 5czamossog 3o pamarjaz lots sr zamozzog %.)Sad0Jd 0111 0z01s01 10 Jtedaz o) )ua1Or33ns lots asE spaa)osduorleuurapuo) z0 aoueznsur ail 3I •palajduro3 sr Isom ail se sluauz,ied ssai2osd 3o salsas a ur s0 luauuied aj2urs a uruor)ezo)sas pun szu daz ail zo3 spaaoosd aszngsip Meru sapuaq •sasodznd gaps zoj spagoosd pasnaja1 snit zapuarl 3r /quo klsadozd a p 211u01s01 so 2uuredaz zo3 ajgisuodsa1 aq inns 1 M0110g `filmdomd am `3o &upjea ail Jo `02 a nutep 112rm uorlaauuoa uI pred aze spaaoozduo11numapuoo zo aOUesnsul 3l •ageurep 10 uorlesorsalap soling prone OI pa2nump 3r XLlzadozd am zredaz Spdurozd Iings zamozzog `ajgisnaj SjoOiuzouoOa 1011 sr11011RJO)S0J JO srndaz lnil S uoi2Oas o) 2uens1ndpautUlzalap sr lI ssajun •uorlrpuo3 s)r o2 anp anon ur 2urseasoap 10 2urlesoua2ap u1OZ3 Alzado1d ail lUanasd of Japso III filmdomd a1[ irrelureur jogs JOMOJJOg `Alzadozd 0111 uI 2urprsa1 sr 1 M0110g 1011 Jo J0111011M •410d0zd 011) uo alsnM lrururo) Jo a2nzoualap 02 A2zado1d ail moue `ii2Jadosd a111 z1Edun zo anuznp `&ozlsap lots jjEgs 1 M0JJ0g •suopaadsuI !Xpadoad aql 3o uonanoad pun aaunualuieltJ `uoilgnaasaad •L •1011UOO s,Jamoszog puoSaq aze gPr11M wpm saOUe1sur1OJLO 2u12enua2xa ssajun zo `ppgq)iM Xlgeuoseasun aq lots jogs luasuo3 gOr11M `2urlr1M uI saa.r2e as1MZaglo Japua-j ssajun %osednx o jo alep ail nun JEaX au0 knot )e zo3 a3Uaprsaz jndi3Urzd s se £1Jadosd ail Sdn000 01 anur2UOO jogs pueluauznJlsul L2rznoas sN13o uoilnoaxa ail 101311 &inp iilxrs ur1121maouaprsas IndIourzd s,JOMOJJOg se Alzadozd asp 0911 pun `gsrjgelsa `%idnOOO jjny 1 M0110g •,fauednaa0 •9 •anp tram 1011 Jo saglagM luaustupuj ,i21znOas slil zo aloN ail sapun podun 5111110111E pied 01 Jo A)zad0zd am aso2saz 10 zredaz o1 zag1ra spaazosd aounznsul am asn sinus zapuaq •6)sadozd a111jo aEJ0n03 0112 02 ajgnorjddn aze s2114J ions se iE3osur `iizadozd ail 2111121100 salogod aOUeJnsur 1111 Japan (zamozzog Iiq pied sulnrurazd pauieaun jo punjaz Niue 0) 1 o r 1 0111 11E112 J014i0) sups spmozzog 3o 101120 Niue (z) pun `2Uauzn125ui Li21znoas sri2 Jo OWN 0112 zapun predun s2unoU1I am paaoxa 02 2ou )unoUle ue ul spaaoozd aOUeznsul Aug 02 9211$!1 s,z0m0JJ011 (T) zapua-I 02 su2rsse Xgazai JOMOJZOg `asTMJ01110 10 ZZ 110p3Os zapun iilzadozd am sasrnboe rapuarl JI Jo `2110110 Ja11ma ul •uanr2 sr aopou ail Ua11M ur2ag !um porsad kep -p£ 011,1, -sumo ail aj1205 pun alepaau &eul zapua-j tram `Urrep a alms of paza33o se11 JOTJJE) aOUIsnsur asp 1ng2 Japuai uI0J3 aopou a o) &inp p£ ur112TM puodsaz lots saop JOMOJJOg 3I szal2nUl polyps pun ulrep aouginsur ajgejrene Xue aims pue 01e9020U 'OM Amu zapua1 `iilzadozd am suopunge 10M0110g 3I •Z uopoas uI zo3 paprnozd sapso am ur parjdde aq jogs spaaoozd aounznsul ions •10MOZJ0 o2 prnd %ue j `SSOOxa 011) o f69 }3'1 attorneys' fees to protectits interest in the Property and /orrights 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 premiumsrequired to maintainthe Mortgage Insurancein effect. If, for any reason, the Mortgage Insurance coverage requiredby 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 designatedpayments 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 requirementfor Mortgage Insurance ends in accordancewith any written agreementbetweenBorrower and Lender providing for such terminationor until terminationis requiredby 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 restorationperiod, 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 undertakenpromptly. 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 agreementis 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 restorationor 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 200287 -5 (D 6A(WY) mo5) Page 8 of 15 Ini Form 3051 3/99 r 2 3 66/£ L50£ W1oJ 6 l ;O 6 a6¢4 (9066) (AM(d9 Var S ibo (0otto)OLLLAAAiW step Suru2ts -oo st (e) „zauSts -oo„ e) alorl anp alnaaxa loll saop anq;uaumzlsul dlunoas step suits -oo onm zam0110H SUE `zanamoH •IgIanas pug auto! aq Ilggs diTJTggTJ pug suopatigo s,zamozzog pegl saaiSr pue slueuanoo zamozzog •punog suaissy pug saossaaans :saaais -og :dltltge1'I paws pun putof •£i •dpauwl zo pg$u due jo astoiaxa alp apnloazd JO JO zanrem a aq loll hens `anp uatil lunoute ani gimp ssalsmnotue ut zo Iamoziog jolsazapul ut szossaoons zo satlgua `suoszad pimp utoz3 sluatuded jo aoueldaooe s,rapual `uorlenuni lnogitm Turpniout dpamaz JO 1112?I Cu e 2ursrozaxa utzapua -I dgaouereagzo3 duy •zamozzog 3olsazalul ut szossaoons due zo zamozzog leut2uo anp dgapetupugtuap due jouoseaz dgluaumpsui dlunoas stgl dgpaznoas stuns all Iouoprztlzoute (Jtpotu astnmzatpo zo luaurded zo3 aim pualxa of asnlat of zo zamozzog jo isazalul ut zossaoons SUE psuteSe dutpaaoozdaauauzutoo of paztnbaz aq loll liens zapua -I •zamozzog 3o isazapul nrI s.rossaoons due JO zamo.uog jo dltiiggil and aseapJ of algzado lou tons zamozzog 3o psazalul uI IOSSaoons dug JO zamollog of zapua-I dgpalugaluatunzlsul dlunoas sup dgpainoas sums anp jouotlezgzouze 3o uotieoTJTpow JOluatuded zoJ aUIT1 alp 3o uoisualxg •aant1J a lO 4 aapuarl ,fg aoueaeagaod 'paseatag void aaMOaaog •ZI z uopoas uI zo3 paprnozd zapzo alp ut paiidde aq lens dlzadozd atp jo Itedai zo uoilezolsaz of patidde loll Oze Imp spaaoozd snoauetiaosm IIy •zapua -I op pied aq liens pue paatsse dgazan aze dlzadozd atjl urisazalut s,zapua-I joluauutedtut ai p olaigelnquipe ale lgnlsaSuutep zoj unelo JO pzemg Aug jo spaaoozd an.L luanunzlsul ditmoas sn p Iapun sltigu JO dlzadozd aril ut lsazapn s,Iapua-I JO luaumztedtut tetzaleut Jail° JO dlzadozd atp 3o aznnoy %sapnloazd `luatu2pnf s,zapua-I ui `Imp 2utinz e nitm passnustp aq of 2utpaaoozd zo uogoe atp 2utsneo dq `6i uogoas uI paprnozd se alepsutaz `pautt000 sequotpezataooe 3t. `pug pinepap a lions azno ueo zamozzog •luatunzlsul Animas sti p Iapun Jo dlzadozd alp to lsazalut s,iapua-I JO luatuItedun teuaiem zatpo JO dlzadozd OM 3o aznitajzoj ut pinsaz pinoo luaut2pnf s,zapual ut `lgtp unVaq si `leunurzo JO ITiTo Ianlanm Tuipaaoozd JO uorloe dug 3T itngpap uI aq lens zamozzog •spaaoozd STIOgUETIODSTIN op pzg2az uI uorloe jo Ig2u a sgq zamozzog utOnm 1sure2e Sized anp zo spaaoozd snoauetiaostj& zamozzog SO/AO mil died pztgl al psugatu And Sutsoddp„ anp uagp loll JO zanpagm luatunzlsui dliznoas sip dgpaznoas stuns anp of so dpzadozd alp jo Itgdaz JO tr /llezolS= of =pp spaaoozd snoauegiaosq atp didde pug loatioo of pazuotpne st zapua-I 'IIONTS sI aoglou anp alep atp zalp scup p£ mgptm zapua-I of puodsaz op site3 zamozzog `saetuep Io3 utteto a aims op pzeme UV a)teul of SWORD (aoualuas lxau anp ur pau!Jap se) Sized 5utsoddp alp legl IOMOIIOH of Iapua7 dq aorpou zalpe `3t Io `Iamozzog dq pauopuege st dlzadozd atp 3I anp uanp air sums alp poll zo zatpanim luautnzlsul d3TZnoas situ dq paznoas sums agp op pagdde aq liens spaaoozd snoauetiaasijA atp Tuiltzm ur aazge asrmzanlo zapua-I pug zamozz0 ssap m 'awn ut ssoi JO `uolponzisap Tulptep pitied alp azopaq diairtpatuun paznoas sums alp jo lunoute and uenp ssal st anlgn ut SSOJ JO `uogonzlsap &uDlep IgTized and azojag dlaletpatutin dizadozd alp 3o amen pa)jzenu zte3 anp noinm ut dlzadozd alp 3o anign ur ssoi JO `uogonllsap `Suppi tetpzed a jo liana aqi III •Iamozzog of pted aq liens aoueleq dud amen ut ssol zo `uogonzlsap `2uulei Ieilzgd anp azoiag diapeipauturn dpzadozd alp jo amen paaizeum Inel gip (q) dq paptntp amen ur sSOI Io `uoponzlsap `Suntep mind atp azopag dlaletpauzuq paznoas sums anp jo lunoule Iglol alp (e) :uopoez3 2urmoiloj atp dq pagdtlintu spaaoozd snoaugilaoslAJ alp jo lunottle ani dq paonpal aq hens puaumzlsul Animas step dq paznoas sums and `2uiltzm uI aaz2e astmzanpo zapua-I pug zamo1Iog SSatUn `amen ut ssol zo `uopottpsap `2ut)jel intlzed aril atom dlaluipatutur luautnzlsul dlunoas sup dq paznoas sums atp jo )untie alp uenl zalgaz9 JO of tenba st amen uI ssoi zo `uogonzpsap Tut3lel pegzed atp azopaq dialelpauuun dlzadozd agp jo amen lavem ztg3 atp tioTtlm TII dizadozd alp JO amen uI SSOI JO `uoTlonzlsap Tuptgl Igtizgd g jo liana alp uI •zamozzog of pled `due 3l `ssaoxa alp gpIm `anp uatp loll zo zanpanm `puautnzpsui dlunoas step dq paznoas sums atp of pagiddg aq liens spaaoozd snoau!IiaostiN anp `dlzadozd ail jo amen ut SSOJ JO `uogompsap a JO liana OM uI Z uogoas ut zoj paptnozd Iapzo anp ut patidde aq Tiens spaaoozd snoaueliaos1J eons •Iamozzog op pied `dug 3t `ssaoxa anp t prm `anp uagp lou JO zanlanm I! ;(4;', ;n 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 Instrumentin 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 Instrumentunless 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 Instrumentto charge a specific fee to Borrower shall not be construedas 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 interpretedso 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 permittedlimit; 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 Instrumentshall be deemedto 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 agreementby contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable MFWY7770 (04/00) 041- 200287 -5 6A(VVY) (9905) Page 10 of 15 Initial1`Y 23 4 Form 3051 3/99 66/£ 650£ WAOd B t to t t abed ddSg2i uoilmurzojui Jaglo Sur pug apeiu aq pings sluaurimd laplM of ssosppe ail `soo!AJas ugo-i mau gip jo ssazppr pug auzeu aria girls ilim loTgM a2ugiia all jo aopou uapTrim uani2 aq iitm Jamozzog `zaapuos ueo-i aif 3o aSurga r sr azalp Ji aloN of p jo airs r oTpairiazun zaornzas ueori aril jo soSueip azoiu JO MO aq ililm osit azaii,i, me-i aiggaliddy pur `ivarunsisui iiplmaas snp `aioN alp zapun suoi1acigo 2upinzas ugoi aMizoru Jaiio suuopad pug ivaiunzisui AiunOas s!qT pue aioN aril zapun anp sluauuied arpouad siaaiioa pmlT („Jaortuas ugori„ aril sr umouni) Slpua a11l ur aSuela a u1 pinsaz irigtur ales y •zaMOZZOg of 009011 ou Joud lnoipim sauna azour Jo auo pios aq uga (Tuaumxjsui Allmaas slip ippm sagpaol) aioN all u1 isazaim mind n d r so al0N ax'y •aauueaiaj jo aaloN faaain.zas ueoZ jo auego :glom jo aims *OZ •gi uoipas zapun uoiiezaiaooe jo aseo o p rn Sidde iou Ergs a1eisutaz 011 lii2iz snp `JanamoH •pazma0o peii uoiiezaiaaae ou a1 se anrp OJJO &iin3 algura1 hems Sgosagpaznaas suoiw qqo putluaurniisui ATunoas siq `JOMOJJOg SgTuaurairisurazuodri •zaisurzs spun3 aiuozpaig (p) Jo Jiiilua so ATi1eivaiunupsur `Soua r irsapa3 e Aq paznsm asr sTisodap asolim uognlilsur ug uodn umusp si Magma laps Niue poPmnozd 'ray monism so roip s,zaznsea11 `pow Augq `Magma pagrTJaa (a) `zapzo Sauour (q) `gsro (g) :sopua -i Sq palaaias sr `suuoj SuiMouo3 ail jo azom zo auo ur sasuadxa pue surnsmomairisuraz gans d zamoiiog Nip azmbaz Amur zapua-i pa2umipun anuquoo iirgs luaurnzlsui X imoas snp Sgpaznaas sums ail /ird oT uorpg2ggo s,Jamozzog pug `Tuaurnzisui Allman sigi Japun sTii&u pue Spzadozd a111 ur lsazaTu! s,zapuai Trip amssr op gimbal Sigtuoseaz hut sopual sr uoiiay "pus salei (p) par `.luaumhisui Ammon sigi Japan pug AiJadoJd ail xi! Isazaiu! s,Japua1 Supoalozd jo asodznd all Joj pazznoui sooj zoipo pug `saaj uoilrnign pug uoipoodsur ipadozd `saaj ,sAauzopg aigeuoseaz `oi paplruli iou inq `Vurpnpui `Tuomnzisui Amman sr p &upsoJua ur possnaur sasuadxa air spied (a) `.sluauraa.2e zo slueuanoo saw Sur 30 linejap Iiae saznO (q) :pozzn000 pgluoiTezaja001 ou 3r se aioN all pugivaurnzisui Awnoas slip Japan onp aq mom uoIp gatgM sums Tie sopuo-i &igd (g) :z0MOZZOg Trip ale suompuoo asou •luarunilsui Alunaas sire 2upzoJua 1uam2pnf r jo £qua (111) zo `.ape1suraJ of ig2iz s,I0MOZZ0g JO 110peuruu01 0111 Joi Sjpads 110111 mr-i aigeogddy sg pouad saw ipns (n) `.Tuaum1isui Amman snp ur paureiuoo airs jo zamod Niue of iurnsznd S1zadosd alp 3o airs azojaq &imp anJ (1) :3o isari.ea all 01 loud gain fur pe panupuoasip puaiunzisui Slrznaas snp jo ivauraazoJua onyx' 01 1112u ail aneq iir11s zamozzog `suorlipuoa ure1Jaa mom J0MOJJOg 3i •uolmaapaay gal- a;e;supg o; lq$pr vaMOaaog •6l •J0MOZZOg uo pueruap Jo aar1ou Jal1zry 1noglrm 1uaumJTsui ATlmaas sup Aq papllurzad sarpatuos Sur a)ionm Arta zapuo-i `pouad sigi 3o uopgaidxa 0111 o1 zoizd sums asap /imd OT si1g3 J0MO110g 3i •luaumJlsui AlunOas s!q1 Aq pampas sums air iced lsnur J0A■01J0 "pnim uniprm Si uorpaas glrmaauepsooae u1 uan1 s1 aar1ou Oil opep otp iuoz3 skrp OE umip ssai 1ou jo poriad a aprnozd lim aariou 011 •uoilgzaia0oe Jo aar10u 10M0110g 0Al2 Tarps Japua `uotldo 51111 SOSIOIOXO zapua 31 •Mri irsopa3 iigpaligigozd s1 asrazaxa ions 31 Japua-i Sq paspzaxa aq iou limp uo11do snp `zanaMOH •luamnzpsui Alrznaas snp paznoas sums air jo iin3 ur puawSrd aieipauruu azinbaz Sum Japuari `ivasuoa u011TM loud s,sopuo i 1nogllm(p0JJajsug11 Jo pion sr saMOJJOg ur 1sazalul imprjauaq a pug uoszadiezn1mu a iou sr JOMOJJOI 3t Jo)pazzaJsurzi JO Nos sr AlzadoJd alp ur150Ja1ui Sur Jo Ii110d0zd 0111 JO 11gd tine Jo ai 3i •zaseipind g o1 am) aznlii3 a 1g JOMOIJog 0111� JO z0JSU J1 al1 sr latgM 3o mom! alp `paaux00ae mo1JSO JO TWWJiuo3 sales 1uaagigisur `poop zoi lae11uo3 `poop zoi puoq m urpazzaisu1JT s1sa101ai ierar auaq aso111 `01 pa1!mii l0u inq Tulpnpur `Spzadozd alp ur 150101u! igpgauaq Jo ir2ai Sur sueaur „Spada'," alp u1 isazalui„ `gi uOr10as srg1 ur posn •aaMOaaog tit asaaalui imagauag a .10 4iodoad ail 3o aajsueJ •gJ •luaiunlpsui STunoas slip jo pue aioN alp jo Sdoo auo uanr2 aq iimis JOMOZZOg ldo3 yaMoaaog •Li •ao110e Sur a)ie1 01 uopaggo Niue pno111rM uorpaz0sip aiOS sanl2 „Meru„ p1OM alp pug `eszan aarn pug iemid alp apnpul pue ueatu iiels Jeinaars alp ur spzoM (z) `Japua2 aururutai alp 3o spzoM Jo spzoM smolt 2uipuodsossoo apnpul put mom hems sopuo8 auiinasem alp 3o spzoM (I) :luarunzisui Aplmaas slip ur pasn sy •uolslnozd 8ulloriiuoo alp inol1!M p0aJJa uan12 aq 11113 1O1gm aioN all 10 matunsisui ,iiunoas srgp 3o suoislno Nom (AMIV9- (2) s-L8ZOOZ -ib0 (00 /b0) OLLLAMdIAI id zalpo p3aiie iou imp 1311uoa gans `mg-" requires in connection with a notice of transfer of servicing. If the Note is sold and thereafterthe 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 transferredto 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 breachedany 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 EnvironmentalLaw 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 deemed 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 threatento release any HazardousSubstances, 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 EnvironmentalCondition or (3) which, due to the presence, use, or release of a HazardousSubstance, 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 EnvironmentalCondition, 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 HazardousSubstance 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 HazardousSubstance 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- 200287 -5 a)-6A(WY) i99o51 Page 12 of 15 Form 3051 3/99 236 66/E 690£ 1 J A 1!u, St ;o E l aged (9066) (AM)V9 5 (00/170) OLLLAMAI •2uuuoIim 3o smut uot;dutaxa pna;sautog mu 3o anplA Act puu zapun 942u Hn santem pun sasnataz zamozzog •saaAleAt •17Z marl atgeatiddv tapun pa ;iuuad st aa3 gip 3o Sutlzega ag; puepazapuaz saainzas zo3 Mind pup a o; pied st aaj at') 3i /quo anq `;uautnilsui *moos suj Suiseaiaz zo3 aaj a zamozzog azeita Arm zapua'1 •s ;soa uoiiupioaaz Niue And Hugs zamozzog ;uautnz;sui A;iznaaS sup aseaiaz ins zapuari')uatuni1sut IItznaaS sign &gpaznaas sums Hn Jo;uatuAnduodn •asuapg £Z 11 o; pal nua £11g2a1 suosaad Jo uosaad ag; o; ssaaxa tun (a) puu ;uautnJ ;suj S;lJnaas s1q; Aq paanaas stuns lln 0; (q) :saaj ,stauao ;p algnuosnaJ 'o; palm; ;on ;nq tulpnpul 'ales aq; 3o sasuadxa Ilu o; (e) Lupo Suluollo3 aq; u1 pallddn aq Rugs ales aq; 3o spaaaoad au j .ales ,fut ;0 4JadoJd aq; asegaand tutu aauStsap s ;1 Jo aapuarl •Atari algeallddy paglJasaad aauuum aq; ul Nos aq hugs 4aadoJd aq; pun 'ales jo aapou aq; gstlgnd ;lugs Japua7 •Sj uopaas u1 paPTAoad Jauuutu aq; u1 Jamoaaog o; ales aq; jo aapou aAl2 Hugs Japuarj •Atari alquallddv q;1At aauopaoaan u1 ;uaaa33;P 31 '4iadoid aq; 3o uolssassod ul uosaad aq; o; pug JOMOaaog o; asopaao3 0; wilt! Jo aapou aAI2 Hugs aapuarl 'alas 3o aaetod aq; saloAU1 Japuarl J •aauaPlAa aim 3o s ;soa pug saa3 ,s fauJo ;e algouosoaa 'o; palm; ;ou ;nq tulpnpul 'ZZ not ;aas s1q; ul papltoad salpatuaJ aq; 2umsand ul paaanaul sasuadxa llu ;aalloa o; papl;ua aq Iings aapuarl •Ater1 algeallddv ,fq pamtuaad salpautaa Jaq ;o Suu puu ales jo JaAtod aq; a4oAU1 Au u pug puuuuap aaq ;an3 ;nog ;1 t ;uauuna ;suj ,f ;lamas slq; ,fq pumas sums ;En 3 1;n3 ul ;uatu&ed a ;nlpatutul aalnbaJ tutu uol ;do s ;1 ;e Japuari 'aal ;ou aq; ul pappads amp aq; aaojaq Jo uo paana ;ou s1 ;lnu3ap aq; 31 *ales pun uopeaa1aaan o; aaAtoaaog 3o asuajap aaq ;o ,fug ao ;Inopap 0 3o aauanlxa -uou aq; ;Jassy o; uol;a0;anoa a 2uuaq o 11121J aq; pug uoneJalaaan as ;3n a;u;sulaa o ;g21a aq; 3o JaAtoaaog 81.1030! aaq;an3 hops aapou aqy •Saadoad aq; 3o ales pug ;uatunJ;su1 S lamas sun Aq pumas stuns aq; 3o u0110a3ta330 u1;Insai tutu aal;ou aq; ut pappads amp aq; aJojaq Jo uo ;lnu3ap aq; aJna o; Jan; ;n3 ;gq; (p) pun :paana aq ;sum ;lnu3ap aq; galgtt ,fq 'JaMOJJOg 0; uaniil sl aapou aq; amp aq; tuoa3 &fup 0£ until ssal ;Ott 'app a (a) ;lnu3ap aq; aim o; paalnbaJ U01130 aq; (q) :;Inujap aq; (o) :,f31aads llegs aal ;ou aq,L •(aslt.iaq ;o sap!AOJd AtO'T alquallddvssatun gj uol ;aas aapun uof0Jataaa0 o; Jolad ;ou ;nq) ;uatuna ;sul 44anaaS s!q; UI ;uautaaJ 0 JO ;uuuanoa Sub 3O gaOaaq s,Jamoaaog 2u1Atollo3 uop0aataaa8 0; Jo1Jd Jamoaaog o; aapou ant$ ;lugs Japuarl •salpauta21 :uo!BJalaaav •ZZ :smofo3 50 00J20 pug ;uuuanoa zagaznjzapuarl pun zamozz0H •SJNVtgamo mOdma-NON 0 (61)0 9 238 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: MFWY7770 (04/00) 041 200287 -5 6A(WY) (9905/ Page 14 of 15 (Seal) GAR F Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3051 3/99 STATE OF WYOMING, The foregoing instrument was acknowledged before me this did r0 6 aye /a?, 2 0 0 0 by GARY WAGGONER, A SINGLE MAN My Commission Expires: 9 4 •2' MFWY7770 (04/00) 041- 200287 -5 6A(WY) (9905) Notary Public County ss: PENNY 1f NES- NOTARY PUBLIC County of f`i, State of Lincoln t' Wyoming 1 Commission Expires Se tember 18, 2033 X39 Initials: Page 15 of 15 Form 3051 3/99